Free Bankruptcy Advice That is Real

Submitted By: Jenny Heart

The credit counseling industry represents a hotbed of activity from scammers. The truth of the matter is, there are nearly as many companies and individuals offering debt relief help as there are individuals trying to cope with spiraling debt.

While many credit counseling institutions are, in fact, legitimately offering help, there aren't always genuine intentions behind those convincing ads appealing to help you "get out of debt now!" There are many companies these days that claim they can provide consumers with free bankruptcy advice and other services geared toward miraculously wiping away their debt. Such claims are very tempting to those of us who are in dire financial straits- many indebted Americans, particularly those with full households to support, are sometimes in a fury to blindly "sign on the dotted line" and take these supposed credit counselors up on whatever immediate bailout they are offering. A legitimate credit counselor may perform some or all of the following tasks: help you prioritize your bills, contact lending institutions, create a reasonable budget for your household, and help you develop the money management skills that you need to get out, and stay out, of debt.

Here are some things that, in most cases, a real credit counselor won't do:

- Wipe away your debt completely - avoid any credit counseling company that claims to do this; it is simply too good to be true, and therefore it's not!

- Contact the borrower's lending institutions to negotiate a reduction - most companies that claim to provide this service don't really have that power.

People who claim to be credit counselors, whether they are offering tax debt relief or some other form of debt alleviation, who ask you up front for secure financial information such as account numbers should be a red flag to you if they do so without explaining what they plan to do with that information first. Before you sign on with a credit counselor, make sure they explain to you how their services work, especially when they are charging you a fee.

Monthly fees of $30 or more are red flags as well. If a credit counselor asks you for anything more than a $50 fee just for signing up with them, they are probably more interested in your money than helping you out of debt. If a counseling agency requests that you stop making your monthly payments to credit card companies or mortgage lenders, claiming they will make them for you, make sure they are doing just that, rather than just taking your money and creating even more debt in your name.

Whether you choose to go it alone or solicit the services of a credit counselor, understanding your options and who you can trust will bring you that much closer to eradicating that financial burden. Debt can certainly be scary and overwhelming, putting unnecessary strain on relationships and families. It makes people vulnerable to companies preying on their fears in an attempt to make a quick buck without actually rendering the services they advertise.

Published At: Isnare.com

Different Ways to Make Money From Climate Change

Submitted By: Daniel Schmidt

Whether you are an environmental activist, an at home green enthusiast, or simply looking for making money opportunities, then an interesting new way to do so is through climate change. This controversial topic creates quite a stir, both for those that believe it is important and for those that believe it is a farce. Therefore, some clever business people have come up with some ways of how to make money from climate change.

There are various ways to capitalize on this opportunity, and those will be discussed here. Some require a small investment of money and time, and others require a little more of both. It is definitely possible to start out small and build up to bigger and better results later.

The many ways of going green are increasing daily. There is info galore, and there are so many ways that even the average person can participate in making the environment safer and cleaner. Some of these methods are using solar energy, recycling, saving energy by making small changes in the house, waste reduction, and using natural cleaning and beauty products. Donating outgrown or unused clothing is another way. This also helps poor people clothe themselves and their families.

When looking at how to make money from climate change, it is important to look at how large of an area you wish to focus on. This can be one of the above areas, or several or all of them. One of the ways to focus and advertise the info is to offer instructions on how to begin to live green. This website could also offer facts about global warming and climate change. Google AdSense is one way in which you could advertise and mobilize your site to start to generate traffic and profits. Starting a blog with a comments section can start the money making process also. A blog can also be added to an existing website to further push its potential.

Commission Junction is a good place to look for affiliate programs that promote and sell products geared to living a green lifestyle. This means that you will sell the products without actually needing to keep them in stock or deliver them. Full information and reviews of these products can be placed on your website also. This information of course will include the ways in which the green stuff will help improve and protect the environment.

It is also possible to sell the physical green products themselves as well. This would involve finding a wholesaler or joining a company where you buy supply and then sell it at a higher price for profit. These are just a few ideas to get started in how to make money from climate change.

Searching the internet will generate plenty of other ideas and how to get started with them; you can also find other ways and tools to get going with the above mentioned scenarios. Profiting from and learning how to make money from climate change is a good business move and one that helps the environment also.

Published At: Isnare.com

‘Green-Hite & Associates’ Is The Best Bookkeeping and Tax Preparation Vancouver, WA

In the business world either an individual or company we are faced with a lot of things about the finances, both in starting a business, controlling and running the company, closing companies, etc. matters concerning taxation, bookkeeping, accounting, business valuation, loans, partnerships, and other financial terms of much needed and very important role in a company, but sometimes as many obstacles in the implementation, if you are the one who's confused or difficulties in handling of tax issues, bookkeeping, accounting, business valuation, lending and the other, then you do not have to wonder anymore because we have a solution for you. You just join it with us in the "Green-Hite & Associates". Green-Hite & Associates, Bookkeeping and Tax Preparation Vancouver, WA, provides services for: Taxes Starting at Only $ 69.00, Bookkeeping just $ 50 / hr, Accounting just $ 100 / hr, Dental CPAs (Accounting for Dentists and Health Professionals), Business Valuation (Lending , Divorce, Partnership Breakup, Sale), and others such as:
- Virtual CFO / Controller for Small Business
- Corporation / Startup / Tax / Accounting
- Oregon Political Finance / ORESTAR
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I am sure you will be satisfied with our service and results that we provide because we have experienced more than 10 years. We can help with your business and individual tax and accounting needs. We can handle virtually any accounting and income tax needs. No job is too small - or to big - for Green-Hite & Associates. If you interest and need more information, please visit our website! Click here Bookkeeping Vancouver Wa . And Join Us!

Are You Hurting From Credit Card Debt?

Submitted By: Bruno
Credit card debt can lead to personal finance disaster. If you're experiencing unsustainable habits right now, it is time to take action.
Have you been overspending lately and found yourself heavy on the credit debts? Are you having grave difficulty paying off credit interests without touching the principal credit amount? Past spending behavior may have lead you to hurt badly from credit card debt and the only way to alleviate the situation is to make a financial plan that allows you to clearly see how to slowly and cleverly pay off incurred credit.
Along the course of your paying off your debts, you must avoid the following situations below so you won’t hurt even more from credit card debts:
Choosing to close your credit card accounts – Although closing your credit card accounts may seem to be such a good idea because you are finally moving away from the temptation of overspending; this will never do good on your credit score. The moment you close any credit account, you will tell credit investors that you are no longer able to pay such services and lead you towards acquiring a bad credit score.
A good thing to do is to destroy your credit cards so you can’t use them but still keep the account open so you can still have a good credit score for future use.
Refrain from paying minimum credit amounts – Credit card companies have fared well in their business by lending people money and getting more out of it through minimum payment amounts and interests. Don’t let the interests and minimum payments take more money out of you. Instead pay a larger amount every month so you can cut back on interest, save more money, and finish off your credit debts earlier than necessary.
Don’t fall for debt consolidation loans – Although debt consolidation loans may be a tempting offer so you can solve your credit debts, this will never free you from your debts in the long run. Debt consolidation loans do remove you from your credit debts but then again, you are subjected to a lower interest loan that you are going to pay for a longer amount of time. Ultimately, the story is still the same so better steer clear from it so you won’t get stuck in debt.
Avoid debt elimination offers - Debt elimination offers are getting popular nowadays but you must at all cost avoid anything that goes by this principle for these are SCAM. If you think about it analytically, you can never eliminate any debt unless you pay it outright and people offer debt elimination programs will only get the money that you have and run away with it. So be careful and avoid debt elimination offers at all costs.
Paying off debts can be done when you have structured a concrete financial plan that smartly allows you to pay off the majority of debts while leaving you enough money for your daily needs. You should first consider spending only for the basic needs and allocate most of your income into paying off debts first so you can be freed from the credit interests that grows every time.

Published At: Isnare.com

How to Choose Insurance For Your Business

Submitted By: Chirag Singh

Why is Insurance Important for you and your Business
One of the biggest worries that any business owner has is about the liability that the business holds. In a world where change is the only thing that is definite it is important that your business is always prepared and protected. Insurance protects you against any damages that may occur in the future and safeguards your business against uncertainty. It is wiser to pay insurance premiums for public liability insurance than end up having to bear the damages, if such a situation arises.
It is important to know the kind of insurance that your company should have and also how much insurance you need. There is nothing worse that inadequate insurance. It means you bought and paid for insurance but not enough to help you out when you needed it.
Business Insurance
As a business owner you are responsible for insurance of your business, its belongings and also for your employees. It is important that you insure your business at the earliest and reduce liability. Business insurance will allow you to function effectively as a lot of your worries are put to rest. If your company owns cars then auto insurance or car insurance will protect it in case of collision, theft or damage. Contents insurance will also protect against loss or theft and protect your company from bearing the damages. Public liability insurance is also something you should consider for your business.
Employee Insurance
By providing your employees group insurance you send out a message that your company cares for its employees and their welfare. In a world where employees are willing to switch jobs with an offer to increase compensation, it is issues such as general insurance and medical insurance that keep employees committed to the company.
How to Buy Business Insurance?
The first thing to understand about insurance is that there are plenty of insurance companies that offer all kinds of insurance such business insurance and liability insurance, and they offer quotes that may vary. You need to compare quotes before you make up your mind. This also goes for any other kind of insurance such as auto insurance or medical insurance.
A quick online search for the cheapest quotes will give you a good idea of how much you would need to spend to insure your business and employees. You also need to keep in mind certain other issues such as the percentage of claims that an insurance company is known to settle and if it is financial stable. Speaking to a broker or insurance agency will give you a good idea of the top insurance companies. It is important that you don’t base your decisions to insure your business only on the basis of the cheapest quotes, it is important that the insurance company is financially sound and able to cover claims. It is vital that all insurers read the fine print before signing on the dotted line so that they know exactly what they are insured against and for how much.

Published At: Isnare.com

The Best Rubber Stamp Boutique For Your Business

In the business world we need a stamp as a sign and patents of a company, individual or government who running a business and have been registered legally, it could be a sign the authorization and the authority that issued a letter was legitimate and could be responsible.
If you want to make Ex libris (bookplate), sign the envelope or stationery, or stampel others to supporting efforts and your business, and if you are still confused to find the right place to make the best stampel and beautiful then you are lucky once due to arrived to the right place, because we have a best solution for you that is Dana & Maya, The Dana & Maya rubber stamp set is a lovely custom set made for you. This is a personal & exciting gift that will no doubt leave a mark. Have no doubt our rubber stamps are very qualified and reliable, I am sure you will be satisfied with the results that we provide. If you are interested and want to create or to order, please contact us immediately! And for more complete information please visit our website!

How to Use Feng Shui For Prosperity

Submitted By: James Brickman
From time immemorial, people have searched for happiness, harmony, love and wealth.
Using feng shui for prosperity allows us to use subtle energies to achieve prosperity in everything. This knowledge can help find love, strengthen relationships, find a vocation, climb the corporate ladder, gain wealth, improve health, and more.
The teaching involves the use of symbols (charms, amulets) for success. One of the most popular symbols of feng shui for prosperity is the vessels. A vessel represents unity and harmony, and stores your desires and aspirations. This bowl can be filled with any items. The main thing is that these objects symbolize what you want. You can have multiple vessels as well.
Try to choose a bowl made of metal (silver, gold, copper), or ceramic vases. The vessel should be squat and rounded. Also turn your attention to its neck: it needs to be broad, but not wider than the middle of the vase. It’s easy to get into such a vessel, but it’s hard to get out of it.
When you find a suitable container, consider what to fill it with. The stuffing is the main thing in this talisman. Fill the bowl to the brim, so as not to have gaps in what you want.
Three principal objects to consider include soil, Chinese coins, and regular money. Ask a successful and wealthy person for a handful of soil (e.g., soil from a plant vase), and pack the soil in a red bag. Obtain some Chinese coins with square holes in the middle, string nine coins on a thread and pack them into another red bag. Now, use real money in the amount of 988. For example, take 9 dollars and 88 cents. If finances allow, take 988 dollars. String these on a string and pack them into yet another red bag.
Start filling the bowl. Put the three red sacks on the bottom. Add a lot of semi-precious stones: coral, malachite, topaz, agate, and amethyst. You can use the jewelry made of these stones, or use rough stones. Remember: The mascot cannot do without the main symbol of feng shui for prosperity – the gold. Put at least one gold item in the bowl. Fill the remaining space with objects colored in gold. For harmony, you can add dried flowers, cones, leaves, and seeds to your vase.
You can go even further. You can put paired figures of animals inside: elephants, horses, fish. You can also add a lotus flower to this idyll. You can put a ring on the bottom of a small bowl, and place it inside the main one. The ring means endless movement. For the embodiment of the sky, draw the sky and put the picture into the vessel.
For the bowl of wealth to help, it needs to be placed properly. Place it in plain sight in your bedroom. Consider placing it in the southeastern part of the room – this will symbolize the desire for harmony and light. Do not put the bowl where there may be strangers, such as in the living room.
Create a good mascot by the rules of feng shui for prosperity, and the material costs involved in it may come back to you a hundredfold.

Published At: Isnare.com