Debt, Debt Awareness, and Debt CC

Debt is a terrible thing… from what I observed during my childhood at least. It was a time (from what I recall) when a person would only take on debt when buying a house, buying a car, starting a business, and at most, paying for the children’s education. And home equity? It is only used as a last resort. And people who borrow to gamble will always end up in pieces somewhere in a back alley.

You are free to call me “old school.”

Now more than a decade later, the world is a different place. Debt has become a commonplace. Consumerism is celebrated. Instant gratification is glorified. Debt is encouraged. The crowd would cheer as you sit on your European imported sofa, watching TV on your newest Sony Bravia LCD, inside your immaculately re-modeled home, which is complemented with a BMW M5 on your front porch. You may be swimming in a sea of debt behind the doors. But it’s aaaaaaalright. It’s totally fine to have debt.

Okay, I admit that the example is a bit extreme, and I know a majority of people don’t end up in debt due to such acts. Life situations could force us into debt. Nonetheless…the meaning of debt has become lost in translation (adverstisement) in this era. Way too much sugar-coating.

Debt Awareness

To begin to understand what debt means, I extracted some definitions from
Debt is something that is owed. Debt is an obligation to pay something.

In other words, when you have debt, it is an obligation to pay back what you owe. Debt is a responsibility. Since you are taking on debt, it means you don’t have much now, so you pay your debt with what you will have in the future. Therefore, when you take on debt, you are betting on your own future. If the future is unpredictable, debt becomes not so good an idea. And it a very bad idea when you take on debt – despite knowing that you simply won’t have “enough future” to pay back. How did we end up in financial crisis again?

Understanding that, it makes sense for a person to take loan for business purpose because they expect future gains that will enable both profit and payment for the loan. Debt is useful in this way. However, when people start consistently using debt to finance leisure and impulse purchase – things that produce no future gain, then there is a slight problem. The problem worsens in a capitalistic society where lenders set high interest rate to obtain sizeable profits, unlike if you borrow interest-free from a generous relative or friend.

Quotes about debt:

The indebted man “must smile on those he hates, he must extend his hand where he would strike, he must speak pleasantly with a curse in his throat”.

“He [borrower] wears dependence like a yoke.”

“The Borrower Is a Slave to the Lender.”

“Be frugal and free.”

Above all, I enjoy how all the quotes emphasize on the same theme of the “loss of freedom” because not only it’s very true, it relates to my biggest concern with taking on mortgage for a home. With a mortgage, I will be “mortally engaged” in the debt with the bank and a stable job to afford it. What if I am to lose my job? What if I want to do something different? I will have much less freedom to do so. I will be “dependent,” “a slave”, not “free”, and “must smile and speak pleasantly” with the bank and with the same job.

Debt CC

For those who would like some help with their debt issues, I introduce Debt Consolidate Care (Debt CC) (2015/11/15: link removed per request). Debt CC is internet’s first get-out-of-debt community that offers professtional help. It currently has over 100,000 members with thousands of practical topics regarding debt covered in the form of forums, wiki, and articles. And with the amount of members, you are almost guaranteed to find some information, tips, and advice concerning your debt scenario.

It’s good to know that Debt CC’s main objective is to make you debt free.

Below is the story of Debt CC and Denny, the found of Debt CC:

Debt – a four lettered word with a far reaching impact on an individual’s financial as well as personal life. Being in debt is an all consuming feeling that people carry around with them 24 hours– throughout their day in office and even at home while spending time with their family. It is rightly said that getting in debt is easier but getting out of it is harder and difficult to confront though it is not impossible. In fact nothing in life is not unattainable, with sheer determination hard work and patience, you can overcome biggest of problems. The story of Denny, the founder of (DebtCC) says it all – from owning a company to sleeping in streets and frantically searching for a decent job to pay off his debts.

Way back in 2003, Denny started DebtCC with the sole intention to extend helping hand to debt crunched people. Since then it has been providing services on debt consolidation, debt settlement and credit counseling to assist people in getting their lives back on track. Being in debt can be very isolating and lonely. That’s the reason the site has an online community (Internet’s first get-out-of-debt community) that comprises of 106724 members where people can communicate with others who are experiencing similar problems. There have been countless instances where the experienced community members have helped individuals seeking financial help with their sound advices. There is a chat section too, where the members can discuss on topics ranging from debt to lost hair pin!

Sadly, most of the people incur monetary troubles because of the lack of financial knowledge. Keeping this in mind, the site has incorporated articles section that has a wide range of information on financial topics written by expert content writers.

You must have heard of the quote by Margaret Fuller that says “If you have knowledge, let others light their candles in it” the wiki section is line with the thought. With the help of this section the community members who are empowered with adequate financial knowledge and keep themselves updated with the latest happenings in the finance world can also write articles to aid the financially challenged people.

Apart from offering out of debt programs, the site has various easy to use tools like debt calculator, e-books, and GPL licensed software that readily serve the purpose of the users.

Originally posted 2008-03-05 01:20:44. Republished by Blog Post Promoter

Mother Earth and Nature are Precious

Let me repeat, Mother Earth and Nature are precious. Sometimes we all get so caught up with our busy life and we forget. We forget that humans are part of the animal kingdom. We forget the existence of nature that sustains our livelihood. We have come to act like we are separate and bigger than nature, while the entire time…

We human beings are a part of nature…
As the air we breath.
As the water we drink.
As the ground we walk.
As the sun that shines.

Upon expressing my sentiments, a colleage shared with me a poster on his wall. It is a wonderful piece written by Chief Seattle, as a letter in response to President George Washington’s offer to purchase his tribe’s land. Upon research, I found that it is not the authentic writing. Nonetheless, I love the messages brought to life by the words.


How can you buy or sell the sky, the warmth of the land? The idea is strange to us. If we do not own the freshness of the air and sparkle of the water, how can you buy them?


Every part of this earth is sacred to my people.

Every shining pine needle, every sandy shore, every mist in the dark woods, every clearing and humming insect is holy in the memory and experience of my people. The sap which courses through the trees carries the memories of the red man.

The white man’s dead forget the country of their birth when they go to walk among the stars. Our dead never forget this beautiful earth, for it is the mother of the red man.

We are part of the earth and it is part of us.

The perfumed flowers are our sisters; the deer, the horse, the great eagle, these are our brothers.

The rocky crests, the juices in the meadows, the body heat of the pony, and man–all belong to the same family.


So, when the Great Chief in Washington sends word that he wishes to buy land, he asks much of us. The Great Chief sends word he will reserve us a place so that we can live comfortably to ourselves.

He will be our father and we will be his children. So we will consider your offer to buy our land.

But it will not be easy. For this land is sacred to us.

This shining water that moves in the streams and rivers is not just water but the blood of our ancestors.

If we sell you land, you must remember that it is sacred, and you must teach your children that it is sacred and that each ghostly reflection in the clear water of the lakes tells of events and memories in the life of my people.

The water’s murmur is the voice of my father’s father.


The rivers are our brothers, they quench our thirst. The rivers carry our canoes, and feed our children. If we sell you our land, you must remember, and teach your children, that the rivers are our brothers, and yours, and you must henceforth give the rivers the kindness you would give any brother.

We know that the white man does not understand our ways. One portion of land is the same to him as the next, for he is a stranger who comes in the night and takes from the land whatever he needs.

The earth is not his brother, but his enemy, and when he has conquered it, he moves on.

He leaves his father’s graves behind, and he does not care.

He kidnaps the earth from his children, and he does not care.

His father’s grave, and his children’s birthright, are forgotten. He treats his mother, the earth, and his brother, the sky, as things to be bought, plundered, sold like sheep or bright beads.

His appetite will devour the earth and leave behind only a desert.

I do not know. Our ways are different from your ways.

The sight of your cities pains the eyes of the red man. But perhaps it is because the red man is a savage and does not understand.

There is no quiet place in the white man’s cities. No place to hear the unfurling of leaves in spring, or the rustle of an insect’s wings.

But perhaps it is because I am a savage and do not understand.

The clatter only seems to insult the ears. And what is there to life if a man cannot hear the lonely cry of the whippoorwill or the arguments of the frogs around a pond at night? I am a red man and do not understand.

The Indian prefers the soft sound of the wind darting over the face of a pond, and the smell of the wind itself, cleaned by a midday rain, or scented with the pinion pine.


The air is precious to the red man, for all things share the same breath–the beast, the tree, the man, they all share the same breath.

The white man does not seem to notice the air he breathes.

Like a man dying for many days, he is numb to the stench.

But if we sell you our land, you must remember that the air is precious to us, that the air shares its spirit with all the life it supports. The wind that gave our grandfather his first breath also receives his last sigh.

And if we sell you our land, you must keep it apart and sacred, as a place where even the white man can go to taste the wind that is sweetened by the meadow’s flowers.


So we will consider your offer to buy our land. If we decide to accept, I will make one condition: The white man must treat the beasts of this land as his brothers.

I am a savage and I do not understand any other way.

I’ve seen a thousand rotting buffaloes on the prairie, left by the white man who shot them from a passing train.

I am a savage and I do not understand how the smoking iron horse can be more important than the buffalo that we kill only to stay alive.

What is man without the beasts? If all the beasts were gone, man would die from a great loneliness of spirit.

For whatever happens to the beasts, soon happens to man. All things are connected.


You must teach your children that the ground beneath their feet is the ashes of your grandfathers. So that they will respect the land, tell your children that the earth is rich with the lives of our kin.

Teach your children what we have taught our children, that the earth is our mother.

Whatever befalls the earth befalls the sons of the earth. If men spit upon the ground, they spit upon themselves.

This we know: The earth does not belong to man; man belongs to the earth. This we know.

All things are connected like the blood which unites one family. All things are connected.

Whatever befalls the earth befalls the sons of the earth.

Man did not weave the web of life: he is merely a strand in it.

Whatever he does to the web, he does to himself.

Even the white man, whose God walks and talks with him as friend to friend, cannot be exempt from the common destiny.

We may be brothers after all.

We shall see.

One thing we know, which the white man may one day discover, our God is the same God. You may think now that you own Him as you wish to own our land; but you cannot. He is the God of man, and His compassion is equal for the red man and the white.

This earth is precious to Him, and to harm the earth is to heap contempt on its Creator.

The whites too shall pass; perhaps sooner than all other tribes. Contaminate your bed, and you will one night suffocate in your own waste.

But in your perishing you will shine brightly, fired by the strength of God who brought you to this land and for some special purpose gave you dominion over this land and over the red man.

That destiny is a mystery to us, for we do not understand when the buffalo are all slaughtered, the wild horses are tamed, the secret corners of the forest heavy with scent of many men, and the view of the ripe hills blotted by talking wires.
Where is the thicket? Gone.
Where is the eagle? Gone.
The end of living and the beginning of survival.

Whatever we do to nature, it will come back to us. If we don’t live to experience it now, then may our children do so in our place. People can keep talking about going green. People can market about carbon offsets all they want. People can keep urging for lower emission cars. People can keep arguing. People can keep asking for more and better evidence.

In the end, if people truly care for nature and the environment, they will come to understand that we are part of nature and their action will speak such understanding. If their intention is pure, it will be clear in their action. The same for ill intention.

Everything’s connected. What we do to other things on earth will be done upon us eventually. If our doings cause fast extinction to other species, then so shall be our fate. We are part of nature. If we are harming it, we are harming us. We are all one.

Originally posted 2008-01-09 23:26:19. Republished by Blog Post Promoter

Making Changes and Being in the Now – for New Year

Happy This Year, everyone. And because it’s the beginning of the year, the topic in of everyone’s mouth is again the “new year evolution”.

Now, whether it’s that, or you simply want to make any change, or doing what you do better, or simply just being. The following should be relevant.

There is a big difference…

…from not knowing to knowing.
…from knowing to doing.
…from doing it once to doing it often.
…from doing it often to doing it all the time.

Furthermore, the degree to which you are completely “here” with the doing, or in other words, the degree of your sincereness in the moment will determine how well the result maybe.

Originally posted 2010-01-01 00:28:56. Republished by Blog Post Promoter

Risk Hedging, Planning, and Stress

One important question we modern people would ask is, “Why is everyone so damn stressed out?”

Modern life is full of ironies. The irony here is how we always plan as attempt to feel more secure and thus make things less stressful. Yet, we get the exact opposite result.

Planning is fine but becomes bad when excessive.

We drown ourselves in all possible scenarios, which are mental images of futures that exist only in our mind. So they are more or less illusions. Then we completely forget that plans are just plans, and thus should change upon changes in us and the environment. While we forge that, we fail to adapt when things turn sour. And then we make even bigger mess when we control and manipulate, scratch and claw to try to force what has become into a future that exists in our mind — as if we are clinging for our dear life.

Attachment to plan. Attachment to accomplishment. Attachment to the thoughts we have of what future should be. Attachment to accomplishment. Attachment to fulfill our ego’s desires.

As humans, we now often fail to change and adapt, like water. We like rigidness. When we are both rigid and fluid.

There is even the field called Risk Analysis, and so every business and individual strive to take the risk out of things. Again, too much is bad. Imagine a life where risk is taken out. Imagine you know everything that is going to happen. What happen to life?

Like the game of tic-tac-toe, because I know it can only end in win or draw. I see no point to play it, unless my goal is to intentionally lose.

Like the game of chess, when we know one of us is going to mate in a few moves, we end the game to start over. There is no point to continue.

What happens to life when there is too much planning? What happens to life when risk is completely removed? I believe, the answer is clear.

Originally posted 2009-10-26 00:30:55. Republished by Blog Post Promoter

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