rates by moving balances on to a loan which will charge a fixed rate of interest with fixed repayments. The wise move to make then is to cut up your cards and then just pay off the loan. So how many people actually do that? Having a clear credit card in your wallet is too tempting a thing to have now you are under the illusion of it being clear. Typically weÆll hang on to it æjust in case of emergencyÆ. Then a few months down the line we find it maxed out again, weÆre back where we were making the loan repayments and card payments with their high rates of interest again. The credit card debt consolidation cycle can repeat itself a few times before the consumer realises what they are doing,- by which time their overall debt has plunged so far into the red that itÆs a serious problem. In the worst cases payments will have been missed or made late so obtaining loans from established lenders will not be an option leaving debt management, bankruptcy or bad credit loans as the only options. This scenario û sometimes referred to as æthe middle class trapÆ is so commonplace that the question arises û ôWhy do the lenders allow it to happen?ö Recent reports have shown that some lenders are in fact very actively and aggressively engineering their customers to get into situations like this. Credit card debt consolidation is a very profitable line of business, not only for the high street banks but also for the independent lenders, bad credit loan companies and debt management companies. When someone has their credit card limit extended, or gets upgraded to a higher grade of card they feel special. They feel like theyÆve been accepted into an upper echelon now that their æfinancial statusÆ has been upgraded. They are made to feel that all of a sudden they can afford to spend more because they have more credit at their disposal. All the while the lenders know exactly how much they have to spend, how much they earn, how much their outgoings are and exactly how far they can be stretched. Credit card debt consolidation is best done onto another card with a period of 0% APR giving you the chance to pay off the premium amount and not interest. Of course you will have to exercise extreme discipline to avoid the middle class trap if you are to be successful. The alternatives to forming your own debt busting plan will only cost you a lot more in the long run and keep you in debt for longer than you need to be. The most effective and self serving way to do it is to make your own
piece
is
an
abstract
triptych
that
I
found
while
I
was
in
Atlanta
buying
religious
paintings
The
piece
was
called
Guardian
Angel
and
I
love
it
My
patrons
fell
in
love
with
it
as
well
They
have
asked
me
to
track
down
the
artist
and
see
if
he
has
anymore
religious
paintings
available
The
only
religious
paintings
that
I
actually
do
not
buy
are
ones
that
reflect
the
image
of
Jesus
on
the
cross
I
don’t
have
a
problem
with
them
some
of
them
are
extremely
well
done
and
would
more
than
likely
sell
well
but
my
investors
made
it
very
clear
when
they
financed
the
gallery
that
I
would
not
put
that
image
into
it
PPPPP
683
Ajello
Candles
The
motto
of
the
Ajello
Candle
Company
is
“It’s
better
to
light
a
candle
than
to
curse
the
darkness”
This
candle
making
company
has
been
in
business
since
1775
The
business
has
been
family
owned
for
seven
generations
The
candles
from
Ajello’s
are
well
known
for
their
beauty
and
quality
While
they
make
more
candles
now
than
in
1775
their
dedication
to
quality
and
to
customers
has
never
changed
The
Ajello
Candle
Company
was
founded
by
Rafael
Ajello
an
Italian
painter
He
was
also
a
beekeeper
so
he
tried
his
hand
at
using
bees
wax
to
create
candles
He
worked
hard
to
create
a
formula
that
worked
well
The
formula
combined
with
his
outstanding
artistic
ability
lead
to
the
birth
of
the
Ajello
Candle
Company
In
1785
the
company
earned
the
honor
of
creating
all
the
candles
for
the
Vatican
He
and
his
wife
ran
the
business
keeping
their
children
involved
in
the
processes
from
an
early
age
As
time
went
on
their
children
and
grandchildren
kept
the
business
running
as
well
as
passed
the
family
business
on
to
their
children
By
1862
the
company
had
established
itself
as
a
leader
among
the
candle
making
industry
They
had
also
added
perfumes
and
many
.
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