Business Destination Rotating Header Image

power

7 Personal Power Qualities of Influential Women


Personal power makes a woman influential. Her personal power is what is left when other powers (money, position, relational) are lost to her.

Women are learning the value of their personal power. For years, they have invested in the belief of being powerless. Competing desires, thoughts, and feelings interfered with accessing their power. Many times these competing desires included the desire to please or do for others.

For example, you want to stop smoking but can’t resist the relaxation of puffing on a cigarette. Your health depends on it. But you are now wrestling with competing desires. When you give in to the obvious unhealthy choice, your personal power goes into hiding. Personal power increases when you make decisions that support your growth.

Personal power has many features. It puts you in control of your life – accessing the ability to achieve goals – to influence others. Personal power is a woman’s greatest asset, one that grows with the proper nurturing and guidance.

Personal power increases your energy level. Your self-esteem and confidence are proportionate to your personal power. The freer you are, the more you can experience your personal power.

There are 7 qualities that contribute to the success of your personal power. These are the sum total of the influential woman’s personal power.

Communication and relating skills. Are you communicating your opinions and ideas in compelling ways? Do you move people into action?  Do you understand the value of mutuality? Is there a sense of empathy that guides you in connecting to others? Do you solicit the emotions and allegiance of others?
Contribution. Are your accomplishments highly regarded and respected? Do others place a high value on you?
Powerful ideas. Are you thinking outside the box? Do you possess not only insight but foresight into what is needed next?
Focus. Do you operate from a space of passion and dedication to hard work? Are you easily distracted? Do you strive tirelessly for important goals?
Self-confidence. Are you hesitant to speak up on vital matters? Or does the importance of speaking up outweigh any fears?
Dependability. Do you always do what you say you will do? Are you a sought after team member? Can you create alliance and cooperation in the group?
Trustworthiness. Do you speak the truth? Are you honest with your feedback, your commitment and your loyalty?

Your answers to these questions are a good indication of your effectiveness, your attractiveness, and the strength of your personal power. Powerful and influential women cultivate these qualities to increase their influence reach.

Women need to take control over their personal power. And, remember, personal power puts you in charge of your life. History has proven that if you don’t cultivate your personal power someone else will, which may not be in their best interest.

Every woman can reach higher levels of personal power by digging deep, discovering what they need to expand on while purging habits that hold them back. Strengthening your faith in what is possible, and building a personal power base will make you an influence force beyond your imagination.

 

Credit Repair and the Power of Debt Validation

credit repair companies

The Letter of the Law

The correct way to respond to a collection letter is with a written request for debt validation. This is your right under the Fair Debt Collection Practices Act (FDCPA), and if done in a timely and correct manner can produce fantastic results. Let’s start with the law: FDCPA § 809. Validation of debts [15 USC 1692g (b) “If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.”

Timing is Everything

Please note that there is only a 30 day window of opportunity to request your debt validation. Collectors must abide by the laws spelled out in the FDCPA, but these laws only mandate a response for the 30 days following the date of the initial collection letter. Beyond the 30 day window collectors have no obligation to provide the documents that you request and you have lost the opportunity to force compliance. Don’t procrastinate. Your credit is too important.

Why Validate the Debt?

Why request validation of a debt? There are two good reasons that you should request debt validation on every collection letter you receive, even if it looks legitimate. First, how do you know that the collector has the legal right to collect? You don’t! Debt is regularly sold, and just as often re-sold. You may have incurred an obligation with the original creditor, but you don’t know anything about the party that is currently demanding payment. So exercise your rights and ask them to prove that they own the debt. Secondly, how do you know that the amount of the debt is correct? Is the interest calculated properly? Are there other fees added? You deserve to know. As with any other credit repair tool, it’s about exercising your rights!

The Debt Validation Letter

Let’s get to work. Write a letter to the collector. Make it neat. Reference the debt using the identification they provided in the collection letter, such as collector account number, creditor account number, creditor name, etc. Clearly state that you dispute the collection and that according to the FDCPA you demand that the collector provide proof that they own the debt and have the right to collect, as well as proof of the amount owed by providing a copy of your signed credit agreement with the original creditor and a complete accounting of amount in question. Attach a copy of the collection letter, and send it certified mail. If you are not comfortable doing this yourself contact a reputable credit repair company. Most legitimate credit repair businesses offer debt validation as part of their arsenal and will be happy to do this for you.

The Response

What happens next? Once you have sent a debt validation letter to a collector they must satisfy your request with adequate documentation. Ownership of debt may be proven with a contract or purchase agreement transferring the debt to them. The amount owed may be documented with account statements from the original creditor, or a copy of the original signed loan agreement and an accounting of the total. It is never sufficient for the collector to provide their own internal itemization of the debt. In all cases, the documentation should be clear and provide definitive proof of the collectors claim.

Say Goodbye to the Collector

What happens if the collector cannot (or does not wish to) provide the documentation that you request? If they can’t comply …they can’t collect, they can’t contact you, and they can’t report the collection to the credit bureaus. It’s that simple. And it is likely that you will never hear from them again.

An Important Note

Our credit repair clients occasionally express concern that if the collector is pushed too hard they will send a summons and attempt to get a judgment. It is not legal for a collector to take any additional steps to collect, including getting a judgment, until they have satisfied their obligation under the FDCPA. If you receive a summons after challenging a collector with a debt validation letter you will need to appear in court with proof that you requested validation. Going to court is not an attractive option, but if you kept proper records and appear with your certified mail receipt you will prevail.

Copyright © 2007 James W. Kemish. All Content. All Rights Reserved.

Jim Kemish, a nationally recognized Florida mortgage company based in Delray Beach, Florida.


Article from articlesbase.com

Secured Car Finance – Get Approved for Your Car

Secured Car Finance – Get Approved for Your Car

Secured car finance can avail you both new car finance and used car finance. But this type of car finance needs a property for security purpose. This property is valued as you are financing for your car. This means if you are financing for new car then the loan amount will be higher than financing for a used car. The collateral will be as high as your loan amount. It plays a major role in secured car finance and is a guarantee for good return for your car finance.

Secured car f (more…)