If you have serious debt problems and are looking for a solution, please fill out our contact form and one of our counselors will contact you at your convenience to discuss which options might be best for you.
The company BreastEnhancement.com caught our attention recently. They provide women interested in finding out more information about breast enhancement with access to board certified cosmetic surgeons in their area. We sent them an email asking for some more information regarding their company and what sets them apart. The following was their reply.
“At BreastEnhancement.com we take pride in providing consumers with access to not only the most current information regarding cosmetic surgery but also the ability to connect directly with the top Board Certified cosmetic surgeons in their area. BreastEnhancement.com is very selective in who we allow to partner with our company. We feel that it is an absolute necessity for us to maintain the highest standards in our operations as that is what we ask of the cosmetic surgeons in our directory.
Visitors to BreastEnhancement.com have access to a wealth of knowledge regarding many types of cosmetic surgeries (such as breast augmentation ) and procedures. We’re partnered with an industry leader in post procedure recovery garments. Just as much thoughtful planning and precision needs to taken with post operative recovery as went into the surgery.
In addition BreastEnhancement.com has an entire information database where consumers will not only be able to find answers to the many question they might have regarding the cosmetic surgery produce they are considering but the ability to submit questions to industry experts and communicate directly with some doctors even before their initial consultation.
At BreastEnhancement.com we’re far more than an advertising directory. We feel that we’re helping connect consumers with the information that they need in order to make an informed decision on such an important life changing event.”
Americans will get tax relief because of the First-Time Homebuyer Credit.
It is estimated that 2 million Americans will file to claim the tax benefit. IRS estimates suggest 1.4 million Americans have claimed previous versions of the First-Time Homebuyer Credit.
Homeowners must have owned and lived in their current home continuously for five of the last eight years to claim the credit of up to $6,500.
A house can not be valued at more than $800,000 to be eligible for the new $6,500 tax credit or the $8,000 tax credit for first-time homebuyers. Taxpayers can claim the credit on their 2009 or 2010 tax returns. A completed settlement statement must be attached to the return in order to claim the credit.
Owning a home can provide many other tax benefits. Consulting a tax professional to ensure you receive all the credits due is a wise move and speaking with a tax attorney is a very simple process. There are many companies that provide consumers with affordable tax advice. In all reality a five minute conversation could save a home owner tens of thousands of dollars in taxes.
10 THINGS YOU SHOULD BUY DURING A RECESSION
In tough economic times there are actually some pluses to be found amidst all that bad news that we seem to be bombarded with on a daily basis. As evidence continues to dribble out that the economy has shown some small signs that the recession may be coming to an end we are all taking a hesitant sigh of tax relief, even though the economy is far from out of the woods. If you are among the still employed and had good debt management habits in place before the recession hit, chances are you are poised to take advantage of some of the benefits a recession can produce as a side effect.
As harsh and predatory as that may sound it really isn’t. In fact you can even help to make the economy’s recovery happen sooner by taking advantage of the recession byproducts and help to re-stimulate the economy in a local and even national way by taking advantage of some of the stricken economy discounts out there.
I know this is a hard pill to swallow but the truth is that the real estate market’s pre-recession prices had reached historic highs that frankly were unrealistic and encouraged greedy thoughts in the most altruistic of souls. Most homeowners saw their property values increase up to 20%, (without making any improvements to the property) driving the median price of a home and it’s accompanying real estate taxes well out of reach of the average median income family. The burst of the inflated real estate bubble is actually a good thing, bringing back into reach the American dream of home ownership by returning property values to a realistic and fair price once again. Again keep in mind that you don’t want to drag yourself into a situation where you’ll be heading deeper into debt, requiring a debt management plan or a free debt consolidation program.
Here’s a list of the top 10 things you SHOULD buy:
1. Home or Condo; there are an abundance of homes on the market priced to sell and very favorable lending rates and tax incentives for those that qualify, so buying a home is number one on the list of things to buy during this recession.
2. New Automobiles; “all” car manufacturers are falling all over themselves to make the purchase of a new car a reality, as the car manufacturers have been hard hit by the recession reflected by their dismal sales numbers. Prices are bottom line fair and coupled with the various financing and bonus incentives being offered, make “now” the time to purchase a new vehicle.
3. Travel Packages; the travel industry has suffered greatly during this recession and are now offering fantastic discounts on travel packages that include air fare, accommodations, and dining discounts. Cruises in particular are deeply discounted. In state travel is also another area you can save money as most major theme parks are offering great incentives to get you there.
4. New Appliances; because of the housing slump this is another area that has seen a marked decrease in sales, again deep discounts can be found on refrigerators, stoves, dishwashers, etc..
5. Remodeling; home improvement supplies such as tile, carpeting, paint, wallpaper, plumbing and lighting fixtures and installation services is another area you can find great pricing.
6. Electronics; again the housing slump has had a dramatic effect on sales and manufacturers are offering great deals on anything from a blackberry to home theater set-ups and anything in between.
7. 401(k); yes the market is very volatile right now and that makes this the right time to double up on your investment if you can, great buys on blue chip stocks abound right now and the markets will return so now is the time to invest as much as your budget will allow, especially if you are among the lucky few who have employers who still match your contribution.
8. Luxury Items; boats, planes, cars, designer wear, jewelry all are being discounted although more modestly than other retail areas.
9. Dentistry; most cosmetic dentistry has also taken a hit thanks to the economy so dentists are offering reduced rates to entice people back into the dentists chair for cosmetic reasons again.
10. Plastic Surgery; again another industry that has been hard hit by the recession and while most people never want to go to a discount doctor cosmetic surgery and related services is another area discounts are being offered without a reduction in quality of services. Day spas also.
So, that is just the top 10 areas that you can find substantial savings and still feel good about yourself and your purchases while you help the economy to recover. This is not an endorsement for everyone to go on a shopping spree, wise debt management is a must in any economy and quite frankly the only way you can
responsibly take advantage of the bargains out there is if you have been practicing wise debt management and can afford these purchases.
If you haven’t been practicing good debt management now is the time to start and seeking the assistance of a reputable non-profit credit counseling service is the
best step forward that you can make in order to be one of those people that can reap the benefits of a downturn in the economy while helping to make the
recovery swifter.
There is a lot of misinformation about Debt Management, Debt Consolidation or a Debt Consolidation Loan not being a good option (or even a scam) for anyone. Like anything in life (any service) there are going to be people who operate legitimate businesses properly and other people who don’t. Any one of those services have benefits and disadvantages but it is unfortunate when individuals paint an entire industry as being a “SCAM”.
So it leaves some questions as to what their motivations might be. Well Suze Orman and Dave Ramsey are both very outspoken against any of these services. They claim that its unnecessary for a consumer to work with a debt management company. Ameircans can simply handle the whole process on their own. If they need help in knowing what the steps are in handling it on your own, well they both have dozens of books for sale helping explain the process.
Hmm. Well why not just give people the plan on the DIY guide to clearing up your debts for free on your website. It’s a little difficult to believe that they’re motivated more by their belief that Debt Management or Debt Settlement (Debt Negotiation) isn’t a good option then just wanting to sell their books.
The reality is that some people can handle their debt problems on their own. Not everyone is suited for one of these plans. If you have $6,000 in credit card debt, you could probably in six hours figure out the best way for you to reduce your debt and interest payments on your own. (WE WILL BE PROVIDING A DIY GUIDE TO DEBT REDUCTION SOON…. FOR FREE)
If you have $20,000 in debt owed to various companies with varying interest rates and your late on payments and , well you get the picture. A $50 book telling you things that are obvious (DON’T SPEND MORE THAN YOU EARN, CREATE A BUDGET) isn’t going to end your debt problems any quicker than you going to sleep each night hoping the problems will go away on their own.
Here’s some video clips from Dave Ramsey and Suze Orman.
Here we’ll explain all of the differences between debt management, debt settlement and any of the other options available to US consumers who have serious debt problems. There are many differences between all of these services. In fact just because you have debt doesn’t mean you are a good candidate for one of these services. We will be posting great information that will help you decide on your own if Debt Management, Debt Settlement or a Debt Consolidation Loan is right for you.
Each service will have its own section within this blog. There you’ll be able to find factual information about each service. We’ll also be posting video resources and interviews with leading debt service professionals. If you have any questions post them in the “Debt Questions” section and we will do our best to answer them.