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        <title>A Top 30 Stream of Precept Financial Press Releases (in OGG format) via PRWeb</title>
        <link>http://www.prwebpodcast.com</link>
        <description>A Top 30 Stream of Precept Financial Press Releases (in OGG format) via PRWeb</description>
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        <webMaster>podMaster@emediawire.com</webMaster>
        <pubDate>Sun, 06 Jul 2008 03:03:29 -0700</pubDate>
        <category>Precept Financial</category>
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        <itunes:subtitle>A Top 30 Stream of Precept Financial Press Releases (in OGG format) via PRWeb</itunes:subtitle>
        <itunes:summary>A Top 30 Stream of Precept Financial Press Releases (in OGG format) via PRWeb</itunes:summary>
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          <itunes:email>podEditor@emediawire.com</itunes:email>
          <itunes:name>PR Web</itunes:name>
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        <itunes:author>PRWeb</itunes:author>
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                        <title>Help for Consumers and Small Businesses: How to Create a Financial Snowball Effect to Pay Off Debt ASAP </title>
                        <link>http://www.prweb.com/releases/debt_consolidation/credit_card_debt/prweb433619.htm</link>
                        <comments>http://www.prweb.com/releases/debt_consolidation/credit_card_debt/prweb433619.htm</comments>
                        <description>In the last five years, the total amount of credit card debt in the US has increased to more than $700 Billion.  Financial management is not taught in public schools. Precept Financial Solutions presents one of the best solutions to debt management, which is also a proven, highly effective approach to personal and small business financial management. For one to one help go to <a href="http://www.preceptfinancial.com/freeconsultation.html" onclick="linkClick( this.href );"  target="_blank" title="personal or business credit card debt help">personal or business credit card debt help</a>. [PRWeb Sep 7, 2006]</description>
                        <guid>http://www.prweb.com/releases/debt_consolidation/credit_card_debt/prweb433619.htm</guid>
                        <pubDate>Wed, 13 Sep 2006 14:47:57 -0700</pubDate>
                        <author>podcrew@extrahoop.com</author>
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                        <content:encoded><![CDATA[(PRWEB) September 7, 2006 -- In the last five years, the total amount of credit card debt in the US has increased to more than $700 Billion.  There has also been an increase in bankruptcy filings.  Understanding how to best manage credit card debt has become increasingly important.  The key to managing troublesome credit card debt is by building your own financial snowball effect.



Through personal savings, a financial snowball effect is the result of consistently setting aside a budgeted monthly amount into an interest bearing savings or money market account.  &#8220;Typically when someone wants to create a financial snowball effect, they review their spending activity and find that the amount they are able to save is greater than the actual amount they have been saving,&#8221; says Russell Yarbrough, Managing Director of debt counselor Precept Financial Solutions.  See  <a href="http://www.preceptfinancial.com/freeconsultation.html" onclick="linkClick( this.href );"  target="_blank" title="debt services, debt consolidation, debt settlement">debt services, debt consolidation, debt settlement</a>.

Most people simply do not save as much as they are actually able.  &quot;By increasing the original savings amount, sometimes substantially, the ability to pay off debt in a quicker time frame improves greatly,&quot; says Yarbrough.  &quot;Generally after people compare their needed spending to their actual spending, they find additional opportunities to save.&quot;

By increasing deposit amounts and utilizing higher interest bearing accounts, personal savings will mature at an accelerated rate.  Larger savings returns provide benefits by expediting debt payoff or even as a buffer for emergencies or achieving long-term goals.  For an individual debt analysis, click <a href="http://www.preceptfinancial.com/freeconsultation.html" onclick="linkClick( this.href );"  target="_blank" title=" individual debt analysis"> individual debt analysis</a>.

Other benefits of implementing the financial snowball approach to personal finances include: becoming accustomed to living on less revenue, building a habit of making a monthly savings deposit also known as paying yourself first, and learning to track and monitor the growth of personal funds. 

&#8220;We consistently see the snowball effect work for both individuals as well as businesses.  Precept Financial helps consumers and small businesses manage and ultimately avoid burdensome debt accumulation by offering information, continuing education, and personal coaching throughout the duration of our debt resolution services,&#8221; says Yarbrough. 

For a personal debt analysis or to further understand available debt reduction options, simply click <a href="http://www.preceptfinancial.com/freeconsultation.html" onclick="linkClick( this.href );"  target="_blank" title="personal debt analysis">personal debt analysis</a>.

Precept Financial&#8217;s &#039;Customer First&#039; program for client service is setting industry standards. To see how Precept Financial can assist individual cases of credit card or unsecured debt problems, easily go to <a href="http://www.preceptfinancial.com/freeconsultation.html" onclick="linkClick( this.href );"  target="_blank" title="personal debt consultation with a Precept Debt Specialist">personal debt consultation with a Precept Debt Specialist</a>.

For information on how to best control credit card debt before it controls you,  go to <a href="http://www.preceptfinancial.com/press_releases.htm" onclick="linkClick( this.href );"  target="_blank" title="Precept Financial Resources">Precept Financial Resources</a>.  See the five step plan and example that Precept has... To read the press release in full goto http://www.prweb.com/releases/debt_consolidation/credit_card_debt/prweb433619.htm]]></content:encoded>
                        <itunes:author>Jeannie Lewis</itunes:author>
                        <itunes:subtitle>Help for Consumers and Small Businesses: How to Create a Financial Snowball Effect to Pay Off Debt ASAP </itunes:subtitle>
                        <itunes:summary><![CDATA[(PRWEB) September 7, 2006 -- In the last five years, the total amount of credit card debt in the US has increased to more than $700 Billion.  There has also been an increase in bankruptcy filings.  Understanding how to best manage credit card debt has become increasingly important.  The key to managing troublesome credit card debt is by building your own financial snowball effect.



Through personal savings, a financial snowball effect is the result of consistently setting aside a budgeted monthly amount into an interest bearing savings or money market account.  &#8220;Typically when someone wants to create a financial snowball effect, they review their spending activity and find that the amount they are able to save is greater than the actual amount they have been saving,&#8221; says Russell Yarbrough, Managing Director of debt counselor Precept Financial Solutions.  See  <a href="http://www.preceptfinancial.com/freeconsultation.html" onclick="linkClick( this.href );"  target="_blank" title="debt services, debt consolidation, debt settlement">debt services, debt consolidation, debt settlement</a>.

Most people simply do not save as much as they are actually able.  &quot;By increasing the original savings amount, sometimes substantially, the ability to pay off debt in a quicker time frame improves greatly,&quot; says Yarbrough.  &quot;Generally after people compare their needed spending to their actual spending, they find additional opportunities to save.&quot;

By increasing deposit amounts and utilizing higher interest bearing accounts, personal savings will mature at an accelerated rate.  Larger savings returns provide benefits by expediting debt payoff or even as a buffer for emergencies or achieving long-term goals.  For an individual debt analysis, click <a href="http://www.preceptfinancial.com/freeconsultation.html" onclick="linkClick( this.href );"  target="_blank" title=" individual debt analysis"> individual debt analysis</a>.

Other benefits of implementing the financial snowball approach to personal finances include: becoming accustomed to living on less revenue, building a habit of making a monthly savings deposit also known as paying yourself first, and learning to track and monitor the growth of personal funds. 

&#8220;We consistently see the snowball effect work for both individuals as well as businesses.  Precept Financial helps consumers and small businesses manage and ultimately avoid burdensome debt accumulation by offering information, continuing education, and personal coaching throughout the duration of our debt resolution services,&#8221; says Yarbrough. 

For a personal debt analysis or to further understand available debt reduction options, simply click <a href="http://www.preceptfinancial.com/freeconsultation.html" onclick="linkClick( this.href );"  target="_blank" title="personal debt analysis">personal debt analysis</a>.

Precept Financial&#8217;s &#039;Customer First&#039; program for client service is setting industry standards. To see how Precept Financial can assist individual cases of credit card or unsecured debt problems, easily go to <a href="http://www.preceptfinancial.com/freeconsultation.html" onclick="linkClick( this.href );"  target="_blank" title="personal debt consultation with a Precept Debt Specialist">personal debt consultation with a Precept Debt Specialist</a>.

For information on how to best control credit card debt before it controls you,  go to <a href="http://www.preceptfinancial.com/press_releases.htm" onclick="linkClick( this.href );"  target="_blank" title="Precept Financial Resources">Precept Financial Resources</a>.  See the five step plan and example that Precept has... To read the press release in full goto http://www.prweb.com/releases/debt_consolidation/credit_card_debt/prweb433619.htm]]></itunes:summary>

                        <itunes:category text="Kids &amp; Family" /><itunes:category text="Business" /><itunes:category text="Kids &amp; Family" />

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                        <title>The Pitfalls of Negotiating One&#039;s Own Debt Settlement </title>
                        <link>http://www.prweb.com/releases/2006/8/prweb420757.htm</link>
                        <comments>http://www.prweb.com/releases/2006/8/prweb420757.htm</comments>
                        <description>Since bankruptcy filings in the United States have grown by five times over the last 25 years, according to the Federal Reserve, &#8216;debt settlement&#8217; has become the popular alternative.  The question is: To negotiate one&#8217;s own settlement, or to seek professional debt settlement assistance? [PRWeb Aug 10, 2006]</description>
                        <guid>http://www.prweb.com/releases/2006/8/prweb420757.htm</guid>
                        <pubDate>Tue,  8 Aug 2006 15:21:33 -0700</pubDate>
                        <author>podcrew@extrahoop.com</author>
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                        <content:encoded><![CDATA[(PRWEB) August 10, 2006 -- As the number of bankruptcies filed has grown by five times over the last 25 years, according to the Federal Reserve, &#8216;debt settlement&#8217; has become the popular alternative.  The question is: To negotiate one&#8217;s own settlement, or to seek professional debt settlement assistance?



&#8216;Debt settlement&#8217; refers to the process of negotiation, as well as the mutually agreed upon lower-than-original settled amount. &#8220;In the face of financial hardship, should a consumer file bankruptcy, the creditor gets paid little if anything.  Through settlement, we can provide both creditors and debtors with workable solutions that are beneficial to both parties,&#8221; says Todd Hayes, Managing Director, Precept Financial Solutions, the first debt settlement company to be admitted to the American Bankers Association.  See <a href="http://www.preceptfinancial.com" onclick="linkClick( this.href );"  target="_blank">www.preceptfinancial.com</a>.

Some of the main pitfalls of negotiating one&#8217;s own debt are:

1)    Lack of Leverage of an Individual Against a Barrage of Creditor Companies: A debt settlement company&#8217;s status as a company and its relationships with creditors add strength to the company&#8217;s position in negotiating settlements on behalf of their clients.
2)    Needing to Get to the Right People: The chances of being transferred to the appropriate persons inside the creditor organization in a smooth and timely manner are low for the individual, and extremely frustrating.  A debt settlement company already has the contacts and goes straight through.
3)    Industry Jargon: Yesteryear, the use of terminology was not an issue.  Today, a debt settlement company has the advantage of being able to expedite the process by effectively using industry jargon, which comes only through experience.

Other pitfalls that Hayes says are, &quot; It is well known within the industry that the quality of one&#8217;s record-keeping can make the difference between a good settlement and a bad settlement.&quot;  Also, &quot;To suppose that one knows more than they do is the equivalent of someone picking up a sword for the very first time and challenging a professional swordsman to a duel.&quot;

To see a complete list of the ten pitfalls of trying to negotiate one&#039;s own debt, click here: <a href="http://www.preceptfinancial.com/press_releases.htm" onclick="linkClick( this.href );"  target="_blank" title="Precept Financial Articles">Precept Financial Articles</a>.   

Precept Financial is a leading debt assistance company dedicated to helping consumers and businesses with financial hardship in resolving unsecured debt.  Precept Financial works with creditors and collections agencies on the client&#8217;s behalf, to help find mutually agreeable solutions.  

For an individual personal or business debt solution analysis to help find one&#039;s best debt resolution option, please <a href="http://www.preceptfinancial.com/freeconsultation.html" onclick="linkClick( this.href );"  target="_blank" title="click here">click here</a>. 

The Precept Financial Solutions <a href="http://www.preceptfinancial.com/customer_care.html" onclick="linkClick( this.href );"  target="_blank" title="&#039;Customer First&#039;">&#039;Customer First&#039;</a> client service program has set industry standards.  To see how Precept Financial may be able to assist individual cases of credit card or unsecured debt problems, please <a href="http://messenger.providesupport.com/messenger/precept.html" onclick="linkClick( this.href );"  target="_blank" title="click here">click here</a>.  

By providing an effective alternative to... To read the press release in full goto http://www.prweb.com/releases/2006/8/prweb420757.htm]]></content:encoded>
                        <itunes:author>Jeannie Lewis</itunes:author>
                        <itunes:subtitle>The Pitfalls of Negotiating One&#039;s Own Debt Settlement </itunes:subtitle>
                        <itunes:summary><![CDATA[(PRWEB) August 10, 2006 -- As the number of bankruptcies filed has grown by five times over the last 25 years, according to the Federal Reserve, &#8216;debt settlement&#8217; has become the popular alternative.  The question is: To negotiate one&#8217;s own settlement, or to seek professional debt settlement assistance?



&#8216;Debt settlement&#8217; refers to the process of negotiation, as well as the mutually agreed upon lower-than-original settled amount. &#8220;In the face of financial hardship, should a consumer file bankruptcy, the creditor gets paid little if anything.  Through settlement, we can provide both creditors and debtors with workable solutions that are beneficial to both parties,&#8221; says Todd Hayes, Managing Director, Precept Financial Solutions, the first debt settlement company to be admitted to the American Bankers Association.  See <a href="http://www.preceptfinancial.com" onclick="linkClick( this.href );"  target="_blank">www.preceptfinancial.com</a>.

Some of the main pitfalls of negotiating one&#8217;s own debt are:

1)    Lack of Leverage of an Individual Against a Barrage of Creditor Companies: A debt settlement company&#8217;s status as a company and its relationships with creditors add strength to the company&#8217;s position in negotiating settlements on behalf of their clients.
2)    Needing to Get to the Right People: The chances of being transferred to the appropriate persons inside the creditor organization in a smooth and timely manner are low for the individual, and extremely frustrating.  A debt settlement company already has the contacts and goes straight through.
3)    Industry Jargon: Yesteryear, the use of terminology was not an issue.  Today, a debt settlement company has the advantage of being able to expedite the process by effectively using industry jargon, which comes only through experience.

Other pitfalls that Hayes says are, &quot; It is well known within the industry that the quality of one&#8217;s record-keeping can make the difference between a good settlement and a bad settlement.&quot;  Also, &quot;To suppose that one knows more than they do is the equivalent of someone picking up a sword for the very first time and challenging a professional swordsman to a duel.&quot;

To see a complete list of the ten pitfalls of trying to negotiate one&#039;s own debt, click here: <a href="http://www.preceptfinancial.com/press_releases.htm" onclick="linkClick( this.href );"  target="_blank" title="Precept Financial Articles">Precept Financial Articles</a>.   

Precept Financial is a leading debt assistance company dedicated to helping consumers and businesses with financial hardship in resolving unsecured debt.  Precept Financial works with creditors and collections agencies on the client&#8217;s behalf, to help find mutually agreeable solutions.  

For an individual personal or business debt solution analysis to help find one&#039;s best debt resolution option, please <a href="http://www.preceptfinancial.com/freeconsultation.html" onclick="linkClick( this.href );"  target="_blank" title="click here">click here</a>. 

The Precept Financial Solutions <a href="http://www.preceptfinancial.com/customer_care.html" onclick="linkClick( this.href );"  target="_blank" title="&#039;Customer First&#039;">&#039;Customer First&#039;</a> client service program has set industry standards.  To see how Precept Financial may be able to assist individual cases of credit card or unsecured debt problems, please <a href="http://messenger.providesupport.com/messenger/precept.html" onclick="linkClick( this.href );"  target="_blank" title="click here">click here</a>.  

By providing an effective alternative to... To read the press release in full goto http://www.prweb.com/releases/2006/8/prweb420757.htm]]></itunes:summary>

                        <itunes:category text="Kids &amp; Family" /><itunes:category text="Kids &amp; Family" />

                        <itunes:duration>00:15:00</itunes:duration>
                        <itunes:explicit>no</itunes:explicit>
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