Journey of a Debtor

Confession on many years- I am one of the “many” people that don’t want to have a hide and seek game with a lender just by not paying what I have borrowed. Afraid and unbrave. Totally frightening.

That is why I have to make my own version of that phobia and if there’s one term sinking in my brainpower; clearly I call it “owephobia”. Sounding like a nowhere, useless and nonsense but I have to make one. I recognize a lot who were in trouble with kind of issues and I must say that’s rigidly demoralizing. You have to change phone numbers to stay away from your lender calling you; hide inside your cabinet or in your rest room, always somewhere away from home etc. And if unlucky get called or seen, answer her or on the phone and ask for grace period. Then establish alibis on the next. Payment of more important dues-dues for your “credit card”, tuition payments for your kids though you’re single, “room” rental and worst, you may include your family into your alibi, knocking on woods.
That was before.

In a boogie wonderland, I took the courage to expand my vistas and have this lending institution be my first experiment and what a bombshell. Not to evidently mention its rationale, I borrowed some thousands in this company. The phobia’s probability of winning is 75. I have no option than rather of getting into hold up or robbery which will make me a torment. That is totally awful. I know I cannot pay for it till the due but I needed it very important. The thing is I actually foresee that I will bankrupt if I might be paying all including its interest. I will be on a negative. That goes to another phobia on bankruptcy which I will call it “bankruphobia”, sounding better.

Being a student in “remedial law”, I decided to use part of the money putting in a business. That was actually ¼ of the principal. I have to eat less, have fasting and even walk going home just for saving. Not efficient because I am addicted to food, I applied in a debt protection offered by the bank itself. It was a wow considering the insurance they gave. But the proposal is in fact not useful for my life, my life of a life. The offer is debt relief in case of death, disability, unemployment and hospitalization. The loan payment will be cancelled with no penalty, added interest, or being reported as delinquent to the credit department when one of the covered events occurs. Well, I call myself an insurance debtor again because I am being insured for my debt on my death. Insurance debt on my death is such a hilarious thing. I had to go on suicide to avail but was more afraid. I thought of going in the center of the road and get hit and if not die, be disabled just to have it. I will be thinking for less. And soon I will not think.

I got into a new thinking of stealing some knowledge of experts just like Steve Jobs and other millionaires. That information theft is no successful or I may say not applicable to me. I borrowed money again, thousands and thousands. I went into a paid to click sites, networking, dollar investment, trade and much more. I was successful. I got the millions but I spent trillions. Still in debt, still a debtor. And I was in debt with like 200 persons/corporations. I was very afraid of insolvency. But more than that is being put into jail and will not see someone very special. Sad times, I will live as a dead person.

But I applied my brains which are not yet eaten by zombies. I used now my financial accounting and business strategic management which I well-read years ago. I decided to get into another loan and have bigger loans. That was worth gazillions. I added the capital to my business and applied for debt consolidation. It is just taking out a single loan to pay off many others. I secured the loan against my remaining resources and served as collateral. I got the best idea and tactic and successfully paid all of it.

Now, I own much more than others own if not most. And if they own for millions, I own gazillions. I can buy the biggest and even the brightest, the supreme and even the wrathfulness. But one thing I cultured in this precious experience is the desire to achieve something in a carefully planned, efficiently examined and strategically made decisions.

Because being in debt is not always in downgraded side of life. The debtor will in time be the lender, and the lender will be twice as in debt in due time. It’s because sometimes, being in debt will make you think and act for the difference.

And that’s probably the reason why owephobia and bankruphobia is not in the dictionary.

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Exciting Car Insurance Offers for Women

Statistically, the number of car accidents varies and it is also observed that there is a continuous increase from year to year. Car insurance is cheaper for women than of men as women deemed cause lesser damage.

As per statistics, the number of women involved in accidents is lesser compared to men. With this, insurance companies make fewer assertions, enabling insurers to pay them with lower premiums. Nowadays, it is very easy to find the best car insurance for women because of this fact. As per some regulations, it is defined that gender should not be the basis for calculating the cost of insurance. But on the contrary, men are deemed more expected to propel very quickly and recklessly than women. This only means they get prone to major accidents and eventually will lead to higher paying.

Many insurance companies provide women’s vehicle insurance which offers variety of advantages and services specially designed for women. They have certain policies that are full of benefits encompassing free Handbag and Contents cover up to some amount, progeny chair covers up to some other amount that protects your children’s accessories, buggies and progeny car chairs. Car insurance for women is as equally important as for men. Men usually pay for higher insurance. This determines that car insurance for ladies can be easily availed due to lower payment premium. Remember that car insurance companies are in the business for risk evaluation. When they hand over a certain insurance principle, they desire to understand the potential for deficiency down the line. The auto protection providers rely on statistics and facts and figures to assess the risk of any given customer. And even when ladies make an assertion, they are usually for minor bumps and therefore tend to be cheaper than those by male drivers. While most women can attest to having only minor bumps or accidents, some companies also conduct tests and evaluations on women to determine risks.

Insurance companies offer several benefits and one of them are free cover for childcare accessories in the vehicle. Further discounts are also available if you’re preceding named driving experience was acquired some car’s protection policy. They furthermore offer a variety of optional extras, such as defending no assertion discount and enhanced courtesy vehicle along with the car insurance for women.

When it comes to car insurance, it is comforting to understand that their optional breakdown service prioritizes those in a susceptible position. And because the companies understand that buying vehicle insurance won’t be the most exciting thing, they will give an assortment of large discounts and offers at large-scale title shops, bistros and leisure amenities when you become the customer. If the insured woman’s handbag is stolen with car keys in it then some of these companies arrange and pay for the lost locks to be replaced with some defined amount as per policy. If your vehicle breaks down or is unsafe to drive following a car accident, then these organizations organized for recovery of the damaged vehicle to a suitable repairer or to your home.
Know more benefits offered by car insurance companies.

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