Credit-card debt isn't all bad. A little can get you out of a tight financial jam -- but a lot can lead to its own money emergency.
How can you tell if your debt load is nearing a critical level? Look for these symptoms:
1.You're unable to make the minimum payments on your credit cards
2.You borrow from one card to pay another
3.You're frequently charged fees for late payments or going over your credit limit
4.You use plastic out of necessity rather than convenience
5.You forgo contributions to savings and retirement plans because of your debt
6.You devote more than 20% of your take-home pay to making payments on credit cards and loans other than your mortgage.visit:-http://finance.yahoo.com/banking-budgeting/article/103652/Don%27t-Let-Debt-Get-You-Down;_ylt=AsUTBBilGUZK8mY5cfpr2HNfrdIF
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1 comment:
I see no solution to the dire job situation. I believe that it will worsen. Think about this even in the very best of times companies were in some cases lots of cases e very unwilling to give decent raises and benifits. Now we have a situation where they don't even need all the personal they have now. In a upside down environment like today a company can easily get away without giving raises or even offering benifits in many cases. Earnings of fortune 500 companies are at record levels. The problem is not that most companies are unable to compensate their employees fairly its that they just choose not to do so.
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