Tag Archives: Really

Is Credit Card Debt Counseling Really Beneficial?

Not every person believes that credit card debt counseling is beneficial and there are various known reasons for that. Some individuals just read articles in the newspapers or find suggestions about the world wide web and just take that as last thing. So they really do not wish for credit card debt counseling. Some others feel that credit card debt guidance companies are just attempting to make quick cash by telling you the most obvious in other words.

By letting you know something which will be marketed everywhere. However, the most important explanation comes from the fact not totally all credit card debt guidance businesses are genuine as well as those who are genuine, not absolutely all credit debt counseling organizations provide good advice. So, picking a suitable credit debt counseling business becomes a crucial aspect in identifying the prosperity of credit card debt guidance. Always decide on a professional credit debt counseling business, even in the event their cost is a bit greater.

Remember that an effective credit debt guidance can help you in not only getting rid of your credit debt, but eliminating your personal credit card debt in a manner that is really so economical concerning a lot more than counterbalance the fee personal credit card debt guidance organization is recharging you. More over, proper credit debt guidance can save you considerable time and power that you’d have otherwise spend in learning all about credit card debt, collecting information regarding various credit debt eradication actions and comparing these actions.

Further, these credit debt counseling businesses can provide several solution to you against which you yourself can pick whatever appeals more to you. These credit card debt guidance agencies can also get your personal credit card debt decided more speedily than if you were attempting to do it all by yourself (and with no credit debt guidance). Also, credit debt counseling could bring to light things which you will not have-been capable see e.g. risks with all the approach you were thinking to look at or a futuristic view of things.

Furthermore, somebody who earns his/her loaves of bread by practicing personal credit card debt counseling as a profession, would know the tips of this trade which no-one else would surely even have an inkling to e.g. pitfalls of a certain debt consolidation reduction offer, or advantages of another offer etc.

There isn’t any question with regards to the benefits that credit debt counseling can bring to you personally. However, you need to be mindful and give a wide berth to the fraudsters and pick up anyone who has a good reputation.

Uchenna Ani-Okoye is an online marketing advisor and co creator of complimentary affiliate marketing programs

to learn more and resource backlinks on credit see: Quick on the web money financial loans

Do You Really Required Credit score Counseling?

credit counseling
by brizzle birthed as well as bred

Being swamped in the red could really bring stress and psychological pay and sometimes the best way to obtain with this circumstance is to seek credit report counseling. A credit rating therapy company can be a big assistance for individuals that are losing control over their funds. What could a credit rating therapy solution do for you?A debt therapist can negotiate with your financial institutions for easier payment terms or reduced regular monthly settlement charges. In some instances, a credit counselor might suggest that the customer enroll in a financial obligation repayment strategy. Debt Settlement Strategy and Therapy Just what is a

financial obligation repayment plan? A debt repayment plan is when the credit rating counseling agency distributes the customer’s monthly settlements to the financial institutions in addition to arrangement. As a consumer, you will be submitting your repayments to your debt counseling firm and also the firm would certainly be the one to settle your financial institutions. Under a debt repayment strategy, financial debts with the greatest rates of interest are frequently paid off first to maintain financial obligations from further constructing up. Nonetheless, remember that enrolling in a financial debt settlement plan or financial debt administration strategy is not constantly suitable for every person. Do you truly need a credit history therapy company to do this? OR would it be much better to do settlement on your own?Why Seek Credit scores Therapy Thoroughly examine your financial scenario and also weigh your alternatives. What has led you to debt

? Are you having trouble managing your spending routines? If the problem includes your individual investing practices, it may be a smart idea to look for expert help from a credit rating counselor.You’ll recognize it’s finest to seek aid from a legitimate and also trusted credit history therapy firm when: * financial obligation problems are beginning to interfere with your family members partnerships, * loan providers are rejecting you credit rating * calls from your lenders are beginning to upset you * if you locate it upsetting control of the situation.Once you have actually decided to get credit rating therapy service, ascertain
that you’ll be functioning with a reputable and relied on firm. Some credit report counseling solutions could be fake.

Also so-called charitable credit scores therapy firms can benefit from your trouble if you’re not cautious with your choice.One way to examine the online reputation of a credit scores therapy agency is to see if it belongs to the National Foundation for Credit score Therapy (NFCC)or the Association of Independent Consumer Debt Therapy Agencies (AICCCA). You could additionally check from the Better Organisation Bureau and from your State Attorney general’s workplace if there has actually been any kind of cases filed versus the credit history counseling business as well as exactly how these issues were fixed. When you make certain that the credit history counseling firm

is a legit one, know as much as you could concerning the services the debt counseling company supplies. Inquire concerning the fees that you will certainly be required to pay, what programs are provided, as well as exactly what accreditations the credit score firm have
. Remember that credit history repair service agency should not ask you to submit payment unless the services have actually already been provided. Liz Roberts is a self-employed writer and also lending consultant. The website BadCreditResources.com uses sources that concentrate on authorizing bad credit report individual car loans and credit rating cards for negative credit.

How Serious Is Identity Theft Really?

Yearly Reports of Identity Theft to the Federal Trade Commission:

In 2007 identity theft accounted for 36 percent of the 674,354 fraud and identity theft complaints (reported to the Federal Trade Commission.

In 2005 -255,565 cases of identity theft were reported to the FTC

In 2004 -246,847 cases of identity theft were reported to the FTC

In 2003 215,177 cases reported of identity theft were reported to the FTC

In 2001 CBS News reported that someone became the victim of identity theft every 79 seconds (CBSnews.com, 1/25/01)

Between 1997 and 2005 the Federal Trade Commission reported that over 3 million cases of fraud and identity theft were reported to over 1400 law enforcement agencies in 19 nations. Identity theft crimes are not limited to the United States but are committed world wide.

Facts every consumer should know:

– Credit card fraud (26%) was the most common form of reported identity theft followed by phone or utilities fraud; (18%), bank fraud (17%), and employment fraud (12%). Other significant categories of identity theft reported by victims were government documents/benefits fraud (9%) and loan fraud (5%). (Federal Trade Commission Complaint Data)

– the majority of cases go unreported to Federal or local authorities

– the most common age group affected by identity theft is 18-29

– the top 10 metropolitan areas affected by identity theft include: Phoenix, AZ; Las Vegas, NV; Miami, FL; San Francisco, CA; and Dallas, TX (2005)

– California had the most reported cases of identity theft with a total of approximately 45,000 cases of identity theft (2005)

– the most common method of retrieving information for use in identity theft is through lost or stolen wallets, theft of mail, dumpster diving, and information obtained through friends, family or consumer providers

– another common method of obtaining your information is by “stealing” it at a business that you may you frequent

New, Harder to Detect Form of Identity Theft

Synthetic identity theft occurs when bits and pieces of several people are used in order to create an entirely new identity. Information may come in the form of an address from one person, the social security number of another and employment or banking information from a third or fourth.

Your Damages resulting from Identity Theft:

In a study conducted of 173 victims of identity theft by The Identity Theft Resource Center specific damages were explored. In each case the victim’s damages included:

– an extended period of time to correct their credit status;
– 85% of the victims found out about the theft when they attempted to apply for a job or credit;
– victims are currently spending over 600 hours attempting to repair the damages to their credit
– victims are spending money in the approximate a amount of over $ 16,000 per victim to repair their credit
– it is taking longer to remove negative, incorrect or falsified information from their credit reports
– many victims equate the emotional impact of identity theft with that of a violent crime – in some cases similar to a rape as the violation can be that personal.

Identity theft is a serious crime. Damages result to individuals, banks, and businesses as well as families. Imagine going to purchase your new home to find out that your credit is damaged and now you are unable to. Imagine the time and money you will spend to correct the problems associated with identity theft. Millions of dollars and Hundreds of thousands of people in the United States and millions worldwide are affected each year by identity theft. Victims, both personal and business must use valuable time, effort and resources to correct the situation, which in some cases is beyond total repair. Damages are not only to your credit and your finances but also to your emotional, physical, and psychological well being.

Reporting suspected identity theft is essential to protecting yourself further and protecting others. Reports should be filed with local authorities, your State’s Attorney General’s office and the Federal Trade Commission. Consumers need to not only protect their information but by reporting efforts at identity theft may be able to stop it from happening in the future.

Consumers can report ID theft to the FTC by calling the agency’s toll-free number: 877-438-4338.

Lisa Carey is a contributing author for Identity Theft Secrets: prevention and protection. You can get tips on Identity theft protection, software, and monitoring your credit as well as learn more about the secrets used by identity thieves at the Identity Theft Secrets blog.

Your Source for a Really Totally free Credit history Record? AnnualCreditReport.com

< object kind =" application/x-shockwave-flash "design =" size:425 px; height:355 px; "information ="// www.youtube.com/v/HXgMLpc7ivE?color2=FBE9EC&version=3&modestbranding=1" >< param name =" flick "worth ="// www.youtube.com/v/HXgMLpc7ivE?color2=FBE9EC&version=3&modestbranding=1"/ >< param name =" allowFullScreen" value=" true"/ >< param name=" allowscriptaccess" worth =" always "/ > Your debt record affects your capacity to get a financing or job, and also can help you stay clear of identity theft. You could obtain a really complimentary debt record from AnnualCreditReport.com. Comment Small amounts Plan: We invite your comments as well as thoughts regarding the details on this page. If you do have something to state, please be considerate and also considerate to other commenters. We won’t consistently evaluate or edit any kind of comments before they are uploaded, however we will certainly erase any remarks that:
1) contain spam or are off-topic 2) use repulsive language or offending terms that target details groups or include personal strikes 3) are sales pitches, promos, links or connect to commercial sites 4) spread plainly misleading or incorrect details or 5) consist of individual information, like residence addresses Video clip Ranking:/ 5

< item type="application/x-shockwave-flash" style="width:425 px; elevation:355 px;" data ="// www.youtube.com/v/6h_0m6VZ54s?color2=FBE9EC&version=3&modestbranding=1" >< param name="film" worth ="// www.youtube.com/v/6h_0m6VZ54s?color2=FBE9EC&version=3&modestbranding=1"/ > < param name="allowscriptaccess" value="constantly"/ > To get your free annual credit rating record from TransUnion, Equifax and Experian see: http://www.annualcreditreport.com For various other examples given in the video go to each Credit scores Bureau’s website.

TransUnion: http://www.transunion.com Equifax: http://www.equifax.com Experian: http://www.experian.com Video Rating:/ 5

Which Refinance Real Estate Loan Discounts Are Really Easy To Process?

So you desire a hand for the reason that refinance mortgage loan. After all, it really is quickly getting the talk of the city. The problem is, you’re daunted because of the process that includes it. Now you’re wondering, what are the easiest deals in the future by to date?

You should consider the following types of refinance home loan. They’ve been by far the simplest and simplest to process.

Fixed speed Refinance real estate loan

As opposed to the specialty kind of refinance home mortgages (like adjustable rate mortgage), this type of loan is much easier ahead by. To qualify for a variable rate home loan, you’re going to have to encounter generally speaking higher criteria. You are going to need to have a greater earnings, much better credit reports, and an even more important home equity.

A set rate real estate loan could be precisely what you’ll need. With this particular types of refinance mortgage, you handle a fixed rate of interest for your credit term, rather than a variable home loan rate of interest wherein you may be susceptible to the inconsistencies for the home loan market. If economic climate is certainly not who is fit, then you’ll definitely have to get ready for burgeoning rates of interest. So fundamentally, you get satisfaction and stability along with your fixed price home mortgage as bonus.

Closed Refinance Mortgage Loan

Another type of refinance home loan that is an easy task to be eligible for is the closed refinance home loan. So what now is this? It’s the form of loan wherein you’re not allowed to make prepayments or even pay off your loan beforehand. You might do prepayments if you suddenly end up with a lot of extra cash along with the aspire to pay out your loan in order to prevent interest charges. With a closed real estate loan, your loan provider will simply allow you to try this for a fee.

It is much easier to close this price, however, in the place of an open refinance mortgage. The latter allows you to pay out without costs, but it’s challenging to be eligible for them. You’re going to have to have a far more welcoming earnings, credit report, and home equity.

Lasting Refinance home loan

Another refinance home loan that is much easier to be eligible for is the long-lasting refinance real estate loan. Now what would make for a long-term loan? It’s the style of loan that can last for 6 years or more. It often lasts for up to a decade, though you can find the ones that reach until 25 many years.

Temporary mortgages tend to be more advantageous because they offer reduced prices. Then again once more, they’re not very easy to come across. Just as before, you’ll have to have better income, much better credit file, and much better home equity.

Although qualification procedure will be the the very least of the concerns. Getting a deal shut and having the perfect offer are two various things. You’ve probably gotten your refinance home loan without much sweat, only to experience severe issues while already inside it. Don’t try using a deal limited to its expediency. Be really examining.

Are you looking for a refinance residence that is simple to process? Then you must start thinking about a Florida refinance . You must additionally see what Ca refinance is offering. Browse WhatAboutLoans.com these days.

Free Credit Report Government: What You Should Really Know

When it comes to getting your credit score, it’s important. That is why there is free credit report government (freescorereportgov.com). The government knows how important it is to know your credit score. Here are some other things you should know about this.

Some of you might have heard that the government allows you one free credit score per year. This is true. They do this for a reason. However, do be mindful that though you are getting this online, the score might be a bit higher than the actual score. This is what we have found. This is a technique that online companies use.

So, now the government allows you to get one free credit report. This is something you can get each year. This will allow you to pay attention to make sure that no one has been using it. This also tells you where you stand credit wise.

The second biggest reason is that it allows you to see how credit agencies view you. The lower your credit score; the lower they feel about you. They view you as a risk. Therefore, they might be hesitant about giving you any lines of credit. Your number should be past seven hundred to be considered good or great credit.

Now, where do you go to get this? There are many websites that are recommended by the government. You can find them on their website. When you find them, you will find that you can get this for free. Some sites make you jump through hoops and sign up for things before they will give you the free credit report which you are entitled to.

This is just a little bit of what you should know about the government and their opportunity for you to get a free credit report. Knowing this, you can find what you have to do to make sure that you are better off in the long run. You never know when you are going to need a line of credit.

Click here for more information: copy of credit report and one free credit report

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Why Banks and Credit Bureaus Really Like Minimal Credit Scores…

Most folks know having low credit scores cost more than having a high one. However, what few consumers ever find out is just how expensive their low credit score really is. Today we WON’T talk about the fact a low credit score could cost you a good job (because over 50% of employers are now running credit checks on job applicants).

We WON’T talk about the fact you could end up paying up to 40% more for your auto insurance (because most insurance companies now check credit when quoting premiums). We WON’T talk about the fact most utility organizations for Electric, Gas, Water or Cable now need a deposit before services can be turned on simply because of a low credit score.

We WON’T speak about the other FIVE ways a low credit score will cost you cash and make life more difficult every single month.

No… today we’re going to discuss about the one way a low credit score will cost you a fortune and why the banks and credit bureaus love your very low credit score (if you choose to do nothing about it). This one factor of credit if not addressed will cost the average American over $ 100,000.

Even worse, it can cost the regular mortgage broker or loan officer over $ 100,000… each and every year. The saddest part of all? The banking institutions and credit bureaus win if you choose to do nothing due to the fact it’s your loss and your loss IS their gain. Let us explain…

We all realize the largest purchase a consumer will make in their lifetime is their home. As a result, the biggest amount of interest ever paid in a consumers’ lifetime will be on the loan, for that household. Again, most consumers know with a low credit score they’re going to pay a higher interest rate on that loan.

However, few consumers ever study the REAL amount that increased interest ends up costing them over the life of the mortgage. After all, the standard American Consumer now lives in a world where their only focus when financing anything, is all about…The MONTHLY Payment.

This type of thinking feels good in the short run but becomes high-priced in the long run. Let’s look at some factual numbers as to why with the account of Bill and Ted.

Bill and Ted both bought homes in the same neighborhood, on the same street and for the same price. Bill had a high credit score and borrowed $ 180,000 to purchase a 4 bedroom 3 bath home. Because of his higher credit score he got a 30 year fixed rate loan at 5.5% interest. Here’s what Bills loan looked like:

His loan amount was $ 180,000. His interest rate was 5.5%. This gave Bill a month-to-month payment of $ 1022.02. His payments over 30 years totaled $ 367,927.00. His interest paid over the term totaled $ 187,927.00 (Of his $ 367,927 in total payments… $ 187,927 went to interest).

Bill paid for his home twice after interest, but don’t cringe until eventually we’re done talking about Ted.

Ted had a lower credit score and borrowed $ 180,000 to purchase a 4 bedroom 3 bath home on the same street as Bill. He got a thirty year fixed loan as well, but because of his reduced credit score his interest rate was 8.0% instead of Bills 5.5%. Here’s what Ted’s loan for the exact same $ 180,000 loan looked like:

Ted’s loan sum was $ 180,000. His interest rate was 8.0%. This gave Ted a monthly payment of $ 1320.78 (about $ 300 more per month than Bills). Ted’s payments over 30 years totaled $ 475,479.00. Ted’s interest paid over the term totaled $ 295,479.00

The dilemma is NOT that Ted paid over $ 295,000 in interest on his loan of $ 180,000. The genuine concern is that Ted paid $ 108,000 MORE in interest than Bill because his credit score was lower!

Teds total home loan interest paid = $ 295,479.00
Bills total home loan interest paid = $ 187,927.00
Difference = $ 107,552.00

The harsh reality is that Ted’s credit score cost him $ 107,000…But that’s not the actual tragedy of the story.. .The worst part is Bill and Ted were brothers and both had negative credit at the very same time (years before buying their homes). The only distinction was Bill took action to repair his credit, while Ted didn’t.

Now, ask yourself “Who got Teds’ $ 107,000 in extra interest payments?” ANSWER: The bank.

And that’s why banking institutions love low credit scores. Customers like Ted are far more rewarding than prospects like his brother Bill. All because a lower credit score means they have to pay a higher interest rate and most people today like Ted don’t see the big picture, as an alternative they only focus on…The month-to-month Payment they can afford.

Banks really like individuals like Ted simply because they make millions off them. Will you end up being like Ted and throwing away over $ 100,000 in interest payments on your home? Hopefully not…

Now that we’ve gone over why financial institutions enjoy low credit scores… let’s talk about why Credit Bureaus appreciate them just as much (if not more).

If you ask ten Americans on the street… “How do Credit Bureaus generate income?” You will invariably get the same answer all 10 times: “By Selling Credit Reports of Course!”

While this reply is true, it’s not… the whole truth.

The actuality is that Credit Bureaus make the bulk of their income selling personal information, not running credit reports. In the example of Bill and Ted one doesn’t have to be smart to realize that Ted is a more rewarding customer to the bank than Bill, mainly because Ted has to pay a greater interest rate due to his credit score. This is due to the fact Ted is what’s known as…”A SUB-PRIME Borrower”

Since sub-prime borrowers are more rewarding customers simply because they pay higher interest rates, there is a thriving business for Credit Bureaus to sell lead data to Mortgage Lenders.

Remember, Credit bureaus make the BULK of their money NOT by promoting credit reports but by selling personal information. And, the only thing more lucrative than selling personal data, is when you can sell that exact same personal information, over and over to, multiple clients. Let us wrap up with just one instance…”TRIGGER Leads”

A while back the Credit Bureaus came up with an incredibly worthwhile product to sell to mortgage brokers called “TRIGGER LEADS.” The finest way we like to explain a “Trigger Lead” to consumers, is to have them imagine they work at their local Sheriffs office answering the telephone.

Then, each and every time someone calls and gives their name, address and phone number in order to file a police report that their house was just broken into… they then take that info and turn around and sell it as a “Lead” to 20 different “Home Security Companies” so they can get in touch with the recent victim about purchasing a security system for their home.

After all, you can’t locate a “Hotter Lead” for a home security system than a person whose just had their home robbed within the last 24 hours!

Trigger Leads basically work the same way except they’re sold to mortgage brokers. It works like this: Joe Consumer goes to his local financial institution or mortgage broker to get prequalified to buy a home. As a result, the lender pulls his credit in the process.

The Credit Bureau see that Joe Consumer is shopping for a loan so they then market his name, address and phone number to other mortgage brokers as a “Trigger Lead” inside of 24 hours, so they can call him and pitch him a better deal. Sound interesting? It gets better.

In some cases the “Trigger Lead” will be sold twenty times in less than 24 hours. Shocked? Don’t be… not until you discover that “Trigger Leads” can cost around $ 5 each (or more depending on the data selects).

So let’s break down the numbers real fast. Joe Consumer gets his credit pulled in the course of action of “prequalifying” for a home mortgage. His personal data is then sold for $ 5 as a “Trigger Lead” to up to 20 distinct mortgage brokers within 24 hours. Simply math tells us that if 20 People Each Pay $ 5 for Joe’s Contact info…that’s $ 100 created off Joe’s Name!

Now imagine how many “Joe’s” are created each day by the Credit Bureaus? Selling sales prospects for loans and credit card offers is large business for the Credit Bureaus. How many other businesses have a repository of over 200 million names they can make income off selling over and over? Now, imagine WHO is the most worthwhile “LEAD” they can sell?

A person with a higher credit score? Or…A person with a very low credit score?

The answer is obvious. And, it also becomes obvious why the Credit Bureaus have automated so much of their consumer dispute processes overseas. It’s also the reason why the Credit Bureaus have shown no real incentive to lessen the number of harmful errors in consumer credit reports with enacting stricter data management. In the end “SUB-PRIME Borrowers” are more Determined and more profitable and that’s the reason why the Credit Bureaus appreciate your minimal credit score…

Jay Peters is the owner of Zodiac Publishing, which developed the “Credit Repair Intelligence System”, giving you the solution to aid you with your need to understand credit scores. For additional free reports and videos with distribution rights please visit their website and learn about credit bureaus.

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Credit Therapy – 5 Things You Really did not Learn about Credit history Counseling

< item type =" application/x-shockwave-flash" design=" size:425 px; height:355 px; " data ="// www.youtube.com/v/HA_lb1VSA_I?color2=FBE9EC&version=3&modestbranding=1" >< param name=" flick" value ="// www.youtube.com/v/HA_lb1VSA_I?color2=FBE9EC&version=3&modestbranding=1"/ >< param name=" allowFullScreen "worth =" real"/ > Get Credit history Therapy Below- http://creditcounseling.debtconsolidation.com What Is Credit Therapy?
Are you struggling economically as well as attempting to dig out from a mountain of debt? Credit rating counseling might be just the remedy you’re looking for. Credit therapists collaborate with customers to inform them concerning money and also financial obligation, and aid them establish family spending plans a strategy to eliminate financial obligation. Credit therapy could provide financial guidance or work out with lenders to resolve unsustainable debt. Nevertheless, therapists can not supply lawful guidance. All conferences in between a credit history counselor and customers are considered confidential.

Certification Teams Credit history Therapy firms typically come from an accreditation team, such as the National Foundation for Credit rating Therapy or the Association of Independent Non-mortgage consumer debt Counseling Agencies. These teams establish criteria, give accountability for its participant agencies and also established recommend cost routines. The National Structure for Credit Counseling recommends costs need to disappear than for a set up and also month-to-month afterwards. Participants of the Association of Independent Non-mortgage consumer debt Therapy Agencies must consent to cover the preliminary charge at and the regular monthly maintenance costs at.

The Credit rating Therapy Strategy When you satisfy with a credit rating counselor, having a straightforward discussion of your funds is paramount. You have to be prepared to divulge all aspects of your financial life so the counselor will have a clear and also total financial image of your earnings, household costs, existing debt as well as costs routines. Duplicates of monetary declarations – including the debt accounts– will be needed.
The credit history counselor helps create a distinct plan that could include a debt management strategy, boosted budgeting, personal bankruptcy, or a combination of these. Financial administration as well as instructional devices are supplied, in addition to products to help clients create cost savings and retirement strategies.

Searching for A Credit rating Therapist Locating a credit counselor in your area has never been much easier. Start by making a list of member agencies of the National Foundation for Credit rating Therapy or the Association of Independent Non-mortgage consumer debt Therapy Agencies Next off, get in touch with either your state lawyer general neighborhood customer security office to figure out whether there have actually been any kind of grievances filed. You could discover info on your state’s policies by checking out the state web pages on our site.

The majority of firms will certainly provide an initial meeting at on the house. This meeting typically lasts regarding one hr, and also provides you the chance to figure out if the company will be an excellent fit.

Regarding Nonprofit Agencies.

Many credit therapy firms are not-for-profit and usually obtain their financing from costs paid by clients, gives from the credit/lending industry and also a percent of the repayments made by debtors. Approximately 15 percent of exactly what is accumulated can be gone back to the company. Under Internal Revenue Service guidelines, a charitable credit counseling company could only accumulate approximately 50 percent of its income from these repayments.

< object kind="application/x-shockwave-flash" style="size:425 px; height:355 px;" information ="// www.youtube.com/v/8fbzKJoxjgU?color2=FBE9EC&version=3&modestbranding=1" >< param name="flick" worth ="// www.youtube.com/v/8fbzKJoxjgU?color2=FBE9EC&version=3&modestbranding=1"/ >< param name="allowFullScreen" value="real"/ >< param name="allowscriptaccess" worth="constantly"/ > Burnie talks about Geoff’s recent fees to the business credit card.