How to deal with debt collectors

financefeeeeedftghjkl

Calls from debt collectors are usually not fun even in best case scenarios. It can be a headache knowing you have some outstanding debt which cannot be paid and you have nowhere to go since the debt collectors will only offer bare minimum as far as options are concerned. Most of these debt collectors can use abusive language, scare tactics or threats to frighten you to pay them. This breeds unnecessary tension and makes the situation dire. You should know the following things when dealing with debt collectors.

Negotiate settlement on your terms

You should go over your expenses and income and figure out what is affordable and only pay an amount that is realistic. Payment plans are never necessary, and when your debt reaches the third party collectors, then it is at the last end before getting written off. You are likely to pay more if you agree to payment plans over time. Avoid payment plans as much as possible, and in case you agree to one, ensure you understand fully the total amount you end up paying.financerightdfghjmk,

Zombie debts are still there

This is an old debt which will not die. Collection accounts are normally resold every time, so it is common for you get a call about debts that are no longer owed or are outside the statutes of limitations. The former is illegal however the latter may not be. Do not pay the debt right away. Ensure the collector validates the debt before acknowledging its existence. You can restart the clock of your old debts unknowingly by paying part of the debt or agreeing the debt is yours on the phone. Due diligence is the best way of defending yourself from zombie debts.

Beware of scammers

Ensure the debt collector identifies themselves with the company, name, street address, license number and telephone numbers. You should know that verification is your right by law. This helps you to avoid debt collection scams of which most people fall prey.

Do not be a victim of paying anything

financeleftasdfghjklOnce of your any amount especially giving the payment over the phone, then you are restarting the clock since debts get bumped up on your credit report depending on the more or least you pay. Always ask a debt collector to send a document in writing. These collectors have to investigate the debt as long as you have filed a written dispute within a month of the initial contact. And the debt collectors should cease contact till they verify in writing that you owe them the stated amount.

Nobody likes to have debt, but you should not be a prisoner to debt collectors. You have rights and exercising them will help you take control of such situations.…

How to increase your laptop battery life

technologyfeeeesadghfkl

A battery is one of the most important parts of your laptop. You should take good care of your laptop battery to increase its life. This will help you avoid replacing the battery which can prove expensive since getting original laptop batteries can be costly. Below are some tips that can help you increase your laptop’s battery life.

Reduce the brightness of the screen

As with any other electronic you need to reduce the screen brightness of your laptop. If your battery is almost dead, lower the screen brightness to the lowest possible setting. Most laptops today have screens that consist of LEDs that provide backlighting which takes up a lot of power.technologyrightesdfknb

battery saver mode on

All laptops are equipped with this the economy or saver mode that puts your laptop in a state of low power consumption. The hard disk, memory, and processor all start to consume less power by lowering their performance. This will allow you to use the laptop for long before the battery dies.

Turn off unused devices

Turn off Bluetooth and wi-fi if you are not using them since they are radio devices that consume battery power. Peripherals like graphic cards should also be turned off when not in use since you will not need when making your presentation. You can also choose to turn off one of the USB ports on your machine and underutilize other optical drives.

Lower resolution

Modern laptops have screens of high resolution that draw much of the battery power. Reducing the resolution of your screen to the basic resolution is an efficient way to increase your battery life as well as reduce the power consumption.

Close unnecessary processed and apps

Besides hardware, software is also a component that consumes battery. You can start by closing programs that are running in the background like music players, cloud services, processes related to sound and video players.

Avoid overheating

If you use your laptop on the pillow, bed or blanket, then you risk damaging its battery as well as internal components due to excessive heating which shortens the battery’s life. Place your laptop on hard surfaces like a table or a desk. You can use a lap desk if you feel lazy. Regularly blow the fans and the ventilation ports to get rid of dust and debris that may block them.

Turn off the backlight of the keyboard

technologyleftsagdhfvbgkSwitching off your keyboard’s backlight can further lengthen the time you use your laptop before its battery runs out. Be sure to turn off this feature off.

Laptops are expensive therefore you should take care of the battery to avoid events of data loss and damaging hardware.…