FTC, AUGUST 1996
If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a debtor. If you fall behind in repaying your creditors, or an error is made on your accounts, you may be contacted by a debt collector.
You should know that in either situation, the Fair Debt Collection Practices Act requires that debt collectors treat you fairly by prohibit ... Continuare
HOW TO COLLECT BUSINESS DEBTS
This document tells you what debt-collection methods there are, how well they work, and how to choose which to use. You re in for some surprises. A lot of this material comes from behind the scenes: straight from lawyers, court officials, private investigators and debt collectors -- talking informally and bluntly.
What you ll gain from the book is increased profits and fewer worries. And if you ... Continuare
WOMEN AND CREDIT
To avoid credit problems, it is imperative that all women educate themselves about credit and money management and establish and maintain their own credit, separate from their husbands. This means that single women with an established credit history should maintain their separate credit identity if they decide to marry. Similarly, already married women who share their husbands credit should ... Continuare
NINE WAYS TO LOWER YOUR AUTO INSURANCE COSTS
You may not realize it, but the insurance rates you pay for your car can vary dramatically depending on the insurance company, agent or broker you choose, the coverage is you request and the kind of car you drive. Listed below are a number of things you can do right now to lower your insurance costs.
1. COMPARISON SHOP. Prices for the same coverage can vary by hundreds of dollars, so it pays ... Continuare
50 WAYS TO CUT COSTS AND INCREASE PROFITS
1. Buy frequently used products in bulk.
2. Whenever possible, fax it before you discuss
3. Purchase a fax switch and remove the dedicated telephone lone.
4. If you communicate by modem purchase a new one that speeds up communication.
5. Monitor long distance telephone charges - include them in charges to customers or insure that they are included in overhead.
6. Plan now to hire stude ... Continuare
LEGAL WAYS TO GET THE BILL COLLECTORS OFF YOUR BACK
Sometimes, the formal and legal declaration of personal bankruptcy is the best way to go when you re "snowed under" with bills, and you just can t see your way clear to survive. Actually, bankruptcy allows you to make a fresh start. Generally, it takes only a small amount of money, a careful evaluation of your assets and your liabilities.
In many cases, a lawyer is not necessary. If you have ... Continuare
FEDERAL CREDIT LAWS
The Fair Credit Reporting Act of 1971
(a) Gives you the right to know what information is held about you, without charge, if you have been denied credit within the last 60 days.
(b) You have the right to receive a report of who has seen your credit file for the last six months, and who has seen it for employment purposes for the last two years.
(c) You have the right to have information you ... Continuare
IS IT ETHICAL TO TRY AND REMOVE LEGITIMATE BAD CREDIT?
Yes! One of the best explanations of that is the following article written by Jayson Orvis, Attorney At Law:
"Credit Repair" has not been kind to the American consumer. In fact, the phrase is synonymous with fraud. This is the stigma we face as we offer a membership wherein the client is offered an alternative to "credit prison." Because the nasty reputation of credit repair sometimes washes ... Continuare
SOLVING CREDIT PROBLEMS
If you are having problems getting credit or paying your monthly bills, you may be tempted to turn to businesses that advertise quick and easy solutions to credit problems. But do not be misled. There are no instant solutions. Although some credit counseling businesses "guarantee results or your money back," you may find that there are hidden strings attached or that the company is gone when you ... Continuare
THE INSIDE SECRETS OF CREDIT REPAIR
The information on this disk has saved many people a lot of money. This disk is a guide to repairing your credit. Even if you have A-1 credit, this disk is a must. But if you are like 77% of Americans that don t have A-1 credit, the information on this disk can save and solve you many problems, many of them before they start. On the disk, are form letters, and many forms and documents used in c ... Continuare
HOW TO OBTAIN AN $800 LOAN BY MAIL - INTEREST FREE!
If you are like most of us, then sometime or another, you will probably need to obtain a loan. If you can obtain one through a bank or commercial lending institution, then you don t really have any problems. Sometimes, however, banks and loan companies will not lend money that you may need.
The Hebrew Free Loan Society, located at 205 East 42nd St., New York, NY 10017, will make a loan to peop ... Continuare
WINNING THE CREDIT CARD GAME
Some banks are eliminating the standard 25 or 30-day grace period within which you may pay your bill within being charged interest. This is the normal grace period before interest kicks in. But this is slowly changing. For example, some banks are offering extremely low fixed rates, but without a grace period. These cards will charge you interest from the date it processes your charge slip.
If y ... Continuare
IMPROVE YOUR CREDIT BY PAYING BILLS LATER RATHER THAN SOONER
Every business will get to the point where suppliers will offer terms on bills, rather than requiring payment up front or on delivery. Their bills will probably be marked "2/10, net 30." This means you get a 2% discount if you pay within 10 days, and the bill is due within 30 days.
Many business owners will jump at the opportunity to save the 2% by paying early, and rightfully so. However, beli ... Continuare
YOUR MONEY GUIDE TO FREE GOVERNMENT GRANTS
Anyone thinking about going into business for themselves, or wanting to expand an existing business should rush for the world s largest "one-stop-money-shop" where FREE MONEY to start or expand a business is being held for you by the Federal Government.
It sounds absolutely incredible that people living right here in the United States of America wouldn t know that each year the world s large ... Continuare
HOW TO GET FREE RENT
You can get free rent through one of three methods:
1) Manage an apartment.
2) As a building caretaker.
3) House-sitting.
Opportunities to get free rent by all three of these methods may be found simply by checking the classified advertising section of newspapers in the area you wish to live in. Most of the opportunities will be listed under "Help Wanted". Managing apartments consists of col ... Continuare
THE FREE CREDIT CARD TRAP
They arrive in your mail - a conspicuous looking mail piece from some "official looking" bank claiming that you have been Pre-Approved for a MasterCard or VISA credit card.
Of course, you don t have to have any credit. You can even have bad credit or have just filed bankruptcy or even be rated as a "slow payer." It doesn t matter because these companies want to give you a second chance! These ... Continuare
Conditional
Conditional I
Utilizare:
1. cand situatia din propoztia conditionala este probabila, sau se presupune ca se va intampla. Desi sensul poate fi de prezent sau viitor, verbul din propozitia conditionala este intotdeauna la timpul prezent:
The vase will break if you drop it.
If it snows on Christmas day, Emma and Ben will make a snowman.
Will you get me some milk, if you go to the supermarket ... Continuare
Art in the Early Renaissance (1330-1450)
Summary
In keeping with the spirit of humanism, artists of the early Renaissance strove to portray lifelike human forms with correct proportions and realistic clothing and expressions. Artists developed new techniques to give paintings a more three-dimensional, life-like quality, and commonly studied human and animal anatomy in efforts to better understand their subjects.
The first important ... Continuare
Anne Bradstreet
Anne Bradstreet (1612-1672) is one of the most important figures in the history of American Literature. She is considered by many to be the first American poet, and her first collection of poems, "The Tenth Muse Lately Sprung Up in America, By a Gentlewoman of Those Parts", doesn t contain any of her best known poems, it was the first book written by a woman to be published in the United State ... Continuare
Meet me, win me, love me
Meet me, win me, love me
Welcome to the city of wonder! My story? My story is so vague, because fine(or cheaper) alcohol Is running through my veins in every line I write, I am satisfied by anything, wine, champagne, or even the lower standards beer. I can be the rich "not a girl, not yet a woman", quoting our terribly outrageous mentor Britney Spears, which, as low as she is, climbed a pedesta ... Continuare
