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Catholic Credit Counseling

June 30th, 2010 admin No comments

Catholic Credit Counseling

The Blue Lion Goes Green

Ex-rally car drivers Andrew Carter and Spotti Woodhead tested the limits of the Peugeot 308 HDi’s fuel efficiency of their own accord, driving it from Kleinzee to Umhlanga on a single 60 liter tank of diesel. Achieving 1689.7km (3.4 liters per 100km), their effort is considered a phenomenal success.

The tree planting ceremony followed the recommendations of an independent audit (commissioned by Peugeot) by the Global Carbon Exchange (GCX) who measured the carbon footprint created by the drive and the activities leading up to and surrounding the event.

According to GCX, 6.18 tonnes of carbon dioxide (CO2) was emitted and as such, 18 trees would need to be planted to negate the effect to the environment.

Trees act as carbon sinks, trapping carbon during the natural process of photosynthesis. CO2 is absorbed by the tree during photosynthesis, and the carbon absorbed makes up much of the trees biomass.

The GCX have worked on the basis that a tree will absorb up to 500kg of CO2 over a 15 year period. They have also taken into account that almost 40% of the trees do not survive that 15 year period.

The trees were supplied by Food & Trees for Africa (FTFA), a non-governmental organization which aims to both improve the aesthetic appeal of urban landscapes and sequester CO2.

Peugeot have been involved with the Orange Farm community since 2002. They have partnered with local residents of Orange Farm Father Bourgeois Guido, founder of Inkanyezi and Philemon Tjeba, the new Project Director for the Inkanyezi Orange Farm Charity Fund to improve the lives of Orange Farm residents.
The initiative has already seen Peugeot build a community centre, a HIV/Aids testing and counseling centre and a crèche in various parts of the Orange Farm area.
While Peugeot did not initiate the development of the Thulamntwana facility – most of the funding has been provided by a French-based Catholic Church - Peugeot saw an opportunity to contribute by providing trees that would improve both the appearance of the facility and provide much needed shade and comfort to those who use it.

Still in the building stage of its development, once completed the facility will have a church, a crèche for children aged 2-5, a HIV/Aids centre which will provide counseling and anti-retrovirals, a sports ground and an after-school facility that will provide additional learning programmes to children from the surrounding schools. Skills development and education will also be included at a later stage.

For Father Guido, the trees will have a tremendous impact for the community who use the facility.

“They will add value to the property and provide shade for children and the people queuing outside the healthcare facility,” explains Guido. He continues, “I suppose I’m a bit Franciscan in my thinking, but watching another living organism grow alongside you has an effect on your wellbeing and cements the value of nature for the children.”

The white karee trees were specifically selected for their robustness in dry environments and their large foliage for additional shade. The ground-keepers are being taught how to care for the trees in a way that uses minimal water – a precious commodity in Orange Farm that can’t be wasted on excessive maintenance of the grounds.

The activities fit well with Peugeot’s environmental ethics, considering the 308 HDi’s lineage. It is a child of Peugeot’s Blue Lion strategy. Launched in 2007, Blue Lion was a consolidation of Peugeot’s numerous environmental initiatives that saw the creation of a standard by which their vehicles could be judged as environmentally friendly.

The strategy also encompasses many of Peugeot’s environmental activities, The creation of the HDi engine and Operation Carbon – a 40 year reforestation project of the 10 000 hectares of the Fazenda Sao-Nicolau region in the Amazon that will study the link between reforestation, carbon capture and biodiversity while absorbing some 7.32 million tonnes of CO2 a year – are just a few of the items on Peugeot’s green agenda.

Mike Wilson, marketing manager of Peugeot Motors South Africa, stated that, “Making the Coast2Coast event carbon neutral neatly compliments the efforts Peugeot designers went to when putting the 308 HDi on the road, which has a CO2 emissions level of 134g/km.”

CEO of GCX Kevin James commented on the importance of carbon emission monitoring and Peugeot’s approach to the Coast2Coast event, “What Peugeot have done is very forward thinking. Carbon emission audits are definitely an emerging market, and companies are seeking the opportunity to differentiate themselves through conducting business in a sustainable way.”

“An event like this is still about promoting your product - and it is an activity that should be offset by purchasing carbon credits in some form to reduce the carbon impact. I think one of the things that an audit ultimately does is create awareness that every action has consequences.

“Peugeot is the first vehicle manufacturer to contact us with regard to a carbon emission audit, and in these trying economic times - where many car manufacturers are focusing purely on reducing costs and increasing sales - I believe they can pat themselves on the back for still taking the initiative to determine the impact and do something about it.”

About the Author

Creator of www.greenpoll.com - changing the way we live.

Debt Management Credit Counseling C

June 30th, 2010 admin No comments

Debt Management Credit Counseling C

Credit Debt Solutions - Credit Counseling Vs Debt Settlements - Which is Better?

If your unpaid debt is haunting your sleep, it is time you seek credit debt solutions and receive some solace. When it comes to credit debt solutions, you have various options at your disposal. A layman, in financial matters, may not know the pros and cons of choosing a particular solution to his debt problems. A prudent choice can put an end to your worries; while a hasty decision can begin a series of fresh problems to attend. Both consumer credit counseling and legitimate debt settlement are effective tools to move out of debt. The choice depends on the seriousness of the problem.

Loan defaulters can rebuild their credibility in the market only after they have paid all their dues. Obviously, an unemployed or underemployed person finds it extremely difficult to satisfy his creditors. Debt settlement comes to your rescue, in such cases. A debt relief firm negotiates with your creditors to buy reduction on the borrowed amount. If your unsecured debt amount is more than$10k, you can opt for debt settlement.

A competent debt relief company can get a waiver of as much as 70%on the total debt amount. The credit card company will consider your case, favorably, if it is convinced that your financial status is not robust enough, to return the borrowed amount.

Consumer debt counseling is a useful way to receive education on the importance of financial planning. A disciplined life style and an organized pattern of expenditure can protect you from the predicament of being a debtor. A certified counselor can help you understand the efficacy of a monthly budget He also prepares a proper debt management program for his customer. He even negotiates with the lenders to sort out a loan repayment plan. This plan offers slashed fees, payments and interest rates to the debtors. You may also refer to a bankruptcy counselor who can convince you on the disastrous effects of proclaiming bankruptcy.

It is pointless to compare credit counseling with debt settlement. Debt settlement is a process of coming out of debt, while credit counseling is more of a tutorial that guides you to streamline your financial plans.

Debt settlement is a legitimate alternative to filing bankruptcy. If consumers are experiencing a financial hardship and have at least $10k in unsecured debt then debt settlement can be a legitimate way to eliminate up to 70% of that balance.

About the Author

www.debtconsoladate.com
is a matchmaker in the debt settlement industry. They have paired up thousands of consumers up with debt settlement companies who are most likely to get consumers the best deal.

http://www.debtconsoladate.com


Contact us for free debt advice = 8883613619

Debt Negotiation With Creditors

June 25th, 2010 admin No comments

Debt Negotiation With Creditors

Debt Negotiation-Clear Off Your Debts

Debt negotiation helps you to clear off your debts and lead a debt free life. If you have been irregular with your payments and missed 3 or more of them, it is time you start thinking of negotiating your debts. Debt negotiation is a good option for you if your debt account has been sold to a collection agency.

In debt negotiation, your outstanding balance is reduced by as much as 40% to 60%. You can opt for debt settlement in case you have the following debts to settle.

1. Store cards
2. Credit cards (unsecured)
3. Personal loans
4. Payday loans
5. Checks that have bounced
6. Medical bills

If you are hiring the services of a debt negotiating company, they work on your behalf and negotiate with the creditors to lower your outstanding balance. The debt negotiation firm evaluates your financial situation to find out if debt settlement is the right option for you or not. A budget is worked out so that you can curtail your other expenses and save some money for making payments towards debt negotiation.

A trust account is created into which the payments are made instead of paying them to the creditors. When there is enough money to start negotiating with the creditors, debt negotiation is initiated. Once the creditors agree to lower your outstanding balance, you start making payments to the creditors. A trust account usually doesn’t earn any interest but you regularly receive detailed statement indicating the monetary movements that have taken place in the trust account.

Effect of debt negotiation on credit score
Your credit score is an important indicator of your financial health. If you have a good credit score, it increases your chances of availing fresh credit in future. Not only this, you also stand a better chance of availing the various financial privileges some of the creditors offer, the rate of interest being one of them.

Since you stop making payments to the creditors for sometime and make payments into the trust account, your credit score gets damaged for a brief period. The score drops till the time your creditors don’t receive any payments from you. However, once your payments get regularized again, your credit score starts increasing.

Debt negotiation firms-check their credibility
If you are taking professional help, the debt negotiation firm you hire determines to a large extent, how successfully you complete the debt negotiation program. Prior to hiring their services, it is better to check their credibility. Try to search for the past records of the negotiating firm. Don’t settle for the firm that asks for fees before they actually do anything for you.

How do you benefit from debt negotiation?
Debt negotiation can be of immense benefit and can help you to lead a debt free life. Once you enroll for a debt negotiation program, the number of collection calls made by debt collectors is greatly reduced. You are entitled to pay less than what you owe, you become regular with your debt payments and finally you are able to lead a debt free life.

About the Author

Author Bio:
This article is written by Jason Holmes, a community writer of Debt consolidation care. Jason Holmes has been writing on debt settlement, debt consolidation, credit card debt, debt consolidation loans and various other financial aspects.

If i do debt negotiation,debt settlement with creditors (acceptance of my offer),is there any bad credit.?

Yup, because you are not going to live up to the terms of the original debt agreements

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Consumer Credit Counseling California

June 17th, 2010 admin No comments

Consumer Credit Counseling California

California Bad Credit Mortgage Related Information

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Financial difficulties are married to bad credit. It is a tough marriage but can be peaceful with a bit of counseling. The recommended counseling in case you have bad credit with a mortgage loan is bad credit remortgage. Remortgage is defined as replacing the current mortgage lender with a different one.

Browse through the internet for a good bad credit personal loans deal. Persistence will get you a good personal loan for bad credit. Well, if the search leaves you exhausted – it is a sure sign that you are getting the best bargain.

Bad credit is related to difficulty in finding loans. The loan market has expanded considerably within the last few years. So has the market for bad credit loans. The implications for the consumer - consumer has the benefit of getting better opportunities for bad credit loans.

It was intriguing to find that many people, oblivious of their background, found this article related to california bad credit mortgage and other people with bad credit, get a loan, and even dental loans for bad credit helpful and information rich.

About the Author

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Consumer Credit Counseling Of Buffalo

June 4th, 2010 admin No comments

Consumer Credit Counseling Of Buffalo