Database access – Accessup Search http://accessup-search.org/ Sat, 06 Aug 2022 11:00:43 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://accessup-search.org/wp-content/uploads/2021/10/icon-16.png Database access – Accessup Search http://accessup-search.org/ 32 32 Dave Ramsey says debt consolidation solves nothing. Is he right ? https://accessup-search.org/dave-ramsey-says-debt-consolidation-solves-nothing-is-he-right/ Sat, 06 Aug 2022 11:00:43 +0000 https://accessup-search.org/dave-ramsey-says-debt-consolidation-solves-nothing-is-he-right/ Image source: Getty Images Don’t rule out this debt repayment strategy just because Dave Ramsey doesn’t like it. Key points Dave Ramsey says debt consolidation doesn’t solve the real problem, which is your financial behavior. Although financial habits are what matter most, debt consolidation can also help. Debt consolidation is a frequent recommendation for those […]]]>

Image source: Getty Images

Don’t rule out this debt repayment strategy just because Dave Ramsey doesn’t like it.


Key points

  • Dave Ramsey says debt consolidation doesn’t solve the real problem, which is your financial behavior.
  • Although financial habits are what matter most, debt consolidation can also help.

Debt consolidation is a frequent recommendation for those trying to get their debt under control. If you’re unfamiliar with how debt consolidation works, it involves getting a new loan or credit card and using it to pay off all your debts. You then only have to make one monthly payment, possibly with a lower interest rate.

It may be popular, but there’s one finance personality who’s not a fan. When a reader asked Dave Ramsey if debt consolidation was a good way to get out of debt, his answer was an unequivocal no.

So, is debt consolidation worth it, or is Ramsey right? Let’s find out.

Why Dave Ramsey Is Against Debt Consolidation

Ramsey’s argument against debt consolidation is that it gives you the illusion of progress, without actually having done anything. As he says, “It makes you feel like you’ve really done something to change your whole financial outlook when you haven’t.”

According to Ramsey, what puts you in debt in the first place are your financial habits. That’s why he believes changing those habits is what’s important.

When you consolidate debt, you might have a lower monthly payment. You will certainly have fewer payments to manage. But in Ramsey’s view, it’s just tossing around the same old debt. You haven’t addressed the real problem, which is the behaviors that led to your debt.

What Ramsey is saying is that getting rid of debt is all about strict budgeting and creating new financial habits. He’s right there, at least with the debts caused by overspending. However, it is not fair to say that this is the problem for everyone. There are many issues that can cause debt, some that are not entirely within a person’s control, such as medical issues or sudden loss of income when living paycheck to paycheck. other.

Overall though, it’s true that getting out of debt is all about following good financial habits. But like many of Ramsey’s views, his stance on debt consolidation is extreme.

Debt consolidation can take your repayment plan to the next level

In his response to a reader on debt consolidation, Ramsey wrote that “interest rates aren’t the issue, and the number of payments you’re facing isn’t the issue.” Maybe so, but all things being equal, most people would probably accept a lower interest rate and lower monthly payments.

Those are two possibilities with debt consolidation, at least if your credit score is high enough. There are two popular options:

  • Balance transfer credit cards offer a 0% introductory APR on the balances you transfer. The introductory period can last 18 months or more with some cards, giving you some time to pay off what you owe.
  • Debt consolidation loans are personal loans intended to pay off existing debt. These give you a fixed payment term, with lenders normally offering terms of between 24 and 84 months.

Ramsey is right that there is no trick to paying off debt. If you spend more than you earn, you will end up in debt. If you consolidate that debt and then continue to spend more than you earn, you won’t make any real progress. Your now consolidated debt will increase and you will find yourself back at square one.

The key is to cut expenses and spend as much money on your debt as possible. And if you do that, debt consolidation is a great way to speed up the repayment process.

To demonstrate this, let’s say you have $5,000 in debt spread across various credit cards and are able to pay $300 per month for it. You could pay this at an 18% APR. Or, you can transfer it all to a balance transfer card with an introductory APR of 0% for 18 months. Here’s what the difference would be:

  • Without debt consolidation, your debt would cost you $5,797 and be paid off in 19 months.
  • With debt consolidation, your debt would cost you $5,150 (the original amount plus a 3% balance transfer fee) and be paid off in 18 months.

Debt consolidation will not do the work for you. You will still need to make those monthly payments and avoid any new debt. But it can help you pay off your debt sooner, reduce the number of your monthly payments and, most likely, save money on interest.

The Ascent’s Best Personal Loans for 2022

Our team of independent experts have pored over the fine print to find the select personal loans that offer competitive rates and low fees. Start by reviewing The Ascent’s best personal loans for 2022.

]]>
Cover all bases when considering debt consolidation solutions https://accessup-search.org/cover-all-bases-when-considering-debt-consolidation-solutions/ Wed, 03 Aug 2022 13:10:04 +0000 https://accessup-search.org/cover-all-bases-when-considering-debt-consolidation-solutions/ “We not only need to be fully aware of the seniors loan industry and the solutions it offers, but also what consumers could potentially get elsewhere.” The end-of-life loan market continues to build the strongest foundation, with equity release, RIO, mortgages for older borrowers all continuing to show strong and significant growth. Those demand fundamentals […]]]>

“We not only need to be fully aware of the seniors loan industry and the solutions it offers, but also what consumers could potentially get elsewhere.”

The end-of-life loan market continues to build the strongest foundation, with equity release, RIO, mortgages for older borrowers all continuing to show strong and significant growth. Those demand fundamentals that fuel the sector are also unlikely to change either; in fact, you could very strongly argue that they will only gain ground over time.

I recently looked at our own activity levels and business is, like the weather recently, hot, up 38% from the same time last year and again shows how – when it comes to of older borrowers – advice is absolutely fundamental, and advice is sought out and taken.

What we need to be very aware of though, and it’s something we’ve continually emphasized, is the fact that customer needs don’t lie in some sort of product vacuum. And, because of that, we not only need to be fully aware of the senior loan industry and the solutions it offers, but also what consumers could potentially get elsewhere.

I know that for the most part advisors do this, but at a recent “Breakfast with Stuart” meeting the issue of equity release as a solution to certain client circumstances was raised, particularly in relation to concerns its use for debt consolidation.

Now, of course, debt repayment has been a core reason for many people to purchase equity release products for many years. Historically, many clients have used equity release, for example, to pay off residential mortgages, particularly when lenders have come to them asking them to settle those mortgages later in life, or perhaps when the length of their interest-only contract ended and they needed the money to repay the principal.

However, it would appear that with more clients using equity release to consolidate debt, some may be concerned that they have not explored all of their debt management options before deciding on this line of debt. conduct. Now we have to point out that advisors can of course recommend lifetime products if the client wishes to use the freed up equity to repay debt, but you certainly need to be clear about that recommendation, why it was appropriate and, in fact, what other areas you have considered. .

Indeed, when it comes to debt consolidation, the argument is that the counselor should immediately refer the client to a debt management agency/counsellor and let them talk to them first. However, not all clients want to go this route, and depending on who they turn to for help, getting an appointment can take time.

So, of course, advisors will want to help clients in these situations and they will want to help them as soon as possible if there is a time imperative, but this can often be a complex situation, and advisors need to make sure that they cover all the bases and tread carefully here.

For example, are there other options available to the client rather than borrowing/releasing equity? Could they instead access their pension pots to pay off the debt? Could they use their state pension? Do they not have access to the benefits to which they are entitled, which could help pay off debts?

It is extremely important that all other options are considered and, more importantly, that client records and documentation explicitly describe these considerations, what they were, how they might work and, in fact, why they did not. not deemed appropriate if you switch to an equity. release/loan recommendation later in life. Additionally, of course, you must also show that the client has understood all aspects of this process, as well as the reasoning behind your advice and recommendations.

Let’s be honest here – end-of-life counselors need to show their full workings with every client, especially when there might be other potential solutions outside of the industry. In these specific cases, it would not be bad to establish a solid relationship with a debt counselor in order to offer at least a possibility of help and support to the client.

Of course, timing will be everything here, but what you definitely want to provide them with is peace of mind for them and peace of mind for yourself that you made the right choice by choosing this place. use the capital release or end-of-life loan for this purpose.

]]>
Debt consolidation: good solution or terrible mistake? | Hobbies https://accessup-search.org/debt-consolidation-good-solution-or-terrible-mistake-hobbies/ Wed, 03 Aug 2022 04:50:00 +0000 https://accessup-search.org/debt-consolidation-good-solution-or-terrible-mistake-hobbies/ For the person drowning in debt, a debt consolidation loan is like a lifeline. But reaching for it without knowing exactly what it’s made of could be a big mistake. The way it’s supposed to work: You pay off all your small, high-interest consumer debt with the proceeds of a new, low-interest loan whose payment […]]]>

For the person drowning in debt, a debt consolidation loan is like a lifeline. But reaching for it without knowing exactly what it’s made of could be a big mistake.

The way it’s supposed to work: You pay off all your small, high-interest consumer debt with the proceeds of a new, low-interest loan whose payment is less than the total of the smallest payments.

In theory, consolidation is a terrific solution for a heavy debt situation. In reality, it can force you into even more dangerous waters.

There are three ways to consolidate:

No. 1: A new, low-interest (unsecured) signature loan from an individual, bank, or credit union. If you can get it, this type of debt consolidation is ideal.

No. 2: Transfer all balances to a new credit card. Beware of excessive transfer fees or other annoying terms buried in the fine print. Credit card interest is always likely to increase, even when advertised as a “fixed rate”.

No. 3: A home equity loan. It sounds great to pay off your high-interest debt with money borrowed from your home equity. But that only raises the stakes. Now, if you fall behind, the lender takes your home through foreclosure.

There is another significant danger that all of these consolidation loans have in common: I call it the “double effect”. If you’ve ever lost 10 pounds and gained 20 back, you’ll understand right away. Most people who pay off all their pesky credit card balances look at those zero balances with a sense of personal accomplishment. They did something remarkable. They didn’t pay their debts, but they liked to pretend. They say they won’t use these accounts anymore but don’t close them. They leave them to “build up credit” or to provide a cushion – just in case of an emergency.

Statistics indicate that the person consolidating a new loan will enjoy zero balances for a short time, but end up charging them at all-time highs. The average period is two years. This means double the trouble because of the debt consolidation loan.

So are all debt consolidation loans prohibited? No, but they must enter with extreme caution and great consideration.

Before proceeding with any debt consolidation loan, make sure you get honest answers to these tough questions:

No. 1: Is the total consideration of the debt consolidation loan (principal and interest), and not just the monthly payment, less than the combined consideration of all the debts it will repay?

No. 2: Are the terms reasonable? If, for example, the new loan or the new credit card carries significant penalties – such as you lose the attractive interest rate if you are late once or twice – this is not reasonable. If you have to pay large loan origination fees, that’s not reasonable.

No. 3: Am I mature enough to cancel accounts that will be refunded during the consolidation process?

Except in extreme cases, the best way to deal with a load of unsecured consumer debt is to stop adding to it, work out your recovery plan, then buckle up and get to work!

You will be amazed at how quickly you can reverse your debt situation once you know exactly when you will be debt free.

This is an update to a column originally published in 2014. Mary invites you to visit her at EverydayCheap skate.comwhere this column is archived with links and resources for all recommended products and services.

Mary invites questions and comments to https://www.everydaycheapskate.com/contact/, “Ask Mary.” This column will answer questions of general interest, but letters cannot be answered individually. Mary Hunt is the founder of EverydayCheapskate.coma frugal living blog and the author of the book “Debt-Proof Living”.

]]>
Consumer and Business Debt Consolidation Market 2022 Data Analysis by Key Vendors like | Discover Personal Loans (US), Lending Club (US), Payoff (US) https://accessup-search.org/consumer-and-business-debt-consolidation-market-2022-data-analysis-by-key-vendors-like-discover-personal-loans-us-lending-club-us-payoff-us/ Tue, 02 Aug 2022 07:30:15 +0000 https://accessup-search.org/consumer-and-business-debt-consolidation-market-2022-data-analysis-by-key-vendors-like-discover-personal-loans-us-lending-club-us-payoff-us/ Consumer and Business Debt Consolidation Market Overview:The report provides key statistics on the Consolidation of consumer and business debt status of manufacturers and is an invaluable source of advice and guidance for companies and individuals interested in the ICT media industry. the report also provides a general overview of the industry including definition, applications and […]]]>

Consumer and Business Debt Consolidation Market Overview:
The report provides key statistics on the Consolidation of consumer and business debt status of manufacturers and is an invaluable source of advice and guidance for companies and individuals interested in the ICT media industry. the report also provides a general overview of the industry including definition, applications and manufacturing technology. The report then takes an in-depth look at the major international players in the industry. Consumer and Business Debt Consolidation presents company profile, product specification, capacity, production value and market share for each company from 2022 to 2030 in this section.

Get a sample report link:
https://marketstrides.com/request-sample/consumer-and-corporate-debt-consolidation-market

Key Players of Consumer and Business Debt Consolidation Market
The Consumer and Business Debt Consolidation is designed to include both qualitative and quantitative aspects of the industry in each of the regions and countries involved in the study. Furthermore, the research also provides detailed information on the crucial aspects such as driving factors and challenges that will define the future growth of consumer and business debt consolidation. In addition, the report should also incorporate accessible opportunities in micro markets for stakeholders to invest in, along with a detailed analysis of the competitive landscape and product offerings of key players.

The study of the growth of the leading market player in the target sector includes new projects with SWOT, PESTAL analysis, speculative returns, innovations and study of the accessibility of companies. some of the profiled players are Discover Personal Loans (US), Lending Club (US), Payoff (US), SoFi (US), FreedomPlus (US)

Consumer and Business Debt Consolidation Market by Product Type
Credit card debt, Overdrafts or borrowings, Other

Consumer and Business Debt Consolidation Market by Application
Company, Private

Regional Overviews of Consumer and Business Debt Consolidation Market:
The country section of the report also provides individualistic factors impacting the market and changes in regulations within the market internally that impact on present and future trends in the Consumer and Business Debt Consolidation. Data points such as consumption volumes, price analysis, production sites and volumes, import and export analysis, raw material cost, downstream value chain analysis and upstream are some of the major indicators used to predict the market scenario for individuals. countries.

Consumer and Business Debt Consolidation Segment by Regions, regional analysis covers
• North America (United States, Canada and Mexico)
• Europe (Germany, United Kingdom, France, Italy, Russia, Spain and Benelux)
• Asia-Pacific (China, Japan, India, Southeast Asia and Australia)
• Latin America (Brazil, Argentina and Colombia)
• Middle East and Africa

The report provides information about the following pointers:
Consumer and Business Debt Consolidation Market Penetration: In-depth analysis of product portfolios for key players contributing to market growth
Product Development/Innovation in Consumer and Business Debt Consolidation Market: Detailed information on upcoming technologies, R&D activities and product launches and their influence on changing market dynamics.
Consumer and Business Debt Consolidation Market Competitive Assessment: In-depth assessment of product revenue, geographic market share, key strategies appropriated by major market players.
Development of Consumer and Business Debt Consolidation Market: The report has impressed the key technological developments along with the partnerships, collaborations, mergers, acquisitions, and similar relevant developments taking place in the market.
Consumer and Business Debt Consolidation Market Diversification: Details regarding new product launches, geographic expansion, to strengthen market presence and to diversify are covered in this section.

Key benefits of the report:
• This study presents the analytical description of the global Consumer and Business Debt Consolidation industry together with the current trends and future estimations to determine the impending pockets of investment.
• The report presents information related to key drivers, restraints, and opportunities, as well as an in-depth analysis of the global Consumer and Business Debt Consolidation Market. to share.
• The current market is quantitatively analyzed to highlight the growth scenario of the Global Consumer and Business Debt Consolidation Market.
• Porter’s Five Forces analysis illustrates the power of buyers and suppliers in the marketplace.
• The report provides a detailed analysis of the Global Consumer and Business Debt Consolidation Market based on the intensity of the competition and how the competition will shape in the coming years.

About Us:

Market Strides is a global aggregator and publisher of market intelligence development reports, stock reports, database directories and economic reports. Our repository is diverse, covering virtually every industry sector and even more so all categories and sub-categories within the industry.

Our pre-integration strategy for publishers is perhaps what sets us apart in the market. The publishers & their market share, the reports are meticulously validated by our panel of internal consultants, before being posted on our website. These in-house consultants are also responsible for ensuring that our website features only the most up-to-date reports.

You have a question ? Ask our experts

Market Strides has a team of professionals who assist you in many advanced industry-specific trends, content and test different strategies and implement the most productive one for the business.

For more information, Email – sales@marketstrides.com

Contact us: +1 856 677 8909 (USA)

Follow us on social networks:

Facebook || LinkedIn || Twitter || pinterest || tumblr || instagram || Medium

Trend reports:
https://jeunesexpress.ca/news/460129/capteur-de-presence-a-ultrasons-marche-tendances-croissance-demande-opportunites-scope-et-previsions-par-2030-banner-engineering-apc-international- esaote/
https://lifenbiz.com/%eb%b0%a9%ea%b4%91%ea%b2%bd-%eb%b0%8f-%ec%9a%94%ea%b4%80%ea%b2 %bd-%ec%8b%9c%ec%9e%a5-%ec%83%81%ec%9c%84-%ec%a0%9c%ec%a1%b0%ec%97%85%ec% b2%b4-%ed%81%ac%ea%b8%b0-%eb%b9%84%ec%a6%88%eb%8b%88%ec%8a%a4/
https://www.marketwatch.com/press-release/cancer-biomarker-market-size-share-trends-by-forecast-2026-top-prominant-payers-thermo-fisher-scientific-roche-diagnostics-agilent- technologies-2022-06-14
https://marketstrides.com/report/runway-center-line-light-market

]]>
Dave Ramsey: Debt Consolidation Doesn’t Fix Spending Habits | Company https://accessup-search.org/dave-ramsey-debt-consolidation-doesnt-fix-spending-habits-company/ Sun, 31 Jul 2022 18:00:00 +0000 https://accessup-search.org/dave-ramsey-debt-consolidation-doesnt-fix-spending-habits-company/ Dear Dave: Is debt consolidation a good way to get out of debt? — Erikah Dear Erika: No it is not. Debt consolidation companies try to position themselves this way, but they don’t even come close to addressing or solving the real problem. Here’s the main reason debt consolidation isn’t a good idea: It makes […]]]>

Dear Dave: Is debt consolidation a good way to get out of debt?

— Erikah

Dear Erika: No it is not. Debt consolidation companies try to position themselves this way, but they don’t even come close to addressing or solving the real problem.

Here’s the main reason debt consolidation isn’t a good idea: It makes you feel like you’ve really done something to change your financial outlook when you haven’t. When you move things around or suddenly have a lower payment each month, you end up thinking you’re making real progress.

The point is, you haven’t done anything to fix the real problem – which is you.

I meet people and talk to people all the time on my radio show who don’t quite understand that. They will tell me that they have paid off all their debts by using a debt consolidation company or by taking out a second mortgage on their house. Well, the truth is that they are not debt free. They have done nothing but pay off the same old debt.

Personal finance is 80% behavioral, Erikah. When it comes to getting out of debt, staying out of debt, and getting your finances in order, you have to change your habits and behaviors with money. Interest rates aren’t the issue, and the number of payments you face isn’t the issue. The problem is the person you see in the mirror every morning.

Until you change that person, start living with a strict, written monthly budget, and decide to eliminate debt from your life once and for all, you’ll never make any real progress in taking control. of your money.

David Ramsey is a seven-time #1 national bestselling author, personal finance expert, and host of “The Ramsey Show.”

]]>
Is debt consolidation a good way to get out of debt? https://accessup-search.org/is-debt-consolidation-a-good-way-to-get-out-of-debt/ Tue, 26 Jul 2022 03:16:00 +0000 https://accessup-search.org/is-debt-consolidation-a-good-way-to-get-out-of-debt/ Dear Dave, Is debt consolidation a good way to get out of debt? Erikah Dear Erika, No it is not. Debt consolidation companies try to position themselves this way, but they don’t even come close to addressing or solving the real problem. Here’s the main reason debt consolidation isn’t a good idea: It makes you […]]]>

Dear Dave,

Is debt consolidation a good way to get out of debt?

Erikah

Dear Erika,

No it is not. Debt consolidation companies try to position themselves this way, but they don’t even come close to addressing or solving the real problem.

Here’s the main reason debt consolidation isn’t a good idea: It makes you feel like you’ve really done something to change your entire financial outlook when you haven’t. When you move things around or suddenly have a lower payment each month, you end up thinking you’re making real progress. The point is, you haven’t done anything to fix the real problem – which is you.

I meet people and talk to people all the time on my radio show who don’t quite understand that. They will tell me that they have paid off all their debts by using a debt consolidation company or by taking out a second mortgage on their house. Well, the truth is that they are not debt free. They have done nothing but pay off the same old debt.

Personal finance is 80% behavioral, Erikah. When it comes to getting out of debt, staying out of debt, and getting your finances in order, you have to change your habits and behaviors with money. Interest rates aren’t the issue, and the number of payments you face isn’t the issue. The problem is the person you see in the mirror every morning.

Until you change that person, start living with a strict, written monthly budget, and decide to eliminate debt from your life once and for all, you’ll never make any real progress in taking control. of your money!

— Dave

]]>
Debt consolidation does not solve the real problem https://accessup-search.org/debt-consolidation-does-not-solve-the-real-problem/ Fri, 22 Jul 2022 09:05:54 +0000 https://accessup-search.org/debt-consolidation-does-not-solve-the-real-problem/ Is debt consolidation a good way to get out of debt? — Erikah A: No, it is not. Debt consolidation companies try to position themselves this way, but they don’t even come close to addressing or solving the real problem. Here is the big reason why debt consolidation is not a good idea. It makes […]]]>

Is debt consolidation a good way to get out of debt? — Erikah

A: No, it is not. Debt consolidation companies try to position themselves this way, but they don’t even come close to addressing or solving the real problem.

Here is the big reason why debt consolidation is not a good idea. It makes you feel like you’ve really done something to change your entire financial outlook when you haven’t. When you move things around or suddenly have a lower payment each month, you end up thinking you’re making real progress. The point is, you haven’t done anything to fix the real problem – which is you.

I meet people and talk to people all the time on my radio show who don’t quite understand that. They will tell me that they have paid off all their debts by using a debt consolidation company or by taking out a second mortgage on their house. Well, the truth is that they are not debt free. They have done nothing but pay off the same old debt.

]]>
Major Players Analysis of Consumer and Business Debt Consolidation Market 2022 https://accessup-search.org/major-players-analysis-of-consumer-and-business-debt-consolidation-market-2022/ Fri, 22 Jul 2022 08:17:28 +0000 https://accessup-search.org/major-players-analysis-of-consumer-and-business-debt-consolidation-market-2022/ According to a new report, the world “Consumer and Business Debt Consolidation Market” 2028 provides a comprehensive assessment of the market landscape, encompassing both current and future market position. In terms of drivers, opportunities, and restraints, the analysis provides insights into developing trends and market dynamics. The analysis houses a light weight on the analysis […]]]>

According to a new report, the world “Consumer and Business Debt Consolidation Market” 2028 provides a comprehensive assessment of the market landscape, encompassing both current and future market position. In terms of drivers, opportunities, and restraints, the analysis provides insights into developing trends and market dynamics. The analysis houses a light weight on the analysis of past growth trends. It includes a market summary, identification of key players, key developments, material suppliers, and dealers, among other things. Market size, sales, forecast, share, business demand, growth rate and revenue are also included.

The Consumer and corporate debt consolidation market positioning is playing an unbroken boom and achieving a CAGR of 4% for the forecast period 2022-2028.

For a sample copy of the report, click here:

https://www.marketintelligencedata.com/reports/4437555/global-consumer-and-corporate-debt-consolidation-market-insights-and-forecast-to-2028/inquiry?Mode=SN

Consumer and Business Debt Consolidation also includes the research and development activities of these companies and provided comprehensive knowledge of their existing products and services. An elaborate analysis of the revenue generation scope and chances, manufacturer profile, production details and consumption patterns is given. A thorough assessment of these factors is crucial for various market players to understand the potential for investments in specific regional areas.

The report also includes key players in recent market trends:

Goldman Sachs, OneMain Financial, Discover Personal Loans, Lending Club, Repayment, Freedom Debt Relief, National Debt Relief, Rescue One Financial, ClearOne Advantage, New Era Debt Solutions, Pacific Debt, Debt Relief Accredited, CuraDebt Systems, Guardian Debt Relief, Debt Negotiation Services, Premier Debt Help, Oak View Law Group

Segmentation of the personal and commercial debt consolidation market

The Consumer and Business Debt Consolidation market is split by Type and by Application. For the period 2022-2028, the growth between segments provides accurate calculations and forecasts of sales by type and by application in terms of volume and value. This analysis can help you grow your business by targeting qualified niche markets.

Market segmentation by types:

Credit card debt

Student loan debt

medical bill

Apartment leases

Others

Market segmentation by application:

society

Consumer

ACCESS THE FULL REPORT:

https://www.marketintelligencedata.com/reports/4437555/global-consumer-and-corporate-debt-consolidation-market-insights-and-forecast-to-2028?Mode=SN

Regional analysis:

– European market (Germany, United Kingdom, France, Russia, Italy)

– Central East and Africa market (Saudi Arabia, United Arab Emirates, Egypt, Nigeria, South Africa)

– South America market (Brazil, Argentina, Colombia)

– North American market (United States, Canada, Mexico)

– Asia-Pacific market (China, Japan, Korea, India, Southeast Asia)

Answers to key questions in the report:
– What is the growth potential of the global Consumer and Corporate Debt Consolidation market?

– Which regional market will impose itself as a precursor in the years to come?

– Which application segment will grow at a rapid rate?

– What are the growth opportunities that may emerge in the global Consumer and Business Debt Consolidation industry in the coming years?

– What are the main challenges the market might face in the future?

– Who are the leading companies in the Global Consumer and Business Debt Consolidation Market?

– What are the key trends positively impacting market growth?

Buy Now Link:

https://www.marketintelligencedata.com/report/purchase/4437555?mode=su?Mode=SN

Contents Consumer and Business Debt Consolidation Market:

Chapter 1: Consumer and Business Debt Consolidation Market Overview

Chapter 2: Global Market Status and Forecast by Regions

Chapter 3: Global Market Status and Forecast by Types

Chapter 4: Global Market Status and Forecast by Downstream Industry

Chapter 5: Market Driving Factors Analysis

Chapter 6: Market Competition Status by Major Manufacturers

Chapter 7: Major Manufacturer Introduction and Market Data

Chapter 8: Upstream and Downstream Market Analysis

Chapter 9: Cost and Gross Margin Analysis

Chapter 10: Marketing State Analysis

Chapter 11: Conclusion of the Market Report

Chapter 12: Research Methodology and Reference.

The report offers important features on core members that have been around in the business for a while, while providing insight into their production design, product portfolio, and other data. The study document contains an assessment of various drivers, upcoming technologies, opportunities, market risks, restraints, market barriers, challenges, trends, competitive landscape, and segments which paints an accurate picture of the growth of the Global Consolidation Market consumer and business debt.

Personalization available –

  • Free report customization (equivalent to up to 4 analyst business days) with purchase of Consumer and Business Debt Consolidation report. Added or changed country, region and segment scope.
  • If you have any questions or customization requirements, please contact our sales team, who will ensure your requirements are met.

Contact us:

Irfan Tamboli (head of sales) – Market Intelligence data

Phone: +1 (704) 266-3234

Mail to: |sales@marketintelligencedata.com

]]>
Debt consolidation is not a solution to credit problems https://accessup-search.org/debt-consolidation-is-not-a-solution-to-credit-problems/ Tue, 19 Jul 2022 21:00:00 +0000 https://accessup-search.org/debt-consolidation-is-not-a-solution-to-credit-problems/ Dear Dave, Is debt consolidation a good way to get out of debt? – Erikah Dear Erika, No it is not. Debt consolidation companies try to position themselves this way, but they don’t even come close to addressing or solving the real problem. Here is the big reason debt consolidation is not a good idea. […]]]>

Dear Dave,

Is debt consolidation a good way to get out of debt?

– Erikah

Dear Erika,

No it is not. Debt consolidation companies try to position themselves this way, but they don’t even come close to addressing or solving the real problem.

Here is the big reason debt consolidation is not a good idea. It makes you feel like you’ve really done something to change your entire financial outlook when you haven’t. When you move things around or suddenly have a lower payment each month, you end up thinking you’re making real progress. The thing is, you haven’t done anything to fix the real problem, which is you.

I meet people and talk to people all the time on my radio show who don’t quite understand that. They will tell me that they have paid off all their debts by using a debt consolidation company or by taking out a second mortgage on their house. Well, the truth is that they are not debt free. They have done nothing but pay off the same old debt.

Personal finance is 80% behavioral, Erikah. When it comes to getting out debt, not going into debt and putting your finances in order, you have to change your habits and behaviors with money. Interest rates aren’t the issue, and the number of payments you face isn’t the issue. The problem is the person you see in the mirror every morning.

Until you change that person and start living on a strict, written monthly basis. budget and decide to eliminate debt from your life once and for all, you will never make real progress in taking control of your money!

— Dave

]]>
Best Debt Consolidation Plans in SG 2022 https://accessup-search.org/best-debt-consolidation-plans-in-sg-2022/ Fri, 15 Jul 2022 09:47:44 +0000 https://accessup-search.org/best-debt-consolidation-plans-in-sg-2022/ {“elements”:[“u003Cdiv class=”AffiliateBannerMobile–root”u003En u003Cdiv class=”AffiliateBanner–root “u003En u003Cdiv class=”AffiliateBanner–image”u003En u003Cdiv class=”ShortcodeImage–root “u003En u003Cdiv class=”ShortcodeImage–image-container”u003En u003Ca class=”js-event-click” data-eventcategory=”Affiliate debt_consolidation_loans: HSBC Debt Consolidation – Image” data-eventlabel=”HSBC Debt Consolidation” rel=”nofollow noopener” target=”_blank” title=”HSBC Debt Consolidation” href=”/redirect/debt_consolidation_loans/2?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fad.doubleclick.net%252Fddm%252Ftrackclk%252FN939553.4116123VALUECHAMPION%252FB21488838.334399817%253Bdc_trk_aid%253D526667188%253Bdc_trk_cid%253D104056142%253Bdc_lat%253D%253Bdc_rdid%253D%253Btag_for_child_directed_treatment%253D%253Btfua%253D%253Bltd%253D”u003Eu003Cimg alt=”HSBC Debt Consolidation” class=”ShortcodeImage–image lazyload” style=”width: 200px;” data-src=”https://res.cloudinary.com/valuechampion/image/upload/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200/v1/referral_logos/sg/banking/hsbc-1″ src=”//res.cloudinary.com/valuechampion/image/upload/e_blur:1000,q_1,f_auto/referral_logos/sg/banking/hsbc-1″ data-srcset=”https://res.cloudinary.com/valuechampion/image/upload/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200/v1/referral_logos/sg/banking/hsbc-1 1x, https://res.cloudinary.com/valuechampion/image/upload/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200/v1/referral_logos/sg/banking/hsbc-1 2x”u003Eu003C/au003En n u003C/divu003Enu003C/divu003En u003C/divu003En u003Cdiv class=”AffiliateBanner–link”u003En u003Cdiv class=”AffiliateButton–root “u003En u003Ca data-eventcategory=”Affiliate debt_consolidation_loans: […]]]>

{“elements”:[“u003Cdiv class=”AffiliateBannerMobile–root”u003En u003Cdiv class=”AffiliateBanner–root “u003En u003Cdiv class=”AffiliateBanner–image”u003En u003Cdiv class=”ShortcodeImage–root “u003En u003Cdiv class=”ShortcodeImage–image-container”u003En u003Ca class=”js-event-click” data-eventcategory=”Affiliate debt_consolidation_loans: HSBC Debt Consolidation – Image” data-eventlabel=”HSBC Debt Consolidation” rel=”nofollow noopener” target=”_blank” title=”HSBC Debt Consolidation” href=”/redirect/debt_consolidation_loans/2?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fad.doubleclick.net%252Fddm%252Ftrackclk%252FN939553.4116123VALUECHAMPION%252FB21488838.334399817%253Bdc_trk_aid%253D526667188%253Bdc_trk_cid%253D104056142%253Bdc_lat%253D%253Bdc_rdid%253D%253Btag_for_child_directed_treatment%253D%253Btfua%253D%253Bltd%253D”u003Eu003Cimg alt=”HSBC Debt Consolidation” class=”ShortcodeImage–image lazyload” style=”width: 200px;” data-src=”https://res.cloudinary.com/valuechampion/image/upload/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200/v1/referral_logos/sg/banking/hsbc-1″ src=”//res.cloudinary.com/valuechampion/image/upload/e_blur:1000,q_1,f_auto/referral_logos/sg/banking/hsbc-1″ data-srcset=”https://res.cloudinary.com/valuechampion/image/upload/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200/v1/referral_logos/sg/banking/hsbc-1 1x, https://res.cloudinary.com/valuechampion/image/upload/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200/v1/referral_logos/sg/banking/hsbc-1 2x”u003Eu003C/au003En n u003C/divu003Enu003C/divu003En u003C/divu003En u003Cdiv class=”AffiliateBanner–link”u003En u003Cdiv class=”AffiliateButton–root “u003En u003Ca data-eventcategory=”Affiliate debt_consolidation_loans: HSBC Debt Consolidation – Button” data-eventlabel=”HSBC Debt Consolidation” class=”ShortcodeLink–root AffiliateButton–button js-event-click” rel=”nofollow noopener” target=”_blank” title=”HSBC Debt Consolidation” href=”/redirect/debt_consolidation_loans/2?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fad.doubleclick.net%252Fddm%252Ftrackclk%252FN939553.4116123VALUECHAMPION%252FB21488838.334399817%253Bdc_trk_aid%253D526667188%253Bdc_trk_cid%253D104056142%253Bdc_lat%253D%253Bdc_rdid%253D%253Btag_for_child_directed_treatment%253D%253Btfua%253D%253Bltd%253D”u003EApply Now u003C/au003Enu003C/divu003En u003C/divu003En u003C/divu003Enu003C/divu003Enu003Cdiv class=”AffiliateBannerDesktop–root”u003En u003Cdiv class=”AffiliateBanner–root “u003En u003Cdiv class=”AffiliateBanner–image”u003En u003Cdiv class=”ShortcodeImage–root “u003En u003Cdiv class=”ShortcodeImage–image-container”u003En u003Ca class=”js-event-click” data-eventcategory=”Affiliate debt_consolidation_loans: HSBC Debt Consolidation – Image” data-eventlabel=”HSBC Debt Consolidation” rel=”nofollow noopener” target=”_blank” title=”HSBC Debt Consolidation” href=”/redirect/debt_consolidation_loans/2?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fad.doubleclick.net%252Fddm%252Ftrackclk%252FN939553.4116123VALUECHAMPION%252FB21488838.334399817%253Bdc_trk_aid%253D526667188%253Bdc_trk_cid%253D104056142%253Bdc_lat%253D%253Bdc_rdid%253D%253Btag_for_child_directed_treatment%253D%253Btfua%253D%253Bltd%253D”u003Eu003Cimg alt=”HSBC Debt Consolidation” class=”ShortcodeImage–image lazyload” style=”width: 200px;” data-src=”https://res.cloudinary.com/valuechampion/image/upload/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200/v1/referral_logos/sg/banking/hsbc-1″ src=”//res.cloudinary.com/valuechampion/image/upload/e_blur:1000,q_1,f_auto/referral_logos/sg/banking/hsbc-1″ data-srcset=”https://res.cloudinary.com/valuechampion/image/upload/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200/v1/referral_logos/sg/banking/hsbc-1 1x, https://res.cloudinary.com/valuechampion/image/upload/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200/v1/referral_logos/sg/banking/hsbc-1 2x”u003Eu003C/au003En n u003C/divu003Enu003C/divu003En u003C/divu003En u003Cdiv class=”AffiliateBanner–link”u003En u003Cdiv class=”AffiliateButton–root “u003En u003Ca data-eventcategory=”Affiliate debt_consolidation_loans: HSBC Debt Consolidation – Button” data-eventlabel=”HSBC Debt Consolidation” class=”ShortcodeLink–root AffiliateButton–button js-event-click” rel=”nofollow noopener” target=”_blank” title=”HSBC Debt Consolidation” href=”/redirect/debt_consolidation_loans/2?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fad.doubleclick.net%252Fddm%252Ftrackclk%252FN939553.4116123VALUECHAMPION%252FB21488838.334399817%253Bdc_trk_aid%253D526667188%253Bdc_trk_cid%253D104056142%253Bdc_lat%253D%253Bdc_rdid%253D%253Btag_for_child_directed_treatment%253D%253Btfua%253D%253Bltd%253D”u003EApply Now u003C/au003Enu003C/divu003En u003C/divu003En u003C/divu003Enu003C/divu003En”,”nu003Cdiv class=”AffiliateBannerMobile–root”u003En u003Cdiv class=”AffiliateBanner–root “u003En u003Cdiv class=”AffiliateBanner–image”u003En u003Cdiv class=”ShortcodeImage–root “u003En u003Cdiv class=”ShortcodeImage–image-container”u003En u003Ca class=”js-event-click” data-eventcategory=”Affiliate debt_consolidation_loans: Standard Chartered Debt Consolidation – Image” data-eventlabel=”Standard Chartered Debt Consolidation” rel=”nofollow noopener” target=”_blank” title=”Standard Chartered Debt Consolidation” href=”/redirect/debt_consolidation_loans/4?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fsg.lendela.com%252Fapplication%253Futm_source%253Dvaluechampion_sg%2526utm_medium%253Dreferral%2526utm_campaign%253Dvc_personal_loan”u003Eu003Cimg alt=”Standard Chartered Debt Consolidation” class=”ShortcodeImage–image lazyload” style=”width: 200px;” data-src=”https://res.cloudinary.com/valuechampion/image/upload/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200/v1/referral_logos/sg/banking/standard-chartered-1″ src=”//res.cloudinary.com/valuechampion/image/upload/e_blur:1000,q_1,f_auto/referral_logos/sg/banking/standard-chartered-1″ data-srcset=”https://res.cloudinary.com/valuechampion/image/upload/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200/v1/referral_logos/sg/banking/standard-chartered-1 1x, https://res.cloudinary.com/valuechampion/image/upload/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200/v1/referral_logos/sg/banking/standard-chartered-1 2x”u003Eu003C/au003En n u003C/divu003Enu003C/divu003En u003C/divu003En u003Cdiv class=”AffiliateBanner–link”u003En u003Cdiv class=”AffiliateButton–root “u003En u003Ca data-eventcategory=”Affiliate debt_consolidation_loans: Standard Chartered Debt Consolidation – Button” data-eventlabel=”Standard Chartered Debt Consolidation” class=”ShortcodeLink–root AffiliateButton–button js-event-click” rel=”nofollow noopener” target=”_blank” title=”Standard Chartered Debt Consolidation” href=”/redirect/debt_consolidation_loans/4?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fsg.lendela.com%252Fapplication%253Futm_source%253Dvaluechampion_sg%2526utm_medium%253Dreferral%2526utm_campaign%253Dvc_personal_loan”u003EApply Now u003C/au003Enu003C/divu003En u003C/divu003En u003C/divu003Enu003C/divu003Enu003Cdiv class=”AffiliateBannerDesktop–root”u003En u003Cdiv class=”AffiliateBanner–root “u003En u003Cdiv class=”AffiliateBanner–image”u003En u003Cdiv class=”ShortcodeImage–root “u003En u003Cdiv class=”ShortcodeImage–image-container”u003En u003Ca class=”js-event-click” data-eventcategory=”Affiliate debt_consolidation_loans: Standard Chartered Debt Consolidation – Image” data-eventlabel=”Standard Chartered Debt Consolidation” rel=”nofollow noopener” target=”_blank” title=”Standard Chartered Debt Consolidation” href=”/redirect/debt_consolidation_loans/4?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fsg.lendela.com%252Fapplication%253Futm_source%253Dvaluechampion_sg%2526utm_medium%253Dreferral%2526utm_campaign%253Dvc_personal_loan”u003Eu003Cimg alt=”Standard Chartered Debt Consolidation” class=”ShortcodeImage–image lazyload” style=”width: 200px;” data-src=”https://res.cloudinary.com/valuechampion/image/upload/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200/v1/referral_logos/sg/banking/standard-chartered-1″ src=”//res.cloudinary.com/valuechampion/image/upload/e_blur:1000,q_1,f_auto/referral_logos/sg/banking/standard-chartered-1″ data-srcset=”https://res.cloudinary.com/valuechampion/image/upload/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200/v1/referral_logos/sg/banking/standard-chartered-1 1x, https://res.cloudinary.com/valuechampion/image/upload/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200/v1/referral_logos/sg/banking/standard-chartered-1 2x”u003Eu003C/au003En n u003C/divu003Enu003C/divu003En u003C/divu003En u003Cdiv class=”AffiliateBanner–link”u003En u003Cdiv class=”AffiliateButton–root “u003En u003Ca data-eventcategory=”Affiliate debt_consolidation_loans: Standard Chartered Debt Consolidation – Button” data-eventlabel=”Standard Chartered Debt Consolidation” class=”ShortcodeLink–root AffiliateButton–button js-event-click” rel=”nofollow noopener” target=”_blank” title=”Standard Chartered Debt Consolidation” href=”/redirect/debt_consolidation_loans/4?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fsg.lendela.com%252Fapplication%253Futm_source%253Dvaluechampion_sg%2526utm_medium%253Dreferral%2526utm_campaign%253Dvc_personal_loan”u003EApply Now u003C/au003Enu003C/divu003En u003C/divu003En u003C/divu003Enu003C/divu003En”,”nu003Cdiv class=”AffiliateBannerMobile–root”u003En u003Cdiv class=”AffiliateBanner–root “u003En u003Cdiv class=”AffiliateBanner–image”u003En u003Cdiv class=”ShortcodeImage–root “u003En u003Cdiv class=”ShortcodeImage–image-container”u003En u003Ca class=”js-event-click” data-eventcategory=”Affiliate debt_consolidation_loans: POSB/DBS Debt Consolidation Plan – Image” data-eventlabel=”POSB/DBS Debt Consolidation Plan” rel=”nofollow noopener” target=”_blank” title=”POSB/DBS Debt Consolidation Plan” href=”/redirect/debt_consolidation_loans/8?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fsg.lendela.com%252Fapplication%253Futm_source%253Dvaluechampion_sg%2526utm_medium%253Dreferral%2526utm_campaign%253Dvc_personal_loan”u003Eu003Cimg alt=”POSB/DBS Debt Consolidation Plan” class=”ShortcodeImage–image lazyload” style=”width: 200px;” data-src=”https://res.cloudinary.com/valuechampion/image/upload/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200/v1/referral_logos/sg/banking/posb-1″ src=”//res.cloudinary.com/valuechampion/image/upload/e_blur:1000,q_1,f_auto/referral_logos/sg/banking/posb-1″ data-srcset=”https://res.cloudinary.com/valuechampion/image/upload/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200/v1/referral_logos/sg/banking/posb-1 1x, https://res.cloudinary.com/valuechampion/image/upload/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200/v1/referral_logos/sg/banking/posb-1 2x”u003Eu003C/au003En n u003C/divu003Enu003C/divu003En u003C/divu003En u003Cdiv class=”AffiliateBanner–link”u003En u003Cdiv class=”AffiliateButton–root “u003En u003Ca data-eventcategory=”Affiliate debt_consolidation_loans: POSB/DBS Debt Consolidation Plan – Button” data-eventlabel=”POSB/DBS Debt Consolidation Plan” class=”ShortcodeLink–root AffiliateButton–button js-event-click” rel=”nofollow noopener” target=”_blank” title=”POSB/DBS Debt Consolidation Plan” href=”/redirect/debt_consolidation_loans/8?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fsg.lendela.com%252Fapplication%253Futm_source%253Dvaluechampion_sg%2526utm_medium%253Dreferral%2526utm_campaign%253Dvc_personal_loan”u003EApply Now u003C/au003Enu003C/divu003En u003C/divu003En u003C/divu003Enu003C/divu003Enu003Cdiv class=”AffiliateBannerDesktop–root”u003En u003Cdiv class=”AffiliateBanner–root “u003En u003Cdiv class=”AffiliateBanner–image”u003En u003Cdiv class=”ShortcodeImage–root “u003En u003Cdiv class=”ShortcodeImage–image-container”u003En u003Ca class=”js-event-click” data-eventcategory=”Affiliate debt_consolidation_loans: POSB/DBS Debt Consolidation Plan – Image” data-eventlabel=”POSB/DBS Debt Consolidation Plan” rel=”nofollow noopener” target=”_blank” title=”POSB/DBS Debt Consolidation Plan” href=”/redirect/debt_consolidation_loans/8?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fsg.lendela.com%252Fapplication%253Futm_source%253Dvaluechampion_sg%2526utm_medium%253Dreferral%2526utm_campaign%253Dvc_personal_loan”u003Eu003Cimg alt=”POSB/DBS Debt Consolidation Plan” class=”ShortcodeImage–image lazyload” style=”width: 200px;” data-src=”https://res.cloudinary.com/valuechampion/image/upload/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200/v1/referral_logos/sg/banking/posb-1″ src=”//res.cloudinary.com/valuechampion/image/upload/e_blur:1000,q_1,f_auto/referral_logos/sg/banking/posb-1″ data-srcset=”https://res.cloudinary.com/valuechampion/image/upload/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200/v1/referral_logos/sg/banking/posb-1 1x, https://res.cloudinary.com/valuechampion/image/upload/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200/v1/referral_logos/sg/banking/posb-1 2x”u003Eu003C/au003En n u003C/divu003Enu003C/divu003En u003C/divu003En u003Cdiv class=”AffiliateBanner–link”u003En u003Cdiv class=”AffiliateButton–root “u003En u003Ca data-eventcategory=”Affiliate debt_consolidation_loans: POSB/DBS Debt Consolidation Plan – Button” data-eventlabel=”POSB/DBS Debt Consolidation Plan” class=”ShortcodeLink–root AffiliateButton–button js-event-click” rel=”nofollow noopener” target=”_blank” title=”POSB/DBS Debt Consolidation Plan” href=”/redirect/debt_consolidation_loans/8?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fsg.lendela.com%252Fapplication%253Futm_source%253Dvaluechampion_sg%2526utm_medium%253Dreferral%2526utm_campaign%253Dvc_personal_loan”u003EApply Now u003C/au003Enu003C/divu003En u003C/divu003En u003C/divu003Enu003C/divu003E”],”offsetPercentage”:20}

]]>