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Does Becoming a Published Author Enhance a Business?
There is a boom occurring lately, especially in the online world. More and more business people are authoring their own print book and e-books. These materials can run the gamut from information books to personal life stories, as well as coaching...
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Drowning in Debt? Tips and Tricks for Getting Out of Hot Water with Creditors
Do you, like millions of other Americans, feel like you’re sinking in an ocean of credit card debt? Well, fear not--there are many options for reducing your debt way before you have to be concerned about receiving notices or daunting telephone calls from debt collectors. The important thing to remember is to be proactive in handling your credit card debt. Unmanaged debt can ultimately lead to lawsuits, loss of property, and tarnished credit reports.
Here are a few ideas for managing and/or reducing your debt:
· Get in touch with creditors right away. Often times, creditors will reduce credit card interest rates if you simply ask for a break. Explain your situation, and let creditors know if you’re having trouble meeting your minimum monthly obligation. Many creditors will work with you to arrange a customized payment plan.
·Develop a budget. While many people dread this very important step in reducing debt, it can be extremely important in taking control of your financial situation. Compare and contrast fixed expenses—mortgage payments, rent, car payments, and insurance premiums, for example--with variable expenses, such as entertainment and recreation. List all your expenses, even those that seem unimportant. This is an important step in determining your spending patterns, prioritizing expenses, and determining whether or not you have additional money to contribute to the monthly payments on your credit card.
· Consolidate, consolidate, consolidate. While debt consolidation is a sometimes daunting and drastic step, it can be an important move in the quest to reduce your credit card debt. If you’re a homeowner, consider a second mortgage or
a home equity loan to pay off high-interest rate debt. While these loans often require you to list your home as collateral, remember that if you start skipping out on credit card payments, you could easily lose your home. What’s more, these loans provide tax advantages that are not available with many kinds of credit.
· Go to counseling. Credit counseling, that is. Many credit counseling organizations will help you come up with a feasible solution for ridding yourself of debt. You can find credit counselors on the Internet, and many credit unions, universities and military bases provide credit counseling programs. Also, get in touch with your bank, friends, and/or family for a recommendation.
Some of the services credit counselors provide: Advice on how to manage your debt, assistance in developing a budget, and classes and workshops that are geared towards teaching consumers about money management, credit card debt, and budgeting. Counselors can also recommend a debt management plan (DMP), which allows you to make monthly deposits to the specific counseling organization that you’re working with. Your counselor will then develop a payment schedule with your creditors that includes lower interest rates or waives certain fees.
For more suggestions and information on how to manage your credit card debt, please visit http://www.informedcredit.com
About the Author
Beth West has an extensive background in marketing and public relations, including management positions in the hospitality and software industries. Currently serving as the Director of Marketing for InformedCredit.com, she is also hoping to launch a freelance writing business.
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PR.com: Directory of Businesses Jobs Press Releases Products ... |
Comprehensive Directory of Businesses, Jobs, Products, Services, Press Releases, News, & Articles in all Industries. Promote your business. FREE. |
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PR Newswire - news distribution, targeting and monitoring |
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PR Week Magazine |
News and features about the public relations industry, with links to US, UK, Asian, and German editions. |
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Public relations - Wikipedia, the free encyclopedia |
Public relations (PR) is the art of managing communication between an organization and its ... PR historians say the first PR firm, the Publicity Bureau, ... |
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Puerto Rico - Wikipedia, the free encyclopedia |
Hyperlinked encyclopedia article covers the country's history, government and politics, geography, economy, demographics, language and culture. |
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The Public Relations Society of America (PRSA) |
Largest professional organization of public relations specialists representing business, consulting firms, government, associations, schools, ... |
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CIA - The World Factbook -- Puerto Rico |
Profile of Puerto Rico by the Central Intelligence Agency (CIA). |
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Center for Media and Democracy - Publishers of PR Watch |
A nonprofit, public interest organization dedicated to investigative reporting on the public relations industry. |
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Puerto Rico Vacations | Puerto Rico Tourism Company | Puerto Rico ... |
Puerto Rico Tourism Company Official site includes nightlife, area sports, culture, and travel information. |
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PR: See what people are saying right now on Technorati |
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Edelman |
Full service global public relations firm. Includes company profile, management team, practice areas, industries served, case histories, client listings, ... |
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LEWIS PR - global public relations |
LEWIS PR is a global public relations consultancy working with leading and emerging brands and delivering predictable results tied tightly to client goals. |
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IANA | .pr - Puerto Rico |
University of Puerto Rico Gauss Laboratory Facundo Bueso Building Office 265 ... Puerto Rico Email: tech@uprr.pr Voice: +787 765 3263 Fax: +787 754 0757 ... |
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Online Public Relations Home Page |
Free online resource for public relations professionals. |
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Chartered Institute of Public Relations, CIPR, the professional ... |
The CIPR is the professional body for the UK public relations industry, providing PR training and events, PR news and research, and a PR jobs board. |
www.ipr.org.uk |
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PR News Online — Trusted Source for Public Relations News, PR ... |
The latest news on public relations delivered FREE right to your inbox. ... Psycho-Geometrics Help You Know What 'Shape' Your PR Team's Personality Is In ... |
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O'Dwyer's Public Relations News - odwyerpr.com |
Features breaking news about the public relations industry, a database of PR firms, listing of PR service firms, client search tool and job postings. |
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PR News Online — Trusted Source for Public Relations News, PR ... |
E-letter. The latest news on public relations delivered FREE right to your inbox. ... Share ideas with your peers in PR News' just-launched Forum ... |
www.prandmarketing.com |
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Linux PR: |
Comprehensive Press Release and Public Relations resource for the Linux community. |
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Escape to Puerto Rico - Your Internet Guide to Puerto Rico |
Internet guide to everything Puerto Rico. Offers lots of photos, accommodations and travel information from around the Island. |
escape.topuertorico.com |
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