Every year, tens of thousands of Americans find themselves facing huge debts created solely by credit cards. When 4 or 5 different cards are involved, the debt can be $50,000 or more. Along with common personal loans and the cost of keeping a home, clearing existing debts can look impossible.
But a structured card settlement scheme provides a practical framework to work within, helping to make the task to clearing credit card debt that little bit easier.
Debt Settlement Plans Explained
Settling debt is all about negotiating the best possible deal on the actual amount of debt that is owed. A car issuer will agree to a fraction of the actual sum due to them, but is at least guaranteed to get some of their money back. The advantage of a credit card debt settlement for the cardholder is that the debt becomes easier to clear.
Clearing existing debts through a consolidation loan means 100% of the debt repaid, and while this is fine, the fact a larger sum must be borrowed means the loan is more expensive. Also, the cards usually represent only part of what is being cleared, so the savings are not as great as those the settlement plan offers.
Negotiations with the card companies can result in just 50% of the credit card debt being sought. Of course, securing these kinds of reductions is a tricky business, and some careful choices need to be made before negotiations begin.
Getting the Best Deal
The first choice to make is how much a credit card debt settlement scheme is desired. A pretty thick skin is needed when it comes to dealing with card companies, and to start the process, it is necessary to refuse to make any payments. This is to show an inability to pay, thus strengthening your claim for debt reduction.
This move is likely to be followed by threats of impending court action, but understand this is generally an effort to scare people into paying what is owed. Convincing the issuer there is no chance of getting anything is invaluable. Remember, when it comes to clearing existing debts, what is saved can be used elsewhere.
Of course, a key to getting the best reduction in credit card debt is to hire an experienced debt settlement negotiator, and one that is hard-nosed enough to take on the card companies. If the right person is got, then huge reductions can be expected.
Other Terms to Consider
Still, securing the very best credit card debt settlement deal comes down to more than just a good negotiator. The plan needs to start at least 6 months before that step is taken, as that is the minimum period after which a claim of inability to pay can be deemed accepted.
And even if the planning is done perfectly, the whole deal rests on the ability to offer a cash sum in settlement. So, it is essential that a large lump sum is available to clear the debt immediately after the deal is done. This form of clearing existing debts is often referred to as a Now-Or-Never deal.
Finally, remember the deal will also be added to your credit report. It does not have quite the negative influence a bankruptcy ruling has, but clearing credit card debt through a settlement plan means only a fraction of the debt is actually paid. Because officially the debt is never fully repaid, the credit score does not improve.
Learning how and why people shop online helps you improve your online business marketing. Here's how you can offer maximum satisfaction for your customers.
Why People Shop Online
1. Quick, easy shopping on their time.
No need to rush home from work, bolt dinner, drop kids at Grandma's, then zip to the store before it closes. No need to watch out for traffic morons, road construction or weather situations.
2. Ease of comparison shopping.
A few mouse clicks reveal which model bread machine best suits her needs, what it costs and who has the best price. She might even find a coupon code.
3. Can find obscure items.
Not everyone wants an easy-clean-up black juicer with a retro look and whisper mode (is there such a thing, really?) but if ANYONE has it, it can be found online. In a physical store near her? Not likely. Your info-product? Only online.
Drawbacks in Shopping Online
1. Can't see the item in person.
2. Can she trust the seller?
3. Beware shipping costs.
4. Check return policy.
Tips for Better Online Business Marketing
The good news is your online business stays open 24/7, rain or snow and parents can shop in a few moments during the day or after the kids are in bed.
Make it your business to know what your competitors sell, their prices, shipping and how you stack up against them. If you can't offer the lowest price, make sure you have free shipping, or provide such an extra-quality products or service that your ideal customers discover you have just what they need or want, with no drawbacks.
If you sell obscure items, make sure your keywords lead your unique-needs customers to your business.
Overcome All Drawbacks
Provide excellent photos and detailed sensory descriptions of your products or services, so your customer can almost experience it.
Banners that certify you as a trustworthy business, testimonials from satisfied customers, super-secure bank or credit card transaction processing and your money-back guarantee can all soothe worried souls.
Be up front about your shipping. If you offer physical products and free works for you, it's a great draw. Make a user-friendly return policy where you can. Offer an 800 number or email in case of trouble.
Point out the ease of shopping with you at any time of day or night, spell out how it's an instant download or how quickly you ship, and remind them how your product stands out from the rest.
Your online business marketing attracts your ideal customers, gives them what they want and makes them feel welcomed and cared for.
1. Unplug Electronics
The first thing that you should do is make sure that you and everyone in your family unplug electronics when you are not using them. Not only do unused electronics that are plugged in drain unnecessary electricity, they generate heat. The heat that these electronic items generate also increases your home's air conditioning needs. Be sure to plug your microwaves, cellphone charges, televisions and other electronic devices into power strips so that you and your family can easily turn these devices on and off when necessary.
2. Switch to CFLs
If you are serious about reducing your monthly electric bill, you will need to switch out your incandescent light bulbs for compact flourescent bulbs, also known as CFLs. Energy.gov points out that 90 percent of the energy used by incandescent lights is actually given off as heat, so your incandescent light bulbs are wasting electricity and your money. In fact, Energy.gov experts state that the average home can save about $50 each year by replacing 15 incandescent light bulbs with more energy efficient CFLs.
3. Use Less Hot Water
Another quick and easy way to reduce your home's electric bill is to use less hot water in your home. This means you should use cold water in place of hot water when necessary, and you should reduce the amount of hot water that you use when it is necessary. For example, you can wash your clothes with cold water instead of wasting electricity to heat water for your clothes washer. There are special laundry detergents that are great to use if you are washing your clothes with cold water. You can reduce the amount of hot water that you use for showering, hand dish washing and hand washing by installing low flow shower heads and water aerators on your spigots. These quick fixes are very inexpensive and will quickly pay for themselves with the amount of water and electricity that you save by installing them.
4. Timing is Everything
Avoid doing activities that generate heat during the day. Save your dishwashing, clothes drying and baking for the evening when your air conditioner will not need to compensate for the excess heat in the home due to these heat-generating appliances. You may see substantial savings by reducing your air conditioning load, and these heat-generating appliances may help you stay warm at night if you save these activities for the evenings.
5. Program Your Thermostat
You should use your programmable thermostat wisely if you have one. Set your programmable thermostat so that it is not wasting electricity on heating or cooling your home when nobody is in it. Set it to reach your desired temperature only when the home is occupied. If you don't have a programmable thermostat, you can save a good deal on your home's heating and cooling costs by testing the temperature settings to find the most conservative settings that will keep you and your family comfortable. For example, try reducing your heating temperature to 68 degrees Fahrenheit rather than 75 degrees, and try to set your cooling temperature to 73 degrees rather than 70 degrees.
Follow these five tips, and you are sure to see savings on your electric bill within 30 days. Once you have mastered these energy-saving tips, you can move on to more advanced techniques to reduce your monthly electric bills.
Some people are really hard to buy for. You want to get them a really nice gift that they will appreciate. Yet, they already have practically everything they appear to want or need. What do you do in this case? You read this article.
I recently had a similar scenario with a girl who I have been friends with for many years. We get together for the holidays every year. We typically exchange gifts. She is one of those people who is really hard to buy for. She makes a lot more money than I do. She seems to already have everything that she really wants. So, I was really torn about what to get for her this year. Here is how I figured it out.
Her and I go back a long ways. We kind of grew up together. Every other year, for some time, I have been coming up with a great little idea that reminds her of our friendship and how much I value it. In the past this has meant giving her photographs in fancy frames, a locket, a bracelet that was engraved and a personalized cookbook.
Those items were all appreciated and pretty nice if I do say so myself. It seems that I was running out of these ideas though. To solve my crisis, I thought of something. I invited her to go Christmas shopping together. It was a great idea.
I was paying a lot of attention to the kinds of things that caught her eye as we walked around the mall. One thing I noticed was that she spent a long time looking at this one vendor who was in the store selling various gifts made of crystal. I had no idea she was that into the stuff. When I asked her about it, she told me that she had received some crystal as a wedding gift some years ago. Apparently she really like the stuff but had never looked into collecting more of it. The mall kiosk reminded her of it.
The light bulbs went off in my head. I figured that a nice crystal piece would make the perfect Christmas present for her. I ended up finding an elegant crystal vase that I thought was absolutely gorgeous. By the expression on her face, she must have agreed with me.
From now on I am going to take a similar approach when I have to come up with ideas for someone who is hard to buy for. This idea worked so well that I actually got three years' worth of ideas for Christmas gifts for her. Give it a try yourself.
The two parts involved in the lease extension are the landlord and the tenant. The latter has the right to continue renting the property which is on the point to expire. A continuation of the renting contract should be based on a close study of the terms and the offer made. You may keep the same terms and conditions as specified in the original lease.
However, there might be things which you will want to change. The lessor may change some of the terms and conditions regarding terminating the lease agreement, if the leasing period changes from a yearly rental period to a month-to-month basis. Another thing to be carefully considered is whether you want to go on with an additional monthly payment. This could be implemented in the contract in case your home gets a rental increase of a pre-decided percentage of the overall monthly lease.
Please note that a lease extension often requires new documentation. Most people might think that an oral agreement is enough but this is not true. In case one of the parties seeks legal action, an oral agreement will not uphold in court. Also, make sure that both parties have signed the lease extension. The signatures will validate the document in question.
There are many people out there who need to know exactly how much they will spend when extending their lease. If this is your case as well, you should use a lease extension calculator. Such a handy tool can be easily found over the internet. You can use it to get a rough idea of how much your lease extension will sum up to.
Last but not least, you need to understand that extending the lease for the property currently rented requires experience. You need to be sure that you will pay a fair market price for the extension itself. The right person to negotiate with your landlord for this purpose is a solicitor. Don’t hesitate to ask for their help if you want the whole lease extension process to run smoothly.
The Mortgage Lending Crunch
I get it. The economy tanked, wallstreet crumbled, jobs were lost for millions, and a lot of good people like me and you had to choose between paying loan bill on time or putting food on the table for our family. During these rocky times, many were humiliated and kicked out of their home, veritably shutting the door on the American dream of home ownership.
Things are still tough, but if you are one of the lucky few who learned from past financial misteps and have righted your financial situation back to a healthy one, you must be eager to take advantage of record low real estate prices and buy a home again to return to home owner status.
Eager and full of hope you, looking to finance a home you are running into a brick wall trying to find bad credit mortgage lenders for your dream home. Bad credit mortgage lending just ain't what it used to be...
Finding a mortgage lenders willing to work with bad credit people is almost impossible presently. As sub-prime borrowers there are relatively few loans available, and the banks that claim they offer bad credit mortgages are in actuality only loaning out money to 'less than good credit', but true a true bad credit history will be denied outright.
You may have a good paying capacity but the credit markets simply don't have the money to risk on higher risk bad credit loans.
Is All Hope Lost?
I wouldn't recommend giving up your search for a mortgage, so if you wish to tenaciously pursue a mortgage option, I would like to provide you some places to start.
First, begin your search with a mortgage broker who will look for a lender that is willing to offer their money in spite of your credit limitations as a borrower. Mortgage brokers typically will have a stable of lenders that they can shop your mortgage stats to in order to find a good fit.
Generally, as a middle man your mortgage broker will receive be paid a fee equal to a certain percentage of the loan amount. The benefits of using a mortgage broker to look for lenders is that they will do all the leg work for you, presenting your credit details in the hopes of finding a lending institution that can squeeze out an approval for you.
It is important to keep in mind that each mortgage broker can have different lenders that they work with, so just because one broker says they cannot get you a mortgage because of your bad credit, keep trying. Some brokers work with private lenders that can have unique approval requirements for the money they are lending.
Prepare ahead of time for the review that you encounter, as you will only save yourself time. Get yourself a copy of your credit reports from the three bureaus, bring them with you, and bring reference letters and additionally letters explaining the situation behind the bad credit occurrances that brought down your scores.
You do not want multiple banks and brokers pulling your credit over and over as it will only lower your scores further if you acquire too many credit inquiries in a short time. At this point in the game we need every leg up we can to get your mortgage approved.
Additionally, it would not be a bad thing to bring a budget list that indicates the money you receive monthly and your expenses. The stronger a financial picture you can paint, without stretching the truth, can help tip the scales in favor of a bad credit mortgage approval. As you can imagine convincing the pontential mortgage lender evidence of how you can pay the loan will not hurt.
Another option to get a bad credit mortgage lender to approve you is to offer a larger down payment more than the usual 3%, 10% or 20%. This is another mortgage strategy to show the lender the willingness and ability as a borrower to save and pay on your obligation. The increased equity acts as additional security for your loan protecting the mortgage lenders interest in the loan. As an added bonus you will reduce your monthly payments.
Understandably, not everyone has the ability to increase the down payment...
What to do if you cannot get a bad credit mortgage lender to approve your loan?
If you try time and again and feel you have exhausted all your options to get a bad credit mortgage, then it might be time to try creative mortgage alternative home buying strategies.
We have developed a quick guide to getting a mortgage with bad credit that outlines creative mortgage alternatives. Check out our guide on how to buy a house with bad credit to learn more about home buying alternatives to mortgage loans.
A brief run down of your options would be to pursue owner finances or private lenders. If the seller of a home owns the real estate outright, there is almost no end to the flexibility with which you can structure a purchase contract and agreement.
The idea, of course, is to create a win win solution that solves the home sellers need to sell and meets your inability to get a traditional mortgage financed.
The purchase can be arranged in a manner that the seller becomes the bank effectively providing a bad credit mortgage to you on his or her qualification standards whatever they may be. In many cases it could be determined by the steady look in your eye and a handshake.
Additionally, a sad result of the economic down turn is there are a number of desperate sellers that cannot meet the payments of their own mortgage and face foreclosure and eviction. In these cases it is often possible to create what is known as a 'subject to' home purchase.
Essentially, in lieu of your acquiring your own bad credit mortgage, you take over in a manner the mortgage of the current home occupant. It is an advanced home buying technique for bad credit people that your title company can help you structure.
The other option is to wait out the current economic slump and mortgage crunch. If one thing is certain, times, both good and bad are cyclical. With time mortgage lenders pockets will get flush with cash again and they will return to being desperate for borrowers with both good and bad credit. If you continue saving while you wait for their return, you will be more than capable of qualifying for whatever the more flexible bad credit mortgage lender requirements may be.
Which Mortgage Lenders Loan to Bad Credit
It's impossible to know which lenders will offer mortgages to bad credit people, but the following is a review of mortgage lenders most likely to based on what we know today.
One of the well-known mortgage lenders is the American-based company Citigroup. This is the first company a borrower with a bad credit history will likely try. They provide adjustable and fixed rates. For a 15-year mortgage, they offer the lowest interest rates. Citigroup is found in 54 countries outside of America. In the past they have helped people with a bad credit borrow mortgage loans.
In the current climate people are using adjustable rate mortgages especially those who have bad debts and are looking for a little short term relief. After they pay off the debts, the idea is to switch to a fixed rate to lock in historically low rates. Quite frankly, with the tumultous financial health of America and the international community, I do not recommned any adjustable rate mortgages presently. The risk of sky rocketing interest is just too great in these unstable times.
Bank of America
Bank of America usually offers a number of subprime bad credit mortgages. Aside from providing home mortgages, they have had a spotty record of helping clients facing financial difficulties and have earned a reputation as a tough lender. Bank of America is the third largest bank in America at the time of this writing.
Another mortgage lender is Wells Fargo. They have existed since the stage coach days and they have over 1000 branches in America. As a mortgage lender, Wells Fargo offers a number of online tools that have empowered the borrower. They have a good record of embracing technology to stay with the times and provide you additional benefits as a customer. They also provide loans with a fixed rate and low interest specifically designed for people with a bad credit history. In the past they have offered mortgage loan packages that allow borrowers to purchase a house and to make home improvements at the same time if they want to undergo renovation as simultaneous with their purchase.
Other mortgage lenders include Allied Home Mortgage Capital Corporation, Countrywide Home Loans, Inc., First Magnus Financial Corporation, GMAC Mortgage LLC, Primary Residential Mortgage, Inc., Bank of America Na Charlotte, Ark-la-tex Financial Services LLC, Premiere Mortgage Funding, Inc., First Horizon Home Loan Corporation and American Home Mortgage Corporation, each with their own benefits and negatives.
For further information check out our guide on how to get a mortgage approved with bad credit.
Undoubtedly, with bad credit you must expect any mortgage approvals to have a higher interest rate and service fees. They will also impose additional charges for late payments.
The bad credit mortgage lenders may be scarce today, but the time will come when they will return, and we will be sure to update our site with the mortgage offers as soon as they hit the market.
Information marketing is the simple process of driving traffic to a website, converting traffic to subscribers, building a relationship with those subscribers and then selling them products or services. If you think about it, that's a pretty simple business model to follow. But what if you don't know what step 1 is? What if you don't know how to get the foundation built, like getting a squeeze page up, so you can start driving traffic? Well, in this article, I'm going to give you the steps you need to follow in order to complete the technology requirements for your information marketing business.
Step 1: Get a domain name - The first thing you need to do is get a domain name. Honestly, if you are just starting out, don't spend more than 15 minutes buying a domain name. It's not really important at this point. As you build your empire up over time, you can go back and buy the perfect domain name, but it's important that you just get started.
Step 2: Get web hosting service - There's a lot of good companies out there to help you with this need, so do some research and choose the right one for you. I recommend spending a little more money up front to get hosting with unlimited domains and unlimited bandwidth, plus access to a cPanel. That's just what I recommend, but you can do whatever you want.
Step 3: Get FTP access - FTP, or file transfer protocol is the process of getting your web files uploaded to your web hosting service. If you don't understand what I just said, don't worry. Just save all your emails from you web hosting company because you'll need that information for your FTP access. When you research FTP clients, find one that has lots of good reviews and is the right price, most likely free.
Step 4: Set up a squeeze page - If you are a beginner, just Google squeeze page templates and find one you like. Buy it if it costs money or grab it if its free. Remember, the point here is not to worry about having a multimillion dollar site. You want to get started, and you can always change it up later. More than likely, you'll need a template that is in HTML or maybe a WordPress theme.
Step 5: Get or create a free gift - To entice people to become subscribers on your squeeze page, you'll need to give them something of value in exchange for their name and email address. You can create an ebook, an mp3 recording, you can put together articles you've written after you've edited and changed them for 'ease of reading' purposes, whatever. Give them a gift they want that has great value and great content.
Step 6: Get an email auto-responder service - Once someone becomes a subscriber of yours, the next step in the process is to build a relationship with the subscriber. You do this with an email auto-responder campaign. Just Google email service providers and you'll find some good quality companies to choose from.
These are the steps you need to complete before you start your information marketing business. Without these steps, you'll run into roadblocks and your business will suffer.
There are times, when the customer does not wish to pay in cash or he is not carrying sufficient cash in hand. He may like to pay in other modes of payment. In such a case, if your business is not equipped with a credit card machine system, you will not be able to entertain your customer. You will lose a potential customer as your company does not have a card machine. If you do not want to see yourself caught in such a situation and want to handle every kind of transactions, you require a business credit card device at the earliest.
A credit card system installed in the realm of your company gives you the confidence and the power to have transaction with all the customers and in almost every mode possible. The implementation of this system into your business takes your least possible time and effort. The best part about these machines is that it helps you generate more business. More business means more profits for the company. Now, you are convinced and ready to get the machine installed at your place of work, you should look for the best company that deals in the credit card machines. You should look for the company that offers the best services and the installation of the device in your company. The company you choose should also give after installation services in case you need help with the machine and its functioning. Make a thorough research in the market and compare the services offered by various companies before actually signing a deal with the company of your choice.
The foremost thing to look for is the fees that the company will charge for installing the device in your place of work along with the fee charged on the daily transactions that your business undertakes. The credit card industry is notorious for the hidden costs or fees charged to the person using the card and the device. You should be wary of such companies and should inquire the company of such hidden costs before hiring their services. Although there are many reasons for you to research on the fees charged on your debit and credit card devices, but the key factor is that the applicability of charges on your everyday business transactions should be deducted from the company’s profit. To counter the huge fees that you pay for the usage of the system, you need to increase the price of the articles in your shop.
However, getting a credit card machine installed in your company gives a boost to the financial status of the company. It is certainly one of the easiest and the fastest mode to generate more profits of the company.
Selecting health insurance for a small business is a somewhat complex task, at best. Whichever health insurance program you pick, it must match your company's needs and resources, so it is best to choose a self-employed health insurance professional that can guide you, and provide you the best information to enable you to make the best and most informed decision.
Health insurance professionals are:
Agents work on behalf of the company marketing and selling their products, and are paid commission based on sales.
Brokers are licensed and represent a number of different company's products, usually compensated by the insurance company the sale is placed with. The broker must provide on-going service to clients of the company.
Consultants evaluate group needs, design plans, and recommend the most reasonable company. The consultant is paid through the contract with the employer group. The contract outlines fees and servicing for the company.
When choosing a company or carrier, you should make an informed decision based on the plans offered, the company or carrier's reputation, the agent's reliability (talk to people who use this company), the company's stability, and length of time in business.
The New York State Department of Insurance publishes compliant ranking for health insurance providers that includes records of grievances, appeals for medical necessity, and department complaints which you can access through the following website: http://www.ins.state.ny.us
To find out about the financial stability of the company, ask for a copy of its ratings through A.M. Best & Co, Duff & Phelps, or Standard and Poor's. For additional information, contact the New York State Insurance Department, as they issue the carrier's licenses, and monitor their carrier's operations.
You should also make note that insurers are required by law to disclose information on coverage parameters, utilization, review policies, prior authorization requirements, premiums, cost sharing, payment methods, responsibilities, grievances procedures, how to acquire emergency services, as well as procedures for selecting, changing, or accessing providers.
As the owner of a policy from any health insurance company, you have certain rights. Most insurance contracts now have grievance conditions and clauses built in. This is useful if a provider denies access to a referral or judges, a benefit not covered under the signed policy agreement. The procedure must be outlined in the agreement and must be provided to the policyholder as written notice.
You, as a policyholder, with a built in grievance procedure have the right to complain and have your complaint reviewed.
Nowadays, a lot of people are taking advantage of the internet's popularity and convenience by finding work from home opportunities. This is also the reason why many investors also have an eye for putting up a computer home business to get additional income in the comforts of their own homes and spend more time with family and yet earn a sum of cash to add up to their savings.
One of the popular businesses choices done from home is Forex trading. In the past, foreign currency trading was done in a trading floor where a lot of people are on the run to place their trading positions fast for companies to make the most profits or to quickly cut losses. But today, the internet has made it possible for individuals to trade to buy and sell currency pairs in the comforts of their own homes 24 hours a day and 5 days a week with the aid for Forex robots.
How is it possible for people to work from home using these applications? First of all, Forex robots monitor the market 24/5 and generate trading forecasts from the computers. What they just need to do is to leave the computer switched on, the application running, and a stable internet connection for your robot to generate current trading market trends based on data gathered.
These applications are directly connected or linked to the Forex market. Thus, the reports generated from the forecast are actually accurate and you can use it as your guide for your computer home business trading.
Aside from the forecast, another feature that the business owner can benefit from forex robots is that they can help the user execute trading positions in the market at the right time. This is because one of the fundamentals of trading is opening or closing your trading position at the right time to earn.
This means that the foreign currency trading market exchange rates fluctuate so it can be either beneficial or detrimental to your investment. After the software has alerted you that you can now enter the trade, then it is profitable for you. If it asked you to exit, then you must do so for your still earn a profit than losing a sum of money.
Aside from just the trade right time to trade, a Forex software will also be able to tell the trader the right move that he or she has to make. Analyzing the market again, the Forex software will tell you the right move for the current market.
The software may instruct you to buy, sell, or even stand by. The good thing about these software is that there is a little to no risk at all. Primarily, the trade moves that the Forex Robot suggests you to take advantage of is accurate with the market's state so it will not be a problem.
The good thing about this application is that they use different analytical method to come up with the predictions and suggested trading position. Aside from the data obtained from the market, they would also use the factors that affect the market, such as economy, to generate a forecast for you.
In conclusion, computer home business traders can find these Forex trading software very beneficial for them. This is because they don't need to analyze the market themselves and with the accuracy of the software giving its prediction will bring profits to them.
The goal of a Boston estate planning service will be to make sure that all the testators or the owners financial wishes are met upon their death rather than decided by a court. An attorney will help plan the estate through several legal entities. These include trusts, wills, power of attorney, health care and many more. This is an important part of the process because it helps the beneficiaries of the will to attain the assets rather than the estate going into probate and awaiting the judgment of the court. To begin planning, finding an attorney who is an expert in this is a must.
The first step involved in Boston estate planning is getting all the related documents in order. An estate might have several parties attached to it. It's important to have the information related to bank accounts, insurance plans, inventory lists to household items and debts in order before meeting the lawyer. In case there are any more documents required the lawyer will ask for it. There is no limit to the information that needs to be provided to the lawyer. The more the information, the more it will help the lawyer plan better. However there are a couple of aspects that a testator or the owner must know before hiring a service.
Some Boston estate planning services can charge a huge sum of money. It's better to find out the cost of the estate planning before opting for it. Reducing tax on the estate is important. This is the information which only your Boston will lawyer can provide. This is to make sure that there is no issue with transferring your assets to your beneficiaries after your death. The will lawyer can also provide important information on how often the will needs to be updated. Once you have all this information you can ask your lawyer to begin planning your estate.
People often have certain objects that they wish to leave to the people mentioned in their will. These can be objects of sentimental value. Drafting a will with the help of a Boston trust lawyer should help with such kinds of asset allocations. Avoiding an estate going into probate is one of the main intentions of estate planning. The probate process can be very hurtful to your family as the judge gets to decide how the wealth is distributed as per his discernment. In some cases your family might benefit but there's no guarantee that your family will end up with something.
It is no secret that these cards can have a detrimental effect on the finances of someone already in financial hot water, but if applicants show themselves to be responsible and reliable, then the score matters little. Getting approval fast might be tricky, even if the waiting time is often only about 48 hours, but there are clear benefits to be enjoyed.
And with credit card companies paying more attention to income than credit history, there is always the chance for those who in the past have been foolish to be approved and be on their way to a better financial future.
Why Get a Credit Card?
It might seem foolish for someone in financial dire straits to apply for a credit card, with bad credit scores suggesting their application would be rejected anyway. But, in fact, lenders recognize that a card is just as viable a route towards financial recovery as a loan.
It comes down to the sense of responsibility the applicant has. Getting approval fast should not be a key factor in their eye, since getting these cards is not about getting a source of funds for a shopping spree. There is potential to take control of existing debt and rebuild credit status.
The fact is that credit card companies are providing consumers with a chance to clear outstanding loan balances and a structured repayment schedule. This means that slowly but surely, debts can be paid, credit ratings rise and the overall financial situations can be improved.
Getting Your Application Approved
Card issuers hesitate in approving applicants seeking a credit card with bad credit. Getting around this problem rests on a few factors, not least identifying the purpose of the card and proving an ability to afford it.
The reality is that getting approval fast is not really part of the deal, with all issuers set to consider such applications carefully. The purpose of the card is important information, with debt consolidation arguably the best motive for seeking one. This is because it shows a constructive attitude towards reigning in debt, rather than having a good time.
Being able to afford the card comes down to the card limit, interest rate charged and the available income that the applicant has. Credit card companies usually provide low limits, perhaps no more than $1,500, so the owner cannot worsen their situation. If there is enough income at hand then even with a high interest rate, everything can stay under control.
Consider a Prepaid Card
VISA is known to over prepaid credit cards that are much more likely to be approved. This is because the balance is paid in advance, so getting a credit card with bad credit is no great matter.
In practical terms, there is no real difference between this kind of card and a regular one. The chief advantage is that, by making a prepayment, getting approval fast is no problem. This basically means that the card is really a debit card, but technically, there is some credit given.
Another option for applicants is to apply for secured credit cards. These are cards that are issued on the back of some item of collateral that can be used as compensation if necessary. Credit card companies like this option because it gives them some protection. But the item is lost if the card is defaulted on.
If you want to discover an information marketing system to make money online, then read this now. You will discover a step-by-step guide to information marketing.
Step 1: Find a Niche
In the beginning, you want to find the right niche. You want to go into a niche that you are passionate about and has a lot of profitability. Again, you want to have a combination of passion and profitability to choose the right niche. In addition, you also want to be focused on a specific target market. The more targeted you are in your market, the more money you will make. Contrary to what most people think, you will have more success by being targeted in your niche. Plus, you will have less competition going into that market.
Step 2: Create a Product
Second, you want to quickly create your own product. I highly recommend you to create a digital information product. Information products are great because they are highly profitable and you don't have to deal with inventory. I recommend you to create your own eBook in your niche. Just write an eBook solving a problem that your target market has in your niche. I generally recommend you to write around 7000+ words in your eBook.
Step 3: Build a Website
After you write your own eBook, you want to create a simple mini-website. Basically, you want to have an opt-in page, sales page, and download page. Just get yourself a simple website creating software and create those 3 basic pages. Then make sure to insert the payment link in your sales page that leads to the download page. There are many digital product payment processors on the internet. Just choose and get started. If you want to get it done fast, I encourage you to outsource this work. You want to be the guide to information marketing business while the outsource workers do the work. Following this will be a proven information marketing system to sky rocket your success online.
Step 4: Market a Website
Next, you want to market your website. There are three main ways to market your website. The first is email marketing. You want to do this by creating a newsletter and selling your products through the newsletter. Some experts say that 80% of sales are done through email marketing. Another way to market your website is to do article marketing. You want to create an article and build back links to your website. Another method to bring traffic to your website is video marketing. Basically, you want to create videos and lead viewers to go to your website.
Step 5: Make Money Online
The final step is to watch your website get more traffic and thus make money online. Remember, the first sale is just the beginning. You want to continue making more information products to sell your customers because customers are more likely to purchase from you again.
After you finish the above steps, you just want to duplicate. There is no more secret on how to make money with information products. The key is to duplicate and take massive action.
It is difficult to criticize anyone that has found themselves deep in debt as a direct result of their credit card usage. The truth is that it is all too easy to be overwhelmed by them. And given that the average American has four cards to their name, with a combined balance of $50,000, simply clearing credit card debt can be extremely difficult.
Of course, those already with credit card troubles are hardly considered excellent credit borrowers. So, when it comes to applying for a debt consolidation loan with bad credit, can the terms available make the deal as effective as we would like to think? The simple answer is Yes!
Consolidation Solves The Problem
You might wonder how we can be so certain that debt consolidation loans are an effective solution to the problems created by credit card debt. Well, the fact is that with this loan the entire debt can be cleared in one go. After all, consolidation means gathering the separate elements together to create a stronger position.
When it comes to clearing credit card debt, this is really the only way to go. Interest rates can be as high as 22%, so when a payment is missed, the missed payment fee combined with the interest can very quickly become too much to handle. In fact, a $50,000 debt can increase by as much as $1,000 each month.
Even when securing a debt consolidation loan with bad credit, the loan sum is enough to clear all of the card balances and because the interest rate is smaller, and the loan term is longer, the size of the required monthly repayment is much lower than the combined minimum repayment sums. So, savings are made too.
Bad Credit Is Generally Ignored
It might seem that having a poor credit rating is a debilitating factor when it comes to getting a debt consolidation loan, but in fact, the rating has little influence over the application at all. For a start, this kind of loan is designed to help those with poor credit scores, so approval is likely anyway.
Lenders are interested in affordability rather than any score on a credit report because the score itself only represents the credit history of the applicant, not their current ability to make repayments on time. And clearing credit card debt is dependent on being able to make the required repayments anyway.
And how is affordability established? Well, when applying for a debt consolidation loan with bad credit, the lender needs to be sure that a means to repay exists. This means that the applicant must be in full-time employment, and that they have adequate excess income to meet the repayments.
Choosing The Right Consolidation Loan Provider
So, now that the advantages of using a debt consolidation loan are clear, where can the loan be secured from? There are two choices: either go to a loan provider, or go to a consolidation company.
The loan provider is ideal when the overall debt is low, perhaps not reaching anything more than $25,000. Larger loans can be secured, but bear in mind that the responsibility for repaying the loan falls on your shoulders completely. The best of these lenders are found online, especially when seeking a debt consolidation loan with bad credit.
However, a consolidation company is best when the debt involved is extremely high. Clearing credit card debt is a challenge, and requires discipline, and a company takes control of your finances to ensure that a strict budget is stuck to.
A businesses size definition varies by country and by industry. The same size consideration in Australia might be vastly different than here in the States. So too would the small business accounting be different. Here, a small business usually has less than 250 employees in the manufacturing sector and less than $7 million in annual receipts for non-manufacturing industries. Other factors used to define the size of a small business include sales, assets and net profits.
There are many types of small businesses, but they usually fall into the following categories: neighborhood convenience stores, bakeries, delicatessens, hairdressers, trades such as carpentry and cooking, lawyers, accountants, restaurants, bed and breakfast and guest houses, photographers, online businesses like web design, content writing and programming. There are many more types, like jewelry makers and water well hunters, but for the most part small businesses fall into the above categories. Small business accounting might be necessary for your business, circumstances depending.
You might not need small business accounting, if you are able to easily keep track of all outgoing and incoming money and have no employees. The more employees you have, the more expenses there are and if there are various methods of earning money, might all conglomerate to make doing one’s own accounting much more complicated. For instance, there are provisions in the Patient Protection and Affordable Care Act that may give your small business tax credits, depending on how many employees and how much the employees make. Knowing about this is nice, but if you are not skilled with doing the taxes for your small business, then you may never know about the tax credits you may be qualified to receive.
Small business accounting can be complicated, or it can be simple, it all depends on the business itself. Finding a skilled accountant should be a top priority if you find yourself needing one. Hiring the right accountant for the job would be an investment in itself because of the time and headache it might save you. Doing you taxes properly will also give you peace of mind that the Internal Revenue Service will not be knocking at your door anytime. Finding the right accountant may be tricky task as well because we have all heard stories about embezzling accountants or ones that managed to help their employers into a jail cell. They are not everywhere, but they should still be watched out for, like having a lifejacket close to hand while in a boat: just in case. Do your research and ask to see certification or find a distinct and credible accounting agency.
ShopBest is the place where you can earn cash back points while shopping online. Once you download the toolbar the rest is easy. Every time you go to a website to shop, the toolbar will know this and you will automatically earn cash back points. Sites like eBay, HSN, Orbitz, Best Buy, Wal-Mart, Target, Sears, Saks, Office Depot to name just a few. They have over 2000 stores and are continually adding new ones. What is the real value of this? Well my experience is that I am too busy to go to the malls and stores to shop. My buying habits have change to the internet. This is really helping me simplify my life. So if I'm going to spend money there anyway, why not earn money doing it?
In addition, you will discover stores that you did not know existed to get even better deals. The other day I had to buy ink for the office. As much as my office uses you'd think I'd own an ink company. We have tried everything to save money in this area. I've bought recycled, but they don't last as long. They must not put the same amount of ink in those and we figured out we were ending up paying more. So I decided to try looking at ShopBest and I searched office supply stores. When I scrolled down the list I found new stores I had never heard of and I ended up purchasing from the Inkjet Superstore. My $35 ink cartridge was only $13 there. Plus it was a new cartridge not a refill. It certainly has lasted longer than any of our refills which makes me really happy.
Do you sometime forget what you have ordered online? When you reorder things, do you sometime forget how you got it in the first place? Do you forget how much you paid for things? Well another benefit of the toolbar is that it tracks your purchases. All you have to do is go to your ShopBest site to look up your transactions. Here again, this is helping to simplify my life.
Finally, If you are looking for a way to earn extra money, ShopBest also offers a business opportunity.
Shopping Online has just developed a new twist. Part of ShopBest is inviting people to join their sales program. Yes, you can actually earn money from the shopping habits of people who download the toolbar. When you go to the ShopBest website a video comes on to explain all the features and benefits of this program. The Executive Team at ShopBest have thought of everything. They help facilitate their affiliates by providing tutorials and links to all the social networking sites. Cutting edge technology with the ShopBest Toolbar and Cutting edge Marketing and Training platforms. What a Great Company!
This business model has been around for a long time and anytime someone has approached me with an opportunity I would usually just roll my eyes and say not for me. But this industry has had major changes with the tools the internet offers. There are now specific platforms that people can set up to become successful using this model. It is really amazing that you can set up a very successful network without having to invest a ton of money.
In summary, most people will just want the benefits the toolbar offers through cash back points and awareness of places they can buy things for less. All they have to do is go to the sight and download the free toolbar. Others may want to integrate it into their lives by becoming an affiliate. They have all the social networking tools at their disposal with videos to show them how to set it all up. My only question is what will they think of next?
Choosing e-currency with us allows you to send cash and receive money online. This virtual currency has the same value as your regular currency but is tailored for a range of online transactions.
EgoPay is not only a secure payment gateway but is also low cost, which has full customer support. This allows you to receive money quickly and easily as well as that support when you need it the most.
Its low commission rate makes it is an effective tool to make money online. You can also use this service to send money to friends and family overseas as well as purchasing goods and services and receiving money over the internet being particularly suited for international transactions.
EgoPay is registered in Belize and utilizes advanced 256 bit SSL encryption for your security and peace of mind, you know your money is safe with us when you send cash. It is also backed by a support ticket system as well as live support.
It is free to open a new account, anyone over the age of 18 can register with us. It is possible to have multiple accounts too, although you can only register one account per email.
To speed up the process we don't need to verify any details during the application process. So you get set up and start sending and receiving e-currency quickly and simply. You can literally be up and running within minutes, unlike some payment systems which can take days.
Also the transfer of funds from one EgoPay account to another is instant, so there is no waiting for funds to clear. You will be able to access your account with your simple to use EgoPay wallet, having full access to your account whenever you need it.
What is EgoPay?
EgoPay is an e-currency, which is an electronic form of payment that you can use to instantly pay for services and goods online. This means your wont have to provide your sensitive credit card or bank details to unknown sellers or individuals when you want to purchase items locally or across borders. EgoPay fees are very competitive and contrary many other services, we do not ask for you to provide any personal identification.
Making a living from information marketing is not always easy. In fact, many do not succeed in their information marketing ventures. Here are 5 sure-fire ways to increase your profits per sale from information marketing:
1. Turn Your Product Into A Continuity Program
Instead of selling a product that only collects payments one-time, why not set up a membership site as one of your products that automatically bills your customers every month? That's like guaranteed money in the bank every month, if your customers stay enrolled in the membership.
2. Create An 'Upsell' Product
Create a product that's a bigger package than your front end product . Perhaps you can add in an audio or video component of your ebook, bonus interviews or bonus software. Promote this product on your order page as an upsell.
3. Create A 'Downsell' Product
A downsell product is the product that is presented after your customer rejects your upsell product. This is typically a 'watered down' version of your upsell product. It is another chance to grab additional sales while your customer is in a buying mood.
4. Promote Related Products On Your Download Page
On your download page or thank you page, promote related affiliate products or other products that you have. This is yet another chance to grab more sales.
5. Build A Mailing List!
Most important of all, build a mailing list. It allows you to follow-up with your customers on related product offers. As they say, the money is in the list, and if you build a list, it will only be beneficial and result in increased profits for your business.
Consolidation is all about bringing together all of the existing debts and clearing them all at once. This basically means that the troublesome debts are removed and replaced by a single, more manageable debt. The motivation behind clearing existing debts in this way is that it effectively lifts the pressure immediately.
But there are conditions to getting a debt consolidation loan, even if it is designed to benefit those of us in very poor financial positions, and with very poor credit ratings. And qualifying for the right program from the right lender is crucial to ensuring the success of the strategy. But what options are there?
Advantages Of Consolidation Loans
There is no doubt that taking out debt consolidation loans for bad credit management purposes is a wise move. When repaying existing loans becomes too difficult, many people opt for bankruptcy, but this decision comes with severe consequences.
Unlike bankruptcy, clearing existing debts through consolidation does not result in a black mark being put against your name. Your credit is not removed for 2 years, and it is possible to seek other loans immediately (though this is not advised). Crucially, there is no stigma attached with consolidation.
There are practical advantages too. The fact that the debts are cleared means that the credit scores is improved, which means better terms for future loans. And with lower interest and a longer repayment terms, the monthly repayments on the debt consolidation loan are low, freeing up extra funds for other bills.
Alternatives To Consolidation
While choosing debt consolidation loans for bad credit management is an effective method of dealing with debts, there are other options out there. However, they have various positives and negatives that should be considered.
For example, a payday loan can be used when debts are low, with lenders granting funds of no more than $1,500. The reason is that the loan is granted against an upcoming paycheck, so the loan needs to be kept as low as possible to allow repayment in one go.
When clearing existing debts, this might seem like a practical option, but while it can be affective it is also very expensive. The interest charged on the loan can be as high as 35%, and the repayment term can be as short as just 14 days. A debt consolidation loan is more reasonable.
Choosing A Consolidation Company
An alternative to getting a loan directly is to hire a debt consolidation company to take care of things. However, it is important when going through a professional service provider to get a debt consolidation loan for bad credit borrowers to watch out for unscrupulous operators.
A consolidation company will buy out the debt and then make a repayment arrangement with the borrower. However, there are extra costs to the interest charged, with a fee expected for the services provided by the company.
This is an effective way of clearing existing debts, but be wary of companies that seek an advanced payment of their fees. This is illegal under financial rules, so any such request is a clear sign not to sign the debt consolidation loan agreement.