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Consumer Debt: Where Did it Come From?

In recent times, there have been growing concerns with regard to the ever-increasing levels of consumer debt in the UK. Such is the height of the problem that recent figures revealed that by the end of March 2007, personal debt levels in the UK had risen to over 1.3 trillion - a rise of 10.5 per cent over the previous twelve months.

Yet despite these figures, and the fact that debt levels have risen further since, the consumer love affair with loans, credit cards, store cards and other forms of unsecured credit continues unabashed - while lenders continue to provide the finance that consumers crave. Making applications for finance has become easier and easier, which many industry analysts claim is an important factor in creating the huge levels of debt faced by UK consumers.

Previously, applications for credit usually meant a trip to the bank and a meeting with the manager to discuss your application. Lending criteria was much more stringent than it is today, with the applicant having to provide much more information to support their application than by today's standards. Being stressful affairs, meetings with the bank manager were often avoided unless finance was necessary and many people chose to do without rather than face a grilling over their application.

When banks and other financial companies began to offer telephone applications for loans and credit cards, the application was made easier and more convenient. Furthermore, many financial institutions began to advertise loan offers in newspapers and on TV, but although you still had to talk to someone about your application, the fact that you were apart from the other person made the process of applying for finance much more accessible. With more and more lenders setting up call centres to process loan applications, greater numbers of people began to make applications.

The introduction of the internet as a consumer commodity is reckoned to be the real catalyst for the UK's mounting debt problem. With most major banks, credit card companies and financial institutions beginning to accept finance offers made online, customers were able to make applications for credit from the comfort and convenience of their own home without the need of having to speak to anyone, justify their application or make any additional effort on their part. The availability of internet applications resulted in many people making applications they would normally have thought carefully about previously. Being easily available, people would apply for loans and credit cards simply because they were there for the taking, not because they either needed or wanted them.

Today, the level of consumer debt is a problem that is blighting the UK. However, of equal importance are the rising levels of bad debt, much of which is now in the hands of consumer debt collection agencies, such as Capquest, as lenders sell off their bad debt in an attempt to cut losses generated by the burgeoning levels of consumer debt. These levels of bad debt, whereby a consumer has accumulated more debt than they can afford to repay has seen a huge surge in the number of people seeking advice for debt problems, with the Consumer Credit Counselling Service (CCCS) claiming it had received 33 per cent more calls in the first quarter of 2007 compared with the same period in 2006.

Capquest Group is UK-based business and consumer debt collection agency specialising purchase, management and collection of both performing and sub-performing consumer debt.

posted by dancehuonk @ 11:20 PM 0 comments

Winter Recipes

Is it truth that sweets can be seasonal, like kinds of sport or cloth? Yes, they can. In winter its time for us to pass to all that dishes, we refused to eat in summer: thick, hot, nourishing and hearty.

What we need to eat in winter

All fruit with vitamin C it strengthens immunity and prevent from colds, give forces to us, tones up and cheers you up, like tea or coffee. Plenty of vitamin A is vital, as it controls our good adaptation to long gloaming and short light day, moreover, it makes our skin elastic, able to resist cold and freeze. So, we generously add citrus juices, rich in vitamin C, or black-currant syrup in all desserts.

Sea-buckthorn juice contains a lot of carotenes (provitamin A). Yolks contain natural vitamin A.

Immune system needs a lot of protein it produces antibodies of proteins, protecting us from flu and bugs. Milk, cream, sour cream are excellent sources of protein.

All hot dishes help nutritive materials to be completely assimilated and in cold weather protect us from excess weight as completely processed food almost is not saved in our organism as hypodermic fat, but burn during calorification. Thats why we like hot dessert drinks in winter so much. Kitchen herbs, improving blood circulation, have the same warming effect cinnamon, cloves, ginger, - and strong alcohol rum, brandy, whiskey and cognac, - that are generously added in fillings for pies, cakes, puddings, spice-cakes and cookies.

Warming sweet drinks

Do you always boil tea with water? Try to cook a mountain Scotch tea on milk! Pour a table-spoon of black tea with boiling milk (400 ml), leave covered for 7 minutes, add 2 table-spoons of flower honey or brown sugar to your taste. Children like this drink.

A mountain tea for a lady is very interesting. Whisk 2 egg yolks and 100 g of sugar in white foam and mix with strained hot tea, boiled on milk. A drink will be very nutritious obviously, in Scotland men liked Chubby Girl ladies with voluptuous shapes.

Note, - black tea, rich in tanning agents, helps organism to assimilate milk including people who stand milk badly.

You can drink hot juices, instead of usual tea, - orange or black-current ones, adding sugar to them and serving up 35% of whipped cream without sugar. A hot grape juice with a pinch on cinnamon, couple of cloves and a tea-spoon of orange peel is very tasty.

Forget about calories!

Of course, we wont do without hot chocolate in winter aromatic and piquant. Melt 70% brown chocolate (150g) broken to pieces on a water bath with milk (100 ml), then add a peel of one orange, half of tea-spoon of cinnamon and again 200 ml of hot milk. Mix everything carefully and boil to the boiling point. Remove from cooker at once. Whip 35% cream (200 ml) with a table-spoon of powdered sugar and fixing agent (1 packet) in think wavy foam. Pour hot chocolate in 2 big cups, cover with whipped cream and powder with cocoa powder or cinnamon. You can add liqueurs egg, amaretto, creamy, coffee, and also cognac or brandy in hot chocolate, instead of peel and cinnamon.

Note! Cranberry, cowberry, banana and coconut liquors and vodka dont go with hot chocolate.

It's as easy as pie

You never used half-stocks to cook cakes and pies? Youd have to. You will save powers, time and receive a wonderful tasty home product. Before baking, you can add melted butter to a half-finished product (instead of vegetable one, noted in receipt), and also candied fruits, raisins, dried apricots, prunes, orange peels, jam and grated black and white chocolate. As a result, you will receive a unique dessert. Or soak just baked chocolate cake you have taken out of oven 5 minutes ago with a mixture of 100 ml of brandy, warmed-up with a packet of vanilla sugar and a table-spoon of coffee. Then pour with chocolate icing of chocolate melted on a water bath (200 g).

Note! Almond or filbert you add in pastry before baking can greatly refine a cake you bought in a store. Calcine nuts in an oven under 200C during 5 minutes, peel them off and crush with a knife to big bits. You will need about 100 g of nuts for one cake.

Parfait Winter sun

Your husband will like this ice-cream with bitter sauce of brandy! Cooking:

We will need: 5 egg yolks, 150 g of sugar, 100 g of powdered sugar, 100 g of sea-buckthorn juice, 3 egg-whites, 300 ml of 35% cream

1. Warm up sea-buckthorn juice with sugar, wait until sugar dissolves and the liquid thickens.

2. Whip hot sea-buckthorn syrup together with egg yolks using mixer. Mass should increase its volume twice.

3. Whip cream into a wave foam. Mix it with the rest egg mass.

4. Whip egg-whites and powdered sugar in elastic thick foam separately.

5. Mix creamy-yolk and egg-white mass together carefully.

Put into mould and place in freezer compartment for 6 hours, till mass hardens.

Cooking a black sauce

We will need: 200 g of black 70% chocolate, 6 table-spoons of water, 120 g of sugar, 50 ml of brandy.

1. Boil water with sugar in a pannikin. Remove from fire and leave for a while.

2. Add chocolate broken to pieces in syrup. Place on slow fire. Mix until chocolate melts, then pour brandy.

Cool sauce till room temperature and serve up with ice-cream.

Right winter desserts
1. Cake and pretzel
2. Hot patties with jam or nut filling
3. Pies with nuts, chocolate, cotton cheese
4. Biscuit pies
5. Pastry
6. Dessert cream
7. Creamy ice-cream

Wrong winter desserts
1. Fruit jelly
2. Yoghurt cakes
3. Curd cakes with gelatin
4. Open pies with berries
5. Berry mousse
6. Light yoghurt ice-cream

Yana Mikheeva is the creator of All about women site, it is an on-line resource for women and about women. Here you can find articles on various subjects, such as: diets, receipts, health, cellulite, figure, aromatherapy, wholesome food, psychology of relationships, pregnancy, parenting, fashion and many others. She also has Blog for women.

posted by dancehuonk @ 10:42 PM 0 comments

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posted by dancehuonk @ 7:02 PM 0 comments

Hearing Our Seriously Distressed Adolescents

The distressed adolescent often has feelings of abandonment, emotional detachment, withdrawal, and isolation. These children begin to develop an intense anger directed towards an adult society that they feel has hurt them and does not understand them. Parents need to to learn how to build relationships with these children and this can be accomplished through a process of emotional coaching, of allowing the child to express their feelings without judgment while providing clear guidance, limits, and expectations. It is often inconsistency and lack of clear guidance from parents that further the struggles for these children who then begin to seek guidance from misinformed peers.

These children need love, affection, and a non-judgmental atmosphere. If love does not come from a meaningful and sustainable adult relationship then it will take on a new and contorted character where the concept of 'love' cmes from trying to be accepted by peers (even if they be negative ones) as the child will know that they will find a source of non-judgment and will be 'liked' even if it causes their eventual self-destruction. Affection that is not provided by adults who should be responsible, is then replaced by irresponsible sexual activity where the brutal teen porn not only seeks for pleasure in a world that often provides only hurt, but feels once again that through sex, they can find a sense of acceptance and supposed emotional connection.

Some brutal teen porns are so hurt and are suffering from the adults in their lives and the chaotic environment in which they dwell, that they turn to 'radical rebellion'. This can be seen with those children who are 'cutters' as well as those into such movements as punk and goth. With cutters, the emotional pain and trauma they have experienced is so intense, that their mental anguish manifests itself physically through the act of cutting. For the goth brutal teen porn, who dwells in a world of emotional darkness and frequent experiences of despair, once again, this mental anguish displays itself in physical signs through the wearing of dark clothing, dark objects, body piercings and fascination with things associated with death. There are also those brutal teen porns who involve themselves in gangs as they are seeking a sense of connection with a 'family', even if this 'family' causes them to engage in dangerous behavior. The desire for a connection with someone who they feel will accept them outweighs their thoughts any sense of danger or risk.

brutal teen porns are seeking autonomy, but they must be taught by responsible adults that this autonomy they desire also comes with responsibility. Many brutal teen porns who are distressed feel that they are controlled and are criticized. Rarely, are distressed brutal teen porns positives and strengths accentuated but teachers, parents, and others frequently focus on the negative. The child enters despair and has no motivation or drive to change because they have been taught by the adults around them the attitude of 'why bother' and the feeling that they are without worth.

Parents and others must stop looking at the child as the 'problem' or try through various means to uncover some 'hidden problem' or try to blame the problem on others. If the parent can be honest and instropective, no matter how difficult and even painful that may be, they will find that there are ways that they can help alleviate the suffering of their child and they may even uncover that there were ways they contibuted to this suffering. This does not mean the parent must wallow in guilt, but rather to recognize the things that must change for the brutal teen porn and the family to have a more harmonious relationship.

Dr. Dan L. Edmunds is a noted therapist and consultant with children and families who ahve experienced trauma and emotional challenges.

posted by dancehuonk @ 5:17 PM 0 comments