One of the most prominent companies that exists today in the field of consumer credit counseling is Curadebt. Curadebt has been providing consumer credit counseling services to clients for years and they have a proven track record for getting people out of debt and on the road towards financial freedom.
Curadebt starts out by analyzing your current financial situation and then developing a personal financial assessment. This includes looking at your income, expenses, assets, and liabilities. After they have the big picture, they can start making suggestions on how you can get out of debt and start living your life financially stable and with a good credit record.
Consumer credit counseling services like those offered by Curadebt have become big business and they are a good option for people who have gotten themselves into financial trouble and don't know how to get out of it.
This company offers a plethora of advice and tools on their website that can help educate you about the bad habits that got you into financial trouble in the first place and then help you take steps to change your spending habits so that the trouble doesn't continue.
Curadebt is one of the first companies to offer these services and they have a great reputation in the financial industry.
Besides offering credit counseling, Curadebt will also offer educational workshops, community partnerships, and financial incentives that can not only teach you about the proper way to use credit, but also how to clean up any messes you've made when it comes to your own credit and credit score.
Probably one of the handiest tools on their website - is the financial worksheets that can help determine your debt to income ratio which can make a difference when you apply for a loan or a line of credit.
See, what the financial institutions look at when they are deciding whether or not to give you a loan, which is whether or not you will have enough income to make the payments required to repay the loan. If your debt exceeds your income, you won't get the loan. This can be a very valuable tool as you will be able to look at your debts and try to find ways to cut down and conserve so that your income exceeds your debt instead of the other way around.
Curadebt is a great company that can help people of all walks of life; both those with credit problems as well as those who want to prevent credit problems. Check them out and take advantage of all they have to offer to make your financial statement look as good as it can.
Back in the late 1950's, a company named Fair Isaac came up with a way to assign a number to consumers that would reflect their credit worthiness which we know today as the credit score. It is a three digit number that tells prospective lenders if you are a good credit risk or a bad credit risk. Your credit rating makes the difference between whether or not you can get a line of credit or a loan.
The credit rating is a snapshot of everything you've ever done regarding the use of credit and your payment history. Fair Isaac Company (FICO) compiles all of this information and then applies a complicated mathematical formula that calculates your credit rating.
The formula is not public knowledge and this is done with the blessing of the Federal Trade Commission. The average credit rating for an American today is 720. Basically, the higher your credit rating is, the more credit worthy you are and the less problems you'll have obtaining credit and loans. However, there are also many, many people with credit scores that fall below the 630 mark which means they are a credit risk and are likely to be denied credit just because of this rating.
Now lenders often know that things happen in life that can't be avoided. If your low credit rating is due to excessive medical bills or life-altering events that reflect poorly on your credit report, you may be able to talk with them and provide documentation and still get approved. Click here to see the website of Curadebt:
You will recieve a free consultation.
It's important to monitor your credit report and attach notes to explain anything that reflects poorly against you.
It's vital that you keep your credit rating as high as possible. That can be done by simply paying your bills on time, not overspending, not carrying a lot of credit card debt, and being sensible when it comes to buying things on credit. You should also check your credit report on at least an annual basis to make sure there are no mistakes on it. One error can bring your score down dramatically.
While some don't like the idea of their whole financial history being scaled down to one three digit number, but in the financial world, the credit rating does rule the awarding of credit. That's just the way it is for now. It's what we have to deal with.
If you want to buy a home or a car or even secure a line of credit on a credit card, you will have to have a credit rating of at least 675 if not higher.
Take steps today to raise your credit rating. Then when you need important things in life, you'll have less problems.
The do-it -yourself method is another option. It will be the less expensive way and the most fulfiling. When you do it yourself you grow taller. It's a option to consider. More information at: http://www.goodcreditmatters.blogspot.com/
Wednesday, July 20, 2011
Friday, July 15, 2011
Can America Afford Not To
Our country is in debt. Not only is our government in debt but we as citizens are in debt
ourselves and the problem is getting worse.
Recent studies have shown that 609.8 million cards are held by U.S. consumers. Each card holder
holds an average of 3 (three) cards. Ninety percent of Americans have at least one credit card
and they are using that card ALOT.
The average family carries a balance of between $10,000 and $15,000 on all of their credit
cards. Over $1500.00 per family goes on interest every year. And that's just the average, some
people owe much more.
Overall, consumer debt is 2.43 trillion 793.1 billion is revolving debt of which 98 per cent
is credit card debt. If debt continues at the current rate, then one family in a hundred will
be forced into bankruptcy. Over 90 percent of Americans' disposable incomes are spent paying
back debts.
When you add credit card debt to the regular bills we have to pay each month, it can devastate
a pocketbook. which can tax one's mental stability. As a result, some bills go unpaid and
others are paid late.
Both of these instances can damage your credit, sometimes so much that you think there's no way
you'll ever be able to get out of debt and live a normal life.(I call it BC, before credit)
The truth is that you can get out of debt and restore your credit to nearly what it was before
you had credit problems. It takes some time and a little work on your part but it IS possible.
The secrets of the credit system revealed in this soon to be released powerful and lifechanging
guide. It's called "Give Yourself Credit Too " Instead of being a victim, use the system to your
advantage. It's legal. It's fast and it lasts a lifetime.
Loan approvals and such depend on your credit score. That number is what determines if you can
get credit, what your interest rate will be, and how much money potential lenders will give
you. It tells you Where to apply and what to show and say that is music to the lender's ears.
A good median score is 750 but the higher your score is, the more financially soild you are.
This guide which some refer to as the Credit Bible is the great equalizer. Revealing the secrets of the
system and turning the tables on the money changers. The average man and woman finally has a
chance.
There is life after debt. There is hope for a brighter tommorrow.
ourselves and the problem is getting worse.
Recent studies have shown that 609.8 million cards are held by U.S. consumers. Each card holder
holds an average of 3 (three) cards. Ninety percent of Americans have at least one credit card
and they are using that card ALOT.
The average family carries a balance of between $10,000 and $15,000 on all of their credit
cards. Over $1500.00 per family goes on interest every year. And that's just the average, some
people owe much more.
Overall, consumer debt is 2.43 trillion 793.1 billion is revolving debt of which 98 per cent
is credit card debt. If debt continues at the current rate, then one family in a hundred will
be forced into bankruptcy. Over 90 percent of Americans' disposable incomes are spent paying
back debts.
When you add credit card debt to the regular bills we have to pay each month, it can devastate
a pocketbook. which can tax one's mental stability. As a result, some bills go unpaid and
others are paid late.
Both of these instances can damage your credit, sometimes so much that you think there's no way
you'll ever be able to get out of debt and live a normal life.(I call it BC, before credit)
The truth is that you can get out of debt and restore your credit to nearly what it was before
you had credit problems. It takes some time and a little work on your part but it IS possible.
The secrets of the credit system revealed in this soon to be released powerful and lifechanging
guide. It's called "Give Yourself Credit Too " Instead of being a victim, use the system to your
advantage. It's legal. It's fast and it lasts a lifetime.
Loan approvals and such depend on your credit score. That number is what determines if you can
get credit, what your interest rate will be, and how much money potential lenders will give
you. It tells you Where to apply and what to show and say that is music to the lender's ears.
A good median score is 750 but the higher your score is, the more financially soild you are.
This guide which some refer to as the Credit Bible is the great equalizer. Revealing the secrets of the
system and turning the tables on the money changers. The average man and woman finally has a
chance.
There is life after debt. There is hope for a brighter tommorrow.
Thursday, March 31, 2011
Ethics Are Good For The Country-They Are Good Personally
The American Heritage Dictionary of the English Language states in it's new college edition that
“2. The rules or standards governing the conduct of the members of a profession. “all citizens share in the blame for lax municipal ethics. (Christian Science Monitor). 3. Any set of moral principals or values. 4. The moral quality of a course of action;fitness;propriety: I question the ethics of his decision.
I don't know anyone in the industry who hasn't been touched by the sleaziness of some sort of laxes in ethical behavior. It seems that in some cases this type of behavior is taught and pasted on to the new-bies.
I've found that many people who are not a part of the over-all industry but has had some type of dealings with the internet marketing industry, has walked away with a bad taste in their mouths and bad things to say.
This reputation is not growth orientated. The industry is losing tons and tons of money. Practicing ethics and following a code of ethics portends an explosive growth of the industry. Ethics are a good
business practice.
It seems that since the wall street fiasco, question about ethics in the industry has ballooned. Buying by consumers have slowed because of fear.
The citizenry is suffering from an ethics depression. The citizen could stand a ethical inoculation, especially the business people in the country and in general, the people in the internet marketing community.
In the internet marketing industry we could adopt a code of ethics. There may be such a device that exist already. I'm unaware of any code that pertains to the marketing industry except The American Marketing Association's Code of Ethics. It's directly related to marketing in general but has a section for the internet marketers also.
Adopting The AMA's Code of Ethics maybe the way to go. A document can be drafted for the industry in particular if necessary.
In the course of executing business at times a fine line is drawn between the ethical and the unethical.
One marketer may really believe it is alright to say his/her product is the best and another may say there is none better implying that theirs is as good as they come. These marketers seem to disagree on approach.
The first marketer maintains that there is nothing wrong with his/her statement and the other one doesn't want to be guilty of outright lying. They tell the truth around the edges. They “fib” to the consumer.
A psychologist would never disclose information about his/her clients outside of their professional duties. To do such, would be a violation of their workplace ethics, or their moral/professional standards. A good mechanic and I said, a good mechanic would never repair a item on a automobile while intentionally sabotaging another. It would be unethical. In the same manner, it is considered unethical to advertise a product as having certain qualities if the product doesn't have these advertised qualities.
There is room for disagreement but it shows why the industry needs a code of ethics that is clear and unambiguous. Everyone will follow the code for the industry. Well maybe not everyone, but enough will to make a difference.
Each occupation has certain general ethical standards that are agreed on, for the existence of their
profession. Let's make our move now. Practicing ethics is a good business practice.
Saturday, March 19, 2011
Friday, May 2, 2008
Enthusiasm
If you could choose just one skill or emotion to build the rest of your life on. Choose ENTHUSIAM!!! There are others that may bid you well. But I would bet on ENthusiasm.
Enthusiasm conquers your fatigue, it will give you added energy and add energy to others around you.
Enthusiasm conquers suspicion in others.
Enthusiasm makes others want to communicate with you.
Enthusiasm makes others overlook your small shortcomings.
Enthusiasm not only creates instant friendliness and trust, but also leaves friendliness and trust behind it.
Enthusiasm makes others willing to link their names to yours.
Realize everyone has enthusiasm and the more you use it, the stronger it gets. Has your enthusiasm grown rusty? Give it some practise and it will gleam and glow. Bring it right out where everyone can see it. How long has it been since you've believed in something and sounded off about your enthusiastic belief? Practise your enthusiasm and it begins to swing and sing.
Enthusiasm conquers your fatigue, it will give you added energy and add energy to others around you.
Enthusiasm conquers suspicion in others.
Enthusiasm makes others want to communicate with you.
Enthusiasm makes others overlook your small shortcomings.
Enthusiasm not only creates instant friendliness and trust, but also leaves friendliness and trust behind it.
Enthusiasm makes others willing to link their names to yours.
Realize everyone has enthusiasm and the more you use it, the stronger it gets. Has your enthusiasm grown rusty? Give it some practise and it will gleam and glow. Bring it right out where everyone can see it. How long has it been since you've believed in something and sounded off about your enthusiastic belief? Practise your enthusiasm and it begins to swing and sing.
Saturday, April 19, 2008
Positive Mental Attitude
Ten Basic Motives
The desire for self-preservation
The emotion of love
The emotion of fear
The emotion of sex
The desire for life after death
The desire for freedom of body and mind
The emotion of anger
The emotion of hate
The desire for recognition and self-expression
The desire for material gain
When you know principles which can motivate yourself, you know principles which can motivate others.
The desire for self-preservation
The emotion of love
The emotion of fear
The emotion of sex
The desire for life after death
The desire for freedom of body and mind
The emotion of anger
The emotion of hate
The desire for recognition and self-expression
The desire for material gain
When you know principles which can motivate yourself, you know principles which can motivate others.
Reactive - Proactive Mindsets
Reactive Language ---------Proactive Language
There's nothing I can do-------Let's look at our alternatives
That's just the way I am------ I can choose a different approach
He makes me so mad----------I can control my own feelings
They won't allow that---------I can create an effective presentation
I have to do that ------------I will choose an appropriate response
I can't------------- I choose
I must ------------I prefer
I only ------------I will
There's nothing I can do-------Let's look at our alternatives
That's just the way I am------ I can choose a different approach
He makes me so mad----------I can control my own feelings
They won't allow that---------I can create an effective presentation
I have to do that ------------I will choose an appropriate response
I can't------------- I choose
I must ------------I prefer
I only ------------I will
Subscribe to:
Posts (Atom)