Are Debt Collectors Harassing You? How to Make Them Stop! [debt credit loan]
If you've been a victim of job loss, medical emergency or other cause of income loss, you may be one of the millions of individuals facing a pile of debts that you cannot cover. Miss one or two payments and you can expect to get a call from a debt collector.
Calls from debt collectors trying to find you at your place of employment can be humiliating. You may already be screening your calls, your chest tightening as you realize it's them - again.
While not every debt collector is unsympathetic and berating they likely do have to steel themselves for many of the sad stories given to them as explanations for past due debts. They are also frequently rewarded for their efforts in collecting the debt with a commission based on the amount obtained. It is easy to see why it is not uncommon for individuals who are already in a desperate state to fear encounters with the more aggressive collectors who are determined to get their fees. [debt credit loan]
"What Are They Allowed to Do?"
Debt collectors are allowed to contact you by in person, by mail, by telegram, by fax and by phone; at home or at work - unless they know your employer would disapprove. They may also not contact you before 8 a.m. or after 9 p.m. unless you have agreed to the contact at that time.
They must contact your attorney unless you don't have one. They may then contact other people to find out your telephone number, work place or address, but in most cases they are not allowed to inform them that you owe money or contact them more than once.
"What If I Don't Want to be Contacted?"
Whether or not you actually owe a debt you can write a letter to the collector telling them to stop contact. They may then contact you only once to inform you that they will make no further contact or to tell you what action may be taken against you.
Stopping contact will not clear the debt. If you do not believe you owe the debt make that clear in your letter.
"What Can I Do If I Am Harassed?"
The FTC (Federal Trade Commission) has a Fair Debt Collection policy to protect consumers. Knowing your rights will put off even the most determined collector since they already know the law and are pressing you on the assumption that you don't. [debt credit loan]
Debt collectors are NOT allowed to harass, abuse or oppress you or other individuals on your behalf - that includes obscene language, threats of violence or repeated calling in an effort to annoy.
They are not allowed to misrepresent themselves as government agents, attorneys or representing a credit bureau if they are not. They cannot imply they are sending legal documents if they aren't or that you've committed a crime, if you haven't.
They cannot imply legal action, including seizing property or garnishing wages unless they are legally allowed and intend to do so.
You can find out more about your rights from the FTC. If you want to report an agent you can do so by contacting the FTC or your Attorney General. If they are breaking the law you have the right to sue.
วันพุธที่ 16 มกราคม พ.ศ. 2551
Frugal Living In A Not So Frugal World
Frugal Living In A Not So Frugal World [bad credit loan]
Many people have never had a desire or need to live frugally, however modern circumstances are forcing a lot of people to think about tightening their belts and slimming down their budgets.
With gas prices dancing around the $3.00 mark, driving expenses have doubled for many people. With the housing market gone crazy, the “affordable” fixer upper can still be $300,000 or even $500,000 in some areas.
It takes two salaries just to get by for many people. Even professional workers feel the ever-tightening budget constraints being forced upon them.
What is the answer? It is different for everyone but there are basic things you can do to make your paycheck go a little farther each week or month. [bad credit loan]
First you need to know where your money goes. Yes, you know the rent or house payment is a fixed amount. You know that you put $40 a week in the car for gas. You are aware of most of your month recurring bills, but do you ever think about all the little things you spend money on and never even give it a second thought.
It is often the small daily expenses that add up and can really surprise people. How much is that fancy morning or noon coffee you buy? $2.50 or more? Let’s say you buy one $2.50 coffee a day, that is $12.50 a week (5 days) and totals 54.13 a month (4.33 weeks per month).
Do you realize that if you saved that money each week and put it in a coffee can, at the end of one year you would have $649.50.
Did you say your latte is $3.50 a day or your Frappuccino run $4.75? Start doing the math and you can see where you can keep your current lifestyle, cut back and save quite a bit of money. Or start living frugally by giving up some luxuries.
What other “little pleasures” in your life are eating into your pocketbook? Each of us has our own expenditures that could easily be cut back on or even eliminated. We all have some areas in our budget where we can cut back. [bad credit loan]
If a daily Frappuccino represents $1235 a year (do the math), can you see where you just might be able to adjust your spending to gain an upper hand on your finances? Would an extra $1235 a year paid on a credit card or car payment help you out?
As you can see, small sacrifices can add up over the course of a year. What if you did not have the morning roll at break time? Could you cut buying lunch everyday and save even more in a year’s time?
What about some of your “must do” habits such as smoking. Cigarettes are getting more and more expensive. Could you create a campaign to cut back by 1/4 or 1/3 what you currently smoke? Although it would be good, I am not saying to quit smoking, just cut back. Cutting back 1/3 should save you over $1.00 a day. That is $365 dollars a year to add to your growing savings.
So, you too can live frugally and no one may ever know you are doing it. Small changes can create big results.
Many people have never had a desire or need to live frugally, however modern circumstances are forcing a lot of people to think about tightening their belts and slimming down their budgets.
With gas prices dancing around the $3.00 mark, driving expenses have doubled for many people. With the housing market gone crazy, the “affordable” fixer upper can still be $300,000 or even $500,000 in some areas.
It takes two salaries just to get by for many people. Even professional workers feel the ever-tightening budget constraints being forced upon them.
What is the answer? It is different for everyone but there are basic things you can do to make your paycheck go a little farther each week or month. [bad credit loan]
First you need to know where your money goes. Yes, you know the rent or house payment is a fixed amount. You know that you put $40 a week in the car for gas. You are aware of most of your month recurring bills, but do you ever think about all the little things you spend money on and never even give it a second thought.
It is often the small daily expenses that add up and can really surprise people. How much is that fancy morning or noon coffee you buy? $2.50 or more? Let’s say you buy one $2.50 coffee a day, that is $12.50 a week (5 days) and totals 54.13 a month (4.33 weeks per month).
Do you realize that if you saved that money each week and put it in a coffee can, at the end of one year you would have $649.50.
Did you say your latte is $3.50 a day or your Frappuccino run $4.75? Start doing the math and you can see where you can keep your current lifestyle, cut back and save quite a bit of money. Or start living frugally by giving up some luxuries.
What other “little pleasures” in your life are eating into your pocketbook? Each of us has our own expenditures that could easily be cut back on or even eliminated. We all have some areas in our budget where we can cut back. [bad credit loan]
If a daily Frappuccino represents $1235 a year (do the math), can you see where you just might be able to adjust your spending to gain an upper hand on your finances? Would an extra $1235 a year paid on a credit card or car payment help you out?
As you can see, small sacrifices can add up over the course of a year. What if you did not have the morning roll at break time? Could you cut buying lunch everyday and save even more in a year’s time?
What about some of your “must do” habits such as smoking. Cigarettes are getting more and more expensive. Could you create a campaign to cut back by 1/4 or 1/3 what you currently smoke? Although it would be good, I am not saying to quit smoking, just cut back. Cutting back 1/3 should save you over $1.00 a day. That is $365 dollars a year to add to your growing savings.
So, you too can live frugally and no one may ever know you are doing it. Small changes can create big results.
Automation – Helping Your Business to Run More Efficiently
Automation – Helping Your Business to Run More Efficiently [bad credit loan]
The beauty of being a business owner is that you will eventually come to the point where you can choose to have someone else do a majority of the work for you while you laze around your pool all day (or start another business). For some entrepreneurs, what makes business ownership great is the opportunity to build the business and then hand it over to someone else to manage while continuing to reap the rewards.
One of the factors that separates successful businesses from mediocre or poorly performing businesses is the automation factor. Business owners - especially online business owners - should be looking to automate their work. In fact, they should be building that goal into their business plan and infrastructure from day one!
Automation is the best "next step" between doing everything yourself and getting someone else to manage it for you. Automation is getting the project or task to complete itself, allowing you to do something else. Automation allows you to have some tasks done without your sweat and labor and frees your time to do other important work. [bad credit loan]
So, how do you automate? Here are a few ideas to help you automate your online business:
- Look at the kinds of things you do during the day and try to identify areas that you don't like to work on or areas where you are constantly doing repetitive tasks. Very often, there are already computer programs available that can help you do those tasks such as contact managers, personal information managers and autoresponders.
- Automate your schedule. Rather than rewriting your to-do's each day, use a system like Microsoft Outlook to do a lot of the scheduling work for you.
- If you sell digital products sites use resources like ClickBank and Paypal. These will allow you to sit back and relax while they do repetitive work such as taking payments and downloading products to your customers. ClickBank also has its own affiliate program built-in so others can sell your products. Merchant account sites like PayPal let you accept payment without any work on your part. Compare that to the non-automated way of phoning in every credit card number... it's a great time saver!! [bad credit loan]
- Your "shopping cart" should be automated and linked to your online inventory. When some places an order, they pay and receive the goods and all you have to do is sit back and spend the money. Does your shopping cart manage your inventory for you? If not, find one that does and use it!
Using just a couple of these simple suggestions can save a great amount of time in managing your business. And running your business efficiently means more profit for you.
The beauty of being a business owner is that you will eventually come to the point where you can choose to have someone else do a majority of the work for you while you laze around your pool all day (or start another business). For some entrepreneurs, what makes business ownership great is the opportunity to build the business and then hand it over to someone else to manage while continuing to reap the rewards.
One of the factors that separates successful businesses from mediocre or poorly performing businesses is the automation factor. Business owners - especially online business owners - should be looking to automate their work. In fact, they should be building that goal into their business plan and infrastructure from day one!
Automation is the best "next step" between doing everything yourself and getting someone else to manage it for you. Automation is getting the project or task to complete itself, allowing you to do something else. Automation allows you to have some tasks done without your sweat and labor and frees your time to do other important work. [bad credit loan]
So, how do you automate? Here are a few ideas to help you automate your online business:
- Look at the kinds of things you do during the day and try to identify areas that you don't like to work on or areas where you are constantly doing repetitive tasks. Very often, there are already computer programs available that can help you do those tasks such as contact managers, personal information managers and autoresponders.
- Automate your schedule. Rather than rewriting your to-do's each day, use a system like Microsoft Outlook to do a lot of the scheduling work for you.
- If you sell digital products sites use resources like ClickBank and Paypal. These will allow you to sit back and relax while they do repetitive work such as taking payments and downloading products to your customers. ClickBank also has its own affiliate program built-in so others can sell your products. Merchant account sites like PayPal let you accept payment without any work on your part. Compare that to the non-automated way of phoning in every credit card number... it's a great time saver!! [bad credit loan]
- Your "shopping cart" should be automated and linked to your online inventory. When some places an order, they pay and receive the goods and all you have to do is sit back and spend the money. Does your shopping cart manage your inventory for you? If not, find one that does and use it!
Using just a couple of these simple suggestions can save a great amount of time in managing your business. And running your business efficiently means more profit for you.
Take Advantage of all the Opportunities Offered by PLR Products
Take Advantage of all the Opportunities Offered by PLR Products [PLR credit load]
Do you know that some people purchase PLR (Private Label Rights) products and don't take advantage of all of the income opportunities that may be lurking inside those products? It's true. Some PLR products have income opportunities hidden inside their pages and many people fail to realize it.
Don't waste a golden opportunity you may have by not taking full advantage of the PLR products that may be collecting digital dust on your hard drive. If you have obtained PLR rights to an ebook filled with affiliate links, and have not changed the links to reflect your affiliate information, then you are giving away a potential steady stream of additional income.
Many people are aware that it is permissible to use their own name as the author of works derived from PLR products, so they go ahead and list their name as the author of the work. Unfortunately for them, that's all they do. Some people even know that it is best to change the product in some way to make it unique. That's an important part of marketing with PLR products, but it's not enough. If you have private label rights, you may change anything inside that product including affiliate links to other products and services. If your PLR license has limitations on what you may change, then it is not really a PLR license and you should avoid that product. [PLR credit load]
Inside of many PLR products are pages of content containing links to affiliate programs of all kinds. If these links are not changed to reflect your own affiliate information, you will not be able to collect any commission due if the link is clicked and a sale is made. Can you guess who will collect the commission on the sale of any products or services referred? You guessed it! The commission will go to the original creator of the PLR product. This is not to imply that there is something unethical going on here. On the contrary, the creator of the original PLR product was writing about a particular product or service. To include a link to that product or service is an act providing convenience for the reader. Someone will get credit if that link is clicked. It might as well be you, so make sure that if there are affiliate links in the PLR product that you are modifying, you remember to change those links. [PLR credit load]
You simply need to be aware that it is not enough to just slap your name on a PLR product without changing anything else. If you modify the content to make it unique and change the affiliate links to reflect your affiliate information you will get the full value potential of your PLR products.
Do you know that some people purchase PLR (Private Label Rights) products and don't take advantage of all of the income opportunities that may be lurking inside those products? It's true. Some PLR products have income opportunities hidden inside their pages and many people fail to realize it.
Don't waste a golden opportunity you may have by not taking full advantage of the PLR products that may be collecting digital dust on your hard drive. If you have obtained PLR rights to an ebook filled with affiliate links, and have not changed the links to reflect your affiliate information, then you are giving away a potential steady stream of additional income.
Many people are aware that it is permissible to use their own name as the author of works derived from PLR products, so they go ahead and list their name as the author of the work. Unfortunately for them, that's all they do. Some people even know that it is best to change the product in some way to make it unique. That's an important part of marketing with PLR products, but it's not enough. If you have private label rights, you may change anything inside that product including affiliate links to other products and services. If your PLR license has limitations on what you may change, then it is not really a PLR license and you should avoid that product. [PLR credit load]
Inside of many PLR products are pages of content containing links to affiliate programs of all kinds. If these links are not changed to reflect your own affiliate information, you will not be able to collect any commission due if the link is clicked and a sale is made. Can you guess who will collect the commission on the sale of any products or services referred? You guessed it! The commission will go to the original creator of the PLR product. This is not to imply that there is something unethical going on here. On the contrary, the creator of the original PLR product was writing about a particular product or service. To include a link to that product or service is an act providing convenience for the reader. Someone will get credit if that link is clicked. It might as well be you, so make sure that if there are affiliate links in the PLR product that you are modifying, you remember to change those links. [PLR credit load]
You simply need to be aware that it is not enough to just slap your name on a PLR product without changing anything else. If you modify the content to make it unique and change the affiliate links to reflect your affiliate information you will get the full value potential of your PLR products.
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