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Is It Tough To Get The Best VIP London Escorts Online?
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Fun And Educational – Stem & Art Camp Focusing On Virtual Reality
While many New York City kids will spend the summer hanging out and playing video games at home throughout the summer the campers at Camp Yokey, a STEM & Art Summer Camp in Brooklyn, NY will design, code, test and play their own creations.
Camp Yokey focuses on STEM, specificity on technology and coding aspects of games for Virtual Reality and Augmented Reality. Campers will learn how to design 3D objects, develop movement and interaction of the objects, play test their creations and import them into a Virtual world. In addition, the camp has strong curriculum of Art classes specifically where art and technology intersect. A large roster of available courses for the summer and vacation camps is available online.
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What is Credit Counselling?
When people get into debt, and interest payments make paying bills off difficult, it’s time to ask for help. There are programs and services available, one of the most effective is credit counselling.
In Canada, there are many non profit credit counselling options. Many people ask how does credit counselling work in Canada? It starts with a phone call and a free appointment with an accredited credit counsellor, who will review all of your income, expenses and debts. She will help you build a budget and determine how much you have to pay down your debts.
If you don’t have enough money in your budget to keep up with you debt payments, she can offer you what is called a debt management program (DMP), also known as a debt consolidation program. The counsellor will contact all of your creditors, who most often will reduce the interest rate to 0%. Now that you are only responsible for the principle and not the interest, it’s easier to make the payments and eliminate your debt.
If you do start a DMP, you won’t be able to have credit cards or any other forms of credit for 2 years after your last payment, or 6 years, whichever is shorter. But once you are done, all of your debts will be paid off and you can qualify for credit again. Almost everyone who works with a non profit credit counselling agency learns how to stay out of debt, for good.
The best part is, credit counselling is private. Once you have completed your credit counselling program, there is no record of you using the service, which can’t be said for filing a consumer proposal or bankruptcy. With those, there is a permanent record listed with the Government of Canada. That is one of the positive consequences of credit counseling services.
The longest serving credit counselling agency is Credit Canada Debt Solutions. It has been helping people get rid of debt for more than 50 years. If you want help with debt, call them at 1-800-267-2272 and speak to a counsellor today.