Expert Author: Dr. Jennifer Baxt, DMFT, NCC, DCC | Category: Credit Cards It is very important that as a credit card holder, you understand credit card interest rates. Credit card interest rates are not as simple as simply charging interest on your credit card purchases as in four percent on whatever you owe. It is a bit more complicated than that and the inability of many people to understand this is what leads them to getting deeper into debt. Credit card interest can add up quickly and create a vast amount of debt before you know what has happened.
Expert Author: Dr. Jennifer Baxt, DMFT, NCC, DCC | Category: Credit Score Credit scores are a big part of our lives. Credit scores are what dictate what we can buy, what kind of homes we can get and what kind of cars we can buy. If we have good credit, it is easy to get these things, but if we have bad credit, we may find that it is harder than we imagined to get a home, car or credit card. With a poor credit score, interest rates can be very high. A high interest rate can lead to a difficulty making payments.
Dealing with stress is something that many people can have some difficulty in doing. Some people are natural with how they deal with their stress, and it works well for them. Others are completely lost when trying to figure out how to deal with their stress, and then there are those who simply try to ignore their stress. Stress, any kind of stress regardless of what it is, can put pressure on a person’s mental and physical health.
With Christmas just around the corner and New Years not far off, people are soon going to be thinking of what new promises they would like to make to themselves for 2009. There are many out there who don’t think too much about making new resolutions, either because they don’t believe in doing such a thing or they have never been able to keep up with them in the past.
It is not uncommon to hear adults talk about how teenagers shouldn’t feel so stressed as they a have it easy in life. While this may be true for some, teenagers are actually exposed to many kinds of stress that can be quite the burden. The stress in teenagers can be caused by many things, including school, competing in sports, trying to fit in extracurricular activities while attempting to get all their homework done, not fitting in well with the crowd at school, dealing with the high expectations on them from their parents and teachers, and trying to achieve their goals of earning scholarships and getting into the college or university of their choice.
Who doesn’t become a little nervous when it is time to take a test? It is a common occurrence in schools, especially in post-secondary institutions such as universities and colleges, where students will suffer some stress and anxiety before and during a test or an exam. Why do they have anxiety? Many suffer anxiety because they are concerned about their future.
Expert Author: Dr. Jennifer Baxt, DMFT, NCC, DCC | Category: Parenting Let’s be honest, the problem of teenage drinking doesn’t enter the mind of most parents, especially when looking into those innocent eyes of a baby. How can they possibly grow into a teenager with an alcohol problem? It may not seem possible that it could happen to your child, but the reality is that it can and for many it will. Turning a blind eye to the possible problem and not taking any preventive measures will only make it more likely to happen. It will also most likely mean that getting the teenager to accept they have a drinking problem and deal with it will be more difficult to do.
Expert Author: Dr. Jennifer Baxt, DMFT, NCC, DCC | Category: Credit Score Nothing has a bigger effect on whether or not you can get a loan, how much interest you pay and how credit will affect your life, than the FICO score. Fair Isaac Credit Organization (FICO) is the leading credit report company in the United States, and the number they assign your credit dictates your future. The scores range between 300 and 850. The lower the number you have, the worse your credit is. If you have a score of 300, your credit is classified as completely abysmal. There is no way you can get any type of credit, and even if you somehow did, your interest rate would be so high you could never afford to pay it back.
When your credit becomes difficult to manage, it can be tempting to simply declare bankruptcy and hope that everything works out down the road; however, this is the exact wrong thing to do, and as a credit holder it is up to you to honor your debts. Not to mention that bankruptcy can literally destroy your credit for years, lowering it by as much as 200 points and keeping you from getting a home, car or any type of loan for as little as seven years, or as much as ten years. Bankruptcy is not a good solution and will stay on your credit for up to twelve years, keeping you from getting the good interest rates you were hoping for.
Graduating can be a good stress, because the knowledge that the days of long reports, essays, homework assignments and exams are coming to an end. Not only that, but it will soon be the moment that most have been anxiously waiting to get to for three, four or seven long years. However, accompanying those thoughts are the worries of increasing debt with every year one spends in school.
Expert Author: Dr. Jennifer Baxt, DMFT, NCC, DCC | Category: Credit Cards Nearly everyone over the age of 20 has at least one credit card. For some, getting a credit card is a process to adulthood, but sadly many people do not realize the full effects that credit cards can have on their credit score. Credit cards are incredibly important to establishing your credit, but if you use them unwisely, they can destroy your credit almost as fast as a bankruptcy.
Expert Author: Dr. Jennifer Baxt, DMFT, NCC, DCC | Category: Psychology Losing a job, regardless of the reasons, can be an extremely stressful time for anyone, especially if finances are tight. With the way things are going in the economy and stock market these days, many employees, even those who have been with the company a long time, are running the risk of losing their jobs. Companies are trying very hard to stay in business; unfortunately, one of the many things they do to accomplish this is to save money by having fewer salaries and wages to pay. They can no longer keep on as many employees, so they lay some of their workforce off.
Expert Author: Dr. Jennifer Baxt, DMFT, NCC, DCC | Category: Psychology Dealing with past trauma is not an easy task, especially when some will try to work it out on their own. Unfortunately, many believe that the only way to deal with the trauma is to either ignore it or block it from their memory; neither are healthy or long-term ways to deal with such trauma. Not dealing with it means that the emotions have not been dealt with and healing can’t begin.
Expert Author: Dr. Jennifer Baxt, DMFT, NCC, DCC | Category: Finance In the United States, millions of people are finding themselves in debt. People are now suffering with more debt than they can handle and it’s causing many to attempt a drastic action; bankruptcy. Many see bankruptcy as a win-win solution for them. They wipe all their debt clean and, in only seven years, they are able to get perfect credit again when the bankruptcy is taken off their record; however, what many people do not realize is that it can stay on your credit score for as much as twelve years.
When most think about the causes of stress, they tend to think about a place they have to go to where they feel the most stress, such as work or school. Stress-causing situations people will not think about include going somewhere new, or going through some major changes in their own home. Changes of any kind in the home can create a great deal of stress, even if most don’t realize it.
Expert Author: Dr. Jennifer Baxt, DMFT, NCC, DCC | Category: Credit Repair These days, people are finding that their once solid credit rating has fallen faster than the stock market, and they are in danger of spending the next few years dealing with high interest rates and credit rejections. Millions have been foreclosed on, gone bankrupt or fallen behind on their bills during these tough economic times, and they are looking for a way out.
Expert Author: Dr. Jennifer Baxt, DMFT, NCC, DCC | Category: Psychology When someone has an intense fear of sound and noise, they are probably suffering acousticophobia. These people have such a fear of sound that they will often be easily startled, sweat, become more nervous, or feel extremely anxious. Fear is a natural instinctive feeling that people have in order to remain safe. When this fear becomes magnified too much it can cause a person great disruption in their lives, especially in the case of acousticophobia. There are always sounds going on around us and for someone to have a fear of these sounds can make life a nightmare for some.
Expert Author: Dr. Jennifer Baxt, DMFT, NCC, DCC | Category: Psychology Psychotherapy is used in online counseling a single individual, a couple, a marriage, or even a family. It is where the online therapist, or the online counselor, will help the patient(s) improve their mental health through various different techniques, such as conversation, artwork, drama, or therapeutic touch. It is probably one of the older forms of therapy as it appeared to have started in the early 1800s, though it is believed it may have already started in the Middle East many centuries earlier than this.
Expert Author: Dr. Jennifer Baxt, DMFT, NCC, DCC | Category: Psychology The first few years of becoming a parent can be the best years, but it can also be the most trying. This is the point where the strength of the relationship between the married couple will be tested. Becoming a parent is not easy, especially if a couple did not prepare for it. Others carefully plan for it and have little difficulty with starting a family.
Expert Author: Dr. Jennifer Baxt, DMFT, NCC, DCC | Category: Psychology Psychoanalytical therapy is meant to go deep into the patient’s subconscious to find what is at the root of his or her conflicts and motivations that have an affect on the emotions, attitude and his or her behavior. Usually, this is done through analyzing the dreams the patient has had, or by using the technique of free association where the patient is supposed to say the first thing that comes to mind in response to a picture, or word.
