What You Need to Know About Credit Card Debt Settlement By Vincent Polisi

If you have unsecured debts that you have no idea how you are going to pay, then you will want to read on. We will be taking a look at debt settlement. First, we will take a look at what you need to do before you attempt to settle a debt and then we will look at some important things to remember in the debt settlement process.

First try debt validation

Before you offer a settlement, you should first attempt to validate the debt. Debt validation is when you have the creditor prove that you owe THEM the debt. Send them a certified letter stating that you would like to get a copy of the original contract, a complete accounting and a contract between them and the original creditor that shows that they are entitled to collect the account. If they cannot provide you with this information, they must seize all collection efforts and remove the account from your credit bureau.

Check the statute of limitations

The statute of limitations is the time that a company can use the court system to collect on an account. The statue of limitations varies by state, but you should check your states statute of limitations prior to offering a settlement.

Begin debt settlement negotiations

If you are not able to remove the account from your credit file through debt validation, and the statute of limitations is still in effect on the account, then it is time to begin debt negotiation. You should call the collection agency and get a feel for where they stand. Make sure you have their physical address because you are going to want to handle all negotiations in writing. This provides you with the documentation that you need and prevents emotions from playing into the negotiation process. It also prevents the creditors from backing out from a verbal agreement that they made.

Depending on how likely they think you are to file bankruptcy, a company may settle for anywhere between 30-70% of your balance. Most settlements are in the 40-60% range. If they think that they may get nothing they are much more willing to offer a reasonable settlement.

It can take anywhere from a month to a year to reach a settlement agreement, depending on how quickly the lender is willing to move. Don't forget - get everything in writing before making a payment. Certified mail is the preferred method for all communications.

Vincent Polisi is the founder of Credit Repair College and Finance the Dream. To learn more aboutdebt settlement companies please visit us on the web. Article Source: http://EzineArticles.com/?expert=Vincent_Polisi

Niche Blueprint 2.0 Bonus Review

By: Geoffrey Hadley 

In 2008 Steve Clayton and Tim Godfrey launched their, from many long awaited, Niche Blueprint software. This program literally took the online society by storm and thousands rushed to their credit cards or their piggy banks to buy the product.

Looking back, in January 2008 Niche Blueprint sold 5000 copies in the first 36 hours and the product was a nr.1 hit on the clickbank market for weeks after. Eventually the doors were closed and all those that failed to take action lost out on one of the most successful products of all time.

In the meantime thousands have used the methodic behind the Niche Blueprint system to generate thousands of dollars online and secure thierselves a financially free life.
All this could be done without an email list, without their own product, no additional investment, no internet marketing experience and with no technical knowledge. Niche Blueprint 2.0 now makes the whole process even simpler!

To prove that their program worked, before they launched the product, Steve and Tim set up two Ecommerce websites with their software. One was for Train Horns and one for Bird Cages. The train horn website can be seen at www.pbmission.com and is still ranking nr.2 in Google.
I can't remember exactly how much, but both websites generated well over $10.000 a piece in the 30 day trial. The birdcage website was then sold for $173.000 and due to this fact, it was even presented on Fox News.
So, it was proven that with the Niche Blueprint program really anyone could succeed in the Ecommerce business.

Well the guys are back again with Niche Blueprint 2.0 and I can report this much. I was one of the first to purchase Niche Blueprint and I have already gotten myself on the early bird list for Niche Blueprint 2.0.
This revamped version will rock the online world yet again. It is easier, faster, and there are mega tools included to find the niche markets, research the keywords and optimize the webpages. These tools alone are worth the one off price the whole course will cost.

The price of the Niche Blueprint 2.0 course will be $297 in the launch week. After 7 days, on the 18th January, the price will go back to it's normal $497.
I kid you not, if you are looking to pack up your day job and go on to being your own boss with a profitable Ecommerce business, forging your future and that of your loved ones so that you and they can live a life that, until now, you could only imagine in your dreams, then you must take action now and grab this once in a lifetime opportunity.

I will say no more about Niche Blueprint 2.0 because if you read this article to the end and follow through, you will be directed to my review page. Here are all the details listed and there is a very informative video from Steve about his product Niche Blueprint 2.0.

So I wish all a happy and prosperous New Year and leave you with one thought.
If you don't change what you are doing today, all your tomorrows will look like yesterdays!
I sincerely hope to be able to change your life in the coming new year of 2010.

In 2008 Steve Clayton and Tim Godfrey launched their, from many long awaited, Niche Blueprint software. This program literally took the online society by storm and thousands rushed to their credit cards or their piggy banks to buy the product.
Looking back, in January 2008 Niche Blueprint sold 5000 copies in the first 36 hours and the product was a nr.1 hit on the clickbank market for weeks after. Eventually the doors were closed and all those that failed to take action lost out on one of the most successful products of all time.

In the meantime thousands have used the methodic behind the Niche Blueprint system to generate thousands of dollars online and secure theirselves a financially free life.
All this could be done without an email list, without their own product, no additional investment, no internet marketing experience and with no technical knowledge. Niche Blueprint 2.0 now makes the whole process even simpler!

To prove that their program worked, before they launched the product, Steve and Tim set up two Ecommerce websites with their software. One was for Train Horns and one for Bird Cages. The train horn website can be seen at www.pbmission.com and is still ranking nr.2 in Google.
I can't remember exactly how much, but both websites generated well over $10.000 a piece in the 30 day trial. The birdcage website was then sold for $173.000 and due to this fact, it was even presented on Fox News.
So, it was proven that with the Niche Blueprint program really anyone could succeed in the Ecommerce business.

Well the guys are back again with Niche Blueprint 2.0 and I can report this much. I was one of the first to purchase Niche Blueprint and I have already gotten myself on the early bird list for Niche Blueprint 2.0.
This revamped version will rock the online world yet again. It is easier, faster, and there are mega tools included to find the niche markets, research the keywords and optimize the webpages. These tools alone are worth the one off price the whole course will cost.

The price of the Niche Blueprint 2.0 course will be $297 in the launch week. After 7 days, on the 18th January, the price will go back to it's normal $497.
I kid you not, if you are looking to pack up your day job and go on to being your own boss with a profitable Ecommerce business, forging your future and that of your loved ones so that you and they can live a life that, until now, you could only imagine in your dreams, then you must take action now and grab this once in a lifetime opportunity.

I will say no more about Niche Blueprint 2.0 because if you read this article to the end and follow through, you will be directed to my review page. Here are all the details listed and there is a very informative video from Steve about his product Niche Blueprint 2.0.

So I wish all a happy and prosperous New Year and leave you with one thought.
If you don't change what you are doing today, all your tomorrows will look like yesterdays!
I sincerely hope to be able to change your life in the coming new year of 2010.

Article Source: http://www.articlewarehouse.com

The author uses many different income streams to generate residual income online. The main marketing method used by the author of this article is known as Affiliate Marketing. Niche Blueprint 2 Bonus Review

Learn How To Trade And Become Rich!

Learn How To Trade And Become Rich!

UAE’s Steel Consumption to Reach 15 Million Tons by 2012 by: Shushmul Maheshwari

According to our new research report, “UAE Steel Industry Analysis”, despite being affected by the ongoing financial crisis, the steel industry of the UAE is expected to witness good time ahead. Various upcoming infrastructure projects will drive the steel demand in the UAE. It is expected that the UAE’s steel consumption will reach 15 Million Tons by the end of 2012, an increase of around 50% from the consumption level of 2007.

The report highlights that the construction boom in the UAE is the major driving force behind the growth of its steel industry. It is expected that in coming two years, a total of US$ 392 Billion will be spend on construction activities. It is noteworthy that UAE’s construction activities are largely concentrated in Dubai, but during the coming years, unprecedented growth in the sector is expected throughout the country, especially in Abu Dhabi.

UAE is mainly dependent on imports to fulfill its domestic steel consumption. But recently major steel companies including state owned Emirate Steel (ESI) have planned to add major production capacity in the coming years to reduce the country’s dependence on imports.

Further as per our research, UAE is the leading country in terms of per-capita steel consumption in the region. The per capita steel consumption in the country stands at 2,348 Kg, which is not only higher than the GCC average of 645 Kg but also exceeds the world average of around 240 Kg.

“UAE Steel Industry Analysis” contains an extensive research and in-depth analysis of the UAE’s steel industry. The report gives an overview of the steel industry and studies the key market trends to help clients analyze the leading-edge opportunities in the UAE steel industry. Detailed data and analysis help investors and global players to navigate through the evolving steel industry of the UAE.

The report investigates the potential of UAE’s steel industry by focusing on the growth prospects. The research also covers the forecast on various industry segments including GCC steel production by country, GCC steel consumption by country, construction industry in UAE, steel production, steel consumption and the market share of steel companies.

For FREE SAMPLE of this report visit: http://www.rncos.com/Report/IM135.htm

Check DISCOUNTED REPORTS on: http://www.rncos.com

Philippines Banking Sector Analysis by: Shushmul Maheshwari

Over a period of time, the banking industry of the Philippines has seen a transformation with the reforms being carried out by both the banking regulator and the government. The reform process has resulted in improved banking industry, with industry income touching new heights in 2007. Moreover, the Philippine banking industry has been undergoing consolidation that will further strengthen its position as new entities will increase the competition level. Moreover, banks will continue to be supported by a benign economic outlook, which reduces the likelihood of a sharp increase in unemployment or corporate bankruptcies, as per “Philippines Banking Sector Analysis", a new research report by RNCOS.

The report provides extensive research and rational analysis on the Philippines banking industry and helps clients in analyzing the current performance and growth opportunities that exist in the banking industry. The report provides detailed overview of the banking industry in the Philippines by contemplating and analyzing various parameters like assets size, income level, number of financial cardholders etc. It helps clients to understand various products available in the Philippines banking industry and their future scope.

The future forecast discusses the future prospects of different arms of banking industry, including bancassurance, financial cards, mobile banking and role of technology in banking. The future projection given in this report is done on the basis of the current market scenario, past trends, and rules and regulations laid by the central bank.

For the purpose of this research report, Asia consist of China, India, Hong Kong, Taiwan, South Korea, Singapore, Malaysia, Thailand, Indonesia, Philippines and Vietnam.

Key Findings

- The Philippine banking industry posted a CAGR hike of 8.46% in asset base between 2004 and 2007.
- Industry deposits in the country grew at a CAGR of 9.82% from 2004 to 2007.
- Deposit mobilization is concentrated with universal and commercial banks, which account for the majority of the Philippine banking industry deposit.
- Financial Intermediation was the largest shareholder of the loan disbursal by banks during 2004-2007.
- Bancassurance will account for 65% of the total sales of insurance products by 2011.
- Increasing at a CAGR of 69.78%, microfinancing in the Philippines is expected to reach 56.5 Billion Pesos.
- Increasing mobile penetration will expand the mobile banking user base to more than 11 Million by 2011.

Key Issues & Facts Analyzed

- Market analysis of different product segments in the banking industry.
- Evaluation of current market trends.
- Factors driving growth in the Philippines banking industry.
- Analysis of challenges and opportunities for the industry.

Key Players Analyzed

This section covers the overview about the major players in the Philippines banking industry like Metropolitan Bank and Trust, Bank of the Philippine Islands, Banco de Oro UniBank Inc. and Land Bank of the Philippines.

Research Methodology Used

Information Sources

Information has been sourced from books, newspapers, trade journals, and white papers, industry portals, government agencies, trade associations, monitoring industry news and developments, and through access to more than 3000 paid databases.

Analysis Method

The analysis methods include ratio analysis, historical trend analysis, linear regression analysis using software tools, judgmental forecasting, and cause and effect analysis.

For FREE SAMPLE of this report visit: http://www.rncos.com/Report/IM113.htm

Check DISCOUNTED REPORTS on: http://www.rncos.com

7 Reasons why we should invest in gold

1. Investment demand continues to be extraordinarily strong (and we see no reason for this to change) given the loss of confidence in both the financial system and policy makers and as investors prioritize capital preservation over capital appreciation, increasing portfolio allocation to more creditworthy or “safe haven” investments, i.e., precious metals. Regaining this loss of confidence in the financial system and policy makers, in our view, will take a considerable amount of time, earning precious metals a permanent place in any prudent portfolio and underpinning prices over the longer term.

2. Declining supply – central banks have moved from net sellers to net buyers. This is a significant structural change in the gold market as central banks have been net sellers for two decades. Central banks looking to diversify their reserves in light of the rampant currency debasement have very few options available, and we would argue gold is the most attractive. It is also important to note new mine supply has essentially just been replacing aging mines. Given the long lead time between finding a deposit and actually moving it through to production is on average around 10 years, new mine supply remains largely inelastic. Adding further pressure on the supply side of the equation is the dearth of new discoveries and the increasingly challenging mine development environment.

3. All-in costs remain high – aging mines are experiencing declining grades, and new projects tend to be of lower quality, requiring higher and higher metal prices in economic studies, which are still returning IRRs in the mid to high teens.

4. Very low/negative real rates – lowers the opportunity cost of holding hard assets. Most major countries (including the U.S.) continue to support a low interest rate environment; we suspect this will be the case for some time to come as increasing rates may derail recoveries.

5. Central banks are buying Gold. – The Central Bank Gold Argreement, originally signed in 2001 and recently renewed for another five years, limits the amount of gold European central banks – including the International Monetary Fund – can sell to 400 tons per year. This means that even if governments want to sell off their gold reserves, they can’t – further straining the supply of gold on the market. The U.S., the world’s largest holder of gold, is holding on to their stash as well. Some governments are going even further: Venezuela’s Finance Ministry now requires 70 % of gold produrced in the country to be sold domestically. At the same time Russia, Ecuador, Mexico and the Phillippines are all buying gold. And China has increased its reserves by a staggering 76 % and will continue to do so until its Central Bank will have a 20 % gold reserve.

6. Push for Gold-backed Currencies. As investors the world over lose faith in their governments ability to contain the financial and economic crises, many are calling for gold backed currencies – much like the U.S. dollar was until the early 1970’s. Even Zimbabwe, which a year ago had hyperinflation running at 231 million percent annually, is now considering reintroducing its Zimbabwe dollar, but this time fully backed by assets, including gold. In order for this to happen, countries would have to purchase enough gold to back all their currency – putting extreme pressure on the gold supply.

7. Asian Demand for Gold is Exploding. Asia, with more than two and a half billion people, has a major impact on investment demand. Asians have a long-standing cultural affinity for gold as a store of wealth. India is the world’s largest gold consumer. For the las 50 years, the Chines government has forbidden its citizens from owning gold. Today, Chinese investors even have access to gold linked checking accounts. As a result, demand for gold in mainland China is expected to triple in the next few years.

…what is ahead of us? The SGP is an indicator.

The Shadow Gold Price (SGP):

To identify the intrinsic value of the dollar today, we examine the corollary – the intrinsic value of gold in dollar terms, which we dub “The Shadow Gold Price” (SGP). To do so we assume that Federal Reserve Bank liabilities are again exchangeable into gold (recall, FRB reserves are bank assets – the stuff that used to have to be gold). As we discussed in “A Not-So Modest Proposal”, one would simply divide the dollar amount of current Fed liabilities by official gold holdings. This calculation, while simple, is intellectually honest and produces a breathtakingly large “equilibrium” gold price of approximately $9500 per ounce today ($2.5 trillion divided by US official gold holdings of 8100+ metric tons).

Why Gold will be the “Greatest Trade Ever”

Outlook for 2015 - learn and duplicate from the very big players in the market:

Forget about all the forecasts being made for 2010. Here's the prediction by Money Morning for 2015: An entirely new name - John A. Paulson - will grace the coveted top of the annual Forbes billionaires list.
And the gap between Paulson and the runner-up billionaire will be huge. Everyone knows that Bill Gates and Warren Buffet are America's - and the world's - two richest men. But the financial crisis of 2008 and 2009 was not kind to either of them, eradicating $17 billion of their combined net worth. On that famed list, at No. 33, is where you'll find Paulson today. The hedge-fund manager's financial acumen led to what is now being called the "the greatest trade ever." By shorting the subprime mortgage market, Paulson & Co. Inc. generated a $15 billion gain. Paulson's personal net worth of $6 billion is impressive in its own right. But over the next several years, I believe that Paulson's trading savvy will vault him into the top spot.

And the vehicle that will take him there is gold.

Paulson's latest foray says a lot about how he intends to further multiply his own net worth, as well as that of his clients.

That foray will focus on gold, he said during an address to the Japan Society in New York earlier this month.

"As an investor, I became very concerned about having my assets denominated in U.S. dollars," Paulson told his audience. "So I looked for another currency in which to denominate my assets in. I feel that gold is the best currency."

As of June 30, gold and gold-related assets accounted for 46% of the Paulson firm's total holdings - a colossal position that flies in the face of traditional portfolio-diversification theory and position sizing. Yet I expect this will help him generate a brand new "greatest trade ever."

It's also worth noting that Paulson recently announced his firm's plan for a Jan. 1 launch of a dedicated gold fund. The fund will invest in gold stocks and gold derivatives in a way that will enable it to outperform the price of gold. Paulson is committing $250 million of his own capital to this new investment vehicle.
This all adds up to one enormous wager on gold. But Paulson's track record and reputation for research diligence make it impossible to ignore.

The story behind the killing that Paulson's company made on the subprime-mortgage crash - and the lengths that Paulson and star analyst Paolo Pellegrini went to create the profit opportunity - is as gripping as any detective story.

Although it's now referred to as the "greatest trade" ever, it certainly wasn't the easiest position to take. Paulson and his cohorts watched from the sidelines as the housing industry zoomed through four years of unprecedented growth. When Paulson bet against the bubble, and continued to increase his position even as housing continued its surge, he found that many longstanding customers that had profited nicely from Paulson & Co. refused to go along.

Paulson, they felt, was flat out wrong.

Is that happening again? After all, there's a long list of pundits who are right now saying that gold is in a bubble that could burst at any time. Ignore them. This array of "talking heads" will inflict irreparable damage on your portfolio.

Besides, Paulson isn't alone in his investment thesis.

In a recent interview, author and global-investing guru Jim Rogers said that "during the course of the bull market [gold] is going to go much higher, it is certainly not a bubble yet." To underscore his point, Rogers said that "I don't think this is the top," and said that "I'm not selling under any circumstances."

Also in this camp is Victor "Trader Vic" Sperandeo, whose 40 years of market experience has included stints with George Soros and Leon Cooperman.
"Well, I'm on record across the world as saying that gold is the best investment in the world for the next two to three years," Sperandeo said. "If you go back to its lows, and you compound where [gold] is today, it's about 6.5% compounded. That isn't a bubble."