Financial success starts in the mind. And if you have a positive money consciousness, you will find it relatively easy to make, save, manage, and grow your money. In this video I’ll take you through a guided meditation that will help you with this. http://bit.ly/2GmhTWx
To further help you with mediation of wealth and abundance, I’ve included a FREE download to my 4-Step Meditation Guide. Click the link above.
Transform your life and career with this FREE training: The 7 Pillars of True Life Transformation!
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millionaire mindset, wealth creation, abundance meditation, wealth affirmations, money affirmations,
My Wife And I Don’t Agree On How Serious Debt Is!
Say goodbye to debt forever. Start Ramsey+ for free: https://bit.ly/35ufR1q
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Did you miss the latest Ramsey Show episode? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch debt-free screams, Dave Rants, guest interviews, and more!
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Check out the show at 4pm EST Monday-Friday or anytime on demand. Dave Ramsey and his co-hosts talking about money, careers, relationships, and how they impact your life. Tune in to The Ramsey Show and experience one of the most popular talk radio shows in the country!
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If you require hospitalisation, chances are you will have some queries about the cost and payment. Watch this clip to learn what you need to know about your hospitalisation bill during the financial counseling session.
To some people, making a deal for debt is like making a deal with the devil. For others, debt is a necessary evil that must be put to good use. In this video, we shall look at what debt is. Is it good or bad? You’ll learn everything you need to know about debt. Enjoy!
#debt #business #management
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Timestamp
(01:41) Is debt good or bad?
Types of debt
(03:33) Mortgages
(04:29) Business debt
(05:13) Corporate debt
Types of corporate debt
(05:23) Bonds
(06:12) Commercial paper
(06:46) Credit Card debt
(07:42) Car loan
(08:48) Personal loan
(09:31) Medical debt
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DISCLAIMER: I’m not a financial adviser. These videos are for educational purposes only. No official financial advice is being given. Please always check with a professional before making any investments or financial decisions. Your investments are your sole responsibility, these videos merely share my own opinions with no guarantee of gain or losses.
– The Audible link is an affiliate link meaning if you make a purchase using the link, I will receive a small commission at no extra charge to the buyer.
Welcome to the second episode of Middle Billing, this is where we celebrate the best of the hood life. We celebrate those homeowners who have created and transformed their living spaces into sanctuaries.
Meet tonight’s homeowner, Shawn Saunders, born in Kensington, raised and schooled in Tafelsig. Shawn has a heart for serving his community and his mission is to show the youth that you can live a better life, beyond your circumstances. He is the managing director of a successful debt mediation company based in town center and after hours, besides for enjoying his beautiful home with friends and family, runs a non-profit organisation called PRO-JX (pr. PRO-JEX) a youth development initiative. .
Debt Review Clearance Certificate
Get your Debt Review Clearance Certificate today. Simply complete the below free online application for assessment and one of our professionals will contact you.
What is a Debt Review Clearance Certificate?
A debt review clearance certificate is also known as Form19 is a certificate that verifies that a consumer has satisfied all obligations under every credit agreement that was subject to a debt review court order or debt review repayment agreement. This certificate is evidence that you are debt-free and you have completed the debt review process.
The issuing of a clearance certificate as per section 71 of The National Credit Act (NCA 34 of 2005) signals the end of a successful debt review process. The effect is that even if the consumer has a long-term agreement that was subject to debt review such as a mortgage bond, they can obtain a clearance certificate after every other short-term credit agreement under debt review is paid in full.
In terms of the National Credit Act (NCA) 34 of 2005, the debt counsellor and not a court, must issue a clearance certificate.
This debt review clearance certificate can only be issued by a registered debt counsellor only if:
All the restructured accounts as per the court order or agreement are paid up in full.
There are no outstanding debt counselling fees.
Home Loan or your bond under the above agreement may be excluded. In other words, a clearance certificate can be issued if there is an outstanding balance on your home loan account.
What can you do with your debt review clearance certificate?
There is not much you can do. The National Debt Review Center will act under Section 21 of the National Credit Amendment Act. This Act requires your debt counsellor to present all paid-up letters with your clearance certificate to all bureaus. The National Credit Regulator requires The National Debt Review Center to present all paid-up letters with your clearance certificate to all registered credit bureaus.
This is to assure that the rearranged accounts get amended by the credit bureaus as paid up. The National Credit Amendment Act also requires all registered credit bureaus to remove the negative months in arrears from your credit profile.
What happens after the Credit Bureaus have received your Debt Review Clearance Certificate?
Once the bureaus receive your Clearance Certificate, they will remove the debt counselling flag off your profile. In addition to this they will remove all your default listings and judgements. The only record that will remain is your payment history. According to the Credit Act, your payment history will remain on your record for two years.
How long until I can apply for credit again after getting my Debt Review Clearance Certificate?
Many people think they can get credit straight away after receiving their clearance certificate.
This is not always possible.
In theory, you should be able to apply for credit again within a week of receiving your Clearance Certificate. But we have seen that the credit bureaus take longer than that to clear your record. We would suggest waiting three months before applying for new credit.
After the credit bureaus receive your Clearance Certificate each account in your Payment History should have a “Paid-Up” or “Closed” status. Since your Payment History remains on your credit report for 2 years your credit score will take some time to become good – as time passes your credit score will improve, and by six months it will be in a much better standing (but you don’t have to wait that long to apply for credit).
Pull your credit report about one month after receiving your Clearance Certificate. Check that everything is in order before applying for credit. If you see that the Debt Review listing still reflects on your credit profile contact the credit bureau immediately to rectify the listing.
Conclusion
A consumer under debt review can only be issued with a clearance certificate when:
When they either have paid up all their debts which were listed in the debt review court order or debt review repayment agreement.
When all their short term credit agreements listed in the debt review court order or debt review repayment agreement which is short term agreements may include a vehicle financing agreement have been paid in full and the consumer is only left with a mortgage loan that is not in arrears in terms of the debt review court order or debt review repayment agreement.
Read more
https://ndrc.org.za/debt-review-clearance-certificate/
http://cenkuslaw.com
Mediation is a type of alternative dispute resolution or ADR. You may also see arbitration stated as a form of alternative dispute resolution. Disputes are traditionally fought in court, but litigation is a rough process.
Arbitration is time-consuming, expensive and can end up looking a lot like arbitration.
Mediation is different from arbitration and litigation in that there is no deciding party like a judge or arbitrator. The benefit of mediation
is that it provides a chance for the disputing parties to settle their dispute in a much more cost-effective and efficient manner before jumping to more expensive means of dispute resolution mechanisms.
So, you should almost universally include mediation as a dispute resolution mechanism in your contracts. However, there are instances in which I would advise against including mediation provisions in your contracts and certain considerations to make if you decide to do so.
As always, ask me any questions that pop up after watching the video!
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For a deeper dive into and other legal issues vital to the success of your deals and your business, visit me at:
http://www.cenkuslaw.com
Just starting up? Check this out for my advice on startup success: http://www.thestartupshepherd.com.
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https://twitter.com/BCenkus
http://www.cenkuslaw.com
http://www.cenkus.com
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About me:
My 20+ years of experience in business finance, business law and entrepreneurship have led me to believe that numbers and logic are awesome tools, but understanding human nature and emotions is the first step to business success.
The Cenkus Law Firm provides services related to mergers & acquisitions, general business issues and startups, including founders’ agreements and fundraising. I also consult with entrepreneurs and have invested my own capital as an angel investor.
From 2010-2013 I served as Chief Legal Counsel of a publicly-trade international oilfield services company. From 2001 to 2006 me and a partner founded and built Paragon Residential Mortgage. Paragon was sold to Bridge Investments in 2006.
I hold a Juris Doctorate from Harvard Law School and a Bachelor of Arts degree in Economics from Messiah College in Grantham, Pennsylvania.
Now, I live in Austin, TX with my wife and two kids. I enjoy reading, running, classic movies, great food and wine and some great American football.
Result of Credit Provider Retail Finance Category at the 2020 Online Debt Review Awards Show.
For more info: www.debtreviewawards.co.za
