Monthly Archives: December 2008

New Year, Stay At Home, Why Not?

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In this edition, we will discuss for those who want to spend    their new year at home. The question is what we can do if we don’t go out to malls, cinemas or the beaches, they must be crowded. How about the road, wow…it is very crowded and the sound trumpet and firecracker disturbing the safety and freshmen. So I have an idea, celebrate it at home, why not? You can invite your neighbor and making a dinner  party ( like making chicken stays or baking  corns ). But if you are lazy to do it, just stay at home at watch TV and I believe the program is good, and there must be any snacks eating together with all family.

Than, what tips needed celebrating it at home :

1.    location
Once more time,   the location is better at home or near at home. So you can save the accommodation and transport.

2.    food
Focusing in many various snacks? Why ? Because you will stay before TV for a long time and it can overcome the boredom waiting for New Year. The cost ?  It has to be cheaper than the big meals.

3.    have a gather
You want to celebrate it with your friends and neighbors ? It is all right. Please prepare the food, they will all come.

Than what about the money ? How to buy the meat, corns and others ? Sat, you have to talk over before to them. So it can help to unburden all outcomes. Are you ready to celebrate it ?

Great Resource to Get the Bad Credit Credit Card

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Do you have a bad credit report? Are you looking for the credit card but just can’t find it? Well having a bad credit report is confusing because it slows us down in finding the new loan or the new credit card.

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All you have to do is just visit this site soon and search for the publishers who will provide you with the credit card. So, visit the site now and get you bad credit credit card.

Don’t Ever Give Your Bank Account Information to a Debt Collector

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I found the great article from the internet that might help you to safe your bank account from being stolen. The title is never give your back account information to a debt collector. I made a little change for the title but I put the complete contain on it. Please read this article taken from the credit dot com and learn from it.

 

If you’re dealing with a debt collector, you should think twice before you give them your bank account information. By providing this information you’ll give the debt collector direct access to your bank account! Find out what Gerri Detweiler advises for one unsuspecting consumer that may have learned the lesson a little too late.

Q: I received a call from a debt collector because I stopped paying a gym membership. While we were talking, she said that they could set a payment plan. She also asked me for my bank’s name. I gave it to her, but I did not what to pay for that at all. She also said she had my routing number and she needed a check number – which I did not give her. I am worried because I think they are going to start taking money from my bank account. Should I call them back and tell them that do not want to make a payment and cancel my bank account?

A: In my book Stop Debt Collectors: How to Protect Your Rights and Resolve Your Debts, which I co-wrote with Mary Reed and attorney John Ventura, we recommended that you never give your bank account information to a debt collector. At this point, I am not sure whether the debt collector will try to take payment from your bank account, but if they do, it may be a matter of your word against theirs.

If you did not authorize payment from your account to the debt collector, I would recommend you talk with your bank immediately and find out whether you need to close the account to protect it.

If you owe this debt, and it’s not too old (outside the statute of limitations) you do need to negotiate a settlement with the debt collector so you can resolve it and move on. Figure out what you can afford to pay and discuss a lump sum settlement. If you can’t afford to pay anything right now, then tell the collector you will contact them in a month to update them on your status. Keep in mind they may sue you to collect, but whether they actually will depends on the amount of the debt and whether they believe they can collect if they do win their lawsuit. By Gerri Detweiler