The basic principles used successfully by brick and mortar storefronts in moving your potential clients through a successful sales process is also the most effective way on the web. - Read more

When I pay off a past-due account, such as charge off or collection account, it will show “paid” and will no longer be negative. It is practically impossible to restore your credit without somehow satisfying your outstanding debts. However, the act of paying off a debt actually hurts your credit. Negative credit is allowed to stay on the credit report for a maximum of seven years, except for bankruptcy which may remain up to ten years. This seven year clock begins ticking on the “date of last activity,” or, in other words, when the last action took place on the account. By paying an outstanding, delinquent debt you will change the account status to “paid collection,” “paid was late,” or “paid was charged off”– which will stand out as a very negative listing. Furthermore, you will create a new date of last activity on the day you settle the account. The seven year clock will reset and begin all over again. - Read more

It is best to assume that with spoken language, simple is better than complex. Since we are unable to recapture or replay our spoken words, we hope that they will be correctly interpreted the first time they are heard. Unfortunately, spoken words can be the most misread and misinterpreted form of communication, and therefore, can be a great hindrance to effective persuasion. When you’re in a persuasive situation, use simple, direct, and concise language, rather than fretting about how eloquent you’re sounding. If you are preoccupied, you’ll miss a lot of important cues. Moreover, complex language may not effectively deliver your point. - Read more