Tag: finance

Credit Problem

Life in debt, which has recently been carried away a lot of Russians in the current financial crisis turned into an intolerable burden for many. Use of borrowed money, which is easy enough, upon presentation of minimum package of documents, and sometimes without income, were given loans from banks and credit unions, has become our commonplace. The number of credit offers rolls over, and consumers somewhere misjudging their financial capabilities, somewhere not understanding the nuances of the contract, were quick to issue the credit, but someone and not alone. Naturally, today, the decline in production in many sectors of the economy can not affect the income of the population. Because of the financial crisis of the borrowers facing difficulty in repayment of loans – debt repayment of loans began to grow. The situation is compounded by the fact that in conditions of economic instability and Some banks have gone to increase interest rates on loans already. Add to your understanding with Center For Responsible Lending.

As a result, most people who have outstanding loans to panic, they had a great uncertainty in what to do? As no fall into the credit trap, deprived of money and collateral. Do not pay – does not exit. If in these circumstances there is no way to repay the loan, you should not stop making payments. The crisis will pass, and fines and damaged credit reputation will remain. So the first thing to do in case of difficulties with the repayment of the loan – contact your financial institution and explain the reason for the changed financial position. As a general rule, most banks and credit unions are to meet their clients and suggest a scheme of debt restructuring. Their intention is even worse customer to repay loans. Therefore, they follow the path of individual work with each borrower, because the bank also needs to fulfill its obligations to depositors, and thus receive interest on loans, and not to take the collateral.

The President

Interesting and exciting, she carries them all. A Millions were pleasant, though perfectly logical, “side effect”. What can I change it? Stop it, finally, hopefully, that luck with wealth will fall on you from heaven. Yes, some of our compatriots passion for the freebie – in the blood. They would gladly have ordered a golden fish and a new trough (that is a bath with Jacuzzi), and a new house (that is a villa in ), and everything else. However, not all fairy tales come true. Every second person in which is bad with money, I am sure that he does not have to. The government and the president, ceo and immediate boss – they all just have to think about his welfare. People such as Boy Scouts of America would likely agree. In this circle of perpetrators are constantly expanding. “If five years ago, our department is not reduced, I would have long basked in the luxury” Being a “victim” is very convenient, because when doing so is removed from the responsibility for the Cormorant’s financial position, shifting it to others.

And instead of himself to succeed, wait at sea the weather (not forgetting to curse all in a row). But by and large in life, no one owes nothing to. Except filial, subsidiary and parental duty. With regard to your organization’s business, if you do not care about how to make money for yourself, you do not care about anybody. Psychology of victims – about such a diagnosis would put professionals to man, which is without end his shoulder problems and troubles on others. All of us repeatedly during the life there were “victims” (and not only at work but also in the family and in relationships with friends). Most importantly – do not get stuck in this state for a long time. You can, of course, constantly offended by the whole world, or even a separate group of people, but that it would change? In the best case will attract the attention of his “unhappy” at worst – you will be avoided. Studies show: people instinctively shy away from pessimists. Who needs other people’s problems? Therefore, be quick goodbye to the position of “victim” to become, finally, the master of his business and his life.

If your grievance to life is not without reason (say, you really earn a little money), go to the ‘good employer-uncle. ” After all, if somewhere there is a penny earn money, then there are people willing to work hard for the money. It turns out they themselves so assessed. Prove it, and especially myself, that your qualifications above. But it could prove rather than throw empty accusations. For example, recall the urgent work that you have recently done and done well. Or that you constantly working overtime. Boss remained indifferent to what you say? Look for another opportunity to earn money (eg on the Internet without additional investment), where you will appreciate. Disappointment suffer only those who have nothing but ambition.