Advice
Excess Free Advice Causes Uncertainty
Posted on March 26, 2012 |
Are you receiving too much unwanted and unappreciated advice? Do you feel like you are on “overwhelm” because everyone else wants to run your life for you? Are some of these pieces of advice so pointed and piercing that they are painful and un-nerving?
Well intentioned people often give abundant but not helpful advice. Almost everyone has family members, friends, peers and associates that are more than willing to provide free unwanted advice on almost everything. Unfortunately, the more you listen to these supposedly well-intentioned people, the more confused you become and the more out of control your logical thinking becomes. This process begins a downward spiral of lowering your self-confidence, your self-esteem, your rational decision-making process and clarity.Free Advice Overload
A good example of just such an “unwanted advice” experience is my friend on the west coast. She is selling her house to join up with her grown children and grandchildren a thousand miles away. Her children’s house sold quickly and they moved ahead. Hers is still on the market. She is now stuck according to her friends and neighbors. She knew her life was not filled with peace, balance and good Feng Shui energy. The problem is she didn’t understand why.
She is getting advice that ranges from “reduce the price again” to “you need to repaint the entire interior of your home.” Or from, “don’t move – you don’t need to be so close to the children” to “save your money, you should live with your children.” Or even from, “buy new furniture so your house shows better – you sent too much ahead” to “get rid of all that old stuff and make the house almost empty – but look new.”
She even got advice on quitting her job to move immediately, getting a second job, fixing up her old car to drive the 1000 miles with her two dogs to getting rid of the car immediately. She had so much advice dumped on her she was bewildered, discouraged and confused.Take Control
In order for my friend to take back control of her life she needed to decide how to evaluate the advice that was being thrust at her, and then process it, retaining only that which would really help her make a positive energy difference in her life. The remainder she needed to immediately discard.
I suggested she take a plain piece of paper and divide it down the center. Label the left column Free Advice and label the right column I Don’t Think So (her title). I suggested she list in the left column every possible suggestion and idea she’s been given. Even thoughts that she later had that were the result of the pointed comments of others.
In the right column all she needed to list were the specific goals she wanted to reach such as selling her house, maintaining an income and moving as soon as possible to be with her family again.
Once the lists were completed it was much easier for her to evaluate exactly what advice would be helpful in meeting her goals, which ideas were not relevant and which ones were totally intrusive and none of anyone else’s business. She told me, “when I actually put it in writing…it seemed pretty clear and most of the supposedly well-meaning people gave me advice that was pretty silly.”
This simple process of creating two lists and evaluating the advice in column one with the goals in column two gives you the clarity you need to help you focus on the important positive energy action steps to take while eliminating the outside noise and clutter created by all the free advice.
The next time you are surrounded by well-meaning advice givers, thank them for their offers of help with a smile. Instead of agonizing about what you should do or not do, immediately when you get home, write their suggestions on your piece of paper – evaluate it against your stated goals. If it turns out to be a good suggestion, place it on a “maybe” list and review it again at a later date or if it’s really good, put it into action. If it just doesn’t work for you, eliminate the idea and do not give it a second thought.
You will be in total control through this process. The best Feng Shui energy you can ask for is to be in control of yourself and your surroundings. Use the Free Advice – I Don’t Think So method to eliminate the negative energy of excessive free advice and determine what advice provides you only positive energy so you can stay in-control.
© Pat Heydlauff, all rights reserved 2008
Iva Free Advice-easy Solutions to Debt Problems
Posted on March 17, 2012 |
An introduction:
An IVA free advice is introduced by the Insolvency Act 1986 as an alternative to bankruptcy. By this people facing serious debt problems makes a proposal to their creditors to solve the problem. If the proposal is accepted by majority of the creditors, then all, debtor and creditors are bound under a contract. Under a standard IVA a debtor has to pay an affordable amount each month into a fund over 5 years.
Prerequisites and other facts:
In order to avail IVA free advice you have to meet certain criteria’s as a debtor. You must have a debt of at least £15,000 owed to three or more lenders. It is important that you should get best advice when IVA is chosen. Also the organization should be professional and independent. It is very important as when you deal with an IVA, you are bound with an agreement for five years. So you should carefully understand various facts and clauses of the deal before choosing an IVA.
Today you can find out a lot of IVA organization offering very lucrative offers, but you should check them well before opting them. Some of the key points that should be kept in mind before going for any IVA organization are as below:
a) The IVA advice you are being offered should be impartial.
b) The IVA advice must consider the perspective of both creditors & debtors.
c) IVA advice should be compliant with appropriate licensing and regulations.
d) Advisers should have IVA and debt management experience.
e) All IVA advice and supervision process and systems should be defined and governed by experienced professionals.
IVA free advice has got great benefits, some of them are
a) The interest rate is frozen.
b) The overall debt is reduced.
c) Legal proceedings are stopped.
Where Is The Best Place To Get Debt Advice?
Posted on March 6, 2012 |
These days it’s not difficult to run into problems with debt. We’re surrounded with growing unemployment, lack of consolidation loan solutions and the likelihood of increased interest rates in the near furture.
What if your income dries up for any one of a thousand possible reasons? What if you lose your job? Are unable to work through illness? What if unforeseen circumstances mean that you are unable to service your debts? Modern life is expensive and it doesn’t take long to start owing considerable amounts of money. Maybe you’re just living slightly beyond your means and over a longer period you’ve found yourself owing a large amount of money. Do you bury your head in the sand, pretend it isn’t happening and simply wait for your debts to resolve themselves? At what point do you face up to the situation and or seek help?
Once you’ve decided to bite the bullet and take advice to try and deal with your situation, you then need to ask yourself where do you turn to? Who can you speak with to get impartial, independent financial advice? Who can you trust?
There are many ways to resolve a difficult financial situation and you will need input on what’s best for you. Look to take advice from a reputable and independent organisation with someone who can sit down with you and study the whole range of options available to see which debt reduction strategy suits your particular circumstances. From Individual Voluntary Arrangements (IVAs) if you are in serious debt and owe more than £15,000, to bankruptcy, debt management, debt consolidation and debt management – you need to explore all the options carefully.
Ideally you will be able to benefit from the input of a non-profit organisation experienced and expert in handling situations just like yours and able to offer the very best advice to help you escape your debt.
Iva Free Advice: to Solve Your Debt Problem
Posted on March 1, 2012 |
If you are a troubled debtor with a lot of financial problems, then you need some professional advice on IVA. If you are a citizen of U.K. then you may be well aware as to what IVA is. However, if you are not aware then just read on.
If you are a debtor with multiple creditors and find yourself in the clutches of the debt trap then you need to contact an IVA practitioner. You can find such a professional practitioner at any debt solution company. You can take up an online or offline search to find out some really good companies. Some companies offer IVA free advice and this can help you to understand better how IVA, Individual Voluntary Arrangement can benefit you.
In order to get apt IVA free advice it is required to take up some good research work. Then when you find out an appropriate IVA company you will almost solve all your debt issues. If you are facing severe debt problems and think that such a financial situation will lead you towards bankruptcy then the saviour is IVA.
Now, IVA advice can help you to understand that under which circumstances a person is allowed an IVA. Not every individual can take resort of this arrangement. You can opt for this arrangement only under dire financial circumstances. If you have a total debt of at least 15000 pounds with more than one creditor, you can opt for this. In that case, the debt management company appoints an insolvency practitioner for you who makes calculations in connection to the monthly instalments to be paid to creditors. However, this arrangement must have the approval of at least 75% of creditors by value. And this arrangement relaxes a debtor mentally as the amount to be paid is quite affordable and after deducting the monthly expenditure that is required for maintaining life from the total monthly disposable income and assets, if any.
Online IVA service can help you for good advice. Many IVA companies serve with free advice while some of them do charge some nominal fees. In any case, you must be sure that the IVA advisors are experienced and are aware of all the legal implications and loop holes.
Iva Free Advice: a Perfect Panacea in Financial Turbulence
Posted on January 31, 2012 |
IVA debt solution can be the best solution for a troubled debtor. If an individual is heading towards bankruptcy or insolvency then IVA debt solution can be the finest option for him. If you want to know about the IVA arrangement then you can opt for IVA free advice. There are many IVA advisors in U.K. This is because more and more people in U.K. are falling in the clutches of the debt trap.
If you are thinking as to where you will get free IVA advice then you can try out online. This is an apt solution. In this way, you can save your time as well as money and can get all the required information with just a mouse click. Apart from online advice, there are many IVA advisors in U.K. Most of them say that they are free advisors but then rather than the client’s interest they give you solutions which are rather profitable to them. So, you have to be careful of them. There are even agencies which charges fee for their advice. But in that case, you must find out the services they offer.
While searching for a suitable IVA free advice, you will have to do some homework and then find out a proper agency which can guide you in this matter. You can contact a few agencies and find out their terms and system of working. Apt IVA advice can really help a debtor.
An IVA advice which is free must be able to let you know about the advantages and disadvantages of IVA debt solution. The advice must be in context to you and your debt. The advisor must let you know whether IVA debt solution will be useful to you or not. Just be careful while selecting an advisor. He must be experienced and must be aware of all the legal implications and rules and regulations.