Disputed debts are a pain! Every Credit Controller would agree that the time taken to deal with disputes on the aged debt is time which could be spent calling the customersclients who do pay or the larger accounts where their group targets will be hit and a nice bonus is their's for the taking. However Cheap Jerseys Wholesale , no debt should be ignored. Take a look at your aged debt today with your Credit Controller or indeed your team. If there are any debts over 60 days ask them why. If the answer is 'well that's disputed' you have a problem. A worthy Credit Controller loves and nurtures and takes pride in the aged debt that is presented to them because it is a reflection of themselves and their performance. Disputes are dealt with quickly and treated like the parasites they really are and are swatted away because they do affect your cashflow and so will lazy Credit Controllers.
Persistence is the key to keeping that aged debt and your cashflow healthy. Why not visit our website and subscribe to our newsletter which gives you tips on dealing with disputes.
About the author: After 20 years in debt collection we wish to dispel the myths and help you to maintain your cashflow and overdue debtors with ease. Our articles are aimed to assist you in this process and you can obtain further hints and tips by visiting our website. The business of banking has changed dramatically over the last decade. Because the cost of doing business the old-fashioned way is no longer effective, banks are interested in changing their customers' behavior by encouraging electronic banking alternatives whenever possible. They have done this by charging high fees for services that were once free. If you pay $200 or more in annual fees for banking, it's time to do some competitive shopping.
Before becoming furious with your bank, it may be that the products you're using no longer meet your personal needs. If you have an established relationship with your bank Cheap Jerseys Free Shipping , inquire about the other types of lower-cost checking and savings account products.
Understanding the rationale of why a bank charges fees for different services will allow you to be a savvy banking customer. If human contact is required to serve you, such as a teller or personal banker, this is very expensive for the bank. The incentive is for banks to encourage more high-tech, "low-touch" methods of meeting your needs. This is accomplished by servicing as many customers as possible with automated telephone services Cheap Jerseys From China , cash machines and online self-service banking.
Since the bank needs to train their employees, provide a paycheck and benefits, pay for the branch building and in some cases supply uniforms, etc. Cheap Jerseys China , it is conceivable that your one banking transaction per pay period could cost the bank $3 or more.
If you conduct your banking via an automated telephone system, the cost of this type of transaction is much less expensive. However, if you then require assistance from a telephone banker, the price goes from $1 for the automated process to as much as $2 for human contact. For the same reasons stated above Cheap Jerseys , the training, location, computer equipment, etc. becomes more expensive when human interaction is needed.
Now it is clear why electronic banking methods are preferred by financial institutions. In fact Wholesale NFL Jerseys , most banks are rewarding their customers with lower fees the more the customer does hisher banking electronically.
For example, even though Automatic Teller Machines (ATMs) cost the bank around $100,000 each plus the cost of the computer network and maintenance, the cost of these types of transactions drops to between $.50 to $1 each. Not only are these machines more cost effective Wholesale Jerseys China , the 24-hour availability to customers is very convenient. With the ease and convenience of automatic clearing house (ACH) payments, this "checkless" process drops the price to around $0.25 each.
And finally, the Internet drops the expense even further to less than $0.10 a transaction. I realize that there is still some fear of banking electronically, but the security that banks have instilled with computer technology far surpasses the current security of traditional banking methods. If you lose your checkbook and wallet Wholesale Jerseys , the cost and worry of canceling these checks is very tedious. It's very possible that a thief could forge your name and deplete your accounts in a matter of hours.
The sophisticated computer technology, however, although not perfect, has a far more secure system to protect you and your money. Avoid being the bank's best customer. Attempt to cut your annual bank fees in half by educating yourself. Inquire about the options and products available to you with your banker. By asking about the alternative banking methods Cheap NFL Jerseys Online , you may find that your bank fees will drop considerably.
ABOUT ONE PAYCHECK AT A TIME, INC.
One Paycheck at a Time Inc. is the leading source for sensible debt reduction solutions. Its products include the One Paycheck at a Time paperback (ISBN: 1591133327), as well as an ebook format, and the eTools program. The author of the book and president of the company Cheap NFL Jerseys Wholesale , Kimberly A. Griffiths, has been through the vicious cycle of debt herself and has made it her personal goal to share her experience to help others. More information can be found about the company and its products at Skoda is an automaker whose origin is from Czech Republic. But presently the car manufacturers have been bought off by the world known Volkswagen. Many of the designs are inspired by the Volkswag