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www.totaldebtrelief. net uses a pitcher and a glass of water demonstrate the effects of minimum credit card payments. This video uses a simple analogy to describe how the average American is throwing away their money to the credit card companies. Visit totaldebtrelief.net for more information on credit card debt relief.
The road to ... By: 6000deepsead. on 09 Feb 12, 10:23:45 The road to bankruptcy is paved with plastic.Althou some bankruptcies were due to high medical expenses and downsizing,a great many had to do with credit-card debt.Card issuers encourage their consumers to go into debt with incentives like frequent-flier miles,cash back and low introductry interest rates."We're finding a lot of people are living off their credit cards,and they're even making their credit-card payments with? a credit card,"says executive director of CCCS.
I'll never have a ... By: mackat4ck. on 08 Feb 12, 01:20:26 I'll never have a credit card!?
I have a big debt ... By: ispyonu20. on 06 Feb 12, 07:18:35 I have a big debt with this CC... its kinda screwing me up! I need to pay it off ASAP... so I hope like in a year I can be free of? debt... xDD
Please checkout my ... By: mostpopular2010. on 05 Feb 12, 05:49:07 Please checkout my channel to find out how Credit? Rating works and how to improve it
The owner of ... By: gondalsb. on 27 Jan 12, 22:15:49 The owner of Citibank once said
"the best way to manage a credit? card is not having it"
I agree
Don't let the ... By: bewustwording. on 26 Jan 12, 15:41:57 Don't let the financial crisis bring you down. I started working from home and I'm now making 200 dollars a day... Don't be? the victim, create your own luck! It's really worth checking out the website below, this guy is amazing...
Go to 2012bestoffers(.)com & Click the guy in front of the lamborghini's...
Enjoy life!
thats right
i pay ... By: anshulkamboj. on 26 Jan 12, 05:27:00 thats right
i pay off my credit? card, make pyaments up to 1000 up to month
Credit was never ... By: natenorrish. on 24 Jan 12, 17:52:02 Credit was never thought up in order to screw people over... it's the people who are screwing themselves over by not earning enough for the debt they have! If you use credit properly, it's extremely useful.. and the idea is nothing is for free..? the banks have to make some money somewhere along the line... hence the interest! If you can't afford the interest, don't use credit... be patient and save instead.
Several years ago I ... By: orionstarman. on 21 Jan 12, 21:28:37 Several years ago I had about $15,000 in CC debt. One day I got in the mail an offer for a new CC with the enticement of 0% interest to rollover any unpaid balance on other CCs. I jumped at it. After a year the interest rate reset up to 9% but low and behold I got another 0% offer from another? CC company and jumped on that one. Same deal after 1 year it was about to reset to 9% and you guessed it I got another 0% offer. It took about 3 years but I paid it all off with almost no interest.
@mycesi Credit card ... By: marcowebreg. on 20 Jan 12, 22:55:05 @mycesi Credit card debt has been deceptively sold as a clever tool for debt enslavement. The CC companies favorite customers are those that can't afford to make regular monthly payments and will get wrapped up on fees forever... legal fees, late fees, missed payment fees, ridiculous interest rates that COMPOUND monthly. Albert Einstein allegedly once declared compound interest? to be THE most powerful force in the universe... think that one over. Stop paying all of it. They are crooks
@TheMEK3 You are? ... By: agun17. on 19 Jan 12, 19:05:49 @TheMEK3 You are? pathetic.
@agun17 This is ... By: TheMEK3. on 19 Jan 12, 18:00:27 @agun17 This is obviously? way above your comprehension. You do you and I'll do me. Fair enough Sitting Bull?
@TheMEK3
* ... By: agun17. on 19 Jan 12, 14:56:46 @TheMEK3
*facepalm* Not all exponential functions are in base e. Ever heard of exponential growth?? No, of course you haven't or you wouldn't have said such ludicrous statement.
@agun17 Okay. But ... By: TheMEK3. on 18 Jan 12, 21:11:22 @agun17 Okay. But are you aware that if this was an exponential function then we would be working with "e"? There is no "e". Again, this is simple algebra. When you have a credit card and you do charge $10,000 you are suppose to pay if off before the next billing cycle in order to avoid any interest charges. In the example, we only paid the minimum balance of $142 which? means that we didn't pay it off in the full month. Maybe you should understand the difference between the two.
@TheMEK3
This is ... By: agun17. on 18 Jan 12, 00:04:37 @TheMEK3
This is an exponential function. The first month you will lower your debt by a lower amount than the 12th month thus you can't simply assume the amount by which you've lowered your debt in the first month will be the same for the 12th month. The average monthly amount by which you lower your debt in? the first year is $24.5 using the example in this video.
Please understand the difference between an exponential equation and a linear one before attempting to correct me.
@agun17 Your math ... By: TheMEK3. on 17 Jan 12, 22:00:41 @agun17 Your math is way off! This is simple algebra.
10,000 - 142 = 9,858
9,858 *? 17% * 1 / 12 = 140
9,858 + 140 = 9,998
Whatever you did is calculus.
...and they "Loaned ... By: Will224000. on 15 Jan 12, 01:26:07 ...and they "Loaned" you "Money" that never existed before you borrowed it...
...Banking is the Best Racket !...
...the flip side is that ALL "Money" is brought into circulation? as a Debt and if no one borrowed any money there would be less and less in circulation... that leads to Inflation...
This is an example ... By: jmweb7. on 13 Jan 12, 16:21:00 This is an example of? how credit companies will mislead you as in this video they make you believe you are being charged 17% monthly and yet you are only being charged 17% yearly.
#fail
this is a? ... By: moneyandsociety. on 13 Jan 12, 01:24:08 this is a? brilliant video
@agun17 I figured ... By: fatcatbuzz. on 11 Jan 12, 13:14:39 @agun17 I figured the calculations to be a little off in the video. However, the point is still there. I would be many? years to pay off a credit card if you only pay the minimum payments.
The people? that " ... By: AngeloBGC. on 11 Jan 12, 10:56:57 The people? that "Thumbed up" this video sure no about maths ...
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((10000-(142x12))x( ... By: agun17. on 06 Jan 12, 03:12:09 ((10000-(142x12))x(17%))+(10000-(142x12))=Debt after 1 year=9706, not 9995.
((9706-(142x12))x(17%))+(9706-(142x12))=Debt after 2 years=9362, not 9990.
((9362-(142x12))x(17%))+(9362-(142x12))=Debt after 3 years=8960
It's an exponential funtion. The video used a linear function, thus? it's calculations are invalid.
@TWSceptic hey ... By: EliyasTensai. on 04 Jan 12, 06:45:03 @TWSceptic hey excuse? me, I am deaf and I can't hear what they said so. To use on CC for those who deaf or hard of hearing people use them to read what a person's speak about this
that why they get ... By: bibolcs. on 29 Dec 11, 21:18:44 that why they get rich? and us we get squash (we are the other 99%)
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www.letsforgetdebt.c om - An excellent informative site and service to help anyone with credit card debt. A step by step video talking about the reality of credit card debt, and how the credit card companys are really charging you 83.3% interest.
Call lexingtonlaw? ... By: mostpopular2010. on 05 Feb 12, 05:52:17 Call lexingtonlaw? 1-877-375-3165 for FREE Transunion Credit Report or visit lexingtonlawcoupons com/learnmore
its a mental ... By: SOLIDSNAKEXXX360. on 08 Jan 12, 10:43:25 its a mental disease called consumerism, most first world nations suffer from this, people sacrfice thier health and waste thier time making money so that they can buy what they dont need, thats what the banks prey on, 99% of people suffer from this disease and the 1% profit off them,? simple
Bank of America, ... By: melthompsoniii. on 03 Jan 12, 06:52:33 Bank of America, Chase, Citigroup, and Capital One, all too-big-to-fail institutions, all bailed out for billions in 2008, issue over two-thirds of the credit cards used in the U.S. While? they each benefited from a bailout when misfortune or poor judgment befell THEM, none of their credit card holders can hope for the same.
Very? informative. ... By: CreditCardsAussie. on 27 Nov 11, 00:48:27 Very? informative. The best thing any of us can do is only spend what we can afford.
@donniebrasco24 ... By: LeonardMRubino. on 08 Sep 11, 19:04:02 @donniebrasco24 Yes that applies to about? 94% of the people who have credit cards
awesome video!!!! i ... By: johnson32gia. on 22 Jul 11, 19:03:45 awesome video!!!! i have? actually used letsforgetdebt Great help!
GUIDO ON THE CORNER ... By: bigtruckseriesreview. on 20 Jul 11, 01:36:57 GUIDO ON THE CORNER DON'T TRY TA CHARGE YOU THAT KINDA? INTEREST LOL
When you start ... By: joshascott. on 10 Jul 11, 19:54:49 When you start getting scared to look at your bank statements thats? when your in trouble
Only idiots are? in ... By: CoolThingsNGlitches. on 24 May 11, 04:09:57 Only idiots are? in debt
Best thing to do is ... By: alwayson09. on 16 Mar 11, 08:03:42 Best thing to do is file bankruptcy. I've done it twice and? don't regret it at all.
I had $12,00 and $ ... By: jackchief. on 17 Jan 11, 02:31:52 I had $12,00 and $8,000 credit cards at 29% , the banks raised the rates from 8% because of "universal default" , this is despicable!. My attorney told me to send them a certified letter to not call me [by Federal Law they must stop]! This is a "Federal law". . Then? he suggested that I don't pay for about 4 months at which time they'll get someone to negotiate. I didn't pay and I won't so I save $300 a month. my credit score is low.. but so what! Call a free state Attorney or any Attorney!
@afodis Not ... By: MegaBeerFart. on 02 Jan 11, 04:26:12 @afodis Not necessarily. Debt can be incurred involuntarilly in a number of ways. One of the biggest? reasons can be due to suddenly becoming sick from a disease. Americans polled in 2009 reported that they had filed for bankruptcy and 62.1% that polled showed that it was due to outstanding medical bills. 3 out of 4 people who filed for bankruptcy had insurance.
Exactly right. The ... By: mrdokma. on 14 Dec 10, 00:15:41 Exactly right. The thing is that in order to develop the opposite mindset you need to practice somewhere. Now, no one wants to practice with their own money. But there is a great site where you can participate in projects and earn money online and then decide what to do with the money. - magnuscash com - a good way to practice some of these concepts in real life without spending any? money.
Good to see people ... By: Fightdebt. on 06 Nov 10, 05:32:06 Good to see people talking about how the credit card companies? are killing us with their charges.
Don't waste your ... By: abridgewater101. on 30 Jul 10, 05:43:41 Don't waste your time watching videos that are not valuable watch this video to learn :) ? Also watch my videos :D
Hurray hurray :0 ... By: abridgewater101. on 27 Jul 10, 04:55:48 Hurray hurray :0 amazing video :)? thanks coz I learn something :) please take a glance on my videos thanks :)
this only applies ... By: donniebrasco24. on 30 Apr 10, 06:29:51 this only applies if you only pay the? minimum payment...
you want to learn ... By: nicola037. on 27 Apr 10, 20:47:05 you want to learn of the best options to pay your Credit cards with out? damaging your Credit call 305 600 90 45 a great group reaching out to community.
Debt settlement ... By: tormozat. on 21 Feb 10, 03:01:58 Debt settlement transfers your debt to IRS
do a resarch on debt settlement? .
hey I really ... By: TheSkankRepublic. on 13 Feb 10, 05:06:51 hey I really appreciated this vid, I'm in the process of becoming debt free. Good advice? BTW whats your cut and how does that work?
solution : ... By: MrRachatdecredit. on 10 Dec 09, 18:51:36 solution : regroupement pret?
Chapter? 13? By: Mardasee. on 11 Nov 09, 03:49:44 Chapter? 13?
Yawn. If you don't? ... By: CybershulDotCom. on 08 Nov 09, 03:05:01 Yawn. If you don't? like the terms pay cash. If you need a card (For internet use etc) get a Visa debit card...
Ty so much Susan ... By: SilverMan6789. on 22 Oct 09, 20:58:53 Ty so much Susan for this info!!! I called them ealrier today and they did sound very honost and ligit! They gave? me a couple refferences who shared their success story with me and both of them got most of the debt eliminated in the first 3 months! Thanks
@inkey2
That's not ... By: 54CFC. on 19 Jan 12, 22:26:11 @inkey2
That's not being a "commie" that's called? common sense!
@Aelfgeft there ... By: inkey2. on 06 Jan 12, 20:28:54 @Aelfgeft there will definately be social security money in 20 years....people have been saying that every 20? years for 60 years....plus...they will never touch social security. The over 50 crowd is a huge voting block. Oh, you did not answer my question. Do you believe our socialst public schools, public libraries, state colleges, social security should be abolished? As far as what is crippling the usa financially is WAR. It cost billions per DAY to fund the iraq war
@inkey2 Social ... By: Aelfgeft. on 06 Jan 12, 16:34:33 @inkey2 Social Security checks when I turn 66? LOL. I'm 29. There will be no SS checks in 20 years, much less 37 years. SS, Medicare and Medicaid are? our largest unfunded liabilities, and those entitlement programs are the true keystone to our crippling national debt. People are going to have a rude awakening in the next couple of decades. Yes, they are socialist, and they will end up devastating our economy and status as a world financial power.
@Aelfgeft I am a ... By: inkey2. on 05 Jan 12, 21:06:08 @Aelfgeft I am a conservative and I assume from your reply that you will refuse your social security? checks when you turn 66 because it's socialism. We have many things that some might considered socialist but are necessary. So I assume that you are against social security for the elderly, public libraries, public schools, public swimming pools, state colleges etc......if you are consistant in your belief then you would I'm sure abolish those because they are "socialist"....am I correct?
@inkey2 If you're ... By: Aelfgeft. on 05 Jan 12, 19:11:36 @inkey2 If you're advocating government-provided health insurance, you're not a conservative, so stop trying? to hide what you are. Conservatives do not support socialism, period.
Fuck that Prof. ... By: Mrparrot73. on 31 Dec 11, 08:05:15 Fuck that Prof. Elizabitch. When I was a Phd student and made $1500 a month for 4 years, I didnt rack up debt. Yep, I finished my phd with $20,000 saved up! 3 years later, I work as non-tenure track faculty and still make
Wow more than 2 ... By: Jonzen77. on 26 Dec 11, 19:49:13 Wow more than 2 million for chems that is highly toxic. Hmm i woulda taken the other treatments but i guess this was the only treatment that the insurance covered.
Anyway taking up creditcard debt? to finance your way of living is like pissing in the pants at -10 degrees to stay warm. Wich i havent heard anyone do in a long time. I mean when your short on money why not restructure your life 2-3 months before the creditors comes knocking ? Then atleast you can start over from 0.
To improve your ... By: melthompsoniii. on 21 Dec 11, 02:21:19 To improve your credit score, if you are having difficulty paying your credit card debts, first check it. You will be able to identify the negative listings, as well as any? inaccurate information that is negatively impacting your credit report. You should subscribe to a monthly service ($10-15 month) to track it regularly..
debt? is not good By: emmanuel43. on 26 Nov 11, 09:11:12 debt? is not good
man I'm glad I live ... By: MaddDogg81. on 09 Nov 11, 04:49:04 man I'm glad I live in Canda? with free healthcare
I heard that the ... By: oldhappyguy. on 03 Nov 11, 06:39:06 I heard that the Oakland Occupiers are calling? for a Burn Your Credit Card Day on November 25. Everyone with credit card interest rates over 8% burns their card in front of a bank at noon. They think this will stick it to the banks for causing so much misery with high credit card rates.
Im a self employed ... By: CROSSROADS63. on 28 Oct 11, 00:23:17 Im a self employed contractor and i got a homedepot card and fell behind waiting on the next job to come threw ok my fault, and i think the bank should make a profit but damn at 29 percent it would take 30 years to pay off . ive already payed 13,000 for 7,500 and? still at 7,500 corporate greed .
yea keep blaming ... By: JohnF30Music. on 12 Oct 11, 18:24:42 yea keep blaming banks when it's your? own fault you're living beyond your fucking means.
American "I'll use ... By: Lousypenguin. on 16 Aug 11, 12:26:21 American "I'll use my credit? card" Lol!
simple, if you ... By: SunriseHealthFoods. on 11 Aug 11, 04:34:44 simple, if you have enough money, put in into a? debit card.
Really good ... By: mycesi. on 05 Aug 11, 19:40:58 Really good information. A lot of people in debt aren't out there buying TV's and clothes. There's no easy answer, but there's help out there, including our? company.
I'm a dual Canadian ... By: ShortySOM. on 16 Jul 11, 19:15:44 I'm a dual Canadian/U.S. citizen living in the U.S. If I ever? get cancer, I'm moving back to Canada
WE ARE WORKING SO ... By: stacys05. on 02 Jul 11, 14:41:04 WE ARE WORKING SO HARD TO BUILD UP SCHOOLS AND HOSPITALS IN IRAQ AND AFHGANISTAN ALSO GIVING THEM 42 MILLION A YEAR CASH. OUR OWN HOMELAND?.LOL.............SORRY ITS NOT VERY AMERICAN TO QUESTION OUR OWN? SYSTEM, BUT ITS FUN TO MAKE A FUN OF OTHERS.....TALK ABOUT THE BEST NATION ON EARTH.LOL
If I ever got ... By: RedFlower26. on 24 Jun 11, 03:12:09 If I ever got cancer, and my dad was already dead, I think I'd just choose to let ? Nature take its course. I don't want mountains of bills and despair from not having enough money to pay.
please, take a seat ... By: weprintit88. on 21 Jun 11, 15:05:02 please, take a seat...?
@crysta2k2 at the ... By: odinmp5. on 04 Jun 11, 17:32:12 @crysta2k2 at the time i read your comment , i have heard of another u.s friend, who paid taxes for 37 years , is a very good person and worked his ass off , since he was 14. he is in a wheelchair, lost home and savings since the insurance company only covered a fraction of his treatment? costs. he is living with friends and thanks to that he is having trouble collecting any kind of benefit. he got screwed in the ass, no lube . peace to you.
Every year, I thank ... By: crysta2k2. on 04 Jun 11, 04:02:42 Every year, I thank the Lord that I made it through one more year without getting sick or injured. As an American...I work, I pay taxes, I have insurance; I'm doing all of the things that I'm "supposed" to do to be a "productive and contributing member of society", yet my yearly prayer is that I stay healthy. Isn't that sad? Praying not to get sick. Wow. I'm? certain I'm not the only one either.
@odinmp5 Yep. ... By: crysta2k2. on 04 Jun 11, 03:40:39 @odinmp5 Yep. Isn't it pathetic? We pay all of this money to our insurance companies....and they turn? around and screw us in the butthole (not even considerate enough to use lube....lol). And what can we do about it? Absolutely nothing. This is one scary country now.
Capital One needs ... By: GaGirlie777. on 28 May 11, 17:43:59 Capital One needs to be investigated for internal identity theft. Got card...didn't have it but for a week.? Fraud alert put on it for no reason. Called them.They wanted driver's license copy, utili. bill, and the kicker, paystub/1099/income tax form all this to prove it was me. I told them to shove it when they would not accept just a utility bill and driver's license copy.
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Credit Cards Debt Consolidation Australia - Plan your debt repayment with debt cutter and live debt free life from credit cards debt consolidation, Debt Repayment and many more, we provide you complete debt repayment solutions. Visit Us at www.debtcutter.com.a u
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AskMen presents Steve Pym, financial expert. In this video Steve gives us three options for loans beyond credit cards. These include; Home equity loans, Personal loans, Line of credit.
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Want to avoid debt ... By: EliteSlayer542. on 16 Dec 11, 01:28:07 Want to avoid debt of any kind? Simple. DON'T SPEND MONEY THAT? YOU DON'T HAVE.
*enlightened..? By: rzamz. on 14 Dec 11, 02:14:33 *enlightened..?
buy? only what you ... By: BedroomSports. on 13 Dec 11, 17:18:54 buy? only what you need.
-william
It's? okay to have ... By: VibratorWarehouse. on 13 Dec 11, 16:53:56 It's? okay to have debts.. as long they can afford to pay for them..
-nicole
How to avoid credit ... By: Jah2070. on 12 Dec 11, 21:44:12 How to avoid credit card debt:? Don't get one
this guy looks like ... By: xblizkx. on 12 Dec 11, 21:42:29 this guy looks like a? badass
Learn the not-so-scary truth about debt collectors. Believe it or not, if they cannot scare you, they'll move onto others they can scare. credit-card-debt-rel ief-4u.com
I couldn't pay my credit card debt, but I found a way out. If you cannot pay, I can show you what to do with debt collectors. Get started with my 11 Reasons Why You Can Survive the Non-Payment of Credit Card Debt credit-card-debt-rel ief-4u.com
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Video showing people exactly what is involved when looking for credit card debt help and how to choose the best debt relief programs out there. It is a fun video letting people know what to expect when they search the internet for credit card debt relief. For more information about this visit www.youtcreditcardde bthelp.com
The problem is when ... By: creditcarddebthelp1. on 23 Oct 11, 13:11:29 The problem is when you get a company or person that groups everyone into one option without first looking at that person's individual situation. What a company SHOULD do is speak to the person take the time to explain to them all of their options including bankruptcy, and help? that person make their own decision as to which option would be best for them. IF you want to find more information about this you can visit the website in the video description.
Unfortunately, in ... By: consumerdebtradio. on 22 Oct 11, 11:47:14 Unfortunately, in recent years many debt consultation companies, loan modification companies and real estate and mortgage brokers have attempted to mislead the public into thinking that bankruptcy is a dirty word and can end your credit life. The truth is bankruptcy is actually the best course of action? when you are struggling with debt.
lol is? that dave ... By: Sorvea. on 18 Aug 11, 03:53:45 lol is? that dave ramsey?
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In this Manilla Mini, Financial Editor Farnoosh Torabi takes 2 minutes to clear up a complex topic. Clearing your credit card debt can be simple and done in 3 steps, so you can get started today.
Video duration: 123 seconds
Global video hits: 1619
With more students borrowing money for college, student loan debt in the US is now greater than credit card debt. But, as Dean Reynolds reports, it's still a smart investment.
@windex1234
yes ... By: OneNameJustin. on 05 Oct 11, 22:58:20 @windex1234
yes thats all true but they? all came from parents of wealth and success who graduated from college.
LOL I LOVE how at ... By: OfficialDotEXE. on 15 Sep 11, 06:01:10 LOL I LOVE how at the end they make it seem like "If you go to college YOU CAN BE THE PRESIDENT!" HAHAHAH...More like work at? McDonalds. Stop glorifying college. If you're LUCKY you'll land a good job with a 4-year degree.
It's easy to look ... By: mycesi. on 16 Aug 11, 17:08:28 It's easy to look at the exception like Steve Jobs, etc and make it seem like college isn't worth it. But consider the millions who don't go to college and end up making much less. Student loan debt does suck, but with? the correct planning the debt is very manageable.
Obama became a ... By: jebenn23. on 15 Aug 11, 20:04:29 Obama became a lawyer, kids? that get sociology and philosphy degrees shouldn't borrow $120,000.
The numbers do lie ... By: RocketeerAndRoll. on 03 Aug 11, 11:42:46 The numbers do lie because it costs 900% more to go to college now? than just 30 years ago.
There is a huge ... By: teddybruscie. on 27 Jun 11, 06:11:21 There is a huge difference between what you earn and what you keep. Just because you earn more doesnt necessarily mean you keep more. Cause if thats the case? many people should be living well. But thats obviously not the case.
These statistics ... By: td84. on 16 Jun 11, 23:37:47 These statistics are very inaccurate. Some of the top earners, such as Bill gates, are used to calculate the average income potential of college graduates.
This is nothing more than an attempt from the college industry to say, 'Hey, take out a large loan and it will eventually pay itself back over time.'
I'm here to tell you folks, I don't have a college degree and I'm making $50,000+ a year and have no debt. While everyone I know with a bachelors $50,000+ in? debt and making $10 an hour.
Keep? pumping the ... By: Danaceb. on 04 May 11, 05:46:43 Keep? pumping the hype that creating a new serf class for the overlords, you souless media cocksuckers.
@chessloser28 Yes, ... By: sc0pl355. on 30 Apr 11, 16:08:27 @chessloser28 Yes, but how? do we convert back to things like on the job training and apprenticeships? I think that doing things that way is probably the best thing to do for the nation.
@sc0pl355 Agree, ... By: chessloser28. on 30 Apr 11, 04:39:01 @sc0pl355 Agree, when I got hire on, I used a few things I learned in school. Most of my learning was on job training. A lot of big companies want people with experience and that degree? does not mean nothing standing alone. Internships and co-ops is where you get that experience. It's hard to get a job after college without those due to competition. Engineer at a major steel company plus an interviewer.
the president did ... By: mesa1893. on 22 Apr 11, 16:55:47 the president did well cause he got book deal, that paid his and his wife's $120,000 debt, what about the rest of us who cant do that. this is? an unfair propagandist report.
MOTHERS AND SONS ... By: yankeecandy1988. on 19 Apr 11, 22:34:39 MOTHERS AND SONS SHOULD? FUCK EACH OTHER!
And they mention ... By: erikglimpse. on 15 Apr 11, 10:45:38 And they mention Obama and Michelle at the end! What??
@windex1234 Yeah ... By: thepolice911copeland. on 14 Apr 11, 12:09:56 @windex1234 Yeah obamacare, climbing deficits, staying in Iraq when he promised not to, and the? gulf oil rig disaster have nothing to do with me
this is why? you ... By: obunkystaind. on 14 Apr 11, 04:04:16 this is why? you ALWAYS need a "plan B"
utilize all your talents!
gj reporting this a ... By: VeNeM999. on 13 Apr 11, 19:17:49 gj reporting this a year after anyone? else
@iMhike Yeah, ... By: sc0pl355. on 13 Apr 11, 13:18:52 @iMhike Yeah, you're right on this one. I watched a documentary on those schools. Those? places are nothing but factories to milk government-backed student loans from us. Seriously, their tuitions were like $65k ten years ago. I'm afraid to see what they are today!
@KhmerD0g Yeah, I'm ... By: sc0pl355. on 13 Apr 11, 13:13:54 @KhmerD0g Yeah, I'm with you man. America has been sold a bill of goods!
The issue is that your friend suffered from the credential inflation that I? was talking about. The problem is that everybody is getting these degrees to try and find work. Employers will always choose a person with a degree over one without one. So, bachelor's degrees are the new high school diploma in reality. That's insanity!
@sc0pl355
what ... By: KhmerD0g. on 13 Apr 11, 12:28:47 @sc0pl355
what good is with a 4-year degree if there is no good job to be had? all u can find is minimum wage job which you don't even need a degree or high school diploma. a? friend of mine got a job working as secretary in a doctor office with a bachelor degree. gets pay 12 dollars an hour.
notice the reporter in the video cites 2008 stats. this is the year 2011 already.
Don't fall for this ... By: sc0pl355. on 13 Apr 11, 11:31:07 Don't fall for this crap! We are going through an era of extremely significant credential inflation! The reason why people with bachelor's degrees make more is because a bachelor's? degree is the new basic level of education required to get a job that's not in the service industry!
The problem is that most of these jobs DO NOT require any of the skills that you learn in college! The more people that go to university to get basic fucking work, them less valuable a degree becomes!
I am a UCI Graduate ... By: lineage13. on 13 Apr 11, 11:07:48 I am a UCI Graduate and so are all of my friends? but we all make minimum wage.?
I am a UCI Graduate ... By: lineage13. on 13 Apr 11, 11:07:22 I am a UCI Graduate and so are all of my? friends? but we all make minimum wage.
I? am a UCI ... By: lineage13. on 13 Apr 11, 11:06:57 I? am a UCI Graduate and so are all of my friends? but we all make minimum wage.
Facebook: www.facebook.com Website: www.bernielewis.com. au Adelaide Baby Bargains: www.facebook.com Isabella from Adelaide Baby Bargains asked Bernie Lewis a question about how to manage debt with/without a credit card over Christmas. Mark Lewis, Chief Executive of Bernie Lewis gives he's advice on how to avoid debt and the stress of budgeting over xmas.
does it actually ... By: wesleytarbuck. on 08 Sep 11, 22:31:17 does it actually affect your credit though? i mean is there a default listed or does it just lower your? score?
You know your stuff ... By: mycesi. on 16 Aug 11, 17:12:22 You know your stuff, but it is very risky for people to start affecting their credit scores and trying to handle this themselves. It's better to get credit counseling to figure out the best? option for their situation.
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Recommendation, ... By: roxcyn. on 03 Aug 11, 01:49:42 Recommendation, volume level is TERRIBLE in the video. I have it all the way up (100%) and it still sounds? like you're whispering.
so, what exacty is ... By: forenough. on 08 Jul 11, 21:26:35 so, what exacty is debt??
I paid 800 a month ... By: TYX91101. on 31 Mar 11, 10:40:06 I paid 800 a month for 42 months to a settlement bureau to settle $45000 in card debt. That's still a lot of money but only a fraction of what I would have paid had interest charges not been cut off during that period. I'd have been paying for the rest of my life and still had a balance. Now, two years after all debts were settled at reduced levels, I'm getting plenty of offers for new cards and my credit score is 670, not perfect but still good? enough to get a car loan.
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I say screw them ... By: wahahn. on 20 Jun 10, 03:11:51 I say screw them all. They took billions of dollars out of our pockets already in the ILLEGAL, UNCONSTITUTIONAL GOVERNMENT BAIL OUT - It you're in debt that you can't pay....FILE FOR BANKRUPTCY. It's not as? bad as you think it is. Talk to a lawyer. If you can't afford the lawyer, call your county's Bar Association, they will be able to point you in the right direction to get legal help.
Due to the ... By: nancyllang. on 07 Jun 10, 07:38:50 Due to the recession, credit card companies are now offering bail-out programs. To see if you qualify, visit us? @ debt-freesolutions.blogspot.com
This is a good ... By: debtsettlementstory. on 06 May 10, 12:48:40 This is a good start to the debt settlement conversation.
There are a lot of unscrupulous companies out there.
I used a company called Consumer Recovery Network that charged me $1150 to settle $130,000 of unsecured debt. It took 6 months and my final settlement amount was $40,000 or 28 cents on the dollar. Their fee of $1150 was minuscule compared to other companies whose fees were on average $10,000..or? more!
I am blogging about it at debtsettlementstory (dot) com
You be better off ... By: ysmaelle072278. on 26 Apr 10, 02:25:44 You be better off filling for bankruptcy. They might settle with all your debts but your credit card companies dont have obligation to talk to these people. Also if they will settle your account.. IRS will charge you with those accounts they settled as your INCOME..When you enrolled to this.. it will destroy your credit also because you are not making payments. Lastly, bankruptcy will only cost you? at least $2,000 dollars for lawyers fee this program.. they will charge you.. at least 5g
ok im new on this ... By: ceelos1020. on 02 Feb 10, 00:28:28 ok im new on this topic. so if you agree on a settlement and pay it. does that eliminate the debt you? owe your creditor?
Heidi, you're again ... By: CreditCardExpert. on 27 Sep 09, 12:33:49 Heidi, you're again presenting misinformation. The debt DOES go away. You no longer owe that debt.
Yes, the portion of the debt that has been forgiven may become income, which is taxable. But paying taxes on a fraction of the? debt that has turned into income is not the same thing as owing a debt collector. Sheesh.
It is true. The ... By: HurricaneHeidi. on 22 Sep 09, 04:00:41 It is true. The agreement to accept service of process in case of inability to make payments on the settled account is almost always? included in the fine print. Debtors' blogs are full of people who only found that out after they thought they had settled their debt. If you miss a payment, you are immediately being sued.
After settling, the credit card company issues you a 1099MISC reporting the difference between what you admit you originally owed and the settlement amount - as INCOME.
That's just not ... By: CreditCardExpert. on 20 Sep 09, 15:12:39 That's just not true. Settling a debt makes it go away. If the creditor agrees to settle, the debt is gone. If you agree to let the creditor sue to collect a debt, then you haven't signed a debt settlement,? you've signed something else, something very very stupid.
Don't settle. If ... By: HurricaneHeidi. on 11 Aug 09, 19:11:49 Don't settle. If you do, you will reset your state's Statute of Limitations to the beginning again, giving them more time to sue you.
Many settlement agreements include fine print granting the collectors the right to sue you without having to serve you because you already admitted responsibility for the debt by settling.? Just defeat them. Learn to defend yourself. I did, and I won.
watch?v=kkcnQdWzC3s
well debt ... By: vinnythejinny. on 11 Aug 09, 11:56:35 well debt consolidation is stupid to do. Owning other loan on your head means you are in debt no matter what. Stay away from consolidation. For settlment, i have contacted? creditanswers (866-944-3201)
no need to pay ... By: gtiapr3. on 16 Jul 09, 06:02:26 no need to pay someone to take of your problems. Call the credit card companies and offer to make a? lump sum payment of 25% the total amount owed.
erase? your debt ... By: bico375. on 28 Jun 09, 00:55:53 erase? your debt asap. com
![Can\](http://i.ytimg.com/vi/ec2yJU5bKTU/2.jpg "Can\")
Latest comments made on this video:
By: 6000deepsead. on 09 Feb 12, 10:23:45
The road to bankruptcy is paved with plastic.Althou some bankruptcies were due to high medical expenses and downsizing,a great many had to do with credit-card debt.Card issuers encourage their consumers to go into debt with incentives like frequent-flier miles,cash back and low introductry interest rates."We're finding a lot of people are living off their credit cards,and they're even making their credit-card payments with? a credit card,"says executive director of CCCS.
By: mackat4ck. on 08 Feb 12, 01:20:26
I'll never have a credit card!?
By: ispyonu20. on 06 Feb 12, 07:18:35
I have a big debt with this CC... its kinda screwing me up! I need to pay it off ASAP... so I hope like in a year I can be free of? debt... xDD
By: mostpopular2010. on 05 Feb 12, 05:49:07
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By: gondalsb. on 27 Jan 12, 22:15:49
The owner of Citibank once said "the best way to manage a credit? card is not having it" I agree
By: bewustwording. on 26 Jan 12, 15:41:57
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By: anshulkamboj. on 26 Jan 12, 05:27:00
thats right i pay off my credit? card, make pyaments up to 1000 up to month
By: natenorrish. on 24 Jan 12, 17:52:02
Credit was never thought up in order to screw people over... it's the people who are screwing themselves over by not earning enough for the debt they have! If you use credit properly, it's extremely useful.. and the idea is nothing is for free..? the banks have to make some money somewhere along the line... hence the interest! If you can't afford the interest, don't use credit... be patient and save instead.
By: orionstarman. on 21 Jan 12, 21:28:37
Several years ago I had about $15,000 in CC debt. One day I got in the mail an offer for a new CC with the enticement of 0% interest to rollover any unpaid balance on other CCs. I jumped at it. After a year the interest rate reset up to 9% but low and behold I got another 0% offer from another? CC company and jumped on that one. Same deal after 1 year it was about to reset to 9% and you guessed it I got another 0% offer. It took about 3 years but I paid it all off with almost no interest.
By: marcowebreg. on 20 Jan 12, 22:55:05
@mycesi Credit card debt has been deceptively sold as a clever tool for debt enslavement. The CC companies favorite customers are those that can't afford to make regular monthly payments and will get wrapped up on fees forever... legal fees, late fees, missed payment fees, ridiculous interest rates that COMPOUND monthly. Albert Einstein allegedly once declared compound interest? to be THE most powerful force in the universe... think that one over. Stop paying all of it. They are crooks
By: agun17. on 19 Jan 12, 19:05:49
@TheMEK3 You are? pathetic.
By: TheMEK3. on 19 Jan 12, 18:00:27
@agun17 This is obviously? way above your comprehension. You do you and I'll do me. Fair enough Sitting Bull?
By: agun17. on 19 Jan 12, 14:56:46
@TheMEK3 *facepalm* Not all exponential functions are in base e. Ever heard of exponential growth?? No, of course you haven't or you wouldn't have said such ludicrous statement.
By: TheMEK3. on 18 Jan 12, 21:11:22
@agun17 Okay. But are you aware that if this was an exponential function then we would be working with "e"? There is no "e". Again, this is simple algebra. When you have a credit card and you do charge $10,000 you are suppose to pay if off before the next billing cycle in order to avoid any interest charges. In the example, we only paid the minimum balance of $142 which? means that we didn't pay it off in the full month. Maybe you should understand the difference between the two.
By: agun17. on 18 Jan 12, 00:04:37
@TheMEK3 This is an exponential function. The first month you will lower your debt by a lower amount than the 12th month thus you can't simply assume the amount by which you've lowered your debt in the first month will be the same for the 12th month. The average monthly amount by which you lower your debt in? the first year is $24.5 using the example in this video. Please understand the difference between an exponential equation and a linear one before attempting to correct me.
By: TheMEK3. on 17 Jan 12, 22:00:41
@agun17 Your math is way off! This is simple algebra. 10,000 - 142 = 9,858 9,858 *? 17% * 1 / 12 = 140 9,858 + 140 = 9,998 Whatever you did is calculus.
By: Will224000. on 15 Jan 12, 01:26:07
...and they "Loaned" you "Money" that never existed before you borrowed it... ...Banking is the Best Racket !... ...the flip side is that ALL "Money" is brought into circulation? as a Debt and if no one borrowed any money there would be less and less in circulation... that leads to Inflation...
By: jmweb7. on 13 Jan 12, 16:21:00
This is an example of? how credit companies will mislead you as in this video they make you believe you are being charged 17% monthly and yet you are only being charged 17% yearly. #fail
By: moneyandsociety. on 13 Jan 12, 01:24:08
this is a? brilliant video
By: fatcatbuzz. on 11 Jan 12, 13:14:39
@agun17 I figured the calculations to be a little off in the video. However, the point is still there. I would be many? years to pay off a credit card if you only pay the minimum payments.
By: AngeloBGC. on 11 Jan 12, 10:56:57
The people? that "Thumbed up" this video sure no about maths ...
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By: agun17. on 06 Jan 12, 03:12:09
((10000-(142x12))x(17%))+(10000-(142x12))=Debt after 1 year=9706, not 9995. ((9706-(142x12))x(17%))+(9706-(142x12))=Debt after 2 years=9362, not 9990. ((9362-(142x12))x(17%))+(9362-(142x12))=Debt after 3 years=8960 It's an exponential funtion. The video used a linear function, thus? it's calculations are invalid.
By: EliyasTensai. on 04 Jan 12, 06:45:03
@TWSceptic hey excuse? me, I am deaf and I can't hear what they said so. To use on CC for those who deaf or hard of hearing people use them to read what a person's speak about this
By: bibolcs. on 29 Dec 11, 21:18:44
that why they get rich? and us we get squash (we are the other 99%)