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Advertising And Generate New WebSite Traffic
Here's a simple way to use "No Results, No Pay" radio advertising and build traffic for your website.
Step #1 - Understanding "PI" - Per Inquiry Advertising.
Radio has a unique advertising format known as "PI" or per inquiry advertising.
...
Debt Management
Debt management. To be sure, the phrase has been in use for some time
now and the Federal Trade Commission reports that there is a fast growing area
of complaint involving the so-called Credit Management or Debt Management
industry. But...
Debt Management Advice
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...
What Is Credit Counseling?
If you are in trouble financially, you have probably heard the term “credit counseling,” but do you understand what it is? Oftentimes this term is used in the same sentence as debt negotiation or debt settlement, but actually, it’s a completely...
Why Men Lie and Women Cry
I've just finished reading a great book by Allan and Barbara Pease entitled "Why Men Lie and Women Cry". A true and humorous account of the differences between the sexes and full of practical ways to communicate effectively.
I've enjoyed the...
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Bankruptcy - the Last Resort
Definition
Bankruptcy is a legally declared inability or impairment of
ability of an individual or organization to pay their creditors.
A declared state of bankruptcy can be requested by creditors in
an effort to recoup a portion of what they are owed; however, in
the overwhelming majority of cases, the bankruptcy is initiated
by the bankrupt individual or organization.
Filing for bankruptcy is an extreme move, not a quick fix. It's
a long, painful process with a huge stigma, and you're unlikely
to be able to get any kind of credit for ten years afterwards.
Yet bankruptcies are on the rise. Out of ignorance or stupidity,
more and more people seem to be using bankruptcy as a first
option, instead of a last resort. Before you do it, make sure
you've considered every alternative.
Have You Reorganised Your Debt?
If you haven't tried debt consolidation or negotiation, you
really should. Yes, you'll have to pay back your debts
eventually, but surely that's better than bankruptcy, isn't it?
Debt consolidation loans enable you to combine all of your
monthly debt repayments into once easy to afford repayment.
Depending on the loan term that you choose, you can even reduce
your monthly repayments to give yourself extra spending money.
Sell Everything You Can
It's better to sell everything you own than it is to go into
bankruptcy. Move to a smaller house. Sell your cars and take the
bus. Take a good, hard look at your life, and realise that there
are very few true 'basics': you can do without almost
everything. Your house is probably full of quite valuable things
that you never use, so bite the bullet and get rid of them. In
short, subtract your debt payments from your income, and live
like someone who earns that much.
You are going to lose almost everything you own if you declare
bankruptcy, so you might
as well try to sell it yourself at a
better price and avoid the bankruptcy issue altogether.
Work More
If you can get extra hours, do it. Being bankrupt is such an
indignity that you should at least try going to your boss and
asking for a pay rise or promotion. After all, the worst they
can do is say no. They're going to find out about it anyway if
you declare bankruptcy, and they might wonder why you didn't
come and ask for their help. Also, if you're married and only
one of you works, try to get the other a job - you never know,
it might even be fun!
Use the Power of Threats
One of the best things to do when you're considering bankruptcy
is to write a letter to absolutely everyone you owe money to,
letting them know. Make it a very clear threat: "if I cannot
find a way of paying my debts then I will be forced to file for
bankruptcy". Most creditors would rather let you pay back a tiny
fraction of what you owe than have to try to get money out of a
bankrupt.
Know Your Local Laws
Bankruptcy laws vary enormously depending on where you are.
There are some places where you'll be forced to give up
everything you own to pay your creditors, some places where you
at least get to keep your house, and some where you can declare
yourself bankrupt and not even notice! Try to get a lawyer - you
might think that you can't afford one, but many will work 'pro
bono' (for free) for people who really need a lawyer but can't
pay.
About the author:
Original Source: Articles
Galore.com
Information supplied and written by Lee Asher of CyberTech SoftShop
Suppliers of the DeadEasy
Ebook Maker and Publishing Wizard.
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