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Old 11-07-2011, 07:04 AM   #1
boots2hm24
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When in 1996 a local Secondary School opened, the staff decided to create a tradition to prepare Christmas Hampers for those in need. Each advisory class (of around 18 students G9-12) would adopt a family to help out. The students only know how many members in the family, ages of the children,Women North Face Denali, and whether they have any food allergies. Every year, 65 ?70 hampers are delivered to families. Inside each hamper is a note from the school principal wishing the family a Merry Christmas and a healthy and happy new year. It explains how the hamper was put together by the students and adds (I quote) ?We hope that this hamper will bring you joy at this special time of year as it was put together with much love and care.?
What would you think the experience of delivering a hamper would be? In my minds eye I would imagine this scenario? knocking at the door,UGGs Gloves, and seeing the face of the mother light up,Canada Goose Gloves, excited voices and delighted faces of children gathering at the door to receive the four or five large boxes, all wrapped in Christmas paper being delivered. I would imagine seeing the relief and gratitude on the mothers face,moncler trousers, perhaps moist eyes, as she realizes there will be plenty of food to go round this Christmas. She may feel, perhaps, amazement and a little overwhelmed that total strangers would go out of their way to be so generous. Seeing those things would be all the reward those students needed for their selfless giving, and what a memory to have in the impressionable teenage years.
Unfortunately this imagined scene is not reality in the experience of the school. One of the teachers told me one of three things normally happen. When the hampers are delivered (either by the teacher or a trusted Grade 12 student),UGGs Classic Tall, sometimes there is a thank you, sometimes a terse "put it over there", and sometimes no one answers the door.
Now I understand that it is embarrassing and humbling to receive,Men North Face Denali, and many people find it very difficult, and may not be able to show their appreciation in person. There are other ways to show gratitude and say thank you, a thank you note to the school, a phone call or a letter. Sadly this seldom happens. I was shocked!! The school has probably prepared over 700 hampers since 1996,Canada Goose Chateau, and have seldom received any acknowledgement whatsoever. The teachers reassure the students that the hampers were appreciated, and the school keeps on giving. At this time the students are planning how they can help the victims of the tsunami. The teacher?s comment was ?The students are amazing!?
There is a well-known saying that it is better to give than receive; I would say that it is also easier to give than receive. I don?t know why it is so hard to show real appreciation when we receive something, but it is not just a cultural or generational problem.
In the gospel of Luke we learn that it was difficult over 2000 years ago. Leprosy is a terrible disease that eats away at a person?s flesh,Canada Goose Chateau Parka, and is very contagious. In biblical times there was no cure. To have leprosy meant living outside the town, being ostracized from society, no longer able to live a normal life with your family, maybe never being able to hug your children,Canada Goose Montebello, only being able to speak to them or see them from a distance. If you had leprosy you had to walk about warning people by ringing a bell and shouting ?unclean, unclean? so people would keep away from you. Can you imagine living like that! Jesus met ten of these lepers one day, and told them to show themselves to the priest, as they went they were healed. Not only was the pain and suffering gone, but also their lifestyle was to be transformed. They could be reunited with their family,Kids Moncler Jackets, work, and be part of community again. Luke?s account tells us that one of them,North Face Apex Bionic, when he saw he was healed, came back, praising God in a loud voice. He THREW himself at Jesus? feet and thanked him. Only one out of ten showed gratitude for such a huge life-changing miracle!
We are so blessed by God and by the people around us. Yet in a society, which seeks ?instant? satisfaction, it is easy to take many things for granted and not really demonstrate appreciation. We are raised to say ?thank you?, but so often it comes out of our mouths automatically without really thinking about how grateful and appreciative we are. Our society has many expectations - good service, to have meals, to be warm and comfortable in a home, and because we?re used to this kind of lifestyle it?s easy to lose a sense of gratitude and appreciation. Saying thank you is sufficient,Canada Goose Solaris, and is the right thing to do, yet have you considered how by going out of our way to show appreciation we can bless others and make them feel valued? When we show appreciation, we can make such a difference to someone?s day. A thank you note, a surprise gift, a letter commending good customer service to an employer, or a smile and a word of appreciation to the cashier at the checkout are some of the many ways we can show gratitude. Often showing appreciation, a short time after someone has blessed us, touches a person?s heart, as it demonstrates that what he or she did was noticed and appreciated. It costs us so little to take a moment to take someone aside to say thanks, you did a good job, and yet it can mean so much!
Being a thankful people is God?s heart for us. Scripture tells us many times to give thanks,Canada Goose D'Alpago Bomber, give thanks to God, and also to those around us. To be known as a person who is thankful, showing gratitude and appreciation for all things that we have been given reflects God?s love to the world around us. Our life is a gift, our health,Canada Goose Chilliwack, all we have, and all the ways that people serve and give to us are gifts, not rights we can demand or expect. Col 2v7 encourages us to be overflowing in thankfulness. Let this year be the year when we grow in our thankfulness,Canada Goose Ontario Parka, and take more time to show others our appreciation for them as individuals,women moncler jackets, and the things that they do.
Barbara White copyright 2005
About The Author
Barbara White,ugg classic short, a former Principal and teacher, is now president of Beyond Better Development. As a speaker and author, Barbara brings her passion and expertise to work with people to help them grow towards excellence and their unique potential in their personal and professional life. For more information visit her website, and sign up for her free newsletter "Growing Beyond Better"
info@livingbeyondbetter.com
This article was posted on April 22,Canada Goose Yorkville, 2005

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Old 11-07-2011, 07:27 AM   #2
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Old 11-07-2011, 07:48 AM   #3
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I would like you to first understand what debt negotiation is and how it works. The goal of a debt negotiator is to obtain a debt settlement for you on the current debt amount you owe your creditor. So for example you may owe one particular creditor $10,000 so the goal of the negotiator would be to have you end up paying back say $6,000. The two main benefits of going through this process are to save money on what you currently owe your creditors and to save time. By just paying the minimum payment with even a modest interest rate you will be looking at 30 or more years to become debt free, with a sound debt negotiation program you will be out of debt within 2-3 years or sooner depending on your current financial situation.
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Now you must understand these are great benefits but as with anything in life there are drawbacks, nothing is perfect and this consumer debt relief procedure is no different. For starters your creditors will not be willing to negotiate a debt settlement at all if you are current with your monthly minimum payments. They would prefer you to stay on their credit treadmill for the next thirty years and pay them back over four times the balance in interest alone. So you must fall behind on your payments to put the creditors into a position where they will be willing to settle. Once you stop paying them the ball game changes completely and they will then be willing to talk in terms of negotiating a settlement.

So obviously for some people the beginning of this process will have a negative effect on their credit score. For those who are already falling behind then the negative effect will be no different than it already is. Unfortunately for some people this will be the deterring factor that keeps them from going into debt settlement making them a slave to their creditors for the next thirty years. The good news is that this negative effect does not last forever, in fact once the settlements start coming through your credit score will begin to rebound and go back up. The reason being over 30% of your credit score according to MyFICO is based on how much debt you owe. But if you are stuck in a bad debt situation even if you are current with your payments your score is probably not all that good in the first place, and besides when stuck deep in debt your focus should be on how to get out of debt as quickly as possible, not on your ability to accrue future debt.

Now by falling behind on your debts you must understand that these creditors are just not going to roll over and play dead, they will be calling to try and collect the debt. For some this is not a problem at all, for others it is, that is why I stated above this process is not for everyone and the consumer must be in the correct mind set. From my years of helping people there is no rhyme or reason to how many calls you will receive some clients of mine barely get calls while others get them almost everyday. Something to keep in mind too is that no company has the power to legally stop the calls, so any company that tells you they can is flat out lying.

As you can see like I said earlier there are pro's and con's, but if you can accept the con's you will be quickly on the road to financial freedom and will save a lot of money in the process. Now to get to the meat of the matter and why I named this article "consumer credit card debt relief scams".http://www.forums.12buzz.com/member....ofile&uid=3040
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Some secured loans can be dangerous and beneficial at the same time. You would put up collateral in order to reduce the risk of the lender and this will help you to get much more competitive interest rates than you would get with an unsecured loan. The risk, however, comes when you cannot cover the balance of the money you have borrowed. If this is the case then your collateral may be at risk. To get debt relief from your secured loan, chis method will leave you still going to money, but you will be able to bundle together various different debts that you have into a single package, thus helping you get your collateral back safely.
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