Credit card debt is spiraling out of control and now accounts for $1 trillion worth of US consumer debt alone, so how can this debt be tackled. Firstly, the use of credit cards must be stemmed; millions of Americans are using their cards to pay for groceries and household expenses and treat their card as their wallet rather than a source of emergency funds. The credit card companies have been prolific in their encouragement of this type of card use and the end result has been that many Americans are paying minimum payments every month and will never clear their credit card balance.
Personally I don’t like the idea of paying $100 for a 50c can of pineapple chunks, sounds like an exaggeration doesn’t it? But, the truth of the matter is that you will eventually pay well over the odds if you do not clear your credit card balance in full.
If you are one of the millions of Americans facing an uncertain future because of potential employment issues or the economic situation then it is probably wise to look into methods to reduce your outgoings and gain control over your credit card debt. One of the best methods of doing this is to consolidate credit debt by applying for one of the many consolidation products currently available.
The end of the financial year is an excellent time to buy an automobile. That is the time of year when automobile manufacturers and dealerships are willing to make the best deals. Many offer deals at the end of the financial year they would not consider doing anytime else. No manufacturer wants to have vehicles returned to them unsold. No automotive dealership wants the previous year’s model sitting on the lot when the new models are being released. For this reason the end of the financial year is a great time for consumer to purchase cars.
Each year vehicle dealerships receive a certain allotment of new vehicles. Generally these vehicles have all the latest refinements so their prices are usually high. Many consumers love to be the first person to own certain vehicles. These are the people who flock to the dealerships at the beginning of the financial year. Businesses that lease fleets of vehicles also get them at the beginning of the financial year. For the person looking for a good deal that would be the wrong time to attempt to buy a vehicle. The dealers are excited about the new vehicles and businesses and certain individuals want them the moment they roll off the production line. New car sales soar as consumers are intrigued by the car brochures promising all manner of benefits.
When the financial year comes to an end there tends to be a number of unsold new cars sitting idle. The savvy buyer knows this and understands the dealership is desperate to unload its old inventory to make room for the new models waiting to arrive. The year-end buyer can choose from low mileage, well maintained fleet vehicles, slightly older trade-ins, demonstration models with many great accessories and very low mileage and brand new models from the year which is coming to an end. It’s a buyer’s market and they can often negotiate very favourable terms.
IRENE D’AGNESE (GOULETAS) v. VICTOR J. D’AGNESE
COURT OF APPEALS OF VIRGINIA
March 19, 1996, Decided
Irene D’Agnese appeals the circuit court’s ruling that it had jurisdiction over the issue of child custody in divorce proceedings initiated by Victor D’Agnese. The family resided in Virginia until 1992. In that year, Mrs. D’Agnese filed for divorce in Virginia, requesting custody of the children. Later that year, Mrs. D’Agnese filed a petition for an order of protection with the Circuit Court of Cook County, Illinois. She claimed that the court had jurisdiction because the children were physically present in the state and it was necessary to protect them from mistreatment and abuse and she voluntarily dismissed the Virginia divorce petition. Then the Illinois court granted an emergency protection order and granted temporary custody of the children to Mrs. D’Agnese. Subsequently Mr. D’Agnese filed for divorce in Virginia. The Virginia court ruled that it was the proper court to exercise jurisdiction under the UCCJA because Virginia was the children’s home state. On August 11, 1994, the circuit court denied Mrs. D’Agnese’s motion to dismiss Mr. D’Agnese’s petition for lack of jurisdiction.
Whether the Virginia court had jurisdiction over the issue of child custody in divorce proceedings?
Most people advocate the case of credit cards, quoting the benefits and convenience that arises from them. However, there is another group/line-of-thought that strongly opposes credit cards. The reason being Excessive Credit Card Debt’, which is one of the most serious problems faced by the credit card holders and credit card industry. However, you can’t pull the shutters on the credit card industry just because of a few irresponsible people (or even if it’s more than few). That is not a solution for beating excessive credit card debt. Moreover, you can’t overlook the benefits associated with the credit cards.
The issue of excessive credit card debt can be looked at from 2 angles. First is addressing of the excessive credit card debt problem at the industry level and second is the addressing of the excessive credit card debt problem at the individual’s level i.e. at the credit card holder level. The first method involves increasing awareness of the excessive credit card debt problem to the masses. This is more or less being done currently too. However, there should also be an effort to tackle this problem of excessive credit card debt at an even deeper level. This means trying to devise a mechanism to nip the problem (of excessive credit card debt) in the bud. This mechanism should actually be a part of the overall system. A lot of thought needs to go into devising such a mechanism. Case studies should be taken up, statistics gathered and a proper forum formed (with representatives from the credit card holders and from the credit card suppliers). As of now, the credit card suppliers just seem to be engaged in coming out with new products and getting customers enrolled to those products. There is little attention paid towards addressing the problem of excessive credit card debt in the real sense. Something like attending mandatory seminars on the root causes of excessive credit card debt could be made part of the credit card application process.
Another way of dealing with the problem of excessive credit card debt could be: developing a system for calculation of applicable credit card limit at the individual level i.e. no standard/product-based credit limits. Then there could be mechanisms for proactively warning the users about excessive credit card debt (based on their credit card usage) or even imposition of early restrictions on noticing the first signs that lead to excessive credit card debt.
In today’s world, the consumer is the key to the success of any business. This is applicable even in case of Banking. In a world of smart computing, customers can make or break the operations of a bank with just one delay in processing to their request. Hence, today banks regard customer service and satisfaction as the top priority item in their business goals.
What directly influences customer service is a banks internal operations. This includes the experience at the front office and the back office processes that enable quick delivery of solution to customer requests. AWPL’s banking solutions enable banks to imbibe efficiency into their front and back office operations through solutions that automate and increase efficiency of the core business lines such as account opening, loans etc. Futher, with banking software on cloud AWPL provides enterprises easy to use and cost-effective options to invest in technology. Some of the major benefits the banking software has brought to the industry include:de:
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Today with the advent of powerful software programs and faster computers, many traders are applying mathematics to get an edge in their quest for Forex profits but which method is the best? Let’s find out…
Let’s define what a mathematical theory is first – it’s an objective theory that works ALL the time, not some of the time.
Now there is no theory that works all of the time, as if there were, there would be no market, as we would all know the price in advance. All the theories that claim they are mathematical and predict are not right all of the time, so anyone who claims prices move to mathematics is wrong – they don’t.
Business owners are often confronted with non-paying customers. If that happens to you, do not hesitate to hire one of the best debit collectors in Canada. An established collection agency can recover a lot of debt in a timely manner. Having more funds available will improve e.g. your cash flow.
A great way to find the best possible debit collectors in Canada is by looking for agencies familiar with your type of business. Collecting tactics that work for one industry are not always successful in another. A lot of information can be found online, so study all your candidates’ websites. If the debit collectors do not mention their specialty on their site, simply contact them by phone or email.
Never hire any service provider without checking their reputation. Request references and follow up on them. Does the agency specialize in commercial collections, or do they focus more on individuals who, for instance, stopped paying on their car, furniture, new flooring, etc.? Ask how the agents collect outstanding funds. You do not want to ruin your own reputation because the agency you hired is harassing your customers. Review the letters debit collectors in Canada mail out, as well as their telephone scripts. Never use a debt collection recovery specialist unfamiliar with skip tracing. Your agency needs this tracing method to find customers that have moved or disconnected their phone. There are many reasons why people relocate, yet none of them should be because they do not want to pay their debt. By going through a number of lists and comparing available legal data, debit collectors in Canada can find your customers and try to collect the outstanding funds. Hiring a collection agency is an effective solution. Think about how much quicker your company could have grown if you had all the money at your disposal that rightfully belongs to you. Do not hold your company back any longer. Act now.