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Success Online Financial Education Newsletter
Money Management International Improving Lives Through Financial Education
SUCCESS NewsletterJuly 18 2013 newsletter
Dealing with debt collectors? Help is here

woman using megaphone on man explaining how to deal with debt collectors

By Jesse Campbell, Copywriter

No one wants to deal with debt collectors. Even the most professional and courteous debt collector in the world is trying to get you to give them money, which is rarely much fun.

Debt collectors are governed by rules and regulations designed to keep consumers from being harassed or treated unfairly by those attempting to collect debts. Unfortunately, while most collectors follow these rules there are many who do not.

According to the Federal Trade Commission, the debt collection industry generates more formal complaints to the FTC each year than any other industry. Those complaints include reports of harassment, verbal threats, demands for larger payments than allowed by law, refusal to verify disputed debts and more.

Now the federal government is becoming more directly involved in resolving complaints and reducing incidents of rule-breaking and that should be a very good thing for consumers...

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Can your teen handle a budget?

Teen breaks her piggy bank

By Jessica Horton, Community Manager

According to an article at Forbes, the average college graduate has four credit cards and $4,100 in credit card debt. This doesn't even take into consideration the thousands of dollars of student loan debt that most young adults face as they enter the workforce.

However, with a basic financial education, your teen doesn't have to be a part of this sobering statistic. Here are six tips to help your teen learn to manage money:

Set an Example

How many times have you told your kids to "do as I say, not as I do"?

The fact is, kids copy what they see more than what they hear, so the best way to teach them is to lead by example. Let them see you make your monthly budget, pay your bills and tell them why you decided against buying that $100 handbag that you really loved.

Don't despair if your finances are in a mess; this is a prime learning opportunity for you and your child. Read a book or take a course in money management and learn together.

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About Money Management International

Money Management International (MMI) is a nonprofit, full-service credit counseling agency, providing confidential financial guidance, financial education, counseling, and debt management assistance to consumers since 1958. MMI helps consumers trim their expenses, develop a spending plan, and repay debts. Counseling is available by appointment in branch offices and 24 hours a day, 7 days a week by telephone and Internet. Services are available in English or Spanish. To learn more, call
866.530.9869 or visit



4 things to remember when asking for a raise

Considering asking for a raise?  It can be a tricky proposition.  Be sure to consider the following four tips before you call a meeting with your boss.

  • Know your worth. When asking for a raise, it’s important to know what you bring to the table. Make a list of your accomplishments and contributions to help strengthen your case. Quantifiable measures (for example, the percentage you have helped increase sales, or, the amount of money you have helped the company save by implementing a certain procedure). Emails from coworkers and clients praising your work are social proof that you are worthy of a raise.
  • Do your research. Consult with others in your industry and conduct research online to find out what the going rate is for your position. Be sure to consider your level of experience, education, and city of residence as all of these factors will have some bearing on salary.
  • Timing is everything. Before asking for a raise, consider your organization’s finances. It is often less expensive for a company to pay slightly more for an employee who already knows the job than it is to hire and train a new employee. That being said, there are certain times when your company’s finances are tighter than others, and there are times when the budget is more receptive to change. Be sure to take into consideration your employer’s financial outlook when planning to ask for a raise.
  • Think win/win. The relationship between employee and employer should be based on mutual benefit. When you discuss your salary with your employer, try to keep this balance in mind. Be assertive in asking for what you think you deserve, but leave ultimatums like “give me a raise or I quit” out of the discussion unless you are really ready to move on to a new job. Remember that if your company cannot grant your request for a raise right now, increased benefits and vacation time are other “wins” that your employer may be willing to discuss in lieu of a higher salary.

Your employer may decline a salary increase for a number of reasons, which is why keeping the relationship amicable when you are discussing a pay raise is important. A “no” now is not necessarily a “no” forever. Strive to enhance your worth at the company by increasing your knowledge of your industry and broadening your work responsibilities.

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