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Collective of Concepts to Better Understand your Project Management [0727]
Collective of Concepts to Better Understand your Project Management [0727] 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....
The Critical Path for Extreme Project Management
The Extreme Project Manager (EPM) stays at a high level, and understands the big picture, at the same time being able to call the shots like a military commander. However, there are certain things, which can affect the general schedule, and the EPM...
Time Management against Time
Managing time is always easier said than done when you work long
hours. If you have a family, children, and other duties and
responsibilities, and work long hours, you know that time is of
essence. Since you have a heavy responsibility load, you...
Time Management Tips - How to Have a Filing System That Works
Recently I was working with a new client who had invested hundreds of dollars for a records management organisation to set up a filing system for his business.
The system looked impressive. The only problem was it didn't work! It had been...
Using PMS – The Productivity Management System™ to Discover What You Want in Business and in Life
“When I dream big, I see the possible, I discover potential, and realize that almost anything is within my reach. – Heidi Richards "The purpose of setting goals is to help us to focus our attention. The mind will not reach toward achievement until...
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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.
Associated Websites
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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