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  Since there is a rise in credit card debt levels all the time, credit counseling agencies are reaping huge profits. Therefore as a consumer, it is in your interest to choose the right credit counseling agency for you. In general, an accreditation with National Foundation for Credit Counseling or Association of Independent Consumer Credit Counseling Agencies would be recommended. You need to consider an entire list of credit counseling agencies and then narrow down it and it shall be better to call your local better business bureau and check whether any complaints are filed for any of these. In case any credit counseling agency has number of complaints associated to it, you should better move on another one. It is very important for you to understand that what is being offered to you by the credit counseling agency. A good credit counseling agency shall offer you a variety of services such as a certified personal counselor, personal financial budget calculation worksheet, a debt man

  ” Oomph is the intricate inner feeling of that touch of power, unexplained yet real, that comes with the drinking of coffee” I had been a long term tea drinker, preferring tea to any other beverage for years, until one day, I had a new assistant. I was working as a dealer representative for stocks and shares at that time, and that means in a really stressful environment, being in the trading room all the time. So taking some time off to catch a cuppa and to be back to trading and watching the trading screens for the best prices was the perfect break anyone could hope for. My new assistant was a young lady in her mid twenties, and it was interesting to see her prepare her drink. No, she wasn’t a tea drinker like me. Instead, she was a coffee fan, perhaps even an addict to coffee, you may say. On her first day at work, she took out of her handbag three packs of instant coffee 3 in 1 – namely instant coffee, sugar and non-dairy creamer, and then proceeded to empty the three packs into