Nov
21
vanbc2000 asked: Facebook is potentially a valuable advertising channel for therapists, however in an arbitrary decision that hypnotherapy has no value, they prevent hypnotherapists from advertising their services. This despite the fact there are many research documents proving the value of hypnotherapy. Do you believe this is a fair decision from an informed publisher?Caffeinated Content [...]
Feb
9
You’ve probably seen the commercials, whether it be on TV or the Radio. A man in a nice suit tells you how he can “pay off” all of your debts. He will tell you about how he can get rid of your multiple high interest payments and give you one low easy
payment. It makes it seem like getting a debt consolidation loan is the answer to all of your problems. After you get passed the flashy commercials, you will find that they really do not have a whole lot to offer.Basically, they will write a check to pay of all of your consumer debt, and then give you a new loan for all the checks they wrote. Usually these debt consolidation loans are second mortgages, which allow them to offer interest rates of about 8% or 9%. There are a number of problems with these type of loans, and are really just not worth your while.The biggest problem with them is that they do not change your behavior. Debt is not the problem, rather debt is the symptom. The problem is that you are spending too much money, and getting a debt consolidation loan does nothing to stop your overspending habits. So you pay off your credit cards with a debt consolidation loan, and end up just going back into debt because you have a bunch of credit cards with a zero balance and a huge spending problem. It’s just not the solution to your financial problems.Most of the time you won’t even get the great loan that they present to you in the advertisements. That’s the teaser rate for people with the best credit, but if you have all sorts of debt and need a debt consolidation loan, you probably won’t have the absolute best credit score and will get a less than decent loan. Often times there will be a number of hidden fees which they will use to get a lot more money out of you than you had expected.Another problem with the loan is that your debt will moved from an unsecured loan to a secured loan. Before they could only yell and scream at you if you didn’t pay your debt, and eventually sue you after many years. Now since it’s a second mortgage, if you don’t pay your debt, then they can take your house from you. You are adding collateral where there was none before.
Jan
10
What are your options? Weigh the pros and cons.If you can qualify for a mortgage, borrowing against the equity in your home to consolidate all of your debt does have certain benefits, as well as real pitfalls. On the positive side you can immediately eliminate monthly payments. You can also stop bill collectors from calling or taking
legal action because, after all, you’ve paid your debts in full. Finally, the process may actually help you improve your credit rating. First of all, you have to be able to qualify for a loan or a mortgage. You risk losing your home if you’re not able to maintain the payments set up when you borrow against the equity in your house. The debt you’re paying off is not eliminated, it is simply restructure and you run a risk of overextending yourself again. And something a little less tangible, but still very real, you may get a false sense of security… a feeling that the debt is no longer there when in fact it’s tied up in your home. Would a debt consolidation service or consumer credit counseling program be better?Signing up for a debt consolidation service or consumer credit counseling program will immediately decrease your monthly payments to the debts you still owe. Bill collectors will not be harassing you as much, though there is the possibility that collection action will not go away entirely. The programs do teach better money management skills and are successful in eliminating penalties, interest and additional fees on the debts you already have incurred. However, you will not be able to get new credit cards while in the program and you’ll need to qualify by having a certain level of unsecured debt because these programs only work with unsecured debt. If you’re behind on your mortgage you could still lose your home. And it’s possible that participating in such a program may have a negative impact on your credit rating. A couple of tips before you join.
Oct
22
Starting or Fine Tuning Your Self Made Cleaning Business for SuccessAny given week if you look in the local newspapers, you are likely to see an advertisement for someone wanting to clean your home. Many individuals are interested and end up starting their own cleaning business. A cleaning business may be one of the easiest businesses to start up;
however, all of the competition makes it difficult to survive. Below is a list of tips to get a cleaning business started and, if you already have a business up and running, a few tips to possibly maximize your profits.
One of the common mistakes that most cleaners make is that they decide to focus on one set of clients. For example, many advertisements that you read in the paper will say “will clean your home.” There are many businesses, big and small, that need to be cleaned too. If you are just getting your cleaning business started, cleanings homes is a good way to get your foot in the door. You must remember not limit yourself though. If you are planning on placing an advertisement in the paper, be sure to mention that you will clean homes or businesses. There may be a local business owner reading your advertisement and if you do a good job a cleaning contract might be in your future. In addition to local papers, you will want to make up fliers and business cards to distribute to possible clients and hang on community bulletin boards. If already do not have an established business name, you should think about getting one. To be honest, if I were a potential customer and saw a flier, I would be more likely to contact “Fine Cleaning” versus just “Mary.” Since you will be traveling with your vehicle to jobs, you may wish invest in a magnetic sign that will describe your business and provide a contact number.
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