Debt Reduction Advice That Really Works

 

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Locating good debt reduction advice may end up being somewhat confusing for you if you want to lower how much personal debt you have. Too much of the available info makes it seem like it’s nearly impossible. Then you have those places who pretend their advice will help you get out of debt, but it’s actually designed to make stay in debt longer. There are also those who expect you to live on practically nothing. While most of them mean well, the truth is that they may not be good options for your current situation. That being said, the following advice will be able to help you get out of debt, regardless of which specific method you end up using.

The first thing you need to do is find out exactly where you stand financially. Start a spreadsheet or get a sheet of paper and write down all of your debts. Include every company and person you owe money to, including car payments, mortgage, personal loans, credit card balances, student loans and any bills that are past due. Next to each creditor, write down the total amount you owe, the minimum monthly payment, and the interest rate you are being charged.

Once the list is done, add up the totals in all but the interest rate column. You will now see the total amount of debt you currently owe, as well as the total minimum monthly payments you’re expected to make. The totals will probably shock you, but it’s important debt reduction advice because it shows you a realistic picture of how much debt you have.

The next step is to figure out how much money you have coming in and how much you are spending. Make a list of all of the income you have coming in on a regular basis, as well as any money you could easily get your hands on if you had to (but don’t touch any retirement savings). This gives you a better idea of how much you will be able to apply toward your debt, but there’s one more step…

You need to also write down all of your expenses. Don’t leave anything out. The more honest and accurate you are, the better. Once you see where all the money is going, you can start to see areas where you should be able to cut expenses.

The final bit of debt reduction advice is to put all of this data together to start reducing your debt. Free up as much money as you can and apply as much of it as you can toward the debt with the smallest balance (while paying the minimum amount on all others). With luck, you may even be able to pay it off right away. Each time you move on to the next debt, rollover the amount you were paying on the previous one. Keep doing this and you will be out of debt faster than you can imagine.

Crimal Background Check-Feel Safe And Secure In Your Neighborhood

 

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What about that new single guy who has just moved to your neighborhood? He could possibly be a convicted sex offender who is not allowed within a certain distance from children. You will want to know this and be able to keep a close eye on your children when they are out playing.

Some of the things you can find out about a person when doing a search are:

1. Arrest records

2. Sexual offenses

3. Felony convictions

4. Outstanding warrants

5. Incarceration records

You could probably dig up a lot more information as well if you know where to look but for the time being this is quite enough to get a good picture of someone’s past criminal record.

Some may say that if someone has done the time for their crimes then they should be forgiven but even if they have paid their debt to society they could still have some lingering urges and it is worth it to know who they are and keep your home, yourself, and most importantly, your children safe from harm.

You can find out a lot of what you need to know about someone from doing an Internet search using one of the reputable “people search” websites but, if you need to search for criminal records you need to go through the state or county databases.

If the person you are considering hiring is going to work with children or the elderly or needs to have a high security clearance to deal with classified information you will need to search through a federal data base to get your information.

Also know that if you require a full report on someone and want it sent to you it may cost as much as one dollar a page to get.

Just for kicks, try doing a crimal background check on yourself just to see what comes up. You might just be surprised to find some incorrect information on you floating around out there. Then the next step is to get it removed from your record.

Costa Rica Coffee-Keep Up With The Growing Market Of Coffee

 

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If it’s been a while since you tried Costa Rica coffee, you may want to try it again. Changes in coffee production and an attempt to keep up with the growing market for coffee and gourmet coffee has caused some changes in the coffee coming out of this region. The growing trend of small coffee mills also gives coffees from this region an even larger variety of flavors and qualities, so it might be time to revisit this coffee.

If you already love Costa Rica coffee, no doubt it’s for the extremely mild, some say perfect, coffee flavor. Very mild with no bitterness, a very balanced flavor that’s worst criticism has always been its steadiness. Some have long considered coffee from this region to be fairly bland or boring. And some of the huge coffee-producing farms and mills did make an effort to produce a coffee that would please almost every coffee drinker.

These coffees were typically made from your average Arabica beans and produced on a mass scale. Today, smaller mills are becoming more and more popular in the region. The Costa Rica coffee produced on these smaller farms are carefully controlled by the mill owner and blended to produce a distinct flavor to set it apart from the other coffee in the area. Even on a small farm, different lots of coffee depending on soil drainage, elevation and other factors are found to have subtle taste differences. Combine that with different roasting temperatures and times, and the range of flavors can be huge.

How the coffee is processed has much to do with the quality and flavor, and each mill uses its own signature process or a combination to create different micro-brands of Costa Rica coffee. The region has been producing coffee since the late 18th century, with the first type of coffee grown there having come from Saudi Arabia?Arabica coffee. It wasn’t long before coffee became Costa Rica’s largest exported crop, outselling even tobacco, sugar and cacao.

The Costa Rica coffee designed to remain in the country rather than be exported is tinted to distinguish it, and falls under government price regulations so that it’s much cheaper than the coffee that’s exported to the rest of the world. Workers are typically immigrants from nearby countries like Nicaragua, and the best workers still only make between $12 and $18 per day, depending on how many baskets they pick. Given the other wages in the area and that the wages are governmentally set, in Costa Rica, a seasonal worker actually makes a decent living, comparable to other agricultural workers in the area.

Costa Rica coffee is still a valuable export crop the world over, especially now that the production has become refined and the variety of different types and flavors of coffee coming from the region is so vast. If you’re a big fan of Arabica and Arabica blends, you might find that your new favorite type of mild and well-balanced coffee is indeed Costa Rica coffee.

Backgroundcheck Org -Know What Your Rights Are

 

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If you are looking for information on what may or may not be included in a back ground check, you should go to backgroundcheck org.

This is a site that will tell you exactly what is or is not included when someone is looking you up in the case of being hired for a new position, or even becoming a volunteer.

9/11 had a big impact on how people view security in this country and in-depth back round checks have pretty much become the norm.

Backgroundcheck org is a wonderful resource for letting you know what your rights are and what must be disclosed to you as a result of the background check.

For instance, if the person or company doing the check wants to check your credit report they must first tell you they are going to do it and give you a summary of your rights under the Fair Credit Reporting Act.

If they fail to do this, you could go after them for a grand total of $1,000. Most people do not know this, but now you do. If they check your credit and do not tell you, you can, and should, sue them for $1,000.

No one can do a background check on you with out you giving them your permission. If you are interviewing for a new job you must fill out a form allowing your new prospective employer the access to your information.

Other rights you have that you may not know about are:

If, during the background check, someone reports something negative about you that causes you to not get the position you have applied for, you must be told, and the identity, and source, of the negative information must be revealed to you. You should receive a copy of the report.

If the information in the report you are given is incorrect, you must be given the opportunity to contest it and then find a way to disprove the information included in the report.

It is everyone’s best interest to study up on the laws in your state regarding your personal information. Every state is different and you may be able to get some of your information removed from being accessible to the public by going to court and having it legally removed. Some things are simply no one else’s business.

Needing to find out about someones background is not just for employers. Any one can order a background check and if you need a new daycare provider for your children or are looking to hire someone to do some work for you like say, a remodel of your kitchen or a subcontractor to build you a new house, you should spend the money and get one done.

Go to backgroundcheck org (don’t forget the dot) and learn all you can about the whys and wherefores of why you might be subjected to a background check or why you may need to order one on someone else yourself. It could be the difference between a job well done by a reputable person or company or the nightmare of inviting someone into your home that you really do not want there.

Animals And Stress Relief Therapy

 

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There are many experts who tout the advantages of animals and stress relief. According to science the very act of petting a dog or a cat can actually lower your blood pressure. I have had animals my whole life and I have to say that I agree with that, most of the time!

I probably should not be writing this article today since my dog ate my phone 2 days ago, not exactly stress relief! So, aside from the occasional annoyance, animals and stress relief really do go hand in hand.

If you already have a pet you probably already know this. If you have a pet who is increasing your blood pressure because they misbehave, do yourself a favor and take them to a qualified professional and work on their behavior problems.

Don’t think that you can’t train cats or help them act better either, you can. This type of “intervention” is not just for our canine friends.

Don’t short yourself on the opportunity to have a healthy,loving and peaceful relationship with your pet just because of some bad habits. If you are willing to invest the time you can train your pet to overcome their bad habits and become a stress free and fun companion.

Animals really just want you to love them and for the most part they will try to do what you want them to do. With some training most animals will turn into civilized and gentle loving companions for you.

If you don’t currently have a pet there are many species of pet that can help you relax. Just take some time to realistically consider your lifestyle and how much time you have to spend with a pet.

Too many would be pet owners do not take these things into consideration and they get a pet that is not a good fit for them or their lifestyle. You do not want to do that. It will make your life and that of your pets very uncomfortable.

Once you adopt a pet they become part of your life, it isn’t fair to just get rid of them because it is no longer convenient for you, that is just really selfish on your part.

You can help eliminate the chance of that happening by carefully considering your personality and lifestyle and choosing the right type of pet for you.

Here are some things to consider:

1. If you are a really neat person and can’t stand a mess you might be better off with a cat or at least a non-shedding dog breed. But remember, every animal that has hair, including humans, will shed a little it’s just a matter of degree.

You may even want to get fish since they obviously won’t shed on the carpet or have to have their litter box cleaned though you will need to clean the tank weekly.

2. If you like peace and quiet a cat or a fish may be a good option as well. If you want a dog find a breed that is not overly nervous or “yappy”.

3. Consider how much time you spend at home. Animals, especially dogs, are social and they like companionship. If you do not spend much time at home getting a fish or maybe a cat will probably work out better for you than a dog.

Sometimes getting two dogs may work since they can provide companionship for each other but at the end of the day, your pets want to spend time with you.

4. If you are active and like the idea of having an active companion you can take with you on your adventures consider a bigger breed of dog. A golden retriever can be a great companion to take on your hikes or walks. They are also mild mannered and good natured. But, they like to be around you a lot and they do shed.

All in all, if you want to have a pet, make sure that you take your time, ask questions and find the best fit for you. All pets can provide companionship but just like with your human companions you will be more compatible with some than with others.

Animals and stress relief will provide you with more benefit if you choose the right pet for your personality and lifestyle. If you’ve never had a pet before, take your time to consider these factors first.

Adult Vacation Spots You Should Avoid While On Spring Break

 

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Spring break is a time of fun and a lot of drunken antics by the college communities out there. All those college students are heading to the warm beaches to play their hearts out and stretch their legs after a long winter. But this can be disruptive to the more adult crowd out there who are looking to do similar, albeit in a much more controlled fashion.

So if you are not some rowdy college student, what are you suppose to do during spring? Well there is no Adult Vacation spots you should avoid if on spring break. You should not have to go somewhere else and deprive yourself of the rest and relaxation you deserve. There are ways you can go about mitigating the annoyances caused by rowdy and drunken college students so that you can still enjoy these sunny vacation spots.

1: Look into adult hotels. What I mean by this, is that in the traditional hot spots like say, Cancun or Miami, a lot of hotels will have age restrictions. Nobody under the age of 25 can rent a room there.

This is because they not only want to forgo the hassle of dealing with a bunch of drunken college kids, but also understand that people like you want to have fun in the sun as well. This age restriction only applies to the person renting the room, though. So if you want to bring your family along you can.

2: Avoid the hot spots. There are a lot of specific areas that college kids like to congregate to. These are easily spotted simply by watching MTV. Some of these Adult Vacation spots you should avoid if on spring break can make all the difference. If you simply go places the college kids are not at, such as a quiet beach a little farther away, you can enjoy yourself much better without having to worry about all the ruckus.

3: Complain and complain often. Now a little disclaimer right off the bat, be aware that these kids are just there to have fun and do not mean you any harm or trouble, so do not go overboard. But if they are being so rowdy that they are disrupting your vacation, do not hesitate to complain to the manager. If you make your complaint known, they will often do something about it. Whether it be in the form of compensation, or moving you away from them or something.

While you should not go out of your way to ruin their vacation, you do not have to be a doormat and allow them to ruin yours. Moderation is key after all.

While there are a lot of Adult Vacation spots you should avoid if on spring break due to just how hectic it can get, you can also find ways around these problems. It may be a little bit of a hassle and may require some extra planning, but you have every right to have a nice time at a sunny beach resort so do what it takes to ensure you have a nice, fun, and relaxing vacation.

10 Ways To Relieve Stress

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Stress is not a very pleasant experience but unfortunately life throws situations full of incongruence at us that challenge our ability to remain calm. The reasons are endless from the noisy neighbor to the pizza boy whom keeps delivering a pepperoni pizza when I asked for a Hawaiian pizza with extra cheese and?..well, you get my drift.

The solution centers on focus and relaxation. These 10 ways to relieve stress will help you maintain a balance between keeping your blood pressure down and blowing a gasket at work, at home or during other social times.

1.Don?t focus on the problem, focus on the solution. Replace a negative thought with something positive like a funny moment recently or something personally enlightening e.g. birth of a baby.
2.If at work, change your seating position or go for a stroll around the office if stress is hitting you.
3.Try some yoga as this teaches you through exercise to focus on being calm.
4.Go for a walk in the park or go for a swim, activities like these help to relieve stress.
5.Get a head massage or do it yourself. Gentle rubbing of the scalp is a very effective way to put you at ease. Meditation and also massage techniques offer great therapy. A great way to meditate is to close your eyes and focus on one thing such as your controlled breathing.
6.Play a game (if allowed while at work) or do a crossword. Activities like these allow you to easily find at least 10 ways to relieve stress so shift your focus away from whatever is stressing you. It?s a known fact that computer game lovers enjoy obliterating aliens or whatever as a means to alleviate stress.
7.This is an issue at work though if you can, play some music. Perhaps your employer will allow headphones. Sound that invokes feelings of serenity such as sea waves or forests can act as an excellent reliever.
8.Perhaps, you have heard the song ?the drugs don?t work? from The Verve and it?s all true. Being lethargic or stressed should not mean reaching for the pharmaceutical cupboard. Stimulants cannot remove the problem or help to forget it. Grab a huge drink of water instead and enjoy the feeling of refreshment.
9.Try Humor! As part of this list explaining 10 ways to relieve stress, this is probably the most effective method. Laughing brings you into the brighter side of your daily life. Read some jokes, or tell them to colleagues.
10.Try to sleep for at least 7 or 8 hours every night. More early nights and a proper sleep pattern will allow you to feel more relaxed each day and less prone to procrastination and lethargic behavior.

Follow these 10 ways to relieve stress to start leading a healthy life and improve your ways of tackling daily stress to feel better each day.

Did you check your Spam Folder?

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While watching a recent episode of The Office, I couldn’t help but laugh out loud. During a meeting, the character Andy says to his co-workers, “Ok, I have emailed you all the critical data so be sure to check your spam folder.”

Oh, if only I had a dime for everytime, we said to someone in our office, or to a customer, “Did you check your spam folder?”

It’s so much of an accepted problem now, companies anticipate that the information a customer requests may be filtered to spam. So in response, websites, sales material, new customer information and often telephone staff are briefed to include information on how to whiltelist, or mark email as acceptable.

For the most part we love our email don’t we? We rely on it to communicate with customers, family members, co-workers and conduct business. Email is better than voice mail, you can send it when convenient for you, from anywhere in the world. But will the person you are sending it to actually get it?

Maybe.

If you don’t know that someone sent you something, how will you know that you didn’t get it?

Despite the best efforts and money invested by ISP’s and Mail Service providers, the spam still gets through. You can’t find that important email from your customer, and you swear you never got the flight confirmation for your next trip. You check your email, then check again. Still nothing, but the “enhancement” emails still get through. Amazing!

It seems the spammers have won the war on junk email. Yes, some serial spammers have been caught, but take one look in your junk or spam email box and it’s busting with all kinds of offers and tidbits, malware, phishing schemes, and more. The simple task of opening an email attachment can unleash hell on your computer, harvest it and turn it into a Bot. Almost makes you want to watch The Terminator movie again. What was that Sarah Connor said about Skynet and self-aware computers taking over the human race?

I guess a positive way to look at it is this. The spammers, and the baddies of the Internet are helping to create jobs. As they release viruses and malware through email that infect computers it increases sales of Virus Protection Software, and increases calls to the Geek Squad at your local computer shop. The spammers keep the Internet police occupied and are contributing to economic recovery.

Most of us know to check our spam folder when an expected emailed does not arrive. Sometimes Email providers like Google’s Gmail, make it a little difficult to check for misdirected email. For some reason, Gmail, (which otherwise is a great program) has hidden the Spam folder under the MORE tab. Rather than having a very obvious folder called Spam that users can see clearly then check, instead users have to click on MORE, than on the Spam sub-folder. Only then can users see what legitimate email has been filtered unnecessarily. Some ISP’s block the spam before it even gets to your email box. This cuts down on spam but also means you may not get email that you actually DO want to receive, but your provider has deemed it not worthy for delivery or has blacklisted a domain.

Yes, spam is a fact if life. Just like we hate junk faxes, and telemarketers, and flyers in our mail boxes, we now we find our email boxes crammed with junk.

For most of us in an office environment we have come to accept junk email, as annoying but a part of life. The delete button is always a click away. It’s just not worth getting upset about.

** What do you think? Is spam the problem it once was? Submit a comment below we’d like to know what you think.

Sales Tip: Always Be Closing (ABC). The one simple rule that will help increase your sales.

 

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I don’t know who came up with the phrase, “Always Be Closing” but it’s brilliant. In sales circles it’s known more simply as ABC.

If you are in sales, this simple catchy phrase will help keep you on track to making sales.

Here’s some insight into sales and how to increase the number of sales YOU make.

Buyers like to get the sales person off track.

They like to ask questions, lots of questions.

They ask:

Does it come in blue?

What’s the guarantee?

Buyers like to stall, hedge, avoid.

They say:

I have to ask my wife.

I want to look around.

I think I can get a better deal somewhere else.

Buyers like to know that their business matters, that they are getting some personal attention to earn their business.

But sales people, know the ABC’s of sales – Always Be Closing.

Smart, successful sales people know that happy customers and good sales people go hand in hand.

They know that spending a little extra time with a serious buyer, or creating a personalized offer can be exactly what is needed to clinch a sale.

The buyer wants their questions answered so they can make the decision to buy. The smart salesperson wants to answer those questions and move the person ever closer to buying.

My colleague, Dr. Jeffrey Lant talks about the sales dance. He likens the sales process to a type of courtship. The sales person approaches, the buyer is shy, aloof. The sales person comes closer, offers the right words, and assurances. The buyer plays hard to get but shows interest. The sales person is more engaging, tries harder with a better offer, always moving toward the close.

ABC – Always be Closing means this:

Answering relevant questions, eliminating obstacles to the sale being made, helping with payment plans, reassuring the buyer, making special offers, sweetening the deal, whatever it takes to get the sale.

Closing the sale means finding out from the customer, what it will take to get them to buy NOW, not next week, or next month. The best sales people are listeners. They listen to what the buyer wants and they determine a way to get it for them so the sale is made, today. You can HEAR someone who wants to buy, if you stop talking long enough to listen.

ABC means doing your job right so the customer gets a great deal and you make a great sale!

Most of us have been on the receiving end of a poor sales person, and we also remember that warm happy feeling when you’ve made a purchase that you feel good about. We like to feel special, a good sales person can make that happen or alternatively with the wrong approach can make you walk away.

Happy customer’s who feel they got a good deal can be a repeat customer or a customer for life. Unhappy customers help you learn what you could perhaps be doing better. The right approach with an unhappy customer can convert them into a happy one! In fact, they may end up being your best customer because they see you actually cared and tried to make better a problem situation.

Got a sticky note? Write ABC on a sticky note, and post it on your computer. It will help remind you when you are talking to a customer, or answering an email, or sending a quote, or posting an offer, remember to Always Be Closing.

*** We invite your comments below.

How Yelp can help your local business generate business!

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As Groupon and other Bulk-Buy sites lose favour with merchants, business owners are going back to basics to generate traffic and new business.

Yelp.com is a reviews website that allows members to post reviews (good and bad) about different types of business. The site is structured into geographical areas which is beneficial for both users of the site and for businesses.

Yelp.com provides an easy way to see what people are saying about a specific business of interest. Recent surveys report that review sites are very popular among consumers (especially 35 and under) who will frequently use these kinds of sites to search for a business, then decide whether or not to use a service or business.

–> Benefits for the Consumer

Search for businesses by category or key words, in your specific area for hours, contact information, or website address.

Yelp allows you to find smaller businesses that might not yet be indexed on Google Maps

Browse what people are saying about a specific business or service, or add your own review.

The “talk” element of the site allows for more detailed specifics on a business or service.

Easily share your reviews on Twitter, Facebook and other social media.

–> Benefits for the Business

63 million people have visited yelp in the last 30 days – that is some kind of MASSIVE – FREE exposure for your local business. People who may never otherwise have heard of your business or perhaps forgotten about you can get acquainted with you.

Any local business with a physical presence can benefit from being listed at Yelp.

Business owners can add their own business listing (if not already listed) to ensure that their contact information is accurate. They can also add photos and message customers.

Business owners (or Managers) can reply publicly to reviews or comments posted about their business.

Business owners can pay for premium advertising, called Yelp Ads.

Business owners can see what people are saying about their business and pinpoint for correction, problem or services issues in their operation.

Recently Yelp has added Events listings as well. So if you are organizing an event, submit it and get instant exposure. Visitors to Yelp, in your location will see your listing as Yelp will scan the geographical location of the member logging in, so events in their area show up.

Yelp has integrated several social media sites (FaceBook, Twitter etc) into the site so when users access these, or refer friends to the site, business owners get the benefits of even more promotion.

– Review of Yelp

For the most part, review sites like Yelp.com are GOOD for local business. The exposure for a business, is tremendous and difficult to not be seen as valuable. You get free exposure by reviews being posted, new customers are introduced to what you offer, former customers are reminded that you are still there. You as the owner or manager get come control over content, by adding your own business, then commenting often, posting pictures etc. Social media allows businesses to engage with their customers in a positive way.

Yes, there are some possible disadvantages. People can write negative reviews about your business. But if you run a solid operation these will be overshadowed by the good comments that people post. Some businesses have been known to pay people to write good reviews or offer other perks. Statistical averages will most often work in your favour if you are an honest business, doing your best to provide a quality service for your customers. Remember, negative reviews can be responded to by the business owner, or manager. Customers understand that no business is perfect. False, or off-the-wall reviews stand out as such and are often filtered, removed or rated lower in terms of helpfulness. What matters to consumers is that a business owner makes an effort to resolve problems.

For more details visit Yelp.com

What do you think of Review Sites? Helpful or not helpful? What Review sites do you like?