Many readers have mentioned to me that they feel that a lot of the projects they sponsor (even the successful ones) are often on "automatic pilot". This typically happens once the project teams feel that they understand the problem and have decided on what they believe to be the most appropriate direction for solving the key issues facing the project. The consequences from this can be severe. The most dangerous consequence is often that key...more
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Debt consolidation is a way to manage one's debt and is generally applicable to individuals who have balances against several creditors. One good example for the application of debt consolidation would be for someone paying off debt accrued through multiple credit cards. Consolidating debt, if done properly, makes it easier for someone to eliminate debt in the long run. How does debt consolidation work in helping eliminate debt? Taking the case of balances on multiple credit cards, consolidating debt would involve taking out another loan to pay off all the balances on all the cards. This loan will generally have to be a rather large amount and should be of a lower interest rate compared to the rates received on the credit cards. The individual who owed the money, after having paid off all the credit cards, will then only have to worry about paying off that one loan that was taken out as a way to consolidate the credit card debt. This option for eliminating debt can be very effective, however, its efficacy depends on a number of variables. To make sure that the process of consolidating debt provides the best possible benefits, the following things need to be...more
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A great way to reduce and speedily eliminate credit card debt is through debt settlement. A settlement is a way for individuals who are in debt to have a chunk of their outstanding balance eradicated. Going into negotiations with creditors is not an easy undertaking and getting out of the discussions sporting a large reduction in debt is not guaranteed, in fact, only a handful of creditors will admit to agreeing to settlements of up 50% reductions in debt. A debt settlement is a form of debt relief wherein an individual negotiates the reduction of the total balance with his creditors. The individual may do this by himself or he may have someone negotiate on his behalf, usually a professional employed by a debt settlement company. The success of a debt settlement depends on the individual's account status and the negotiating skills of the people involved. A good negotiator will be able to have the balance reduced by 60%, at most. This kind of result, as stated, is not guaranteed. There are instances wherein the creditor will not budge an inch and will only provide a maximum reduction of 10% of the original owed amount. Whatever the percentage of reduction is, a...more
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O filósofo e professor norte-americano John Dewey (1859-1952) tinha como posição que o aprendizado só ocorre quando há uma situação de “problema real” para ser resolvida. Seu seguidor, orientando em tese de doutoramento...more
It is natural to be excited when you hear about the fantastic benefits that debt settlement offers. The idea of repaying your entire debt by making payment of half the amount owed sounds too good to be true. However, companies offer...more
The changing leaves and crisp weather are beginning to indicate that more than just the changing seasons for most people; they also signify that the holidays are coming. However you celebrate the upcoming events there are some significant...more
How do you make use of stimulus money for credit card debt settlement? Many individuals fail to understand the question because they are not aware of the correlation between stimulus money and debt settlements. It is an established...more
Cold sores outbreaks can be very difficult to cure that is a well known fact most especially to those who suffer from it. Unfortunately, nearly all cold sore medications that are existing on the market today is only good in alleviating...more