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Hitting the Financial Bottom: 3 Options for You to Consider to Prevent Debt from Ruining Your Life

If you are unable to pay your debts, it’s always advisable to seek professional assistance as soon as possible. Taking prompt actions against such cases helps remedy your financial situation. Unfortunately, finding solutions to one’s debts is not as easy as it sounds. If you find yourself hitting the financial bottom as a result of your debts, here are a few strategies to consider.

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Debt Management Plans

These kinds of plans make it possible for you to settle your unsecured debts in full, but often with fees waived or with reduced rates of interest. A debt management plan allows you to make a single payment to the credit counseling agency every month. The payment made is then distributed among your creditors. With this approach, however, you will have to live without your credit cards because they will be closed until the plan is completed. Although the debt management plans cannot affect your credit scores, closing the accounts will most definitely do. Therefore, make sure you apply for credit cards again once you have completed the plan.

Bankruptcy

There is little or no point of entering a debt management plan if you cannot pay as agreed. You can always talk to a bankruptcy attorney before you can decide to pursue any relief plan. Most attorneys will not charge for the initial consultation, so do not fear approaching one.

The most common type of bankruptcy is Chapter 7 liquidation and this can be used to erase the unsecured personal loans, credit card debts, or even medical debts. If you qualify for this process, debt relief can be done in a period of 3 to 4 months.

You should note that not every individual with an overwhelming amount of debt qualifies for debt relief through bankruptcy. For your family size and state, if your income surpasses the median, you may be required to file Chapter 13.

There are numerous law firms that can offer the professional help you need. Make sure you search around to ensure you are working with the best bankruptcy attorney in your area. You may also consider visiting www.steinbergerlaw.com/ to learn more about Chapter 7 bankruptcy.

Debt Settlement

This approach should always be the last resort when it comes to seeking debt relief. Debt settlement organizations often ask debtors to stop paying their debt and place their money in their controlled accounts instead. As the money accumulates, the company approaches every creditor, and you as the debtor continue to fall further behind payments. This approach may work since the fear of not getting anything may prompt the creditors to accept any form of settle even when it means getting a smaller lump-sum, as long as they agree not to pursue the debt any longer.

However, with this approach, you subject yourself to collection calls, potential legal action, or even penalty fees. Debt settlement cannot stop any of these from happening while the negotiations are still ongoing.

Last Words

When you are about to hit the financial bottom, make sure you consider the three options above. Best of all, make some time to talk to a bankruptcy attorney to get all the help you need when seeking debt relief.

 

The top 5 advantages of hard money loans

Hard money loans are offered by private firms and real estate investors. They are usually borrowed against property assets. There are many advantages of these loans, but you should always be careful not to get into the sea of debt. Here are the top five advantages of hard money loans:

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  1. Hard Money Loans Are Approved Faster

Many realtors do not realize that as long as they have their property, they can quickly acquire loans for their urgent projects. These loans are usually approved within 3 to 5 business days. The alternative that most borrowers use is bank funding, and this can take close to a month to be approved. Hard money lenders therefore come in handy to save borrowers from long waiting periods. In some cases, the borrower requires funds as an emergency.

  1. Flexible Payments

Hard money lenders offer flexible repayment plans for their clients. The repayment plan can easily be tailored to suit your circumstances. In situations where you have difficulties repaying loans, you can easily explain your reasons for defaulting and agree on a new deal. When it comes to repayment, companies in Los Angeles try to treat you like a partner and not a client.

  1. Fewer Requirements

Normally, before mainstream loans are approved, a lot of due diligence is conducted. The banks check the client’s credit history thoroughly, and collateral is often needed. The rigidity of banks makes the process complicated, and this means only a few individuals can qualify for their products. However, with hard money lenders, the borrower is only required to have an asset that he can borrow funds against. Well, the fewer requirements for approval come as a savior for most borrowers.

  1. Zero Prepayment Penalty

It is possible to pay a hard money loan before the due date and face zero prepayment penalties. Banks, on the other hand, often subject their borrowers to penalties if they pay off the loan before it matures.

  1. Credit History Is Not a Big Issue

Not everyone has a history with mainstream credit bureaus. This is one reason why hard money lenders only require one to have a property that can be valued against the loan required. An equity stake can also be used to obtain loans from these institutions. Banks, on the other hand, will require you to have a high credit score. Otherwise, your loans will be very expensive. Most people who need loans are denied loans from banks because of their weak credit score.

Conclusion

Hard money loans are very easy to obtain. There are many advantages of these loans, and one of the biggest is the flexible repayment plan. You can even choose to pay the loan before the maturation date and still face zero consequences. Also, these loans are typically approved in very short periods.

 

The importance of teaching children hard work and determination

There are lots of different things to be thinking about when it comes to parenting and teaching our children. But one of the things that we need to make sure that we instill in our children from an early age, is the importance of hard work. Experts have found that when we teach our children the value of work and the importance of it and that of determination, it helps to improve self-esteem, as well as helping emotional development. So there are plenty of reasons why it is a good thing to do. This is never more important than raising children in this day and age.

We can get so used to things being available at the touch of a button, that it can be hard to wait for things. Which is why more than ever, teaching our children the importance of waiting for things and determination, will help them in so many ways. So here are some of the ways that you can encourage your children to stay on track and show them that hard work really does pay off.

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Praise Effort

There is a reason in school that report cards often have an attainment score, as well as an effort score. That is because in some areas our children may struggle, but if they are putting in plenty of effort into it, then you can’t ask for more. So praise the effort that they put into things, and they will learn that effort (or hard work) is an important thing.

Don’t Help Them Too Much

It can be really hard to not help our children when they need a little help. But often, when we do too much for them, it doesn’t help them to learn or grow. So placing them in some difficult situations, but ones that are not impossible, is going to help in a big way. They will learn what works, and even when things don’t go well, they can learn to keep trying and learn that precious skill of determination.

Encourage Work

As our children grow, then there can be things that they can do around the house to earn pocket money. And this is important to start from fairly early on (though it could be for whatever reward you see fit). When the time comes for them to be able to earn money for themselves, then you should encourage them to do so (for a small number of hours). You could even look at things like apprenticeships for 16 year olds, so that they can learn a skill, as well as a small income. It can give them a confidence boost, and get them used to working hard.

Be a Role Model

It can be so hard as parents to teach your children to work hard, if you are not doing that yourselves. Which is why you have to practice what you preach, in all areas, when it comes to your children. So show them what working hard looks like, and they will have some stellar examples to follow.

How to grow your online shop: 7 social media marketing strategies

Growth is something every online shop owner worries about. With so many social media marketing strategies out there, it can be difficult to know what tactics are most effective.

To help you along your ecommerce journey, we’re going over seven strategies you can easily implement to grow your online shop.

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Post compelling content frequently

If you want to grow your brand on social media, consistently posting great content is non-negotiable. Users react more favorably to businesses they regularly see in their feeds, leading to more engagement and trust.

However, you don’t need to go overboard and start spamming your followers. Simply create a schedule that works for you and commit to it.

Automate word-of-mouth with social reviews

Reviews are this century’s word-of-mouth.

Having product review apps on your shop’s site creates trust and leads to more sales. When your customers are happy, they’ll want to convince others to buy from you too, so let them share the love!

Make it easy to share your products

Add social share buttons to your site, particularly for Pinterest. If a customer likes your item but can’t buy it right away, they can pin it for later.

Even better, someone else might see that pin they’ve saved of your awesome product and click onto your website. Your potential customers are doing some of the marketing for you!

Be active on the right #hashtags

Hashtags can be a little complicated, because there’s different rules for different social channels. Luckily, there are tools available to find ones that align with your brand, aren’t oversaturated, and will yield the best results.

It’s also a great idea to create your own shop-specific hashtag. This encourages your customers to post photos with your products using that tag.

Align your posts with a trending topic

When you post about what people want to read about, both on your social media and on your shop’s blog, you’ll naturally attract potential clients. If you properly utilize SEO in your posts, it’s easier for people to find you.

If you need help in this area, SMR Digital is an organic search agency providing link outreach, SEO, PPC and social media marketing services.

Invest in an infographic

Infographics are a quick and visually-appealing way to help your customers make informed decisions, or educate them about your brand.

Here are some templates to give you a few ideas.

Make your Instagram shoppable

There used to be a big hurdle driving traffic from Instagram. Now, for business pages, it couldn’t be easier and a great way to grow your online shop!

The same way you’d tag any other account, you can now create product tags. These shoppable posts allow users to tap and see prices, then click through to purchase. They fit in seamlessly and don’t come across as spammy.

 

How to avoid yourself from car scams – Odometer fraud

Buying a used car is already a risky business in itself. Here, you will be buying a car being sold by the owner even without knowing the real reasons why he is selling it. While you might find a genuine seller who will tell you the condition of the car before selling, many others will want to cover all the faults of their used car in shiny paint, just to rip you off. Worse still, you might land a scam, and by the time you realize it, you’ve already lost your money. So why not learn how to avoid car scams when buying used? This article highlights the tips that are necessary for one to stay safe from the tricks of the scammers.

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Check vehicle history

Before paying for a used car dealers in San Diego, you have to make sure that you have gathered as much information about it as possible. Things like the number of people who have ever owned it, the actual mileage the car has traveled, its title, its ID and many other things that one should know about the vehicle. And this is not as hard as many would want to imagine. There are very useful sites such as Carfax, Auto Check and others that can help you gather all this information in an instant. Also, the sites will enable you to know that the number of reported accidents which the car you want to buy has been involved in. All these information is extremely useful when deciding whether to buy the used car or not.

Request for the seller’s ID

In most cases, scammers sell cash for cars that actually don’t belong to them. These cars might have been stolen from somewhere else, and thus the seller wants to dispose it off as soon as possible. You should not be surprised to find a nice car being sold so cheaply, and the seller is not willing to bargain so much, it might be because he has stolen it from another person and wanted to do away with it so fast. To avoid this case, you should be keen to ensure that the person selling the car is the actual owner of the used car. Avoid instances where the seller is just a proxy of the actual owner. If you realize that the seller is a proxy, the most prudent thing to do is walk away, as you might be scammed in the process.

Get it in writing

There are times when used cars dealers promise you a lot of things like free delivery, repairs and so on. While there are those that will stick to their promises, others will just forget them the moment you pay for the used car. For this reason, it is recommended that you document any kind of promises or agreements that you make with the seller of the used car.

Also, it will save you from a lot of unwanted stress if you check to ensure that the buyer’s guide is posted on the used vehicle that is for sale. Note the guide is a requirement in many countries, and most specifically, for the Federal Trade Commission. The reason why the buyer’s guide is so critical is in its purpose itself. It was made mandatory to protect buyers from fraudsters. You should be very skeptical if you realize that the car doesn’t have the poster.

On the poster, you should be able to get information regarding the car under sale. Things like how much the dealer will contribute to repairs, how the car is being sold; with or without a warranty and many other things should be listed on the post.

Check to ensure the warranty is useful

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There are instances when the cost of the extended warranty you get from the used cars dealer is so high. This will only help increase the price of the used car, as you will have so little to save given that you will need to do some repairs on the car as well as pay for the extended warranty. It is this reason that experts will advise you to be very skeptical about those warranties, as you might find them not so useful to you. It will be more convenient for you to buy another warranty yourself than go for the extended one which might be useless in the end.

In some cases, dealers will offer you service contracts as a form of extended warranty. This type of arrangement can only work if you live close to the dealership, but it will be a different case if you live miles away. Remember that in the case of this kind of arrangement, you can only have the car serviced at the dealership, and not any other place, unless o your cost.

When you want to buy a used car, you should be so keen to ensure that you don’t become a victim of some of these common used car scams. By understanding what the law requires, and by learning about previous scams either via the internet or from friends, you can be able to make an informed decision when buying a used car.

Author Bio:-

Lisa Mitchell is a San Diego based Auto Financing blogger with many year of experience covered with Car sell/buy in San Diego, Financing and trading Autos. She has started her carrier from Auto City in 2010. Auto City only offers the highest-quality used cars for sale at extremely competitive prices. That special combination of quality and affordability adds up to one thing – real value to you, the customer.