Consumer spending hasn’t begun a huge upswing and return to glory, and there are less personal loans available from major banks, but the consumer spending levels have been holding steady.  Granted, they’ve been holding low, but holding instead of falling, and stocks have been beginning to rebound.  Late payments are a slippery slope.  Once you’ve made a few late payments then it’s hard to recover.  The number of payments not received on time has been growing since the recession began. More people are not making their payments on time for their credit cards and personal loans.  It is never a good idea to let any debts slip into delinquency. It can be costly and a long process to get everything backs on track.  You can end up with a lien against you or wages garnished, so it can be worth looking into consolidation or payday loans to make payments on time if necessary. You really want to avoid late payments.

The quote by Peter Drucker is very true.  If you look any nearly any successful large corporation, the only “supermen” involved with are the founders and executives.  The way these corporations last generations is by extraordinary people creating ordinary systems and processes.  If you look at any “middle manager” of a large corporation, you will either find a complacent, underachieving intelligent person or a highly motivated, hard working average person.  Most large, established companies don’t want “gifted” individuals because they ask questions and try unproven things.  It is financially more sound to have average “cogs” in your machine that just do what they are supposed to do.
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