10 bad habits keeping you in credit card debt
Welcome to the Stellar Journal. Every month our goal is to try and write or pick up a few articles on subjects that will be of interest to a wide range of individuals in the finance, credit, and insurance fields.
This Month’s Topics Include:
START WITH $10,000 AND RETIRE A MILLIONAIRE
All it takes is money and time; it always does. But what this really means is you have to save money over time, and that’s where so many of us struggle. Reaching age 65 with $1 million saved requires strong discipline and sustained effort. You need to recognize the importance of starting early and putting money away regularly. But even if you don’t have as much time, you still have options other than a last-ditch Hail Mary pass.
TEN DUMB THINGS TO DO IN A RECESSION
The big bad "R" word makes people do strange things. Buck the trend and don’t be dumb with your money now. No-one, I repeat no-one, is bulletproof in a recession. People lose money and people lose their jobs. Here’s what you shouldn’t be doing:
WORKMANS COMPENSATION POLICIES – THE INSIDE SCOOP
Workmans Compensation Policies may often contain loopholes and ambiguities in the policy language that may ultimately allow insurance carriers to maneuver out of their obligations to an injured party. In this interview, Dennis Cassidy, CPCU, CIC, will share his expertise on how you can make sure that your employees and company are firmly protected.
DEBT COLLECTION ISSUES ON BOTH SIDES OF THE FENCE
I would like to welcome all of you to participate in my discussion group, "Debt Collection Issues on Both Sides of the Fence" on Linkedin. Recent discussions have included:
"Cultural Innovation – Who’s Making a Difference?" and "The Check’s in the Mail". Your thoughts and comments are all welcome.
WHY THE MIDDLE AGED ARE MISSING OUT ON NEW JOBS
Like many other things in the stutter-step economic recovery, the job market is finally recovering, but progress is uneven and some people are being left out. The latest jobs report, for example, shows that the economy created 216,000 jobs in March, for a total of about 1.9 million new jobs since employment levels bottomed out at the end of 2009.
EVEN WITH TOO MUCH DEBT, YOU STILL HAVE OPTIONS
If you feel like you’re in over your head with personal debt, you’re not alone. Millions of Americans have become overextended, many as a result of easy credit and the recessions. Credit cards, medical bills, personal loans, and raising interest rates do not make a good financial mix.
CREATING THE FINANCIALLY SMART DIVORCE
Whether your divorce is amicable or bitterly contested, one fact is true in every case. With divorce, comes change, social change, emotional change and financial change. The man or woman who is informed will be better prepared for those changes and will cope better with this difficult situation.
BRAZIL’S DEBT COLLECTION INDUSTRY – IT’S NO CARNIVAL
Octávio Jose Aronis is one of the leading figures in Brazil’s debt collection industry. In this interview, Mr. Aronis shares his insights on the present and future of Brazil’s debt collection industry.
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