Many people think they’re getting a great deal on an inkjet printer, only to find out later that the money they saved is minimal compared to how much they have to spend for ink cartridges. This indeed, is one of the tactics printer manufacturers use to make a profit. Oftentimes, they’ll sell a printer at a loss, only to more than recoup their losses later by selling highly priced printer ink cartridges. By that point, the consumer has no choice but to buy the cartridges in order to keep using their printer. In a sense, the consumer is therefore trapped, and has no choice but to shell out the money.
However, it does not necessarily have to be this way. While it is true that buying brand new cartridges from the printer manufacturer can incur a high cost, there are certain alternatives to this. One is buying used cartridges that have been refilled. These cartridges usually sell for much less, and are usually just as reliable as the real thing. Many people hesitate to buy recycle cartridges, but I believe you should try this technique at least once before making up your mind. One caveat, however, is that you should be buying your used cartridges from well-known outlets such as Supplies Outlet or 4inkjets.
A second thing you can do is buy something known as a compatible cartridge. These cartridges are actually new, but not manufactured by the original company that sold the printer. The end result is that you get a brand new cartridge that functions just like a new one, at a lower cost. Be aware, however, that some printer warranties may be voided if you use a compatible ink cartridge. This isn’t always the case, however, so you’ll need to do some research to determine what the exact terms and conditions are for your printer model.
Just about everyone these days has attending a web conference. They are highly popular means of disseminating information, and used widely not just by companies for internal meetings, but to run huge online seminars as well. Because of its cost effectiveness and ease of use, it has in many ways supplanted traditional meetings.
But web conferences, like everything else, has its shares of pros and cons. In this article, I will outline what I see as some of the benefits as well as disadvantages of using web conferencing technologies like GotoMeeting. Hopefully, this will help you decide when it’s best to use a web conferencing solution, and when a face-to-face meeting may be preferable instead.
Let’s start with the pros:
Web conferencing is cheap.
Compared to the cost of setting up a traditional meeting, which would include travel costs, food and beverages, and other expenses, web conferencing is just a fraction of the cost.
Since people have no need to leave their homes, web conferencing is undoubtedly convenient.
It can be recorded easily.
While it’s possible to record a traditional meeting as well, for most web conferencing tools like GotoMeeting, recording the meeting just involved a click of a button.
There are, of course, disadvantages to web conferencing as well:
It is highly impersonal.
Say what you will, but you do not connect to people very well in a web conference. If developing close, personal relationships with a client is important, then I would not recommend using web conferencing tools, at least not at first.
It is difficult to get a feel for the audience’s level of involvement.
In a web conference, you can’t get visual cues from the audience such as interest or boredom.
There is definitely a time and place for web meeting tools, however, I believe some businesses rely too heavily on them. There is still something to be said for personal interaction, and unfortunately, the Internet seems to be making such interactions more and more rare.
Is there a ton of debt on your plate? Do you feel buried by these obligations? If this is the case, then know that you may want to learn about debt consolidation. There is much to know concerning debt consolidation, so keep on trucking to find out more.
When looking at which debt consolidation agency to go with, you should look at the long term. You want a company that is willing to work with you later on as well as in the short-term. Some offer services and classes to help you avoid needing such a loan again.
Never select a debt company simply because they claim non-profit status. Non-profit does not mean great. Instead, look up the company on the BBB to determine if you want to do business with them.
A personal loan is often an effective way to consolidate many high interest debts. Get in touch with lenders and ask about possible interest rates. If you need to, you can use your car for collateral. But always make sure you have a plan to repay this loan.
Figure out how to formulate your own consolidation interest rate. A fixed rate of interest is usually your best option. You know exactly what you are paying for the entire life cycle of the loan. Watch for debt consolidation that has adjustable interest. Often, they’ll lead to you paying much more for your debt over time.
Don’t borrow from pros that you don’t know anything about. Loan sharks prey on your desperation. Choose a lender who is reputable, trustworthy and comes highly recommended.
When you go into a debt consolidation program, you need to understand how you got into financial problems and how to avoid them in the future. After all this, you would not want to find yourself in the same position once again. Consider what mistakes you have made and how you can ensure they don’t repeat themselves.
Take out a loan to pay off your outstanding debts; then, call your creditors to negotiate a settlement. You may be surprised to learn that the average creditor will settle for far less than you owe, and sometimes that amount is as low as 65%. Not only does this not hurt your credit score, it might even boost it!
Try finding a good consumer credit counselling office in your area. These places will allow you to get help with your debts and may get every account put into one. Using a service that offers consumer crediting counseling isn’t going to damage your credit as much as a debt consolidation service.
The “snowball” strategy can help you pay off your debts without a loan. Pick the creditor who charges the highest interest, and pay that debt down quickly. Pick your next highest card, and add the amount you were paying on the first card to the amount you usually pay on this second card in order to get this one paid down fast too. This may be one of the best options for many people.
See if there are individualized options for payments within the debt consolidation company that you like. Companies often promote a strategy that can fit everyone’s needs. However, you need to watch this because your debt consolidation should be individualized. Seek out an organization that offers payment plans tailored to the individual. Although these may appear more expensive in the beginning, they actually will save you money in the long run.
Always look out for fees from debt consolidation services. Each of these fees should be explained and included in a written contract. Make sure you inquire about how much each creditor will be paid each month. There should be a payment schedule that the company can provide to you that shows the breakdown.
A good debt consolidation company will offer help on how to handle finances, create budgets and avoid future financial mistakes. Enroll in these classes and make improvements on your financial predicament. If you’re not offered these things by your debt consolidation provider, seek out a different one.
When you know who you need to pay, get the details of the debt. The details should include the amount you owe, the payment amount, the date you payment is due and the interest rate. These are necessary points of information for debt consolidation.
You can deal with debt in many different ways. If you think that debt consolidation is a good option, apply the tips from this article to find a reliable professional who can help you. That option has helped a lot of people get their financial life back on track.