Young people, money and debts

Adolescents and young adults are often portrayed as “consumer idiots” in public, media and sometimes even professional discourse. If one believes these descriptions, youth debt is a widespread and alarming phenomenon, the causes of which can be quickly identified: The “wrong” handling of money, the lack of knowledge about finance, poor planning skills and the uncontrolled fulfillment of consumer wishes are the common explanations for financial difficulties towards over-indebtedness among young people. In the media, for example, photos of young people with shopping bags on shopping streets, with cell phones or expensive branded clothing, and when pulling out their golden credit cards dominate.

This attitude is also the basis of many surveys on the subject.

money problem

According to the indebtedness report of the Institute for Financial Services (iff), a “lack of general financial education”, “uneconomical housekeeping” and “consumer behavior” are relevant triggers for over-indebtedness. Even more impressive are the frequently quoted results of the survey by the Federation of German Debt Collection Companies (BDIU), which explicitly refer to the group of young adults: “Excessive consumption expenditure”, “Bad example of the parental home”, “Too little personal responsibility “and” too little knowledge of the economic context “are listed here as the main reasons for debt among young adults. 

From a scientific point of view, however, this data is not very reliable. The results of the iff over-indebtedness report are based on surveys of debt advice centers, whereby “uneconomical housekeeping” or “lack of financial literacy” are defined as possible explanations in advance in the form of predefined answer categories. The BDIU study is creditor-oriented and based on assessments by employees of the debt collection companies involved. In this respect, the data from these studies essentially reflect the opinions of employees of the relevant organizations about debt relationships.

Conversely, from this perspective, the prevention and handling of financial difficulties or debt in young people is relatively clear: financial literacy must be promoted. It is now the focus of many (educational) programs. In view of the assumed “wrong” handling of money as the cause of financial difficulties and overindebtedness, these want to enable “correct” use of the available money and convey “sensible” consumption. This “sensible” action with regard to their own finances is intended to help young people, for example, by drawing up financial plans for their own households, permanently monitoring income and expenditure, constantly comparing prices and imparting knowledge in dealing with financial services or information about financial traps be taught.

 

Debt among young people

Debt among young people

I n the context of the concept of financial literacy, debt among young people is thus identified as a personal and growing problem, which essentially arises from problematic or missing individual skills and abilities and which should be counteracted accordingly by the promotion of these skills. The term “competence”, anchored in cognitive psychology or educational psychology, indicates the individual-related focus. According to the definition of psychologist Francis Hartz, competency means “the cognitive skills and abilities available to or learnable from individuals to solve certain problems, as well as the associated motivational, volitional and social readiness and skills to make problem solving successful in variable situations and to use responsibly “.

In the following, we will discuss these assumptions and take a look at the financial difficulties of young people, which incorporate debt in real-life contexts and which reveals them from the importance of money and debt for young people.

Youth debt – an alarming problem?

Youth debt - an alarming problem?

The Federal Statistical Office provides economically independent data on the extent of the debt of young adults. According to this, 0.2 percent of the clients of the debt advice centers belong to the age group of 18 to 19 years old, and 6.5 percent of those seeking advice are between 20 and 25 years old.  As this data is based on information provided by the debt advice centers, however, it is also limited in several respects: First, the information provided by the debt advice centers is voluntary and the disclosure of anonymized data requires the consent of the advised persons; on the other hand, employees of debt advice centers can only provide information about those young people who seek advice; in addition to the “number of unreported” adolescents in debt,

A study from German-speaking Switzerland is revealing with regard to the extent of debt among 18- to 24-year-olds.  It comprises 537 young people from four different types of school or education: participants in a job-market-related bridging offer (SEMO), apprentices, graduate students and high school students. The results show that around 62 percent of 18 to 24 year olds have no debt. Of the 38 percent of young people in debt, around a quarter each have debts of up to $100, between $100 and $1,000, between $1,000 and $2,400 and $2,500 and more.

 

Informal debt

Informal debt

Overall, the authors come to the conclusion that, on the one hand, informal debt, ie the borrowing of money mainly from parents, with generally small amounts and a fairly short-term repayment (usually within a few days), “becomes a ‘ normal ‘organization the everyday life of minors (heard), with which many get along well “. On the other hand, they identify a small group of young people who are indebted to several thousand dollars and have little prospect of being repaid on time. These are young adults, most of whom come from socially disadvantaged families, have no further education and are often faced with critical life events such as early departure from their parents, unemployment or early school or apprenticeship, including (significant) financial costs.These young people also receive little support from their social environment – neither in the approaching crisis situations nor in coping with them. Other studies confirm this result.The authors conclude: “A problematic debt situation with several thousand or ten thousand dollars is usually at the end of a chain of social and health problems.” 

Categories
Cam Girls

How to Meet Live Cam Girls at Home

Most men choose to choose the live cam sites to meet live cam girls. And they are having a lot of fun meeting the many cute and sexy cam girls who are all willing to get down and dirty with them.

Interaction between the cam girl and the man is intimate

Interaction between the cam girl and the man is intimate

Unlike the conventional kind of live webcasting, where one speaks from behind a microphone, the interaction between the cam girl and the man is intimate. The cam girl may be sitting right in front of the man, or he may be standing several feet away, yet he can still talk to her and ask her questions.

Most people like it when their webcam girl gets naked for them. But what about when she wants to strip too? That is a totally different story!

If you are a little shy about stripping live on cam, then this might not be the site for you. Many guys and girls want to see naked women. And if they don’t have any idea how to do it properly, the guys will often feel that the girls don’t know how to strip too.

Choose a site 

Choose a site 

So the first step is to pick a site that allows you to see the naked women without the man watching. When you choose a site, it is important to make sure they let you change your settings. Sometimes guys don’t want to see the girls in all of their hottest swimsuits and other times they want to see them in their underwear.

Many times they don’t even realize that these sites allow them to change the settings to let them see nudes. So if the site allows you to change the settings, you should know that the girls are able to view those nudes as well. It really is that simple.

It also helps if the site has a chat room that allows you to chat and have a good time with the girls without worrying about him seeing the nudes. It’s a free world, so why not enjoy yourself!

Do you want to see your own free cam?

Do you want to see your own free cam?

Many sites let you view the cameras that are installed in the home for you, but don’t worry, they aren’t being watched by anyone else.

There are a wide range of materials available for the cam girls that make them look so much better than the standard camcorders you have seen. The girls can wear a tank top, and it doesn’t show, which makes it easier for the man to talk to her.

These cameras are also “smart” enough to know what you are talking about and the camera is also quiet. There is no background noise, which lets the man has complete control over the experience.

All of these features make a basic camcorder, with all of the features, hard to beat. A guy that loves to talk and have fun, with live cam girls, is glad to have such a camcorder.

These are the reasons why the camcorder is so popular. So many guys love the freedom and convenience of having a webcam cam girl they can go to every night and go to town on the men in their lives!

Categories
Cam Sites

What Are the Best Cam Sites to Join?

 

Which are the best cam sites on the internet?

Which are the best cam sites on the internet?

This is an important question that all cam models are eager to find the answer to. When you are considering joining a cam site, you should know that not all of them will offer the same thing.

You will find a majority of sites will only offer the paid membership option. These sites usually cost more money and offer much more in terms of features and tools. These sites usually provide a lot more of the raw material that you will need to become a cam model.

These sites also have a higher number of members. This allows the cam model to interact with a larger number of people on cam. When you choose a paid membership site, you will find that you can chat with other members and watch what they are doing in real time.

So, why would you want to use a paid membership site? There are many different benefits and reasons that you may want to do so.

Different benefits and reasons

Different benefits and reasons

The first reason that you may want to choose a paid membership site is that you will be able to earn more money. Paid membership sites have a higher chance of offering more payouts to their members.

Another reason that you may want to use a paid membership site is that they have more advanced tools and features that you can use when on cam. The cam model has the ability to update their profile whenever they want and the members are notified via email whenever their cam model updates their profile.

Membership sites are known for the “Find Members” option. This allows the cam model to easily search for and find other members that are looking for their services.

There are many options available for both male and female members. Many cam sites even allow women to join male members for cam sessions.

Some paid membership sites are also known for the “Private Shows”. This means that you can select the features and quality of the shows that you would like to do.

Find the best paid membership sites to join

Find the best paid membership sites to join

To find the best paid membership sites to join you should look for those that offer the most quality features and tools. With the many different features that can be found on these sites, the chances of finding one that offers what you need to increase.

The first place that you should begin your search for the best cam sites on the internet is at “find members” website. A few of the free membership sites that you can find there are Xtreme Home Videos, CamSoda, Sitesyze, Adult Stars, Hot Cams and Hot Moms.

Once you are able to find these websites, all you have to do is find the one that offers the highest quality features and options for both male and female members. Remember, the more features that you are able to use when on the cam, the more money you will make.

Categories
Cam Girls

Learn How to Find Great Live Cam Girls Online

Live cam girls are a great way to make some extra money online. Many of the girls do not even charge for their services. These are just tips that can help you learn how to find some great cam girls online.

Have some time before hand to chat with them

Have some time before hand to chat with them

You also want to make sure that you have some time before hand to chat with them. The only way that you are going to get any girls is if you have done this before. The best way that you can make money doing this is to make friends with some of the girls and build up a cam relationship with them before hand.

When you first get online, there will be a few options that you will need to make sure that you choose the one that you have used before and is a member of the site that you want to pay with PayPal. You do not want to choose the site that has to go through PayPal. This is because it is going to cost you a lot more to get on.

The next thing that you want to do is to take a look at some of the profiles of the nice girl that you are interested in. You want to find out about the other pictures she has posted. You may want to take a peek at a few of these and see what they look like so that you can decide which ones are good and which ones are not.

Post the introduction video on your page

Post the introduction video on your page

You also want to make sure that you ask her to make an introduction video for you. You can post the introduction video on your page so that you can show off your profile. You want to post the video on your own profile because if the video is on another guy’s profile then the guy will get more views to his videos than you will.

Make sure that you are always making sure that you are giving your date’s your full attention and are not playing games. You can start with the physical relationship if you want but do not expect that this is going to keep your relationship going. You want to try and have fun with them and just enjoy the things that you are doing with them.

You can start off slowly and try and give them some time to spend with you and your full attention. You will get into a rhythm with them and then you can tell them that you want to start having a sexual relationship with them. This will bring in more women and you will have to compete for those dates and then you will be able to offer the same thing.

Different body types that a guy can choose from

Different body types that a guy can choose from

There are plenty of different body types that a guy can choose from. Women are always interested in the good looking guys so do not be shy to tell them. You may be surprised to see how many men that want to date you and do not know it.

These are just a few of the tips that you can use to start getting paid to chat with live cam girls. You will have to make sure that you look for these sites and pay a monthly fee. This will ensure that you have a steady stream of customers and money coming in.

You will also have to make sure that you have your email address so that you can email them with updates on your profile. You can change your profile to fit whatever picture you want and you can change the name as well. You just have to be able to adapt to the changes that you may have to make to your pictures and name.

If you want to make money this way you will have to learn how to succeed on the Internet and this is a great way to start. This is also a great way to meet a lot of new people. people that you will make friends with and even marry.

Can You Apply For Signature Loans Without Credit?

Many people are asking if they can apply for signature loans without credit. The answer is yes, you can apply for signature loans without credit.

What makes these types of loans popular is that, they do not require a credit check. This allows the borrower to be able to borrow money without having to offer any type of collateral or security. What’s good about this is that, it gives the lender with complete peace of mind because they are assured that the amount they receive from the borrower will be returned on time.

 

A lender offering a lower interest rate

A lender offering a lower interest rate

Because they don’t run a credit check to see if you are a good risk. When applying for these types of loans, you may have to fax in some documents that will prove your income and your ability to pay the loan back on time.

After all, it is important to many lenders that you can show proof of your income and ability to pay back the loan on time. They are still interested in signing up borrowers, but they have no problem asking for a credit check.

Some people are disappointed to find out that they can’t get a traditional loan with a credit check. These traditional loans include home loans, car loans, and other types of loans. So, they don’t want to chance that they won’t be approved for the loan.

Although, they have options like they can apply for online loans or cash advances that don’t require a credit check. They will probably still be approved, but they don’t get their money until after a certain number of days.

 

Traditional loans work, but with the signature loans

Traditional loans work, but with the signature loans

You do not have to submit any documents. You just have to send a letter requesting a specific amount of money. The lender will then request a verification of the amount that you want.

The only document that you will need to submit is the three-digit security code that you provided to the lender. It will be sent through the mail. This will contain your security number and will provide a deadline for when you will need to return the money.

If you are approved for signature loans without credit, you should be aware that it will only last for a limited time. Once the date has come and gone, you will have to start searching for another lender to use for your loan.

 

Applying for signature loans with credit

signature loans with credit

One thing that you should do before applying for signature loans without credit is to have some cash in your checking account. You can always use the money that you receive for a down payment on the new car or house that you want.

Once you receive your check, make sure that you pay it off as quickly as possible because you will not have to submit a credit check again. Just be sure to keep a little extra money so that you can apply for your next signature loan no credit check in case you need to get one.

In most cases, it is best to have some cash in your checking account before applying for signature loans without credit. The reason for this is that you will have some security in the event that you don’t get approved for the loan.