Many people do not know what debt consolidation and debt management companies have to offer. To begin with, these companies may offer educational information on managing debt and staying out of debt, ways to consolidate your debt and reduce your monthly payments, and of course ways to repair your credit rating.
The average American has up to eight credit cards in their wallets which carry an average of over $9000 in debts. With interest rates generally being very high (some as high as 18-25%), this debt tends to increase faster than most Americans can pay it off. In this environment it does not take long to find yourself in over your head and needing help to dig your way out of debt.
A debt consolidation company can provide the help you need to see your way clear of this problem. They can offer you a number of solutions, including basic money management techniques and budgeting. In addition they can negotiate with your creditors to reduce your debt and repayments so that you can get out of debt much quicker than you might believe.
Even though debt consolidation companies offer credit consumers many valuable options, some people are still afraid to get involved with them. They may have heard stories about unscrupulous companies that have swindled clients or they may just be leery of giving so many personal details to an outside agency. So when choosing a debt consolidation company to work with it is important to do so with care. Make sure you check out their reference and also check with Better Business Bureau to see if there have been any complaints filed against them. Legitimate companies will encourage you to do this so that your mind is at ease.
After you have selected the debt consolidation company you want to work with, you will be asked to gather up all your unsecured debt information and go over it with a counselor. This is usually done over the phone. The debt consolidation counselor will also help you make a budget outlining your household and living expenses and finding out from that how much of your income you can apply towards paying off your debt and still having enough money to meet your monthly expenses.
They will then contact your creditors and negotiate with them to have your repayments amount lowered, your interest rates lowered or eliminated and can often get late fees and over limit fees waived.
Dont wait until you are losing sleep every night. Seek help from a debt consolidation company today. Youll be glad you did.
Introduction – Clients of our law firm frequently ask us what are the good opportunities for investment in Panama. This web page is probably a long time coming and here it is. Investments are rated by the number of stars *****, five is the best and one is the worst.
Real Estate Flipping * -This is buying a not yet completed condo or townhouse and selling it before it is completed. This gives you a gain (well you hope anyway) and the ROI (return on investment) is great since you only put up to 30% down. Many people we know are trying to sell their flip positions without success. Several large prominent real estate projects have failed to move forward to completion thus the speculators just tied up their capital for no gain and wasted their time and money. The clichs concerning panama real estate flipping would be as follows: If it was that good everyone would be doing it and If it is too good to be true it probably isn?t true.
Construction Raw Materials **** – Now you are talking about a good investment. There is still a tremendous amount of construction taking place in Panama and this is likely to continue for some years to come. All real estate construction materials are in short supply and prices are high. You can start with cement, go to marble, tile, etc and the preceding is all true. This is how one can make some serious money. Capital is required and one would import the raw materials required by the construction industry. We are a Panama Law Firm and we can assist clients strictly as your legal counsel, who wish to engage in such a business enterprise.
Construction Heavy Equipment **** – There is a shortage of all heavy construction equipment used in constructing high-rise residential buildings. It is all in short supply. You could import new or used equipment. You can rent it out by the day, week or month. You can also contract with developers over longer periods as well. The construction of the Panama Canal expansion has not even started yet and this should serve to increase the shortages.
Dump Trucks ***** – There is a serious shortage here. Some projects are severely backed up since they lack the trucks to haul away the dirt from the job site. These can be rented short or long term or supplied to developers on a long-term basis. You could supply, drivers, do the maintenance, have replacement trucks etc and make a fortune. You need not import new equipment; used equipment in serviceable condition would work fine. The developers are more interested in quick completion times than they are interested in extra truck expense costs.
Cement Mixer Trucks **** – Again another shortage, see above.
Expensive Horses *** – Panama has lot of them, many different breeds and at prices much below the North American market prices. This is simple for one in the business. Better yet set up a breeder facility in Panama taking advantage of low land cost and cheap labor and export the horses to the North American market at a tidy profit.
Customer Service Residential Businesses **** – Think of something all the foreigners moving into condos in Panama will want that is not already here and watch your cash register ring. The completed condos are about to occupy and more are completing monthly. This is an amazing market of high disposable income people, mostly without children in their home that are over 40. This one requires excellent marketing skills and is not for the me too businessperson. If you try competing against the locals in their business you will probably lose. You need to bring something new to the table and need to make sure it is not easily copied. Imagine the potential, all you need is the product that the people will want that no one else has in Panama. Of course our law firm can provide all the legal assistance you need.
Hard Money Lender*** – Want to loan money against houses, townhouses and condos this is the market. Imagine 30% to 40% down (60% to 70% LTV), 5 to 15 year mortgages at 3 points over bank rates which are currently in the mid sixes so you would be in the 9% + range. Strictly equity loans in first position giving you serious protection. Rates are currently not so exciting but servicing costs are low in Panama and you would run out of money before you ran out of mortgages.
Panama Web Hosting **** – There is a serious shortage of reliable web hosting companies, no shortage of bandwidth. Run in your lines to a secure facility. Have 24-hour camera surveillance of the site. Use swipe cards for all staff coming and going. Have 24-hour serious security. Promote it as such and you will have no shortage of customers.
Restaurants* – Forget this they come and go all the time. High failure rate, lots of competition.
Hotels *** – Shortage of real five star hotels. There are no real five stars using North American standards. What they call a five star here is at best a four star elsewhere. Good four-star hotels would also fare quite well since they are in short supply as well.
Alternative Health Care ***** – Big shortage, great demand. Come on down. Look into licensure first since that gets tricky.
Maids ***** – Panama currently has a serious shortage of maids. Think of a solution to this and clean up.
Please feel free to contact our law firm for any matter in which you require legal representation in Panama.
If you are in debt then you have probably considered debt consolidation and if you have done your research then you might be a little overwhelmed with the great amount of debt consolidation programs to choose from. By taking your time on search and research online or off line, you would be surprised how easy to find help!
With a lot of these debt consolidation companies it is even hard to see through it all and really figure out what debt consolidation is even all about. It might seem as you have to give your whole life story and personal financial history to a complete stranger, along with sitting through what seems to be a great sales pitch from the representative.
Maybe it has never occurred to you that you may take debt consolidation into your own hands. Along with all things in life there will always be some ups and downs that ill come along with taking these matters into your own hands. If you have no idea where to even begin or start do not get down here is plenty of resources that you can use, this overall will be a lot better then trying to wing your way through. Use your references and resources when dealing with debt consolidation.
The first step when you decide to commit yourself would be to take the situation as a whole and evaluate as a whole. You will need to know how much debt you have , how long has the debt been building, and whether or not your debt is still with the creditor or if I has gone to a collection agency for further collections. Next you will need o prioritize your debt, you never want to loose any secured property so if so you will need to deal with these creditors first, if any.
If you have a good idea and a clear vision of your financial situation , use all of the resources that you can get your hands on. Begin to contact your creditors and begin the negotiation process. This should be one of the more easy parts of the self debt consolidation process, although handling your own debt consolidation will be a very stressful task you will save money with not going through a debt consolidation company. You will also gain the knowledge and know how to handle your financial situations as a whole later.
Here I will list some reasons to consider consolidating loan debt:
One of the main reasons why you should consider consolidating your debt would be to lower your interest rates. This can be one of the best things, when handling this processes, more chances then not you will be given the opportunity to obtain a lower interest rate.
One you obtain a debt consolidation loan your interest rate will now be fixed as opposed to a fluctuating one you may have endured before.
Another reason would be to lower your stress levels. Having debt can cause one to undergo and deal with a lot of stress. This can be both mentally exhausting as well as physically.
Please note: all above information is not an advice. Before you make ANY financial decisions please contact with your financial adviser. Your financial adviser can keep up with changing federal regulations regarding to debt consolidation loans.
There are a few different ways to get certified in forensic nursing. One of these ways is to enroll in an online distance learning program from one of several colleges around the country, but if you can find one close to you, it could work to your advantage. These programs are becoming very popular and would give you a great opportunity to get certified at your convenience.
Forensic nursing offers exclusive challenges to registered nurses looking for exciting health care careers. Many colleges offer online nursing certification courses that help nurses earn the qualifications they need for a rewarding career in forensic nursing.
These programs are becoming more and more popular because you can study at your convenience and not miss any time away from your present job or other responsibilities you may have.
The internet is helping improve the availability and attractiveness of distance learning programs. There are over two million students involved in online programs with over 80% of all colleges offering a form of distance education programs.
While you should consider the popularity and effectiveness in your decision, the particulars about the online classroom experience may surprise you. It actually works in the same way that traditional classrooms work. You will have lectures although not in person. Youll have assignments although you wont be handing them in. And, of course, youll have exams although you wont be using a pencil or paper.
Classes begin at certain times, but you wont have to attend in person. Youll be communicating with an instructor via email, bulletin boards, instant messenger , and chat rooms. Special software programs simulate your classroom and youll have the ability of having virtual workgroups with other students in the program and also work individually with quizzes that may be assigned.
The software gives you access to text files as well as chat functions and bulletin boards. Either streaming audio or recorded video gives you access to the lectures. Most instructors will respond to email on a regular basis usually within 48 hours and offer live class sessions or prerecorded sessions.
With this type of computer assisted environment, these programs are highly effective.
The simple convenience of this type of environment will no doubt make these programs more popular. While weighing your decision about how to get certified, you should keep this option in mind.