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Home > > Easiest unsecured cards to get after bankruptcy

Easiest unsecured cards to get after bankruptcy

A money club is a great place for people to get together and share thoughts, ideas and goals about money, planning, finance.

Here people learn about finances and ways to reach ones financial goals. Friends in the money club provide encouragement that each member needs to succeed.This is one major reason why money clubs have picked up significant momentum since their inception a couple of years ago. Their aim is not to evaluate price/earnings ratios, but to help members navigate pricky personal finance dilemmas.In a time of economic unease, by joining a money club people can establish and follow through their personal financial goals, which may include improving money management, increasing ones savings for retirement, spending intelligently, saving for children’s education, diversifying portfolio, curbing debt and advancing estate planning or buying a home etc. In order to have a successful club take certain precautions A new investment club must have a solid structure to ensure the club's agenda is carried out efficiently and without friction with legal agreements and bylaws in case the club invests jointly in order to avoid any unscrupulous person joining the club. make sure that the number of members is such that it is not too much to find a meeting place and also this would mean a higher retention and too much management would not be required.An after to easiest cards get unsecured bankruptcy investment club must have a clear way of determining each member's share at a given point in time as members are likely to contribute funds on a periodic basis, and may intend to withdraw funds from their share of the club's assets at some time in the future.Make sure that all members equally share the work. Pick a leader or rotate leadership. Stay organized. Help the members to learn and polish their stock researching capabilities, this way all the members can contribute. There should be unsecured after get to easiest cards bankruptcy regular guest speakers and field trips so that the club members are able to sustain their interest instead of sticking to the same routine.Meeting should be once a month since more of the meeting would be a burden for some people and if it is less than people would gradually loose interest. The meeting should be regular with time and venue set. Changing venues could be inconvenient for people and can derail them from their focus and subsequently lessen their easiest unsecured cards to get after bankruptcy zeal to attend. Make sure that the members are performing correct maths. This will not happen if careful attention to paid to club accounting system. The National Association of Investors Corp. (NAIC) offers instructions and software on how to keep track of contributions and gains.When looking for members of the club, one can select friends, coworker or search internet in order to make sure members have similar interest, goals and backgrounds for them to understand each other and contribute accordingly.When a member attains a financial goal, it should be celebrated with adequate prize or gift certificate. This would drive competition and thereby encourage everyone to do well.2

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You are pre-approved! Every time I check my mail there is at least one or two pre-approved credit card applications. You get them too, I'm sure. You can even have terrible credit and they still continue to flood your mailbox. And if you just filed bankruptcy you will get more of them than you know what to do with!

Credit card debt is so easy to get into--over and over again. Most people don’t feel like they are spending real money until the bill comes, and then it’s too late. The credit card companies know how to make it very tempting to fall back on any good habits we’ve created and just spend away. It’s hard to get away from, but we have to resist temptation.

When establishing good credit, one of the things we’re told to do is to get a credit card and then use it to spend wisely. Experts advise us to pay our bills on time and not to exceed the credit limit. However, no one really talks to us when we get that first card about how easily and quickly we hit that limit, or how easy it is to
miss that first monthly payment. Once you get behind, it can be really hard to catch up. Oftentimes, credit cards come with introductory interest rates that are nothing or very low. But many times, those rates soon change and you can find yourself with a full balance on your card with an 18 or 20 percent interest rate! That interest rate can then put you over your limit, if your not paying at least the minimum payment, now making you susceptible to over-the-limit fees. Before you know it, you are getting bad reports on your credit reports for credit card debt on a card that you haven’t even had very long.

Unfortunately, when times are hard, abusing credit cards is all too easy. When the economy is bad and cash is tight, it is all too easy to put your daily living expenses on your credit cards. If there is any kind of pattern like this in your credit card spending, it can build huge credit card debt pretty quickly. If you are not making your credit card payments, the credit card companies do inqui
ries to verify your address or other information. Every time they make an inquiry on your credit report, it makes you look like even more of a high risk, further worsening your credit history. All the credit card debt on your report, even if some of it is good, can make you look high risk for car loans or mortgages – especially if any of those cards hold high balances. Even worse, that bad credit report can keep you from renting an apartment or getting a job that requires a background check.

So keep in mind, as tempting as it may be to pay with a credit card, choose the “debit” option next time. It’s normal to risk it all when times are tough, but doing so creates more problems later that can take you years to fix. Credit card debt has long term risks, but if you use credit cards wisely, you can build credit that brings rewards instead.

I am going to write something that may not be popular, but if it offends you in anyway, it probably means that I’m writing this for you. I’m writing this to help you…not to criticize or belittle you. I want every entrepreneur to continue to grow throughout his online career and sometimes when we don’t accept change…we stop growing. I don’t want that to happen to you.

Lately, I’ve seen a lot of online service-based business complain that cheaper alternatives are driving them out of business. I’ve seen virtual assistants angry that anyone would work for US $10 per hour. I’m surprised by that anger because $10 is above the minimum wage in every single state in the U.S. and province in Canada (2005 statistics). Yes, I know running a VA business carries expenses, but many people working online just want enough to be able to stay home, instead of trudging to a crappy job. Good for them for being resourceful.

I’ve seen article writers and article distribution services annoyed that new software and automated process are cutting into their bottom line and causing them to lose clients. It seems the hay days of getting paid $100 plus per article are gone…or are they?

If you’re letting your business die because lower cost services are coming in – it’s time for a wake up call. Complaining isn’t going to get you anywhere, except possibly bankruptcy. As more and more people come to work online, there’s going to be a lot of people working for what you think is chump change. As programmers get more creative with technology, more processes will become automated.

A smart business person will make competition irrelevant…or as irrelevant as is humanly possible. If you are trying to get your typical “Internet marketer on a budget” to hire you for $25 per hour to answer his emails…you probably will lose out to the moms who just want to earn an hourly wage to stay home with their kids. But if you set yourself apart and target a market that doesn’t want to nickel and dime and perceives more expensive services as more professional --- your client list will grow. If you have satisfied clients paying $25 per hour, they can always refer more clients who will pay $25 per hour.

If you’re a writer and you think it’s fair to charge $100 to write an article (and honestly…well written articles ARE that valuable), realize how much money you could be making by writing articles for your own use. Plus, you don’t have the headache of dealing with clients.

This is the realization I had to come to in 2003. I was a copywriter for hire. I didn’t charge top dollar (and a few copywriters complained to me about that)…but I wasn’t at the bottom of the heap, as far as rates went. I thought if somebody would pay me $75 to optimize one website page for them…why was I wasting my time letting them earn the residual income from it? If someone would pay me $150 to write a short page of sales copy…just how much money were they earning from it to make it worth their while?

After thinking about that, I decided to quit taking clients and focus my efforts on using my own writing skills to earn me residual and passive income. Now, I make about 5 times much as I did back then and I work a lot less. Best of all, I have no clients do deal with. You see, when hire yourself out for pay…you have to keep working to earn that pay and it can be a real drain on your time and energy.

If you’ve been complaining about external changes affecting your business, really think about how you can change your own approach to make it work for you. Every business has to evolve to keep up with changing times. After all, McDonald’s did once say they’d never offer a veggie burger.

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