| On Dec 21, 2012 the world as we know it is going to | | | | The important thing is to pace yourself, if you do too |
| come to an end.* | | | | much at once you will raise red flags and again your |
| Whether it will be total Armageddon or a major social | | | | creditors will cut you off. Eventually however even |
| upheaval or if it will be perpetrated by an inescapable | | | | your minimum payments are going to become |
| natural event or will be the result of our own doing, no | | | | burdensome. At this point you can simply stop paying, |
| one knows. | | | | very soon after your creditors will cut you off but if |
| Regardless of the details the prospect of the end of | | | | you were a savvy credit user you should have been |
| days begs one important question. | | | | able to take advantage of around 80% of your credit. |
| How will this affect my credit? | | | | For the average American this can be upwards of |
| A human extinction scenario opens exciting financial | | | | $40,000. |
| possibilities for the average American to maximize | | | | But what if the end does not come? |
| their capital resources. Best of all you don't need any | | | | There is always the potential that this, like in the past, is |
| business skills; everything you need is already in your | | | | a false alarm and life will carry on as usual. Not to |
| wallet and waiting for you in your mailbox. | | | | worry, even if the end does not come your credit |
| Most Americans have dreams that they believe they | | | | resets itself every seven years, so depending on |
| will never be able to achieve because of financial | | | | when you reached critical mass you simple have to |
| limitations. They already have debt they are frantically | | | | wait a couple of years and start over. |
| trying to pay off and many fear everyday for their | | | | But it is unlikely that this will happen, 1999 and 2001 |
| financial futures. But if you consider that 2012 is merely | | | | were both false alarms so the third times a charm as |
| half a decade away you really do not have a financial | | | | they say. The real question is how foolish will you feel |
| future anymore. | | | | if the conclusion to mankind is near and the only thing |
| So how can you live your dreams before the end? | | | | you accomplished in your final days was maintaining |
| The amount of available credit you have is commonly | | | | your 720 credit score?** |
| referred to as "potential debt" and is considered to be | | | | *According to some interpretations of the |
| a bad thing. However with the impending extermination | | | | Mesoamerican Long Count calendar used by the |
| of mankind it now becomes "potential wealth" and is | | | | Maya civilization of pre-Columbian Mesoamerica the |
| your key to living your dreams. | | | | Mayan system is believed to predict the beginning and |
| The first step is to take all of those credit cards you | | | | or end of a major cycle in history, the "end of the |
| have hidden away out again and start spending. Also | | | | world," or the "dawning of a new age" on or around |
| stop tossing all those credit card offers in the trash | | | | the period of time surrounding December 21, 2012. The |
| and take them up on their generosity regardless of | | | | significance of this period-ending to the pre-Columbian |
| interest rates. Every new card is more potential | | | | Maya themselves is unclear however, it is conjectured |
| wealth. | | | | that this may represent in the Maya belief system a |
| The next step is to reduce the amount you are paying | | | | transition from the current Creation world into the next. |
| back to the minimum payments. This alone can put | | | | **This article is written as a work of fiction. Sylk |
| hundreds of dollars back in your pocket. But don't get | | | | Magazine has neither conformed or disproved the end |
| overzealous and stop paying altogether. If you do not | | | | times and is not responsible for damages, financial or |
| make at least the minimum payments you are in | | | | otherwise, incurred from following the advice in this |
| violation of your credit agreements and your creditors | | | | article. Some actions described above could constitute |
| can cut you off. You don't want that yet. | | | | credit fraud, Sylk Magazine does not advocate credit |
| Finally take advantage of those courtesy checks that | | | | card fraud or any other illegal financial activities and |
| are attached to your monthly statements as well as | | | | warns that following the information set forth in this |
| cash advances. Not only are they great for situations | | | | article could cause irreparable damage to your credit |
| that you cannot use credit cards you can use them to | | | | and is not recommended. |
| pay one card with another keeping even more cash in | | | | On the other hand... What if the world was ending? |
| your pocket. | | | | |