Comments for Crystal Mind

Comment on why my capital one credit card have no payment due date? by US Attorney General to investigate monitoring of Muslim student associations

US Attorney General to investigate monitoring of Muslim student associations — Mon, 12 Mar 2012 05:55:35 +0000

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Comment on Does anybody else think the following is a travesty? by centralnyguy2005

centralnyguy2005 — Tue, 13 Dec 2011 05:00:31 +0000

Hart… I most certainly think it’s wrong.. In my humble opinion, Education has been turned into somewhat of a religion in this country.. I find it very sad that an individual in this society could be fully capable and qualified for a given position, But yet because he does not have societies recognition of these qualification in that of a piece of paper known as a degree, He is without question eliminated from consideration for that position… Someone who holds views such as I might be asked ” Well would you want to be worked on by a doctor that did not go to school ? I would answer.. As long as that doctor has some how demonstrated that he has the knowledge and skills to perform the duties of a doctor.. What’s the difference if he has a degree or not? .. Also to consider, education has a lot to do with money to.. Anyone that has dealt with schools of higher education know they are like the IRS when it comes to money.. They come after you with a vengeance if your in anyway delayed with your tuition.. And another thing to consider.. Parents are paying big money to colleges for their kids to get a degree so some liberal professor can pump their liberal Ideas of the world down their throat in an attempt to destroy their faith in God ..
Anyways I could go on and on.. But back to the point.. I think it’s very unfortunate the establishments work the way they do.. Unfortunately I think liberalism has so entangled it self into both public and private sectors that it is beyond fixable… And that is very sad state of affairs indeed….. God bless you !!

Comment on Does anybody else think the following is a travesty? by Michael A

Michael A — Tue, 13 Dec 2011 04:32:40 +0000

It is not a travesty in my opinion. Your grasp of common sense, which I am certain is better than average, does not preclude you from needing certain training or experience.

Hope this helps. Feel freel to email questions at mike@directyourcareer.com or read my blog at the same address.

Mike

Comment on Help me please?? My parents and sister say they are worried about me? by Carmen

Carmen — Mon, 12 Dec 2011 13:32:09 +0000

I say do what is going to make you happy. Your dysfunctional family (no insult here) will always have some drama stirring. Please don’t let them ruin this for you. You don’t owe them anything. Sounds like sister may have some jealousy issues. Spend all the time you can with the man you love before he is deployed, and have a happy life. Best of luck to you and your fiance.

Comment on Help me please?? My parents and sister say they are worried about me? by Samantha Ham

Samantha Ham — Mon, 12 Dec 2011 12:55:44 +0000

My fiance and I have been together only a year and are engaged. It’s not the length of how long you’ve known them.. hell I knew people that knew a man his entire life, not one of them knew he was a pedophile. So see time doesn’t matter. he is good to you and upfront with you, that’s what matters. And even if you both did struggle to make ends meet, that is life. Your parents don’t seem to have room to talk about how he can take care of you and all.. not judging them but I know what that life was like. you are a grown woman. You wear your ring proudly. If they don’t like it they can leave and never talk to you or they can get over it, grow up and support that you are happy!

Comment on Help me please?? My parents and sister say they are worried about me? by PoohBearPenguin

PoohBearPenguin — Mon, 12 Dec 2011 12:28:03 +0000

Well, you’re an adult now, time for your family to accept that fact.

They can voice their opinion, but in the end the choice is still yours.

Comment on What happens when you stop paying your credit cards? by mz_neemarie

mz_neemarie — Mon, 12 Dec 2011 12:25:02 +0000

I wish I could be paying off a 4500 dollar debt. It’s better than paying off on that’s 15k!

As far as my situation, all I can do is make the minimum payments. I have noticed the balances going down, but it’s true they take their time going down, but I do have other bills, and ain’t nobody supporting me but me, so I do what I can.

But I’ll tell you this..I’ve never ever been late making a payment in the 8 years or so I’ve had credit. That makes things worse when you pay late.

I’ve had to make sacrafices, and I still do, although I have slipped a few times. For the most part I’ve downgraded things: The cable, the home phone (I strictly use my cell as a contact phone), etc. I’m even trying to get a better paying job.

My thing is, unless I can pay my own money for things, I won’t buy it. I refuse to use credit. True something could come up where I have to use credit, but the key is I’m trying to discipline myself. It’s hard, but I’m trying.

Comment on What happens when you stop paying your credit cards? by bettyrubleinspurs

bettyrubleinspurs — Mon, 12 Dec 2011 12:10:32 +0000

First things first. You need to know exactly how much you owe. Make a chart of all of your debt. List the debts by amount – lowest to highest amounts owed – down the left hand side of the page. In parenthesis under the name of the company and the amount owed, list the minimum amount due for each amount. Forget about the interest rates for the time being. Concentrate on the total amount due on each. (Suze Orman would advise against this method, but it worked for me and I had 10s of thousands owing.) Across the top of the page list the months of the year.
Now, take the amount you are able to pay each month and evenly divide it between each amount owed. What ever you have left after dividing put toward the lowest amount owed. Do this each month until the lowest amount is paid off. Then move the amount you were paying on the lowest total and apply it to the new lowest total. Do this until all of your bills are paid.
This method provides a couple of very positive aspects to your situation – you pay off more bills more quickly, and you pay off each bill with an increasing amount of money as others are knocked off the list. This is a very satisfying feeling when you have so much staring you in the face.

While you are in the process of paying off these bills you need to establish a new way of thinking about money. A new positive way. Make a list of absolutely everything you can do for free. You can borrow books from the library for free. You can borrow music and DVDs from the library for free. You can wash your own car for free. You can concentrate on bringing your home up to a superior state of cleanliness, thereby raising its market value, for free. You can plant a garden of vegetables for less than $10. Although it’s not techically free, it is still much less than what it would cost you to buy those same vegetables at the grocery store. Take the dog for a walk every day. It’s free. Visit with your friends. Get to know your family better. Have potluck dinners. Volunteer your time at a charity. Think about every little thing you can do for free. This takes your mind off of money being to only way in which you can spend your time. And it feels good to know that you have the ability to do these types of things without spending any more money.

You also may want to consider taking a part-time job while you are paying off your bills. This will provide some extra needed cash to add to your bills. Do no be tempted to splurge on extras with this money. You only defeat your purpose when you do this.

Another source of extra money is the yard sale. Gather together everything you don’t use/need, clean it up to brand new looking, and sell it.

And finally, if you haven’t already done so – drop the pay TV, cell phone (you really do not need it if you still have a phone at home), all of the techno gadgets, buy only fresh foods (packaged foods are hughly expensive and not good for you anyway), eat at home, take your lunch, buy items on sale only/with coupons, skip the take out drinks/coffee/etc. It is amazing what you can find to eliminate from your life when your life depends upon it.

Comment on What happens when you stop paying your credit cards? by Lyn B

Lyn B — Mon, 12 Dec 2011 11:51:31 +0000

A very dear friend of mine got caught in the credit card trap. Over a period of 4 years paying on the cards, the balances went up and not down….even though they were not being used. And before she took drastic action. She added up up what she had charged and what she had actually paid and found that she had pay MORE THAN she had charged by quite a bit. The balances owed reflected, interest and addition added amounts. My friend called the companies and they all suspended all interest for one year which helped her get a little ahead, but since her debt on the cards was so high she finally decided to let them go and get behind for about 6 months. She then called them and negotiated a settlement and paid them off. You need to accumulate a little nest egg before you call them. Some of her cards had balances of $8.000. and above but they accepted as little as $1200 to do a complete payoff. They would rather have something rather than nothing. You could probably get your payoff down to $2.000 if you only owe $4.000
If you have more than one card, Let them all go into arrears but ONE. Keep one up to date and current and make attempts to get it paid down. You cannot exist without a card for emergencies. Pick the one that has the best interest rates. And always pay it one time or before. This means you will have to screen your calls unless you want to explain to them why you are not paying.

Also, any amount that the credit card companies “forgive” has to be reported as income on the return that year. So you still get punished some. Income…..from charged off interest.

You will have some bad credit during this time, but after it is over,you can go about repairing your credit.

Lots of luck

Comment on What happens when you stop paying your credit cards? by secret society

secret society — Mon, 12 Dec 2011 11:35:31 +0000

Have you tried Debt Consolidation or Proposal.
some call it Proposal and other Debt Consolidation.

This is a ‘safety valve’ used in our consumer based society.
It will bruise your credit (temporary) until you finish the proposed arrangement. this is normally done by a counselor or an accountant.

Good Luck,