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Change Management Can Lead to Rigidity and Resistance to Change
"Today's successful business leaders will be those who are most
flexible of mind. An ability to embrace new ideas, routinely
challenge old ones, and live with paradox will be the effective
leader's premier trait. . . Leaders will have to guide...
Content Management: Wise Investment For Business Prosperity
The time when a website was just a simple set of HTML pages has gone by. It’s true, just five or seven years ago simple websites developed with HTML and JavaScript were usual. Nobody thought there could be another option. However, year by year,...
Keep Your Eye on the Overall Project Management Promises
Keep Your Eye on the Overall Project Management Promises
Publishing Guidelines: You may publish my article in your
newsletter, on your website or in your print publication
provided you include the resource box at the end. Notification
would...
Team Efforts in Time Management
Family and co-workers are a part of the team of people that you
should include in your time management plan. When you promote
confidence and motivation to your team, you are taking the first
step in making your plans work. Time Management is...
Why Asset Management Is A Vital Key To Your Future
Our home, car, property and credit lines are all assets. Proper asset management is a necessity for all of us. When we think of asset management ofttimes we forget that we need to protect our assets not only for ourselves but for our children as...
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Consolidating Debt? 5 Warning Signs Of A Shady Debt Consolidation Or Debt Management Company
Unfortunately, not all debt consolidation companies are
legitimate. To avoid the shady companies, educate yourself on
the debt consolidation process and watch out for these warning
signs.
Quote Unusually Low Monthly Payments
A debt consolidation company works with creditors to lower your
interest rates. Creditors have predetermined rates that they
will lower to, so every debt consolidation program will get you
the same rates. But since 2004, creditors no longer accept
reduced minimum monthly payments.
Companies who quote unusually low monthly payments are probably
giving you a low figure, which they will raise once you are in
the program. Instead of comparing monthly payments, request
information on their fees.
Demand All Debts Be Included
Companies who demand that all your debts be included in the debt
consolidation don't have your best interests in mind. Some
loans, such as credit union loans, are ineligible for lower
interest rates. And other types of credit, like student loans,
may already have a low interest rate.
However, by including all your bills in the monthly payment, the
company can charge you a higher fee for handling more accounts.
Before you enter a program, decide which accounts you want to
consolidate for lower rates.
Charge High Upfront Fees
The most common scam is to charge high upfront fees, up to
thousands of dollars, for services.
Sometimes companies will
promise to refund fees on completion of the program, but few
clients actually complete the program.
Legitimate non-profit companies charge a flat monthly fee for
each account handled. They are usually subsidized by financing
companies. For profit companies will charge a competitive fee
along with a flat monthly charge.
Offer Debt Settlement And Other Services
Be suspicious of those offering other services besides debt
consolidation. Debt settlement, credit repair, and other
programs are often just scams to take your money.
If you do need to make a debt settlement, you can save yourself
money by doing this yourself. You may also find that declaring
bankruptcy would be a better financial choice.
Request Account Numbers First
Be highly suspicious of any company that requests your account
numbers, social security number, or other personal information
before providing a quote. By providing this information, you
open yourself up to identify theft.
To receive an accurate quote, simply provide creditors' names,
balances, and interest rates.
About the author:
See my recommended Debt
Consolidation Companies online. Carrie Reeder is the owner
of ABC Loan
Guide, an informational website about various types of
loans.
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About Management - business management - people management - and more |
THE starting place for exploring MANAGEMENT; helping new managers get started and experienced managers get better. |
management.about.com |
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Management - Wikipedia, the free encyclopedia |
The phrase "management is what managers do" occurs widely, suggesting the difficulty of ... The management of a large organisation may have three levels: ... |
en.wikipedia.org |
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Free Management Library |
Quality Management · Research Methods · Risk Management · Sales · Social Entrepreneurship · Staffing · Starting an Organization · Strategic Planning ... |
www.managementhelp.org |
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Welcome to the American Management Association |
Helping business professionals learn practical management skills and the best practices of world class organization. |
www.amanet.org |
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Project Management Institute (PMI) - The largest project ... |
The organization of choice for project management professionalism. PMI establishes Project Management standards, provides seminars, educational programs and ... |
www.pmi.org |
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IT Project Management and IT Service Management Ideas and Analysis ... |
Datamation provides ideas and analysis for IT managers, featuring case studies and trend spotting reports on IT project and service management issues. |
itmanagement.earthweb.com |
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Management |
International review on management research. Peer-reviewed, occasional. Ejournal, with tables of content, abstracts and full articles available on-line. |
www.dmsp.dauphine.fr |
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Society for Human Resource Management |
Advances the human resource profession to ensure that HR is recognized as an essential partner in developing and executing organizational strategy. |
www.shrm.org |
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FEMA | Federal Emergency Management Agency |
Agency of the US government tasked with Disaster Mitigation, Preparedness, Response & Recovery planning. |
www.fema.gov |
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FT.com / Business Life |
Account Manager. Recruiter: Financial Times. Part Qualified Management Accountant. Recruiter: Robert Half Finance & Accounting ... |
www.ft.com |
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Small Business Management: Advice and Guides |
Online guide to small business management. Find articles, advice and how-to guides. |
www.entrepreneur.com |
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Academy of Management Online |
Academy of Management: This is the official web site of the Academy of Management, with information on membership, journals, list servers, web sites, ... |
www.aomonline.org |
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Business Management, Leadership and Decision Making Strategies and ... |
Provides business management articles, webcasts, online learning, and books as well as conferences focused on leadership and decision making. |
www.bettermanagement.com |
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Object Management Group |
Distributed object computing industry standards group founded in 1989. Defined standards include CORBA and IIOP. |
www.omg.org |
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Management Reading | Global Executive | Business | Economist.com |
The one management thinker every educated person should read Nov 17th 2005 ... The story of Emerson's successful management process is fascinating. ... |
www.economist.com |
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Emerald: Home |
Publisher of journals in management and library and information services, engineering, applied science and technology. |
www.emeraldinsight.com |
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Yale School of Management |
The mission of the Yale School of Management is to educate global leaders for business and society. We pride ourselves in providing a hard-edged business ... |
mba.yale.edu |
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US Office of Personnel Management |
Official Federal Government site listing positions nationwide for special agent, federal police officers and related jobs. |
www.usajobs.opm.gov |
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Waste Management |
Waste Management is the #1 Residential and Commercial Trash Service Provider. |
www.wm.com |
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US Office of Personnel Management |
Includes federal jobs listings, upcoming events, numerous humans resources reports, news releases and additional official information. |
www.opm.gov |
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