Whackhead Simpson the debt collector is after 10,000 Rand…
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#debtconsolidation #creditcards #debtsettlement
Debt settlement:
– A strategy that reduces your total debt amount – and as a result, pay less than you currently owe. if you’re behind on payments with no foreseeable end in sight, the debt settlement process can be an effective way to pay much less than you currently owe.
– Done through a series of negotiations undertaken between your representative and your creditors.
– While your representative initiates negotiations with your creditors, you establish an escrow account with monthly savings that eventually will be used to pay the reduced debt amounts.
– Depending on the total debt amount, a debt settlement plan can take anywhere from 18 – 48 months to complete.

Debt consolidation:
– Consolidates all of your debts into one loan, which combines all of your debt into one single payment, providing a more simplified way of paying the debt.
– May reduce the amount of debt you owe as a result of obtaining a lower interest rate.

Get Started today with Debt Relief: https://financialrescuellc.com/get-st…
Free Consultation – Call: 877-973-3287
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Visit Financial Rescue at https://financialrescuellc.com/ for more information about customized debt relief programs, designed to slash monthly debt payments by 40-60%.
? Credit Cards – YES
? Medical Bills – YES
? Unsecured Loans – YES
? Hardship – YES

Learn what debt problems we can solve: https://financialrescuellc.com/problems-we-solve/
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Our experienced debt counsellors are always willing to lend an ear. The Debtbusters debt counselling team have impacted many lives through their expert debt management services , visit our website for your debt review today. http://www.debtbusters.co.za

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?Hey guys! Welcome to this incredible episode as Omar interviews multi-millionaire entrepreneur John Shin on his incredible story of overcoming all odds as an immigrant coming to the US & going from $500k in debt to building a 9-figure business in the financial management industry! Overcoming all odds & many failures, John ultimately used many of the principles he shares in this interview to turn around his life! Today, John is a successful family man, serial entrepreneur, producer, investor, philanthropist, author, speaker & is also currently on a world tour sharing the  “THINK & GROW RICH” message around the world! Enjoy ?

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For people who already agree or think they can come to agreement with some help, this video describes some methods to do that. These methods are often called Alternative Dispute Resolution because they are an alternative to a contested hearing or trial.

There are so many companies out there on the internet vying for your attention online every single day, many who want to sell you their product. This includes debt consolidation companies. As it turns out, there are a lot of ways to do debt consolidation but only ONE WAY to do it CORRECTLY.

Debt Snowball Method: https://youtu.be/KWp7ZjD6AD8
Debt Avalanche Method: https://youtu.be/d3H2ODyQo0I

Before you can even THINK about utilizing debt consolidation, you MUST make a few commitments/promises to yourself:

1. Remember that you are in DEBT! The Focus is GETTING OUT!
2. Cut up your existing Credit Cards!
3. You MUST use a WRITTEN BUDGET!

You are in debt! That is why we are even talking about Debt consolidation at all. You need to make a commitment to NOT use your existing credit cards AT ALL while you pay off your credit card debt. Your focus needs to be 100% on paying off your existing debt as quickly as possible. On this same note, you MUST HAVE a written budget to do debt consolidation the right way. You need to be in control of your finances each and every month to make sure your income is being used efficiently and you have extra money left over each month to pay off debt.

The 1st step to completing debt consolidation the right way is to utilize a debt consolidation credit card that has (2) characteristics:

– The debt consolidation credit card MUST have a 0.00% interest rate period of at least 12 months but longer is definitely preferred.
– the debt consolidation credit card MUST have a $0.00 balance transfer fee

There are a lot of credit cards out there that offer a 0.00% interest rate period of 12-18 months, but very few credit cards out there also offer a $0.00 balance transfer fee. Most credit cards will have a balance transfer fee of $10 or 5% of the outstanding balance whichever is higher. As you can imagine, this could end up being a very significant amount of money depending on how much debt you have to consolidate.

The only credit card that I could find that meets these requirements is the American Express EveryDay Credit Card. This card currently offers a 0.00% interest rate for the 1st 18 months after the credit card is opened and it also offers a $0.00 balance transfer fee for every balance transfer completed during the first 60 days after the account is opened.

Some things to consider before opening and using this credit card are:

– How much debt do I need to consolidate?
– Will I be able to pay off this debt during the first 18 months?

After you have utilized the American Express EveryDay loan consolidation credit card, the next best option would be to utilize a debt consolidation personal from a company like Marcus by Goldman Sachs or Discover. Both of these companies offer excellent options for fixed-rate low interest rate unsecured personal loans that you can utilize to pay off your high-interest credit card debt. A debt consolidation personal loan will allow you to have one payment instead of multiple payments with an interest rate lower than your credit cards.

Here are the takeaways:

1. START with a WRITTEN BUDGET for your personal finances
2. Cut up your existing credit cards to avoid additional debt
3. START with the American Express EveryDay card then utilize a personal loan

My name is JOE and I am just your AVERAGE JOE ON MONEY. This channel talks about ALL THINGS personal finance that help people like YOU and I, the Average Joe, learn the fundamental principles of money and win with our finances. Whether it is learning how to budget, saving money for retirement, investing, paying off debt, and all things in between, I have you covered here on the Average Joe on Money YouTube channel.

If you are having problems with debt, we can help you. We have an entire team of highly qualified debt counsellors to assist you. Debt Counselling is something thing you should never be ashamed of, let Debtbusters help you get your life back on track. Visit our website today, http://www.debtbusters.co.za/debt-solution/debt-management/

In this Star Wars: Clone Wars episode, Ashoka Tano and the Martez sisters fight the Pyke Syndicate, bond a bit, and there’s a special Mandalorian cameo that is going to have huge implications later in the season. As always, we found plenty of Easter Eggs and references as well.

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Written and Hosted by Ryan Arey (http://twitter.com/ryanarey)
Edited by Nora Lotfy

#CloneWars #Episode7 #EasterEggs #Season7 #Ashoka #Mandalorian

What is Debt Mediation and Counselling?

0.1
The topics covered in today’s video include:

? What is debt mediation?
? What is debt counseling?
? Why should you consider debt counseling or mediation?

1.1
? Debt mediation offers one way to get yourself back on the road to financial solvency.

It will help you get out of debt.

1.2
? Debt mediation allows you to sit down with your creditors and come to a mutually beneficial agreement about how to pay off your debts.

This is where you get a cheaper rate for the interest on your loan.

1.3
? Debt mediation works by lowering your interest payments to the concession rate — the lowest rate offered by the credit card company — and coming to an agreement on the amount of principal reduction.

This is when both sides are in synergy about the about of debt that should be paid, and the interest rate on the loans.

2.1
? Debt counseling is a process that is used to help individual debtors with debt settlement through education, budgeting and the use of a variety of tools with the goal to reduce and ultimately eliminate debt.

A debt counselor is your ally in paying off debt.

2.2
? Debt counseling is also known as credit counseling.

A synonym.

2.3
? Debt or credit counseling is appropriate for individuals who are trying to pay off their debt Dollar-for-Dollar but who don’t feel they are making any headway on their own.

It might help you pay off your debts faster.

3.1
? If you want help to prioritize your payments and create an action plan for getting back in the black.

This is a good time to consider debt counseling or mediation.

3.2
? If you can’t make a payment on a debt you might want to consider debt counseling or mediation.

If your broke and in debt, then you might consider these as options.

3.3
? If you are concerned with your debt, you might want to consider debt counseling

Debt counselling might allow you to feel better about yourself when you are paying debts back.