The Difference Between Debt Consolidation and Debt Negotiation

Debt negotiation is a process of negotiating with your creditors to bring down your total amount of debt. A good debt negotiation company can help bring down your total debts by as much as 50 to 70 percent. A word of caution, though. Debt negotiation may sound great, but it can adversely affect your credit report.

The Pros And Cons Of Debt Negotiation

A debt negotiation company discusses your financial status with your creditors, and offers to pay off all your debts in one go. The catch is that they offer to pay, say, $4,000 cash now against the total debts of, say, $12,000. The very fact that you have appointed a debt negotiator on your behalf is a sign that you are a bad risk, and most creditors will settle for cash now, as against the balance over the next 10 years or so.

The flip side to debt negotiation is that it affects your credit rating in a negative way. The commission to your debt negotiator is usually between 14 and 25 percent of the total settlement.

What Debt Consolidation Experts Do

Debt consolidation experts negotiate on your behalf to arrange to reduce the rates of interest, and to reduce or eliminate the late fees and other charges and penalties. They help consolidate all your outstanding debts into a single debt, and arrange a monthly payment schedule consisting of reduced amount, by as much as 20 to 40 percent.

They usually charge a monthly service fee of around 10 percent, and your payments are referred to credit bureaus. They advise you to close all your credit card accounts, and may allow you to keep one active for emergency uses.

It is for you to decide which course of action you wish to take.

Expressions That Always Use The Spanish Present Subjunctive

There are some expressions in Spanish where the present subjunctive is always used. These expressions start with “que”, because there is implicit expression of a desire. “Deseo que….”/ “Espero que”, etc. (I wish/ I hope that). These phrases are very common in Spanish, so let’s take a look at some of the most common ones so you can start incorporating them into your Spanish vocabulary today.

Please note that the translations won’t be exactly literal, but more closely what we would say in English to express the exact same meaning.

Something to say to someone if they are sick:
¡Que te mejores! (I hope you get better)

Something to say to someone who is going to have an exam or is going on a job interview:
¡Que te vaya bien! (I hope it goes well for you!)

Something to say to someone who is going on vacation or who is going to a concert:
¡Que te diviertas! (I hope you have fun!)

Something to say to someone who is going to sleep:
¡Que descanses! (I hope you get some rest!)

Something that most grandmothers say:
¡Que Dios te bendiga! (God bless you!)

Something to say to someone who has to do something they don’t want to do:
¡Que te sea leve! (It won’t be that bad!)

Something to say to a kid who is going to bed:
¡Que sueñes con los angelitos! (“Sweet dreams!” The literal translation would be “I hope you dream with angels!)

Something to say to someone who is receiving a present:
¡Que lo disfrutes! (I hope you enjoy/like it!)

Remember that it is always necessary to use Subjunctive when there are desires from one subject but another subject will do the action.

“Espero que mi jefe tenga un buen día” (I hope that my boss has a good day.)
“¿Quieres que prepare la cena?”(Do you want that I prepare dinner?)
When the subject is the same we only need to use Infinitive.
“Juan quiere comprar una casa”(Juan wants to buy a house)

I hope that you have enjoyed today’s Spanish grammar lesson on the topic of expressions that always use the present subjunctive. So now e you have some very common expressions in Spanish that you can start using right away that use the present subjunctive. With that said, we will leave you with one more very common expression: ¡Que tengas un buen dia! (Have a good day!)

Top 3 Quickest Ways to Start Your Home Based Business Online

The idea of making money online is enticing because it is something we can do from the comfort of our own home. Many of us could use the additional cash to help pay off our credit cards, save for a family vacation, buy that car you have always wanted or whatever else it is you want. Working from home on the internet is a great way to make the extra cash without the fuss of going out and finding a part-time job. There are tons of ways to go about doing this, but here are the top 3 ways to start your home based business online:

1. Leveraging Someone Else’s Hard Work and Success – Become an Affiliate

This is touted as the quickest way to start an online business from home. The reason is because you won’t have to spend the time and effort creating your own product that you aren’t sure is going to sell, sign up an auto responder and shopping cart, worry about refunds or figure out how to create a website or how to host your website.

Actually, you can create a free website and spend a small amount of time searching for products that offer top quality and are already selling well, which means that there are people out there willing to purchase this product. The product should cure a specific problem that people are willing to pay for the answer on how to solve them.

Your job is to help the seller get this product out there by signing up to become an affiliate. No inventory, no creation struggles, no shopping carts, no hassle!

Becoming an affiliate means you will earn a percent of the sale price every time you direct a buyer to the product you are recommending. The average percent is typically 50%, and most people who have affiliates also give you excellent promotional material for you to help you make your affiliate sales easier.

2. Selling Someone Else’s Creation – Resale Rights Products

Products that come with resale rights are those that you buy once and can sell and keep 100% of the profits. You aren’t allowed to make changes, but it’s a quick way to make money online without spending a ton of time trying to create a product.

This method will require you to have a domain name, web hosting account and payment processor, like PayPal, in order to set-up your mini-site that you will use to sell your product. It’s not super difficult to set all this up, but if it is your first time doing any of this, it might take a few hours to set up the first time. Good news is, once you figure it out, you can replicate the process many times with different products.

A great thing about resale rights products is that they typically come with a mini-site that has a sales letter ready for a couple little tweaks for you to make. Writing your own sales letter is an art and can take many hours or having someone else create it can cost you hundreds of dollars. All you do is change the name of the seller, insert your payment processor information and upload it to your website and there you go. Drive traffic to your site and you are in business!

3. Tapping Your Unique Skills – Create Your Own Product

The third method of starting a home based business online is to actually create your own product. It is how you can make the most money out of these top three methods discussed here, but it is going to take way more of your time to create it. There are many forms of products to sell from an ebook, to a video or audio interview to an actual physical product. Just make sure you product provides a solution that people are willing to pay for.

If you have never done anything like this before, then you are probably going to spend a fair amount of time working on it. Do some research on types of products and see what type fits your personality best. If you aren’t fond of writing then the audio or video product is going to be a much better fit. If you are intimidated by the thought of starting completely from scratch, look into buying PLR (Private Label Rights) products that you can use as a base to edit with your unique view on the subject. This can save you hours of research time if you find a high quality product.

Although it might seem like the other two ideas above are simpler and less time consuming, being able to set your own price and keep 100% of the profits makes this method pay off in the end. Plus, no one else out there will have this exact product to offer, so your content will be completely original. That formula allows for the biggest profit for you in the long run.

Once you get going, you could even sign people up to be your affiliate, wanting to sell your product for you. Having affiliates means more money in your pocket with very little extra work on your part. Who wouldn’t like that?

Are these the only ways to make money online? Absolutely not, but they are the top 3 quickest ways to start a home based business online because they are fairly simple and you can have the up and running in a week or month, depending on how much time you work on them.

Ok, here’s the bottom line: if you are thinking about starting a home based business online, the possibilities are endless. The only real limit is your imagination, ingenuity and effort.