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«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«» Online Business Opportunities - Weekend Edition (former Morning Co~free Newsletter) 02 February 2007 Issue 290 «»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«» # subscribers : 65,000+ «»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«» Member of Ezine Publishers Association http://www.EzinePublisher.org «»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«» MAILING LIST POLICY: 1.You receive this ezine because you've subscribed to it or to Morning Co~Free newsletter. By joining Online Business Opportunities (OBO) ezine and remaining member of this mailing list, you are giving your express consent to OBO and to any third party advertisers who may run advertising in or with OBO. You will receive in-house and third- party advertising from OBO and me, your publisher, information, alerts, advertisements of all sizes and types, offers or solicitations that the sender believes may meet your interest or that you requested. This enables you to get the ezine, at no cost. I prefer not to change over to a paid ezine so this is my best option this moment. If, under above circumstances, you no longer want to be MCF member, please, go to the bottom of this message and find the unsubscribe link 2. I also adhere to the Children's Privacy Act. You must be 18 years of age, to get this publication. Refer to: www.ftc.gov 3. I never rent, sell or trade the names of Online Business Opportunities subscribers. Your privacy is 100% protected! «»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«» This ezine is produced in subscribers benefit. To meet all interests I need your contribution. Please, help me to know what you need mailto:valdinca@xnet.ro?subject=mcf_feedback «»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«» PLEASE, FORWARD THIS ISSUE I personally consider your referral the greatest compliment. Do you know a friend, family, or work associate who can benefit from this E-Zine? Forward it to them and ask them to sign up mailto:valdinca@xnet.ro?subject=join_mcf They will thank you and so will I. «»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«» WARNING : Please take care, a subscriber will be deleted from this mailing list under these conditions 1) The mailbox bounces as an "unknown user"; 2) The mailbox sends back an autoresponder message; 3) The mailbox bounces as being full for 7 days. «»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«» << L(©^©)K! >> Top Special Recommendations << L(©^©)K! >> «»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«»«» The winner of TopAd is mweb70. Please hit the link below -------------------------------------------------------------------------- FREE Advertising...On My Adboard! Your link will stay on for 7 DAYS! http://goaddr.com/zfn --- FOREWORD : Excuse me for possible mistakes. English is not native language for me. IN THIS ISSUE Top Special Recommendations Editor's desk Paid advertising Home Business Opportunity Subscribers Ads Article: The Dollar Stretcher Names and their meanings: Tamara Work at Home positions Best Sellers Most of you know Google, Yahoo! , Altavista Home Business Opportunity Motivational Tip For The Day More health tips Rent this ezine - sending to over 60,000 mailboxes Smiles Admin section Editors desk *^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^* Hi, Welcome to this weekend edition for all of you This issue goes to over 65,000 mailboxes worldwide. What would you like to see in this newsletter? I'd love to hear your feedback and suggestions; just email them to me at: interval@olteniaonline.ro?subject=obo_feedback If you have sent me an email and haven't received a reply, it could be that it got lost in all the junk that I delete every day. To be sure that I don't miss your email please put the words SUBSCRIBER or obo_FEEDBACK somewhere in the subject line. I usually look at that first Enjoy this issue, and may the sun shine your days. See you next year. Valerian --- Paid advertising *^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^* These are a paid ads. Our advertisers help us to keep this ezine free. Please pay the same respect you would wish for your paid ads. Thank you *^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^* FourPointGroup believes in the concept of enhancing lives. Foster an environment of diversity, mutual respect, support and mentoring. FourPointGroup is dedicated to enrich one's quality of life. We work from the comfort of our homes and enjoy quality time with our families. Email me at: patfrutti@msn.com or call (905)836-1862 --- Home Business Opportunity *^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^* This opportunity will work for you no matter where you live. You could be living in Arizona and doing work for a companies out of Georgia, New York and California. http://goaddr.com/9j3 --------------------- Subscribers Ads *^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^* Russian Proverbs and sayings. http://pskovgo.narod.ru/proverbs.htm --- The Perfect Home Based Business Excellent Offline and Online Market Potential Click Here http://www.watkinsonline.com/omar --- Arthritis rheumatoid http://4arthritis-rheumatoid.blogspot.com/ --- "Download our $147 viral marketing software 100% FREE" for a limited time. Instantly brand your business and benefit from VIRAL traffic. http://www.linkbrander.com/lbrand --- Acid reflux disease http://4acid-reflux.blogspot.com/ --- NOTE: This weekly submission code is "no__snow__February" Send your ad with this code to interval@olteniaonline.ro MAX 3LINES x 55characters, nothing illegal (violence, racism, ...) All ads must comply with the guidelines, policies and laws of the Federal Trade Commission (http://www.ftc.gov ). The first 10 coming ads will run next week in MCF Newsletter and another one will win a Top Sponsor Ad ---------------------- Article: The Dollar Stretcher *^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^* by Gary Foreman Understanding Write-Offs and Foreclosures Could you please give me some idea about charge-off, foreclosure, write-offs? I need to know on what grounds the banks will go for charge-off or foreclosure? What are the advantages of the above three to the bank? It would be great if you can explain with examples. DG ----- DG asks a good question. We hear these terms and wonder what affect they have on the money that we owe. So let's see if we can't shed some light on the question and help DG avoid financial hardship. We'll start with some definitions. For "write-off" we'll turn to the WallingfordCapital.com site. "The act of changing the value of an asset to an expense or a loss. A write-off is used to reduce or eliminate the value an asset and reduce profits." In everyday English that means the lender has decided that one of it's assets isn't as valuable as they say it is on the corporate books. For instance, your promise to pay the bank (car loan, credit card debt, mortgage) is an asset to them. They have it on the bank accounting records as something that has a specific dollar value. Generally it's worth what you owe on the debt. When the bank 'writes-off' part of all of your debt, they're saying that they don't expect you to pay the entire debt. So they're taking part or all of that debt and not counting it as an asset of the corporation any longer. That does two things. First, it reduces the value of the corporation by the amount of the write-down. Second, it reduces the corporate profits by the same amount. That reduces income taxes. OK, so what about a 'charge-off'? For the most part it means the same as write-off. The main difference is that a charge-off is usually a loan that can't be collected. A write-off is often real property (building, vehicle, or equipment) that has lost it's value. One thing for DG to notice is that these are only accounting transactions. They do not release him from his responsibility to pay. Fair Isaacs, the company that started credit scoring, does not say whether a write-off or charge-off has a negative effect on your credit score. But, they do say that not paying back a loan on time does. So being late with your payment is a problem whether the loan is charged-off or not. Ideally, DG would have contacted the credit card company (or whoever he owed the money to) as soon as he figured out that he couldn't repay it on time. Often the lender will agree to a smaller payment over a longer time. If that doesn't solve the problem, DG could consider a credit counselor. By the time the debt is charged-off, DG is in pretty deep. His credit score has been affected. Chances are that all of his credit cards are charging him 'penalty' rates of up to 30%. And, bill collectors are beginning to call him. At that point, if he can't work out a repayment plan, he may need to consider bankruptcy. What about foreclosure? According to Princeton.edu (Princeton University)it is "the legal proceedings initiated by a creditor to repossess the collateral for loan that is in default." Typically, foreclosure is used in reference to real estate property but it can be used for other physical property (your car for instance). Foreclosure, unlike our other words, is not an accounting term. It's a legal term. It means that the company that holds a lien on your property (like a mortgage) has sued you. The suit will attempt to take possession and ownership of the property. In other words, you'll lose your house or car. Once again the credit score is damaged when the payments fell behind. In this case, the foreclosure will lower it some more. Whether the lender has started foreclosure or not, the borrower should take the initiative and contact them if they are having trouble with the payment. The lender may adjust the payment terms. DG asks what triggers the bank to foreclose or write-off a loan. There are all kinds of circumstances, but generally it's when the bank feels that you won't be able to repay the money you borrowed. Trying to predict exactly when a bank will foreclose or write-off is difficult and could be dangerous to your finances. What's the bottom line to all of this? If you can't keep up with your payments, go to the lender as soon as possible and try to work out an easier payment schedule. Often they'd rather lengthen a loan than have to write it off or go through foreclosure. The other option, simply hoping that things will get better while you fall behind, is a sure way to hurt your credit score and perhaps end up in legal troubles. -------------------------------------------------------------------------- Gary Foreman has worked as a Certified Financial Planner and currently edits The Dollar Stretcher website www.stretcher.com You'll find hundreds of free articles to help you save time and money. Visit Today! -------------------------------------------------------------------------- Names and their meanings *^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^* RUDOLPH Gender: Male Origin: German Meaning: Famous Wolf to find more about baby names meaning visit http://names-meanings.blogspot.com/ Work at Home positions *^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^* Verification Agents - US, nationwide Many Languages Needed: Korean, Vietnamese, Spanish, Cantonese, Mandarin, English, French, etc.You can help Veri-Log fight telemarketing fraud and make money from home using your computer. As a Verification Agent, you would listen to recordings of sales calls to determine if the sale was valid or if there is evidence of sales fraud or undue customer confusion. Reply to: job-270223180@craigslist.org --- Positive quotes: Whenever we do what we can, we immediately can do more. ---- James Freeman Clarke "Sophistication and lifestyle is understanding the difference between trinkets and treasures." ---- Jim Rohn Most of you know Google, Yahoo! , MSN, but ... *^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^* In every issue I will recommend one or two not so well known search engines or directories, where you can add your Web site free of charge. If you will do the great job to submit your web site to all those sites, you certainly will get more traffic over time: One of the best search engine from France http://www.citesearch.com/ --- Home Business Opportunity *^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^* Stop Being a Pathetic Loser and Start Making Money http://goaddr.com/9t8 It's as simple as that. --------------------- Motivational Tip For The Day *^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^* by Jan Tincher Do you know what frustration is? In *Awaken The Giant Within,* Anthony Robbins says frustration is an exciting signal and that it's a positive sign. Frustration means your brain believes you could be doing better than you currently are, although you are probably on the right track. So the next time you are frustrated, why not smile and change something? Remember, the solution is within range, you just haven't found it yet. You are close, just keep going. Good luck! ----- Be a success! Let Jan Tincher, Master Neuro-Linguistic Programmer, help you! Great articles, great strategies you can implement immediately! Go here now: http://www.tameyourbrain.com/success/index1.htm -------------------------------------------------------------------------- More health tips *^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^* My Natural Health E-Book. Discover the Amazing Powers of Whole Foods! Over 3,129 Home Remedies using Whole Foods as Medicine. http://goaddr.com/95z --- Acne No More Click Here and Try It You Have Nothing to Lose but Acne http://goaddr.com/9hv --- Weight loss surgery http://weightloss-surgery.blogspot.com/ --- Hair loss remedy http://4hair-loss.blogspot.com/ --- Erectile dysfunction causes and treatment http://4erectile-dysfunction.blogspot.com/ --- Rent this ezine *^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^* Online Business Opportunities offer a high exposure of your ads sending to over 60,000 mailboxes You may see the exact number of our subscribers here http://goaddr.com/9s7 Please visit our site to see our ezine advertising offer http://www.valerianplanet.com/rent.html SMILEs : *^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^* A new jail warden was being shown through the jailhouse by the old warden. Soon, after making rounds around the rest of the jail, they get to the cafeteria. In one corner, he sees a group of elderly men laughing hysterically. Interested, he watches them while the older warden gets his food. One of the men shouts out "63!" and the entire table bursts out laughing. The new warden is totally baffled by the behavior of them. "74!", again a chorus of guffaws ring out. The old warden comes back to the table where the new warden sits staring, and the new warden asks "What are those elderly men doing." --- One day, farmer Jones was in town picking up supplies for his farm. He stopped by the hardware store and picked up a bucket and an anvil, then stopped by the livestock dealer to buy a couple of chickens and a goose. Now he had a problem: how to carry all of his purchases home. The livestock dealer said, "Why don't you put the anvil in the bucket, carry the bucket in one hand, put a chicken under each arm and carry the goose in your other hand?" "Hey, thanks!" the farmer said, and off he went. While walking he met a fair young lady. She told him she was lost, and asked, "Can you tell me how to get to 1515 Mockingbird Lane?" The farmer said, "Well, as a matter of fact, I'm going to visit my brother at 1516 Mockingbird Lane. Let's take a short cut and go down this alley. We'll save half the time to get there." The fair young lady said, "How do I know that when we get in to the alley you won't hold me up against the wall, pull down my skirt, and ravish me?" The farmer said, "I am carrying a bucket, an anvil, 2 chickens, and a goose. How in the world could I possibly hold you up against the wall and do that?" The young lady said, "Easy silly! Set the goose down, put the bucket over the goose, put the anvil on top of the bucket, and I'll hold the chickens!" --- The husband says to his wife, "You always carry my photo in you're handbag to the office. Why?" She says, "When there is a problem, no matter how impossible, I look at your picture and the problem disappears." He smirks and replies, "You see, how miraculous and powerful I am for you?" She calmly replies, "Yes, I see your picture and say to myself, 'What other problem can there be greater than this one?'" --- more jokes http://cool-jokes-online.blogspot.com *^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^* DISCLAIMER: All of the Articles and Ads have been selected for their appropriate content. Please use your own judgment and caution when applying to or for any opportunity that is placed in this Ezine. *^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^* OBO Archives http://archives.zinester.com/5997 Instructions for subscribe/unsubscribe to subscribe: valdinca@xnet.ro?subject=join_mcf If you ever decide to unsubscribe, please use the following link Remember, I will always love you if you let me know why you leave 5997-unsubscribe@zinester.com *^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^* Copyright © 2006 All Rights Reserved Worldwide *^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^*^* That's all folks ! See you on Tuesday. Until then don't take life too seriously. It's not permanent. Valerian Dinca editor |
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February07, 2007 - #291 Online Business Opportunities - Advice For New Managers >> |
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