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I was heading down the highway toward Detroit one recent morning when I noticed a bumper sticker on the car ahead of me. It read: "Will the last one out of Michigan please turn off the lights?" A short time later, I passed the vacant parking lot of what used to be one of the largest automobile plants in the area. The combination of that simple sentiment and the empty parking made me realize what dire financial straits our nation is in today. While it is certainly sad, we must still continue living our lives and find a way to persevere.

At the core of the troubles is the crisis involving home loans and that means that thousands of mortgage loan officers and real estate agents, who are in business for themselves, are essentially out of work. Let's look at what we can do to fix the problem!

To move forward, it's necessary to become innovative, and find new ways to be creative. What's the best way to use our sales and marketing skills to serve others in building their wealth? One idea is to work with the financial education industry. Little, however, is available to the average Joe or Jill, helping him or her to build wealth by first learning to manage debt.

To come up with a money-making enterprise using this opportunity, one has to be able to invent a method of generating hot leads. If promotion is not done properly, our fiscal entities will never recuperate, let alone prosper again. A good rule to live by is that only half of what's necessary lies in repairing the damage. The other half consists of getting it across effectively. It there isn't the right sort of promotional activity and communications activity, the average man and woman can't really learn what the problem has been and what was involved in both causing and curing it.

We also need to develop more useful network marketing leads. Our housing industry recovery is dependent upon effective marketing. It is often the case that repairing damage is only part of the recovery. The rest relies on good communication. If people do not understand the problem through great marketing and communication, they will not be able to move forward.

Fixing the crisis in our industry with new types of home loans won't solve the entirety of the problems surrounding our nation's economy, but it certainly will be a major step in helping us financial services sales people to fix our own economies while helping consumers with theirs, one at a time.

Anyone traveling around the Detroit area lately can see evidence of the terrible economy. It is very sad but we must find a way to move on and make things better. At the heart of the economic problems is the crisis in home loans. This is causing layoffs in the banking and real estate industries. These people need to find new sources of employment. The financial education industry is one place for them to find help. To create a business using their skills in marketing and sales, they need to develop more useful network marketing leads. Real estate brokers are essential to the recovery of the housing industry.