Debt management strategies

Financial business development requires a great deal of consideration and attention to various issues. Marketing, finance, recruitment, and organization are some factors that play a significant role in setting up a successful organization. In particular, the finances of a company must be well articulated and balanced to ensure that there is constant growth as well as anticipation of losses. Anticipated losses can be mitigated to ensure that the effects are not calamitous to the general financial position of the company. Proper finances require professional knowledge and skills from financiers with adequate experience. It is incumbent upon these financiers or accountants to develop plans and strategies to ensure that the business operations of a company are well balanced with the view of attaining maximum profit.

Financial management includes a wide array of factors, credit or debt management is a significant aspect in developing a sustainable financial management plan. Credit is inevitable in business. It can help grow a business but if not well managed then undoubtedly it can also affect your business adversely. Organizations that lack proper debt management are at risk of insolvency or bankruptcy due to the incurrence of unsustainable debt. Therefore managers must strive to implement strategies that are robust enough to accord credit to customers but at the same time avoid financial crisis occasioned by debt. The following strategies for Pay Day Loan Debt have been used by successful in pursuit of proper debt management.

Balance assets and liabilities

Bankruptcy is a financial position of a business or company that has more liabilities than assets. Therefore things like loans and debt shouldn’t outweigh the assets enjoyed by the company. This is considered to be a cardinal rule in businesses, and skilled accountants must take note every business dimension to ensure that they are well balanced.

Assess creditworthiness

It is prudent for managers to undertake a comprehensive financial analysis of their customers before granting the credit facilities. Such an assessment will determine the suitability of the credit accorded. It will determine the amount, and the period of which is it paid. This analysis could be done through a review of financial statements and endorsement from other creditors. Assurances of the creditworthiness of a creditor will allow you to accord credit to worthy customers.

Hire debt managers

It is plausible to hire credit/debt management companies that are experienced and conversant with the credit dynamics. This will take off this burden from your business and allow you to concentrate on the core functions of the business. Proper debt management and undivided attention to your core business will lead to an increased financial position.


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TAX 2 Finance 

Four Mistakes to Avoid when Filing Returns

Let us face it. The process of tax preparation can be very challenging, and mistakes might end up costing one dearly. Even when working with a tax preparation service, errors can still occur if you fail to provide the preparer with the right information. Avoid the following mistakes when preparing your tax for smooth processing. On a side note, it is recommended to search for the Tax Office Number for HMRC for additional insights that pertain to filing returns.


Filing late

Tax collectors put a deadline because of many reasons. If you decide to ignore their deadlines, then the chances are you will land severe penalties for filing late. Apart from getting stiff penalties, you might face late fees, as well as other sanctions. If you wish to beat the deadline set by the tax collector, then you can hire a local tax preparation service to prepare your returns promptly.


Using inaccurate details

You can avoid simple errors when you double-check your returns. Avoid using inaccurate names. Moreover, pay attention to the social security numbers of dependents because the IRS will not process your returns if there are mistakes in the socials. Make sure that you include the details as they appear on the identification cards. By providing accurate information, you raise the chances of your returns being processed smoothly by the IRS.

Choosing the wrong filing status

CONSULTANT The IRS provides those preparing to file their taxes with five different filing statuses. The filing can make a huge difference in the amount that you part with for taxes, as it will determine the standard deduction, tax eligibility among many other factors. Nonetheless, some people are allowed to use more than a single filing status. For more about the best situation to pick you can contact your tax preparer for more advice.

Failing to pay taxes on social security income

If you are among those collecting social security benefits, it is worth noting that social security payments are taxable. If you fail to pay the taxes, then the IRS will not hesitate to slap you with penalties. In worst scenarios, they will press criminal charges against you. Even if you do not have the money to pay the taxes, you should still file as ignoring to register will also attract more penalties.


Filing tax returns can be an uphill task, and it is easy for taxpayers to make simple mistakes during the preparation of their performances. On the other hand, a tax preparation service has the necessary experience to sidestep these simple errors. Working with a tax prep service provider is the best way to get your tax done accurately.…

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003 Finance 

What You Should Look For In a Surety Bond Provider

A surety bond is an agreement between three parties popularly known as the obligee, principal, and surety. Surety bonds offer financial assurance that the principal will fulfill specific obligations to the obligee. The guarantor is mostly an insurance company or a bond broker who guarantees the obligee financially on for the principal’s benefit. Surety bonds are known to protect public and private interests from the undertakings of a third party. There are several types of surety bonds. A contract surety bond will guarantee that a contractor follows the laid out rules in a construction contract.

We also have commercial bonds which are mainly used to protect public interests and operate under the government’s directive. One example of the001 commercial bond is the utility bond. A utility deposit bond guarantees the timely payment of bills to a utility company. The fidelity surety bond protects an organization against the misconduct of one of their employees who deal with money and valuable commodities. This type of bond should be taken earlier before the start of a contract. The qualifications and amount of this bond may differ depending on the insurance company. There are several bond providers available. You should consider the following when choosing a bond provider.

Proper licensing

The surety bond provider you are looking forward to engaging should have an appropriate license of bonding. They should have permits for the locations in which they offer their bonds. Confirming this will help prove the legitimacy of the whole process which ensures you are on the safe side. Do not forget to verify if they have this proper document.

Online application options

002It is a common thing for most surety bond providers to offer their services through an online platform where you can apply for one. You can also get funds to cater for a claim which will be in the form of a line of credit. A provider with this type of option will make it easy for many who have smartphones and laptops that can access the internet.

Sufficient bond offerings

Bond providers should offer a variety of surety bonds for their clients to pick. There are those who only specialize in one type of bond giving their clients limited options. There are times your needs may change and working with a provider offering may limit you or make you start another process of looking for a new provider offering other options. Work with someone providing different ranges of bonds for flexibility when you want to switch to a new one.…

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How to obtain a title loan with bad credit score

Many financial institutions do not offer loans to borrowers with bad credit score. If you have been in such a situation, you are aware of how frustrating that can be. There are some reasons as to why people get a bad credit score. Some are genuine and unavoidable circumstances. Below are some reasons why you might end up with a low credit score:

  • Being laid off from job which leads to loss of income
  • Medical bills from a family member who is not insured
  • Sudden death of a loved one which resulted to more financial needs
  • Divorce hence splitting households into two
  • Overspending, resulting from high living standards

Auto title loans

Lenders who understand the above, offer people with bad credit score an opportunity to find bad credit title loans near me. As long as you have a car, there is no need to take unsecured loans with very high interest rates. You can use your car as security for your loan. Read on to understand how it works.
You cannot improve your credit score by conventional means. Credit bureaus look at the most recent credit activity to judge your credit score. If you pay the title loan on time, your credit score ratings will improve. If you have already paid off your car loan, or you are almost done paying, you can use it as collateral to qualify a title loan. It gives you a chance to reestablish a good credit score. All you must do is pay the current loan on time.

On the same note, you can use the borrowed cash to pay off other debts like a home mortgage. Missing home mortgage payment could lead to foreclosure which damages your credit score more. This is among the many ways title loans can help you. With right time payments, your credit score will improve and now get loans from conventional lenders.

A reputable lender

To avoid more trouble with loans, it is important to choose a reputable lender. Avoid lenders who aim desperate borrowers with predatory lending practices which will lead you to more debt. You will end up damaging your credit score. It is important to understand that not all lenders have your interests at heart, some are out to make profits anyhow possible. A good lender will offer flexible interest rates and offer total confidentiality. If you are applying for the loan online, it must be an interface where your personal information will be safe.



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Qualities Of A Good Credit Repair Specialists

One of the most important aspects of your financial life is your credit report. This is because before any banks consider your eligibility for loans or any financial assistance, they usually look at your credit report. If your credit score is not that good, it will be difficult to realize your financial dreams since you need that loan for your business. Therefore, to get your credit score to be good so that you get that mortgage that you have been waiting for, you will need a credit repair company. Here are the qualities of a good credit repair specialist so that you can get yourself the best credit repair specialists.

A good system

A good credit repair company should have a system that can also allow you to get access to your credit score progress. You don’t want to pay a lot of money and end up having no idea about whatever is going on with the repair of your credit score. You should, therefore, go for a credit repair company that has an online portal that you can access to track the progress of your credit score from start to finish.

Quality services

This is one of the greatest qualities that a good credit repair company should possess. You want to get value for the money that you are paying to the company for their services. The company should be able to build your credit score within the shortest time possible.

Good customer support

The quality of a company’s services can also be judged by the level of customer support services that it offers. If your credit repair company is top class, it should have customer support both online and offline 24/7. This means that such a company puts the needs of their clients first by keeping in touch with them.

Good ratings

A good credit repair company should have high ratings with financial organizations. For example, you can check if the company has good ratings with BBB. (Better Business Bureau)

Credit bureaus

A good credit company should be working with all the credit bureaus to build your credit score. This is because banks and lenders don’t always use the same credit bureaus when looking at a customer’s credit report. Your credit repair company should be able to report your improving credit score to all the other credit bureaus. This will ensure that no matter which credit bureau your lender decides to use, your credit score will still be good.


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Finding The Best Home Loan Lender

If you want to buy a home, the options for financing the project are numerous. However, people find it an arduous process because they lack information. If you are planning to finance it through a loan, then you will need to use a website that connects you to the best lenders. FHA 203k Loan Lenders website is a good start point for such efforts. They are well connected and will quickly connect you with a lender who will give you the home loan that you seek. Additionally, this quick guide helps any person looking for a home loan to know the best process to follow.

How to find the best home loan lender

Research online

dfgfgfhgfhfghgfhIt is very fortunate that we have the Internet which seems to have almost all answers that we seek. If you take some research online, then you will realize that there are many home lenders in your area. Some are banks while others are independent financial institutions dedicated to giving home loans at specific interest rates.

Use sites that help you find a lender

As mentioned above, there are numerous sites that help people find a home buying lender. The beauty of using such sites is the fact that they even compare their terms and conditions. With a good comparison site, you can rest assured to get an appropriate lender. Make sure that you use a reputable site to avoid being connected bad lenders who are not reliable.

Use referrals

Probably, you already have a friend or relative who has used a home loan lender. They can refer you to such lenders if they are already enjoying their services. When it comes to referrals, make sure that you understand more about their rates and other terms before taking further steps. Additionally, you can find out about their reliability when lending.

Use your work place mortgage plan

fdfgdfgfdgdfgdfgdgSome companies find relevant home mortgage lenders for their employees and take a step further to negotiate good terms. These may include rates, guarantors, and repossession policies. If you are lucky to work for such a company, then you need to embrace these advantages. It is a soft landing for many people looking for a home loan.


With the above options, you can be sure that you will finance your home soon and start living in it. The only effort you will have to make is choosing the right home for you now that the financing part is well taken care of.…

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ghdhgdd764 Loan 

Property Development Loans – Basics And Key Features

Instead of purchasing a new or an already existing house, perhaps you may want to consider building a house of your own. Building and owning a brand-new house brings a host of advantages, such as lower repair costs, higher energy efficiency, and further customization options.

A property development loan

If you opt to build a new house, your first step will be to get a development loan. A development loan is a type of financing that is typically procured by a property developer, with the aim of raising the necessary funds for either a new project or a renovation project.

However, getting a development project can be a rather complicated and frustrating procedure, especially if you are an inexperienced, small developer. In most cases, lenders see this lending form as being quite risky and will seek to alleviate the risks by stipulating rather strict acceptance criteria.

Two separate loans

dhgdhd64A standard development loan typically consists of two separate loans. The first loan comes in the form of a land loan, which provides the funds necessary for the procurement of the land plot that is going to be used for property development. In most cases, this loan provides around 70% to 80% of the land value. It also remains outstanding for the entire duration of the development project. The second of these loans is better known as the development loan proper, which provides the necessary funding for the actual construction of the property. This loan covers everything from the architect drawings and fees to the material supplies and contractor fees. And, just like the land loan, the development loan will be typically valued at around 70% to 80% of the total build costs.

A multi-tiered loan

Also, keep in mind that obtaining a development loan that covers the full extent of the project costs will be very difficult and complex to arrange. However, it could be theoretically possible, by looking to arrange a multi-tiered loan. In this case, one lender will provide the initial outlay, whereas the senior lender will provide a second loan, which will allow for the total cost of the project’s completion.

Renovation loans

If you need a development loan for the purposes of renovation though, the entire process is much easier and simpler. The odds of obtaining a successful loan will rise dramatically. The main reason behind this is the high possibility that the original property, which is going to be renovated, may hold just enough equity to completely underwrite the development loan. This is why many lender establishments view this as a fairly low-risk prospect.

Loan brokerage

hdhdd764Now, regardless of the circumstances, don’t forget to seek quality services of a reputable new build finance broker. Also, keep in mind that any application for a development loan will have to be supported by a plethora of important documentation, which will include a robust business plan, as well as a fully audited account.

An experienced and reputable finance broker will be more than capable of helping you obtain and manage this documentation, while at the same time serving as the main point of contact between the lenders and the builders. Usually, the introduction of a reputable finance broker is one of the main requirements for the procurement of a property development loan. Therefore, when entering a new construction venture, be sure to make this addition to your financial team.…

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bnbnnbnbghgh6766767 Finance 

Choosing The Best Mortgage For Your Land

Choosing the right mortgage will depend upon so many things. Like you have to be sure of the type of mortgage that you want and the one that will best fit all the plans that you have. Once you have an idea of the best mortgage that you need, then it will be so easy to decide the rest of the things. The right mortgage will help in making a decision and narrowing down the so many numbers of mortgages available. When you have selected the right mortgage for your land, then it will be the one that will determine how fully you will enjoy the land. Click here for the loan options for land. Here are factors to consider when you are choosing the right mortgage for your land.

Get prepared


It will be a waste of time if you start shopping and you are not even sure of what you want. So before going to shop for the mortgage have a clear idea of what you want. Something that will fit all the needs that you have should be the first thing that you will have to think off. Needs should be like where you want to leave? The surrounding that you want. It will help a lot in narrowing down the number to the one that has all the needs that you have.

The budget

If you are working on a budget, then you should shop around to have an idea if the mortgage prices. It will be so frustrating if you just go shopping only to get that the money you have will not be enough. Once you have set the needs that you have, it will be wise that you shop around to get a clear idea of the costs available. If you have a clear understanding of the prices, then it will be easy to set the budget.

Inspect the mortgage


The mortgage will determine the kind of land that you will get. So don’t make a mistake of accepting something that you have no idea what it is. If you don’t know of the terms that have been used on the mortgage, you should seek help from a professional so that he will be able to advise you if the mortgage is the best. He or she will be able to tell you if you are getting a good deal or not and what you should request to be changed in the mortgage.…

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Creative Ways For Single Moms To Save Money

It is harder being a mom and also being single. This is because you have to arrange and care for your children and provide for them the required needs. However, being a single mom, you are likely to face some of the financial challenges. That is why you are required to ensure that you know some of the tips of saving some cash. It might be difficult for some of the single moms to save if they do not know some of the factors to consider. However, if you do not know some of the saving tips, it is important that you conduct your research and know some of the saving tips you need to have. Therefore, there are a lot of creative ways for single moms to save money. Single moms, therefore, are required to conduct their research and at least know a few. The following therefore are some of the creative ways for single moms to save money.

1. Be a budget queen

4e56768yigfgdThis is one of the important tips you need to consider when you want to save your money. Ensure that you can control your finances first. This, therefore, means that you need to ensure and know when and how to pay your bills before it is too late. Also, you need to visit some of the websites and know some saving tips and few tools that will help you in budgeting your finance.

2. Examine your house bills

When you want to get on top of your finances, you are required to examine your house bills. This will, therefore, help you to arrange properly and enable you to save the rest. Always, ensure that you know all the services you need to pay at the end of every month and know the exact money you will be paying. By doing this, you will be in a good position of saving your money.

3. When you go shopping

It is essential always to ensure that you have prepared for your shopping before you shop. Always, ensure that you make a shopping list and know the exact amount of money you will use in your shopping. After you have made your shopping, ensure that you review your shopping receipt. By checking your receipt, you will know whether you bought the required items and whether you were charged properly.

4. Be a smart grocery shopper

It is essential to be a smart grocery shopper if you want to save your money. For single mothers, they are advised to buy only required items. However, they should ensure that they do not buy bulk items. This is because these products may expire before they use them. This, therefore, will enable them to save on fancy containers and packaging.w45e6utjfhdgf

5. Teach your children

This is another essential saving tip you should always consider. First, ensure that you teach your kids to save on utilities. This is because your kids may break some and this will make you incur some other expenses. These, therefore, are some of the saving tips you should know.…

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KHUTPAI | 2 | 3 |
Historical Map of The Kangla


The Centre for Organisation Research & Education (CORE), Manipur, India is representative indigenous peoples’ organization based in Manipur, India. The organization has been working in grassroots support and advocacy for the rights of the indigenous and tribal peoples and their organizations in the NorthEast region of India,with particular emphasis on the more than thirty different indigenous and tribal peoples of Manipur. The CORE, Manipur (India), which is actively participating in the debate on the rights of indigenous peoples during the sessions of the Working Group on Indigenous Populations appointed by the Sub-Commission on the Prevention Prevention of Discrimination and Protection of Minorities.


(Weekly Feature)

The Garos :
The Garo tribes are generally supposed to commence with the Nuyas, who are the clan immediately to the west of the Kasias; but the Nunyas are more Kasia than Garo. Their position, occupying the extreme north-western portion of the mountainous tract that extends from Cape Negrais to the Brahmaputra, is well known. By the writers of the days of Buchanan Hamilton, the Garos, Kasias, and Jyntias are spoken of as one people.

Source : Tribal History of Eastern India
Photographed by : Dr. Simpson

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| Acknowledgement | Team | C & P CORE-2002 |…

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