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Economic News Reports

Tips On How To Sensibly Avoid Credit Card Debt



Credit card debt is one of the worst problems a person can have. Nowadays, thousands of Americans are struggling with it and many believe that it is irreparable. Debt just seems to put a damper on everything you do in your day to day life, food doesn't taste the same, going out for dinner is a struggle and even buying your kids a few gifts seems like a bit too much. So, why not avoid getting into debt all together? Holly Johnson from The Simple Dollar tells us that “Americans continue to dig a deeper hole when it comes to credit card debt . According to the Federal Reserve and other government statistics, our penchant for indebtedness means that the average household now owes $7,281 in credit card debt alone. But here’s the thing – that average includes even those who carry no debt at all. So when you take out the households and families that don’t carry a balance on any of their credit cards, the Average outstanding balance surges to $15,609.” This is a very troubling statistic due to the fact that Americans are burying themselves deeper in debt instead of learning from their mistakes. To avoid these credit card debt mistakes, here is short list of tips to avoid credit card debt:

1. Try not to miss any payments

Missing payments on your credit debt is a dangerous thing to do. Often times, the first thing people ask when it comes to credit card debt and missing payments is can you go to jail for credit card debt ? Erica Sandberg from Credit Cards dot com gives us a very straightforward answer, “If you're worried about spending time behind bars for not paying your credit card debt, know that there is no debtor's prison in the United States. However, there are other legal repercussions of which you should be aware. A creditor can sue you in a court of law, and if they are granted a judgment, they may be able to garnish your wages or take nonexempt property and assets. Living debt free is within every card holder's capability. The key is to always be aware of charging and balances, and address credit problems immediately.” Even though you can't go to jail should you have debt problems it is probable that you have big issues to worry about. Your creditors have the power to sue you in order to seize assets or garnish wages, so, in essence, these creditors have the power to take your home and leave you out on the street.

2. Only charge what you can afford to make payments on

Before you swipe your card and spend more than you should, think about what you're doing. Spending more than what you can afford to pay will set yourself up for problems. Since knowing how much you can afford to charge on your credit card is something completely subjective it is important to do some research. Not everyone will have the same budget, it all depends on how much you spend, your income, your credit limit and any other credit card balances you may have.

3. Limit your number of credit cards

Knowing how many credit cards you should have in order to avoid credit debt is something many people take too lightly. Most households in the US have multiple credit cards that are used almost everyday. Taking into account what was said in tip #1, having multiple credit cards can be difficult to manage and complete payments on time in hard times. Robinspost.com recently talked about a troubling trend surging among debt collectors The Federal Trade Commission and a number of other law enforcement agencies have taken action against 30 debt collectors accused of deceptive and abusive tactics, including harassing phone calls and false threats of litigation, arrest, and wage garnishment. Some of the collectors are accused of knowingly attempting to collect so-called phantom debts – phony debts that consumers do not actually owe. Others failed to give consumers legally required disclosures and notices, or to follow state and local licensing requirements.”   The more credit cards you have under your name, the higher the risk of something like this happening to you. It is simple, if you only have 1-2 credit cards then it should be easier for you to stay up to date with your credit card debt balances and payments.

Make a Budget


Making a budget is one of the most under appreciated aspects of avoiding debt. When you have a budget, it gives you a clear picture of what you should spend money on and what seems like overkill. Making a budget is fairly easy, it takes a short amount of time and the use of a calculator.   Start off with your base income, and start subtracting the money you're spending each month. If you end up with a negative number, then you know you have to change something in order to save money. The most important thing about finances is knowing that you cannot spend more money than what you make. A budget will give you straightforward answer to the question “where is my money going?”. At the end of the day, it's always better to avoid a problem if you can. The worst thing you can possibly do is ignore the situation and hope it goes away. This is a serious issue because you are doing nothing to improve your credit card debt situation. Not
avoiding credit card debt and simply making the minimum payments will not get you very far. The majority of the cash you pay goes towards the interest rates. This means that your only providing your creditors with profit instead of helping yourself out of the debt trap. So before you decide to swipe that credit card be certain to refer to our these helpful tips. Debt Relief Options When people find themselves in deep with their credit card debt the usually do one of these things listed:
    File Bankruptcy (Chapter 7 or Chapter 13)
    Debt management program
    Debt settlement / Debt negotiation
    Take out a Personal Loan
    Do Nothing
All but the last are viable options for debt relief. The important thing to remember is that there is no “one size fits all” debt relief option. Since every situation the right solution may vary, thus it is imperative to act swiftly.


YouTube Business News Playlists

IMF Video: Our latest work on climate change’s impact on fragile countries

Our latest work on climate change’s impact on fragile countries
Play Video: Our latest work on climate change’s impact on fragile countries


Description: Climate change is already having a devastating impact on the Middle East and Central Asia. Recent IMF work shows that the average economic losses for fragile countries are four times worse than when a storm, drought, or flood hit other countries. Learn more at IMF.org/climate and IMF.org/COP

Published: 1st Dec 2023 07:59:33   By: IMF

IMF Video: Perspectivas Económicas: Las Américas | Octubre de 2023

Perspectivas Económicas: Las Américas | Octubre de 2023
Play Video: Perspectivas Económicas: Las Américas | Octubre de 2023


Tras una recuperación más vigorosa de lo esperado después de la pandemia y la continuidad de la resiliencia a comienzos de 2023, el crecimiento económico en América Latina y el Caribe está desacelerándose a medida que las políticas más restrictivas para combatir la inflación surten efecto y se debilita el entorno externo. https://bit.ly/3FbUK6B

Published: 22nd Nov 2023 05:55:13   By: IMF

IMF Video: آفاق الاقتصاد الإقليمي للشرق الأوسط وشمال إفريقيا، أكتوبر 2023

آفاق الاقتصاد الإقليمي للشرق الأوسط وشمال إفريقيا، أكتوبر 2023
Play Video: آفاق الاقتصاد الإقليمي للشرق الأوسط وشمال إفريقيا، أكتوبر 2023


تباطؤ النمو واستمرار معدلات التضخم المرتفعة عبر العديد من اقتصادات الشرق الأوسط وشمال إفريقيا. جهاد أزعور من صندوق النقد الدولي يوضح ما يعنيه ذلك لمنطقة الشرق الأوسط وشمال إفريقيا وأين ينبغي لصناع السياسات تركيز جهودهم. IMF.org/MENA

Published: 21st Nov 2023 05:09:02   By: IMF

IMF Video: Regional Economic Outlook for the Western Hemisphere, October 2023

Regional Economic Outlook for the Western Hemisphere, October 2023
Play Video: Regional Economic Outlook for the Western Hemisphere, October 2023


After a stronger-than-expected pandemic recovery, economic growth in Latin America and the Caribbean is slowing amid tighter policies to combat inflation, a timely withdrawal of pandemic-related fiscal stimulus and a weakening global environment. https://www.imf.org/en/Publications/REO/WH/Issues/2023/10/13/regional-economic-outlook-western-hemisphere-october-2023

Published: 20th Nov 2023 09:07:18   By: IMF

IMF Video: 11th IMF Statistical Forum: Measuring Money in the Digital Age: Show us the money

11th IMF Statistical Forum: Measuring Money in the Digital Age: Show us the money
Play Video: 11th IMF Statistical Forum: Measuring Money in the Digital Age: Show us the money


Show Us the Money! Join us on November 16 at 3:15pm ET for the closing session of the 11th IMF Statistical Forum with Klaas Knot and Tobias Adrian, moderated by David Wessel. Closing remarks by IMF Chief Statistician Bert Kroese. Conference page: https://www.imf.org/en/News/Seminars/Conferences/2023/11/15/11th-imf-statistical-forum

Published: 17th Nov 2023 09:30:15   By: IMF

World Economic Forum Video: How to Live Meaningfully with Climate Anxiety

How to Live Meaningfully with Climate Anxiety
Play Video: How to Live Meaningfully with Climate Anxiety


From a feeling of powerlessness to fearing that the future is too uncertain to have children, action is needed to tackle a hidden climate mental health crisis, say health experts. Join Britt Wray, Director of Stanford University's Special Initiative on Climate Change and Mental Health, to learn about the latest research, and how embracing “climate anxiety” could solve both mental health and ecological problems. The World Economic Forum is the International Organization for Public-Private Cooperation. The Forum engages the foremost political, business, cultural and other leaders of society to shape global, regional and industry agendas. We believe that progress happens by bringing together people from all walks of life who have the drive and the influence to make positive change. World Economic Forum Website ► http://www.weforum.org/ Facebook ► https://www.facebook.com/worldeconomicforum/ YouTube ► https://www.youtube.com/wef Instagram ► https://www.instagram.com/worldeconomicforum/  Twitter ► https://twitter.com/wef LinkedIn ► https://www.linkedin.com/company/world-economic-forum TikTok ► https://www.tiktok.com/@worldeconomicforum Flipboard ► https://flipboard.com/@WEF #Davos #WEF23 #WorldEconomicForum

Published: 28th Nov 2023 12:00:47   By: World Economic Forum

World Economic Forum Video: Indonesia's Giant Floating Solar Plant & 2024 Smart Toy Awards | WEF | Top Stories of the Week

Indonesia
Play Video: Indonesia's Giant Floating Solar Plant & 2024 Smart Toy Awards | WEF | Top Stories of the Week


This week's top stories of the week include: 0:15 The world has an antibiotic problem – Antimicrobial resistance (AMR), also known as antibiotic resistance, is a major health concern. It occurs when microbes, such as bacteria, viruses, and fungi, become resistant to the drugs used to treat them. This makes infections harder to treat and increases the risk of death. 4:48 Indonesia's giant floating solar plant – Indonesia has made a significant stride in renewable energy by unveiling a massive floating solar plant, the third largest of its kind globally. Situated on the Cirata Reservoir, 107 kilometers southeast of Jakarta, the plant's 13 expansive arrays cover 4% of the reservoir's surface, capable of generating up to 192 MW of power. 6:06 2024 Smart Toy Awards – Moflin, a palm-sized AI pet, is among the winners of the Smart Toy Awards. Just like a real pet, Moflin's AI has an "emotional model" that allows it to react to the way it's treated. This interactive play experience fosters a connection between the child and the toy, creating a sense of companionship and responsibility. 7:58 Clean air projects attract global investment – In 2021, international development funding for air quality projects surpassed that of fossil fuel projects for the first time, reaching $2.3 billion, an increase of $800 million from fossil fuel projects. This significant drop from $11.9 billion in 2019, the peak for fossil fuel funding, suggests a potential shift in the global financing landscape away from fossil fuels. _____________________________________________ The World Economic Forum is the International Organization for Public-Private Cooperation. The Forum engages the foremost political, business, cultural and other leaders of society to shape global, regional and industry agendas. We believe that progress happens by bringing together people from all walks of life who have the drive and the influence to make positive change. World Economic Forum Website ► http://www.weforum.org/ Facebook ► https://www.facebook.com/worldeconomicforum/ YouTube ► https://www.youtube.com/wef Instagram ► https://www.instagram.com/worldeconomicforum/  Twitter ► https://twitter.com/wef LinkedIn ► https://www.linkedin.com/company/world-economic-forum TikTok ► https://www.tiktok.com/@worldeconomicforum Flipboard ► https://flipboard.com/@WEF #Davos #WEF23 #WorldEconomicForum

Published: 25th Nov 2023 01:00:28   By: World Economic Forum

World Economic Forum Video: Horizon Scan: China Future Trends

Horizon Scan: China Future Trends
Play Video: Horizon Scan: China Future Trends


What are some of the most important emerging trends in sustainability, innovation and society coming out of China? Join us to explore and discuss where those could lead us and what they could mean for the world. This session features a horizon scan of the latest trends that leaders and decision-makers should be aware of in the next few years. Speakers Xiaolan Fu Founding Director, Technology and Management Centre for Development, University of Oxford Keyu Jin Professor of Economics, London School of Economics and Political Science The World Economic Forum is the International Organization for Public-Private Cooperation. The Forum engages the foremost political, business, cultural and other leaders of society to shape global, regional and industry agendas. We believe that progress happens by bringing together people from all walks of life who have the drive and the influence to make positive change. World Economic Forum Website ► http://www.weforum.org/ Facebook ► https://www.facebook.com/worldeconomicforum/ YouTube ► https://www.youtube.com/wef Instagram ► https://www.instagram.com/worldeconomicforum/  Twitter ► https://twitter.com/wef LinkedIn ► https://www.linkedin.com/company/world-economic-forum TikTok ► https://www.tiktok.com/@worldeconomicforum Flipboard ► https://flipboard.com/@WEF #Davos #WEF23 #WorldEconomicForum

Published: 21st Nov 2023 12:00:19   By: World Economic Forum

World Economic Forum Video: Germany's First Zero-Waste City & Gender Balance Benefits Companies | WEF | Top Stories of the Week

Germany
Play Video: Germany's First Zero-Waste City & Gender Balance Benefits Companies | WEF | Top Stories of the Week


This week's top stories of the week include: 0:15 Kiel is Germany's first zero-waste city –Kiel has put 107 waste-reducing measures in place. They include practical changes, such as ‘pay-to-throw’, a scheme in which households pay a fee for the amount of landfill waste they generate. Other measures include recycling collection ‘islands’ around the city, discounts for shoppers who bring their own containers and banning disposable products at all city events. 1:33 Gender balanced companies outperform others – According to a BlackRock study of 1,250 of the world’s biggest companies. Over the past decade, the companies with the most equal gender balance achieved a 7.7% average annual return on assets (RoA). Those with the highest share of men delivered a 5.6% RoA, while those with the highest share of women returned a 6.1% RoA. The study concluded it was ‘diversity that counts’ rather than the dominance of a single gender. 3:08 US wants to convert empty offices into homes – The government will offer funding and technical support to help cities turn unused workspaces into affordable apartments. US office vacancy rates have hit a 30-year peak as more staff clock in to work remotely. Meanwhile, rents in the country remain at historic highs after a surge during the pandemic converting offices to apartments can be challenging. 4:48 Rwanda and Kenya open borders to other Africans – Rwanda and Kenya have made significant strides in promoting African unity by opening their borders to other Africans, enabling visa-free travel for all citizens of the continent. This move positions Rwanda as the fourth African nation to remove such restrictions, following Benin, The Gambia, and Seychelles. Kenya is set to join them on December 31, 2023. _____________________________________________ The World Economic Forum is the International Organization for Public-Private Cooperation. The Forum engages the foremost political, business, cultural and other leaders of society to shape global, regional and industry agendas. We believe that progress happens by bringing together people from all walks of life who have the drive and the influence to make positive change. World Economic Forum Website ► http://www.weforum.org/ Facebook ► https://www.facebook.com/worldeconomicforum/ YouTube ► https://www.youtube.com/wef Instagram ► https://www.instagram.com/worldeconomicforum/  Twitter ► https://twitter.com/wef LinkedIn ► https://www.linkedin.com/company/world-economic-forum TikTok ► https://www.tiktok.com/@worldeconomicforum Flipboard ► https://flipboard.com/@WEF #Davos #WEF23 #WorldEconomicForum

Published: 18th Nov 2023 05:10:25   By: World Economic Forum

World Economic Forum Video: State of Gen AI: Views from the Frontier

State of Gen AI: Views from the Frontier
Play Video: State of Gen AI: Views from the Frontier


One year has passed since generative AI started captivating the public imagination and making headlines across the globe. What are the key reflections from the year before and what are some of the emerging capabilities that will shape the future?

Published: 15th Nov 2023 08:21:12   By: World Economic Forum

Economic Video: Fed Chair Powell on rate cuts: 'We are prepared to tighten policy if it becomes appropriate'

Fed Chair Powell on rate cuts:
Play Video: Fed Chair Powell on rate cuts: 'We are prepared to tighten policy if it becomes appropriate'


Federal Reserve Chair Jerome Powell talked about regulators' interest rate outlook in a speech at Spelman College on Friday, calling rate cuts a "premature" notion currently. Chicago Booth Professor and Former Fed Governor Randall Kroszner highlights certain misconceptions on rate cuts being taken from Powell's comments as the Fed continues fighting toward its inflation target. "It's going to take a while to get anywhere close to 2%, and I don't think they're cutting any time in advance of getting very close to that 2% goal," Kroszner explains. #youtube #stockmarket #news Subscribe to Yahoo Finance: https://yhoo.it/2fGu5Bb About Yahoo Finance: Yahoo Finance provides free stock ticker data, up-to-date news, portfolio management resources, comprehensive market data, advanced tools, and more information to help you manage your financial life. Connect with Yahoo Finance: Check the latest news and data at finance.yahoo.com Follow Yahoo Finance on social: Connect with Yahoo Finance: Get the latest news: https://yhoo.it/2fGu5Bb Find Yahoo Finance on Facebook: http://bit.ly/2A9u5Zq Follow Yahoo Finance on Twitter: http://bit.ly/2LMgloP Follow Yahoo Finance on Instagram: http://bit.ly/2LOpNYz Follow Yahoo Finance Premium on Twitter: https://bit.ly/3hhcnmV

Published: 1st Dec 2023 09:39:54   By: Yahoo Finance

Economic Video: Tesla's Cybertruck and OpenAI's Tender Offer | Bloomberg Technology

Tesla
Play Video: Tesla's Cybertruck and OpenAI's Tender Offer | Bloomberg Technology


Bloomberg's Caroline Hyde and Ed Ludlow break down Tesla's release of the Cybertruck after years of development delays and manufacturing snags. Plus, OpenAI sticks with its plan of a tender offer, and X CEO Linda Yaccarino backs Elon Musk after his insults to brands backing away from the platform. -------- Like this video? Subscribe to Bloomberg Technology on YouTube: https://www.youtube.com/channel/UCrM7B7SL_g1edFOnmj-SDKg Watch the latest full episodes of "Bloomberg Technology" with Caroline Hyde and Ed Ludlow here: https://tinyurl.com/ycyevxda Get the latest in tech from Silicon Valley and around the world here: https://www.bloomberg.com/technology Connect with us on... Twitter: https://twitter.com/technology Facebook: https://www.facebook.com/BloombergTechnology Instagram: https://www.instagram.com/bloombergbusiness/

Published: 1st Dec 2023 10:02:38   By: Bloomberg Technology

Economic Video: Is X Toast? The aftermath of Elon Musk’s outburst to advertisers

Is X Toast? The aftermath of Elon Musk’s outburst to advertisers
Play Video: Is X Toast? The aftermath of Elon Musk’s outburst to advertisers


X is dealing with the aftermath of Elon Musk’s profanity-laced outburst against advertisers. The company’s CEO Linda Yaccarino has responded with a statement. Jake Ward joins to give his take on the fallout.  » Subscribe to MSNBC: http://on.msnbc.com/SubscribeTomsnbc Follow MSNBC Show Blogs MaddowBlog: https://www.msnbc.com/maddowblog ReidOut Blog: https://www.msnbc.com/reidoutblog MSNBC delivers breaking news, in-depth analysis of politics headlines, as well as commentary and informed perspectives. Find video clips and segments from The Rachel Maddow Show, Morning Joe, The Beat with Ari Melber, Deadline: White House, The ReidOut, All In, Last Word, 11th Hour, and Alex Wagner who brings her breadth of reporting experience to MSNBC primetime. Watch “Alex Wagner Tonight” Tuesday through Friday at 9pm Eastern. Connect with MSNBC Online Visit msnbc.com: http://on.msnbc.com/Readmsnbc Subscribe to the MSNBC Daily Newsletter: MSNBC.com/NewslettersYouTube Find MSNBC on Facebook: http://on.msnbc.com/Likemsnbc Follow MSNBC on Twitter: http://on.msnbc.com/Followmsnbc Follow MSNBC on Instagram: http://on.msnbc.com/Instamsnbc #MSNBC #ElonMusk #advertising

Published: 1st Dec 2023 04:55:21   By: MSNBC

Economic Video: Pfizer Stops Developing Weight-Loss Pill

Pfizer Stops Developing Weight-Loss Pill
Play Video: Pfizer Stops Developing Weight-Loss Pill


Pfizer stops developing its experimental weight-loss pill. More than half of patients in the study had to stop taking danuglipron due to nausea and vomiting, according to a statement Friday. The shares dropped 3.4% in trading before US markets opened.  Follow Bloomberg for business news & analysis, up-to-the-minute market data, features, profiles and more: http://www.bloomberg.com Connect with us on... Twitter: https://twitter.com/business Facebook: https://www.facebook.com/bloombergbusiness/ Instagram: https://www.instagram.com/quicktake/?hl=en

Published: 1st Dec 2023 12:40:15   By: Bloomberg Television

Economic Video: Dow notches year's highest close in banner month

Dow notches year
Play Video: Dow notches year's highest close in banner month


The Dow became the clear outperformer of US stock indexes on Thursday with a solid boost from Salesforce, which jumped 9.4% following the company's higher-than-expected profit forecast. 👉 Read the story here: https://reut.rs/3uFY08c Keep up with the latest news from around the world: https://www.reuters.com/ #wallstreet #dowjones #nasdaq #usstockmarket #usstocks #News #Reuters #newsfeed Subscribe: http://smarturl.it/reuterssubscribe Reuters brings you the latest business, finance and breaking news video from around the globe. Our reputation for accuracy and impartiality is unparalleled. Get the latest news on: https://www.reuters.com/ Follow Reuters on Facebook: https://www.facebook.com/Reuters Follow Reuters on Twitter: https://twitter.com/Reuters Follow Reuters on Instagram: https://www.instagram.com/reuters/?hl=en

Published: 1st Dec 2023 01:19:08   By: Reuters

Business Video: Debunking Trump's Bacon Claim

Debunking Trump
Play Video: Debunking Trump's Bacon Claim


Former President Donald Trump claims the price of bacon has quintupled in the Biden era. CNN senior reporter Daniel Dale breaks down why that’s not true.

Published: 1st Dec 2023 07:57:37   By: CNN

Business Video: 'Go f**k yourself': Hear Elon Musk's message to advertisers abandoning X


Play Video: 'Go f**k yourself': Hear Elon Musk's message to advertisers abandoning X


Elon Musk, in his first interview with mainstream media since his antisemitic post on X, apologized for what he called his "dumbest" ever social media post. But he lashed out at advertisers leaving his platform because of rising antisemitism on X. Dana Hull, Bloomberg's Elon Musk reporter, joins Erica Hill to discuss. #CNN #News

Published: 30th Nov 2023 02:15:00   By: CNN

Business Video: 'Trading turds': Billionaire investor Charlie Munger's best one-liners from over the years


Play Video: 'Trading turds': Billionaire investor Charlie Munger's best one-liners from over the years


Billionaire investor Charlie Munger, vice-chairman of Berkshire Hathaway and long-time friend to Warren Buffett, was known for his quick wit and funny one-liners. Munger died on November 28 at 99 years old. Here are a few of his best zingers from over the years. #cnn #news #charliemunger #warrenbuffett #berkshirehathaway

Published: 29th Nov 2023 09:59:38   By: CNN

Business Video: Sam Altman returns to OpenAI in a bizarre reversal of fortunes

Sam Altman returns to OpenAI in a bizarre reversal of fortunes
Play Video: Sam Altman returns to OpenAI in a bizarre reversal of fortunes


Sam Altman has agreed to return to lead OpenAI, the company said on X, just days after his surprise ouster as chief executive sparked an employee revolt that threatened to undermine what has been the leading company in the fledgling artificial intelligence industry. #CNN #News

Published: 22nd Nov 2023 06:42:40   By: CNN

Business Video: Why the US government is still working with Elon Musk amid antisemitic comments

Why the US government is still working with Elon Musk amid antisemitic comments
Play Video: Why the US government is still working with Elon Musk amid antisemitic comments


CNN's Kristin Fisher dives into why the US government has not stopped funding Elon Musk's companies SpaceX and Starshield despite the growing backlash from his antisemitic comments. #cnn #News

Published: 22nd Nov 2023 02:09:55   By: CNN

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