Editors note: Funny but yet informative video about debt reduction companies. It may seem strange at first but the cartoon man definitely makes you understand where he is going with it and you will know more about debt reduction after watching it.
Cheeseburger and fries, hold the politicians. With Republican presidential hopefuls blitzing New Hampshire ahead of its critical January 10 primary, one small eatery in coastal Portsmouth has had it with gladhanding campaigners disrupting diners. So the hand-drawn, red-white-and-blue sign on the door… Continue reading
Credit Card Debt Decreases, But Cards Still Used Widely (via Credit.com)
Consumers throughout the nation appear to be bettering their payment habits for credit cards, and in turn, improving their credit scores, as a report by Demos indicates average credit card debt dropped in the first few months of 2012 compared to the last report conducted in 2008. According to the…
Consumers Paying Credit Card Debt Instead of Mortgages (via Credit.com)
The latest Credit Risk Index from the credit monitoring bureau TransUnion recently found that consumer credit risk rose at the end of last year for the first time since 2009, and a major driving factor in that uptick was delinquency on mortgage payments, according to a report from Your Money Matters…
If you live a stressful life, you’re not alone. Many people have a lot of uncontrolled stress in their lives that affects their health and productivity. If this sounds like your life, read on to learn some easy tips to manage your stress and improve your overall well being.
Sometimes stressful situations are just not avoidable. If you find yourself with a stressful situation that you just can’t get out of, try accepting it. Some things are out of your power and cannot be changed. Accepting this can help your experience become a less stressful one.
To more effectively manage stress, learn to let go of things you have no control over. Try to discern which things you do have control over and separate them, mentally, from those you don’t have control over. By separating the issues, you will find it easier to worry less about things.
A major contributer to stress is lack of sleep and people suffering from sleep apnea often times become much more stressed out. Some of the best sleep apnea treatment options around can be found with a good nashau sleep apnea doctor. Make sure not to fall victim to this terrible condition and find the help you need now.
Another option for treating sleep apnea is to find a dentist, if you live in California there is one of the best encinitas dentist around that can help to fix you up with a good oral appliance that will cure your sleep apnea problems. You should visit one of these doctors today. Do not wait the negative affects of sleep apnea are pretty severe.
A great tip that can help you keep your stress levels down is to try and be humble. Having a big ego can come with a heavy price. More often than not, we find that we can’t live up to our own expectations if they’re set too high.
If you want to reduce the amount of tension in your life, go to your favorite store and buy a pair of shoes that you’ve always wanted. When you purchase something new and fresh, it makes you feel more comfortable with your appearance, which will give you more confidence and reduce your anxiety.
A great tip that can help you keep stress down is to turn off the television. Studies have shown that watching television actually increases our stress levels. You don’t have to stop watching it completely but you should definitely limit how much television you’re going to watch everyday.
As you can see, managing stress isn’t so hard. Make sure to follow these tips whenever you feel stressed out and need a break. Remember that not managing your stress can lead to health problems and an inability to work well. Start managing your stress today, you deserve it!
Every day you purchase a newspaper or watch your local news it’s tough to miss the rising trend of men and women joining the different occupy rallies throughout the nation. Almost all of these started with the anti-Wall Street movement that started in New York. Several of the men and women involved in these rallies are tired of the financial institutions taking massive profits but however offer no debt relief programs to men and women who’re struggling in our faltering economy. . According to TransUnion, one of the biggest credit reporting companies around, credit card delinquencies are on the rise. They’ve been progressively rising since the onset of this financial recession.
Even the government’s attempts to help people make sounder economic choices have all but failed. Based on a study, rules that express what details must be included on a credit card statement have had little effect on our economy. What has indicated is that realizing you’re going to spend a lot more over time by just making the minimal payment as opposed to paying much more every month doesn’t help the reality that a lot of people are struggling to remain current in the first place.
What we do not want to see is what is transpiring abroad like people rioting as a result of a lack of debt relief services and whole governments falling apart due to the financial strain. Even our own United States Government is drowning in debts with little end in sight.
Recently lawmakers suggested that the only approach to cut as much as three trillion dollars from their budget is to impose one trillion in taxes throughout the subsequent decade. This doesn’t bode well for people who’re already having difficulties putting food on the table and satisfying their monthly expenses.
What many individuals don’t know is that although the banks make it extremely tough to obtain any sort of credit card debt relief, there are nevertheless several debt consolidation programs out there that will help men and women that are falling behind or really feel that they’re going to fall behind. The key is to find a reputable business that will not only try to sell you on a product but to actually take the time to review with you all the options that are offered. With all the options offered it is unfeasible to assume what choice will best suit your circumstance.
Be conscious that there’s usually going to be firms out there that prey on men and women in distress. Several firms claim to be “Christian Credit Consultants” like a man in Arizona who has been charged with fraud. Or firms that use the name of Law Firms to make you think that they are legally representing you and that they are able to do a better job than other businesses. Many of these lawyers are being sued by class actions law suits and State Attorneys because these promises are just not correct.
A brief time ago the Federal trade commission provided regulations which express how a credit card debt relief organization can function. Amongst these restrictions is a banning of firms from charging advance fees for their services. Not a short time after businesses discovered loop holes to attempt to get around these restrictions. One loop hole is the charging of “Legal Fees”. It is their belief that the Federal trade commission guidelines do not apply to attorney’s fees being charged by law firms who partner with debt consolidation programs and charge initial fees that could be extremely considerable and boost the total price of getting out of debt.
As per the acting director of the division of financial practices act in the Federal trade commission, the guidelines do not include any specific exemption for law firms or lawyers and that the Federal trade commission will have to examine these organizations that partner with law firms so see if they are in compliance with the restrictions.
I’d suggest that you talk to a debt analyst who will look at all your alternatives and give you much more facts on the different credit card debt relief alternatives and which ones are valid and which ones to steer clear of. One thing I can say is I would only go with a company that will not charge their fees till they have done the job they promised to do.