National Foundation For Credit Counseling Reminds Consumers That Bad Financial Habits Can Be Addicting


Washington, DC (PRWEB) November 14, 2011

The Great American smokeout on November 17th is a day dedicated to helping consumers overcome their addiction to the smoking habit. The nationwide event encourages people to put down their cigarettes in favor of a healthier lifestyle.

The National Foundation for Credit Counseling (NFCC) also supports a healthy lifestyle, one which includes financial health. In addition to the known health risks associated with smoking, it is also damaging to your pocketbook, said Gail Cunningham, spokesperson for the NFCC. A pack-a-day- habit can easily cost $ 150 per month, often taking money from priority expenses such as housing, groceries or gasoline.

Smoking certainly isnt the only habit that can be costly to a persons financial well-being, nor is it the only one that can become addictive. In this economic environment where consumers often struggle to make ends meet, they may resort to desperate measures when in need of money. Since quick fixes are often habit-forming, the NFCC recommends evaluating the following behaviors, giving consideration to kicking their own financial addictions.

Payday Loans – On the surface, getting the needed cash may seem worth it at any cost. But its that cost and the addictive nature of seemingly easy money that can become financially back-breaking. To obtain a payday loan, the borrower writes a post-dated check for the amount of the loan plus any fees the lender tacks on. They then receive the amount of money initially requested, promising to pay back that amount plus the fees. The term of the typical payday loan is one to two weeks, at which point the lender cashes the post-dated check. Most payday lenders will charge a certain dollar amount per $ 100 borrowed. For example, they may charge $ 15 for every $ 100 they loan. Thus, if $ 300 is needed until the next paycheck arrives, the post-dated check would be for $ 345. Whats $ 45 when $ 300 is desperately needed? Heres the catchthat $ 45 represents an Annual Percentage Rate of 390 percent. Most people wouldnt dream of taking out any other type of loan with triple-digit interest. And, if this isnt bad enough, many consumers cannot repay the loan at term, and end up rolling it over, thus adding on more fees and interest.

Pawn Shops People can do several things at pawn shops. They can borrow money by putting up something of value as collateral in exchange for cash, they can sell their merchandise outright, or they can buy the merchandise that is for sale at the shop. There are bargains at pawn shops, but only for those buying the merchandise, not for the sellers. Typically, the person pawning the merchandise receives a sum of money (usually nowhere near the true value of the item) which he or she agrees to repay with interest. If the loan is repaid by the end of the term, the merchandise is returned to the owner. If the loan is not repaid, the consumer can renew the loan, or the merchandise is forfeited. Whats the problem? Again, its the interest and fees, with APRs typically in the triple-digit range once all charges are included. Further, some studies have shown that only 60 percent of pawners end up reclaiming their merchandise, thus they have essentially sold an item for cents on the dollar, something they wouldnt otherwise do.

Rent-to-Own Everyone wants nice things, and if the family is coming over for the holidays, its tempting to spruce up the home. A quick trip to the furniture or electronics store could confirm that a new living room set and flat panel TV are not in the budget. Then an ad for similar items with affordable monthly payments appears in the newspaper. It seems too good to be true, and guess what, it is. The problem once again lies in the interest and fees. For instance, if a $ 200 item was purchased through a rent-to-own agreement with the terms of making the seemingly affordable weekly payments of $ 15 for 78 weeks (basically one and one-half years), the total cost would be $ 1,170 for that $ 200 item at an APR of 388 percent. Adding insult to injury, it is likely that the same item could have been purchased at a traditional store for a fraction of the overall cost.

People wonder why anyone would agree to the terms imposed by payday loan companies, pawn shops and rent-to-own businesses. The answer is that consumers who utilize such concerns typically do not qualify for loans from banks or credit unions, and would not be approved for in-store lines of credit. Nonetheless, people need to understand that even though there is always a cost to credit, when that cost becomes unreasonable, the consumer is better off considering other options or doing without. The real answer lies in breaking the addiction to these easy money solutions by probing to understand the root of the problem and resolving it, Cunningham continued.

If you need assistance breaking your financial bad habits, reach out to an NFCC Member Agency where youll find legitimate help through a trained and certified credit counselor. To be automatically connected to the agency closest to you, dial (800) 388-2227, or to locate an agency online, go to http://www.DebtAdvice.org. For assistance in Spanish, dial (800) 682-9832.

The National Foundation for Credit Counseling (NFCC), founded in 1951, is the nations largest and longest serving national nonprofit credit counseling organization. The NFCCs mission is to promote the national agenda for financially responsible behavior, and build capacity for its members to deliver the highest-quality financial education and counseling services. NFCC Members annually help more than three million consumers through close to 800 community-based offices nationwide. For free and affordable confidential advice through a reputable NFCC Member, call (800) 388-2227, (en Espa

Fight for your Right to Vape – Daily Action Plan for Monday 9-9-13

Fight for your Right to vape – Daily Action Plan for Monday 9-9-13

The Anti-Ecig Massachusetts (H3639) bill by Jeffry Sanchez has been filed and referred to the Massachusetts Joint Committee on Public Health. Lets reach out to this committee and tell them to stop this bill. Also keep sending tweet to the E&C.

http://spredd.it/cv3LGN0R
http://spredd.it/cJfQ3734
http://spredd.it/mK3Iz58N
http://spredd.it/cv3LGN0R

Tell you Ecig story to a member of the Joint Health Committee in Massachusetts. Tell them, How long you smoked, How long since your last cigarette and how you fell since you started using the Ecig.


<a href="http://fight for your right to vape – daily action plan for monday 9-9-13″ target=”_blank” rel=”nofollow”>https://www.facebook.com/ruthbalser

Let’s all reply here with "done", "tweeted," "posted," etc. to encourage others. Thanks for participating!

Past Action Plans
<a href="!464847!http://www.e-cigarette-forum.com/forum/general-e-smoking-discussion/464847-fight-your-right-vape-daily-action-plan-friday-9-6-13-a.html” target=”_blank”>http://www.e-cigarette-forum.com/for…-9-6-13-a.html
<a href="!464432!http://www.e-cigarette-forum.com/forum/general-e-smoking-discussion/464432-fight-your-right-vape-daily-action-plan-thursday-9-5-13-a.html” target=”_blank”>http://www.e-cigarette-forum.com/for…-9-5-13-a.html
<a href="!464003!http://www.e-cigarette-forum.com/forum/general-e-smoking-discussion/464003-fight-your-right-vape-daily-action-plan-wednesday-9-4-13-a.html” target=”_blank”>http://www.e-cigarette-forum.com/for…-9-4-13-a.html
<a href="!463614!http://www.e-cigarette-forum.com/forum/general-e-smoking-discussion/463614-fight-your-right-vape-daily-action-plan-tuesday-9-3-13-a.html” target=”_blank”>http://www.e-cigarette-forum.com/for…-9-3-13-a.html
<a href="!462150!http://www.e-cigarette-forum.com/forum/general-e-smoking-discussion/462150-fight-your-right-vape-daily-action-plan-friday-8-30-13-a.html” target=”_blank”>http://www.e-cigarette-forum.com/for…8-30-13-a.html
<a href="!461676!http://www.e-cigarette-forum.com/forum/general-e-smoking-discussion/461676-fight-your-right-vape-daily-action-plan-thursday-8-29-13-a.html” target=”_blank”>http://www.e-cigarette-forum.com/for…8-29-13-a.html

……mvp v2

….MVP v2

Preferably from a us vendor, without having to pre order or join a "support" club etc. Of course the cheaper the better but it should be the same price as the first. I have found some places but they are out or taking orders or want $66+ dollars for a black one. My least favorite of the 3 colors.

DIY flavs: Gum Acacia & Alcohol-free, all natural plant-derived?

I bought about 15 flavors from Nature’s Flavors ‘Organic Flavor for Coffe/Tea’ line, and don’t like the burnt taste from the ethyl alcohol despite it being a preferred throat hit addative for some.

Some NF’s lines have Gum Acacia instead of alcohol, but I read it can cause asthma if vaped.

Some of NF’s lines don’t seem to say what ingredients they’re made of. I think it depends on which flavor it is. Example: vanilla might just be vanilla beans and water aged, but watermellon from the same line might be immitation organic plant-derived flavor in ethyl alcohol. However, the vanilla + water might then be steam distilled in organic gum or starch to make it water soluble.

So, I’m going to call/email them and see if any of their lines are alcohol and Gum Acacia-free (and anything else I shouldn’t vape). If needed, I’ll ask if they can custom make me something.

Just in case NF doesn’t work out, and to have something to compare it to if it does, I’m looking for flavors that are:

No alcohol or Gum Acacia or anything else I shouldn’t vape.
No synthetic ingredients, All natural, vegan, plant-derived ingredients. Hopefully organic.
Wide variety of flavors
Good price and doesn’t need too much % in the mix so it lasts (no more than like %15, but prefer %10 or lower if possible).

Thanks.

General juice help

so to start things off i was not a smoker when i started vaping (i was smoking when i was in high school but it was never serious, and it has been probably 5 years since an analog has touched my lips). so since i am picking up vaping pretty much clear of any "smoking" habits im a little lost on what kind of juices i would get.

im not sure what kind of mixes would work for me and dont want to aimlessly spend money trying to find that out. im not sure what information to give to help pinpoint what i need since i have been aimlessly vaping for about 3 weeks.

also as a side note lately i am getting headaches, which is not common (but i might be getting sick) and im not sure if nic levels can even do that to a person. i dont want to go out of my way to get no nic juices if thats not causing it.

any help would be greatly appreciated and thanks in advance.