Saturday, June 30, 2007

Finance & Debt-Relief: Your IR is Essential to Your Market Position

Often people look for the latest and greatest bells and whistles to
market their company. Fact is, one of the most powerful marketing
strategies is one that many folks overlook. Something that can make
or break a person’s reputation and their ability to gain and
maintain strong position is their IR or the Integrity Reading. The
IR determines their level of integrity. My definition of integrity
is simple.

Finance & Debt-Relief: Why a Collection Agency Is Your Small Business

Does the term collection agency put you on edge? If you are
like many small business owners, the mountain of debt you
accumulated during startup might have been enough to make you worry
about collection agencies every time you answered the phone. But
your feelings toward collection agencies are eventually going to
change, if they haven't already.

Finance & Debt-Relief: What to Consider when Filing for Personal Bankruptcy

President Bush in April signed into law The Bankruptcy Abuse and
Consumer Protection Act. This bill promises many changes to law, and
will make it more difficult for the average person in financial
trouble to have debts removed with bankruptcy. Recent social and
economic changes indicate that those considering a bankruptcy should
do so now, as the queue is getting longer.

Finance & Debt-Relief: What is a Reverse Mortgage?

Simply stated, a reverse mortgage is a loan that enables homeowners (age 62 and older) to convert part of the equity in their home into a tax-free income without having to sell the home, give up the title, or take on a new monthly mortgage payment. More and more homeowners are using this to supplement their retirement income, pay for health care, modify their home, or just get some cash for emergencies. Since this is a new product, some people have misconceptions of what a reverse mortgage is. The bank doesn’t give you money and take your house. Let’s look at some of the most common questions.

Finance & Debt-Relief: Using Payday Advance Loans Wisely

Thinking about taking out a payday advance loan but worried about
falling into a debt trap? Read this real-world scenario of how one
person navigated the maze of payday advance loans to stay out of
debt.

Ever wonder how some people manage to take out expensive payday
advance loans and still come out on top financially? It’s not easy,
but it is certainly possible. This is the story of Emily, one person
who used a payday advance loan to dig herself out of a financial
rut.

Emily’s charge card,

Finance & Debt-Relief: To Factor or Not to Factor?

The purchasing of accounts receivable (invoices) is generally known
as factoring. Businesses can sell their invoices to companies known
as factors. Although not all business are familiar with factoring,
historians claim that factoring dates back to the ancient Roman
civilization making it one of the world’s oldest methods of finance.


In the past, merchants used factoring to settle their trade debts
among each other. Fast forward to today’s businesses profiles and it
is apparent that factoring is still a very viable business tool for
businesses all types and sizes. Can factoring work for your
business? Consider the following benefits:

Friday, June 29, 2007

Finance & Debt-Relief: The Use of Common Stock in Venture Capital Transactions

When raising capital for a business venture, a company can either
raise debt capital, equity capital or a combination of the two. Debt
capital is money loaned to the company at an agreed interest rate
for a fixed time period. Conversely, equity capital is money
invested by owners (shareholders) for use in business operations
that need not be repaid. Combinations include convertible securities
which may be debt that can be converted into equity at some point in
the future.

The simplest form of equity capital is common stock. Common stock
has many distinguishing factors as follows:

Finance & Debt-Relief: The Ins and Outs of Credit Card Debt Settlement

Are you a self-confessed shopaholic who buys anything and everything
that you get your shopping addicted hands on? Such thoughtless and
impulsive buying will most likely result in the accumulation of a
bunch of junk that will simply collect dust. Can you even remember
that silk scarf you just had to have and since it was a virtual
steal at 50% off you just had to buy it? Where is it now and how
many times have you actually worn it? Is it still fashionable?

Finance & Debt-Relief: The Distribution of Global Capital

This week the Live 8 mega-event turned our attention to the problem
of poverty. We learned that a child dies from it every three
seconds. While we wait for the world to finally do something in
order to save the African kids, we should look closely at the
statistics and the true extent of international poverty.

The distribution of Global Capital

Wednesday, June 27, 2007

Finance & Debt-Relief: Small Business Debt Collections Law Trap

When someone owes your small business money, you certainly feel like
a victim. But did you know that if you aren't careful, you could
break the law by trying to get the money back?

How to Break a Federal Debt Collection Law

You have a small business, and your bills are coming due soon. You
could easily pay those bills if a few thousands dollars of overdue
invoices were paid. It's time to give your clients a few friendly
reminders…

Finance & Debt-Relief: Small Business Collection Agencies Get You Paid

If you're like many small business owners, the mountain of debt you
accumulated during startup might have been enough to make you worry
about collection agencies every time you answered the phone. But
your feelings toward collection agencies are eventually going to
change, if they haven’t already.

Small Business Collection Agency Services: More Benefits than Costs

Finance & Debt-Relief: Small Business Debt Collection Letter Writing

Writing a debt collection letter is one of the most important skills
of any small business owner. Do you have what it takes to get the
money you’ve earned?

I have a confession: I'm a business writer who's let clients get
away with not paying me--a huge sign of failure of my writing
abilities. You see, I never learned one of the most important
writing skills for any self-employed person or small business owner:
how to write a debt collection letter.

Debt collection letters--an overview

Finance & Debt-Relief: Small Business Debt Collection Law Cheat Sheet

In your small business debt collection laws will eventually become
important, as your debt grows and some clients do not pay.

To collect small business debts legally, you must first send a
written notice that collections have begun, within five days of
first contacting the debtor for collections (for instance, within
five days of calling on the telephone). The letter must include
dispute instructions.

Small Business Debt Collection Laws Forbidden Practices

Finance & Debt-Relief: Short Sale Success Secrets with Foreclosures

If you're active in real estate investing, you may already realize
one of the biggest issues real estate investors face: Finding Great
Deals.

Foreclosures at a 52-year High

With foreclosures at a 52-year high, there are thousands of deals
available on the market, if you know where to find them and how to
secure them. The first challenge you'll face once you locate the
property is that most of these homeowners are mortgaged to the hilt.
They have no equity, and big loan payments. In fact, many actually
owe more than the property is worth!

Finance & Debt-Relief: Securing a Debt Consolidation Loan

It's the day you've been waiting for the last two weeks... payday
and the only time when your face lights up and you actually go to
the office with a lot of wonderful, dreamy thoughts in your head -
such as how fast you'll be able to bolt out of the office and get
yourself down the to nearest mall and you can already smell the
Caffè Verona® you plan on ordering at Starbucks. Either way, you
seem compelled to impulsively spend all of that hard-earned cash on
something that in all likely-hood you can do without. Like that
dress you'll probably wear just once or the Egyptian silk sheets
that you've been drooling over ever since you noticed that Jessica
Simpson on Newlyweds sleeps on in luxurious comfort. Never mind they
are actually worth fourteen hundred dollars... but like you always
tell yourself - you deserve it. Besides, what's the harm in
rewarding yourself for a job well done? You deserve some pampering
too.

Tuesday, June 26, 2007

Finance & Debt-Relief: Reverse Mortgage Offers Fresh Approach To Income From Real Estate

If you owe 40 percent or less of your original mortgage, there is a great program that is available to you that will generate extra monthly income. It’s called a reverse mortgage. The reverse mortgage is similar to a home equity loan, only in the fact that it pays you the equity you have in your house. The differences, though, are many. If you have a large amount of equity in your home, you’ll want to consider a reverse mortgage.

Finance & Debt-Relief: Reverse Mortgage

Reverse mortgages used to be considered the last resort of desperate retirees who needed to borrow against their home equity in order to pay for medical expenses. With home prices across the country rising at astonishing rates, more and more retirees, aged 62 and over, are taking out reverse mortgages to fund better retirement living. A reverse mortgage works more or less the opposite way from a conventional mortgage; the borrower receives payments from the lender in the form of a lump sum, a line of credit, or monthly payments. The amount borrowed constitutes a lien against the home must be repaid upon the death of the borrower, or when the home is resold. There are costs associated with a reverse mortgage, however, and potential borrowers should be aware of these when considering taking out such a loan, particularly if the borrower takes out a line of credit.

Finance & Debt-Relief: Refinancing Your Home Loan? When Should You Refinance Your Home?

If you have a current mortgage and are unhappy with the interest rate or the amount of the monthly payments, it is possible to refinance your home and eliminate your problems. But before you call your lender, there are some questions that you should ask yourself in order to determine whether or not it’s the right time for refinancing your mortgage loan.


The first question that you should ask yourself is if you have the cash on hand to pay the fees. Depending on the amount of your mortgage, and the specific fees that your lender will charge, you could pay anywhere from a couple of hundreds dollars to a few thousand. Be sure that you’re financially ready for the move before applying for the loan.

Finance & Debt-Relief: Legal Debt Collection For Local Businesses

If a customer owes your local business money, it's hard not to feel
angry, like you want to do anything possible to get your money back.
But the days of going all out to collect on a debt over.

The Fair Debt Collection Practices Act, designed to protect
consumers from harassment or intimidation, sets firm limits on what
you can do to collect a debt from a consumer. The federal debt
collections law even prohibits practices that were once standard,
and that you might not consider harassment at all.

Besides, as a local business, you have an even more powerful reason
to be especially careful about legal debt collection issues. You
have something much more valuable at stake than a lawsuit: your
business's reputation in the community.

Finance & Debt-Relief: Making it affordable: Nine tips for first time home buyers

It seems that everyone loves a good real estate story. The media is filled with reports about soaring property values and home owners of modest means becoming instant millionaires when they sell. As a result, many first time home buyers, afraid of missing out, will rush into buying decisions and achieve less-than-spectacular results. As a first time buyer, your biggest challenge is to balance livability and profitability in a way that makes sense for you and your family. Remember, you are buying a home first and an investment second. Of course, there’s no foolproof formula for buyer success, but there are steps you can take to stack the odds in your favor:

Finance & Debt-Relief: Invoice Factoring

Are you a business owner who wants to increase monthly cash flow,
working capitol, and improve your credit rating? Then invoice
factoring could be right for you.

Invoice factoring is the process by which businesses sell their
invoices to a third party, called a “factor.” The factor buys the
invoices for about 3 to 5 percent less than the invoice is actually
worth. If your business produces any type of invoice, then your
business can take advantage of invoice factoring.

Finance & Debt-Relief: Instant Unsecured Cash Loans - Tips

Cash Loans - Tips
Unsecured cash loans are taken when the borrower does not have a
property to secure the debt. These loans usually have higher
interest rates and are considered high-risk loans by lenders. Today
with various funding organizations, banks and financial institutions
entering a competitive business scenario, obtaining unsecured cash
loans has become an easy and quick process.
Here are a few tips to help you obtain a quick unsecured cash loan:
Purpose of loan

Finance & Debt-Relief: Improving Your Financial Situation With Investments and Business

With financial information and virtual business transactions just a
click away, people are finding themselves more financially savvy and
in the know on how to fatten up their financial portfolios.

While most people rely on banks and properties to secure their
retirement days, others who are smart enough and worldly enough with
the affairs of the green buck opt for more lucrative financing
opportunities. They do not just let their money sit idly inside a
bank vault and wait for the interest to add up. A few actually roll
their money and invest them in the high stakes of stocks, bonds and
currency.

Finance & Debt-Relief: How To Write a Credit Policy For your company

The book, “Become the Squeaky Wheel,” by New Hampshire author
Michelle Dunn, says the different ways people use and extend credit
makes or breaks your credit policy and bottom line, which could
result in less or more sales and money for your business.

“Business owners all have different types of businesses but can all
extend credit,” explains Michelle Dunn. “So it should only make
sense that no two credit polices can be the same.”

Monday, June 25, 2007

Finance & Debt-Relief: How do commercial debt reduction companies work?

Don’t stress it – commercial debt reduction companies are proven
authorities in debt negotiation to reduce your commercial debt in
the best way possible for you, especially when you’re least
interested in the worst alternatives like Chapter 11.

The best debt negotiation companies are there for your small
business or medium-sized company - the size of the companies
involved is never an issue to these debt negotiation professionals.
The heart of the matter is debt reduction to take your commercial
debt through rough patches including recession that creates those
limited dry spells in your cash flow.

Finance & Debt-Relief: How A Home Business May Protect You From The Housing Bubble

Not everyone agrees there is a housing bubble which will have an
impact on the entire economy, but how about one that has an impact
on you? If your home was devalued, even temporarily, do you have the
cash flow to sustain your credit or allow you to sell your home
without getting into debt? In the US today, many people live in
homes which have positioned them in a loosing financial situation.
How can a home business improve your financial position and protect
you from the potential effects of a housing bubble?

Finance & Debt-Relief: Home Mortgage Loan Refinance

Here are some of the benefits to doing your home loan refinance online:
Everything seems to happen faster - Online, when looking for a mortgage loan you can search around, fill out an application and a few minutes later, you can be receiving a pre-approval letter via email. There was no calling, no driving & no waiting on hold for an answer. The mortgage company will usually contact you quickly and give you all the information you need to move forward.

Finance & Debt-Relief: Home Equity Loans ... Wise or Unwise?

Over the past few years many Americans have established lines of
credit secured by the equity in their homes. For marginal borrowers
this can turn out to be highly risky as it exposes these families to
the loss of their homes. Lenders tend to quickly change colors from
friend to foe in times of financial crisis and need and will "take
it away if you can't pay".

Prior to mortgaging or refinancing a home one should consider what
the families finances would look like if one or more of the family
members living in the home lost their job or came down with a
serious illness.

Finance & Debt-Relief: Home Equity Loan

While only comprising about 1% of all mortgages, the reverse mortgage has gained in popularity in recent years. Federally insured since the late 1980’s, the reverse mortgage allows owners of paid-off homes to borrow against the equity in their homes in the form of a lump sum, a line of credit, or in the form of monthly payments. The loan is repaid when the owners die or when the home is sold or no longer occupied.

In the early years of its existence, the reverse mortgage was regarded as a “last resort” step to avoid foreclosure, pay medical expenses or keep the home from disrepair. More recently, however, retirees have been finding creative ways to use the equity in their homes to allow their retirement years to be more enjoyable.

Finance & Debt-Relief: Government Student Loan Consolidation

Are you behind on your bills? Do you have more than one student
loan? If you answered “yes” to either question there are some
terrific opportunities for you to lump your debt together with a
government student loan consolidation. Please read on for more
information.

When you graduated from school, more than likely your first job was
low paying and your expenses were high. It is not that uncommon for
students to rack up bills of 30, 40, or 50 thousand dollars or more
in debt, just to the school. Car payments, credit cards bills, and
everyday expenses can push your debt levels up through the
stratosphere. Time to think of getting some help. Time to consider
government student loan consolidation.

Sunday, June 24, 2007

Finance & Debt-Relief: Home Mortgage Loan Refinance

Here are some of the benefits to doing your home loan refinance online:
Everything seems to happen faster - Online, when looking for a mortgage loan you can search around, fill out an application and a few minutes later, you can be receiving a pre-approval letter via email. There was no calling, no driving & no waiting on hold for an answer. The mortgage company will usually contact you quickly and give you all the information you need to move forward.

Finance & Debt-Relief: Home Equity Loans ... Wise or Unwise?

Over the past few years many Americans have established lines of
credit secured by the equity in their homes. For marginal borrowers
this can turn out to be highly risky as it exposes these families to
the loss of their homes. Lenders tend to quickly change colors from
friend to foe in times of financial crisis and need and will "take
it away if you can't pay".

Prior to mortgaging or refinancing a home one should consider what
the families finances would look like if one or more of the family
members living in the home lost their job or came down with a
serious illness.

Finance & Debt-Relief: Home Equity Loan

While only comprising about 1% of all mortgages, the reverse mortgage has gained in popularity in recent years. Federally insured since the late 1980’s, the reverse mortgage allows owners of paid-off homes to borrow against the equity in their homes in the form of a lump sum, a line of credit, or in the form of monthly payments. The loan is repaid when the owners die or when the home is sold or no longer occupied.

In the early years of its existence, the reverse mortgage was regarded as a “last resort” step to avoid foreclosure, pay medical expenses or keep the home from disrepair. More recently, however, retirees have been finding creative ways to use the equity in their homes to allow their retirement years to be more enjoyable.

Finance & Debt-Relief: Government Student Loan Consolidation

Are you behind on your bills? Do you have more than one student
loan? If you answered “yes” to either question there are some
terrific opportunities for you to lump your debt together with a
government student loan consolidation. Please read on for more
information.

When you graduated from school, more than likely your first job was
low paying and your expenses were high. It is not that uncommon for
students to rack up bills of 30, 40, or 50 thousand dollars or more
in debt, just to the school. Car payments, credit cards bills, and
everyday expenses can push your debt levels up through the
stratosphere. Time to think of getting some help. Time to consider
government student loan consolidation.

Finance & Debt-Relief: Get Out Of Debt Faster With debt Stacking

Each month you pay the minimums and although you KNOW you've got a
handle on it - you are not charging your credit card or accumulating
new debts anymore - it seems that you will be paying the minimum
fees forever.

Did you know that HOW you pay your debts can affect how soon you
will finishing paying them off - even if you keep paying the same
amount for debt every month? Of course you might be able to get a
consolidation loan, but if you're not eligible or are not interested
then there are several other things you can do.

Finance & Debt-Relief: Financing and Refinancing Programs are Plentiful

As cliché as it may sound, the “Money makes the world go round”
adage still holds true. Especially nowadays when everything and
anything tangible or intangible can be bought with one’s dollars,
money is apparently of extreme importance. What if you want to buy a
home or start your own business? How do you go about your financing
endeavor? Read on for the best avenue that will “show you the
money!”

Finance & Debt-Relief: Do You Need Bad Credit Help

Are you one of thousands with no
credit and no collateral to help secure approval, or you just
have extremely bad credit and no one wants to help you, and all
you hear is stories and more stories?

Bad credit is a term used to describe a poor credit rating.
Common practices that can damage a credit rating include making
late payments, skipping payments, exceeding card limits or
declaring bankruptcy. Bad Credit can result in being denied
credit

Friday, June 22, 2007

Finance & Debt-Relief: Do You Need Bad Credit Help

Are you one of thousands with no
credit and no collateral to help secure approval, or you just
have extremely bad credit and no one wants to help you, and all
you hear is stories and more stories?

Bad credit is a term used to describe a poor credit rating.
Common practices that can damage a credit rating include making
late payments, skipping payments, exceeding card limits or
declaring bankruptcy. Bad Credit can result in being denied
credit.

Finance & Debt-Relief: Effective Policies and Procedures

In the past four weeks, we've brought to light four key areas in
which you can save $250,000 each -- for a total of $1,000,000. Point
by point, we've shown you just how cash flows through these areas,
making up the Cash to Cash Cycle.

And as we've seen, the cash cycle is undoubtedly the single most
important process to optimize for any business – from when you spend
money to when you get money.

Finance & Debt-Relief: Financial Woes - Consider a Debt Management Company

You've been working yourself silly for years and yet... you still
have no savings and the pile of unpaid bills seems to grow each and
every month. You have creditors breathing down your neck - calling
and sending you letters so much that you're afraid to answer the
phone or pick up your mail... it's a difficult and stressful pill to
swallow.

Sound familiar? Unfortunately, many people who are saddled with debt
seem to be under the delusion that everything will eventually go
away if they just ignore the situation. Therefore, they ignore the
calls they receive from creditors and simply stop opening their
mail. Not only is this living in denial but it's the equivalent to
financial suicide and will only extend and exacerbate the problem
the longer it continues.

Debt Relief From Debt Consolidation

If you are up to your neck in debt, there may seem like there is no relief
in sight. In fact this is not necessarily the truth. There are ways to
take all of your stifling bills and roll them up into one neat package by
using debt consolidation in two very popular forms Home Equity Loans,
Refinancing Loans, and a Consolidation Credit Card. All of these
instruments provide the debtor with one thing “relief” from the current
debt by shrinking it down to a single manageable debt.
Using home equity to consolidate debts

Consolidate Your Student Loans Now

The Federal student loan program has benefited thousands of college students in the forty years since it was introduced. Interest rates for the program have historically been quite competitive, and the program has allowed many people to acquire a college education who otherwise might not have been able to afford one.

At the moment, interest rates on Federal student loans are the lowest in history, but that is about to change. On July 1, 2005, the interest rates on Federal student loans will rise, due to an increase in the price of Treasury, bills, to which the interest rates on student loans are tied.

Finance & Debt-Relief: Debt consolidation

Americans are using credit cards more than at any time in history, and credit card companies are reaping record profits. One of the reasons that the credit card industry is so profitable is that so many of us use our credit cards unwisely.

If you have good credit, you can get a credit card with a reasonable interest rate; say 10% or so. You can keep that rate by paying your bill on time. On the other hand, if you pay your bills late or fail to pay in full, then you will have to pay late fees and interest. Late fees often range between $15 and $29; some card issuers may charge even more. Adding to the pain of paying late fees, however, is the likely change in interest rates on your card if you pay late. A late payment may trigger a substantial increase in the interest rate on your card, and that “reasonable” interest rate of 10% may suddenly rise to 20% or even 25%!

Wednesday, June 20, 2007

Finance & Debt-Relief: Debt Relirf From Debt Consolidation

If you are up to your neck in debt, there may seem like there is no relief
in sight. In fact this is not necessarily the truth. There are ways to
take all of your stifling bills and roll them up into one neat package by
using debt consolidation in two very popular forms Home Equity Loans,
Refinancing Loans, and a Consolidation Credit Card. All of these
instruments provide the debtor with one thing “relief” from the current
debt by shrinking it down to a single manageable debt.
Using home equity to consolidate debts

Finance & Debt-Relief: Debt Relirf From Debt Consolidation

If you are up to your neck in debt, there may seem like there is no relief
in sight. In fact this is not necessarily the truth. There are ways to
take all of your stifling bills and roll them up into one neat package by
using debt consolidation in two very popular forms Home Equity Loans,
Refinancing Loans, and a Consolidation Credit Card. All of these
instruments provide the debtor with one thing “relief” from the current
debt by shrinking it down to a single manageable debt.
Using home equity to consolidate debts

Finance & Debt-Relief: Debt consolidation

Americans are using credit cards more than at any time in history, and credit card companies are reaping record profits. One of the reasons that the credit card industry is so profitable is that so many of us use our credit cards unwisely.

If you have good credit, you can get a credit card with a reasonable interest rate; say 10% or so. You can keep that rate by paying your bill on time. On the other hand, if you pay your bills late or fail to pay in full, then you will have to pay late fees and interest. Late fees often range between $15 and $29; some card issuers may charge even more. Adding to the pain of paying late fees, however, is the likely change in interest rates on your card if you pay late. A late payment may trigger a substantial increase in the interest rate on your card, and that “reasonable” interest rate of 10% may suddenly rise to 20% or even 25%!

Finance & Debt-Relief: Collection Agency Secrets for Collecting on Bad Debt

Getting worried that one of your clients, customers or patients will
never pay? Have you given up on a customer who's essentially said he
won't pay? Congratulations--being stiffed by a customer or patient
is a milestone in the growth of a business or medical practice. But
even the most hopeless of bad debts can sometimes be
collected-collection agencies have been doing it for years. Here are
six of their secrets.

Finance & Debt-Relief: Business loans: translating potential for financial success and

A good entrepreneur knows that the essence of striking gold in
business is finding the right opportunity and going after it despite
the risks. These opportunities keep on sprouting when you are doing
business. Or you might have stumbled upon one and contemplating
taking it. Your financial condition may not help you to translate
your potential for financial success and independence. Business
loans can facilitate this translation.

Finance & Debt-Relief: Canadian Debt Consolidation

Life throws people a number of challenges often on a daily basis and
unfortunately, some of those are financial challenges. The loss of a
job, an illness and many other situations can make paying off loans
difficult to do. Sometimes people simply overextend themselves with
their financial commitments and find that they can’t always make
even the minimum payment on all of their loans. People from all over
the world are finding that they are running into similar financial
situations including Canada. Canadians as other nationals have the
option of trying to qualify for Canadian debt consolidation.

Tuesday, June 19, 2007

Finance & Debt-Relief: Credit Card Debt Freedom is Possible

Credit card debt have you drowning financially? You're not alone. The average American household carries $9,205 in credit card debt, according to CardWeb, an online industry tracker. Not managed properly, this debt can come to eat up all of your disposable income leaving little or nothing for bare necessities. Some people in this situation respond by charging more but that will only get you further in trouble.


Fail to plan and you plan to fail
There is this cliché that states that if you fail to plan you plan to fail. The first thing you need to do is evaluate where you want to be. Do you want freedom from your credit card burden? Is so, you need to develop a different action plan to the one you are currently following. Makes sense doesn't it?

Finance & Debt-Relief: Credit Card Debt Freedom is Possible

Credit card debt have you drowning financially? You're not alone. The average American household carries $9,205 in credit card debt, according to CardWeb, an online industry tracker. Not managed properly, this debt can come to eat up all of your disposable income leaving little or nothing for bare necessities. Some people in this situation respond by charging more but that will only get you further in trouble.


Fail to plan and you plan to fail
There is this cliché that states that if you fail to plan you plan to fail. The first thing you need to do is evaluate where you want to be. Do you want freedom from your credit card burden? Is so, you need to develop a different action plan to the one you are currently following. Makes sense doesn't it?

Finance & Debt-Relief: Commercial Collections: Business Finance Booster Shot

If commercial collections is not part of your B2B business plan,
you’re losing money. Get your cash flowing again with these
commercial collection secrets.

Commercial collections: fixture of the new B2B culture

If you’re in the business-to-business field, or even if you’re a
consumer products business that works through third-party
distribution channels, you probably know what it’s like to check
your mail anxiously each day, sifting through all the bills for that
payment that was supposed to have been in months ago.

Blogger Help : How do I put AdSense on my blog?

Blogger Help : How do I put AdSense on my blog?

Blogger Help : How to put AdSense in your blog's sidebar

Blogger Help : How to put AdSense in your blog's sidebar

Finance & Debt-Relief: Collection Agency Secrets for Collecting on Bad Debt

Getting worried that one of your clients, customers or patients will
never pay? Have you given up on a customer who's essentially said he
won't pay? Congratulations--being stiffed by a customer or patient
is a milestone in the growth of a business or medical practice. But
even the most hopeless of bad debts can sometimes be
collected-collection agencies have been doing it for years. Here are
six of their secrets.

BAD CREDIT PERSONAL LOANS

At some point during most peoples' lives there comes a time when
borrowing money is the only option. This may be to buy a house, a
car, for home improvements or simply to consolidate debts.
Persuading financial organizations to lend money, especially large
amounts, is easier for some customers than others. Those who find
borrowing particularly difficult are people with a bad credit
history. Bad credit includes County Court Judgments (CCJS), decrees
and past credit history problems. However, not all is lost is for
people with bad credit, for they can avail bad credit personal
loans. Never hear of it! Do not worry; we will tell all about bad
credit personal loans.

Bad Credit? First Time Buyer? You Can Still Get Approved For A Home Mortgage Loan

Do you have bad credit that you worry will stop you from being able to apply for a home mortgage loan? Have you given up on the dream of being a home owner? Well don’t. Take comfort in the fact that there are special home mortgage loans that you can apply for, that will make sure your dreams of becoming a home owner are fulfilled!


Home Loans Are Flexible - The first thing you need to keep-in-mind is that home loan mortgages are very flexible – they can be adjusted to meet the needs of any borrower. So, if you have a bad credit history, but circumstances have changed in your life and now you are looking to become a home owner then all you need to do is to find a lender who is willing to lend.
First Look at Companies That Specialize

Finance & Debt-Relief: Auto Loan Options for People with Bad Credit

Internet surfers with bad credit looking for an auto loan are
bombarded with advertisements most days. Many of these ads are
truthful in their bad credit auto loan options. However, there are
many things to avoid, and this article will describe some of those.

Directly financed auto loans for people with good credit are a bit
different than those with bad credit. People with bad credit are
expected to pay more of a down payment as well as a higher interest
rate on their auto loans. Many creditors won’t even extend an auto
loan to those with bad credit. Depending on how bad someone’s credit
is, auto loans can range from a 20 – 50% down payment requirement,
interest rates from 5-26%, and amortization (the length of the loan)
anywhere from 2-4 years.

Monday, June 18, 2007

Bankruptcy 101 | Debt Relief Information

Bankruptcy 101 | Debt Relief Information

Finance & Debt-Relief: Beware Of Bad Credit Payday Loans

Could bad credit payday loans be the answer consumers with low
bank accounts have been looking for? Is there any harm in using
these services? Aren't they better than using credit cards or
going hungry?

Have you seen the commercials? Cute characters promise financial
prosperity. Happy, professional individuals appear to regularly
visit their corner pay day loan shop as proudly as cashing a
check at the bank. Customers at the grocery store all recommend
pay day loans as the easy solution for a lack of funds.

Finance & Debt-Relief: Canadian Debt Consolidation

Life throws people a number of challenges often on a daily basis and
unfortunately, some of those are financial challenges. The loss of a
job, an illness and many other situations can make paying off loans
difficult to do. Sometimes people simply overextend themselves with
their financial commitments and find that they can’t always make
even the minimum payment on all of their loans. People from all over
the world are finding that they are running into similar financial
situations including Canada. Canadians as other nationals have the
option of trying to qualify for Canadian debt consolidation.

Finance & Debt-Relief: Bad Credit? First Time Buyer? You Can Still Get Approved For A Home Mortgage Loan

Do you have bad credit that you worry will stop you from being able to apply for a home mortgage loan? Have you given up on the dream of being a home owner? Well don’t. Take comfort in the fact that there are special home mortgage loans that you can apply for, that will make sure your dreams of becoming a home owner are fulfilled!


Home Loans Are Flexible - The first thing you need to keep-in-mind is that home loan mortgages are very flexible – they can be adjusted to meet the needs of any borrower. So, if you have a bad credit history, but circumstances have changed in your life and now you are looking to become a home owner then all you need to do is to find a lender who is willing to lend.

Finance & Debt-Relief: Alternatives to Credit Cards

Are you one of those people who only ever got a credit card for the
convenience of being able to pay without cash, or because you
weren’t aware of any other easy way to borrow money? Millions of us
are, thanks to the unavoidable advertising of the credit card
industry, and few people realise just how many alternatives to
credit cards there are. Let’s take a look at a few.

Debit Cards.

Debit cards are often used in many European countries, but are
relatively unheard of elsewhere. Basically, they’re just like credit
cards and are accepted everywhere credit cards are accepted - the
only difference is that they take any money you spend directly from
your
bank account, instead of you getting a bill at the end of the month.
You should be aware,though, that you aren’t as well-protected from
fraud with a debit card as you would be with a credit card.

Saturday, June 16, 2007

फाइनेंस & Debt-Relief: Asset and liability basics

Knowledge of accounts can make life much easy. If you are to invest
in a new business or joining your forefather’s business, planning to
take some loan, looking for job in any marketing company, desire to
be the manager of a multinational company or have the onus to manage
your own assets and liabilities, knowing some basics of accounts
becomes mandatory.

Broadly, accounting is bifurcated into two categories-

फिनाने & देब्त-Relief: Auto Loan Options for People with Bad Credit

Internet surfers with bad credit looking for an auto loan are
bombarded with advertisements most days. Many of these ads are
truthful in their bad credit auto loan options. However, there are
many things to avoid, and this article will describe some of those.

Directly financed auto loans for people with good credit are a bit
different than those with bad credit. People with bad credit are
expected to pay more of a down payment as well as a higher interest
rate on their auto loans. Many creditors won’t even extend an auto
loan to those with bad credit. Depending on how bad someone’s credit
is, auto loans can range from a 20 – 50% down payment requirement,
interest rates from 5-26%, and amortization (the length of the loan)
anywhere from 2-4 years.

Finance & Debt Relief: A Few Thoughts on Securing a Bad Credit Mortgage

Over spending, the endless nights of partying, eating out and more
or less buying everything on a whim, has most likely put a dent in
your financial situation and will affect how you live your life for
years to come. Clearly, the best option is to dampen your lavish
lifestyle sooner than later.

Alleviating yourself from huge credit card, as well as other
head-spinning debts by assessing your options now, before all those
debs start blowing up in your face is one way to right your
financial ship. One plausible option is a bad credit mortgage loan,
and it's a good first step towards a more financially disciplined
lifestyle. In other words, a financial second chance.

Finance & Debt Relief: 10 Pointers on College Loan Consolidation

Should I consolidate my college loans or not?

1. Still in school, yes! Rates are low, but they're scheduled to go up. Your college loan payments will then remain as manageable as possible when you leave school. If you have graduated, or will be graduating this May or June, yes! Graduates can lock in historical low rates, and reduce their monthly payments more than half. You can lock in a rate even while still in school, and even if you have been out of school for a couple of years can get a good deal, too.

Saturday, June 02, 2007

Finance: Credit Card Processing

Does your company need credit card processing? It does if you can
benefit from the following:

Credit Card Processing Enhances Your Professional Status. When
customers know that you accept credit payments, they often are more
likely to pay more, return often, and tell their friends if the
service is good. This is because a company that makes credit payment
options available to clients is telling the world that they care
about customers and they are professional enough to invest in
systems that will enhance the shopping experience for guests. No one
likes that disappointed feeling when, after browsing, you find
something you want to buy but then fail to find enough cash in your
wallet to purchase it.

फाइनेंस: Apply For A Credit Card Merchant Account Online

Who should ? Why, you should, of course, if you want to grow your
business and maximize sales volume! In this day and age, more and
more business functions are moving into cyberspace, which means that
business owners must be ready to travel to this relatively unknown
domain if they want to maintain strong customer ties and stay a step
or two ahead of the competition. Don’t worry if you’re not Web
savvy; most online processes that are geared to the general consumer
are not hard to perform. In fact, most are downright easy.

Finance: Apply For A Credit Card Merchant Account Online

Who should ? Why, you should, of course, if you want to grow your
business and maximize sales volume! In this day and age, more and
more business functions are moving into cyberspace, which means that
business owners must be ready to travel to this relatively unknown
domain if they want to maintain strong customer ties and stay a step
or two ahead of the competition. Don’t worry if you’re not Web
savvy; most online processes that are geared to the general consumer
are not hard to perform. In fact, most are downright easy.

Finance: Advice on Performing Online Background Checks

Several popular websites are available for background checks online.
A few of the most popular are E-Background Check, U.S. Search, Net
Detective Plus and Best People Search. These websites offer a
variety of levels of investigation, depending upon the employer’s
needs. Some of the information gathered is instant, however for more
detailed reports, employers should expect a wait from anywhere
between 1 and 7 days. Most of the major background search firms
online understand the importance of adhering to the strict laws
outlined in the Fair Credit Reporting Act.