debt-relief information

Learn how to get out of debt - debt-relief

 

Debt is apt digit one catch in the United States Today. The be an average of American category has at least $8,000 in belief card debt and most seminary students who just adjust from academy have $3,000 to $5,000 belief card debt in their first year after college.

I love what the come to nothing of the wisdom concentrate Dr. Mike Murdock says about debt, he says that "Bad debt is a sign of lack of monetary wisdom. " If we don't know what to do with our money, we tend to spend it on amazing that will lose ideals in times. Robert Kiyosaki calls the equipment that will lose value "Doo Dads" Doo Dads can be a luxury car, a boat, jewelry, dear clothes and so on.

Most colonize are never skilled economic awareness by their breed or when they are in school. So as soon as they get out of school, they go crazy, since a lot of banks are present them acclaim cards as soon as they be over their academy education. They start import clothes now and pay later. What they don't apprehend is that acclaim cards' appeal is very high! It can be 18 to 29%. If you make late payment and go off permitted limit, the penalty cycle appeal rate is awfully high!

It will take 20 years to pay off $1000 acknowledgment card debt if you only make the least payment every month. So be cautious and watch out already you come to a decision to buy something. Be cautious of the words "Easy low monthly payment. " They are very deceiving. When you get into debt, you will have to pay the activity if you can't make the payment in full.

Why the catch is in receipt of worse? Most citizens fairly spend their money on study movies, ingestion out and export clothes instead than import books, tapes and videos that will teach them pecuniary knowledge. They are not affect about their fiscal well being. Bring to mind this, "What you don't respect, it will flee away from you. " If you don't acknowledge your monetary life, you will find manually deep down in poverty. Economic blessing will flee away from you if you don't abide by it.

Most ancestors who are greatly in debt do not want everybody to know that they are in debt. They are scared when their acquaintances tell them that they have been costs too much. They get offended when a celebrity tells them to get help or to buy books, tapes or go to a economic colloquium that can give them monetary comprehension and information, so they can learn to dig themselves out of their debt. They never consult and chat about their monetary challenge with a capable pecuniary conspirator or mentor.

What do I do now? Well delay of fulfillment is one of the solutions; don't buy it if you don't have the money to buy it! Wait, wait, and wait! I know it is very hard to fight on your emotion. You want the clothes you want today as a substitute of tomorrow, but branch of learning physically when it comes to buying.

It doesn't make any sense to buy a brunette table that cost $200 on accept and in 1 year you have to pay the bank $800 for the auburn table as of the appeal that comes from the acclaim card. You can't even sell the table for $200 anymore! Be smart; use your mind beforehand you buy, not your emotion, as our emotion can defraud us. Think, think and think, already you acquire something. Pay it cash if you exceedingly want it. Don't trade your expectations for today's gratification.

Get monetary education! Get it now and don't delay it. You can at all times earn your money back, but you will never be able to earn your time back. The longer you delay the course of action of learning, the deeper you will get into debt and economic trouble. One of best monetary instruction tool that is existing today is "Choose to Be Rich Series" by Robert Kiyosaki. There 12 tapes or CDs and one video that talk about how to develop into financially literate.

It cost $150 to $200, but its well worth it. If some ancestors are agreeable to pay $20,000/year to go to college, why can't they spend $200 on monetary data that will teach them to be smart financially for life! Don't be miserly to by hand when it comes humanizing your awareness and education. If your gas tank for your car is worth $60 to fill up it, your brain is worth more than $60.

Run a fiscal statement! You must know how acutely in debt you are! I love the depth indicator in every swimming pool. It tells me how deep the pool is, so I know what to expect. If you're not a good swimmer, you'd beat stay in the pool that is not too deep, but as you befit a change for the better swimmer, you will be able to move to a deeper pool level.

Many associates drown since they don't pay consideration on the depth indicator in a swimming pool. It can be very fatal when a big name doesn't know how deep the pool is. The same thing can ensue if you don't know how genuinely in debt you are.

You must know how deep your debt is! I am astounded that most associates I talk to never look at their bank and belief card statements and they are not sure how much money they owed to the bank! When I ask them, how much do you owe the bank, they told me that they are not sure, or they are too scared to see their pecuniary statement, but they are creation their monthly payment and they don't even know the appeal rate of their acclaim card!

Write it on a piece of paper, get the total consider you owed, so you know how to set a goal in paying off your debt. Consider this; you can't hit a aim that doesn't exist! You must write it down on a piece of paper, or even a cpu software programs like Microsoft Money or Speed up that will help you to keep track all of your expenses.

One thing that I found very beneficial is having a PDA (personal digital assistant) or Compact PC to keep in track your expenses. A PDA or Bag PC can help you compare your bank accounts, acknowledgment card balance sheet and deal with your expenses.

Look each one makes mistakes, it's human but we can't make the same mistakes over and over again! We have to learn from our mistakes and learn from them. The alteration among the have and the have not is the total of accurate functional in sequence that they have.

© Copyright 2005 http://www. pebden. com, Author: Entjik Jeffrie, All Human rights Reserved.



MORE RESOURCES:

Resolvly Helping Consumers Enforce Their Rights  Associated Press

Press release *content* from ACCESSWIRE. The AP news staff was not involved in its creation.


We need Sen. Elizabeth Warren's plan to forgive student loan debt and save middle class  USA TODAY

Sen. Warren's plan treats college as a public good and ensures that a college degree really does offer a promise and a pathway to the middle class.


Income-based repayment is the best solution to student debt  Quartz at Work

Here's the problem with student debt: It's only a problem for some people. Americans of all ages owe almost $1.5 trillion in student loans and so many Americans ...


Castro Plan Backs Free College, Targeted Debt Relief  Inside Higher Ed

Former San Antonio mayor Julián Castro, one of the candidates vying for the 2020 Democratic presidential nomination, released a comprehensive education ...


The failed promise of student debt relief - IndianCountryToday.com  Indian Country Today Media Network

Plan to forgive public-*service* workers' student loans is off to rocky start.


Metro Detroit colleges offer debt relief to former students  The Detroit News

Students who attended but did not graduate from three Metro Detroit higher education institutions will have the chance to cash in on a new debt forgiveness ...


SCHMIDT: Proposed bill could provide family farm debt relief - ThePierceCountyTribune.com | Rugby, Pierce County and North Dakota news, sports and information  Pierce County Tribune

If passed, the Family Farmer Relief Act of 2019 will increase the debt limit to $10 million. The 2019 financial outlook for U.S..


Elizabeth Warren's student debt relief plan: Economic impact on GDP, job growth  CBS News

The senator says wiping out college debt could create an "enormous middle-class stimulus." Economists agree — with caveats.


Find out if you qualify for a student loan debt forgiveness program  KTRK-TV

Consumer Reports say there may be relief ahead if you qualify for a student loan forgiveness program.


Debating Sen. Warren's Proposal For Free Tuition And Student Loan Debt Relief  WBUR

Two experts discuss the pros and cons of offering tuition-free public college and significant debt relief for current student loan borrowers.


Door and Kewaunee families get life-saving medical debt relief  DoorCountyDailyNews.com

Some families facing huge medical expenses in Door and Kewaunee Counties have been saved from large debts for medical treatment. Life Church of Green ...


Conservatives Have a Different Definition of ‘Fair’  The Atlantic

When the Democratic presidential candidate Elizabeth Warren put forth a sweeping plan to cancel student debt last week, she also exposed the deep divide ...


Katko, Democrats: Student loan debt should be eligible for bankruptcy relief  syracuse.com

GOP Rep. John Katko joins with Elizabeth Warren, Jerry Nadler on bill to forgive student debt.


Warner reintroduces student debt relief bill  FairfaxNews.com

With the Senate preparing to reauthorize the Higher Education Act, Sen. Mark R. Warner (D-VA) today reintroduced three pieces of legislation aimed at providing ...


Financial Preparation Services Helps Students Get Approval For Debt Relief Program  Associated Press

Press release *content* from ACCESSWIRE. The AP news staff was not involved in its creation.


4 reasons why forgiving U.S. student debt makes sense  Yahoo Finance

That kind of debt relief would have clear benefits, according to a new report from the National Bureau of Economic Research (NBER).


Maroney Applauds Advancement of Student Loan Debt Relief Law  Patch.com

Maroney Applauds Advancement of Student Loan Debt - Milford, CT - The bill earned bipartisan support and will help address the growing student debt crisis.


Elizabeth Warren proposes debt relief for Puerto Rico  Boing Boing

Puerto Rico has endured decades of looting and austerity from the finance sector who then used the pretense of Hurricane Maria to impose radical financial ...


Elizabeth Warren introduces a calculator for her student debt forgiveness plan  CNN

Washington (CNN) Sen. Elizabeth Warren is promoting an online calculator that shows voters just how much -- exactly -- they'd benefit from her proposal to ...


Wayne County Community College offers former students debt relief  The Detroit News

Wayne County Community College District joins three Metro Detroit institutions to offer former students debt forgiveness if they return to classes.


'I could actually plan my life': What student debt forgiveness would mean for borrowers  CNBC

When Elizabeth Warren released her sweeping student debt forgiveness proposal last month, many borrowers imagined how their lives would transform if their ...


Tips for avoiding credit repair, debt relief scams  KXAN.com

If your credit score is lower than you'd like and getting out of debt seems like an uphill battle, turning to a credit repair or debt relief company may seem like a ...


One way to tackle the student loan crisis: bankruptcy court  The Washington Post

Why is student loan debt treated differently than all other consumer debt?


Finance Committee Passes Student Loan Debt Relief Legislation  Greenwich Sentinel

On Tuesday, May 14, the Finance Committee passed Senate Bill No. 72, a bill that would make Connecticut a more affordable state for recent college graduates ...


Elizabeth Warren's loan forgiveness plan won't be the windfall for the rich some feared, a study says  CNBC

A study analyzing 2020 candidate Elizabeth Warren's student debt relief plan may reduce concerns about a windfall for the wealthiest Americans.


Elizabeth Warren's plan to cancel student debt is popular with voters, survey finds  CNBC

The majority of American voters support Elizabeth Warren's student debt cancellation proposal — even those who've never taken out loans themselves.


Local woman loses thousands from student debt relief fraud  KLFY

A local woman lost thousands of dollars from a student loan forgiveness company.


The Trouble With Elizabeth Warren's Plan To Forgive Student Debt  WBUR

Warren's student debt forgiveness plan is needlessly expensive, writes Rich Barlow, giving too much to those who don't need the help.


Sen. Warren: Here's how I'll pay for student debt relief  CNN

2020 Democratic presidential candidate Sen. Elizabeth Warren explains how she plans to pay for her student debt forgiveness platform during a CNN town hall ...


Hospitals required to pay debt relief as part of settlement  San Francisco Chronicle

BREMERTON, Wash. (AP) — A Washington not-for-profit health organization has been ordered to pay as much as $25 million in patient debt relief, restitution ...


Billionaire Offer to Pay Off Student Debt Doesn’t Fix the Student Loan Crisis  Energy & Capital

It was a beautiful gesture, and one that will not be forgotten anytime soon. Billionaire investor Robert Smith, while delivering his commencement address at ...


Program to Relieve Student Debt Proves Unforgiving  The Wall Street Journal

More than a decade after Congress set up a way to erase student debt for people who hold public-*service* jobs, the system is in disarray. Around 73000 people ...


Is Warren's student debt relief plan regressive? Not entirely. - AEI  American Enterprise Institute

View related *content*: Economics, Education, Higher Education. The impact of Senator Elizabeth Warren's (D-MA) student debt relief plan on different income ...


Elizabeth Warren's student debt plan reopens fight on how to deal with the college crisis  CNN

Elizabeth Warren's new plan to cancel most student debt and make tuition free at public colleges is reopening a fight about the fairest way to make college more ...


Sen. Harris breaks down her student loan debt initiative  CNN

2020 Democratic presidential candidate Sen. Kamala Harris (D-CA) explains how she plans to pay for her student debt forgiveness proposal.


Internet searches for Biden spike as Warren’s student-debt relief plan generates buzz  MarketWatch

Google searches are increasingly used as bellwethers for politics, and it looks like Vice President Joe Biden's campaign launch has generated strong interest...


The Grind Won't Save Us, But Student Debt Forgiveness Might  ELLE.com

I can't afford to pay off the loan I took out to survive because I'm still trying to survive. Student loan debt forgiveness could change that.


Student debt vs. the politics of resentment  The Washington Post

Embracing jubilee over usury, forgiveness over blame, seems both moral and pragmatic.


Forgiving Debts May Boost Employment During Recessions  Yale Insights

During economic downturns, reduced consumer spending contributes to job losses. A new study by Yale SOM's Paul Goldsmith-Pinkham and his co-authors ...


CHI Franciscan hospitals required to pay debt relief as part of lawsuit settlement  Kitsap Sun

CHI Franciscan will be responsible for as much as $25 million in patient debt relief, restitution and fees as part of the settlement of a lawsuit brought by the state ...


Schenevus Debt Relief Proposal  WUTR/WFXV - CNYhomepage.com

Eyewitness News has continued to follow the $700000 deficit facing the Schenevus Central School District. A new proposal includes a tax spike for homeowners ...


Tammy Baldwin helps reduce student debt relief scams  Advance Titan

U.S. Senators introduced the bipartisan Stop Student Debt Relief Scams Act, legislation that would enhance efforts to identify and shut down student debt relief ...


Student Loan Debt Relief Company Takes Nurse's $699, But Gives No Help  CBS Chicago

Some 43 million Americans have student debt; borrowers across the country owe $1.5 trillion on federal student loans. CBS 2 Morning Insider Lauren Victory ...


Sen. Warren Introduces Bill Making Bankruptcy Relief Available for Student Loan Borrowers  framinghamsource.com

The following is a media release from Sen. Elizabeth Warren's office. She is one of two individuals elected to represent Massachusetts in the U.S. Senate.


States Tempt Recent College Graduates With Student-Loan Payoffs  The Wall Street Journal

Nearly 20 states are trying a new legislative tack to lure recent college graduates: paying off their student loans. The programs, many of which were adopted in ...


The sabotage of public service student loan forgiveness  CNN

Tim Kaine and Randi Weingarten write that the bipartisan Public *Service* Loan Forgiveness program offers us an opportunity to do right by public servants and ...


Small borrowers to get debt relief under new personal bankruptcy scheme  Livemint

NEW DELHI: Small borrowers with annual income up to ₹60,000 are likely to get automatic relief for any unsecured loans they are unable to repay, according to ...


Greece Warned About Widening Spreads and Risk of Missing Targets  Bloomberg

Less than a year after Greece escaped the shackles of its bailout program, it runs the risk of going rogue.


Student loan forgiveness programs  WITI FOX 6 Milwaukee

Over the next few weeks, many students across the country will be graduating from college with a diploma—and student loan debt. If you're one of them, ...


Here's how the government’s new debt relief scheme for small business owners will work  Business Insider India

The Ministry of Corporate Affairs, in conjunction with the Insolvency and Bankruptcy Board of India - which oversees the country's bankruptcy code - are ...


Greek economy shows promising signs of growth  Financial Times

Prospects for the country's further economic recovery in the light of the reforms and policies in place.


A Student Loan Debt Game Show Is Silly, But Host Michael Torpey Sees Its Humor as Helpful  Newsweek

Sure, a game show that gives contestants an opportunity to win a cash sum equivalent to their student loan debt is ridiculous. However, humor is exactly what ...


IRS Tax Relief Is Possible For You - Income Tax Legal Blogs Posted by Joseph M. Callahan  Lawyers.com Blog

IRS Tax Relief Is Possible For You - Read the Income Tax legal blogs that have been posted by Joseph M. Callahan on Lawyers.com.


Alabama: Stagnant and poorly educated (3 creative ideas)  AL.com

Alabama on the verge of being irrelevant. What we can do about it.


Understanding Florida's Private Student Loan Statute of Limitations  South Florida Reporter

Few things are more frustrating than defaulting on your student loans. Think about it: You take out loans to pay for an expensive education to better your life, then ...


Japan pitches high quality infrastructure exports to central Asia  Japan Today

Japanese Foreign Minister Taro Kono pitched to his central Asian counterparts on Saturday what his country calls high-quality infrastructure exports, as China ...


There are glimmers of a Green New Deal in Inslee's big new climate plan  Grist

The little-known governor of Washington state just unveiled the ambitious second phase of his climate plan, and there are more pieces of the puzzle to come.


Uganda's Economic Outlook in Six Charts  International Monetary Fund

Uganda's economy continues its robust recovery with projected growth of 6.3 percent in FY2018/19. Timely implementation of public infrastructure and ...


Eskom task team mulling new debt-relief options as it comes to terms with depth of crisis  Creamer Media's Mining Weekly

The Eskom Sustainability Task Team – which has already had its proposal for the unbundling of the utility into three separate units accepted by government – is ...


'I've got a plan': Elizabeth Warren's running as the policy wonk candidate and her poll numbers keep going up  Business Insider

From April to May, Warren has jumped eight points in Quinnipiac University's poll from the previous month.


4 Things to Consider When Choosing a Debt Relief Service  Credit.com News

Debt relief services can save you from filing for bankruptcy. But not all services are worth it. Consider these things before you choose debt relief.


DEBT SETTLEMENT MARKET RESEARCH 2018 GLOBAL KEY PLAYERS ANALYSIS, OPPORTUNITIES, GROWTH, TRENDS AND FORECAST TO 2025  Amazing Newspaper

This report covers market characteristics, size and growth, segmentation, regional breakdowns, competitive landscape, market shares, trends and strategies.


Labour leader supports payouts to former colonies | News  The Times

Britain should consider paying reparations to its former colonies, Jeremy Corbyn has said. The Labour leader agreed in an interview with the musician Gaika for ...


Bucks survive Raptors’ early flurry on the strength of Brook Lopez’s career night  The Washington Post

Top-seeded Milwaukee outscores Toronto 32-17 in fourth quarter to rally for a 108-100 win in Eastern Conference finals opener.


ESM extends by 10 years maturity of €96.3 billion of loans to Greece | TornosNews.gr  Tornos News International Edition

The maturity for European Financial Stability Facility (EFSF) loans extended to Greece over the 2012-2014 bailout period, reaching the stratospheric level of ...


Education Department Has Stalled on Debt Relief for Defrauded Students  The New York Times

The Education Department failed to approve a single application for student loan relief in the second half of last year, according to new data, defying court ...


Borrower Beware: Freedom Debt Relief  NerdWallet

Freedom Debt Relief paid millions of dollars in fines and settlements and faces a federal lawsuit alleging it did not deliver help it promised to consumers.


Will Democratic Party Elites Dictate Its Primaries Again?  Truthout

The Democratic elite will fight any real threat to their status quo, as they did in the 2016 primaries and caucuses.


Does Turning to Debt Relief Companies Help Erase Debt?  NBC Southern California

Do debt relief companies work when people are drowning in debt? Randy Mac investigates on NBC4 News at 6 p.m. on Feb. 18, 2019.


3 major new laws Ramaphosa is set to sign now that the elections are over  BusinessTech

Having secured his election as president, Cyril Ramaphosa will have a number of new laws waiting for him upon returning to office. Below BusinessTech looked ...


She fell for a common student loan forgiveness scam. You don't have to.  USA TODAY

Facing more than $80,000 in student loan debt, Tiffany Tatafu did what thousands of other student loan borrowers do: She searched for answers on her phone.


Medicare for All Might Require Student Debt Relief to Work  Pacific Standard

High doctor pay keeps American health-care costs high. Without debt relief, it will be hard to get doctors on board for lower pay.


Santee Cooper Showdown: Chaos Abounds  FITSNews

The 2019 session of the South Carolina General Assembly ended in disappointing fashion for those hoping the Palmetto State would finally sell Santee Cooper ...


Democratic state senators propose student loan debt relief | News  witf.org

(Harrisburg) -- Three Pennsylvania state senate Democrats are launching a plan to help people with student loan debt. Sen. Vincent Hughes, who represents ...


Make Debt 'Relief' Your Last Resort  Lifehacker

Should you trust a debt relief company? That's what we're looking at this week.


Debt relief improves psychological and cognitive function, enabling better decision-making  Science Daily

A new study demonstrates that reducing the number of debt accounts lowers the mental burden of the poor, thereby improving psychological and cognitive ...


At this company, you can trade a vacation for student loan relief  CNBC

Employee benefits provider Unum recently announced that starting next year, U.S. workers can trade up to five days of unused vacation time for a payment ...


The Truth About Credit Card Debt Forgiveness  U.S. News & World Report

Credit card debt forgiveness won't fix all your debt problems, but can be a good option for some consumers.


Feds arrest student debt-relief CEO who allegedly scammed borrowers out of $28 million  MarketWatch

In the summer of 2017, Beverly Sills, a Memphis, Tennessee Veterans Affairs Hospital employee, discovered she hadn't made a payment on her student loans ...


Weighing the pros and cons of student loan debt relief  OCRegister

More than 37 million current and past American college students, and 8 million of their parents, now owe $1.5 trillion in student loans — the highest amount in ...


Public Service Debt Relief Is Broken  The New York Times

The program that's supposed to help teachers and others with their loans isn't working.


Freedom Debt Relief Hits Record $10 Billion in Debt Negotiated for Consumers  PRNewswire

SAN MATEO, Calif., Feb. 26, 2019 /PRNewswire/ -- A member of the Freedom Financial Network (FFN), Freedom Debt Relief (FDR) has enrolled more than ...


Delayed Obama-Era Rule on Student Debt Relief Is to Take Effect  The New York Times

A federal judge has opened the door for tens of thousands of borrowers to have their debt forgiven, delivering a blow to the Education Department, which ...


IMF’s $6 billion loan to Pakistan risks supporting its terror infrastructure  Observer Research Foundation

By restricting itself to economic indicators, the IMF risks becoming a partner that ends up funding Pakistan's terror activities.


5 Reasons Debt Relief Programs Cause More Pain Than Relief  Forbes Now

Debt relief programs seem too good to be true because they are. Not only do they hurt your credit and cost you; you may end up worse off than when you started.


How To Kick Debt To The Curb: Advice From The Experts  Forbes Now

With total consumer debt at an all-time high, surpassing even those levels from the Great Recession, getting out of debt has become the new American dream.


New Chapter 12 Bill Would Provide Debt Relief to More Family Farmers  Farm Bureau News

The recently introduced Family Farmer Relief Act of 2019 (S.897) will help family farmers reorganize after falling on hard times, which more and more of them are ...


EU unhappy with Greek reforms, debt relief in doubt  The Associated Press

BRUSSELS (AP) — Greece's bailout creditors say the country has fallen behind on several key reforms that have been set as a condition for debt relief worth ...


Senate Democrats press Betsy DeVos on backlog of 140,000 student debt-relief claims  Chicago Tribune

More than 140,000 applications for student debt relief are pending at the U.S. Education Department, and Education Secretary Betsy DeVos could not tell ...


Some Washingtonians to get more than $7.6 million in student debt relief  KIRO Seattle

More than 3000 people in Washington can expect to see student debt relief totaling more than $7.6 million, the state attorney general's office said Thursday.


Greece Clears Debt-Relief Cash Hurdle With EU Commission Nod  Bloomberg

Greece cleared a key hurdle toward receiving around 1 billion euros ($1.1 billion) in cash for debt relief, as the European Commission said the country has ...


AG Ferguson obtains more than $7M in student debt relief for thousands of Washingtonians from for-profit college  Access Washington

For-profit education company Career Education Corporation misrepresented the cost of attendance and job placement rates to its students. OLYMPIA — More ...


Greece's bailout lenders approve big debt relief payout  Fox News

Greece's bailout creditors have backed a payout worth $1 billion to Greece as part of a debt relief package after the eurozone country carried out a series of ...


Venezuela's Guaido Says Opposition Seeks Financing, Debt Relief  Bloomberg

Venezuela's opposition would seek financial relief and a renegotiation of the nation's mounting foreign debt if it was recognized as the rightful government, Juan ...


Maine is offering student loan assistance to people who live and work in the state  CNBC

Known for its lobster and lighthouses, Maine also has one of the oldest populations in the country, with a median age of 43. To attract younger workers, the state ...


A New Means of Student Debt Relief Could Be on the Table  The Motley Fool

The cost of college has risen exponentially over the past few decades, and graduates are coming away increasingly saddled with debt as a result. The problem ...


Student debt forgiveness is really, really popular among Democrats.  Slate

Come 2020, at least one major Democratic candidate for president is going to campaign on outright canceling a boatload of student debt.


North Rockland budget proposals seek Mirant debt relief dollars  The Journal News | LoHud.com

Sen. James Skoufis and Assemblyman Ken Zebrowski drafted the resolutions and hope the governor adds it to his budget in April.


Farmers Throng India's Capital, Demanding Higher Crop Prices, Debt Relief  NPR

Tens of thousands of farmers from across India took to streets of the capital on Friday, demanding relief from debt, higher prices for their produce and a special ...


Developed by:
home | site map
goldenarticles.net © 2019