Wealth-Coaching

Have you ever run across one of those web sites that has something totally unique and humorous, yet has absolutely no worth whatsoever to anyone on  the planet. Well, that’s what I found in the Dog Years Conversion Calculator at OnlineConversion.com. I mean, who really cares how old you are in dog years? Perhaps for someone that frequently transforms himself to a dog and back, it might be worthwhile to keep track of your age when your "dog friends" start asking about your age. You’d be able to quickly bark back "5.5" without letting on that something very weird is happening here.

Now, if your creditors are treating you like a dog, you need to do as dogs do. In a sense, people are to dogs as creditors are to people. People will throw a ball or stick (or some other object) and then they expect the dog to bring it back with a wag in the tail and a cheerful disposition. Creditors, however, don’t care how you bring the money back on as long as its on time and most importantly, you bring back much more of the same for the privilege of them tossing some money around. After all, dogs know how and when to be happy and they know when to be mean. Here are a few examples where creditors have or are treating people like dogs.

Several years ago, I had a mortgage company report a 30 day late on my credit report. At the time, we were stretching every dollar and failed to get our February payment in early. It was mailed at the end of the month and arrived on March 1st, which was technically the 29th day, not the 30th day. The policies and procedures of the company stated 30 days, but when we called in, we were told that it was by month. We spoke to numerous people at this mortgage company about this. We weren’t asking them to refund any late fees. All we wanted is a statement that we could submit to the credit bureaus stating that the payment was not actually 30 days late. We didn’t want to have that negative mark. But it was amazing to me how each person we spoke with was not willing to do this and give us the benefit of the doubt. It kind of makes you wonder about their interests. Were they more
interested in damaging someone’s credit so that it would be more difficult for the customer to refinance and get out of "their" mortgage or were
they more interested in helping out a customer? The difference here was obvious. They were treating us like a dog.

Have you ever had a creditor change their interest rate on you? We have. It feels great when they lower it without you taking any action. But when
they raise the interest rate, its easy to feel cheated. Many Credit card companies have savvy lawyers who know how to work the interest rate
increases into the fine print so as to "legally" take as much money from you. If these companies are raising interest rates on you without your
knowledge, then you are being treated like a dog.

Now the dog is considered man’s best friend, however, dogs can also growl and show their teeth. When you’re being treated poorly, you’ve got to
stick up for yourself. However, the best thing to do is to get rid of the creditor altogether. Pay their debt fast so you pay them as little interest as possible. Another thing that dogs do is to protect their master or the ones they love. We need to protect the ones we love. In the above two examples, there is nothing a creditor can do if the debt is paid off. Just as dogs bury their bones, we need to do the same…. so BURY YOUR DEBTS!