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    Maslow’s hierarchy of needs and conventional wisdom both suggest that love is a fundamental human need. A survey conducted in 2013 found that 77% of people considered it “very important” to have their smartphones with them at all times.


    Credit card consolidating

    In the best-case scenario, the consumer would open the card during a promotion at a “teaser rate.” This rate is low, sometimes zero percent, and lasts only for a promotional period, say 12 months.

    New legislation has caused creditors to require higher minimum payments (so that consumers pay off debts in a timely fashion).

    Credit card debt can quickly become overwhelming; it’s too easy to take on more credit card debt than is affordable.

    For certain borrowers, credit card debt consolidation is a smart strategy to manage debt.

    If you have enough cash left over after subtracting expenses from income, consolidation will be presented along with other options. How do you know if a debt management plan will work in your favor?

    When a counselor is knowledgeable and compassionate, these sessions can be enlightening and motivating. If he or she acts bored, judgmental or pushy, request a different counselor. First, the bulk of your balances should be in unsecured debts, such as credit and charge cards, personal loans and, sometimes, collection accounts.

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