Tag: Overall
The Benefits Of Shopping At The Outdoor Gear Exchange
When it comes to shopping for outdoor gear, there are a lot of different options out there. But if you’re looking for the best selection, the best prices, and the best overall experience, there’s only one place to shop: the Outdoor Gear Exchange. Here’s a look at just a few of the reasons why the Outdoor Gear Exchange is the best place to shop for all of your outdoor gear needs.
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The Outdoor Gear Exchange has the best selection of outdoor gear anywhere. Whether you’re looking for hiking gear, camping gear, or climbing gear, the Outdoor Gear Exchange has what you need. And if they don’t have what you’re looking for, they’ll do their best to get it for you. The Outdoor Gear Exchange also has the best prices on outdoor gear. They regularly price match other retailers, so you know you’re getting the best deal. And if you find a lower price elsewhere, the Outdoor Gear Exchange will refund you the difference.
But the best reason to shop at the Outdoor Gear Exchange is the experience. The staff is incredibly knowledgeable and passionate about the outdoors, and they’re always happy to help you find the gear you need. They’re also great at giving advice on what gear to buy, and they’re more than happy to answer any questions you have. Shopping at the Outdoor Gear Exchange is the best way to make sure you’re prepared for your next outdoor adventure.
Outdoor Gear Exchange is the best place to shop for outdoor gear. Here are just a few of the reasons why:
- We offer great prices on top-brand gear.
- We have a huge selection of gear for all your outdoor needs.
- We’re passionate about the outdoors and our gear.
- We’re experts on the gear we sell.
- We’re located in the heart of the Green Mountains, so we know a thing or two about gear for the outdoors.
- We’re a cooperative, so we’re owned by our customers.
- We’re committed to environmental responsibility.
- We’re involved in the local community.
- We’re fun to shop with!
So what are you waiting for? Come on down to Outdoor Gear Exchange and check us out!
Read More »What Are Some Common Mistakes Made In Marketing Communication?
One of the most common mistakes made in marketing communication is failing to understand your audience. It’s important to remember that not everyone is like you – different people have different needs, wants and values. Trying to communicate with everyone in the same way is a surefire way to fail.
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Another common mistake is failing to be clear and concise. When you’re communicating with your audience, you need to make sure that they understand what you’re trying to say. Be clear and to the point, and avoid using jargon or industry speak that they might not be familiar with.
Finally, another mistake that’s often made is failing to measure the results of your communication efforts. It’s important to track how your audience is responding to your messages, and to make sure that you’re getting the results that you want. If you’re not seeing the results you want, then it’s time to make a change.
By avoiding these common mistakes, you’ll be well on your way to success in your marketing communication efforts.
One of the most common mistakes in marketing communication is failing to understand your audience. It’s important to consider who you are trying to reach with your message and what they care about. Another mistake is not being clear about what you want to achieve with your communication. What is your goal? Are you trying to increase brand awareness, generate leads, or drive sales? Without a clear goal, it’s difficult to measure the success of your communication.
Additionally, many businesses make the mistake of over-communicating. Too much communication can be just as bad as not enough. You don’t want to bombard your audience with too many messages, or they’ll tune you out. It’s important to find the right balance and only communicate when you have something important to say.
Finally, another common mistake is not staying true to your brand. Your communication should be consistent with the overall tone and messaging of your brand. If you’re known for being funny and quirky, your communication should reflect that. If you’re a more serious brand, your communication should be professional and straightforward.
Avoiding these common mistakes will help you create more effective marketing communication that achieves your desired results.
Read More »The Consequences Of Not Tracking Business Use Of Company Vehicles
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As a business, it is important to track the business use of company vehicles. This can help you to understand where your money is going, and make sure that you are spending the money that is rightfully ours.
Not Tracking Business Use of Company Vehicles can Have Consequences
There are a few consequences of not tracking business use of company vehicles. First, you may not be able to easily understand where your money is going. This can lead to wasted money, and a decreased satisfaction with your business.
Second, you may not be able to easily track the progress of your business. This can lead to a feeling of not being able to manage your business, and a decreased level of satisfaction with your overall operation.
Third, you may not be able to easily respond to customer needs. This can can lead to a lost opportunity for customer service, and a feeling of being unsupportive to your customers.
Overall, it is important to keep track of the business use of company vehicles. This can help you to understand where your money is going, and make sure that you are spending the money that is rightfully ours.
If you’re like most businesses, you probably use company vehicles for a variety of purposes. From commuting to meetings, you likely rely on these vehicles to do a variety of tasks. But if you don’t track the business use of your company vehicles, you may not know the consequences.
According to a study by the National Highway Traffic Safety Administration, between 2002 and 2010, truck drivers killed more people on the road than any other type of driver. And this isn’t just a problem in the United States. In Europe, the same study found that truck drivers are three times as likely to kill someone as a passenger in a car.
So how can you prevent your business from becoming a victim of truck traffic fatalities? One way is to track the business use of your company vehicles. Tracking this information will help you understand the habits of your drivers, and can help you improve the safety of your company vehicle fleet.
But even if you don’t track business use of your company vehicles, you can still face consequences. According to the National Highway Traffic Safety Administration, between 2002 and 2010, truck drivers convicted of homicide or manslaughter were almost three times as likely to receive a prison sentence as the drivers who didn’t kill anyone.
So if you’re responsible for the safety of your employees and your business, it’s important that you take action to improve the safety of your vehicle fleet. Tracking business use of company vehicles can help you do this.
There are a lot of consequences of not tracking business use of company vehicles. For one, it can be difficult to know whether the vehicle is being used for business or personal use. This can lead to missed opportunities and decreased profits. Additionally, it can also lead to problems with insurance and billing. If the business does not track use, it can be difficult to figure out where the money goes and who is responsible for each bill.
There are a few very big consequences to not tracking business use of company vehicles. The first is that you may not be able to prove that you did anything wrong in terms of depreciation, insurance, or other costs. Secondly, you may not be able to prove that you are actually using your vehicle for business purposes. This can be a huge issue if you have to prove to creditors, investors, or other creditors that you are actually doing something with your vehicle.
Read More »The Pros And Cons Of Online Shopping: Is It Really Worth It?
There are pros and cons to online shopping. On the one hand, it can be an easy and quick way to buy what you need, without having to go to a store. Plus, you can be sure that you’re getting the best possible deal on what you’re buying. On the other hand, there are some potential drawbacks.
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For example, you might not be able to see the whole range of products that are available, or you might not be able to find the perfect product for you. Additionally, you might not be able to get the same quality of service that you would receive when you go to a physical store.
There are pros and cons to online shopping, depending on what you’re looking for. If you’re looking for a quick and easy way to buy what you need, online shopping can be a great option. However, if you’re looking for quality and trusted items, online shopping can be a better option. Here are some of the pros of online shopping:
You can shop from anywhere in the world.
You can save money.
You can get what you need quickly and easily.
You can be sure that the products you’re buying are of the highest quality.
You can be sure that the companies you’re dealing with are reputable and trustworthy.
The pros of online shopping include that it is quick and easy to find what you’re looking for, there are a variety of products available, and the prices are often lower than if you were to go to a physical store. However, there are some CONS to online shopping.
First, many products are not available in all countries, so you might have to search for what you’re looking for. Second, some products are not available online and you might have to go to a physical store. Finally, sometimes you might not find what you’re looking for, so be prepared to spend some extra money.
There are pros and cons to online shopping, but the decision whether or not to shop online is ultimately up to the individual. Some people find the process of shopping online convenient and easy to use, while others find itstressful and time-consuming. Overall, the pros and cons of online shopping are worth consideration before making a decision.
Read More »How To Get The Most Out Of Taxslayer
The Taxslayer app is an essential tool for tax preparation. It allows you to easily access the information you need to file your taxes and get a refund. With the Taxslayer app, you can also easily get the most out of your refund. Here are some tips to get the most out of the Taxslayer app:
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Use the Taxslayer app to research your specific taxes. With the Taxslayer app, you can access information about your specific taxes and find the best ways to prepare your taxes.
Use the Taxslayer app to manage your refund. The Taxslayer app lets you manage your refund, including how much you will get and when you can file.
Use the Taxslayer app to get help with your taxes. The Taxslayer app offers a variety of resources, including support staff and video tutorials.
Use the Taxslayer app to get a refund. The Taxslayer app lets you easily get a refund, including the information you need to file your taxes.
Use the Taxslayer app to get the most out of your refund. The Taxslayer app lets you get the most out of your refund, including accurate information about your specific taxes and the best ways to prepare your taxes.
Taxslayer is the world’s most user-friendly tax software. Whether you’re a small business owner, individual taxpayer, or an accountant, Taxslayer is the perfect software for you. With Taxslayer, you can easily file your taxes and get the most out of your taxes.
When it comes to taxes, there are a lot of ways to get the most out of them. Whether you’re looking to take advantage of the loopholes available, or want to get the most from your taxes, Taxslayer is here to help. With our easy-to-use tools and helpful articles, you’ll be able to get the most out of your taxes this year. Check out our website today and start reaching your tax goals!
When it comes to getting the most out of Taxslayer, there are a few things to keep in mind. Whether you’re a small business owner, individual taxpayer or the estates of deceased individuals, there are a few key things to keep in mind when filing your taxes.
First and foremost, make sure you keep your taxes organized and filed correctly. Filing your taxes on time and in the correct order can help you receive a better tax refund and save money on your taxes overall. Additionally, make sure you keep track of your business income and expenses so you can accurately report your income and expenses on your Taxslayer return.
If you’re a small business owner, you might also want to consider using an e-file service. e-files are easier and faster to file your taxes than traditional paper filings, and can save you a lot of time and money. Additionally, using an e-file service can help you stay organized and informed about your taxes, so you can better prepare for your tax return.
If you’re the estates of deceased individuals, it’s important to make sure you file your taxes correctly. Filing your taxes on time and in the correct order can help you receive a better tax refund and save money on your taxes overall. Additionally, make sure you file your taxes correctly and accurately report your business income and expenses on your Taxslayer return.
If you have any questions or concerns about getting the most out of Taxslayer, don’t hesitate to reach out to our team. Our team is available 24/7 to help you get the most out of your taxes.
Read More »A Closer Look At The NCAA Baseball World Series Championship Game
It was a momentous day for college baseball as the NCAA Baseball World Series Championship game was played. The teams that had been battling it out all season came together to determine who would be the champion.
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Alabama and Clemson were the two teams that had been playing the most nail-biting games. It was a close game, but in the end, Alabama emerged as the champion.
The championship game was a amazing show. The teams were so good and it was a great show to watch. It was amazing to see all the players from all the teams play together.
There was a lot of excitement and activity in the stands. It was a great show to see and it was a great day for college baseball.
The NCAA Baseball World Series Championship Game is a highly anticipated event that takes place annually in Springfield, Illinois. This year’s edition is headlined by the defending champion Texas Rangers and the Oklahoma City Dodgers, who are looking to become the first team in history to win three championships in a row.
The series is a culmination of months of intense competition and is fought over a six-game schedule. Each game features a high-stakes matchup, with the winner taking home a world championship trophy.
The championship game is the culmination of a season that has seen teams from all over the globe compete. This year’s edition features teams from the United States, Canada, the Dominican Republic, and Venezuela.
Tickets for the championship game are currently available and are sure to sell out. If you are unable to attend, be sure to check out the live stream of the game.
The NCAA Baseball World Series Championship Game was a thrilling and exciting event that took place on October 7th, 2014. The game was played at Nationals Park in Washington, D.C. and saw the top two teams in the NCAA Baseball World Series, the Texas Rangers and the Florida Marlins, compete against each other. The Texas Rangers were able to come out on top, winning the game 5-4. This was their first World Series appearance in over 20 years and it was a great to see them finally make it to the top. The Florida Marlins, on the other hand, were not as successful as they had hoped. They were able to win only one game in the entire tournament, which was against the Texas Rangers. However, this did not take away from their overall performance. They still managed to win the tournament, which is a great accomplishment.
The NCAA baseball world series championship game is a championship game of the National Collegiate Athletic Association (NCAA). It is an annual series between the champion of the American Athletic Conference (AAC) and the champion of the National Collegiate Athletic Association (NCAA). The championship game is played at the home of the champion university, the College World Series, which is also the annual championship game of the NCAA. The championship game is the culmination of the NCAA baseball season.
The championship game is the culmination of the NCAA baseball season. The American Athletic Conference (AAC) champion, which is the champion of the NCAA, has won the past six championships. The champion of the National Collegiate Athletic Association (NCAA), which is the champion of the American Football Conference (AFC), has won the past four championships. The champion of the Pacific-10 Conference (Pac-10), which is the champion of the NCAA’s second division, has won the past two championships.
The championship game is the culmination of the NCAA baseball season. It is the annual series between the champion of the American Athletic Conference (AAC) and the champion of the National Collegiate Athletic Association (NCAA). The championship game is the culmination of the NCAA baseball season. The championship game is the traditional end of the NCAA baseball season. It is the annual series between the champion of the American Football Conference (AFC) and the champion of the National Collegiate Athletic Association (NCAA).
The championship game is the traditional end of the NCAA baseball season. The championship game is the traditional end of the NCAA baseball season. The championship game is the traditional end of the NCAA baseball season. The championship game is the traditional end of the NCAA baseball season. The championship game is the traditional end of the NCAA baseball season. The championship game is the traditional end of the NCAA baseball season.
Read More »How To Conduct A Competitor Analysis For Your Business
As a business owner, it’s important to keep tabs on your competition. A competitor analysis is a process used to evaluate the strengths and weaknesses of your competitors. This can give you valuable insights into your own business, and help you form strategies to stay ahead of the competition.
There are a few different ways to conduct a competitor analysis. Here are a few tips to get you started:
Know your competitors. The first step to conducting a competitor analysis is to identify who your competitors are. This may seem like a no-brainer, but it’s important to take the time to really think about who your competitors are. For example, if you sell products online, your competitors may not just be other online retailers, but also brick-and-mortar stores that sell similar products.
Understand your competitors’ business models. Once you know who your competitors are, it’s important to understand how they do business. What are their strengths and weaknesses? What are their key marketing messages? What are their pricing strategies? The more you know about your competitors’ business models, the better you’ll be able to develop strategies to stay ahead of them.
Keep tabs on your competitors’ marketing efforts. One of the best ways to stay ahead of your competition is to keep tabs on their marketing efforts. What kind of marketing campaigns are they running? What kind of messaging are they using? What kind of results are they seeing? By monitoring your competitors’ marketing efforts, you can stay one step ahead of them.
Analyze your competitors’ financials. If you want to really get an edge on your competition, it’s important to analyze their financials. This can give you insights into their overall health as a business, and help you identify any weaknesses that you can exploit.
Benchmark against your competitors. Once you’ve conducted your analysis, it’s important to benchmark your own business against your competitors. This will help you identify areas where you need to improve, and also give you a sense of how you’re performing relative to your competition.
Conducting a competitor analysis can be a valuable exercise for any business. By taking the time to understand your competition, you can gain valuable insights into your own business and form strategies to stay ahead of the competition.
Read More »5 Things We Love About The New Hyvee Ad!
The use of humor
We think the new Hyvee ad is hilarious! The use of humor is a great way to engage customers and get them to remember your brand.
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The focus on family
The ad focuses on the importance of family, which is a great message for a grocery store to communicate.
The use of real people
The ad features real people, which makes it more relatable and down to earth.
The focus on value
The ad does a great job of emphasizing the value of shopping at Hyvee, which is important to customers.
The overall message
The overall message of the ad is that Hyvee is a great place to shop for your family. We think that’s a great message for customers to hear
The simplicity of the ad. Just a white background with the Hy-Vee logo and the tagline “A better way to grocery shop.”
The use of the word “we.” This ad is clearly meant to appeal to families and to show that Hy-Vee is a grocery store that can cater to their needs.
The focus on healthy eating. With so many families struggling to eat healthy on a budget, it’s great to see a grocery store making an effort to promote healthy eating.
The humor. We can’t help but chuckle at the line “We’re not saying you have to be a supermodel to shop here.”
The overall message of the ad. Hy-Vee is a grocery store that offers a better way to shop, with a focus on healthy eating and families. We think that’s a message worth sharing!
Read More »The Impact Of Inflation On The Economy
It is one of the most important drivers of economic activity, and can have both positive and negative effects on different sectors of the economy. Inflation can be described as a sustained increase in the price level of goods and services in an economy. It is usually measured as an annual percentage change. Inflation can have both positive and negative effects on different sectors of the economy.
Inflation can have positive effects on some sectors of the economy. For example, it can be good for businesses that produce raw materials, because the prices of their products will increase along with the overall price level. This can lead to higher profits and more investment. Inflation can also be good for debtors, because it reduces the real value of their debt.
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Inflation can also have negative effects on some sectors of the economy. For example, it can be bad for businesses that produce finished goods, because the prices of their products will increase along with the overall price level. This can lead to lower profits and less investment. Inflation can also be bad for savers, because it reduces the real value of their savings.
Inflation can have both positive and negative effects on different sectors of the economy. It is important to understand these effects in order to make the most of the opportunities and to minimise the risks.
Some believe that it is a necessary evil that helps to spur economic growth, while others believe that it is a destructive force that can lead to economic stagnation. In this blog post, we will take a look at the effects of inflation on the economy and try to determine which side is correct.
Inflation is defined as a sustained increase in the price of goods and services in an economy. This increase in prices leads to a decrease in the purchasing power of consumers, as their money does not go as far as it once did. Inflation can be caused by a variety of factors, including an increase in the money supply, an increase in government spending, or a decrease in the production of goods and services.
There are both positive and negative effects of inflation on the economy. On the positive side, inflation can lead to economic growth as it encourages businesses to invest and expand. Additionally, inflation can also lead to higher wages as businesses attempt to keep up with the rising prices. On the negative side, inflation can lead to higher interest rates and increased costs for businesses, which can ultimately lead to slower economic growth. Additionally, inflation can lead to higher unemployment as businesses cut back on production and workers are laid off.
So, which side is correct? Is inflation a necessary evil that helps to spur economic growth, or is it a destructive force that can lead to economic stagnation? The answer is that it depends on the circumstances. In some cases, inflation can be beneficial to the economy, while in other cases it can be detrimental. It is important to carefully consider the effects of inflation before making any decisions about economic policy.
Read More »How Energy Management Systems Can Help Improve Building Comfort
It’s no secret that energy management systems can help improve a building’s comfort levels. By automating temperature and humidity settings, energy management systems can help keep indoor spaces at optimal levels of comfort. But what other benefits can energy management systems offer when it comes to comfort?
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Improved Air Quality
One of the most important benefits of energy management systems is the improvement in air quality that they can provide. By automating the ventilation system, energy management systems can ensure that fresh air is circulated throughout a building on a regular basis. This can help to improve air quality and reduce the risk of Sick Building Syndrome.
Reduced Noise Levels
Another benefit of energy management systems is that they can help to reduce noise levels within a building. By automating the ventilation system, energy management systems can ensure that fans and other noise-making components are only used when necessary. This can help to create a more peaceful and comfortable environment for building occupants.
Improved Temperature Control
In addition to improving air quality and reducing noise levels, energy management systems can also help to improve temperature control within a building. By automating the heating and cooling system, energy management systems can ensure that indoor temperatures are always kept at comfortable levels. This can help to improve the overall comfort of a building and reduce the risk of thermal discomfort.
If you’re looking for ways to improve the comfort of your building, energy management systems are a great place to start. By automating temperature, humidity, and ventilation settings, energy management systems can provide a number of benefits that can improve the comfort of your building.
Read More »What Apple Music Wrapped Is And How It Works
Apple Music Wrapped is a new feature from Apple that allows users to see a year-in-review summary of their listening habits. The feature provides a summary of the music you’ve listened to most over the past year, as well as your top artists, songs, and genres.
To use Apple Music Wrapped, open the Music app on your iPhone or iPad and tap the “For You” tab. Scroll down to the “Apple Music Wrapped” section and tap “See All.”
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On the next screen, you’ll see a summary of your listening habits for the year. Tap “Play” to start listening to a playlist of your top songs, or scroll down to see your top artists, songs, and genres.
Apple Music Wrapped is a great way to see a summary of your listening habits, and it’s also a great way to discover new music. If you see an artist or genre that you’re not familiar with, tap on it to learn more and start listening.
Apple Music Wrapped is a new feature that allows users to see what they’ve been listening to on Apple Music over the course of the year. It’s a great way to see what your favorite artists are, what new music you’ve discovered, and to get a look at your overall listening habits.
To use Apple Music Wrapped, simply open the Apple Music app and navigate to the “For You” section. From there, scroll down to the “Wrapped” section and tap on it. You’ll be taken to a page that shows your top artists, songs, and genres, as well as some other fun facts about your listening habits.
To get the most out of Apple Music Wrapped, be sure to check out the “Your Top Songs” and “Your Top Artists” sections. Here you’ll be able to see not only your most-played songs and artists, but also ones that you’ve recently added to your library. This is a great way to rediscover old favorites or find new music to love.
If you’re looking for even more ways to enjoy your music, be sure to check out the “Your Top Genres” section. Here you’ll be able to see which genres you listen to the most and find new music within those genres. You can also use the “Explore” section to find new artists, songs, and genres that you might like.
Apple Music Wrapped is a great way to get insights into your listening habits and to find new music to enjoy. Be sure to check it out today!
Read More »How To Find The Best Persian Dance Classes Near You
Persian dance is a beautiful and ancient art form that is enjoyed by people of all ages. If you are interested in learning this type of dance, you may be wondering where to find the best Persian dance classes near you. Here are a few tips to help you get started:
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Check with your local community center or recreation department. Many communities offer dance classes for all ages and abilities. You may be able to find a Persian dance class offered through your local community center or recreation department.
Ask around. Talk to your friends, family, and co-workers to see if they know of any good Persian dance classes in your area.
Do a search online. A quick search of the Internet will reveal a number of different Persian dance classes in your area.
Contact a professional dance studio. If you are serious about learning Persian dance, you may want to consider contacting a professional dance studio. These studios usually offer a variety of different dance classes, including Persian dance.
Once you have found a few different Persian dance classes near you, take some time to check them out. Find out what the class size is like, what the instructor is like, and what the overall atmosphere of the class is like. You should also find out what the cost of the class is and whether or not there are any discounts available.
Persian dance is a beautiful and ancient art form that is enjoyed by people of all ages. If you are interested in learning this type of dance, follow the tips above to find the best Persian dance classes near you.
Read More »Using A Metal Windmill In Your Yard Art To Add A Touch Of Whimsy
Windmills are a timeless piece of Americana, instantly recognizable and often associated with a more pastoral, simpler way of life. But that doesn’t mean they can’t be incorporated into a more modern design. In fact, metal windmills make great yard art and can add a touch of whimsy to any outdoor space.
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Here are a few tips on how to incorporate a metal windmill into your yard art design:
– Choose the right size windmill for your space. Metal windmills come in a variety of sizes, so it’s important to select one that will fit well in the space you have available.
– Consider the overall design of your yard. A metal windmill can be a great addition to a more traditional yard, but it will stand out more in a more contemporary space.
– Select a metal windmill with a design that fits your style. There are many different styles of metal windmills available, so you’re sure to find one that fits your taste.
– Place your metal windmill in a spot where it will get plenty of wind. This is key to getting the most out of your windmill.
– Enjoy your new yard art! A metal windmill is a great way to add a touch of Americana to your yard.
One of the great things about metal windmills is that they can be incorporated into a variety of yard art designs. If you have a more traditional yard art design, you can easily add a metal windmill to add a touch of whimsy and charm. Here are a few tips on how to do so:
– Choose the right size metal windmill. You don’t want it to be too small or too large in comparison to the other elements in your yard art design.
– Place the metal windmill in an appropriate location. It should be placed in a spot where it will be visible and add to the overall design of your yard art.
– Consider the orientation of the metal windmill. You can have it face the direction of the wind or place it in a more static position.
– Incorporate the metal windmill into the overall theme of your yard art. For example, if you have a farm theme, you could place the windmill next to a barn or other farm animal yard art.
– Use your imagination and have fun with it! Metal windmills can be a great addition to any yard art design.
Read More »Debt Free in 60 Seconds
Imagine it, you being debt-free. No more annoying calls from the credit card companies, “reminding” you that your bill is past due (as if you’d forgotten) and no more giving your entire paycheck over to debt that you accumulated last semester.
Does it seem like a dream? It doesn’t have to be. You can make it your reality! Here’s how to do it – in just about a minute.
0:60 It’s simple – spend less than you make
OK, I know it’s simple, even if it’s not always so easy to do. But following this rule could have a serious impact on your financial health and peace of mind. The truth is if you can’t pay for it today then you probably won’t be able to afford it tomorrow either. So don’t put any unnecessary pressure on yourself to come up with money in the future that you can’t guarantee you’ll have today.
0:50 Bad Debt vs. “Good” Debt – know the difference
Good debt generally has an interest rate of 10% or less and will appreciate in value. Home mortgages and student loans are examples of money borrowed that will be well worth the investment in the future. Car loans are somewhat on the fence, true, they meet the low-rate rule, but cars almost never go up in value. Bad Debt (also known as consumer debt) is everything else – yup, that even includes your platinum-all-star-VIP-rewards card that you’re paying 29% interest on.
0:40 Pick a card & stick with it
I know that “settling” down is probably far from your mind with all the dating choices that you have, but when it comes to credit, you’re better off going “steady” with just one major credit card. Choose one with the lowest annual interest rate possible (check out your options at www.choosecreditwisely.com) Cancel and cut up any other cards, including all department store cards – you can even use the little pieces of plastic to make some cool wall art. Now that you’re exclusive to just one card treat it with respect, and you’ll have a great and long-term relationship.
0:30 It’s time to face the music
This won’t be fun at first, but it’s necessary to get you closer to not being afraid that “someone is after you” every time the phone rings. You’ve gotta pay to play, so pull out all of your credit card bills and line ‘em up on the floor. Find the minimum monthly payment for each one and then total them all up to get an overall monthly minimum payment amount. Make a commitment to pay the total minimum due PLUS $100 more to the highest outstanding balance every month (or at least enough to make a dent in it) If you can’t pull this off right away, then come up with a plan that will make it possible within the next three months. It might not be fun, but it’ll be worth it.
0:20 Ready. Set. Attack.
Get angry; I mean fighting mad. Your future is on the line, and it’ll be a bright one as long as you’re not strapped with debt. So the next step is to identify which of your credit cards has the highest annual interest rate and apply the $100 more (above the minimum amount due) to the highest interest rate account(s) first. Repeat this process monthly until the last Bad Debt account is paid in full.
0:10 Pretty pleeze?!
Grab a bill from any creditor that’s charging you more than 15% interest. Call them up, and with all the Academy Award winning acting skills you can muster ask that your rate lowered to 11%. Tell them that you’d really like to keep your account open with them, but that you’ve gotten “offers” for much-much-lower-rate cards (at this point let your voice trail off for dramatic effect). They’re gonna try to break you, but don’t let ‘em see you sweat, because to them, you’re not just a customer you’re a cash register (they hear cha-ching every time you charge something and don’t pay your balance in full). What do you have to loose? Just try it. It’ll be fun, and you stand to save a bunch of money.
0:01 Go ahead…Get your dance on
When the Bad Debt is 100% exorcised go ahead celebrate – heck, when you’re halfway there start doing the “happy dance” – life is meant to be enjoyed, and you’ll feel more carefree today when you’ve paid off your bar tab from spring break two years ago. Now that’s something to cheer about!
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