One Schmoe took on a secret mission to see “The Debt”, the new thriller from John Madden. Would this cast help ease Ellis into the fall season? Or would he already miss superheroes running around in tights?? Enjoy!

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**READ HERE**
Teanna, 21, From Bronx, Ny & College in Washington, DC

Remember! PRACTICE, PRACTICE, PRACTICE
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As I’m closing out my 2018 Year in Review, I wanted to take a look at home much money I put to debt this entire year. I went through each of my current debts from 2018 (4 in total: 1 credit card, 2 student loans and 1 car loan) and looked at how much I paid. These payments are both principal and interest, but it’s crazy how much I did this year and how much room for improvement I still have on my debt free journey. What are you doing in 2019 to tighten your budget to hit your financial goals?

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U.S. companies now face the highest levels of debt on record — more than $10.5 trillion, according to the Federal Reserve and the Securities Industry and Financial Markets Association, or SIFMA.

The coronavirus pandemic is only part of the story.

The corporate debt market is where companies go to borrow cash. And for over a decade, super-low interest rates left over from the 2008 financial crisis have made borrowing easier and easier. Since then, U.S. companies have regularly offered up bonds for sale, taking advantage of the cheap access to cash.

Sometimes companies can get reckless with debt, and this can result in bonds facing downgrades and low ratings, putting those companies at junk bond status. Overborrowing can result in companies becoming “fallen angels” or “zombie” companies.

Between rising interest rates and inflation concerns, Wall Street is watching the bond market closely and checking the pulse of the U.S. economy.

Here’s how the corporate bond market got to these “bubble” levels and just how risky this massive amount of debt may be to the U.S. economy.

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Behind The Corporate Bond Market’s $10.5 Trillion Debt ‘Bubble’

ACCC got Patricia’s Credit Score up from 515 to 715!

A friend told Patricia about American Consumer Credit Counseling (ACCC) and she gave them a call. Within 24 hours, she was talking to an ACCC financially certified Credit Counselor for a FREE CONSULTATION.

Her ACCC Credit Counselor spent hours with her over the phone. They looked over every bill, piece of debt, what she owned, and what exactly she was making. From that, they created a brand-new budget, and a plan to becoming DEBT-FREE. The next step? She signed up for ACCC’s Debt Management Program (DMP)

In the DMP, ACCC got her creditors to drastically lower her credit card interest rates, consolidate all of her debt into one lump sum, and set up a reasonable payment plan that she could afford. Not only was she crushing $18k of debt, but her Credit Card Score went up 200 points. She made it happen and all she had to do was call ACCC.

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A major investment has been made to improve the financial health and literacy of vulnerable Barbadian families.

The Barbados Public Workers Co-op Credit Union Limited presented sponsorship of $12,000 to the Ministry of People Empowerment and Elder Affairs’ One Family Programme.

The funds will directly support the delivery of comprehensive financial counselling and management sessions to eligible families under the One Family Programme.

Starting from June, the credit union’s trained financial wellness partners will work with the target families, covering topics including budgeting, saving, debt management, and setting achievable financial goals.

Minister of People Empowerment and Elder Affairs, Kirk Humphrey, says the programme welcomes the credit union as a partner in the ongoing effort to promote financial literacy and empower at-risk Barbadian families with essential money management skills.

Meanwhile, the credit union’s Chief Marketing and Customer Experience Officer, Gail Niles-Best, says the sponsorship forms part of the company’s long-standing commitment to strengthening communities through education and financial empowerment.

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ARE YOU READY FOR TRANSFORMATION OF YOUR LIFE ? LOOK NO FURTHER !

DHYAAANGURU is a Humanitarian, Philanthropist, Mentor, Motivator, Doctor and a Spiritual Guide who has helped thousands over the years with Lectures and workshops on Self-Development, Meditation and Mantras.
The healing mantras by Dhyaanguru are not just to provide spiritual benefits, but also to manifest in psycho-physiological healing. They work at the core level of the human system, DNA. The vibrations and frequencies of these powerful mantras have shown tremendous healing properties. Thousands of people have shared their success stories on Youtube.
Let us join together to heal our Mind, Body and Soul with Dhyaanguru !

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KARMA SHANTI MANTRA !
GET RID OF YOUR BAD KARMAS !
DO GOOD AND GOOD & GOD WILL HAPPEN TO YOU !!
Listen to this mantra daily for atleast 40 days and see the Magic !
Please use Headphones for Divine Healing.

Mantra: OM MAHADEVA PARMATMA KARMATMA SHANTI !

Meaning: Lord Shiva(Mahadeva) is the destroyer of evil. We pray to you Lord Mahadeva, you are the purest Soul, please cleanse our soul with good Karmas and destroy the evil ones.
Karma is the fruit that comes from the seeds we sow. If the seeds are good, we get good fruit.One seed will make a whole tree full of fruits. If the seeds are bad, we get weeds instead. And weeds spread fast damaging the whole garden. If you have done bad karmas in life, you need to chant this mantra to clean the garden of weeds to make space for new seeds to be put in for good fruits. You will see good happening to in your life soon after you start this Mantra.

Can you change your karma? Yes. You cannot stop karma but you can change the direction of your karma. Anything you did in your past can be “undone” by doing good now. You have reaped what you sowed. You created your own destiny, now you can recreate it.

A clear conscience cannot be bought from a moment of regret or shame. If you want forgiveness for your actions you must first take responsibility for them.

Regret is the starting point. Feeling bad about what you did sends a signal to the universe. You must really mean what you say. It’s about learning through compassion. That comes from very carefully imagining how others feel. You are saying that you understand your past actions were wrong. You have awareness. This is the beginning. You have started to undo what you did.

Sometimes, you have to experience what you have done to others. No matter how bad you have been, you can always begin again. You can only erase bad karma with regret, then practicing kindness and love. There is no other way.

If you ever harmed anyone, ask them for forgiveness. Their forgiveness will dissolve any bad karma and turn it into good karma.

The effects of karma are sometimes immediate and in other cases there is a delay. There will always be an effect, no matter how long the delay. The consequences of your actions good or bad may even follow you into the next life.

Do not think a small sin will not return in your future lives.
Just as falling drops of water will fill a large container,
The little sins that steadfast accumulate will completely overwhelm you.

Do not think a small virtue will not return in your future lives.
Just as falling drops of water will fill a large container,
The little virtues that steadfast accumulate will completely overwhelm you.

— The Buddha —