Debt Consolidations

Six-Figure Income School – Debt Relief – Your Conscious Mind Could Be Your Friend

What are you thinking about today? Are you worried about going to the letterbox? Are you expecting more bills? Do you recoil when the telephone rings? Is your mind awash with thoughts about how you are going to extricate yourself from debt? If these ideas and worries reflect you as a person, then perhaps you need to make time to re-educate you psyche.

Do you realize that the more you focus on the bad, the nasty things that can happen to you, the more they occur? That’s right! It’s a given. The more you nourish and develop your negative thinking, the more negative happenings will occur to you. If, for instance, you think it’s you lot in life to be poor, to be always underpaid, undervalued, to have mounting bills, to be forever anxious, then impoverished, underpaid, undervalued, anxious and debt-laden you will be.

On the other hand, you have a choice. Now, if you were to re-think those negative thoughts and turn them into positives, your life would absolutely change for the better. A word of caution though! This is not something that you begin today and hey presto, tomorrow all your problems will be solved. This re-focusing takes practice. It takes time. It uses energy. You have to stay focused. It is a process, but you can do it! Are you ready to make the changes?

The best way to start is to become conscious about the way in which you think. With that in place, then you can start the process of change.  It’s a good idea to fine yourself every time you have a negative thought and reward yourself when you have positive ones. Whether or not you ever pay that fine or actually gain that reward is your decision. You probably won’t! The fun is in seeing and being more and more aware of, the positive turn around in your thought processes. 

It works like this. Suppose that someone, a friend, makes a detrimental remark about someone you know. You have two choices. You can either endorse that remark, or, more favorably, you can respond positively about that person. Not only will you feel better, but your friend will feel badly about having made the comment. Your friend may well have learned something from you.

Another exercise you might like to do is ask yourself a question about a thought you might be having. Is it a positive thought? No? Then let it go. Better still turn it around to a positive thought.

What about the weather? It’s cold and wet. You are miserable. Or are you? Let’s look at it this way. It’s cold and wet, but hey, my house is cozy and warm, and I can stay inside and finish reading my book. Positive thinking!

The interesting thing about changing your thinking processes is that soon you will attract only positive people into your circle of friends. What you do, what you say, and how you react all have an impact on others around you. People will soon start to notice. They may even ask you what has changed for you. That will then be your chance to empower someone else. How good would that be?

Maria Rattray invites you to enjoy a lifestyle that is the envy of many. Work from home, saying goodbye to the endless traffic jams that have formed part of your working week. Work from anywhere in the world in fact. Work the hours that suit you. In so doing, you will free up quality time for your family and friends. Interested? Then Join Me Here!

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How to easily collect on tenants debt

Collecting payment is one of the toughest parts of any business. I want to tell you how I handle it, what has worked, where I am today and what I recommend for this often complicated task.

Somebody owes you money. They were living in one of your units or one of your houses. They left without paying and left a lot of damage to your place. It is going to cost you a lot of money to get the place back up and going again.

But getting the place back up and going again is our first course of action. In Ohio, we call this reclaiming the property. After the property has been reclaimed, we work to recover our money. At this time we don’t run to evictions court.

My recommendation is collection agencies. Hire one. The time and pain of the legal process is cut down this way. Collections agents are willing to work to get your money. I like going with local agencies rather than national agencies. I only hire one agent for one particular debt. You can’t spread it around or hire ten different agencies for one debt.

We pull the information together and have pictures of the damage for them. They now have proof.

Once you turn it over to a collection agency you will need to know that they will not want to go after it the first week. They want to wait 30 days to have the person get a residence somewhere. Once they’ve moved out of your place they are in limbo and tough to find.

If the collections agency waits 30 days, they have a better shot at finding them in their newly established residence.

After the 30 day mark, the agency will be aggressive-very aggressive. Because every day this collection gets older, it becomes harder to collect.

I learned this one the hard way. When I first started doing this, I had a renter move out. I made the rookie mistake of putting the collections on the back burner. I was going to decide a year later whether or not to go after them. When I made my decision, it was too late. No collections agency would go after something that old. I put it on the back burner and I got burned!

Collections shops want something that’s hot and active. They can be aggressive on that. It doesn’t matter whether the renter skipped in the middle of the night or was evicted. If it’s old news, the agents don’t want to touch it.

Often somebody who lives locally leaves your property and heads out of state to live with family in Kentucky. Maybe a local agency can’t chase in that state. But you’ll have agreements with whoever is collecting.

A lot of times its attorneys who are collecting and some of them will want 50 percent; some of them will want 30 percent. There’s always some snag. I really don’t care I just want somebody else to do it. When they collect, we pay.

The bottom line here is you get your money. This is business and it’s about the bottom line.

E. Alan Cowgill is the owner of Colby Properties, LLC. and President of Integrity Home Buyers, Inc. Since 1995, Alan has bought and sold hundreds of single family and/or small multi-family investment properties in Springfield, Ohio. Alan uses Private Lenders, not banks, to fund his real estate purchases. By doing this, he has created his own private bank of ,000,000 in funds. Alan looks for situations where the seller, the lender, and the eventual homeowner can all “Win”. He is not a Realtor, but a Private Investor, author, consultant and national speaker. He has been asked to speak on the topics of ‘Investing for the Beginning Investor.’ and ‘Finding Private Lenders.’ His home study system, ‘Private Lending Made Easy’, shows new and seasoned real estate investors how to find private lenders for their own real estate business.

His website is

Six Keys To Minimizing Student Loan Debt

If you’ll be dwelling on campus, could you move back again dwelling to reduce space-and-board fees? If you won’t be working, could you get started? Could you transfer to your state public university or to a native local community school?

Also make certain to familiarize your self with scholarship and grant sources, federal education loans and private university student loans (and the variation between the two), and other prepared resources of revenue for school that you can flip to must you want to.

Several years back I applied to university & acquired an acceptance letter back about 3 weeks later on. It was a joyous event. But it was now time to figure out how to pay for a university degree. It was a 12 months prior to NJStars (which has because fallen off the way side) was launched for pupils with good grades & I knew I couldn’t manage to spend for university myself. I also understood my mothers and fathers had been unwilling to contribute anything in the direction of my schooling.

So I swiftly contacted my uncle. He compensated a bulk of my college fees & when a semester was as well a great deal, he co-signed a loan for the harmony. When I was able to spend off the loans fairly easily due to a fantastic job I’ve seeing that observed I left a good deal of sources on the table.

Now as an educator my college students have started to request concerns. I have made guaranteed to alert them of numerous points I failed to utilize properly. The initially point I tell them to do is use for their FAFSA. It will ascertain if the government deems them qualified for aid. They could get PELL grants or other government funds they will by no means have to pay back.

Then I notify them to make certain they appear for scholarships. I 1st recommend they check out with their college advice counselor to see what is readily available locally. Then I suggest they contact the schools they’re interested in attending. I state that normally the economical aid offices at the university/university of their selection will present scholarship details they won’t know about, except if they request about it. For illustration, some schools supply scholarships primarily based on what main you’re taking – as a way to improve enrollment in that plan. You won’t know about these scholarships unless you request.

Then, once they’ve exhausted talking with actual persons about scholarships I tell them to search the internet. There are hundreds, if not millions or scholarships out there to be had. Luckily a range of websites put them all in a search-ready database for straightforward access. The scholarship search internet site I’ve recommended to most of them is FastWeb! as it appears to be the best a person to navigate.

I then indicate there are several other ways to generate funds for university. Volunteering around town could end result in the organization contributing towards your education. Functioning at huge chain shop this kind of as McDonald’s, Wawa or KFC can consequence in your career paying out a portion of your school fees. The most disregarded way to reduce college expenses is locating scholarships/funds made available centered on a sport or other activity.

Stancey is a author for College student consolidation mortgage is a predicament in which sequence of loans are mixed with each other to make one particular even larger loan from a single lender.

student loan debt,

More Information at student loan debt blog here.

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