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Subject: AMERICA'S DEBT

Author:
COLLECTOR
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Date Posted: 17:30:27 07/07/05 Thu

Hello,

I received this in email. I thought to share it for others benefit :

JUST AS A STICH IN TIME SAVES NINE, SAME WAY, YOU SHOULD ENLIGHTEN YOURSELVES AND TELL ALL YOU KNOW ABOUT THESE MATTERS IN THESE LINKS :

Here is everything you wanted to know about USA, a country that is cowardly and incompetent on its own, a country that cannot withstand any tit for tat given to it, a country that is incapable of living up to the concept of 'do unto others as you would have others do unto you', a country that is a bloody blotch on the statue of liberty that it hosts and boasts about.

VISIT :

WATCHING AMERICA

However, if you find that even this web site becomes closed sooner or later, here is a long list of web site links that you may use to educate yourselves on matters that cowards do not want you to get educated about bravely.

Here goes :

http://inspectamerica.freeservers.com
http://www.grailnet.org
http://www.truthout.org
http://www.globalissues.org
http://www.foodfirst.org
http://www.humanrights.org
http://creditratingofamerica.blogspot.com
http://www.yesmagazine.org
http://www.globalissues.org/TradeRelated/Poverty/FoodDumping/Intro.asp
http://commondreams.org/
http://www.counterpunch.org/sale02222005.html
http://www.humiliateamerica.com/hegmony.htm
http://gamre.blogspot.com
http://www.globalresearch.ca
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http://www.military.com/NewContent/0,13190,122704_SubstanceAbuse,00.html?ESRC=dod.nl
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http://www.amnestyusa.org/racial_profiling/index.do
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http://www.newint.org/issue198/exporting.htm
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THANK YOU FOR YOUR TIME TO ATTAIN ENLIGHTENMENT THROUGH THESE LINKS AND ALSO TO ENLIGHTEN ALL YOU KNOW THROUGH THESE LINKS.

HAVE A NICE DAY.

[ Post a Reply to This Message ]

Subject: Debt Help

Author:
Debt Consolidator
[ Edit | View ]

Date Posted: 00:30:16 07/07/05 Thu

Debt Help is the stepping stone to debt elimination and financial recovery. Debt help analysis guides you to save thousands of dollars in interest charges. Consolidation of your credit card debts and other unsecured bills will allow you to get out of debt as quickly as possible, save money on interest and late fees, stop creditor harassment, save your good credit rating or begin immediately to repair bad credit or negatives on your credit report.

In a recent survey it was reported that almost 58% clients vouched for Debt Management Plan as the best way to settle their debts. Another 42% client had filed bankruptcy since dropping off a Debt Management Plan or DMP.

Debt Management plans can reduce your monthly payments, interest charges, penalties and some times even the repayment period. Even if bankruptcy seems like your only solution, it may not be the right debt help solution and may cost you for many years to come. The loss of a job, divorce, credit card spending and family medical emergencies among other life style matters can cause negative money issues. Statistics released by the administrative office of U.S. Courts show that a total of 388,864 new non-business bankruptcy filing in the United States during the quarter, ended on September 30, 2004. This included 274,196 chapter 7 filings and 114,454 chapter 13 filings.

Most economists consider a ratio of unsecured debt to annual income of 40-50% percent or more, as being a strong indicator to bankruptcy. This is taken as a ��thumb rule� in most of the cases. So in order to protect himself from such crisis one should keep his unsecured debt to annual income ratio lower than 40 to 50%. For example if someone has an annual income of $5000, he should keep his annual debt minimum $2000 to $2500 in order to avoid his bankruptcy.

36% or less: This is a healthy debt load to carry for most people.
37%-42%: Not bad, but starts to restructure your debt now before you get into real trouble.
43%-49%: Financial difficulties are likely to occur unless you take immediate action.
50% or more: Get professional help from debt counselor to aggressively reduce debt.

You should also control from having a large amount of unpaid outstanding credit or using more than 80% of your available credit (which causes a high debt to income ratio).

It is better to have a debt free life without having a savings rather than maintaining debts along with savings. The reason is simple. As the return on short term investment i.e. savings is lower than the interest payable on accumulated debt, it is always advisable to pay the debt first rather than go for the short term investment. Because a repayment of single debt instantaneously may save a lot of money in future. In other word, One dollar payment is better than one dollar saving.

From the Consumer Debt so published by Federal Reserve Statistical Release, it is found that each and every year total consumer debt (both revolving and non-revolving) has an increasing trend. In 2000 and 2001, total consumer debt has a rising trend by 11.42% and 8.04% with respect to the year 1999.

However, in 2002 and 2003, total consumer debt increased to 4.45% and 4.52% respectively, at a decreasing rate with respect to just previous year�s total consumer debt. As there is no specific trend in total consumer debt we may conclude that in 2005 also, the total consumer debt will have an increasing trend of 4.49% which signifies that at the end of 2005 total consumer debt will reach about $2109.85 Billion.

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Subject: Debt management forum

Author:
debter
[ Edit | View ]

Date Posted: 16:40:12 07/04/05 Mon

Debt Management allows you to make a single monthly payment that is distributed to your creditors. Debt management eliminates the need to make individual payments to each creditor. Many of the creditors who participate in the debt management program will allow you to reduce your monthly payment and, after you establish a payment history, will reduce or eliminate interest and late charges. Debt Management will help you to adjust your monthly expenses and formulate a monthly debt management budget. All of your unsecured debts can be paid from automatic deductions from your checking or savings accounts on the day that you choose. Debt Management may have a positive effect on your credit rating.

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