Archive for February, 2009
February 28, 2009 at 10:30 am · Filed under Cash + Credit + More
If you’ve ever earned enough money to put some aside, like most people you’ve probably invested it with an eye toward security - since, perhaps, you can’t imagine yourself ever getting rich.
“Most people dream of becoming rich, but it isn’t their first choice,” Rich Dad said. That’s because the effort to make money and uncertainty of becoming rich disturbs them and they seek refuge in the easier goals of security or comfort.
People who make security and comfort their first and second choices are often seeking a single ‘hot investment tip’ to make money - a simple, risk-free way of getting rich quick. Some people do get rich on one lucky investment, but all too frequently the money they amass is later lost. by Rich Dad, Poor Dad by Robert T.Kiyosaki
Robert T. Kiyosaki’s demonstrates through variety of products(games, books and audio products) how ordinary people can enrich themselves with the necessary skills to make money, attain financial freedom and master individual financial opportunities open to us through opening business, investments, Real Estate investments and Various financial instruments..
The E-Game(cashflow) 101 and 202 and cashflow for kids are the essential games from Rich Dad, Poor Dad, which I would rather refer to as investment/financial educational tools, are very valuable. It is the only educational tool that combines investing/money making ideas and also improving ones understanding on cashflow principles (money going “in” and money going “out”) at the same time. There are also books on business and real estate investments etc and audio CDs/DVDs on various investments, turning bad debts into good debts, real estate riches and retiring young.
Joseph Akintaju is the editor of http://www.jpservicez-smart-bargain-shopping.com and http://www.1-realestatelistings.com
February 28, 2009 at 9:29 am · Filed under Cash + Credit + More
Credit card debt elimination can be done with a good plan and a little patience.
The important thing is to find what works best for you and stick to your plan. The rewards are well worth it and you’ll save yourself a lot of money in the process.
You can choose to either start paying off the credit card with the highest interest rate first or you can get rid of the credit cards with the smallest balance first. The important thing is to know exactly how you are going to approach your credit card debt elimination before you begin.
First, set a realistic budget for yourself to lower your spending in all areas and stick to it. Living by your budget will help you pool your available cash for your credit card debt elimination plan.
The most important you must do immediately is eliminate your credit card spending. You can never succeed with credit card debt elimination if you continue to add to the outstanding balance. The interest on that debt added with a climbing balance will make credit card debt elimination impossible.
It’s important to pay your credit card bills on time and always pay more than the minimum payment on the bills you want paid off first. Paying the minimum payment doesn’t eliminate that high credit card interest rate. That’s exactly what the credit card companies want because they are making a killing off of that interest.
If you are concentrating your bill paying efforts on one bill at a time, then you should still pay at least the minimum on the others. Once each bill is paid redirect your resources to the next bill so your credit card debt elimination can become a reality.
A tip that some have been successful with is contacting creditors to ask for a lower interest rate. Even if most creditors say no what if some of them say yes? The interest savings to you will multiply your credit card debt elimination efforts and save you money. It’s worth a few phone calls and your time to try this.
One last tip is, if you choose to close your credit card accounts, do not close them until after the bill has been paid. Some credit card companies often will penalize you by raising interest rates if you close an account that carries an outstanding balance.
The most important thing to remember is to begin your plan right now. Think of how you will feel when you are finally free of high credit card interest. The sooner you start, the sooner your ultimate goal of credit card debt elimination can be accomplished.
This article is supplied by http://www.credit-repair-facts.com where you will find credit information, debt elimination programs and informative facts that give you the knowledge to correct your own credit and credit report. For more credit related articles go to: http://www.credit-repair-facts.com/articles_1.html
February 27, 2009 at 7:43 am · Filed under Uncategorized
One of my long time best friends called me the other night with a horrible pain in her heart. She needed someone to talk to. Rumor had it her daughter might be suicidal and she was trapped on a business trip until the next evening. Her husband was home handling the situation, but she wasn’t going to be okay until she could hold her daughter close. She needed to look deep into her daughter’s eyes to get a ‘read’ on what was really going on inside her mind. Until she could really sit down and talk to her daughter, she could at least pick my brain as to what to do. We talked a bit about when we were seventeen, and I tried to commit suicide. Now, all these years later, what could I say to my friend or to her daughter to make it all better?
I grew up in a very dysfunctional home and had no reason to believe that I was loved or had any sort of an emotional support system. That’s not what threw me over the edge although looking back I think it set the stage by insuring a very low self esteem when entering high school. I wanted to die because I was in love with two boys who were best friends and I knew I’d never be able to choose between them. It was more than I could bear. I wanted to escape the pain of dating one and longing for the other. Both were amazing wonderful souls.
I had met one when we were fifteen and we’d fallen instantly into a wonderful relationship. He was my first true love. He was struggling with his mother’s new husband and became very distant and moody. In my insecurity, I assumed he wasn’t interested in me anymore. To test my theory, I scribbled out a heart he’d drawn on his notebook with our names in it. He took it to mean that I was dumping him and seemed at peace with the idea. I was too hurt and insecure to admit that I was just testing him and didn’t really want to break up. He was too hurt and insecure to stop me. Neither of us knew how to speak openly from our hearts. He occasionally asked me out on dates after that. I would think we were about to get back together and then he’d be gone again. He had moved to a nearby town to live with his dad and stepmother. He gave me the telephone number of his best friend to call if I ever needed to reach him.
One night after a year of him dropping in and out of my life and stealing my heart every time, I finally called his friend to find out when he’d be back in town and more importantly, would he ever get back together with me? According to his best friend, the love of my life thought I was a slut even though I was still a virgin and he had no intentions of getting back together with me. However, his best friend was there to pick up the pieces of my broken heart. The best friend was every bit as wonderful and amazing as the first, but in his own unique different ways. We really loved each other. We were sixteen and planning to get married when we turned twenty.
Since they were best friends, my ex would drop in on us to visit and hang out. It was extremely difficult for me to see him during those visits. My head said I should hate him, but my heart still danced a jig every time he walked in the room. My ex and I ended up having a long talk one night. He confessed that he really did say that I was a slut, but that he regretted it and never really felt that way about me. It was just stupid sixteen-year-old boy emotions tied up with our past together He thought I was better off dating his best friend and gave his blessing. It killed me. I was still in love with him and he was telling me to stay with his best friend. His best friend was the sweetest kindest boy I’d ever dated. Neither of us would ever dream of hurting such a beautiful soul. I couldn’t tell either of them that I was in love with both and for months I slowly went insane unable to speak openly with either, terrified they’d both reject me.
Eventually, I snapped and couldn’t bare the pain of wanting one and the guilt of never wanting to hurt the other. I suspect that it’s some kind of a primitive fight or flight mechanism that gets triggered when we become bombarded by negative emotions. When we feel that the situation is hopeless and we have no way of changing the dynamic, then we can’t fight it. So, we need to flee and suicide is the ultimate form of taking flight. It’s really hard during that time to stop and logically realize that emotions are ever changing and as such they don’t have to be fought nor avoided. You just have to wait them out and make positive choices and changes to promote the shift in dynamics that are creating the overwhelming emotions we want to run from. At seventeen, I couldn’t see that.
I also think that if a teenager doesn’t believe that anyone will cry for them when they’re gone, then suicide becomes a very real consideration. Years later when I had two toddlers and my life was a mess, I found myself wanting to escape from life’s pain again. It was completely different that time. I knew that my two children would be heart broken and psychologically screwed up for life if I committed suicide. As a single mom, I was their only sense of security. I was their whole world. I could get depressed enough to want to run away from my problems, but I could never seriously consider suicide like I had in high school. Someone needed me and would be destroyed if I left. Perhaps that’s where the answer to teen suicide lies. Does the teenager believe that someone else’s life will become unbearable if they die?
Almost two years ago, my son came to me in tears and told me that he was suicidal. The idea of life without my child was, more than I could bear. I knew first hand what it feels like to be in so much pain that you just want to die. To imagine my own child feeling that way was worse than anything I’ve ever endured. We talked a long time about the things that had destroyed his will to live. We talked a lot about the ‘feeling’ of being suicidal.
We talked mostly about how it’s bad enough to have someone you love die unexpectedly in a car wreck or from Cancer or something. It’s an entirely different thing to lose them because they chose to leave. I told him to imagine how he would feel if I committed suicide. The pain he felt just imagining it brought him close to tears. He said he couldn’t bear it if I did that to him. I told him with tears in my own eyes that I felt the same way. My daughter joined in and in tears she put aside all of their sibling rivalries and poured out her heart regarding how incredibly painful it would be for her if he ever died. We were very close in those next few weeks as we worked together to make a lot of changes in his world and in his outlook. He’s doing wonderfully now. He is very happy in a new school, with a girlfriend that is the love of his life, and he’s found his old zest for life’s adventures again.
So, I guess my advice is this…. Tell her what her death would mean to you. Does she really know in her heart of hearts how much you love her? Don’t assume anything. Yeah, you have to take her in to some kind of a therapist. But, whatever you do, don’t make her feel like some kind of a screwed up nut. And don’t ignore this. Even if she’s just talking about suicide to get attention, find out why. She may be testing the waters, looking to see if anyone would even care.
There’s nothing more depressing than finding out that nobody would care if you dropped dead tomorrow. Find a way to make her see that emotions are temporary and that together you can fix anything that life throws at you. Does she know you’re in her corner? Help her change her life. Find out what it is she’s struggling with and coach her, guide her, help her to create positive changes. Teach her how to overcome the pain rather than to succumb to it.
Copyright 2004, Skye Thomas, Tomorrow’s Edge
About The Author
Skye Thomas began writing books and articles with an everyday practical approach to life in 1999 after twenty years of studying spirituality, metaphysics, astrology, personal growth, motivation, and parenting. After years of high heels and business clothes, she is currently enjoying working from home in her pajamas. Go to www.TomorrowsEdge.net to read more of her articles and to get a free preview of one of her books.
February 26, 2009 at 10:44 pm · Filed under Cash + Credit + More
Educating yourself about the ins and outs of debt negotiation is a good first step. Please note that the term ‘debt negotiation’ is also known as debt arbitration or debt settlement.
For starters, a lender has little motivation to arbitrate anything less than the full amount unless the person is two to three months behind in payment.
To answer your question is debt negotiation bad? You need view it as a last-resort measure. The truth of the matter is it’s one step away from declaring bankruptcy.
Remember, your lender gave you the money or property in good faith. He or she has every right to expect that the loan be repaid in full. Morally, you should do everything that is within your power to pay your debt(s).
However, this is not always possible and despite how much you would like to repay the loan in full you just can’t - not now and not in the foreseeable future. This is where debt negotiation comes into play. It may be your only logical course of action.
And, in the case of an old debt that you’ve long since forgotten about, debt negotiation would be the best way of dealing with it. There’s no point in keeping a small blemish on report when a little negotiation can easily turn things around.
But if you find yourself overwhelmed with your current debt load, credit counselling should instead be your first action step. A credit counsellor will give you some tools and suggestions for reducing your payments.
Debt consolidation may be more appropriate. A credit counsellor will walk you through the debt consolidation process. In a nutshell, it means creating a whole new loan for a longer period of time. This would hopefully lower your payments enough so you can get back on track.
Please know however, that debt consolidation can be nothing more than a way of putting off the evitable. It really does little to correct the problem. That’s why many people come back to debt negotiation as a way of getting out of their financial problems and starting fresh start.
If you’re determined to pay of your debt(s) and turn over a new ‘financial’ leaf you may wish to contact your creditors yourself. By doing so, you may be able to negotiate a lower interest rate or a more realistic repayment plan. This is known as self arbitration.
So, is debt negotiation bad if you really need it? The bottom line answer is no. When your debt is very delinquent, negotiation is often in your best interest. If this is the case, now is the time to either consider self arbitration or seek out the help of a debt negotiation company.
Although a debt negotiation program will lower your credit score for as long a you’re in the program, you’ll also find that most debt negotiation companies require the creditor to make sure that the final credit report reflects the account is now paid in full. Therefore, once your account is settled you will no longer have a negative report.
A number of debt negotiation companies also include a credit repair service as part of their debt negotiation program. This repair service removes any negative items caused by the program. Although it is part of the program there are additional fees associated with this service.
Is debt negotiation bad? Ultimately, you’re the best person to judge whether debt negotiation is right for you or if it’s in your best interest to consider another alternative such as debt consolidation.
This is where negotiation and your question, “Is debt negotiation bad?” comes in. Debt negotiation is bad in that it means the complete destruction of your credit history.
Paul Jesse is a retired government employee and author of numerous home business and financial articles.
http://www.sheamarketing.com/student-loan-debt-consolidaion
February 25, 2009 at 7:09 pm · Filed under Health + More, Hints, It's The Law
Alot of people who had durom failure applied in their hip replacement surgical operations are witnessing that there are negative ramifications that far exceed the normal expectations for recuperation. These poor people are feeling a lot of uncalled-for anguish for longer time periods, facing revision operations and elevated medical costs, and losing income by not being able to work at their official businesses. Although Zimmer Holdings, Inc. is laying claim that that their hip replacement implant in no way malfunctioning and not to be held accountable for the faulth cup hip implants, many patients are filing lawsuits against them and receiving settlements.
These hurt poor people definitely deserve some assistance and restitution which is the reason product liability lawyers are supporting them by telling them to start the filing of lawsuits. zimmer defective hip has been paying some of these claims, too. All The Same, even if the money they are being offered sounds like a fair amount, in numerous cases unfortunate people are settling too quickly and with no clause being made for repeat issues if they happen down the road. Without waiting to find out what cases are actually going to be worth, people could find themselves ending up paying alot more money out of pocket when further complications return.
For anyone who thinks they do have a claim against Zimmer may consider checking into it. If you think you could qualify, you should probably call a lawyer to be certain. Look for a firm that covers nationwide and specializes in litigation against irregular medical devices. This law firm has taken out all the risks and has setup a special division to do due diligence and handle the claims against Zimmer and obtain nice sized settlements for their customers.
If your orthopedic Dr. breaks the news that will have to have a revision surgery to repair your Zimmer Durom hip replacement device, call an attorney immediately.
Once your attorney tells you that you have a case, be prepared to stick it out for awhile in order to get the very best settlement that you could possible get. Heed the good advice that your lawyer offers you and dont demand speedy restitution. This is the time to be patient and ensure the largest amount of money available to you.
February 23, 2009 at 8:01 am · Filed under Uncategorized
“…beauty on your earth is a shadow of the beauty of our heaven, and it’s a bitter thing to have a blindness for beauty on earth, for it makes a longer teaching to see the beauties of heaven.” Spoken by an Irish spirit in the book The Boy who Saw True (anonymous author).
I have been counseling individuals, couples, families and business partners for the last 35 years, and am the author of eight published books. Since my work is spiritually based, I have developed many ways of helping people open their hearts to love. Opening to beauty is one of those ways.
I have always appreciated beauty. Since I’ve been a small child, I’ve collect beautiful things - shells, rocks, wood, as well as works of art, and there are always lots of plants around. There is nowhere in my environment where there is not something beautiful to look at, both inside and outside in nature. When I walk through my home and the land around it, my heart fills with awe and love as I appreciate the beauty around me. I’ve done this so automatically throughout my life that it never occurred to me that many people do not open to beauty nor create beauty around them.
In working with some of my clients struggling to keep their heart open, I’ve mentioned focusing on an object of beauty, and have been surprised to find that many of them have no beauty around them - no plants, flowers, works of art or objects of nature. When they look around they see walls, appliances, computers and other buildings. Their left brain functions just fine in this environment, but what about the right - the creative, intuitive, spiritually-connected aspect?
I want to encourage everyone who reads this to consider feeding your soul with beauty. There is nothing like awe and gratitude for something beautiful to open the heart to gratitude in general. If you can love the intricate design in the bark of a tree, or the vibrancy of a flower, or the balance of a beautifully thrown piece of pottery - that might lead you into loving and appreciating the beauty of you and your own soul. It might open you to feeling gratitude for your life and the sacred privilege of experiencing your journey on this planet.
How much of your thinking time is spent being upset or unhappy about something? What if all that time was spent in gratitude for what you have and for the beauty around you? What if you were present enough in this moment to revel in the fact that you can turn on a faucet and have hot water come out? That you have food to eat and a bed to sleep on? If you are reading this, it is likely that you have a computer, which means you have more than most of the people on this planet.
Try this little experiment: find something of beauty - it can be as simple as a leaf, a flower, a photograph, a small work of art or the top of a tree out your window. Now let yourself completely open to the thing of beauty. Let yourself feel the beauty in your body - in your heart, your solar plexus, in your stomach, arms and legs, in your forehead. Let the beauty enliven your body and fill it with vitality. Breathe in the beauty and feel your body’s reaction to it. Open to gratitude, thanking God for this experience of beauty.
Notice the peace and joy it gives you to be in this moment with this simple object of beauty. What would life be like if you spent more moments like this, in the present with beauty and with all you have? How much of your waking time is spent in this way?
Beauty and gratitude are soul foods. When you choose to open to them, you extend an invitation to love, peace and joy. This raises your frequency and opens the door to your spiritual Guidance. Your Guidance is always here for you, helping you on your soul’s journey. Opening to beauty and gratitude, with a deep intent to learn about what is loving to you and others, will open you to your spiritual Guidance.
About The Author
Margaret Paul, Ph.D. is the best-selling author and co-author of eight books, including “Do I Have To Give Up Me To Be Loved By You?” She is the co-creator of the powerful Inner Bonding healing process. Learn Inner Bonding now! Visit her web site for a FREE Inner Bonding course: http://www.innerbonding.com or mailto:margaret@innerbonding.com. Phone sessions available.
February 19, 2009 at 5:22 pm · Filed under Uncategorized
The lines below come from this weeks mind treatment, written by Rev. Angelica Jayne who is a regular weekly contributor to this site.
I seldom ever include other people’s writing with my own, and very rarely use quotes and almost never comment on them. I sit in front of my computer knowing that I had to this time and wandering why, I am trusting the answer will come out in my writing as is always does.
Please read the three paragraphs below first, and then my comments following.
There is One Infinite Mind from which all things come. This Mind is everywhere present, all powerful and all knowing. This Mind is expressing as my mind now. The Unconditional Love of the Universe flows though me expressing itself as my Life. My desires are its desires.
Therefore I know my dreams and visions are Divine Ideas in the Mind of God. I accept this as my Truth, knowing everything needed to fulfill these ideas is also within me. I let go of all doubt and fear. I let go of any feelings of not being enough to live my Vision. I now declare I am clear about what I want and stay focused on the end results. I let go and let God do its magnificent work through and as me.
I am a living expression of God’s Highest Vision for Its Life as me. I Am so grateful to know this, and to know it is not me, but the Law within me that is doing the work. I keep my eye single, and see God in and as everything. And this is good, very good. With a heart filled with awe and gratitude, I release these words knowing they are already done.
I believe that one of the reasons these lines caught my eye is that they express in a special way how the process of manifesting what we desire in our lives works and who is really in charge of it all. Angelica’s words may reach others that mine would not. The process of manifesting remains the same and it is a three part progression of thought, word and deed but the expression can be said many ways and that diversity of expression is most important.
Not all of us speak the same language because not all of us understand the same language, so there are many of us writing the same lines but in different ways so that we may reach as many people as possible with this valuable information.
When I read these articles by Angelica and by other writers I get hung up on the use of the word God most of the time or any other related symbol. The words can and do leave you powerless unless you use critical thinking to read between the lines. In the explanation and study of spirituality and how we are related to God or Source, I believe that the words are appropriate and essential to these explanations and studies.
The issues I have are in the carrying over of the idea that there is God and there is us. The confusion for many that read these articles and related books as I see it would be in separating these two statements, “God is the creator of all that is,” “God will give you what you desire,” because the idea behind the lines takes away your power to create or manifest and the words leave wanting and waiting for God to deliver.
When you leave your fate in the hands of another, you are powerless to change anything. Life is about change and it is always moving, it is the only constant and the only consequence of life is life itself, which is change by its nature.
As individualized pieces of God or source we all have the power to make change, to create life. I believe that the greatest reason that humanity does not effectively get what it desires on demand, is that it gives up that power to others and to a God, that it envisions as an anthropomorphic individual that looks down upon us, and sometimes grants us what we desire. I believe that it is self evident through humanities history and our own lives from the time you were born. We do not get what we desire because we are waiting for someone else to give it to us.
The issue as I see it is in the words that we use. The words have enslaved us in and ideology that no longer works for us.
Intuitively humanity knows that it must change, it changes its words constantly. The dictionary is a living example of that progress as it expands every year.
The one area that is slow to change is in the realm of spirituality and religion practiced. This area of awareness that can really set us free remains locked in religious jargon that is designed to make us powerless.
Words are so powerful and we are so careless in using them. The one guiding principal of the law of creation is that whatever follows the words “I Am,” becomes so, it is known and it is absolute. “I am hot,” “I am cold,” “I am a failure,” “I am so lucky.” All of these statements are law and they are absolute because they are known as truth.
“I,” is the authority, “am,” is the word and what ever follows is the result. “I am hungry,” is known and it can not be any other way. Until you decide differently as in “I am full,” “I am not hungry.”
You will never find God or the source or its power looking outward, you have being doing that for centuries. It is only when you look inward and truly know yourself as the source, as an individualized piece of God and then finally God, that you can claim any power at all.
You cannot go around calling yourself God, there are those that will kill you, condemn you or lock you away, this has been our history. Our language has to change, to reflect the new awareness. New Age and other belief systems will not work effectively as long as we are tied to words that deny who we are and limit our power, until we are prepared to go all the way.
Did you notice the “You cannot,” statement above, how limiting is that? The words are so easy to say and carry absolute power. Know in your heart who you really are then begin to act like it, claim your power and use it to teach others, bring the awareness level of others to your own and encourage them to move past you. Use the words that best reflect your awareness and never again give up your power to anything or anyone that is outside of your “self,” and especially to the illusive image of God.
Listen closely everyday to the words that you are using, and notice how they reflect perfectly the circumstances of your life. Change your thoughts about using them and notice the changes in your life as you begin to use consciously the authority and power that is yours, and always was. Keep this awareness, “I am the authority, I am the power.” Begin to use the words then exert that authority and power.
To the extent that you know these things will be the extent of your power and your ability to access it.
Roy E. Klienwachter is a resident of British Columbia, Canada. A student of NLP, ordained minister, New Age Light Worker and Teacher. Roy has written and published five books on New Age wisdom. Roy’s books are thought provoking and designed to empower you to take responsibility for your life and what you create. His books and articles are written in the simplicity and eloquence of Zen wisdom.
You may not always agree with what he has to say. You will always come away with a new perspective and your thinking will never be the same.
Roy’s style is honest and comes straight from the heart without all the metaphorical mumble jumble and BS.
Visit Roy at: http://www.klienwachter.com
February 18, 2009 at 12:50 am · Filed under Business Opps, Commerce Marketing, World Of Products
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February 17, 2009 at 1:05 am · Filed under Buyers + Consumers, Hall Of Lifestyle, Information Folder
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February 12, 2009 at 8:24 am · Filed under Cash + Credit + More
Vehicle repossession may appear justified in circumstances where a person is generally being irresponsible and otherwise able to meet this financial obligation. However, what about that hardworking guy or gal who paid their automobile note dutifully for three years, and missed one payment? Why should their car be repossessed?
Basically, the lender owns your car until it is paid in full. Therefore, one missed payment is considered a breech of your agreement. It gets worse. After they take your car, they can sue you for what is called deficiency. Deficiency is any amount still owed on your contract AFTER your lessor sells your repossessed vehicle at–let’s say–an auction. Often they sell the car for less than they expected you to pay to get your car back. What do they care if they are going to sue you for the difference anyway?
I’ll explain it this way: Imagine paying $18,000 for a vehicle over time with maybe $5,000 left before the car is yours. You lose your job and fall behind a couple of months with the payments. Your vehicle gets repossessed. Now you must pay triple the amount of the two months you were delinquent because of added repossession and storage costs. You cannot come up with the money, so your car is sold at an auction for $1,500. The worst part: you are sued for the remaining balance of $3,500, plus the repo costs! What is the point of this? If they are going to sue you for the unpaid balance anyway, why not just give you the opportunity to pay the bill? Wouldn’t they come out better in the long run? Duh!
The repo man doesn’t care that your finances are in limbo because you have recently divorced or that your employer informed you in the eleventh hour that you were being laid-off. The repo man only cares about the fees that they will receive once they recover your vehicle. So, you must protect yourself.
Here’s an old fashion remedy for fighting the Repo man: If you know you will be able to come up with the money needed to pay your outstanding car note in a couple of months or so, switch cars with a friend until you get your finances straight. Better yet, HIDE IT in someone else’s garage for a while. Make sure it is someone you did not list as a reference on the credit application because the Repo man will definitely check their addresses in search of your vehicle.
I know a guy who switched cars with his brother who lived in a different state. Within three months, he straighten out his finances and paid his three month delinquent car note to date, plus late fees. He saved himself the high cost of repossession and storage fees, deficiency costs, and the embarrassment of
having his car repossessed (neighbors do watch).
The trick is to stay a step ahead of the repo man. Know their moves before they strike. This will help you prevent repossession, and the expense that goes along with it.
A. M. Harris is the author of The Broke Man’s Survival Guide: 50 Clever Strategies to Use When You Are Unemployed, Underpaid or Just Dead Broke and Can’t Pay Your Bills. For more information visit http://www.brokemansurvivalguide.com or call 1-888-340-4433.
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