Do you ever ponder the big questions, like "What is consciousness?" or "Why do we feel motivated to do good?" Doing so really takes no more brainpower than balancing your checkbook, and although you are more likely to be satisfied and certain with the result of the checkbook balancing, thinking about these things is not just good brain exercise. It gives you insight and perspective.
How do you think about these things, though? How do you get more deeply into the big questions and develop a more profound understanding of them? One of the easiest and most effective ways is to do like children do and keep asking "why?"
Big Questions - Why? What? How?
Maybe a child has done this to you. He asks you why you have to leave, and you say, "To go to work." He then asks you why you have to go to work, and you answer, "To make money." He then asks you why you have to make money, and you answer, "To pay for food and a house and clothes." Of course it doesn't stop there. If you let him, the child may lead you right up your hierarchy of values to the meaning of your life.
In the case of a "what" question, you would continually define each new explanatory word as it was used. For example, "What is happiness?" might be answered, "A feeling that everything is all right." Then you ask what a feeling is and what "all right" means. If you were to say that "all right" means "as it should be" you are lead to the question of "What does 'should' mean?"
This technique of repeated questioning that children use is great for creating an explanation (or many). It is also good for pointing out assumptions that we may not have previously stated or been aware of, such as "Going to work makes me money which buys things we need which will make me and my loved ones happy," or the shortened version "Going to work produces happiness." But simply explaining and making assumptions more conscious isn't necessarily very educational or enlightening.
To increase our understanding, and to point out possible errors in our thinking, we can start with this technique to outline the logical chain of ideas in our reasoning. But then we need to challenge each of these ideas to see if there is a better perspective or an error in our thinking that we can correct. We can ask "Does going to work produce happiness?" for example, or "Is there a better way to make money?" Let's look at another example.
Why do you want to exercise your brain? The answer to that might be something like, "To be more intelligent." Why do you want to be more intelligent? Maybe to solve problems more effectively. Why do you want to solve problems more effectively? Maybe to have more control over your environment, to make more money, or to create better things and situations in life. Why? To be happier, perhaps?
Now as you look at each of these steps in the reasoning, you can identify a number of assumptions - ideas which may or may not be the best ones to operate on. It might be a valid question to ask if exercising the brain actually improves intelligence, for example, or if only certain kinds of mental exercise are effective for this. You might also ask whether being more intelligent really helps you solve problems more effectively. Perhaps learning specific problem solving techniques is more important than one's level of intelligence.
Besides challenging any and all assumptions, you can also look for new perspectives and approaches by moving up the hierarchy of ideas and seeing if there are other ways to re-create this logical chain. For example, if the end result is supposed to be happiness, what other approaches make more sense than exercising one's brain? Or without going that far up the hierarchy, what about having more control over your environment? Is increased brainpower the best approach to that, or are there specific actions that will get you there faster?
This process will give you new insight into any of the big questions or even not-so-big questions of life. Create the logical chain of ideas first, by asking those "why," "what" or "how" questions repeatedly. Then challenge each assumption and look for other ways to get to each point in the hierarchy of ideas that your explanation creates.
The Big Questions In Science
First we will start with the cons.
1. In most cases your FICO credit rating will go down. No creditor will be willing to make a debt settlement until you have fallen significantly past due. So when you are falling behind your FICO credit rating will take a unfavorable decline. However the derogatory remarks from credit card debt settlement are fixable, a decent credit cleanup organization can get those negatives taken off your credit report.
2. Persistent calling from debt collection agencies. As you can visualize you will be getting phone calls in an attempt to collect the money they feel they are owed. Depending on what company you hire for credit card debt settlement, collection calls can be to a great extent reduced if not stopped. But you will receive calls to some extent.
3. The creditors can decide to sue you. This is always a possibility, while it does not occur anywhere near as much as one might think it does happen. Again with a reputable firm this process can be put back so a settlement outside of court can be reached. When you are being sued the collector filing for suit often knows that they will not collect the entire amount and the creditor is usually very willing to make a settlement.
Now for the pro's.
1. The terrific savings! You can often times look to save between 40-50% of the current balance. Not only will you save money off of your current balance, but you must take into consideration the amount of money you would be losing through monthly minimum payments and high interest.
2. Get out of debt extremely fast. Of all the credit card debt relief avenues, settlement will put you on the fasted track to becoming debt free. You can be looking to get out of debt within 2 years or less. This is a far cry away from how utterly long it would take to be out of debt through minimum payments.
I personally feel the pros do drastically outweigh the con's. Nothing is worse than forfeiting hundreds if not thousands of dollars every month for what can be decades through monthly minimum payments and high interest. Debt with credit cards is death to your finances. How in the world can you save or invest for the future when you are scrapping to get by each month to stay current with your credit card.
Both Steve Gillman & Steve Bis are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
Steve Gillman has sinced written about articles on various topics from Camping, Hypnotherapy and Entertainment Guide. Copyright Steve Gillman. For more on , and to get the Brain Power Newsletter and other free gifts, visit:. Steve Gillman's top article generates over 135000 views. to your Favourites.
Steve Bis has sinced written about articles on various topics from Credit Counseling, Credit Cards and Debts Loans. Steve Bis is a debt analyst with the US Consumer Advocate, which practices .. Steve Bis's top article generates over 18100 views. to your Favourites.
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