Kick Start Your Mentor Program and Stop the Bullies! – Kids
Kick Start Your Mentor Program and Stop the Bullies!
Pau;a McCoach
Whining about bullying and how rotten the bullies were and the poor students that they bullied used to be one of my regular activities. "We have to do something to help these kids" both the bullies and their victims," I would whine. But for years, I just talked to these kids and sent them on their way. After I got sick and tired of being sick and tired of talking about this - I did do something! I started a mentor program for these students!
Behavior referrals, grades, social problems, and poor achievement were our starting criteria for being in the program. Almost every staff member in the building had 2-3 mentees - everyone from the administration, teachers, and counselors to the educational assistants, cafeteria workers and custodians. Over 150 students were in that mentor program which began in 1998.
Each mentor was given a mentor folder with a permission slip, a brochure about the program, a profile sheet, and tips on being a mentor, a pencil and a "Welcome Back to School"card. The profile sheet identified their mentees, homeroom teacher, grade, birthday, and area of concern. Also included in the packet was a birthday card and pencil for the mentor to give their mentees.
Giving gifts was left of to the discretion of the mentor. Some mentees came to expect gifts and the purpose of the mentor relationship was diminished. The kids came to expect them and thought that they were
Stop Debt Collectors – Mortgage
Stop Debt Collectors
Omar M. Omar
Can you stop debt collectors . . .You better know you can
You can stop debt collectors under the law provided by the Fair Debt Collection Practices Act. If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor."
If you fall behind in repaying your creditors, or an error is made on your accounts, you may be contacted by a "debt collector." You should know that in either situation, the Fair Debt Collection Practices Act requires that debt collectors treat you fairly and prohibits certain methods of debt collection. Of course, the law does not erase any legitimate debt you owe.
What debts are covered
Personal, family, and household debts are covered under the Act. This includes money owed for the purchase of an automobile, for medical care, or for charge accounts.
Who is a debt collector
A debt collector is any person who regularly collects debts owed to others. This includes attorneys who collect debts on a regular basis.
How may a debt collector contact you
A collector may contact you in person, by mail, telephone, telegram, or fax. However, a debt collector may not contact you at inconvenient times or places, such as before 8 a.m. or after 9 p.m., unless you agree. A debt collector also may not contact you at work if the collector knows that your employer disapproves of such contacts.
Can you stop a debt collector from contacting you
You can stop a debt collector from contacting you by writing a letter to the collector telling them to stop. Once the collector receives your letter, they may not contact you again except to say there will be no further contact or to notify you that the debt collector or the creditor intends to take some specific action. Please note, however, that sending such a letter to a collector does not make the debt go away if you actually owe it. You could still be sued by the debt collector or your original creditor.
May a debt collector contact anyone else about your debt
If you have an attorney, the debt collector must contact the attorney, rather than you. If you do not have an attorney, a collector may contact other people, but only to find out where you live, what your phone number is, and where you work. Collectors usually are prohibited from contacting such third parties more than once. In most cases, the collector may not tell anyone other than you and your attorney that you owe money.
What must the debt collector tell you about the debt
Within five days after you are first contacted, the collector must send you a written notice telling you the amount of money you owe; the name of the creditor to whom you owe the money; and what action to take if you believe you do not owe the money.
May a debt collector continue to contact you if you believe you do not owe money
A collector may not contact you if, within 30 days after you receive the written notice, you send the collection agency a letter stating you do not owe money. However, a collector can renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount owed.
What types of debt collection practices are prohibited
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact.
For example, debt collectors may not:
use threats of violence or harm;
publish a list of consumers who refuse to pay their debts except to a credit bureau;
use obscene or profane language; or
repeatedly use the telephone to annoy someone.
False statements. Debt collectors may not use any false or misleading statements when collecting a debt. For example, debt collectors may not:
falsely imply that they are attorneys or government representatives;
falsely imply that you have committed a crime;
falsely represent that they operate or work for a credit bureau;
misrepresent the amount of your debt;
indicate that papers being sent to you are legal forms when they are not; or
indicate that papers being sent to you are not legal forms when they are.
Debt collectors also may not state that:
you will be arrested if you do not pay your debt;
they will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so; or
actions, such as a lawsuit, will be taken against you, when such action legally may not be taken, or when they do not intend to take such action.
Debt collectors may not:
give false credit information about you to anyone, including a credit bureau;
send you anything that looks like an official document from a court or government agency when it is not; or
use a false name.
Unfair practices.
Debt collectors may not engage in unfair practices when they try to collect a debt. For example, collectors may not:
collect any amount greater than your debt, unless your state law permits such a charge;
deposit a post-dated check prematurely;
use deception to make you accept collect calls or pay for telegrams;
take or threaten to take your property unless this can be done legally; or
contact you by postcard.
What control do you have over payment of debts
If you owe more than one debt, any payment you make must be applied to the debt you indicate. A debt collector may not apply a payment to any debt you believe you do not owe.
What can you do if you believe a debt collector violated the law
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, you may recover money for the damages you suffered plus an additional amount up to $1,000. Court costs and attorneys fees also can be recovered. A group of people also may sue a debt collector and recover money for damages up to $500,000, or one percent of the collectors net worth, whichever is less.
Where can you report a debt collector for an alleged violation
Report any problems you have with a debt collector to your state Attorney Generals office and the Federal Trade Commission. Many states have their own debt collection laws, and your Attorney Generals office can help you determine your rights.
About The Author
© Copyright. http://www.deleteuglycredit.com
Omar M. Omar is the owner of http://www.deleteuglycredit.com. The website is dedicated to provide credit consumers with information about their credit right and how to dispute inaccurate information on their credit report. Omar M. Omar is also the author Of "The Credit Repair Bible" book.
You have permission to publish this article electronically or in print, in your Newsletter, on your website, or in your E-Book, as long as the authors Resource Box is included with the article.
omar@deleteuglycredit.com
How To Quickly And Easily Stop Procrastinating And Get Motivated – Diet
How To Quickly And Easily Stop Procrastinating And Get Motivated
Peter Murphy
Do you spend more time procrastinating than you do accomplishing The keys to success in overcoming procrastination are to determine the reasons you lack motivation in the first place, to create a plan for success, and follow the plan to the letter.
You can follow some practical steps and make permanent changes in your life. Start living up to your true potential by rising to a new level of motivation, energy, and dedication.
People procrastinate for different reasons ranging from fear of failure or success to just plain lazy.
By first identifying some of the reasons you procrastinate, you can develop a plan to end your frustration, finally get motivated, and stay motivated.
A major component of motivation is self-confidence. Fear of failure, fear of rejection, and feeling unworthy or undeserving are common reasons people procrastinate.
Taking steps to improve your self-esteem will go a long way in helping you get motivated.
Two things in particular motivate human beings: pleasure and pain. Make a list of the pleasure youll get from accomplishing your goals. Also list the consequences youll suffer by procrastinating.
If you keep the reward in mind it will be easier to stay focused. Evaluate your life and do some soul searching. Overcoming irrational fears and phobias are critical steps in becoming self-confident and motivated.
The act of procrastinating itself causes your self-esteem to suffer. Feelings of guilt, stress, and anxiety only lead to unfulfilled goals and dreams.
If you dislike yourself because you lack the courage to pursue your dreams, then you set yourself up for failure.
Take a good look at your personal issues and make your plan. Give your goals and daily tasks your full attention and strive to complete everything on your list, each and every day.
Procrastination is a habitual behavior. Once you start procrastinating the harder it is to break the habit. It takes time and dedication to develop new habits. If you understand what causes you to procrastinate, you can take steps to change.
Improving your self-esteem and breaking old habits will put you on the path to success. Reward yourself for small accomplishments and keep in mind the end result of reaching your goals.
Procrastination can be overcome if you make a plan to change and follow it closely. If you fail to complete a given task, then dont take the reward. Realize that there are consequences for every action you take.
There is connection between physical and emotional well being. Taking steps to better your health will help you to stay motivated and stop procrastinating. Exercise, maintain a healthy diet, and concentrate on good health habits as well as good mental and work habits.
If you are feeling bad, whether emotionally or physically, you accomplish less, which makes you feel even worse.
Overcoming procrastination is perhaps one of the most important steps you can take to improve your life and become the motivated, successful person you are capable of being.
You have to let go of your old personality and ways of doing things to change, quit procrastinating and get motivated!
About The Author
Peter Murphy is a peak performance expert. He recently produced a very popular free report that reveals how to crush procrastination and sustain lasting motivation. Apply now because it is available for a limited time only at: http://www.getmotivatedstaymotivated.com/special.htm
peter1510@hotmail.com