Paalam Ka Erdie

Nagdalamhati po ang lahat ng mga kapatid sa Iglesia ni Cristo sa pagpanaw ng pinakamamahal na kapatid na Erdy na siyang kasalukuyang tagapamahalang pangkalahatan ng Iglesia ni Cristo.

Ayon sa opisyal na pahayag ng Iglesia, pumanaw ang Ka Erdy sa edad na 84 kahapon ng 3:53 ng hapon sa kanilang bahay. At ang sinasabing sanhi ng pagkamatay ay ang Cardiopulmonary Arrest.

Consolidate Credit Cards - Be Worry Free

We all wish to lead a life that promises complete financial freedom. Though, it is really hard to be totally free of debt, yet it is possible to a certain extent. It's true that our financial uncertainties like recession, family issues, medical problems, and others harm our financial stability and often land us in pits of debts.

We often fail to realize that are tightening their grip on us. By the time we actually get to know, it is already too late. But, do not worry as nowadays, a large number of consolidate credit cards are available in the market to help people who are looking for immediate ways to mend their financial freedom and status.

Mending Your Financial Credits

Further, the debt settlement plans help you get out of your debt by mending your credit in a short span of time. It helps you realize your financial dreams and offers a cheapest solution to get debt financial relief. Reducing your outstanding debts, it offers you may choices to improve your credit score through number of companies that offer genuine debt settlements to solve your debt related problems. But, before deciding upon any company, you should conduct a thorough research to know various parameters on the internet. This will definitely help in finding the most suitable deal for you.

• You must ensure that the company which you have selected should have economical fee structure.

• It should ask for debt settlement plans unless it starts debt settlement program with you.

• You must ask your queries.

• You must communicate your financial situation clearly.

• You must clear all our doubts related to financial debts.

• You must seek professional help to resolve all our financial worries.

• It must help you settle your debts without any hassle.

• No matter how miserable your financial situation is, a debt settlement must guarantee a financial liberty to you.

• Try to manage your debts.

• Assess your present financial situation.

• Understand how credit works.

• Try to get financial help from the reliable sources when you need it.

• Budget and cut costs.

• Avoid credit and debt mistakes.

• Know your credit report.

• It is important to have clean credit report.

• This will give you an opportunity to clean up any discrepancies or errors.

• Make your payments on time.

• Check how much debt you have as compared to your credit limits.

• Prompt payments are very important to relive your financial stress.

• Do not have too many credit accounts, if you really want to live a worry free or debt free life.

If you have credit history, it becomes difficult and frustrating to get consolidate credit debt relief. Thus, if you want to be worry free, try to go for consolidating your bills because it will help in avoiding multiple payments. It is typically a good idea in establishing credit that is just right for you. So, if you need to be debt free, opt for this now.

If you are looking for the ways to get maximum financial relief, then you should consider consolidate credit cards. Helping you manage your finances in a better way consolidate-bills.com helps you get consolidate credit debt relief fast.

The Effects of Shopping For a Loan on Your FICO Score

There are two ideas that come to mind that shopping for a loan will or will not hurt your FICO score. But which is right? The answer is they are both right for their own reasons.

10% of the FICO score calculation is your credit inquiries and an inquiry is a review of your credit report. The ones taken into account in the FICO score calculation is when you apply for a new line of credit and a lender checks your credit report. Having too many of these in a short period of time can have a negative effect on your FICO score. So how could both answers correct?

The first and most important consideration is what type of loan are you seeking? Are you looking for a credit card, auto loan, personal loan, or mortgage?

When considering a mortgage, this is one of the single largest purchases a person will do throughout their life. Also, it will need to be paid over a long period of time with most mortgages being a 30 year term. So a frugal and smart consumer must shop around. This is the only way they will get the best deal on something they will be paying for a long period of time. This is realized by the people who developed the FICO score formula and therefore shopping for a mortgage will not hurt your FICO score. This does come with a limitation. You are only given a short period of time to shop of 30 days. If it is not completed in that period of time it will be considered another inquiry. This same consideration is also made for auto loans as this is a larger purchase and needs some shopping.

The type of loan that you are not given the ability to shop is when you apply for a new credit card. You have to select one and not apply for several. Each credit card application submitted will be considered an individual inquiry. The idea with a credit card is that you know the terms before you apply. Also, there is little or no negotiation with the application.

So you must remember it is ok to shop for a loan on those large purchases, but do not do out and apply for ten new credit cards. This will not fare well in calculation of your FICO score.

To read more about the FICO score calculation visit William's website. There you will find more great information on how to get an excellent credit score

Golden Rule For Frugal Living

Saving money and living frugally is pretty easy if you have the right attitude and clear goals. If you know exactly why you want to save money and how much you want to save by a certain period of time, you are half way to your success. If you are smart enough to know that money will not make you happy, you have already succeeded.

Remember, recent studies proved that money can only make you happy if you spend it on others. In American society money is certainly overrated due to an overall consumer climate and media influence. We believe that we need a Lexus, a Blackberry and a Snuggie to be happy. We get in debt or spend all our savings to get these. We get excited for awhile and then want something else. It becomes an endless cycle, which we need to break if we want to live frugally and debt free.

The first and the most important rule for frugal living is the realization that life is not about having things. It is amazing how much money Americans spend for things they don't need. Some studies show that "shopping" is one of the most favorite activities of young women. Believe it or not, some cultures don't even have such a word as "shopping." People go to the store only when they need something, and not to hang out or check out the new collection. Interesting how culture defines the language.

Stop believing the media that you need a large house and a 7th pair of jeans in order to be happy. You don't. If you are reading this, there is a good chance that you are not a millionaire and money doesn't come easily to you.

Rethink your habits. Skip your Dunkin Donuts coffee in the morning. Don't go out shopping unless you need something. Instead of going out, learn to cook from scratch with your partner, or your child. Make your own cleaning solutions and beauty products. They are much healthier for you anyway. Instead of buying books, use the library. When you buy something that you really need, look for coupons, use cash-back sites, buy food in bulk... The list goes on. Don't let skillful advertisers trick you that you need a myriad of things. More often than not, you don't. It is their job to trick you. Make it your job to be firm and honest with yourself.

Trimming Your Budget by Getting Equal Value

Consider two phrases: "You have to cut back on your spending," and "You have to deprive yourself of some things that you want." They sound like they are synonymous, but if you think about it, they aren't. This misconception is often an excuse for people to avoid making tough budgeting decisions about their lives. But you'll find that, with just a little forethought, you can dramatically improve your bottom line without depriving yourself of the things that you love. You just need to focus on getting "equal value."

What is equal value? It's a concept that is simple to understand, but rarely perfectly implemented. As my Great Uncle Sylvester used to say, "You don't have to buy the dog when you can get the bark for free." You just have to find those areas in your life where you can get that bark without paying for that dog. Here's a good example: My wife and I love to go to the movies. We like to go to the movie theater every single week. It's a luxury, sure, and when we looked at the bottom line, we found that it was costing us a huge chunk of money. We were paying nine or ten bucks apiece for our tickets, two dollars for parking, and dropping another sixteen dollars at the concession stand for popcorn, a drink, and candy. In all, the bill for our special night was coming to as much as $38!

We couldn't go on spending $150 a month (which is $1800 a year!) on our trips to the movies. The obvious substitution is to just rent a flick for five dollars or less, but that felt like deprivation to us. We don't just want to see the movie, we want the movie-going experience. So we started making substitutions that didn't detract from the experience. First of all, we signed up for a loyalty program with our theater that meant we could see certain movies and show-times for $5. Since these were during off-peak hours, we no longer had to pay for parking. And rather than go full-bore on the concessions, we started smuggling in our candy and popcorn. That's against the rules, of course, but my justification is that the theater concession prices are just outrageous. Besides, we still buy the drink!

So, we now have an equal value movie theater experience that costs just $15 instead of $38. We're still spending about $700 a year on our habit, but we've saved $1100 from what we used to spend. And we're always looking for new ways to trim that further, too. We don't want to deprive ourselves-- we just don't want to throw money out the window. Apply this concept to some of your luxuries, and you might be surprised at how easy it is to change your bottom line.

Frugal Money Saving Tips For a Tough Economy

The frugal lifestyle. Weather we were forced into it by the times, or have been living this way for a while, more and more are joining the ranks. When I hear the word frugal, several pictures pop into my mind. The strongest image is one of a person who spends little to no money at all.

My idea of frugal living is a little different. My decisions are now thought through a little better, and I ask myself if I can live without whatever purchase I am debating about. Some things you have no control over, we all need a place to live, food to eat, and clothing when we go out into public. At least I hope we all need clothing. Hey - no reason we can't have a sense of humor while still living frugally.

The point I am trying to make is that we all still have control over most of our own financial decisions. With a little thought and educated decisions, all of us can make it through these tough times and most can even prosper!! Is'nt that some refreshing news amid what we usually hear?

I would like to expand on one area of the frugal lifestyle I will label entertainment. Let's face it, everyone needs a break at some time and has to have a little fun. Can one do this on a budget of a lot less of what was once spent? You bet'cha. If you have read any of my other articles, I like to make lists. So let's make a short list on how someone can get some much deserved entertainment on a budget.

1 - How does a family picnic at your local park sound? Spring is here, and the days are getting longer. This is a great way to get outdoors and shed some of that cabin fever we all have. Throw in a couple baseballs, a few gloves, and maybe a bat, and you most likely will come up with a scratch game of ball. Outdoor activity is a sure fire way to get your blood pumping.

2 - Another great outdoor activity is a long bike ride. If you are lucky like I am, you have a bike trail close by. A serene place to go, connect with nature, and burn a few calories for good measure. Dust off the bike, air up the tires, and have at it!!

3 - Set aside one night for family game night. Switch off the T.V. and get out all the old classic board games. Even a deck of cards will do nicely. This one just might become a weekly ritual for a long time to come.

4 - Does anyone like to read? My town is blessed with a used book exchange store. Spend a few coins, relax in the sun, and get lost for some time with a good novel. This one seems to do wonders for me.

So here we are at the end of another article on frugal living. Take some time for yourself and your family, and go have some fun!! You don't have to spend huge amounts of money to have a good time. Try a few of these ideas, as we all need a get away on occasion.

Proper Budgeting - Household Economic Stress Reliever

Many people find that, during times of economic recession, managing their money can be much more difficult than it previously had been. The housing market, for example, has been in a great deal of trouble because of people being unable to cover their mortgages or pay for their newly purchased homes causing massive foreclosures. Problems like this can be easily avoided by using proper budgeting and money managing techniques that are simple enough for everyone to practice in their daily lives.

Budgeting is a concept very familiar to almost all business institutions, but it can also be applied to people's everyday lives. The first thing to consider is a budgeted income statement . What is an income statement? It is a financial document that allows a person to determine their net income. A person who makes $100,000 a year does not have a net income of $100,000. In order to determine a household's net income, all expenses (for example, groceries and other such commodities that will need to be purchased during the year) that can be foreseen are deducted from the total earnings. Earnings can be determined through a couple different ways for a household. Earnings can be attained through either a person's salary, or if they collect unemployment and government aid, or if they work an hourly wage. If a person earns a salary, they simply add the net pay for each month together to arrive at the net earnings (or total net pay received) OR look at they're last paycheck for the previous year, and it should have a category for you're net pay of the entire. It is important not to confuse gross pay and net pay. Gross pay will add up to the total amount of the salary, whereas net pay will tell you how much money you received once taxes were taken out. If a person uses gross pay instead of net pay, their net income will be overstated because it assumes the household attained revenues that it did not actually receive. For example, if a person has a gross pay of $100,000 and a net pay of $80,000 and unwittingly uses their gross pay instead of net pay, the income statement will show $20,000 (100,000 - 80,000) of net income that they never actually received, and thus can lead them into spending money they don't have and incurring debt expenses for future periods. A person who receives unemployment or some sort of government aid (such as disability) also simply has to calculate net earnings in much the same way as someone who earns a salary. A person who works for an hourly wage should go through their previous years pay stubs and determine their estimated net earnings by figuring out the average hours worked per week and multiplying that by number of weeks per year they work and then multiplying by the dollar amount that they are paid per hour. It is important to note that working overtime or less hours than budgeted must be taken into consideration. This will be recorded not in the forecasted budget, but in the actual budget (as in the actual earnings less the actual expenses incurred to reach the actual net income).

Once the net earnings have been determined, the next thing to be figured out is the net expenses that will be incurred during the period. Some common expenses are rent expense, any liabilities paid on things such as car payments or home payments, groceries expense and utilities expense. To determine expenses associated with paying rent or paying off a home or car, simply take how much money you send out each month for that item, and multiply it by 12 months in a year. Not all expenses will be the same for every month, which is why expenses can be viewed as one of two types: fixed expenses and variable expenses. Fixed expenses are easily calculated by taking a monthly expense and multiplying by 12 months in a year or a weekly expense and multiplying by 52 weeks in a year. Variable expenses take a little more attention. A good example of a variable expense is a heating or water bill, which increases according to a cost driver (such as how long you use the heater each month, or how much water is used). Although technically many variable costs can be broken down into a fixed and variable component (I.e. if you used no electricity at all for an entire month, the electric company would still charge you a minimum fee), it is not necessarily imperative to take into consideration in your budget. The perhaps simplest way to determine the budgeted variable expenses is to look at expenses incurred in previous years and then take into consideration any rate increases that may have occurred. For example, if the sum of the monthly electric bills for the previous year were $800 and there were no changes in the cost of electricity, then the budgeted expense for the next year could be set at $800 as well. Another thing to be kept in mind is the ability to lower variable expenses by taking shorter showers or turning lights out when you leave the room or using less heat.

Once the budgeted earnings have been determined, and the budgeted expenses have also been determined, it's time to analyze the budgeted net income. Subtract the budgeted expenses from the budgeted earnings to determine the budgeted net income. For example, a man who has $80,000 of net pay budgeted and $50,000 in expenses budgeted will have $30,000 of budgeted net income. What exactly does that mean? That means the man will have $30,000 of cash by the end of the year to use as he sees fit, whether it is to pay off unforeseen expenses such as those incurred if a pipe bursts in the winter and you need to call a plumber, or the transmission blows in your car and costs $1,000 to replace. Along with the budgeted amounts, the actual amounts should be kept track of during the year so that at the end of the year an actual income statement can be created to determine how much money will be available for the next years budget. If the actual earnings are less than the actual expenses, then it is important to go through your finances and activities to determine why and correct it for the following year. Any money borrowed that is not paid off during the year it was borrowed in will have to considered an expense of the next year's budget. For example, if a person had to take out a $12,000 loan at 6% annual interest, you would take the interest (12,000 x .06) + the principle (12,000) to arrive a total cost of $12,720 which will become an expense for future years. Proper budgeting will allow a household to have a general idea of where they stand financially and will allow them to more readily deal with any financial problems and not have to spend sleepless nights worrying about whether or not they are going to be able to survive.

Free Money to Pay Off Credit Card Debt

Did you know there is free money available to help you pay off your credit card debt? You're probably thinking, "yeah right, what's the catch?" The catch is you have to know where to find it and ask for it.

What if I told you not only is there free money to pay off your credit card, but also cash you can receive to pay your utility bills, reduce your mortgage, and even give you down payment money to buy a new home? Would you believe it if you heard that you can get $50,000 in free money to start a home based business?

These programs have been around for many years, but at this moment the government is flushing more and more money into these grant programs in order to keep America running. Our economy is at risk, and so is the American competitive edge, and the government is doing everything they can to keep the system running smoothly.

The first priority is two fold. To keep people spending money, keep them in their homes, and keep them in their jobs. This can be achieved by helping people reduce their debt, which is why there is billions of dollars in free grant money.

The second priority is to keep America growing, which is accomplished by helping small businesses succeed. The government is making it easier to start their own business by providing money you might need to start or expand your business.

With free government money, you'll never be asked to pay it back. In fact, you have already paid for it, or will, with your tax dollars. And while millions of Americans are claiming some of these funds for themselves, you can too.

See how much you qualify to receive in free debt grants that you never have to repay. Checks are being received in as little as 7 days, and you could have yours soon too. All you have to do is ask for free grant money...

Reduce Your Credit Card Interest Rates - Three Strategies

Credit card companies have written the rules so that they can change the terms of their agreement at any time. They mail out a tiny 32-page booklet with minuscule print stating the new terms. Who reads these terms? Most people do not! Most people notice the new terms when their minimum payment doubles or even triples. (Like I did.)

You may have made no changes in your account--no late payments, no missed payments--but suddenly you've seen your interest rates leap to rates in the mid to high twenties.

Recently the rate of one of my cards jumped from 9.24% to 24.98%. I called the card company immediately. "If you accept the new terms, then that's the rate," said the Customer Service Representative. "There's nothing we can do about it. Your card has been selected for a change in terms and until the account is reviewed again, that's the rate."

"What if I don't accept the terms?" I asked.

"Then when the card expires, we don't issue you a new one," replied the representative.

It was an easy choice. "Then I don't accept the new terms," I answered without hesitation.

"Then your account will stay at 9.24%. If you change your mind about accepting the terms, please let us know."

I was thrilled. I could keep the lower interest rate and, right before the card expired, I could change my mind and say I accepted the new terms (as long as, by then, the terms were reasonable).

Watch your credit card interest rates, especially if you're carrying a balance. And to keep your interest rates as low as possible, you have several options:

1. Whatever your current interest rate, call the credit company, verify the current APR, and ask for a reduction. If the customer service representative says she cannot give you one, speak to a manager. This used to result in a lower rate quite easily! It works less frequently now, but you can still gather information that can help you. Sometimes the people who work at the credit card companies are as horrified at the new interest rates as the customers. If you don't find someone helpful, simply call again. Find out your payoff options and find out when the card will be reviewed again.

2. When you receive a booklet with new terms in the mail (it comes with your statement and advertisements) don't throw it out! Look for the part that announces your new interest rate. Under that, you should find something about your option to not accept the terms. Call the company and take the option!

3. If you think you can't make the minimum payment, call the company and say you want a payment plan with lower payments. The credit card company may say it would mean closing your account once the card is paid off. That may not be a bad thing for you! How many credit cards does one person need anyway? If your goal is to live debt-free, living without a false sense of dependence on credit cards is certainly moving in the right direction!

Since lending laws and credit card rules are changing constantly, revolving credit is very volatile. Staying in contact with the credit card companies will control the damage until you've paid off your balance.

Joy van Hemert

http://www.deletemydebt.wordpress.com

Figuring Out Your Finances With the Credit Card Debt Calculator

If you need to assess your financial situation and find out how bad it is, then what you need is to have the credit card debt calculator in hand. As an online tool, it will give you a true perspective of how far your debt has evolved and give you an overview of what it will cost you financially over the coming years whether it's in five, tend or twenty years. By being able to realize what your actual financial situation is, you will help yourself by staying clear of any new credit card offers that you may receive. The worst situation you could be in is ending up with more credit card debt, more than you will be able handle from where it will be close to impossible finding your way out.

You can find the credit card debt calculator online and you can freely use it to assess where you actually stand with your financial debts. It may seem like a scary thing to do, but it is important to be able to know how you are going to improve your financial future by controlling your credit card status using the information you get. By making use of this tool you will have the perfect way to know what you should do in terms of your spending habit and no other device can help you with curtailing your credit card usage than getting a visual representation of your debt which this tool provides.

Who Makes Use Of This Anyway?

Whenever you decide to look into the various programs or options which would assist you with your credit card debts, the organizations you approach will be making use of the the credit card debt calculator. These organizations use this tool as a means to know exactly what situation they will be working on. This tool will assist them in determining if they should help you out or not. They may not promise good results, but using tools such as this provides a great overview of the best possible solutions that can be derived to help you out.

No matter if you use it personally or use it for a non-profit organization, it is important that you use the credit card debt calculator properly. Use it and take the advantages of knowing where you really stand financially with your credit card debts and you will in the end be happy that you made use of it. The worse thing that you can do is ignore your over all financial situation and end up being in a much deeper hole than you were before. It is a hard and sad situation to look at but it is a necessity that needs to be done so that you can take your financial status into the right direction as quickly as possible.

Luvi Marie Corcuera is a full time Mom and works part time as the Editor of Informational sites like Finance Plans which provides relevant information on various financial topics.

Consumer Credit Card Debt Relief Scams! Are They Real?

I have been in the credit card debt relief industry for just about 10 years now and have been in the financial industry for over 20 years. The point of this article is to give people a heads up on debt relief companies also known as debt settlement or debt negotiation companies. I will give you the pro's and con's of this process and what to watch out for when interviewing a company to help you get out of debt. Before I go on I want to let you know that this will be a rather long article and by the end of it my goal is to have you understand how the debt negotiation/settlement process works in case you don't already know and I would like you to understand the tactics of companies out there that do not truly have your best interest at heart.

First I would like to state that the process of debt negotiation as your means of consumer debt relief is not for everyone, some people are better suited for bankruptcy and others do not have the correct mindset to go through this process.

I would like you to first understand what debt negotiation is and how it works. The goal of a debt negotiator is to obtain a debt settlement for you on the current debt amount you owe your creditor. So for example you may owe one particular creditor $10,000 so the goal of the negotiator would be to have you end up paying back say $6,000. The two main benefits of going through this process are to save money on what you currently owe your creditors and to save time. By just paying the minimum payment with even a modest interest rate you will be looking at 30 or more years to become debt free, with a sound debt negotiation program you will be out of debt within 2-3 years or sooner depending on your current financial situation.

Now you must understand these are great benefits but as with anything in life there are drawbacks, nothing is perfect and this consumer debt relief procedure is no different. For starters your creditors will not be willing to negotiate a debt settlement at all if you are current with your monthly minimum payments. They would prefer you to stay on their credit treadmill for the next thirty years and pay them back over four times the balance in interest alone. So you must fall behind on your payments to put the creditors into a position where they will be willing to settle. Once you stop paying them the ball game changes completely and they will then be willing to talk in terms of negotiating a settlement.

So obviously for some people the beginning of this process will have a negative effect on their credit score. For those who are already falling behind then the negative effect will be no different than it already is. Unfortunately for some people this will be the deterring factor that keeps them from going into debt settlement making them a slave to their creditors for the next thirty years. The good news is that this negative effect does not last forever, in fact once the settlements start coming through your credit score will begin to rebound and go back up. The reason being over 30% of your credit score according to MyFICO is based on how much debt you owe. But if you are stuck in a bad debt situation even if you are current with your payments your score is probably not all that good in the first place, and besides when stuck deep in debt your focus should be on how to get out of debt as quickly as possible, not on your ability to accrue future debt.

Now by falling behind on your debts you must understand that these creditors are just not going to roll over and play dead, they will be calling to try and collect the debt. For some this is not a problem at all, for others it is, that is why I stated above this process is not for everyone and the consumer must be in the correct mind set. From my years of helping people there is no rhyme or reason to how many calls you will receive some clients of mine barely get calls while others get them almost everyday. Something to keep in mind too is that no company has the power to legally stop the calls, so any company that tells you they can is flat out lying.

As you can see like I said earlier there are pro's and con's, but if you can accept the con's you will be quickly on the road to financial freedom and will save a lot of money in the process. Now to get to the meat of the matter and why I named this article "consumer credit card debt relief scams".

We here in America over the past couple of years have been experiencing a very negative downturn in our economy. Thus putting many consumers in a compromising position financially, leaving boat loads of people stuck in credit card debt. So naturally this opened up a much larger market for debt negotiation. Many fly by night companies have been popping up all over the country, many of which are ex mortgage brokers who sold people bad loans and helped them get into this sticky position in the first place. Now I use the word scam which can take on a few meanings, while yes there are some companies out there that are flat out scams and have no intent on doing any work for you at all, most of the times that is not the case. Instead many companies simply do not give people all the facts on how debt negotiation works nor do they truly put them on a plan for success, which I will explain in a minute.

One common issue that most consumers have with debt settlement companies is they do not fully tell them about how the process works, instead they sugar coat things and just preach about the great benefits. I have spoken to countless amounts of people who have signed up with companies and were under the impression that they were going to stay current with their creditors and will never receive any calls. So needless to say this became a huge problem once they began.

Another major problem a lot of these companies have is deceiving people into the kind of savings they will be getting on their debts. Some companies will say they will save you 70% of what you owe. Now while they may get settlements that low what their opting not to tell you is how much you will be saving after you have A) paid them their fees, and B) paid back the creditors. Honest companies will tell you what your true savings will be. If you will save somewhere between 40-50% of what you owe including their fees and paying the creditors than that is pretty darn good. Plus many of these companies will try and guarantee a certain amount of savings, if you hear this run for the hills. NO one in this industry can guarantee a certain amount that is why it is called DEBT NEGOTIATION! They are negotiating to get a settlement for as low as they can get.

Then there are the companies who will let you pay whatever you can to get on their program. These are the worst because they do not truly have your interest at heart and know they are setting you up to fail and not succeed. You must understand to achieve the type of savings I stated above this process should take no more than three years, preferably two or less. And the bottom line is some people simply cannot get it done in that time frame and should realistically be looking into bankruptcy. What these unscrupulous consumer debt relief companies will do is put you on a program for 4 or more years and basically accepts whatever payment you can afford. Knowing full well you are not going to be saving much of anything and will more than likely fail off the program, all they care about is getting the fees and that is it. An honest company will diligently review your budget with you and make sure this is something that you can manage, as well as fully explain to you both the benefits and drawbacks of doing this. And let you make the conscience decision as to whether this is the best consumer debt relief method for your situation.

Another very good way to evaluate a company is to make sure they are registered with the BBB (Better Business Bureau) and that they are in good standings with very few complaints. And if there are complaints make sure they were resolved to the clients liking.

Like I said I have been in this business for almost 10 years now and currently I work for an outstanding company with a great track record and an amazing record with the BBB, the USCA. My company was founded by an attorney who has highly trained debt negotiators who know the business inside and out. If you want an honest evaluation of your situation to see if this is the right method of consumer debt relief for you than follow the link below in the signature file and fill out an application and request to speak with me. I will go over in great detail how this process works and whether you are a good candidate. I hope after reading this article you feel more educated as to how this process works and what to look out for when you are interviewing companies to potentially help you out.

Steve Bis is a senior debt analyst and research assistant with the USCA which practices primarily in consumer credit card debt relief

Verify Paypal Philippines Using EON Visa Debit Credit Card

How to have a verified Paypal in the Philippines using UnionBank's EON Visa Debit Credit Card. Follow my steps and have it verified without failed in less than a month! Works 100% of the time.

Verify Paypal Philippines using EON Visa Debit Credit Card

Hi folks, do you lived in the Philippines, with Philippines now a Paypal country, the perks of eBay merchandising, selling and buying; the freelance works done from outsourcing can all be paid and used through Paypal.

Paypal is an online cash system widely accepted all through out the internet since way back early in the 90's. Paypal Philippines is just a couple of years old, and with Western Transfer Union's crazy fees and the non participation of Philippine Banks to Money transfer from banks around across the world, Paypal has become an ideal monetary exchange program for Filipinos all through out the Archipelago.

Why the need to be a Verified Paypal User?

Answer is simple; you cannot withdraw the money in your Paypal account unless you become a verified user. You will have limits in your accounts, like the amount that you can transfer is limited to only a few couple of hundreds of dollars, and the amount you can received is just a few thousand. Worst you can't take your Paypal funds and have them in your bank account even though you have clearly state in the interface in the website correct amounts and bank details. In short, just get verified and you will see the big greens ahead

How did I become verified? Simple steps are listed below:

First you're going to need a Credit Card. I have 4 Credit cards, but none I used for online transactions. Why? I have been a victim of hacking on my MasterCard before so I decided to use debit Visa cards instead after that incident.

The best way to get a debit credit card is through banks that offers them. BPI offers MasterCard's debit cards through Express Cash banking systems, but the one I liked most is non other than UnionBanks EON Visa Card. Because it's a Visa Credit Card but with the debit twist. You have to go to a UnionBank branch near you or the place you work to apply for one.

Requirements are 2 valid ID's, one is premium or government supplied and the other as supplementary or Company supplied. Bring in a whooping $125.00 [it's peso btw lol] as a transaction fee of some sorts. Then after 2-3 weeks get back at the bank and get your VISA debit Credit Card. But be ready with another whooping $350.00 [again change the amount to peso lol] for the annual fee, and plug in a good 500 peso bill in the counter to have the card some transaction history. This is important. Don't skip the steps above.

After 2-3 days go to your UnionBank's ATM machine and check your savings balance. If you see your 500 pesoses in there then all is good, go to a nearby church and thank God.

EON Cyber Account application is a Must

Then after a few hours or even minutes or yes even seconds go online and apply for UnionBank's EON online banking, you won't miss it, I don't want to give live links so use Google and search "unionbank Philippines" or something like that and register. Then you have to wait 1-3 weeks depending on the mood of the data entry guy till your EON online banking gets approved.

Now go and log in to your Paypal account, click on the lift the limits tab and add the EON Visa Credit card. If you are able to Log in now to the EON online Banking, eBanking or Cyber account thingamajig then in less than 48 hours you can get the EXPUSE number needed to have for your Paypal to have it's limits waived off.

The EXPUSE is next to the transaction thing with the word PAYPAL written all over.

And there you have it, Paypal will deduct at least a 100+ pesos in your EON Visa Card and will gladly pay you back the $1.95 [this time its USD] through Paypals credits.

I reckon you will try and apply for a premium Paypal membership to get the ball rolling and have all the limits erase for you to withdraw the money in your account to your EON Credit Card. Paypal will take 3 days for the money to clear and have transaction completed and your UnionBank system will eat up 3-5 days to have the money showing in your EON Card Account. After which you can swipe and buy stuff with your VISA Card or if not withdraw the money in an ATM and enjoy life to the fullest. LOL

Over all time frame till SHOW ME THE MONEY. This is a rough estimate to erase all your high hopes NOYPI style.

14-28 days, 2-3 Weeks = EON Debit Visa Credit Card Application
2-3 days = EON Debit Visa Credit Card test transaction e.g. ATM money check account balance etc.
7-28 days, 1-3 Weeks = EON Debit Visa Credit Card Cyber Account or eBanking application and approval
1-3 days = EON Debit Visa Credit Card added to Paypal and to have Paypal send you the EXPUSE number
1-2 days = EON Debit Visa Credit Card Cyber Account or eBanking online shows the EXPUSE number
1-2 days = EON Debit Visa Credit Card Cyber added to Paypal with Expuse number and become Verified
7-14 days 1-2 Weeks= Withdrawing and Clearing of money to your EON Debit Visa Credit Card from Paypal
TOTAL = roughly 4-8 Weeks till you get your online money to be going straight to the real world. Not bad eh? That's life live with it.

Oh before I forget after you have done a couple of transaction, withdrawing, receiving and adding money to Paypal and EON, the next clearing period becomes 24 hours to 2 days combined, guess having trust works in online automated systems too. Cache or Caching!

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