1 Advice That Holds Back Teenage Entrepreneurs Of Scaling The Online Business

Emery

Making handsome money online for anyone is by no means an easy task. Every individual wants to do that. Nobody likes to get up early in the morning at seven and work for anyone else in the cubicle 5 days every week. Kids do realize this very early in the teenage years and due to this, the majority of the internet marker is below the age of 25. However, the majority of them barely make money.

These teenagers put in plenty of hrs every week, still have nearly nothing to showcase for it. In the meantime, a 30 or 40-year internet marketer amidst a full-time job will sit down post-dinner each night and build enough money online to quit his full-time job. Well, what’s it that goes on to separate these couple of kinds of individuals? Is it their work ethic, maturity, or experience? Neither.

Make Your Day Fruitful

When operating just three hrs a day, the time is sitting at a PC becoming extremely concentratedly fruitful, that you happen to get in the identical quantity of work as the jobless 18-year old who sits at PC 8 to 14 hrs a day. You start to value the time and understand that you require to get the work done because you will not have any time later

The older bodies then build the small income operating just weekends and weeknights and realize that when they mounted precisely what they’re doing to eight hrs a day, they’d make an enjoyable living when compared to what they do at the daily business. They maintain a small, effective system and mount it by allocating more time to it.

Stick To Your Set Plan

Teenagers will go on to spend the whole day on a PC from the very first day, and jump from one method to another, trying to get to the right way to earn money quickly. Older bodies have not much time to abandon what they’re operating on and any progress they have made to begin something new whilst teenagers do not even contemplate twice because they know they’ve got a whole day’s worth of the time to operate on this very new plan tomorrow. They do not realize that the schedule-less youthful days will someday come to an end.

Pause, And Take A Peek At The Bigger Picture

The teens have no plan, as they hardly or just don’t step back from PC and stare at the bigger picture. One of the reasons why plenty of entrepreneurs begin their day so early yet they don’t commence work until it’s 8 or 9 a.m., like the majority of the people.

At a given point, you’ve got to sit back, relax and reflect on the work and plans for the following work session. A few entrepreneurs use a pen and a paper beside the bed to reflect and plan. By operating a tad bit less and planning a tad bit more, teen entrepreneurs could easily achieve more in less time.

Hopefully, this website will work. Well, the website of Josh Macdonald’s page.

Protection For Identity Theft – Know About The Protection

Emery

Sometimes, credit scores are low not because of a financial mistake or oversight, but because of someone else’s criminal activity. Many people who are careful about paying bills on time and having minimal debt are shocked to find that they have low credit scores. Just because you have a low credit score does not mean that you were the one responsible for it. Identity thieves steal by assuming someone else’s financial identity, and will then either siphon money from the victims bank account, steal using an existing credit card, or take out new lines of credit under the victims name. Unfortunately, the victim of identity theft is affected both by financial loss, as well as the lowering of their credit score.

If you have been the victim of identity theft, report it to the police at once and obtain a police statement explaining what happened to you. Send copies of this to your bank and credit bureaus. Ask the three major credit bureaus to attach the police statement to your credit report. You may also need to close your accounts and open new ones. Ask your bank, creditors, or a legal professional what to do in this scenario. If someone made purchases in your name using a credit card, the credit card company will most likely absorb those costs if you can prove you were not the one who made them.

The credit repair companies will protect the victims from the theft. The credit score is available to the individuals. The identification of the theft is possible to have the desired results. There is no damage to the name at the credit cards. The meeting of the needs is possible for the individuals.

Fortunately, there is protection for identity theft, and effective effective ways to handle it if you are a victim. We suggest that you both purchase identity theft insurance, as well as follow our top 11 strategies.

1) Check Account Statements Every Month

Carefully check your account statements every month and look for suspicious activity, credit accounts, or charges you don’t recognize. If something is out of place, then contact the fraud departments of the three major credit bureaus and ask them to place a fraud alert on your account. Include a statement explaining that you think you have been the victim of identity theft, and that creditors should call you before opening a new account in your name.

2) Immediately Report Lost (or stolen) Bank & Credit Cards

The sooner you notify your creditors that you have lost a bank or credit card, the safer you will be. If it has been stolen, you need to give the thief minimum time to make purchases. After you close the account, review your statements as soon as possible for any purchases you did not make. If it was a credit card which was stolen, your creditors will likely not charge you. If your ATM card was lost or stolen, order a new one and change your PIN.

3) Be Careful When Giving Personal Information Online Or On The Telephone

Be very careful who you give your personal information to. Know that it is extremely uncommon for banks and credit card companies to ask for personal information over email. Be equally suspicious about any unexpected calls. Ask the person calling you as many questions as possible before giving any personal information. You may want to ask them to give you a number where you can call them back. Hang up, check the banks website for this number, or search for this number on the internet. If the number is associated with your financial institution, then call back and continue your conversation.

4) Shred Identifying Information

A common practice of identity thieves is to sort through garbage for identifying information. They are looking for things like account numbers, birth dates, drivers license numbers, social security numbers, names etc. Before you dispose of old papers that contain personal information, you should shred or burn them.

5) Install A Firewall On Your Computer

Placing a firewall on your computer is equivalent to locking the front door to your house. You may also want to use anti-spam and anti-virus software.

6) Carry Only Required Identification

If possible, when you leave the house you should try to take only one credit card with you. In addition, you should be fully aware of the contents in your wallet or purse in the event that it is stolen or lost.

7) Change Your PIN & Passwords Regularly

Changing your PIN, banking and computer passwords regularly is a very good practice. Try not to use numbers or words which are easy for others to guess.

8) Check Your Credit Report Regularly

Check your credit report regularly for accuracy, and for suspicious behaviour. If you notice a change of address on one of your accounts, you should immediately close it and notify the three major credit bureaus in writing.

9) Contact Your Creditors

If you feel that you have been the victim of identity theft, immediately contact the creditors associated with any accounts which have been affected, or opened fraudulently. It is wise to both talk with someone in the fraud department, and follow up in writing.

10) Contact The Social Security Administration

If you are receiving notifications from employers who you do not work for, someone may be working using your social security number. In this scenario, you should contact the social security administration at 1-800-772-1213.

11) Contact The Department Of Motor Vehicles

You should immediately contact the department of motor vehicles if you have reason to believe that an identity thief is using your name or social security number to obtain a drivers license.

12) Purchase Identity Theft Insurance

If you are concerned about protecting yourself from identity theft, we recommend purchasing identity theft insurance. Companies such as LifeLock offer excellent identity theft protection, and peace of mind that your financial well being, and credit score are protected.

Three Fast And Easy Ways To Increase Profits As An Affiliate Marketer

Emery

The preferred world of internet associate marketing doesn’t need having your a website coping with clients, refunds, piece growth and upkeep. This is amid the simplest ways of rising in to an internet business and generating ample more income.

With the help of event marketing examples, there are more than two ways available to get success. There is an increase in profits through checking the examples. The income of the marketers is increasing with correct examples checking. There are more profits available to the marketers.

Assuming you’re now in to an associate marketer plan, what will be the subsequent to thing you might instruct to do? Double, and even triple, your commissions, correct? How can you do this?

Here are a couple of efficient tips about how to upgrade your associate marketing module increase overnight.

  1. Be wakeful of paramount module and products to advertise. Clearly, you might instruct to publicize a march that allows you to get hold of the really most appropriate gain inside of the smallest amount of time.

There are many things to ponder in selecting this type of program. Choose those that retain a considerable assignment structure. Have things that sojourn in your aim audience. And that has a plain story of profitable out their associate facilely together with on time. If you flop to find a way to elevate your investments, eliminate that module and keep probing for ample improved types.

There are many associate marketing programs on the internet that provides the reason to turn fussy. You might want to select the most appropriate to prevent dropping your marketing dollars.

Compose cost-free reports or short eBooks to broach out of your website. There’s an glorious luck that you’re rivaling other associate marketers that are marketing precisely the same program. Should you beginning essay short inform related with the merchandise you’re promoting, you will be able to discuss it detached your self from your other affiliates.

Within the reports, supply a few valuable info at no cost. If at all possible, then add suggestions regarding the products. With e-books, you take believability. Customers observe in you and they’ll be swayed to assessment what you really are providing.

  1. Gather and preserve the e-mail addresses of those that download your giveaway e-books. It’s a well known fact that people do not purchase something on the really initial solicitation. You might want to send your summary over 6 times to emanate a sale

This is obviously the without doubt reason of because you must be gather the meeting data of those who downloaded your reports and e-books. You might make follow-ups on these contacts to suggest them to have a purchase from you.

Obtain the meeting info of the awaiting previous to sending these to the vendors web site. Remember that you’re provision completely giveaway promotion is to piece owners. You will get compensated usually if you make a sale. Should you broach prospects true to the vendors, chances are they’ll be mislaid to you always.

However when you get hold of names, you could send other promotion messages for them to be able to produce a stability assignment rsther than than a one-time purchase only.

Submit a web-based publication or E-zine. It is usually improved to suggest an piece to somebody rsther than than sell to a full stranger. This is obviously the design at the back edition your personal newsletter. This enables you to produce a attribute depending on certitude with all your subscribers.

This tactic is really a sensitive change between provision willing to help info using a sales page. Should you go on to write ominous editorials it is probable to assemble a clarity of respect inside your readers that could result in them to encouragement you by shopping your product or service.

  1. Request towering assignment from merchants. If you’re already successful having a specific promotion, you should endeavor and draw close the product owners and work out a percentage assignment for your sales.

If the product owners is sensible, she or he will probably give your solicit instead of lose an critical asset inside of you. Remember that you’re a zero-risk investment for your merchant; so do not let yourself be fearful about requesting for alleviation inside your commissions. Just try being essential about this.

Try these methods and find out the change it might make for your assignment checks inside of the smallest of your time.

4 Things That Are Considered By Companies Before Choosing A Web Based CRM Software Solution

Emery

In any business, customers play a very major role. Business people use different angles to make their customers feel important through them. This will make the business continuously grow and become reputed in the market. This is why CRM software is introduced in the market which is used by many businesses. Before choosing the CRM software for your business, you should consider the following points:

  • Easiness in working

The relation between customer and business management is very delicate. It is important to make them feel welcome and appreciated. This can be easily done with the CRM software you choose. As your business is dependent on the number of sales sold to the customers, it is important to choose a sales tracking CRM. This will notify you instantly about any change in the sales area. This is very beneficial as it makes communication easier for sales management and the customer. It builds a good reputation for the business. The CRM software acknowledges the message sent by the customer that makes them feel valued.

  • Services provided to the customers

As soon as a customer makes an effort to contact the management for any reason, it should be heard instantly. This will make the customers feel like someone listens to them and acts on it. With the help of the CRM software, you can get the right information made by the customer. The entire history of the customer with the company will be shown to make the situation easier. They can get the right assistance after the message they have sent to the company. Not only the right assistance, but the customer is provided with solutions related to the question they have asked.

  • Current data

A company functions very quickly, making it difficult for the management to track every new client and their sales. When you choose a sales tracking CRM, you do not have to worry about missing out on anything. The minute by minute sales will be displayed to you. As the sales affect other important decisions, you must get instant data. Before deciding on CRM software, you should keep the importance of time in mind. The demand and supply rate changes within seconds in a company. It is necessary to get current information about sales.

  • Sales in the future

For a business to grow continuously, the current and the future of the company must be planned. The actions that you take today will determine the results you get in the future. Using the CRM software, you can know the activities going on in the market and make the required changes in your management. There are chances that the changes you make in the company will affect the result that comes in the future. CRM software makes sure that the risk in making any changes does not make matters worse for the company in the future.

These are the four important things that play an important role. Companies can grow rapidly if they keep their mind clear and choose the best CRM software matching their vision.

Make Money Online With Google The Easy Way

Emery

Who hasn’t heard of Google? It is one of the most popular and largest search engines around today, but did you know that you can utilize the power of Google and make money from it? The best way to do this is to use Google AdSense to your advantage. In this article you will learn how to make money online with Google the easy way, by utilizing Google AdSense.

When you click at www.seanabbottmarketing.com site, some easy ways are available to earn online money. The utilizing of the resources is with the skills and intelligence of the people. The marketing at the online platform is with the best tools and methods to get an increase in the bank balance. The promotion of the business is great at the platform.

What Is Google AdSense?

Google AdSense is an ad-serving program that allows you to place ads on your site, which are related to the content on your site. AdSense is a contextual marketing application that can be used by virtually anybody. What contextual marketing means is that it is able to produce ads that are related to the context or nature of your site.

Steps To Making Money With Google AdSense

Step 1. Think of Your Niche

First you will need to think about an area, or as Internet marketers call them niches that you would like to venture into.

Your niche can be anything that you’re interested in. You may have an interest in sports, photography, gardening, bike riding or even a highly competitive market like weight loss. Whatever your idea keep it in mind and head over to Google’s free keyword tool. You can either follow the link below, or Google “keyword tool” or select Google’s own keyword tool.

https://adwords.google.co.uk/KeywordPlanner

Step 2: Build Your Site

The next step is to finally build your website. There are many ways that you can do this, but I highly recommend using a WordPress website as the main funnel for your Google AdSense earnings. WordPress websites are extremely easy to build and there are incredibly simple to use, even if you have never built a website before.

Step 3: Place Your Ads

The next step is for you to set up a free Google AdSense account and place your ads onto your website. Again this is completely free to do and it is easy to implement your ads on your site. All that you have to do is simply choose the size of the ads that you want to do and paste their code into the coding of your website. Google will then handle the rest.

Step 4: Acquire Targeted Traffic

There are a number of ways that you can do this but my recommendation is to add high quality and keyword rich content to your website. The more original good content you have on your website then there’s a better chance that the search engines will find your website and the visitors will follow.

To create content for your website you will want to take a look back at your keywords that you have planned to use on your website.

That’s it.

If you are looking to make money online with Google the easy way, the best way to do that is by using Google AdSense. As long as you adhere to Google’s strict guidelines when it pertains to your site and you know what niche you want to get into, there is no doubt in my mind that you can’t make a ton of money off of it. Until tomorrow!

Digital Portsmouth Event All About Bitcoin

Emery

PORTSMOUTH — Bitcoin, which has generated international headlines in recent months, will be the topic of discussion during the Digital Portsmouth series at The Music Hall’s historic theater on Thursday, March 20, from 5:30 to 9 p.m.

“The Bitcoin Symposium” will feature an evening of networking and presentations to be followed by an open discussion to celebrate the third anniversary of The Music Hall’s Digital Portsmouth series.

The symposium will include several micro-talk presentations about the worldwide cryptocurrency, including how it is acquired and spent and how companies can start accepting it. For people that can not attend this symposium, there is this bitcoin arbitrage app that will guide them and share all the relevant information that need for bitcoins and bitcoin trading.

Talks will also focus on the legitimacy of the new currency and significant events around Bitcoins, including the recent closure of Mt. Gox, the currency’s largest exchange, and potential market regulation of the currency.

Digital Portsmouth was launched three years ago by Monte Bohanan, director of marketing for The Music Hall, with a vision to engage digital creatives from across disciplines with face-to-face learning and networking opportunities focused around topics that excite them.

“It is great to get it out there, let people ask their questions, and talk about the good and the bad,” Bohanan said. “It does have this potential to really change how we view currency, but there is a dark underbelly possible there, and we are seeing it in recent headlines related to volatility and ease of use for people doing things they shouldn’t be.”

Bohanan said The Music Hall is committed to keeping up with current events. Digital Portsmouth events are held quarterly. Previous topics have included Web design, print, and graphic design, video, code, and open-source software.

“We’ve traditionally held these all, except one other one, in the Loft and they’ve played to a full house … just about every time,” Bohanan said. “It’s a chance for people who work in agencies or who work in tech around here to get together, network, have a cocktail, listen to some microtasks, and then have a discussion about these various topics.”

Micro-talks are short presentations, generally 10-15 minutes, that are more like TEDTalks.

The website blockchain.info is one of several event sponsors and has donated a Bitcoin, allowing Digital Portsmouth to give away cent bits at the door to the first 100 people to arrive. Bohanan said a cent bit is currently worth about $5.

The idea for the Bitcoin Symposium came from a conversation with Joshua Cyr of Alpha Loft, who pointed out that although there are many articles and a lot of news about Bitcoins, many people still don’t understand what they are or are afraid of the digital currency.

Alpha Loft also offers many educational and networking events and workshops and Cyr said he received many requests for more information on Bitcoin and how it works.

“It seemed like there were significant interest and confusion, which is a great catalyst for doing a great, educational event,” Cyr said.

He said New Hampshire has ranked high in terms of Bitcoin use. Overstock.com became the largest online retailer to accept the currency in January and a follow-up survey after the first week showed that per capita, New Hampshire had the highest amount of activity using Bitcoin, according to a map on businessinsider.com and other websites.

Cyr said he finds Bitcoin very interesting as a concept, and Alpha Loft accepts the currency as a form of payment.

He said people tend to think Bitcoin is complicated, but e-commerce in general right now is complicated, and incurs a lot of transfer fees, whereas Bitcoin does not.

It can also allow for “micro-transactions,” which traditional currency does not allow for.

He said it is still unclear whether Bitcoin will be a fad or be revolutionary.

“We don’t know, but it is certainly important to understand it,” Cyr said.

Request For Proposal Procurement Process

Emery

A request for proposal is mostly used in business to announce and provide the details of a project and get bids from the contractors who help in the completion of the project. The request for proposal is used by governments for a specific program. It may also require the company to look after the bids for a proper examination of the feasibility and health of the bidding company.

An RFP gives an overall outline of the bidding process and the contract terms between the company and contractors for a particular project. These are generally used in the case of major and complex projects and specify the nature of the project. The various requests that one can put in through an RFP include a statement of work which means the company has to describe the tasks performed by the winning bidder and provide a proper timeline to complete the work. It includes information on issuing and the line of the business that the organization is in. RFPs also act as a guide or reference material for the bidders and provide them instructions on what the bidder should include as per the nature of the project.

Mostly the RFPs are issued and submitted by the government agencies or the companies may hire a proper securing procurement consultant who may help them during the entire timeline of the project. The various agencies that help in procuring an RFP generally keep their costs low to ensure getting the deal and being the most competitive bid. In some cases, an organization may seek bidding from multiple sources and perspectives for which they may need to put out a valid reason. Creating a request for a proposal process can determine the success or failure of a project and if the specified requirements are vague then the bidder may not implement the solution.

On the other hand, if the requirements are very detailed and provide a restriction then the bidder may lose sight of their creativity and their innovation becomes limited. The process starts by drafting a request for proposal and the bidders can review the draft. Any changes can be made in the draft if the bidder suggests so. After implementing the feedback given by the bidders and preparing a final draft the final request is issued. The customer can select a group of negotiators or bidders on the basis of their technical details. The remaining bidders can then submit the best possible offer and if both sides agree they may award the offer to the company.

As soon as the final contract is prepared it is presented to the team involved in the project and through discussion, they provide the best possible solution to the issue that is being dealt with. As it is described by various organizations that the RFP process is very complex and cumbersome and therefore is a challenge for many. For the success of a project, the proposals must have proper coordination and the various stakeholders communicate with each other and have a proper discussion to provide practical solutions.

The Best Scientifically Proven Way To Trade Range Markets

Emery

Trading in the Forex (foreign exchange) market is often considered more of an art than a science. However, even though Forex trading does not follow basic scientific law, like chemistry and physics, there are proven methods for predicting many of the trends in currency values on the exchange. This is because many of the fluctuations in the Forex market are often the result of actions based on basic human nature. For decades, Forex traders have been using proven scientific theories to help them accurately predict the market to increase their profits and success. The most popular theories focus on the works of Fibonacci, Elliott, and others. There is obviously not a basic scientific theory to accurately predict all actions caused by humans. If there were, every trader would know beforehand how a currency price will fall or rise in the Forex market. However, even though the theories are somewhat flawed, they can be used effectively in trading the odds in the market and are often utilized by some of the Best Trading Platforms. Generally, human beings tend to react to their emotions. Because of that, the Forex market is often subjected to lows and highs based on the panic, foolishness, or greed of the traders involved. Analyzing these abrupt changes can create a significant advantage to an experienced trader sitting on the sidelines, waiting for the opportune moment to enter or exit their trade.

At its most basic level, trading the Forex market is a game of beating the odds. Profits are generated by the loss of traders that are improperly betting the exchange. Often times, their losses are a result of a lack of knowledge in successful proven Forex trading practices. Proven methods are based on strategies that have been thoroughly analyzed, tweaked, perfected, and finally tested out in a demo account before taking it to live in real-time.

A proven strategy can only be successful when the trader sticks to the plan faithfully. Any sudden change, decision, or knee-jerk reaction based on a gut feeling, motion, or instinct can easily cause a significant loss for the trader. The best scientifically proven strategies are those that are based on logical, simple, and steady trading methods.

Fibonacci Retracements Theory

Nearly every successful trader in the Forex markets takes advantage of Fibonacci retracement methods. Properly applying this proven technical analysis method can lead to successful results, including proper entry points and profitable currency positions.

When utilizing Fibonacci retracements, it is best that they fit inaccurately in the price action by keeping reference points consistent. This means that when a trader is referencing a trend at its lowest price on the body of the candle or the close of the session, the reference point will indicate the best high price at the top of the trend or the body of the candle.

However, mistakes and improper analysis can easily happen when reference points on a chart are mixed. Drawing a line from the candlewick (at its high point) to the candle base (at its low point) is an inconsistent way of measuring, which often provides inaccurate results.

Unsuccessful traders commonly avoid the larger picture of trends. They tend to measure significant pullbacks and moves over the short term while avoiding long-term movements. By analyzing long-term trends using Fibonacci retracements, the trader can accurately detect the direction of momentum. This will provide phenomenal profitable opportunities that are impossible to see in the short-term analysis.

Fibonacci is a wonderful tool. However, retracements cannot be relied upon by themselves, without confirmation. A successful trader can take advantage of indicator and oscillator tools to confirm the trend, instead of just hoping for a positive outcome.

The Elliott Wave Theory

Ralph Nelson Elliott developed the Elliott Wave Theory over a century ago. It was his theory that many actions in nature occur in five-wave patterns. When applying the wave theory to the Forex market, many pattern indicators often involve an upward trend on waves one, three, and five separated by a downward trend at two and four. This theory has been proven effective for many traders when looking for obvious trends in the market.

In reality, actions in the Forex market, as with all things in nature, tend not to blossom in clean, neat, and simple to follow patterns. However, like most science, and nearly all art, various interpretations of what is happening should be expected. Just like using Fibonacci Retracement, utilizing the Elliott Wave requires a strategy.

Successful traders use analysis or charting software when developing an effective plan. Although waiting is difficult when wanting to trade the market, a successful trader remains patient and holds back on taking any action until indicators occur. In fact, it may take months for an experience in a single Forex market to be properly set up for an entry or exit move.

Just like Fibonacci Retracements, other tools are used with the Elliott Wave for confirmation to ensure the action is likely to be successful. These additional confirmation tools might include the “Relative Strength Index” and/or the “Commodity Channel Index.” Using the Elliott Wave with confirmation tools requires identifying an acceptable stop-loss point before entering the trade.

Fundamental Analysis and Technical Analysis

Successful traders often use fundamental analysis to gain insight into a specific country’s economic health. All countries actively exchanging their currencies in the Forex market release reports that detail and analyze nearly every aspect of their local economy. This might include the rates of inflation, employment, productivity, growth, and trade. The fundamentals of the country are often released on weekly, quarterly, and annually scheduled intervals. This data tends to create a dramatic impact on the Forex market at the moment of their release.

Fundamental analysis can be a phenomenal tool for a Forex trader. The information provides the ideal insight into how individuals will respond to the Forex exchange as soon as it is released to the public. Some profitable traders have used this tool to determine the price movement (demand) of a specific currency.

Alternatively, technical analysis tends to be used more effectively than fundamental analysis. This is because it is the trader’s belief that technical analysis is far more crucial to predicting the market.

Fail Out Of Bankruptcy: The Dark Side Of Personal Bankruptcy

Emery

The percentage of people who fail out of bankruptcy is on the rise. Many experts blame this phenomenon on the new bankruptcy laws implemented by Congress in 2005. When debtors file for Chapter 13 bankruptcy protection, they must submit a repayment plan to the court. Due to the inflexible provisions imposed by the Bankruptcy Abuse Prevention and Consumer Protection Act, many people are unable to adhere to their repayment plan for more than a few months.

All it takes is one missed payment to cause a person to fail out of bankruptcy. When debtors become delinquent with their Chapter 13 repayment plan, creditors can petition the court and request the bankruptcy be dismissed. If the bankruptcy judge approves the request, one of two things will occur. Either the judge will order the debtor to liquidate assets through Chapter 7 bankruptcy or entirely dismiss the debtor’s bankruptcy filing. The team of bankruptcy lawyers will be provided through the reputed companies to fight the cases of bankruptcy of the debtors. The repayment should be done as per the requirement of the client.

Whenever someone files for bankruptcy protection, they are protected from creditors through an “automatic stay”. Creditors are prohibited from initiating or continuing lawsuits, collections, repossessions, foreclosure, garnishments or levies. The automatic stay remains effective until the bankruptcy judge lifts it or grants the debtor discharge of their debts.

If bankruptcy is dismissed because the debtor fails out of bankruptcy, the automatic stay is lifted and creditors can commence with collection actions. In cases where debtors file for Chapter 13 bankruptcy to stop foreclosure, failing out of bankruptcy will cause them to lose their home. Once the automatic stay is lifted, foreclosure proceedings can resume immediately. In some instances, people who fail out of bankruptcy have been forced to leave their home in a matter of days.

When debtors are unable to make payments it is imperative they contact their bankruptcy lawyer. The attorney will contact the bankruptcy Trustee or creditors and attempt to work out a plan. If the financial setback is temporary, chances are good creditors will work with the debtor to help them avoid failing out of bankruptcy.

If the debtor is unable to meet the stipulations of their repayment plan for an extended period of time, the bankruptcy Trustee might allow the debtor to file Chapter 7. When this occurs, the debtor’s non-exempt assets will be liquidated to repay outstanding debts.

In cases where bankruptcy proceedings are dismissed due to failing out bankruptcy, the debtor no longer has protection from the court. Additionally, they cannot file for bankruptcy protection for eight years.

Chapter 13 repayment plans can offer consumers relief from mounting debt. However, debtors are required to fully comply with the plan or face the potential of failing out of bankruptcy. A large percentage of their monthly income must be contributed to pay-off outstanding debts. Repayment plans typically last between 36 and 60 months. During this time, no new debt can be incurred without permission from the bankruptcy Trustee.

Keep in mind bankruptcy remains on your credit report for up to ten years. If you fail out of bankruptcy, you could end up losing everything. Not to mention the added expense of bankruptcy filing fees and attorney expenses.

Before making a final decision to file bankruptcy, consider various alternatives such as debt consolidation, debt settlement, credit counseling and budgeting. While it might be tempting to file personal bankruptcy, there are other options that may be more effective and less detrimental to your credit.

What Do Banks Do With Counterfeit Cash? Check Your Wallet

Emery

On a blessed and prosperous sunny day the last thing I found funny was counterfeit money. I hadn’t seen Funny money before. I honestly had no reason to look for it. Funny money is no laughing matter. I always thought the funny money looked like monopoly money. I thought that nobody passed fake bills any more. Nobody would dare waste their time floating funny money. I thought that nobody would until I got caught up in the funny money scam. What happened in my funny money incident.

How did I get funny money: Counterfeit Cash

My lady and I at the time had a tendency to take cash from one bank and deposit it into another bank. We simply wanted to make sure that the Cash would show up in the account as quickly as possible. On this day, we happened to go to the first bank to withdraw $2,000. The transaction seemed straight forward. I actually went directly into the bank and collected the money. All the bills were large bills. I didn’t ask the teller for anything in particular. They gave me all $100’s because it was easier for them. I was completely fine with that. The teller counted the money, fed it through a machine, and gave it to me. At that time, I said “Thank You” and proceed to the car. The money withdrawn from the savings account can be carried in the leather cable strap wallet for safety. The durability of the strap will provide long life to the wallets.

My lady and I headed over to the other bank which in our area was less than 400 feet away across the street. I pulled out of one parking lot and right into the other parking lot. We filled out a deposit slip from the second bank and made the deposit. We didn’t take a dime out of the cash from bank 1. In fact, we simply took the money and placed it with the new deposit slip into the drive through window.

The teller was a bit dim witted. They wanted to see if my lady was with me in the car as I made the deposit. There was no reason for them to see her but she let them know she was there. They said they wanted to be sure that she was there because of the size of the transaction and the balance in the account. While this bank’s over all customer service is high, this particular branch of the bank has had consistent problems. In any event, the tell gave the receipt for the $2000 deposit and we were on our way.

What went wrong with the funny money: Who found the Counterfeit Cash

I dropped the my lady off, and proceed to head out of town. I had a prior engagement that I need to attend. 30 minutes into my trip I get a call from home. I pick u and here:

“You WOULD NOT believe what happen!” My lady stated

“What” I replied

“The idiots at the bank called and said we deposited a counterfeit bill.” she explained

“WHAT” I replied.

“Yeah, that and they are deducting that $100 from the balance.” She said in a perturbed tone

“Why did they give a receipt if the bill was counterfeit” I asked

“They said the teller didn’t realize it until we were gone. And to top it off they said there are going to report it to the FBI.” She said as if to only make matter more annoying

“OK FBI aside, what is the bank policy on deposits made where they give a receipt then state there was a bank error. My take is they should give us credit, for the 100 considering we were non informed immediately. If we were informed we could have addressed the issue with the other bank right at that moment”. I stated calmly realizing that she was a powder keg of anger.

She said she had been on the phone with them bank ever since I’d left. She said that it was my banks fault for given the counterfeit bill. She also said that her bank said that there was nothing they could do about it. She spoke to the branch manager of bank 2 (her bank) and they supported what the teller stated. My lady proceeded to call the bank closer to our home. The branch manager gave the Regional VP’s contact information. The regional VP was in charge of everyone and could rectify the situation.

What we did to fix the issue with the funny money: Who was at fault with the Counterfeit Cash

I spoke to my bank about the issue. Just as I expected they stated that they have a machine that counts the money before they give it to the customer. They mark all the cash with a marker to ensure that the money is legitimate. If they some home miss something, they still count the money in the automatic counter. The machine will reject any money that is not real cash. Big picture, they felt that the counterfeit cash issue was not theirs to address. The funny money was found at the second bank. So the second bank must deal with it. Even more so, they stated if it had been found immediately, they could perhaps see the issue. But at this time it was hours later. The first bank was not willing to take responsibility for the second banks error in judgment.

Armed with the knowledge that the first bank would do nothing, we pushed forward with the regional VP of the second bank. We spoke to him and they understood the issue. The did state that it was bank policy not to give credit for counterfeit bill. The VP also stated that is was standard policy to have the matter refereed to the FBI. However, because of the strong banking relationship with our local branch the VP was authorized to give us credit for the $100.

We spent about 6 hours dealing with this issue between us both. I spent most of my time burning up cell phone minutes. At the end of the day, it was worth every penny. I now know what the bank policy is on counterfeit cash. It was a blessing to be able to learn from this experience. I also keep a bill highlighter with me to check them my self. Just in case someone tries any new funny money business, we are watching.

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