Get Help From Maple Leaf Debt Helpers

The economic situation in Canada is struggling to make progress and pull through from the terrible economic nightmare in the country’s history. And in the meantime, millions of Canadians all over the country are still held-up in debt and looking for ways to get rid of their overwhelming debt. Fortunately, the country has sufficient resources to provide debt relief to this struggling section of the society. There are solutions and alternatives provided by some institutions that recognize the predicament of the millions of people in this sad and unfortunate situation. With the proper channel to the right institutions willing to help, it is never too late to take back the reins and gain back control of their lives out of misery.

The key is doing some due diligence on where to get help to ease your burden. The right professionals should be able to draw a restructuring plan for your debt repayments in such a way that it will strangle your financial resources and not leave any for other basic needs. You need to find the right institution and people who will exert an effort to understand the appropriate option you can take to gradually get to the road to freedom from debt. And such is what is offered by Maple Leaf Debt Helpers, one of the country’s recognized authority when it comes to matters of debt consolidation.

And since each person’s debt situation is unique and different, there could be no uniform way of formulating methods to stay out of debt. The experts in debt consolidation will devise a plan that is specifically suited to your situation, needs and requirements. Getting rid of debt is a long-term goal involving a long-term process. And such process should have taken into consideration the over-all impact in your life as a whole. Imagine tying up a big bulk of your income to debt repayment scheme which in essence will practically send you to bankruptcy. This kind of assistance or relief is not the kind that is sensitive to the difficulties faced by people in debt like you.

Their expertise is on debt consolidation. This means that Maple Leaf Debt Helpers can help you work out your accumulated debts to be consolidated under one payment only. This can be done by availing a loan, the amount of which will cover all the existing debts including the corresponding interests. So instead of making multiple payments to multiple debtors, you only pay to one debtor. The advantage this method offers is a much lower monthly loan repayment as it will be structured based on your financial capability and this kind of loan has a low interest rate. To protect their interests, the lending institution will require a collateral against the loan and the loan tenor will be longer.

Debt consolidation is not the only available and possible way to manage your debt. Other alternatives are consumer proposal and debt settlement, both of which require help from the professionals. As a start, it will be best to avail of the credit counseling services if offered since this process will provide you with a better picture of how you stand financially considering all your debts against your income. The credit counselors will evaluate and determine your economics and offer solutions on how your debt situation can be relieved. Knowing these basics is important in making a decision as to which option may work best considering your circumstances.

A Culture of Generosity - What Burning Man & the Internet Have in Common

I'm blown away. I have been in a phase of spending most of the day everyday glued to my laptop screen navigating the fruitful landscapes of the web. Yes, we all know that there is an overwhelming array of cool content hanging out there in this virtual net in 'cyberspace'.

What is blowing me away is how much valuable advice and informative gifts everyone is giving away! For a while I was roving around like a greedy bandit gathering a bunch of educational treasure and stashing it my computer and mind. Now I am intentional and discerning in my gathering. Sure, a lot of the free gifts are dangling carrots luring people onto newsletters and hopefully into paying for products and services. But, I am glad to be on these newsletter lists and know about the offerings available to me.

It reminds me quite a bit of the 'gift culture' at Burning Man. (for those who don't know, BM is a huge participatory week long costume party in the Nevada Desert- an experimental visionary artistic explosion with very few rules, one of them being not to sell things, only barter and gifts)

It takes a while getting used to, having people giving to you without expecting money. Giving affirms that you are abundant and sets goodwill in motion, which does come back to you. It is really profound to free ourselves from the paper chase and cultivate another kind of economy, based on a creative currency. Innovation, Information and Inspiration become a valuable currency, in the desert, on the web, and in the world that we are building.

The generosity factor is taking the Competition to Cooperation equation one step further. Yes, we need to be less divisive and competitive and learn to cooperate with each other more. Cooperation is something that can (and should be) taught in schools and workshops. There is another level beyond this though. A level at where you recognize interconnectedness and interdependence as more real and more important than your personal identity or agenda. Where you see personal success and happiness is tied into community and collective success, and thus you have an inherent motivation to contribute to others. Generosity is a natural extension for someone who understands Oneness on an experiential level.

In fact the measure of a great person in many tribal societies is one who is the most generous, and one who leaves a legacy. At Burning Man I see people pour thousands of dollars, and countless hours of visioning and hard work into their theme camp, an art car, a fire opera, a sound stage, etc... This is not an investment that gives back to them in a tangible sense, and so from a business perspective it makes no sense. But since our culture has strayed very far from the model of giveaway and leaving a legacy of generosity, I think it is healing and transformative for people to invest so much into a gift and then give it to an appreciative community. Many go so far as to allow their thousands of dollars and months of work to go up into flames, as a part of the ritual of the offering.

That reminds me of the tradition of Tibetan sand painting where monks make these incredibly intricate, elaborately beautiful paintings out of colored sand, only to scatter them to the winds as an offering to impermanence. Some see impermanence as a reason to despair, consume, and basically take all that they can get. Others see it as the reason to get busy giving the gift that you came to this world to give.

"You make a living by what you get. You make a life by what you give." -- Winston Churchill

In this incredible time, life's banquet tables offer us a taste of anything and everything. May we sample the fruits of others with gratitude. May we concoct our own masterpiece to bring to the potluck. (after all, it isn't a dinner party in our honor, it is a potluck in everyone's honor) The world is full of abundant tables and empty tables and full nets of the mind and empty canvases. My wish is that you find a fit place to offer your gifts, to live your calling with generosity, and to leave a legacy.

2 Simple Ways to Identify a Bargain From Your Real Estate Investment

Most people spend their time wondering when the real estate market is good to enter and purchase real estate based on some friend's recommendations. Others are more emotional and buy real estate on their whim and fancy. Such ideas may work sometimes but are not very reliable indicators on when to enter and exit the real estate market. Thus this article highlights a 2 step process to analyze your real estate investments.

Firstly, in real estate investing, just like in the stock market, there is readily available public data, which you can chart to determine if the real estate boom or bust is bottoming out. Like in any investment, try to purchase the instrument at the bottom of a cycle so that you gain on the rebound. Similarly take the rental yield cycle into consideration when you do your maths to determine whether the property is worth acquiring since you want to ensure that you have enough monthly rental to cover your mortgage installments even in the leanest of rental periods.

The best way to analyze this real estate investment analysis is to look at charts and data with regards to the relevant data. You want to look and examine in which part of the real estate cycle, your prospective real estate property lies in and how the rentals are doing in your potential real estate investment. Thus after this analysis, you will know where the pricing of your real estate investment is heading and plan accordingly.

Secondly, after analyzing statistical data, go down to a real estate agents office and talk to them and ask them about their outlook for the real estate investment sector that you are interested in investing in and ask them for indicators of good rental yield in terms of location and whether any events or developments would help to increase rental yields in an area. If for instance they know that a new business district is slated for development next to your prospective purchase, you want to know that too as it would mean a huge jump in price of acquisition and rental yields and a huge gain in your real estate investment.

Always spend some time planning what information you want to get out of the real estate agent before you go down and always know what type of real estate investment property so that you can save his and your time when you view properties. After a while you will get a rough sense of the property prices in an area and when you see a bargain property investment you will know it's the right one for you.

In conclusion, we have highlighted two ways to identify a bargain from your real estate investment in this article. Spend some time this week looking at your next real estate investment deal and perhaps it might turn out to be a bargain.