Monday, December 24, 2007
Money
December 18, 2007
Money - That’s what I want
Question: Is there anything wrong with asking family members to give me money for my birthday instead of sweaters I don’t care for, food I don’t want and gift cards to stores where I don’t shop? I don’t mean to sound unappreciative, but at my age (35), I’d really rather just have the money and buy things I like.
Our answer: As that eminent ethicist Mick Jagger once observed, you can’t always get what you want.
Unless, say, you plan to ask your doting grandmother who’s living on Social Security to write you a four-digit check, there’s nothing unethical about telling someone you prefer money over any other gift. But that still doesn’t make it a nice thing to do.
You appear to believe the chief function of a gift is to provide you with what you want most. Often, however, gifts are intended mainly to express affection, to honor the relationship the gift giver has with you and to share the gift giver’s taste. While the folks who give you presents no doubt hope to please you, it’s unlikely they think of the occasion as a great opportunity to transfer money from their bank account to yours. What’s more, they probably realize that in order not to disappoint the recipient, checks need to be for a greater amount than they’d ordinarily spend on a gift or even a gift card.
Our advice? You’re an adult, not a kid saving for college or a new computer. So unless someone very close specifically asks you what’s on your wish list, don’t announce that what you’re looking for is cold, hard cash. After all, you don’t want your relatives to think you have a cold, hard heart.
Questions? Email Money Magazine’s ethicists – authors of the upcoming book “Isn’t It Their Turn to Pick Up the Check?” (Free Press) – at FlemingandSchwarz@right-thing.net.
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Posted 10:24 am 35 Comments Add a comment
The whole “cash as a gift” thing is something that has to be approached with some sensitivity. My family wholely enjoys shopping for gifts for others - so I wouldn’t dare ask them for money only. However, my husband’s family doesn’t care much for the whole experience - and we get money from his dad and gift cards from his mom. I would never dream of asking for it, but I’m not going to snub my nose at anything that someone chooses to give me. That being said, I always give gifts (not money), sometimes gift cards, but always provide the gift receipt in case they do not like it. I am not offended if they return it.
Posted By Jennifer, Plainfield, Illinois : December 20, 2007 9:07 pm
To a certain extent I agree with the original poster. People here are saying, “Hey it doesn’t matter what they give you, it’s the thought that counts.” How much does it say about a friend or family member of yours when the gift they give you is way off base and completely impersonal? Like the OP stated, I’d rather that person donate money to charity then spend it on an impersonal gift. Don’t get me wrong, I would rather get a gift than money, but too often the gifts I receive around that holidays are impersonal tokens of appreciation, which seems to defeat the whole purpose of the season.
Posted By Tyler, Fairfield, CT : December 20, 2007 4:41 pm
So, Asha, one person regifts to you so you decide no more? How extreme is that? Furthermore, there are a lot of extreme opinions on this topic. Frankly, it sounds like most complainers here have forgotten the meaning of it all. Someone wrote that the people who love giving gifts must give crappy gifts…WHAT??? You are clueless. So if you don’t want anything TELL people. Be anti social and not participate. That’s fine. Honestly, this subject just shows you how miserably consumerist and selfish many people have become. If you’re not going to spend $20 don’t give??? What kind of attitude is that? Giving a gift to someone is about expressing affection and love, it’s not really what you get, IT REALLY IS ABOUT THE THOUGHT THAT COUNTS!!! If you don’t like the gift, graciously accept and then do something useful with it. The person who bought you the gift did not waste their money on you, even if you think they did because you won’t enjoy the gift. You don’t have to buy gifts for others; you can make little things or give cards. Again, it’s about being thoughtful. If you don’t care enough about your family or friends to make a little effort once or twice a year, you are not much of a friend or relative.My .02
Posted By Jake, Columbus, OH : December 20, 2007 1:47 pm
It is a matter of preference. More often than not you’ll receive gifts that you don’t like or intend to keep, in this case I’d prefer the cash equivalent instead. A store gift card will do it from a department or electronic store.
Posted By Javier, Reading, PA : December 20, 2007 10:02 am
Personally, I believe too that cash is tacky and a small gift or giftcard is good. I like picking gifts on deals and “cool” gifts or “cute” gifts.
However, when a carefully selected regift for somebody’s birthday ended up back in my hands on Christmas, that was it!! No more gifts. I will just stop the tradition.
Posted By Asha, Fremont, CA : December 19, 2007 7:27 pm
Wow! I guess this is a topic many struggle with this time of year! I do not typically enjoy giving or getting gifts anymore, for all the reasons mentioned in other posts, nor is a gift of money the answer because I never do with it as the giver intended (a splurge for myself?…I usually stick it in my wallet and use it for groceries or other daily needs). It is particularly difficult if I feel the gift is bought/given out of obligation or expectation, and is from someone with more limited resources than me. I really dont need anything including gifts, cash, or gift cards. Yes I am fortunate. So what do I do? I dont ask for anything, I dont make suggestions, and when a gift is given I accept it and enjoy it for the thought and the well-meaning of the giver. If I am not going to use it, I do try and donate or give it to someone who might (with no guilt) because I know the original giver gave it to me to make me feel good and that’s what using it properly does for me! The 35 year old that just wants the cash has missed the point, and if he doesn’t have the time or inclination to be gracious and greatful, he will eventually also be lonely!
Posted By Sally Raleigh, NC : December 19, 2007 4:46 pm
The people on this discussion who say they love giving gifts are probably the ones who give really crappy gifts. I think there should be more stringent rules for who gives who gifts. If you’re an adult and you’re not going to spend over $20 on a person (depending on your income level) then you shouldn’t get them anything. But I must say I do like the donation to charity in someone’s name idea. I’d be delighted if that was all I got this year.
Posted By Jeff, Durham, NC : December 19, 2007 9:24 am
Waaaaaah! I have people who care about me and they give me things out of kindness! Poor me! Don’t they know I just want money?
How dare they come into my house with their good intentions and force me to be friendly? How dare they make me take a two minute stop at Goodwill to unload things I can’t use. Gift givers are truely the selfish ones in our society. The generous ones are those like me, who can admit that I just want money money money for myself.
Posted By PB, portland, or : December 18, 2007 6:41 pm
I think the guy who wrote in needs to grow up. He’s 35 and he still expects cash hand-outs from his family and friends? Gift giving is about thinking of the people you love, and trying to do something thoughtful and personal for them. Yeah, I do think it’s overhyped, and way to consumerist these days (can’t believe you are all insulting Russel, who is apparently giving his son a LAPTOP for christmas! I could never have fathomed that kind of gift for Christmas! I was lucky to get maybe $50-$100 worth of gifts and we were not poor!) But you’re not a baby anymore. If Grandma gives you a sweater you can’t stand, you thank her sweetly, give her a hug, and throw it away later (or exchange if receipt is included). Because you are 35 years old. You should be responsible enough to buy your own things you really want. Holiday gift giving is really for the benefit of the kids, but when whiney brats who are 35 years old want to ask everyone for money, there’s a problem! Maybe this is normal in China, but it’s not normal here. Politeness and respect for your family and friends is what stops you from asking for money. Either ask for nothing, and expect nothing, or be real specific and hope they get it right. Personally I ask for nothing, and am happy with what I am given.
Posted By Miles, San Diego CA : December 18, 2007 6:27 pm
When my family and friends are thoughtful enough to ask me what I want, I tell them…gift cards. This is often met (most defiantly, by my mother) with cries of “Oh, no! You HAVE to HAVE SOMETHING to unwrap!” And they proceed to buy me things I neither want nor need.
I expect to have the following conversation next week…”Yes, Mom, I know we asked for throw pillows, but lacy chartreuse and magenta colors don’t go well with the decor we already have, and the dog is obsessed with trying to eat the kitsch, rubbery chicken potholder you got us for our decidedly un-country kitchen.”
More headaches ensue when going to the store to exchange said gifts.
My question is…if, when asked, you provide a viable response, is it more inappropriate to not honor the giftees response?
Posted By Sabrina, Webster, NY : December 18, 2007 4:13 pm
“The entire affair is a monumental farce, a sham, a fake, a public lie, and frankly I am overly tired of it.” - Posted By Russel Jeffords, Dallas, TX
I agree with Russel here.
The “holidays” are so full of it. Everyone tries to act nice and pleasant at one time of the year. But the rest of the year, nobody seems to give a crap about anyone else except for themselves. Why give meaningless gifts just to be perceived as generous during the holidays? You have been a pretentious and thoughtless jerk for most of the year. Why quit?
I do not give gifts because I do not want to receive cheap, ugly, meaningless, generic, and artificial tokens of goodwill. Instead of buying that 5 dollar gift for someone, put that cash in the Salvation Army box or give it to a charity.
I would rather see a drunk buy a bottle of rum or a drug addict buy a shot of dope instead of having a stupid gift collect dust around my house. At least they get to have fun with the money.
Posted By Yadgyu, Harkeyville, TX : December 18, 2007 3:43 pm
Russell,While your card indicating that a donation was made in my name is a nice gesture, frankly I’d prefer cash. Please send large bills or a check to……
Chill out dude…..don’t give, don’t get. Simple equation.
Posted By Jason, New York : December 18, 2007 3:37 pm
“The entire affair is a monumental farce, a sham, a fake, a public lie, and frankly I am overly tired of it.” - Posted By Russel Jeffords
Which reminds me of the quote, “The difference between ordeal and adventure is Attitude.” Yes, much of the gift-giving is mechanical, but it can also be a wonderful opportunity to do some personal expressions of appreciation.
Posted By Steve R., Phila., PA : December 18, 2007 3:10 pm
As a parent, I learned a long time ago, that cash or gift cards to stores my kids frequent are far more appreciated than a gift that will be trashed.
Posted By jack,phoenix,az : December 18, 2007 2:25 pm
Saying that buying a gift card is more ethical than giving a cash gift is a silly assertion. Buying gift cards just puts money into a specific company’s coffers, 1/3 of which is never redeemed.
In China and the millions of Chinese abroad, giving money is entirely acceptable and in fact is considered more proper than giving a gift card which is in effect the same thing, or worse, an actual gift. Money is an honor not a form of shame. Perhaps we in Anglo-Saxon North America have it wrong?
Posted By Michael, Vancouver BC : December 18, 2007 2:24 pm
Russell, didn’t George Castanza “give” the same gift in a Seinfeld episode? Sounds pretty made up to me
Posted By Eric, Euclid, Ohio : December 18, 2007 2:22 pm
As usual, most who mentioned my initial posting have missed the point.
I am simply tired of the overarching need when presented with a “gift,” of little merit to make nice - even if the person giving is doing so out of some ludicrous perceived obligation that I didn’t ask for and certainly attempted to actively discourage.
Too often this gift-giving ritual is a mutal mental masturbation ceremony accompanied by grins that cover groans.
My wife and son are both honest and genuine enough to tell me - gently! - what they are hoping for. The former - a set of earings to replace those stolen. The latter - a laptop such that he can head off to college well-equipped.
Everyone else on my “list,” will receive a nice note indicating that a donation in their name has been made to a charity they themselves have identified, or one I have picked - and they are further invited to nominate next years’ choice (but not the amount).
I fail to see why my comments elicited so much rage - pee in cheerios, indeed - perhaps the writers of those messages need a teensy bit of awareness, themselves?
Posted By Russell Jeffords, Dallas TX : December 18, 2007 2:12 pm
Wow! It’s very sad how many people see gift giving as an annoyance, a means to “get stuff,” and really as some sort of commercial enterprise. Especially Mr. Jeffords position. In his case, I don’t think he should even give them to wife and child. Gift giving is about closeness and caring. It has nothing to do with reciprocating or how well you come out of it. I enjoy gift giving and a good deal of thought goes into each gift. I’m also one of those who appreciates whatever I get simply because someone took the time and effort to think of me. If people can’t appreciate gift giving for these type reasons, then they shouldn’t participate in the activity. A wise person once noted that it’s the trouble you go through for things that show how much you care because then it isn’t a bother.
Posted By Ken Hicks. Staten Island, NY : December 18, 2007 2:01 pm
Russell, you should just kill yourself then. (Obviously, a joke.)
Posted By Eric, Euclid, Ohio : December 18, 2007 1:56 pm
I agree with the author (for once in a long time). Giving gifts is intended to show care, show that you thought about them and wanted to give them something nice because you love them. Now, I am not against giving money. What I am against is people not appreciating a gift, no matter if they like it or not. Sure the giver generally tries to find a gift they think the receiver would like. However, if the receiver does not like a gift and shows anger or discontent, next time, the giver should not give ANY gift.
Bottom line is: I will STOP giving gifts to someone who does not appreciate my gifts. I mean, I am giving you something for free and you are mad at me for it? Might as well never give you anything again.
Plus, you do know that they don’t HAVE to give you ANYTHING for a birthday right? (please do not feel entitled when no entitlement is actually there).
Posted By Inferno Butterfly, LA, CA : December 18, 2007 1:51 pm
Tacky, immature, and unimaginative.
Posted By Richard, Chassell, MI : December 18, 2007 1:15 pm
Leave it to someone to inject global warming comments about an article on gift giving. Come on, let’s get back to what gift giving is supposed to be: personal. Gift cards and money are not very personal and not much thought goes into them - a sad commentary on our current consumerist society. Not because of global warming, but because people have stopped being thoughtful of others. I agree with the article writer that gift recipients need to be more appreciative of the reason for receiving gifts.
Posted By Jake, Columbus, OH : December 18, 2007 1:12 pm
If you can’t think of a gift to give someone it means you don’t know that person well enough and there are two easy solutions:
1. Don’t give them anything.2. Give them something that allows you to spend time together and get to know each other so next year you will have a better idea what to get them.
Posted By Steve, Washington, DC : December 18, 2007 1:09 pm
What a bunch of Grinches! Gift giving is an opportunity to express your affection by finding something uniquely appropriate for the recipient. We all fail at times, but seriously, I’d be happy giving to a charity as well if that’s what is preferred. What amazes me is the negative emotion around this issue. I personally enjoy the challenge of finding something to fit the unique personalities of my friends and family.
Posted By J.R. Colorado : December 18, 2007 1:02 pm
Unfortunately, another sign of where our value system has gotten truely distorted. Gifts are given as a sign of affection (love/support). And, for those who may want to give and exemplify that affection and who however may not be in a financial position to do so in many instances may go through great pain (financially destitute parent or financially unstable loved one)struggling with how to express their affection at a time when society designates (holidays) or even when one may want to do so randomly.
Many may not ask what’s on your wish list because as the old saying goes, “You’re not in my pocket,” nor do you truly know another’s financial circumstances. If it appears that someone took the TIME to pick you up a gift be appreciative. And, there is nothing wrong with re-gifting with class (the person need not necessarily know - charities/ less fortunate - good deeds are profound).
Long gone are the days of “Little House on the Prairie” when families had little too nothing but were happy to spend time with one another and whatever makeshift gifts. (i.e. today many still don’t have much though they pretend in all their debt and uppityness, coupled with their shallowness as a inadequate and insecure person) I’m in the writer’s age bracket and am thankful everyday in this day in particular too have not had much material wealth growing up (literally - much of basics not even provided, but an abundance of values and self-respect fostered). In no way can I understand anyone having the attitude of the writer, particularly a 35 year old and the commenter who seems to mirror the writer’s stance (averaging maybe 20-30 gifts a year to various persons in your affection group is not easy).
I’m not lashing out at anyone in particular, but much of our societal issues relegate around many people not considering others outside their own needs. “We Are Not In The World By Ourselves - There are millions of Species and the majority of us are dependent on one another in one way or another.” Thank you, Grandma Bess for these lovely polka-dot, orange, pink and yellow shoes - “Is there a story behind this?” - You’re laughing so hard inside, that if it wasn’t for your love for Grandma Bess and the respect and values she instilled in your family, you would be carried out for cardiac arrest due to unrivaled laughter - however, you settle for the fun story to share w/ other loved ones and your rocking chair when you reach Grandma Bess’s age and hopefully have the opportunity to possibly reverse the trend without forgetting the warm feelings and memory of Grandma Bess, etc.
Posted By Che Che, Brooklyn, NY : December 18, 2007 12:56 pm
I agree with Mr Jeffords. Gift giving of crap is way overdone.We need to go back to having less and appreciating more. This holiday season, what will you give or receive that you would want to pass onto your grandchildren? Chances are, not one thing.Christmas does not come from CHINA.
Posted By Chad Bennett, Austin Pennsylvania : December 18, 2007 12:53 pm
Wow Russel, who peed in your Christmas Cheerio’s?
Posted By Matt, Cleveland, OH : December 18, 2007 12:44 pm
Angela, are you kidding?? You don’t give gifts based on the environment. If that were the case, everyone would get a tree or a bag of organic carrots for Christmas. Exciting…
Russel, you sound like a sad, lonely man. Don’t rain on the rest of the world’s parade.
I see nothing wrong with giving cash. I’m giving my sister cash for Christmas because she wants to go to Italy, something I cannot give her, but something that I can help her with. With the whole family giving her cash, she ought to be able to afford the trip.
Posted By Charlie, Indianapolis, IN : December 18, 2007 12:30 pm
And I should have known that even gift giving promotes global warming. The proof that humans do enough to impact global warming has not been demonstrated. Just because the UN wants to impose a carbon tax on the global population does not make it so. So much so that many scientists previously associated with the UN have joined together to write an opinion stating as much. I just find it ironic that even in a discussion about proper and accepted manners someone throws global warming into the discussion.
Posted By Rob, Frederick Maryland : December 18, 2007 12:26 pm
The writers point is well taken and was the norm in an age where most recipients were more gracious and did not have what my mother would say it everything. Gifts used to meet basic needs and perhaps were something a person could not afford to buy for themselves or would be considered a luxury item and not purchased. In todays society where debt is king and the I want what I want now mentality, it is difficult to know what to get someone. On top of that folks from a later generation are often not comfortable with giving cash as that just was not done in their time. Be thankful folks think of you to give you anything and accept it with graciousness and thankfulness. If you really don’t want the gift find a needy person who will be very greatful to receive it.
Posted By Rob, Frederick Maryland : December 18, 2007 12:17 pm
Well, if you look at it from an environmental point of you (and we all have to do that pretty soon) cash in a small envelope is much better then individual gifts that have to be packaged, shipped and eventually recycled. By giving money you reduce waste and resources. Yes, that might not be very romantic but global warming is not fun either.
Posted By Angela, Walpole, MA : December 18, 2007 12:13 pm
In my family, we let folks know we want a gift card to a specific store.
That way we get exactly what we want. It’s easy, practical and appreciated.
After a while, telling folks to take it back immediately after opening a gift must have gotten old. Now we all get exactly what we want without wasting the giver’s time, energy, and money.
Posted By Rex, Fairfax, VA : December 18, 2007 12:06 pm
Yes. It’s very tacky, and you’re old enough to know better.
Posted By Miss Manners, Philadelphia, PA : December 18, 2007 12:00 pm
Frankly, the whole gift-giving experience at Christmas or any other time is nothing short of a massive annoyance - for giver, recipient, and everyone else EXCEPT Wally World or the Chinese manufacturer of the item in question.
I detest the practice, and aside from my immediate family - wife & son - I simply don’t engage in it.
While some find it rude, I simply (and gently!) mention that I prefer no gifts and ask these folks to give a little something to someone in need if that is their choice.
I do NOT reciprocate if someone purchases me a gift anyway - especially as these typically are from biz supplicants (usually wine or liquor) or from thoughtless, feckless folks (who provide cologne, even though I am deathly allergic to damned near everything and this is well known).
The entire affair is a monumental farce, a sham, a fake, a public lie, and frankly I am overly tired of it.
Posted By Russel Jeffords, Dallas, TX : December 18, 2007 11:48 am
I see nothing affectionate about people giving you what they want to give you. It makes zero sense for people to ask what’s on your wishlist only to ignore it and buy you something that you’re just going to pass on in a game of white elephant. If I am going to spend my hard earned money on someone, I’ll be sure it’s something they’ll find delight in. That’s affection: for my money and the person recieving the gift. Giving cash as a gift makes perfect sense to me. Handing someone over a gift you know is not going to be of any practical use to them is not “intended mainly to express affection (to the other person)”.
Posted By James, Austin, TX : December 18, 2007 11:23 am
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Asset Finance Leasing: Appropriately Use Assets Without Owning itAuthor: Richie Morgan
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Article Source: http://www.articlesbase.com/loans-articles/asset-finance-leasing-appropriately-use-assets-without-owning-it-288966.htmlAbout the Author:
Richie Morgan is offering loan advice for quite some time. Asset Finance UK has a vast network of lenders who provide loans to the borrowers at lower APR. To find asset finance leasing, asset finance, asset based finance visit http://www.assetfinanceuk.net/
Asset Finance Leasing: Appropriately Use Assets Without Owning itAuthor: Richie Morgan
Any particular organization requires an asset to have a smooth running of its business. Without it, production will stop and it will lead to loss. At any point of time the company may have to face a situation where in a new asset is required but it does not want to put pressure on the dwindling finances. It can also be that the asset or equipment is required for short time duration and procuring it is not a viable option. In that case, the companies can opt for asset finance leasing.Asset Finance Leasing is a way through a company can have access to the assets without procuring it. By resorting to this option the company or organization can utilize the assets without spending any cash from its own resources.Companies who are looking for this process can have two readily available options. The options are direct lease and sell and lease back. Under the option of direct lease the company identifies the particular asset which can be new or pre owned, as per the requirement of the job. Then in turn the company will ask a leasing company to buy the required equipment from its manufacturer or owner. After the leasing company had bought it, it will lease the equipment as per the terms and conditions. On the other hand, under sale and lease back option, the company will sell the particular asset to the leasing company and they in turn will lease the equipment back to the company. It is to be remembered that in both the cases, it is the leasing company who owns the asset. However, the company has also the provision of having a hire purchase agreement with the lending authority and can get back the asset by clearing all the payments.This type of leasing is preferable when the company wants to utilize the asset to enhance the production on a short term basis. Other wise it is better to avail a loan and then purchase. The company opting for asset finance leasing must try to understand the various aspects of the leasing company before opting for it.
Article Source: http://www.articlesbase.com/loans-articles/asset-finance-leasing-appropriately-use-assets-without-owning-it-288966.htmlAbout the Author:
Richie Morgan is offering loan advice for quite some time. Asset Finance UK has a vast network of lenders who provide loans to the borrowers at lower APR. To find asset finance leasing, asset finance, asset based finance visit http://www.assetfinanceuk.net/
Education
Getting A Degree Online
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Submitted By: Low Jeremy
Home Schooling Online is usually applicable to all higher levels but at most, to teenagers likely, in the secondary (High School) formal education. Children just having outgrown their puberty age, with a lot of adjustments in their psychological make-up, queries in their complicated grown-up selves, attitude passed on to them by parents, and vice-versa, develop actions that are quite intimidating, and require lots of understanding.
They need deep self-searching, and many more, to discover in becoming their real selves. It is at this stage that a person is most vulnerable to delinquency, if his confusions are taken for granted, and parents commit sins of omission to interact.
Advance in the latest communications technology creates an environment never before enjoyed to the best advantage of everyone who is aware, and could afford it. This is indeed at present a world of utmost convenience that possibly could be enjoyed by each one. From the traditional mailing or packaging systems of facilities, be it tangible items or intangible services of any kind, all these could reach you by fax, e-mails, e-banks, and all forms of e-services in seconds right in front of your eyes and face. Just go cyber, and everything else is at your virtual reach. It never fails except of malfunctions in your computer systems, or software counterfeiting, and external interventions.
Parents as well could select their virtual institutions of learning for their children. In the advent of the present-day complicated environment that goes side by side with science and technology progress, awareness of the different kinds of disadvantages to certain social and environmental situations is camouflaging the facets of advantages.
Parents become more concern about what their children are, or could be, if outside and away from home. There are various virtual schools that cater to their students a supply of textbooks, references, and even laptops. The materials on hand taken usually from bookstores are delivered thru the web at one's convenience. Payments of bills on this could be done thru the inter net to e-banks and e-financial institutions.
Home schooling online offers more of the tougher subjects most dreaded in regular schools and mostly evaded by parents during their time. Subjects, as algebra, geometry, physics could be taught by parents who learned them too online from previous experiences.
Besides, parents who have their children enrolled in accredited online institutions have bigger chance of relearning and bonding with their teenaged children, and at the same time keep them safe from of any travel and environmental hazards. Interacting with instructions and assignments is done with virtual instructors. Online schooling is best-set preparations of any post high school teenager in anticipation for his college level entry.
The worldwide web conglomerate will always comprehend for anyone who wants to avail of the most modern speedy services. Learn how you'd catch up with the virtual traffic.
About the Author:This content is provided by Low Jeremy. It may be used only in its entirety with all links included. For more information on home schooling & other information, please visit http://home-schooling.articlekeep.com
Economy
Debt Settlement, Debt Management, Debt Termination – What's the Right Choice?
When you're facing a mountain of credit card debt, the stress can be overwhelming at times. Collection calls, daily harassment, rude bill collectors, and nasty letters all add to an already intense situation. Consumers facing this kind of pressure naturally seek out the services of professional debt companies. But the search for reliable assistance can actually add to the stress! For example, just type in "debt help" on any search engine and you'll see page after page of results. There are literally thousands of debt companies out there. How to choose? How to tell the scams and schemes from the legitimate services? Should you consult with a non-profit credit counselor? One company tells you they can cut your bills in half. Another outfit says you really don't owe the banks any money at all and they can wipe the debt away for you. Who should you believe? Where should you turn?
Consumers face a bewildering range of choices when seeking debt assistance. As with any service, when considering a debt reduction program, "let the buyer beware." Yes, there are some good debt companies out there. But many are only in the business to take your money. Some actually leave you much worse off than when you started.
Where to start? Let's categorize the different types of debt program. This will cut down on the confusion and help you decide where to start your search. I'm assuming here that you are trying to avoid bankruptcy. I'm also assuming that you are struggling every month to keep up with the minimum payments on your debt obligations and have fallen behind or are about to start falling behind. Further, in what follows, I assume that you can't borrow against your home or otherwise pay off your debts off. In other words, we're talking about a financial rescue situation.
To simplify matters, let's look at debt companies in terms of three rough categories:
1. Debt management plans require 100% repayment of the debt through a structured payment plan. This is what non-profit credit counseling agencies do, as well as for-profit debt consolidators.
2. Debt settlement or debt negotiation plans require payment of part of what you owe, usually around 50% or less, with the remainder forgiven by the creditor. Virtually all of these companies operate on a for-profit basis.
3. Debt termination companies claim to wipe away 100% of your debt through special legal procedures, so your total payout consists only of their fees.
Right off the bat, let's cross #3 off the list. Sorry, but this one is a scam. You can recognize this type of company very easily. They make the claim that because of how our monetary system works, you never really borrowed any money in the first place! Their system is based on the false belief that credit card banks are operating illegally by extending credit to you. Absolutely do not give your money to one of these outfits! The fees start at $2,500 and go up from there. I spoke with one fellow who lost $15,000 in this scam.
Folks, there is no free lunch. The only thing such "debt termination services" will do for you is take your money. Their legal theories are total nonsense, and the courts do not recognize their arguments. These are the same people who also claim you don't need to pay your income taxes either. As tempting as it might be to try one of these services, you'll only get yourself in deeper trouble with your creditors.
That leaves #1 (debt management plans) and #2 (debt settlement). Debt management plans (DMPs) are offered through credit counseling companies that generally operate on a non-profit basis, and also through for-profit companies that use a similar business model. The essential idea is that you write one monthly payment to the agency, and they in turn distribute that money to your creditors. Companies offering DMPs work with your creditors to lower your interest rates so that more of your money goes toward paying off the debt. Of course, there are fees involved. The non-profit organizations are not free - a point that often confuses consumers. Also, "non-profit" does not mean the company is any good at what they do. Sometimes, a for-profit company can afford to provide a better quality of service because they can pay their staff a higher wage! So don't automatically think that non-profit services are good while for-profit services are bad.
When should you consider enrolling in a DMP? While many financial advisors seem to think that DMPs are the answer to every debt problem, in reality companies in this end of the business are basically acting like collection agencies for the banks. In the real world, a DMP only makes sense if you are in a relatively short-term financial crunch. Let's say you are between jobs but know that your income prospects will get better in 6-12 months. A DMP would make sense in such a situation because it would bring the temporary relief that you need until you can take your bills over again and start paying down your debts at a faster pace. On the other hand, if your situation is long-term and you don't see any light of the tunnel, then a more aggressive approach might make sense.
Debt settlement or debt negotiation can provide a more aggressive approach to debt reduction that makes sense for many consumers. It should be viewed as an alternative to bankruptcy. In fact, it's a very good alternative to Chapter 13 bankruptcy in particular. (For a detailed comparison between debt settlement and Chapter 13 bankruptcy, see http://www.new-bankruptcy-law-info.com.) It also gives consumers a fighting chance to work their way out of serious debt problems without the feelings of failure and loss of privacy that come with bankruptcy. One of the best features of debt settlement is that it involves a reduction in debt principal (the amount you owe), rather than just interest rates as with DMPs. The result is a much faster path out of debt. It's also a much more flexible approach than other types of programs, because it's the ONLY approach that allows for adjustments up or down in the monthly funding commitment. That's especially important for consumers with unstable finances.
Debt settlement isn't a perfect solution though. One of the major drawbacks is that the fees are usually quite steep, often amounting to 15% or more of your starting debt level. Also, settlement has a negative impact on your credit score (although your credit will take a hit under a DMP as well). However, when viewed as an alternative to bankruptcy rather than a cure-all for financial woes, it provides a good solution for many consumers. Essentially, debt settlement is really nothing more than a negotiated compromise with your creditors. It's actually a win-win scenario for you and the creditor.
Further, you don't need to hire a professional to do this for you. Debt settlement has become so common and popular in the last few years that many of the major credit card banks will automatically offer 50% settlements (or less) in order to cut their losses. Why pay those big fees when you can do it yourself and save $1,000s? Even if you don't get as big a reduction as you would with a professional negotiator, you'll still come out ahead by not having to pay the fees. For more information on the DIY approach to debt negotiation and settlement, see the free 32-page consumer report, "How to Eliminate Your Debts Quickly and Safely Without Filing Bankruptcy," available for instant download at http://www.zipdebt.com/free_eliminate_debt_ebook.php.
If you're drowning in debt, the time to act is now. Explore your options, establish a game plan, and take action!
Meetings–Management Meetings–Why are they a waste of time? The 80/20 rule and 5 steps to success
How often have you sat in a meeting thinking “This is such a waste of time. I have so many others things to do. I wish I could be somewhere else” Sound familiar? I’m sure we all have had these thoughts at one time or another and maybe for some of us, it has been very recent!
My experience as a line manager, senior manager and organisational psychologist over the last thirty years, means that I have attended and run many meetings. In my work, one of the most common complaints I get from all levels of the organisation, is that “We waste so much time here sitting around talking. Nothing gets done as a result”. Why are so many meetings a waste of time?
My conclusion is that the vast majority of meetings: • Cover information that could be distributed by other means • Focus too much on the past – what has gone rather than what is to come • Do not have a clearly defined purpose with intended outcomes
So, if you have to run meetings, the first decision to make is to decide what type of meeting it is – • Is this an information sharing meeting or a problem solving meeting?
If it is an information sharing meeting, then there are two guides to follow: 1. Can the information be distributed in another way (eg email etc)? In this case there is no need for the meeting, thus saving a lot of time. 2. If the need to share the information must be by way of a meeting, then the focus of the meeting (and time spent) should be • 20% past oriented - i.e. reporting on the information (e.g. results) and • 80% future oriented – i.e. deciding what we are going to do with the information.
Using the “80/20 rule” for your meetings will ensure that everyone participates and can see some real advantage to having the meeting. By the way, if you are a participant in one of those boring meetings we mentioned earlier, it is possible to have some influence on the meeting process. Keep asking “What are we going to do with this information?” or, “How should we proceed now?”. In other words, every time the meeting starts to focus on the past, redirect it to the future.
If it is a problem solving meeting, then there are five steps to follow to ensure the meeting is a positive one with some productive outcomes.
As with Information sharing meetings, quite often problem solving meetings don’t reach their full potential because the meeting dwells too much on the present or past situation, rather than “how things ought to be”. Using the following five steps will ensure that your meeting stays focused on the future and is productive.
1. Ask each participant to prepare for the meeting a few days in advance (one week is ideal, but not always possible) by jotting down some notes in answer to a short “meeting question”. They need to bring these notes to the meeting.
2. The meeting pre-work question must be framed on the assumption that the problem has already been solved – ie. it must be expressed at some future time. For example, if a telephone service department were looking for ideas on how they might improve their service, the question might be put: “Assume that we have just had a very successful year, and that we have received heaps of feedback which suggested our service given to customers has been first rate over the last twelve months: • What things did we do to get such great success? • What problems or challenges did we have? • How did we solve these problems or meet these challenges?”
3. At the meeting ask all participants for their ideas and list these on a whiteboard or flipchart paper etc. Note. It is very important to list these ideas so that everyone can see them – this helps maintain people’s interest, keeps people focused and is useful for keeping the meeting on track.
4. When the meeting has reached consensus on which items are worthwhile and achievable, two further columns are added to each flip chart page. One column is headed “By when” and the other is headed “By whom”
5. It is important that the workload is shared by all participants. In the first column “By when”, the group is asked to allocate a time for when this aspect could be achieved. When this is agreed, people are asked to volunteer to undertake responsibility for ensuring particular items are undertaken (not necessarily to do them, but to take responsibility for them), by placing their name in the “By whom” column. Once this is done, the meeting now has an action plan for solving the problem. This can be written up and distributed to people following the meeting.
I have used this process at all levels of organisations and with mixed stakeholder groups with amazing success over the last 20 years. Whether your meeting is an information sharing one or a problem solving one, I’m sure that using the guidelines set out in this article will make them more rewarding for everyone. If you would like some free advice on how to construct your “problem solving” meetings, or to discuss any aspects of meetings, please contact me at www.nationallearning.com.au.
Copyright 2006 The National Learning Institute
Understanding And Maintaining A Good Credit History
Credit history may be defined as a record of how a person has borrowed the debt and repaid the same over a period of time. A good credit history is an important aspect of your life.
Keeping a good credit rating is of immense importance to maintain the quality of life. It helps you to have easy access to loans at competitive rates of interest and with lesser formalities.
Establishing a credit history is the first step towards having a good credit rating. If you do not know your credit rating checking with the local credit bureau and getting a copy of the report would be the first step towards this end. Absence of credit history affects young and old. The problem of not having a credit history is also common among divorcees and widowed women as they might have shared the accounts with their spouse and that were reported in the latter’s name. Building a credit history by applying for credit in a local business unit or bank may be resorted to in such cases. Another option would be to open a savings or checking account to show your management of Money. Paying the bills on phones and pagers on time will demonstrate the capacity to pay. Securing a standard or secured credit card may also solve the problem in building up a credit history.
Maintaining a good credit history shows your responsibility to pay off your debts. Should you feel that the debts are getting out of your control you should not hesitate to seek the help of a financial counselor who can assess the situation better and find the best option to bail you out of the trauma. A poor credit history may not only deny you further loans but also creates stumbling blocks in finding a job or letting out an apartment. The importance of rebuilding the credit history assumes significance in such a situation. Obtaining a credit card either standard or secured and making regular repayments and payments of various bills on time to mention a few would enable you to get back to a good credit rating. At the end a good credit history is your passport to the ever expanding world of credit...
Debt Consolidation Uk : United It Can And It Will Make A Difference ...
Desires keep on growing day by day but all of us have limited funds with him and to meet all the desires at one time is impossible Thus, to fulfill all the desires, one tends to borrow money from more than one lender to meet your funds requirement but later on these debts become a big problem for you , it becomes literally impossible to handle so many lenders at one time.There is a solution to this problem and that is the Debt Consolidation UK.
Debt Consolidation UK helps in debt management. Debt Consolidation UK as the name suggest consolidate all your existing debt into one for a lower rate of interest. At times, it become difficult to deal with so many lenders and you may even forget to pay the loan installment to any of the lender so there is a risk involved. debt consolidation UK makes you liable to one and only one creditor . It can help a borrower in improving his credit rating by making the payment on the loan in full and on time.Its not about putting more debt burden on your shoulders rather its all about consolidating the clustered loans into one big chunk to make it more manageable, it just a transfer of debt to a new lender.
As Debt consolidation UK replaces multiple existing loans and mortgages with a single loan from a new lender which reduces monthly payments by distributing the loan over a longer period of time so it usually bear lower rates of interest than the existing loan and offers more flexible repayment options.With the growing number of defaults on loan payments and bankruptcy cases, debt consolidation has become a common practice in UK. Debt consolidation UK is customized for UK residents to get them out of debts.With the increasing competition in the loan market, various lenders such as financial institutions and banks in UK offer loan for debt consolidation at low interest rate.There are various options available when you opt for debt consolidation UK You may choose from one of them that suit your circumstances and needs. If you have a property or home, which you can keep as a security with the lender, then you can opt for secured debt consolidation UK. This offers greater flexibility with a larger loan amount and a longer repayment term. A borrower can choose from the several interest rate options available such as fixed interest rate, variable interest rate and many mo In case you don’t want or don’t want to have your property at stake you can go for unsecured debt consolidation UK. Debt Consolidations UK suits you even if you have experienced: poor credit history ,defaults , arrears or bankruptcy
When you're facing a mountain of credit card debt, the stress can be overwhelming at times. Collection calls, daily harassment, rude bill collectors, and nasty letters all add to an already intense situation. Consumers facing this kind of pressure naturally seek out the services of professional debt companies. But the search for reliable assistance can actually add to the stress! For example, just type in "debt help" on any search engine and you'll see page after page of results. There are literally thousands of debt companies out there. How to choose? How to tell the scams and schemes from the legitimate services? Should you consult with a non-profit credit counselor? One company tells you they can cut your bills in half. Another outfit says you really don't owe the banks any money at all and they can wipe the debt away for you. Who should you believe? Where should you turn?
Consumers face a bewildering range of choices when seeking debt assistance. As with any service, when considering a debt reduction program, "let the buyer beware." Yes, there are some good debt companies out there. But many are only in the business to take your money. Some actually leave you much worse off than when you started.
Where to start? Let's categorize the different types of debt program. This will cut down on the confusion and help you decide where to start your search. I'm assuming here that you are trying to avoid bankruptcy. I'm also assuming that you are struggling every month to keep up with the minimum payments on your debt obligations and have fallen behind or are about to start falling behind. Further, in what follows, I assume that you can't borrow against your home or otherwise pay off your debts off. In other words, we're talking about a financial rescue situation.
To simplify matters, let's look at debt companies in terms of three rough categories:
1. Debt management plans require 100% repayment of the debt through a structured payment plan. This is what non-profit credit counseling agencies do, as well as for-profit debt consolidators.
2. Debt settlement or debt negotiation plans require payment of part of what you owe, usually around 50% or less, with the remainder forgiven by the creditor. Virtually all of these companies operate on a for-profit basis.
3. Debt termination companies claim to wipe away 100% of your debt through special legal procedures, so your total payout consists only of their fees.
Right off the bat, let's cross #3 off the list. Sorry, but this one is a scam. You can recognize this type of company very easily. They make the claim that because of how our monetary system works, you never really borrowed any money in the first place! Their system is based on the false belief that credit card banks are operating illegally by extending credit to you. Absolutely do not give your money to one of these outfits! The fees start at $2,500 and go up from there. I spoke with one fellow who lost $15,000 in this scam.
Folks, there is no free lunch. The only thing such "debt termination services" will do for you is take your money. Their legal theories are total nonsense, and the courts do not recognize their arguments. These are the same people who also claim you don't need to pay your income taxes either. As tempting as it might be to try one of these services, you'll only get yourself in deeper trouble with your creditors.
That leaves #1 (debt management plans) and #2 (debt settlement). Debt management plans (DMPs) are offered through credit counseling companies that generally operate on a non-profit basis, and also through for-profit companies that use a similar business model. The essential idea is that you write one monthly payment to the agency, and they in turn distribute that money to your creditors. Companies offering DMPs work with your creditors to lower your interest rates so that more of your money goes toward paying off the debt. Of course, there are fees involved. The non-profit organizations are not free - a point that often confuses consumers. Also, "non-profit" does not mean the company is any good at what they do. Sometimes, a for-profit company can afford to provide a better quality of service because they can pay their staff a higher wage! So don't automatically think that non-profit services are good while for-profit services are bad.
When should you consider enrolling in a DMP? While many financial advisors seem to think that DMPs are the answer to every debt problem, in reality companies in this end of the business are basically acting like collection agencies for the banks. In the real world, a DMP only makes sense if you are in a relatively short-term financial crunch. Let's say you are between jobs but know that your income prospects will get better in 6-12 months. A DMP would make sense in such a situation because it would bring the temporary relief that you need until you can take your bills over again and start paying down your debts at a faster pace. On the other hand, if your situation is long-term and you don't see any light of the tunnel, then a more aggressive approach might make sense.
Debt settlement or debt negotiation can provide a more aggressive approach to debt reduction that makes sense for many consumers. It should be viewed as an alternative to bankruptcy. In fact, it's a very good alternative to Chapter 13 bankruptcy in particular. (For a detailed comparison between debt settlement and Chapter 13 bankruptcy, see http://www.new-bankruptcy-law-info.com.) It also gives consumers a fighting chance to work their way out of serious debt problems without the feelings of failure and loss of privacy that come with bankruptcy. One of the best features of debt settlement is that it involves a reduction in debt principal (the amount you owe), rather than just interest rates as with DMPs. The result is a much faster path out of debt. It's also a much more flexible approach than other types of programs, because it's the ONLY approach that allows for adjustments up or down in the monthly funding commitment. That's especially important for consumers with unstable finances.
Debt settlement isn't a perfect solution though. One of the major drawbacks is that the fees are usually quite steep, often amounting to 15% or more of your starting debt level. Also, settlement has a negative impact on your credit score (although your credit will take a hit under a DMP as well). However, when viewed as an alternative to bankruptcy rather than a cure-all for financial woes, it provides a good solution for many consumers. Essentially, debt settlement is really nothing more than a negotiated compromise with your creditors. It's actually a win-win scenario for you and the creditor.
Further, you don't need to hire a professional to do this for you. Debt settlement has become so common and popular in the last few years that many of the major credit card banks will automatically offer 50% settlements (or less) in order to cut their losses. Why pay those big fees when you can do it yourself and save $1,000s? Even if you don't get as big a reduction as you would with a professional negotiator, you'll still come out ahead by not having to pay the fees. For more information on the DIY approach to debt negotiation and settlement, see the free 32-page consumer report, "How to Eliminate Your Debts Quickly and Safely Without Filing Bankruptcy," available for instant download at http://www.zipdebt.com/free_eliminate_debt_ebook.php.
If you're drowning in debt, the time to act is now. Explore your options, establish a game plan, and take action!
Meetings–Management Meetings–Why are they a waste of time? The 80/20 rule and 5 steps to success
How often have you sat in a meeting thinking “This is such a waste of time. I have so many others things to do. I wish I could be somewhere else” Sound familiar? I’m sure we all have had these thoughts at one time or another and maybe for some of us, it has been very recent!
My experience as a line manager, senior manager and organisational psychologist over the last thirty years, means that I have attended and run many meetings. In my work, one of the most common complaints I get from all levels of the organisation, is that “We waste so much time here sitting around talking. Nothing gets done as a result”. Why are so many meetings a waste of time?
My conclusion is that the vast majority of meetings: • Cover information that could be distributed by other means • Focus too much on the past – what has gone rather than what is to come • Do not have a clearly defined purpose with intended outcomes
So, if you have to run meetings, the first decision to make is to decide what type of meeting it is – • Is this an information sharing meeting or a problem solving meeting?
If it is an information sharing meeting, then there are two guides to follow: 1. Can the information be distributed in another way (eg email etc)? In this case there is no need for the meeting, thus saving a lot of time. 2. If the need to share the information must be by way of a meeting, then the focus of the meeting (and time spent) should be • 20% past oriented - i.e. reporting on the information (e.g. results) and • 80% future oriented – i.e. deciding what we are going to do with the information.
Using the “80/20 rule” for your meetings will ensure that everyone participates and can see some real advantage to having the meeting. By the way, if you are a participant in one of those boring meetings we mentioned earlier, it is possible to have some influence on the meeting process. Keep asking “What are we going to do with this information?” or, “How should we proceed now?”. In other words, every time the meeting starts to focus on the past, redirect it to the future.
If it is a problem solving meeting, then there are five steps to follow to ensure the meeting is a positive one with some productive outcomes.
As with Information sharing meetings, quite often problem solving meetings don’t reach their full potential because the meeting dwells too much on the present or past situation, rather than “how things ought to be”. Using the following five steps will ensure that your meeting stays focused on the future and is productive.
1. Ask each participant to prepare for the meeting a few days in advance (one week is ideal, but not always possible) by jotting down some notes in answer to a short “meeting question”. They need to bring these notes to the meeting.
2. The meeting pre-work question must be framed on the assumption that the problem has already been solved – ie. it must be expressed at some future time. For example, if a telephone service department were looking for ideas on how they might improve their service, the question might be put: “Assume that we have just had a very successful year, and that we have received heaps of feedback which suggested our service given to customers has been first rate over the last twelve months: • What things did we do to get such great success? • What problems or challenges did we have? • How did we solve these problems or meet these challenges?”
3. At the meeting ask all participants for their ideas and list these on a whiteboard or flipchart paper etc. Note. It is very important to list these ideas so that everyone can see them – this helps maintain people’s interest, keeps people focused and is useful for keeping the meeting on track.
4. When the meeting has reached consensus on which items are worthwhile and achievable, two further columns are added to each flip chart page. One column is headed “By when” and the other is headed “By whom”
5. It is important that the workload is shared by all participants. In the first column “By when”, the group is asked to allocate a time for when this aspect could be achieved. When this is agreed, people are asked to volunteer to undertake responsibility for ensuring particular items are undertaken (not necessarily to do them, but to take responsibility for them), by placing their name in the “By whom” column. Once this is done, the meeting now has an action plan for solving the problem. This can be written up and distributed to people following the meeting.
I have used this process at all levels of organisations and with mixed stakeholder groups with amazing success over the last 20 years. Whether your meeting is an information sharing one or a problem solving one, I’m sure that using the guidelines set out in this article will make them more rewarding for everyone. If you would like some free advice on how to construct your “problem solving” meetings, or to discuss any aspects of meetings, please contact me at www.nationallearning.com.au.
Copyright 2006 The National Learning Institute
Understanding And Maintaining A Good Credit History
Credit history may be defined as a record of how a person has borrowed the debt and repaid the same over a period of time. A good credit history is an important aspect of your life.
Keeping a good credit rating is of immense importance to maintain the quality of life. It helps you to have easy access to loans at competitive rates of interest and with lesser formalities.
Establishing a credit history is the first step towards having a good credit rating. If you do not know your credit rating checking with the local credit bureau and getting a copy of the report would be the first step towards this end. Absence of credit history affects young and old. The problem of not having a credit history is also common among divorcees and widowed women as they might have shared the accounts with their spouse and that were reported in the latter’s name. Building a credit history by applying for credit in a local business unit or bank may be resorted to in such cases. Another option would be to open a savings or checking account to show your management of Money. Paying the bills on phones and pagers on time will demonstrate the capacity to pay. Securing a standard or secured credit card may also solve the problem in building up a credit history.
Maintaining a good credit history shows your responsibility to pay off your debts. Should you feel that the debts are getting out of your control you should not hesitate to seek the help of a financial counselor who can assess the situation better and find the best option to bail you out of the trauma. A poor credit history may not only deny you further loans but also creates stumbling blocks in finding a job or letting out an apartment. The importance of rebuilding the credit history assumes significance in such a situation. Obtaining a credit card either standard or secured and making regular repayments and payments of various bills on time to mention a few would enable you to get back to a good credit rating. At the end a good credit history is your passport to the ever expanding world of credit...
Debt Consolidation Uk : United It Can And It Will Make A Difference ...
Desires keep on growing day by day but all of us have limited funds with him and to meet all the desires at one time is impossible Thus, to fulfill all the desires, one tends to borrow money from more than one lender to meet your funds requirement but later on these debts become a big problem for you , it becomes literally impossible to handle so many lenders at one time.There is a solution to this problem and that is the Debt Consolidation UK.
Debt Consolidation UK helps in debt management. Debt Consolidation UK as the name suggest consolidate all your existing debt into one for a lower rate of interest. At times, it become difficult to deal with so many lenders and you may even forget to pay the loan installment to any of the lender so there is a risk involved. debt consolidation UK makes you liable to one and only one creditor . It can help a borrower in improving his credit rating by making the payment on the loan in full and on time.Its not about putting more debt burden on your shoulders rather its all about consolidating the clustered loans into one big chunk to make it more manageable, it just a transfer of debt to a new lender.
As Debt consolidation UK replaces multiple existing loans and mortgages with a single loan from a new lender which reduces monthly payments by distributing the loan over a longer period of time so it usually bear lower rates of interest than the existing loan and offers more flexible repayment options.With the growing number of defaults on loan payments and bankruptcy cases, debt consolidation has become a common practice in UK. Debt consolidation UK is customized for UK residents to get them out of debts.With the increasing competition in the loan market, various lenders such as financial institutions and banks in UK offer loan for debt consolidation at low interest rate.There are various options available when you opt for debt consolidation UK You may choose from one of them that suit your circumstances and needs. If you have a property or home, which you can keep as a security with the lender, then you can opt for secured debt consolidation UK. This offers greater flexibility with a larger loan amount and a longer repayment term. A borrower can choose from the several interest rate options available such as fixed interest rate, variable interest rate and many mo In case you don’t want or don’t want to have your property at stake you can go for unsecured debt consolidation UK. Debt Consolidations UK suits you even if you have experienced: poor credit history ,defaults , arrears or bankruptcy
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