General | Fraud Awareness

Living a Debt Free Life with Consolidated Credit News

September 27, 2010 By admin Leave a Comment

Due to the large influx of easily available credit cards in the market, many people find themselves trapped into debt problems. In order to lead a comfortable lifestyle, people start acquiring things beyond their means and eventually fall into a debt trap. It is estimated that America has around $980 billion in credit card debt alone, with average credit card debt of $4000 per person. Consolidated credit news offers detailed information on these issues with plenty of eye-opening articles.

Think Twice

Possessing numerous credit cards is normally fine, but if the bills on all of them are unpaid, you are in for big trouble. A perfect customer for a credit card company is someone who has reached the credit limit of the card and pays only the minimum amount on the outstanding bill. Thus, every time you are swiping your credit card, think twice whether you really need the purchase you are making. If you are a shopaholic, get help from professionals.

Debt Consolidation Loan

If you have already made mistakes and fallen into a debt trap, it is essential to take steps to come out of it. Debt consolidation is the best method for this. It is a process of getting a single loan at a lower interest rate in order to pay for multiple debts. Usually, a secured loan with collateral will offer lower interest rates, and such loans are best to pay off the debt. As different debts are consolidated into a single loan, it becomes easier to arrange money for its payment.

Credit Counseling

Make use of credit counseling services to keep your debts in check. Having a detailed consultation with counselors will provide you with a realistic solution for your asset management, financial planning and debt management. Such services also do debt consolidation for people with a bad credit history, so you can always get help.

Filed Under: General Tagged With: Debt, Debt consolidation, Debt Settlement

Full Circle

September 25, 2010 By admin Leave a Comment

When the words bribery or manipulation come up in any conversation, the immediate response among most is the shaking of the head and the words stupid and arrogant are heard. Sit with any gathering of people and start this conversation. The result is always a negative one. If you are brave enough, go a little deeper into this conversation next time it comes up and ask why these human acts elicit a negative response. Then pop the blister with this one: “How did you get your mom and dad to do what you wanted them to do? You will see a few immediate flushed faces as it sinks in that the tool of manipulation began at a very young age. If you carry the conversation further, another fact will become apparent: not all parents fell for the ruse.

Of those who were successful in manipulating their parents, you may also find that they are the ones with the best record of having scored in life, either with the raises at work, the position they attained professionally, or the amount of successes they had in the dating scene. Of those winners there may be a few whose expertise lies in the use of debate to win. These will be the verbal few who monopolize the conversation. If your group is large enough, a couple of your debaters will have the habit of arguing using wrong information without concern for the truth as long as they win the debate. That’s when you ask them what office they are running for, how many dates ended with physical success but emotional loss and how many times they won over their parents.

When you are walking home with your best friend from the group, that is when you can admit you never got away with anything because your parents saw through the ruse. Then the two of you can celebrate the fact that you are miserable debaters but damned good parents. The good parents don’t have to debate. They already know the truth and won’t allow for the joust. Their kids also live integrity.

Filed Under: General, Politics Tagged With: Family, Human, Parent

Giving Instead of Taking

September 23, 2010 By admin Leave a Comment

: Image via Wikipedia

Giving is a lot more fun than taking. When was the last time you were not able to make yourself smile when you saw the face of a four year old child receiving a double-scoop ice cream cone? The child definitely enjoyed the gift, but any adult who appreciates kids will tell you that these events of giving stick. They changes who you are.

Taking fulfills needs but often the needs are there due to mind altering situations in life that provided you with the impetus to take. In other words the needs are false. Taking occurs only when there is pain involved. You won’t take when you are full of love, happy, and ultimately satisfied with who you are. It’s not natural if you are a stable person.

Counter that. If you are a stable person and your life is suddenly dissolved into a frenzy of loss, the brain stem takes over and you are no longer you. It is then normal to take. It’s called animal instinct to survive under derisive conditions. Consequently normal can have two opposing meanings. Normal under what conditions?

Western society was primarily built on doing for self. It’s not healthy according to the standards of those who have the ability to think for themselves completely enough to see that they are not separated from the rest of society. However, business practices, theories and many colleges that teach business still depend on the idea that business works best under competition and under competition the number one rule is take. Knowing this, one realizes the controversial world that we live in teaches two opposing philosophies simultaneously: Good people give. Successful people take. This has created a delusional outlook among most, thinking that they are good people as they practice the capitalistic norm. Schizophrenia ensues. Society is sick. The human mind has a habit of self-punishment when it feels it is doing something wrong. It’s a common psychological malady.

What has caused the schizophrenic condition of society? People. Who is responsible for finding health again? Watch the kid with the ice cream. It’ll come to you.

Filed Under: General, Politics Tagged With: Disease, Health, Schizophrenia

5 Fear? How Powerful is It?

September 21, 2010 By admin Leave a Comment

That depends on who you are and how much of your own power you are willing to give away. “A distressing emotion aroused by impending danger, evil, pain, etc., whether the threat is real or imagined; the feeling or condition of being afraid.” That is Webster’s version of fear. Note the part that says: “whether the threat is real or imagined.” That is the critical piece, because those who live off of other people’s fear depend on the imagined fear to control those around them. That’s how corruption works. If you act on the potential for loss, you have given your power away. The parasites win.

Amplitude is a measurement of power. You have amplitude: emotional, physical, and mental. You are energy. You make decisions every day about how to use that energy. When you are born and raised in a society that breeds capitalistic enterprises built on the fear and loss of others, you are trained from the beginning to protect yourself from loses, including losses that never occur. This sets up frenzy in the general population, ripe for picking. So who are you to the manipulative few who have the physical wherewithal to take at a whim? Amplified fodder. Do they need to create a true disaster to make you give what should never be given? Not at all. You already have your pockets turned out in an effort to avoid the pain that comes with the imagined fear. You accepted the bribe before it happened.

How powerful is fear? It is worth a fortune to those intent on taking without concern for the final outcome. Without fear, the merchants of distress have no power. The manipulation fails, the bribe never occurs. Those who play the power game will never give up these tactics. To expect otherwise is foolish. However, your own clarity of mind can move the corrupt actions of those in power one step further from success. Fear is only as powerful as you allow it to be. Giving it away fuels the fear merchants. How much are you willing to pay them today?

Filed Under: General, Politics Tagged With: Emotion, Energy, Fear

Where Extremes Create Doors to Center

September 14, 2010 By admin Leave a Comment

: Image by Getty Images via @daylife

The savvy find historical patterns and look forward to see the future. It’s circular. Most people hated history classes, doing their best to forget facts that slipped into their minds during class. That’s unfortunate. Most history teachers cannot motivate the student to see the reason for learning history. Many history teachers may not know themselves. However, there is one faction that knows history repeats itself and studies it for that reason. They are the opportunists who know how to think far enough ahead to know to look backwards for the clearest picture of human future.

The most recent historical pendulum swings between fascist governmental behaviors and their opposites. In the 1930s a battle ensued between fascist/capitalistic extremes and a morphed form of Marxism. The end result was what is now called Capitalism and Communism. Both have become so extreme that they are more similar than different and both are in the midst of total collapse.

We live in a time of shift. The systems are bottoming out again. It is a time of great loss. The savvy are watching very carefully, preparing for their next move, because collapse spawns growth. This means that the average citizen has the greatest chance for making change now. You will not have a direct affect on the powers that be. Their corruption is complete and their path will be determined by the slug fest that ensues between card-holding authorities. However, you do have the greatest opportunity to be heard at ground level now, because as the collapse of controlling enterprises continues, people also begin to listen to new voices. The average person has more power now than they have had in the past forty years.

Here is the critical piece: People follow people who act, not talk. If you want change, your power lies in the decisions you make to cause growth, and how open your actions are to aiding the largest portion of the people. Corruption has put a highlight on benevolence. Act at ground level in your community and the response shouldn’t surprise you . . . if you know your history.

Filed Under: General, Politics Tagged With: Fascism, History, Human

Monogamy with a System

September 12, 2010 By admin Leave a Comment

Scientific studies show that monogamy among humans doesn’t work too well. You didn’t need the studies. Look at the divorce rate. What causes it? There are a myriad of causes and none can be blamed totally. The problem lies in undercurrents of society that eventually strip away the basic love between couples and leave them floundering to fill needs with external things. The tradition of marriage has changed. People lost the meaning of this tradition. Depth of love is gone.

Humans grow, change and develop over time. No one moves in the same direction. Diversity creates this. You may not like the downfall of monogamy, but this built in diversity and differences in personal growth can’t be ignored. It just happens.

People love hanging onto tradition. But traditions are also outgrown eventually. People hang onto tradition because it makes them feel safe. Change is scary. In some populations the Christmas tree is sacred stuff! It draws families together in December. The Christmas tree is not that old of an idea. It is a new tradition as history goes. Wikipedia dates traditional decorated Christmas trees to 1476 in Germany. The facts can be argued all day. What can’t be argued is that as far as human history goes, it is a relatively new tradition and it is only seen as such by a small portion of the world society. As people move and society changes, so eventually may this tradition. The traditions that last are the ones based in love and unconditional acceptance of all traditions.

Politics is traditionally corrupt and self-indulgent. Monogamy within that system does not have to remain. It’s OK to change. Change is healthy. You don’t have to believe that the status quo of corrupt selfish idealism has to remain. You have the right to divorce yourself from it and start your own tradition. Being a traditional Republican or Democrat is moving along the path to extinction. Let go. It’s OK to grow. The Christmas tree was once a new idea! It was a beautiful one. You can create another without the selfishness of current systems.

Filed Under: General, Politics Tagged With: Christmas tree, Germany, Human

Watch Out for Fraud in the Refinance Car Loan Industry

September 11, 2010 By admin Leave a Comment

Business fraud can occur in any business industry. This is simply the nature of modern business, because many unscrupulous people are doing business in this day in age. When you decide that you want to check into a refinance car loan, you have to be prepared to protect yourself against people that may not have your best interests in mind. If you do not protect yourself against fraud while refinancing your car loan, an unscrupulous lender may attempt to take advantage of you. The more you know about business fraud, the more you will be able to protect yourself.

When you refinance a car loan, what you are doing is attempting to alter the terms of your car loan to benefit you in some way. A refinanced car loan should offer you more favorable terms. When you refinance your car loan, the result may be a longer term period, a lower interest rate, or lower monthly payments. The reason is that you are refinancing for a smaller amount than the original cost of the loan, and you have been paying your loan as agreed, so you should be able to get a better interest rate as well.

Unfortunately, sometimes when lendesr help you with your refinance, they may actually try to give themselves the more favorable terms. Loan fraud can exist in large and small ways, so sometimes fraud may be committed against you without it being readily apparent. Because of this, it is imperative that you read over the terms of the loan carefully and completely to make sure that the deal is favorable for all involved parties and not working against you in some manner. Refinancing a car loan can definitely be a good thing when the loan terms are honest and beneficial to you, but you have to be careful not to let a lender get the best of you.

Filed Under: Fraud Awarness, General Tagged With: Business, Fraud, Loan, Refinancing

Dealing a Soft Blow to “Illegal”

September 5, 2010 By admin Leave a Comment

Webster’s Dictionary: contrary to or forbidden by official rules or regulations.

The Sage Dictionary has a few secondary meaning that are more fun: Under-the-counter; ill-gotten; hot; dirty; embezzled; and an illegal chess move. Let’s work with chess on this one.

If you take the queen with the knight following the lines of the bishop, it’s embezzling the queen, right? If the opposing knight comes at your knight from behind, diagonally across the board in the same bishop manner, then is the act ill-gotten? It depends on the perceived rules of the house. If you are talking about a group of kids who have created their own rules, it may be perfectly legal all the way around. You just didn’t know what they were doing.

In the game of Monopoly, many families put all fines in the middle of the board. When someone hits the no-parking square, that person gets the pot. Look it up in the rule book. It’s not there. But to tens of thousands of families, it is a key part of the game: a chance to regain losses.

Get two families together to play Monopoly and each may have different rules. All see their rules as correct and will fight to the end to support their perceived right. “Perceived right” in the human mind is no different than a fact to the person taking the queen with the knight in a bishop move. It was sanctioned! Knight and Bishop approved! Not arguable.

Where then does the truth lie? Not in the written rules but in the way we treat each other in competitions that a vague. Next time you see a knight in bishop’s clothing stealing the queen, hesitate for a moment before you attack. The corruption of that moment may not be perceived by the offender. Forward attacks are not always the best. Sometimes the true knight’s move that sneaks at angles is appropriate as long as the move opens the eyes of the offender. A knight for a knight will simply bring out more knights. Be gentle. Some adults are kids. They just need to be taught.

Filed Under: General Tagged With: Board game, Chess, Webster's Dictionary

Loaded Dice

September 3, 2010 By admin Leave a Comment

: Image by birdphone via Flickr

Team one: employees who work for minimum wage in retail outlets. Most are young adults between 18 and 25 either going to the local community college or those determined to make it on their own in the business world, working from the ground up. Many of these potential entrepreneurs are forced to work at least two jobs due to poor pay and no benefits. Their primary objective: Sell, sell, sell. . .

Team two: the average person who enters a store holding to the belief that a need exists for a product due to the constant barrage of advertising that they allow to hammer their minds while watching TV eight hours every night. (Nielsen Media Research: The average American sits in front of the TV 8.25 hours every 24 hours.) Their primary objective: Buy, buy, buy . . .

Note about team one. By and large they are also members of team two without realizing it.

Game play rules: There are none.

Game objective: Team two is to satisfy the urge to acquire as much as possible to fill the empty void created by advertising. Team one: Help them.

The elite officers of team one: advertisers who brain wash the general public with TV ads.

The elite officers on team two: The select few who do not watch TV and purchase as needed. Unfortunately these members create a negative point flow for their team.

The referee: Team one. The game is rigged. Team two loses every match. The harder they try to win, the more points team one gets. It’s a coin toss with heads on both sides. To make matters worse, not playing doesn’t work due to team one’s need to stay afloat financially to feed money into the hands of team two for spending on team one!

The name of the game? Consumer Economy. The end result: corruption beyond explanation designed to continue the play of a game that is flawed and will end in total destruction from the get-go. Why? Look at the name of the game: Consume, get it? No? Turn off the TV and go to bed.

Filed Under: General Tagged With: Television, United States

Car Insurance for Seniors

September 2, 2010 By admin Leave a Comment

If you’ve maintained a safe driving record throughout your golden years, take advantage of the savings it could bring to your auto insurance bill. While the news media has a field day every time an elderly person hits the gas instead of the brakes, most senior citizens are excellent drivers. They usually take their time and pay attention to the road conditions better than younger drivers.

While some insurance companies may try to claim that failing eyesight and poor response times are a reason to raise your rates even though you haven’t had an accident or even a parking ticket, other insurance companies will value your business. In fact, many may give you an extra discount for your great driving record and for any organizations that you belong to.

It’s important to shop around for the best rate. If you’re comfortable using the computer and the internet, online auto insurance quotes are quick and easy. They will provide you with a single listing of several policies by different insurance companies. This is an extremely convenient way to comparison shop for your new policy.

In addition to using online quotes, you may want to ask around for senior-friendly insurance companies. Groups like AARP and AAA may know the best companies for you to try. Remember that many auto insurance companies will also give a discount for keeping your car in the garage, for anti-theft devices, and for safety features. Make sure that they know everything there is to know about your car so that you can take advantage of all the discounts.

If you own your own home, you can often get a larger discount on your home owner’s insurance by purchasing auto insurance from the same company. Don’t let this stop you from shopping around if you already have a big discount. Sometimes, you can find a deal that’s even better from another company.

Filed Under: General Tagged With: Financial Services, Vehicle insurance