Friday, June 30, 2017
Review by: Cynthia (my mom)
"I think I got hooked on Sketchers when I first saw my 20 year old grandson wearing a red pair. They were so striking and looked so neat, and since then I have seen others with Sketchers in different colors and they seemed to call to me. Well, I finally got my own pair and I must say I love them! Mine are the Skechers D'Lites- Reinvention. The memory foam is so comfortable, the thick base keeps stones and other hard surfaces at bay. I would give Sketchers an A+. You'll see me wearing my Skechers all the time now!"
Review by: Monique ( me )
"For years I have been reviewing and wearing Skechers. I like that there are so many styles available and so many types of shoes to review- from sport, to casual to boots to sandals and so much more, that there really is a shoe for every outfit you'll wear daily with Skechers."
"With summer here, I spend as many good days as I can getting out for a walk with Gerry. My current sandals for walking are showing and feeling wear, and I was needing more distance between my foot and the road! I had a foot injury years ago that still effects me to this day as well as arthritis in my foot so good shoes are important when walking. The sandals I chose to review were the Reggae-Kooky. Soft web fabric upper in a strappy river style sandal with stitching accents, quick closure and supportive comfort midsole- that were great for walking, and also quite fashionable!"
SKECHERS is an award-winning global leader in the lifestyle footwear industry, designs, develops and markets lifestyle footwear that appeals to trend-savvy men, women and children.
Are you a landlord struggling to deal with tenants who are refusing to pay rent? Have you leant your services to a customer that is refusing to pay up? Whatever the situation may be, owing debt from someone is never fun. Whilst you may feel you have all the power, there are actually a great number of laws protecting those in debt that can make it quite difficult to get money back from someone that is being stubborn or ignoring your calls. For those struggling with debtors, here are the steps that you should take.
Get on the phone
Your first course of action, if you have a phone number, should be to ring up your debtor. Don’t come at them ranting and raving as this could be ground for harassment. Similarly, ring them at a sensible time that they’re likely to pick up at. Be short and sweet about how the debt needs to be paid and try to negotiate a way of getting them to pay it up. Follow up with phone calls until they have paid. If they continue to ignore your calls, refuse to pay up or say they will pay up but don’t, you can take things one step further.
Often it’s legally required to give proof of the debt in writing. Sending letters to the debtor’s residence is one way to do this. Continue to ring them up whilst sending letters. If they keep ignoring, don’t worry – you will be able to take things up a notch. Feel free to personally deliver the letter, but act calmly and respectfully. Save copies of every letter as they may be needed later as legal proof.
Hire a collection agency
There are plenty of debt collection agencies out there that can call up and send letters for you. They know the professional tone to take and all the legalities involved, and their official presence could help to show the debtor that you mean business. If they continue to ignore, a debt collection agency then has the rights to knock on their door and retrieve the debt by seizing items. Be prepared to not get all the money you hoped for – an agency may be required to take a percentage of the money won.
Get legal help
Debt attorneys may be required to file a lawsuit against a debtor, or help defend against a debtor that has also sought legal help. At this stage, things can get ugly, but so long as you have followed all the previous steps and have kept proof of the debt, things should run in your favour. The case may go to court, so be prepared to give evidence.
Don’t harass the people owing you money
The number one tip along the way is to stay calm and courteous. Harass the debtor and they may respond more defensively or deliberately make life harder for you to get back your money. Nine times out of ten, a debt can be paid off without having to get lawyers and agencies involved simply by peacefully negotiating an agreement.
Whether you run a business or you just want to keep better track of where your money is going every month, keeping track of your finances is so important. The problem is that many people start off with a commitment to keep track of their spending but they gradually lose this discipline over time.
Well, in this blog, we will cover four different methods of tracking your finances to see if any suit you. When running a business, you may want to develop your financial skills with an online accounting MBA as this can give you an entrepreneurial edge. You may have tried one of these before, in which case it might be time to try one of the other methods so that you enjoy more success.
If you are an Excel expert then keeping track of your finances on a spreadsheet may be the right option for you. Even if you are not too well-versed in this method, there are plenty of pre-made templates there to help you out. On the positive side of things, you have all your finances displayed on one page which gives you a great overview of everything. This way, you can easily see what you are spending and what you can potentially cut back on. However, you do have to remember to manually input the figures on a regular basis.
Some people think that the handwritten approach works best for them, particularly if they are not the most computer literate people in the world. You can also always carry your budget around with you in notebook form or just on a piece of paper. The act of writing everything down physically really does imprint every expense in your mind, but the obvious disadvantage is that this is a laborious process which can feel outdated in the digital age.
Online Budget Tracker
There are plenty of online budget tracker apps out there like Mint, allowing you to connect all your cards up with the service so you can let it keep track of your spending. You can place all your outgoings into categories so you can tell where your money is going every month. Though this is a very convenient option, it does remove you from the budgeting process somewhat so you don’t really notice where your money is going so much.
Let's face it, buying a house is a pretty expensive proposition. That's hardly going to come as much of a surprise to anyone. After all, buying a house is probably the most expensive thing that most people will do during their lifetime. However, just because you're probably going to end up spending a lot of money on a property, that doesn't mean that you shouldn't try and get the best possible deal. This is especially important because it's surprisingly easy to end up getting ripped off when you're putting money down on a new home. Far too many people have found that trying to buy a house brings up a lot of opportunities for them to lose out on some pretty serious sums of money. Rather than allowing that to happen, here are some things that you can do to make sure that you don't end up getting ripped off.
Don't let real estate agents baffle you with jargon
Real estate agents are often extremely charming and friendly. You feel as though they have your best interests at heart, and there's a pretty good chance that they do. But in the end, it's their job to try and sell you a house, and they will say whatever they need to in order to get you to do that. Sure, when it comes to real estate, there are always going to be agents who will work hard to get you the best deal possible. However, there are also going to be those who will try to baffle you with complex jargon in order to make a house seem like a better deal than it is. If it seems like an agent is trying to confuse you in regards to the price of a property, confront them and demand that they talk to you straight about what it's actually going to cost you.
Have it inspected
Unless you have some kind of expertise in the construction of houses, you're probably not going to be able to spot any structural issues with a home outside of incredibly obvious ones. This is why it's incredibly important that you have an independent survey done of the property. Not only can that help you determine its value, but it can also help you to avoid buying a house that then requires huge amounts of money to actually make it livable in the first place.
Do your research