Are you in over your head?

Are you in over your head and don't know where to turn?  Many people are looking for relief from their debt.  You are not alone.  


A debt relief company can be a vital lifeline when trying to deal with a financial hardship such as medical bills, job loss or divorce.

I recently looked into a program with Sheila Cockburn.  She is with the law office of Cockburn & Associates, llc.  I was intrigued by Sheila because of the various choices available all in one place.    From debt consolidation, debt relief and yes, even bankruptcy... and more choices still.

The main thing to remember is that you don't have to deal with your debt alone.  Consider Sheila Cockburn, a professional, who can get things done for you.

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debt relief

Many people in this economy are struggling with the amount of their current debt.  There are good companies that can help relieve your stress when it comes to your debt, like  the Law Office of Cockburn & Associate LLP located in Canada.  Sheila Cockburn is an experienced attorney at Cockburn & Associate LLP who will help you throughout the process with a customized plan to debt freedom.

After enrolling in the debt settlement program, Sheila works with your creditors to reduce you total debt.  And rest assured that your private, personal information will be kept confidential.  Since every situation is unique, Cockburn & Associate LLP reviews your situation and tells you how much you can save.

In these hard times, it is nice to have companies that are safe and easy to work with

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Rainy Day Fund

I think it is time for me to find new electricity providers. the one that I am currently with is breaking the bank. Last month, our energy bill was so high that we had to actually tap into our savings so that we could afford to keep the lights on. I am so glad that we had money in savings for an emergency like this. I think that it is important to always keep some money tucked away for a rainy day. 

The Author of this post is Solomon Dejesus

You never know what may happen and you may have to tap into that rainy day fund. People get sick, cars break, appliances need servicing or a myriad of other things. We have been saved by our little bit on more than one occasion. Last year my car needed a new transmission and it would have been impossible for us to come up with thirty five hundred on the dime. However, I hate that we had to spend it on a monthly bill, I would rather keep that money in savings for a real emergency.

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Make Money with Keen.com

Keen®, Your Personal Advisor, provides live, immediate advice for your everyday life. At  KEEN, you browse the listings of people selling their advice to find the right advisor for you. After choosing an advisor, you'll be connected to that person live over the phone. Your privacy is ensured because Keen makes the call--your phone number and other personal information are never revealed.

Anyone with knowledge and advice to share can become an advisor by selling what they know, on topics ranging from personal advice to computers and taxes. Advisors can create listings (on the website) and personal greetings (on the 800 number) to describe the information and advice they have to offer. Advisors set their own per-minute fee for each listing they create, keeping 62%.

Quality advice is ensured through Keen's consumer-based feedback and rating system, as well as through the credential verification service.

Concept: Get Paid to Advice Online and Make Money in Home

Availability: No geographical restriction, anybody can join.

Payment Type: You'll receive payment via Express Pay, direct deposit or check.

***** Your first 3 minutes are FREE - so call Lauralei22 and she can read your tarot cards or tell you how to make money with Keen.  CLICK HERE

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Work From Home at a Virtual Call Center

I work from home as a CCP for a Virtual Call Center - I is a great way to make extra money - you can work for a company as an employee and get paid by the hour, work for a company as an independent contractor and get paid for the minutes you are on the phone.

Alpine Access

Put me as a reference Laura Ludwig - and send me an email so I can put a good word in for you lauralei143@gmail.com

Position type: Employee
Costs: $45 background check; possible equipment costs; more on home offices for call center jobs.
Duration, hours: Requires a minimum commitment of 20 hours per week with up to full-time available
Home-based agents take in-bound customer service and sales calls for various clients. Reps are paid an hourly rate of around $9 and training is paid. Only after a position is offered, applicants pay $45 for a background check. Hiring process for these call center jobs is online and by phone. It includes a pre-interview screening with a technical skills test, voice audition and phone interview. Bilingual skills a plus; languages include Spanish, Mandarin and Cantonese

1-800-FLOWERS

Position type: Employee, temporary
Costs: No fee; possible equipment costs; more on home offices for call center jobs.
Duration, hours: Full time, temporary
Geographic restrictions: Must live in the following states Arizona, Delaware, Florida, Illinois, Montana, New Hampshire, New Mexico, New York, Ohio, Oklahoma, Oregon, Texas
New York-based floral company regularly hires for at-home call center jobs on a temporary basis for seasonal employment. It does occasionally hire permanent (particularly bilingual), at-home call center agents as well. The 1-800-FLOWERS.COM’s customer contact call center handles calls for other brands such as Cheryl & Company Gourmet Cookies, The Popcorn Factory and Fannie May Chocolates. 

Accolade Support Call Center Services

Position type: Independent contractor
Costs: Possible equipment costs; more on home offices for call center jobs.
Duration, hours: Full time, part time
Geographic restrictions: United States
Hires technical support agents for work at home call center jobs doing desktop troubleshooting and software support. Pay is $10-$12 per hour. Apply by emailing resume.

Advanis

Costs: No fee; possible equipment costs; home offices for call center jobs.
Duration, hours: Must be able to work during these hours: Monday through Friday 3 - 10 pm MST (5 - 12 pm EST) and Saturdays 10 - 5 pm MST (12 - 7 pm EST)
Geographic restrictions: Must live in Canada for call center jobs. Considers residents of other countries for mystery shopping.
Canadian market research company based in Edmonton, Alberta hires for virtual call center jobs and mystery shopping jobs. Call center agents perform surveys (selling). Being bilingual in French or Spanish is an asset. Paid train, set wage. 

AdviseTech

Costs: Possible equipment costs; home offices for call center jobs.
Duration, hours: Looking for people available 2-6 hours per week
IT solutions provider hires for work at home call center jobs. Experience with PCs in a business setting required.

Affiliated Computer Services, Inc.

Position type: Employee
Costs: Possible equipment costs; home offices for call center jobs.
Duration, hours: Part-time
FORTUNE 500 company, owned by Xerox, provides business process outsourcing (BPO) and information technology solutions. Company offers part-time employment (paying $10/hr) for home call center agents, bilingual (Spanish) preferred. Use "work at home" a keyword in company's careers database.

Alpine Access

Put me as a reference Laura Ludwig - and send me an email so I can put a good word in for you lauralei143@gmail.com

Position type: Employee
Costs: $45 background check; possible equipment costs; more on home offices for call center jobs.
Duration, hours: Requires a minimum commitment of 20 hours per week with up to full-time available
Home-based agents take in-bound customer service and sales calls for various clients. Reps are paid an hourly rate of around $9 and training is paid. Only after a position is offered, applicants pay $45 for a background check. Hiring process for these call center jobs is online and by phone. It includes a pre-interview screening with a technical skills test, voice audition and phone interview. Bilingual skills a plus; languages include Spanish, Mandarin and Cantonese

Amazon.com

Position type: Employee
Costs: No fee; possible equipment costs; more on home offices for call center jobs.
Duration, hours: Part-time
Geographic restrictions: WV, KY, WA, ND, NY
Search "CSA" or "work from home" in Amazon's job database. Jobs pay $10-11/hour.

Apple at Home

Position type: Employee
Costs: Possible equipment costs, however Apple provides a computer and phone.
Duration, hours: Part-time with the possibility of full-time during busy periods
Geographic restrictions: Office must be within 100 miles of specific cities in AZ, CA, FL, GA, LA, MO, NM, NV, OH, OK, TX, UT, and Ontario. Students must be enrolled in the college from which Apple recruits, which are in the states listed above.

Apple at Home is a work at home call center program from Apple that hires both college students and non-students. It is part of the company's AppleCare department. Use the keyword "home" in the company’s job database.

American Express

Position type: Employee, independent contractor
Costs: Possible equipment costs; more on home offices for call center jobs.
Duration, hours: Full-time, part-time
Geographic restrictions: U.S., U.K., Canada and Australia
American Express hires virtual travel agents and call center agents with experience in reservation systems. Bilingual agents needed also. Use "virtual" "telecommute" or "work at home" as keywords to find a job online in its 

Cloud 10

Position type: Employee
Costs: Possible equipment costs; more on home offices for call center jobs.
Duration, hours: 32-40 hours per week
Hires telephone customer service reps, sales agents and technical support people for work at jobs. Paid training.

Convergys Home Agent Program

Position type: Employee
Costs: Possible equipment costs; more on home offices for call center jobs.
Duration, hours: Schedules with 16 to 40 hours per week available 
Geographic restrictions: Most U.S. states, Canada and United Kingdom
Virtual call center agents receive incoming calls and provide services that may include customer service, sales or technical support. Convergys offers paid training and benefits.

Cox Communications

Position type: Employee
Costs: Possible equipment costs; more on home offices for call center jobs.
Geographic restrictions: Arizona
Cable and telephone company allows some Arizona-based customer service reps (CSR) to telework. Unfortunately the a search of work at home keywords in its jobs database doesn't necessarily does return results. Better to find CSR jobs then to see if telecommuting is allowed.

CRUISE.COM

Position type: Employee
Costs: Possible equipment costs; more on home offices for call center jobs.
Internet cruise seller hires home-based call center agents for sales positions. Bilingual in Spanish required for some positions.

Denihan Hospitality Group

Position type: Employee
Costs: Possible equipment costs; home offices for call center jobs.
Geographic restrictions: Must train in NYC office before working from home.
New York City-based hotel management and development company whose brands include The James and Affinia Hotels hires work from home reservation agents.

Enterprise

Position type: Employee
Costs: Possible equipment costs; home offices for call center jobs.
Duration, hours: Full time
Geographic restrictions: Must live in Missouri, Oregon or Utah.
Car rental company offers remote call center positions for reservation agents for Enterprise Rent-A-Car, Alamo Rent A Car, and National Car Rental. On-site training is required. Call center training locations are in St. Louis, MO, Eugene, OR, and Salt Lake City, UT. Pay starts at approximately $11/hour.

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Get Paid to be an E Juror

I have recently signed up at a few sites where you can be a juror and actually make some money.

Just like on the the courtroom programs on TV, but you can make money while determining verdicts as an online juror. Lawyers deciding whether or not to accept a case or looking for preliminary feedback on cases they're currently handling use various web sites as a cost-effective tool for research and focus groups before heading into a real courtroom.

Sites including eJury.com, OnlineVerdict.com, and TrialPractice.com pay nominal fees to home-based e-jurors, ranging from $10 to $60, depending on the length of the e-trial.  It seems to be worth a try.

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he Risky Business of the Foreign Exchange Market

There is no doubt that the foreign exchange market is a risky place. This is because it is all about risk. Banks and other institutions trading in Forex online must learn how to assess, price, and manage risk -- their success in the foreign exchange market depends on it.
One of the risks of trading foreign exchange is called market risk. The Federal Reserve Bank of New York defines market risk as the price risk or exposure to price change. When it comes to market risk, dealers in foreign exchange may face exchange rate risk and interest risk. These are defined as risks of adverse change in a currency rate or in an interest rate. In order to stay on top of the latest forex tips it is important to understand all of the risk involved. Generally, the risks involved in trading foreign exchange are no different from those in selling other financial products. In addition to market risk, other risks that apply to forex trading via Etoro and other online software include credit risk, liquidity risk, legal risk, and operational risk.

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