Credit Collection Laws And You

The Fair Debt Collection Practices Act and the Fair Credit Act has helped thousands of debtors free themselves from collection agents and junk debt buyers who act like complete Neanderthals when collecting debts. Junk debt buyers, collection agencies and sometimes, even original creditors are known mostly for their unforgiving, intimidating and often illegal collection tactics to extract money from debtors. Since laws have been enforced, consumer rights are protected against mean-spirited credit collectors, which is why it is important to educate yourself with credit collection laws to minimize the chances of being harassed by creditors or collection agencies.

One of the most common ways debt collectors obtain information from debtors is asking for their bank or credit card information. In the past, debtors have no other choice but to divulge such sensitive information from creditors or collection agencies. However, things have changed, laws are enacted and junk debt collectors and collection agencies can no longer make a person give his or her credit card and bank information.Once contacted by a debt collector, debtors are given 30 days to dispute the debt and make the debt collector prove the ownership of the debt in dispute. The bottom line is, you don’t need to pay anything just because someone claims you owe them money. If they can’t produce proof that you owe them money, they can’t collect the money nor can they file a credit card lawsuit.Apart from proving the debt’s ownership, collectors can no longer threaten, use profanity, vulgarities or use demeaning language to scare debtors into paying the debt. They can no longer humiliate you or talk to third parties about your financial problems. They can no longer discuss confidential debt information to other people. They can no longer threaten to garnish your wages, put lien on your properties when they haven’t gained legal authority to do so. They can only obtain a portion of your paycheck if they win the credit card lawsuit they filed otherwise, no such threats are allowed under the FDCPA.

If debt collectors continuously call you at the dead of the night or early in the morning, you can send them a Cease and Desist letter, information them that you do not wish to be contacted via phone calls and will respond only in writing. In response, the debt collector can only notify you about their next step, usually filing a credit card lawsuit, in writing. If they refuse to comply, they are violating the mandates of collection laws and will be brought to justice.

First Things for Small Business Event Marketing

In the beginning, we have an idea. The idea is an event where people can come together and trade, grow their network, and live outside of normal routines for just a few hours. The event is birthed and excitement builds quickly. Visions of a crowd smiling are everywhere.The beginning is a critical time. We are motivated and moved to make something happen. Without question, this is the time to put together a few major pieces that will make the event process move smoothly. If done quickly, it can make the event better or more realistic for the hosts. These items are 1) defining the objective of the event, 2) who is going to make it happen, the decision maker/lead of the event, 3) what is it going to take to be a great event?The objective of the event is often a large contributor to a few key ingredients. Objective defines what the event is supposed to do. It sets the foundation for the type of event it is to be, and lastly is the main guide towards the theme. Without an objective, the event may not get off the ground, rolling aimlessly towards a date without any real enthusiastic motivation behind it. Objective defines purpose. Purpose creates drive. The theme of the event puts a face to it, an image that will be memorable to prospects.Who is going to make the event happen? In a small business, it is either a hired event planner/marketer, an internal manager, or the owner. Each one has positives and negatives to lead the event to success. A person who can lead, is organized, creative, people oriented, resilient, and patient is the best person to lead the show. These qualities might not be all in one person, but can be had in a small team. Possibly everyone mentioned before is involved.

The leader of the event will often use a committee or team to get all the work done. A small event can be done with one to three people. A large event could take a platoon of people who like to throw parties.The person who makes it all happen is a very important part of the event. Without someone to herd cats, be Keeper of the Event Plan, and be Event Therapist, the event might be lackluster. The event may fizzle or explode before the day of the show.An event planner/manager/marketer is a keystone for a great event. I have seen many small events do well with someone with basic skills. Being able to put details together by using a guide found online is very helpful. It keeps things on track. Time frames and tasks are often laid out together, making things much easier.The larger the event, the larger the skill set of the decision maker of the event. Experienced event planners and marketers can provide valuable consulting, if not be the main coordinator of the event.Defining what it is going to take to be a great event is an important answer to get. Three common factors of any event are time, money, and energy. Being able to balance the three and be able to achieve the objective is what makes a great event. (Obviously ‘great’ can be defined in many ways. If the objective is met, no money problems at hand, and no one was hurt, it was a good event.)There is only so much of any of time, money, and energy. The objective of the event, and the anticipated results of the event, will decide how much of each will occur. In relation to time, asking how long will it take to get everything done and promotions at their maximum appeal is what time is all about. Is this a big event that happens every year? Is this a test run for other events down the road? And other questions help plan when things occur, which is also a function of energy.The energy required to have a great event is defined by the objective, quantity of staffing for execution, and anticipated size of the event. How much one person can put into any event is limited. Larger events take more people. Simply put, the amount of energy that can be expended is directly related to the budget, or how much money is reasonable to make the event a success.Small businesses do not have bottomless accounts to throw large parties. An event being funded by small businesses has to see a payoff and be done within a reasonable budget. Spending too much money on staff, not enough on marketing, and more are weighted decisions that guide finding balance in the area of money.

Looking at the objective, the amount of payoff can be calculated. Whether the event is a concert in the park or customer appreciation day at the store, cash flow can be discussed. If the event has a history, budgeting is easier. For a first time event, budgeting is difficult because cash flow can be estimated within ten percent at best. More often the margin error is larger. Expenses are the most determinable line items.Revenues from the event can be the day of the show only, like a concert. A one time event that generates money from merchandise, concessions, ticket sales and more. One day, and it is time for recovering.Revenues can be a long term objective related to brand awareness, like customer appreciation days every first Friday of the month. An ongoing event that is proven to attract a percentage of customers over a regular day is a good thing. If I know I can go to Smith Farm Supply and get a burger, I’ll likely stop by, eat, and get the things I need.When you hatch your idea, take the time to make immediate notes on how the event will occur. These notes will guide you. They will help you understand what you were thinking at the time. Too often have I lost those thoughts because they were not written down.Taking the time to pay attention to the initial parts of an event being planned will alleviate problems later.

Numerology’s Life Cycles; defining the patterns of your Life

Numerology divides your life into three major stages or cycles. Each of these cycles has a general trend or pattern for that part of your life. Want to know what your life patterns are?Calculating your Life CyclesThe timing of your Life Cycles is tied to your Life Path. Your first Life Cycle runs from birth to your first Turning Point; which is calculated by subtracting your Life Path from 36 (four times nine). Your Second Life Cycle starts at that point and ends 27 years later (3 times 9) when your last Turning point falls. Your third cycle runs from the end of your second life cycle for the rest of your life.Each Life Cycle value is calculated based on your date of Birth. Your first life cycle value is your birth month, reduced by fadic addition; your second cycle value by reducing your day of birth; and your third cycle value by reducing your birth year.For example, actor Johnny Depp was born on June 9th, 1963; so his Life cycles are calculated as follows:Life Path = (06 + 09 + 1963) = (1978) = (1 + 9 + 7 + 8) = (25) = (2 + 5) = (7)Life Cycles:(First Life cycle ends) = (36 – 7) = age 29

(Second Life Cycle ends) = (29 + 27) = age 56(First Life Cycle – birth to 29) = (Month) = (6)(Second Life Cycle – 29 to 56) = (Day) = (9)(Third Life Cycle – 56 and up) = (Year) = (1963) = (1 + 9 + 6 + 3) = (19) = (10) = (1)The various Life Cycle values and their meanings are shown below:Life Cycle (1)This cycle will call for you to be independent and stand on your own two feet. You will receive many new opportunities during these years. You will have to be decisive, self-reliant, and attend to your own needs. Leadership in some task will fall to you during these years, even if you don’t want it.Life Cycle (2)This cycle will hold many opportunities to work with other people, either in teams, or as part of a large group. You will make many friendships and will be sensitive to other people’s opinions in these years. You will crave companionship and may receive public recognition of some kind.Life Cycle (3)This cycle will be pleasant and will allow your creative work to prosper. It is likely that you’ll waste many opportunities in order to enjoy yourself. Your social life will be the dominate factor in your life. You will often be restless and bored in these years. You also will appear to be very lucky to other people.Life Cycle (4)This cycle will demand a good deal of hard work from you. Mundane matters will need your attention. You will often feel restricted or regimented during these years. You will receive opportunities to lay a strong foundation for success at both your work and home life. You will have to guard against becoming depressed and getting in a rut.Life Cycle (5)This cycle will be full of changes of all kinds. Your interests, your career, your circumstances will all tend to change quickly and drastically. Surprising, often unlooked for, adventures will come upon you, challenging your adaptability. Your communication skills will be very important during these years.Life Cycle (6)This cycle will focus most of your attention upon your domestic life. There will be a constant effort to achieve ‘balance’ in your life during these years. You will often be asked for advice and given many opportunities to be creative. You will be forced to take on many responsibilities.

Life Cycle (7)There will be a great deal of soul-searching and self-analysis during this cycle. You will crave solitude for your thoughts and will tend to be confused in crowded or noisy environments. You may achieve a great deal of personal growth. Worldly wealth will come to you at its own pace. Opportunities will occur suddenly in these years.Life Cycle (8)This cycle will bring you slow and steady progress in your personal goals, if the needed work is done. You will sow what you reap during these years. Good or bad, you will get your just deserts. You will need to fight against a tendency to be overly ambitions. Goals will be set and tasks will be performed all in good time.Life Cycle (9)This cycle will bring you endless possibilities. These years will be highly emotional for you. You may find it difficult to start new projects. Frequently, sudden or unusual endings of things will occur. The practical side of life will need more of your attention during these years. This cycle will be a good time for creativity, especially in artistic endeavors.