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  1. <?xml version='1.0' encoding='UTF-8'?><?xml-stylesheet href="http://www.blogger.com/styles/atom.css" type="text/css"?><feed xmlns='http://www.w3.org/2005/Atom' xmlns:openSearch='http://a9.com/-/spec/opensearchrss/1.0/' xmlns:blogger='http://schemas.google.com/blogger/2008' xmlns:georss='http://www.georss.org/georss' xmlns:gd="http://schemas.google.com/g/2005" xmlns:thr='http://purl.org/syndication/thread/1.0'><id>tag:blogger.com,1999:blog-4056566482460090300</id><updated>2024-02-08T12:35:10.331-08:00</updated><title type='text'>SportHealthyLifeom</title><subtitle type='html'></subtitle><link rel='http://schemas.google.com/g/2005#feed' type='application/atom+xml' href='https://sporthealthylifecom00.blogspot.com/feeds/posts/default'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/4056566482460090300/posts/default'/><link rel='alternate' type='text/html' href='https://sporthealthylifecom00.blogspot.com/'/><link rel='hub' href='http://pubsubhubbub.appspot.com/'/><author><name>Blogrid3rd</name><uri>http://www.blogger.com/profile/13540741843926877824</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><generator version='7.00' uri='http://www.blogger.com'>Blogger</generator><openSearch:totalResults>3</openSearch:totalResults><openSearch:startIndex>1</openSearch:startIndex><openSearch:itemsPerPage>25</openSearch:itemsPerPage><entry><id>tag:blogger.com,1999:blog-4056566482460090300.post-7369301840677945283</id><published>2021-12-28T23:32:00.003-08:00</published><updated>2021-12-28T23:32:49.226-08:00</updated><title type='text'>Struggling With Debt?</title><content type='html'>&lt;p&gt;&amp;nbsp;During your lifetime you are more than likely to &lt;a href=&quot;https://digitalsoftmedia.com/&quot;&gt;experience&lt;/a&gt; some form of debt. With student loans, mortgages, credit cards and financing your car, it is a real possibility that during some period of your life you will owe someone else money. Over the last 10 years it has become increasingly more common to borrow money. This is of no &lt;a href=&quot;https://techntravels.com/&quot;&gt;surprise&lt;/a&gt; as the cost of living has increased dramatically in this period.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;It isn&#39;t all bad news.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Yes, debt can be tough. With that being said, there is &lt;a href=&quot;https://bizinspires.com/&quot;&gt;information&lt;/a&gt; and tools out there to help you manage your debt. And you&#39;ve come to the right place.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Firstly, let&#39;s identify the various sources of debt.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;How Debt Arises&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;It is important to identify where the debt is coming from, and are you paying it off. I touched on a number of possibilities earlier, however it is not limited to these. As mentioned you may be paying off student loans, mortgages, credit card debt, or paying off your vehicle.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;It may also be medical bills, a gambling addiction, poor money management, a reduction in salary or even divorce, that leads to your debt. It&#39;s important to pay back what you borrow, it&#39;s also vital to make smart decisions to ensure financial safety.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Negative effects of debt&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Considering the negative side effects of being in debt is necessary in order to warn you of the potential risks. These effects may be in extreme cases, however they should alarm you to improve your financial situation. These effects include:&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;· Wage reduction. Your financer may look to have your wages cut back, in order for you to start paying back what you owe. Essentially, money will come out directly from your wage every month.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;· Eviction. If you can&#39;t afford to pay your rent on time every month, your landlord may need to evict you.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;· Foreclosure. If you are unable to pay your bills, you may lose your home.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;· Rash decisions. Money problems can be very dangerous, and even breed more problems. People in desperate situations, sometimes make rash decisions in an attempt to win/receive money for something that is potentially a high risk action.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Side effects are not limited to these 4, although they are the most common effects and you should become aware of them. This should be a wake-up call.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Debt Relief Options&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;The good news is, help is out there. There are many solutions out there for you. A range of tools from programmes to strategies, uniquely designed for your situation and to help you out. Many companies will recognise that everyone&#39;s scenario is different, that is why they offer multiple debt relief options. These include:&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;</content><link rel='replies' type='application/atom+xml' href='https://sporthealthylifecom00.blogspot.com/feeds/7369301840677945283/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://sporthealthylifecom00.blogspot.com/2021/12/struggling-with-debt.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/4056566482460090300/posts/default/7369301840677945283'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/4056566482460090300/posts/default/7369301840677945283'/><link rel='alternate' type='text/html' href='https://sporthealthylifecom00.blogspot.com/2021/12/struggling-with-debt.html' title='Struggling With Debt?'/><author><name>Blogrid3rd</name><uri>http://www.blogger.com/profile/13540741843926877824</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-4056566482460090300.post-5089366828929910318</id><published>2021-12-28T23:31:00.002-08:00</published><updated>2021-12-28T23:31:28.019-08:00</updated><title type='text'>3 Common Myths About Debt Relief</title><content type='html'>&lt;p&gt;&amp;nbsp;When we owe a lot of money, we often lose our peace of &lt;a href=&quot;https://techniexpert.com/&quot;&gt;mind and sleep&lt;/a&gt;, as we are constantly worried about paying back the money that we have borrowed. When the borrowed amount is small and it is borrowed from friends or family, we have the opportunity of paying them back at our own discretion, but when the money has been borrowed from financial institutions like banks, we do not have the advantage of paying back at our convenience.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;When we borrow money from the banks in the form of &lt;a href=&quot;https://edgemag.co.uk/&quot;&gt;loans and credit cards&lt;/a&gt;, we need to pay the money back in a given period of time and if we don&#39;t our debt amount increases. Thus, people always try to find ways through which they can get relief from debt. There are lot of misconceptions and myths associated with debt relief. Here we will try to bust 3 of the common myths about debt relief.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Myth no 1 - Only home owners can get a &lt;a href=&quot;https://alltechnews.co.uk&quot;&gt;consolidation loan&lt;/a&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Many people believe that in order to qualify for consolidation loans, they need to be home owners or else they will not qualify for these loans. However, this is not true since most of the lenders offer loans for consolidation of debt and since these loans are unsecured the applicants do not need to pledge their home or any other financial asset as collateral. These institutes will help you in clearing your debts, even if you do not own a house, as long as you meet the rest of the criteria to be eligible for these loans. One such criteria is that the total debt amount should not be less than $10,000.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Myth no 2 - Debt settlement does not reduce interest rates&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;This is another widespread believe, which is not true. People think that debt settlements will not help them in lowering the total debt amount, but will only provide them with a certain amount of relief in the interest rates charged. However, the fact is that such settlement agreements can actually assist people in not only reducing interest rates but also in reducing the total debt amount. Also, such services will provide the people with an opportunity to make single payments every month, rather than multiple payments to different lenders, like credit card companies, mortgage companies etc.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Myth no 3 - The impact on the credit rating is there to stay (permanent)&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;People have a misconception that once their credit rating has been affected due to bad debt, there is nothing they can do to improve it. This is the reason why many people do not even make an attempt to avoid bankruptcy as they think that avoiding it will be of no help. However, the truth is that through consolidation of debt people can not only get debt relief, but they can also improve their credit ratings in the long run. The impact is not permanent and any impact caused by the settlement agreements will also get corrected once people try to make payments and pay off their debts.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;These are few of the common myths related to getting relief from debt. People should try their best to avoid bankruptcy and clear all their debts in order to attain complete financial independence.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;</content><link rel='replies' type='application/atom+xml' href='https://sporthealthylifecom00.blogspot.com/feeds/5089366828929910318/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://sporthealthylifecom00.blogspot.com/2021/12/3-common-myths-about-debt-relief.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/4056566482460090300/posts/default/5089366828929910318'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/4056566482460090300/posts/default/5089366828929910318'/><link rel='alternate' type='text/html' href='https://sporthealthylifecom00.blogspot.com/2021/12/3-common-myths-about-debt-relief.html' title='3 Common Myths About Debt Relief'/><author><name>Blogrid3rd</name><uri>http://www.blogger.com/profile/13540741843926877824</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-4056566482460090300.post-8556869493814385765</id><published>2021-12-28T23:30:00.001-08:00</published><updated>2021-12-28T23:30:02.553-08:00</updated><title type='text'>What Filing For Bankruptcy Does to Your Credit Score</title><content type='html'>&lt;p&gt;&amp;nbsp;Contrary to popular belief and what the big banks and credit card &lt;a href=&quot;https://observingblog.com/&quot;&gt;companies tell you&lt;/a&gt;, filing bankruptcy improves credit. The reason is simple, when we eliminate the debt owed, essentially we&#39;re clearing out all the debt and when the debt is gone, the credit score goes up. Now, the actual filing of the bankruptcy case itself might cost a few points on the credit score, but it&#39;s usually offset by wiping out the debt.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Like most folks today, you&#39;ve done your share of &lt;a href=&quot;https://totechtimes.com/&quot;&gt;research&lt;/a&gt; on the internet, yet you&#39;re still not entirely certain how a bankruptcy case affects your credit. My guess is that the answers you find depends on who is doing the talking. Creditors and banks will tell you that filing bankruptcy is the worst thing for your credit and they&#39;ll convince you to do everything you can to avoid it, but why are they telling you that?&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Consider the fact that those same banks were &quot;too big to fail&quot; during the Great Recession of 2008. It&#39;s also the big banks that got their lobbyists to fight for the changes to the &lt;a href=&quot;https://globaltechideas.com/&quot;&gt;Bankruptcy&lt;/a&gt; Code back in 2005 too. Some of those big credit card banks want to know &quot;What&#39;s in Your Wallet?,&quot; because they want you to carry their credit cards there.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;These big banks want you to fear bankruptcy like the plague because they get to charge you interest for the entire time you carry a balance on their credit card. If you filed for bankruptcy, they would lose and you would win. Now, if you&#39;re like many of my clients, you likely feel a moral obligation to repay your debts and I can certainly appreciate that. However, the Constitution of the United States, the Bible, and the Bankruptcy Code all provide for the release from debts.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Keep in mind that the bankruptcy case will stay on your credit report for 10 years if you filed under Chapter 7, and Seven years if you filed under Chapter 13 of the Bankruptcy Code. Also, you can obtain credit easily after bankruptcy, but I&#39;m biased on credit and debt after bankruptcy because I see cycles and patterns in debtors having trouble managing debt after bankruptcy when their budgets have no room for it. I know of at least two non-standard credit card issuers, Merrick Bank and Orchard Bank will issue credit cards to folks immediately after filing bankruptcy.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Remember that no one ever go rich off credit cards and your credit score only tells others how well you manage debt. If you&#39;re out of bankruptcy, improving your credit requires a few things. Keep no more than 4 accounts open at any time. This can be any combination of mortgages, student loans, and credit cards. Do not charge more than half of the available credit line and pay off the card every month. After about five years past your bankruptcy case, you should be able to obtain the standard bank credit cards again. I hope this information proves helpful to you and wish you much financial success.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;</content><link rel='replies' type='application/atom+xml' href='https://sporthealthylifecom00.blogspot.com/feeds/8556869493814385765/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://sporthealthylifecom00.blogspot.com/2021/12/what-filing-for-bankruptcy-does-to-your.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/4056566482460090300/posts/default/8556869493814385765'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/4056566482460090300/posts/default/8556869493814385765'/><link rel='alternate' type='text/html' href='https://sporthealthylifecom00.blogspot.com/2021/12/what-filing-for-bankruptcy-does-to-your.html' title='What Filing For Bankruptcy Does to Your Credit Score'/><author><name>Blogrid3rd</name><uri>http://www.blogger.com/profile/13540741843926877824</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry></feed>

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