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Articles about collectors (0-50 of 2911)
- Tips For Dealing With Debt Collectors
By: Jim Kendall | - Dealing with Debt Collectors quickly is essential to avoid penalty charges. In this article we provide some tips on the best ways to deal with Debt Collection Agencies.
When a company sells on your debt to debt collectors it is usually because the company has decided it is not cost-effective for them to pursue your debt. Debt collection agencies often buy debt very cheaply from lenders. For example, a debt collector may pay 5-10% of the value of the debt to the lender. It will then ...
Tags: debt collectors, debt collection agencies, debt management
- How Can I Better Deal With Debt Collectors?
By: Liz Roberts | - Dealing with debt collectors can be nerve-wracking. When Imagine how you would feel if you have to answer calls even during inconvenient hours. In this article, we will discuss the positive steps that you can do when dealing with debt collectors.
-Never hide from debt collectors: Indeed, there are times when you just want to avoid talking to them. However, take note that running away from them isn't the answer. If you ignore them, it only makes the situation worse.
Tags: debt collectors, debt consolidation, bad credit loans, bad credit cards, bad credit financing, bad credit
- In Times Of Great Debt, Who Do You Pay?
By: Melissa Kellett | - Youve run into more debt than you can pay. Phone and doorbell buzz every little while with unpaid bills and collectors. You decide to perform major surgery on your debts. Now, who do you pay and who do you leave out? Its not that easy, having pressure from all or most creditors. Here are some useful tips for establishing priorities.
The First Evaluation
Judge the debts according to whether they are secured or unsecured. This means whether you risk losing property ...
Tags: debt, collectors, secured, unsecured, collateral, creditors, car l
- Protecting Yourself From Abusive Debt Collectors
By: Liz Roberts | - When facing a serious debt problem, a person may feel helpless, stressed and frustrated. You may be vulnerable to threats and harassment from debt collectors. However, just because you're in debt doesn't mean you should be treated with less respect.
Why Debt Collectors Resort to Unfair Practices
Despite the existence of the Fair Debt Collection Practices Act (FDCPA), many debt collectors still resort to abusive tactics and illegal practices in an attempt to for ...
Tags: debt consolidation, debt collectors, Bad credit loans, Bad credit loan, Bad credit personal loans
- Think Before Answering Questions From A Bill Collector
By: Nick Messe | - You may have heard of the Fair Debt Collection Practices Act, which is also known as the FDCPA. You might have thought "that's interesting", but if you find yourself struggling with debt, suddenly this acronym could become very meaningful to you.
The FDCPA is a United States statute that outlines the way debt collectors and collection agencies can go about their work. It also states that consumers have the right to question and get written proof of the original debt. Most importan ...
Tags: debt collection harassment, stop debt harassment, bill collectors, fair debt lawyer, FDCPA
- Be Careful Of What You Say To A Bill Collector
By: Nick Messe | - If one day you answer your phone and you are shocked to be confronted by a bill collector, you are not alone. Thousands of times a day, every day of the week, the collection industry grinds on, attempting to collect past due debts from folks who have fallen on hard times.
It's one thing to be on the receiving end of a call about a legitimate debt, but what if you haven't a clue what they are talking about? The facts are that many times the debt has been bought and sold so many tim ...
Tags: debt collection harassment, stop debt harassment, bill collectors, FDCPA, fair debt lawyer
- Why You Should Choose Solar Power
By: Thomas Metscher | - Our existence on earth is nourished by the sun and the light and heat it emulates. Solar energy travels to earth by way of electromagnetic radiation kind of comparable to the way radio waves and transmitted through the air.
Heat and light are the primary forms of solar energy utilized by the earth and are the foundation for our existence. Simply stated we would not exist without light and heat submitted by the sun.
Our sources of conventional energy are not nearly a ...
Tags: solar energy, solar power, solar power collection, energy, focusing collectors, sun
- The Fdcpa Protects You Against Gangster Type Debt Collectors
By: Nick Messe | - If you've ever been on the receiving end of a call from a bill collector, you know how unnerving it can be. You instantly feel ashamed and defensive and may find yourself answering questions you need not answer, and making promises that you cannot keep.
A financial pickle can result from one thing or another, but it is not the end of the world. Even though a nasty debt collector may make you feel like the worst person on earth, you are not, and there are laws to protect you from h ...
Tags: debt collection harassment, stop debt harassment, bill collectors, bad credit rating, FDCPA
- Arm Yourself With Knowledge When Dealing With Debt Collectors
By: Nick Messe | - Stories of debtors and bill collectors have always been with us. From ancient times to the present there have been people who owe money and those who try to collect it. Sometimes a person or company will attempt on their own, and sometimes they employ a professional debt collection agency.
With most of the world operating on some sort of credit, is it any wonder that debt is at an all time high, especially in today's difficult economic times. The collection industry has become eno ...
Tags: debt collection harassment, stop debt harassment, bill collectors, bad credit rating, FDCPA
- A Fdcpa Attorney Can Expose Unfair Collection Tactics
By: Nick Messe | - In spite of federal laws such as The Fair Debt Collection Practices Act, or FDCPA, collection agencies continue to employ every trick imaginable in their quest to collect personal debts from everyday citizens.
If you find yourself behind in payments for a mortgage, car loan, medical bills, or credit cards, be prepared for a varied barrage of creative collection attempts. As certain sectors of the economy continue to rock and roll, tactics become more and more interesting.
...
Tags: debt collection harassment, stop debt harassment, bill collectors, FDCPA, debt collectors
- The Fair Debt Collection Practices Act- More Tips For Debtors
By: Norman Taylor | - Dealing with abusive debt collectors can be overwhelming. Debtors dont always feel like speaking with the representatives getting them anywhere closer to a resolution, despite all claims to be willing to work with the debtor. Debt collector abuse is widespread, the harassing calls continue, the abuse does not stop and a solution seems unattainable. Fortunately, the Fair Debt Collection Practices Act allows debtors to seek recourse against abusive debt collectors. The best solution is to get t ...
Tags: Abusive Debt Collectors, Fair Debt Collection Practices Act, Debt Collector Abuse, Harassing calls,
- The Fair Debt Collection Practices Act- Tips That Work
By: Norman Taylor | - When dealing with an abusive debt collector it is difficult to know where to start. Debtors may already know that debt collection agencies are fast approaching. Often times a first warning is the final notice in the mail, sometimes there is no notice at all. Dealing with debt collectors can be frustrating and sometimes will require a knack for negotiating. Sometimes, however, negotiating is not enough. The calls still continue, the abuse still runs rampant, and peace of mind is just a fleeting h ...
Tags: Abusive Debt Collectors, Fair Debt Collection Practices Act, Debt Collector Abuse, Norman Taylor &am
- Are You Being Chased By Debt Collectors?
By: Nick Messe | - Are bill collectors nipping at your heels? Do you hear their whining when you answer your phone? Are they howling out a sermon of fire and brimstone that has you quacking in your sneakers?
Debt collection is a huge business, and one that is growing by leaps and bounds every day. The whole world is run on the credit system, so is it any wonder that occasionally there's a blip and the whole thing gets rocked.
When this happens, the trickle down effect eventually gets ...
Tags: debt collection harassment, stop debt harassment, bill collectors, bad credit rating, FDCPA
- Abusive Debt Collectors Don"€™t Care What Fair Debt Collection Practices Act Says
By: Norman Taylor | - Debt collectors have strict regulations as to how they can and cannot collect a debt. Regulations are set in place to protect not only consumers but to discourage abusive collection practices that can negatively affect those collection agencies that are abiding by these regulations. The Fair Debt Collection Practices Act itself has some ambiguous areas that are intentionally left this way to protect such a wide array of violations. There is not one formula that fits for every violation.
...
Tags: Abusive debt collectors, Fair Debt Collection Practices Act, debt collector abuse, Norman Taylor &am
- Debt Collection Agencies Get Away With Violating Consumer Rights
By: Norman Taylor | - Contrary to a lot of information available on the web, collection agencies do not necessarily have to be registered and licensed by the state they are working in. This allows abusive debt collection agencies to escape the restrictions placed on them by the Fair Debt Collection Practices Act.
In California, debt collection companies do NOT have to register for a license nor are they subject to state financial regulators. In other states they do. As a result, there is nothing to pre ...
Tags: Fair Debt Collection Practices Act, help with debt problems, dealing with debt collectors, debt coll
- The Truth About Debt Collection Abuse - Understanding The Game
By: Norman Taylor | - To understand the game of debt collection, one must understand a few things, and how they relate to debt collection abuse. First, there are basically two types of debt collection agencies; reputable debt collection agencies and abusive debt collection agencies.
The reputable debt collection agency will aggressively push as hard as they are allowed within the law (and their own associations code of ethics) to get debtors to face the debt and to begin dealing with debt collectors ...
Tags: Fair Debt Collection Practices Act, Help With Debt Problems, Dealing with Debt Collectors, Debt Coll
- Collecting Action Figures As Hobby
By: sturat.mitchel | - Since many films and TV shows of past decades were revitalised and reintroduced, people get back to old craze of collecting action figures of all kinds. This hobby was much popular during the 80s and early 90s, when many action figures appeared in the market. Star wars was the first series of movies that introduced the several figures and personas that decorate many houses and kids rooms.
Original action figures hit the markets as a celebration of all these action adventu ...
Tags: Action Figures, Collecting Action Figures, figure collectors
- Collecting Dolls As A Hobby
By: sturat.mitchel | - Collecting dolls or other items is a part of human nature; everyone enjoys having small things of all kinds, using them as a decoration or as a simple private collection that one can enjoy. Some people collect everything uncontrollably, while some others tend to collect only items they like for particular reasons. Collecting vintage dolls or action figures is something that is quite common and popular. There are though some rules related to this hobby.
First of all people who get ...
Tags: Gi Joe Action Figure, Collecting Dolls, doll collectors,
- The Fair Debt Collection Practices Act- There Is Good News
By: Norman Taylor | - The United States government passed a Federal law to protect debtors from abusive debt collectors. The law, which was added in 1978 as Title VII of the Consumer Credit Protection Act, is called the Fair Debt Collection Practices Act (FDCPA). The purpose of this statute is to eliminate abusive practices from debt collectors. There is plenty of evidence out there of abusive, deceptive, and unfair debt collection practices by many debt collectors today.
Abusive debt collection contr ...
Tags: Fair Debt Collection Practices Act, Help With Debt Problems, Dealing with Debt Collectors, Debt Coll
- Fair Debt Collection Practices Act: Billionaires Get Away With Debt, But Not Consumers
By: Norman Taylor | - Its tough to watch Wall Street weasel out of the billions of dollars of damage they caused our economy, while the consumer gets harassed for a debt of $500. Wall Street gets off scot-free, but there is no pardoning the consumer of credit card debt, and for this reason, consumers should educate themselves on the Fair Debt Collection Practices Act.
The financial world seems upside down at the moment and it is only going to get worse as the impact of Wall Street trickles down to a ...
Tags: Fair Debt Collection Practices Act, Dealing with Debt Collectors, Norman Taylor & Associates, D
- Get Into The Exciting Hobby Of Stamp Collecting & Have Fun
By: Basant Behera | - Stamp collecting is considered as one of the most popular hobbies in the world which can be pursued with little investment. It is so easy to follow that almost everybody including sports celebrities, kings, presidents as well as general people can be a stamp enthusiast and enjoy collecting stamps as a part-time hobby. This makes stamp collecting, the peoples choice for last 150 years or more. Most of the stamp collectors throughout the world see great business prospective in this hobby and prefe ...
Tags: stamp collecting, stamp collectors, stamp collection items
- Saving Is Earning
By: Anthony Kevin | - All of us at one time or the other gets cash for a gift. How many of us crossed theroid to the nearest bank and opened a saving accounts? Very few. We might want to blow it off on the latest game software for the PS 1, 2 or now 3. That was about the childhood flippancy we may not leave behind and the habit of extravagance stays with us.
Saving habit inculcated as a child is one invaluable gift that goes a long way with us for a stress free life. We should not make it a habit and blame it ...
Tags: stop debt collectors, stop bill collectors, unfair debt collection practices, debt collection, debt collector, debt collectors, bill collectiors
- Everything That Coins Collectors Always Wanted To Know About
By: abhi sidana | - If you are someone who is itching to join the ever increasing number of coins collectors, then there is some good news waiting for you. Coin collection is a fantastic hobby that will last you a lifetime and something that you can pass on to your future generations. Moreover, with a bit of research and effort on your part, it also need not be an expensive hobby too.
Getting educated about coin collecting would be the best way to start. You can visit libraries and pick up reference ...
Tags: coins collectors
- How To Teach A Debt Collector The Disappearing Act
By: Anthony Kevin | - Third-party Debt collector or junk debt buyer is a bane from hell for anybody who got onto his hit list. We often read the horror stories dealt on innocent victims by the debt collectors, all over the web.
Debt Validation, Debt Verification and Cease & Desist Letters are very effective in putting a third-party debt collector or junk debt buyers at bay.
Mailing a Cease & Desist Letter along with filing your Notice of Appearance, Answer-Affirmative Defenses, and Certificate ...
Tags: debt collector harassment, debt collection harassment, debt collection, debt collectors, stop debt collectors, stop bill collectors, bill collectors
- 5 Questions Not To Answer When A Debt Collector Calls
By: Tony Anderson | - Debt collectors use a range of tactics to get you to open up about private information. You may be surprised as the questions you do NOT have to answer!
Do you know what you are legally bound to tell them, and what you aren't? Are you giving away too much information that will only make it easier for them to manipulate you?
Protect yourself! Know your rights, and know when they cross the line. Be aware of these 6 common debt collection questions that you do NOT ha ...
Tags: stop collection calls, dealing with debt collectors, stop debt collectors, debt collection calls, st
- 6 Things You Need To Know To Stop Collection Calls
By: Tony Anderson | - Being plagued with debt collection calls is a miserable experience. It's bad enough when they call you at home in the evenings, or on your mobile phone. Calls at work, calls to family and friends...it can feel like you've lost control.
Want to stop these harassing collection calls? Arm yourself with some key facts about debt collectors and your rights as a consumer. Be an educated consumer, and take back control of your phone! These facts about debt collection calls just may sur ...
Tags: dealing with debt collectors, stop debt collectors, debt collection calls, stop collection calls, st
- A Personal Loan Can Save Your Finances
By: Amanda Hash | - If you are one of many consumers who have surpassed their spending limit and are feeling the pressure of debt collectors or have suffered the closing of their credit cards, we can give you some interesting hints as to what can be done in these circumstances. It is true that it takes some patient negotiation and effort on your part, but it is absolutely repairable.
If You Are A Tenant
Not being a homeowner makes things a little harder for you, but there is always a ...
Tags: collectors, credit cards, unsecured personal loan, loan brokers
- How Should I Deal With Debt Collectors?
By: Devora Witts | - Debt collectors have become a new nuisance we will have to get used to. Besides knowing that there are some illegal practices you can report, there is not much you can do to stop the harassing calls and letters unless you are determined to solve your debt problems and start acting accordingly.
Defending Yourself From Debt Collectors Abuse
There is a Fair Debt Collection Practices Act that protects you from Debt Collectors misbehaviors when doing their job. For i ...
Tags: debt collectors, to solve your debt problems, fair debt collection practices act, bankruptcy, debt collector agencies, companies, financial institutions
- Once You Have Control Of Your Debt
By: CarsonDanfield | - It is a great feeling to get on top of your debt and know that you are able to make all your payments each month and not have to worry about debt collectors or paying for your groceries but now is not the time to stop doing the things that have helped turn your life around.
You will have become accustomed to using a budget to get your life in order and take control of your money and this budgeting should continue so you can move to the next level where you have additional money th ...
Tags: debt collectors, budgeting, financial stress, financial security, time management skills
- Managing Debt Collectors
By: CarsonDanfield | - Debt collectors have a job to do and they are paid accordingly as a percentage of the amount of money that they recover from you. Obviously it is in their best interest to recover as much money as possible and many of them will resort to all sorts of tactics in order to extract funds from you whether you can afford it or not.
Debt collectors are also aware that the majority of people don't know the laws as they stand with their powers of collection and the rights you have that can ...
Tags: debt collectors, powers of collection, best interest, best deals
- Four Simple Tips That Guarantee You'll Get Out Of Debt
By: Melissa Kellett | - If you are having difficulties paying your bills, if you cant meet the minimum payments on your credit cards, if youre receiving threatening calls from debt collectors, it may be time to get yourself committed to eliminating your debt. By following this advice youll be able to become debt free in a short time and stay on the right track to avoid having to suffer all the above annoyances anymore.
Many people go through the situation youre experiencing now; almost every ...
Tags: eliminate debt, paying bills, minimum payments, debt collectors, debt free, financial position, repayment program, bankruptcy, lenders, consolidation loan, bad
- Understanding The Value Of Older Coins
By: Victor Epand | - With any rule of thumb there are exceptions. Most older coins are not particularly an investment that any collector should purchase, unless the coins are these coins have been well preserved, which is the main reason every coin your purchase for your collection be carefully inspected.
There are a number of reference books that can help any collector to learn more about the coins they intend to purchase, but the more you learn about the coins you plan to invest in then the more you ...
Tags: rare coins, collectors, hobbies
- Purchasing With Caution For Your Collection
By: Victor Epand | - Before purchasing any coin for your collection be sure that the individual collector or dealer has the financial resources to be able to stand behind their return policies and that it is guarantee is iron clad. Do not be taken in by promises by anyone unless you are confident of their ability to give you your refund.
Be extremely cautious concerning any grading certificates, especially is they are issued by the dealers themselves, because grading is not an exact science. The certi ...
Tags: rare coins, collectors, hobbies
- The Romance Of Collecting Coins
By: Victor Epand | - Individuals who have chosen to collect coins as a hobby have a passionate desire to create the perfect collection with the hope of building their collection with substantial value. As the individual begins to collect and research coins for their collection they uncover the romance of the oldest hobby in the world.
A collection can not be acquired instantly, in fact, it takes years to build a collection that is filled with value, charm, interest, and real sense of history. By resea ...
Tags: rare coins, collectors, hobbies
- Selecting A Dealer To Buy Coins From
By: Victor Epand | - Collecting coins is a wonderful hobby, but you must build networks between yourself, other collectors, and dealers. Your relationship with your dealers will enable you to trade for valuable coins that may be missing from your collections or sets, which is one great reason why you need to select a dealer and build and relationship with them.
The question is how do you determine which dealer would be the best choice for you and your individual needs as a collector. The dealer you ch ...
Tags: rare coins, collectors, hobbies
- Ancient Coins Bring Amazing Stories
By: Victor Epand | - Each coin will tell a story whether it is of greed, hatred, lust, or love, but only if the collector is willing to spend the time it takes to research the history of their coins. Those collectors who are fortunate enough to own any variety of ancient coin are able to take a trip into history about a world long forgotten, except with these wonderful coins.
One type of ancient coin that was supposedly lost or buried was the coins from Chessington, which were made near Gaul, which we ...
Tags: rare coins, collectors, hobbies
- A Variety Of Ways To Collect
By: Victor Epand | - Individuals have always been extremely fascinated in any items that may propose an increase in value and many collectors have found that collecting coins has become an intense hobby. There is no set order of how a collector should collect coins for their collection although the availability of these beautiful coins is unlimited.
Collecting coins have been gaining a tremendous amount of ground for centuries while coins are made of the most precious metals in the world, which includ ...
Tags: rare coins, collectors, hobbies
- History Of Coin Mint Marks
By: Victor Epand | - One other problem that could possibly occur that mint marks protects against is a dishonest mint officially debasing the coin by putting less precious metal within the coin than specified.
The Greeks developed the first mint marks, which were called "Magistrate Marks" and would name the Magistrate who was in charge of producing that particular coin. In many civilizations debasing a coin is a very serious offense and punishable by death. An example of this practice occurred in 164 ...
Tags: rare coins, collectors, hobbies
- Proper Handling Of Your Collection
By: Victor Epand | - Your skin is covered with oils and acids that can be detrimental to your coins.
When handling your coins with your bare hands can leave them with covered with oils and acids that comes off of your skin. This acid can eventually eat into the surface of the metal and damage your valuable coins. If you must handle your collection with your bare hands, then be sure to wash and rinse your hands thoroughly and dry them on a clean towel before you begin handling the coins. It is always ...
Tags: rare coins, collectors, hobbies
- Why Individuals Choose To Collect Coins
By: Victor Epand | - There are a variety of reasons why individuals start collecting coins, but the most common seems to be that they tell unique stories. By understanding the past of the coin you will have a better understanding of each coin you collect.
Appreciating the value of coins is another reason why collectors desire these rare coins, such as silver, gold, and platinum coins, but other are just as valuable because they are rare. One of the oldest hobbies, which was once practiced only by king ...
Tags: rare coins, collectors, hobbies
- Collectors Grading Scale Authorized By The Ana
By: Victor Epand | - Coins in the United States are often graded using a scale that has been created by the American Numismatic Association, which is a non-profit organization that was created in 1891 and then chartered by the United States Congress in 1912.
A proof coin is distinguished by its sharp detail and brilliant mirror-like surface. Also a proof is not necessarily a condition, but instead it is the method of manufacturing, simply implying perfect mint state. Uncirculated coins are struck lik ...
Tags: rare coins, collectors, hobbies
- Debt Collectors? Learn To Give Them The Slip - Legally
By: William Brooks | - The title 'debt collector' is self explanatory and clearly states what such a person does. If you owe money to a lender and there has been a delay in payments over the past few months the lender may choose to either use their in-house service or employ a specialized debt collection service provider.
If it is a third party i.e. a specialized collection agency, they usually purchase your debts for less than you owe from your lender and then the debt becomes theirs. Therefore, they n ...
Tags: debt elimination, debt collectors, debt relief, get out of debt, defeat debt collectors
- Comparison Of Polaroid Cameras
By: Victor Epand | - The Polaroid Automatic 100 was introduced in 1963 and manufactured through 1966. It was Polaroid's first camera to use their instant "film pack" technology, a great improvement over their earlier roll style films, and was immensely successful. So successful that zillions of them were sold, and therefore zillions are still sitting in closets and attics today.
Unfortunately, Polaroid's generate minimal collectible interest, the film pack and roll film models are no longer usable, f ...
Tags: collectors, cameras, Polaroids, film pack, SX-70, exposure, Model 100, Model 95
- Postcards: Postcards From The Past
By: Joseph Ould | - Post card collectors or more formally deltiologists, generally collect post cards for the view, subject depicted, topic, artist, publisher, photographer or any of hundreds of reasons relating to the front view of the post card. They are very much intrigued by the uniqueness and the view of a much simpler time in history.
If you are lucky enough to have postcards sent or received by your ancestors you may learn unknown information about the family, gain handwriting samples and ev ...
Tags: Postcards, post card, Post card collectors, philatelist, collects, card, postal historian, used post card, collection, family history, history, family, hobby, hobb
- Dust Collectors
By: Stephen_HP | - Dust is the product of pollution. Dust can cause serious health problems such as asthma, itching and dust allergies. A new method to clean up has been introduced called dust controlling system. Dust collectors are become very popular as it offers a variety of cleaning up methods.
The main motive behind the dust collectors is to filter the air of the dust present in it. This can help both the people who are using it and also the society. The use of dust collectors can also help an industr ...
Tags: Dust Collectors
- Ancient Greek Pottery
By: Terry Kubiak | - The pottery of ancient Greece is one of the most tangible and iconic elements of ancient Greek art. The colorful vases and pots of the ancient Greeks have survived in large numbers and are today highly prized as collectors items.
Ancient Greeks made pottery for everyday use, not for display, the trophies won at games such as the Panathenaic amphorae (used for storage), are the exception. Most surviving pottery consists of drinking vessels such as amphorae, kraters (bowls for mixin ...
Tags: pottery, ancient Greece, ancient Greek, ancient Greek art, vases, ancient Greeks, collectors items, antiquities, store, shop, online,
- Young Art Collectors
By: dave4 | - It is common belief that collecting art is something that only those belonging to a much older generation do. This may be true when it comes to works of art by the so-called Old MastersRembrandt, Caravaggio, El Greco and many otherswhich often go for sums that can only be described as astronomical. But with the advent of contemporary art, an entirely fresh bunch of thirtysomething and fortysomething art collectors are crowding art galleries all over the world trying to get their hands on m ...
Tags: Young Art Collectors
- Collecting Mexican Folk Art 101
By: Sheila Hull-Summers | - I love Mexican folk art! Whenever possible, I try to buy it directly from the artisans who create it. The pieces that speak to me, I keep and add to my own collection. The others, I share with family and friends as gifts, or sell to other collectors and home decor aficionados.
Many people collect museum quality artwork by world renowned Mexican artists. Others choose practical items such as talavera dishes, hand-woven textiles or silver jewelry. Some prefer items of a ceremonial o ...
Tags: mexican folk art, collectors, home decor, beaded masks, prayer bowls, Oaxacan wood carvings
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