The Letterhead of the 21st Century
I have been in business for 16 years in a variety of industries - but what was common for all, was I would never let my staff mail out a letter unless it was on a company letterhead.It didn't matter if that letter was to a prospective customer, to pay an account, or to the Prime Minister, - any correspondence leaving our premises had to be on a letterhead and neatly presented.So the question I pose - as a business owner would you/or do you, allow your staff to send out company quotes, mail outs, or even general correspondence on a plain piece of paper - or not on company letterhead? I thought not... In today's fast paced world - email and computer generated correspondence is fast replacing the old, print, mail and post scenario common from yesteryear. Thus it comes to a great surprise that a number of small and medium sized businesses and their owners have not adapted their circumstances to suit the modern cyberspace world and continue to allow their staff to send out plain paper mail - via email.Yes - plain paper email - messages, correspondence, quotations, and letters without any company logos or references.True Story My girlfriend was sourcing quotes recently, for some shutters at home.She had asked 2 companies to quote - and they both came in approximately around $10 000.She brought the two quotes home for us to both make the decision on who we would choose to install them. The first quote I looked at was professionally presented on a company letterhead and came with

7 Consumer Credit Laws You Should Know if You are Trying to Repair Your Credit
There are seven consumer credit laws you should be aware when dealing with your credit.1. The Truth in Lending ActThe customer had to be told the true cost of borrowing, so they could figure out exactly what the charges would be. You must be informed, in writing of the finance charge and the APR before you sign any contract. Also, you need to be informed of the method they are going to use to calculate the balance on which you pay a finance charge.This Act gives you a chance to change your mind when you use your home as security in a transaction. The first 3 day right of rescission gives you 3 business days to cancel the transaction and the creditor must give you this notice prior to the transaction.2. The Fair Credit Reporting ActCheck other bonus material for your rights. Basically this act regulates the activities of credit reporting agencies or credit bureaus and gives the FTC responsibility for enforcement.3. The Fair Credit Billing ActThis law establishes procedures requiring creditors to promptly correct billing errors, and allows the consumer to withhold payment on damage goods, and makes creditors promptly credit your payments.4. The Fair Debt Collection Practices ActThis act establishes the guidelines for collectors to follow. They may not contact you at unreasonable times or places. Unless agree, they must not contact you before 8 am or after 9 pm, nor at your place of employment. You must receive a written explanation of your supposed debt and what to do if you feel you do not owe the money.5. T

How To Make Money On What Other People Throw Away--Your Own Junk Hauling and Removal Service.
Please consult with an attorney or an accountant before you decide to start any business. America is a throwaway society. We all know that. We all have a lot of junk that we do not need, and just about all of us have things piling up relentlessly in out attics, garages, basements, closets and even in the back yard.A lot of people try to ignore the problem until they can no longer get into their garage, or when they find it impossible to squeeze one more item into the attic. They have too much junk and they need to get rid of it. Often, they will pay someone to do just that. This means an opportunity for you. You can make a decent living by helping people get rid of their junk.To get started, you need a strong back and something to haul with, such as a pick-up or a small trailer to pull behind your car. That's about it. If you don't have a pick-up, consider buying a used one cheap. You could easily find something for less than $1,000. An even less expensive alternative is a small trailer for your car. Trailers can be had for just a couple hundred bucks or less.How To Get Started:This is generally a very community or neighborhood oriented business. Take out an ad in your community newspaper saying that you will haul away unwanted items or that you will clean garages, basements or attics for a fee. You can also print up a one-page flyer and place them on houses door-to-door, or on the windshields of cars. Of course you should also set up a website for your company and advertise online.What You Need to Know:You will need to find a

How to Save Money and Get Discount Life Insurance in Washington
Life Insurance is a necessity for just about everyone. Singles often take out a policy if they own property, parents want insurance to ensure their children are taken care of and many elderly people recognize the need once they’ve retired. Even though the Office of the Insurance Commissioner in Washington offers some protection to individuals who run into difficulties with their life insurance companies, when it comes to purchasing a policy, you are on your own.If you want to garner the best life insurance deal for your dollar, here are a few tips that may prove beneficial:• If you have a pre-existing condition that requires long term care, mention this early when you ask for a quote. Some insurance companies have strict policies in place and they won’t insure individuals like this. You don’t want to waste your time trying to get a quote if the company can’t insure you.• Ask if life insurance coverage is offered through your employer. Many employers have group policies that individuals can sign up for after completing a probationary period. Although this type of coverage is often limited, it may be all you need.• If you are eligible for group coverage through your work but you don’t yet qualify, consider purchasing a term life insurance policy. This ensures low rates and once your other coverage kicks in, you can easily cancel the term life policy.• Buy life insurance when you are young. This helps to establish a lower premium in most cases.Even if you don’t want to think about the inevitable, considering the value in a life insurance polic

Which Source Is Better For Bad Credit Student Loans?
Student Loans can be obtained from the government or from private institutions. These bad credit student loans also benefit students who could not obtain any other student loan due to lack of credit. Students who are genuinely interested in continuing their education have many options for taking student loans.Demand on Bad Credit Student Loans The reason why more and more students are availing bad credit student loans is that they fail to get other standard student loans. There two main reasons why a student may be rejected for a loan: the lack of credit or a bad credit. But most lenders who deal with bad credit student loans understand all the limitations of students. That is why these loans are specifically designed for them. These loans provide high-quality services along with flexible repayment terms. The Government as well as private agencies offers bad credit student loans. Government Student Loans As far as government aided bad credit student loans are concerned, the school or the college makes them available to the students. And they also carry a low rate of interest. There are two kinds of government programs for bad credit student loans that have been developed for students: Federal Perkins Loans and Federal Stafford Loans.The Federal Stafford Loan, a very popular education loan, carries very low interest rates. It can be availed by both the graduate and the undergraduate students. The interest rates on these loans are variable and are fixed by the government in July every year.These bad credit student loans com

Make Sure the Price is Right on Your Residential Letting
With so many people entering the Buy to let market in the UK, Ireland, France, Spain and other countries it is very important get the rental price competitive. This applies just as much if it is a long-term letting or a self-catering holiday rental.If you have just purchased a residential letting property and have a mortgage you naturally have to cover the payments, but regardless of a mortgage to service, if your property is over priced renters will not pay a higher price. The only time when this can happen is when there is a small supply of property and big demand for that that type of letting.In the UK a tenant will still have to pay gas, electricity, water, Council tax, telephone and insurance on top of the monthly rent. In other words a rental of ?650 per month means ?900 per month of total outgoings. Many Landlords do not realise this and think that all the renters have to pay is the rent to them.A landlord who insists that their property is “worth” ?X per monthand in reality they have been advised by the professional agent it is only worth ?-X can have problems. If it stays on the rental market for a while at a price that is too high they will never make up the lost rental (unless there is galloping inflation). It can of course be a totally different scenario with a property that is being sold; particularly if property prices are rising in the area or country.With a self-catering holiday rental you have to offer the property on what the ”market will pay”. Your property just might be located in area whereby there are seasonal o