#addressing common misconceptions when it comes to debts to be paid

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Debts and balances: or how much does one man have to pay over the course of his life?

Good morning everyone! Today we’re going to be talking about debts, and why Jiang Cheng needs to shut the fuck up on debts because he is the one in the wrong pretty much the entire time.

Let’s start by acknowledging that I am not of this culture so I may perhaps state a thing or two wrong, but I also have several functioning brain cells to rub together and I pay attention so I will probably be more right than most of the “hot takes” I see on why Jiang Cheng is not actually in the wrong here. Because he is. He so is.

So, debts. First of all, there are multiple levels and layers of debts and to whom do you owe them too. So let’s start with the first one where the story is subtle about it and yet both Jiang Cheng and Madam Yu are in the wrong. We know that Cangse Sanren saved Jiang Fengmian’s life at one point when they were young. Life debts are big. To only be alive because of someone else’s actions is a debt that it is possible you will never be able to pay back. There are multiple stories of otherwise good people protecting the obvious villain because they owe that.

Jiang Fengmian’s only way of being able to pay back that debt after Cangse Sanren and Wei Changze die is to take care of their child and raise him how they would have. I.E, as a cultivator. This is not a debt that Wei Wuxian owes to the Jiangs. It is quite literally, the least of what Jiang Fengmian owes him and his parents to do.

Jiang Cheng cannot claim that Wei Wuxian owes them for his life. He is wrong. 

Next debt that even Jiang Cheng does not try to claim, only his ever so pleasant stans, the fucking dogs. The fucking dogs that he does not actually give a fuck about. 

Wei Wuxian does not ask anyone to do anything about the dogs. He is not in a mental state to. He is in a state of triggered phobia where his brain literally goes into run away screaming mode. This is also not funny and Jiang Cheng is a jackass for making fun of it whenever it happens. Jiang Fengmian is the one who decides that it’s better for the dogs to go. Even though Jiang Cheng is upset, he does not actually hold this as a lingering grudge against Wei Wuxian. He lets it the fuck go. And even if he didn’t, the resentment and anger should be aimed at the person who actually made a decision about it. Not Wei Wuxian. He does not give one singular fuck about his dogs later on. Let the fucking dogs go.

Third off: The Fall of Lotus Pier. There are different levels of blame that we can lay on this. Wei Wuxian is not close to responsible for this. Jiang Cheng knows this and elects to blame him anyway.

The first people we can lay the blame on the fall of Lotus Pier is the Wens, who came with ships, warriors, Wang Lingjiao to rile up the notoriously short tempered asshole Madam Yu, and Wen Zhuliu the Core-Melting Hand. They came prepared for battle and they got what they wanted. Madam Yu is the second one we can lay the blame on, for deciding to attack and demean Wang Lingjiao, not for making her do anything she didn’t want to do, because holy hell did she want to whip Wei Wuxian until he couldn’t move and leapt at the chance to do such a thing, but because Wang Lingjiao is a servant who was elevated by her lover and Madam Yu is a classist asshole. This is the only reason she flips out. Wei Wuxian did nothing wrong. Wei Wuxian does not have the blood of Lotus Pier on his hands, he is tied to Jiang Cheng and told to protect him at the cost of his life, a debt he does not owe. 

The four debt he attempts to claim, the only one that might be considered to have some teeth if it weren’t for how much Wei Wuxian gives him back almost immediately. Jiang Cheng goes to distract the Wens from Wei Wuxian and ends up getting captured and losing his golden core. So first off, in this world a golden core is a lot to lose, I won’t deny that. But, first off, Wei Wuxian is only in danger because after being whipped a lot, then strangled, then having to run after Jiang Cheng multiple times because he would rather go die at Lotus Pier than listen to either of his parents and escape, he still goes into town to get them something to eat because otherwise Jiang Cheng would rather lie on the ground and die. Fucking great sect leadership there, huh Jiang Cheng? But yes, Jiang Cheng sees the Wens, sees them notice Wei Wuxian, goes off to distract them and then gets captured and loses his golden core.

Now we’re getting to some of the debts that Jiang Cheng owes and refuses to pay back, because that’s definitely going to get him far in this world. Wei Wuxian in his panic and attempt to find Jiang Cheng, finds Wen Ning, who after some struggles manages to convince him that he can sneak in and get Jiang Cheng back out. In addition, he also retrieves the bodies of Madam Yu and Jiang Fengmian. This is huge. Jiang Cheng now owes him both a life debt for again, saving his life at great cost to his own: Wen Ning is literally committing treason here, and also for restoring the lost honor of not being able to bury his parents properly. Wen Ning gives them a proper burial and later after the war he is able to lie them to rest in the Ancestors Hall so their spirits will be at peace and he will have fulfilled his fillial duties. By all means, the debt he owes Wen Ning in particular is so great that he should have taken in every Wen in those camps and sheltered them because it is as close as he will ever get to repaying that debt. And that’s just Wen Ning!

The next debt he owes and refuses to pay is to Wen Qing, a genius doctor and respected by Wen Ruohan, who uses the prestige and skills she has to protect both him and Wei Wuxian in at this point enemy territory when they are being actively searched for, being the new sect leader and head disciple of Yunmeng Jiang. She hides them and then later uses her skills to give him a new golden core so that he can go and fight back against his people, revitalizing his clan and eradicating hers. This is another debt that could only really be paid back by protecting her people if she came to him. He owes her literally his life, his power and his people.

The third debt he owes and refuses to pay is to Wei Wuxian, who more than overbalances the scales back in his favor by giving him his golden core. He pays his chance at immortality, his power, his strength, his cultivation, everything that he has to his name so that Jiang Cheng won’t starve himself to death over losing his core. In addition, he tells Jiang Cheng that this comes from a once in a lifetime favor from his mother’s master so even before when he didn’t know about the core, this is still a massive, massive debt, a limitless one time favor from an immortal that he uses Wei Wuxian’s chance to get and never actually thanks him. So at this point, his own golden core as a debt starts to seem a little hollow. Either way, it’s been repaid. An action you do in service of someone else is not a weapon you get to hold over their heads for multiple lives.

Moving on! The next debt he would like to claim is that Wei Wuxian apparently has no right to do things he does not approve of. Excuse me? Is he now a computer program that crashed? What the fuck Jiang Wanyin? Wei Wuxian has less rank than him, although Jiang Cheng is so high rank in this society that he only shares his rank with three other people and there’s no one above him so it would be very hard for him to not be, but he is still a person, with his own thoughts, wishes, dreams, hopes and beliefs. He is not an extension of your hand, to make your clan look good and stand behind you as a hammer to smash on people. Wen Qing goes to Wei Wuxian to ask for help for finding her brother, her people because they are literally being tortured to death. This is a debt that by all means, Jiang Cheng should be repaying. See that part where Wen Ning committed treason to help him and restore his family’s honor? See that part where Wen Qing literally gave him the ability to go back to war against her family? This is the point where anyone with honor would recognize this is the only thing I can do. I will throw myself on my sword if I must, but I must repay this debt to them. There is nothing less I can do. But Jiang Cheng has only the honor of a mangy cur and ignores this, and when Wei Wuxian goes to fulfill this debt, he tells him to stop. To him, his multiple life debts are an inconvience to shoving his nose so far up Jin Guangshan’s ass that he’s tasting what he had for dinner that day.

The next debt that he would like to claim is the death of his brother in law. This is a debt that Wei Wuxian would owe to specific people. This debt is to Jiang Yanli, Jin Guangshan and Jin Ling, one of whom is wanting to forgive it, one who is too small to decide at the time, and one who straight up does not give a fuck beyond advancing his power. Jiang Cheng is not one of these people. His sister is fine, she’s not his concern anymore, she’s a part of the Jin sect. The only reason why he died is that Jiang Cheng decided the best way to repay his debt to Wei Wuxian was to throw a temper tantrum and declare him an enemy to everyone, ripping out every support from under his feet. Regardless, Jiang Cheng is an asshole and does not get to claim this debt.

The final one of Wei Wuxian’s first life that he keeps hurling at him is the death of his sister...the death of his sister who chose to leap between Wei Wuxian and a sword. The death of his sister at a battle that broke out because Jiang Cheng has been with Jin Guangshan whipping the cultivation world into a frenzy against the Wens and Wei Wuxian because of power and jealousy. The battle that would have not happened if they’d left them alone. Jiang Cheng has been to the burial mounds. He has seen the farmers, he has seen the baby there. He has decided that rather than do anything to repay these various deaths, he will kill them on other people’s swords instead. Because he is also a coward and won’t pick fights he can’t win. In addition he likes to steal Yanli’s agency, she’s the one who chose to come, she’s the one who chose to get in the way and she doesn’t die with regrets. And she is not his debt to claim. Again, the one who actually gets to claim this death that Wei Wuxian is not responsible for is Jin Ling, who actually shapes up and decides that it doesn’t matter, he doesn’t blame Wei Wuxian for it. He forgives him his role in that space and moves the fuck on, unlike a certain sir stabby grape mcwhipinnoencts.

And then Wei Wuxian dies and any debts he may have still owed to Jiang Cheng, not that there were any, die with him. Jiang Cheng has no claim on him, he was not part of his sect, they were not brothers in any way, indeed Jiang Cheng called him his enemy. Even most people with far more real grudges at this point would let it go. Wei Wuxian is so dead that no one can find his soul, no matter how hard they look. He comes back to life and reaps the rewards of his actions, finding new allies, getting the chance to actually interact with Jin Ling and make his apologies, and in the end, settle down to a peaceful life with an adoring husband and nothing left to be repaid. If there is still a debt he owes, it is only to Mo Xuanyu, who gave up his entire cycle of life to let Wei Wuxian reincarnate early with his memories, a sacrifice he only asked for repayment in the death of his family. He may owe more still, but that is all Mo Xuanyu wanted from him in repayment for this great sacrifice. The cultivation world is in the wrong when they’re trying to persecute him again for the actions of his previous life, he owes them nothing anymore. The debts he carries towards Jin Ling are the ones he chooses to take on, feeling guilty that he grew up without his parents due to the world’s general actions and also no one else taking responsibility for how far things fell. 

That is what Jiang Cheng finally realizes in the temple, crouched on the floor and sobbing like a spoiled child over the golden core sacrifice. Is that he is in the wrong and has been in the wrong the whole time. That there is nothing he can hold onto, no debt that Wei Wuxian ever owed him that he could demand to be paid. He built it all up in his head as he left his honor, his family and his dignity in the wake of his arrogance. And it’s a painful thing to realize, the consequences of your decisions, but all he can do is live with his own ruined reputation, his own loneliness and the fact that no one wants to be around him. He’s blacklisted by multiple matchmakers, his disciples are more like thugs, Wei Wuxian chooses every opportunity to get away from him and even Jin Ling likes him less and less over the course of the book, not forgetting that he seems to prefer Jin Guangyao to begin with as he actually talks to him sometimes and doesn’t hit him. Jiang Cheng refusing to pay his debts gives him exactly what a debt deserter deserves. No one has a reason to trust him. The one bit of positive character growth he does is giving up and not trying to reel him back in by telling him of the sacrifice. At this point, all it would be is just him trying to get another debt he cannot hold because it is long since repaid, never quite made up for what they gave him to make up for it, and worthless in the face of Wei Wuxian’s new life. Wei Wuxian owes him nothing and never has.

Also, just to tally up the relationship between Wei Wuxian and Jiang Cheng on things given between the two of them, Jiang Cheng gives him: a lot of whinging on how unfair it is that Wei Wuxian is a prodigy, and a one time immediately regretted and held over his head sacrifice of a golden core. Whereas Wei Wuxian gives him: many lessons on how to be a kinder person that he ignores, the patience and tolerance of his stinkbug attitude, his love, his affection, his fucking golden core, his reputation, his blood, his livelihood, taking over his debts, trying to keep any of his actions from reflecting on the Jiangs even though if Jiang Cheng had repaid any of the debts he owed, there would have been no problems because if the Jin’s did decide to attack, Wei Wuxian would fight back and he can level battle fields on his own, his honor, his relationships, and even his life in the end, because if Wei Wuxian had ever turned on him like he claimed, he would have been a bloody smeared spot on the ground. And Jiang Cheng gobbles this all up and demands more with Wei Wuxian’s blood and tears dribbling from his mouth. 

Would you give that much for someone who doesn’t treat you well? Would you find that a reasonable price to pay for someone who demeans you at every opportunity, who tells you you deserve your misfortunes and that no one likes you? Why are you surprised that in the end Wei Wuxian would rather walk away with people who care about him, why he gives up, leaves any opportunity for anything in Jiang Cheng’s hands. Wei Wuxian has given more than any person should for almost nothing. It is a sign of triumph and victory, of recognizing his own worth and value in the world and who he wants to be with, that he leaves, that he walks away with his head held high. He owes Jiang Cheng nothing, and Jiang Cheng will just have to fucking live with that.

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Hidden Reality of Credit Cards

Customer acquisition for credit card companies has evolved into a rat race in which even the tiniest chances to attract customers are not overlooked. Pre-approved credit cards are an example of this. If you check every email we are sure that your inbox column would have at least two to three offers of such credit cards from three to four different banks. These deals are received by almost all of us. But what exactly should be done with these offers? Should we condemn them outright or do we go for it? But do you know that between the hasty acceptance and rejection decisions, there is another path to take: information and study. Keep reading to understand the hidden reality of pre-approved credit cards, the advantages, repercussions, and misconceptions surrounding the same.

Be Doubtful, Not Debtful

It’s important to first understand the product, its flaws, and what it can do for you in the long run. Credit cards are so widely available these days that it’s tempting to ask if shopping with a plastic card is more addictive or other narcotic addictions. The reality is that every highly beneficial product has a flaw that, if exploited, can leave us in a ditch. So, before you get one of these pre-approved credit cards, hang on and learn a little about them.

What is a Pre-Approved Credit Card

A pre-approved credit card will be offered to you by your credit card issuer or bank. There is no guarantee that you’ll get it. In fact, it means that the credit card company or bank has combed through CIBIL score databases and the list of people who are qualified for a credit card.

As a result, an automated mailer is sent to people with high CIBIL scores as a lure to bait you in as a customer with a pretty worm known as a pre-approved credit card. If you proceed, the bank or credit card agency may perform another round of credit history evaluations. If they do not deem your credit history to be satisfactory, your application will be refused, potentially lowering your CIBIL score. If your application is refused, you will end up taking two steps backward.

Can Pre-Approved Credit Offers Be Further Hazard?

Here are several reasons why you should think twice about applying for additional credit cards, regardless of how good your CIBIL score is:

Low-interest rates and lifetime free cards are popular marketing gimmicks used by issuers and banks to lure customers into what appears to be “easy access to money.”

For the time being, “annual payments are being waived,” which is very different from what the promise of free for life means to a consumer. However, the no-annual fee discount is just temporary. It’s all up to the discretion of the bank.

The “annual percentage rate” also increases to between 36% and 40%. The fact that other interest rates are low makes no difference because all banks pay reasonable rates to remain competitive in the rat race.

Preapproved credit cards can also lead to the following scams:

Expiration dates are approaching.

Unwillingness to disclose terms and conditions

Insufficient contact details

Before getting the pass, you must make large upfront payments.

Should You Say Yes?

Both Credit cards and preapproved credit cards have benefits and drawbacks. Check the two reasons stated below to learn when to say yes to a credit card:

If you are not happy with your new credit card in terms of cashback and rewards when paying your bills on time, you should consider switching. If the bonuses and other advantages are worthwhile, these credit cards can be helpful. However, extensive research is needed.

Preapproved credit cards are particularly beneficial to people with high CIBIL ratings. However, if you need a second credit card for some reason other than to pay off your existing credit card debt, These deals could be beneficial in the long run and are worth applying for.

However, apart from these two situations, it’s important to remember two more things while responding to these deal mailers: Your current credit situation and credit score, as well as what the credit card offers and its reliability. So go for it, but do so with caution!  

Credit Card Misconceptions Among People

There are certain misconceptions that people hold. They don’t actually know the real reason and logic behind the situation. We took it on ourselves to clear their misconceptions and provide them with factual and logical explanations.

Misconception 1: It Isn’t Good to Have Multiple Credit Cards.

One of the main worries about getting multiple credit cards is the effect on your credit score. This is a common concern among people. They fear that if they apply for multiple credit cards, it will adversely affect them.

The fact, however, is that owning multiple credit cards has both positive and negative effects. However, getting multiple credit cards will actually improve your credit score by making it easier to maintain a low debt utilization ratio.

For instance, if you have one credit card with a $2,000 credit limit and spend $1,800 on it on a monthly basis, your debt utilization ratio, or the percentage of your usable credit that you use, is 90%. When it comes to credit ratings, a high debt usage ratio can lower your ranking. It might not seem fair—why should you be penalized for using the majority of your credit limit if you only have one card and pay it off in full and on time every month? But that’s how the credit score system works.

But understand if you don’t have such high usage and have multiple credit cards, it will adversely affect you. Your debt utilization ratio will be low, and the yearly/ monthly fixed bills of the same will be high.

Misconception 2: Credit Utilization Doesn’t Play a Role in Credit Cards

It is rightly said that it is a misconception because it is one of the essential determinants. Therefore, one must keep their credit line utilization ratio below 30% and stay on top of payment deadlines. Most credit experts advise against using more than 30% of your available credit per card at any given time in order to increase your credit score.

It’s also easier to keep your credit utilization ratio down by spreading your $1,800 in transactions across many cards. This ratio is only one of the variables considered by the FICO credit scoring model in the “amounts owed” part of your ranking, but it accounts for 30% of your total credit score. Only 35% of your payment history is taken into account when calculating your credit score.

FAQ’s

How Many Credit Cards Should You Have?

People usually come up to us and ask how many credit cards are the best options. Now there is no magic number to that question because everyone��s situation is different. A strong argument can be made to have at least one credit card to take advantage of the inherent convenience, security, and other benefits.

If you need the extra credit lines to accommodate your monthly spending budget then the demand and requirement of credit cards are justified. Alternatively, if you want to use your daily spending you can collect incentives such as cash backs, points, or airline miles.

How Many Credit Cards Are Too Many?

The answer to such questions is never definite. For some people, even getting two credit cards can be excessive. Remember, if you can’t afford to pay your bills, you don’t need them and therefore refrain from using them. Getting a new credit card will help your credit score by lowering your overall credit line usage, but getting many cards in a short period is not recommended.

Many card issuers have rules in place to address this practice, which has emerged as a result of consumers attempting to cheat the system by signing up for several credit cards in order to collect incentives and then canceling after the spending criteria have been met. For example,

Chase, America’s leading bank, has a policy known as 5/24, which states that if you’ve applied for more than five credit cards (regardless of the issuer) in the previous 24 months, you won’t be eligible for anymore.

Another such disadvantage of getting a large number of credit cards is that it can make you seem risky to lenders, lowering your credit score. Even if you’ve paid them all off, the simple fact that you have a lot of open and unused credit lines will make you appear to the next lender as a possible liability. Although there is no absolute limit on how many credit cards you can get, it’s better to apply for and hold only the cards you need and support using based on your credit scores, willingness to pay balances, and rewards goals.

Should We Carry Credit Cards for Emergencies?

According to us, it would be ideal if you didn’t need to use your credit card in an emergency and instead had enough money in a liquid account, such as a savings account. When you’re on holiday and don’t have enough money to cover a car repair or some form of unexpected cost when you’re away from home, a credit card can come in handy. Other circumstances, such as an unexpected medical bill or losing your work, can quickly deplete any emergency savings, so getting at least two or three credit cards can come in handy in a pinch (the present Covid-19 pandemic being a good example). These cards should ideally have no annual charge, a high credit limit, and a low-interest rate.

Conclusion

Our final thoughts on the hidden reality of credit cards are that using many credit cards has a lot of advantages, but only if you use them responsibly. So, be aware of the benefits each card provides, the credit limit on each account, and, most importantly, the payment due dates to ensure that having multiple credit card accounts works for you rather than against you. Be aware of all marketing grimaces and take help from credit experts from an organization running for your benefit. If you didn’t find anyone worth your trust, come to Atlanta Credit Experts and get the solutions to all your financial worries.

Source:- Hidden Reality of Credit Cards

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More On Insurance:

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How Much Does Safeway Auto Insurance Cost? According to Consumer Affairs, Safeway’s insurance is probably the least expensive company of the bunch, according to Find the cheapest rate by using now. Have Safeway Insurance Clients Help Compare Rates from Other Companies? Most major insurers — including Safeway and Nationwide — charge higher premiums when it comes to using credit scores, though at a reasonable rate. That’s partly because those insurers understand that drivers with blemishes from previous accidents and crashes may want to get better deals elsewhere. For that reason, Safeway and Nationwide offer savings every time the company provides drivers a better price. The company offers auto insurance discounts for: Safety features. Good student discount. Multi-policy discounts. Good driving discount. Good student discount (not to mention policy loan forgiveness). Policymaking discount. See how much cheaper auto insurance is for Safeway vs. other companies.? Find the best policy for you by comparing.

Free Auto Insurance Comparison

Free Auto Insurance Comparison Compare to find the lowest rates Compare to find the lowest rates » Listed are the top auto insurance companies in Minnesota, with full coverage included. • Nationwide: $1,518 per year. • Farmers: $1,703 per year. • Allstate: $1,706 per year. • Country Financial: $1,812 per year. LTD Insurance Group: $1,924 per year. Progressive: $2,033 per year. Drivers in Minnesota need to be extra diligent to find affordable car insurance. The state’s high rates of uninsured drivers and distracted driving are two of the major reasons for this high ranking among the insurers, and drivers also need to be diligent to find the cheapest car insurance rate. According to the National Highway Traffic Safety Administration’s (NHTSA) 2018 Fatal Accident For Drivers • Minnesota: 17.

Car Insurance Quotes from Trusted Companies

Car Insurance Quotes from Trusted Companies This is one of the better review providers for Trusted Auto. Trusted Auto reviews are generally very positive, in fact, in this case they received a 5 for this particular one. It is always a pleasure to work with our friends. They really enjoy helping us find insurance! They were very helpful and really answered all our questions. Trusted on their review experience. The Trusted Choice Choice One Insurance offers car insurance for less. While this is an important point.

[shivambhattnoida]

Buying Life Insurance Policy Online: myths and facts

Life insurance is one of the best ways to secure your family’s financial position and make sure their dreams are satisfied even in your absence. Life is filled with uncertain activities such as accidents, mishaps, loss of income due to any critical illness, unforeseen situations, or even death of the primary breadwinner. If you buy life insurance online, it acts as a financial instrument to safeguard your family’s day to day expenses and also allow them to take care of your liabilities that you may have incurred to buy a house, a car or even taken a personal loan for resolving the financial debts during unpredictable situations.

It is very important to stay informed and educated with the various life insurance policies available, especially if you choose to buy life insurance online. Knowing the policy’s details and its offerings will help you choose the right life policy that fits your requirement. The best way to get the right source of information is to go to the policyholder’s website. The online platform also gives you room to visually see all the reviews, feedback, and the terms & conditions of the plans. It provides you with a detailed understanding of buying a term insurance policy.

The insurance companies typically assume that online visitors are mostly from the educated sector of the society, and hence it is not required to explain the details of a policy. Despite all the perks that the online option of buying a life insurance offers, there are few misconceptions and myths pertaining to the life insurance policy.

The purpose of this article is to make you understand the benefits of buying the life insurance policy online while burying the common myths that most of you might have. Let’s look into the various myths plus the facts of buying a life insurance policy online.

Myth 1: Online term plan is expensive

The primary myth that most people have is buying a life insurance policy online is costlier than offline mode. But the fact is, purchasing life insurance online is the cheapest method of availing an insurance policy at a very affordable cost. For example, an online term plan for a sum assured of Rs 1 crore can be availed for a premium of Rs 7000 per year. A similar plan if purchased offline would cost at least 20 to 30 per cent more.

Myth 2: Online transactions are unsafe

Many feel that to buy life insurance online will lead to your bank account getting drained due to online frauds, hacking etc., or the transactions conducted online through payment gateway might have hidden costs. While there are risks involved, it is not true that all online transactions are dangerous. Transacting online is the most transparent. You know precisely the policy’s pricing, transaction details including fund transfer details are sent to your registered email address, followed by the hard copy delivered to your registered home address. In offline mode, you may be forced to visit the insurance office multiple times to get a physical copy of premiums paid.

Myth 3: Difficulty in claim settlements

When you decide to buy life insurance online, it is generally suggested to check if the insurance company is prompt in settling claims as any delay will only affect your family. But buying a life insurance plan online provides you with an easy process to apply for settlements for your family after your death or even for you when you are subjected to a critical illness disaster. This is because there is no disparity shown by the insurance company between online or offline purchasing decisions settling the claims. Therefore, the myth that a life insurance policy bought online will not allow you to get the settlement entirely is not true. If you opt to purchase life insurance from a company with a bad claim settlement ratio, it takes a lot of time to get the sum assured.

Myth 4: Lack of personal assistance

People generally think that when they buy life insurance online, there is no customer support available in case of any issues with the policy. But tools are being introduced by insurance companies that act as a personal assistant in providing suggestions throughout your purchase journey. The general complaint on offline purchases is long queues, never-ending paper works and agents fighting to get hold of their commissions by forcing you to buy a policy which may not match your requirement. So the notion of having to handle everything by yourself in case of an online policy is not true and is just a myth.

Myth 5: Confusing to choose

One of the silly myths of going ahead to buy life insurance online is, there are multiple choices put up insurance companies that may confuse the buyer to come to a decision. But the online medium gives an overview of various offerings that is necessary while choosing the policy. It will only educate you to make the right decision rather than leave you to decide what your agents show for meeting their incentives.

Myth 6: Lack of information security:

The personal details entered in the online form while you buy life insurance online are stored in secure servers. It is no longer an issue as all the insurance policyholders follow strict information privacy and security norms to ensure the data is stored and managed accurately. Insurance companies invest millions of dollars in safeguarding their servers, and the thought of your information being misused or hacked is unnecessary.

With advancements in technology, you can now buy life insurance online without any worries and quickly the various mentioned benefits, wiping away the myths. To make your choices clearer and aligned with your life goals, you may visit the website, Bimakaro.in helps to shortlist insurance policies based on critical parameters. The plans can also be compared with each other, enabling you to know each’s advantages and disadvantages without any bias or influences. Don’t wait. Try out Bimakaro.in now!

[meraenthusiast]

Real Estate Investing 101 For Doctors

Real Estate Investing 101 For Doctors

Real estate investing has started to become popular among doctors and other high-income professionals as they have begun to focus on growing multiple streams of income.

If done right, you could see great returns on your money but, as with any type of investment, “never invest in anything you don’t understand (or can’t explain to a 5th grader.”)

Even Mark Twain knew that real estate investing was valuable as he said, “Buy land. They’re not making it anymore.”

One of the reasons that holds most back from real estate investing is lack of knowledge. One misconception is that it takes lots of time and money but you’d be surprised at the multiple different ways you can get started in real estate.

If you’re not sure where to begin, let’s start off by addressing the different types of real estate investing.

4 Types Of Real Estate Investing

Wikipedia defines real estate investing as the purchase, ownership, management, rental and/or sale of real estate for profit.

The four main categories real estate is generally broken down into:

1) Residential real estate

Most are familiar with residential real estate which includes:

single family homes

condos

townhouses

duplexes/triplexes/quads

2) Commercial real estate

Commercial real estate is property that is used for the purpose of business to make a profit.

Examples include:

office buildings

retail (strip centers)

storage units

multifamily (five units and larger)

3) Industrial real estate

These properties serve an industrial business purpose.

Examples include:

shipping warehouses

power plants

factories

4) Land

Land is property without structures residing on it.

Owners can earn money from land via:

development/sale of the land

usage such as in farming/agriculture

4 Ways To Make Money In Real Estate

#1 Cash flow 

Cash flow is what’s left over after all the property expenses (i.e. property management company, lawn care, paint, etc.) and mortgage is paid each month.

One of the first places I learned about cash flow was from the book Rich Dad Poor Dad.

Cash flow is what attracts most to become real estate investors as it helps to eliminate the fear of outliving your money during retirement. Unfortunately, we’re taught to save and invest in things such as mutual funds and stocks instead of invest in real assets like real estate.

If you invest in the stock market then you don’t have a continuous stream of cash flow coming in long term which causes you also to cut back on your expenses.

What’s the point of working your entire career to get to our golden years yet have to live like a monk!

#2 Appreciation 

If you’ve ever bought and sold a home for a profit, then you’ve experienced appreciation.

Appreciation happens when the value of a property increases (appreciates) over time. Just like the stock market, there are ups and downs in the housing market (2008 crash). But historically, the value of real estate has typically increased in the U.S.

There are two main types of appreciation:

Passive

Passive appreciation happens as a result of time. Typically the overall value of homes seems to increase at a rate in line with inflation (around 3-4%).

Forced

Forced appreciation is the concept of increasing the value of the property while physically updating/improving it. This type of appreciation are seen in the value-add deals.

Ways that this can be achieved are by updating counter tops, appliances and lighting. By doing this, rents are able to be raised thereby increasing the overall net operating income.

This, in turn, increases the building’s value.

#3 Loan amortization

Amortization is the process of paying off a debt (in this case, a mortgage) over time through regular payments.

A portion of each payment is for interest while the remaining amount is applied towards the principal balance of an investment property.

An amortization schedule is determined by the percentage of interest versus principal in each payment.

Initially, a large portion of each payment is devoted to interest. As the loan matures, larger portions go towards paying down the principal.

What’s great about this is that the tenants are actually paying down the mortgage each month so you don’t have to take out a huge loan to cover the property.

Here’s an example:

Let’s say you wanted to buy a property such as an apartment complex for $500,000 with a mortgage of $400,000. During the time that you held it, it broke even (had $0 in cash flow) and never appreciated – which is very unlikely.

Stay with me here while I try to make a point.

So after the 30-year mortgage is paid off, guess what? You now own an apartment complex free and clear worth $500,000 that you never had to save for.

Why? Your tenants bought it for you via the loan pay down. No wonder investing in the real estate market is good stuff!

#4 Tax advantages

One of the most overlooked advantages of building wealth with real estate are the tax benefits that are associated with it.

As a side note, most doctors only have one income source, active income, which is the highest taxed income of all.

Once they realize that gaining passive income streams are taxed much lower (at capital gains tax levels) then they realize what they’re missing out on.

The IRS loves for people to buy real estate and for this reason, they offer many awesome tax breaks.

Some common deductible expenses are:

renovations

property management expenses

insurance premiums

property tax

Over time, wear and tear lowers the value of rental property and its contents. This process, known as depreciation, is tax deductible.

The deduction can be taken for the expected life of the property, but it must be spread out over multiple years.

You can obtain a cost segregation study to help which identifies and reclassifies personal property assets to shorten the depreciation time for taxation purposes, which reduces current income tax obligations.

You can also take advantage of a 1031 exchange which may allow you to defer taxes from any sale indefinitely.

Active vs Passive Investor?

One of the biggest decisions that you’re going to have to decide is on which route you want to take: Active vs Passive Real Estate Investing

For me, I thought I wanted to be an active investor as it was the only thing I knew about once I started the self-education process.

I have several friends that manage properly locally in my town. I spent several months picking their brains about the pros and cons of being a landlord and even went to look at a few single family homes with them.

But then I realized while going through the process that I didn’t want a second job. My goal was to create other income streams so I can start to free myself from work and spend more time with my kids (while they’re still under our roof.)

Again, what’s best for me may not be for you so. My advice is to think long and hard to help direct you down the right path.

Active investor (Do-it-yourself)

Most active investors (landlords) that I know that also have a “day job” typically have been involved in real estate in some form or fashion in the past. Unlike them, I was never exposed to any type of real estate except for the home I grew up in.

If you want to pursue the active real estate route, you need to have two things at your disposal:

Time

Expertise

Here’s a few questions to answer:

Does your full time job and family obligations leave you enough spare time to be an active investor?

Have you been exposed to real estate investing? If not, how do you plan on educating yourself?

Have you had a mentor show you what it takes to be successful in this business?

If you’ve answered “no” to these questions then perhaps you’re better off passively investing.

Passive investor (Hands-off)

Here’s the good news. There’s multiple different ways to invest passively in real estate especially for doctors and other busy professionals.

Again, this is the route I chose as I wanted the benefit of an extra stream of income and more free time minus the headaches of managing property myself.

For me, this was a win-win situation.

Putting It All Together

Studies show that 90+% of U.S. millionaires have real estate in their portfolio including real estate investment trusts (REITs). They know that real estate investing has a proven track record and offers the potential to earn significant returns and diversification to portfolios

After you determine whether your want to become an active or passive investor, make sure you understand and weigh the risks and potential rewards before beginning.

Spend time educating yourself so you’ll be able to make the best decision you’ll need moving forward.

The post Real Estate Investing 101 For Doctors appeared first on Debt Free Dr..

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[resolvlyllc0]

8 Myths About Settling Credit Card Debt

The offer of settling your credit card debt can be very tempting. When you’re dealing with a substantial amount of debt, this is especially true. However, not every person struggling with debt is best served by settlement.

Here are eight common misconceptions and myths about the settlement, as well as the truth you need to know about credit card debt relief:

Myth 1: You Can Get Your Debt Slashed for Any Reason

There are many reasons why a credit card debt relief agency may choose to help you reduce your debt load. However, not every reason is a legitimate one - or one that will lead to you getting the help you’re looking for.

In general, debt relief agencies are looking to help people who are experiencing legitimate hardships. This may include medical issues and resulting debts, divorce, loss of employment, or other major concerns. Simply not want to pay your debt down despite adequate resources to do so is not considered a legitimate hardship.

Myth 2: It Costs Money to Get Out of Debt

You don’t have to pay someone to help you get out of debt. It is perfectly legal - and sometimes advisable - to negotiate your debts with creditors yourself. While this may save you money, it isn’t always effective. If you find that you aren’t having success negotiating on your own, consider partnering with a professional.

Myth 3: That Money is Due Upfront and Out of Your Control

If you do pay for help with debt settlement, debt relief agencies are no longer legally allowed to accept fees upfront. As of October 2010, they are required to reduce your debt first.

Myth 4: It Won’t Cost Much to Settle My Debt

This myth is sometimes true, but often not. Most debt relief agencies require payment on a percentage basis calculated from the total amount of your debt. That means that those with larger debt loads will owe more - sometimes a substantial amount.

Myth 5: Debt Settlement Won’t Impact My Credit Score

This simply isn’t true. Debt settlement can impact your credit score as much as a bankruptcy or other major event. However, this only happens once the event is reported, so expect a delay in that impact.

Myth 6: Deciding Not to Settle Means the Debt Remains Forever

There is a statute of limitations when it comes to collecting on debt. Laws vary from state to state and by circumstance, but in general, if a debtor has not paid on an account for long enough, it is no longer enforceable for collection.

Myth 7: After Negotiations End, Debtors are Free of Debt

It is important to remember that not all debts are eligible for discharge or settlement. This may include unpaid taxes, alimony and child support, and some types of student loan debt. Talk to your financial expert to learn more about what debt you might be left with after settlement.

Myth 8: Bankruptcy or Settlement Are My Only Options

There are always options for handling your debts. If you are experiencing a crisis like a divorce or job loss, for example, you may be able to negotiate forbearance. This will give you time to get your finances in order so that you can pay down your debts on a time table that works for you.

If this leaves you with any questions, be sure to address them with a financial and legal expert. They can help you navigate the settlement process and get the best possible results.

[myfinanceblog]

New Post has been published on My Finance Blog

New Post has been published on http://princefinance.princefamily33.com/2019/04/11/great-debt-consolidation-tips-and-techniques-to-help-you-8/

Great Debt Consolidation Tips And Techniques To Help You

TIP! Don’t be fooled by debt consolidators just because they claim to be nonprofit. It is a common misconception that this label indicates a firm is a step above the rest.

Is your debt giving you nightmares? Have you attempted to juggle lots of bills, only to see yourself get behind and stressed out? If this is you, debt consolidation may be a great option. These are great programs that can help you to resolve your debt problems. It’s important to know how they work. Read on to find out about debt consolidation.

TIP! A personal loan is often an effective way to consolidate many high interest debts. Contact a loan officer to see if you can qualify for a loan.

Did you know that your life insurance can prove beneficial when considering how to pay your debt? If so, consider cashing in your policy and using the funds to pay down your debt. Contact your insurance agent to find out how much you could get against your policy. It may help you reduce your debt to a more manageable level.

TIP! You need to do your homework on a potential debt consolidation company before working with them. Look at reviews on a company.

Many credit cards will negotiate a lower rate to keep you as a customer, but you have to ask them for it. Many creditors want to help people become debt-free, so they’ll work with creditors. Note that some creditors, such as credit card companies, may lower minimum payments but will also prevent you from incurring more debt till your account is paid off.

TIP! Understand that your credit score will not be affected by a loan for debt consolidation. In fact, if you pay it off on time and in full, it will make your score go up.

It’s never a good idea to take a loan from a company (or individual) that’s unfamiliar to you. Loan sharks are aware that you’re in a poor situation. When you want to consolidate your debts, find a reputable lender who offers a competitive interest rate.

TIP! Debt consolidation can be the help that you are looking for if they are not a scam. If a loan appears too good to be true, it probably is.

After starting debt consolidation, start using cash. You don’t want to get into the habit again of relying on your credit cards. That might be the reason for your current situation! When you buy things only with the cash you have on hand, you will be making a good financial decision.

TIP! If you need to eliminate debt and feel desperate, you might borrow from your own 401k. This is an alternative to taking a loan from a traditional lender.

If you have no other option when it comes to your debt, you may want to consider borrowing from your 401K. In essence, you’re borrowing from yourself. Be sure you know what you’re getting into, however. You still want to make sure you’ll have some retirement money left.

TIP! When you’re filling out the paperwork for a debt consolidation loan, make sure you do it correctly. You have to pay close attention.

Debt consolidators need to use personalized methods. If they use a “one size fits all” approach instead, move on to a different firm. Reputable debt counselors work with you and come up with a personalized plan.

TIP! Be sure you know the physical address of any debt consolidation service you’re thinking of using. Some states do not require any credentials or licensing to start a new debt consolidation business.

Before using a debt consolidation program, find out whether or not they offer individualized payment programs. For many of these companies they go with one standard approach for everyone, however, this might not work for you because your situation could be different. Locate a firm which offers payment plans which are personalized. It may appear as though this would be more expensive, it will actually help you to save money later on.

TIP! There is no law stating consolidators in Maryland or Florida must have a license. If you reside in one of these states, you may want to find an out-of-state consolidation firm to use.

Prior to taking on debt consolidation, attempt to negotiate with creditors. For example, ask your credit card company if they will give you a break on your interest rate if you cut up the card and stop using it, moving to a fixed rate plan instead. You won’t know what they can offer until you ask.

TIP! A mortgage could be refinanced if you’re trying to avoid consolidation loans. The money you save on your mortgage payment should be used to cover your most outstanding debt.

Debt consolidation is a great way to get out of debt, if you fully understand how it works. Use the information from this article to start looking for a program that is right for you. Therefore, make sure you take enough time to learn as much as you can about this subject. This is a great way to be sure you’re able to succeed financially.

[martechadvisor-blog]

Practical ways to Leverage Search for Strategic Outcomes: Tips from Searchmetrics

Why should marketers be more strategic about the way they approach Search? Jordan Koene, CEO of Searchmetrics Inc, shares some practical ways to leverage search as a strategic part of marketing in 2019.

Search is always hiding in plain sight. We all know it’s there; but its esoteric and keeps evolving, and typically left to the ‘search expert’ – either inhouse or the Agency. While no marketer will ignore Search in their strategy, they also shy away from getting completely involved or even treating it as a strategic part of their marketing efforts. Let’s face it - once your team or Agency has managed to hit page one of Google for your ‘focus keywords’, just how much attention do you focus on search?

While marketers have been faced with the specter of Google’s ‘changing algorithms’ for a while now; at MarTech Advisor we are sensing a slightly altered narrative. Just as the approach to Content Marketing is shifting to Content Experiences, there is a definitive shift in the way marketers are approaching search too. The tow are anyway inextricably linked. New concepts such as voice, visual and vertical search aside, Search is also helping drive content discoverability more purposefully through the customer journey. In other words, it is becoming more strategic to marketing, rather than a box that needs to be checked. We spoke with Jordan Koene, CEO of Searchmetrics Inc, about what Strategic Search means in practice, and came away with some pretty practical and powerful tips for you to try! You may find that you’ve been missing the obvious.

Also Read: Winning with Search in 2019: Talking SEM & SEO with the other Alexa

He starts by telling us that CMOs typically approach Search from the brand or direct traffic point of view. “SEO is often taken for granted - as a guarantee. However, the dynamic nature of SEO requires CMOs to understand various factors which are often outside the scope of ‘marketing’, making it challenging to understand the evolution and factors which drive results.”  Perhaps that is why marketers have tended to ‘leave search to the search guys’ so far.  The first mistake.

So, what other the typical misconceptions or missteps do marketers make with their Search – both paid and organic - strategy? Jordan says “The most common misconception and misstep is overlooking your website. The website matters! The quality of a website is the most important driver of success in search. Commonly this is considered mostly as being important for conversions, but it stretches beyond. The quality of a website includes areas such as site speed, user experience and mobile experience. When measuring the outcome, it becomes critical to have the right tools to help you understand the impact of website quality factors. And since these factors are not limited to your own website, it is important to monitor rankings and changes within competitive sets. These data points help marketers reach the best possible outcomes.”

Its critical to get Search right; because “Competition for rankings has grown exponentially, today we have 4 times the number of websites from 2010, nearly 1 trillion websites.” To leverage Search, especially in content-marketing driven scenarios, marketers need to focus on “a content strategy which constantly evolves and makes changes to address customers’ needs.”

Here are Jordan’s Top Tips on some essential facets of Search:

1. For mobile search:

Mobile search success is no longer about being mobile ready. Having a mobile website was a requirement 5 years ago. Today the game is about mobile capabilities - including your mobile speed, UX factors and content accessibility.

Focus on optimizing your mobile experience to outperform competition- this is the new normal for winning in mobile rankings.

  2. For small to mid-size marketers

With limited resources, what should SMBs wanting to build a competitive search strategy prioritize?

Focus on making your website fast! Reduce image sizes, challenge vendors on improving speed and reduce tags and other elements which require load time. From here, ensure your content coverage is adequate for the keywords you wish to target. Create a keyword topic graph and ensure you are covering all of them adequately.

  Also read: Voice Search Habits and their impact on local business

3. For B2B marketers

B2B marketing is centered around content marketing, and content marketing in the digital space itself is very dependent on search. How can B2B marketers better leverage search? Jordan agrees that B2B businesses often invest in “high cost, high return content such as whitepapers, research studies and long form content” (whereas B2C businesses are often more focused on scaling content by prioritizing content sources like reviews, articles, descriptions and Q&A content.) The best policy for B2B marketers would be:

Refine, add, refine, add and refine more. Successful Content has a life cycle which changes over time and requires investment from content teams to keep the content fresh and relevant. No static content will maintain any form of rankings.

  4. On Vertical and Voice Search:

New ways of consuming content will mean new models for search optimization.

Both vertical and voice search will grow at a significant rate over the coming years.

In vertical search, the user value is identifying results quickly and within the addressable vertical, for example finding a restaurant on Yelp.

For voice search to evolve and grow will require an expansion in the use of IOT and other devices in our lives. Its true value will be connected to the devices and tools we use in everyday life and how voice commands make life easier.

  Also Read: The New Search: Four Trends Reshaping Consumers’ Most Fundamental Digital Activity

5. On new or important trends in Search

I continue to monitor the clean-up process many “old” websites undertake. This includes the technical and content debt removal from websites. This is a new phenomenon but critical to prioritizing website performance and important content.

The second trend I am watching is the evolution of search integrations and how brands leverage them. This includes how they use knowledge graphs and other universal search integrations within Google. At some point, these will be a critical component for voice search and leading brands will have to find ways to capitalize on these positions.

  More about Jordan

Jordan is a digital marketing expert who, aside from leading and executing various strategic needs of the US operations of Searchmetrics, also presents at various industry events on search and content marketing. Before Searchmetrics, Jordan was the Head of SEO and Content Development at eBay.

As a digital marketing expert, Jordan has presented at various industry events (SMX, Pubcon and Digital Summit Series) sharing insights about successful Search and Content marketing.

This article was first appeared on MarTech Advisor

[declankhan]

180 Day Waiting Period to Refile Bankruptcy After a Dismissal

Dismissal of a bankruptcy case is unfortunate and can happen for a number of reasons. The Bankruptcy Code places numerous responsibilities on debtors and failure to comply can jeopardize your case; making it important to consult with a knowledgeable bankruptcy lawyer before filing. When a bankruptcy case is dismissed without issuance of a discharge, you are once again at the mercy of your creditors, meaning collection efforts can resume.

Common Reasons for Dismissal

2005 changes to the U.S. Bankruptcy Code now require all debtors to complete a credit counseling course from an “approved credit counseling agency” within 180 days before filing their petition. Failure to comply with this requirement will result in an automatic dismissal of the case. Similarly, a bankruptcy case will be dismissed if the debtor fails to appear at the meeting of creditors or does not file a financial management certificate with the court soon thereafter.

Other common reasons for a bankruptcy dismissal include:

Concealing property or transferring property within one year of filing for bankruptcy, in an attempt to defraud creditors

Unable to explain missing assets

Destroying or failing to keep good records

Lying under oath

How do I refile bankruptcy after dismissal? How long do I have to wait to refile?

What to do in the event of a dismissal? The answer will turn on exactly why your case was dismissed. If you’ve dismissed your case in bad faith or it appears you’re trying to game the system, you might have to wait 180 days before refiling. Section 109(g) of the Bankruptcy Code prevents a debtor whose case was dismissed from filing another bankruptcy for 180 days if:

(1) the case was dismissed by the court for “willful failure of the debtor to abide by orders of the court, or to appear before the court in proper prosecution of the case” or (2) the debtor requested and obtained the voluntary dismissal of the case following the filing of a request for relief from the Automatic Stay.

While exactly what constitutes a “willful failure” to abide by the orders of the court is a fact-specific inquiry that must be decided on a case-by-case basis, it is unlikely that a creditor or U.S. trustee would object to a case being refiled that has been dismissed for failure to take the credit counseling or financial managements courses. In these cases, the debtor will almost always be permitted to refile right away without any hassle.

Can I file Chapter 7 after Chapter 13 is dismissed?

Although the order for filing Chapter 7 and Chapter 13 matters when you receive a first discharge and are looking to file again years down the road, there are limits to how many times you can receive a discharge.

Per the United States Courts:

The court will deny a discharge in a later chapter 7 case if the debtor received a discharge under chapter 7 or chapter 11 in a case filed within eight years before the second petition is filed. The court will also deny a chapter 7 discharge if the debtor previously received a discharge in a chapter 12 or chapter 13 case filed within six years before the date of the filing of the second case unless (1) the debtor paid all “allowed unsecured” claims in the earlier case in full, or (2) the debtor made payments under the plan in the earlier case totaling at least 70 percent of the allowed unsecured claims and the debtor’s plan was proposed in good faith and the payments represented the debtor’s best effort. A debtor is ineligible for discharge under chapter 13 if he or she received a prior discharge in a chapter 7, 11, or 12 case filed four years before the current case or in a chapter 13 case filed two years before the current case.

However, if your first bankruptcy case was dismissed, including a voluntary dismissal, you can generally file again for either Chapter 7 or Chapter 13 at any time. That is, unless the court says differently.

The 180-day wait period to refile a dismissed bankruptcy case was put in place because of the power of the automatic stay and its ability to stop creditors in their tracks. Readers of this blog will recall that the automatic stay is an injunction issued by the bankruptcy court that prevents collection activity of any kind after a case has been filed. Especially in the real estate context, repeatedly filing bankruptcy and then voluntarily dismissing the case can indefinitely frustrate lender foreclosure efforts. The Bankruptcy Code addresses this loophole by preventing a case from being refiled that has been dismissed after a creditor has moved to lift the automatic stay.

Similarly, the automatic stay is limited to 30 days if a debtor files for Chapter 7 bankruptcy within one year of a previous case being dismissed. In any bankruptcy filing, you’ll want to talk to an experienced bankruptcy lawyer who can help you get your debts discharged.

Free Consultation with Bankruptcy Lawyer

If you have a bankruptcy question, or need to file a bankruptcy case, call Ascent Law now at (801) 676-5506. Attorneys in our office have filed over a thousand cases. We can help you now. Come in or call in for your free initial consultation.

Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

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What Is the Student Loan Consolidation Rate

The student funding debt consolidation is the merging of numerous student finances, as well as is done to save money on rate of interest and also for the ease of one settlement rather than numerous. There are a lot of points you need to know concerning student loan combination, and this site supplies the info you need to choose.

Loan consolidation Atlanta title loans - Information

It is most likely that if you mosted likely to university is most likely to stick with some sort of trainee loan financial obligation. Each year, obtain, this is a new and unique lending that helps pay for your tuition and living expenditures. When all is stated as well as done, however, among the very best ways to conserve cash is via student finance debt consolidation. In a pupil finance combination, you get a funding paid incomplete.

The student loan consolidation is a secret to many college trainees as well as grads. The truth is, nonetheless, the combination car loan could save you much loan. On top of that, you can settle your financial debt faster so that your university years are not chasing you in your retired life years. Just what an alleviation car loan combination offers trainees

There are lots of methods you could obtain a consolidation funding. You can obtain government car loans, a financial institution or an exclusive lending institution, however whatever you prefer to do so; consolidation will certainly have a large effect on getting out of college under their financial debt. The idea is that it takes just one repayment each month, so you can pay your financial debt off faster and with lower regular monthly repayments compared to you think generally.

Funding loan consolidation existing pupils.

It is a reality that nearly half of all university student graduate with a level of student car loan financial debt. The average debt of $ 20,000 is focused on. That suggests a whole population of young people with major debt as well as no education and learning on ways to manage it. A lot of do unknown, however the truth is that a lot of these students are satisfied to consolidate car loans and at school.

Regardless of what many believe, student funding consolidation does not have to wait until after college. In truth, there are numerous advantages that have been consolidating while you are still in institution. Settling pupil car loans while in institution can reduce the financial obligation prior to you also begin to pay debts. That, however, is just the beginning.

Another advantage of the consolidation of trainee funding debt while still in institution is that you could avoid any kind of rises in rate of interest. In July 2006, rates of interest for federal pupil car loans climbed dramatically. There is absolutely nothing that prevents this sort of trips that happen as soon as again. The earlier your financial debt is consolidated and also secured, the less likely sufferer of a fast price of rise.

Similar to anything, make certain that combining pupil loan debt prior to you graduate will certainly benefit your particular scenario. For the most parts, nevertheless, is an excellent economic base as well as progress. Lightening your debt before he was also paying it is an excellent benefit. Undoubtedly, it could be the distinction in paying their car loans off in 10 years or 30 years.

Advantage Credit

Combining your student loan financial debt can do greater than simply lower your long-lasting financial obligation. The truth is that consolidation could help you increase your credit rating throughout the loan. This, subsequently, will certainly aid you acquire a better cars and truck, obtain your house you want, or wind up with a reduced rate credit rating card. Yet how can a debt consolidation pupil finance can assist you raise your debt? Think about some of the actions made use of by credit scores ranking companies reporting.

Initially, more opening the accounts with the most affordable score will be, in general. Throughout his student life, which will be held till 8 loans to pay for their education. Each of these is revealed as a different account with its own passion payments and also principal. By combining, you close the accounts to one account. So as opposed to 8 charge accounts, you have one. This right will not aid you certify.

Second, you will certainly have reduced repayments after you have combined your pupil finances. When the number of firms reporting your credit report rating, they do considering their minimal monthly settlement. Instead of having a number of settlements monthly for your student car loans, you have a settlement that is less than the amount of the repayments of age. Once more, consolidation aids your score.

As a last point, that boosting your debt to credit report rationing. When your rating is figured, the discussion of reports entertain inspect your financial debt to offered credit score test versus credit made use of. When you have much more credit history readily available, yet less used (like when you consolidate student finance financial obligation) after the instance of a greater score. So, if for no various other factor, take into consideration combining to assist your credit rating.

Beware of traps when you make lending debt consolidation

As we come close to the end of his university job, you have actually certainly obtained a variety of leaflets, mail and also e-mail concerning settling your finances Each business has any kind of factor you must most likely to them for their loan consolidation. Nevertheless, you must realize that in some cases there are many catches all those pledges. Expertise of the catch can aid you prepare making a wise choice on your consolidation loan. Do not go down the initial combination of trading that falls right into your lap. Thoroughly think about the alternatives that are delivered to you.

An incentive could be used is typical to all price cuts. They will certainly tell you that if you make a series of settlements on schedule, you will get a discount. The only trouble is that to preserve the price cut, you have to make timely payments for the lending then. That may have up to 20 years. A hold-up in the repayment in eventually throughout that time and also "discount" is gone.

One more means to get captured in an and also is when you get the offer of a done in one structure. In this funding, the business supplies to take in all of its financial debt, consisting of bank card, car financings, and other debt you have. It is alluring to have everything wrapped right into one financing, but shed the capability to postpone its predecessor or pupil fundings The loan will certainly no more be secured as a trainee finance.

As a last factor, take care with transforming your e-mail address or moving. 1 or 2 letters misdirected, or even worse, the wrong positioning of emails and a loan provider can make you pay the price. You can lose a price cut or paid extreme charges. As a result, it is unaware of any kind of company that provides purely to collaborate with you through email.

Know just what you obtain when it comes to loan consolidation fundings.

It is very important to be familiar with just what they are qualified under the Higher Education Act. There are specific advantages for a government trainee car loan and settling it. Note that several loan providers supply special advantages loan consolidation as these that are distributing. They are, as a matter of fact, offers to do Consider some of the most typical.

At the very same time if you obtained a letter marketing the appeal is that a company wants to offer a fixed price? If you have, not remarkably. In fact, every person needs to offer a set rate under the Higher Education Act. This is not an incentive, simply what you anticipate. Do not drop the line that are offering even more compared to they are entitled to.

An additional you may observe is that there will certainly be a credit check. Once again, this is not only common however likewise necessary. All firms that collaborate with the pupil lending combination need to do without a credit scores check. Knowing what a company is required to use you help in determining if the establishment is in fact supplying a bargain or are deceptive, you might believe you are getting a real bargain, more compared to are called for to receive by law.

As a last factor, you ought to never ever have early repayment fines. No matter exactly what the company promotes that all their loans without prepayment charges combine. This is absolutely nothing special. When you are looking for benefits, after that just make certain you are using something truly unique.

Myths regarding debt consolidation lendings.

Just like any economic matter, there are a great deal of false information floating around the student car loan combination. These little myths typically keep individuals from consolidation when, actually, is best for them. By having a look at some of one of the most usual misconceptions, you will be able to understand just what holds true and what is not there.

It is absolutely specific that you will lose your eligibility deferment if consolidating your trainee finances. By settling, in reality, to maintain the core deferments can be a fantastic assistance pay part of the time. Deferrals can be made since in school, go to graduate institution, economic difficulty, joblessness and also to call a few.

Consolidating your trainee funding is not like this refinancing your house necessarily. Some people fret that if they consolidated from over payments and also interest as well as will wind up paying much more in the lengthy run. That's not real. On the one hand, you could pay early with no penalty. Second, obtain a better rate as well as can repay all fundings under which a cost. The debt consolidation, if anything, lower the term funding when it's all stated and done.

As a last factor, it is easy to believe that loan consolidation is for those that do unknown just what they are performing with their fundings. It is unclear whether this suggestion originates from, but is so usual that many think it is and also the evasion of debt consolidation. The fact is that combining your pupil financings, for the most parts, an audio monetary relocation. You save money as well as decrease the lending duration. It's that straightforward.

Finance debt consolidation, as do.

The procedure of getting your pupil fundings consolidated is surprisingly easy. Once you have actually determined that you make use of for your combination application is just about a page long. A lot more interesting is that there are numerous ways to fill the requests. Have a look at the different alternatives available to you so you can make a decision which means works best for you.

One option is, naturally, do so in person. You could always most likely to the financial institution or banks that is to combine your lending and also take treatment of it. Fill up, authorize, and he did as well as in his method. The lending institution will review your demand as well as contact you with your decision. Whatever, if they live nearby?

Surprisingly, you can complete your application over the phone. It is not actually load you on the phone, but the intro of details you can proceed and lock types for consolidation. Once you have actually done this, it will likely be sent out by email or files for you to finish total, indicator and also send back in.

Third, right now is not surprising that you could complete your application debt consolidation financing over the Internet. Many lenders have protected web sites with the application there to fill up. Once they do fit, you obtain a copy, as well as all the care within days.

Find your lending institution

Undoubtedly, before it could combine, you require to locate a lender with which to arrange their loan consolidation. Fortunately, there is much competition around, which means two things. This means that firms are simple to discover and they are all going to contend for your company.

The starting point to look may be simply nearby or in your mailbox. As we approach the end of school or after the modification, concerning every lender will send you a leaflet, email, pamphlets, directories or information concerning the consolidation of their bundles. There is absolutely nothing wrong with browsing these free brochures. Often times you will certainly discover a good plan in this way.

One more choice, obviously, is to talk with your institution's economic aid office. A person could assist you locate just what you require. Just what's more, they have had experience in the location to know what to search for and also just what to stay clear of.

As a final factor, you can see online. There are many choices available as well as easy to shop by doing this. Be sure to speak to the locations in individual or by phone, however, prior to completing documentation. That means you could be sure that everything goes to optimum and even more. It's an excellent way to stay clear of online fraud and also just those who seek their harvest information as well as carry on.

As you could see, there are several options to discover your firm to consolidate student financings. Just see to it you constantly contrast and ask inquiries. Ultimately, the very best debt consolidation company is giving you exactly what you want.

Issues with your repayment?

Regardless of what you made with the consolidation, it is feasible that your student financing financial obligation can become too expensive. With only 10 years to repay, could finish up with fairly high repayment, specifically if you go to finish institution or even add more years to trainee job. Stop payments can really place an ache in your financial situation. There is a solution, nevertheless. If car loans and settlements are as well excruciating, you could constantly broaden. You can take the financing and stretch over years in a lot of cases.

Although the requirement is 10, your debt consolidation loan can, for the most parts, taken out a lot longer. You can extend to 15, 20 or perhaps Thirty Years. You will certainly make more passion in this way, however with a reduced month-to-month payment, you will have a lot more capital available with which to live your life. You need to choose if you are willing to pay more in interest making your finances extra manageable.

Think about it such as this. Would you rather own a residence as well as a new cars and truck while paying a bit more rate of interest, or if you do not pay their loans off in 10 years, however years pass, in a studio apartment with a negative vehicle and also not lease readily available? Most favor the previous over the latter. Consequently, there is no shame in extending the financing if that is just what we do.

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Non-Dischargeable Debts In Bankruptcy

Last month we featured an article that provided a general overview of the types of bankruptcy available to debtors who have hit hard financial times. We addressed the fact that despite the purpose of bankruptcy, that it is supposed to be a mechanism for giving the debtor a chance for a “fresh start,” the ramifications of declaring bankruptcy are far reaching and drastic, to say the least.

The article made the following points:

Debtors facing foreclosure and/or excessive debts are too often under the misconception that declaring bankruptcy is the perfect solution to these problems. Bankruptcy stays put on your credit record for quite a long time making advancing in life incredibly difficult. In addition, the updated bankruptcy law, passed in 2005, includes severe restrictions that make it more complicated to file for bankruptcy.

What this follow-up article hopes to achieve is to shed some light on the types of debts that are not eligible to be discharged in bankruptcy. As noted by The Simple Dollar, it’s important to understand that bankruptcy is not the cure-all to your financial problems, and that not all debts are eligible to be discharged in bankruptcy. For example, If you owe back taxes or child support, bankruptcy will not be able to help you.

Simply put: non-dischargeable debts are debts that don’t go away when you file for bankruptcy.

Check out: Tax Services in Arizona, Accounting Services Arizona

As The Bankruptcy Site notes, neither Chapter 7 nor Chapter 13 gives you a perfectly clean slate. Yes, many kinds of debts can be wiped clean, but in both scenarios, some debts cannot be eliminated.

Lawyers.com gives the following list of debts that will not magically disappear when you declare bankruptcy:

Debts Incurred After You File Bankruptcy

Any debt you have before you file for bankruptcy will go away (get wiped out) as long as it’s dischargeable. But, after you file—even while the bankruptcy case is still pending—debts you incur remain yours.

Secured Loans

A common question potential bankruptcy filers ask is whether it’s possible to keep a house or car after filing. The answer is yes—as long as you continue to make the payments. Mortgages and car payments are common examples of what are called “secured” debts. Any time you promise to give back the purchased property if you don’t make your payments, you have a secured loan. Secured loans are non-dischargeable in bankruptcy (unless you give the property back).

Unsecured Priority Debts

Bankruptcy wipes out most unsecured debt, but it doesn’t eliminate “priority” unsecured debt. There’s almost no way to get rid of priority debts. They also get paid before other unsecured debts if money is available to pay creditors. Here are some examples of unsecured priority debts.

Domestic Support Obligations

Your spousal support or child support payments aren’t dischargeable in bankruptcy. Child and spousal support generally encompass amounts necessary for the child or former spouse to meet basic living requirements. Money owed as a result of a marital property division is different than this kind of support—in some states it’s dischargeable.

Income Taxes

Bankruptcy crosses lots of minds when the tax man cometh. While it isn’t impossible to discharge unpaid income tax debt, it’s tough to meet the requirements.

Other Government Debts

Like taxes, many debts owed to the government (such as fines and penalties) are going to stay with you till the grave. But not all. If you aren’t sure how a given government debt will be treated, a bankruptcy attorney can assist you.

Student Loans

Even though student loans aren’t “priority” unsecured debts, you can’t get rid of them in bankruptcy—that is, unless you can demonstrate that you have an “undue hardship.” A disability that prevents you from working can qualify as an undue hardship.

Debt From Fraud, False Pretenses, and False Representation

Trying to work the system can come at a steep price. One consequence might be your debt not being discharged. The trick here is that debts resulting from fraud, false pretenses, or false representation are dischargeable unless your creditor files a lawsuit in the bankruptcy case, called an “adversary proceeding.”

Debts You Didn’t List in Your Asset Case

Contrary to common belief, “not including a debt in bankruptcy” isn’t an option. You’re required to list all of your debts when you file for bankruptcy. If your case is an asset case (one where there is money to distribute to creditors), and you fail to list a debt, the omitted debt is non-dischargeable.

Examples of Other Debts That Are Never Discharged

Child support and alimony

Fines, penalties, and restitution you owe for breaking the law

Debts arising out of someone's death or injury as a result of your intoxicated driving.

Between the discussion in last month’s and the current month’s articles on bankruptcy, it should be obvious that we are dealing with subject matter that is highly complex.

The bottom-line action point, however, is simple: If you happen to be entertaining the idea of filing bankruptcy, we recommend you engage the counsel of on attorney who specializes in bankruptcy matters.

To know more visit: https://www.compasspointcpa.com

[declankhan]

What Documents Do I Need to Bring When I First Meet with My Bankruptcy Attorney?

Filing for bankruptcy isn’t always easy. One of the biggest burdens under the “new” bankruptcy law that was forced upon debtors and their attorneys in 2005 was the requirement to produce volumes and volumes of documents. In addition to the formal schedules and statement of affairs, you’ll need to get together a lot of paperwork to file bankruptcy. One nationally known attorney from Utah has said that before the law was changed, he would tell his clients that you paid your attorney to run around the courthouse. Now, under the new law, you pay your attorney, and both the debtor and the attorney get to run around the court house.

In our experience, the presentation of the documents only serves to verify the truth of the matter, and that is that the overwhelming debt is much too onerous to deal with, and the need to file a bankruptcy is even more necessary. The frustrating part of the practice of law, in this regard, is the time-consuming task of gathering documents that state what is already obvious. Even so, submitting these “due diligence” papers is a major part of debtor bankruptcy practice today.

So, what sort of documents will you need for Chapter 7 or Chapter 13 bankruptcy, at your initial consultation with a bankruptcy attorney and beyond? Read on.

Bankruptcy Consultation Documents: What to Bring to Your First Meeting with Your Lawyer

The most important, mandatory documents to bring to your initial bankruptcy consultation are a list of your outstanding debts and a list of your assets, focusing on major assets, such as houses, cars, boats, trailers, timeshares and the like. We rarely ask for the actual bills from the creditors, as we routinely download a credit report, which captures most of the needed information.

Then, a recent pay stub is the next important item, plus a rough budget for your household’s income and expenses. These would be bare-minimum documents for an initial review.

What Documents You’ll Need If You File Chapter 7 or Chapter 13

If you and your attorney decide to go forward with your case, you likely will be provided with a detailed checklist of all the other myriad documents needed, such as loan payoffs, copies of titles, copies of tax returns, six months of pay advices, deeds of trust, proof of insurance, and on and on.

The United States Courts website has a full list of the Official Bankruptcy Forms that may be needed for filing bankruptcy, which include your Chapter 13 Plan, means test forms for Chapter 7, financial affairs and income statements, applications to waive filing fees, orders on reaffirmation agreements, orders for relief in involuntary cases, notice to creditors, financial management course certification, and more. Individual debtors will file forms that begin with the number 100, while non-individuals will file forms beginning with the number 200.

Thankfully, though, most of these documents can wait to be produced during the retainer and filing process, and need not be brought to the initial consultation. While debtors certainly are able to file for bankruptcy on their own without the help of an attorney, it’s generally not advised. Bankruptcy can be complicated, outside the dozens of forms involved, and just a simple mistake with a document or overlooking an asset can get your case tossed and your debts will not be discharged.

Contact a Bankruptcy Attorney Today for a Free Consultation

If you are thinking of filing for bankruptcy, you are not alone. Lawyers can help you decided whether or not you even need to file a bankruptcy, but if you do, they’ll let you know which chapter would be most appropriate. They can also tell you whether or not you’ll be able to keep your most treasured assets, including your house and car, and advise you about tax consequences and how to address bills during bankruptcy. They’ll also help you fill out all of the necessary forms correctly and make sure you’re not missing anything the bankruptcy court requires.

Free Consultation with Bankruptcy Lawyer

If you have a bankruptcy question, or need to file a bankruptcy case, call Ascent Law now at (801) 676-5506. Attorneys in our office have filed over a thousand cases. We can help you now. Come in or call in for your free initial consultation.

Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

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Repost: https://stevenrushutah.wordpress.com/2018/04/02/what-documents-do-i-need-to-bring-when-i-first-meet-with-my-bankruptcy-attorney/ * Steven E. Rush * https://stevenrushutah.wordpress.com/