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<title>Federal Consumer Laws and Credit Agencies – How the Educated Consumer Can Benefit</title>
<link>https://agatrnd.info/?p=44</link>
<comments>https://agatrnd.info/?p=44#comments</comments>
<pubDate>Fri, 19 May 2023 15:40:27 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Law and Issues]]></category>
<guid isPermaLink="false">http://agatrnd.info/?p=44</guid>
<description><![CDATA[Introduction There are a group of federal statutes that provide a broad range of important protections for consumers against harmful lending practices. These statutes include the Fair Credit Reporting Act (15 USC 1681), the Consumer Credit Protection Act (15 USC … <a href="https://agatrnd.info/?p=44">Continue reading →</a>]]></description>
<content:encoded><![CDATA[<div id="article-content">
Introduction
There are a group of federal statutes that provide a broad range of important protections for consumers against harmful lending practices. These statutes include the Fair Credit Reporting Act (15 USC 1681), the Consumer Credit Protection Act (15 USC 1671), the Fair Debt Collection Practices Act (15 USC 1692), the Truth in Lending Act (15 USC 1601), and the Fair Credit Billing Act (15 USC 1666). These laws are designed to protect consumers against abuses by creditors and credit agencies that can have a devastating effect upon people’s credit scores, can impede their ability to pursue employment, and can keep them in debt.
The educated consumer should know how to take advantage of federal laws designed to protect against abuses by creditors and credit agencies. With proper documentation that is easy to prepare, the consumer can often force creditors and credit agencies to correct errors or to pay significant damages through a lawsuit
To benefit from this protection the consumer needs to understand the basic rights granted by each statute and to know how to use them to advantage. If the reader is concerned with the specific application of a statute to the particular facts of his case, he should seek legal advice from a lawyer in his state. This article focuses on the rights established under the Fair Credit Reporting Act.
Background
In 1968 Congress passed the Fair Credit Reporting Act (the FCRA) to protect consumers against unfair credit reporting. Congress said:
“Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers…There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer’s right to privacy.”
People are frustrated as well as financially damaged when they try to correct errors in their credit reports and the credit agencies ignore them. You can minimize these frustrations by taking common sense steps that will convince or, if necessary, force the credit agency to act. The threat, or even hint, of a properly documented legal action will often break the logjam. The threat becomes even more effective if an attorney becomes involved, and the statute provides ways you can obtain the services of an attorney at little or no cost to the consumer.
Lawsuits Under The FCRA
To win a civil case, a plaintiff must establish both liability and damages. If a plaintiff proves that the defendant has violated a legal duty (liability), he is then entitled to the damages allowed under law that he can prove. Consumers can sue for violations of the FCRA in either federal or state court, and the FCRA gives the consumer powerful legal tools to pursue his case. These tools give the educated consumer powerful leverage to convince or compel credit agencies to correct errors in their reports.
Summary Of The Fair Credit Reporting Act
The FCRA consists of numerous lengthy sections that are written in technical and often confusing language. Some provisions apply to limited circumstances while others have a broad application. We will discuss the most important provisions including compliance procedures and civil penalties.
The statute defines “consumer” as an individual, which means that FCRA does not protect corporations, partnerships or other business organization. It applies only when a “consumer report” is involved. A “consumer report” is any communication of information that can be used to evaluate credit or to determine qualifications for employment, insurance underwriting, governmental license, legitimate business transactions that are initiated by the consumer, and other specific uses such as concerning national security investigations. There are specific restrictions on the use of medical information and limited disclosure of information permitted to governmental agencies. The consumer must consent before a prospective employer can review his report.
Only certain information can appear in a consumer report. Bankruptcies more than 10 years old and other adverse information except for records of convictions of crimes more than 7 years old must be removed. The counting period starts 6 months after an action has been taken on a delinquent account.
There are provisions against identity theft and a notice provision if an investigative consumer report is being prepared about the consumer. The consumer is entitled to certain information appearing in his report.
If the user of a credit report takes adverse action based on the report, he is obligated to provide the consumer with the name of the credit agency furnishing the report and other information. It is also a violation to obtain a consumer credit report under false pretenses.
Compliance Procedures
The key provision of the FCRA is section 1681e. entitled “Compliance procedures.” This section establishes the principal obligations of consumer reporting agencies. Each agency “shall maintain reasonable procedures designed to avoid violations” regarding the inclusion of forbidden information and “to limit the furnishing of consumer reports” to permitted purposes. Paragraph (b) is probably the most significant provision in the entire FCRA:
“Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.” (Emphasis added).
Section 1681i. extends the compliance provision by obligating the credit agency to conduct a reinvestigation of disputed information when a consumer notifies the credit agency of a dispute. The agency must also inform the consumer of the result of its investigation. The compliance requirement has important practical applications which are discussed below.
Courts have held that “reasonable procedures” are procedures that a prudent person acting as a credit reporting agency would follow under the circumstances.. Agencies have been held liable where the consumer complained about inaccurate reports and the agency failed to investigate. (Remember this point – it is important.) Agencies have also been found liable where they failed to report that an item was disputed. If there is an inaccuracy that is not brought to the agency’s attention, the question is whether the danger of harm to the consumer warrants the effort needed to detect and avoid the inaccuracy. The consumer can also establish lack of reasonable procedures by demonstrating reasonable alternative procedures that would have prevented the inaccuracy. The consumer can prove his case without discussing the specific procedures employed by a credit agency. These are all questions of fact, and the educated consumer can do a great deal to establish the facts that he needs to win.
Damages for Willful and Negligent Noncompliance
This section imposes liability on any “person” violating the FCRA. This includes both credit agencies and users of credit reports. Once the consumer has established a violation of the FCRA, he is entitled to damages. Section 1681n and 1681o make the FCRA a powerful enforcement tool for the consumer. Section 1681n describes the civil liability of credit agencies for “willful noncompliance.” The consumer in that case is entitled to actual damages, damages specifically allowed by statute which range from $100 to $1000, punitive damages, costs, and reasonable attorney’s fees. Section 1681o addresses civil liability for “negligent noncompliance” which entitles the consumer to actual damages, costs, and reasonable attorney’s fees.
The consumer is entitled to actual damages, costs and attorney’s fees for both willful and negligent noncompliance. Actual damages have been interpreted to be inclusive of almost any negative consequence. They include out of pocket expenses, injury to creditworthiness, loss of reputation, embarrassment and humiliation, and mental and emotional distress. In one case a plaintiff was awarded $50,000 for worry, stress, anxiety, loss of sleep and expenses of litigation. Costs are actual out of pocket expenditures for the litigation as well as statutory costs. Attorney’s fees are calculated on the basis of the attorney’s hourly rate and may be awarded where there is a successful outcome.
If the plaintiff proves that the noncompliance was willful, he or she is also entitled to statutory damages of $100 to $1,000 and punitive damages. To show willful noncompliance, which imposes a higher legal burden, the plaintiff must show that the defendant knowingly and intentionally committed the act in conscious disregard of the rights of others. Some decisions have also included “reckless disregard” of the rights of the consumer. The plaintiff does not have to show malice or evil motive. Courts have held that there was a sufficient showing of willfulness where a company knowingly included false information in a credit report; where a user of a credit report failed to properly identify a consumer reporting agency in a letter denying credit; and where a credit agency repeatedly sent meaningless form letters in order to wear out the consumer. Someone was held to have acted recklessly where he did not independently analyze a dispute. There are many cases where the claim of willfulness was rejected.
Factors in determining the amount of punitive damages to be awarded include the purpose of the FCRA, the harm to the consumer, the manner in which defendant conducted its business, and defendant’s income and net worth. The plaintiff does not have to prove actual damages in order to get punitive damages.
There are also criminal penalties for obtaining information under false pretenses or knowingly giving information to an unauthorized individual. In such cases the violator can be fined or imprisoned for not more than 2 years. Additionally, the FCRA can be enforced by the Federal Trade Commission and other federal and state agencies with a civil penalty not more than $2,500.
Practical Suggestions
The FCRA applies when the consumer discovers an error in his or her credit report, which unfortunately happens more frequently than expected. The consumer can greatly increase his chances of obtaining a quick and favorable response from the credit agency by following certain common sense procedures. In the event that the agency still does not correct the problem, the work done by the consumer will be useful if a lawsuit becomes necessary.
As we have noted, cases have found a credit agency in violation of the FCRA when the consumer notifies the credit agency of the error and the credit agency does nothing. As common sense suggests, the stronger the documentation establishing these facts, the harder it will be for the credit agency to avoid liability. This translates into a practical course of action. The consumer must give adequate notice of his claim to the credit agency.
A critical point to understand is that it is not enough to give the credit agency notice of a complaint; the consumer must be able to prove that the credit agency actually received the notice. To do this the consumer should send the notice by Federal Express, UPS or similar carrier that records delivery. In some instances an email with an acknowledgment of receipt will be sufficient. Not only will the consumer then have proof of delivery, but the credit agency will know that the consumer has that proof and may be more likely to respond.
The next question is what information should the consumer send to the credit agency? The answer is documentation that will most strongly establish the validity of the consumer’s claim.
Example 1. Say, for example, that the credit agency has failed to note that an obligation has been fully paid. Often the consumer will call the creditor, ask him to send a letter to the credit agency, and wait. If nothing happens, it may because the creditor failed to send the letter, because the letter did not reach the credit agency, because the letter gave incomplete information, or because the credit agency failed to act. There is no way to determine what happened, so the consumer has no basis for a claim against the credit company.
Compare this with a more effective proactive approach. Assume the consumer himself obtains a written letter by the creditor that full payment was made on a stated date and the consumer sends that letter with his own written request that his account be corrected . This letter is delivered to the credit agency by Federal Express or UPS. If the credit agency ignores this information, how can it then claim that it is following reasonable procedures? And if a credit agency cannot show it followed reasonable procedures, then it has violated the FCRA.
Example 2. Let’s take a more complex case. Suppose that the consumer validly cancels a purchase order but the creditor erroneously reports it as unpaid. If the creditor issues a letter admitting its error, that should be sufficient. But what happens if the creditor simply doesn’t cooperate? What documentation would convince an objective person knowing nothing about the case that the consumer did in fact cancel the transaction and that the debt was erroneously reported?
The first thing needed is proof of the cancellation. The best proof would be documentation from the consumer to the creditor expressly stating that he was cancelling the order and saying why he was entitled to cancel the order. The letters, which must always be dated, should be written to fit the particular facts of the situation. Most important, the letters should be short, direct, and blunt. They must specifically say what has happened and never consist of vague hints or suggestions. Depending on the facts, the letters could read as follows.
“Date
Dear Mr. Creditor:
Please be advised that I am cancelling order no. xxxx as is authorized by paragraph 7 of your purchase order. Please mark your records that the order has been cancelled.
Very truly yours,
Consumer”
Another scenario might be:
“Date
Dear Mr. Creditor:
I am confirming my conversation with Joe Smith of your office that I have cancelled purchase order no. xxx. Please mark your records that the order has been cancelled.
Very truly yours,
Consumer”
This means that the educated consumer should know that when he cancels or makes an important change to an order, he must immediately document the cancellation or change in writing with date included and deliver that writing to the creditor by Federal Express, UPS or email with receipt requested.
The next thing needed is documentation showing that the creditor acknowledged the cancellation, either expressly or by the fact that he did not deliver the product. Again, written acknowledgment of the cancellation would suffice. If the creditor does not cooperate, the consumer can submit an affidavit (a written statement that is sworn to be true and signed and stamped by a notary public) stating that the creditor accepted the cancellation and did not deliver the goods. Since the product was never delivered, the creditor has no way to rebut this documentation.
The consumer should then write a letter to the credit agency expressly setting forth the facts.
“Date
Dear Credit Agency
I am writing to notify you that charge no. 1234 on my credit report is in error. On [date] I cancelled the order, and the creditor accepted the cancellation and never delivered the products. The cancellation is established by my letter to creditor dated [date] which is annexed and the acceptance and non-delivery of goods is established by my annexed affidavit.
Please either correct my credit report immediately to reflect this information or investigate this request immediately and advise me within 30 days of your findings.
Very truly yours,
Consumer”
Let’s say that the after receiving the cancellation letter and the affidavit from the consumer, the credit agency does nothing. The agency would be in violation of the FCRA. The practical effect of this documentation is that the credit agency probably would follow the path of least resistance and either correct the report immediately or investigate and then correct the report. The consumer gets the results he wants, first because he took the initiative and got the necessary documentation, and second because he sent the documentation to the credit company in a way that lets him prove receipt.
Getting An Attorney The FCRA allows a consumer to be reimbursed for his or her attorney’s fees when the consumer prevails in a lawsuit. By having relevant, concrete documentation as we discussed above, the consumer himself establishes what is probably a winning case. (As any honest attorney will agree, there are never any guarantees.) The consumer should be able to find an attorney to represent him if a litigation against a credit agency becomes necessary and he has already established a strong case. As part of the representation, the attorney probably will first write a demand letter to the credit agency, and that letter in and of itself may be sufficient to get the desired result.
Conclusion
The FCRA empowers the educated consumer to protect his rights with credit reporting agencies. Effective use of these rights can be of substantial benefit to the financial health and welfare of the consumer.
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</item>
<item>
<title>Discover The Tips That Can Lead You To A Prosperous Affiliate Marketing Strategy</title>
<link>https://agatrnd.info/?p=42</link>
<comments>https://agatrnd.info/?p=42#comments</comments>
<pubDate>Tue, 09 May 2023 18:17:49 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[Affiliate Marketing]]></category>
<guid isPermaLink="false">http://agatrnd.info/?p=42</guid>
<description><![CDATA[If it’s affiliate marketing that you want to learn about then you have come to the right place. When it comes to affiliate marketing it’s sometimes the little tips that you know that contributes to your success. Experts and newcomers … <a href="https://agatrnd.info/?p=42">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ If it’s affiliate marketing that you want to learn about then you have come to the right place. When it comes to affiliate marketing it’s sometimes the little tips that you know that contributes to your success. Experts and newcomers alike can appreciate any and all tips that come there way, so dive in and digest these useful tips.When selecting an affiliate marketing program, look for a company that offers a unique product. If you are just one person in a sea of reviews for the same product, you are less likely to have a high number of buyers. Promoting a product that is unlike anything else on the market and is not being promoted by many others will have a higher rate of success.Use content marketing to sell affiliate products. Most people will not buy a product through an affiliate link without any prior information about the product or what it can do for them. To increase future sales send potential customers to an authority website where you regularly provide helpful advice related to the niche your affiliate product falls into. Include your affiliate link on the site.When looking for payout from an affiliate marketing program, remember that many companies will hold on to your money for quite some time after a sale. In many cases, you have to meet a lower threshold before you are allowed to withdraw your commission. In other cases, the parent company may hold your money until after they ship the product, to ensure the order isn’t cancelled or returned. Don’t expect instant payout on a sale.Developing and keeping a list of ideas handy is a great way to achieve in affiliate marketing. Once you learn a great tip or have one of those proverbial light bulb moments, always remember to make a note of it so you can refer to it later on. As you progress in your note-keeping, you can begin to form campaigns from loose ideas.Using text services can help you earn profits. Although this is a new service, many affiliates are already using it to communicate with customers as well as promote new affiliate offers and products.Affiliates with blogs should be keeping their readers informed at all times. Blogs by nature have regularly updated content, and thus they receive recurring visitors. Create a resource page for your visitors so that they can easily check and find old content if they are interested in knowing more.While using affiliate marketing, remember that you want Internet users to trust in you. If you use an ad for a product or company that you don’t have faith in, your customers will not have faith in it (or you) either. Too many ads, or ads that are not relevant to your content, will seem suspicious, and visitors will end up not trusting what you have to say.Add content that your readers want along with your affiliate links. If you provide reasons for your audience to click on your links, you will find much better success. If you just type a list of baby items you like with links, you’ll receive much less response than if you type reviews and why you loved these items.Nothing destroys a visitor’s opinion of a website owner faster than a concealed advertisement. This does not mean that it is impossible to satisfy visitors and engage in affiliate marketing; the honest webmaster is simply honest and transparent about it. Visitors should always be made aware when a website gets money for endorsing a particular product. They rarely resent a straightforward advertisement as they do a duplicitous one.The best way to use affiliate marketing is to know your audience. You need to ask yourself why people are coming to your site, and what it is they want. Once you know that, you will be more successful because you will be able to give people what they are looking for.If you are going to make cash through the affiliate marketing industry, it is important that you know who your audience is. If your website is about to trumpet mouthpieces then you probably will not make very much profit by advertising for vacuum cleaners because your audience is not in the market for a new vacuum.It is important to always disclose your affiliates right from the start. This will give your readers a sense of who you are and what you are about. They will also not feel surprised or manipulated when they see the advertisements from those companies, and you may end up bringing more business to those companies.Trying different affiliate programs to find which one works best for you is okay. You have to find one that meets your needs with a payment plan that works best for you. You should also check other affiliate vendors to see if there are others that meet your needs more.A great affiliate marketing tip is to make sure the vendor you’re working with doesn’t use tricks on their sales page to cheat you out of your commission. Sometimes companies will offer the visitor different options in terms of payment, and by selecting those options, you won’t receive any commission.To increase the success of your affiliate marketing, evaluate the marketing platform of a potential affiliate company before you decide to advertise their products. If the quality of the company’s marketing is poor, you will not be likely to receive worthwhile profits from promoting their items. If you are not impressed, your visitors will not be either.Make sure the affiliate program you choose provides you with tools to make selling easy. They should already have an array of graphics that they know drive sales, and text links which work. They should even have letters you can use via email or text snippets you can post on Twitter and Facebook. If they don’t, you should pass.Experiment with a variety of different affiliate marketing programs, rather than just sticking with one. Different programs have different drawbacks and bonuses – for instance in the way they pay out, or the percentage of commission. Working with different vendors means that you will still have an income even if sales through any one vendor slows down. It’s worth taking the time to find a spread of vendors whose products and program you feel enthusiastic about.Using the product that you are interested in selling before becoming an affiliate marketer can be an invaluable experience. The experience of using the product will also give you ideas on how to market the product’s usefulness, particularly, what areas the product performs well in. It will also help you to identify whether it is a high-quality product or a product that is not worth selling. If the product is not worth selling, don’t waste your time with that company. Many companies also offer a free trial period for their products, so make sure you take advantage of it when available.Do not forget that affiliate marketing expands further than the Internet. You do not have to convert someone online. You may find a product that allows you to pitch by phone or by snail mail. This is a great way to increase your profits and profile as an affiliate. Just be sure that you’re ready to handle the work.Remember, the more you learn about affiliate marketing the more potential success you can achieve. You can use and apply the tips you learned from this article to other tips you have learned throughout your affiliate marketing endeavors.
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</item>
<item>
<title>Payday Loans and Installment Loans – Which Is Better?</title>
<link>https://agatrnd.info/?p=40</link>
<comments>https://agatrnd.info/?p=40#comments</comments>
<pubDate>Fri, 05 May 2023 13:11:15 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Loans]]></category>
<category><![CDATA[bad credit loans]]></category>
<category><![CDATA[best payday loans]]></category>
<category><![CDATA[how to get a payday loan]]></category>
<category><![CDATA[loans]]></category>
<category><![CDATA[online payday loans]]></category>
<category><![CDATA[pay day loans]]></category>
<category><![CDATA[payday]]></category>
<category><![CDATA[payday lenders]]></category>
<category><![CDATA[payday loan]]></category>
<category><![CDATA[payday loan consolidation]]></category>
<category><![CDATA[payday loan help]]></category>
<category><![CDATA[payday loans]]></category>
<category><![CDATA[payday loans app]]></category>
<category><![CDATA[payday loans newark]]></category>
<category><![CDATA[payday loans online]]></category>
<guid isPermaLink="false">http://agatrnd.info/?p=40</guid>
<description><![CDATA[Before deciding which type of loan is better, one must take into account the situation. Both payday and installment loans for poor credit can be beneficial in different ways, despite recent criticism from advocates for consumers. There are those that … <a href="https://agatrnd.info/?p=40">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Before deciding which type of loan is better, one must take into account the situation. Both payday and installment loans for poor credit can be beneficial in different ways, despite recent criticism from advocates for consumers. There are those that are beneficial and legit, and others that have the effect of dragging consumers into a cycling of owed debt.Payday loans as well as installment loans are often referred to as small-dollar and high-cost loans. This is because they usually carry high interest. That’s because the borrowers are usually low-income, or carry poor credit to no credit. Hence, they are considered subprime borrowers and usually don’t have access to cheaper credit options like credit cards or home equity lines of credit via institutions like credit unions and banks.Here are some of the differences between payday loans and installment loans so that a potential borrower can make an informed decision.Payday LoansPayday loans are those that can be anywhere from a hundred dollars to fifteen hundred. They are meant to be short-term and paid back in 30 days or even less. Typically, the pay back is due on the upcoming payday. This is where things get tricky for the consumer as they find themselves short on the next payday, then the next. It’s best to only use this type of loan if extra funds are coming in.The loan is usually set up by post-dating a check or by automatic withdrawal after the borrower’s paycheck has been deposited into the account used to secure the loan. There is a fee charged, and it’s usually a very high percentage so it’s best they be ready. Further, the loan is unsecured and the lender will take into consideration the borrower’s ability to repay before approving.If for some reason the borrower can’t pay back the loan will have more fees tacked on and it will be owed in another 2 to 4 weeks.Installment Loans for Poor CreditInstallment loans for poor credit $150 to thousands of dollars. They carry principal, interest and finance charges to include insurance and fees. All of it is repaid in monthly installments that are fixed and set over a set amount of months. The APR is higher than that listed on the contract usually because of the various types of credit insurance, so that’s something to pay attention to.Another important note on installment loans for poor credit is that they can be renewed in as little time as every few months with new interest charges, credit insurance and fees. In most cases, the loan amount will reset to the first amount borrowed, and sometimes it’s increased. To secure the loan one will need to use property such as a car, electronic device, firearm, jewelry or other higher priced items. Real estate can’t be used as collateral in installment loans for poor credit.Using this information, anyone that is looking to decide between either a payday loan or an installment loan for poor credit can make a better decision based on what they need and what they can work with. Both options can work when one is strict with repayment and keeps on top of the terms. It does take a lot of discipline, especially with a payday loan or one may find themselves in that endless cycle of borrowing and repaying.For those with poor credit, it is a great option and can completely satisfy the immediate need for cash should that circumstance arise. As with any agreement involving money, reading and analyzing the fine print and using a well-known lender is a smart move.
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</item>
<item>
<title>Mortgage Tips For the Self Employed – Plan Now For Future Success</title>
<link>https://agatrnd.info/?p=38</link>
<comments>https://agatrnd.info/?p=38#comments</comments>
<pubDate>Fri, 05 May 2023 09:34:06 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Employment]]></category>
<category><![CDATA[casual employment]]></category>
<category><![CDATA[employ employment]]></category>
<category><![CDATA[employment]]></category>
<category><![CDATA[employment at will]]></category>
<category><![CDATA[employment bond]]></category>
<category><![CDATA[employment contract]]></category>
<category><![CDATA[employment gap]]></category>
<category><![CDATA[employment law]]></category>
<category><![CDATA[employment lawyer]]></category>
<category><![CDATA[employment news]]></category>
<category><![CDATA[gaps employment]]></category>
<category><![CDATA[the employment]]></category>
<guid isPermaLink="false">http://agatrnd.info/?p=38</guid>
<description><![CDATA[Mortgage tips for the self employed can be summed up in two words: plan ahead. Self employed people face the common perception that they are high risk borrowers, based on their variable monthly incomes and on their lack of official … <a href="https://agatrnd.info/?p=38">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Mortgage tips for the self employed can be summed up in two words: plan ahead. Self employed people face the common perception that they are high risk borrowers, based on their variable monthly incomes and on their lack of official income documentation. Lenders like to see steady monthly income from their loan applicants, and generally self employed people can’t prove they have such steady income without pay stubs and W-2s. Documenting income and preparing to apply for a loan are important steps for self employed people. Self employed people go through a different process than wage earners when applying for a home loan.Tips for the self employed, therefore, have a different focus than those for traditional loans. Wage earners should demonstrate long term employment and good credit, while self employed people have the extra responsibility of proving their monthly and annual income. They should be able to show a lender three years of financial records proving their income, up to date client contact lists, and audited financial statements verifying income.One of the main issues with self employed income is that the bank uses personal and business tax returns to determine income. Many self employed people deduct a large amount on their tax returns in order to lower their net income on which they must pay taxes. In this situation, self employed people can appear to have low income and high business expenses, reducing their chances of being approved for a loan. Suggested mortgage tips for the self employed who face the problem of artificially low income due to tax return accounting are to take fewer deductions for a period of 2-3 years prior to applying for a home loan, and to pay more federal taxes during the same period in order to report higher income.Many self employed people wear all the hats in a business, including keeping track of expenses and doing taxes. In some cases, records may not be as accurate or meticulous as a lender would like to see. For this reason, mortgage tips for the self employed always include planning ahead so that the individual can provide the necessary paperwork to the lender when applying for a home loan. While net income may appear low, records may not be available, and client lists may not be updated now, knowing that all this paperwork will be required for a mortgage allows the self employed to prepare for future homeownership.
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<item>
<title>The Recession Hurts – Buying Health Insurance While Unemployed</title>
<link>https://agatrnd.info/?p=36</link>
<comments>https://agatrnd.info/?p=36#comments</comments>
<pubDate>Fri, 05 May 2023 05:59:57 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[Acne]]></category>
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<description><![CDATA[With the recession upon us, unemployment has become a reality and is at an all time high. The media and organizations are getting information out to the public on how expensive health insurance can be when combined with unemployment income, … <a href="https://agatrnd.info/?p=36">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ With the recession upon us, unemployment has become a reality and is at an all time high. The media and organizations are getting information out to the public on how expensive health insurance can be when combined with unemployment income, or the lack of income. It is so true that health care costs are on a rise, even more so when you elect to take on the expense of COBRA (Consolidated Omnibus Budget Reconciliation Act of 1986). Fortunately, there are other options families have to choose from. Health insurance is a necessity, like food and shelter. It is not worth the “cost” of not having health insurance. With COBRA being at the high expense that it is, most people move to alternative means of healthcare, such as a Short Term Medical (STM) or their own private health insurance plan.There is the argument that if you have a pre-existing condition you will not be able to get any coverage or have to settle for lack of coverage. This is true; if you have one of over 150 conditions out there you can become uninsurable. You will not be able to buy coverage on your own outside of the high-risk pools. COBRA has its downsides when it comes to pre-existing conditions as well. However, the most common conditions are usually covered, as well as many other conditions that could be covered, only if you work with the right health insurance agent. A truly independent agent has the ability to develop relationships with multiple carriers along with the ability to converse with them to see what the probable outcomes are. Some of my best clients are still amazed that I was able to get them coverage, often times better than what they had before despite the pre-existing condition.Another option for families who are on a tight budget is taking on a Short Term Medical (STM). Basically, you are renting a health insurance policy for catastrophic, only over a short period of time. The health insurance companies give you a break on the price because:1) The policies expire at a maximum of 6 months with an option to renew.
2) They may only provide a discount for the minor things such as, but not limited to:
Doctor Visits 
Lab Work 
Wellness 
Rx coverage 
The downsides to having an STM are:1) Like COBRA, the policy eventually runs out. If you develop a health condition while on the policy and you need to continue treatment, the insurance company may turn down the renewal. 
2) If the condition is on their list of conditions that are uninsurable, even if the treatment is over, a policy would not be offered for that individual.From my experience, I can tell you that it is much safer to provide your family with more permanent coverage such as a private health insurance policy. The policy can never cancel on you due to health and usage of the policy. It will also never expire on your family. This way if you move to a new employer that does not provide health insurance benefits for your family, or if you start your own business, you can still buy more catastrophic health insurance (such as a Health Savings Account (HSA) Plan) to keep premiums more affordable and have more coverage than an STM.The lack of health insurance can cause major problems. Far too often the uninsured delay the needed medical attention. As a result, adults can wind up with conditions that otherwise could have been prevented. The flip side is if you end up seeking medical attention, many people end up in debt over it.There are a couple of things you can do to have permanent insurance more affordable for your family. The first you have to do is ask yourself what is the most important thing for you to insure. This is a very good question to ask. Some people may claim going to the doctor is the most important thing for them, however you cannot buy health insurance to cover just doctor visit co-pays. There is a reason for that. We don’t buy health insurance to save $70+/- at the doctor. We would buy insurance for the big expensive claims. To make it more affordable you may have to go with a high deductible. The good news is you don’t need your deductible in cash at the time of claim. The facilities are usually reasonable with payment plan options to make it more affordable for your family. Having $5k-10K out of pocket if something happened to your family is much better than having $100,000.00 bill hanging over your head for not having insurance.Your employer is in complete control of how they distribute your health insurance coverage. This is one of the contributing problems when you become unemployed. They can make changes to the policy (i.e. deferring more cost to the employees), do away with the health insurance all together or lay you off. Unfortunately, you do not have a say so unless you are the owner or on the board of directors. It seems the problem starts when unemployment hits. In the world of health insurance, many of these problems can be prevented if families just took advantage of buying their own private health insurance policy. This way if you are employed or not, it is not a reality check. In fact, it is already factored into the monthly budget, right? You have control of the benefits by choosing the plan that best fits your needs, your wants and your budget. Work with an independent agent to be sure you have all the options.
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<title>Health Insurance Basics – Common Definitions and Tips For First Time Buyers</title>
<link>https://agatrnd.info/?p=34</link>
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<pubDate>Thu, 04 May 2023 17:38:01 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Health]]></category>
<category><![CDATA[Acne]]></category>
<category><![CDATA[Anti Aging]]></category>
<category><![CDATA[Beauty]]></category>
<category><![CDATA[Cosmetic Surgery]]></category>
<category><![CDATA[Diabetes]]></category>
<category><![CDATA[Drug Abuse]]></category>
<category><![CDATA[Health and Fitness]]></category>
<category><![CDATA[Massage]]></category>
<category><![CDATA[Meditation]]></category>
<category><![CDATA[Nutrition]]></category>
<category><![CDATA[Personal Training]]></category>
<category><![CDATA[Popular Diets]]></category>
<category><![CDATA[Skin Care]]></category>
<category><![CDATA[Spa and Wellness]]></category>
<category><![CDATA[Speech Pathology]]></category>
<category><![CDATA[Weight Loss]]></category>
<category><![CDATA[Yoga]]></category>
<guid isPermaLink="false">http://agatrnd.info/?p=34</guid>
<description><![CDATA[Choosing a health insurance plan that is right for your family can be a bit daunting…but it doesn’t have to be. Becoming familiar with the different health insurance plans that are available both for individuals and families will help you … <a href="https://agatrnd.info/?p=34">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Choosing a health insurance plan that is right for your family can be a bit daunting…but it doesn’t have to be. Becoming familiar with the different health insurance plans that are available both for individuals and families will help you navigate the health care insurance field and make an better informed decision concerning health insurance. Read on to learn some of the health insurance basics.HOW TO CHOOSE THE BEST INSURANCE PLAN FOR YOUR NEEDSFirst, determine if short term or long term health insurance is what you need. If you are unemployed, yet hope to be hired in a few months with a company that offers group insurance, than perhaps short term health insurance is for you. Also some companies require a new employee to work for three to six months before they are eligible for health benefits. Short term could offer the temporary coverage you need. Next, decide if basic health-care coverage or comprehensive health care coverage will better meet your needs.BASIC HEALTH CARE COVERAGEThis plans covers inpatient hospitalization and out-patient surgery in case of a major accident or illness. The monthly health premiums are lower and are generally the choice for those who are primarily interested in coverage in case of severe accident or illness.COMPREHENSIVE HEALTH CARE COVERAGEThis plan covers preventative care, Dr’s visits, prescriptions, along with hospitalizations and out-patient surgery. Comprehensive health care coverage has a higher monthly premium, and it generally has a low co-pay at the time of a Dr’s appointment. This plan may be the better choice appropriate for those who have reoccurring medical expenses.AVAILABLE INDIVIDUAL AND FAMILY INSURANCE PLANSHealth care plans usually fall into two categories, indemnity or managed-care plans. They differ in regard to how bills are paid, ability to choose health care providers and out-of pocket expenses. Generally, you’ll have a broader choice of health care providers with indemnity health-care plans and less out-of -pocket expenses and less paperwork with a managed-care health insurance plan.MANAGED CARE PLANSHMO’s (Health Maintenance Organizations), PPO’s
(Preferred Provider Organizations), and POS’s (Point of Service Plans) are all managed health-care insurance plans.INDEMNITY PLANSUnder this plan, insurance companies pay their share of the cost for services after they receive a bill. This may mean that you will have to pay your bill for medical care at the time of service and then seek reimbursement from your health insurance company.WHAT ARE SOME OF THE ADVANTAGES AND DISADVANTAGES OF AN HMO PLAN?- Lower out of the pocket expenses- Fewer choices in regard to physicians and hospitals than other health insurance plans- A PCP (Primary Care Physician) is required and will meet most of your health-care needs- A referral is needed from your PCP before seeing a specialistWHAT ARE SOME OF THE ADVANTAGES AND DISADVANTAGES OF A PPO PLAN?- Health insurance companies offer a network of preferred doctors and hospitals- These health care providers offer the members services at discounted rates- Usually an annual individual or family deductible must be paid before the health insurance companies begins to pay out money for medical bills.WHAT ARE THE ADVANTAGES AND DISADVANTAGES OF A POS?- Combines features of both the HMO and PPO plans- Members are usually required to choose a Primary Care Physician (PCP)- PCP services are not usually subject to a deductible- Preventative care visits are generally coveredHEALTH INSURANCE TERMSAs with any genre, health care insurance is filled with jargon exclusive to its field. The following is a list of terms and their meanings that will hopefully give you good grasp of health insurance terms.COINSURANCEThe percentage of medical costs you have to paying after meeting the deductible amount that is attached to your plan.CO-PAYMENTThis occurs under an HMO plan and requires a specified dollar amount be paid to the health insurance provider on each visit.COVERED BENEFITSA covered benefit must always be a medical necessity. The determination of whether something is a medical necessity or not is made by the health insurance company.DEDUCTIBLEThe amount you must pay in medical expenses before your insurance company will begin to cover your medical bills.DEPENDENTA dependent is someone other than yourself who is covered under your health insurance plan. This could include a spouse, child, unmarried partner. For children there are age limits at which they are no longer covered under a parent’s health policy.DISABILITYIn the event that you are unable to work for an extended period of time due to an injury or a medical condition, disability insurance provides funds to cover your living expenses in a specified amount.GATEKEEPER Another title for your Primary Care Provider (PCP)GROUP INSURANCE Employers often offer group insurance plans. Under group insurance an employee can generally obtain a much more affordable plan.IN NETWORK/OUT OF NETWORKIn network refers to those physicians who have been contracted under a health care plan to provide services to their members. Staying in network allows lower charges and a smaller percentage of out of pocket expenses. Conversely, going out of network generally means charges are higher and you will have to pay a greater percentage of out of pocket expenses.GRACE PERIODThis is a specified period past the due date of a premium during which coverage may not be canceled. This prevents health insurance companies from canceling your policy if payment should arrive a few days late.OPEN-ENROLLMENT PERIODGenerally, this is a once-a-year period of time that allows you to make changes to your existing health insurance coverage. (A change in marriage status or the birth of a child also allows you to modify your health insurance plan.PRE-CERTIFICATION(Pre-authorization)Before surgery or hospitalization, the insurance company must be contacted to get approval for a medical service to take place. Failure to do so typically means the insurance company will NOT pay for the service. This does not apply in an emergency situation, although the insurance company should be contacted as soon as possible.PRE-EXISTING CONDITIONA medical condition that existed before an insurance policy became effective. Most insurance companies require a three month to one year waiting period before a pre-existing condition can be covered under their plan.PREMIUMSMonthly payments for insurance coverage. Monthly payments can easily reach $100 for singles and two to three times that amount for a family.REFERRAL A written form from your Primary Care Provider to another Dr. (usually a specialist) giving consent for you to go to them for medical services.SECOND SURGERY OPINIONOn occasion an insurance company will ask you to be seen by a second Dr. to determine if the recommended procedure is necessary or if an alternate method could accomplish the same result.URC (Usual, reasonable, and customary)URC refers to the dollar amount an insurer will usually pay for a service or procedure based on what is customary for the area in which you live. An insurance company will not pay $800 for a procedure that costs only $300.HEALTH INSURANCE QUOTESBe sure that you shop around to find the best health insurance plan. Compare quotes from at least 3-5 different insurance companies before you decide to purchase.
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<title>The Best Automotive Equipment Distributors</title>
<link>https://agatrnd.info/?p=31</link>
<comments>https://agatrnd.info/?p=31#comments</comments>
<pubDate>Thu, 04 May 2023 13:45:56 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[automotive]]></category>
<category><![CDATA[android automotive]]></category>
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<category><![CDATA[automotive engineers]]></category>
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<category><![CDATA[automotive lifestyle]]></category>
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<category><![CDATA[automotive paint]]></category>
<category><![CDATA[automotive research]]></category>
<category><![CDATA[automotive spice]]></category>
<category><![CDATA[automotive supply chain]]></category>
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<category><![CDATA[automotive value chain]]></category>
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<category><![CDATA[mullen automotive]]></category>
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<description><![CDATA[The automobile industry is a thriving one with millions of new vehicles being driven down the roads every year. Such an industry requires a huge support system in the form of maintenance, servicing and repairs for smooth functionality. Hence, the … <a href="https://agatrnd.info/?p=31">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ The automobile industry is a thriving one with millions of new vehicles being driven down the roads every year. Such an industry requires a huge support system in the form of maintenance, servicing and repairs for smooth functionality. Hence, the role of automotive equipment distributors is also very important for the smooth functioning of the industry.An auto equipment distributor sells a lot of automobile accessories, gadgets, tools and machinery that are required for the construction, maintenance, repairs and servicing of automobiles. This equipment include items such as auto lift equipment, wheel alignment tool, battery charger, power tools, tire changers, brake lathes, wrenches, pliers, paint and auto body equipments, exhaust ventilation, etc. Each of these come with categories and sub categories. For instance, under the auto lifts there are items such as 2 post lifts, 4 post lifts, motorcycle lifts, in-ground lifts, low-rise lifts, mid-rise lifts, etc. Similarly, under power tools there are drills, screwdrivers, hot guns, ratchets, sanders, polishers, etc. The list is quite exhaustive and includes anything and everything that is required for automobile maintenance and repairs.It is very important to get these products from the good automotive equipment distributors. Good distributors generally offer every imaginable automotive tools and equipment under one roof. They will be a one-stop solution to all automotive worries. The best brands will be available in one store. For instance, Hunter wheel alignment is one of the best in the industry and this is made available to customers who can sometimes get it at special prices. They not only provide the best quality and branded equipment, but also give quality service. The services include delivery and installation of the equipment as well as training where required.They also provide periodic checks on equipment such as auto lifts that could turn out to be hazardous if not maintained properly. A good equipment distributor will generally have an online portal where customers can browse through the pages that have the various equipment available and shop online. The payment can be made from a secured site and the equipment will be shipped by the company to the address given by the purchaser sometimes within a day. They also provide free demonstrations of certain equipment. With on location maps, the customers are able to find out which store is the closest store in their locality if they feel that a direct inspection and purchase is needed. Having online sites, location maps and demos for the customers makes it much easier to select the right machinery or tool. Regular maintenance is an additional advantage that cannot be overlooked. The best auto equipment companies make certain that all these services are covered to ensure customer satisfaction.In the automobile industry, the role played by automotive equipment distributors is huge. It is not enough to get vehicles on to the road, it is essential to keep it there to reap the benefits. Without auto repairs and maintenance, this is not possible. Without automobile equipment distributors and manufactures, the repairs and maintenance is not possible. The equipment and tools supplied by them is what lets the auto repair service run once the car is out on the streets.
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<title>The Best Ways I’ve Found To Make Money Online From Home</title>
<link>https://agatrnd.info/?p=20</link>
<comments>https://agatrnd.info/?p=20#comments</comments>
<pubDate>Mon, 02 Aug 2021 04:23:42 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[Money]]></category>
<category><![CDATA[Online]]></category>
<guid isPermaLink="false">http://agatrnd.info/?p=20</guid>
<description><![CDATA[Have you been looking for a way to make money online without having to know much of the internet stuff? Wanting to work at home but don’t know how to do it? Here is the key gem: Between all the … <a href="https://agatrnd.info/?p=20">Continue reading →</a>]]></description>
<content:encoded><![CDATA[Have you been looking for a way to make money online without having to know much of the internet stuff? Wanting to work at home but don’t know how to do it? Here is the key gem: Between all the tricks on joining the craft beer movement, opening a gallery or being a tour operator, you will find clever advice that anybody can apply to make money online quickly.
The most basic way to make money online is through affiliate marketing. It is really easy. Basically you set up an ad for someone she is selling something and when they click through and buy it, you make money! Simple enough if you have no technical skill at all. Here are some simple tips on how to earn using affiliate marketing:
Drop-shipping is one of the most useful methods. You select a product in which you believe there is a demand and then drop-ship it to your customers in small quantities. You make money from the difference between what the stock costs and what you sell it for. For this method, it is important to note that you may need to make space for your inventory on your premises or perhaps wait until you have a build of an inventory before you can start drop-shipping; but the advantages make it a good choice for those seeking to make money online from their spare time.
Paid surveys are a great way to earn some extra cash. These can be accessed easily and there are many sites where you can get paid from spending your spare time. There is one site, though, which is said to pay $200 a week for twelve weeks straight – you can’t beat that kind of money making potential. With paid surveys, it is important to note that the sites are generally scams, and that you need to do some research to ensure you are making good money making opportunities.
Finally, a passive income generating method that can bring in money on autopilot is eToro’s Forex trading. This works by allowing you to invest on a demo account and earn money from the performance of the currencies being exchanged. The best thing about this system is that it allows you to do virtually anything and still see profits coming in. eToro has an average starting price of less than $50 and can generate an income of five figures in just a few months.
These are the best things I have found for making money online from your home. Though none of them are as good as, say, a paid-online course, they are much more affordable and can provide a valuable education to start earning money immediately online. With just a little research, you should be able to find a legitimate opportunity to get paid to learn the basics of making money in the currency markets. This is a truly remarkable opportunity.
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<title>How Long Should A Laptop Battery Last And How To Increase the Battery Life</title>
<link>https://agatrnd.info/?p=21</link>
<comments>https://agatrnd.info/?p=21#comments</comments>
<pubDate>Mon, 02 Aug 2021 04:23:12 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[battery]]></category>
<category><![CDATA[electronic]]></category>
<category><![CDATA[system]]></category>
<guid isPermaLink="false">http://agatrnd.info/?p=21</guid>
<description><![CDATA[No matter how expensive your laptop is, its battery won’t last more than four years. According to experts, a new laptop battery gives you as many as 1,000 cycles. In other words, you can charge and recharge the battery up … <a href="https://agatrnd.info/?p=21">Continue reading →</a>]]></description>
<content:encoded><![CDATA[No matter how expensive your laptop is, its battery won’t last more than four years. According to experts, a new laptop battery gives you as many as 1,000 cycles. In other words, you can charge and recharge the battery up to 1000 times. However, many factors play their role to increase or decrease the lifespan of a laptop battery. For instance, the material used for producing the battery substance. So, if you want to ensure that your battery stands the test of time, given below are some of the tips that can help.
1. Install a good battery monitor
If you are looking for an alternative, you can choose from tons of third-party utilities. Basically, the software programs help you monitor your laptop battery. These programs have no compatibility issues with any type of laptop.
Using these tools, you can find out which programs are using most of the battery power. You can then close the unwanted programs to save battery power.
2. Install maintenance apps
You can use some manufacturer-recommended maintenance tools for maintaining your laptop battery. Based on the type of your battery, you will receive different suggestions. Apart from this, your operating system will come with a built-in utility that can help you keep an eye on your battery condition.
3. Maintain your device temperature
You should try your level best to ensure your laptop maintains its temperature. In summer, electronic devices tend to heat up, which negatively impacts the life of the battery packs.
Therefore, you should make sure that there is a little bit of space between the bottom of the device and the table you have placed your device on. Besides, the ventilation system of your device should be working properly. For this purpose, regular cleaning of your device is quite important.
4. Don’t use maximum brightness
When your screen brightness is at maximum level, your device will use the maximum power. So, turning down the brightness is the first thing you can do to save power. Also, it is not a good idea to keep the brightness at max level as it can have a negative impact on your eyesight.
So, by following these simple tips, it will be easier for you to extend the life of your laptop battery.
5. Change the power-saving settings
Before you do anything, go into the power options of your laptop. If you are using Windows operating system, you can go to the control panel to access the power options. The control panel can be accessed from the Start Menu.
Some users have MacOS. If you are one of them, you need to access Energy Saver, which is found in the System Preferences. If these values are set to default, your computer will use the least amount of power.
So, what you need to do is make small changes to the settings so that you achieve a balance between power and performance. For best performance, there is always the choice to connect your device to the AC outlet.
If your laptop battery is over 4 years old, you may want to get replacement batteries. This will give you a longer backup again so you can keep working on your device while on the move.
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<title>Right Direction Drive School</title>
<link>https://agatrnd.info/?p=18</link>
<comments>https://agatrnd.info/?p=18#comments</comments>
<pubDate>Mon, 02 Aug 2021 04:14:12 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[School]]></category>
<category><![CDATA[students]]></category>
<guid isPermaLink="false">http://agatrnd.info/?p=18</guid>
<description><![CDATA[Learning safe driving is a significant skill to become an expert in. If you’re looking for the best driving lessons from an affordable driving school in Australia, then give a halt at Right Direction Drive School. With 13 years of … <a href="https://agatrnd.info/?p=18">Continue reading →</a>]]></description>
<content:encoded><![CDATA[Learning safe driving is a significant skill to become an expert in. If you’re looking for the best driving lessons from an affordable driving school in Australia, then give a halt at Right Direction Drive School. With 13 years of experience and a 97Percent success rate, we are a proud provider of the best and cheap driving lessons.
Currently servicing Victoria’s Eastern suburbs, our driving school is open to the range of students from beginners to body-abled to disadvantaged from Monday to Saturday. We help all of them to successfully pass from their L’s to P’s. Furthermore, the driving instructor of our drive school is registered and is a member of the Victorian Driving association. He is also multilingual and has fluency in 7 languages: Czech, Russian, Polish, Serbian, Croatian, German and English.
Like the best driving school, we are committed to assisting in every student’s driving journey until they successfully pass the exam. From educating to supervising, every student will be given exceptional services in a secured environment. Additionally, we will also teach about road rules, as well, provide practices to gain confidence and be an alert driver.
Why hand-pick us?
Right Direction Drive School aims to make every Australian the best driver on the road. Other sets of reasons include:
• 13 years of experience 
• Registered driving instructor 
• 97Percent passing rate 
• Affordable prices
We serve Boronia, Bayswater, Burwood, Croydon, Donvale, Ferntree Gully, Kilsyth, Mooroolbark, Ringwood and Wantirna in Australia.
So, if you want to book an appointment for further inquiries, then contact us today.
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