Mental depression

Its easy to say for yourself that you have lost life and have accepted defeat. But it takes serious courage when you stand up and face the music and then conquer it!

Ok lets come back to the topic. Lot of financial breakdowns leads to a person thinking negative about every aspect of life and thus turns his to-be merrier life also worst. So some critical and patience is required to channelize life to success.

First thing never panic when you have huge debt. Take on piece at a time. Remember your panic would never solve the problem. If you have been hiding things related to you personal finance please reveal, discuss the same with you immediate family. Since they are also impacted in one or the other way keep your communication with transparent and continues. Critical decisions should be taken with consensus of the same set of people with whom you are discussing (with your family). Moral/mental support is of utmost important when you fall badly in finance. A well informed family would not allow you to go wrong. Always make informed decisions and avoid mental depression. Be cheerful and mingle/socialize yourself as much as possible. Do not try to stay differently or start living life of a different kind just because you are in a bad shape with respect to finances. For any support, advice or even if you want to say hi email me at either k31985@live.com or memyself50000@gmail.com

Have a good day.

Loan from friends?

While I was surfing I came across this interesting topic. When you are in too much of debt and struggling to get any sought of financial help from banks. Naturally your first choice that comes to mind after banks is 'friends'

Friends do lend depending upon the view that they have about you and the length of your relationship with the person.

If you know the person too well since childhood then he might most likely offer you help without any specific day to return the money. Basically he is only interested in the problem you are facing. So never lose these friends in life. Make sure you do part payments atleast to them.Failing to do will leave you lonely and the childhood friend's mind would take a different view on the kind of person you are making him stay away from you going forward.

Friends who came in your life pretty recently and have taken substantial help from you in terms of knowledge and job search then they would also lend you but with a condition that you should return the money within a specified time frame. In failing to do so you would lose a friend and trust.

Hence money between friends is a very tricky thing. You should be very careful in you commitments and make sure you adhere to it importantly.

Unable to clear credit card bills?

Dear friend,

If you are unable to clear your credit card bills. First thing do not panic and rush to obtain additional money by requesting friends and dear ones. As this would add additional debt on yourself and you would not be able to sustain this model of borrowing and paying the bills for long.

Instead keep calm and speak to the bank first saying you are unable to clear dues due to the problem you are facing. Now you have two options :

Go for a settlement: Which would make you unfavorable for all unsecured loans and credit cards in near future until you improve your credit score by showing some diligent repayment pattern over time. If you are very in young say below thirty's then try to avoid this situation.

Face the music and bargain at write-off time: Let the account move into the NPA (non performing assest) status (which requires three non-payments) and then wait foe six more months so the bank eventually decides this is an unrecoverable asset. Now when the bank decides to write off approach the bank and negotiate for a higher discounted settlement and obtain NOC. Again this method as well would make you unfavorable to all unsecured borrowings from banks. During this entire journey you would need to have courage and mental stability to face the debt recovery agents and calls that bombard you. No I am not scaring off but just letting you know the truth.

Better than all is do not own a credit card. If owning do not spend more than what you can repay considering your basic livelihood needs.

Do let me know if you have any questions so that I can answer them or find the best answer for you.

My email address: freelogosforu@gmail.com

Thanks!

Regards,
Kishore

Best Launchers for Android

There are tons of launchers for android out there. Often people who are not geeks tend to settle in on the default launcher provided by the manufacturer. Here is any attempt to provide more insight to the more deserving launchers that provide better experience.

1. Go Launcher.
This launcher is mostly resource hungry but gives awesome effects pleasing your retina. The launcher is free to use and you would need to pay for some of the premium content like the paid themes etc.

2. ADW launcher
I like this launcher the best. As it is less resource hungry and is super smooth in operation with much of lagging. Provides basic stuff for free and need to pay for some fancy additional stuff if you are a person who likes more fancy stuff.

3. Holo Launcher.
The lowest RAM footprint and buttery smooth with best balance between the speed, convenience, usability and operations. I rate this launcher in the "better than the best" category.

Some Essential Tools for your debt free goal

You would be requiring all or most of these beloe tools when you are desperately looking to come out of debt.

• First up is a simple emi-calculator by http://www.emi-calculator.com/

This site offers a comprehensive EMI calculator which helps in various scenarios for you to understand how much you would be paying as EMI every month.

• Single place to find many various options for comparing and applying for a personal loan aka (in your journey) Debt consolidation loan. 
• Bankbazaar
• Apnapaisa.com
• Dealforloans
• Loan on Provident Fund. You can avail loan on Provident fund account if you have five years of active PF account without withdrawal despite moving from one organization to another.

Make money your camera

Sounds interesting rite?!

This subject somewhat derives meaning out of the camera profession. Try to see every aspect of eliminating depression when in debt through a camera called "money". Because only the material called Money can relieve you from debt. Hence the word "Make money your camera"

Working from home and earning some extra income online is a good option as it would provide some additional bandwidth for you as well.

Below is one site I am safely recommend minus investment into the site of any sort.

Neobux

You would have seen this name a lot of times by now and a lot of strategies as well. But below is the e-Book that I have written which should give you a short and precise way to get some good income going with Neobux.

Its requires a little perseverance and little patience but its worth it when you realize it!

Please provide your email ID hit the download link below.

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Eliminating the BIGGEST source of debt - CREDIT CARD

Take my words for it. You would feel much relieved when you actually break all your credit cards. On an average you would save lakhs together if you spend only when you have cash in hand and not use credit card.

Credit cards are like tobacco. It infects the life with debt cancer. :)

SO Take the action. Break the credit card at this very moment and have a peaceful life.