Recently Added Videos
To some people, making a deal for debt is like making a deal with the devil. For others, debt is a necessary evil that must be put to good use. In this video, we shall look at what debt is. Is it good or bad? You’ll learn everything you need to know about debt. Enjoy!
#debt #business #management
Try Audible and get a free Audiobook: https://amzn.to/3d2dVBd
Timestamp
(01:41) Is debt good or bad?
Types of debt
(03:33) Mortgages
(04:29) Business debt
(05:13) Corporate debt
Types of corporate debt
(05:23) Bonds
(06:12) Commercial paper
(06:46) Credit Card debt
(07:42) Car loan
(08:48) Personal loan
(09:31) Medical debt
Popular Videos:
How Debt Can Make Money
https://youtu.be/xIMz8LW6xMY
11 Lies you’ve been told about success
https://youtu.be/hhjaJTI7KgU
13 Signs you cannot trust someone
https://www.youtube.com/watch?v=TA89uwqJFbU
9 Steps to strategize Your life, Career and Business in 2021
https://www.youtube.com/watch?v=g_HwL_OTmHg
8 Powerful Lessons from The Art of War by Sun Tzu – https://www.youtube.com/watch?v=cWq4WI3ca_M&t=19s
5 Steps You Should Use To Get A Promotion – https://www.youtube.com/watch?v=atoXH6_kKhE
10 Legit Ways To Make Money And Passive Income Online – How To Make Money Online – https://www.youtube.com/watch?v=EAj0ZsYcHkQ
Build Unbreakable Self Discipline With These 5 Rules – https://www.youtube.com/watch?v=Ul0uQrFZNAs
References: https://bit.ly/2TWiSWp
Practical Wisdom – Interesting Ideas
DISCLAIMER: I’m not a financial adviser. These videos are for educational purposes only. No official financial advice is being given. Please always check with a professional before making any investments or financial decisions. Your investments are your sole responsibility, these videos merely share my own opinions with no guarantee of gain or losses.
– The Audible link is an affiliate link meaning if you make a purchase using the link, I will receive a small commission at no extra charge to the buyer.
Welcome to the second episode of Middle Billing, this is where we celebrate the best of the hood life. We celebrate those homeowners who have created and transformed their living spaces into sanctuaries.
Meet tonight’s homeowner, Shawn Saunders, born in Kensington, raised and schooled in Tafelsig. Shawn has a heart for serving his community and his mission is to show the youth that you can live a better life, beyond your circumstances. He is the managing director of a successful debt mediation company based in town center and after hours, besides for enjoying his beautiful home with friends and family, runs a non-profit organisation called PRO-JX (pr. PRO-JEX) a youth development initiative. .
Debt Review Clearance Certificate
Get your Debt Review Clearance Certificate today. Simply complete the below free online application for assessment and one of our professionals will contact you.
What is a Debt Review Clearance Certificate?
A debt review clearance certificate is also known as Form19 is a certificate that verifies that a consumer has satisfied all obligations under every credit agreement that was subject to a debt review court order or debt review repayment agreement. This certificate is evidence that you are debt-free and you have completed the debt review process.
The issuing of a clearance certificate as per section 71 of The National Credit Act (NCA 34 of 2005) signals the end of a successful debt review process. The effect is that even if the consumer has a long-term agreement that was subject to debt review such as a mortgage bond, they can obtain a clearance certificate after every other short-term credit agreement under debt review is paid in full.
In terms of the National Credit Act (NCA) 34 of 2005, the debt counsellor and not a court, must issue a clearance certificate.
This debt review clearance certificate can only be issued by a registered debt counsellor only if:
All the restructured accounts as per the court order or agreement are paid up in full.
There are no outstanding debt counselling fees.
Home Loan or your bond under the above agreement may be excluded. In other words, a clearance certificate can be issued if there is an outstanding balance on your home loan account.
What can you do with your debt review clearance certificate?
There is not much you can do. The National Debt Review Center will act under Section 21 of the National Credit Amendment Act. This Act requires your debt counsellor to present all paid-up letters with your clearance certificate to all bureaus. The National Credit Regulator requires The National Debt Review Center to present all paid-up letters with your clearance certificate to all registered credit bureaus.
This is to assure that the rearranged accounts get amended by the credit bureaus as paid up. The National Credit Amendment Act also requires all registered credit bureaus to remove the negative months in arrears from your credit profile.
What happens after the Credit Bureaus have received your Debt Review Clearance Certificate?
Once the bureaus receive your Clearance Certificate, they will remove the debt counselling flag off your profile. In addition to this they will remove all your default listings and judgements. The only record that will remain is your payment history. According to the Credit Act, your payment history will remain on your record for two years.
How long until I can apply for credit again after getting my Debt Review Clearance Certificate?
Many people think they can get credit straight away after receiving their clearance certificate.
This is not always possible.
In theory, you should be able to apply for credit again within a week of receiving your Clearance Certificate. But we have seen that the credit bureaus take longer than that to clear your record. We would suggest waiting three months before applying for new credit.
After the credit bureaus receive your Clearance Certificate each account in your Payment History should have a “Paid-Up” or “Closed” status. Since your Payment History remains on your credit report for 2 years your credit score will take some time to become good – as time passes your credit score will improve, and by six months it will be in a much better standing (but you don’t have to wait that long to apply for credit).
Pull your credit report about one month after receiving your Clearance Certificate. Check that everything is in order before applying for credit. If you see that the Debt Review listing still reflects on your credit profile contact the credit bureau immediately to rectify the listing.
Conclusion
A consumer under debt review can only be issued with a clearance certificate when:
When they either have paid up all their debts which were listed in the debt review court order or debt review repayment agreement.
When all their short term credit agreements listed in the debt review court order or debt review repayment agreement which is short term agreements may include a vehicle financing agreement have been paid in full and the consumer is only left with a mortgage loan that is not in arrears in terms of the debt review court order or debt review repayment agreement.
Read more
https://ndrc.org.za/debt-review-clearance-certificate/
http://cenkuslaw.com
Mediation is a type of alternative dispute resolution or ADR. You may also see arbitration stated as a form of alternative dispute resolution. Disputes are traditionally fought in court, but litigation is a rough process.
Arbitration is time-consuming, expensive and can end up looking a lot like arbitration.
Mediation is different from arbitration and litigation in that there is no deciding party like a judge or arbitrator. The benefit of mediation
is that it provides a chance for the disputing parties to settle their dispute in a much more cost-effective and efficient manner before jumping to more expensive means of dispute resolution mechanisms.
So, you should almost universally include mediation as a dispute resolution mechanism in your contracts. However, there are instances in which I would advise against including mediation provisions in your contracts and certain considerations to make if you decide to do so.
As always, ask me any questions that pop up after watching the video!
_____________________________________________
For a deeper dive into and other legal issues vital to the success of your deals and your business, visit me at:
http://www.cenkuslaw.com
Just starting up? Check this out for my advice on startup success: http://www.thestartupshepherd.com.
You can also reach me at:
https://www.linkedin.com/in/brettcenkus
https://twitter.com/BCenkus
http://www.cenkuslaw.com
http://www.cenkus.com
_______________________________________________
About me:
My 20+ years of experience in business finance, business law and entrepreneurship have led me to believe that numbers and logic are awesome tools, but understanding human nature and emotions is the first step to business success.
The Cenkus Law Firm provides services related to mergers & acquisitions, general business issues and startups, including founders’ agreements and fundraising. I also consult with entrepreneurs and have invested my own capital as an angel investor.
From 2010-2013 I served as Chief Legal Counsel of a publicly-trade international oilfield services company. From 2001 to 2006 me and a partner founded and built Paragon Residential Mortgage. Paragon was sold to Bridge Investments in 2006.
I hold a Juris Doctorate from Harvard Law School and a Bachelor of Arts degree in Economics from Messiah College in Grantham, Pennsylvania.
Now, I live in Austin, TX with my wife and two kids. I enjoy reading, running, classic movies, great food and wine and some great American football.
Result of Credit Provider Retail Finance Category at the 2020 Online Debt Review Awards Show.
For more info: www.debtreviewawards.co.za
If you’ve tried debt consolidation loans, pay day loans and don’t know where else to turn, call us, MNP, Licensed Insolvency Trustees and accredited Insolvency Counsellors.
MNP has been helping individuals find permanent debt solutions for over 40 years. Call MNP at 310-3328 for a free, confidential consultation. Or visit us online at https://mnpdebt.ca/en
Find out how the debt review process works and how it can help you to reach financial freedom!
Contact us for more information.
www.anncordebthelp.co.za
Tel: 012 942 9430
Cell: 082 406 3044
Email: info@anncordebthelp.co.za
I’m 30 Years Old and $80,000 In Debt!
Say goodbye to debt forever. Start Ramsey+ for free: https://bit.ly/3w15GxH
Visit the Dave Ramsey store today for resources to help you take control of your money! https://goo.gl/gEv6Tj
Did you miss the latest Ramsey Show episode? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch debt-free screams, Dave Rants, guest interviews, and more!
Want to watch FULL episodes of The Ramsey Show? Make sure to go to The Ramsey Show (Full Episodes) at: https://www.youtube.com/c/TheRamseyShowEpisodes?sub_confirmation=1
Check out the show at 4pm EST Monday-Friday or anytime on demand. Dave Ramsey and his co-hosts talking about money, careers, relationships, and how they impact your life. Tune in to The Ramsey Show and experience one of the most popular talk radio shows in the country!
Ramsey Network (Subscribe Now!)
• The Ramsey Show (Highlights):
https://www.youtube.com/c/TheRamseyShow?sub_confirmation=1
• The Ramsey Show (Full Episodes): https://www.youtube.com/c/TheRamseyShowEpisodes?sub_confirmation=1
• The Dr. John Delony Show: https://www.youtube.com/c/JohnDelony?sub_confirmation=1
• The Rachel Cruze Show: https://www.youtube.com/user/RachelCruze?sub_confirmation=1
• The Table with Anthony ONeal: https://www.youtube.com/user/aonealministries?sub_confirmation=1
• The Ken Coleman Show: https://www.youtube.com/c/TheKenColemanShow?sub_confirmation=1
• The Christy Wright Show: https://www.youtube.com/c/ChristyWright?sub_confirmation=1
• EntreLeadership: https://www.youtube.com/c/entreleadership?sub_confirmation=1
Click HERE to get our 4, best-guided meditations to attract money effortlessly for free! https://drattraction.com/4moneygm/
It will work with scientific accuracy!
P.S. Anything promoted here is free and 100% created by the owner of this YouTube Channel.
……………………………
? Voice Over made by Tim D J.; https://www.upwork.com/freelancers/~012b7cd4613255c419
……………………………
Be honest…
When you think about money, or creating more abundance in your life, how does it make you feel?
Does it make you feel happy and liberated?
Or, does it make you feel stressed and upset?
What many people don’t realize is that by thinking negative thoughts about wealth (thoughts like, “I don’t have enough” or even replaying past negative experiences with money), they’re actually repelling instead of attracting abundance.
Your initial reaction to our question about creating more money is actually what is running the show! This is your subconscious speaking.
Our outer world is simply a reflection of our inner thoughts and feelings, which is why it’s so important to have the tools to reprogram negative thoughts and feelings. Through subconscious reprogramming, like meditation and Mind Movies, you have the opportunity to create an abundant mindset so that you can live a fulfilling and prosperous life.
So is your body currently programmed to attract more abundance, or are you subconsciously sabotaging your financial success?
Do you want to step into a new mindset that will help you craft a new, abundant future?
By listening to this 25-minute guided meditation for wealth from world renowned wealth coach, Jean-Francois Fortin, you’ll learn to visualize and manifest your dreams.
This audio will help you relax, step back and visualize the abundance already in your life, but which might not feel within your reach yet. It will guide you into a relaxed state of mind and then take you on a guided journey into your future.
Remember — what you visualize, you ACTUALIZE.
……………………………
Jean-Francois recommends you listen to this every day for 30 days to really create shifts in your life. The more you use it, the better results you’ll see.
If you like what you’re hearing, get our full set of 4 AMAZING guided meditation tracks here: ??http://beforebed.net
……………………………
INSTRUCTIONS:
#1. FOCUS IS THE NAME OF THE GAME!
Find a quiet place where you could relax. Lay your body in a very comfortable position (I personally like to use a lounging recliner chair) and use headphones.
#2. “I AM” OR “I FEEL” AFFIRMATIONS
Each time and “I AM” or “I FEEL” affirmation is given, echo it in your mind. Do this even if it feels weird or wrong at first. With time it will feel like home!
#3. THIS IS A VISUALIZATION EXERCISE
You need to see those guided meditations as VISUALIZATION EXERCISE! So with each track, try to FEEL the action through at least one of your 5 senses (hear, see, smell, touch, and taste).
WATCH when you go to bed
ATTRACT more money
REPEAT the process
……………………………
©?Copyright:
ROYALTY-FREE MUSIC by BENSOUND
Music used with permission from https://www.bensound.com
Footage licensed through Videoblocks
For all my videos I have all licenses/permissions from copyright holders for commercial use.
……………………………
INTERACT WITH US ? https://www.facebook.com/BeforeBedvideos/
……………………………
If you struggle to relax and combat stress and anxiety, try “Nature Imagery Therapy”. This is quite effective and new!
You can VISIT OUR NEW YOUTUBE CHANNEL to check it out:
?https://youtu.be/Dgn9Z0CSTgU
……………………………
Click here to download this guided meditation PLUS 3 more! ??http://drattraction.com/
PS; anything promoted in this channel is free and 100% created by the owner of this YouTube Channel
Why are our Registered Debt Counsellors the best?
Because The National Debt Review Center understands the high degree to which our clients depend on us to do what’s right for them and we believe that we are legally and morally bound to keep their needs first.
“Lucinda – The National Debt Review Center is simply the best debt review company in South Africa. You do not just deal with anyone, you immediately get assigned to a qualified and registered debt counsellor who will deal with your case. Their working hours are very flexible – you get in touch with your debt counsellor even after hours. Excellent customer service. Transparent – you know exactly what you in for from day 1 You guys are doing an amazing job, Keep it up!!!!.”
The National Debt Review Center (NDRC) is an organization of skilled and registered Debt Counsellors, professionals dedicated to developing specialized financial plans and offering sound financial solutions based on each person’s unique needs and objectives.
The National Debt Review Center (NDRC) has built strong partnerships with The National Credit Regulator (NCR), The National Consumer Tribunal (NCT), The DCM Group and The National Payment Distribution Agency (NPDA). This ensures that the debt counselling process takes place quickly and efficiently.
The National Debt Review Center (NDRC) entire team will be at your disposal and will go the extra mile to look after your interests, whether it is protecting your assets, answering your questions or dealing with your credit providers.
From the point of completing your free, no-obligation debt assessment, The National Debt Review Center will treat all your personal information with the utmost of confidentiality and not only do we provide help where needed, we also provide self-help tools for consumers to use when assessing their financial situation so that where possible and through proper budgeting and lifestyle changes, they can rehabilitate themselves.
Benefits of Debt Counselling or Debt Review.
All of your debt repayments will be consolidated into one reduced monthly repayment plan.
Your assets, including your home and car, will be protected from repossession.
You will no longer get calls from your creditors demanding payment.
There is no permanent record of having undergone debt counselling.
There is only one monthly repayment to be made.
Your budget will meet your basic needs first before provision is made for debts.
You will never pay more money than you can reasonably afford.
A debt counsellor will suggest ways of cutting costs and saving money.
Gives you Peace of Mind that your debt is being paid.
Help You Live Comfortably with all living expenses covered.
Help You Reach Your Goal of settling the debt.
It helps you Change your financial spending behavior.
You do not pay any money upfront.
Get in Touch
Visit us for or use the contact details below for a free consultation.
Main Branch – 72 Edward Road, Bo Oakdale, Cape Town, 7530
Email – info@ndrc.org.za
Tell – 087 822 1249
Cell – 072 770 3674
Fax – 086 577 7221
Mon – Fri, 8:00-21:00
Saturday, 9:00-16:00
Sunday, 9:00-15:00
