Payday loans, also known as cash advance, are a useful tool after bankruptcy. By keeping current on your bills through a payday loan, you can rebuild your credit history. The key is to only use these cash advances for emergencies.
Using Payday Loans
Faced with a financial emergency, it is better to apply for a cash advance than skip a bill payment for two reasons. First, after bankruptcy the best thing you can do to rebuild credit is to pay your bills on time. If you are 30 days past due or longer, it will take three years for it to be removed from your credit history.
The second reason to use cash advances is to save money on late fees. Often a $30 late fee on an account will be more expensive than the financing fee of a payday loan. The same is often true with loan payments and bank charges.
Find The Right Payday Lender
Shop payday lenders just like you would shop for any type of service. Compare fees and interest rates, as well as, repayment options and customer service.
Consider looking online for a payday lender. Many of these online lenders offer instant approval with no faxing of paperwork required. It is also much faster to compare rates and fees of online.
Avoid High Costs
Cash advances are meant to be a short loan until payday. The high costs of payday loans come when people put off repaying these loans and the interest fees add up. Plan to pay back your cash advance on your next payday.
But if you can’t pay your loan back, talk with your payday lender. You can pay just the interest charge for that period or make only a partial principal payment. Above all, you don’t want to skip a payment, which will add up fees quickly.
Plan For Future Emergencies
Once you have gotten through your current financial emergency with a payday loan, start an emergency savings fund. By saving as little as $10 a week, you can have $520 in an account after a year’s time.
Also consider applying for a credit card for emergencies after establishing six months of good credit history.
About the Author
Carrie Reeder is the owner http://www.abcloanguide.com,an informational website about various types of loans. To view our recommended sources for payday or cash advance lenders online, visit this page: http://www.abcloanguide.com/paydayloans.shtml
Saturday, April 28, 2007
Options For Getting Out of Debt
Being burdened with a lot of debts simultaneously maturing can be a harrowing experience. Just thinking about the many sleepless nights spent in absolute anxiety is enough to cast fear upon anyone’s soul. Juggling our finances is hard enough as it is. To do so with the specter of gloom brought about by due and demandable debts could really, and literally, drive us crazy.
There are many factors that would contribute to such a terrifying state. Financial management, without a doubt, is one of them. Financial management does not only entail a wanton neglect of a budget plan and an uncontrollably vicious spending streak. Often, it is caused by lack of proper education in the in sound financial planning.
When we find ourselves in such a financial rut, we try to look for available options that would help us get out of the hole we have dug for ourselves. However, options drastically reduce in number the deeper we get buried in debts.
But this shouldn’t be taken to mean that we don’t have any options to resort to. There are some of them that are still available, and they deserve a closer look if we want to get out of our financial troubles.
There are still a number of options available for you. Let’s take a look at them.
Debt Consolidation
You could decide to merge your existing loans into one debt, though not directly. Through debt consolidation loans, the creditor would pay off your subsisting debt. You will then have just one debt to pay, that of your new creditor.
Debt consolidation is often resorted to for the following reasons:
It would extend the maturity date of your loans under the new consolidated loan.
You would pay a lower interest rate under one loan.
It would be easier to manage a single loan than having to pay off multiple ones every month.
Debt consolidation would not necessarily solve your debts per se, but at least, it would buy you the time that you would need to muster enough resources to settle your obligations. It is still a good option, especially when several debts become due and demandable within the same period.
Securing A Second Loan
Not as direct an option as debt consolidation, you could always apply for a new loan to pay off an existing one. This would be a great approach, not only in prolonging the maturity date of your obligation, but also in paying a lower interest in the event that the new loan has a lower rate than the previous one.
Second loans have always saved a lot of debtors from almost certain disaster. Most loans do not ask for the purpose of your desired borrowings anyway. By applying for a new loan, you’d be able to delay eventual payment, and you’d be able to answer the more pressing needs of your life.
Filing For Bankruptcy
Considered as the court of last resort, you could always file for bankruptcy. You would need to have exhausted all available remedies though, and you must prove to the court that your application is done in good will, meaning you have no intention whatsoever to defraud your creditors. You would also have to establish through preponderance of evidence that you cannot fulfill all your obligations once they have become due and demandable.
Your assets would thereafter be placed under the case of a court-appointed trustee. The said trustee would call all your creditors to an assembly, called a 341 meeting, where your assets would be liquidated and distributed among them, in proportion to their respective claims. The portions of the debts that cannot be fulfilled by your assets would be written as losses for your creditors. After this, your debts would be considered dissolved.
Though declaring bankruptcy has its benefits, it also has its share of disadvantages. Among them is the negative mark it would leave on your credit record, which would adversely affect future loan applications as well as when you’re applying for a job.
Also, you must be reminded that your line of credit may be suspended for at least 2 years. It would take quite some time before you could recover from a state of bankruptcy.
UPDATE: Congress has passed a new Bankruptcy Protection Law that now makes it tougher to file and declare bankruptcy. Make sure you understand how it will affect YOU.
Go to www.1debtfreedom.com for your free no-obligation quote.
About the Author
Talbert Williams offers debt consolidation, debt reduction, credit card debt referrals and advice. For more information, articles, news, tools and valuable resources on debt solutions, visit this site: http://www.1debtfreedom.com
There are many factors that would contribute to such a terrifying state. Financial management, without a doubt, is one of them. Financial management does not only entail a wanton neglect of a budget plan and an uncontrollably vicious spending streak. Often, it is caused by lack of proper education in the in sound financial planning.
When we find ourselves in such a financial rut, we try to look for available options that would help us get out of the hole we have dug for ourselves. However, options drastically reduce in number the deeper we get buried in debts.
But this shouldn’t be taken to mean that we don’t have any options to resort to. There are some of them that are still available, and they deserve a closer look if we want to get out of our financial troubles.
There are still a number of options available for you. Let’s take a look at them.
Debt Consolidation
You could decide to merge your existing loans into one debt, though not directly. Through debt consolidation loans, the creditor would pay off your subsisting debt. You will then have just one debt to pay, that of your new creditor.
Debt consolidation is often resorted to for the following reasons:
It would extend the maturity date of your loans under the new consolidated loan.
You would pay a lower interest rate under one loan.
It would be easier to manage a single loan than having to pay off multiple ones every month.
Debt consolidation would not necessarily solve your debts per se, but at least, it would buy you the time that you would need to muster enough resources to settle your obligations. It is still a good option, especially when several debts become due and demandable within the same period.
Securing A Second Loan
Not as direct an option as debt consolidation, you could always apply for a new loan to pay off an existing one. This would be a great approach, not only in prolonging the maturity date of your obligation, but also in paying a lower interest in the event that the new loan has a lower rate than the previous one.
Second loans have always saved a lot of debtors from almost certain disaster. Most loans do not ask for the purpose of your desired borrowings anyway. By applying for a new loan, you’d be able to delay eventual payment, and you’d be able to answer the more pressing needs of your life.
Filing For Bankruptcy
Considered as the court of last resort, you could always file for bankruptcy. You would need to have exhausted all available remedies though, and you must prove to the court that your application is done in good will, meaning you have no intention whatsoever to defraud your creditors. You would also have to establish through preponderance of evidence that you cannot fulfill all your obligations once they have become due and demandable.
Your assets would thereafter be placed under the case of a court-appointed trustee. The said trustee would call all your creditors to an assembly, called a 341 meeting, where your assets would be liquidated and distributed among them, in proportion to their respective claims. The portions of the debts that cannot be fulfilled by your assets would be written as losses for your creditors. After this, your debts would be considered dissolved.
Though declaring bankruptcy has its benefits, it also has its share of disadvantages. Among them is the negative mark it would leave on your credit record, which would adversely affect future loan applications as well as when you’re applying for a job.
Also, you must be reminded that your line of credit may be suspended for at least 2 years. It would take quite some time before you could recover from a state of bankruptcy.
UPDATE: Congress has passed a new Bankruptcy Protection Law that now makes it tougher to file and declare bankruptcy. Make sure you understand how it will affect YOU.
Go to www.1debtfreedom.com for your free no-obligation quote.
About the Author
Talbert Williams offers debt consolidation, debt reduction, credit card debt referrals and advice. For more information, articles, news, tools and valuable resources on debt solutions, visit this site: http://www.1debtfreedom.com
Tax Cuts-What Tax Cuts?
Many of the jobs in President Bush's "recovery" are low-wage, low-benefit service and retail jobs. The overall growth in jobs masks a harsher reality for families trying to maintain or build a middle class standard of living.
Key among them: debt coupled with paycheck paralysis.
Most people coming out of college with or without a degree are starting life off with about $20,000 in debt trying to get a degree.
Then they try to support themselves on low wages after getting out of school.
A generation ago finishing high school was what was needed to get a job and to have a reasonable amount of security.
Now what is needed is a university degree and not just any degree, look at all people working in low class jobs with an arts degree.
In the last 30 years compensation for somebody with a university degree has actually decreased when adjusted for inflation.
Personal bankruptcy filings nationwide last year exceeded 2 million, the highest annual level on record.
There were significant increases in consumer bankruptcy filings in every region. The total of 2,043,535 was up 32 percent over the 1,552,967 filed in 2004. That translates to one in every 53 households filing bankruptcy petitions.
So are these 2 million people Scofflaws?
Credit counselors say the debtors coming to their offices can’t afford to pay basic living expenses or make even minimal payments toward their debts.
Corporate profits have reached record highs.
People are working longer for the same or a lesser amount of money.
During the period from November 2003 to March 2004 - when job growth was increasing - average hourly real wages actually fell by 1 percent.
Companies are reducing health care benefits and are declaring bankruptcy to get rid of pension liabilities to their employees.
Yes, but there are Tax Cuts.
Tax Cuts have to be paid for by somebody at some point in time.
If the tax cuts were financed largely or entirely through spending cuts or: if the tax cuts were financed through a combination of spending cuts and progressive tax increases this is what is projected by experts:
The net result seems to be net tax cuts for about 20-25 percent of households, financed by net tax increases or benefit reductions for the remaining 75-80 percent of the population.
So 75% to 80 % of Taxpayers are going to be worse off with tax cuts.
The "losers" are going to be low- and middle-income wage earners.
The trade deficit for last year is estimated to have swollen to another record high, above $700 billion, increasing America's indebtedness to foreigners.
At some point in time these foreigners are going to want their money back.
Then what?
About the Author
J Carter is worried about the economy.
http://www.tax-attorney.biz
http://www.credit-score-now.info
http://www.bankruptcy-credit-cards-debthelpnet.info
Key among them: debt coupled with paycheck paralysis.
Most people coming out of college with or without a degree are starting life off with about $20,000 in debt trying to get a degree.
Then they try to support themselves on low wages after getting out of school.
A generation ago finishing high school was what was needed to get a job and to have a reasonable amount of security.
Now what is needed is a university degree and not just any degree, look at all people working in low class jobs with an arts degree.
In the last 30 years compensation for somebody with a university degree has actually decreased when adjusted for inflation.
Personal bankruptcy filings nationwide last year exceeded 2 million, the highest annual level on record.
There were significant increases in consumer bankruptcy filings in every region. The total of 2,043,535 was up 32 percent over the 1,552,967 filed in 2004. That translates to one in every 53 households filing bankruptcy petitions.
So are these 2 million people Scofflaws?
Credit counselors say the debtors coming to their offices can’t afford to pay basic living expenses or make even minimal payments toward their debts.
Corporate profits have reached record highs.
People are working longer for the same or a lesser amount of money.
During the period from November 2003 to March 2004 - when job growth was increasing - average hourly real wages actually fell by 1 percent.
Companies are reducing health care benefits and are declaring bankruptcy to get rid of pension liabilities to their employees.
Yes, but there are Tax Cuts.
Tax Cuts have to be paid for by somebody at some point in time.
If the tax cuts were financed largely or entirely through spending cuts or: if the tax cuts were financed through a combination of spending cuts and progressive tax increases this is what is projected by experts:
The net result seems to be net tax cuts for about 20-25 percent of households, financed by net tax increases or benefit reductions for the remaining 75-80 percent of the population.
So 75% to 80 % of Taxpayers are going to be worse off with tax cuts.
The "losers" are going to be low- and middle-income wage earners.
The trade deficit for last year is estimated to have swollen to another record high, above $700 billion, increasing America's indebtedness to foreigners.
At some point in time these foreigners are going to want their money back.
Then what?
About the Author
J Carter is worried about the economy.
http://www.tax-attorney.biz
http://www.credit-score-now.info
http://www.bankruptcy-credit-cards-debthelpnet.info
Friday, April 27, 2007
Taxes and Bankruptcy: The Nuts and Bolts
The filing and subsequent discharge of either a Chapter 7 or a Chapter 13 bankruptcy may eliminate some types of personal income tax liability. There are, however, certain rigid restrictions which must be met in order to completely eliminate personal income tax liability through bankruptcy.
Some personal income taxes may be eliminated through the filing and subsequent discharge of a Chapter 7 bankruptcy. The following requirements must be met for the personal income tax liability to be eliminated in a Chapter 7:
* The tax return must have been filed on time
* The filing should not be fraudulent
* The tax return must have been filed over three years ago as of the bankruptcy filing date (e.g. IRS debts for the last three years generally, would not be dischargeable)
* Alternatively, in some cases, if the tax return was filed late, was not fraudulent and was filed over two years ago as of the date of the bankruptcy filing, the tax debt may be deemed dischargeable. For example, if you filed your 1986 tax returns in 1990, and in 1994 filed a Chapter 7 Bankruptcy, this tax debt would be dischargeable as long as it was not related to a fraudulent filing and the tax debt was assessed by the IRS over 240 days before the bankruptcy filing.
Even if all of the above requirements are met, personal income taxes can still sometimes be non-dischargeable in a Chapter 7 bankruptcy. This occurs when the IRS has placed a tax lien on the debtor's property. In this case, the tax liability must be paid in full, but the IRS may be forced to accept a payment plan or substantially eliminate penalties through the filing of a Chapter 13 bankruptcy.
In a Chapter 13 bankruptcy, the debtor makes payments to a bankruptcy trustee and the bankruptcy trustee in turn distributes a percentage of the payment to the creditors. A Chapter 13 plan is filed with the court which determines the amount distributed to each creditor by the trustee. A bankruptcy judge can force the IRS to accept extended payments on personal income tax liability through a Chapter 13 plan. This type of bankruptcy works well when the IRS has a tax lien on personal property and the debtor has enough income to pay back the IRS over a three to five year period. Tax penalties may be discharged in a Chapter 13 bankruptcy because they are lumped in with all the other unsecured creditors of the debtor, such as credit cards. These are generally only paid back through the bankruptcy at 10% or ten cents on the dollar.
Filing either a Chapter 7 or a Chapter 13 bankruptcy may be a useful tool for debtors to eliminate tax liability.
http://www.legalhelpers.com/legal_helpers/brc_articles_taxes_bankruptcy.html
Some personal income taxes may be eliminated through the filing and subsequent discharge of a Chapter 7 bankruptcy. The following requirements must be met for the personal income tax liability to be eliminated in a Chapter 7:
* The tax return must have been filed on time
* The filing should not be fraudulent
* The tax return must have been filed over three years ago as of the bankruptcy filing date (e.g. IRS debts for the last three years generally, would not be dischargeable)
* Alternatively, in some cases, if the tax return was filed late, was not fraudulent and was filed over two years ago as of the date of the bankruptcy filing, the tax debt may be deemed dischargeable. For example, if you filed your 1986 tax returns in 1990, and in 1994 filed a Chapter 7 Bankruptcy, this tax debt would be dischargeable as long as it was not related to a fraudulent filing and the tax debt was assessed by the IRS over 240 days before the bankruptcy filing.
Even if all of the above requirements are met, personal income taxes can still sometimes be non-dischargeable in a Chapter 7 bankruptcy. This occurs when the IRS has placed a tax lien on the debtor's property. In this case, the tax liability must be paid in full, but the IRS may be forced to accept a payment plan or substantially eliminate penalties through the filing of a Chapter 13 bankruptcy.
In a Chapter 13 bankruptcy, the debtor makes payments to a bankruptcy trustee and the bankruptcy trustee in turn distributes a percentage of the payment to the creditors. A Chapter 13 plan is filed with the court which determines the amount distributed to each creditor by the trustee. A bankruptcy judge can force the IRS to accept extended payments on personal income tax liability through a Chapter 13 plan. This type of bankruptcy works well when the IRS has a tax lien on personal property and the debtor has enough income to pay back the IRS over a three to five year period. Tax penalties may be discharged in a Chapter 13 bankruptcy because they are lumped in with all the other unsecured creditors of the debtor, such as credit cards. These are generally only paid back through the bankruptcy at 10% or ten cents on the dollar.
Filing either a Chapter 7 or a Chapter 13 bankruptcy may be a useful tool for debtors to eliminate tax liability.
http://www.legalhelpers.com/legal_helpers/brc_articles_taxes_bankruptcy.html
The Fair Debt Collections Practices Act
If you currently owe money to a creditor, you may be getting calls from third-party debt collection agencies. However, you may be unaware that there is a law that regulates how these collection agencies may operate. The Fair Debt Collections Practices Act, or FDCPA, sets up rules for everything from how often a collection agency may contact you to what the collection agency representative may say to you. If a collection agency violates these rules, you could sue them for these violations and be rewarded a cash settlement. Here is a brief list of FDCPA rules.
I. What is the Fair Debt Collections Practices Act (FDCPA)?
a. The FDCPA is the federal law that governs the way third party debt collectors operate.
b. The FDCPA only governs third party debt collectors. This means that only collection agencies and law firms that collect debt are governed by this law and NOT the original creditor such as Chase, MBNA, and Discover etc.
c. Many states have their own laws that are similar to the FDCPA.
II. What is considered a violation? (This is just a short list of the major violations and is not intended to be exhaustive)
a. Threat of a lawsuit when there is no actual intent to sue at the time the threat is made.
i. There is case law that states that if the balance is so low and a lawsuit is not feasible then you can assume there is no intent to sue. Generally, this occurs when the debt is less than $250.
ii. Also, if you are dealing with an out of state collection agency, generally you can assume that they do not have anyone licensed to practice law in your state. Therefore they can not legally file suit at the time the threat is made.
b. Threats to take an action that cannot legally be taken.
i. Example: Threats to garnish a debtor's wages when the debtor lives in a state that does not allow wage garnishment.
ii. Example: Threats to seize a house or car when the debtor lives in a homestead state.
iii. Example: Threats to have debtor arrested for the debt.
c. Third party disclosure.
i. The only people to whom a debt collector can disclose the fact that the debtor owes money is the debtor, their spouse or their attorney.
ii. It is also a violation to leave a message on a voicemail or answering machine disclosing the fact that a debt is owed.
d. False representation or implication of attorney involvement.
e. Communication with a debtor after the collection agency has reason to believe that the debtor is represented by an attorney.
f. Communication with a debtor at their place of employment after the collection agency has reason to believe that such calls are not permitted.
g. Communication with a debtor before 8am and/or after 9pm.
h. Abuse on the phone, calling the debtor names, calling the debtor a liar, calling multiple times in a day (5 or more without the debtors consent) or just being generally harassing.
III. What type of recovery can you expect?
a. A typical settlement is between $1000 and $5000 depending on the violation.
b. If the debtor has any actual damages then this will increase the settlement.
c. There is a 1 year statute of limitations on these types of cases. This means that if you have a claim against a collection agency, you must file your lawsuit within one year from the date the violation occurred.
more on Fair Debt Collection Practices Act...
Federal Trade Commission
Give us a call at 888.743.5787 or fill out our free legal evaluation form.
http://www.legalhelpers.com/legal_helpers/brc_articles_fair_debt_collection.html
I. What is the Fair Debt Collections Practices Act (FDCPA)?
a. The FDCPA is the federal law that governs the way third party debt collectors operate.
b. The FDCPA only governs third party debt collectors. This means that only collection agencies and law firms that collect debt are governed by this law and NOT the original creditor such as Chase, MBNA, and Discover etc.
c. Many states have their own laws that are similar to the FDCPA.
II. What is considered a violation? (This is just a short list of the major violations and is not intended to be exhaustive)
a. Threat of a lawsuit when there is no actual intent to sue at the time the threat is made.
i. There is case law that states that if the balance is so low and a lawsuit is not feasible then you can assume there is no intent to sue. Generally, this occurs when the debt is less than $250.
ii. Also, if you are dealing with an out of state collection agency, generally you can assume that they do not have anyone licensed to practice law in your state. Therefore they can not legally file suit at the time the threat is made.
b. Threats to take an action that cannot legally be taken.
i. Example: Threats to garnish a debtor's wages when the debtor lives in a state that does not allow wage garnishment.
ii. Example: Threats to seize a house or car when the debtor lives in a homestead state.
iii. Example: Threats to have debtor arrested for the debt.
c. Third party disclosure.
i. The only people to whom a debt collector can disclose the fact that the debtor owes money is the debtor, their spouse or their attorney.
ii. It is also a violation to leave a message on a voicemail or answering machine disclosing the fact that a debt is owed.
d. False representation or implication of attorney involvement.
e. Communication with a debtor after the collection agency has reason to believe that the debtor is represented by an attorney.
f. Communication with a debtor at their place of employment after the collection agency has reason to believe that such calls are not permitted.
g. Communication with a debtor before 8am and/or after 9pm.
h. Abuse on the phone, calling the debtor names, calling the debtor a liar, calling multiple times in a day (5 or more without the debtors consent) or just being generally harassing.
III. What type of recovery can you expect?
a. A typical settlement is between $1000 and $5000 depending on the violation.
b. If the debtor has any actual damages then this will increase the settlement.
c. There is a 1 year statute of limitations on these types of cases. This means that if you have a claim against a collection agency, you must file your lawsuit within one year from the date the violation occurred.
more on Fair Debt Collection Practices Act...
Federal Trade Commission
Give us a call at 888.743.5787 or fill out our free legal evaluation form.
http://www.legalhelpers.com/legal_helpers/brc_articles_fair_debt_collection.html
Thursday, April 26, 2007
Obsession Of Islam vs Belief In Jesus
Comparative Religion is taught in many colleges and universities, often looking at 3 major religions (Judaism, Christianity and Islam) in a supposed clinical, objective way. There is evidence that our multi-cultural philosophy has resulted in many thinking these beliefs are equal, peaceful and compatible. The popular thought even goes so far as to describe them as worshiping the same God. While these assumptions are mostly true of Judaism and Christianity, Islam is an opposing belief in every respect. The Catholic Pope has recently been criticized for regarding Islam as a religion of violence and, as recent behavior suggests, the Pope is right. With so many regarding the religion of Islam as above criticism, it's important to get some facts out so Christians won't be fooled. While, as Christians, we are to love the Muslim people, their religion is one of violence, with a goal to kill all Christians and Jews who don't deny their God and convert to Islam.
Religion Of Peace: After the Pope spoke, as if to prove him right, violence and death threats erupted all over the Islamic world. So far, 2 murders have been attributed to the Muslim furor over his speech. This violent behavior confirms the truth of the Pope's words and, more importantly, the bankruptcy of Islam as a faith of peace. Given how little objection "moderate" Muslims have made in the last 10 years to all the bombings, hijackings, kidnappings and missile attacks murdering tens of thousands of innocents, it seems rather silly that anyone would claim Islam to be a peaceful religion. Christianity, on the other hand, is unquestionably a faith of peace, from the teachings of Jesus to love our enemies to His example on the cross, praying for His own murderers. I suppose this is a good time to give you the obligatory, "I'm not attacking Islam," statement. But, I'm getting very tired of Muslims attacking us, with the conspicuous silence of "moderate" Islamic leaders. We pray that all Muslims find the Truth of God and the Way of peace.
Making Disciples: According to the Bible, Jesus taught us to make disciples by Christian love and good deeds and by proclaiming the good news that Jesus Christ, God With Us, will forgive our wrongs and give us life in paradise with Him, forever. We pray this forgiveness and eternal life be granted to every Muslim, everywhere...that we could become one loving family in Christ. What do you have to do to receive this eternal life? Believe in Jesus...that's it! What if you don't? We'll still love you and pray for you. It's between you and Him! How does the Koran tell Muslims to make Islamic disciples? According to the book "Islamic Invasion" by Robert Morey, the Koran says "Fight and slay the pagans (infidels) wherever ye find them, and seize them, beleaguer them, and lie in wait for them in every stratagem of war." Sura 9:5, and, "Their punishment is...execution, or crucifixion, or the cutting off of hands and feet from the opposite sides, or exile from the land." Sura 5:33. Just in case you missed it, "pagans" refers to anyone not following Islam...in other words...us. As you can tell from the headlines the last couple decades, these guys take their Koran literally. This is why many refer to Islam as a death cult, promoting violence and murder in the name of religion.
Dead Idol-vs-Living God: According to Mr. Morey, Allah is the personal name of the ancient Arabic moon-god, which is why the name needs no explanation in the Koran. This differs greatly from the false assumption of many Christians, myself included, that the name was taken from the Biblical name for God, "El." The crescent moon symbolizes the worship of the moon-god, Allah, and is the symbol for Islam. This understanding is further reinforced by the fact that all Muslims are required to pray toward the Kabah, in Mecca, the home of the moon-god idol. This isn't to minimize anyone's faith in Allah but to make it clear that the God of Christians and the one of Muslims are not the same. The claims that Jesus was a prophet of Allah are false. Jesus is God, the Son, who created us all, was born of a virgin, crucified and rose again to offer us His eternal forgiveness and love. God has chosen to express Himself as Father, Son and Holy Spirit. Anyone claiming the deity of someone or something other than this God is working against his own Creator and risking an eternity without God.
Whether or not you follow Jesus, we Christians and our God still love you. Even while the followers of Islam are murdering us all over the world, we're praying for them, for Jesus to forgive them and bring them into true faith in the one true God. The Muslims regard our Christian love and forgiveness as weakness but it is the sign of true strength from the one God. Love, more than anything else, highlights the vast difference between the obsession of Islam and the faith in Jesus Christ. How do you feel Christians should respond to Islamic violence?
About the Author
Glen Williams is Webmaster at http://www.web-church.com and CEO of E-Home Fellowship (EHF), Inc. He is an ordained minister who has been active in Christian ministry since 1989, counseling and helping people live in Christ.
Religion Of Peace: After the Pope spoke, as if to prove him right, violence and death threats erupted all over the Islamic world. So far, 2 murders have been attributed to the Muslim furor over his speech. This violent behavior confirms the truth of the Pope's words and, more importantly, the bankruptcy of Islam as a faith of peace. Given how little objection "moderate" Muslims have made in the last 10 years to all the bombings, hijackings, kidnappings and missile attacks murdering tens of thousands of innocents, it seems rather silly that anyone would claim Islam to be a peaceful religion. Christianity, on the other hand, is unquestionably a faith of peace, from the teachings of Jesus to love our enemies to His example on the cross, praying for His own murderers. I suppose this is a good time to give you the obligatory, "I'm not attacking Islam," statement. But, I'm getting very tired of Muslims attacking us, with the conspicuous silence of "moderate" Islamic leaders. We pray that all Muslims find the Truth of God and the Way of peace.
Making Disciples: According to the Bible, Jesus taught us to make disciples by Christian love and good deeds and by proclaiming the good news that Jesus Christ, God With Us, will forgive our wrongs and give us life in paradise with Him, forever. We pray this forgiveness and eternal life be granted to every Muslim, everywhere...that we could become one loving family in Christ. What do you have to do to receive this eternal life? Believe in Jesus...that's it! What if you don't? We'll still love you and pray for you. It's between you and Him! How does the Koran tell Muslims to make Islamic disciples? According to the book "Islamic Invasion" by Robert Morey, the Koran says "Fight and slay the pagans (infidels) wherever ye find them, and seize them, beleaguer them, and lie in wait for them in every stratagem of war." Sura 9:5, and, "Their punishment is...execution, or crucifixion, or the cutting off of hands and feet from the opposite sides, or exile from the land." Sura 5:33. Just in case you missed it, "pagans" refers to anyone not following Islam...in other words...us. As you can tell from the headlines the last couple decades, these guys take their Koran literally. This is why many refer to Islam as a death cult, promoting violence and murder in the name of religion.
Dead Idol-vs-Living God: According to Mr. Morey, Allah is the personal name of the ancient Arabic moon-god, which is why the name needs no explanation in the Koran. This differs greatly from the false assumption of many Christians, myself included, that the name was taken from the Biblical name for God, "El." The crescent moon symbolizes the worship of the moon-god, Allah, and is the symbol for Islam. This understanding is further reinforced by the fact that all Muslims are required to pray toward the Kabah, in Mecca, the home of the moon-god idol. This isn't to minimize anyone's faith in Allah but to make it clear that the God of Christians and the one of Muslims are not the same. The claims that Jesus was a prophet of Allah are false. Jesus is God, the Son, who created us all, was born of a virgin, crucified and rose again to offer us His eternal forgiveness and love. God has chosen to express Himself as Father, Son and Holy Spirit. Anyone claiming the deity of someone or something other than this God is working against his own Creator and risking an eternity without God.
Whether or not you follow Jesus, we Christians and our God still love you. Even while the followers of Islam are murdering us all over the world, we're praying for them, for Jesus to forgive them and bring them into true faith in the one true God. The Muslims regard our Christian love and forgiveness as weakness but it is the sign of true strength from the one God. Love, more than anything else, highlights the vast difference between the obsession of Islam and the faith in Jesus Christ. How do you feel Christians should respond to Islamic violence?
About the Author
Glen Williams is Webmaster at http://www.web-church.com and CEO of E-Home Fellowship (EHF), Inc. He is an ordained minister who has been active in Christian ministry since 1989, counseling and helping people live in Christ.
Keeping a Steady Flow of Massage Appointments
For more articles like this one visit Massage Therapy Articles on Specific Conditions One of the biggest problems a massage therapist faces is staying busy. You work hard to get through school and training then pass your license and certification exams. Then what do you do? Many new therapists think that they will simply find a place to start massaging and magically have all kinds of friends and family come for massages. I'm sorry but in most cases this never happens. The truth is that most people prefer to find someone they are not directly related to or deal with on a regular social basis to be their therapist. You will find that total strangers are your best source of new clients. Some friends and family can be helpful when recommending your services, but don't count on them being your main source of income. So how do you stay busy? There are many different ideas about how to market your services. I have tried many of them throughout the years and finally have found what works best for me. I don't spend hundreds or thousands on radio ads, television or billboards. I have found that those can quickly run you into bankruptcy when you are earning $40.00 an hour for massage and paying hundreds for one of those types of advertisements. With almost every type of advertisement you have to reach hundreds of people to get a single response. That is why I feel they just aren't economically sound ways to advertise for new clients. Stop and figure out how many hours of massage you would have to give in order to pay for any type of advertising before investing your hard earned money into it. Many of these advertisers stop in my clinic to make me an "on the spot offer" to make me rich with a way to get a ton of new clients. If you simply ask them for a few referrals that you can call and ask how well it worked for them, you will seldom get any or more often get the excuse that they don't give out that information. It is a great idea to check with other therapists about any type of advertising before making a large investment. What I have found that works for me to keep new clients coming in is to simply talk to people everywhere you go about massage, hand out business cards everywhere you go, Talk about Your training, a recent class you took, how you helped someone relieve a specific condition, offer seminars to speak to groups about massage, join a local networking group of businessmen that share referrals with each other. I don't have a huge advertising budget and even if I did I don't think it would make very much difference. The things that I have found work the best for me is to have a good sign in front of your business. If you don't have a huge sign try a more inexpensive sign and add some balloons around it or lights to help get it some attention. Add small signs out front of your business along the road, a banner or a sandwich type sign if possible. Sometimes building up many smaller sings over time with your budget can be more effective than one huge sign. I ask my clients for email addresses and physical addresses with permission to send them newsletters and special offers. Email is a very inexpensive way to keep in contact. I used to send out newsletters by regular mail to hundreds of clients all at once. This is expensive if you have very many clients and if you work alone. You may end up getting tons of calls for appointments all at once that you can't handle. This is good but you may lose people or anger them if you can't get them in right away. I now send out about 20-30 letters per week starting with all of the clients in my A and B files then the following week jump to my C and D files and send 20-30 of those and so on. This keeps those letters going to people that have seen me within the past year and I know they are going to people who are actually interested in what I have to offer. I can also handle the responses in a timely manner by having the time open to get them in for the appointment that I was trying to get in the first place. In your newsletters ask for referrals to friends and family of theirs. Be sure to thank your clients for the business they have given you in the past. These are your bread and butter so be sure to treat them well. A good decal on the back window of your vehicle is also a very good way to advertise inexpensively. Their are some really good ones available on ebay. npsigns is a nice ebay store to get them at. I recently read an article about newspaper advertising and found that you MUST have something creative and new to offer in your specials. Either a new or different service or a new or diffirent type of special offer. When I first started in waterloo I did some research on the internet and found that offering packages of 3 massages for a discounted price would help keep people coming for repeat visits. No one in my area was offering that at all. I advertised it in my newsletters and in the newspaper and got a huge response. Now 3 years later it isn't as effective because many of the other therapists locally have started doing the same type of advertisement. Now people read the paper and just see "another on of those massage ads." It gets old when everyone is doing it. So come up with new ideas, give something away as a gift. Change it up and keep things interesting. Websites are also very effective if they are done correctly. I recently started using google adwords for advertising my website pages. You can set a budget as little as .50 cents a day and create an add that has specific keywords that have to be searched for it to appear on google. You can select how much you are willing to pay per click for the ad when someone finds and clicks on it. This really helps focus and maximize the power of your website and pages. I build websites and webmember pages for therapists and chiropractors quite often. for as little as $60.00 a year you can have a page made for your services. Then take and advertise it locally on google. Around the holidays I get many calls from people who found me on the internet that want to buy gift certificates for someone they know in Waterloo Iowa. I get them from people live in Florida or Germany that want to buy a massage for someone they know in Waterloo Iowa. I specialize in helping therapists set this type of advertising up on the internet, so please let me know if I can be of assistance to you. I hope this information has been helpful to you. It takes work to keep a steady flow of appointments coming in. Never slack off and think that people will just keep coming back on their won. You have to keep doing these things and work at it in order to stay busy. Sincerely, Dwayne Crandall, LMT
About the Author
Dwayne Crandall, LMT researched and wrote this article on the subject: Keeping a Steady Flow of Massage Appointments( http://www.massagevillage.com/ ). Please place an active link to this Massage Village website when you decide to publish this article.
About the Author
Dwayne Crandall, LMT researched and wrote this article on the subject: Keeping a Steady Flow of Massage Appointments( http://www.massagevillage.com/ ). Please place an active link to this Massage Village website when you decide to publish this article.
What is Legal Aid Service?
Legal aid service is essentially the act of providing free legal assistance and in certain cases court representation as well, to people in the low income range who are unable to pay for any legal charges and living within a specified area. As part of the government's efforts, the Legal Aid Society have been ensuring that legal aid service is being slowly incorporated in every town, city, and state.
The majority of these legal aid service providers aim to serve as many clients as possible as they are mainly from non-profit organizations and are composed of a pool of talented lawyers who are willing to offer their services readily.
There are mainly two common types of legal aid services available: Civil/Family legal aid and Criminal legal aid.
Civil/family legal aid is available for many types of private disputes that will, or might, go to court. These include the following:
1)matrimonial and relationship property problems 2)problems to do with care of children 3)care and protection orders for children and young people 4)adoption 5)paternity 6)(mental health) compulsory treatment orders 7)recovering a debt 8)breach of contract (for example, hire purchase) 9)defamation 10)bankruptcy or insolvency
However, civil legal aid does not offers help for the following :
1)divorce ("dissolution of marriage") 2)the Disputes Tribunal 3)mediation in some cases 4)for things that don't involve a problem that could go to court (for example, getting a will drawn up) 5)immigration matters (except for refugee matters) 6)companies or groups of people (except in some cases)
Criminal legal aid is available for criminal offences that will usually go to court.Anyone charged with or convicted of an offence can apply. In addition, anyone appearing before the Parole Board can also apply for this legal aid. These include the following:
1)murder or manslaughter 2)assault on others 3)possession of drugs 4)drunk-driving 5)theft 6)fraud 7)arson 8)possession of dangerous weapons 9)shoplifting 10)molesting, rape and other sexual offences
In addition, there are many places where you can find legal aid services. For instance, you can choose to search the government listings or use the yellow pages. For faster response, you can check out the services on the internet. If you have been charged with an offence and can't afford a lawyer, it is recommended that you apply for the legal aid services as soon as possible.
Check out more information on legal-aid at http://legal-aid.mygeneralknowledge.com/Articles/Legal_Aid_Service.php
About the Author
Skyjoe is a well known author, website publisher and owner of http://legal-aid.mygeneralknowledge.com/. ©Skyjoe. All rights reserved. This article may be freely distributed as long as it remains unaltered and the copyright notice is intact. No alteration is allowed without express written permission from the author.
The majority of these legal aid service providers aim to serve as many clients as possible as they are mainly from non-profit organizations and are composed of a pool of talented lawyers who are willing to offer their services readily.
There are mainly two common types of legal aid services available: Civil/Family legal aid and Criminal legal aid.
Civil/family legal aid is available for many types of private disputes that will, or might, go to court. These include the following:
1)matrimonial and relationship property problems 2)problems to do with care of children 3)care and protection orders for children and young people 4)adoption 5)paternity 6)(mental health) compulsory treatment orders 7)recovering a debt 8)breach of contract (for example, hire purchase) 9)defamation 10)bankruptcy or insolvency
However, civil legal aid does not offers help for the following :
1)divorce ("dissolution of marriage") 2)the Disputes Tribunal 3)mediation in some cases 4)for things that don't involve a problem that could go to court (for example, getting a will drawn up) 5)immigration matters (except for refugee matters) 6)companies or groups of people (except in some cases)
Criminal legal aid is available for criminal offences that will usually go to court.Anyone charged with or convicted of an offence can apply. In addition, anyone appearing before the Parole Board can also apply for this legal aid. These include the following:
1)murder or manslaughter 2)assault on others 3)possession of drugs 4)drunk-driving 5)theft 6)fraud 7)arson 8)possession of dangerous weapons 9)shoplifting 10)molesting, rape and other sexual offences
In addition, there are many places where you can find legal aid services. For instance, you can choose to search the government listings or use the yellow pages. For faster response, you can check out the services on the internet. If you have been charged with an offence and can't afford a lawyer, it is recommended that you apply for the legal aid services as soon as possible.
Check out more information on legal-aid at http://legal-aid.mygeneralknowledge.com/Articles/Legal_Aid_Service.php
About the Author
Skyjoe is a well known author, website publisher and owner of http://legal-aid.mygeneralknowledge.com/. ©Skyjoe. All rights reserved. This article may be freely distributed as long as it remains unaltered and the copyright notice is intact. No alteration is allowed without express written permission from the author.
10 Essential Tips For Online Networking Success
If you are involved in business, then you know that networking is essential for your success. With websites like My Space, Ryze, Friendser and Direct Matches, it is easier than ever to network online. Unfortunately, most people don't network correctly. Here are some quick and easy tips to ensure successful networking online.
1) Your number one goal is to get your prospect to look at your profile. Make it clean and easy to understand. Avoid flashy graphics. Your prospect will only look at your profile a few seconds to decide if they want to initiate contact with you. 2) Use advanced search features like company search. Many sites such as Ryze allow a company search. If you are in network marketing, use this feature to find people whose network marketing company is under investigation or in bankruptcy. They may be ready for a new opportunity. 3) Put your website URL inside your profile name. Your name should be "John Doe www.mywebsite.com" (Alexa) When you do this, then every time you post on a message board or a guestbook, people will see your URL and will possibly visit your website. 4) Start a group and become the expert. People will see you as a leader if you start a group. It also gives you an easy reason to contact others. Simply say, "Hello, I just started the XYZ Group. Would you like to visit it?" It is an easy conversation starter. 5) Don't use the spam bots. There are lots of tools for adding people quickly on My Space. They get the word out quickly, but people know it is from a machine and will delete it as spam. Who wants to be friends with a spammer? 6) Don't send friend requests too quickly. People don't like pushy aggressive people. Exchange a few messages first before you add them. 7) Look at their profile and ask something that shows you read it. People know when you are being honest and sincere and not sending out form letters. 8) Network in groups. Find your favorites and be active in there. Give more than you take. But, don't spam the group. If people want to find you, they know how to look you up. 9) Don't spam out your opportunity to your friends. When you add someone as a friend, don't turn around and give them a sales pitch. Instead say, "Wow, thanks for adding me. Let me know if I can help you out with your business." 10) Use the bulletin feature in My Space, but use it wisely. My Space has an excellent feature where you can blast out messages to your friends. Instead of a sales pitch, send out helpful tips and articles you found.
In conclusion, networking online is a great way to grow your business, but you must do it wisely.
About the Author
Carlos Scarpero is a blogger who writes about internet marketing and MLM. Visit his blog at http://www.itsaboutresults.com and discover new and innovative ways to promote yourself online.
1) Your number one goal is to get your prospect to look at your profile. Make it clean and easy to understand. Avoid flashy graphics. Your prospect will only look at your profile a few seconds to decide if they want to initiate contact with you. 2) Use advanced search features like company search. Many sites such as Ryze allow a company search. If you are in network marketing, use this feature to find people whose network marketing company is under investigation or in bankruptcy. They may be ready for a new opportunity. 3) Put your website URL inside your profile name. Your name should be "John Doe www.mywebsite.com" (Alexa) When you do this, then every time you post on a message board or a guestbook, people will see your URL and will possibly visit your website. 4) Start a group and become the expert. People will see you as a leader if you start a group. It also gives you an easy reason to contact others. Simply say, "Hello, I just started the XYZ Group. Would you like to visit it?" It is an easy conversation starter. 5) Don't use the spam bots. There are lots of tools for adding people quickly on My Space. They get the word out quickly, but people know it is from a machine and will delete it as spam. Who wants to be friends with a spammer? 6) Don't send friend requests too quickly. People don't like pushy aggressive people. Exchange a few messages first before you add them. 7) Look at their profile and ask something that shows you read it. People know when you are being honest and sincere and not sending out form letters. 8) Network in groups. Find your favorites and be active in there. Give more than you take. But, don't spam the group. If people want to find you, they know how to look you up. 9) Don't spam out your opportunity to your friends. When you add someone as a friend, don't turn around and give them a sales pitch. Instead say, "Wow, thanks for adding me. Let me know if I can help you out with your business." 10) Use the bulletin feature in My Space, but use it wisely. My Space has an excellent feature where you can blast out messages to your friends. Instead of a sales pitch, send out helpful tips and articles you found.
In conclusion, networking online is a great way to grow your business, but you must do it wisely.
About the Author
Carlos Scarpero is a blogger who writes about internet marketing and MLM. Visit his blog at http://www.itsaboutresults.com and discover new and innovative ways to promote yourself online.
10 Essential Tips For Online Networking Success
If you are involved in business, then you know that networking is essential for your success. With websites like My Space, Ryze, Friendser and Direct Matches, it is easier than ever to network online. Unfortunately, most people don't network correctly. Here are some quick and easy tips to ensure successful networking online.
1) Your number one goal is to get your prospect to look at your profile. Make it clean and easy to understand. Avoid flashy graphics. Your prospect will only look at your profile a few seconds to decide if they want to initiate contact with you. 2) Use advanced search features like company search. Many sites such as Ryze allow a company search. If you are in network marketing, use this feature to find people whose network marketing company is under investigation or in bankruptcy. They may be ready for a new opportunity. 3) Put your website URL inside your profile name. Your name should be "John Doe www.mywebsite.com" (Alexa) When you do this, then every time you post on a message board or a guestbook, people will see your URL and will possibly visit your website. 4) Start a group and become the expert. People will see you as a leader if you start a group. It also gives you an easy reason to contact others. Simply say, "Hello, I just started the XYZ Group. Would you like to visit it?" It is an easy conversation starter. 5) Don't use the spam bots. There are lots of tools for adding people quickly on My Space. They get the word out quickly, but people know it is from a machine and will delete it as spam. Who wants to be friends with a spammer? 6) Don't send friend requests too quickly. People don't like pushy aggressive people. Exchange a few messages first before you add them. 7) Look at their profile and ask something that shows you read it. People know when you are being honest and sincere and not sending out form letters. 8) Network in groups. Find your favorites and be active in there. Give more than you take. But, don't spam the group. If people want to find you, they know how to look you up. 9) Don't spam out your opportunity to your friends. When you add someone as a friend, don't turn around and give them a sales pitch. Instead say, "Wow, thanks for adding me. Let me know if I can help you out with your business." 10) Use the bulletin feature in My Space, but use it wisely. My Space has an excellent feature where you can blast out messages to your friends. Instead of a sales pitch, send out helpful tips and articles you found.
In conclusion, networking online is a great way to grow your business, but you must do it wisely.
About the Author
Carlos Scarpero is a blogger who writes about internet marketing and MLM. Visit his blog at http://www.itsaboutresults.com and discover new and innovative ways to promote yourself online.
1) Your number one goal is to get your prospect to look at your profile. Make it clean and easy to understand. Avoid flashy graphics. Your prospect will only look at your profile a few seconds to decide if they want to initiate contact with you. 2) Use advanced search features like company search. Many sites such as Ryze allow a company search. If you are in network marketing, use this feature to find people whose network marketing company is under investigation or in bankruptcy. They may be ready for a new opportunity. 3) Put your website URL inside your profile name. Your name should be "John Doe www.mywebsite.com" (Alexa) When you do this, then every time you post on a message board or a guestbook, people will see your URL and will possibly visit your website. 4) Start a group and become the expert. People will see you as a leader if you start a group. It also gives you an easy reason to contact others. Simply say, "Hello, I just started the XYZ Group. Would you like to visit it?" It is an easy conversation starter. 5) Don't use the spam bots. There are lots of tools for adding people quickly on My Space. They get the word out quickly, but people know it is from a machine and will delete it as spam. Who wants to be friends with a spammer? 6) Don't send friend requests too quickly. People don't like pushy aggressive people. Exchange a few messages first before you add them. 7) Look at their profile and ask something that shows you read it. People know when you are being honest and sincere and not sending out form letters. 8) Network in groups. Find your favorites and be active in there. Give more than you take. But, don't spam the group. If people want to find you, they know how to look you up. 9) Don't spam out your opportunity to your friends. When you add someone as a friend, don't turn around and give them a sales pitch. Instead say, "Wow, thanks for adding me. Let me know if I can help you out with your business." 10) Use the bulletin feature in My Space, but use it wisely. My Space has an excellent feature where you can blast out messages to your friends. Instead of a sales pitch, send out helpful tips and articles you found.
In conclusion, networking online is a great way to grow your business, but you must do it wisely.
About the Author
Carlos Scarpero is a blogger who writes about internet marketing and MLM. Visit his blog at http://www.itsaboutresults.com and discover new and innovative ways to promote yourself online.
Worried about Your Credit Worthiness, Get an Instant Report Online
If you need to buy a house or car or take a loan to start a business you need a credit report. It is a document that establishes your financial stability and reliability.
Generally a credit report is best prepared by credit bureaus that are qualified to do the needful. The professionals at the bureaus will compile:
a. Your personal information including social security numbers, phone numbers, and addresses. The information will also include details of your employment.
b. Information on any tax liens, foreclosures, divorce settlements, child support or bankruptcy.
c. Details regarding existing loans, credit card payments, late payments, defaults, car loans and so on. The information will include information on who gave the loan, the term of the loan as well as sources of income.
Today one can obtain a credit report online by contacting major players like Equifax, Experian, and Transunion among others.
From your PC itself you can make use of the many facilities offered by them. While there are genuine sites one must be aware that there are scams too. Surf the net to find out if there are any negative comments posted about any site that offers online credit reports. Always protect yourself from scams.
The main advantage of creating an accurate credit report is that it will enable you to get better rates on mortgages and loans and you will be able to use the report to quickly process applications. Since your credit worthiness is established financial institutions and others will be able to give you faster service.
Most credit reports will have a credit score. This indicates the "risk" element to lenders. The thumb rule is that borrowers with higher credit scores are less likely to default on payments. Borrowers with credit scores of above 700 get better interest rates and easier finance.
You can help yourself obtain a higher credit score by paying bills on time, paying at least the minimum amount payable on credit card bills, never defaulting on payments, reporting correctly all credit cards, accounts, and loans availed by you, and avoiding huge debts. Be prudent and own only a minimal number of credit cards.
Always check your credit report thoroughly for mistakes, inaccurate information, erroneous entries, and clerical errors. Be a knowledgeable person and learn as much as you can about managing finances, and your rights. In depth information can be had at: http://www.fdic.gov/consumers/consumer/news/cnwin0203/ch101.html#how and many other banking sites that host articles on credit reports.
There are laws in place that protect you and your credit information. Be aware of them and if you even suspect fraud or misuse of your information be sure to report it to the authorities. Agencies like FDIC and Federal Trade Commission are dedicated to protecting the consumers.
A credit report must always be kept up-to-date it can ease your life in many ways.
About the Author
Generally a credit report is best prepared by credit bureaus that are qualified to do the needful. The professionals at the bureaus will compile:
a. Your personal information including social security numbers, phone numbers, and addresses. The information will also include details of your employment.
b. Information on any tax liens, foreclosures, divorce settlements, child support or bankruptcy.
c. Details regarding existing loans, credit card payments, late payments, defaults, car loans and so on. The information will include information on who gave the loan, the term of the loan as well as sources of income.
Today one can obtain a credit report online by contacting major players like Equifax, Experian, and Transunion among others.
From your PC itself you can make use of the many facilities offered by them. While there are genuine sites one must be aware that there are scams too. Surf the net to find out if there are any negative comments posted about any site that offers online credit reports. Always protect yourself from scams.
The main advantage of creating an accurate credit report is that it will enable you to get better rates on mortgages and loans and you will be able to use the report to quickly process applications. Since your credit worthiness is established financial institutions and others will be able to give you faster service.
Most credit reports will have a credit score. This indicates the "risk" element to lenders. The thumb rule is that borrowers with higher credit scores are less likely to default on payments. Borrowers with credit scores of above 700 get better interest rates and easier finance.
You can help yourself obtain a higher credit score by paying bills on time, paying at least the minimum amount payable on credit card bills, never defaulting on payments, reporting correctly all credit cards, accounts, and loans availed by you, and avoiding huge debts. Be prudent and own only a minimal number of credit cards.
Always check your credit report thoroughly for mistakes, inaccurate information, erroneous entries, and clerical errors. Be a knowledgeable person and learn as much as you can about managing finances, and your rights. In depth information can be had at: http://www.fdic.gov/consumers/consumer/news/cnwin0203/ch101.html#how and many other banking sites that host articles on credit reports.
There are laws in place that protect you and your credit information. Be aware of them and if you even suspect fraud or misuse of your information be sure to report it to the authorities. Agencies like FDIC and Federal Trade Commission are dedicated to protecting the consumers.
A credit report must always be kept up-to-date it can ease your life in many ways.
About the Author
Andrew Bermam is a freelance writer for Credit Report, the premier website for free credit report and credit score online information, credit history, credit score, credit reporting industry, advantage credit monitoring, credit report scores and many more. He also freelances for Payday loan site.
Can I get a Car Loan without Credit History?
The difficulties associated with getting a car loan when you have bad credit are well known and fully explained in many articles. However, there is not much written about the problems that people with no credit history have to go through in order to obtain finance to buy a car.
Why having no credit history is a drawback?
The problem with having no credit history is that the lender has no means to measure the risk involved in lending to someone with no credit history. Unless you can provide some other asset as collateral besides the car, the lender is incapable of establishing the loan amount he can grant, the interest rate he will charge and the number of installments or loan length.
What the lender wonders is why someone with no credit history never requested a loan. Was it that he never needed one before? Or was it that he already knew he wouldn't get approved?
What can be done to solve the no credit issue?
There are many measures you can take in order to work out this problem. What you need to do is to start building yourself a healthy credit history. There are many financial products you can acquire in order to get the financial institutions start reporting to the credit agencies and thus start building a credit history.
Payday loans do not require credit checks, so you'll be able to apply for a payday loan without worrying about not having a credit history. The problem with payday loans is that the interest rate charged for this kind of products is very high and you may not need the money, so it makes no sense to request an expensive loan just to get your payment recorded into your credit report. Besides, you'll need a savings account and a steady income which leads us to the really first step:
If you don't have one already, open a savings account with a bank and if possible a checking account too, this will contribute to your credit history building process. Since any transactions made with this accounts will be recorded and reported to credit agencies.
If possible ask for a credit card, use it for daily expenses you would otherwise pay in cash and pay the full balance when the credit card payment is due. This will be recorded into your credit history too and will raise your credit score significantly.
The next step would be to find a lender, the smartest thing to do is to request one first at the financial institution where you opened the accounts. However if you can't get approved there, you may want to try applying with other lenders. There are many online car loan lenders dealing with bad credit car loans specially designed for those with bad credit, no credit or even bankruptcy.
Getting recommendation letters from your employer and from any creditor that doesn't report to credit agencies stating that you are a good payer, will greatly improve your chances of getting approved for a loan. It may sound a idealistic thing to do but I assure you that the lender will take those letters into account too when making a decision.
About the Author
Bryan Quinn is a financial advisor with more than thirty years of experience. For more smart tips on Payday Loans, Credit Cards and Car Loans you can visit www.badcreditloanservices.com and also learn more about other financial options.
Why having no credit history is a drawback?
The problem with having no credit history is that the lender has no means to measure the risk involved in lending to someone with no credit history. Unless you can provide some other asset as collateral besides the car, the lender is incapable of establishing the loan amount he can grant, the interest rate he will charge and the number of installments or loan length.
What the lender wonders is why someone with no credit history never requested a loan. Was it that he never needed one before? Or was it that he already knew he wouldn't get approved?
What can be done to solve the no credit issue?
There are many measures you can take in order to work out this problem. What you need to do is to start building yourself a healthy credit history. There are many financial products you can acquire in order to get the financial institutions start reporting to the credit agencies and thus start building a credit history.
Payday loans do not require credit checks, so you'll be able to apply for a payday loan without worrying about not having a credit history. The problem with payday loans is that the interest rate charged for this kind of products is very high and you may not need the money, so it makes no sense to request an expensive loan just to get your payment recorded into your credit report. Besides, you'll need a savings account and a steady income which leads us to the really first step:
If you don't have one already, open a savings account with a bank and if possible a checking account too, this will contribute to your credit history building process. Since any transactions made with this accounts will be recorded and reported to credit agencies.
If possible ask for a credit card, use it for daily expenses you would otherwise pay in cash and pay the full balance when the credit card payment is due. This will be recorded into your credit history too and will raise your credit score significantly.
The next step would be to find a lender, the smartest thing to do is to request one first at the financial institution where you opened the accounts. However if you can't get approved there, you may want to try applying with other lenders. There are many online car loan lenders dealing with bad credit car loans specially designed for those with bad credit, no credit or even bankruptcy.
Getting recommendation letters from your employer and from any creditor that doesn't report to credit agencies stating that you are a good payer, will greatly improve your chances of getting approved for a loan. It may sound a idealistic thing to do but I assure you that the lender will take those letters into account too when making a decision.
About the Author
Bryan Quinn is a financial advisor with more than thirty years of experience. For more smart tips on Payday Loans, Credit Cards and Car Loans you can visit www.badcreditloanservices.com and also learn more about other financial options.
Wednesday, April 25, 2007
The Importance of the Credit Report
What is it for? One of the many uses of people's credit report is to review how well organized their finances are and also show their quality of the credit life because every economical detail goes to this report and stays there for many years; even more so when it is a critical issue like a debt or bankruptcy. Many financial companies just look for this report and base their judgments on it.
The credit report determines if a person is eligible for loans and credits and gives people financial reliability.
Any mistake that appears on the credit report directly changes your financial status, so people should always check it before applying for any loan or credit. In some rare cases, credit reports can be misleading and affect people's financial status, in such situations there is a specific time for the reporting period. It usually is 7 years.
The 7-year reporting period is estimated from the date when the event occurred. Here we have an example, let us presume that one of your payments on a loan was late in February but you caught up in March. The same thing happened again in August, and you caught up in September. In November happened again, but you did not catch up, and the account was reported to a debt collection agency in January. Since you did not make any more payments, the account gets reported to profit and loss in August.
According to FCRA regulations, each late payment is reported and will appear on your credit report for as long as 7 years. The collection process and the charge to profit and loss will surely be reported from the date of the delinquency onward.
Although this 7-year period is regulated by government laws, there are few exceptions where there is no time limit, such as: bankruptcy, criminal conviction, student loan, information on a lawsuit or unpaid judgment and credit information in answer to a job application. It is much recommended to look up for professional advice before making any important decision regarding collection agencies.
But no matter how much we know about the profound consequences of not keeping a healthy credit report, we still end up in debt. No matter how serious the debt problem is or how far the loan gets, people should always try their hardest to free themselves from debt, and debt consolidation is one -if not the best- of the possibilities to regain financial stability. Check these links to learn more:
http://www.personal-bankruptcy-avoidance.com/Bankruptcy/NY-New-York/Bankruptcy-NY-New-York.shtml http://www.personal-bankruptcy-avoidance.com/Bankruptcy/FL-Florida/Bankruptcy-FL-Florida.shtml --- Martin Rogers is a contributing writer to www.personal-bankruptcy-avoidance.com and is currently writing some special articles to guide business on how to manage debt and avoid bankruptcy. For Free Credit Report Information and Debt Help Consultation, call toll-free 1-877-850-3328
About the Author
Martin Rogers is a contributing writer to www.personal-bankruptcy-avoidance.com and is currently writing some special articles to guide business on how to manage debt and avoid bankruptcy. For Free Credit Report Information and Debt Help Consultation, call toll-free 1-877-850-3328
The credit report determines if a person is eligible for loans and credits and gives people financial reliability.
Any mistake that appears on the credit report directly changes your financial status, so people should always check it before applying for any loan or credit. In some rare cases, credit reports can be misleading and affect people's financial status, in such situations there is a specific time for the reporting period. It usually is 7 years.
The 7-year reporting period is estimated from the date when the event occurred. Here we have an example, let us presume that one of your payments on a loan was late in February but you caught up in March. The same thing happened again in August, and you caught up in September. In November happened again, but you did not catch up, and the account was reported to a debt collection agency in January. Since you did not make any more payments, the account gets reported to profit and loss in August.
According to FCRA regulations, each late payment is reported and will appear on your credit report for as long as 7 years. The collection process and the charge to profit and loss will surely be reported from the date of the delinquency onward.
Although this 7-year period is regulated by government laws, there are few exceptions where there is no time limit, such as: bankruptcy, criminal conviction, student loan, information on a lawsuit or unpaid judgment and credit information in answer to a job application. It is much recommended to look up for professional advice before making any important decision regarding collection agencies.
But no matter how much we know about the profound consequences of not keeping a healthy credit report, we still end up in debt. No matter how serious the debt problem is or how far the loan gets, people should always try their hardest to free themselves from debt, and debt consolidation is one -if not the best- of the possibilities to regain financial stability. Check these links to learn more:
http://www.personal-bankruptcy-avoidance.com/Bankruptcy/NY-New-York/Bankruptcy-NY-New-York.shtml http://www.personal-bankruptcy-avoidance.com/Bankruptcy/FL-Florida/Bankruptcy-FL-Florida.shtml --- Martin Rogers is a contributing writer to www.personal-bankruptcy-avoidance.com and is currently writing some special articles to guide business on how to manage debt and avoid bankruptcy. For Free Credit Report Information and Debt Help Consultation, call toll-free 1-877-850-3328
About the Author
Martin Rogers is a contributing writer to www.personal-bankruptcy-avoidance.com and is currently writing some special articles to guide business on how to manage debt and avoid bankruptcy. For Free Credit Report Information and Debt Help Consultation, call toll-free 1-877-850-3328
The Importance of B2B Business Factoring of Invoices.
Accounts receivables, when held back, holds up company capital. The sale of your invoices to a factoring company provides quick cash that is usable for your business right away. It is a struggle for small business owners to obtain cash at times and that is why it is important for B2B business factoring of invoices to a factoring company. The importance behind B2B business factoring of invoices becomes evident when a business is facing a financial crunch.
Many small business owners do not want to become bogged down with loans that yield a high interest rate. When the business needs ready cash for company survival or even to take advantage of an opportunity is when B2B factoring of invoices becomes a vital means of income to the business. Factoring out a company's invoices does not require a business plan or tax statements. The cost behind doing this factoring is minimal for only a month or two; however, on a long term basis it can become more costly than a loan.
The idea of B2B business factoring of invoices may seem the solution you need for your circumstances. It would be advisable for you to consider some of the following facts:
* Do you really need the money for your company's survival? * Are you taking advantage of an opportunity that will enhance your business? * Have you checked to see if this type of financing matches up with your business plan? * At this time do you feel your business is ready for expansion and more money? * Is this Accounts Receivables factoring your only way out or have you tried a small business loan? * Finally, what are the current economic and industry conditions? Is now the time to finance or should you wait?
B2B business factoring of invoices plunge can mean the difference between company survival and bankruptcy. As a business person we understand that obtaining cash is one of the most vital means of keeping the business alive and
doing well. Remember that this process is not regulated as the banking industry. We should investigate such things as the company we are going to work with. Make sure that you negotiate the rates, and inspect contracts. After you have done your homework and feel your ready then go with confidence.
The latest method in converting your invoices into fast cash is referred to as Inzap. We wanted to mention this procedure as it is a form of B2B business factoring of your invoices. Inzap has some good advantages that you might want to use. The fact is you can convert your invoices into fast cash for about 2% which is the best rate around. It only takes a few days to get your money but Inzap offers a more attractive payment terms to business customers.
This is a new approach to B2B business factoring of invoices. You do have many advantages over the traditional factoring services. I would like to mention some of these advantages for you to consider.
* The rates are lower about 2% of the invoice amount. * The cash is available in just a few days. * There are no minimum requirements you can use Inzap as little or as much as you like. * You receive 100% of the cash upfront minus the fee charge. * It takes about 5 minutes to sign up and they accept small business owners as well as the larger ones. * You control your customer relationships while your customers enjoy getting more attractive payment terms.
Many business owners wonder why Inzap can offer such good services and low prices over the traditional method of factoring invoices. The importance of B2B business factoring of your invoices is always noted as essential to business. That is one of the main reasons that you should always investigate any business that you plan on doing factoring of your receivables with. Inzap has two good reasons that are beneficial to them which help them to keep good rates for the service they provide. The following two primary reasons may affect your business but you are the one who needs to consider if it will or not.
* One of the main things that Inzap does not do is insure you against non-payment by your customers. * Cash flow is sped up but if your customer doesn't pay for any reason then Inzap makes you responsible to pay them back. When you use this service I would advise that you use customer accounts that you can depend on. * Inzap may start you out with a low credit line and build you up over time.
The B2B business of factoring invoices is indeed a method worth considering as a means of getting fast cash without the hassles.
This article has been supplied courtesy of Bill Darken. Bill often writes for B2B Business Factoring. This site is dedicated to supplying the latest news and articles on small business factoring to assist people progressing with information and news. You can also look for small business information at small business answers. Small Business Lons are accessed at, http://loans-only.com/
About the Author
This article has been supplied courtesy of Bill Darken. Bill often writes for http://www.factoring-aid.com/ This site is dedicated to supplying the latest news and articles on small business factoring to assist people progressing with information and news. You can also look for small business information at http://small-business-answers.com
Many small business owners do not want to become bogged down with loans that yield a high interest rate. When the business needs ready cash for company survival or even to take advantage of an opportunity is when B2B factoring of invoices becomes a vital means of income to the business. Factoring out a company's invoices does not require a business plan or tax statements. The cost behind doing this factoring is minimal for only a month or two; however, on a long term basis it can become more costly than a loan.
The idea of B2B business factoring of invoices may seem the solution you need for your circumstances. It would be advisable for you to consider some of the following facts:
* Do you really need the money for your company's survival? * Are you taking advantage of an opportunity that will enhance your business? * Have you checked to see if this type of financing matches up with your business plan? * At this time do you feel your business is ready for expansion and more money? * Is this Accounts Receivables factoring your only way out or have you tried a small business loan? * Finally, what are the current economic and industry conditions? Is now the time to finance or should you wait?
B2B business factoring of invoices plunge can mean the difference between company survival and bankruptcy. As a business person we understand that obtaining cash is one of the most vital means of keeping the business alive and
doing well. Remember that this process is not regulated as the banking industry. We should investigate such things as the company we are going to work with. Make sure that you negotiate the rates, and inspect contracts. After you have done your homework and feel your ready then go with confidence.
The latest method in converting your invoices into fast cash is referred to as Inzap. We wanted to mention this procedure as it is a form of B2B business factoring of your invoices. Inzap has some good advantages that you might want to use. The fact is you can convert your invoices into fast cash for about 2% which is the best rate around. It only takes a few days to get your money but Inzap offers a more attractive payment terms to business customers.
This is a new approach to B2B business factoring of invoices. You do have many advantages over the traditional factoring services. I would like to mention some of these advantages for you to consider.
* The rates are lower about 2% of the invoice amount. * The cash is available in just a few days. * There are no minimum requirements you can use Inzap as little or as much as you like. * You receive 100% of the cash upfront minus the fee charge. * It takes about 5 minutes to sign up and they accept small business owners as well as the larger ones. * You control your customer relationships while your customers enjoy getting more attractive payment terms.
Many business owners wonder why Inzap can offer such good services and low prices over the traditional method of factoring invoices. The importance of B2B business factoring of your invoices is always noted as essential to business. That is one of the main reasons that you should always investigate any business that you plan on doing factoring of your receivables with. Inzap has two good reasons that are beneficial to them which help them to keep good rates for the service they provide. The following two primary reasons may affect your business but you are the one who needs to consider if it will or not.
* One of the main things that Inzap does not do is insure you against non-payment by your customers. * Cash flow is sped up but if your customer doesn't pay for any reason then Inzap makes you responsible to pay them back. When you use this service I would advise that you use customer accounts that you can depend on. * Inzap may start you out with a low credit line and build you up over time.
The B2B business of factoring invoices is indeed a method worth considering as a means of getting fast cash without the hassles.
This article has been supplied courtesy of Bill Darken. Bill often writes for B2B Business Factoring. This site is dedicated to supplying the latest news and articles on small business factoring to assist people progressing with information and news. You can also look for small business information at small business answers. Small Business Lons are accessed at, http://loans-only.com/
About the Author
This article has been supplied courtesy of Bill Darken. Bill often writes for http://www.factoring-aid.com/ This site is dedicated to supplying the latest news and articles on small business factoring to assist people progressing with information and news. You can also look for small business information at http://small-business-answers.com
Tuesday, April 24, 2007
Divorce, Debt & Credit... Facts you need to know
Before a divorce, during a divorce, and after getting a divorce you need to concern yourself with credit... credit establishment, credit files and credit scores. Though divorce and credit is a concern for both men and woman, woman tend to have the greater credit difficulty due to societal standards. Therefore, I encourage woman of any age or marital status to learn as much as possible from this and other articles. But for all men and woman, essential credit and financial matters must be addressed when contemplating a divorce in order for either and/or both parties to fiscally survive. Even if legally divorced, until finances are divorced, there is still a partnership as will soon be apparent. Here are some key points concerning credit that should be dealt with.
Joint Accounts - Joint Responsibility The Federal Trade commission says: "If you're considering divorce or separation, pay special attention to the status of your credit accounts. If you maintain joint accounts during this time, it's important to make regular payments so your credit record won't suffer. As long as there's an outstanding balance on a joint account, you and your spouse are responsible for it." If you divorce, you may want to close joint accounts or accounts in which your former spouse was an authorized user. Ask the creditor to convert these accounts to individual accounts. By law, a creditor cannot close a joint account because of a change in marital status, but can do so at the request of either spouse. A creditor, however, does not have to change joint accounts. The creditor can require you to reapply for credit on an individual basis and then, based on your new application, extend or deny you credit. In the case of a mortgage or home equity loan, a lender is likely to require refinancing to remove a spouse from the obligation. SPECIAL NOTE: any time you open an individual account, you may authorize another person to use it. A creditor who reports (good or bad) credit history to a credit bureau, will report it in the file of any person you have named as "authorized user" as well as your own file.
BEWARE - Defaulting on a Joint Account Regardless of any court decision, if one joint account holder defaults on a loan, I guarantee the creditor will not care who the court ordered to pay it. The creditor will definitely come after the other joint account holder. Even if declaring bankruptcy, a creditor will make every effort to reclaim their lost revenue or property from the surviving spouse. Therefore be fully aware that if a creditor does not agree to transfer joint accounts to an individual, then both of you are still responsible for full repayment to the creditor, regardless of how you've agreed to split the bills in the divorce settlement. If a spouse fails to make a payment, a creditor will come after the remaining joint holder, regardless of any divorce agreement. Additionally both joint holders will have negative comments on their credit file regardless of fault.
Experian Offers Tips Experian says, "There are several ways you can prevent credit obligations from making divorce more difficult - and reestablish your own distinct credit lines after divorce occurs. You may wish to consider the following: Communicate with your ex-spouse. Make as clean a financial cut as possible. Communicate with your creditors. Decide which credit belongs to whom, then ask each company and bank that extended you credit to transfer the debt to the name of the person who will be responsible. During divorce negotiations, keep your joint bills current, even if you ultimately will have no responsibility for the debt. If you don't, your creditors could become more reluctant to release one party from joint liability. Ask the credit grantor to remove your spouse's name as an authorized user or close the joint account to additional charges. If your spouse runs up large amounts of debt, you should cancel as many of the accounts as possible. Inform all creditors, in writing, that you are not responsible for these debts. This may not prevent them from trying to collect, but it does show that you attempted to act responsibly. Upon your divorce settlement, you and your ex-spouse might consider obtaining individual consolidation loans to cover your share of the joint bills. Pay off the joint bills with your individual loans and close all joint accounts. This helps ensure you'll be responsible only for those bills you agreed to pay. It also will help you establish or reestablish credit in your own name. "
Other Points To Ponder During a divorce people rarely consider the impact on their credit, yet the ramifications for failure to properly prepare for future credit can be devastating. Here then is a checklist and summary for a potential divorce in order to best protect your credit and rating. Get a bank account in your name only. Get at least one unsecured credit card in your name only. At a minimum get a secured credit card but in your name only. (This should occur whether divorcing or not.) Ask to freeze any joint accounts with an outstanding asset or liability (bank, credit card, loans, etc.) so that both signatures are required before any transactions can be made. Notify all creditors in writing (and call them) Document dates and who spoken to: Have joint accounts closed if a zero balance or if possible have the account placed in the primary responsible party's name only; Instruct all creditors that you want all authorized users removed except the primary holder; Inform all creditors you are not responsible for charges from that point on if not in your name. The primary party may have to re-qualify with the lender. This also means whoever will be responsible for a mortgage will probably have to refinance in order to remove the secondary party's responsibility. Get copies of your 3 credit reports and inform all credit bureaus when the divorce is final. Make every effort to separate your credit file from that of your former spouse.
MyVesta and Divorce.net MyVesta.org adds the following great suggestions "Make sure your name is listed on your utility accounts, an item often overlooked by many. When you go to get credit, they often look to see if you have a phone number in your name. If you don't, even if you are listed in the phone book at that number, it can be problematic. "Before signing the divorce papers, consider one addendum: change of name authorization. Crazy as it seems, many states require your ex-spouse's signature before issuing you a driver's license or other ID in a previous or maiden name. Men who added hyphens during marriage could encounter identity trouble, as well." Divorce.net offers very fitting final thoughts. "Your spouse may be in contempt of court for disobeying a court order that requires him [or her] to pay certain bills. However, if you are jointly liable to a creditor as in the case of a mortgage or co-signed credit applications, your spouse's contempt of court is NO EXCUSE for your non-payment. It simply isn't a legally sufficient defense to say, "It's no longer my responsibility because the court ordered my spouse to pay." _______________________ And from yours truly I add this. Until you are financially divorced with your own credit established, you remain tied to your former spouse. Divorce is not the tidy little package some people would like to think it is. It is not simply a matter of walking out one day. Over and above issues of child support and alimony, there are other financial ramifications beyond the emotional ones. The greater the communication at these times on both parts, the less of an impact there will be to both parties and the sooner the final separation will occur. Communication is critical in a marriage. It is just as critical in a divorce.
About the Author
Mike has been an Internet Guide/Writer in the field of Credit/Debt Management for over 10 years. His site was awarded Best Of Net by Forbes Publication from 2000 to 2005 with site visitation doubling to over 500,000 average views per month in the last year. He has also offered debt elimination seminars to businesses and community colleges for the last 9 years. He has been interviewed,and referenced in numerous publications. http://learncreditmanagement.com/
Joint Accounts - Joint Responsibility The Federal Trade commission says: "If you're considering divorce or separation, pay special attention to the status of your credit accounts. If you maintain joint accounts during this time, it's important to make regular payments so your credit record won't suffer. As long as there's an outstanding balance on a joint account, you and your spouse are responsible for it." If you divorce, you may want to close joint accounts or accounts in which your former spouse was an authorized user. Ask the creditor to convert these accounts to individual accounts. By law, a creditor cannot close a joint account because of a change in marital status, but can do so at the request of either spouse. A creditor, however, does not have to change joint accounts. The creditor can require you to reapply for credit on an individual basis and then, based on your new application, extend or deny you credit. In the case of a mortgage or home equity loan, a lender is likely to require refinancing to remove a spouse from the obligation. SPECIAL NOTE: any time you open an individual account, you may authorize another person to use it. A creditor who reports (good or bad) credit history to a credit bureau, will report it in the file of any person you have named as "authorized user" as well as your own file.
BEWARE - Defaulting on a Joint Account Regardless of any court decision, if one joint account holder defaults on a loan, I guarantee the creditor will not care who the court ordered to pay it. The creditor will definitely come after the other joint account holder. Even if declaring bankruptcy, a creditor will make every effort to reclaim their lost revenue or property from the surviving spouse. Therefore be fully aware that if a creditor does not agree to transfer joint accounts to an individual, then both of you are still responsible for full repayment to the creditor, regardless of how you've agreed to split the bills in the divorce settlement. If a spouse fails to make a payment, a creditor will come after the remaining joint holder, regardless of any divorce agreement. Additionally both joint holders will have negative comments on their credit file regardless of fault.
Experian Offers Tips Experian says, "There are several ways you can prevent credit obligations from making divorce more difficult - and reestablish your own distinct credit lines after divorce occurs. You may wish to consider the following: Communicate with your ex-spouse. Make as clean a financial cut as possible. Communicate with your creditors. Decide which credit belongs to whom, then ask each company and bank that extended you credit to transfer the debt to the name of the person who will be responsible. During divorce negotiations, keep your joint bills current, even if you ultimately will have no responsibility for the debt. If you don't, your creditors could become more reluctant to release one party from joint liability. Ask the credit grantor to remove your spouse's name as an authorized user or close the joint account to additional charges. If your spouse runs up large amounts of debt, you should cancel as many of the accounts as possible. Inform all creditors, in writing, that you are not responsible for these debts. This may not prevent them from trying to collect, but it does show that you attempted to act responsibly. Upon your divorce settlement, you and your ex-spouse might consider obtaining individual consolidation loans to cover your share of the joint bills. Pay off the joint bills with your individual loans and close all joint accounts. This helps ensure you'll be responsible only for those bills you agreed to pay. It also will help you establish or reestablish credit in your own name. "
Other Points To Ponder During a divorce people rarely consider the impact on their credit, yet the ramifications for failure to properly prepare for future credit can be devastating. Here then is a checklist and summary for a potential divorce in order to best protect your credit and rating. Get a bank account in your name only. Get at least one unsecured credit card in your name only. At a minimum get a secured credit card but in your name only. (This should occur whether divorcing or not.) Ask to freeze any joint accounts with an outstanding asset or liability (bank, credit card, loans, etc.) so that both signatures are required before any transactions can be made. Notify all creditors in writing (and call them) Document dates and who spoken to: Have joint accounts closed if a zero balance or if possible have the account placed in the primary responsible party's name only; Instruct all creditors that you want all authorized users removed except the primary holder; Inform all creditors you are not responsible for charges from that point on if not in your name. The primary party may have to re-qualify with the lender. This also means whoever will be responsible for a mortgage will probably have to refinance in order to remove the secondary party's responsibility. Get copies of your 3 credit reports and inform all credit bureaus when the divorce is final. Make every effort to separate your credit file from that of your former spouse.
MyVesta and Divorce.net MyVesta.org adds the following great suggestions "Make sure your name is listed on your utility accounts, an item often overlooked by many. When you go to get credit, they often look to see if you have a phone number in your name. If you don't, even if you are listed in the phone book at that number, it can be problematic. "Before signing the divorce papers, consider one addendum: change of name authorization. Crazy as it seems, many states require your ex-spouse's signature before issuing you a driver's license or other ID in a previous or maiden name. Men who added hyphens during marriage could encounter identity trouble, as well." Divorce.net offers very fitting final thoughts. "Your spouse may be in contempt of court for disobeying a court order that requires him [or her] to pay certain bills. However, if you are jointly liable to a creditor as in the case of a mortgage or co-signed credit applications, your spouse's contempt of court is NO EXCUSE for your non-payment. It simply isn't a legally sufficient defense to say, "It's no longer my responsibility because the court ordered my spouse to pay." _______________________ And from yours truly I add this. Until you are financially divorced with your own credit established, you remain tied to your former spouse. Divorce is not the tidy little package some people would like to think it is. It is not simply a matter of walking out one day. Over and above issues of child support and alimony, there are other financial ramifications beyond the emotional ones. The greater the communication at these times on both parts, the less of an impact there will be to both parties and the sooner the final separation will occur. Communication is critical in a marriage. It is just as critical in a divorce.
About the Author
Mike has been an Internet Guide/Writer in the field of Credit/Debt Management for over 10 years. His site was awarded Best Of Net by Forbes Publication from 2000 to 2005 with site visitation doubling to over 500,000 average views per month in the last year. He has also offered debt elimination seminars to businesses and community colleges for the last 9 years. He has been interviewed,and referenced in numerous publications. http://learncreditmanagement.com/
Which Level Of Debt Consolidation Is Your Financial Situation Screaming For?
If you are considering debt consolidation, the biggest mistake you could possibly make is to take out another loan. If you are drowning in deep credit card debt, consolidation is definitely a high priority, but you might be able to prioritize and reorganize your payments without having to go deeper into debt.
Many consumers today don't realize that they have many options available to help them handle their debts. A debt consolidation loan is just one alternative in a long list of debt relief options. A consolidation loan should be considered only after evaluating all your debts and coming up with a Plan Of Action! You must be certain that you are making the most practical decision based upon you're specific financial situation.
Most consumers considering debt consolidation have read a few articles here or there, but don't understand the magnitude of what debt consolidation really is or how it will affect their credit in the long run. For example, if there is a way to get out of debt without having to go through credit counseling or debt settlement for example, you could preserve your credit score and qualify for much lower interest rates in the future saving you thousands of dollars.
The point is, there are different levels of debt consolidation, you should choose the level that best suits the severity of your financial situation.
Basically, there are six levels of debt consolidation, try out step one, if it works well for you, great! Use it to get out of debt. If not, move to step two and give it a shot. Each step gets a bit more drastic and affects your credit score a bit more, but there is a debt consolidation action plan that will work for you.
Step One is constructing a Debt Pay Off Plan. Many consumers have stacks of bills and credit cards that they pay monthly, but have no idea exactly what they owe or how many months of payments must be made until their debts are paid in full.
If you truly want to get out of debt, it is imperative that you know exactly what you owe and have a specific repayment plan in place. With a clear plan, many people who once thought their only hope was to file bankruptcy found out that they really can handle their own debts with a rock solid debt consolidation pay off plan.
The secret to a successful debt consolidation pay off plan is to reorganize payments so that as much money as possible goes toward paying down the principle debt, and as little as possible goes toward paying interest.
There are two keys to optimizing your debt consolidation payments this way; one is having a rock solid written plan for paying off your debts, and the other is knowing the mathmatical formula to pay off your debts as fast as possible.
About the Author
Get the exact forumla you need to Pay Your Debts Off Fast and check out all six levels of Debt Consolidation at OutofDebt4Good.com.
Many consumers today don't realize that they have many options available to help them handle their debts. A debt consolidation loan is just one alternative in a long list of debt relief options. A consolidation loan should be considered only after evaluating all your debts and coming up with a Plan Of Action! You must be certain that you are making the most practical decision based upon you're specific financial situation.
Most consumers considering debt consolidation have read a few articles here or there, but don't understand the magnitude of what debt consolidation really is or how it will affect their credit in the long run. For example, if there is a way to get out of debt without having to go through credit counseling or debt settlement for example, you could preserve your credit score and qualify for much lower interest rates in the future saving you thousands of dollars.
The point is, there are different levels of debt consolidation, you should choose the level that best suits the severity of your financial situation.
Basically, there are six levels of debt consolidation, try out step one, if it works well for you, great! Use it to get out of debt. If not, move to step two and give it a shot. Each step gets a bit more drastic and affects your credit score a bit more, but there is a debt consolidation action plan that will work for you.
Step One is constructing a Debt Pay Off Plan. Many consumers have stacks of bills and credit cards that they pay monthly, but have no idea exactly what they owe or how many months of payments must be made until their debts are paid in full.
If you truly want to get out of debt, it is imperative that you know exactly what you owe and have a specific repayment plan in place. With a clear plan, many people who once thought their only hope was to file bankruptcy found out that they really can handle their own debts with a rock solid debt consolidation pay off plan.
The secret to a successful debt consolidation pay off plan is to reorganize payments so that as much money as possible goes toward paying down the principle debt, and as little as possible goes toward paying interest.
There are two keys to optimizing your debt consolidation payments this way; one is having a rock solid written plan for paying off your debts, and the other is knowing the mathmatical formula to pay off your debts as fast as possible.
About the Author
Get the exact forumla you need to Pay Your Debts Off Fast and check out all six levels of Debt Consolidation at OutofDebt4Good.com.
Free Debt Consolidation to Avoid Bankruptcy
Most likely you are reading this article because you typed "free debt consolidation" in your browser window. You certainly had a lot of hits on that one and this is just one article of many. One of the things you will have noticed if you start reading articles that seem to be about this concept that there is really a lot of differing information in them. One main reason for this is the fact that there is a lot of ambiguity surrounding the term "free". You may find an article that talks about free debt consolidation and they really mean there is no fee for the service. You may find another where the concept of free really only refers to the free material you can receive to learn more about debt consolidation.
So here we will discuss both of these concepts.
Free debt consolidation would appear to mean that you can have your debt consolidated into one single loan and you will not have to pay anything for this service. If you are someone who believes there is no such thing as a free lunch, you will probably be skeptical about this and assume there must be hidden fees involved, or they are just lying. Well, the truth lies somewhere in the middle. There are companies, which are true non profit companies that will help you to look at all of your debt and plan the best way to pay down the debt and also advise you on a budget and keeping within it. This is not the same as a debt consolidation company that will take your current bills and pay them down and you pay that company back at a slower rate; these non profit firms are not able to do this and this is not a service that usually comes for free, I'm sorry to report.
If however, you are talking about obtaining a free consultation from a debt consolidation company, you certainly can obtain this service for free. Debt consolidation companies want your business, otherwise they wouldn't be in business. So they will be happy to have a representative sit down with you or speak to you over the phone about your questions regarding debt consolidation. You can always read about information regarding debt consolidation on the internet, but you may still be confused. As you are looking at the internet, you should make a list of questions to cover every topic that confuses you about debt consolidation. The representative will be happy to spend time with you to answer these questions if there is a chance they are going to get your business. While you are searching on the internet for information about debt consolidation, be sure to visit those sites that give consumer advice about unreputable debt consolidation companies, and also about how to get out of a debt consolidation contract if you do get stuck with one of them. There are even sites that will try to dissuade you from doing a debt consolidation loan. Read about that as well, since you want to know about all sides of the issue. These articles usually discuss companies that use practices that are at best, unethical, and at worst, illegal.
Whether you are online looking for information about "free" debt consolidation or about "free" information about debt consolidation, make sure you know what you are doing before you commit any funds to any organization. Even information that really is free may be totally valueless if the information is wrong. Debt consolidation that purports to be free may not be, and as you originally suspected, has hidden fees that may make your financial situation worse.
That is a reason that many debt counselors advise against using so called free debt consolidation services. You may be better off in the long run working with a company that has clearly stated written fees for their services. You know upfront what you are paying for, and you won't get stuck with hidden fees that add even further to your debt. When the charges are listed clearly, you can calculate them and know for sure that consolidating your debt is going to cost "x" %. With hidden charges that free debt consolidation companies tack on, you may be paying a much higher rate in the long run and not even know it.
About the Author
Jack Blacksmith's web pages are published on a large number of web publications with information about debt management and credit counseling. You can have a look at his writings on loans to consolidate debt over at http://www.debtania.com/consolidating.html and many different sources for loans to consolidate debt knowledge.
So here we will discuss both of these concepts.
Free debt consolidation would appear to mean that you can have your debt consolidated into one single loan and you will not have to pay anything for this service. If you are someone who believes there is no such thing as a free lunch, you will probably be skeptical about this and assume there must be hidden fees involved, or they are just lying. Well, the truth lies somewhere in the middle. There are companies, which are true non profit companies that will help you to look at all of your debt and plan the best way to pay down the debt and also advise you on a budget and keeping within it. This is not the same as a debt consolidation company that will take your current bills and pay them down and you pay that company back at a slower rate; these non profit firms are not able to do this and this is not a service that usually comes for free, I'm sorry to report.
If however, you are talking about obtaining a free consultation from a debt consolidation company, you certainly can obtain this service for free. Debt consolidation companies want your business, otherwise they wouldn't be in business. So they will be happy to have a representative sit down with you or speak to you over the phone about your questions regarding debt consolidation. You can always read about information regarding debt consolidation on the internet, but you may still be confused. As you are looking at the internet, you should make a list of questions to cover every topic that confuses you about debt consolidation. The representative will be happy to spend time with you to answer these questions if there is a chance they are going to get your business. While you are searching on the internet for information about debt consolidation, be sure to visit those sites that give consumer advice about unreputable debt consolidation companies, and also about how to get out of a debt consolidation contract if you do get stuck with one of them. There are even sites that will try to dissuade you from doing a debt consolidation loan. Read about that as well, since you want to know about all sides of the issue. These articles usually discuss companies that use practices that are at best, unethical, and at worst, illegal.
Whether you are online looking for information about "free" debt consolidation or about "free" information about debt consolidation, make sure you know what you are doing before you commit any funds to any organization. Even information that really is free may be totally valueless if the information is wrong. Debt consolidation that purports to be free may not be, and as you originally suspected, has hidden fees that may make your financial situation worse.
That is a reason that many debt counselors advise against using so called free debt consolidation services. You may be better off in the long run working with a company that has clearly stated written fees for their services. You know upfront what you are paying for, and you won't get stuck with hidden fees that add even further to your debt. When the charges are listed clearly, you can calculate them and know for sure that consolidating your debt is going to cost "x" %. With hidden charges that free debt consolidation companies tack on, you may be paying a much higher rate in the long run and not even know it.
About the Author
Jack Blacksmith's web pages are published on a large number of web publications with information about debt management and credit counseling. You can have a look at his writings on loans to consolidate debt over at http://www.debtania.com/consolidating.html and many different sources for loans to consolidate debt knowledge.
Why You Should Employ a Bankruptcy Lawyer to File Bankruptcy
Bankruptcy can be an overwhelming blow to an individual, a small business, or even a multi-million dollar corporation. The allocation of funds, the audits, the creditor claims, and the claiming of assets may be too much for the whole staff to handle, leave alone a single individual. More and more people are filing and declaring bankruptcy when faced with unmanageable multiple debts.
More than 2 million people filed for bankruptcy in the United States in 2006. It is extremely important to know when to file bankruptcy and what to do after bankruptcy. A bankruptcy lawyer will help you to set your assets in order and smoothly take care of the filing for bankruptcy.
File for bankruptcy with the right legal help
Under the new Bankruptcy Act of 2005, credit counseling or other options may be required. Finance professionals generally suggest that you assess your financial situation before filing for bankruptcy, as often debtors file bankruptcy without first exploring other options to settle their debts. However, if it is unavoidable, they advise debtors to seek professional help such as financial lawyers to help them understand the process and its effects. You also need to get familiar with new bankruptcy law even though you are taking legal help.
Filing for bankruptcy is complex for average people
The proceedings involved in bankruptcy are supervised by and litigated in the United States Bankruptcy Courts. There are several bankruptcy codes in America and it is very stringent regarding how to file bankruptcy. Bankruptcy codes are very confusing and deal with all of the many different classes of bankruptcy that a business or person can file. It's important to note that even though people can file different bankruptcy forms, there is only one prime bankruptcy code which deals with all of the different types of bankruptcy in the United States of America. The bankruptcy attorney decides which chapter of the code best fits the situation and accordingly he will decide to file under chapter 13 or chapter 7.
5 Helpful Tips to select Bankruptcy Attorney
1. You should contact local bar association to get a list of lawyers in your community who specialize specifically in the practice of bankruptcy law. If you are filing a personal bankruptcy case, you need to select a lawyer who is specialist in personal bankruptcy.
2. You should do your research on bankruptcy and bankruptcy lawyer in internet. You can plenty of newspaper articles, bar association notices and other information about lawyers.
3. You also should concentrate on word of mouth information. You need to listen what your friends, family members and colleagues have to say about one attorney or another.
4. You need to personally meet your lawyer before employing him. Lawyer should be attentive to you and understand your current situation.
5. Before finalizing the attorney, you need to check her fee structure. This will help you to bring order to your chaotic financial house both in the short and the long term.
A bankruptcy lawyer is well worth his cost. It will pay rich dividends through peace of mind, simplifying the procedures and probably actual money saved in following your bankruptcy attorney's advice.
Here, we are talking about bankruptcy that will be on your credit report for 10 years - spend the money to get a serious and reputed bankruptcy attorney who will work for you, not for his or her own self interests.
About the Author
Are you bankrupt and trying to get homeloan? Here you will find excellent information on home loans after bankruptcy. Author is an financial planner of 10 years experience.
More than 2 million people filed for bankruptcy in the United States in 2006. It is extremely important to know when to file bankruptcy and what to do after bankruptcy. A bankruptcy lawyer will help you to set your assets in order and smoothly take care of the filing for bankruptcy.
File for bankruptcy with the right legal help
Under the new Bankruptcy Act of 2005, credit counseling or other options may be required. Finance professionals generally suggest that you assess your financial situation before filing for bankruptcy, as often debtors file bankruptcy without first exploring other options to settle their debts. However, if it is unavoidable, they advise debtors to seek professional help such as financial lawyers to help them understand the process and its effects. You also need to get familiar with new bankruptcy law even though you are taking legal help.
Filing for bankruptcy is complex for average people
The proceedings involved in bankruptcy are supervised by and litigated in the United States Bankruptcy Courts. There are several bankruptcy codes in America and it is very stringent regarding how to file bankruptcy. Bankruptcy codes are very confusing and deal with all of the many different classes of bankruptcy that a business or person can file. It's important to note that even though people can file different bankruptcy forms, there is only one prime bankruptcy code which deals with all of the different types of bankruptcy in the United States of America. The bankruptcy attorney decides which chapter of the code best fits the situation and accordingly he will decide to file under chapter 13 or chapter 7.
5 Helpful Tips to select Bankruptcy Attorney
1. You should contact local bar association to get a list of lawyers in your community who specialize specifically in the practice of bankruptcy law. If you are filing a personal bankruptcy case, you need to select a lawyer who is specialist in personal bankruptcy.
2. You should do your research on bankruptcy and bankruptcy lawyer in internet. You can plenty of newspaper articles, bar association notices and other information about lawyers.
3. You also should concentrate on word of mouth information. You need to listen what your friends, family members and colleagues have to say about one attorney or another.
4. You need to personally meet your lawyer before employing him. Lawyer should be attentive to you and understand your current situation.
5. Before finalizing the attorney, you need to check her fee structure. This will help you to bring order to your chaotic financial house both in the short and the long term.
A bankruptcy lawyer is well worth his cost. It will pay rich dividends through peace of mind, simplifying the procedures and probably actual money saved in following your bankruptcy attorney's advice.
Here, we are talking about bankruptcy that will be on your credit report for 10 years - spend the money to get a serious and reputed bankruptcy attorney who will work for you, not for his or her own self interests.
About the Author
Are you bankrupt and trying to get homeloan? Here you will find excellent information on home loans after bankruptcy. Author is an financial planner of 10 years experience.
Monday, April 23, 2007
Debt Consolidation Services Solving and Avoiding Debt
By Debbie White
People these days believe they do not need any help from anybody, and that they can handle any given situation on their own. That is mainly why it takes them so long to seek professional help, and when they do find it, it is sometimes too late, or the situation is quite bleak. That is when debt consolidation services come in handy.
Debt Consolidation Services are a very useful service that allows people with debt problems to learn how to fix them. During the debt consolidation services process, people learn a lot about avoiding future debt, which is one of the main doubts people have.
Christopher Watts is a former client from our debt consolidation services. He entered the program due to all his accumulated debts. Debbie White conducted his counseling, and she managed to show him how to consolidate all his debts and also taught him how to avoid future debt.
Christopher Watts: What will I get from using the debt consolidation services?
Debbie White: Our team has experts on different areas of financial services, and they all have training in debt consolidation services, which means they can give advice on what decisions to make and how to make them. The main goal of the debt consolidation services is to help solve your financial problems and help you regain debt freedom.
Christopher Watts: How does the process work?
Debbie White: When you have decided to start with the debt consolidation services, you go to the company's website and fill out an online application form where you can access all the requested information about your current financial situation which the counselors asked you to pin down, such as income, expenses, debts, which are secured and unsecured and a complete list of creditors with the debt owed to each one of them. After that, you will be considered a Debt Consolidation Services participant and your application will be thoroughly reviewed by the counseling team. They will shortly sketch a step by step plan that will help you regain your financial stability.
Christopher Watts: Could you tell me the steps for the Debt Consolidation Services?
Debbie White: The counseling will first sort out all of your finances. They will assist you in listing your creditors, outstanding unsecured debts, the amount of money owed to each creditor and the total monthly payment you should be making. The next thing is to review closely what your monthly expenses will be. This way, they will classify what is essential to pay and what not; including mortgage or rent, utility bills and child support. After finally setting your personal budget, you have the option to decide how much you would like to pay towards your debt consolidation services.
Christopher Watts: So I keep paying my creditors as well?
Debbie White: The Debt Consolidation Services counselors will start contacting each and every one of your creditors to try establishing a new agreement on a lower monthly installment. In some cases, the counselor achieves the reduction of the interest rates and the charge fees for late payments.
Debt Consolidation Services looks for the best deal for the client. If after thoroughly studying a specific case, they see that the interest charges and fees are the ones affecting the client's situation more, then they will work toward lowering that specific item.
Debt Consolidation Services also strives to bring educational materials and workshops in order to help the client learn how to avoid this type of situation in the near future.
There are some risks involved in using Debt Consolidation Services. And that risk is narrowed down to your using a debt consolidation service that is not legitimate or professional. Spend some time researching, and even ask your creditors if there is a specific company they work with; and they will surely recommend some one.
If you make the right choice, everything will go smoothly. The upside to picking the right firm is that in no time you will have peace of mind once again knowing that your bills are being paid on time every month.
We have different articles on interesting topics and experiences from current and former clients with our programs. Take a look at related topics of different situations on Debt Consolidation Services that people can fall into and how to keep yourself a debt free person.
Check these links to learn more:
http://www.curadebt.com
http://debtconsolidationprograms2.blogspot.com/
--- Debbie White is a contributing writer to http://www.curadebt.com and is currently writing some special articles to guide business on how to manage debt and avoid bankruptcy. For Free Information on Debt Consolidation Services and Debt Help Consultation, call toll-free 1-877-850-3328
About the Author
Debbie White is a contributing writer to http://www.curadebt.com and is currently writing some special articles to guide business on how to manage debt and avoid bankruptcy. For Free Information on Debt Consolidation Services and Debt Help Consultation, call toll-free 1-877-850-3328
People these days believe they do not need any help from anybody, and that they can handle any given situation on their own. That is mainly why it takes them so long to seek professional help, and when they do find it, it is sometimes too late, or the situation is quite bleak. That is when debt consolidation services come in handy.
Debt Consolidation Services are a very useful service that allows people with debt problems to learn how to fix them. During the debt consolidation services process, people learn a lot about avoiding future debt, which is one of the main doubts people have.
Christopher Watts is a former client from our debt consolidation services. He entered the program due to all his accumulated debts. Debbie White conducted his counseling, and she managed to show him how to consolidate all his debts and also taught him how to avoid future debt.
Christopher Watts: What will I get from using the debt consolidation services?
Debbie White: Our team has experts on different areas of financial services, and they all have training in debt consolidation services, which means they can give advice on what decisions to make and how to make them. The main goal of the debt consolidation services is to help solve your financial problems and help you regain debt freedom.
Christopher Watts: How does the process work?
Debbie White: When you have decided to start with the debt consolidation services, you go to the company's website and fill out an online application form where you can access all the requested information about your current financial situation which the counselors asked you to pin down, such as income, expenses, debts, which are secured and unsecured and a complete list of creditors with the debt owed to each one of them. After that, you will be considered a Debt Consolidation Services participant and your application will be thoroughly reviewed by the counseling team. They will shortly sketch a step by step plan that will help you regain your financial stability.
Christopher Watts: Could you tell me the steps for the Debt Consolidation Services?
Debbie White: The counseling will first sort out all of your finances. They will assist you in listing your creditors, outstanding unsecured debts, the amount of money owed to each creditor and the total monthly payment you should be making. The next thing is to review closely what your monthly expenses will be. This way, they will classify what is essential to pay and what not; including mortgage or rent, utility bills and child support. After finally setting your personal budget, you have the option to decide how much you would like to pay towards your debt consolidation services.
Christopher Watts: So I keep paying my creditors as well?
Debbie White: The Debt Consolidation Services counselors will start contacting each and every one of your creditors to try establishing a new agreement on a lower monthly installment. In some cases, the counselor achieves the reduction of the interest rates and the charge fees for late payments.
Debt Consolidation Services looks for the best deal for the client. If after thoroughly studying a specific case, they see that the interest charges and fees are the ones affecting the client's situation more, then they will work toward lowering that specific item.
Debt Consolidation Services also strives to bring educational materials and workshops in order to help the client learn how to avoid this type of situation in the near future.
There are some risks involved in using Debt Consolidation Services. And that risk is narrowed down to your using a debt consolidation service that is not legitimate or professional. Spend some time researching, and even ask your creditors if there is a specific company they work with; and they will surely recommend some one.
If you make the right choice, everything will go smoothly. The upside to picking the right firm is that in no time you will have peace of mind once again knowing that your bills are being paid on time every month.
We have different articles on interesting topics and experiences from current and former clients with our programs. Take a look at related topics of different situations on Debt Consolidation Services that people can fall into and how to keep yourself a debt free person.
Check these links to learn more:
http://www.curadebt.com
http://debtconsolidationprograms2.blogspot.com/
--- Debbie White is a contributing writer to http://www.curadebt.com and is currently writing some special articles to guide business on how to manage debt and avoid bankruptcy. For Free Information on Debt Consolidation Services and Debt Help Consultation, call toll-free 1-877-850-3328
About the Author
Debbie White is a contributing writer to http://www.curadebt.com and is currently writing some special articles to guide business on how to manage debt and avoid bankruptcy. For Free Information on Debt Consolidation Services and Debt Help Consultation, call toll-free 1-877-850-3328
Limitless Articles
If you are seeking a website that offers a database with unlimited articles then you will be glad to learn there is one available. You will find articles on every subject under the sun or you to use on your own website as long as you provide a link back.
Health articles whether for your own knowledge, research, or to use on your website or even a newsletter can be found with just a click of a button. You will enjoy finding various topics such as "Living with a Latex Allergy", "Atkins Diet", and "Hair loss" to name just a few. With these health articles you will be able to find so much information regarding on the newest diets, how to protect your children against common ailments, and even personal care information. We all know that our health is very important and learning all we can regarding harmful effects of prescription drugs or how to avoid contagious diseases, will give you the armor you need to fight these problems on the battlefield where they begin.
Business and Finance is a very large subject that has many opportunities to build your own website or to give you insightful information that will help you start your own business or give you the resources you need for financing your home loan. Articles regarding bankruptcy, mortgage loans, refinance loans; first time homebuyer loans and more will give you everything you need to know how to improve your credit in order to receive a loan. Not only this, but you can find enough articles on businesses that you can create an entire website for business owners to give them a reason to visit your website. Owners of practically any type of business will find several articles on Customer Relationship Management which will guide them into a more successful business along with many other articles to improve not only relationships with customers but with employees as well. Using the articles in the Business and Finance category will give you the edge you need to build your business into a successful income with proven methods of others.
Legal articles may be just what you are searching for if you need answers to questions regarding debt collection, injury compensation laws, or divorce. Within this category, you will find experts in the field including attorneys that have written these articles to aid others in all kinds of legal related questions from finding a good attorney to how to write a living will. Not only will you have your questions answered through the articles in this category but also you will learn about such topics as identity theft and how to avoid someone stealing your information.
About the Author
Health articles whether for your own knowledge, research, or to use on your website or even a newsletter can be found with just a click of a button. You will enjoy finding various topics such as "Living with a Latex Allergy", "Atkins Diet", and "Hair loss" to name just a few. With these health articles you will be able to find so much information regarding on the newest diets, how to protect your children against common ailments, and even personal care information. We all know that our health is very important and learning all we can regarding harmful effects of prescription drugs or how to avoid contagious diseases, will give you the armor you need to fight these problems on the battlefield where they begin.
Business and Finance is a very large subject that has many opportunities to build your own website or to give you insightful information that will help you start your own business or give you the resources you need for financing your home loan. Articles regarding bankruptcy, mortgage loans, refinance loans; first time homebuyer loans and more will give you everything you need to know how to improve your credit in order to receive a loan. Not only this, but you can find enough articles on businesses that you can create an entire website for business owners to give them a reason to visit your website. Owners of practically any type of business will find several articles on Customer Relationship Management which will guide them into a more successful business along with many other articles to improve not only relationships with customers but with employees as well. Using the articles in the Business and Finance category will give you the edge you need to build your business into a successful income with proven methods of others.
Legal articles may be just what you are searching for if you need answers to questions regarding debt collection, injury compensation laws, or divorce. Within this category, you will find experts in the field including attorneys that have written these articles to aid others in all kinds of legal related questions from finding a good attorney to how to write a living will. Not only will you have your questions answered through the articles in this category but also you will learn about such topics as identity theft and how to avoid someone stealing your information.
About the Author
Health articles, Business and finance articles, and many other topics to choose from.
Bill Consolidation, A Way Out
By Nancy Smith
This New Year has shown that people are starting to care about their financial lives. It's not that they did not care at all. It's just that people seemed very quiet about their current state of affairs. People think of debt matters as a day-to-day routine, but it is not. Although debt it is a common problem nowadays, it is not normal; and people should not be so unruffled about it. Debt is just like a disease, and it can be cured. But if you, as the debtor, do not pay attention to it, it can also be devastating and will surely put you in such a difficult position that you will no longer have a way out or a cure at all.
Bill Consolidation is a great way to start freeing yourself from debt, but even if the program is as great as bill consolidation, is the debtor the one that makes the decision to start freeing himself from debt. Bill Consolidation is just a way out, but if the person is not committed to this task, the program will not make much difference on the debtor's current situation.
Though Bill Consolidation can help people avoid debt, sometimes debt it is inevitable. It can be due to medical bills or because the person lost his/her job. There are many circumstances that can cause a person to fall into huge amounts of debt in a short period of time.
Samantha O'Donnell is one of our new clients. She entered the Bill Consolidation program because she wanted to stop her debts from increasing, and she knew that it was easier to apply for Bill Consolidation now than when the debts could be taken care of instead of filing for bankruptcy.
Samantha O'Donnell: What possibilities does Bill Consolidation offer me?
Nancy Smith: You can always get a loan. Within the Bill Consolidation program, we recommend this course of action in order to pay off all the other loans. This way, you, as the debtor will end up with a reduced monthly payment. It would be easier to save some money and you will eventually be able to pay your debts off in no time. You can become debt free once again. However, there is a condition to apply for the loan: your credit score has got to be a high.
Bill consolidation offers a way out of debt. The program will assign you a professional counselor and a negotiator. This person will handle your debts and will also contact your creditors to request interest rates reductions, so that the monthly payment goes to the principal debt and not the interest rates as it happens with most personal debts. Bill consolidation intends to convert all of one person's debts into a single low monthly payment.
Samantha O'Donnell: What will the Bill Consolidation program do about the collection calls?
Nancy Smith: Collection agencies take into account that a debtor gets into a Bill Consolidation program because they can see the person is making an effort to settle his current state and that eventually the person will pay off his/her debts. This is good news for them. The counselor will first stop the collection letters and calls to free the person from the harassment these agencies tend to apply on current debtors. People need to know that when they apply for a bill consolidation program they will no longer be able to ask for any other kind of credit line; even if they qualify for it.
Samantha O'Donnell: I would like to learn how to keep myself out of debt.
Nancy Smith: Our bill consolidation program intends for the client to learn how to keep him-herself out debt. We, as bill consolidation experts, know how debt can destroy lives; and that is what our program mainly teaches: stop debt increase. People need to understand that if a debt is caught on time it can be dealt with in many ways. Bill Consolidation is just one of the many more we offer, which deals with a specific part of the debt.
It is up to the debtors to decide when to start using a Bill Consolidation program and which best suits their situation. Every option has its pros and cons to be weighed out to choose the best.
Here, we have different articles of interesting topics, current and former clients' experiences with our programs. Take a look at the different situations on debt related topics and how to keep yourself a debt free person. Check out the links below:
http://texasconsumercreditcounseling2.blogspot.com/
http://consumercreditcounselinghowto.blogspot.com/
About the Author
Nancy Smith is a contributing writer to http://www.bill-consolidation-and-debt-negotiation.com and is currently writing some special articles to guide business on how to manage debt and avoid bankruptcy. For Free Information on Bill Consolidation and Debt Help Consultation, call toll-free 1-877-850-3328
This New Year has shown that people are starting to care about their financial lives. It's not that they did not care at all. It's just that people seemed very quiet about their current state of affairs. People think of debt matters as a day-to-day routine, but it is not. Although debt it is a common problem nowadays, it is not normal; and people should not be so unruffled about it. Debt is just like a disease, and it can be cured. But if you, as the debtor, do not pay attention to it, it can also be devastating and will surely put you in such a difficult position that you will no longer have a way out or a cure at all.
Bill Consolidation is a great way to start freeing yourself from debt, but even if the program is as great as bill consolidation, is the debtor the one that makes the decision to start freeing himself from debt. Bill Consolidation is just a way out, but if the person is not committed to this task, the program will not make much difference on the debtor's current situation.
Though Bill Consolidation can help people avoid debt, sometimes debt it is inevitable. It can be due to medical bills or because the person lost his/her job. There are many circumstances that can cause a person to fall into huge amounts of debt in a short period of time.
Samantha O'Donnell is one of our new clients. She entered the Bill Consolidation program because she wanted to stop her debts from increasing, and she knew that it was easier to apply for Bill Consolidation now than when the debts could be taken care of instead of filing for bankruptcy.
Samantha O'Donnell: What possibilities does Bill Consolidation offer me?
Nancy Smith: You can always get a loan. Within the Bill Consolidation program, we recommend this course of action in order to pay off all the other loans. This way, you, as the debtor will end up with a reduced monthly payment. It would be easier to save some money and you will eventually be able to pay your debts off in no time. You can become debt free once again. However, there is a condition to apply for the loan: your credit score has got to be a high.
Bill consolidation offers a way out of debt. The program will assign you a professional counselor and a negotiator. This person will handle your debts and will also contact your creditors to request interest rates reductions, so that the monthly payment goes to the principal debt and not the interest rates as it happens with most personal debts. Bill consolidation intends to convert all of one person's debts into a single low monthly payment.
Samantha O'Donnell: What will the Bill Consolidation program do about the collection calls?
Nancy Smith: Collection agencies take into account that a debtor gets into a Bill Consolidation program because they can see the person is making an effort to settle his current state and that eventually the person will pay off his/her debts. This is good news for them. The counselor will first stop the collection letters and calls to free the person from the harassment these agencies tend to apply on current debtors. People need to know that when they apply for a bill consolidation program they will no longer be able to ask for any other kind of credit line; even if they qualify for it.
Samantha O'Donnell: I would like to learn how to keep myself out of debt.
Nancy Smith: Our bill consolidation program intends for the client to learn how to keep him-herself out debt. We, as bill consolidation experts, know how debt can destroy lives; and that is what our program mainly teaches: stop debt increase. People need to understand that if a debt is caught on time it can be dealt with in many ways. Bill Consolidation is just one of the many more we offer, which deals with a specific part of the debt.
It is up to the debtors to decide when to start using a Bill Consolidation program and which best suits their situation. Every option has its pros and cons to be weighed out to choose the best.
Here, we have different articles of interesting topics, current and former clients' experiences with our programs. Take a look at the different situations on debt related topics and how to keep yourself a debt free person. Check out the links below:
http://texasconsumercreditcounseling2.blogspot.com/
http://consumercreditcounselinghowto.blogspot.com/
About the Author
Nancy Smith is a contributing writer to http://www.bill-consolidation-and-debt-negotiation.com and is currently writing some special articles to guide business on how to manage debt and avoid bankruptcy. For Free Information on Bill Consolidation and Debt Help Consultation, call toll-free 1-877-850-3328
Friday, April 20, 2007
Debt Negotiation: Successfully Avoiding Bankruptcy
Publicity is one of the most influential factors on people's decisions. If your product is well promoted, it does not mean it has the best quality. The product itself can be standard and will be used by people anyway.
Debt negotiation is one of the most advertised services in the web. LOWER PAYMENT BY 45% - ENJOY A DEBT FREE LIFE IN LESS THAN 6 MONTHS - and so on and so forth. Ads are everywhere on the net, and they focus in attracting possible clients, not in the details. After someone hits on an ad, the rest lies on the hands of the online marketers or in some computerized automated service.
People need to learn more about the process itself, and if debt negotiation is the proper way to go. Self-teaching about the pros and cons of debt negotiation is a good first step. One of the first things to know is that the term "debt negotiation" is also known as debt arbitration or debt settlement. To begin with, a lender has little motivation to arbitrate anything less than the full amount of the debt unless the person is two to three months behind in payment. But remember that debt negotiation, a legal method as it is, fits the description of a last-resort measure. The truth of the matter is that debt negotiation is one step away from filing for bankruptcy. You have to consider that your lender gave you the money or property in good faith, so he or she has every right to expect that the loan be repaid in no less than full amount.
Even though you may want to repay the loan or debt in full, this is not always possible because you do not have the means - not now and not in the foreseeable future. This is where debt negotiation comes into play. It may be your only logical course of action and way out.
Katherine Cole applied for debt negotiation a few months ago seeking professional counseling due to the excessive debts. Elizabeth Laurent, professional counselor, took her case and worked with her in order to set up a payment plan to ensure the payment of the debts. Creditors will see that she is making and effort and will be more accessible to make deals.
Katherine Cole: Is debt negotiation bad?
Elizabeth Laurent: If you are delinquent, debt negotiation can be the best decision to make. Reach out for professional counseling on debt negotiation and let a team of negotiators give you advice on what to do and how to face you debt situation. They will certainly deal with your creditors and lighten your current situation.
Katherine Cole: Will debt negotiation affect my credit?
Elizabeth Laurent: Yes. Debt negotiation will show in credit reports; and as long as you stay in the debt negotiation program, you will not be able to apply for new loans or credit lines. You will have to stay away from any kind of credit services. On the other hand, once you finish paying off your debts and successfully leaving from the program your, credit score will start picking up as long as you keep yourself away from debt.
Katherine Cole: What will debt negotiation do for my current situation?
Elizabeth Laurent: After you apply for the debt negotiation process, you hand the control over to professional counselors called negotiators, who will first stop the collection process and will make it clear that any kind of communication between you, as the debtor, and creditors will go through the debt negotiation company. Later on, a negotiator will set up a repayment plan that you can handle. The main goal is to avoid your incurring more debt, and you are able to make your current payments. Creditors feel more confident when the debtor has applied for a debt negotiation program because this means the person is making an effort and is interested in paying off the debt. The negotiator will make a deal with each creditor in order to lower the monthly payment and most importantly, lower the interest charge.
Although debt negotiation is a great way to avoid bankruptcy and free yourself from delinquent debt, people have to consider that there are many debt relief solutions. It all depends on what type of debt you have and how bad it is. Take a look at curadebt.com and seek professional help.
We have different articles on interesting topics and current and former clients' experiences with our programs. Take a look at the different situations on Debt Negotiation and debt related topics that people can fall into and how to keep yourself a debt free person. Check these links to learn more:
http://debtsettlementcalifornia2.blogspot.com/
http://www.debt-negotiation-settlement.com
About the Author
Elizabeth Laurent is a contributing writer to http://www.debt-negotiation-settlement.com Is currently writing some special articles to guide business on how to manage debt and avoid bankruptcy. For Free Information on Debt Negotiation and Debt Help Consultation, call toll-free 1-877-850-3328
Debt negotiation is one of the most advertised services in the web. LOWER PAYMENT BY 45% - ENJOY A DEBT FREE LIFE IN LESS THAN 6 MONTHS - and so on and so forth. Ads are everywhere on the net, and they focus in attracting possible clients, not in the details. After someone hits on an ad, the rest lies on the hands of the online marketers or in some computerized automated service.
People need to learn more about the process itself, and if debt negotiation is the proper way to go. Self-teaching about the pros and cons of debt negotiation is a good first step. One of the first things to know is that the term "debt negotiation" is also known as debt arbitration or debt settlement. To begin with, a lender has little motivation to arbitrate anything less than the full amount of the debt unless the person is two to three months behind in payment. But remember that debt negotiation, a legal method as it is, fits the description of a last-resort measure. The truth of the matter is that debt negotiation is one step away from filing for bankruptcy. You have to consider that your lender gave you the money or property in good faith, so he or she has every right to expect that the loan be repaid in no less than full amount.
Even though you may want to repay the loan or debt in full, this is not always possible because you do not have the means - not now and not in the foreseeable future. This is where debt negotiation comes into play. It may be your only logical course of action and way out.
Katherine Cole applied for debt negotiation a few months ago seeking professional counseling due to the excessive debts. Elizabeth Laurent, professional counselor, took her case and worked with her in order to set up a payment plan to ensure the payment of the debts. Creditors will see that she is making and effort and will be more accessible to make deals.
Katherine Cole: Is debt negotiation bad?
Elizabeth Laurent: If you are delinquent, debt negotiation can be the best decision to make. Reach out for professional counseling on debt negotiation and let a team of negotiators give you advice on what to do and how to face you debt situation. They will certainly deal with your creditors and lighten your current situation.
Katherine Cole: Will debt negotiation affect my credit?
Elizabeth Laurent: Yes. Debt negotiation will show in credit reports; and as long as you stay in the debt negotiation program, you will not be able to apply for new loans or credit lines. You will have to stay away from any kind of credit services. On the other hand, once you finish paying off your debts and successfully leaving from the program your, credit score will start picking up as long as you keep yourself away from debt.
Katherine Cole: What will debt negotiation do for my current situation?
Elizabeth Laurent: After you apply for the debt negotiation process, you hand the control over to professional counselors called negotiators, who will first stop the collection process and will make it clear that any kind of communication between you, as the debtor, and creditors will go through the debt negotiation company. Later on, a negotiator will set up a repayment plan that you can handle. The main goal is to avoid your incurring more debt, and you are able to make your current payments. Creditors feel more confident when the debtor has applied for a debt negotiation program because this means the person is making an effort and is interested in paying off the debt. The negotiator will make a deal with each creditor in order to lower the monthly payment and most importantly, lower the interest charge.
Although debt negotiation is a great way to avoid bankruptcy and free yourself from delinquent debt, people have to consider that there are many debt relief solutions. It all depends on what type of debt you have and how bad it is. Take a look at curadebt.com and seek professional help.
We have different articles on interesting topics and current and former clients' experiences with our programs. Take a look at the different situations on Debt Negotiation and debt related topics that people can fall into and how to keep yourself a debt free person. Check these links to learn more:
http://debtsettlementcalifornia2.blogspot.com/
http://www.debt-negotiation-settlement.com
About the Author
Elizabeth Laurent is a contributing writer to http://www.debt-negotiation-settlement.com Is currently writing some special articles to guide business on how to manage debt and avoid bankruptcy. For Free Information on Debt Negotiation and Debt Help Consultation, call toll-free 1-877-850-3328
New York Consumer Credit Counseling Services
New York consumer credit counseling services is one of the most appealing, valuable and short-term solutions to anyone who wishes to secure a debt free future. These agencies also help you consolidate your debt, set up a repayment plan, and make arrangements to let you keep part of your income. The agencies also "teach" you to stay out of debt in future situations.
New York consumer credit counseling services is one of the most important requirements for consumers these days for unsecured debt continues to burden individuals and families. Unsecured conditions are mainly due to personal loans, unforeseen medical bills, huge credit card debts, and unplanned educational expenses.
The professionals at the New York consumer credit counseling programs will analyze your financial information including your income, expenses, existing debt, and general financial situation to outline a plan that can help you regain control of your financial life. By closely assessing your debt situation, they are able to determine the best debt consolidation solution and discuss the plan with you that would meet your needs.
- How does the New York Consumer Credit system work? - What people first need to know to better understand how the New York consumer credit process really operates is that counselors do not renegotiate the overall amount of your debt which is the total balance owed to the creditors. They negotiate with the various lenders to decrease your interest rates. I.e. let's say that a client has to pay 17 percent on the charge card you need help with (some stores still charge as much as 20 percent). One of our credit counselors will contact the card holder and negotiate a lower interest rate, sometimes as much as half the original rate.
- If I start paying right now through the New York Consumer credit program will I be debt free in no time? - It is not that easy because your minimum payments will still be split on an 80/20 split (not always), meaning that 80 percent of your monthly payment will still go toward paying interest on the card and the 20 percent left will got to the principal. We, as the New York consumer credit counseling team, advice people to try and make a little more than the minimum payment in order to reduce the principal. In the long run it will translate into lots of savings.
- Why does the creditor accept the deal proposed by the New York consumer credit counseling services? -
The deals made by the New York consumer credit team are accepted for two simple reasons: The creditor is only interested in getting his money back even if that means losing part of the interest charges. In the long run, the creditor will receive a lot of money due to the deal made by the New York consumer credit counseling team. But in order to keep debtors paying, the creditors need to agree to reduce interest charges and make considerable deals. The second reason is because the lender is making a profit out of this anyway; though not as good as he would have liked. What is important to him is to avoid debtors filing for bankruptcy because that will for sure affect the creditor. However, the person will certainly end up paying the debt but the deadline will be longer and that is what the lender tries to avoid.
The New York consumer credit counseling service has several extra services that can help the lender. One of those is the Housing Counseling, a service aimed at helping clients with issues concerning their housing needs. For instance, when a family considers borrowing money (applying for a loan) in order to start a new home, they can ask for assistance from the New York consumer credit counseling program and evaluate whether this is a financially sound action or not.
The New York consumer credit counseling program offers services beyond the Debt Management Program. It offers assistance with money management, debt reduction plans you can handle, counseling and free educational programs. Everyone can receive debt consolidation advice from the New York consumer credit team of counselors as they seek to educate people and give them the skills they need to achieve a better financial situation
Here we have different articles of interesting topics, current and former clients' experiences with our programs. Take a look at the different New York consumer credit situations on debt related topics and how to keep yourself a debt free person. Check out the links below:
http://texasconsumercreditcounseling2.blogspot.com/
http://consumercreditcounselinghowto.blogspot.com/
About the Author
New York consumer credit counseling services is one of the most important requirements for consumers these days for unsecured debt continues to burden individuals and families. Unsecured conditions are mainly due to personal loans, unforeseen medical bills, huge credit card debts, and unplanned educational expenses.
The professionals at the New York consumer credit counseling programs will analyze your financial information including your income, expenses, existing debt, and general financial situation to outline a plan that can help you regain control of your financial life. By closely assessing your debt situation, they are able to determine the best debt consolidation solution and discuss the plan with you that would meet your needs.
- How does the New York Consumer Credit system work? - What people first need to know to better understand how the New York consumer credit process really operates is that counselors do not renegotiate the overall amount of your debt which is the total balance owed to the creditors. They negotiate with the various lenders to decrease your interest rates. I.e. let's say that a client has to pay 17 percent on the charge card you need help with (some stores still charge as much as 20 percent). One of our credit counselors will contact the card holder and negotiate a lower interest rate, sometimes as much as half the original rate.
- If I start paying right now through the New York Consumer credit program will I be debt free in no time? - It is not that easy because your minimum payments will still be split on an 80/20 split (not always), meaning that 80 percent of your monthly payment will still go toward paying interest on the card and the 20 percent left will got to the principal. We, as the New York consumer credit counseling team, advice people to try and make a little more than the minimum payment in order to reduce the principal. In the long run it will translate into lots of savings.
- Why does the creditor accept the deal proposed by the New York consumer credit counseling services? -
The deals made by the New York consumer credit team are accepted for two simple reasons: The creditor is only interested in getting his money back even if that means losing part of the interest charges. In the long run, the creditor will receive a lot of money due to the deal made by the New York consumer credit counseling team. But in order to keep debtors paying, the creditors need to agree to reduce interest charges and make considerable deals. The second reason is because the lender is making a profit out of this anyway; though not as good as he would have liked. What is important to him is to avoid debtors filing for bankruptcy because that will for sure affect the creditor. However, the person will certainly end up paying the debt but the deadline will be longer and that is what the lender tries to avoid.
The New York consumer credit counseling service has several extra services that can help the lender. One of those is the Housing Counseling, a service aimed at helping clients with issues concerning their housing needs. For instance, when a family considers borrowing money (applying for a loan) in order to start a new home, they can ask for assistance from the New York consumer credit counseling program and evaluate whether this is a financially sound action or not.
The New York consumer credit counseling program offers services beyond the Debt Management Program. It offers assistance with money management, debt reduction plans you can handle, counseling and free educational programs. Everyone can receive debt consolidation advice from the New York consumer credit team of counselors as they seek to educate people and give them the skills they need to achieve a better financial situation
Here we have different articles of interesting topics, current and former clients' experiences with our programs. Take a look at the different New York consumer credit situations on debt related topics and how to keep yourself a debt free person. Check out the links below:
http://texasconsumercreditcounseling2.blogspot.com/
http://consumercreditcounselinghowto.blogspot.com/
About the Author
Nancy Smith is a contributing writer to http://www.bill-consolidation-and-debt-negotiation.com and is currently writing some special articles to guide business on how to manage debt and avoid bankruptcy. For Free Information on New York Consumer Credit and Debt Help Consultation, call toll-free 1-877-850-3328
Increasing Your AdSense Revenue Through Good Marketing
There are many ways to make money using ready to use web site templates which have been designed for use with the Google AdSense program, it is important to market your various web sites effectively in order to gain the most benefit from your campaign.
Without a savvy marketing campaign behind you it can be quite difficult for even the most powerful AdSense enabled web site to succeed and grow the traffic it will need to earn serious revenue from this program. Web site traffic is one of the most important parts of making money with AdSense, since it is this traffic that will help to power the click throughs and page impressions that will provide the bulk of your web site revenue.
One element of web site marketing that many web site owners underestimate is the power of keyword rich articles and quality content. These articles and other forms of content aid the web site owner in a number of powerful ways. For instance, the keyword rich articles found on your web site help tell Google which types of ads to serve on your site.
After all, if Google cannot properly categorize your site or tell what it is about, it will not know which ads are appropriate to serve on the site. In the event Google is unable to determine the subject of your web site it will serve public service ads instead of commercial ones. While these public service announcements can be a good idea, they do not pay any AdSense revenue, so it is important to give Google the information it needs to properly classify your site.
If your site is focused on helping people get a handle on their debt problems, adding a number of quality articles aimed at helping consumers will allow Google to properly determine what your web site is all about. This web site content will also help Google host the appropriate ads, which in this case may include ads from debt relief services, bankruptcy attorneys and other such businesses. It is easy to see how this strategy is such an important way to market your web site and grow your AdSense revenue.
Savvy marketing is one of the cornerstones of earning AdSense revenues, and it is important to use a number of different strategies to market your web site most effectively. In addition to adding high quality content, it is a good idea to add a link to the URL as part of your email signature line. This simple strategy is often overlooked, but it can be a very powerful way to increase the visibility of your web site, and therefore increase your AdSense earnings.
Adding the URL of your web site to your email signature can help you in many ways, since every time your emails are forwarded your URL can be forwarded as well. Many web site owners who have used this simple strategy have reported excellent results from this easy to execute change.
Another way to increase the exposure and value of any AdSense enabled sites you own is to build those sites simply and easily using web site templates which have been specially designed to make the most of AdSense revenue. The formatting and placement of AdSense ad blocks can have a significant impact on earnings, and using these templates can help to provide a great deal more flexibility when using Google AdSense.
To learn more about this innovative and powerful new approach to increasing your AdSense earnings, check out the information found at http://www.adsensetemplates.com.
About the Author
Cody Moya writes about Article Marketing in his Free Courses on Internet Marketing. You can sign up for his freeCourses and get additional information at his website: http://FreeInternetMarketingCourses.com
Without a savvy marketing campaign behind you it can be quite difficult for even the most powerful AdSense enabled web site to succeed and grow the traffic it will need to earn serious revenue from this program. Web site traffic is one of the most important parts of making money with AdSense, since it is this traffic that will help to power the click throughs and page impressions that will provide the bulk of your web site revenue.
One element of web site marketing that many web site owners underestimate is the power of keyword rich articles and quality content. These articles and other forms of content aid the web site owner in a number of powerful ways. For instance, the keyword rich articles found on your web site help tell Google which types of ads to serve on your site.
After all, if Google cannot properly categorize your site or tell what it is about, it will not know which ads are appropriate to serve on the site. In the event Google is unable to determine the subject of your web site it will serve public service ads instead of commercial ones. While these public service announcements can be a good idea, they do not pay any AdSense revenue, so it is important to give Google the information it needs to properly classify your site.
If your site is focused on helping people get a handle on their debt problems, adding a number of quality articles aimed at helping consumers will allow Google to properly determine what your web site is all about. This web site content will also help Google host the appropriate ads, which in this case may include ads from debt relief services, bankruptcy attorneys and other such businesses. It is easy to see how this strategy is such an important way to market your web site and grow your AdSense revenue.
Savvy marketing is one of the cornerstones of earning AdSense revenues, and it is important to use a number of different strategies to market your web site most effectively. In addition to adding high quality content, it is a good idea to add a link to the URL as part of your email signature line. This simple strategy is often overlooked, but it can be a very powerful way to increase the visibility of your web site, and therefore increase your AdSense earnings.
Adding the URL of your web site to your email signature can help you in many ways, since every time your emails are forwarded your URL can be forwarded as well. Many web site owners who have used this simple strategy have reported excellent results from this easy to execute change.
Another way to increase the exposure and value of any AdSense enabled sites you own is to build those sites simply and easily using web site templates which have been specially designed to make the most of AdSense revenue. The formatting and placement of AdSense ad blocks can have a significant impact on earnings, and using these templates can help to provide a great deal more flexibility when using Google AdSense.
To learn more about this innovative and powerful new approach to increasing your AdSense earnings, check out the information found at http://www.adsensetemplates.com.
About the Author
Cody Moya writes about Article Marketing in his Free Courses on Internet Marketing. You can sign up for his freeCourses and get additional information at his website: http://FreeInternetMarketingCourses.com
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