Doesn't it seem like foreign exchange the only impressive numbers we've seen this summer are the digits on the thermostat and the unaffordable prices of homes? Real estate has been excruciatingly hot for the past few years, but getting in the market now puts you in the high-risk category for a heat stroke if the market decides to cool off this year.

For example, lets say the John has 5 different credit cards that total $45,500 and a home mortgage for $224,00. Without going into each and every interest rate, here are some possible options.

Find a specialist. You should start at the bank where you do your personal banking, but there's a good chance you won't get what you need there. Local banks are often unable to fund franchise projects. Your chances will be much better with independent lenders like GE Capital Franchise Finance that specialize in franchise lending.

There's many different ways hackers can crack and account. Sometimes you're lured to a website that appears to be part of Facebook. Other times the crooks crack the password to another one of your accounts and then try it out on Facebook, hoping you use the same one. So be careful where you surf, use different passwords on different accounts, especially you use online banking. And most of all, if a friend appears to tug at your heart strings with a sob story, asking for money, watch out!

One of the best cards for your everyday use and made even better if you drive a lot, is called Driver's Edge from Citibank. It offers 3 percent cash back on gas, supermarket and drugstore purchases and 1 percent for everything else. A unique addition to this card ties into the cards name: Driver's Edge. This card actually gives you a penny for every mile you drive. Anytime you have service work done, like an oil change, send a copy of the receipt with the odometer reading to Citibank and they credit your account for the miles. A penny may not seem like a lot, but when you drive 25,000 miles a year, that equals an extra 250 bucks in addition to the 3 percent you're getting back on all that gas. In a few years that'll pay for your new tires and a brake job.

Instead of eating lunch at your desk, consider using the time to improve your health or save time. By choosing one of these ideas each day, you can add free time to your schedule later.