KURD HACKER KURDISCH HACKERS » know what your

Teenagers can be a handful. Give them a credit card and they might just run amok and swipe the cards every chance they get. This is why it is important to teach teenagers to be financially responsible from a younger age. My friend Laura learned that the hard way. Laura is a single mother with two teenage daughters. Laura worked hard to keep food on the table and as she was not always able to go shopping with her daughters due to the demands of her workplace cheap air force 1 low , she decided to give each of her daughters a credit card so they could buy the things they needed even when she was not around to buy things for them. The consequences were disastrous. Her daughters used their credit cards like it's nobody's business until the debts become more than what Laura could handle. She enlisted the help of Freedom Debt Relief and that was when she realized that she needed to educate her daughters and boost their financial IQ.

Laura decided that it was time her two teenagers learnt that credit cards are not free money. As a mother it was her responsibility to monitor her daughters' spending habits to ensure that they would not have to enroll for a debt settlement program ever again. So Laura set a rule that every time her daughters swipe a card they are to jot it down in their own notebooks and the information must include the amount they spent, the item they spent the amount on, and the purpose of the items purchased. Each spent amount is to be added up at the end of the month. Every month she would compare their notebooks against their credit card bills. Laura also made sure that her daughters see the bills so that they could understand that they are actually spending money even though no cash has been traded. After all cheap air force 1 black , individual purchases may not seem like much but when added together, the figure actually caused her daughters eyes to widen like they could not believe they actually spent that much.

Financial responsibility was also to be nurtured. Laura started making her daughters earn every single purchase they made. For example, if her daughters each bought a new dress she would ask them to pay for the purchases with their own money when the bills came. Of course she did not include the interest at first because her aim was to let her daughters understand that money does not grow on trees and if they want to buy something they have to work for it. It started with simple things such as getting paid for mowing the lawn and saving the money to make up for the purchases they made with their credit cards. If they refused cheap air force 1 white , Laura would simply take a portion of their weekly allowances to help pay for the items they themselves bought. Naturally that did not bode well with their daughters so they learned to work for money so that they could still keep their allowances.

Once her daughters started paying for the items they bought, Laura began playing the role of a credit score keeper. Just as credit card purchases would affect Laura's own credit history, she applied the same concept and practice on to her daughters. Basically cheap air force 1 shoes , each daughter had to maintain a good credit score in order to continue using their respective credit cards. Laura explained to her daughters that banks and credit card companies use the same principles so they should also learn to familiarize themselves with such practice. Generally if her daughters were late in making payments Laura would deduct their "credit scores" herself and this affected their ability to use their credit cards in the future. If the scores got to a low point, credit card privileges would be temporarily revoked until her daughters managed to bring their scores up again.

The measures taken by Laura may seem as harsh to some. However, teenagers do need to understand that credit cards are privileges that they have to be responsible for. Laura's daughters are now grown up and are better informed on the effects and ramifications of credit card debts. So I believe it wouldn't hurt to start teaching kids to be financially-savvy so that they would learn to appreciate hard-earned money even more.
Use Product Research to Position Yourself as the Expert Marketing Articles | September 2 cheap air force 1 mens , 2003
You have an idea for a new product or service, want to get feedback from ... and position your firm as the experts. How do you do this when you haven?t ever provided the ... service or so


You have an idea for a new product or service, want to get
feedback from prospects and position your firm as the experts.
How do you do this when you haven?t ever provided the particular
service or sold the product?

Let?s say you are in the planning stages of starting a
collection agency. (Your clients could be lawyers cheap air force 1 womens , building
contractors, clothing manufacturers, etc.) How do you find
out what your potential clients want and position your firm
for future sales?

Even if you don?t have a fully defined service you can
still demonstrate your expertise through the quality of
the questions you ask. No one knows all the answers and
bluffing is a poor way to build a business. Use questions
to prompt prospects? thinking. Then use your expertise to
synthesize common problems and solutions and prospects will
be impressed. While your products and services are the
vehicles that will earn you money cheap authentic air force 1 , your expertise is what
will help you become a trusted advisor and service provider.

If you don?t know what your prospects want, ask them. Put
together a list of ten to twenty-five questions. Avoid using
?either or? types of questions and create a list of
open-ended questions which encourage prospects to discuss
their collection concerns. Ask questions to clarify common
collection problems, their importance and what prospects
want to do about them.

Now that you have your list of questions cheap air force 1 china , whom. Cheap NHL Jerseys Replica Soccer Jerseys Replica NCAA Jerseys From China Replica NBA Jerseys China Replica MLB Jerseys From China Replica Soccer Jerseys Shop Fake Replica NFL Jerseys Cheap Replica Hockey Jerseys China Cheap Replica Jerseys Free Shipping Cheap Replica Baseball Jerseys Online