Credit, Loans and personal debt

Shopping around for a quote for your car insurance [http://www.carinsurance-cheap.info/] instead of automatically renew your policy is something that you absolutely have to do. Most of the time it will give you a quality insurance and at the same time usually save you money.

The old fashioned way to track down an affordable car insurance quote is to go directly to the source. Head to your local insurance office in person; sit down with an agent, and find out what discounts and rates are available. Keep in mind however, that your idea of a cheap car insurance and your agents may be totally different. A cheap car insurance quote for a new sports car owner with a history of accidents for instance, will be substantially different than the cheap car insurance quote offered to the owner of a fifteen year old pick-up with a spotless record.

I have noticed that our country rewards incompetence, The US and the countries of the EUropean Union also seem to do this. The incompetence I am talking about is the inability to manage a large business properly and profitably over a long period of time. I mean, by a long time, several generations. These people are not trying to leave the next or subsequent generations any a kind of wealth.

The people at the top of businesses and companies in this country want to make a very fast buck for themselves, in as short a time as possible, as quickly as possible before they are found out just how bad they were at running the businesses they were assigned.

Selling young people credit is extremely profitable in the short term. In the long term it is disasterous for the country, to social cohesion, to everything this nation stands for.

Selling China and India the blueprints how to make cars, buses and lorries is very profitable in the short term. In the long term the next generation will not find work as skilled labourers. Theirs will be the work of unskilled labour, if they have a job at all. Those who sell these industrial patterns are nothing short of being traitors.

With China and India on the horizon, the European Union, having failed to protect us from the onslaught of cheap industrial goods from territories outside the union, which it was supposed to do, becomes totally irrelevant. We should seriously question our membership.

Don't look to politicians for a lead: all they are out to do is make a fast buck for themselves. Greed has driven this country to desparation.

Buy gold. Go self sufficient.

I have no debt but the banks are determined to get me into debt, letters every week , this cheque for 10 grand could be yours. you can borrow this that and the next thing, I'm not even employed

It's the same here in the US too, in that seemingly every day I get credit card offers, home load re-finance offers, and on and one it goes. These banks and lending institutions want your soul financially...

It's really about being financially responsible, and resisting the temptation to get that credit card...

Here's what I do with these offers...

I shred the paper and then send it back in the postage paid envelope provided. No reason why you can't have a bit of fun with the junk they send you, right?

just look at the difference between the rise in the cost of living? to the rise in our wages. 5 years ago I was earning £17500 p/a and the average house price in my area was around 55k now its 110k but the average wage doesn't seem to have gone up much yet debt as risen dramaticaly you do the math

As a housewife, I believe couples in a marriage should treat each other as equals. My husbands job doesn't allow me to work because he travels so much. While he's away, it is my responsibility to take care of the children and bills. We work as a team and neither one of us have credit problems or debts. Yes, a woman can stay at home and not run her husband into debt. Maybe it would be better if the man trusted the woman more. We're just as smart with money as you are. Give us a little credit. Before we met our men, we dealt with our problems on our own.

It would be interesting if a court declined a possession order on the grounds of irresponsible lending.

As someone who has fallen foul of the credit card companies - and now my credit rating is somewhere burryied under antartica, while my (bad) debts are so large it doesn't really matter any more - I say the credit card companies deserve all they get. Debt in this country will soon be too heavy for the economy to support in the very near future, and hopefully the finance houses will have to pay the price by not being able to recover any of the bad debts they hve given away without checking people's ability to pay.
my advice to anyone about to go bust is spend every penny left on your cards / loand - cos it doesnt matter if you fail to pay £300 or £50,000 - if your debts are un secured, they cannot touch you - and you may as well buy what you can before your cards are stopped.,

To all of you men who think your wife is an "assistant." I guess they have you outsmarted!
What about the women who have your children and you don't want to pay daycare so they are forced to be at home? Part of the problem with our society and children committing more crime, is that they are being raised by other people, so the women can work to help pay the bills.

Sad thing is that most spending is uneccessary. I used to work for a consolidation loan company and looking at people's credit records indicated that at least 75% of them had spent on things like lavish holidays, huge cars and designer clothes, ultimately producing massive debts. Most debt is produced from greed. Perhaps if we spent more time on gaining quality of life and spent less money on status goods, the UK would be a happier place.

Oh come off it, most men love to have a wife at home, even if it is just to do the housework, after all, Men don't want to spend their evenings and weekends doing jobs around the house do they? At least, if nothing else, the work is done for them, and dinner is ready when they come home. I don't expect my wife to have luxuries, she knows if she doesn't work she can't afford them. So what? She is getting free food and lodging for the jobs she does around the house. She doesn't have a credit card or access to my account, so I don't worry about getting into debt. Simple or what?

Very true, how can one hold one's head up in the street when one is spending 'ill gotten gains', ie hubby's hard earned cash? Worse, what kind of man respects a wife who sits all day watching the daytime tv programmes and doing the odd job which most manage at weekends to do, while spending his earnings? They deserve each other!