Debt Relief:Proposal - Revision history

Melia04 at 17:47, 14 December 2004

2004-12-14T17:47:34Z

← Older revision		Revision as of 13:47, 14 December 2004
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	[[Debt Relief\|Debt Relief Page]]		[[Debt Relief\|Debt Relief Home Page]]
	==Introduction==		==Introduction==
	Living in a capitalistic society can bring both joy and grief. The ability to choose between a $10 sweater and a $100 sweater is a privilege. We have been brainwashed to think that more is better, regardless of what more is. Our society is largely commercialized. We are bombarded with subliminal messages, urging us to buy and buy and buy; and many of us do just that. We buy without knowing how we are going to pay. We live above ours means trying to keep up with the neighbors. The cost of living increases but our income seems to stay the same. It is virtually impossible to avoid going into debt. In our diverse society, we have one basic commonality: ''debt''. Debt can be controlled, but we all need to understand it and learn to avoid whenever possible.		Living in a capitalistic society can bring both joy and grief. The ability to choose between a $10 sweater and a $100 sweater is a privilege. We have been brainwashed to think that more is better, regardless of what more is. Our society is largely commercialized. We are bombarded with subliminal messages, urging us to buy and buy and buy; and many of us do just that. We buy without knowing how we are going to pay. We live above ours means trying to keep up with the neighbors. The cost of living increases but our income seems to stay the same. It is virtually impossible to avoid going into debt. In our diverse society, we have one basic commonality: ''debt''. Debt can be controlled, but we all need to understand it and learn to avoid whenever possible.

Melia04 at 17:45, 14 December 2004

2004-12-14T17:45:28Z

← Older revision		Revision as of 13:45, 14 December 2004
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			[[Debt Relief\|Debt Relief Page]]
	==Introduction==		==Introduction==
	Living in a capitalistic society can bring both joy and grief. The ability to choose between a $10 sweater and a $100 sweater is a privilege. We have been brainwashed to think that more is better, regardless of what more is. Our society is largely commercialized. We are bombarded with subliminal messages, urging us to buy and buy and buy; and many of us do just that. We buy without knowing how we are going to pay. We live above ours means trying to keep up with the neighbors. The cost of living increases but our income seems to stay the same. It is virtually impossible to avoid going into debt. In our diverse society, we have one basic commonality: ''debt''. Debt can be controlled, but we all need to understand it and learn to avoid whenever possible.		Living in a capitalistic society can bring both joy and grief. The ability to choose between a $10 sweater and a $100 sweater is a privilege. We have been brainwashed to think that more is better, regardless of what more is. Our society is largely commercialized. We are bombarded with subliminal messages, urging us to buy and buy and buy; and many of us do just that. We buy without knowing how we are going to pay. We live above ours means trying to keep up with the neighbors. The cost of living increases but our income seems to stay the same. It is virtually impossible to avoid going into debt. In our diverse society, we have one basic commonality: ''debt''. Debt can be controlled, but we all need to understand it and learn to avoid whenever possible.

Glucas: /* Teams and Responsibilities */

2004-11-18T23:12:48Z

Teams and Responsibilities

← Older revision		Revision as of 19:12, 18 November 2004
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	==Teams and Responsibilities==		==Teams and Responsibilities==


	There will be a total of three teams (A,B, and C). The three teams will have a specific task each week, but will rotate the weekly task between researcher, typist, and editor. This way, each team will have the opportunity to conduct each aspect of the project. Each team will have a “Team Leader”, which will be elected by the team members. There may be a different Team Leader each week if the team so desires.		There will be a total of three teams (A,B, and C). The three teams will have a specific task each week, but will rotate the weekly task between researcher, typist, and editor. This way, each team will have the opportunity to conduct each aspect of the project. Each team will have a “Team Leader”, which will be elected by the team members. There may be a different Team Leader each week if the team so desires.

	The task:		The task:
	The researchers will look up each particular week’s topics which are outlined in the tentative schedule.		* The researchers will look up each particular week’s topics which are outlined in the tentative schedule.
	The typers will consist on extracting relevant information done by the researchers and typing it down to be turned in to the “editors”.		* The typers will consist on extracting relevant information done by the researchers and typing it down to be turned in to the “editors”.
	The editors will then organize the information and revising it for any possible errors; whether it be grammatical or informational. In addition, the editors will be responsible for turning in a hard copy of the work to the coordinators.		* The editors will then organize the information and revising it for any possible errors; whether it be grammatical or informational. In addition, the editors will be responsible for turning in a hard copy of the work to the coordinators.
	The Team Leader will be responsible for the team’s progress.		* The Team Leader will be responsible for the team’s progress.
	The coordinators will facilitate the process by offering advice, helping with any task, and being the liaison between the teams and the professor.		* The coordinators will facilitate the process by offering advice, helping with any task, and being the liaison between the teams and the professor.

	The class has split into groups and has been assigned specific areas of research to include:		The class has split into groups and has been assigned specific areas of research to include:

	~~<li>~~ Statistical data		* Statistical data
	~~<li>~~ Debt Consolidation		* Debt Consolidation
	~~<li>~~ Financial planning and budgeting		* Financial planning and budgeting
	~~<li>~~ Bankruptcy		* Bankruptcy
	~~<li>~~ Credit counseling		* Credit counseling
	~~<li>~~ Collection agencies		* Collection agencies

	==Request For Authorization==		==Request For Authorization==

	Being in debt should never be taken lightly. Whether it be a small department store credit card to an outstanding home loan; essentially, both are the same- the balances need to be paid-off in order for those things to be yours. As prices rise, interest rise, and salaries stagger, it has never been so crucial to understanding what debt really means. In the mist of the depth of these statistics, however, there is hope. This report will be an informational tool as well as an applicable one. Being able to differentiate between a “good” debt and a “bad” debt can be the difference between buying the home of your dreams or renting an apartment. Should bankruptcy even be an option? Is there such a thing as being “debt-free” now a days? What is the best budgeting strategy for me? These and endless other questions can be answered in our report. This is why we are asking for authorization for our project. So that in the darkness of debt collector’s dinner time calls, there may be someone who may benefit from the information.		Being in debt should never be taken lightly. Whether it be a small department store credit card to an outstanding home loan; essentially, both are the same- the balances need to be paid-off in order for those things to be yours. As prices rise, interest rise, and salaries stagger, it has never been so crucial to understanding what debt really means. In the mist of the depth of these statistics, however, there is hope. This report will be an informational tool as well as an applicable one. Being able to differentiate between a “good” debt and a “bad” debt can be the difference between buying the home of your dreams or renting an apartment. Should bankruptcy even be an option? Is there such a thing as being “debt-free” now a days? What is the best budgeting strategy for me? These and endless other questions can be answered in our report. This is why we are asking for authorization for our project. So that in the darkness of debt collector’s dinner time calls, there may be someone who may benefit from the information.

Jfigueroa: /* Proposal */

2004-11-18T22:36:39Z

Proposal

← Older revision		Revision as of 18:36, 18 November 2004
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	==Proposal==		==Proposal==

	Debt Relief is intended to lead people in the right direction to assist those plagued with poor money management. The information provided will cover topics such as financial planning, debt consolidation, credit reports, and bankruptcy. Realistic answers will be offered for questions asked when debt is overwhelming. Web sites will be listed to allow those interested to review the services offered. Information will be gathered from credit counseling services, financial planning institutions and collection agencies. Alternatives to debt will be discussed as well. The intent of "Debt Relief" is to inform the reader of the options available when there is a need to get out of debt and control spending.		Debt Relief is intended to lead people in the right direction and to assist those plagued with poor money management. The information provided will cover topics such as financial planning, debt consolidation, credit reports, and bankruptcy. Realistic answers will be offered for questions asked when debt is overwhelming. Web sites will be listed to allow those interested to review the services offered. Information will be gathered from credit counseling services, financial planning institutions and collection agencies. Alternatives to debt will be discussed as well. In addition, an original survey will conducted on debt. The intent of "Debt Relief" is to inform the reader of the options available when there is a need to get out of debt and control spending.

	==Tentative Schedule==		==Tentative Schedule==

Jawelch: /* Introduction */

2004-11-17T00:06:22Z

Introduction

← Older revision		Revision as of 20:06, 16 November 2004
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	==Introduction==		==Introduction==
	Living in a capitalistic society can bring both joy and grief. ~~Being able~~ to choose a $~~100~~ sweater ~~over~~ a $10 sweater is a privilege. We have been brainwashed to think that more is better, regardless of what more is. Our society is largely commercialized. We are bombarded with subliminal messages, urging us to buy, buy, and buy; and many of us do just that. We buy without knowing how we are going to pay. We live above ours means trying to keep up with the neighbors. ~~Prices rise~~ but our ~~wages seem~~ to stay the same. It is virtually impossible to avoid going into debt. In our diverse society, we have one basic commonality: ''debt''. Debt can be controlled, but we all need to understand it and learn to avoid ~~too much of it~~. This report will address the aspects of debt from different perspectives. It will address getting into debt and options for getting out of debt. This report will be informative and can be used by thousands of people searching for an understanding of debt and a way out.		Living in a capitalistic society can bring both joy and grief. The ability to choose between a $10 sweater and a $100 sweater is a privilege. We have been brainwashed to think that more is better, regardless of what more is. Our society is largely commercialized. We are bombarded with subliminal messages, urging us to buy and buy and buy; and many of us do just that. We buy without knowing how we are going to pay. We live above ours means trying to keep up with the neighbors. The cost of living increases but our income seems to stay the same. It is virtually impossible to avoid going into debt. In our diverse society, we have one basic commonality: ''debt''. Debt can be controlled, but we all need to understand it and learn to avoid whenever possible.

			This report will address the aspects of debt from different perspectives. It will address getting into debt and options for getting out of debt. This report will be informative and can be used by thousands of people searching for an understanding of debt and a way out.

	==Background==		==Background==

Glucas: /* Tentative Schedule */

2004-11-12T00:28:30Z

Tentative Schedule

← Older revision		Revision as of 20:28, 11 November 2004
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	==Tentative Schedule==		==Tentative Schedule==

	Week 1: Oct. 26 & 28		===Week 1: Oct. 26 & 28===
	Research:		Research:
	Reasons for getting into debt		* Reasons for getting into debt
	Distinguish between “good” debt and “bad” debt		* Distinguish between “good” debt and “bad” debt
	Statistical information about debt; the average American debt, the correlation between age and debt, the average number of years it takes to “get out” of debt., and any inferences about the direction the country, as a whole, is heading when it comes to debt		* Statistical information about debt; the average American debt, the correlation between age and debt, the average number of years it takes to “get out” of debt., and any inferences about the direction the country, as a whole, is heading when it comes to debt

	Week 2: Nov. 2 & 4		===Week 2: Nov. 2 & 4===
	Research:		Research:
	Debt relief agencies		* Debt relief agencies
	The pros and cons		* The pros and cons
	Consequences of getting involved with such an agency		* Consequences of getting involved with such an agency
	Distinguish between a credible agency and a bogus one		* Distinguish between a credible agency and a bogus one
	Thing to consider when contemplating going to a debt relief program		* Thing to consider when contemplating going to a debt relief program

	Week 3: Nov. 9 & 11		===Week 3: Nov. 9 & 11===
	Research:		Research:
	Financial planning		* Financial planning
	Budgeting		* Budgeting
	Places that offer these services- private and public		* Places that offer these services- private and public
	Credit ratings: what do they mean		* Credit ratings: what do they mean

	Week 4: Nov. 16 & 18		===Week 4: Nov. 16 & 18===
	Research:		Research:
	Alternatives to debt		* Alternatives to debt
	Managing debt		* Managing debt
	Being “debt-free” as an option		* Being “debt-free” as an option
	Staying debt-free		* Staying debt-free

	Week 5: Nov. 23 (the 25th is a holiday)		===Week 5: Nov. 23 (the 25th is a holiday)===
	Research:		Research:
	Options to becoming “debt free”		* Options to becoming “debt free”
	Bankruptcy		* Bankruptcy
	Improving your credit rate		* Improving your credit rate

	Week 6: Nov. 30 & Dec. 2		===Week 6: Nov. 30 & Dec. 2===
	Revise and make corrections as needed.		* Revise and make corrections as needed.

	~~Week 7: Dec. 7 & 9~~
	~~Turn in project~~.

			===Week 7: Dec. 7 & 9===
			* Turn in project.

	==Teams and Responsibilities==		==Teams and Responsibilities==

Glucas: /* Introduction */

2004-11-12T00:26:24Z

Introduction

← Older revision		Revision as of 20:26, 11 November 2004
Line 1:		Line 1:
	==Introduction==		==Introduction==
	Living in a capitalistic society can bring both joy and grief. Being able to choose a $100 sweater over a $10 sweater is a privilege. We have been brainwashed to think that more is better, regardless of what more is. Our society is largely commercialized. We are bombarded with subliminal messages, urging us to buy, buy, and buy; and many of us do just that. We buy without knowing how we are going to pay. We live above ours means trying to keep up with the ~~Jones'~~. Prices rise but our wages seem to stay the same. It is virtually impossible to avoid going into debt. In our diverse society, we have one basic commonality~~- DEBT~~. Debt can be controlled, but we all need to understand it and learn to avoid too much of it. This report will address the aspects of debt from different perspectives. It will address getting into debt and options for getting out of debt. This report will be informative and can be used by thousands of people searching for an understanding of debt and a way out.		Living in a capitalistic society can bring both joy and grief. Being able to choose a $100 sweater over a $10 sweater is a privilege. We have been brainwashed to think that more is better, regardless of what more is. Our society is largely commercialized. We are bombarded with subliminal messages, urging us to buy, buy, and buy; and many of us do just that. We buy without knowing how we are going to pay. We live above ours means trying to keep up with the neighbors. Prices rise but our wages seem to stay the same. It is virtually impossible to avoid going into debt. In our diverse society, we have one basic commonality: ''debt''. Debt can be controlled, but we all need to understand it and learn to avoid too much of it. This report will address the aspects of debt from different perspectives. It will address getting into debt and options for getting out of debt. This report will be informative and can be used by thousands of people searching for an understanding of debt and a way out.

	==Background==		==Background==

Amysolen: /* Proposal */

2004-11-09T17:27:50Z

Proposal

← Older revision		Revision as of 13:27, 9 November 2004
Line 9:		Line 9:
	==Proposal==		==Proposal==

	~~These pages titled "~~Debt Relief~~" are~~ intended to lead people in the right direction ~~when help is needed in~~ money management. The information provided will cover topics such as financial planning, debt consolidation, credit reports, and bankruptcy. Realistic answers will be offered for questions asked when debt is overwhelming. Web sites will be listed to allow those interested to review the services offered. Information will be gathered from credit counseling services, financial planning institutions and collection agencies. Alternatives to debt will be discussed as well. The intent of "Debt Relief" is to inform the reader of the options available when there is a need to get out of debt and control spending.		Debt Relief is intended to lead people in the right direction to assist those plagued with poor money management. The information provided will cover topics such as financial planning, debt consolidation, credit reports, and bankruptcy. Realistic answers will be offered for questions asked when debt is overwhelming. Web sites will be listed to allow those interested to review the services offered. Information will be gathered from credit counseling services, financial planning institutions and collection agencies. Alternatives to debt will be discussed as well. The intent of "Debt Relief" is to inform the reader of the options available when there is a need to get out of debt and control spending.

	==Tentative Schedule==		==Tentative Schedule==

Amysolen: /* Teams and Responsibilities */

2004-11-09T17:24:33Z

Teams and Responsibilities

← Older revision		Revision as of 13:24, 9 November 2004
Line 68:		Line 68:
	The class has split into groups and has been assigned specific areas of research to include:		The class has split into groups and has been assigned specific areas of research to include:

	 Statistical data		<li> Statistical data
	 Debt Consolidation		<li> Debt Consolidation
	 Financial planning and budgeting		<li> Financial planning and budgeting
	 Bankruptcy		<li> Bankruptcy
	 Credit counseling		<li> Credit counseling
	 Collection agencies		<li> Collection agencies

	==Request For Authorization==		==Request For Authorization==

	Being in debt should never be taken lightly. Whether it be a small department store credit card to an outstanding home loan; essentially, both are the same- the balances need to be paid-off in order for those things to be yours. As prices rise, interest rise, and salaries stagger, it has never been so crucial to understanding what debt really means. In the mist of the depth of these statistics, however, there is hope. This report will be an informational tool as well as an applicable one. Being able to differentiate between a “good” debt and a “bad” debt can be the difference between buying the home of your dreams or renting an apartment. Should bankruptcy even be an option? Is there such a thing as being “debt-free” now a days? What is the best budgeting strategy for me? These and endless other questions can be answered in our report. This is why we are asking for authorization for our project. So that in the darkness of debt collector’s dinner time calls, there may be someone who may benefit from the information.		Being in debt should never be taken lightly. Whether it be a small department store credit card to an outstanding home loan; essentially, both are the same- the balances need to be paid-off in order for those things to be yours. As prices rise, interest rise, and salaries stagger, it has never been so crucial to understanding what debt really means. In the mist of the depth of these statistics, however, there is hope. This report will be an informational tool as well as an applicable one. Being able to differentiate between a “good” debt and a “bad” debt can be the difference between buying the home of your dreams or renting an apartment. Should bankruptcy even be an option? Is there such a thing as being “debt-free” now a days? What is the best budgeting strategy for me? These and endless other questions can be answered in our report. This is why we are asking for authorization for our project. So that in the darkness of debt collector’s dinner time calls, there may be someone who may benefit from the information.

Amysolen: /* Introduction */

2004-11-09T17:21:56Z

Introduction

← Older revision		Revision as of 13:21, 9 November 2004
Line 1:		Line 1:
	==Introduction==		==Introduction==
	Living in a capitalistic society can bring both joy and grief. Being able to choose a $100 sweater over a $10 ~~one~~ is a privilege ~~precious to many us~~. We have been brainwashed to think that more is better, regardless of what more is. Our society is largely commercialized. We are bombarded with subliminal messages, urging us to buy, buy, and buy; and many of us do just that. We buy without knowing how we are going to pay. We live above ours means trying to keep up with the ~~Jones’ s~~. Prices rise but our wages seem to stay the same. It is virtually impossible to avoid going into debt. In our diverse society, we have ~~in common~~- DEBT. Debt can be controlled, but we all need to understand it and learn to avoid too much of it. This report will address the aspects of debt from different perspectives. It will address getting into debt and options for getting out of debt. This report will be informative and can be used by thousands of people searching for an understanding of debt and a way ~~out……~~.		Living in a capitalistic society can bring both joy and grief. Being able to choose a $100 sweater over a $10 sweater is a privilege. We have been brainwashed to think that more is better, regardless of what more is. Our society is largely commercialized. We are bombarded with subliminal messages, urging us to buy, buy, and buy; and many of us do just that. We buy without knowing how we are going to pay. We live above ours means trying to keep up with the Jones'. Prices rise but our wages seem to stay the same. It is virtually impossible to avoid going into debt. In our diverse society, we have one basic commonality- DEBT. Debt can be controlled, but we all need to understand it and learn to avoid too much of it. This report will address the aspects of debt from different perspectives. It will address getting into debt and options for getting out of debt. This report will be informative and can be used by thousands of people searching for an understanding of debt and a way out.

	==Background==		==Background==