The Psychology of Debt Have you had the opportunity to deal with a person in debt? Are they in denial about their financial situation? In my opinion, people in debt are in denial to everyone around them about their financial situation. In their denial, they actually develop a personality. According to Webster's Dictionary, the word personality means quality or condition of a person. Debt means something owned. From my perspective,...more
CARD ACT Debt Solutions The provisions in the Credit Card Accountability Responsibility and Disclosure (CARD) Act of 2009 should save consumers at least $10 billion a year, sources say. With the good though usually comes the bad. Watch these new rules and how they will affect you specifically. Learn the if-then scenarios that will keep big banks busting from the seams with your interest payments. Remember, big banks are looking out for...more
Debt Settlement Companies: Throwing Good Money After Bad Debt settlement, debt consolidation and debt negotiation companies have proliferated into a ubiquitous fixture in radio advertisements, television commercials, and billboard ads. These companies offer to eliminate consumers' debts by negotiating settlements for less than the full balance owing or for structured payments over time. Consumers are often attracted to these offers out of a desire to avoid bankruptcy. However, the problem is that these companies often take the last bit of a consumer's money before the consumer is forced to file bankruptcy anyway. By then, their credit has been damaged worse than the bankruptcy alone would have caused.Click to speak to a bankruptcy attorney in Portland Oregon.Typically, a debt consolidation company instructs a consumer to stop paying their bills, and instead to pay the money into an account controlled by the company. This throws the consumer's accounts into default status and starts the process of collection and charge off. This results in delinquencies appearing on the person's credit reports, and causes collection efforts, such as collection calls and...more
There are several kinds of investment bonds to purchase on how to build wealth. Each investment bond is unique, with their different features and aspects. If you want to increase your wealth by investing in bonds, here are the most common investment bonds available in the market: - Corporate bonds Corporate bonds are issued by huge corporations,...more
Nappies are an essential purchase Nappies – Save Money & Buy Online!Nappies are an essential purchase if you have a new born baby or young child, and the amount of money you spend on them can end up being in the thousands if you have more than one child – that's right – thousands of pounds on nappies! This is why it's...more
How to use the personal finance more is less rule Personal finance is fond of rules. It's a lot easier to coin a rule that sounds like it would work in most situations than it is to actually go through all the different financial products and explain how one would best use them depending on the situation.Not only is it difficult to write - and impossible to write exhaustively - it is also boring for the reader and that is simply inexcusable especially in the personal finance world where there is a distinct lack of the sex and drugs and rock and roll that would otherwise paper the cracks caused by bad writing.Having said all that, though, let me now propose a personal finance rule that might just actually work: it's called the more is less rule.The principle says that the more you compare credit cards the less you'll end up ultimately paying out to your credit card provider.What's more it says that the more you compare current accounts the less you'll end up going into your overdraft and shelling out hundreds of pounds for the privilege.Why does it work? For a number or reasons but, for fun, let's just pick three.First, looking more allows you to...more
Hexlight Review - Worth the Purchase? Hexlight Review - Worth the Purchase? The Hex Light product has to be one of more inventive flashlights ever created. It may actually give the mag light some competition in the way most notable...more
How To Purchase Beads For Making Bracelet You can find various beads to choose from when making a bracelet or perhaps a necklace. You want to ensure that your finished hand-crafted product is really worth your expenses, and naturally you would...more
Settle Debt And Be Financially Free Many years of easy credit and free spending have led consumers to a point where all they want to do is settle debt, and find some type of financial freedom. Credit card accounts were easy to obtain, and most...more
A Guide to Selecting a Hot Tub Company For Your Special Purchase A hot tub is always a great addition to any home or apartment. It makes bath and shower times so abundant a lot of relaxing, permitting you to lie down and unwind, and even place...more
Questions to Ask Your Jeweler before Making a Purchase "The difference between false memories and true ones is the same as for jewels: it is always the false ones that look themost real, the most brilliant."- Salvador Dali (1904-1989), famous...more
When it comes to mounting debts, early intervention makes for a better overall solution. For this reason, Ron Nevin, an attorney of the Law Office of Ron Nevin in Nashville, Tennessee, recommends you consult with an attorney as soon as you realize...more