Dealing with debts can be difficult, especially when (like most people) you've got a whole host of other expenses to cover each month. So, if you are wanting to clear your debts - what could you do? Here, we take a look at how you could start clearing your debts in two steps. Create a budget The first thing you could do is create a budget - this is a simple task, but can help you to keep on top of your finances and remain in control...more
Many individuals are carrying multiple debts which result to multiple payments a month. This also means that they are handling several interests coming from different debt. Piling up the interests, these individuals really are paying a lot higher making debt reduction far more impossible. That is why many can really no longer afford to pay with such big interests when put together. A lot are getting depressed while a few really have given up the...more
Today it is becoming more and more common for people to find themselves in financial trouble, with an ever-increasing amount of debt. There are many reasons for this, and it does not always mean the individual was irresponsible. Debt can be caused by loss of work, medical expenses, increased interest rates, higher costs of living and more. If you find yourself in this position, it can be hard to know what to do in order to get back on your feet again. In this article you will find different alternatives to bankruptcy, and what you can do today to start effectively managing your debt. Informal AgreementAn informal agreement, or family arrangement, is a personal agreement between you and your creditors. If you know you are not able to pay your debts, you can choose to write your individual creditors to see if you can work out a way to repay them without having to go through the courts. This type of agreement will also include a timetable for how to repay the debt. The only downside to this arrangement is that it is not legally binding, so the creditor may renege on its promises down the line and ask for the money in full. Debt Relief Orders (DRO)A DRO provides debt relief to certain...more
In December of 2007 the Department of Defense (DoD) issued its revised Standard Practice Identification System for Marking of US Military Property commonly referred to as mil std 130, applicable to all suppliers of items to the DoD. It had been estimated at one point that the military had lost over $2 billion because of inadequate inventory...more
The thought of having a portable audio player goes back many years ago, when the option then would be a pretty big cassette-tape-playing two-speaker sound system. Ultimately these devices became more compact and back in the late seventies a hand size cassette-tape audio player was made available. Today as electronics evolved along with the mp3...more
Can you relate to the following statement a client once shared with us: 'Getting working capital financing for my orders and contracts actually is harder than getting the order itself? '.Your firm has the order and contract, now you just need to fulfill it to complete the job and get paid of course. It is the working capital and cash flow that come out of those contracts and orders that will of course help you grow sales and profits.So how does purchase order financing and P.O. Factoring work in Canada? And is it actually available?! The answer to those two questions follows.Purchase order financing or factoring provides you with capital for the key elements of your business, i.e. Product purchases, payroll, and working capital to carry receivables. Most clients we meet in the purchase order finance area have what can only be describe as the best and worst of problems that is to say they have the order , they just don't have access to the capital to complete the order or project . You also don't want to strain your relationship with key suppliers, while at the same time you strive to deliver your product or service on an 'on time 'basis. Naturally your ability to accept...more
So, you no longer check your mail for fear of another past due notice. You no longer answer the phone because odds are it will just be another bill collector. You can't even make the minimum payments on your cards, and they won't...more
The motto is usually "Buy your corporate gifts at Lemondo - The professional gift." A second hand shop, the purchase of gifts. In this article we will look at how important procurement side, in order to operate a business, a gift...more
Having searched the internet for voice broadcasting or for auto dialer services odds are you have seen call fires website. Yes, they spend quite a lot of money on promotion and yes they are priced high in contrast to other vendors like PennyDials....more
The financial crisis of the past two years has hit many households where it hurts most - the wallet. Money has become tight and for an unfortunate many jobs have disappeared. Making ends meet these days has become a challenge. If your...more
The world of personal finances comes complete with an insurmountable number of decisions, strategies, and plans. To most people, it is also confusing, unknown, and scary. Unfortunately, in the real world, one cannot simply pull the...more
Dealing with debts can be difficult, especially when (like most people) you've got a whole host of other expenses to cover each month. So, if you are wanting to clear your debts - what could you do? Here, we take a look at how you could start...more