dia maté teams up with IV of Spades’ Blaster Silonga on new single “Dream”

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Promising newcomer dia maté dials down the R&B melodrama for a luscious summertime tune that is built around laid-back melodies, indie-pop influences, and tropical-sounding rhythms. Written by mate herself and produced by IV of Spades’ Blaster Silonga, “Dream” explores the hesitation of commitment and moving forward despite falling in love with someone. According to the 19-year-old artist, the song was inspired by how people sometimes close themselves off subconsciously to protect their heart from the trauma induced by past relationships. “That’s what ultimately holds us back: the fear of being let down again,” the young singer-songwriter says. “ Dream essentially describes wanting to wake up from the past, to pretend it was only a dream.” Upbeat melancholia dia maté originally penned and produced the demo for “Dream” on guitar, but the rising pop/R&B star eventually wanted to revamp the track with a more upbeat and energetic vibe to complement the melancholic appeal of

Punch Associates: Credit Card Debt Consolidation


Credit card debt consolidation is something many of us will have done at least once or considered doing. The immediate advantage is to save money on interest rates by moving balances on to a loan which will charge a fixed rate of interest with fixed repayments.


The wise move to make then is to cut up your cards and then just pay off the loan. So how many people actually do that? Having a clear credit card in your wallet is too tempting a thing to have now you are under the illusion of it being clear. Typically we’ll hang on to it ‘just in case of emergency’.

Then a few months down the line we find it maxed out again, we’re back where we were making the loan repayments and card payments with their high rates of interest again.

The credit card debt consolidation cycle can repeat itself a few times before the consumer realises what they are doing,- by which time their overall debt has plunged so far into the red that it’s a serious problem.

In the worst cases payments will have been missed or made late so obtaining loans from established lenders will not be an option leaving debt management, bankruptcy or bad credit loans as the only options.

This scenario – sometimes referred to as ‘the middle class trap’ is so commonplace that the question arises – “Why do the lenders allow it to happen?” Recent reports have shown that some lenders are in fact very actively and aggressively engineering their customers to get into situations like this.

Credit card debt consolidation is a very profitable line of business, not only for the high street banks but also for the independent lenders, bad credit loan companies and debt management companies.

When someone has their credit card limit extended, or gets upgraded to a higher grade of card they feel special. They feel like they’ve been accepted into an upper echelon now that their ‘financial status’ has been upgraded. They are made to feel that all of a sudden they can afford to spend more because they have more credit at their disposal.

All the while the lenders know exactly how much they have to spend, how much they earn, how much their outgoings are and exactly how far they can be stretched.

Credit card debt consolidation is best done onto another card with a period of 0% APR giving you the chance to pay off the premium amount and not interest. Of course you will have to exercise extreme discipline to avoid the middle class trap if you are to be successful. The alternatives to forming your own debt busting plan will only cost you a lot more in the long run and keep you in debt for longer than you need to be.

The most effective and self serving way to do it is to have Punch Associates do it for you to have a debt busting plan which does not involve paying fees or interest on top of your overall debt amount. There are a lot of people out there preying on those in need of credit card debt consolidation – and the Punch Associates are here and ready to help you!



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