Personal debt is getting larger; Prof. Richard Wolff joins us to break it down and how even movements like the Yellow Vests reflect the growing issues of debt and wealth inequality. Sayeh Tavangar gives us the low down as India moves to pay Iran in rupees; circumventing sanctions! And is volatility a buyer’s paradise or a perilous pitfall? John Grace from Investor’s Advantage is back to help us make sense of it all!

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Thinking about filing for bankruptcy? Before you can file you are required to take a credit counseling course and submit the certificate of completion along with your petition and schedules. After you file, a second course and certificate are required to qualify for a discharge.

In this video, I explain what is involved with these two mandatory bankruptcy education courses.

Here is a list of approved vendors: http://www.bankruptcyworksheet.com/credit_counseling_vendors.html

Here is a link to my Atlanta bankruptcy web site: http://www.atlanta-bankruptcy-attorney.com.

Jonathan Ginsberg
Atlanta bankruptcy attorney
Ginsberg Law Offices
1854 Independence Square
Atlanta, GA 30338
770-393-4985

Credit Counselling Services in Canada – Reducing Personal and Business Debt Load – Recent interview series, Part 11, where Avineet Kalsey tells us about the services that they offer to Canadians to be able to help reduce and eliminate both personal and business debt using a variety of techniques.

Debt reduction is front and center on many Canadians’ minds right now with soaring household debt levels – it doesn’t have to be this way – call our experienced credit counselors such as Avineet Kalsey right now. You don’t need to struggle with debt, BSCC can help reduce your debt by over 50%-90% RIGHT NOW – call us today at 1-866-790-8984 – its free!

or Visit:

Business Solutions & Credit Counselling Services

Surrey/Vancouver office:
12033 92A Ave #205 Surrey, BC V3V 4B8
Tel: 604-951-8984
https://www.google.com/maps/d/edit?mid=z3X9D1QmScWs.kjLPMNEqwaxo

Toronto Office:
#43 – 8500 Torbram Road
Brampton, ON L6T 5C6
Tel: 905-789-8984
https://www.google.com/maps/d/edit?mid=z3X9D1QmScWs.kfJ5qQURWhEs

Calgary Office:
#210-3132 26 Street NE
Calgary, Alberta T1Y 6Z1
Tel: 403-714-8984

Edmonton Office:
Tel: 780-716-8984

Abbotsford Office:
#1A – 2497 Clearbrook Road
Abbotsford, BC V2T 2Y3
Tel: 604-951-8984
or Nationwide call: 1-866-790-8984

http://www.bscc.ca/
https://plus.google.com/u/0/100755473303544230759/about

Don’t spend another year racking up unnecessary debt and dig yourself deeper into an unrecoverable situation – we can help! You can avoid going into bankruptcy – it’s a negative mark on your credit and can last for 7-10 years – where a neutral credit counseling notation is REMOVED once someone completes the program. You really can turn your financial life around quickly – just call us and receive a free evaluation of your situation with some helpful advice and absolutely no obligation to take any action if you don’t wish to.

Remember – you DO NOT (and in a lot of cases, SHOULD NOT) always have to go into bankruptcy – we can share valuable information about your options that your bank or other credit counseling companies may not be willing to share with you – because it’s not in their best interest! We work on YOUR behalf, and thus ensure that you receive the very best information for your specific situation. Contact us today at BSCC for a free consultation about your finances – 2018 can be your year that you begin on the journey to finally becoming debt free!

For over a decade, the professionals at Business Solutions and Credit Counselling Services (BSCC), a registered, government-approved credit counseling firm, has assisted hundreds of thousands of consumers throughout Canada to avoid declaring bankruptcy, prepare a consumer proposal, rebuild their credit rating, and pay off their excessive charge card debt. These are clients who were once struggling to manage excessive debt and financial obligations. We work with each client individually, designing manageable, realistic programs to relieve their financial burden and stress.

For more information about using effective debt counseling nationwide wherever you live in Canada – and how to avoid bankruptcy and becoming debt free from high credit card debt or even business bankruptcies, please visit us at http://www.bscc.ca or call 1-866-790-8984 today! We have credit counseling offices in Toronto, Vancouver (Surrey), Calgary, Edmonton, and Abbotsford.

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Credit Card Debt is the worst debt to be in. Often it is debt that we have used to buy depreciating stuff, like clothes, shoes and lifestyle habits…leaving us with not much to show for. So if you have reached a point where you have had enough with credit card debt holding you back in life and are thinking about using a personal loan to get back on top of your finances again, well I strongly recommend watching this.

ALSO, PLEASE FEEL FREE TO FORWARD THIS VIDEO OR PASTE THIS VIDEO FOR ANY FAMILY OR FRIENDS TO WATCH WHO ARE DROWNING IN CREDIT CARD DEBT.

xCC

SugarMamma.TV is all about educating, inspiring and empowering everyday people to create financial harmony, freedom and independence in your life. Bite sized videos, with quick and easy to understand tips, that you can apply straight away and see the results. SugarMamma.TV is a powerful movement making money and finance more approachable, energetic and enlightening.

Your $100 Sofi Referral link: sofi.com/share/247558 Hopefully you can save some money!

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MORE FROM COMMON CENTS MIKE:
HOW TO INVEST with Wealthfront https://youtu.be/ScV2xk3O_gY
HOW TO REFINANCE YOUR CAR with RateGenius https://youtu.be/PreeQ9izAJY

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Saving: 8 Laws of Saving Money: Budgeting Your Savings and Debt, Managing Your Personal Finance That Doesn’t Suck FREE BONUS BOOK Have you ever been thinking that it’s time to start saving money, but you just can seem to get around to it? Personal finance sometimes feels like a money management burden that will never leave you debt free. In fact, Thomas Jefferson felt the same way. He had some very profound feelings about debt in both his public and private worlds, and he left behind some wise insight that allows us to realize we’re all in the same boat, with the same worries. In this book Saving Money: The 8 Laws of Saving Money we cover 8 great money saving strategies and rules that will change your way of thinking about frugal living, and budgeting for beginners. Of course, we do this with a little help and insight from the words of Thomas Jefferson himself. Law 1: Saving is Symbolic and Debt is Symbolic We have to look past the abstract about what money symbolizes and see it for what it really is. We have to do the same with debt, and when it becomes clear that debt is a form of slavery we might think twice about volunteering for slavery. Law 2: It’s Time to Break It Down Let’s break down where the most obvious money habits that fail you. Remember, we’ve going to learn how to save money in a way that doesn’t suck, so first we cull the stuff we don’t care about. This activity will help with that challenge. Law 3: Think of Your Savings Like It’s a Bill That Must Be Paid to Yourself How frustrating when this rule is so much easier said than done. Let’s discuss the reality of this concept, and find out how to make it happen. Law 4: Start Making Comparisons about the Services You Subscribe To This where the meat of your savings happens. You don’t need to cut into the quality of your life like you think you might, and you can still save hundreds of dollars a month. Law 5: Don’t be Fooled by the Smoke and Mirrors of the Guy Standing Next to You Keeping up with the Jones’s is the biggest scam society ever made you believe. Cause the Jones’s might be stupid with their personal finance. Learn to be smarter than the next guy, not fooled into consuming every shiny thing. Law 6: Don’t Make Emotional Money Decisions Don’t be tripped up over your emotions. Learn a few useful skills to work with those emotional feeling.Discover when it’s time to buy the thing you love, and when to turn and walk away. Law 7: Know Your Team Not everybody cares about your success. Identify who to work with and who to say no to when it comes to digging into your pockets. Law 8: Small Goals vs. Big Goals We all have the goal that drives us to financial success, but you want to discover how the small goals will help you achieve the bigger ones. In fact, you might need to buy that laptop and reward yourself, if you want to make it to that big dream goal. Tags: saving money, saving money tips, personal finance that doesn’t suck, hot to save money, a guide to saving money, save money tips, money management, frugal living, frugal living tips, debt free, debt free living, debt to pay, budgeting for beginners, budgeting and finance, personal finance books,

Presenting twelve breakthrough practices for bringing creativity into all human endeavors, The Art of Possibility is the dynamic product of an extraordinary partnership. The Art of Possibility combines Benjamin Zander’s experience as conductor of the Boston Philharmonic and his talent as a teacher and communicator with psychotherapist Rosamund Stone Zander’s genius for designing innovative paradigms for personal and professional fulfillment. The authors’ harmoniously interwoven perspectives provide a deep sense of the powerful role that the notion of possibility can play in every aspect of life. Through uplifting stories, parables, and personal anecdotes, the Zanders invite us to become passionate communicators, leaders, and performers whose lives radiate possibility into the worldThe lure of this book’s promise starts with the assumption in its title. Possibility–that big, all-encompassing, wide-open-door concept–is an art? Well, who doesn’t want to be a skilled artist, whether in the director’s chair, the boardroom, on the factory floor, or even just in dealing with life’s everyday situations? Becoming an artist, however, requires discipline, and what the authors of The Art of Possibility offer is a set of practices designed to “initiate a new approach to current conditions, based on uncommon assumptions about the nature of the world.”

If that sounds a little too airy-fairy for you, don’t be put off; this is no mere self-improvement book, with a wimpy mandate to transform its readers into “nicer” people. Instead, it’s a collection of illustrations and advice that suggests a way to change your entire outlook on life and, in the process, open up a new realm of possibility. Consider, for example, the practice of “Giving an A,” whether to yourself or to others. Not intended as a way to measure someone’s performance against standards, this practice instead recognizes that “the player who looks least engaged may be the most committed member of the group,” and speaks to their passion rather than their cynicism. It creates possibility in an interaction and does away with power disparities to unite a team in its efforts. Or consider “Being the Board,” where instead of defining yourself as a playing piece, or even as the strategist, you see yourself as the framework for the entire game. In this scenario, assigning blame or gaining control becomes futile, while seeking to become an instrument for effective partnerships becomes possible.

Packed with such examples of personal and professional interactions, the book presents complex ideas on perception and recognition in a readable, useable style. The authors’ combined, eclectic experience in music and painting (as well as family therapy and executive workshops) infuses their examples with vibrant color and sound. The relevance to corporate situations and relationships is well developed, and they don’t rely on dry case studies to do it. Indeed, this book assumes the emotional intelligence and desire to engage of its reader, promising access to the rewards of that door-opening notion–possibility–in return. –S. Ketchum

If you are looking for a common-sense approach to personal finance and money management, then Personal Finance For Beginners In 30 Minutes, Vol. 1 is for you! In just a half-hour, you’ll pick up practical tips and even a few tricks that will help you control spending, reduce debt, and take a smarter approach to managing your financial resources.

Personal Finance For Beginners In 30 Minutes, Vol. 1 does not feature heavy-duty financial jargon or gimmicky “easy money” schemes. Instead, the guide uses common sense, easy-to-understand language, and lots of examples to show you how to cut expenses and save more money for the things that really matter in life. Topics include:

Aligning spending with priorities Income, assets, and equity Flexible vs. fixed expenses Limiting luxury spending and online shopping How to shave thousands off of telecommunications and utility bills Cutting car costs Refinancing explained Dealing with credit card debt Online banking and alternative payment systems Using software to track expenses and budgets

The ultimate goals of Personal Finance For Beginners In 30 Minutes, Vol. 1 are to help you understand your finances, cut costs, and make sensible decisions about spending which are aligned with your life priorities. Some of the tips can help you start saving hundreds or even thousands of dollars on everything from cable TV to credit cards.

Get control of your finances – and your future!

Do you feel like you’ll never pay off your student loans? Worried about your mounting credit card debt? Wondering when you’ll ever make enough money to stop living paycheck to paycheck? You’re not alone – millions of young Americans are finding it hard to save for the future and still pay today’s bills on time.

But with The Everything Personal Finance in Your 20s and 30s Book, 3rd Edition, you’ll learn how to be financially independent by:Creating a workable budgetMinimizing credit card and student loan debtInvesting money wiselyBuilding an emergency fund You’ll also learn how the Consumer Financial Protection Bureau can help you navigate the often-confusing world of financial service products. With this easy-to-use guide, you’ll learn how to manage, save, and invest wisely – starting today!

“How you think is everything.” This simple and true statement exemplifies how the product of our labors is first built by our minds. Everyday, we make several financial decisions, yet many of us practice little to no daily mindfulness of our money until there are cash crunches or other problems that must be addressed. This book is the tool you need to breakthrough and achieve consistent daily awareness of your money and your mindset towards money. Containing 365 personal finance affirmations–one for each day of the year–this book provides daily meditations to help you break through mental and habitual roadblocks, negative predispositions, and self-sabotaging beliefs that stand in the way of financial success. Each affirmation has been carefully designed based on extensive research into the personal finance and self achievement fields. The simplicity and elegance of each affirmation provides a tool to help you conquer the financial challenges in your life while supporting your long-term goals.