DON’T GET SCAMMED! TWELVE CLASSIC CONS TO AVOID.

We’ve all made bad investments before. Something sounds like a great idea, you’re so excited, and then, uh, it doesn’t work out. It is common to feel shame when you’ve made a bad call. Shame is a powerful emotion. You don’t want to tell anyone. You’re embarrassed. Everything feels murky. You’re confused about
what went wrong. You don’t want people to know. And that, my friends, is why con artists thrive. 

SHOULD I FILE FOR BANKRUPTCY?

The bill collectors are calling.  You hate the poor soul who delivers your mail.  You stopped using your credit cards in public to avoid that embarrassing look the teller gives you when the card is declined.  Your paycheck doesn’t look like it will ever stretch to meet your debt and you don’t know what to do… so what about that bankruptcy thing?

There are two main types of bankruptcy for the average person with a lot of consumer debt:  Chapter 7 and Chapter 13.

Chapter 7 is often preferred because it comes the closest to wiping the slate clean.  Your debt.  Gone.  (Of course there are exceptions, Ask Roxy readers know that there are always exceptions in law— that is what makes it fun!).  Chapter 13 has this ugly term associated with it called “repayment plan” so let’s dig into the details of Chapter 7 first. 

GIFTING CIRCLES: JUST HOW ILLEGAL ARE THEY?

 Here is an idea: You give me some money. By giving me some money you will be entitled to ask others to join our group. Eventually, there is a chance you will receive money. Sound about right? No? Okay, how about I form a sister empowerment group that shares abundance. We focus on fulfilling our deepest selves through gifting love (and cash) toward the center of our lotus circle and someday, after you gather more women together, with lightness and invigorating clarity, you might blossom into the center and receive the abundance.  Sound better?