It's my goal to help you spoil the plans of those who want to make a living off your lack of current information or their desperation.

With housing policies changing so fast, it's growing harder for the average person to keep up. That's why it's important for you to find a source (like this one) that can help you keep up with the many changes in the housing market.

Here's 3 tips to help you survive a desperate housing market.

1. Beware of Too-Good-To-Be True Deals.

We've all heard this saying from birth. "If it's too good to be true ... it probably is." Right?

But despite the warnings the FTC (Federal Trade Commission) files overflow with victims of too-good -to-be true deals. With the growing housing and economic woes, experts predict those files to at least double in the next year.

Unfortunately the largest percentages of victims in those files are African Americans and the elderly. The two groups that can least afford to lose their limited money to con men and con-companies.

Con men and con-companies continue to target African Americans and the elderly with their too-good-to-be true deals. Why? Because of the desperate financial situations and lack of current information African Americans and the elderly experience as a group.

Government leaders race to create laws to prosecute and protect, but victims multiply faster than the government can find ways to protect them. Many con artist and shady companies continue to take advantage of this window of opportunity.