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Monday, May 14. 2007
 Debt consolidation used to sound as sweet as chocolate truffles with cherry icing on top. Yummy, especially in times when you are starving on your budget! I was once an idiot to even believe ads that say, "Debt relief equals lowest interest rates!" But can you blame me if I've fallen hard for these provocative promises? Come on, it's even better than a marriage proposal. For a desperate fool who can't seem to make ends meet, debt consolidation may seem like the last resort.
Some advertisement bluffs are too good to be true, yet, why do thousands of people sign themselves up as victims everyday? That's because when you're in dire need of help, you no longer search for logic and reason. We then turn to fantasy, wishing that one day, we no longer have to worry about financial stress and difficulties. Debt consolidation companies feed on this ignorance!
In some easy loan programs, the process of getting debt consolidation loans is made easy that you'll be tempted to immediately apply for one. This is good news for you and better news for the credit company. But then, knowing that you are at risk with your credit profile, the company will charge you bigger interest rates. Even with low monthly bills, you turn up paying much more in longer terms. "Hard-Money" loan is a risky debt consolidation move. You'll only bury yourself six feet under debt.
Saturday, May 12. 2007
Man is always faced with the most notorious dilemma in his life. Oftentimes, he chooses not to deal with any of it. He hides behind the cover while he hopes to escape the blatant reality. Only now, he further compromises resolving the actual problem. Not armed with courage nor the wit to search for the truth, he is easily daunted with fear. In any case, that's a sure way to lose any battle in life. We need to break free and stand up for our rights.
Friday, May 11. 2007
 When we speak of debt trouble, we always fancy ourselves in court faced with endless litigations, trapped behind the steel bars, and forever chained from freedom. Though it need not go that far if only we try to be more aggressive and assertive of our alternatives. It is true that we may be sentenced to jail but chances are relatively small. It may come as a threat but it'll be the last option for creditors who rather wish to negotiate than to have the sheriffs sequester property.
Thursday, May 10. 2007
We are always pushed to do the the wrong decisions because we always think of the easy way out. If we can only be more patient and attentive to the demands of our problem, then we can say that bankruptcy is not the best choice there is. There are lots of alternatives like debt programs and negotiations; though they may sound cruel and awful, in the end, they give us the benefit of real financial freedom. Don't be intimidated by debt collection companies -- they're exaggerating our cases into other tales.
Wednesday, May 9. 2007
When America hears of frugality, one thing's set on its mind-- a picture of a barren land! We never economize or compromise. We are a strong country who can overcome any nation, even at war. What's the use of civilization and democracy if we won't get the things we want? Of course, this preposterous idea of arrogance has become a total wreck of our decent philosophy. We are reared in this materialistic society to live in excess and sometimes, we value life in the number of Gs we earn every year! There's nothing wrong in having a good life of luxury, comfort, and ease but a healthy life gives you peace and satisfaction even without the things we wish to have.
Tuesday, May 8. 2007
What's the buzz in keeping our money belt uptight? We can spend and spend; credit companies will cover up for our greed. Dream now and pay later! This modern notion of living has pushed many American households to bankruptcy and debt case scenarios. Most people are not gifted with the decency to organize and manage finances successfully. Our culture makes us believe that we're nothing without a car, a flat screen TV, or an Xbox 360. Frugal living will put a stop to our mindless souls. Media and advertising industry have already earned billions from our vanity, so now, it's time to think of our kids and a well-balanced life. The barren land which you associate with frugality may just be a paradise to sanity.
Monday, May 7. 2007
There are lots of tips in saving money and in being debt-free in no time, but the most clever and economical way is to have a frugal mind setting. Never lose your common sense. You don't even have to beat Einstein in making decisions and witty solutions. Try to experiment with your hands. It'll be fun to improvise once in a while. You get to save some penny and develop an emergency fund for falling teeth or some basic needs. Also remember that you never have to pay too much for style. If you wear it with taste and confidence, you become stylish whenever you wear your clothes to exude your own personality. Even kids should learn the value of hard-earned money; that way, we'll have a new generation of frugal living in our materialistic society.
Sunday, May 6. 2007
 When we flunk a test, we automatically dawdle in despair. But how much more when it is a bad credit report? Tests can ruin our chances for college, but a credit file tells us if we are eligible for a loan or for the great American dream. No matter how much you try to protect your file, you may falter as a credit sinner. You slip into overspending or sometimes, you just don’'t know how to make ends meet. My friend, you’'re not the only one! A growing number of besieging credit concerns invade every American household family. There are no security in numbers, but for sure, you can solve this famous ordeal.
Saturday, May 5. 2007
Even if you don't have an impressive credit report, it doesn't mean that you'll never be granted a loan. Lending companies look at your credit resume in varying emphasis and angles of scrutiny. Others look for your more recent payment history and if you've shown improvements in your financial schemes, then they may consider you eligible. But it is always wise to ask about the verifying standards of your creditors. Time to impose discipline and work out on a budget or repayment scheme. Once you've settled this problem, you're on your way to financial recovery and reviving credit profile.
Friday, May 4. 2007
Women are always reminded to fumble around their chest and look for symptoms of breast cancer. This is a good way to reexamine your health personally. And while it helps, personal review on your credit profile may also lessen the risk of a malnourished financial health for several reasons. Every detail or piece of credit information will assess exactly your qualification for a loan or insurance. Just make sure that data is accurate, up-to-date, and complete before you lodge an application. Guard against identity theft, for you won't like the idea of some stranger tampering with your file and stealing financial opportunities away from you.
Thursday, May 3. 2007
 Let's be sympathetic for a while. Not all people who are in debt trouble are materialistic freaks and dumb ass jerks. Some of them suffered from a loss of a family member which often compels them to take the raps of a bereaved financial responsibility. While others are just mired in poverty that they need to borrow for the basic needs of their family. But most of the time, it has to do with a sudden turn of fate. Those who lose their jobs and their wives in divorce struggle to make ends meet just so they can provide for a more or less ordinary life.
Wednesday, May 2. 2007
I remember this famous song that says "don't bite more than you can chew." Unfortunately, we always end up spending more than we intend to. Why not, when credits are charming, seductive, and easy? Though when it comes to paying, it can be ugly, hard, and painful. Nobody sees the real thing coming, which pops out in surprises only to mess with our heads and our lives later on. While there are sensible reasons for borrowing, there are also tricky types of loans and rates that turn into an actual bane of American living.
Tuesday, May 1. 2007
Be tough, Be clever, Be patient, and Be sensitive. Don't get carried away with your spending urges. Control it by working on a monthly budget. Be tough! You don't always have to give more than you can. Compromise and take advantage of the lowest APR in credit deals. Be clever! Enjoy couture on a slash off price tag if you can wait for sale. That way you can wear a cheaper Ralph Lauren. Be patient! Flashy ads and insidious offers are feeding on our greed. Before you enter into a deal, think carefully and be attentive to your primary needs. Be sensitive! These 4 BE's are your shield against the evil temptation of borrowing.
Monday, April 30. 2007
Credit repair? The quack doctor is on its way! Don't you worry, he's a media celebrity with daily stints on newspapers, radio, TV, and sometimes even appearing on personalized mails. He promises to ease credit problems off your mind, but he's not Oprah or Dr Phil, he's a glaring scam that comes with a promise of fixing your credit tousle. Beware, the ads are charming and deadly like Casanova, but it will only rip your heart into sorrow soon as it leaves you with the same misery with lesser financial capability.
Sunday, April 29. 2007
Annalyn is sexy, smart, and breathtaking in a red, tight-fitting dress. But behind this sexy woman's flare of confidence lurks a dumb, old, silly girl who got duped by a flashy ad. She received a phone call from a marketing agent who said that credit problem is not a problem. Their firm can nix off bad credit from her information sheet and with a new credit identity, they can erase bankruptcy and bad loans on her file forever. Annalyn calls it tricky advertising, but I diagnoses it as a serious case of mental deficiency. Haven't she heard of the cliche, too good to be true? She paid the firm hundreds of dollars so they can clean up her own trashy file. Poor Annalyn, she's left with nothing, no car loan or insurance and the firm simply went away hundred dollars richer with her own money. So next time, don't ask for somebody else's help. Live with your own dilemma.
Saturday, April 28. 2007
 When you're chewing gum and you blow it into a balloon, remember to suck it out before it gets too big and explodes right to your face. It only takes a while to fix a gum face but year's worth of earning before you can recover from a financial scam. Don't let deceit cheat your hard work's worth of money and heed the warnings. Look for symptoms so you can prevent the pervading financial malady of the evil virus of deceit. What are the warning signs? First, they'll ask you to file a new credit identity for a new credit portfolio. Instead of using your Social Security Number, they'll ask you to tamper with an Employer Number. Yes, their devil's advocates. And even if you're the real victim here, once caught with fraud, you won't go unpunished by the law. So before these so-called "credit repair firms" bleed you white, self-help may be a better idea after all.
Friday, April 27. 2007
The condom is a synthetic material that serves as protection. But it's not the case with credit cards. They invade your financial privacy and sanity. Hence, it makes you want to spend more and more. When you swipe, you don't see money coming off your pockets or wallets and you feel more or less relieved, but the truth is, you're paying extra for those services and credit card interests. What's wrong if you purchase in cash? It may be inconvenient at times, but your little inconvenience can save you some spare for Christmas, for the home basics, and even for emergencies. Cash versus credit card? Who's side will you wage your bets on?
Thursday, April 26. 2007
They say that success is 10% inspiration and 90% perspiration, but when it comes to your own financial schemes, 80% is attitude and 20% gratitude. The larger piece of your spending habit pie is accounted to your attitude. If all you can think about is ease and extravagance, then in no time you'll live with an empty pocket while your credit card relishes on those extra charges to further put you down in debt. You definitely don't get filthy rich using a credit card, but you can always save with a few bundles with cash. Whether you use cash or credit cards whenever you spend, you should always be thankful to have the benefit of your own purchasing power. There are two ways to express gratitude. One is to splurge and pamper yourself after a hard work. The other way is to save, after all, money is worth of your daily sacrifices in sweat and blood. You want to thank the opportunity and plan a bright future ahead of you.
Wednesday, April 25. 2007
I don't see any perks in using credit cards other than convenience. But instead of using these monster cards, I choose to use debit cards whenever I travel. This is a friendlier kind of plastic, with lesser hassle and lesser charges. They say that "necessity is the mother of all inventions", so what may be the positive side of using a credit card? None. Only to make a billion dollar profit out of us all. We have so-called "credit card perks" but do they really work? For a $3,000 rebate on a car, you will have to spend $60,000 before you avail of it from your 5% credit card use. They only push you more into spending for a dollar's worth of a candy. Debt is a major problem in America, so please, don't you join the over congested plastic herd!
Tuesday, April 24. 2007
Are you tied down to debt? Is it pushing you down your grave? Funny how a lot of people share a common sympathy. It's a modern American tale of every Jane and John Does suffering the seemingly endless battle. I can slip into your shoes and be emphatic for a while. For many of us, these are the awful truths we have to face. But even if situations are uncontrollable, don't you be too naive. There are lots of promises, but don't you fall on those traps. For starters, you have to distinguish the options you have. Debt negotiation is different from debt management programs and credit counseling, and it's fatal to get confused.
Monday, April 23. 2007
 The world is too greedy and devastatingly selfish that when I hear people say non-profit, I laugh out in disbelief. Sorry for my cynicism but obviously, it's too good to be true. Just as a political candidate promises everything only if we elect him to office, same with other treacherous schemes. Here's what debt negotiation firm has to claim. They are non-profit and they're an easy escape than bankruptcy. These firms will take care of your unsecured debts. They promise to give you a better deal that instead of paying the full debt, they can slash it off in half. Soon, they'll ask you to make payments to them and promises to do good with your account while they pay for your creditors. But the ultimate pitch is, it won't affect you in any way. No negative credit report or impact!
Sunday, April 22. 2007
When you hear the sweet promises of debt negotiation firms, it is downright sleazy. Non-profit? It doesn't mean legitimate. Learn your vocabulary and see the real difference. Not all creditors are friendly. They can be vicious and utterly mean. There's no assurance that they'll allow you to settle your accounts in partial payments as promised by the debt negotiation firm. Don't you dare cut off your credit paying schemes, or interests will add up to your actual debt. You won't be able to survive it with an intact credit reputation. It will reflect on your credit report and there's no way a debt negotiation deal can strike off its marks. Before you jump into a debt negotiation panel, check first if it will really pull you out of the bait.
Saturday, April 21. 2007
"We are living the American dream, what else could we ask for?", Leslie blurted out. For a time I've been sour graping with all the messy financial schemes I have to deal with. I have to pay for the car and house loans. I even have to save for my kids' college education. Sometimes, I just wish that I'm not wearing the pants in the family, then maybe life could all be sweet and beautiful. But Leslie's right. We get all the cash we need. What else do we expect? We have to take the rap of a lavish lifestyle. We are the source of our own problems. We exhaust our budget without thinking of the future. The so-called budget blunders were the primary reason why we have to suffer from its toll.
Friday, April 20. 2007
 Our common stupid mistake is to just dream of the future. We don't see the imminent dangers of today. Remember that the world revolves in change. Any minute now, you may lose a job or suffer from a disease of ailment. And if we're not ready for any of these scenarios, we may find ourselves in deep sorrow and catastrophe. It's better to expect the worst so you'll always be ready to face life. Every month, you may save even the tiniest bit off your salary. It may be a meager start, but with a religious budget practice, you may be surprised that your penny may accumulate in a grand. Do not splurge and always be practical in spending. You should always have an emergency fund in hand, ready to weather any storms in life.
Monday, April 16. 2007
The world has always taken advantage of the oppressed, those schmucks who are in dire need for help. Because when it comes to money and power, we become oblivious to even care and share. Just when you thought an angel from heavens came for your rescue, it's the devil ready to take you down into eternal debt damnation. They promise to take the heap off your shoulder only to push you into that mischievous hole. Disguised in professional suits, they claim to be financial gurus. Protect yourself from these credit counselors. They are con artists of modern America, and I can't wait to see them handcuffed in an episode of COPS. I call this the 7 deadly sins of credit counseling organizations, and I hope they go straight to hell for all of these.
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Debt Consolidation Loan Reduction Comments
Sun, 22.10.2006 13:14
It offers lower rates but longer period of payment. But if you're desperate. it maybe a better choice.
Sun, 22.10.2006 13:14
I was once a victim of an e-mail offer from a debt consolidation company. They say they'll cut it up to 50% but I ended [...]
Fri, 20.10.2006 07:43
Even the financial risks and perils of having a phone is no match to possible electronic crimes. If you're heard of [...]
Thu, 19.10.2006 17:22
The best person to help you is yourself, at least you're assured that there'll be no hidden agenda.
Thu, 19.10.2006 17:22
The bravest way to face any trouble is to search for truth. We don't to panic. Panic won't do you any good.
Wed, 18.10.2006 16:15
When you ride a two-wheel drive, of course, you must assume its risk and dangers. Even if you're a good, damn rider, [...]
Sun, 08.10.2006 17:33
Do you know how many cars are repossessed every year for failing to pay debt and loan? I can only assume that lots of [...]
Sun, 08.10.2006 14:46
The scheme of Phantom Help is so plain and easy but it can put you in a tousle of horror and shame like Dianne and [...]
Sat, 07.10.2006 12:52
You cannot cheat on your credit file. Sonner or later they'll find out.
Sat, 07.10.2006 12:51
Those ads are surely deceiving. They even represent companies that's been expert on financial schemes for long.
Fri, 06.10.2006 12:39
Deceit is glaring right before our very eyes. And this is an utter humiliation for the gullible victims of the Bait and [...]
Wed, 04.10.2006 13:42
When I say protection, please don't scamper to the nearest store to buy a pack of condoms. Yes, it's nice to protect [...]
Sat, 30.09.2006 13:37
The good news about 40-year Fixed Mortgage Plans is that it takes the heap off your monthly bill. Without the risk of [...]
Fri, 29.09.2006 07:18
This is a good alternative for Mrs Rogers because her only problem is the PMI. She is capable of providing for future [...]
Wed, 27.09.2006 13:32
When you dig up dirt in motocross, we only see the thrill and adventure of speed in rough and bumpy terrains. It's [...]