Andys Web-site

Articles And Blog Posts Concerning Men And Women

about me

richmondccukxzcvpn
  • Location: Rosedale, IN
  • Age: 30
  • Blogging Since:
  • Last Post:
  • Total Posts: 13

my readers (0)

No one has added richmondccukxzcvpn's blog to their Reading List yet.

stats

  Day Week All
Posts
0
0
13
Comments
0
0
0
Props
0
0
0

recent comments

No one has commented on richmondccukxzcvpn's blog yet.

get in touch

You must login or register in order to get in touch.

my reading list

This member hasn't added any blogs to their Reading List yet.

blog archive


Is A Debt Settlement Worth It?

Posted

If you're struggling with more bills arriving each month than you're able to pay, you might consider working with a debt settlement company (which is different from a debt consolidation company, although many do both). Debt settlement companies can be helpful, but consumers should learn about how these services work before making any agreement. Here's what you need to know to determine whether debt settlement is right for you.

How does debt settlement work?

Debt settlement companies approach your creditors and negotiate a plan in which each creditor agrees to cancel the loan for less than what you owe in exchange for a lump sum payment. Once this agreement is made, you pay a monthly amount to a special deposit account set up through the debt settlement company. You also pay fees to the debt settlement company for its services. When the amount in your deposit account reaches the level that one of your creditors has agreed to settle for, the settlement company pays the creditor, ending the debt.

Most people can do their own negotiating

If you can get access to a lump sum of money, from a family member or some other source, it's worthwhile to call up a creditor yourself and simply ask whether it will accept less than the total amount you owe if you pay a lump sum. Even if you have to do some saving up, you can still talk to a creditor about a plan for paying off the debt in a few months for less than you owe.

Pros: When debt settlement is helpful

If you already have poor credit and are losing sleep over bills you can't pay, having a legitimate debt settlement company negotiate on your behalf can feel reassuring.If you are not fluent in English or if you feel uncomfortable making phone calls to creditors, a responsible debt settlement company can provide you with a friendlier pathway out of debt.

Cons: Reasons for caution

You may pay a percentage of your debt upfront to the settlement company, plus a monthly fee, and then a percentage of any money the debt settlement company ends up saving you.Debt settlement can cause significant damage to your credit rating depending on how it's reported, so you should not consider it if you have good credit.

You can gain a good understanding of debt settlement by reading the government's FTC page about this topic. Be aware that the IRS considers any amount of debt that is forgiven as income, and you will have to pay income tax on that amount. Before deciding on debt settlement, you will probably benefit from a free consultation with a consumer credit counselor or a bankruptcy lawyer. When you're in debt, you have several options, and it's a good idea to explore all of them before choosing one. We did some research and here are the top debt settlement companies:

Best Overall: National Debt Relief

Price: National Debt Relief is one of the more affordable debt consolidation services. First, it doesn't charge a monthly service fee like most other debt consolidation and settlement services. They do, however, charge 20 percent of whatever you end up saving by using their services. So if your debt is $10,000, and you end up paying only $9,000, they would receive $200. On the plus side, you can get a quote and a consultation for free with National Debt Relief.

BBB Rating: A (Also accredited by both the American Fair Credit Council and the International Association of Professional Debt Arbitrators.)

Features: National Debt Relief has the most features of any other debt consolidation and settlement service that we saw. It includes a free quote, flexible payment schedule, services for secured and unsecured loans, professional advisors, self-help tools, mobile access to their site and budget planners. They also allow you to have a co-signer, which is important for most people who are stuck in debt.

Guarantee: One of the reasons we like National Debt Relief is because of their 100 percent money back guarantee. This apparently is fair game if the service doesn't work for you or if you are not completely satisfied with the service.

Customer Service: The site also has a comprehensive customer service program, including access to a representative by phone, chat, email and social media. Although not always the speediest, the customer service answers to our questions were always helpful and informative. Here is a good comparison between National Debt Relief and our second choice, CuraDebt as well as a review of Accredited, which is another top debt relief program.

Runner-up: CuraDebt Debt Relief

Price: CuraDebt charges the same amount as National Debt Relief; 20 percent of what you save on the initial debt.

BBB Rating: N/A (Also accredited by both the American Fair Credit Council and the International Association of Professional Debt Arbitrators.)

Features: CuraDebt was founded in 1996, which means it has been in business for more than a decade longer than National Debt Relief. CuraDebt offers most of the same features that National Debt Relief does, including free quote, flexible payment schedule, services for secured and unsecured loans, professional advisors and self-help tools. One of the things that CuraDebt doesn't offer that National Debt Relief does is the option of having a co-signer. They also don't offer mobile access to your account.

Guarantee: CuraDebt doesn't offer a money back guarantee.

Customer Service: CuraDebt only offers phone and email customer service options, which limits your options. It can be difficult to get an answer, but the customer service representatives are usually helpful and friendly.

Top 8 Benefits of Financial Education

Learn How to Budget

Budgeting http://www.loans.net/ and tracking your expenses will give you a firm grasp on how much money is coming in and where it's going out. This can help you cut wasteful spending and free up more of your income.

Debt-Free Calculator | Getting out of debt with CNNMoney

Posted



Methodology

For each month, we calculate and add the interest accrued during that month to the amount you owed during the previous month. Then we subtract your monthly payment to arrive at the new amount owed. We repeat the process and track the number of months needed for the amount owed to reach $0. If you have multiple debt types, your debt-free https://www.vtb24.ru/mortgage/ #! date is based on the debt that will take the longest time to pay off.



We keep a running track of the cumulative interest accrued each month as your debt gets paid off.



View moreless

Marketing & Advertising :: 13 of the Best Ways to Generate Leads with Social Media

Posted

Since I just started the 14-Day Facebook Marketing Challenge yesterday (it's not too late to join us!), I have Social Media on the brain.

I've been thinking about one of the biggest reasons why businesses and entrepreneurs take the time to be on social media. Aside from showing off their cute pets or grandbabies, it's to help grow their business.

When wanting to grow our business, we often think of the more tradition methods of marketing and advertising. As an example, typical advertising channels are newspaper, radio and TV ads. Where typical marketing includes SEO, PR, and Direct Mail campaigns to name a few.

But when we look to social media to help with this, the approach needs to be different than those more traditional methods of getting qualified business leads.

And that approach is through a method called "inbound, pull or relationship marketing".

Pull and relationship marketing relies on developing relationships with prospects before doing any overt promotion. The premise being people, especially women, tend to do business with others who they already know, like and trust.

In fact, according to Nielsen, 83% of consumers will trust the recommendations of family and friends so it's our goal as business owners to gain that trust.

twitter follower bot

So how does one go about gaining trust and generating qualified leads from social media?

Here's 13 best ways to attracting qualified leads to your business:



1. Establish yourself as being knowledgeable in your industry. Do this through your blog, newsletter, and the types of posts you add to your social media accounts.

This authority will build trust with your followers as they learn more and more about what you do, and your expertise in that field.

2. Pick the best channels for you to get visible on and focus just on those. Don't try to spread yourself too thin by being everywhere.

Instead of chasing after the social media channels that are getting a lot of attention, ask yourself this important question: "Where is my target audience hanging out?"

Then go build your brand presence there.

3. Be on social media with the intent of being helpful, not on pushing your wares. People smell desperation a mile away and it's a turn-off to most.

Instead of always trying to "push" your products or services on others, "pull" them in by being engaged with them. Comment, like and share their posts. Answer questions that are genuinely helpful.

Developing trusting relationships will give you greater returns in the long run than doing nothing but promoting yourself.

4. Provide exclusive offers just for your loyal followers. In between posting informative posts, sprinkle in special offers, discount codes, contests or giveaways that are exclusive to your Facebook, Twitter or Instagram followers.

Shortstack offers an easy way to hold Instagram, Facebook and Twitter contests that will also help you stay within those platform's rules.

5. Ask for a referral after someone has made a purchase. When an online purchase is made, the purchaser is sent to a "thank you" landing page. Use that page to offer some sort of incentive to share what they bought with their social media followers.

6. Host a Twitter Chat or Facebook Live show. This is a great opportunity to get in front of your followers and showcase your expertise.

Use the show to have a question and answer session, share a valuable tip, strategy or perhaps some inspiration. Use your imagination and think about what your followers would want from you.

7. Incorporate a paid ads campaign. Despite what we tend to think, social media is not really a free platform for business.

In order to get the exposure you need to generate solid leads, you need to look at it from a "pay to play" perspective. Invest in Facebook, Twitter, and/or LinkedIn ads, depending on where your ideal clients are hanging out the most.

It wouldn't hurt to supplement your efforts with Google ads too. Google ads can be extremely effective at driving qualified traffic back to your website.

8. Create a custom tab on Facebook for your free giveaway. Facebook users don't like leaving that platform so one way to get people to sign up for your free giveaway is to host a custom tab within your Facebook page that provides the signup ability. Here is ours as an example.

Pagemodo offers a means to do this or you can use Static HTML as well.

9. Add your list of services to your Facebook page. Facebook recently implemented a new feature on the business page that provides an opportunity to showcase your services. Take advantage of this great feature so your followers know what it is you offer!

Here's ours as an example.

10. Use Twitter cards. Twitter cards are a great lead generator that has a call to action embedded right in the tweet.

Once the visually eye-catching and compelling tweet is created, pin it as a feature tweet to the top of your page. This is prime real estate that twitter followers will see when checking you out.

You can view our Twitter card here.

11. Use video. Video is where it's at on the social media scene so take full advantage of the excellent exposure it can bring your business.

You can use video on Facebook, Twitter, Instagram and of course YouTube to demonstrate how to use your product, share informative tips and strategies, offer inspiration and words of wisdom to name a few ideas.

12. Add a call to action to your Facebook page. Your Facebook business page has a great feature located right under your header banner that allows you to add in a call to action.

Ask yourself what you want your followers to do once they have discovered your page? You can choose from several options such as booking a service, getting in touch, learning more, making a purchase or donation or downloading an app or game.

13. Get engaged with your followers. One of the fundamental strategies you can incorporate into your social media efforts is to get involved and engaged with other people and pages posts.

A great way to get more exposure to your page is to like, comment and share other page posts as your page. Find other pages that share the same target market as you and like those pages as your page (as opposed to your personal profile) and make a daily habit of interacting with those posts.

The more you get engaged with your followers, the more they will be aware of who you are, which will begin to develop the know, like and trust factor with them. The more that happens, the more apt they will be to go check you out and if they need what you're offering, they will then become a lead for your business.

As you can see, there are lots of ways to take advantage of social media's powerful lead generation possibilities. The key is to be consistent, be strategic and be patient with you efforts.



Showing 1-3 of 13

1 2 3 4 5
Next >>