Monday, August 19, 2019

Debt Consolidation With Keel Associates Can Reduce Debt And Raise Your Credit Score

Debt is a part of pretty much everyone's life. Whether it be a financed car, home, boat, credit cards, or all of the above, we all have some debt. It's easy to get over your head with debt but luckily, there are solutions!

While many folks turn to bankruptcy, that's not always the best option as it stays on your credit file for seven years. If you have already found yourself in a hole that seems irreversible, bankruptcy is not your best option. As succinctly states:

Filing for Bankruptcy Doesn’t Help Your Credit at All 

"When you file for bankruptcy you’re giving your credit the death penalty. The bankruptcy and all of the accounts included in the bankruptcy will appear on your credit report for the next 7 years. Even a few years down the road creditors will see you as high risk. You’ll have a hard time getting new lines of credit, or loans for many years. Most people understand this, however they’re told they have no other options and that they have to file bankruptcy if they can’t pay their debts. False! 

Your credit will recover faster if you don’t file bankruptcy

 If you do not file for bankruptcy and just ignore the collection agencies, the credit damage you suffer will actually be less than filing for bankruptcy. Unpaid delinquent accounts are just as bad for your score as delinquent accounts that are included in a bankruptcy are. In fact, accounts included in bankruptcy are far worse than a regular unpaid collection. You may think that $50,000 worth of collection debt is what is hurting your score and by filing bankruptcy that unpaid debt will go from $50,000 to 0. It’s true the balances will show a zero balance, however unpaid collection debt is not included in the credit scoring algorithm. It’s the 15 collection accounts that are hurting your score, the number of collection accounts is what impacts your score, not the balances. This is why paying collections does NOT improve your credit score." 

 How Can Keel Associates Help Me?

Keel Associates provides low interest rate debt consolidation loans. They break down all of your debt and work closely with you to help find solutions and the best rate to accomplish your goal of lowering your debt thereby raising your credit score. They combine all of your debts so you can make one monthly payment to pay off all debt, sometimes lower than all of the payments you are making individually. They are committed to providing their best services and encourage you to meet your goals. It truly is the better option in paying off your debt and the extra help you receive from Keel Associates will get you right back on track! It's so simple and affordable, it's almost impossible not to try!

Have you ever tried debt consolidation? What was your result? I'd love to hear your story in the comments below!

Friday, August 16, 2019

A Portable Juicer Blender Perfect For Wellness

I have been on a health and wellness mission for almost three years now. I have lost over 60 pounds on my journey and while I have hit my plateau, I also haven't gained any weight back!

I've been trying lots of new things and finding that they aren't even as close to being awful than I thought. I had heard from many folks that a good juicer or blender would help in my weight loss and so I started looking all around for the perfect one.

Luckily, I found it!

This blender is so easy to use! It charges with a usb cord and once charged you can use it anywhere! I decided to test it out with the fruits and yogurt you see above. I added the ingredients and got to blending:


As you can see, it blended quite nicely and I could not wait to give it a try. Luckily, it comes with a cup attached to the top that fit the entire contents! There is also a top you can use should you not finish the entire thing.

As you can see, I finished all of the deliciousness

So, if you are looking for a whisper quiet portable blender you can use at your desk or anywhere, this is definitely the one! If you click the image below, you can own one, too!

Do you use a juicer to meet your fitness goals?

Friday, August 9, 2019

How Knowing Your Net Promoter Score Benefits Your Business

The most important thing for business is being able to track your return on investment (ROI). There are many tools that companies use today that can estimate customer satisfaction. Today I'm going to talk about one of the easiest Net Promoter Score tools to use. 

What is a net promoter score? According to Wikipedia, it is defined as such:

                     "...a management tool that can be used to gauge the loyalty of a firm's customer relationships. It serves as an alternative to traditional customer satisfaction research and is claimed to be correlated with revenue growth. The tool aims to measure the loyalty that exists between a provider and a consumer."

A Net Promoter Score, or NPS, basically tells the company how loyal customers are to the brand, what they like and don't like, and how the business can improve. NPS measures from -100 to 100. The negative numbers indicate a need for improvement while a positive score means you have happy customers! Once you have the data from your customer satisfaction surveys, you can calculate where your Net Promoter Score lands. 

 The NPS Calculation

Calculate your NPS using the answer to a key question, using a 0-10 scale: How likely is it that you would recommend [brand] to a friend or colleague?

Respondents are grouped as follows: 
  • Promoters (score 9-10) are loyal enthusiasts who will keep buying and refer others, fueling growth.
  • Passives (score 7-8) are satisfied but unenthusiastic customers who are vulnerable to competitive offerings.
  • Detractors (score 0-6) are unhappy customers who can damage your brand and impede growth through negative word-of-mouth.

Subtracting the percentage of Detractors from the percentage of Promoters yields the Net Promoter Score, which can range from a low of -100 (if every customer is a Detractor) to a high of 100 (if every customer is a Promoter)."

Commerce is always moving and business is always open now in our new market, thanks to the advent of the internet. Your product is available for purchase twenty four hours a day, seven days a week. When you start to see fluctuations in growth, you might want to start sending your customers a customer satisfaction survey to fill out. Encourage comments and communication. The most important thing you will want to accomplish once you have calculated your NPS is turning those passive customers into promoter customers! Once you can see the numbers, you will know your next step.

As you can see, knowing your Net Promoter Score benefits your business by letting you know where your company is strong and where it could use work. You are hearing directly from your customers what they like about your product, while also learning what they don't like. Once you calculate your NPS, you can open your business to expansion and growth! There are many different software tools available online, I prefer the Net Promoter Score tool found here, if you would like to get started. 

Do you know your net promoter score?