Debt negotiation and debt management/consolidation both help consumers pay off their debts through two different approaches. Each affects your credit score, payoff period, and taxes differently. Before choosing either options, be sure you understand the long term consequences of each debt management option.Influence On Credit ScoreDebt consolidation is better of the two when it comes to influencing your credit score. By consolidating your...more
Here's a phone interview tip worth considering: smile. A smile is a magic thing, and in addition to being seen in person it can be felt from a distance. When doing a phone interview, don't think that because the person on the other end of the phone can't see you that smiling and other positive body gestures are not important. The best interview tip that anyone was ever given was to smile and make positive gestures. In fact, many people talk...more
The best debt management gives you the most financial options. By making regular payments and having a low debt to income ratio, you can access credit when you choose. If you aren't in that situation, then ask for help from the variety of debt management companies out there. In the end you have to pick the plan that will best fit your unique financial needs.Pay Off DebtThe best way to maintain and improve your credit score is to pay off debts. Regular monthly payments make good habits and high credit scores. High interest credit cards should be tackled first, followed by other unsecured loans. Mortgages and student loans are considered "good" credit, and can be paid off last.Debt consolidation loans, through home equity or personal loans, can help make payments easier by reducing interest rates and lowering monthly payments. You can also transfer credit card balances to reduce rates.Get HelpIf you find making on time payments difficult, then it is time to get some help. Credit counseling can help you figure out a budget and saving plan. They can also educate you on financial services that could help, such as a debt management company.Debt management companies consolidate your...more
Debt negotiation companies that claim they can wipe your credit clean or guarantee they can reduce your debt are bad because they can't deliver. But reputable companies can negotiate with your creditors, often reducing your debt 10% to 50%. They can also help you rebuild your credit score by reducing debt and getting a handle on your monthly...more
Many people believe that once they file for bankruptcy they will have a difficult time getting a mortgage loan. However, there is still hope for being approved even with a recent bankruptcy. If you have bad credit and apply for a mortgage loan, more emphasis will be placed on your income your down payment.Most lenders prefer to wait until two years...more
As a business, non-profit, government agency or association manager, are you overly preoccupied with communications tactics like special events, broadcast plugs, press releases and brochures? Yes? Well then, you're probably not getting the best public relations has to offer, and you're missing the core PR mission you need to pull together the resources and action-planning required to alter individual perception leading to changed behaviors among your most important outside audiences. The plan helps a manager persuade those key folks to his or her way of thinking, then moves them to take actions that allow their department, group, division or subsidiary to succeed.How did you get into this pickle? In all probability, you ignored the underlying premise of public relations: People act on their own perception of the facts before them, which leads to predictable behaviors about which something can be done. When we create, change or reinforce that opinion by reaching, persuading and moving-to-desired-action the very people whose behaviors affect the organization the most, the public relations mission is usually accomplished.This is what such a premise can end up meaning to you: the right...more
Is there any good reason to do your own home inspection? How about to get a better deal. Every flaw you can find is a negotiating point. You don't have to learn building codes, and you probably should use a professional inspector in any case. The...more
Credit card debt can be reduced through lower rates or negotiating for reduced balances. With reduced interest, you can pay off the principal quicker with the same monthly payment. The other approach is debt settlement, which eliminates part of your...more
Secured loans make your creditors feel more secure about loaning you money. When someone takes out a secured loan, that simply means there is collateral to back up the money they borrowed. This could be a car, or more commonly, a house. There are...more
How to buy an apartment building? You could start with a look in the newspaper, a visit to a broker, or a search online - all good ways. Of course, since you're looking at the same properties as every other investor, it's not always easy to beat the...more
Finding a good lender to refinance your mortgage can be almost as important a decision as the actual mortgage you choose. In order to make a wise selection of a refinancing lender you should do four things:1. Know the objective of your mortgage...more
Cover letter writing is almost as important a skill for a job seeker to learn as resume writing. The cover letter accompanies the resume at all times as the primary support document. Whether you use traditional mail, email, faxing, or another type...more