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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Indogulf Cropsciences IPO Review 2025
In this video, we break down the complete analysis of Indogulf Cropsciences Limited IPO, including GMP trends, valuation, financials, debt analysis, and most importantly, whether you should apply for listing gain or long-term!

???? Topics Covered:
IPO Dates, Price Band & Lot Size

GMP Today & Listing Gain Possibility

Company Background & Business Model

Financials: Revenue, Profit, Cash Flow

Debt vs Profit Analysis

Valuation vs Industry Comparison

Risks Investors Must Know

Final Verdict: Apply or Avoid?

???? Watch till the end for our final conclusion based on GMP trends and past IPO patterns!

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Contact us – Click here for free advice

www.payplansolutions.co.za

If you’ve ever been caught in cash crunch you know how hard it can be to dig yourself out of trouble. Debts take over your life, bills pile up and then the phone starts to ring as collection agencies circle overhead. No one wants to be in this position, but there is a way out with the help of non-profit credit cousellors. They can really make a difference. They will teach you how to budget, provide basic credit counselling and talk you through your options in terms of negotiating with your creditors.

Basic services like counselling and debt management workshops are low cost—or in some cases no cost—and the money they can save you is more than worth your time. The hardest part is asking for help. Bruce Sellery walks you through the different services available and explains how they work.

Links to some non-profit credit counseling agencies

Credit Counselling Society — www.nomoredebts.org
Credit Canada — www.creditcanada.com
Consolidated Credit — www.consolidatedcredit.ca
Money Mentors — www.moneymentors.ca

Farm Debt Mediation in NSW — A few problems
by ALEX ELLIOTT on 05/05/2012 · LEAVE A COMMENT · in MEDIATION

The object of the NSW Farm Debt Mediation Act 1994 is to provide for the efficient and equitable resolution of farm debt disputes. Mediation is required before a bank or financial institution can take possession of the farm or other farm property.

Section 10 of the Act provides that once a farmer gives notification that mediation is required, the bank or financial institution cannot take any enforcement action unless a certificate is in force under section 11.

Section 11 of the Act stipulates that a certificate will be issued by the Authority (NSW Rural Assistance Authority), if the Authority is satisfied that a satisfactory mediation has taken place in respect of the farm debt involved.

Mediation is a structured process in which the mediator, who must be a neutral and independent person, assists the farmer and the bank or financial institution to reach an agreement. That agreement may mean the capitalisation of interest, the extension of repayments, additional advances or increasing an overdraft limit. It may also mean the sale of certain assets over time. There are many possible settlement outcomes available to the parties.

The High Court of Australia in its decision in Waller v Hargraves Secured Investments Limited [2012] HCA 4 has added a substantial complication to the mediation process and any possible settlement.

In August 2003, Hargraves Secured Investment Limited advanced $450,000 to Ms Waller under a loan agreement. The advance was secured by a mortgage over Ms Waller’s farm. She defaulted on the loan.

Mediation was held under the provisions of the Farm Debt Mediation Act 1994. The parties entered into terms of settlement under which there was a second loan agreement for $640,000. This enabled the first loan to be paid out, along with past and future interest.

Ms Waller defaulted on the second loan.

Hargraves Secured Investment Limited commenced action in court for possession of the farm and judgment against Ms Waller.

Ms Waller appealed to the High Court from a decision of the NSW Court Appeal. The argument which was accepted by the High Court was that the enforcement proceedings were not in relation to the farm debt the subject of the mediation. There was now a new and different debt, which was distinct from the first loan. Hargraves Secured Investment Limited had not complied with the Act because the mediation only dealt with the first loan, not the new one.

So it seems that even if a section 11 certificate has been obtained in respect of a farm mortgage, a bank or financial institution must be careful that the farm debt it relates to is the same and has not been discharged in anyway prior to enforcement action. If in doubt it seems that a new notice to the farmer may have to be given.

The High Court’s decision may discourage future lending to farmers because of the uncertainty surrounding this decision. The bank or financial institution may play it safe and only offer in mediation the option of refinancing with another institution, selling the asset or agreeing to surrender the asset to the bank or financial institution. Anything else may complicate future enforcement proceedings.

This is clearly not in the interests of the rural community and the Act needs to be amended as a matter of urgency. A full range of options should be available to comply with the spirit of the legislation.

Alex Elliott

I’m $546,000 In Debt!!
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The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!

Is there such thing as good debt? And how could something good cause so many issues? On top of this is there anyway that we could just run an economy without debt and would we be better off for doing so. Well it turns out we probably can, and in fact there are many economies around the world today that are developing rapidly while going without this system that we just assume is a given.

If we can critically explore these questions it will offer insight into how our modern financial system works, and why it means that despite our best efforts we are almost destined to go into a recession once every 10 years or so.

#debtcrisis #recession #economy

Patreon – https://www.patreon.com/EconomicsExplained

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Enquiries – loungejita@gmail.com

Money printer meme video – https://youtu.be/O1hCLBTD5RM

second channel for Q&A Streams – https://www.youtube.com/channel/UCOTgNyfQG4vVP5sCXrJaS4g?view_as=subscriber

References –

Harris, M. and Raviv, A., 1990. Capital structure and the informational role of debt. The Journal of Finance

Chava, S. and Roberts, M.R., 2008. How does financing impact investment? The role of debt covenants. The journal of finance

Holmstrom, B., 2015. Understanding the role of debt in the financial system.

Frost, C.A. and Bernard, V.L., 1989. The role of debt covenants in assessing the economic consequences of limiting capitalization of exploration costs. Accounting Review

Ariff, M., 1988. lsIamic banking. Asian?Pacific Economic Literature

Articles –

https://www.theguardian.com/business/2019/jan/05/global-economic-crash-2020-understand-why

https://www.washingtonpost.com/

https://www.theguardian.com/business/2019/dec/29/its-more-than-a-decade-since-the-financial-crisis-wheres-the-recovery

Graham’s Video – https://www.youtube.com/watch?v=Uw3EhsmLe08&t=1385s

In June I had over $11,500 in credit card debt. I was inspired by Aja Dang to become completely DEBT FREE. Since June I have paid over $3,000 off of my credit card debt but I still owe about $10,500 as of August 6th. I am using Dave Ramsey’s BABY STEP method from the Total Money Makeover in order to pay off all my credit card debt. Dave Ramsey suggests to use the snowball method to pay down your debts, therefore, that is the strategy I am using to tackle my debt. Feel free to follow me along my debt free journey! Anyone else currently trying to achieve financial freedom? I know I am.

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FTC DISCLAIMER: This video is not sponsored. Some of the links are affiliate links and I receive a small percentage as a commission if you order anything through those links. You will not be charged extra, it just helps support the channel. If you decide to use the link or code thank you for supporting the channel it is greatly appreciated.
#DebtFreeJourney #DaveRamsey #CreditCards

In this video Revolved Realty Managing Partner covers the differences between Credit Repair and Debt Consolidation, and how each can affect your ability to get a home mortgage…. ? ??
? Your credit score — or FICO — is how banks, mortgage companies, and other lenders judge your credit worthiness.
? The higher your FICO score, the easier it is to get credit and the better terms you command. The lower your score… well… you know…
? If your credit score is low there are things you can do to improve it. It may take some time, but the best time to start is today. ??

This video is sponsored by The Mortgage Firm and Jacob Title.

This video brought to you by REVOLVED REALTY GROUP OF NORTH ALABAMA

Serving Huntsville, Madison, Decatur, and Athens Alabama.

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http://defensebaseactlaw.com/successful-mediation/ (Maitland, Florida) (Cocoa Beach, Florida) Garfinkel Schwartz is a Defense Base Act Law and Longshore Act Law firm that helps injured and sick civilian contractors and longshoremen to regain denied medical care and benefits.

Defense Base Act law and Longshore Act law is federal law. Garfinkel Schwartz tries and handles cases around the U.S. for clients around the world. There are no boundaries. If you need help and want to talk, we’ll find a way. Whether you mail a letter, send an e-mail or do a FaceTime, Skype, Video Conference, Whats App or Facebook chat or Google Hangout…we’ll find a way to communicate with you.

It’s not easy to fight your employer or your insurer on your own. The insurance companies have the best attorneys available so you should lawyer up. Talk with a couple attorneys to find someone you trust and who agrees to fight for your case.

Insurers can cancel benefits or medical care without warning. It’s your right to choose your attorney, your doctors and the DBA Act or Longshore Act covers it if you have a case. Do you have a case? If you’re hurt and sick, can’t heal and recover you have to find out because the rights are clear under the DBA.

Get help from an experienced Defense Base Act Law and Longshore Act Law lawyer. Interview lawyers until you’re confident and comfortable with your representation. Your case may continue, your care may continue for a long time.

It doesn’t matter where you live because Garfinkel Schwartz will travel to you. Brian flies to any state or country you live in.

Questions? Call attorney Brian Wiklendt 24 hours a day 1-800-393-2999. You may get a return call after hours, weekends…as soon as Brian is able or 30-year paralegal Doreen Cabral may call.

Give return calls a brief amount of time as travel, meetings, court dates happen all the time. But as soon as there’s a break, Doreen or Brian ALWAYS call back. That’s a Garfinkel Schwartz law firm promise.

We will get back to you as soon as we can. Garfinkel Schwartz is committed to helping one family, one person at a time. We’re based in (Maitland, Florida) and (Cocoa Beach, Florida) but work with clients everywhere because Longshore and DBA is federal law.