The Ultimate Off-Road Motorcycle #off #road #motorcycle #insurance


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The Ultimate Off-Road Motorcycle

I have no idea what this thing is but I think I need it.

Check out this Russian made motorcycle and see what it can do.

  • Can it float?
  • Is it two wheel drive?
  • Can you lift it?
  • Does it disassemble and fit in two duffle bags?
  • Can it be ridden in mud, up hills, through ponds and up stairs?

If all those things are on your checklist for your next bike you need to watch this. Heck, I didn t even know some of the things were options.

Both wheels are driven by a chain, as you can see when it s disassembled. The tires are massive floatation devices that act like paddle wheels and the whole bike seems to weigh about as much as a bag of poodles, based on the way the rider manhandles it around.

So, what do you think? Are you ready to order?

Here is what I have been able to find out about this bike: (Translated from Russian so the English is a bit rough. )

The Taurus 2×2 was created for the Russian forests, inaccessible areas, insidious, where there are swamps and territories orography impossible: it is called Taurus 2×2. is equipped with four-wheel drive 2 × 2. is very light and very resistant to any terrain. It comes from a small farm not far from Moscow Soviet, given the need for a certain part of the people, he decided to create a motorcycle that went beyond the boundaries far more limited motorcycle … normal.

In a typical situation, this bike is transported disassembled to the place to explore …, all in convenient bags! In a few minutes, there are rumors about four, mounts, inflate low pressure tires (220 mm wide) as you do in the summer with the boat, and off you go. Obstacles? Ford? Go up to 100%? Zero problems, the weight of only 50 kg and traction on both wheels allow any territorial acrobatics.

In practice, to be able to move the two wheels simultaneously, each was mounted on a gear wheel, and both, through chain, are connected to an output pinion from the motor. The chassis is rigid, no suspension. Very simple and effective. Of course the 4-stroke single-cylinder engine, it is useless to talk of torque, power, etc. … although, on closer inspection, it is capable of bringing the Taurus 2×2 60 km / h with fuel consumption by the green economy, just 1.2 liters per hour. It also has a 3-speed transmission.

This Taurus 2×2 bike explorer who fears no danger, is available (in Russia) in two variants. the only off-road version and the one homologous for road use with complete electrical system and wheels quad, which reflects a slightly higher weight. E ‘for sale in kit to 35,000 rubles, which can be quantified in approximately 730 Euro. And the bike can also float …!

Taurus 2 Technical Specification. Taurus 2×2

Axels – 2×2
max. speed 60 km.chas ( a 3- speed version)
Engine 2 x cycle. 5-5.5 hp.
transmission – centrifugal clutch
gears -2 (3)
disc brake on the intermediate shaft
carrying capacity of 180 kg .
Fuel – 1.2 L / hr.
Wheel camera UAZ
wheel diameter – 740 mm .
Wheel width – 220 mm.
tire pressure – 0.13 kg / cm.
Ground pressure min. – 0.04 kg / cm.
clearance – 370 mm .
steering angle of the front fork 55 – degrees.
Seat height – 750 mm.
tank capacity – 5.3 liters.
dry weight – 47-50 kg.
minimum – time showdown 10-20 sec. ( detached front fork )
during disassembly max. – 2-4 min. ( includes two bags in the trunk of the Oka )

Turus 2M Technical Specification. Taurus 2×2

Axels-2×2
max. speed 60 km.chas (a 3-speed version)
4 x cycle engine. GF-7 210 hp
transmission-centrifugal clutch
gears-2 (3)
disc brake on the intermediate shaft
Capacity 200 kg.
Fuel-1.2 L / hr.
Wheel-Kings-Tire 26x9x12
wheel diameter – 650 mm.
Wheel width – 220 mm.
tire pressure – 0.13 kg / cm.
Ground pressure min. – 0.04 kg / cm.
clearance – 310 mm.
steering angle of the front fork 55-degrees.
Seat height – 680 mm.
tank capacity – 5.8 liters.
dry weight – 72-74 kg.
minimum-time showdown 10-20

Incoming search terms:

atv taurus 2m
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ATV Tarus 2M
taurus 2 2 motorcycle for sale
tarus 2m
atv taurus 2m for sale
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russian all terrain motorcycle

About Kevin Morris

Kevin is a rider coach for the Motorcycle Safety Foundation and Total Control IRC in Ft. Worth and Dallas, TX. When not teaching new riders to ride he is an avid motorcycle enthusiast, moto journalist and photographer. His passion for motorcycles spills into his creative side with photography and videos that show his passion for all things on two wheels. Kevin understands the risks involved in riding a motorcycle and firmly believes in rider training and knowledge to keep himself and you safer on two wheels. His formula for a good motorcyclist: technique + smooth = control Kevin Founder and Editor of RiderGroups.com

Peter Murray Nalley

DIY kits. it will carry with it a starting price of 35,000 Russian Rubles (about US$980) when it finally becomes available. according to the website, the company has up to four rides planned, including a four-wheeled motorcycle in the pipeline. keep going to see the bike in action.

Peter Murray Nalley

DIY kits. it will carry with it a starting price of 35,000 Russian Rubles (about US$980) when it finally becomes available. according to the website, the company has up to four rides planned, including a four-wheeled motorcycle in the pipeline. keep going to see the bike in action.

Peter Murray Nalley

DIY kits. it will carry with it a starting price of 35,000 Russian Rubles (about US$980) when it finally becomes available. according to the website, the company has up to four rides planned, including a four-wheeled motorcycle in the pipeline. keep going to see the bike in action.

Peter Murray Nalley

Share It If You Love it Share on FacebookTweet about this on TwitterGoogle+Pin on PinterestEmail to someone

two-wheel drive motorcycle is rare, but not new. however, the Russian Taurus 2×2 All-Terrain Motorcycle is on a league of its own. the two-wheel drive system coupled with super chunky tires allows it to transverse across the toughest terrain imaginable, going where four-wheel drive vehicles can’t but even if it can’t, its mere 47 to 74 kilograms of weight means it is lightweight enough to be picked up and carry over, or at least drag, to where you want to go. don’t believe? catch the video after the break and see it for yourself. there are two models planned: a 2×2 Taurus 2, which is the lightweight version fitted with low-pressure tires, and a 2×2 Taurus 2m, which is a heavier and more powerful model, fitted with serious off-road rubbers.

How can I have one ?

RiderGroups real motorcycle news, trips & reviews for real bikers.

Kevin Morris is the owner and editor of RiderGroups.com where he shares no nonsense reviews of some of the best motorcycles and gear on the planet. You can rest assured that if Kevin writes a review he has thoroughly tested it and will provide honest feedback.

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How to Get Off Junk Mail Lists #how #to #get #off #email #lists


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How to Get Off Junk Mail Lists

How to Get Off Junk Mail Lists. It’s one of the biggest pet peeves of nearly everyone with a mailing address: junk mail! Not only does it irritate the recipient, junk mail also wastes valuable resources and becomes a beast that takes on a life of its own. There is a way to end the torment of junk mail.

Register for a list. It may sound counterintuitive, but by contacting the Direct Marketing Association’s Mail Preference Service, you are putting yourself on a “Do Not Mail” list for their members. It does cost $1, but that will be a buck well spent.

Make some calls and send out letters. For those advertisements that usually come as flyers, or in bulk mailings packaged together, look for the contact information from the sender. This type of junk mail is normally sent to “Resident” or “Occupant.” Most catalogs have websites or toll-free numbers. Request to be taken off their mailing lists.

Stop credit offers. These offers come when you are lumped into a category that the credit company likes and are often preapproved. Contact the three major credit bureaus and request to be taken off their mailing lists.

Become unlisted in the phone book. If you do not wish to incur a monthly fee, ask that the phone company list only your name and phone number, leaving out your address.

Opt out when you can. All of your credit cards or any other companies or organizations you are associated with should have an option on their bill or website that will keep your information private. If not, enclose a note with your correspondence asking to be taken off any mailing lists they are associated with.

Beware of entries, registrations, contests and surveys. Each time you enter one of these, it’s likely that they will hand over your information to their affiliates.

Pay someone to get your name off those junk mail lists. If time is a concern for you, there are organizations that promise to reduce unwanted mailings for a fee. Green Dimes (see Resources below), whose focus is on how junk mail affects our environment, will plant a tree every month for every member they have. Green or not, there are several companies out there to choose from to help get your name off those lists.

Tips Warnings

  • You must reregister with Direct Marketing Association and the Mail Preference Service every 5 years: Mail Preference Service, Direct Marketing Association, P.O. Box 643, Carmel, New York, 10512.
  • It may take several weeks to be taken off mailing lists, so be patient and keep track of who you have contacted. Report any noncompliant companies.
  • For sexually explicit mailings, the post office has a form that will stop these. Visit your local post office and ask for form 1500, or you can download instructions and the form online (see Resources below).
  • Many consumers confuse new product registrations with warranty registration. Most often a card is not required to make a warranty effective; it is implied with the purchase.
  • Although these steps are designed to get you off those lists, there is no sure-fire way to eliminate all advertisements from arriving at your door.

Turn Google voicemail on or off – Google Voice Help #get #off #the #phone


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Turn Google voicemail on or off

If you get voicemails on your mobile, home, and work phones, you can use Google voicemail to check them all at once.

Turn on Google voicemail for a phone

  1. On your computer, open Google Voice .
  2. At the top left, open Menu Legacy Google Voice. Google Voice will look different, but you’re in the right place.
  3. At the top right, open Settings Settings .
  4. Click the “Phones” tab.
  5. Under your forwarding phone, click Activate Google voicemail on this phone .
  6. Follow the instructions to turn on Google voicemail.

Switch back to your phone’s voicemail

  1. On your computer, open Google Voice .
  2. At the top left, open Menu Legacy Google Voice. Google Voice will look different, but you’re in the right place.
  3. At the top right, open Settings Settings .
  4. Click the “Phones” tab.
  5. Under your forwarding phone, click Deactivate Google voicemail on this phone .
  6. Follow the instructions to turn off Google voicemail.

Note: If you’ve deleted your Google Account and can’t turn off Google voicemail, call your cell phone company. Ask them to remove “conditional call forwarding” from your account.

Change PIN settings

Use a computer to change your PIN settings.

  1. On your computer, open Google Voice .
  2. At the top left, open Menu Legacy Google Voice. Google Voice will look different, but you’re in the right place.
  3. At the top right, click Settings Settings .
  4. Click the “Phones” tab.
  5. Under your phone number, click Edit .
  6. Click Show advanced settings .
  7. Next to “Voicemail Access,” select Yes .
  8. Select PIN required .
  9. At the bottom, click Save .
  1. On your computer, open Google Voice .
  2. At the top left, open Menu Legacy Google Voice. Google Voice will look different, but you’re in the right place.
  3. At the top right, click Settings Settings .
  4. Click the “Voicemail Text” tab.
  5. Next to “Voicemail PIN,” enter and confirm your new PIN.
  6. At the bottom, click Save changes .

Fix a problem

If you’re having trouble setting up Google voicemail on your Verizon phone:

  1. On your phone, open the Phone app.
  2. Call *71[Your Google Voice number]. After you hear the confirmation, hang up.
  3. Call *90[Your Google Voice number]. After you hear the confirmation, hang up.
  4. Call *92[Your Google Voice number]. After you hear the confirmation, hang up.
  1. Contact AT T Support.
  2. Ask the support representative to set up call forwarding for the following HD Voice settings: Busy, Unanswered, Unreachable. Confirm that they don’t set up call forwarding for Always Forward.
  3. Give the representative your Google Voice number to use as the forwarding number.
  4. Before hanging up, check that your voicemails are arriving in your Google Voice inbox:
    • Call your phone and let it ring until it goes to voicemail.
    • Call your phone and reject the call.
    • Turn off your phone and then call it.

Set your landline’s voicemail to pick up after 30 seconds. By setting it to this length of time, when people call your landline number, they will be connected to Google voicemail instead of the landline’s voicemail.

Help make transcribed voicemails more accurate

Voicemails are automatically transcribed by computer programs. You can donate your voicemails to help us improve the programs. Your account info won’t be attached to your voicemails, and no one will listen to them since they’re analyzed by machines.

  1. On your computer, open Google Voice .
  2. At the top left, open Menu Settings .
  3. On the left, click Voicemail .
  4. Switch “Let Google analyze voicemail transcripts” to On .

You can turn this off any time, and we’ll stop using your messages.

Megan is a Google Voice expert and the author of this help page. Help her improve this article by leaving feedback below.


Offsite Online Remote Data Backup Solutions #off #site #backup #solutions


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Offsite Backup Services

Industry Leading Offsite Data Backup Solution

We are a computer consulting company specializing in managed IT services and tech support for small and medium sized businesses. We provide managed backup services, business continuity and disaster recovery solutions. Our state of the art solution offers secure, fast and easy setup.

Disaster Recovery Services

Are you ready to face the challenges of the unexpected?

Arm yourself with a superior backup and disaster recovery solution that matches your business needs and fits within your budget. Put this technology to work to keep your systems working seamlessly in case of a disaster. There is no need to worry if files are open or if they are still in use.

Business Continuity Services

The Technology At Work To Keep Your Systems Working

With Business Continuity Solution your critical business systems remain up and running. Recovery is as simple as pushing a few buttons (or clicking a mouse). Systems are restored in minutes (not hours or days).

SmartStyle Cloud Computing

Get Scalable Infrastructure for your business

SmartStyle is a fully functional IT environment for an office. It features built-in backup and disaster recovery with scalable infrastructure. Data is protected by unbreakable storage using BitSpread technology. SmartStyle is an excellent choice for a new network setup or replacing an old one.

Data Recovery Services

Confidential Data Recovery

Have you ever lost your data due to a crashed, corrupted or inaccessible storage media? Are you looking to recover accidently deleted data from a hard drive, memory card, laptop or server? In most cases we can recover your valuable data at your home or office.

Offsite Online Remote Data Backup Services

We are a Chicago computer consulting company specializing in managed IT services and tech support for small and medium sized businesses. We provide managed backup services, business continuity and disaster recovery solutions. Our state of the art solution offers secure, fast and easy setup.

Is your critical data at risk?

Are you experiencing downtime? Does your solution meet all of your needs? We offer secure offsite data backup and business continuity solution with economical pricing packages to meet your data backup needs.

Data Backup Services: What’s included

  • Data backup solution that is secure, fast and easy to set-up.
  • Offsite data backup to secure business data in your servers, desktops and laptops.
  • Data protection and retrieval using encryption and remote offsite strategies.
  • No backup window. your critical business systems remain up and running.
  • Recovery is as simple as pushing a few buttons (or clicking a mouse). Systems are restored in minutes (not hours or days).

We offer data backup services in Chicago and Chicagoland including Oak Park, River Forest, Maywood, Bellwood, Hillside, Berkely, Melrose Park, Stone Park, Northlake, Elmwood Park, River Grove, Franklin Park, Bensenville, Harwood Heights, Norridge, Shiller Park, Rosemont, Park Ridge, Des Plaines, Niles, Mount Prospect, Prospect Heights, Arlington Heights, Rolling Meadows, Schaumburg, Elk Grove Village, Hoffman Estates, Palatine, Lincolnwood, Evanston, Skokie, Wilmette, Winnetka, Northfield, Morton Grove, Glenview, Northbrook, Wheeling, Buffalo Grove, Deerfield, Highland Park, Highwood, Lake Forest, Lincolnshire, Long Grove, Lake Zurich


About the LAP-BAND – System #about #lap-band, #weight #loss #system, #gastric #band, #limit #food #intake,


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What is the LAP-BAND ?

Weight Loss Without Invasive Surgery

The LAP-BAND System is a weight loss tool that can help you meet and exceed your weight loss goals. It is a gastric band that helps to limit the amount of food you can eat at once. Through healthy portion control and a healthy lifestyle, you can lose excess weight and keep it off too!

Minimally Invasive

The LAP-BAND System provides a weight loss solution that is minimally invasive. The LAP-BAND gastric band procedure is performed laparoscopically, so you can get back to your weight loss journey quicker.

Long-Term Weight Loss

After all the hard work and dedication that it takes to achieve your goals, you deserve to enjoy your results for years to come. The LAP-BAND program helps with healthy portion control, while care from your team of specialists gives you the techniques to keep the weight off.

An Effective Tool

The LAP-BAND gastric band is a tool that can help you not only achieve your weight loss goals, but exceed them too. You can utilize the benefits of the tool to progress your weight loss and maximize your results, while sticking to a healthy diet and regular exercise regimen.

Why does the LAP-BAND work?

Countless weight loss solutions are available to you. Chances are you may have tried a few of them. Unfortunately, many just didn t deliver the results you were looking for. Time and time again, the feeling of hope has been overcome with disappointment.

So, the question is, why does the LAP-BAND work? It s time to find out how you can change your life with help from the LAP-BAND .

Lose the weight and keep it off with a healthy lifestyle

Would you find it easier to stick to a healthy lifestyle if you weren t constantly hungry? The LAP-BAND System utilizes gastric banding to do just that. A safe and adjustable gastric band helps limit your hunger, ultimately reducing the amount of food you can eat at once. Throughout your aftercare program, you will be encouraged to live a healthy lifestyle with a well-balanced diet and regular exercise. The tools and techniques that you learn throughout the weight loss program will help you to live a long-term healthy lifestyle and keep the weight off for years to come.

Maximize your results with post-procedure support

The LAP-BAND is a tool that can help you lose excess weight, but maximizing your weight loss results by living a healthy lifestyle is up to you. The key to adapting to healthy behaviors is support from the right weight loss clinic. Your team of LAP-BAND specialists will provide you with the knowledge and practices that will help you adapt to a long-lasting healthy lifestyle. Genuine care and support will help you along your journey, especially if you are having a difficult time physically or emotionally. Your team will help you overcome obstacles and ultimately reach your weight loss goals.

DENISE, LOST 115 LBS.

“It feels wonderful knowing that your life has changed for the better .”

An embarrassing moment while at an amusement park with her family was a turning point for Denise. Now, she has a healthy relationship with food and strives to be a strong and healthy role model for her daughters. She has completely changed her life, with help from the LAP-BAND weight loss program.

Find a specialist that fits you.

The key to success with the LAP-BAND is finding the right weight loss clinic. Your team of weight loss specialists will provide you with care and encouragement throughout your weight loss journey. It s important that you find the right weight loss clinic for you.

Find out if you are eligible.

Are you ready to make a change? If you are tired of feeling self-conscious, hiding behind baggy clothing, or not feeling entirely comfortable in your own skin chances are, you re ready. It s important to begin by finding out if the LAP-BAND gastric band will be a safe choice for you.

Important LAP-BAND System Safety Information

Indications: The LAP-BAND System is indicated for weight reduction for patients with obesity, with a Body Mass Index (BMI) of at least 40 kg/m 2 or a BMI of at least 30 kg/m 2 with one or more obesity-related comorbid conditions. It is indicated for use only in adult patients who have failed more conservative weight reduction alternatives, such as supervised diet, exercise and behavior modification programs. Patients who elect to have this surgery must make the commitment to accept significant changes in their eating habits for the rest of their lives.

Contraindications: The LAP-BAND System is not recommended for non-adult patients, patients with conditions that may make them poor surgical candidates or increase the risk of poor results (e.g. inflammatory or cardiopulmonary diseases, GI conditions, symptoms or family history of autoimmune disease, cirrhosis), who are unwilling or unable to comply with the required dietary restrictions, who have alcohol or drug addictions, or who currently are or may be pregnant.

Warnings: The LAP-BAND System is a long-term implant. Explant and replacement surgery may be required. Patients who become pregnant or severely ill, or who require more extensive nutrition may require deflation of their bands. Anti-inflammatory agents, such as aspirin, should be used with caution and may contribute to an increased risk of band erosion.

Adverse Events: Placement of the LAP-BAND System is major surgery and, as with any surgery, death can occur. Possible complications include the risks associated with the medications and methods used during surgery, the risks associated with any surgical procedure, and the patient s ability to tolerate a foreign object implanted in the body. Band slippage, erosion and deflation, reflux, obstruction of the stomach, dilation of the esophagus, infection, or nausea and vomiting may occur. Reoperation may be required. Rapid weight loss may result in complications that may require additional surgery. Deflation of the band may alleviate excessively rapid weight loss or esophageal dilation.

Important: For full safety information please click here, talk with your doctor, or call Apollo Customer Support at 1-855-551-3123.

CAUTION: Rx only.

  1. Dixon, et al. Adjustable Gastric Banding and Conventional Therapy for Type 2 Diabetes. JAMA. 2008.
  2. Obesity News Today. (July 7, 2015). Survey Reveals That While Weight Loss Surgery Still Not Common, Gastric Bands Are Most Favored Option. Retrieved from http://obesitynewstoday.com/2015/07/07/consumer-survey-reveals-gastric-surgery-is-not-a-common-choice/.
2017 Apollo Endosurgery, Inc. All rights reserved. Any third-party trademarks used herein are the property of their respective owners.

Twisted Jeeps #moab #jeep #rentals, #rent #a #jeep, #twisted #jeeps, #lifted #jeeps #for #rent, #moab


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WELCOME TO TWISTED JEEPS

The Most Capable Rental Jeeps in Moab

Twisted Jeeps is prepared to give you the best experience possible. We are dedicated to ensuring that you have the best time you can on the trail with our well-built Jeeps, or just enjoy the view in our off road vehicles.

We now offer rentals and purchases of the OEV TDK/MPT trailers from Overland Explorer Expedition Vehicles. These are for the rugged explorer who needs a reliable way to get their gear around. Click on their logo below to check them out!

We have the best rental Jeeps in Moab, so you don’t have to bring your personal Jeep and risk damaging it on the trail. With our Rancho equipment, we are confident that our Jeeps will perform as well offroad as your rig. To learn more about why our Jeeps are special, click here.

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When a debt is written off what does that mean? #written #off, #statute #of #limitations


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What it means when a debt is ‘written off’

Dear New Frugal You. I had an old debt that I thought was dead but now I’m not so sure. A store said I owed them $900. I disputed the debt and how they tried to collect it. About four years ago, I understood that they wrote off the debt and assumed that would be the end of it. But just this week a law firm called and said that I not only owed the $900 but an additional $1,600 in interest! Can they do that? And what can I do to stop them? — Talia

Dear Talia,
Good question! And it’s a topic that’s frequently asked about, in part because it’s really a couple of different questions, and because many people don’t understand some of the terms.

So let’s break it down into bite-sized pieces. First, we’ll look at what a write-off means. Then we’ll discuss how you can tell if you still owe a debt and, if you do, how much interest they can charge. Finally, we’ll spend a moment on what debt collectors can say or do.

The term write-off is really just an accounting term. What it means is that the lender doesn’t count the money you owe them as an asset of the company anymore. Its financial statements will reflect that change. They’re required to write off certain bad loans so as not to mislead investors.

So your debt was just written off of one credtitor’s books. It hasn’t gone off and died, however. Rarely is debt forgiven or forgotten. You still owe the money. The main consequence for you is that there’s a good chance that the company reported the write-off to the credit rating agencies, which would hurt your score.

Whether you still owe the money or not is a more difficult question and is tied up in state law. Leslie H. Tayne is an attorney concentrating in consumer debt resolution and bankruptcy alternatives in New York. Tayne told me the only way to know for sure that a debt is forgiven is if, you are either issued a 1099-C forgiven debt form or you get a letter from the creditor stating the account has been resolved. Otherwise it may not have disappeared.

If you don’t have either, you still might be off the hook. It’s possible that the debt might have exceeded the statute of limitations. Most states say that you can’t be held responsible for an unpaid debt forever. So they set the length of time that a lender has to sue the debtor for repayment. During that time, the lender can get a judgment against the debtor. After that time, their ability to collect is limited.

Each state writes its own statute of limitations for credit card debt. In most cases it’s between three and six years, although in four states it’s seven or more years.

I have two warnings about debt and the statute of limitations:

  • Be cautious when communicating with others about an old debt. You need to be careful not to restart the statute’s clock — the time during which a creditor can successfully sue. Depending on your state law, doing things such as making a partial payment or even acknowledging that you owe the money may reset the clock to zero. Restarting the clock is also known as re-aging a debt.
  • Once the clock runs out, remember that the statute of limitations does not prevent a collection agency from trying to collect the debt. They can’t take you to court, but they can call or write.

Can they legally charge you $1,600 in interest and penalties? According to Tayne, that depends on the agreement and the status of the account, if there is a judgment and the state.

You can begin searching for an answer by calculating to see if the interest rate and penalties are consistent with the original loan agreement. The amount seems like a lot (and it is), but it doesn’t take long for a monthly $30 late fee and 25 percent interest rate to add up. If the charges are above what’s allowed in your agreement, it’s time to check with a state agency or hire an attorney.

What can you do to stop debt collectors? As long as they’re within the law, there’s not much you can do to keep them from adding additional fees and interest to your account. If you’re past or close to the statute of limitations, your best bet is probably to wait for it to run out and hope that they don’t sue to get a judgment.

While you can’t keep them from adding penalties and interest, you can do something to stop them from calling you. Debt collectors are required to abide by the Fair Debt Collections Practices Act. The bottom line is that you can tell them to stop contacting you and they must comply.

Don’t be overly impressed because it’s a law office that called. Chances are you weren’t speaking with a lawyer. You were probably talking with someone who’s trained in collecting bad debts.

One final thought. If you should decide to settle the debt, make sure you get the agreement in writing. It should say that you’re no longer responsible for the debt or any interest or penalties. It should also state what will be reported to the credit scoring companies.

Meet CreditCards.com’s reader Q A experts

Does a personal finance problem have you worried? Monday through Saturday, CreditCards.com’s Q A experts answer questions from readers. Ask a question . or click on any expert to see their previous answers.

Sally Herigstad,
To Her Credit

  • Todd Ossenfort,
    The Credit Guy

  • Barry Paperno,
    Speaking of Credit

  • Elaine Pofeldt,
    Your Business Credit

  • Erica Sandberg,
    Opening Credits


  • Counterintelligence Courses and Briefings – CI CENTRE #counterintelligence,counter-intelligence, #counterintel,counterespionage,spy, #espionage, #spies, #spying, #counterintelligence #training,ci, #ci


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    The CI Centre has over 50+ already-developed commercial off-the-shelf (COTS) training courses and briefings which can immediately be provided to your organization. They are conveniently on the GSA Schedule for quick, easy and immediate ordering at the best price already negotiated by the US Government.

    Since 1997, we have provided this training to over 70,000 Intelligence Community, Military, Law Enforcement and Corporate clients—and have consistently received the best course feedback by these attendees.

    We can provide the courses at your organization’s location or at a third-party facility.

    Your employees will benefit by learning directly from our world-class team of experts who each have 25-40+ years of real-world experience and expert knowledge to share in the counterintelligence, counterterrorism, investigations and security fields.

    As a manager, you will benefit from the rave course reviews, increased interest and buy-in to CI, CT and security, and a valuable workforce that is more aware of potential threats. Plus, the CI Centre is a turnkey company, meaning you can let us handle everything from registration to certificates.

    Let’s talk about how your organization can receive immediate, needed training by scheduling one or more of our courses and briefings for your employees. Call us at 1-800-779-4007 or 703-642-7450 or use our Contact Us form.

    Counterintelligence Strategy, Tactics and Skills

    COTS Training Courses and Briefings

    ADVANCED COUNTERINTELLIGENCE STRATEGY SKILLS

    CI Centre’s Commercial Off-the-Shelf (COTS) training courses taught by our expert instructors offer significant savings in procurement and maintenance to federal/state/local government and corporate organizations and we offer easy and efficient ordering.

    • Our COTS training courses have already been fully designed and developed. Your organization does not pay for the design and development costs because these are COTS courses.

    • Our instructors are ready to deliver them to your organization—right now. You don’t use your own time, personnel and resources.

    • Our COTS courses are proven, successful entities, many of which have been delivered since 1996. You are purchasing a vetted course whose feedback from attendees has been consistently positive.

    • The information in COTS courses are kept up-to-date by the CI Centre. Your organization is not charged this maintenance.

    • Courses can be delivered by our expert instructors at our facility in Falls Church, VA (outside Washington, DC, at a third-party facility, or we can come to your location (travel expenses extra).

    • With set prices for the COTS courses, ordering is quick, easy and efficient. No need to write or issue Statements or Work, Request for Proposals or Bids, or conduct surveys—GSA has already negotiated the best price for the US Government. GSA Contract Number: GS-02F-0210R. Schedule 874 Mission Oriented Business Integrated Services (MOBIS) under name of parent company David G. Major Associates, Inc.

    • Government credit cards are accepted as a form of payment for all purchases. We have the ability to meet your end-of-year money training requests.

    With COTS courses ready-to-go, your organization can fulfill your training requirements right now.

    For modified, tailored and customized courses (content, length) and training solutions, please give us a call.

    To schedule one or more courses for your organization, use our Contact Form or call us at 1-800-779-4007 or 703-642-7450.

    Training cannot be provided without your Contracting Officer’s official approval and signature on our training contract agreement. No other person/official, however senior, may approve of the funds released for the training except the Contracting Officer. (Note: the Contracting Officer is different from the COTR)


    Express Coupons: 20% Off Coupon, Promo Codes 2016 #fmcg #jobs


    #clothing store coupons

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    Express Coupons & Coupon Codes for October 2016

    Express hosts their online “After Party” sale with 50% off sitewide or 50% off clearance for 6 hours most weeks. These sales typically take place on Sundays from 6pm until 12am EST, however there is no guarantee that there will be an After Party sale every week. Coupons do not stack with 50% off deals and After Party sale events are not available in stores.

    Express will offer 40% off or 50% off everything during sitewide sales that include the new arrivals and clearance items. These sales occur about once every 2-3 months for 5 to 6 days and revolve around promoting the season’s newest styles. During this time, shoppers can get huge discounts in stores and online without a coupon code or in-store coupon. See trending women’s items and trending men’s items during these sales for deals on the most popular clothing items. The best deals come from extra clearance discounts where an extra 40-50% off can mean up to 80% off total!

    100% success (7 votes) – 1 save – 3 comments

    I am right on computer waiting– Love the After Party Sale. Spend too much–but love it anyway.

    Sign up for coupons via email and get a 20% off Express coupon! To redeem an in-store printable coupon, you can print or simply display on your mobile device! Sign up now .

    100% success (17 votes) – 1 save – 6 comments

    Always look forward to mailman bring me Expess coupons.

    100% success (15 votes) – 1 save – 4 comments

    Always check out what is happening at Express– Ya never know! Found many deals – I can always find something!

    Items must be returned and exchanged within 90 days of purchase at Express. While you can return online orders in the store and through mail, you cannot return in-store purchases by mail. Items must still have “Do Not Remove” tags to qualify for a refund or exchange. If you mail in your return, you will be charged a $6.99 return fee (returning shoes is free), so it is recommended that you return your item in stores where you will not be charged this additional fee.

    100% success (15 votes) – 1 save – 5 comments

    Love free shipping! Shopped Express so many years, I only had to return a few times.

    Express has made a name for itself among top women’s and men’s fashion trends. Find dresses, dress shirts, pants, suits, shoes, jeans, sweaters, accessories and more up to 50% off with today’s Express sale.

    How to Use an Express Coupon Code Online

    What are the best coupons for Express?

    We found that the best coupons for Express are for $15 off $30 or $30 off $75, but once in awhile they will have a “Mystery” sale where you can save up to 50%! Their one-day mystery coupons are the best, especially when they combine the promotion with free shipping (no minimum) on all orders. Normally shipping is free on orders of $125 or more. Sometimes select categories, will qualify for free shipping with no minimum purchase.

    What is a Tick Tock Sale?

    Should I Shop in Stores or Online?

    You should always shop where you can get the best discount! Take a look at some tips below.

    1. Daily Deals – You can find special promotions on the Express sale page that change every day or so, and can range from the semi-annual clearance sale to buy one, get one free deals and more. These deals are usually available in stores and online, however some deals will only be available online.
    2. Printable Coupons – The printable coupons usually have the same discounts as the online codes, however there are many times when Express will only release an online coupon code without an eligible in-store discount. You can show any printable coupon on your phone to the cashier and they will apply the discount. All they really need is the four-digit code printed on the coupon, so there won’t be problems trying to scan it.
    3. Email Alerts – If you shop online, you can get a 15% off code when you sign up for their email alerts on their site (read more here ).
    4. Clearance Deals – The online selection of clearance items goes far beyond what is offered in stores. This is important to note because the actual store may not even carry the item you want or even have it in your size! and you have to actually go to the store to find out if that item is available AND if it’s available in your size.


    Coupons: 20% Off 2016 Promo Codes #online #coupon


    #joann fabrics coupons

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    Joann.com Coupons Promo Codes

    Print Coupon Printable Coupon Expired 10/18/16 Used 2 times today

    How to Use Joann Coupons:
    After filling your bag with the items you plan to purchase on this order, proceed to the checkout page to apply discounts. Enter the information in the box marked Promotion Code that is located directly above the total for the order. Don t forget to click the Apply button to apply the code.

    Tips Tricks:
    Interested shoppers can check out the Weekly Ads section of the site for information on the latest deals and sales. There are also many items on sale or clearance across all categories, so visitors are encouraged to check back regularly for discounted prices on their favorite products.

    Rewards Program:
    Members of the Joann VIP program enjoy a wide range of benefits, including savings of 10% on every purchase they make. Entry to the program is restricted to individuals who are vendors reselling material, professional designers and organizations dedicated to crafting. The company also offers a Teacher Rewards program that comes with a savings of 15% on all purchases.

    Shipping / Return Policy:
    Joann offers several shipping options to customers with varying cost and estimated delivery time. Some items have special handling and distribution charges associated with them. Products ordered online must be returned to the online store rather than a physical outlet. Some items, including personalized and clearance products, are not eligible for refunds.

    Contact Joann:
    Customers who wish to contact the Joann online store can reach customer service by calling 1-888-739-4120. Their normal business hours are 9am to 7pm Eastern Standard Time on Monday through Saturday. You can also send a written message to customer service by clicking the Send An Email option to use the site s built-in email.

    Our team is confident that we have found the newest Joann.com coupons. Feel free to check similar sites and share with us if we missed something.