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#بغداد #اكسبلور #العراق #الشعب_الصيني_ماله_حل😂😂

fighting for my life every leg day 😭 #Fitness #strengthtraining #legday

Debt relief is NOT the same as debt consolidation and I’m tired of these companies acting like it is  Debt relief companies are somehow able to advertise themselves as debt consolidation and I genuinely do not understand how it’s legal because it is absolutely false. They are scamming you  If a company is saying they’ll consolidate your debt into one payment but they aren’t giving you a loan, they’re scamming you  Companies like Freedom Debt Relief, National Debt Relief, and a whole slimy slew of others have you stop paying your bills and pay them a monthly fee instead  They also have you change all of your contact info to their company’s contact info so that when these accounts eventually go to collections, your credit card or loan company reach out to them instead of you  At that point, they start trying to negotiate a lower amount than you owe for you to pay what’s known as a settlement  They’ll tell you this will lower your out of pocket cost anywhere from 35-70% but what they won’t tell you is how bad you’re getting screwed in the process  They won’t tell you that every month you don’t pay, your credit score is going to tank further and further because of missed payments  They won’t tell you that the estimated savings is based on your total debt after all of your late fees and additional interest are added, instead of being based on your enrolled amount  They won’t tell you that their fee for settling these accounts is anywhere from 20-30% of your enrolled debt  They also won’t tell you initially that there’s a high likelihood of you being sued, but once you’re in, they’ll offer to give you legal protection as well, for an additional fee of course  So after all of that is taken into consideration, you haven’t actually saved much money, if any at all, AND you’ve ruined your credit in the process for years to come  When all you had to do from the beginning was use the snowball method to pay down your debt  It’ll take a little time and it may cost you more than you want in interest, but at least you do won’t ruin your credit or risk being sued in the process

صح عن النبي ﷺ أنه قال: «مَنْ جَلَسَ فِي مَجْلِسٍ فَكَثُرَ فِيهِ لَغَطُهُ، فَقَالَ قَبْلَ أَنْ يَقُومَ مِنْ مَجْلِسِهِ ذَلِكَ: سُبْحَانَكَ اللَّهُمَّ وَبِحَمْدِكَ، أَشْهَدُ أَنْ لاَ إِلَهَ إِلاَّ أَنْتَ، أَسْتَغْفِرُكَ وَأَتُوبُ إِلَيْكَ، إِلاَّ غُفِرَ لَهُ مَا كَانَ فِي مَجْلِسِهِ ذَلِكَ» . #كفارة_المجلس #دعاء #النميمة #اللغط #اللهم_صلي_على_نبينا_محمد

Workshop audio from 2 years before Wicked premiered on Broadway, featuring extended dialogue during the catfight scene. Idina Menzel as Elphaba, Kristin Chenoweth as Glinda #broadway #musicaltheater

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Daniel Gipfler :

We are from 08-12 in Durrës get there what🥰🥰🥰

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