2013년 11월 30일 토요일

About 'free debt elimination'|Debt Elimination Options: Debt Negotiation







About 'free debt elimination'|Debt Elimination Options: Debt Negotiation








With               the               dawn               of               the               new               year,               the               chance               for               implementing               changes               and               improvements               is               upon               us.

A               lot               of               us               made               a               habit               of               making               promises               and               listing               down               resolutions               to               remind               us               of               the               things               that               we               want               to               accomplish               this               year.

We               all               strive               for               a               better               life               and               nothing               improves               the               quality               of               life               more               than               being               free               from               debt.

This               article               will               aim               to               help               you               come               up               with               debt               reduction               resolutions               that               will               take               you               further               into               your               debt               relief               options.
               Resolution               1:               If               you               can't               afford               to               pay               for               it               in               cash,               don't               buy               it.


               This               is               one               habit               that               is               very               hard               to               break               -               using               credit               cards.

But               if               you               are               burdened               with               credit               card               debt,               then               this               is               a               vital               habit               that               you               have               to               develop.

If               you               still               want               to               use               your               cards               for               purchases,               make               sure               you               can               pay               for               the               full               purchase               by               the               time               the               next               billing               statement               comes               in.

If               not,               you               will               be               adding               to               the               debts               that               you               are               already               struggling               with.
               Resolution               2:               Live               within               your               means.


               If               you               really               want               to               achieve               financial               freedom               through               debt               reduction,               you               need               to               stop               acquiring               debts.

To               make               that               happen,               you               have               to               learn               how               to               live               within               your               means.

This               is               something               that               you               will               read               in               a               lot               of               debt               related               articles.

If               you               cannot               develop               this,               you               will               keep               on               creating               debt               holes               because               you               are               spending               more               than               what               you               are               capable               of               paying               for.
               Resolution               3:               Build               your               Emergency               Fund               
               One               of               the               reasons               why               a               lot               of               consumers               got               so               deep               in               debt               is               because               they               were               not               prepared               for               emergencies.

This               is               why               resolution               number               3               is               about               building               up               your               emergency               funds.

Do               not               let               yourself               be               caught               unaware               and               unprepared               again.

Make               sure               you               have               enough               emergency               fund               to               tide               you               over               in               case               another               recession               strikes.
               Resolution               4:               Use               Your               Budget               Plan               
               If               you               haven't               done               so               yet,               create               a               budget               plan               and               use               it.

This               plan               will               show               you               where               your               income               goes               to.

Not               only               that,               it               will               help               you               identify               any               unnecessary               expenses               that               you               are               making.
               Resolution               5:               Monitor               Your               Credit               Report               
               It               is               also               a               good               idea               to               monitor               your               credit               report               regularly.

This               is               a               great               way               for               you               to               see               if               your               finances,               especially               your               debts               are               still               manageable.

This               habit               will               also               help               you               see               any               identity               theft               against               you               -               as               you               can               immediately               see               if               there               are               any               unauthorized               loans               taken               under               your               name.
               Resolution               6:               Commit               to               a               Debt               Relief               Program               
               In               case               you               have               yet               to               decide,               you               need               to               once               and               for               all,               enroll               in               a               debt               relief               program.

Having               a               specific               process               to               follow               in               your               debt               payments               is               a               great               way               to               eliminate               it               once               and               for               all.






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    About 'debt free wannabe'|Free erotica Kindle books for 18 Dec 11







    About 'debt free wannabe'|Free erotica Kindle books for 18 Dec 11








                   It               used               to               be               that               you               might               hear               things               such               as               "I               am               my               own               man"               or               "I               am               not               beholden               to               any               special               interest               group"               from               candidates               striking               out               on               the               campaign               trail.

    Mostly,               that               is               not               the               case               anymore.

    Republican               candidates               for               President               are               virtually               knocking               each               other               over               to               see               who               can               be               verifiably               the               purest               of               the               pure               when               it               comes               to               current               populist               right-wing               ideology.

    If               Republican               voters               demand               that               all               of               their               candidates               think               the               same               way,               and               must               sign               documents               to               prove               it,               what               is               the               point               of               having               primary               elections               in               the               first               place?

    Just               go               to               the               national               convention,               pick               the               best               looking               automaton,               put               it               in               front               of               the               camera,               and               have               it               recite               whatever               mantra               that               fits               with               that               day's               speaking               point.
                   As               of               this               writing,               GOP               presidential               candidates               have               at               least               FIVE               different               pledges               to               America               to               sign               in               order               to               maintain               their               bona               fides               as               a               "pure"               Republican.

    It               seems               that               a               new               special               interest               group               is               popping               up               daily               with               a               pledge               for               the               candidates               to               swear               allegiance               to               in               order               to               guarantee               votes               from               the               populist               minions.
                   Thus               far,               presidential               candidates               have               been               pressed               to               sign               on               to               "               A               Pledge               to               America               (for               House               Republicans),               the               Susan               B.

    Anthony               Pledge               ,               the               Taxpayer               Protection               Pledge,               the               Cut,               Cap               and               Balance               Pledge,               and               the               Strong               America               Now               Pledge.

    That               is               five               pledges               and               we               still               have               17               months               left               before               the               election.

    .

    I               have               had               to               start               a               spreadsheet               myself               in               order               to               keep               track.

    Just               in               case               that               you               haven't               yet               become               aware               of               them               all,               we               will               go               over               each               of               them               for               you               here.
                   First               we               have               the               Taxpayer               Protection               Pledge,               the               brainchild               of               anti-tax               zealot               Grover               Norquist,               which               requires               candidates               to               "solemnly               bind               themselves               to               oppose               any               and               all               tax               increases."               It               has               been               around               since               1986               and               while               Ronald               Reagan               endorsed               the               pledge               he               never               signed               onto               it.

    As               history               would               have               it               though,               Reagan               himself               violated               the               pledge               at               least               three               times               by               signing               tax               increases               into               law               in               1982,               1984,               and               1986.

    This               pledge               has               become               de               rigueur               for               any               Republican               wanting               to               hold               office.

    Currently               40               of               the               current               crop               of               47               GOP               senators               have               signed               the               Taxpayer               Protection               Pledge,               as               have               236               of               242               of               their               compatriots               in               the               House               of               Representatives.
                   Last               fall,               most,               if               not               all               Republican               candidates               for               House               membership,               this               includes               presidential               aspirants               Bachmann               and               Paul,               signed               onto               the               Pledge               to               America.

    This               21               page               tome               states               in               its               introduction               "The               need               for               urgent               action               to               repair               our               economy               and               reclaim               our               government               for               the               people               cannot               be               overstated,"               and               goes               on               to               say               "With               this               document,               we               pledge               to               dedicate               ourselves               to               the               task               of               reconnecting               our               highest               aspirations               to               the               permanent               truths               of               our               founding               by               keeping               faith               with               the               values               our               nation               was               founded               on,               the               principles               we               stand               for,               and               the               priorities               of               our               people.

    This               is               our               Pledge               to               America."               The               Pledge               to               America               states               further               that               among               other               things               they               would               accomplish               if               elected,               a               Republican               Congress               would               repeal               and               replace               the               2010               Health               Care               Reform               Act,               stop               job               killing               tax               hikes,               provide               tax               breaks               to               small               businesses               equivalent               to               20%               of               their               income,               roll               back               non-discretionary               Federal               spending               to               2008               levels,               require               that               every               bill               cite               it's               Constitutional               authority,               cancel               all               Tarp               payments,               reform               Fannie               Mae               and               Freddie               Mac,               provide               resources               to               the               troops,               fund               missile               defense,               and               enforce               sanctions               on               Iran.

    You               can               be               the               judge               on               how               they               have               fared               thus               far               with               this               litany               of               mini-pledges               rolled               into               one.
                   The               Strong               America               Now               Pledge               has               been               circulating               in               Iowa               for               some               time               now.

    According               to               a               press               release               from               the               group               on               June               7,               2011               they               have               14,000               members               who               pledge               only               to               support               candidates               who               will               "...commit               to               execute               the               Strong               America               Now               Plan."               Quoting               from               their               website,               "To               be               listed               on               our               website               as               a               supporter               of               the               Strong               America               Now               plan,               they               (the               candidates)               must               sign               the               Strong               America               Now               Candidate               Pledge               and               agree               to               take               a               two               day               course               on               Waste               Reduction               and               practice               their               knowledge               on               a               waste               reduction               project               prior               to               their               Inauguration."               The               two               day               course               required               is               in               the               sometimes               controversial               corporate               management               discipline               known               as               "Lean               Six               Sigma",               a               management               strategy               that               originated               within               the               Motorola               Corporation               in               1986.

    It               uses               statistical               methods               and               special               groups               of               people               within               an               organization               (known               as               Black               Belts               and               Green               Belts               and               so               on)               who               have               expert               knowledge               of               the               methods               to               obtain               statistically               error               free               thought               and               products.

    Theoretically,               a               business               employing               these               methods               can               obtain               product               manufacturing               that               is               statistically               free               of               defects               (defined               as               3.4               defects               per               million               units               produced).

    Does               God               even               achieve               that               standard               ofdefect               free               production               in               us               humans?

    That               could               be               debated,               but               I               would               have               to               digress               further.
                   Starting               on               June               17,               2011               the               Republican               candidates               for               President               were               asked               to               sign               the               Susan               B.

    Anthony               Pledge               indicating               that               they               firmly               supported               the               Pro-Life               Movement               among               other               things.

    By               signing               this               pledge               they               affirmed               that               they               will               only               appoint               judges               to               the               Federal               Court               system               who               are               "committed               to               ...applying               the               original               meaning               of               the               Constitution..."               (There               goes               your               right               to               vote               ladies),               and               fill               Cabinet               positions               and               the               Executive               branch               with               only               those               who               possess               a               Pro-Life               point               of               view.

    Further,               by               signing               they               vow               to               defund               Planned               Parenthood               and               support               legislation               called               the               "Pain-Capable               Unborn               Child               Protection               Act"               to               protect               unborn               children               who               are               capable               of               feeling               pain               from               abortion."               Signing               this               petition               removes               a               significant               portion               of               the               brain               pool               that               a               future               President               might               want               to               have               at               their               disposal               when               assembling               their               government,               not               to               mention               what               it               would               mean               to               the               many               fine               people               who               are               associated               with               Planned               Parenthood.
                   The               most               recent               must-sign               pledge               to               hit               the               campaign               is               the               Cut,               Cap               and               Balance               Pledge.

    This               pledge               currently               being               circulated               in               Congress               states               in               their               website               that               any               signer               will               not               vote               to               raise               the               National               Debt               Limit               until               a               "plan               for               substantial               spending               cuts               in               FY               2012,               a               statutory               spending               cap,               and               Congressional               passage               of               a               Balanced               Budget               Amendment               to               the               Constitution"               are               in               place.

    House               Republicans               are               already               on               record               with               the               Balanced               Budget               Amendment,               with               the               112th               Congress'               H.J.Res               2               having               its               sponsor               and               221               co-sponsors.
                   So               do               you               wonder               where               your               candidate               fits               in               this               plethora               of               pledges               to               aid               in               the               selection               of               the               perfect               Republican               President?

    Currently               Tim               Pawlenty               has               signed               or               indicated               that               he               would               sign,               all               but               the               Pledge               to               America.

    Ron               Paul               has               signed               all               but               the               Save               America               Now               pledge.

    Michele               Bachmann               and               Herman               Cain               have               signed               three               pledges               each,               Rick               Santorum               and               Newt               Gingrich               two               each,               and               Mitt               Romney               has               only               signed               on               to               the               Taxpayer               Protection               Pledge.

    Where               is               John               Huntsman               in               all               of               this?

    He               refuses               to               sign               any               pledges               saying               that               "My               take               on               all               of               this               is               your               record               should               say               everything               about               where               you               are               and               where               you're               going.

    I               don't               need               to               sign               a               pledge,".

    In               today's               Republican               Party               climate,               that               seems               to               be               a               very               risky               position               to               stake               out               for               yourself.
                   It               would               appear               that               Ron               Paul               and               Tim               Pawlenty               are               the               truest               Republicans               running               for               President               this               year               and               one               of               the               two               should               be               a               shoe-in               for               the               nomination               next               year               (Barring               any               additional               signings               by               the               others).

    Given               the               current               atmosphere               in               the               Republican               Party               that               a               good               Republican               always               marches               in               lockstep               with               the               ideologues               that               surround               them,               (no               R.I.N.O's               allowed),               it               would               also               appear               that               John               Huntsman               would               be               the               only               declared               candidate               with               zero               chance               of               winning               since               he               refuses               to               sign               any               of               these               purity               pledges.

    Does               anyone               really               think               that               that               is               the               way               this               zombie               race               will               ultimately               work               out?
                   What               these               pledges               actually               do               is               pander               to               the               base,               enabling               a               candidate               to               proclaim               at               rallies               around               the               country               that               I               am               a               purer               form               of               Republican               than               thou.

    I               will               never               raise               your               taxes               and               I               promise               to               always               protect               a               fetus'               right               to               a               pain               free               gestation.

    I               will               nominate               only               those               men               and               women               who               have               passed               the               litmus               test               of               the               Federalist               Society               to               the               Judiciary,               and               only               appoint               those               who               are               of               a               like               mind               to               the               Executive               Branch.

    Further               I               pledge               to               you               that               I               will               take               a               two               day               class               in               order               that               I               may               apply               only               the               statistically               purist               of               thought               and               technique               to               the               problems               facing               this               country,               prove               to               you               that               I               can               do               it               by               solving               a               really               hard               word               problem,               and               fill               my               administration               with               folks               dressed               in               belts               of               many               colors,               without               regard               to               the               question               of               whether               they               are               the               best               or               brightest.

    Additionally               I               promise               that               the               Federal               budget               may               only               be               capped               and               cut,               and               that               I               will               support               a               Constitutional               Amendment               that               forces               Congress               to               do               what               it               already               has               the               authority               to               achieve,               if               it               only               possessed               the               will.

    That               is               my               pledge               to               you.
                   Whatever               the               outcome               at               the               Republican               National               Convention               late               next               August,               whoever               the               winner               is               finally               determined               to               be,               it               is               going               to               be               tough               for               nominee               to               say               to               the               independent               voter,               when               they               are               being               questioned               about               their               signatures               on               these               or               any               future               pledges,               that               I               really               didn't               mean               exactly               what               it               was               that               I               signed.

    Oh               really?

    So               your               signature               and               swearing               to               those               ideals               meant               nothing.

    You               were               just               verifying               that               you               are               a               liar,               is               that               it?

    By               signing               these               pledges,               Republicans               are               boxing               themselves               in               on               many               positions               that               they               may               wish               they               had               some               fudging               room               with               come               next               fall.

    Given               their               signatures               on               written               documents,               it               becomes               very               difficult,               if               not               impossible,               to               wriggle               out               of               statements               intended               to               placate               and               win               favor               with               your               base.

    These               pledges               can               only               be               making               things               easier               over               at               the               DNC.

    Their               motto               this               campaign               season               might               just               be               "sign               baby               sign!"
                   Update               7-12-11
                   The               sixth               and               latest               vow               to               be               thrust               into               the               campaign,               The               Marriage               Vow               Pledge,               comes               from               the               Christian               conservative               group,               Family               Leader.

    Michele               Bachmann               and               Rick               Santorum               were               elbowing               each               other               out               of               the               way               trying               to               be               the               first               to               get               their               signed               pledges               into               Family               Leader               organizer               Bob               Vander               Plaats               hands               last               Thursday,               July               8th.
                   Maybe               they               should               have               taken               a               little               time               to               read               more               than               just               the               blurb               before               rushing               to               sign               the               document.

    The               14               point               pledge               has               candidates               vowing               to               be               faithful               to               their               spouses               and               respectful               of               the               marriages               of               others.

    That               wouldn't               include               being               respectful               of               gay               marriages               though,               because               aspirants               would               be               required               to               oppose               gay               rights               through               vowing               to               support               "earnest,               bona               fide               legal               advocacy"               for               the               Defense               of               Marriage               Act,               and               support               for               a               Constitutional               Amendment               "which               protects               the               definition               of               marriage               as               between               one               man               and               one               woman               in               all               of               the               United               States."               It               also               seeks               to               head               off               a               Muslim               takeover               of               the               country               by               having               the               presidential               hopefuls               swear               their               opposition               to               Sharia               law.

    Among               other               points,               the               office               seekers               signing               this               pledge               would               also               swear               their               "Recognition               that               robust               childbearing               and               reproduction               is               beneficial               to               U.S.

    demographic,               economic,               strategic               and               actuarial               health               and               security."               and               "Fierce               defense               of               the               First               Amendment's               rights               of               Religious               Liberty               and               Freedom               of               Speech,               especially               against               the               intolerance               of               any               who               would               undermine               law-abiding               American               citizens               and               institutions               of               faith               and               conscience               for               their               adherence               to,               and               defense               of,               faithful               heterosexual               monogamy."
                   All               of               the               aforementioned               and               most               other               things               in               the               pledge               are               pretty               much               typical               conservative               Christian               fodder               for               the               faithful.

    However,               you               might               think               that               these               wannabe's               for               the               highest               office               in               the               land               might               actually               have               learned               to               read               what               you               sign               by               now.

    But               alas,               both               Bachmann               and               Santorum               were               so               in               a               hurry               to               sign               this               thing               that               they               forgot               to               read               the               part               about               slavery               as               the               first               ding               in               the               armor               of               the               Institution               of               Marriage               in               America               and               that               African-American               children               were               better               off               as               slaves               than               they               are               now.

    The               original               vow               posted               stated               that               "Slavery               had               a               disastrous               impact               on               African-American               families,               yet               sadly               a               child               born               into               slavery               in               1860               was               more               likely               to               be               raised               by               his               mother               and               father               in               a               two-parent               household               than               was               an               African-               American               baby               born               after               the               election               of               the               USA's               first               African-American               President."               I               say               original               because               once               people               of               intelligence               started               reading               and               pointing               out               what               the               candidates               had               signed,               Family               Leader               scrubbed               all               references               to               slavery               from               the               document               and               the               candidates               tried               to               say               that               they               didn't               really               mean               what               they               signed               (like               I               pointed               out               that               it               would               be               tough               to               do               earier).
                   I               think               that               the               chants               of               "sign               baby               sign"               are               growing               louder               over               at               the               DNC.






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    You               know               it               wasn't               too               long               ago               that               I               was               in               debt               up               to               my               ears               and               living               paycheck               to               paycheck.

    All               I               could               think               about               was               my               family               and               how               much               I               wished               they               could               have               more.

    Suffering               from               a               building               debt               in               our               current               economy               is               definitely               not               unheard               of.

    In               fact,               almost               half               of               all               Americans               are               in               severe               debt               living               paycheck               to               paycheck.

    You               may               have               asked               yourself               at               least               once,               "what               do               I               need               to               do               to               get               out               of               debt               and               back               on               my               feet."               Well               your               in               luck               and               I               may               be               able               to               help.

    You               must               remember               before               you               go               in               and               immediately               start               reducing               your               debt               that               this               is               not               overnight               and               may               take               several               months               to               a               couple               years               to               get               you               debt               free               so               have               patience.

    I               am               not               going               to               tell               you               anything               that               is               not               already               being               done               by               debt               consolidation               agencies               that               charge               you               money               you               don't               have               in               order               to               reduce               your               debt.
                   The               first               thing               you               want               to               do               is               sit               down               with               a               pad               of               paper               and               a               pen               and               start               writing               down               everybody               and/or               agency               you               owe               money               to               and               the               interest               rates               you               are               being               charged.

    Don't               forget               to               have               your               most               recent               statements               in               front               of               you               as               well               to               better               gather               this               information.

    Once               you               have               gathered               the               necessary               information               it               will               be               time               to               call               all               your               creditors               and               see               if               you               can               get               the               annual               interest               rates               lowered.

    Some               creditors               will               lower               them               some               will               not.

    NOTE:               no               matter               how               annoying               the               creditors               may               be               it               is               very               important               to               be               polite               and               considerate.
                   Next,               you               will               want               to               start               balloon               payments               of               your               own               starting               with               the               debt               with               the               highest               interest               rate               first               while               paying               the               minimum               payments               on               all               other               debt.

    This               is               the               most               important               step               of               all               as               this               is               what               will               get               your               debt               paid               quicker.

    Have               you               ever               seen               how               much               you               end               up               paying               a               creditor               when               the               interest               rates               are               high?

    Let               me               show               you               what               I               mean.

    If               you               have               a               credit               card               that               has               a               balance               of               $3000               and               you               have               a               19%               annual               percentage               rate               (APR)               you               will               pay               in               one               year               to               that               creditor               approximately               $570               of               your               own               money.

    Think               about               it               to,               if               your               paying               the               minimum               payment               that               never               seems               to               drop               the               balance               you               are               paying               this               $570               every               year.

    In               5               years               this               one               debt               has               cost               you               $2850               of               your               hard               earned               money.
                   This               balloon               payment               method               with               save               you               thousands               in               the               long               run               and               get               your               life               back               on               track.

    Take               your               debts               and               line               them               up               with               your               highest               interest               rates               at               the               top               (no               matter               what               the               debt               is)               and               start               paying               $10               to               $20               extra               a               month               on               top               of               the               minimum               payment               and               watch               the               debt               start               to               go               away.

    Once               that               debt               is               paid               off,               CLOSE               THE               ACCOUNT.

    You               will               then               take               the               payment               you               were               making               to               that               creditor               and               apply               it               to               the               minimum               payment               on               the               next               higher               interest               rate               debt.

    For               example,               let's               say               you               were               paying               off               the               $3000               debt               above               and               originally               the               minimum               payment               was               $46.

    Let's               say               you               were               able               to               afford               an               additional               $20               per               month               on               this               debt.

    Now               you               are               paying               $66               a               month.

    You               will               pay               off               this               debt               approximately               2               years               faster               than               what               you               would               have.

    Once               you               have               paid               this               debt               off               you               will               tack               the               $66               you               were               paying               onto               your               next               debt               minimum               payment.

    So               let's               say               your               next               debt               minimum               payment               was               $10.

    You               will               now               be               paying               $76               towards               this               debt               a               month.

    Once               you               pay               off               two               of               you               debts               using               the               balloon               method               your               remaining               debt               will               dwindle               quickly.

    So               as               I               said               previously,               in               the               beginning               you               MUST               have               patience.
                   Something               else               that               helps               out               a               lot               is               the               end               of               year               tax               return               if               you               are               lucky               enough               to               receive               one.

    Take               50%               to               60%               of               the               return               you               receive               and               apply               it               to               the               debt               you               are               currently               trying               to               pay               off.

    Don't               split               it               among               all               your               debts               as               this               will               only               dent               the               balances               and               not               do               you               any               good               as               the               interest               will               still               tack               on               to               the               remaining               balance.

    With               the               remaining               40%               to               50%               of               the               return               go               and               buy               something               or               do               something               for               yourself               or               your               family               as               an               incentive               for               your               patience               and               hard               work               at               lowering               your.

    You               should               take               about               10%,               at               least,               and               put               it               into               a               savings               account               that               accrues               interest               as               this               will               pay               off               in               the               end.
                   This               is               not               just               another               article               on               being               debt               free,               this               is               real               and               works               very               well.

    I               was               $33,000               in               debt               with               $2200               in               monthly               payments               just               5               years               ago               and               I               only               have               approximately               $3000               debt               today               with               $100               in               monthly               payments.

    I               challenge               you               to               be               debt               free               and               live               with               no               money               worries.

    Take               your               significant               other               out               on               a               date               or               your               kids               to               Disney               World.

    The               sky               is               the               limit               when               your               not               living               paycheck               to               paycheck.






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