Never in the history has so much money been poured in the direction of banks, most of which don't need it. It is becoming clear that European banks will use it, not to boost the economy, but to manage their balance sheet.
The credit industry affects all facets of personal finance and being ahead of the curve when it comes to credit issues could certainly help you save money and thereby lower stress. At the very least, you might learn something new!
A year ago I published "10 Big Themes for 2011" -- related to how the digital revolution changes business and society. It's helpful to review what actually occurred. Below are my projections and some 20-20 hindsight editorializing.
The time has come for the eurozone -- Germany and France in particular, but also Austria, Finland and the Netherlands -- to decide how they would like European integration to evolve; and they need to do so quickly.