Archive for the ‘Debt Counseling’ Category.

Latest Debt Counseling News

Guy With USELESS Degree From 965-A-Year College Is REALLY SAD About His
(RELEVANT: Forty Percentage Of Student Loan Debtors Concept Of Should They Got Mandatory Loan Guidance). “So, however unaware of my total financial obligation, I went on for a bioethics master’s degree to bolster my odds of stepping into a great Ph.D. system,” Garner …
Read more on Day-to-day Caller

Research: Many Start Thinking About Taking Out your own Loan
Your own loan is actually an unsecured type of debt, indicating the funds aren’t supported by a secured item such as for instance a home or car, and contains a set payment term. There’s no collateral requirement, and that’s why the mortgage includes mortgage that’s frequently …
Find out more on Fox Business

Toronto Credit Counseling Firm Helps Record Number of Students Avoid Debt Crisis

Toronto Credit Counseling Firm Helps Record Number of Students Avoid Debt Crisis
(Newswire.net — December 24, 2015) Brampton, Ontario — Arvinder Kalsey, of Business Solutions and Credit Counselling Services (BSCC) in Ontario is pleased to announce that in the past year nationwide they have helped a record number of students pay …
Read more on Newswire

Marc A. Hebert’s Money Sense: Some options when you just can’t cover all of
Of course it will take you longer to repay the debt and add to the interest costs, but your ability to make the monthly payment might be more important at this point. … Credit counselors will contact your creditors and attempt to negotiate on your …
Read more on The Union Leader

Ohio teen’s message continues to draw attention to struggles
Leelah’s selfies and poignant messages on social media hit home among many transgender people. Her case has helped raise attention both nationally and in her home region. Activists say counseling and other services have been expanded in Cincinnati.
Read more on WRGT TV Fox 45

Effective Counseling

As with coaching, it is just as crucial that you understand the individual you’re speaking with. The result are going to be way more significant if the conversation is tailored towards individual. Even more important though is understanding your staff member’s power to receive criticism. Some individuals welcome criticism openly, as they understand it is only made to improve performance. Unfortunately, people only can’t stand becoming informed that they are maybe not doing some thing correctly.

Whenever counseling a worker, it is vital to convey that you’re just wanting to correct or enhance a behavior or an action, you aren’t assaulting them as a person in any way. The easiest way to do this is to just discuss just the action in question. It is advisable to avoid using directed words like “you”, or saying other staff members opinions about the action, because that makes the discussion about the worker rather than the behavior.

Its much simpler to counsel an employee on an action than a behavior without rendering it appear to be an attack. Here is a good example of efficient coaching the behavior of a worker that can not show up to the office timely. (everyone have these!!):

Manager-“Sally, I became going right through our time-clocks the other day and saw which you just weren’t capable of making it promptly for 3 of the changes. Is everything OK?”

Sally- “Well, you have got myself planned at 3:00, and I escape college at 2:30, therefore sometimes it’s very hard to get here on time.

Manager-“OK, i am aware. The availability i’ve on declare you informs me that one may work beginning at 3:00. I compose my schedules according to the things I have. Regrettably, I also have to schedule breaks or even interviews around my floor protection. A week ago, the assistant manager needed to stay late two times to cover the breaks that went late on those days.”

Sally-“Yeah, I am very sorry. I didn’t understand that getting here a couple of minutes late really changed such a thing. Is it feasible for me personally to change my access? I am aware i’ll not be belated easily are planned at 3:30 and sometimes even 4:00.”

Manager-“OK. We are able to improve your access. Today, we noticed you were top sales last week….think you are able to do it once more?!”

Sally-“truly, we already have a client coming in for a huge purchase later on today!”

Manager-“Awesome! thank you for sitting down beside me, I am pleased everything is OK.”

This supervisor performed a good task of maintaining the conversation towards lateness and not in regards to the worker. It had been great they started by providing the employee an opportunity to give an explanation for behavior. They explained the effects of this behavior, as well as offered the employee an alternative to correct the behavior. As constantly, you need to thank the worker when planning on taking enough time to talk to you, and whenever you can, end on an optimistic note. It’s likely that this worker left the conversation experiencing some relieved that they do not have to hurry plenty, which you might be simple to keep in touch with.

Suggestion- we let all staff members understand when they start that i will be a huge advocate of mentoring and counseling. I tell them they’ll get both positive and negative feedback whenever essential. At that time we explain to all of them, that whatever style of feedback we give, it’s about their performance only and never private. Staff members don’t like surprises, should you this and in actual fact give consistent coaching and counseling you’ll have an extremely efficient and faithful group!

Foe much more great articles, kindly consider http://retailbizblog.blogspot.com

Related Financial Obligation Counseling Articles

Money and relationships

Graham Wallas, c1920s
debt counseling
Image by LSE Library
Professor of Political Science 1914-1923

Extracts from ‘Portraits from the Past: Graham Wallas: 1858-1932,’ by W.A. Robson from LSE Magazine, May 1971, No41, p.5

‘The son of an Anglican clergyman, he went to Shrewsbury and then to Corpus Christi College, Oxford, where he read classics. His first post was as a schoolmaster at Highgate School but he left after a few years on a question of religious conformity. He then became an extension lecturer in London University in 1890. He joined the Fabian Society in its early days and wrote one of the original Fabian Essays. As a friend and colleague of the Webbs and Bernard Shaw he played a leading part in the creation and development of LSE from the day of its conception in August 1894, at the farm near Godalming where the four were staying, until the end of his active life. He was a lecturer at the School from 1895 and later became its first Professor of Political Science…Wallas was much greater as teacher than as a writer. As H.G Wells remarked in his Autobiography, ‘the London School of Economics will testify how much the personal Graham Wallas outdid the published Graham Wallas…there is scarcely any considerable figure among the younger generation of publicists who does not owe something to his slow, fussy, mannered, penetrating and inspiring counsels.’ Of his own debt Wells wrote ‘I cannot measure justly the influence of the disinterested life he led on my own. It was I think very considerable.’ Many of us who were his students and friends feel a similar debt. No small part of Wallas’ influence was due to his lovable personality and the spirit of benevolence and altruism which shone through him at all times.’

Excerpt from reminiscences of former staff. ‘LSE Material on the history of the School’ LSE Archives ref R(S.R)1101, p.119:

Florence Mare on Graham Wallas,

‘Of all the lecturers I think the most beloved was that great man Graham Wallas. He was a born teacher: his simplicity of illustration, his enthusiasm for his subject, his profound analysis of causes made a deep impression on all who attended his lectures in political science. Essays set by him had to be forthcoming no matter which others got left undone! On the completion of a course of lectures which he gave many years afterwards at B’ham Univ I remember him standing stock still, dumfounded at the thunderous burst of applause that came from the audience. Then he softly murmured ‘thank you.’

IMAGELIBRARY/272
Persistent URL: archives.lse.ac.uk/dserve.exe?dsqServer=lib-4.lse.ac.uk&a…

Money and relationships
Pustaver is a certified consumer credit counselor, housing counselor, divorce mediator and is working toward becoming a certified student loan debt counselor. All of her credentials were obtained through the National Foundation for Credit Counseling …
Read more on Green Bay Press Gazette

The Death of the Traditional Debt Relief Industry for Now
All the data shows that the demand for debt relief is just plain down. Blaming external forces, other than just basic economic data, for a decrease in demand for credit counseling, debt settlement, or bankruptcy help is just misdirected. Of course all …
Read more on Huffington Post

Counseling For Tinnitus

The frustration that comes from suffering from a hearing loss like tinnitus can be overwhelming. You are angry, overwhelmed and just want it to stop. All of this could cause a decline in your quality of life, if you allow it to. Rather than allowing this to happen, you may want to focus on treatment options that can help you, such as counseling.
 
Counseling for me? No Way!
 
The word counseling may have a number of people up in arms. Counseling often means expressing feelings and sitting on a long couch…that is not necessarily, what you have to do here. Counseling can be a wonderful tool to help sufferers of tinnitus to get some relief. It can work in several ways.
 

Tinnitus worsens through stress. Stress can make the condition unbearable or cause it to be more dramatic. Counseling is a fantastic way to learn to avoid stress. You can get those feelings out, talk about situations you are experiencing and find solutions to problems. Stress relief is a good way to reduce the severity of your symptoms.
Counseling can help you to deal with this hearing loss. Hearing is one of the senses that people just cannot give up easily. It is as difficult to deal with hearing loss as a loss of sight or the loss of a limb. Therefore, most people need some counseling to learn to cope with their condition.
Avoid depression. As implied earlier, tinnitus is a serious condition and a blow to the self-esteem. It is life changing and life crippling to some. Depression happens to many people. Counseling can help you to avoid depression, which can become life threatening in some individuals.

Some forms of counseling can help to work as a treatment, too. This is a natural way to relieve tensions in some people. As you will learn, there may not be a medicated cure for tinnitus, but there are methods to helping individuals to overcome the condition that are all natural and holistic. Do invest the time in getting this type of help.
 
Counseling Help: Working With A Professional
 
As you can see, there are benefits to getting counseling. For those who are ready to start seeing some results, the first step is to find a trusted counselor and talk to them. Choose someone familiar with your condition. Work with them to answer your questions and find holistic treatments that help you to find relief and understanding.
 
Many individuals with tinnitus see relief from their condition when they use counseling as a treatment option. Consider what it can offer to you.

John Currie is a tinnitus expert who, together with his wife Ellen, provides Free Tinnitus Counseling and advice for tinnitus patients via their Toll Free Tinnitus Support Line at 800 314 2910 .

http://bit.ly/-DEBT-Counseling Click here to receive Free Debt counseling from professional who Eliminated ,407 Of Unsecured Debt In Only 45 Days

Specialists Are Available Monday to Friday from 9 am to 7 pm EST to provide with free Debt counseling if you own ,000 or more of debt.

Since 2000, CuraDebt has been helping individuals and small business owners find peace of mind and debt counseling solutions to the stress of financial challenges.

Debt counseling
Free debt Counseling

If you are individual looking for a debt conseling solution, have a business with debt, or want to settle delinquent debts with lump sum, we will give you a free counseling to see what the besp option is for you.

http://www.youtube.com/user/debtcounseling101
https://en.wikipedia.org/wiki/Credit_counseling‎

Company will provide you with professional debt counseling for free and explore your options as best as possible. You may be one step from solutions. We deal with debt issues for past 13 years and we can help by providing free debt counseling and decreasing your payments. Team of professionals are waiting for you on other phone line.

The goal of this debt counseling is to help obtain the best possible payment plan, offer in compromise or other solution for your debt relief.
Call debt counseling to learn more about the program and to see if you qualify.

CuraDebt is one of the industry’s leading financial crisis companies working with debt counseling and for the past ten years they have specialized in providing debt solutions for individuals and small businesses. Not only are they well established in the industry with debt counseling, but they are highly regarded and recommended by their customers. The representatives at CuraDebt work hard to understand your unique situation and provide tailored solutions designed to help you get back on track. Before you read on about the many awards that CuraDebt has earned over the years, you should also know that they offer a money-back guarantee. If you are not satisfied with the service you receive, you will be offered the full amount of your money back. A lot of great companies offer a money-back guarantee, and it shows how confident they are in their services.

CuraDebt is a member in good standing of AFCC, the largest and oldest association of debt counseling relief companies..

In order to be a member of AFCC, a company has to follow a stringent set of requirements, disclosures as well as maintain them through continual review of great debt counseling.

In order to qualify you for any of our programs a Cura Debt counseling, will listen to your situation, and with their years of experience in the industry make the right recommendation your unique situation requires. Give us a call today to find out if you qualify for our Performance Based Debt Resolution Program, where fees are earned as your debts are resolved with proper debt counseling.
Video Rating: / 5

Related Debt Counseling Articles

Latest Debt Counseling News

Federal government needs some debt counseling
In Thursday’s story about the upcoming deadline for raising the debt limit, Treasury Secretary Jacob Lew was quoted as saying it would be irresponsible to allow the deadline to lapse. His reasoning, “We will be operating on a cash basis. Some days we …
Read more on Sun Sentinel

Debt counseling expert says student loan crisis is a “ticking time bomb”
WEST SENECA, N.Y. (WIVB) – The CEO of the nation’s largest nonprofit credit counseling agency is sounding the alarm about the student loan crisis. Susan Keating is President of the National Foundation for Credit Counseling (NFCC), and pointed to …
Read more on NEWS10 ABC

Couples Counseling

In conjoint or couples counseling, therapists should maintain a neutral stance between the clients and also as to outcome. Not all therapists agree with this, and others cannot maintain neutrality, if they are not aware of their biases.

In relationships, “There are neither villains nor victims, only colluders and collaborators.” This doesn’t mean one spouse may not be a victim of abuse, but on a psychological, often unconscious level, victims’ self-esteem or past may keep them from setting boundaries. Often people being criticized or abused minimize the problem or don’t even recognize it as such, but instead withdraw from their partner sexually or emotionally. In therapy, they can learn to value themselves and set appropriate boundaries.

If there’s physical or emotional abuse, the therapist must address this first, and should encourage prevention and the safety of the injured person. Sometimes, a therapist may spend time and empathize with the angrier, withholding, or abusive client, to the dismay of their more cooperative partner. This is because the therapist is trying to engage the more resistant spouse, who might be averse to therapy. Getting them to open up and talk also helps to reduce their maladaptive behavior. They need to learn to express their feelings appropriately and control their anger.

Many clients expect there should be no conflict. This is unrealistic in any relationship. Also, couples may only feel safe to express their fears or angry feelings in the context of therapy. They need conflict resolution skills and to learn to communicate and resolve conflict before it escalates into a fight – skills that may never have been learned, particularly in intimate relationships. Therapists teach listening skills, assertive communication, and how to identify needs and feelings, set boundaries, and problem-solve.

Frequently, the symptom is not the problem. Issues that clients’ aren’t aware of may eventually surface and need to be addressed. In any intimate relationship, there are always at least six people involved:  The couple and two sets of parents. Sometimes a sibling or grandparent plays an important emotional role, and in today’s family structure, there are often step-parents, too.

The past is usually at play when couples are very reactive to one another, and have trouble learning to communicate better. They may be “enmeshed” emotionally and need individual support or therapy to separate their thoughts and feelings from one another. Deeper work may be indicated around issues of autonomy, intimacy, trust, and fears of being smothered, controlled, or abandoned. Our early childhood is when we learn lessons about intimate relationships.

All people project past experiences onto present situations when there is an emotional trigger. Whether from childhood or past adult trauma, talking about these experiences in a safe counseling environment together with your partner engenders vulnerability and trust between the two of you. When you realize that your partner’s motivations aren’t personal to you, you can drop your defenses and begin to empathize. You can then see your partner as vulnerable, rather than as an adversary, and good faith and good will can return.

Bio:Darlene Lancer is a Marriage and Family Therapist and author of “Codependency for Dummies.” She’s an expert, consultant and speaker on relationships, addiction, and codependency. Her office is in Santa Monica, CA, where she has helped individuals and couples for 25 years.

Find More Debt Counseling Articles

Crisis Counseling

In practices, counselors will more than once encounter a crisis situation. However, counseling research shows that majority of them are not ready to handle such crisis situation despite the fact that they will encounter them in their practice (James, 2008). There are three phases that counselors go through in handling crisis. These include identification and preparedness for the crisis, crisis intervention and recovery (Everly and Lating, 2004). In preparation and identification phase, counselors must be able to detect the occurrence of the crisis long before it occurs and get prepared to handle it. In crisis intervention, counselors must be aware of the best practices to handle the crisis while post crisis recovery will include counselors’ recovery from traumatic experience after the crisis. The way counselors respond to different crisis differs. Although there are many crises that counselors encounter, client violence, client suicide, or personal losses like death of a family member. Client violence is most common in counseling. Counselors must be able to assess clients for violence because it does not occur spontaneously but rather as an unfolding sequence of interrelated events and crisis episode is a single part of those events (McAdams and Keener, 2008).

Once the counselors detect behaviors which could lead to violence, the counselor must act fast through support network and other avenues to avert the violence. In addition, the counselor must act to ensure the client recover from the violence. Personal suicide is also common. In this case, the counselor must look for signs that could lead to suicide (McAdams and Keener, 2008).

Once client has committed suicide, the counselor may suffer from regret, self-blame, depression and others and therefore must seek support from supervisor. Personal loss differs from the two crisis mentioned above in that the counselor my not be in a position to detect the crisis before it happens. This means that what the counselor can do is to offer counseling supports towards recovery. In this case, support network becomes important for both the client and the counselor. From the above comparison, I have concluded that counselors need to be aware and ready of crisis that can occur in their practices. They should be able to contact their supervisors immediately for support especially when they feel that they are not in a position to handle the crisis.

The author is associated with Best Term Papers. The author will assist you with Quality Term Paper Writing Assistance.

More Debt Counseling Articles

Career Counseling

 

Explore your area of career interest.

Professional success comes through efficient career planning, development and management. Avail the benefits of company training programs. Learn to believe yourself!

While performing your job responsibilities, believe in what you do and try to give your best, this will help you become an asset to the company. Build yourself an excellent reputation and exercise a good network and PR. 

Health is wealth: so to efficiently handle the work pressure at the workplace, you need to be fit both physically and mentally. Maintain a healthy eating habit, exercise regularly and derive strength from recreational, social or spiritual activities. You also need to have a clear and focused mind without indulging in drugs and alcoholic beverages.

This is the most effective way to have a successful career and choose Careers in demand. Keep negative people at bay. At the workplace, you will meet people hailing from a variety of backgrounds. Learn to get along with each and every one well. Keep away from people who suffer from negativity. Surround yourself with positive people and stay motivated and inspired.

Keep thinking about how to enhance your career. Keep your attitude right and seek appropriate guidance, this will certainly lead your career to success. Keep the following points in mind while you walk the career path.

•Self Discipline: Prepared to practice self discipline both for your professional as well personal life. As a young professional you must know that self discipline is sacrifice. Stay focused on career objectives trying to finish the given assignment, rather than leaving it to be completed at the weekend.

Self discipline is a great virtue. If you are really interested in enhancing your career growth, you should be in a continuous pursuit of knowledge or get some good advice/career counseling services.

•Sincerity: This is one of the most important ingredients for life enhancement. This means you need to be entirely dedicated to completing your task. Work should never be treated as a second priority. That’s why it is important to choose your career assessment wisely. Your work should be your hobby. Learn not to blame others for your incomplete work. Share your knowledge; it is a part of showing your sincerity to your employer.

•Apply for a career coaching irrespective of you being a job seeker, a fresh college graduate, student or an older work. It brings immense benefits. There are coaches in all fields like dancing, acting , music, painting etc. Through effective career coaching, you can unlock your talents, skills and aptitude and use the same to obtain success in your professional careers. 

Recognizing a career coach

He is a trained professional who can give you expert advice and guidance. He will adhere to your dreams and aspirations. Through his expertise he can help you develop your career goals, plan out an effective strategy and achieve success through a step-by-step planning. These coaches are expertly trained to use multiple career resources and tools that can help you achieve your goals and aspirations.

You are in need of a career coach when you are planning to develop an effective strategy to obtain your professional goals. Even when you are seeking a career transition or a career change, you might need the expert services of a coach.

A career coach is helpful as he will help you to achieve and analyze your career and perceive your way to success

Analyze your current career situation
Determine your actual requirements
Unlock your hidden potential
Develop new skills and identify you skills, talents, aptitude, values
Develop strategies to achieve your career goals
Enhance performance and maximize results
Accelerate your job search

Declare your major is leading personal advisory program provides track to finding a college major and career track that matches your skills and preferences. Also provides services like choose college major, college major lists and how to achieve College major rankings .

Do you have credit or debt issues? You are not alone. Money Management International offers free budget and debt counseling to those who need help with budgeting, money management skills, and credit issues. Certified counselors take the time to thoroughly understand your situation and provide you with specific advice. Wondering if credit counseling is the right choice for you? Watch this video to learn more about the solutions MMI offers.
Video Rating: / 5

Find More Debt Counseling Articles

Grief Counseling Process

Varied structures and line of attacks to goal and outcomes of the grief counseling and therapy process are what the professionals believe. It is not only individuals who are grieving, but the complete family. That is what Janice Winchester told to grief counselors and therapist. The relationship within the family will influence one’s actions and feedbacks.

The session of grief counseling and grief therapy should be done in confidential rooms, like mental health clinics, churches, synagogues, chemical dependency inpatient and out-patient programs, schools, universities, and funeral home aftercare programs. An adult or youthful service location for criminal offenders is also suitable for private counseling.

Healing preferences involve individual, couple, and family. The session will take roughly one hour or longer for individual sessions. The counseling is being offered once, twice, or several times a month depending on how seriously the incident affect to the target.

Grief counselors don’t use standard method or approach. They utilize their own procedures and mostly they use techniques that suit a particular person based on the individual’s conditions. Art and music therapy, meditation, creation of personalized rituals, journaling, communication with the deceased, role playing, and participating in support groups are what the counseling and therapy comprises.

Can you determine whether the counseling is effective or not? Yes! Listen to the comments from the clients or their family; behavior remarks, cerebral responses, symptom relief, and spiritual discussions should be observed accordingly. However, the grief drive may modify how one continues to manage and amend to loss since grief is a process not an event. A person will not become immune to future hardships for one loss or multiples losses.

There are four (4) components of grief counseling:

A. Knowledge of grief and expectations when grieving

In times of grief, people are expected some unweary feelings and thoughts. Here, people are taught how the normal grieving process goes.

B. Expression of Feeling

During the counseling, participants are encouraged to squeeze out their feelings. Oftentimes, people find their selves hard to express their thoughts; they are encouraged to cooperate through saying something about their loss.

C. Create new relationships

This component of counseling helps participants to acquire new relationship with the lost person. There will be incorporation of memories done in this component since memories usually remains for years.

D. Develop new identity

During the counseling, people are instilled on how work out a new meaning of self after a loss. A widow for instance, can start through joining with other women having tea every morning. If you lose your job, this component will teach you on how to regain confidence.

If you need some help with grief counselling Melbourne, be sure to contact the best counselling Melbourne specialists.

Related Debt Counseling Articles