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Ever wonder how professionals actually manage to get all that disgusting goo from grease,fats,and oils and liquid waste from the drain pipes that tend to almost always block and clog? While some might consider the process through which these pipe hindrances are eliminated to be like magic,it is really more complicated than that. Professional drain cleaners not only cut scrape the goo from the drains,but they also utilize certain high-tech machinery and tools in fixing your pipes. Drain pumping that use large trucks in ridding of the accumulated lumps and objects is,perhaps,the oldest form of drain cleaning process around. With the innovations in new technology,the tools for drain cleaning have also developed into more advanced object that ooze of convenience and time-saving services. For the ordinary citizen,it is healthy to understand the ways through which you could have your drains cleaned. It is a good way to know which of the ways is more fitting to the type of pipes you have at home.Payless Plumbing Fort Lauderdale

In observing and inspecting drain pipes,professionals already utilize new technology so as to save time and promote convenience. The innovations that are used in the drain pipes inspection also help prevent unnecessary close contact to wastes that might be harmful to the human body. Before the actually drain cleaning is done,professionals may inspect drain pipes through the use of small cameras that could enter the pipes without much problems. These CCTV cameras give the professionals a glimpse of what might be causing the drain clogging in the first place. Through this initial inspection,the professionals would be able to discern which process of cleaning and pumping the drains to use. The flexible and long CCTV camera entered into the drain gives back footages of the insides of the piping,and the objects that might have already accumulated in it. After the initial surveying,professionals could use either of the two new technology ways of cleaning drains to rid of the clogging. The first way is hydro jetting (high pressure water jetting). It is considered to be the quickest,simplest,and the most effective way of drain cleaning done by professionals. A high pressure water nozzle is inserted into the pipes providing continuous high pressure water in order to dissolve flush and clean away all the objects blocking the pipe. The objects are blasted so as to liquefy any solid objects and allow the blockage to freely pass through the pipes. The second is the electro-mechanical cleaning (drain snake) which involves the use of a specific type of rod to mechanically scrape the blockage that are blocking the passage of water. This second type if more fit for smaller domestic pipes found inside the home like sink pipes. It utilized manual force in scraping away the objects blocking the pipe.

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Whether we are talking about clogging in large drain pipes underground,or clogging in small domestic household pipes,it is always important that you consult professional drain cleaners to avoid complications and problems that could happen.

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By John Sage

Let’s get where we left things partially 1. Let’s return a step and also think that we will accept a return of 6%. If we invest a $100,000 today,the present value is $100,000.

Assuming a capital growth rate of 10% indicates that the building is worth $110,000 in one year’s time.

Timing of your financial investment return does issue.

Investment A think:

you invest a $100,000 in a building,

after one year your building has actually climbed up in value by $10,000.

Investment B think:

You acquire your financial investment and also one month later on rates of interest go down,

Your financial investment jumps in value by $10,000.

In both medical history the capital growth that has actually taken place is the same for the year,a total amount of 10%. However which is more suitable if we had a choice?

A lot of capitalists will like the second choice. The earlier we have the earnings that earlier we can make choices regarding exactly how to deal with our brand-new and also delighted scenario.

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Just how to contrast financial investment return from different investments

It is for just this reason that we require the Interior Rate of Return to measure the difference in timing of our return.

The Internal Rate of Return permits us to contrast one financial investment to another. The Internal Rate of Return also provides a guide to just how much we need to spend for any individual financial investment.

As the time over which we possess an financial investment increases,so does the significance of the IRR. Whenever the timing of our financial investment return is important,which is generally,we are going to be interested to understand our IRR.

The Internal Rate of Return is perhaps the solitary crucial device to be understood by all capitalists.

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If you were injured in a car accident,you could be entitled to compensation. Also known as ‘damages,’ financial compensation can cover property damage,medical bills and expenses,and missed time away from work. If you were only partially at fault for the accident or not at fault at all,you can file a personal injury claim to ensure you receive the financial compensation you are entitled to. Knowing when to call ainsurance claim for a car accident for a car accident is important as there is a certain timeline that has to be followed when it comes to filing a personal injury claim.

ersonal Injury Lawyers

Personal injury lawyers know how to handle a car-accident related injury. If you have been injured and were not at fault,you will want to call a personal injury lawyer right away. Not only will your personal injury lawyer advise you on what to say and what not to say,they will get the process of filing your claim moving along.

You will want to file your claim as quickly as possible. Personal injury claim laws and regulations vary from state to state,so assistance from a local personal injury lawyer who is familiar with the negligence laws that pertain to where the accident took place is key.

Having aTampa advocating for you is the single best way to move your claim along and get the maximum compensatory amount possible. Having a lawyer will ensure that all paperwork,documents,and records are where they need to be,filled out correctly,and filed on time.

Personal injury lawyers save their clients a lot of time and money as mistakes are costly and time-consuming. If you were injured in a car accident,calling ainjury attorney immediately is the first step to receiving any financial compensation you are owed.

When you are in need of a water heater repair,call Hoffmann Brothers,we’ve got technicians who can look after all your water heater requirements! Water heater repair should deal with the particular problem you’ve got. If this is the case,you may require water heater repair or replacement.

Water Heaters are the absolute most ignored appliance in your house on account of the location being in the basement or utility area. Before you commence replacing water heater,you have to make certain that you have all of the essential tools like hacksaw,screwdrivers and other essential tools. If you’ve got an electric water heater,simply switch off the electricity at the primary service panel.

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In the event the water heater is gas,check to be sure the pilot light is out. Water heaters are extremely crucial for every home. Don’t let a busted water heater disrupt your day-to-day routine. If you are in possession of a broken water heater,the very best thing you could do is to schedule service with a specialist.

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How often your heater needs flushing depends on the hardness of the water in your region. Since the tankless heater doesn’t have a pilot light and doesn’t have a huge tank full of heated water losing energy constantly,it’s more energy efficient. Therefore,if you believe your water heater is in trouble,don’t wait to have it repaired. Tankless or On-Demand water heaters on the opposite hand are a fantastic alternative to conventional tank water heaters since they provide unlimited,continuous hot water.

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Search engine optimisation is the process of altering a site to rank near to the top of search engine result pages for some targeted phrases. However SEO is continuously changing and things that used to work a few years earlier,are now no longer considered the correct way to optimise a site. You have to remember Google has been continuously changing search rules and has also introduced new technologies such as Rank Brain to provide the most optimum results for their users.

Since the rules are not published,professionals in the SEO industry are forced to conduct their own tests in order to determine the factors that truly determine the rankings of web sites in the search engine result pages. All the knowledge about SEO is derived by hardworking professionals by carefully going through patents filed by Google as well as by carefully carrying out tests in order to determine what works.

The field of SEO can be broadly divided into on page optimisation and off page optimisation.

On Page Optimisation

This category broadly covers all the parts of a website that are under the control of the website owner. For instance,presence of correct Meta Data,Structured Data,high-quality content,use of LSI keywords,page loading speed,technical aspects of SEO such as allowing crawlers proper access to all the webpages form the basis of on page optimisation.

There are several tools available online that can help a webmaster ensure proper optimisation of all the content on a website as per the guidelines issued by major search engines including Google and Bing among others.

Off Page Optimisation

This category primarily covers links from other websites. While search engine optimisation has evolved a lot over the years,links from other websites remain a primary factor in the determination of the ranking of a web page.

One of the best ways to attract high quality links is to create authoritative and useful content every week. Such content naturally gets high-quality links. Another way to attract high quality links is to run a blogger outreach campaign in order to get links from other authority websites by publishing high-quality content on those websites.

SEO Tips for 2019

One of the biggest changes expected in 2019 and in the future,is the rise of voice search. Most people use search engines such as Google on their mobile devices and the primary mode of search is voice search. Therefore,it is vital to optimise your website for voice search by answering questions that are likely to be asked by users.

Google has recently announced that it is switching to mobile first index. In simple terms, this means that the mobile version of your website will be considered the primary version by Google for crawling,indexing and ranking purposes. So,make sure your site is well optimised for users using mobile devices,like smartphones,as well as those using desktop PCs,if you want to stay at the top of search results.

Conclusion

Overall,search engine optimisation will keep changing as rule updates become more frequent. The finest way to optimise your website is to make sure that your users are well served and entertained / informed. Keep posting high-quality content on your website and pay special attention to the user experience to get to the top of the rankings.

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A sewer line inspection provides the best way to determine if you have any problems with the pipe between your house and the main sewer line,which is maintained by your local village,town,or city. You are responsible for maintaining your home’s sewer line,and obviously it is to your advantage to do so,since any issues could diminish the effectiveness of waste disposal. There are several situations where it will be advantageous to you as a homeowner to conduct a sewer line inspection,and one or two situations where it really isn’t necessary.

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How is it conducted?

A tiny camera is introduced into your sewer pipe line,and it can be passed through the entire length of pipe,up to the point where it intersects the main line,all the while returning live video to a technician monitoring its progress. Any cracks,holes,or other intrusions will be easy to detect during this process,and any necessary remediation can then be considered and planned. This video is usually recorded to provide a good reference for determining whether any kind of maintenance,repairs,or replacements will be needed.

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When is an inspection necessary?

The most obvious situation where an inspection would be necessary is when you are experiencing problems with your sewer line,for instance some kind of backup which is leaving your bathroom a smelly mess. A video inspection will tell whether you just have an obstruction in the line,or whether you have a breach in the pipe line which calls for repair or replacement. Regardless of what’s causing the problem,the best way to find out what it is,will be to get a video inspection so you can actually see what’s happening.

You may be informed by the city that your sewer line has a problem,and that you have some period of time to carry out repairs. Since local authorities routinely inspect their own sewer lines for problems,they can also tell when other incoming lines are causing problems. The city will not generally inform you exactly where the problem might be in your line,so it will be up to you to have that done. You can hire a professional to excavate and repair the damaged part of your home sewer line to comply with the order.

When you are considering the purchase of a new home,this is another time you should conduct a video sewer line inspection. Once you commit to the purchase,any sewer line problems become your problems,and that will add some unknown amount of expense to the cost of your purchase. By having the inspection done prior to buying,you might save yourself a lot of headaches,and probably a fair amount of cash as well.

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When is this inspection not necessary?

It is not actually required that you conduct a sewer line inspection before you sell your home,although you would be wise to do so. If a problem was detected before the sale is made,that would almost certainly kill the deal,or at least delay it considerably. You really don’t want any surprises when you’re trying to sell your home,so it would be worth your while to have the inspection done – but you are perfectly free to take your chances,and hope that all is well.

By John Sage Melbourne

All humans have the capability to discover as well as grow. Therefore,from the perspective of human development,it is not a tragedy if somebody remains in the battler phase of his/her development (despite the fact that the battler phase is practically a phase of ‘non-development’). Lots of people that have actually created riches in their lives through aware option as well as initiative have actually begun with this phase. It is a tragedy,however,if somebody never ever learns to grow beyond this phase of having to continuously battle with daily economic pressures.

Lots of people usually ask,”just how does somebody development out of the battler phase to the Amateur Investor phase?” As currently specified,the process starts with awareness as well as inspiration. Several battlers,however,might become aware of their behavioural patterns that limit their economic development yet still never ever become inspired enough make a modification. Therefore,a more basic inquiry to ask is,”what keeps somebody in the battler phase as well as consequently stops them from progressing?”

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There are 4 major reasons that a battler might find it tough to break away from their existing economic patterns:

Anxiety

Greed

Conditioning

Restricting Beliefs

Anxiety

The emotion of worry can show up in numerous means,ranging from a ‘worry of failure’ to a ‘worry of success’. Various other related anxieties that are usually mentioned by non-investors are ‘worry of loss’,’worry of rejection’,’worry of the unknown’,’worry of being incorrect’,’worry of looking silly’,as well as ‘worry of not being good enough’. From a developing perspective,it is important to discern the difference between the types of worry that develop from lack of knowledge (including absence of experience) from the types of worry that are more pathological in nature. The former calls for understanding,training,as well as individual development while the latter might require restorative treatment.

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By John Sage Melbourne

The second type of battler as those we call “The Misdirected”. They are misguided in the feeling that they operate from a idea system based on incorrect assumptions,imprecise details as well as erroneous final thoughts. To put it just,they are misguided since they have actually been conditioned with misinformation regarding wealth,cash as well as financial investments. Wide range creation is difficult for them as their misguided idea system automatically restricts their potential for wealth or worse yet,may even avoid them from getting any degree of wealth in any way.

This misinformation comes in various kinds as well as from many resources. A few of the most usual kinds as well as resources are:

• social sayings as well as clichés.

• bad suggestions from authority numbers.

• unacceptable generalisations from personal experiences.

• inadequate role models.

• opposing beliefs.

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Social sayings as well as clichés

Everyone are exposed throughout our lives to the sayings as well as clichés of our society. When it involves the topic of wealth we usually listen to such social “wisdom” as,”cash is the root of all evil”,”cash can’t buy you joy”,”cash isn’t whatever”,”real wealth is greater than just cash”,” the abundant get richer as well as the inadequate get poorer”,”it takes cash to make money”,”cash doesn’t expand on trees”,as well as more.

The difficulty for us as designers of wealth is to recognize which of these ‘words of wisdom’ are actually wise as well as which are not. Most of these clichés only use in particular contexts as well as situations. Seldom do they ever use in all scenarios in any way times for everybody. The “Misdirected Combatant” usually thinks as well as operates from these clichés (as well as usually quite outside of their aware understanding) as universal truths. However,a lot of these clichés not only prevent monetary success but in many cases are actually not true! As an example,any great capitalist will certainly tell you that it doesn’t always take cash to make money. You can,as a matter of fact,make substantial sums of cash without having any of your very own cash at the beginning.

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Failure to meet your responsibilities as a company director could cause to be at the risk of disqualification. After disqualification you will no longer be able to act as a company director,for a given period,without the OK of the relevant court.

The Company Directors Disqualification Act of 1986 sets out the rules of disqualification. In addition to being prohibited from acting as a director,disqualified directors are also restricted from asking a third party to manage a company under their instruction.

Disqualification lasts for a 15 year period. Breaking the disqualification rules however,could lead to an extension of this period in addition to a two year jail sentence.

As you can imagine,a disqualification can have a significant impact on your professional and personal life; something you will want to avoid at all costs.

Common Reasons For Disqualification

Before looking investigating a director,the Insolvency Service always starts if it finds a good reason to do so.

Here are some of the common ones:

• Unfit conduct

• Failure to maintain proper accounting records

• Failure to file tax returns on time and/or refusal to pay the company’s taxes

• Utilizing company cash for personal expenses

• Exercising bias when paying creditors during insolvency

This is only a short list the complete list is longer.

Not Getting Disqualified

Here’s a little list of some of the steps you can take to avoid disqualification.

First Keep To The Rules

There are lots of reasons why the Insolvency Service might seek an order to have you disqualified from acting as a director,as discussed above. Now that you have a clear idea of what these reasons are,keeping to the rules can help you avoid disqualification in the first place.

As a director,you should ensure that proper accounting books are kept,returns are filed and taxes paid within the set deadlines etc.

Have A Good Understanding Of Your Duties As A Director

Failure to fulfil your legal duties as a director} amounts to reasons for an investigation into your conduct. This makes it essential that you familiarize yourself with all the things you have to do,in addition to doing your best to fulfil them.

Blaming your failures on ignorance or other officials working under you will not help you avoid disqualification!

Insolvency issues

Continuing to trade after the company is declared insolvent is one sure way to get disqualified. To ensure that your actions do not lead to a disqualification,be sure to seek professional insolvency advice as soon as you discover that the company is facing serious financial problems. This advice should be documented for use in any disqualification proceedings.

If trading continues even after you discover the signs of insolvency,document the reasons why you are still trading,and keep records of how you are tracking the company’s financial health to ensure that you can see when to cease operations.

Using the above tips will help you to avoid disqualification. However,if you do end up facing issues that may lead to a disqualification,these tips can also help you explain why you did what you did to investigators from the Insolvency Service and even a court of law.

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Today,a core part of any successful modern marketing campaign is digital marketing. There’s tons of noise out there,countless marketing channels,and digital marketing is more complex than ever. One of the greatest advantages of using a digital marketing agency is that you can allow them to renew your marketing from the ground up while you focus on running your enterprise. The value of having a certain digital marketing agency for any form of business is practically boundless.

A Well-designed Social Media Digital Marketing Strategy

A great deal of businesses are finding it hard to stand out on social media,due to an increased competition in social marketing. Claiming premises on social media will help you solidify your brand,as these profiles rise to the top of Google and defend your online reputation,just like they do any major brand. They are highly beneficial to SEO as well.

Being a digital focused digital marketing agency,the primary intention is to inspire,energize and innovate brand conversations,engagements in mobile,online and all other media. Customers want to be part of the conversation,and social media branding allows these conversations to happen on your own territory.

Web Design & Layout

If the website is mobile-friendly,a responsive design plays an essential part in making a website and a website that’s mobile-friendly enjoys a lot of search engine traffic.

Whether you are looking to make a blog,portfolio display website or a local business website,it is key that your website be correctly optimised and organized,because search engines place and find a website based on specific criteria. A great UX on a website is critical for to assure your website ranks highly on search engines. You will bring the right kind of people into your services,who really want to know more about your enterprise,by having a well-written website.

Search Engine Optimization And Digital Marketing In General

A better digital marketing agency will have a proven history in delivering highly effective SEO,social branding and press-building campaigns.

On-page optimization will increase the value of your website in every feature of digital marketing,giving your customers & prospects the content they want,and helping Google understand what your site’s about,which is vital to great SEO rankings.

With vast experience in both Search Engine Optimization and social branding,Agency Intelligence AI at AgencyIntelligence.CO/ is eager to partner with you to grow your brand dominance in the industry. We’ll study and track your digital marketing progress,and get the maximum ROI for your organization. There is no other digital marketing agency you would want to partner with,when you desire to make a powerful impact on your clients and make your business flourish.

The range of digital marketing is constantly expanding and evolving,with the promotion of technology. In case you’re struggling to keep up,there’s help! Agencies like Agency Intelligence (agencyintelligence.co/) keep you ahead of the game in every way,helping you adapt to the newest marketing methods in a way that doesn’t assault you with tech nerd lingo. You understand the value you receive out of your brand growth.

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Hiring a Debt Settlement company to negotiate on your behalf with credit card companies can save lots of time and money for you.

In this day and age in which the economy has been so tough for so many American households it is becoming increasingly difficult for families to stay current on all of their major household bills.

Families have established several key priorities during this time of crisis starting with first paying the mortgage payment on time every month,second,paying the car payment,and finally ensuring that groceries are stocked in the refrigerator for them and their children.

Ensuring that the minimum payments are made on time every month for the credit card bills has been relegated unfortunately to a secondary item of importance. It is becoming somewhat of a luxury to use the credit cards and ultimately make the payments. If you are experiencing difficulty making your credit card payments on time and have completely given up,you may want to consider hiring a professional debt settlement company to negotiate on your behalf with your creditors.

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Speaking to the creditors on your own trying to negotiate the payments down can hurt you in both the short and long term and cause you to waste lots of time and money. An experienced Financial Consultant at a reputable debt settlement organization will likely have many years of negotiation experience under his or her belt and may quite frankly have many long established relationships with some of the creditors he or she is negotiating with on your behalf. Those key relationships are meaningful when it comes time to finalize a deal for you. It can mean the difference between you paying back much less than half of what you owe to your creditors or being sued in court,defaulting,and being forced to pay back the entire amount that you originally borrowed.

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At the end of the day if it doesn’t save you dollars it doesn’t make sense. For example a good debt settlement company can end up saving you more then sixty or seventy cents on every dollar of credit card debt. And,if you are fretting about the idea that some creditors will not work with debt relief companies… fear not… they all work with them,but to save face publicly they are forced to admonish the debt relief industry.

In the final analysis negotiating on your own can be extremely damaging because creditors can damage your credit,your bank account,and your self confidence. Believe it or not,the employees at the credit card companies have been known to say and do the darnedest things to collect a payment. They particularly want you to keep keeping on making those minimum payments each and every month like clockwork… with of course very very little ever paying down your principal balance. So,get a professional to step in and pull your weight. Fear not,there are reputable companies that for a nominal fee will represent you properly and effectively.

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The average American household has over $15,000 of credit card debt. Many of these families are struggling to make the minimum monthly payments,and some are using plastic to cover daily living expenses such as groceries,transportation costs,and medical co-pays. Despite improving economic conditions,more and more credit card users are receiving phone calls and letters from creditors that their payments are past due.

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If you have too much debt and stress,now is the time to stop this destructive cycle and get the help you need from a debt reduction program. This article teaches you the principles of debt settlement,one of the most popular forms of debt relief.

What is debt settlement?

Debt settlement–also known as debt arbitration,debt negotiation,or credit settlement–is a debt relief approach where negotiators communicate with creditors on your behalf to settle your debts to reduced and agreed-to amounts. Only unsecured debt-credit cards,medical bills,and personal loans-can be negotiated. You cannot settle mortgages,rent,utility bills,cell phone and cable charges,insurance premiums,car loans,student loans,alimony,child support,taxes,or criminal fines.

Once you enroll in a debt settlement program,your negotiation team opens a trust account for you. You must deposit up to 50% of your unsecured debt into the account over a period of 24-60 months. This money is used to settle your debts with creditors. Because the average debt settlement firm is for-profit,you must also pay the company a 15-25% service charge. This fee is based on the original amount of your unsecured debt or the amount negotiated,depending on the debt settlement company.

Most debt arbitration companies use a third-party escrow service to “warehouse” the money that they will later use to fund the settlements they negotiate for you. The most common escrow company is Global Client Solutions. Sending money to your trust account is generally done through ACH on the same day each month. If your checking account is with a bank where you also have a past-due loan or credit card balance,it is suggested that you use a different bank for your debt settlement program.

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Here are three things that a debt arbitration company must tell you before you enroll in their program:

1. You must be given an “upfront estimate” in writing of all costs associated with settling your debts to reduced and agreed-to amounts.

2. You must be given an “estimated timeframe” to reduce your debt.

3. You must be told that debt settlement can adversely affect your credit score.

Here are some examples of what a debt settlement company cannot tell you:

“We can eliminate 50-70% of your debt.”

“We can settle your debt to pennies on the dollar.”

“We can cut your debt in half.”

“Debt settlement will not affect your credit score.”

“Calls and letters from creditors will stop once you enroll in a debt settlement program.”

“Debt settlement does not affect your taxable income.”

“Once you join a debt settlement program,you will no longer have to communicate with your creditors.”

If you are considering debt settlement,here is what you need to know first:

1. Debt settlement will not solve your careless spending and savings habits. The only way that you will ever achieve lasting financial freedom is to apply the dynamic laws of financial recovery to your everyday life. These smart-money principles will help you to establish spending and savings habits that are built on solid bedrock. They are discussed in a separate article entitled “The Dynamic Laws of a Successful Financial Makeover.”

2. Debt settlement should not be confused with bill consolidation,another form of debt reduction. Bill consolidation-also known as interest-rate arbitration-takes your high-interest credit cards and loans and consolidates them into one,low-interest loan that you can afford. In other words,you’re taking out one loan to pay off many others. Bill consolidation does not reduce the outstanding balances that you owe to creditors. It only lowers your interest rates.

3. One of the primary reasons that people choose debt arbitration is to avoid filing for bankruptcy protection. Here are five reasons why the consequences of bankruptcy can be overwhelming:

Bankruptcy stays on your credit report for 10 years and adversely affects your credit score.

Bankruptcy will follow you for the rest of your life. For example,many loan,credit card,and job applications ask if you have ever filed for bankruptcy protection.

Bankruptcy cannot eliminate alimony and child support obligations as well as criminal fines.

Except in very limited circumstances,bankruptcy cannot wipe out student loans.

Bankruptcy cannot prevent a “secured creditor” from repossessing property. According to Nolo.com: “A bankruptcy discharge eliminates debts,but it does not eliminate liens. So,if you have a secured debt (a debt where the creditor has a lien on your property and can repossess it if you don’t pay the debt),bankruptcy can eliminate the debt,but it does not prevent the creditor from repossessing the property.”

4. If your unsecured debt is $10,000 or more,debt arbitration could save you more time and money than bill consolidation. Here is why: With debt settlement,your unsecured debt is reduced by up to 50% and you will not have to pay added interest on the remaining balance. This is not the case with bill consolidation,where is there is only a reduction in interest rates. As a result,a debt settlement program can have a shorter repayment term than a bill consolidation one.

5. There is no public record that you have ever settled your debts.

6. With debt arbitration,reduced balances appear as “paid in full” or “paid as settled” on your credit report.

7. Debt settlement adversely affects your credit score.

8. Never let a debt settlement company pressure into joining their program.

9. Don’t hire a company that has no interest in your specific financial needs.

10. Before you enroll in a debt negotiation program,review your budget carefully and make sure that you can afford the monthly payments. Don’t be surprised if you have to eliminate certain nonessential expenses.

11. During the debt settlement process,calls and letters from creditors might continue. Enrolling in a debt settlement program does not automatically stop “lawful collection activities.”

12. Debt arbitration can be a gamble because some creditors might refuse to negotiate. In such cases,you are responsible for paying the outstanding balance on the creditor’s terms.

13. As we mentioned above,only unsecured debts such as credit cards and personal loans can be negotiated to reduced amounts. You cannot settle mortgages,rent,utilities,cell phone and cable bills,insurance premiums,car and student loans,alimony,child support,taxes,or criminal fines.

14. You might suffer tax consequences. For example,if you owe $25,000 and settle for $15,000,the $10,000 difference is considered taxable income. The creditor must send you a 1099-MISC reporting a “discharge of indebtedness income.”

15. A debt settlement company cannot represent you in court unless it is also a law firm.

16. Debt arbitration cannot prevent the foreclosure of your house or the repossession of your car.

17. Despite warnings from the Federal Trade Commission (FTC),some debt settlement companies still engage in unfair business practices. The Federal Trade Commission advises: “Before you enroll in a debt settlement program,do your homework. You’re making a big decision that involves spending a lot of your money that could go toward paying down your debt. Enter the name of the company name with the word ‘complaints’ into a search engine. Read what others have said about the companies you’re considering,including whether they are involved in a lawsuit with any state or federal regulators for engaging in deceptive or unfair practices.”

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Here are some factors to consider when choosing a debt settlement company:

1. How long has the company been in business? How much consumer and business debt does the company manage each year? How many individuals,families,and businesses does the company counsel each year?

2. Are you assigned to an experienced financial counselor to ensure that your debt settlement program flows smoothly from start to finish?

3. Is the debt arbitration company a member of the Online Business Bureau as well as their local BBB? What are their ratings with both bureaus? What kinds of complaints have been made about their services?

4. Is the company an active member of TASC,(The Association of Settlement Companies). TASC requires that all of its members maintain a stringent set of standards in doing business with consumers and businesses.

5. Is the debt arbitration company a member of Dun & Bradstreet,the world’s source authority for business insight?

If you’re struggling to pay off your debts,any offer that promises “guaranteed” debt relief may sound very appealing. Who wouldn’t need some help with his monthly payments?

However,can a debt relief program really lower your interest rates and reduce the amount of money you owe? If so,what’s the catch? It’s smart to ask these questions before enrolling in such a program.

Debt is a problem that you’ve probably spent years creating,so don’t go looking for a quick fix! A legitimate debt relief company will never falsely promise to resolve your debt in less than a year – a monthly payment plan should be offered instead. A realistic debt relief program should be designed – just for you and your specific situation.

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According to the non-profit National Association of Consumer Bankruptcy Attorneys,only one in ten debtors participating in these programs actually ends up debt-free in the promised period of time. Find a legitimate company that can deliver on its promises! And remember that a road to being debt-free is rarely smooth,or short.

Beware of companies that claim that they can negotiate one-time settlement with all of your creditors. That will dramatically reduce your principal,they say,and your monthly payments will drop like a stone. What these companies promise is a fairy-tale: a beautiful and highly appealing,but impossible dream. It would have been great if it was true,though.

Inform yourself in advance about the fees you are expected to be paying. You shouldn’t be paying any fees until you actually get debt relief.

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To qualify for a program,your debt must exceed a certain amount,and you have to prove that you cannot make the minimum payment required. If you pay your monthly installments on time,your creditors may refuse to negotiate any debt settlement with you – why would they?

Enrolling into any debt relief program will therefore force you to default. That certainly comes with its own set of problems! Your credit rating will be damaged,probably severely.

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Obviously,if your credit is already damaged,that is one problem you don’t need to worry about. So,should you try to settle your debts this way? The decision is easier to make for those debtors who are only a step away from filing for bankruptcy. No matter how things get desperate financially,take time to find a reputable debt relief company that doesn’t over-charge or over-promise.