My brother is not the most fiscally responsible person around. Whenever he gets his paycheck, paying off bills is the last thing on his mind. He would rather go out and have fun with his friends or do just about anything else than satisfy his creditors. As a result, his credit rating is less than ideal, and this has impacted his ability to access resources that would help him get out of debt. For example, he wouldn’t be able to qualify for any secured loans or remortgages since he doesn’t have anything that can be used as collateral, so he has pretty much resigned himself to living in debt.
But it doesn’t have to be that way! I’ve been reading a lot of information about loans and other forms of financial help, and I’ve seen enough to know that no case is entirely hopeless. There are plenty of institutions out there that are willing to provide poor credit loans or unsecured loans to people who may not have property or collateral, but meet other minimum requirements.
I think the best thing for my brother to do — and others like him that might be in similar situations — is to talk to a credit specialist and find out exactly which options are open to them. People might be surprised at all the proactive things they can do to help get out of debt now!
St. Jude Children’s Research Hospital is an organization that I wholeheartedly believe in, and I try to support them in many different ways. Whether it’s spreading awareness via my blogs or making an outright donation, I get a lot of satisfaction out of being able to help — no matter how small the gesture.
I haven’t liked an M. Night Shyamalan movie since 1999′s The Sixth Sense, yet I keep watching and watching in the hopes that he’ll regain the form that once catapulted him to Hollywood golden boy status. I know that some people would say that his recent movies are every bit as good (or perhaps even better) than The Sixth Sense, but I definitely don’t feel that way. So when I heard that The Lady in the Water received bad reviews, I wasn’t surprised. And yet, I felt compelled to watch nevertheless.