How to Avoid a Credit Card Charge-Off

The simplest way to avoid a credit card charge-off is to learn and understand the credit card system. Here are some tips:

Sending Credit Card Payments Through The Mail:

Some credit card companies actually require you to use their own pre-printed envelopes, but even if they do not, it is a good idea to do so in the interest of more efficient processing of your payment. Make sure you have included the billing coupon and have written clearly the amount that you are paying. Include your check, also written legibly, and remember to write your account number on the check.
When Ronald Reagan was running for President, he was asked what he was going to do to make the post office more efficient, to which he responded that he would start mailing workers workers their paychecks. Allow ample time when you send your check to the credit card company.

Change Your Credit Card Due Date Something That Is Convenient For You:

Many people find that the greatest number of their bills, such as their mortgage or car payment, are due at the first of the month. If these places a burden on your ability to pay your credit card bill that may also be due at the first of the month, a simple way to avoid this problem is to just ask your card issuer to change the due date for your monthly payment. There is no harm in the asking, and many card issuers offer this ability to change the due date of your bill as an option. One important thing to remember, though, is that it may take a couple of billing cycles before this date change is fully implemented. It is important to make sure that your bill is paid promptly when due until your change of due date becomes effective. Otherwise, you could find yourself on the wrong side of a late fee.

About Late Fees:

In the classic television detective series Columbo, which starred Peter Falk, Lieutenant Columbo always appeared to be distracted and disorganized, but in reality he was extremely focused and observant. One common scene that brought delight to fans of the show was when Columbo left a room in which he had been speaking to the murderer. He kept turning around and starting question after question with, "Oh, just one more thing …" Then he trapped the criminal. Well, the credit card companies are not Lieutenant Columbo and we consumers are certainly not murderers, but when it comes to trapping us in the fine print of their credit card agreements, it always looks like there is "just one more thing."

Make Your Credit Card Payment On or Before The Due Date:

Your monthly payment is due on whatever date of the month it says on your credit card bill. If your payment is late, the fine print of your card agreement provides for the right of the credit card company to assess a late fee, which can be as much as $ 35 for each late payment. In the past, some credit card companiesave their customers five or even ten days of grace after the due date before assessing a penalty, but that is not the situation any longer. So you send your payment with sufficient time to arrive at the card company on your bill's due date.

But, just one more thing: Some credit card companies deem your payment late if it is processed later than 1:00 pm on the day of your due date. Some of these companies do not receive and process mail until after 1:00 pm; Therefore, the real date by which your monthly payment must be received is a day earlier than the date indicated on your contract. So you need to make sure your payment gets there three days ahead of the due date. Another Note: If the envelope contains a staple, a paper clip, or a note from you, the fine print of the contract specifics that there may be a delay of up to five days in posting your payment. This may cause a late payment to be assessed on a payment that arrived at the card company prior to the due date of the bill. I'll bet Lieutenant Columbo read the fine print before sending in his payment.

Make Your Credit Card Payments On-Line:

The most efficient way to make credit card payments is to make the payment on-line if the company offers that service. You can specify the amount you want to pay, which account you want it deducted out of, and specify the date you want the payment made. By paying your cards this way, you can set the payment to be made exactly on the due date so the credit card company is not getting your money any earlier than the due date and you have the peace of mind knowing you will never be late On your payment. Just be sure to set this up at least 3 days before the payment is due, otherwise there might not be enough time to process the payment in time.

Avoid Credit Card Interest Rate Hikes:

Another problem with late payments is that they can also trigger penal interest rates as high as 29%; So, for example, instead of the 10% interest rate your card may carry, your rate will now be jacked up to 29% effective immediately. In fact, even if you are timely in your payment, credit card companies generally reserve the right to raise your rate to a penalty rate if you are late with any other payment to any of your creditors, whatsoever they may be. Just read the fine print.

Can not Make Your Credit Card Payment?

If you're struggling with making your monthly payments, before you're ever late on a payment, CALL YOUR CREDIT CARD COMPANY! Most companies will come up with a reduced payment plan if you're experiencing a hardship. You'll want to do this as soon as you determine that you can not make your payment, before the due date. You'll want to negotiate a payment that you can afford with your credit, then send that payment in on or before the due date so it does not affect your credit.

You'll want to be sure to get this agreement in writing and be sure to negotiate that this reduced payment WILL NOT be reported as a late payment on your credit report. Sometimes creditors will agree to a reduced payment, but they'll go ahead and report it as being 30 days late because it's less than what was contractually agreed to. If you get a letter from the credit card company agreeing to the reduced payment, along with a statement from the company that they will not report you as being late to the credit bureaus, you'll have the proof you need to send into the credit Bureaus if they do not hold up to their end of the bargain. This happens more often than not, so make sure you protect yourself.

"Settling" Your Credit Card Balance For Less Than The Full Amount:

"Settling" a credit card account basically means that you're paying less that the full balance. This technique is usually used if the account has already been charged off and can only be done if you have the money to pay them in full. If you're going to try this, you'll want to try to negotiate a "Pay for Deletion", which basically means that whatever amount the two of you agree to settle the account for; The credit card company is also agreeing to remove the account from your credit report. By doing this, the charge-off and late payments will no longer negatively affect your credit score.

Building Your First Website? – Some Things to Consider

If you have, or have had, a website on one of the free hosting services you are aware of the limitations. Your choices of layout are limited to the templates provided and you are allowed only so much space. Your URL is not distinctively yours and, very likely, there are ads put there by your provider. So now you are thinking of starting a website under your own domain name so that you can personalize it to suit yourself. If you are planning to do business on the web it is crucial to have your own domain name and unique look.

Stop. If you are going to do it yourself, rather than hire someone to do it for you and you have little or no experience, there are a few things you need to know and some planning you need to do first. Sure, you could just charge ahead learning as you go (and there will still be some of that) but things will go a lot more smoothly if you take an honest inventory of your knowledge and skills as they apply to the planned content and format of Your site.

Basic Computer Skills

Anyone who uses a computer is familiar with the way folders and files are organized. Casual or recreational users usually do not take advantage of this structure to keep their own files organized but you should definitely do this with your pages. As you develop your site (and especially when you are ready to upload to your host) a well organized structure will reduce the amount of effort required to find, link to and upload pages.

A strategy many find useful is to build the entire site on their local file system so that it can be thoroughly tested prior to launch. This is a simple matter of creating a folder to serve as the root or top level of your site and subfolders as necessary to organize the content. For example, you might make a folder called mysite to serve as the root and a subdirectory called images to hold all the graphics you will use on your pages. One big advantage of this strategy is the ability to use your computer's file manager to determine the storage space required for your site. This will help you in choosing a hosting plan that has enough but not way too much allocated file space.

It is advisable to use relative path names for all internal links of your site as in./images/picture1.jpg or ../adobefiles / helpfile.pdf so that they will not need changing when you upload to your host. The single dot is shorthand for the current directory (the one where the page that contains the link is located). The double dot representations directory one level up.

As you build your pages and links you can test them by double clicking on the index.html (the default first page of a site) in your file manager which will start your browser and display your page. You can name this first page anything you like provided you use the.html or.htm extension and specify this name in the ultimate URL of your site but that will require visitors to type something like to get To your site or you will have to do a redirect to it from your top level. If you leave the default name they can just type in the domain address and it will automatically load. At launch time the entire site can be uploaded via an FTP client (file transfer protocol) and be 'live' in minutes.

You will need to be comfortable with and know how to find your way around the web. Also, you definitely need to know how to download and install software as well as how to use an FTP client to upload and download files and directories. FTP client software is not something that most of us use in routine computer use so you may need to just learn this when the time comes to attempt your first upload. One good (and free) FTP client is FileZilla. You will also need to know a little HTML as that is what makes the web work.


Most people these days use some form of WYSIWYG editor (what you see is what you get) for most of their page development. Many, if not most, hosting services provide a simple one similar to what you may be accredited to on the free services. To break free of the lookalikes, though, you should acquire and learn to use one of the more general purpose editors. A very good one is SeaMonkey from Mozilla and it is free for the downloading. It also works directly in HTML so that you do not have to convert from the editor's native format to HTML before uploading. SeaMonkey is actually a 'Browser Suite' and includes a browser, a WYSIWYG editor and a viewer / editor for the HTML text file. However, some basic knowledge of HTML and a text editor like the one in SeaMonkey or even Windows Notepad will allow you to tweak things if necessary.

How much HTML should you know? Well, you should certainly know how to define a link so that you can link your pages and how to insert images. You should also know some of the text formatting tags for bolding etc. And how to specify text and background colors in hexadecimal (there are pages on the web with charts of colors and their hex equivalents). Metatags are another thing you should be familiar with. There are many books and online tutorials where you can learn about HTML.


In order for your site to be visible on the web, you will need a domain name (your URL) and a host. Your host will be providing the space to store the necessary files and web access to those files so that browsers can find and display them. Most hosting services provide a convenient interface for you to access your pages for maintenance, etc. And most will also register and host your domain name.

You will want to consider two main things when picking your plan; Storage space and file transfer limits. All the other stuff is nice and some of it is important but these two are critical. Your storage requirements are pretty easy to estimate as stated above. Your file transfer requirement is not so easy because it depends on how many visitors come to your site and how much they look at. One "rule of thumb" says to buy a minimum of five gigabytes or ten times your actual storage usage whichever is larger.

In Conclusion

Designing and building your own website from scratch can actually be enjoyable. So brush up on your skills and get to work. Share your hobby with the world or put your business on the web. There is a lot of satisfaction in doing it yourself. Most of all have fun with it.

What Is Digital Marketing?

In the last decade, the reliance on the Internet has certainly changed the way in which business is connected. It is clear to most business owners that without an online presence, your business is really missing out on a major of marketing, advertising, and success. Nowadays, anyone who is anyone keeps their own blog, social media platform, and of course a website. If you are a business owner and you do not have a website, you are neglecting to market yourself in the most effective way. That is why it is critical for every business to not only build a site for themselves, but also reinforce its presence through digital marketing.

What is digital marketing? And, how / why is this kind of advertising so important to a business? Let's consider these important elements of online strategizing:

What is digital marketing?

In its very essence, this kind of advertising conjoins the promotion and advertising in an online platform. The basic principles, values, ad tactics of traditional marketing are still at the core of this innovative phase, there is a seemingly more insightful guise into the consumer behavior and target demographic. This digital promotion possesses all kinds of internet marketing, however it focuses on digital media. SEO is only one kind of digital marketing tactic.

The way in which digital promotion is enforced is another interesting property. Various sources can be utilized to promote products and services of a business, including websites, mobile devices, instant messages, and SMS among many others. In addition, the digital nature of this kind of marketing is considered as one of the most cost effective means of advertising.

Two kinds:

Push digital marketing: Just as the name suggests, push marketing is directed to push the advertising information directly towards the target clientele. Often times, marketers will initiate the push marketing through email, RSS, or SMS, really targeting the receiver or clientele with a personalized message. This means is also powerful in that it is easy to track, monitor, and measure the relative efficiency of the marketing.

Pull digital marketing: The pull method of marketing is aimed at garnering customers to come to you. The marketing for this means will be communicated to compel the individual to make a call to action or come visit your business. The most obvious or pervasive example is a web page, website, or any other Internet based medium. While this means of digital advertising is not as easy to personalize or track, it is still effective and powerful nonetheless.

Living the Mind-Body Lifestyle

When I'm talking to mind-body newbies, they often ask me if I like living the mind-body lifestyle. They are usually worried that they'll have to torture themselves for life with something un-fun and limiting. Happily, the mind-body lifestyle is quite the opposite! Today's article is an example of what it's like to live this way, so that you can come sit in my living room with me and experience how I stay pain-free.

It goes like this: All day long, every day, my body is letting me know important things. How is it telling me? Via emotions. How do I know I'm having emotions? Via body sensations. So, my first step is to stay clued in to what my body and emotions are telling me. If I miss an emotional clue, my body will let me know with a little tension or some other small signal. All I have to do is notice these signals, and I can easily stay healthy and comfortable in my body. It's only if I were to ignore them that I might get a hint of pain.

Today is a perfect example of what it's like to use the mind-body maintenance plan.

During a session with a client this morning, I noticed I was having trouble speaking. I do not have a sore throat, I am not sick, and yet I was losing my voice. On my next call of the day, my colleagues noticed this and asked me if I had a cold.

"No," I answered, "and I'm not exactly sure what my body is trying to tell me."

There was silence while we all sat with that statement. It had the ring of a big fat lie . (No judgment here – it's quite normal that we all lie to ourselves regularly. It's actually quite good to find the lie, because then you can easily figure out what's really going on.)

I sighed. "Ok, so I do know what my body is telling me. I am not up for coaching right now, and I have a really full schedule because I've been out of town and will also be gone next week."

My college said, "Why not reschedule your sessions?"

My insides cringed. My mind panicked momentarily. And then, there it was. The THOUGHT behind this whole thing.

"I will be disappointing them," I answered. "They need their sessions, and I will not be here for them."

Which is one of the old patterns I have that leads me away from taking care of myself and straight into physical issues. I've spent many a year trying not to disappoint people, ignoring my own body / self, and ending up flattened as a result. This pattern doesnt serve me well.

The truth is that I must take care of myself in order to be of any help to any client. In fact, I might even disappoint my clients more by showing up and not being able to really do my job. My wise inner being knew that it was time to step back from coaching and take care of me, but I was afraid to follow this wise instruction. So, even though I knew in my heart what I really needed, I plowed forward with coaching.

My brilliant body let me know that I was off track. It took away my voice.

Is not it fascinating how our minds can yank us away from doing what is best for ourselves? Because my mind was afraid of disappointing clients, I was ignoring my soul's request for some quiet rest time. I was ignoring the emotional message, so my body amped up the volume a bit with the voice removal.

Hopefully you can see the process. As I noticed what was going on with myself, I unwelcomed a belief system that was causing me to work directly against what I really needed. As soon as I saw that, I was able to decide what was really best for me, and choose whether or not to act on that belief. I listened to my body, and therefore we are on good terms. I will not get sick, I will not have pain – I do not need the alarm to ring any louder than it just did.

So my body and I stuck a deal. I would finish out today, but cancel clients for tomorrow and take some serious rest and self-nurturing time. As soon as I made that deal, I felt an uplifting, lightening sensation in my chest. My voice got clear. I felt the resonance of alignment with myself.

What I like about this is that there's no fear involved. There's no imprisonment. It's not like following some hideously cycling diet for the rest of my life. It's freeing, actually, to always be checking in with my body and listening to its messages. Even if I need a slight alarm system warning here and there, it's nothing scary. It's just something to notice, learn from, and take action on so I can keep creating health.

I've noticed the more I listened to the messages, the quiater they are. The alarms do not need to be very loud anymore. Most of the time, I hear the whisper of my emotional guidance system and do not need any major body warnings. I used to get a full-on chest cold, a headache, a foot pain, or some other alarm. I love that today the body warning did not even have to create any discomfort for me to hear it. Nothing in my body hurts, but I still get the message, loud and clear. This is cause for celebration!

You, too, can arrive at this point where you listen to what your body is saying, day in and day out. It's not a bad thing at all – in fact, it's pretty dang cool to have such a helpful GPS system with which to navigate through life. I always know what's best for me, what will lead me to health and happiness, and what my next step is. There's a sense of confidence in that knowledge. Strength. Peace. And of course – health.