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Sewer line replacement is something that no homeowner ever wants to go through because it usually means that something took place that prompted the replacement in the first place. It could be something as simple and mundane as a number of drains either draining slowly or being blocked up at the same time. It could also be something as serious as sewage backing up into the home.

Either way,sewer line replacement is not the type of thing that anyone wants to deal with,but when you start seeing the signs,you have to get with it & start making the right moves. Now,this may seem as though you’re shopping around for the better bargain & bang for your buck,but in reality,you are & that’s a good thing.

If you do a general search online for the cost you may incur when replacing your home’s sewer line,you will find dollar figures all over the map. Granted,most of them are in the four-figure range,but where in that range varies quite a bit. It’s bad enough that you have to deal with problems in your home’s plumbing,but the last thing you want to find out is that you paid too much for services rendered.

It may be good to know that when you’re “in the market” for this type of work,you might want to think about the various ways the process can take place:

Traditional Digging– This is the “old-school” method,and while it’s effective,it can really do a number on your yard & landscaping.

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Trenchless Replacement– This serves as a bit of an umbrella term describing the process by which you can replace a sewer line without the traditional use of a backhoe for digging.

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“Pipe within a Pipe”– Sometimes a resin can be introduced into your current sewer line,and when it hardens,a “pipe” is created that provides a new line. This does require you to have an intact pipe in the first place (trenchless).

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Pipe Bursting– If your sewer line has damage,the pipe bursting method may work best. This process allows a new line to be pulled through,breaking up & displacing the old pipe while it simultaneously sets the new line in (trenchless).

Each of these replacement methods serve as an option that may work for your home,but you won’t know that for sure unless you have someone take a look at your current state. A local,dependable plumber will be able to inspect your current sewer line with a fiber optic camera. This way,they can give you a pretty detailed look at where things stand with your sewer line & can advise you as to the best option for your home.

Sewer line replacement is the pits,but it’s good to know you have some options. Sure,the expense is something you can’t quite prepare yourself for,but knowing that a trusted local plumber with years of experience can bring you some peace of mind along the way is nice.

When you purchase a water heater,it normally has a straight dip tube. In case the water heater suddenly stops working,check whether the installation was changed in any manner. Before you automatically assume that you desire a new water heater,it can be worth it to explore a few possibilities which may address your problem. New hot water heaters have become cheaper every year,and they’re often able to heat water better than older models,which will help you save money over the span of the year.

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Your water heater needs to be inspected by an expert at least one time annually. Water Heaters are a crucial household appliance that supplies all your warm water requirements,from cooking to bathing. It’s thus important look at your water heater regularly and get in touch with a professional whenever the leakage occurs. If you own a completely new water heater and it’s attached to copper lines,check to find out whether any corrosion has occurred.

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Water heaters have turned into a necessity today. If you’ve noticed your water heater isn’t working as well as it should,locate a neighborhood gas water heater that could address the problem. You rely on the hot water heater in your house or business to manage your everyday needs.

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If debt is currently an issue in your life,debt consolidation really can save you from the stress of bills,debt collectors,and the nagging thoughts of foreclosure or even bankruptcy. Debt consolidation can drastically change your life within weeks,months,or years depending on your current debt situation. Consolidating your debts will allow you to live with peace of mind that you are taking care of your financial obligations while continuing to live a happy life.

Debt consolidation is taking all of your bills and fitting them into one monthly payment. Fitting all your bills into one payment also means one interest rate,which will limit the amount you pay out every month,saving you a lot of money in the long run. Debt consolidation also makes paying off multiple debts easier because the monthly payments can be lowered when you take away insane interest rates. The average debtor pays more interest every month than they do on the actual principal balance of their debt! Eliminating the sky-high interest rates is a good start to getting your debts paid,without going completely broke.

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Many people assume when they can’t pay the bills it’s time to just throw up their hands and consider drastic actions such as foreclosure,repossession and bankruptcy. While there are some extreme cases where bankruptcy would be the best option,foreclosure is almost always avoidable as is repossession. Banks,car dealerships,mortgage companies,and creditors don’t like to have to take back property or write off your debts,they would rather work with you on debt consolidation so that they can get back what they are owed and you can go on your way with your credit still in tact. Bankruptcy,repossession,and foreclosure are not easy outs when it comes to debts; in fact,they are choices that will continue to affect you for a long,long time. Consider debt consolidation before making any hasty decisions.

Debt consolidation on your own can be tricky,or downright impossible depending on your credit situation. Luckily,there are debt consolidation companies waiting to help people who are in over their head,just like you! Debt consolidation companies will take your credit report and any unreported debts that you can give them and work out a payment plan for you. These debt consolidation companies often contact each company and strike a deal to lower or get rid of the interest and even split the balance of the amount due. Obviously,lowering or getting rid of interest and part of each debt will limit what you spend each month,enabling you to actually pay the bill.

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What’s the catch with this type of debt consolidation? Well,there really isn’t one. Yes,this is a business and the consolidator does make money because while he takes away the interest that each company is charging,he will charge you interest or a percentage of what you owe. Doesn’t seem fair? It is! It works out better for you,because even though you are still paying interest it’s just one interest payment for all the debts you currently hold. So,instead of paying twenty seven percent to ten companies you’ll pay twenty percent to one company. So,you go from having multiple payments and interest rates to just one payment for all the bills and one interest rate. It works! If you follow the plan,and make your monthly payments debt consolidation will soon have your credit report looking much better than it does right now.

You may think that you have so much debt you cannot possibly afford to repay even on a debt consolidation plan. You’d be surprised what these companies can get done on your behalf. And,if your debt is that outstanding you can work through the process slowly,a few debts at a time. There is nothing wrong with the process taking a while,as long as you keep up with the process and intend to actually pay off your debts. Getting your credit where it should be does take time,but it’s worth it. Your credit is your buying power,and each payment you make gets you closer to having more of it.

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Worried that the companies you are dealing with won’t work with a debt consolidation company? You’d be surprised. Yes,the companies will loose a little bit of money compared to if you showed up with cash to repay the debt tomorrow,but in the long run it’s better for them to take a debt consolidation deal than not. Most companies figure they’d rather get a portion of your debt back and settle the deal than not get anything back at all. Getting seventy five percent of your debt back is more reasonable to them than to keep paying debt collectors to contact you and try to get the money back. All in all,any money is worth striking a deal over,and that is why a debt consolidation company can really get you where you need to be. They are professionals and they know how to get companies to agree to their terms.

Debt consolidation companies will usually work with you to get your debts paid off within a reasonable monthly payment. Each month you’ll make just one payment,reducing the time and stress of paying the bill,and each month you’ll be a step closer to financial freedom. Paying off your debts,through debt consolidation or otherwise will take a weight off your back that you may not even realize is there. No one wants to have unpaid debts,but sometimes life gets in the way and it happens. It happens to the best of us. But,don’t be too proud to consolidate those debts and get back on the right track. Open up your local phone book,or get online and find a debt consolidation service in your area. Contact a debt consolidator not with shame,but with pride,because you are stepping up to do the right thing.

Debt consolidation can be the right option for you if you are struggling with your debt payments or having trouble making your payments every month. As the term consolidation implies,it is actually combining or putting together all your debts from each credit card account or creditor into one,thus having to pay only a single bill each month instead of several payments. You can actually have lower payments each month once the balances are negotiated and combined. The catch is that you will extend your payments for a longer time period unless a portion of your debt is written off when the loan is consolidated. The payment period of course depends on the total amount of your debt,interest rate and several other factors.

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There are numerous debt consolidation services being offered online. But,is it a good idea to get a quote online? Some of them have flowery promises which seem too good to be true. Be careful as these types of offers are very tempting. Remember that all types of debts or anything owed demands payment in one way or the other. You can avoid falling into this trap by being sure you understand the terms of any debt relief program you are considering. Now,it is wise to have more than one debt consolidation agency to contact to get your debt consolidation quote. The reason behind it is for you to have options to choose from. In terms of online quotations,be careful how much information you need to give to get your quote. If the company asks for too much personal information,it is a very bad idea to get an online quote. Anyone reputable will have a toll free number you can call for more information. If not be very careful. If in doubt check the BBB to see if there are any complaints on file before you hand over personal information.

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There are several forms of debt consolidation. This includes credit counselling,debt relief attorneys specializing in debt negotiation and consolidation and debt consolidation loans amongst several other options. If you opt for a debt consolidation loan,the best place to start is with a debt consolidation quote. Keep in mind that this does not mean writing off your debt,debt negotiation is a separate process.

Whether or not it is a good idea to write off debt would depend on the situation you are in. You might be happy to get a lower interest on debt consolidation loan. However,a lower interest rate only implies that you will be paying your loan with different terms. Getting a loan is a good idea in a sense that you will be saving money or protecting what you already have stowed away by not using it to pay down your accumulated debts. Using your loan with a lower interest payment will help to get you out of debt much more quickly than if you do nothing. Another advantage of a debt consolidation plan is its simplicity. Instead of paying several creditors monthly you only need to pay a single debt each month. What’s good about it is you’ll be paying lower installment payments.

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The consequence of getting a debt consolidation quote is that you are actually paying more money in the long term when you opt for loan rather than negotiation and settlement. In comparing the total of money you will pay to your creditors in the long term,a loan may or may not be the best choice for you.

Another consideration in consolidating your debt is that you will be combining all your unsecured debts such as personal loans,credit card loans,medical loans,etc. and making them into a secured loan. The repercussion if you cannot make your payments such as when you encounter unexpected medical problems,accidents,or losing your job is that you will have to pay your debts even if you file for bankruptcy at a later date. In the case you used you home as collateral for the loan,you may even lose it if you default.

Residents of many of the area’s corporate housing complexes like The Streeter probably won’t be surprised to hear that Hubbard Inn has been closed for remodeling. Many residents of the area have recognized the Hubbard Inn’s iconic exterior for the last 8 years as it has been a popular spot along a heavily trafficked area. But after 8 years,it’s time for a change at the Hubbard Inn,and River North residents have a lot to look forward when all is said and done,despite the fact that there are plenty of great options for eating drinking in the area.

The owners of the building are still planning to maintain ownership of the sought after location,but have been very tight-lipped thus far about what is coming next to the storefront. Many rumors have pointed to late summer as when a new place would open to serve many of the area’s corporate housing tenants and tourists from all over the world.

Carmen Rossi,owner of Hubbard Inn,has kept it close to his chest about what he and his crew will do to revamp the iconic space and what new items will hit their menu,a marketing tactic that is sure to drum up lots of excitement and curiosity. When Hubbard Inn first opened in 2011,Rossi aimed to have a heavy Bohemian influence in both decor and food,and he even drew a lot of inspiration from Ernest Hemingway when he first started the business. Residents came for the cocktails but stayed for the great bar snacks and flatbread – something for everyone.

In addition to this exciting news,Carmen Rossi also announced that he will be opening up another Hubbard Inn later this year at Midway International Airport,just a few stops away from Downtown Chicago on the city’s Orange Line. Visitors to the city will get a taste of Hubbard Street before they even get into the city proper.

Debt has a funny way of sneaking up on you when aren’t expecting it,especially with the use of credit cards you will find if you don’t manage your money effectively you could be in big trouble.

It’s obviously not difficult to build up debt and to get out of this situation many people are using a 2nd mortgage debt consolidation as a way out. There are a couple of advantages to going this route.

A 2nd mortgage debt consolidation loan is when you will combine your payments into one. You will be able to take the money from your loan and use it to pay outstanding debts. You will want to look out for the best possible deal that you can find. It’s not something to rush into so it’s important to weight up all your options.

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The most you can borrow is 80% of the cost of your home,but you will probably not be needing a lot more than that because the main aim is to pay off your debts quickly for 2nd mortgage debt consolidation loans. You will take a second mortgage loan after your first mortgage. There are two ways you can go about doing this. A home equity line of credit or a fixed-rate home equity are both methods you can use for second mortgage debt consolidation.

If you take out a 2nd mortgage you will be paying a lower interest rate in most cases and this will generally help you in your month to month payments. This is a much faster way of paying off all your debts because your payments will be reduced.

The home equity line of credit (HELOC) is a lot more flexible and you can use it at anytime. The rate will tie up with the financial markets so this is something to keep your eye on. However,the fixed-rate will be more stable and if you need more discipline in your credit habits this would be the better option to take.

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The other factor which is worth noting is that your second mortgage is tax deductible and you will make huge savings in this way. If you start to fall behind with payments it will look bad on your credit report and this is something you don’t want to end up with. Some companies will help you with 2nd mortgage debt refinance,but this isn’t always the case. Make sure you do your homework and research different lenders before jumping into any form of 2nd mortgage debt consolidation.

Whenever you refinance,you’ll be able to consolidate your debts too. This indicates you’re merging all of your debts into just one financial debt. This creates an overview for you personally that’s easy to understand,since you’ll only have to write 1 check monthly from now on. By asking your loan provider to spread the loan over a lengthier time,you can decrease your month to month expenses by as a lot as a couple of hundred bucks. But since you can’t maintain on refinancing and spreading your loans more than but much more time numerous times more than,you are heading to have to promise your self to tighten the belt a bit.-

By John Sage Melbourne

The choice to contrary to the market should never be a knee jerk or instantaneous response. It calls for serious research of the market basics and afterwards further reflection of the monetary ramifications,such as the cost of possessions that you want to either purchase or cost that time as well as an insight into the time that the market is most likely to remain in its current state. Finally,you will certainly likewise require to determine what you are mosting likely to do if your very own forecasts to not right away end up being noticeable out there.

When the dominant inquiry out there becomes not “if” or “whether” the market is mosting likely to fall,but instead “when” as well as “by just how much”,it is time to begin seriously considering marketing. It is far better to offer very early as well as be incorrect than to offer to late as well as take the loss of the rest of the market. The downside of marketing very early is of course,you will certainly never take the complete rise of the market. You will certainly require to stand beyond the market as it continues to increase. To be able to exist a market safely,you will always require to leave earnings in the asset for the person that is purchasing from you,or necessarily,why would certainly they take the asset of your hands?

Adhere To John Sage Melbourne for a lot more expert building financial investment advice.

The issue is much less essential getting into the market near the bottom,but is absolutely still essential. It is extremely simple to purchase into a market that has fallen considerably,but still has either further falls or numerous years prior to it begins to recoup. On the other hand,at the extremely instantaneous that a market first falls down,there is frequently extremely lucrative acquiring chances available. This is where insight into the genuine value of the asset is vital. It is likewise where the art or flexibility enters play.

Nevertheless,worry is generally a more powerful aspect than greed,and so an first down turn is most likely to feed upon itself. Also those in monetary problem,who have high loanings versus there financial investments,are frequently required to offer their possessions.

The major difference in between state the share market as well as the building market is that this procedure can take place extremely quickly in the share market but can be a long,drawn out as well as unpleasant extended period in the building market.

To find out more regarding developing your wide range way of thinking,go to John Sage Melbourne right here.

When you are going through a debt relief program,you oftentimes use the notion of what life will be like after debt as your motivation. It is extremely difficult to control our debt – especially when we got so used to living beyond our means and spending through our credit cards. That shining light at the end of the tunnel serves as our encouragement to push further and achieve the debt relief that we set out to accomplish.

But what happens when we get there? You will rarely come across an article that will discuss what you need to do after you complete a program. Well here is where this article can help.

The scenario after you finish a debt relief program will depend on the type that you chose to enroll in. While they vary,the general idea remains the same. Here are the things that you need to work on after the successful completion of a debt relief program.

Confirm with your Creditors that you are Debt Free

One of the first things that you need to do is to confirm your new status. This is really something that you should be proud of – being free from debt. Request for a letter from your creditor to confirm that your debt is completely repaid. Check your credit report and see if your new status is already reflected on it.

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Fix your Credit Score

When you get a copy of your credit report,you will see just how much damage had been done by your debts. All forms of debt relief will affect your credit score so this is one of the things that you need to work on. If you want to recover completely you need to fix your credit ranking so you can get financial aid in the future – at least when the need arises. Bankruptcy has the worst effect so if you just completed this process,you have a long way ahead of you.

Revise your Budget Plan

Throughout your debt relief efforts,you should be constantly monitoring your budget plan to see if you are staying true to what you planned to do. When you finish paying off your debts,you need to revise your plan to make sure it suits your new financial standing.

Create a Spending Plan

When you have your budget plan,your next concern is your spending plan. One of your focus at this point is to stay free from debt. To accomplish this,you need to monitor where your money goes to – thus the need to plan your spending. This is actually something that you can include in your budget plan or create separately. The important thing is to know how much you have extra for your entertainment and fun-related expenses. That is usually where we overspend so best to indicate the limit to avoid it.

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Grow your Emergency Fund

Divert your debt fund into your emergency fund so you can grow your savings. If you have more than enough,you can start saving up for a huge purchase. That way,you don’t have to acquire debts to buy something that you want. Not only that,you will be ready for any sudden occurrences that will require a big amount. That may be a sudden illness or accident that you have to pay for. You don’t have to borrow money to pay for any emergencies.

Congratulate Yourself

Lastly,congratulate yourself. When you have gotten rid of your debts,everything is an uphill climb. You should take advantage of that to enjoy and rebuild your life. Give yourself a treat but do not overspend! Make sure you pay for that congratulatory gift in cash.

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The average American household has over $15,000 of credit card debt. Many of these families are struggling to make the minimum monthly payments,and some are using plastic to cover daily living expenses such as groceries,transportation costs,and medical co-pays. Despite improving economic conditions,more and more credit card users are receiving phone calls and letters from creditors that their payments are past due.

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If you have too much debt and stress,now is the time to stop this destructive cycle and get the help you need from a debt reduction program. This article teaches you the principles of debt settlement,one of the most popular forms of debt relief.

What is debt settlement?

Debt settlement–also known as debt arbitration,debt negotiation,or credit settlement–is a debt relief approach where negotiators communicate with creditors on your behalf to settle your debts to reduced and agreed-to amounts. Only unsecured debt-credit cards,medical bills,and personal loans-can be negotiated. You cannot settle mortgages,rent,utility bills,cell phone and cable charges,insurance premiums,car loans,student loans,alimony,child support,taxes,or criminal fines.

Once you enroll in a debt settlement program,your negotiation team opens a trust account for you. You must deposit up to 50% of your unsecured debt into the account over a period of 24-60 months. This money is used to settle your debts with creditors. Because the average debt settlement firm is for-profit,you must also pay the company a 15-25% service charge. This fee is based on the original amount of your unsecured debt or the amount negotiated,depending on the debt settlement company.

Most debt arbitration companies use a third-party escrow service to “warehouse” the money that they will later use to fund the settlements they negotiate for you. The most common escrow company is Global Client Solutions. Sending money to your trust account is generally done through ACH on the same day each month. If your checking account is with a bank where you also have a past-due loan or credit card balance,it is suggested that you use a different bank for your debt settlement program.

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Here are three things that a debt arbitration company must tell you before you enroll in their program:

1. You must be given an “upfront estimate” in writing of all costs associated with settling your debts to reduced and agreed-to amounts.

2. You must be given an “estimated timeframe” to reduce your debt.

3. You must be told that debt settlement can adversely affect your credit score.

Here are some examples of what a debt settlement company cannot tell you:

“We can eliminate 50-70% of your debt.”

“We can settle your debt to pennies on the dollar.”

“We can cut your debt in half.”

“Debt settlement will not affect your credit score.”

“Calls and letters from creditors will stop once you enroll in a debt settlement program.”

“Debt settlement does not affect your taxable income.”

“Once you join a debt settlement program,you will no longer have to communicate with your creditors.”

If you are considering debt settlement,here is what you need to know first:

1. Debt settlement will not solve your careless spending and savings habits. The only way that you will ever achieve lasting financial freedom is to apply the dynamic laws of financial recovery to your everyday life. These smart-money principles will help you to establish spending and savings habits that are built on solid bedrock. They are discussed in a separate article entitled “The Dynamic Laws of a Successful Financial Makeover.”

2. Debt settlement should not be confused with bill consolidation,another form of debt reduction. Bill consolidation-also known as interest-rate arbitration-takes your high-interest credit cards and loans and consolidates them into one,low-interest loan that you can afford. In other words,you’re taking out one loan to pay off many others. Bill consolidation does not reduce the outstanding balances that you owe to creditors. It only lowers your interest rates.

3. One of the primary reasons that people choose debt arbitration is to avoid filing for bankruptcy protection. Here are five reasons why the consequences of bankruptcy can be overwhelming:

Bankruptcy stays on your credit report for 10 years and adversely affects your credit score.

Bankruptcy will follow you for the rest of your life. For example,many loan,credit card,and job applications ask if you have ever filed for bankruptcy protection.

Bankruptcy cannot eliminate alimony and child support obligations as well as criminal fines.

Except in very limited circumstances,bankruptcy cannot wipe out student loans.

Bankruptcy cannot prevent a “secured creditor” from repossessing property. According to Nolo.com: “A bankruptcy discharge eliminates debts,but it does not eliminate liens. So,if you have a secured debt (a debt where the creditor has a lien on your property and can repossess it if you don’t pay the debt),bankruptcy can eliminate the debt,but it does not prevent the creditor from repossessing the property.”

4. If your unsecured debt is $10,000 or more,debt arbitration could save you more time and money than bill consolidation. Here is why: With debt settlement,your unsecured debt is reduced by up to 50% and you will not have to pay added interest on the remaining balance. This is not the case with bill consolidation,where is there is only a reduction in interest rates. As a result,a debt settlement program can have a shorter repayment term than a bill consolidation one.

5. There is no public record that you have ever settled your debts.

6. With debt arbitration,reduced balances appear as “paid in full” or “paid as settled” on your credit report.

7. Debt settlement adversely affects your credit score.

8. Never let a debt settlement company pressure into joining their program.

9. Don’t hire a company that has no interest in your specific financial needs.

10. Before you enroll in a debt negotiation program,review your budget carefully and make sure that you can afford the monthly payments. Don’t be surprised if you have to eliminate certain nonessential expenses.

11. During the debt settlement process,calls and letters from creditors might continue. Enrolling in a debt settlement program does not automatically stop “lawful collection activities.”

12. Debt arbitration can be a gamble because some creditors might refuse to negotiate. In such cases,you are responsible for paying the outstanding balance on the creditor’s terms.

13. As we mentioned above,only unsecured debts such as credit cards and personal loans can be negotiated to reduced amounts. You cannot settle mortgages,rent,utilities,cell phone and cable bills,insurance premiums,car and student loans,alimony,child support,taxes,or criminal fines.

14. You might suffer tax consequences. For example,if you owe $25,000 and settle for $15,000,the $10,000 difference is considered taxable income. The creditor must send you a 1099-MISC reporting a “discharge of indebtedness income.”

15. A debt settlement company cannot represent you in court unless it is also a law firm.

16. Debt arbitration cannot prevent the foreclosure of your house or the repossession of your car.

17. Despite warnings from the Federal Trade Commission (FTC),some debt settlement companies still engage in unfair business practices. The Federal Trade Commission advises: “Before you enroll in a debt settlement program,do your homework. You’re making a big decision that involves spending a lot of your money that could go toward paying down your debt. Enter the name of the company name with the word ‘complaints’ into a search engine. Read what others have said about the companies you’re considering,including whether they are involved in a lawsuit with any state or federal regulators for engaging in deceptive or unfair practices.”

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Here are some factors to consider when choosing a debt settlement company:

1. How long has the company been in business? How much consumer and business debt does the company manage each year? How many individuals,families,and businesses does the company counsel each year?

2. Are you assigned to an experienced financial counselor to ensure that your debt settlement program flows smoothly from start to finish?

3. Is the debt arbitration company a member of the Online Business Bureau as well as their local BBB? What are their ratings with both bureaus? What kinds of complaints have been made about their services?

4. Is the company an active member of TASC,(The Association of Settlement Companies). TASC requires that all of its members maintain a stringent set of standards in doing business with consumers and businesses.

5. Is the debt arbitration company a member of Dun & Bradstreet,the world’s source authority for business insight?

If you love the game of football,then you probably have one or two items from your favorite player and or team. There are many variations of “sports memorabilia”. Inevery collectible store that you go into,you will see racks of jerseys,autographed footballs,and signed portraits. Some you will find for a low price and then there are signed items that can cost a bit more. If you are an avid collector you are probably in search of the more high-end items that are signed and possibly one of a kind.

The top five autographed memorabilia items include three football players. Eli Manning comes in first,beating out his brother Peyton Manning and Tom Brady. The top five teams also include three football teams. Number two is the New York Giants,followed by the Dallas Cowboys and the Green Bay Packers.

You may not be surprised to learn that jerseys make up almost a quarter of autographed sports items.

- is great to add to any collection. There are many ways to protect your items as well such as frames,glass boxes and more. When you have spent a lot of moneyon an object,you want to be able to preserve it for as long as possible.

Watch Out For Fakes

It’s great that so much high-quality sports memorabilia exists,but it’s worth being cautious because there are many counterfeits in the sports memorabilia world. In fact,the FBI states that close to half of what you will find in the United States when it comes to autographed memorabilia is counterfeit. In some categories,the total for fake products could be as high as 90%!

If you are a huge football fan,you definitely have a huge market of items to choose from. Just remember,to be careful and verify that the item you are buying is the real deal.

A lot of us these days are thinking of getting into the debt settlement (“DS”) business but we still do not know what the underwriting guidelines are for enrolling a qualified client into a DS program. When talking about underwriting a DS client,we are not thinking about how to qualify a client for a new loan or revolving line of credit. Instead,we are just reviewing the client’s overall financial situation to see if the client can make the necessary monthly payments into the client savings account each month during the term of the DS program. Therefore,when applying DS underwriting guidelines,we are not talking about a maximum DTI (debt to income) ratio at all. Instead it’s just a bit of common sense that is being used when underwriting a potential DS client.

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There’s three unspoken underwriting guidelines for a debt settlement program. Read on,we list them below:

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1. You will need to figure out the maximum term for the DS program. For example,the maximum term may be 30 months for total debts in the sum of $12,500 to $20,000 whereas some back-end DS companies will allow the program to be as long as 48 months for debts totaling more than $30,000.
2. Most DS companies have minimum debt amounts and minimum monthly contributions. Minimum debt may be from $7,500 to $10,000 at most DSCs while no individual unsecured debt will be accepted below $500.
3. Clients must have a job or some source of monthly income that shows that they can make the monthly payment to build up funds for the settlements with the creditors. One back-end DS company that we recently contacted required all clients to be able to provide a minimum of $275.00 per month in the client savings account.-