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November 23, 2003

Thoughts: Credit in bankruptcy

Recent comment asked about getting/using credit in bankruptcy. Here are a few thoughts on credit in bankruptcy:

1. You can always get credit. There are credit card offers for people in bankruptcy. The offers given to people in bankruptcy, however, will come at higher interest rates, smaller balances, stricter and more rigid terms. For example, you might receive a credit card offer that announces a credit line for up to to $3000 but only guarantees a credit line up to $300. I've seen offers that cost as much as $170 to initially activate, so it cost the consumer $170 (a $50 annual fee and a $120 maintenance fee) to open the card and the credit limit is for only $300. This card would be at more than half the balance upon opening it. Check the fine print for all start-up costs before opening the account.

2. Once you file for bankruptcy, creditors know, in most cases, you have more disposable income. You're a good candidate for credit card offers.

3. If you haven't addressed your spending habits, you could end up in debt all over again, even while in bankrutpcy. The goal is to learn how to make good decisions with money so you're not constantly digging yourself out of debt. You want to get ahead with your money. Using credit cards, no matter what state your finances are in, can quickly deplete any extra money.

I'd think twice about entertaining credit card offers in bankruptcy. The last thing you want to do is end up in debt all over again. Take a hard look at your money and how you're spending it and where you want to be with your money in a few short years. The goal is to make your money work for you and a $29/fee to open a credit card could carry far greater costs in the long run. Again, decide for yourself if you to obligate your money so early in the game. With credit cards, that's essentially what you are doing.

Posted by on November 23, 2003 at 08:21 PM |

Comments

patricia

Good sound advice and I for one will take it. Cards have helped me to get into trouble and I will be very cautious about going back there again.

Posted by: patricia | February 16, 2004 at 05:39 PM

Piero

Growth entails many coordinated processes in the body. It involves a complex interaction of different hormones acting as messengers that communicate with the different parts of the body regarding what to do and when. Human growth hormones indirectly serve to stimulate the synthesis of cartilage cells, bringing about bone growth. This same effect acts as the power behind muscle growth.
How you look and feel greatly depends on your pituitary, which functions as your body’s master energy center. Weak pituitary function causes symptoms of aging, a run-down condition, low energy, or an accumulation of fat serves as the main hormone trigger of your entire body. It is the one that tells your body to replace the cells that die on a daily basis.

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With numerous functions of HGH, it is easy to see the importance of HGH and why, without it, muscle tone declines, fat stubbornly stays in the body and resists metabolism, and hair, skin, and nails deteriorate. Scientists believe that HGH have a role in most healthy functions of the body, including sexual function, proper operation of stomach and bowels, liver, and all glandular systems. Therefore, whether human growth hormones are directly interacting with certain cells or playing a major part in the proper function of bodily systems, there is no doubt that human growth hormones are essential to ensure youthful vigor and health.

Posted by: Piero | March 17, 2005 at 04:50 AM

Fede

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Di carattere ero molto timida, ma dopo varie esperienze mi sono trasformata in una vera e propria troia, il bello è che mi piace sentirmi chiamare così ! infatti ho provato quasi tutte le porcate possibili, scopate, orge, sesso a pagamento, esibizionismo, pompe a non finire, mi sono fatta rompere il culo che ero ancora al liceo, lesbicate, farmi palpare in pubblico, o accontentare un professore maniaco, farmi chiavare da extracomunitari o da ragazzini più piccoli di me. Accidenti mi sto eccitando al solo ricordarlo e voi?
Passai un anno a trastullarmi con la mia amichetta del cuore, Giulia, ma finita l’estate il mio corpo aveva iniziato a fiorire, soprattutto il mio petto che aveva iniziato a gonfiarsi e che non avrebbe smesso per molto tempo. I ragazzi iniziarono a interessarsi a me, io scoprii il piacere di essere desiderata. Intanto anche Giulia aveva voglia di cambiare così poco a poco i nostri incontri si fecero più radi, cosa che mi lasciava con una profonda voglia di orgasmi, ma fare da sola non mi bastava.
Tra i vari ragazzi che mi facevano il filo c’era anche il mio compagno di banco.

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Si può essere coinvolti sessualmente al punto da provare sensazioni talmente forti e calde da sentirsi morire di piacere pur non facendo davvero sesso? insomma, senza che i corpi si incontrino?
Si può desiderarsi alla follia solamente con lo sguardo o con un gesto?
Sì, a me é successo; ho vissuto momenti di estenuante desiderio per qualcuno che non ho toccato, che non conosco e che non ho mai più rivisto dall’estate scorsa.
L’inizio del luglio 2004 é stato, nella bassa veronese, veramente caldo; dovevo presentare una tesina ma studiare mi pesava molto: il caldo mi rendeva inquieta, disattenta e anche facilmente eccitabile.
Così mi ritrovavo spesso con la voglia di far l’amore ma la castità era necessaria, dato l’impegno che mi ero assunta; niente distrazioni: regola ferrea da rispettare.
Così , come diversivo, e anche per uscire di casa, avevo preso l’abitudine di andarmene tutti i giorni intorno all’orario di apertura pomeridiano a visitare un grosso centro commerciale,
distante qualche centinaio di metri da dove abitavo.
Mi piacciono questi enormi empori, su più piani, dove puoi trovare di tutto, anche le cose più strane: me ne andavo in giro tra quegli scaffali in un ambiente semideserto data l’ora e assai fresco, senza una meta precisa.

Posted by: Fede | April 17, 2005 at 04:34 AM

asd

asd qarawrarr

Posted by: asd | August 19, 2007 at 04:47 PM

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