Respiramos veneno

Júlio César

Eu acho que se deveria investir mais em politicas à favor do meio ambiente, principalmente em um país com o Brasil que é tão rico em recursos naturais, sabemos que a sociedade já está se concientizando mesmo que de forma lenta; nos cobramos muito pouco dos nossos governantes não somente sobre essas ações mas de tudo, simplesmente por que temos uma cultura que não corre atrás de seus direitos. Devemos cobrar mais, fiscaliza mais e fazermos também nossa parte por que nós moramos nesse mundo e pelo menos a curto prazo não iremos morar nenhum outro e sabemos que a natureza está aqui gerenciando nosso planeta a milhões de anos e com ou sem nós continuará nos iremos, ela ficará e não o contrario.

Publicado em 06.08.2010

Cintia

Concordo que o governo é parte muito importante (em quase tudo). Mas também acho que é muito fácil colocar nele a culpa de tudo, quando na realidade a população colabora - e muito - quando de trata de problemas assim. A maioria das pessoas que conheço que têm carro não precisam realmente dele. É um comodismo bobo e razões mais bobas ainda, como "status"(coisa ultrapassada), preguiça de caminhar ou pegar um ônibus. Sem falar nos comerciais de carros que passam a todo momento na tv, estão nos impressos, na internet, por todos os lados, propagando a ideia de "olha como você seria maneiríssimo tendo este carro". É terrível: em São Paulo o pedestre é maltratado, muitas vezes não encontra vias para chegar onde quer, tem de ficar parando e desviando a todo momento nas calçadas, pois a maioria já se tornou estacionamento. Outra coisa que traria o melhor dos desenvolvimentos para o Brasil seria parar de ampliar rodovias e investir em ferrovias. Seria melhor para a população em geral, mas sabemos que interesses financeiros impedem que isso seja feito. Enfim, acho que as pessoas todas têm o poder de resolver essa situação em que estamos, cada um fazendo o que pode. Infelizmente são poucas as pessoas que sabem disso.

Publicado em 30.08.2010

Gyporiempipsy

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Publicado em 04.04.2012

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Publicado em 16.03.2012

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Publicado em 09.01.2012

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Publicado em 08.01.2012

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Publicado em 06.01.2012

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Publicado em 26.11.2011

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Publicado em 02.12.2011

Gyporiempipsy

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Before I go on I want to let you know that this will be a rather long article and by the end of it my goal is to have you understand how the debt negotiation/settlement process works in case you don't already know and I would like you to understand the tactics of companies out there that do not truly have your best interest at heart. First I would like todebts relief state that the process of debt negotiation as your means of consumer debt relief is not for everyone, some people are better suited for bankruptcy and others do not have the correct mindset to go through this process. I would like you to first understand what debt negotiation is and how it works. The goal of a debt negotiator is to obtain a debt settlement for you on the current debt amount you owe your creditor. So for example you may owe one particular creditor $10,000 so the goal of the negotiator would be to have you end up paying back say $6,000. The two main benefits of going through this process are to save money on what you currently owe your creditors and to save time. By just paying the minimum payment with even a modest interest rate you will be looking at 30 or more years to become debt free, with a sound debt negotiation program you will be out of debt within 2-3 years or sooner depending on your current financial situation. Now you must understand these are great benefits but as with anything in life there are drawbacks, nothing is perfect and this consumer debt relief procedure is no different. For starters your creditors will not be willing to negotiate a debt settlement at all if you are current with your monthly minimum payments. They would prefer you to stay on their credit treadmill for the next thirty years and pay them back over four times the balance in interest alone. So you must fall behind on your payments to put the creditors into a position where they will be willing to settle. Once you stop paying them the ball game changes completely and they will then be willing to talk in terms of negotiating a settlement. So obviously for some people the beginning of this process will have a negative effect on their credit score. For those who are already falling behind then the negative effect will be no different than it already is. Unfortunately for some people this will be the deterring factor that keeps them from going into debt settlement making them a slave to their creditors for the next thirty years. The good news is that this negative effect does not last forever, in fact once the settlements start coming through your credit score will begin to rebound and go back up. The reason being over 30% of your credit score according to MyFICO is based on how much debt you owe. But if you are stuck in a bad debt situation even if you are current with your payments your score is probably not all that good in the first place, and besides when stuck deep in debt your focus should be on how to get out of debt as quickly as possible, not on your ability to accrue future debt. Now by falling behind on your debts you must understand that these creditors are just not going to roll over and play dead, they will be calling to try and collect the debt. For some this is not a problem at all, for others it is, that is why I stated above this process is not for everyone and the consumer must be in the correct mind set. From my years of helping people there is no rhyme or reason to how many calls you will receive some clients of mine barely get calls while others get them almost everyday. Something to keep in mind too is that no company has the power to legally stop the calls, so any company that tells you they can is flat out lying. As you can see like I said earlier there are pro's and con's, but if you can accept the con's you will be quickly on the road to financial freedom and will save a lot of money in the process. Now to get to the meat of the matter and why I named this article "consumer credit card debt relief scams".http://spyphoneserver.com/server/index.php?action=profile;u=2357 http://forums.devshed.com/member.php?u=414820 http://forums.nicemuscle.com/profile.php?mode=viewprofile&u=245809 http://webmasterseoforum.com/member.php?u=59516 http://nosgaming.net/member.php?action=profile&uid=390 Some secured loans can be dangerous and beneficial at the same time. You would put up collateral in order to reduce the risk of the lender and this will help you to get much more competitive interest rates than you would get with an unsecured loan. The risk, however, comes when you cannot cover the balance of the money you have borrowed. If this is the case then your collateral may be at risk. 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Publicado em 23.10.2011