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The Difference between Debt Management Companies and Credit Counseling The Credit Counseling Persp

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As consumers struggle to pay for necessities like food, housing, gas, and electricity, they often are faced with deciding between paying for those necessities and paying their monthly payments for credit – based debt. In some cases, consumers are paying only the minimum payments on their credit cards and other installment debt, and in other cases, consumers are making late payments. In the worst case scenarios, consumers are making no payments at all. Faced with extreme measures like bankruptcy, many consumers are turning to debt management companies for help reducing or eliminating their debt.

If you are a consumer struggling to manage your debt, you may be wondering what your options are in terms of debt management and / or counseling. Debt management and credit counseling are not the same, so to make a decision as to which is right for you, you will need to understand what each process entails.

Consumer Credit Counseling

Consumer credit counseling is a process designed to help consumers understand why they are in debt, help them get out of debt, and help them stay out of debt. This process, according to many financial experts, is the best way to manage debt because consumers leave the process with a better chance of staying out of debt than they would if their goal was only to eliminate debt.

Consumer credit counseling takes a lot of effort on the part of the consumer, and understandably so. With an end goal of teaching the consumer what is involved in proper money management, consumer credit counseling is as much about insight, education, and responsibility as it is about reducing and eliminating debt. Although the consumer may be focused on getting out of debt, the process of consumer credit counseling may produce better financial consumers.

In general, consumers who seek out the services of a professional credit counselor is a consumer dedicated to a financial future free of debt. To begin the process, most credit counselors require that the consumer complete a detailed questionnaire that includes detailing spending habits, overall sources of debt, and income. Either over the phone or at an in-person appointment, the credit counselor then works with the consumer to develop a plan to become debt free.

In some cases, consumer credit counselors will require that, as part of the debt elimination / reduction process, the consumer commit a certain percentage of his or her income to pay existing credit – based debts. This percentage is typically based on what other obligations the consumer has such as the need to provide for family members and make other payment obligations. In other cases, the consumer credit counseling process is based on the amount of expendable income that the consumer can work into his or her budget.

In nearly all cases, consumer credit counseling involves teaching the consumer how to manage money. This occurs by examining all expenditures and ranking those expenditures in terms of their necessity. For instance, during the credit counseling period during which the consumer has committed to becoming debt free, a counselor may require that the consumer eliminate all unnecessary spending. After all, in many cases, it is such unnecessary spending that has resulted in a pile up of debt. Consumers, even those faced with rising debt, often continue to spend money on eating out, going to the theater, travel, and other non-essential spending. Consumers who commit to a debt reduction or elimination program through the consumer credit counseling process must also commit to cut all non-essential spending. Once the goal of eliminating and / or reducing all debt has been achieved, the counselor works with the consumer to develop a budget that makes sense

One of the primary differences between the services provided by debt management companies and consumer credit counselors is that consumer credit counselors challenge consumers to make hard choices about how they spend their money and how committed they are to becoming debt free. Consumers who are not prepared to make those hard choices may not be good candidates for a consumer credit counseling program. Other choices for those consumers may be debt management companies, self-management of the debt reduction process, and even, in extreme cases, bankruptcy.

Sam Jones the author of this article recommends to his readers to visit website http://www.uswitch.com/debt-help/debt-management-plans/ from uSwitch for the latest debt advice available.

time management in the Kitchen

Management blogger

The key to better cooking at home is efficiency at your kitchen. Planning, preparation and organization are all part of any successful chef’s arsenal in creating the top-most meals whether at home or at a busy hotel restaurant.

Better, hotter and fresher dishes will be easier when you put an effort to manage your time at the kitchen. Preparing even the most extravagant dishes can be easy as long as you have made a plan from start to finish. Lower stress and more confidence is the results of a time managed kitchen.

Managing my Kitchen time?

Having a plan will make any master chef or cook at home wannabe more confident the dishes they prepare. Memorizing the meals in your head can be easy if you are just preparing one meal. But if you are simultaneously cooking two, three or more dishes using just your head might produce a kitchen disaster.

The plan starts out hours before the cooking time. If you can spend 5 minutes to skin and chop up onions that you will be using for the week, you can save tons of time when it’s actually time to cook them. You can prepare several items this way. Eggs, vegetables, garlic, onions, garnishing can all be sliced or cooked beforehand. In fact some hotels pre-cook their poached eggs the night before breakfast buffet. That is the only way they can keep up with hundreds of guests for breakfast.

Pre-cooking meat is an open secret in many a posh restaurant. You may think that your steak has been freshly grilled but in fact it was half cooked hours before your order. Fresh lobster? Think again, that crustacean was sitting on the pot long before you sat down on your reserved seat.

It is absolutely essential to save as much time as you can in doing the things that aren’t related to the act of cooking itself. You can measure your sugar, salt, pepper, paprika or any spice and put them in little plastic containers ready to be used instantly when they are needed. Gourmet dishes can be prepared at lightning speed with this method.

Doing the dishes can be done in fast-forward mode. It just takes four fills of your sink. The first one being the pre-rinse stage to get rid of all the leftovers. The second stage will have the dishes pass through a soapy water fill and wipe briskly with a sponge. And the last two to rinse. Try it and save tons of time.

Preparing for any situation if the real key to time management in the kitchen. If you know that you may run out of hot water for your chop suey and you have a few quarts ready to pout you will definitely save time. Writing down all the ingredients and steps with the meal your currently doing will boost your confidence and productivity.

All great cooks have several arsenals in their kitchen. And the kitchen timer is the prime weapon. Not one cook in the world can cook several dishes together without a trusty kitchen timer. In fact a cook can use as many as 5 at a time. One for eggs, one for that chicken soup. One for baking and one for timing that icing mix. Several more high end kitchen timers can time all of those in one digital timer device.

A kitchen timer will mean no second guessing if you beef is already tender enough or if your toast has been down the oven long enough (French toasts need an oven to be done well, another secret from a chef).
Make sure you have a kitchen timer right on a convenient place on your kitchen. Free from anything that would obstruct its view and would cause it to fall. Along planning, preparation and the other techniques mentioned in this article, time management in the kitchen can be easy for anyone learn.

Fundamental Principles Of Classroom Time Management

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Teachers and teaching assistants seem to never run out of things to get done in the classroom and often, they complain that they simply do not have enough time to accomplish them. Unfortunately, they do not have a choice as to how many hours they have to teach a subject each week. Classroom time management takes into account the fact that classroom times are limited and helps teachers accomplish as much as they can realistically.

The fundamental principles of classroom time management is similar to any work environment. The teacher needs to define his or her class objectives and focus on these to make sure that no time is wasted. When goals are not clear, discussions and activities are likely to lose direction.

An important step in classroom time management is to establish the activities for the day and identify which to prioritize to make sure that key topics are covered first. When allotting time for tasks and exercises, give some allowance for miscellaneous things that also take up time like explaining instructions, answering students questions, setting up equipment and etcetera.

When planning your lessons, make sure to review your material thoroughly and do the exercises and problem sets to find out potential problems and causes of delay. Allow more time for complex or difficult concepts and exercises. Expect to answer more questions from students.

Remember that even with good classroom time management, there will be times when you will not accomplish what you have set out to do because a classroom is a dynamic environment and sometimes it is important to let the natural flow of a discussion or activity take over your plans if it means cultivating student participation. Always be ready to modify your lesson plans on demand.

Classroom time management is not just about meeting daily class objectives. Do not forget the bigger picture. You are teaching a course and not just a one-day or one-week class so make sure to take into account your learning objectives for the entire course as you plan your lessons and your schedule

As final classroom time management tips, make sure to tell you students what are your objectives for the day in class, what activities or exercises you have set out to do and the amount of time you have allotted for each activity. You can prepare an outline of this information and have it projected onto the board. Ensure you are finishing activities as you have scheduled by keeping an eye on the time. After class, evaluate how each class went and make changes if necessary for the coming week.

Please check out AllContent.com for useful tips and info about Inspirational and Leadership.

ENERGY MANAGEMENT EDUCATION – SUSTAINABLE ENERGY MANAGEMENT

Management blogger

Energy Management – a must need of today’s environment. Energy management is a single term but it has a broad meaning in itself. It is the process of monitoring, controlling, and conserving energy in an efficient way. It refers to the practice of saving power in home, businesses, offices and institutes. Everybody should learn the basic phenomenon of -Energy Management’ to save nature and forging the Earth a better place to live in. Everyone knows what is energy? In simple words it can be best defined as -It is the capacity for doing work-. Meaning, no energy-no work !! So to conserve energy we should learn fundamental concept of energy management. Energy management includes planning and operation of energy-related production and consumption units. Main objectives of energy management are resource conservation, energy conservation and cost savings. It includes using energy in an efficient manner without wasting it. The VDI Guideline 4602 released a definition as : -Energy management is the proactive, organized and systematic coordination of procurement, conversion, distribution and use of energy to meet the requirements, taking into account environmental and economic objectives-

Energy Education – a way to proper energy management The demand and supply of energy changes from time to time. The complex relationship among the demand and supply for energy and environment, are all part of the process of planning and managing a cost-effective sustainable development. Energy education leads to efficient energy use to sustain the future needs. Educating for energy, leading to Sustainable energy Development, needs to be at the core and an integral part of all school programs. It is the responsibility of all teachers to increasing the awareness, values, skills, and understanding needed to create a just and sustainable future. There are many professional options in energy education. Every year large no. of engineers are getting attracted toward this field of clean energy education sector. It is vital for our next generation to have a safe and healthy environment living. Education and Energy projects should be executed in every schools and organizations of the world and it is our sole duty to support and actively participate in energy education awareness programs. Who to Call ? One organization that has taken the responsibility of energy management education, is DriveChange. It is an organization that works to make the world a better place for all. DriveChange, based in Singapore has executed Education and Energy projects in schools and organizations in Singapore, Indonesia and Malaysia. DriveChange has been awarded a grant to pilot an energy program for the Singapore government. The team at DriveChange is a balanced blend of educators, engineers and business associates. Visit http://drivechange.in for more information.

Importance Of Online Reputation Management

Management blogger

Online reputation is an important part for websites to run successfully. Online reputation is a necessary part for you to maintain a favorable image for your website or brand. There are times when a brand has a negative image on the internet rather than a good one, it automatically creates a negative image in the eyes of the users. Most people tend to engage better on your website when there is a positive image exhibited through it.

There have been so many websites and brands now that have received bad comments from users and there has been no online reputation management done. The websites then suffered huge losses which was bad for the business. It is important to have online reputation management services for a website so that the overall image of the website is taken care off. The information is stored in the internet and it is a big box of countless information. No information ever gets deleted on the internet and it always remains. It is better to get in better and a image of a website rather than having a negative one.

There are so many digital firms that offer online reputation management India. The professionals prepare a strategy and help you maintain a good image of your website and brand on the internet. Communication is constantly going on the web and it is necessary to check at all times what comments or views are coming up on the internet. Here is when, online reputation management services come into play. Whenever a negative comment comes up, it tends to show on the search engine result page in the top view searches.

A user tends to review the brand before making a purchase or engage with the seller. To counter this problem, online reputation management India use their online marketing skills and work on various strategies which can help create a better image of the brand. They devise strategies which include social media optimization, search engine optimization and ad campaigns. The social media pages help the brand interact and better and closely with the customers. The customers can engage directly with the seller and become more aware about the brand and the product.

Search Engine Optimization is also a part of online reputation management and it helps create a better presence of the website on the search engine result page. The SEO articles are done in make the websites appear with a good image on the top section of the search engine result page. Online Reputation Management are an important feature for websites to maintain as their online presence will make them a popular website to visit by their users.

The author of the article has been writing on digital marketing. He has been researching on the importance of online reputation management services and online reputation management India. For more details, visit www.pensamedia.com. Pensa Media is an online marketing agency which deals with maintaining a good online reputation management, social media optimization and website designing.