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Basic Management Skills
Recent studies have shown that industrial supervisors are working at less than 60 % of their potential. Basic management skills training is guaranteed to change all this and at such little cost Manager in context Most of my adult...
BENCHMARKING AND IMPROVING MANAGEMENT QUALITY
Summary By defining Management Quality as an organizational concept and applying established Quality methodology to the area of management, a great potential for improvement becomes apparent. This improvement translates directly to business results...
Effective Talent Management
When three leading magazines (Harvard Business Review, Business Week, and Training & Development) all have cover stories about talent management the same month, it is safe to say you are looking at a hot topic. Talent management (the recruiting,...
'Fixed Ratio' Money Management
Money management is the most important and overlooked subject in trading! In my opinion, the best money management system for Forex/Futures traders is outlined in great detail in Ryan Jones' book The Trading Game: Playing by the Numbers to...
Time Management and Money
I remember how intrigued I was when years ago, and long before I had heard of time management, I recognised the link between time and money - we say that we 'spend' both time and money, and also talk about 'saving' time and money. Moreover...
 
Debt Management Plans - How They Can Help You Get Out Of Debt

Debt management plans (DMP) consolidate your short term debts into one monthly payment. They also negotiate lower interest rates, enabling you to pay off your accounts usually in less than five years. Before you sign up with one of these companies, you want to investigate them to be sure they are legitimate.

Services Offered

A DMP company, also called debt consolidation, handles the accounting side of your bills. They work with your lenders to lower interest rates, pay your accounts, and then close accounts when appropriate.

DMP are for short term debt, like credit cards and bills. They cannot reduce student or mortgage rates. However, you can reduce rates on these types of loans by refinancing them on your own.

With a DBP company, all you do is make one payment to them and provide your financial information. Part of your monthly payment will include a small fee for each account handled by the debt consolidation company.

Questions To Ask

Before you submit your financial information to a DMP, investigate the company. One important question to ask is how long will it take to pay off your accounts. A reputable company will ask for lenders' names and account


balances, but not account numbers to make an estimate.

They will then give you a specific date for each account. Since you have varying account balances, each account will have a different date. You should also know that rates are predetermined by creditors, so all DMP companies will get you the same low rate.

You should also ask about fees. Most companies charge a small fee for each account handled. Companies that require a large fee up front that is refundable in part are banking on the fact that most people do not follow through with these plans.

Other Credit Services

If you are not sure debt consolidation is for you, sign up for credit counseling. Through an appointment over the phone, internet, or in-person, you can work with a counselor to come up with a financial plan for debt payment. They may suggest a DMP or consolidation your credit into one loan, usually a second mortgage.

About the author:

See my recommended Debt Management companies online. Carrie Reeder is the owner of ABC Loan Guide, which offers help with loans for people with low credit scores.

 

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International review on management research. Peer-reviewed, occasional. Ejournal, with tables of content, abstracts and full articles available on-line.
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Advances the human resource profession to ensure that HR is recognized as an essential partner in developing and executing organizational strategy.
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Agency of the US government tasked with Disaster Mitigation, Preparedness, Response & Recovery planning.
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