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Inventions and Patents
There is one kind of home business that is very different to any
other: that of the inventor. If you've invented something, the
chances are that you don't have the resources to mass-produce it
yourself - you'll be needing to send the plans and...
New Years Resolutions And Branding
Publishing Guidelines: Permission to reprint the following article, at no charge, is granted under the following conditions. Content may not be altered, changed, or edited without author's permission. The byline must remain in tact and as...
Pick Up the Slack
Pick Up the Slack by Bob Osgoodby Many people in business on the Internet try to market only one product. If the demand for that product is weak or if the demand dries up, they are virtually out of business. Smart entrepreneurs however diversify...
Reverse Affirmations: How Self Motivation Sells!
A reverse affirmation is a positive statement that
you tell your readers to tell themselves. You would
write it in present tense like they've already solved
their problem or completed their goal.
For example:
Now, tell yourself "I am a...
Stakeholder Theory, Symbiosis and Appraisal
Stakeholder Theory, Symbiosis and Appraisal By : Jane A Link The One-Eyed Doe There was once a doe, blind in one eye and accustomed to graze as near to the edge of the cliff as she possibly could, in the hope of securing her greater safety. She...
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Can Debt Consolidation Help You Avoid a Financial Emergency?
Studies have shown that most filed bankruptcies are caused by a few specific reasons. Unexpected medical bills, divorce, and unemployment are the three biggest causes behind bankruptcy. However, these things alone do not usually lead to bankruptcy. Usually, people who are financially in jeopardy find themselves unable to avoid bankruptcy when these things occur. The signs of bankruptcy, though, are usually present long before bankruptcy actually happens. You may be vulnerable:
•If you are living paycheck to paycheck. If you are unable to put any money aside after you have paid your bills, then you are very vulnerable. If your paycheck were interrupted for any reason, such as unemployment or illness, you would not be able to afford living without borrowing. If you are living paycheck to paycheck, you would not be able to afford any debt payments or any unexpected expenses. Debt consolidation can help by helping you figure out where your money is going and by helping you afford your bills.
•If you have no savings. If you have not put any money away then any financial emergency such as unemployment or illness can leave you without money for the basics. With no savings, you would have to borrow in order to pay for the basics in case of an emergency, a risky
practice that can quickly lead to unaffordable debt.
•If you have no financial emergency plan. Many people panic if they are unemployed or are faced with divorce or sudden expenses. This can be dangerous, especially if the panic leads to non-action. Just as you have a plan in case of a fire in your home, you should have a plan for dealing with a sudden financial emergency. Your plan may include assets you can liquidate to make money or extra expenses you can cut. By acting on your plan as soon as emergency happens, you can avoid bankruptcy.
•If you have large debts. If you have lots of debts, any emergency may make you unable to meet your debt payments, leading to bankruptcy. Debt consolidation can help you avoid bankruptcy by making your debt payments affordable and by helping you pay down your debts.
About The Author
Rachel Smid is a research analyst for http://www.SearchServices.ca and now hopes to share her expertise through publishing information on consumer credit. She wants to help others in their financial planning and debt managment. For more free tips, articles and debt resources, please visit http://www.mycdc.org/.
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