Archive for September, 2014

The Failure of Credit Card Companies

Sunday, September 28th, 2014 | Permalink

There is no easy way to live life when you are carrying the burden of debt on your shoulders. I know what it’s like to have enough debt that the phone calls never seem to stop and the stress of not being able to pay it back is overwhelming to the point of driving a person to depression. I felt like I was lost. I didn’t know what to do – I just wasn’t making enough to be able to pay it off in a timely fashion. I hadn’t even heard of debt consolidation until a friend of mine suggested it as an alternative.

I was concerned that I wouldn’t even be able to get approved for the consolidation but after speaking with an agent, I was surprised by how welcoming and eager they were for my business. I suppose it makes sense – they want their money, after all! It was far easier working through them as a third party than it had been working with the companies directly. They were often rude whenever I would call them, demanding money or claiming that I was actually hiding money from them and even going as far to say that my words were a lie.

It was absurd at best and obscene at worst. I couldn’t believe that the companies I owed money to would be so rude while the consolidation company was so nice and eager to work with me. If the original credit companies had been more willing and open to hearing me out, and even going as far to help me make some kind of payment plan, I would have been able to pay them back far more quickly! It’s ridiculous to think that they would call anyone a liar while trying to get money from that person.

The Optimal Amount of Time We Possess

Thursday, September 25th, 2014 | Permalink

Financial gain is something that my father always stressed. He taught me the value of my time investment and how much money I should make with that time. He taught me that there exists an optimal time frame in which a person will be able to make money and that I should strive to save enough to be able to retire within that allotted time that a person has. Everything from Forex trading to investments in precious resources, my father had his hands in nearly everything so he would be able to retire just as he said he would.

I was impressed. Even now knowing that he was able to accomplish that within the time that he had set for himself was impressive to say the least. (more…)