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.

What is an insolvency practitioner?

As a licensed professional,an insolvency practitioners job is to help and support you through the caused by business insolvency. The staff at Antony Batty & Co,with their years of experience,understand how difficult and sensitive this time is. They can provide you with all the advice you need to help you through the various processes and procedures.

How Antony Batty can help

The actual role and duties of an insolvency practitioner varies depending on the exact nature of the situation. But basically,they will offer you a bespoke service to match your precise needs and issues.

Essentially,Antony Batty & Co will provide guidance and advice to both directors and stakeholders of any insolvent company. Plus,they will negotiate with any creditors as well as arrange for the valuation and disposal of the company assets. You can of course rest assured that all their work will be carried out in accordance with the Insolvency Act 1986.

This is why it is essential to engage with an insolvency practitioner as soon as possible,the laws on insolvency being so complex. Plus,the quicker that one is appointed,the sooner they can start to work for you. They are always there to help you to sort out the difficulties that your company faces.

The role of the insolvency practitioner

Basically,an insolvency practitioner is there to work on your behalf to see if there is any way to rescue your company whilst also bearing in mind the requirements of the people your company owes money to.

If it is not possible to keep the business operational,the insolvency practitioner will aim to:

* sell any assets from the company that is in trouble
* collect any money owed to the company
* settle any creditors’ claims
* after paying costs,distribute the money available

Once you have contacted an insolvency practitioner,you will instantly begin to see the benefits. You will not be shouldering the burden alone. Experienced practitioners,like Antony Batty & Co are well regarded and able to use their wealth of knowledge to assist you.

Trust is vital

Once you have accepted that your company is in financial difficulties,it is likely that times will very stressful and anxious. That is why it is vital that you can trust and rely on your insolvency practitioner. It is important that you can form a trusting and professional relationship with them,especially as you may be working with them over many months.

All insolvency practitioners have a code of conduct that knows the value of skills such as competence and integrity. However,you must feel comfortable with your choice before you appoint them,so do take the time to think about which one is best.

As fully licensed and authorised insolvency practitioners,you can be assured that [DCL]Antony Batty & Co will look to support your interests and concerns. We are a name that you can trust and rely on.

Act now!

With a free initial consultation,there is no reason to delay getting in talking with us. Call - now and see how,as your insolvency practitioner,we can help to make a difference for you and your company.

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.-

Do you want to install a fence gate? Are you looking for some tips to do it perfectly without professional help? If you are doing it for the first time,you might find it a bit complex. There is no doubt that the fence gate installation will demand time and effort. However,you are going to love the end result. Make sure that you are doing it right. Any mistake will result in improper installation and might not offer a lasting result. Yes,you will get step by step instruction in this article to make the installation easy.

Before installing a fence gate,you need to be sure about the place where you want to install the gate. Proper measurement is important to ensure a flawless installation and to avoid more effort. If you are doing it on your own,you need to be more careful. Make sure that space is enough for easy access to your vehicles. You can consider 10 feet wide. This will be ideal for many homes. You can also consider more or less size depending on your requirements.

As fence gates are considered a bit large,you need to use stronger materials to support the system. Also,make sure that you are using a specialized locking system and hinge to secure your fence gate and to allow easy access with effortless closing and opening.

In addition to the above,you will have to install larger posts at the gate and secure it with concrete. If you are using a wood fence gate,you can use four-inch round or square steel posts and secure it with more than two foot deeper footing to get the required support for your fence gate. When installing the gate next to your home,avoid attaching it to your building directly. If you do so,the damage in the post might cause expensive damage to your building.

From the above,you might have a little idea about the gates. Now we will come to the topic: how to install the gate. To help you out,followings are the step-by-step instruction.

Steps for Installing a Fence Gate

Step 1 –Dig the post hole a bit deeper into the ground. While doing so,separate the handles and then set aside the soil. Keep digging until you have made two holes with each 30″ deep.

Step 2 –While digging the hole,if an object such as rock and brick is encountered and you find it hard to remove with the hole digger,you can use an iron digging bar to loosen the object and to remove it.

Step 3 –When you will reach close to the desired depth,you can use the round end of your digging bar to compact the soil in the hole. Adjust it to get the final level.

Step 4 –Now you need to use the level to ensure the post is placed in the middle of both directions. It is important to get the required strength.

Step 5 –After placing the post,use soil to fill the hole to a few inches to hold the post strong. Just use the round end of your digging bar to level the soil.

Step 6 –The post will need more strength to ensure proper installation of the gate. Mix concrete with water in a wheelbarrow. While mixing,make sure that water is evenly spread on the mix. But avoid making it too wet.

Step 7 –Fill the post with the concrete evenly until 3 below grade. If required,you can use a piece of the scrap wood to level the concrete around the post. It will also help to remove air bubbles.

Step 8 –After setting the first post,you need to set the second post. It is important to take extra caution to ensure that the height of both posts is the same. For this,you can use a board to measure both posts.

Step 9 –Once the post becomes the plumb,you will need a scrap board in the same width as the finished gate. Use it a spacer to maintain the correct distance between the posts.

Step 10 –Predrill to attach the hinges to your gate. Similarly,predrill your posts to attach the hinges. For this,you will need large screws. Finally,attach your locking system.

Follow these simple steps for installing a fence gate. -You can take help of your family to make it easy and less time-consuming.

By John Sage Melbourne

A inkling can be relied on if it can be discussed.Inklings are your instinct,based on a mass of feelings and based on something not quite within the world of unbiased understanding.

There are 3 types of strategy or response to inklings.

Reaction one: Reject.

Many investors refuse inklings since no value at all. They will make a decision based on a chart or financial information,even when their instinct is telling them this is not.

Reaction two: Indiscriminate trust.

Hunches and instinct which is counted on to the exclusion of rational analysis can also cause catastrophes.

Reaction 3: Discriminating use.

The thought behind the instinct can be of excellent use. The obstacle is to recognize what is deserving of your attention.You can often understand something without knowing either that you actually understand that something or understand why you understand it. This can be the basis of lots of inklings and intuitions.

Minor Axiom XI Never puzzle a inkling with hope

Typically when you actually want some out come you can puzzle this hope with the inkling that it will all come good. Trust your instinct when it points to something that you do not want to occur.

Follow John Sage Melbourne for more expert property investment recommendations.

The 8 Major Axiom: On faith and the occult

It is not likely that god’s prepare for deep space includes making you abundantLeaning on the supernatural is on the exact same level as leaning on the illusion of the order of patterns in the turmoil of the marketplace.

Minor Axiom XII: If astrology worked,all astrologers would be abundant

While this axiom appears to choose on astrology,it actually uses to all who profess some supernatural and even above average insight to the future. Have they demonstrated their predictive ability as a group in their collective capability to get wealth themselves. If as a group,they are no more financially effective than the population as a entire,this gives you the response to their predictive capacity.Speculative strategyInstinct is the procedure of knowing something without knowing why you understand it. Put your intuitions to the test. Trust your instinct if you can explain it.

For additional information about developing your wealth frame of mind,see John Sage Melbourne here.

By John Sage Melbourne

As soon as money is devoted to an investment,so is psychological predisposition. Money at risk tends to amplify pre-existing predisposition. All successful investors know that they must preserve psychological balance and psychological self-control.

It’s difficult to keep our emotions in check,specifically when it concerns money. For most individuals,it takes a lot of work to earn it,discipline to keep it,and intelligence to invest it. It’s natural to feel highly about what takes place to our money.

To counter this tendency,preserve psychological balance. Bear in mind that prices are identified by the attitude of the majority of participants rather than necessarily the market itself,and certainly not in relationship to where the market is going to remain in the future.

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Markets are driven by crowd emotions

You require to learn how to act on well-founded beliefs,not prejudices.Those who have suffered some loss,not necessarily in relation to investment,however possibly due to a loss of work or other,is likely to be more careful. Those who have recently made some gains tend to end up being over confident. Neither person is being unbiased.

To find out more about establishing your wealth state of mind,check out John Sage Melbourne here.

This article covers the topic of the Environmental Phase 1 study. This is an important part of any land acquisition process,as without it,a purchaser could easily end up with buying land that is either totally unsuitable for development,or which could cost a lot of money to be made safe to use. In some cases,it is also feasible that the new owner could be pursued through the courts to make the land safe,even though they had nothing to do with the original pollution.

With this in mind,you’ll most definitely want to discover find out more about Stage 1 evaluations.

Listed below,you’ll discover a brief review of these evaluations and what they include.

Why Should You Have A Stage 1 Analysis Done?

As stated above,if you’re acquiring a building,you’re going to want to make certain that the land isn’t infected in any way.

Itis very important to be familiar with these issues in advance. Getting rid of any pollution can be very expensive,which is why you’ll desire to understand about them when entering into the purchase process.

Once you have had one of these surveys carried out,you will have a lot of data,which will either mean that all is OK,or will allow you to decide not to continue with purchasing the land,or to obtain more details about any possible contamination before going any further.

When you’re making a considerable acquisition such as this,you’ll desire to ensure you have as much info as feasible.

What Is Explored During This Phase 1 Process?

There are a number of areas checked out during this examination procedure. These evaluations require quite a bit of time,the land being checked out in its current state in some detail.

What Won’t Be Explored?

Phase 1 research involves a visual examination and an examination of a property’s history. In the majority of instances,sampling and screening won’t be a part of the examination.

If you are interested in the results of an examination like that,a Stage 2 examination may be a much better option for you.

If any type of issues take place during the Phase 1 procedure,it will be suggested that you obtain a Stage 2 investigation. If there aren’t any type of problems with the land,you’ll need to decide if you would want to continue the investigation and obtain even more information.

What Will Take Place After A Site Is Analyzed?

After the assessment,the researchers that are exploring the property will provide you with a report that discusses their conclusions. They may make specific recommendations in the report. If the report finds that there are no significant issues,after that the procedure might conclude at that point.

It’s common} for researchers to present you with a printed copy of their report as well as their recommendations. You’ll be able to look at this report by yourself,an you’ll additionally be able to save a digital copy of the report in your personal records.

Since you have a clearer picture of ecological Phase 1 research study and what it involves,you’ll have the ability to get ready for this procedure. You’ll have the ability to pay attention to suggestions when you receive your report,and you’ll be able to decide on the best way forward.

If you would like to know more about contaminated land checks,please see -