Thursday, October 30, 2008
Wednesday, October 29, 2008
Have you ever been a victim of unplanned spending to chase unrealistic dreams? Are you fed up with calls from creditors to pay up bills or dues? If yes, you are probably frustrated thinking of paying up dues throughout your life. Well, it needn’t be so, if you are a bit thoughtful. Generally, you may have several dues, like credit card payments, medical bills, payday loans or personal loans, etc. to pay up every month. These can be consolidated to one low monthly payment that you can easily afford to pay.
A debt consolidator re-negotiates interest rates and payments with lenders on your behalf. Debt consolidation is a negotiation process with the creditors and, hence, usually no new loans are needed. Good debt consolidators will suggest that the debtor pays what he or she can realistically afford to pay per month. They usually have certified credit counselors standing by to answer your debt related questions on phone or you can furnish debt details online.
Some of the benefits of debt plans will include reduced interest rates, removing fees, lowering one's overall monthly payment, etc. They see that you are able to reduce your balances faster, making you debt free in 3 to 5 years. Once such a plan is active, collection calls will stop.
Debt consolidators emphasize on strong financial education for you on top priority. They will teach you how to handle your bills, use a family budget, create a way to save for your future, and most importantly make you debt free.
But make sure that you take the help of a non-profit debt consolidator you can trust, i.e., a 501(c)(3) Non-Profit Organization. Debt companies offer free counseling services even if you are not enrolled in any of their debt consolidation plans. Their phone lines work even late hours and on weekends to answer your debt relief questions for free. They will spend time as long as you need on the phone to collect your full financial picture and make free recommendations for you to start saving money and make you debt free, even if you have bad credit.
People all over the United States are having more and more difficult times paying off credit cards and other monthly bills. Credit card companies have now planned everything in such a way that they can go after debts for the rest of a person’s lifetime. So, it’s high time for you to get out of debt once and for all. Certified credit counselors will determine what is right for you by credit counseling, setting budgets, debt settlement, or debt consolidation. Each person has to have a different plan depending on a number of important factors.
Tuesday, October 28, 2008
Monday, October 27, 2008
Sunday, October 26, 2008
Saturday, October 25, 2008
Nicole Richie at the 2008 Breeders' Cup Winners Circle Gala , originally uploaded by candykirby.
Note from the original author, "Congrats, Nicole! You had a baby -- you win the breeders' cup. "
Sunday, October 12, 2008
Thursday, October 9, 2008
Sexy Hollywood actress Scarlett Johansson poses at the premiere of her Dreamworks movie "The Island" in New York July 11, 2005. "The Island" was to be opened in the USA on July 22, 2005. REUTERS/Bill Davila/Str LEISURE-THE ISLAND