Steve Rhodes
Steve Rhodes
Steven John Rhodes is a former English cricketer. He was best known as a wicket-keeper, but was also a useful number six or seven batsman, making twelve first-class centuries...
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People run up credit cards to live a certain lifestyle and when the cards run out, so does the lifestyle. If you live a life on borrowed money, it's going to catch up with you.
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Our program takes into account past financial history, current history, and we develop a settlement plan which usually requires concessions from the lenders.
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People who use it are just blown away. This is not something that just the lunatic fringe does.
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Just because somebody will approve you, that doesn't mean you can afford it.
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When it comes to credit, one lesson people have never learned worldwide is simply because somebody extends credit to you has nothing to do with your ability to afford it.
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They do fill a need. They are in areas where there are no banks, where the banks have pulled out of.
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You should expect that at some time you're going to have a credit card rejected.
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Who wants to be out with your friends or business clients and have that happen -- 'Do you have another card, sir? ' You feel like a loser -- when it can be completely beyond your control.
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So many people that wait until the last minute buy all these things with money they don't have.
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Money can be as addictive as lots of other things -- drugs, sex, alcohol. There are truly money disorders.
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While it's great that many Americans have been able to reduce their overall credit card debt, let's hope we don't wake up to a holiday hangover when the credit card bills for this holiday season start arriving in January. If consumers used credit for their holiday purchases this year, they might erase any progress they have made toward paying down their debt.
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With our limited funds we can only do a limited campaign.
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We're pleased for Nathan that he has had such a successful six months since we signed him but we really want stability with our overseas players this year.
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If they don't let you do it, that may be a warning sign and you may want to go somewhere else.