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~Archives~
Wednesday, September 5, 2007

~Credits~

Collecting Past Due Accounts - Things You Should Never Say
COLLECTING PAST DUE ACCOUNTS: - Things You Should Never Say
By Jim Finucan
© 2005 Tiare Publications
221 words
There are a number of lines which have no place in a collections
call. If you find yourself using one or more of them – or something
similar you need to do a reevaluation and change your approach.
"I don't know what to tell you."
It's your job to know what to tell these people! If you don't know
then think of something aimed at getting the balance in full (and be
quick about it!)
"OK. I'll wait to hear from you."
Not a chance! You need to say something like
"I will call you frequently to inspire you to get this money and I
will be relentless – you might even say `driven.'"
Never forget that debtors are procrastinators by nature.
"Let's wait to hear from your insurance company."
Whenever you hear a debtor use the word "insurance" watch out for
the stall. Don't get taken in.
"Can you send a payment this month?"
There goes any chance you have for getting the balance in full. This
question is not a tactic. It has no teeth in it.
"Looks like you are doing really good with your payments."
This statement is a contradiction in terms. Partial payments are not
your goal. Such a statement also reassures the debtor that it's OK
for him to continue them, rather than paying the full amount.
(End)
.
Jim Finucan knows all about the dances, dodges and delays debtors
will try to pull. Let Jim show you how to double or even triple the
money you collect from your accounts receivable. Check out his
unique collections manual "Past Due." For more information visit:
http://www.tiare.com/pastdue.htm


Finding fast life insurance
Since the widespread growth of internet usage and database building it's never been easier or quicker to find fast life insurance. There was a time not long ago that the project could drag out forever. The process began with phone colds and lots of dialog between you and agents about various policies, options and underwriting requirements. Today fast life insurance is possible.
You simply kick off your shoes, grab your favorite drink, boot up the computer and log in to the internet. Then you type in what you're looking for and bang the results pop up on the screen for your review. That alone saved you a lot of time and talk.
Then you review the sites for quotes and results. Most of these services provide you data on the most aggressive carriers available. They aren't biased generally speaking as they make their money regardless of which program and so forth that you buy.
This entire shopping process can be done in less than an hour and finding the best offers as well. If you have questions there's normally a phone number or email address for you to use.
You simply fill out and online application and you;'re almost done. If your age and amount of insurance require a medical examine you'll be contacted immediately and schedule for someone to stop by for probably a half hour to take your blood pressure, obtain a urine sample and ask you a few questions.
This whole process is very simple and as you can see that's pretty fast life insurance.
About The Author:
Rolf teaches you the how of finding fast life insurance. You'll also be able to unveil the very best rates for your needs. 2 simple steps and poof that's it. Visit:
www.insurance-stuff-4u.com


Paying Off Your Credit Cards and Other Bills
Paying Off Your Credit Cards and Other Bills
By Terry Rigg
If you maintain a balance on your credit cards you are probably paying hundreds of dollars a year in interest. This is money that could be put to better use.
There is a simple method of paying off credit cards that doesn't require too much extra money each month. This method is called payment snowballing. While your biggest gain will be from paying off credit cards, you can also use this method to pay off installment loans, your mortgage, medical and other bills.
By snowballing your payment you start paying off credit cards and adding the money you were paying on the paid off credit card to the next one. This is one of the quickest ways to eliminate your credit card debt.
I have developed a simple form to help with this process. At this point you may want to look at a sample payoff schedule at http://www.homemoneyhelp.com/sampleccpayoff.html . You enter the name of the credit card, amount you owe and your actual payment on the form. For a printable copy of "Snowballing Your Credit Card Payment Schedule" use this
link: http://www.homemoneyhelp.com/ccpayoff.html . You may enter your figures on this form before you print it. It is best to list the credit cards in the order you wish to pay them off.
There are two schools of thought about which way is best. Many experts believe that paying the credit cards with the highest interest first is best. You then go to the credit card with the next highest interest and so on. Personally, I believe people need to see results quickly. I recommend paying off the credit card with the lowest balance first and then go to the next lowest balance, etc.
Whether you start with the highest interest rate credit card or the one with the lowest balance it will ultimately achieve the same results.
Your next step is to determine how much you can afford to pay toward eliminating the debt. Since you are already making at least the minimum payment, you can start by adding the minimum payments for all of your credit cards. Then check your budget to see if you can afford to add any money to your minimum payments. Visit http://www.homemoneyhelp.com/BBOonline.html to setup a simple budget. It's FREE.
At the bottom of the payoff schedule you will find a table to help determine how much you can pay. Once you have determined how much money you have to put toward paying off this debt, list it at the top of the form.
Your next step is to establish your scheduled payments for each credit card. It is best to set a constant payment at or a little more than the minimum payment to all of the credit cards except the one you are currently trying to pay off. Keep paying this constant payment month after month even though your minimum payment will go down. This alone will make your balance go down faster than paying the minimum payment.
Refer to the sample payoff schedule at http://www.homemoneyhelp.com/sampleccpayoff.html. You will see that the Visa Card will be paid in the 4th month, requiring only a $15 payment of pay off. These figures are only estimates because they do not include interest.
Notice that also in the 4th month an additional amount is added to the MasterCard. To arrive at this figure, you simply add the $15 you paid toward your visa to the $35 you pay on discover and deduct it from your allowed amount. Example: $15+$35=$50; $130-$50=$80
One of the key points to make this system work is that you have to make a commitment not to use the credit cards. Each purchase will throw you further behind.
Terry Rigg is the author of Living Within Your Means - The Easy Way http://www.homemoneyhelp.com/ebookadpage.html and editor of the Budget Stretcher web site. Join the thousands of subscribers to The FREE Budget Stretcher Newsletter and get great articles, tips, downloads and a lot of Budget Help by visiting his home page at http://www.homemoneyhelp.com