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Atricle Dump - Bankruptcy, Is It A Way Out
Is your nonprofit organization doing fundraising online?If the answer is no, this is something that you should be looking into. There are many types of online fundraising methods, and a new and innovative way, is by creating a lens on the Squidoo.com website.Most internet marketers are aware of Squidoo.com and many are creating lenses on Squidoo as a way of building links and bringing visitors to their websites. However, one of the original purposes of Squidoo, according to founder Seth Godin, was to provide a way for charities and nonprofit organizations to spread awareness of their cause and raise money, on the internet.What exactly is a Squidoo lens?A lens is simply a webpage on Squidoo.com that is built to serve as a guide on a specific topic. The page contains relevant information about the topic and links to other places on the internet where more information can be found.Squidoo is similar to a search engine, such as Google, but, according to Godin, it acts as an intermediary to search engines by giving people the "big picture" view on a given topic. When people perform a search for information on Squidoo the result is a lens on the topic instead of a list of links that you would get with a Google search. Squidoo is also similar to MySpace; however, Godin calls Squidoo "social databasing" as opposed to "social networking."How can nonprofit organizations and charities benefit from Squidoo.com?Anyone can build a Squidoo lens, for free, on any topic they are knowledgeable or passionate about. "Everyone is an expert" says Godin. At time of this writing there are over 70,000 lenses written by Squidoo lensmasters, as they are called.Nonprofit organizations and charities may build a lens and provide information about their cause or mission. The lens can contain links to the charity's website, logos, RSS feeds, just about anything relevant to the topic or organization can be included in the lens.Each lens automatically has Google advertisements placed on it. Every lens gets a share of the royalties earned from the Google ads. Another way to earn money is to sell items as an affiliate of Amazon, eBay, or Cafe Press. For example, if your organization creates t-shirts on Caf? Press, you can feature them on your Squidoo lens and earn money from the sales.In addition to creating a lens, nonprofit organizations may register and be added to the Squidoo database of charities. Once
Non-Dischargable Debts - Bills You Have To Pay In Spite Of Bankruptcy
Certain kinds of debt cannot be automatically eliminated by bankruptcy filing. They must meet certain requirements before being eliminated by bankruptcy. If most of your debts are non-dischargeable, bankruptcy may not solve your financial dilemma. The only ways a non-dischargeable debt can be eliminated through bankruptcy are
Education plus Motivation is a powerful formula. But how do you ensure the motivation level in your prospective customers or yourself, for that matter, is really as high as it could be? Easy. You make sure to build pain into your motivation strategy. Our basic survival instincts mean that given a choice between finding pleasure or avoiding pain - we'll usually opt to avoid pain.Once you've persuaded someone to move away from something, it becomes much easier to provide them with something desirable to move towards.7 Tips For Using Pain To Build MotivationThis "pain" approach can add extra power to everything from sales letters, motivating self talk, sales meetings, presentations and proposals. It is powerful though, so use it with caution and always be aware of the positive outcome you're after for you and your prospect.Just a little safety warning before I begin... Make sure you have something positive to move towards once you've encouraged someone (or yourself) to move away from something. Motivation without direction can be destructive.1. What's Up?Find out or describe the current situation to set up the big picture and to provide a starting point for investigating the problems and pain.In a sales letter, opener's such as "Have you ever..." or questions that presuppose a problem/opportunity (eg "Are you making the most of...") are perfect for this."Have You Ever Lost Weight With A Diet Only To Put It Straight Back On Again As Soon As You Stop?""Are You Making The Most of Your Talents?"When having a conversation the question "What?" is powerful too..."WHAT's your biggest/most immediate challenge right now?""If you could change one thing about your current business situation then WHAT would it be?""WHAT are you currently doing to get new customers?""In solving problem X WHAT have you tried so far?""WHAT's going on for you right now?"The "Situation" is a foundation for exploration. Listen carefully when talking with someone or describe the situation in vivid detail when presenting/writing.2. What's The Story?Once you have enough data you need to summarise it as a story. In a conversation this can be repeated back to the person you're talking with. In a sales message this story will be your framework to embellish. It's always good to do this for your own reference anyway.Let's use an example: Say I was trying to sell Lean Marketing training courses to coaches.I've
Bankruptcy law evolved as a reaction to the abuses surrounding debtors prison. Before the nineteenth century a prison system existed for those who didn't pay their bills. If a merchant filed a claim, the debtor was incarcerated until his debts were paid. (Women were not found in debtor's prison, not because of chivalry but because they did riot have the ability to borrow). The lender was legally responsible for the expenses of the prison stay, including food, but seldom paid. After all, a debtor would have to sue in order to enforce this law, and it was rather difficult to sue when in prison. As a result, many borrowers languished in prison for years, surviving on what their family could bring to them or, in many cases, simply starving to death. Although some lenders would doubtless not object to the renewal of debtor's prison, fortunately we live in more enlightened times. Bankruptcy was created to provide a second chance (or third, or fourth) to those hopelessly in debt It provides a mechanism to wipe the slate clean and begin anew. As times have changed, though, so has the bankruptcy code. Not all debts can be wiped out. The proceedings can be easily disqualified in the event of improper procedures. There are many things a debtor should know before resorting to bankruptcy.
The Bankruptcy Decision
There are two kinds of individual bankruptcy: Chapter 7 and Chapter 13. Chapter 7 bankruptcy, named for the chapter number in the bankruptcy code, requires a full liquidation of all debts and cancels all no-exempt debts. Chapter 13 bankruptcy is essentially a court-mandated payment plan that sets up affordable monthly payments to your creditors,
The decision to declare bankruptcy is not an easy one. Unfortunately, many bankruptcy attorneys recommend bankruptcy to just about anyone they consult with. All too often frightened consumers are advised to declare bankruptcy just to avoid a few debts. This is a mistake. Bankruptcy should truly be a last resort as the legal system meant it to be. A bankruptcy appears on your credit for ten years, and although lending criteria are slowly changing, many lenders will not even consider an applicant who has had a bankruptcy. What's more, a Chapter 7 bankruptcy can cost you most of your property. Before making a decision to declare bankruptcy, estimate how bad your situation really is. On a piece of paper, make a list of all your assets and the approximate value they could be sold for. On the other side, add up all of your debts. If the debts exceed the assets by a large percentage, you may wish to consider bankruptcy. On the other hand, if it seems that your situation may improve (you may get a new job or a second income), or if your assets are of greater value or close in value to your debts, a different approach may be appropriate.
Negotiate with your creditors
Explain your situation and ask for more time to pay. If the creditors refuse and continue to threaten garnishment tell them such action would force you into bankruptcy. No creditor wants to hear the "B" word. Using bankruptcy as a threat is a very powerful negotiating tool, confronting creditors with a choice between getting a little each month or probably getting nothing through bankruptcy. Don't try this tactic on secured creditors. They may decide to repossess your property to avoid having to go through court.
Contact Consumer Credit Counseling
As mentioned earlier in the book, Consumer Credit Counseling is a non-profit group funded by creditors to help consumers negotiate repayment plans. It is often able to negotiate payment arrangements better than the individual because of its constant contact with a variety of creditors. If you can't negotiate a satisfactory arrangement, give these people a try. Remember, the fact that you are using credit counseling may appear on your credit record.
Consider Chapter 13 bankruptcy
This kind of filing allows you to repay your debts in a court-mandated fashion and will appear on your credit record for only seven years, If negotiations fail or there simply isn't enough money to make ends meet Chapter 7 bankruptcy may be your only option. Bankruptcy does not necessarily discharge all debts. If your debts are exempt from bankruptcy, filing will do very little to improve your situation. If a co-signer was used, the debt would then be owed by the co-signer, unless that person also declared bankruptcy. In community property states a spouse's assets and debts would also be included in the bankruptcy, assuming they are community property. Consider all very carefully before deciding to file.
Non-Dischargable Debts - Bills You Have To Pay In Spite Of Bankruptcy
Certain kinds of debt cannot be automatically eliminated by bankruptcy filing. They must meet certain requirements before being eliminated by bankruptcy. If most of your debts are non-dischargeable, bankruptcy may not solve your financial dilemma. The only ways a non-dischargeable debt can be eliminated through bankruptcy are
What is a Family Business? A family business is basically any business in which the majority of the ownership or control lies within a family. Involvement of members of family in a business can bring with it its own complexities because the line between the business system is sometimes separated by a thin line from the family system. Sometimes these 2 positions overlap causing all sorts of conflicts.Families involve emotion with includes relationships that carry with it loyalties and natural love whereas a business system is unemotional and coldly designed to extract the highest profit from that venture.Styles that are necessary in a family situation may not always suit the business situation. Membership of a family is by birth whereas membership of a business should be by investment and performance.Families deal with family matters in a certain way that entails the head of the family making decisions either alone or in consultation with another senior member of the family. The business however, has its own systems and methods of communication as well as styles involving the resolution of conflicts and finalizing decisions.Conflict between Business System and Family System Conflicts arise in family business when the roles of one system intrude into the roles of the other and because each member of the family is basically involved in a dual system problems arise. The overlap of these two systems become really apparent when there are conflicts in interest arising between the family members and the business.Most families regard the concerns as being paramount in all cases but a prudent business owner will ensure that family concerns and business concerns are properly balanced so as to achieve the maximum satisfaction for both systems and people involved. Too often the emotional bonds of family tend to short cut processes which have been designed to ensure the security of the business and to maximize its success.For example, family members are put into positions of power where they do not have experience or knowledge simply because they are family members. If they came through the normal interview and selection process they would not get that position. This is clearly a case where family considerations breach the normal standards of how businesses should be run in order to achieve maximum profitability.Specific Issues in the Family Business A business is difficult enough to manage at the best of times. A family business
The Bankruptcy Decision
There are two kinds of individual bankruptcy: Chapter 7 and Chapter 13. Chapter 7 bankruptcy, named for the chapter number in the bankruptcy code, requires a full liquidation of all debts and cancels all no-exempt debts. Chapter 13 bankruptcy is essentially a court-mandated payment plan that sets up affordable monthly payments to your creditors,
The decision to declare bankruptcy is not an easy one. Unfortunately, many bankruptcy attorneys recommend bankruptcy to just about anyone they consult with. All too often frightened consumers are advised to declare bankruptcy just to avoid a few debts. This is a mistake. Bankruptcy should truly be a last resort as the legal system meant it to be. A bankruptcy appears on your credit for ten years, and although lending criteria are slowly changing, many lenders will not even consider an applicant who has had a bankruptcy. What's more, a Chapter 7 bankruptcy can cost you most of your property. Before making a decision to declare bankruptcy, estimate how bad your situation really is. On a piece of paper, make a list of all your assets and the approximate value they could be sold for. On the other side, add up all of your debts. If the debts exceed the assets by a large percentage, you may wish to consider bankruptcy. On the other hand, if it seems that your situation may improve (you may get a new job or a second income), or if your assets are of greater value or close in value to your debts, a different approach may be appropriate.
Negotiate with your creditors
Explain your situation and ask for more time to pay. If the creditors refuse and continue to threaten garnishment tell them such action would force you into bankruptcy. No creditor wants to hear the "B" word. Using bankruptcy as a threat is a very powerful negotiating tool, confronting creditors with a choice between getting a little each month or probably getting nothing through bankruptcy. Don't try this tactic on secured creditors. They may decide to repossess your property to avoid having to go through court.
Contact Consumer Credit Counseling
As mentioned earlier in the book, Consumer Credit Counseling is a non-profit group funded by creditors to help consumers negotiate repayment plans. It is often able to negotiate payment arrangements better than the individual because of its constant contact with a variety of creditors. If you can't negotiate a satisfactory arrangement, give these people a try. Remember, the fact that you are using credit counseling may appear on your credit record.
Consider Chapter 13 bankruptcy
This kind of filing allows you to repay your debts in a court-mandated fashion and will appear on your credit record for only seven years, If negotiations fail or there simply isn't enough money to make ends meet Chapter 7 bankruptcy may be your only option. Bankruptcy does not necessarily discharge all debts. If your debts are exempt from bankruptcy, filing will do very little to improve your situation. If a co-signer was used, the debt would then be owed by the co-signer, unless that person also declared bankruptcy. In community property states a spouse's assets and debts would also be included in the bankruptcy, assuming they are community property. Consider all very carefully before deciding to file.
Non-Dischargable Debts - Bills You Have To Pay In Spite Of Bankruptcy
Certain kinds of debt cannot be automatically eliminated by bankruptcy filing. They must meet certain requirements before being eliminated by bankruptcy. If most of your debts are non-dischargeable, bankruptcy may not solve your financial dilemma. The only ways a non-dischargeable debt can be eliminated through bankruptcy are
Back in the seventies two brothers built a hugely successful advertising agency. They were called Maurice and Charles and their agency was Saatchi and Saatchi.The key to their success was their ability to promote their business. It seemed like every week they would win new business from some big corporation.Every time they won a new client they told the whole world about it.The lesson for others to learn is that Maurice and Charlie weren’t always famous. When they started out they were just two more talented and determined people.The world is full of talented and determined people, so what makes the difference between those who succeed and the also-rans?The Brothers focussed their attention on building their business by creating a reputation. They knew that they would win new business almost automatically if people wanted to work with them.The key to building their reputation was that they produced highly “creative” advertising. Their work was innovative, like the “pregnant man”. They then sought to win awards for their work.But it didn’t end there – they went a step further. They actively promoted their good work and their awards to ensure they gained the attention of the widest possible audience.They knew that to win new business they needed to expose themselves to the people who made decisions about which advertising agency their company should use. Such people will only beat a path to your door if they know that you exist and they are excited by your reputation.Let’s just review what I have said here – they produced outstanding work and they promoted their work. Why, to build a reputation for producing highly creative advertising.They made the name Saatchi and Saatchi synonymous with effective advertising. And because of that advertisers wanted to use their services.This is a path that anyone who wants to build a successful business would do well to follow. It makes it really easy to win new business.There was one other point on which I would be prepared to bet a large sum of money. I bet that the brothers never asked themselves: “what if?”Successful people don’t worry too much about consequences, they deal with them when they arise. So, don’t you worry, just go for it.
Negotiate with your creditors
Explain your situation and ask for more time to pay. If the creditors refuse and continue to threaten garnishment tell them such action would force you into bankruptcy. No creditor wants to hear the "B" word. Using bankruptcy as a threat is a very powerful negotiating tool, confronting creditors with a choice between getting a little each month or probably getting nothing through bankruptcy. Don't try this tactic on secured creditors. They may decide to repossess your property to avoid having to go through court.
Contact Consumer Credit Counseling
As mentioned earlier in the book, Consumer Credit Counseling is a non-profit group funded by creditors to help consumers negotiate repayment plans. It is often able to negotiate payment arrangements better than the individual because of its constant contact with a variety of creditors. If you can't negotiate a satisfactory arrangement, give these people a try. Remember, the fact that you are using credit counseling may appear on your credit record.
Consider Chapter 13 bankruptcy
This kind of filing allows you to repay your debts in a court-mandated fashion and will appear on your credit record for only seven years, If negotiations fail or there simply isn't enough money to make ends meet Chapter 7 bankruptcy may be your only option. Bankruptcy does not necessarily discharge all debts. If your debts are exempt from bankruptcy, filing will do very little to improve your situation. If a co-signer was used, the debt would then be owed by the co-signer, unless that person also declared bankruptcy. In community property states a spouse's assets and debts would also be included in the bankruptcy, assuming they are community property. Consider all very carefully before deciding to file.
Non-Dischargable Debts - Bills You Have To Pay In Spite Of Bankruptcy
Certain kinds of debt cannot be automatically eliminated by bankruptcy filing. They must meet certain requirements before being eliminated by bankruptcy. If most of your debts are non-dischargeable, bankruptcy may not solve your financial dilemma. The only ways a non-dischargeable debt can be eliminated through bankruptcy are
A customer is very important to your business. Without customer, your business never exists in business area. In marketing theory, customer must segment to easy create marketing action because you know what target you send your promotion. There is two kind of customer like individual customer and corporate customer. Below some resources to get potential customer especially corporate customer:1. INTERNET. So many company have website and contact address in internet. Find as much possible corporate suitable with your product or services. Get address and email. Do not forget to create list. Usually, this is very easy creating list of company fro website because you need copy paste only.2. YELLOW PAGES. This is finding in your phone company that you use phone service. However, if you are not having yellow pages books, you can buy in yellow pages book vendor to find potential customer. However, you need more time and energy to get potential customer and create list.3. BUSINESS DIRECTORY. Business directory book can find in public library in town or you can buy in bookstore. This is very easy to use even you can direct to use in promotion action.4. NEWSPAPER AND MAGAZINES. From there, you can find potential customer. Usually, you must find their ads to get address and contact to send your promotional material.5. FRIEND AND COLLEAGUES. Your business friend and colleagues can give name and address to send promotional material. This is very useful and powerful in business activity. So many people get success because help of their colleague and friend. So, keep in “safe” your friend because your money will come from there.6. CONSULTANT COMPANY. This is very expensive but this is can help you to find potential company. Usually, you must create agreement with this company. Up to you, if you have enough money for marketing activities, this is can help you conduct marketing activities.7. TV AND RADIO. This is can give you some information about your potential customer. However, this is very rare compare with six before. If you can use this proper and effective, you can get your potential customer.8. TELEPHONE CALL. Some corporate create hotline that pay call or free-toll. This is can resource of potential customer. In this context, you need to wait call from you potential customer. After you get data of potential customer, you must call one by one to get contact person to send marketing promo material.Send your promotion material and wait few days. Af
Contact Consumer Credit Counseling
As mentioned earlier in the book, Consumer Credit Counseling is a non-profit group funded by creditors to help consumers negotiate repayment plans. It is often able to negotiate payment arrangements better than the individual because of its constant contact with a variety of creditors. If you can't negotiate a satisfactory arrangement, give these people a try. Remember, the fact that you are using credit counseling may appear on your credit record.
Consider Chapter 13 bankruptcy
This kind of filing allows you to repay your debts in a court-mandated fashion and will appear on your credit record for only seven years, If negotiations fail or there simply isn't enough money to make ends meet Chapter 7 bankruptcy may be your only option. Bankruptcy does not necessarily discharge all debts. If your debts are exempt from bankruptcy, filing will do very little to improve your situation. If a co-signer was used, the debt would then be owed by the co-signer, unless that person also declared bankruptcy. In community property states a spouse's assets and debts would also be included in the bankruptcy, assuming they are community property. Consider all very carefully before deciding to file.
Non-Dischargable Debts - Bills You Have To Pay In Spite Of Bankruptcy
Certain kinds of debt cannot be automatically eliminated by bankruptcy filing. They must meet certain requirements before being eliminated by bankruptcy. If most of your debts are non-dischargeable, bankruptcy may not solve your financial dilemma. The only ways a non-dischargeable debt can be eliminated through bankruptcy are
There are many ways to reach out and find the people you are trying to attract for your business. Here are just a handful of ways to get you started:1) Attend organization meetingsWhere do people in your target market hang out? Research this, and then plan to attend a meeting or two to mix and mingle. What better way to meet and get to know these individuals while learning more about the market?2) Offer to speak at a meeting or conferenceWhat do you have to offer that you feel could be of value to those you are trying to reach out to? Present a short talk or slide show on a helpful topic. Be sure you present something of value to the group. What helpful tips or other material would hold ther attention, and entice them to learn more about you and what you do? Just give them a small taste of your skills and knowledge. Chances are, they will want to talk to you after the presentation.3) Advertise in publications your target market readsThe Internet is a great place to research what publications are out there. You can probably even get your advertisement to appear online as well as in the hard copy of a publication. Advertising can be rather expensive, so be careful with this one!4) Present a free teleclassIf you are not confident in your public speaking skills, but still feel you have something of value to teach those you are trying to influence, try offering a no-cost teleclass. It is usually fairly inexpensive to rent a bridge line to host your class. You can teach from the comfort of your own home, too. This is also a great way to get a list of names to add to your subscriber list for mailings. If you are comfortable with this option, you can charge a small fee for future teleclasses you hold, which will bring you some passive income.5) Start a blogWrite daily or weekly posts related to subject matter that will pique the interest of your target market. Spend time researching particular topics that you can write about. Then, add some pizazz...get excited when you post the information to your blog. If you're excited about something, others will be too. And don't forget to use keywords. These are what the search engines will use to find the content in your blog and draw others to it.
Non-Dischargable Debts - Bills You Have To Pay In Spite Of Bankruptcy
Certain kinds of debt cannot be automatically eliminated by bankruptcy filing. They must meet certain requirements before being eliminated by bankruptcy. If most of your debts are non-dischargeable, bankruptcy may not solve your financial dilemma. The only ways a non-dischargeable debt can be eliminated through bankruptcy are through an exception being granted by the court, a certain period of time transpiring since the debt was due, or because the creditor does not object to the discharging of the debt. Certain debts can only be discharged by an exception. They are:
Recent Student loans
This applies to student loans that became due within the last five years. Any extension of repayment would be added to this time period. Some courts, furthermore, will only discharge payments that are more than five years past due. So if the student loan was due seven years ago and the payments were originally to be made over a five-year period, you would still be responsible for the last three years of payments. The court may also grant an exception to a student loan if it would produce an "undue hardship" for you to pay it. This is rarely granted.
Taxes
Federal, state, and local taxes are not dischargeable for at least three years after you file your tax return. Even if you've been tied up in tax court for more than three years, any tax assessed within 240 days of filing for bankruptcy is non-dischargeable. Property taxes are dischargeable if they are over one year late, but the lien against your property is not. The bottom fine is that you can count on the government collecting its tax money eventually.
Child Support and alimony
These can only be discharged in special circumstances, which generally include agreements that have not been court-ordered. If one spouse has agreed to assume more than half of marital debts in exchange for lower support payments, the court may not discharge all debts held by the spouse for bankruptcy. Consult an attorney if this situation applies.
Fines
Neither fines from a court, judge, or government agency nor surcharges, penalties, and restitution, as a general rule, can be discharged in a bankruptcy. The same is true of debts incurred as a result of damage or liability from driving while intoxicated. The debt incurred from intoxicated driving must be established in court and a judgment must be issued by a higher court. Small-claims, traffic, and municipal judgments for intoxicated driving are all dischargeable. Once again, consult an attorney.
Debts not discharged in a previous bankruptcy
If debts from a previous bankruptcy have been found non-dischargeable, they cannot be discharged in a later bankruptcy.
Debts not listed on your bankruptcy petition
If you do not include a debt on your petition, it will not be discharged. Many people filing bankruptcy keep one or more credit lines with small balances or no balance out of the bankruptcy proceeding to preserve part of their credit resources. Another strategy is to reaffirm debts on the condition that credit continues to be offered. The creditor, confronted with a choice between collecting nothing and maintaining your credit, will sometimes choose the latter. Be very careful when reaffirming debt. You are not obligated to and you should have a new written agreement spelling out all of the new conditions.
Other kinds of non-dischargeable debts can be discharged immediately if the creditor does not object If the creditor objects, these debts will be judged by the court to be either dischargeable or non-dischargeable. The creditor can ask that the debts not be discharged if they claim the following conditions existed:
The debt was acquired by Intentionally fraudulent behavior
Fraud in this case is any dishonest act used to obtain credit. Claiming to be someone you are not, or borrowing money when you have no means or intention of repaying it, would be clear-cut examples of fraud. Not disclosing certain relevant facts could also be construed as fraud. If you make a promise and intend to keep it and believe you will be able to keep it, that is not fraud. Creditors tend to be paranoid and believe everyone is defrauding them, so this excuse for non-discharge is often used by creditor's attorneys.
Debts Incurred as a Result of False Written Statements
A blatantly false credit application would qualify. The inaccurate statement must be an important fact and one that the creditor relied on in order for the debt to be judged non-disch
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