The New Drug Of Choice

It has been called a “magical” drug. Its chronic abuse has destroyed lives, families and loved ones. Its users claim that they cannot stop using. It has become their way of life. They can’t imagine what life would be without it.

What drug am I referring to?

Credit cards.

The abuse of credit cards is quickly becoming the epidemic of the 21st century and it is claiming lives and making indentured servants of consumers worldwide. The credit card “pushers” fill consumers mail boxes with their “drug” and frequent college campuses to turn our children into junkies.
Like cocaine it drains your bank account. The addicts come from all walks of life. The addiction is not prejudice to race, color or religious background. It strikes at the heart of consumers and few seldom recover before damage is done.

There is even a 12 step group that’s sole purpose is to help the addict.
From the Debtors Anonymous preamble:
“Debtors Anonymous is a fellowship of men and women who share their experience, strength and hope with each other that they may solve their common problem and help others to recover from compulsive debting.

The only requirement for membership is a desire to stop incurring unsecured debt. There are no dues or fees for D.A. membership; we are self-supporting through our own contributions.
D.A. is not allied with any sect, denomination, politics, organization or institution; does not wish to engage in any controversy; neither endorses nor opposes any causes.
Our primary purpose is to stop debting one day at a time and to help other compulsive debtors to stop incurring unsecured debt.”

Debtors Anonymous started in 1968 when a core group of recovering members from Alcoholics Anonymous held their first meeting to discuss the problems they were experiencing with money.
By 1971, the essence of the D.A. Program unfolded in the discovery and understanding that the act of debting itself was the threshold of this disease, and the only solution was to use a Twelve Step program.
Credit cards most definitely are part of our society, no matter if you make purchases online, offline, in person or wherever you are. It is difficult, if not impossible, to rent a car or make a reservation without one.

Credit cards are available with every turn of your head and misusing you credit lines can mean trouble for your financial future. The sad fact is that people use credit cards to pay for things they cannot afford. A credit card gives us the opportunity to pay more for an item purchased.
Why do seemingly intelligent people do such things?

There are probably more answers (or excuses) to that question than I can count, but it can be safe to assume that “convenience” would grace the list somewhere. Using the thinking above though, does it really make sense to “conveniently” pay more for a product or services price? This is addictive thinking. The main feature of addictive thinking is denial. Denial is the trick the addicts mind plays on them to excuse the use of their “drug” no matter what harm it causes.

You keep using because you’re obsessed with the desire to feel good.

Although there is no such thing as debtors prisons, being a slave to your debt can feel quite constricting. When you are no longer working for your family, but you creditors, there needs to be an intervention. You need to stop the addictive acting and thinking. You need recovery.
Once you are out of debt, say with the help of debt settlement, there are several ways to prevent yourself from ever having to suffer from this horrible addiction again.

Easier said than done, right?

With a little discipline and a lot of persistence, you can happily maintain a lifestyle that will never be in need of debt again.

It’s all about a budget. Sit down and determine the total amount of take-home pay that comes into your household every month. Next, determine the nature and amount of all necessary expenses, including mortgage, auto, food and utilities. The amount that you have left after all necessary expenses have been paid will represent your extra spending money for the month. By spending no more than what you make, you will never again have to worry about needing being in debt.

Shop with a store list, it’s so easy to wander into the jewelry or sporting goods section, but there are often greater rewards with discipline. If you shop with a list and stay within the areas that sell only what you need to buy, you won’t be tempted by impulse purchases. Although excessive spending is not the only reason why many are in need of debt settlement services, it is one of the leading causes of debt.

Keep a journal, or track your spending with a personal finance program on the computer, at least for 30 days. A financial journal is a very responsible step toward managing your money and avoiding debt problems in the future. I call this my 30 day challenge.
How many times have you wondered where your money went? If you are like most, the answer to that question is all too often. Rather than wondering what happens to your hard-earned dollar, write down every single purchase in a daily journal. This will help you to see exactly what you are paying and where you your money is going.

Clip Coupons. You can save a lot of money every week simply by clipping a few coupons. Whether you find them online or in the Sunday newspaper, coupons are a terrific way to save money. Even if you only save $10.00 per week in coupons, that’s $40.00 per month. For most households, that money could be put toward a necessary expense.

Save. Every month, put some amount of money into a savings account. Many banks will allow you to open a savings account with no minimum deposit. Whatever you can afford, even if it’s just $20.00, putting money into some type of savings will provide you with a cushion for later use. Being able to access savings will be a great help if you should ever get that impulse to charge again. Remember, YOU ARE AN ADDICT! With addictive thoughts and actions. Your efforts to break the pattern are fine, but NEVER forget the problems caused by the old, charge it mentality.

Prescription Drug Online Pharmacy Finder

From the past decade, the online shopping is growing rapidly around the world. Especially, purchasing Prescription drugs through online is become very popular. Not only purchasing Prescription drugs also you can purchase vitamin foods, over the counter medicines, items for health care, the medicines for diabetic and important weight loss products and many more. And also with this online pharmacy, you can find a pharmacy store which is nearer to you, and also you can send your prescription through mail and your medicines delivered at your doorsteps. There are so many online pharmacy stores are having their websites in internet. You need to visit their website and fill a form and email your prescriptions. These people will follow some particular steps and rules after that they will send you drugs.

When you are filling the online form, you need to provide some personal information like your name, mailing address, and some important details like doctor name, dispensary and prescription proof. And also you need to provide the details about the payment process. After that, they will finalize the prescription order and information regarding the insurance policy which you are holding now and shipping information. The payment mode should be either online payment, or you need to visit the store to complete the payment process depends upon the online pharmacy which you have selected. When you are decided to pay the amount through online, you need to consider some important things to complete the process. First, please check that the website having a secured transaction process or not. Please make sure that this website must have the HTTP configuration. Some of the internet criminal is doing hacking the websites and stealing the information about payment and medical information.

The next generation of pharmacy is the online pharmacy, with the devastating growth of internet this will create a new history in online shopping. In this competitive pharmacy business, if you want to survive you need to have a secured web site. When you are selecting the best online pharmacy store, you need to check their site credentials and licensed certificate issued by the National Association of Boards of Pharmacy. If any pharmacy web site is not clearing your queries, it is better to choose another website in internet. It is better to select the large pharmacy group which is well known to everyone. And also it is great ideas select the store which you have already dealt with them. Any how, the future pharmacy is online pharmacy.

Generic Drugs and Online Pharmacies

Even someone who has been living under a rock for the last five or so years would be aware of the confusion, misconception and questions that exist regarding generic prescription drugs, especially the largest selling online, by far, Viagra (Sildenafil Citrate) and other drugs used for the treatment of erectile dysfunction.

Some people believe much of the misinformation published by those who would have them pay ten times more for genuine drugs rather than the far cheaper generic versions. Much of the confusion and misconception exists because, understandably, many can’t see how the generic drug can be the same thing but be so cheap. Well, here is why the vast difference exists. It’s no secret, nor is it difficult to understand. It’s simply economics versus opportunism (although sometimes justified).

The following applies to all generic drugs sold through online pharmacies and in retail pharmacies on the street. There is no difference.

When the drug is first researched, discovered and developed, it takes a number of years and many, many millions (if not billions) of dollars in research, failure, more research, testing through multiple stages. Then come the trials, which have to satisfy the likes of the FDA (most countries have their own version of the FDA), which can, again, take years and more millions and even still fail for one reason or another.

Once the drug is approved by the authorities as safe (or relatively so, with the appropriate warnings…), the drug company then have to spend more millions and months marketing and promoting it to the public and the medical profession and wait for them to become confident in the product. Then comes the mass manufacture, packaging, wholesaling, and distribution etc of the tablets or whatever form the drug tales.

Interestingly, for instance, from the time the patent was taken out on Viagra in 1993 it took five years, till 1998, before it could be sold. Huge investments in money, time and resources, which the drug company (and shareholders) needed desperately to recover, hopefully in short order. Who can blame them, really? It’s a huge investment and huge risk with any new drug and some don’t end up being worthwhile.

That’s why any original drug is relatively expensive compared to it’s generic counterpart. At least for the first decade or so, while these enormous investments are being recovered. Very simple indeed.

Now for generic drugs, of which there are many. First of all, they are generally manufactured overseas because of cheaper labor and production costs and also because the patent doesn’t allow for them to be made or sold in the U.S. (if that’s where they were originally discovered and patented) except by the patent owner. They can however, be imported, in personal quantities by individuals, in most countries.

Before we go any further, as I said, many other countries have their own versions of the FDA, which are every bit as stringent and effective. Those countries that don’t have such an authority rely on the World Health Organization (W.H.O.) to approve and monitor the manufacture of already proven pharmaceuticals. Let’s face it, when people get sick in Australia, Britain, India, Russia, China, Japan etc and take the drugs made in their own country, they get better. The U.S is NOT the only place in the world that can be trusted to make quality, safe and effective pharmaceuticals. It would be silly and cynical to think so.

In fact, it may surprise some that the bulk ingredients for some so-called ‘US manufactured’ drugs are actually imported from other countries, so let’s be realistic!

The Generic drug that is purchased online is GENERALLY made in pharmaceutical facilities, which are approved by authorities much the same as the FDA and/or W.H.O. It is also interesting to note that vast amounts of GENERIC drugs like antibiotics, immunizations, birth control pills and even Viagra are used by the likes of W.H.O., World Vision and the Red Cross etc in their humanitarian endeavors because of their vastly cheaper prices. If they’re good enough for The Red Cross, are they good enough for you? I think so…

Generic Drugs that are sold through Online Pharmacies are so cheap because of the cheaper labor in other countries, but more so because of the obvious following reasons:

NO huge initial investment to recover.

NO wholesalers, distributors or retailers, they are shipped to the client from the manufacturer.

NO transport costs between three, four or often five of the above organizations.

NO stock needs to be kept by any of these non-existent middlemen or Pharmacies.

NO ‘bricks and mortar’ premises need to be maintained by the middlemen or the Pharmacies.

So you see, the ongoing mark-ups or profits from each of these middlemen don’t exist because they don’t exist, just the price from the manufacturer and their commission to the referring Online Pharmacy.

In closing, I must admit that there ARE counterfeit drugs and there are drugs, which don’t contain much of the effective ingredient. This problem is seen more so in drugs like Viagra, cialis and Levitra (the ED drugs) because of their popularity but STILL, these account for a very small percentage indeed, of the quality generic drugs sold online. People are still buying online drugs in droves and they wouldn’t continue to do that if they were having bad or questionable experiences, would they?

It’s also been discovered that the counterfeit drugs that everyone seems to condemn online Pharmacies over, ALSO show up in ‘bricks and mortar’ Pharmacies. So, why aren’t people wary of these retail outlets? Easy… media and the original manufacturer’s hype. Of course they’d rather sell all the online buyers genuine drugs at a much higher rate.

As for the best way to tell a safe online Pharmacy, look for a toll free phone number and other means of contact, for following up orders, requesting cancellations, refunds or complaints. If they have these, they can hardly be surviving by selling inferior products. Check out the contacts first if you wish to make sure they’re genuine.

This article is written in the spirit of assisting those who have a need for prescription drugs but are unable to, or have difficulty in, financing their urgent needs. Generic drugs are safe, in the main and online pharmacies are honest and helpful, also in the main. Action is continually being taken against pharmacies (both online and on the street), which sell inferior products. Hopefully we will soon have worldwide pharmacy access, which all people can trust and take advantage of.