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050-890 exam plan - Advanced Novell Network Management;Netware 6.5

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Exam Code: 050-890 Advanced Novell Network Management;Netware 6.5 exam plan 2023 by Killexams.com team
Advanced Novell Network Management;Netware 6.5
Novell Management;Netware exam plan

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050-886 Foundation of Novell Networking: NetWare 6.5
050-890 Advanced Novell Network Management;Netware 6.5
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This document explains how to install, configure and run Apache 2.0 under Novell NetWare 6.0 and above. If you find any bugs, or wish to contribute in other ways, please use our bug reporting page.

The bug reporting page and dev-httpd mailing list are not provided to answer questions about configuration or running Apache. Before you submit a bug report or request, first consult this document, the Frequently Asked Questions page and the other relevant documentation topics. If you still have a question or problem, post it to the novell.devsup.webserver newsgroup, where many Apache users are more than willing to answer new and obscure questions about using Apache on NetWare.

Most of this document assumes that you are installing Apache from a binary distribution. If you want to compile Apache yourself (possibly to help with development, or to track down bugs), see the section on Compiling Apache for NetWare below.

Apache 2.0 is designed to run on NetWare 6.0 service pack 3 and above. If you are running a service pack less than SP3, you must install the latest NetWare Libraries for C (LibC).

NetWare service packs are available here.

Apache 2.0 for NetWare can also be run in a NetWare 5.1 environment as long as the latest service pack or the latest version of the NetWare Libraries for C (LibC) has been installed . WARNING: Apache 2.0 for NetWare has not been targeted for or tested in this environment.

Information on the latest version of Apache can be found on the Apache web server at http://www.apache.org/. This will list the current release, any more recent alpha or beta-test releases, together with details of mirror web and anonymous ftp sites. Binary builds of the latest releases of Apache 2.0 for NetWare can be downloaded from here.

There is no Apache install program for NetWare currently. If you are building Apache 2.0 for NetWare from source, you will need to copy the files over to the server manually.

Follow these steps to install Apache on NetWare from the binary obtain (assuming you will install to sys:/apache2):

  • Unzip the binary obtain file to the root of the SYS: volume (may be installed to any volume)
  • Edit the httpd.conf file setting ServerRoot and ServerName along with any file path values to reflect your correct server settings
  • Add SYS:/APACHE2 to the search path, for example:

Follow these steps to install Apache on NetWare manually from your own build source (assuming you will install to sys:/apache2):

  • Create a directory called Apache2 on a NetWare volume
  • Create a directory under SYS:/APACHE2 called BIN
  • Create a directory under SYS:/APACHE2 called CONF
  • Copy the HTTPD-STD.CONF file to the SYS:/APACHE2/CONF directory and rename to HTTPD.CONF
  • Copy the MIME.TYPES, CHARSET.CONV and MAGIC files to SYS:/APACHE2/CONF directory
  • Copy all files and subdirectories in \HTTPD-2.0\DOCS\ICONS to SYS:/APACHE2/ICONS
  • Copy all files and subdirectories in \HTTPD-2.0\DOCS\MANUAL to SYS:/APACHE2/MANUAL
  • Copy all files and subdirectories in \HTTPD-2.0\DOCS\ERROR to SYS:/APACHE2/ERROR
  • Copy all files and subdirectories in \HTTPD-2.0\DOCS\DOCROOT to SYS:/APACHE2/HTDOCS
  • Create the directory SYS:/APACHE2/LOGS on the server
  • Create the directory SYS:/APACHE2/CGI-BIN on the server
  • Create the directory SYS:/APACHE2/MODULES and copy all nlm modules into the modules directory
  • Edit the HTTPD.CONF file searching for all @@Value@@ markers and replacing them with the appropriate setting
  • Add SYS:/APACHE2 to the search path, for example:

Apache may be installed to other volumes besides the default SYS volume.

During the build process, adding the keyword "install" to the makefile command line will automatically produce a complete distribution package under the subdirectory DIST. Install Apache by simply copying the distribution that was produced by the makfiles to the root of a NetWare volume (see: Compiling Apache for NetWare below).

To start Apache just type apache at the console. This will load apache in the OS address space. If you prefer to load Apache in a protected address space you may specify the address space with the load statement as follows:

load address space = apache2 apache2

This will load Apache into an address space called apache2. Running multiple instances of Apache concurrently on NetWare is possible by loading each instance into its own protected address space.

After starting Apache, it will be listening to port 80 (unless you changed the Listen directive in the configuration files). To connect to the server and access the default page, launch a browser and enter the server's name or address. This should respond with a welcome page, and a link to the Apache manual. If nothing happens or you get an error, look in the error_log file in the logs directory.

Once your basic installation is working, you should configure it properly by editing the files in the conf directory.

To unload Apache running in the OS address space just type the following at the console:


If apache is running in a protected address space specify the address space in the unload statement:

unload address space = apache2 apache2

When working with Apache it is important to know how it will find the configuration files. You can specify a configuration file on the command line in two ways:

  • -f specifies a path to a particular configuration file

apache2 -f "vol:/my server/conf/my.conf"

In these cases, the proper ServerRoot should be set in the configuration file.

If you don't specify a configuration file name with -f, Apache will use the file name compiled into the server, usually conf/httpd.conf. Invoking Apache with the -V switch will display this value labeled as SERVER_CONFIG_FILE. Apache will then determine its ServerRoot by trying the following, in this order:

  • A ServerRoot directive via a -C switch.
  • The -d switch on the command line.
  • Current working directory
  • The server root compiled into the server.

The server root compiled into the server is usually sys:/apache2. invoking apache with the -V switch will display this value labeled as HTTPD_ROOT.

Apache 2.0 for NetWare includes a set of command line directives that can be used to modify or display information about the running instance of the web server. These directives are only available while Apache is running. Each of these directives must be preceded by the keyword APACHE2.

Instructs Apache to terminate all running worker threads as they become idle, reread the configuration file and restart each worker thread based on the new configuration.
Displays version information about the currently running instance of Apache.
Displays a list of loaded modules both built-in and external.
Displays a list of all available directives.
Enables or disables the thread status display on the console. When enabled, the state of each running threads is displayed on the Apache console screen.
Terminates the running instance of the Apache web server.
Describes each of the runtime directives.

By default these directives are issued against the instance of Apache running in the OS address space. To issue a directive against a specific instance running in a protected address space, include the -p parameter along with the name of the address space. For more information type "apache2 Help" on the command line.

Apache is configured by reading configuration files usually stored in the conf directory. These are the same as files used to configure the Unix version, but there are a few different directives for Apache on NetWare. See the Apache documentation for all the available directives.

The main differences in Apache for NetWare are:

  • Because Apache for NetWare is multithreaded, it does not use a separate process for each request, as Apache does on some Unix implementations. Instead there are only threads running: a parent thread, and multiple child or worker threads which handle the requests.

    Therefore the "process"-management directives are different:

    MaxRequestsPerChild - Like the Unix directive, this controls how many requests a worker thread will serve before exiting. The recommended default, MaxRequestsPerChild 0, causes the thread to continue servicing request indefinitely. It is recommended on NetWare, unless there is some specific reason, that this directive always remain set to 0.

    StartThreads - This directive tells the server how many threads it should start initially. The recommended default is StartThreads 50.

    MinSpareThreads - This directive instructs the server to spawn additional worker threads if the number of idle threads ever falls below this value. The recommended default is MinSpareThreads 10.

    MaxSpareThreads - This directive instructs the server to begin terminating worker threads if the number of idle threads ever exceeds this value. The recommended default is MaxSpareThreads 100.

    MaxThreads - This directive limits the total number of work threads to a maximum value. The recommended default is ThreadsPerChild 250.

    ThreadStackSize - This directive tells the server what size of stack to use for the individual worker thread. The recommended default is ThreadStackSize 65536.

  • The directives that accept filenames as arguments must use NetWare filenames instead of Unix names. However, because Apache uses Unix-style names internally, forward slashes must be used rather than backslashes. It is recommended that all rooted file paths begin with a volume name. If omitted, Apache will assume the SYS: volume which may not be correct.

  • Apache for NetWare has the ability to load modules at runtime, without recompiling the server. If Apache is compiled normally, it will install a number of optional modules in the \Apache2\modules directory. To activate these, or other modules, the LoadModule directive must be used. For example, to active the status module, use the following:

    LoadModule status_module modules/status.nlm

    Information on creating loadable modules is also available.

Additional NetWare specific directives:

  • CGIMapExtension - This directive maps a CGI file extension to a script interpreter.
  • NWSSLTrustedCerts - Adds trusted certificates that are used to create secure connections to proxied servers.
  • NWSSLUpgradeable - Allow a connection created on the specified address/port to be upgraded to an SSL connection.

Compiling Apache requires MetroWerks CodeWarrior 6.x or higher. Once Apache has been built, it can be installed to the root of any NetWare volume. The default is the sys:/Apache2 directory.

Before running the server you must fill out the conf directory. Copy the file HTTPD-STD.CONF from the distribution conf directory and rename it to HTTPD.CONF. Edit the HTTPD.CONF file searching for all @@Value@@ markers and replacing them with the appropriate setting. Copy over the conf/magic and conf/mime.types files as well. Alternatively, a complete distribution can be built by including the keyword install when invoking the makefiles.


The following development tools are required to build Apache 2.0 for NetWare:

Building Apache using the NetWare makefiles:

  • Set the environment variable NOVELLLIBC to the location of the NetWare Libraries for C SDK, for example:

    Set NOVELLLIBC=c:\novell\ndk\libc

  • Set the environment variable METROWERKS to the location where you installed the Metrowerks CodeWarrior compiler, for example:

    Set METROWERKS=C:\Program Files\Metrowerks\CodeWarrior

    If you installed to the default location C:\Program Files\Metrowerks\CodeWarrior, you don't need to set this.
  • Set the environment variable LDAPSDK to the location where you installed the LDAP Libraries for C, for example:

    Set LDAPSDK=c:\Novell\NDK\cldapsdk\NetWare\libc

  • Set the environment variable ZLIBSDK to the location where you installed the source code for the ZLib Library, for example:

    Set ZLIBSDK=D:\NOVELL\zlib

  • Set the environment variable AP_WORK to the full path of the httpd source code directory.

    Set AP_WORK=D:\httpd-2.0.x

  • Set the environment variable APR_WORK to the full path of the apr source code directory. Typically \httpd\srclib\apr but the APR project can be outside of the httpd directory structure.

    Set APR_WORK=D:\apr-1.x.x

  • Set the environment variable APU_WORK to the full path of the apr-util source code directory. Typically \httpd\srclib\apr-util but the APR-UTIL project can be outside of the httpd directory structure.

    Set APU_WORK=D:\apr-util-1.x.x

  • Make sure that the path to the AWK utility and the GNU make utility (gmake.exe) have been included in the system's PATH environment variable.
  • Download the source code and unzip to an appropriate directory on your workstation.
  • Change directory to \httpd-2.0 and build the prebuild utilities by running "gmake -f nwgnumakefile prebuild". This target will create the directory \httpd-2.0\nwprebuild and copy each of the utilities to this location that are necessary to complete the following build steps.
  • Copy the files \httpd-2.0\nwprebuild\GENCHARS.nlm and \httpd-2.0\nwprebuild\DFTABLES.nlm to the SYS: volume of a NetWare server and run them using the following commands:

    SYS:\genchars > sys:\test_char.h
    SYS:\dftables sys:\chartables.c

  • Copy the files test_char.h and chartables.c to the directory \httpd-2.0\os\netware on the build machine.
  • Change directory to \httpd-2.0 and build Apache by running "gmake -f nwgnumakefile". You can create a distribution directory by adding an install parameter to the command, for example:

    gmake -f nwgnumakefile install

Additional make options

  • gmake -f nwgnumakefile

    Builds release versions of all of the binaries and copies them to a \release destination directory.

  • gmake -f nwgnumakefile DEBUG=1

    Builds debug versions of all of the binaries and copies them to a \debug destination directory.

  • gmake -f nwgnumakefile install

    Creates a complete Apache distribution with binaries, docs and additional support files in a \dist\Apache2 directory.

  • gmake -f nwgnumakefile prebuild

    Builds all of the prebuild utilities and copies them to the \nwprebuild directory.

  • gmake -f nwgnumakefile installdev

    Same as install but also creates a \lib and \include directory in the destination directory and copies headers and import files.

  • gmake -f nwgnumakefile clean

    Cleans all object files and binaries from the \release.o or \debug.o build areas depending on whether DEBUG has been defined.

  • gmake -f nwgnumakefile clobber_all

    Same as clean and also deletes the distribution directory if it exists.

Additional environment variable options

  • To build all of the experimental modules, set the environment variable EXPERIMENTAL:
  • To build Apache using standard BSD style sockets rather than Winsock, set the environment variable USE_STDSOCKETS:

Building mod_ssl for the NetWare platform

By default Apache for NetWare uses the built-in module mod_nw_ssl to provide SSL services. This module simply enables the native SSL services implemented in NetWare OS to handle all encryption for a given port. Alternatively, mod_ssl can also be used in the same manner as on other platforms.

Before mod_ssl can be built for the NetWare platform, the OpenSSL libraries must be provided. This can be done through the following steps:

  • Download the recent OpenSSL 0.9.8 release source code from the OpenSSL Source page (older 0.9.7 versions need to be patched and are therefore not recommended).
  • Edit the file NetWare/set_env.bat and modify any tools and utilities paths so that they correspond to your build environment.
  • From the root of the OpenSSL source directory, run the following scripts:

    Netware\set_env netware-libc
    Netware\build netware-libc

    For performance reasons you should enable to build with ASM code. obtain NASM from the SF site. Then configure OpenSSL to use ASM code:

    Netware\build netware-libc nw-nasm enable-mdc2 enable-md5

    Warning: dont use the CodeWarrior Assembler - it produces broken code!
  • Before building Apache, set the environment variable OSSLSDK to the full path to the root of the openssl source code directory, and set WITH_MOD_SSL to 1.

    Set OSSLSDK=d:\openssl-0.9.8x
    Set WITH_MOD_SSL=1

Sat, 02 Oct 2021 15:29:00 -0500 en text/html https://dof.gob.mx/manual/en/platform/netware.html
Killexams : Pond Management Plan

Fish assessment

Sun FishIf you have an existing pond on your property, the next step after setting pond management goals is to assess the current status of the pond. This will deliver you a starting point for pond management decisions as well as a baseline to evaluate future changes. Without knowing what fish and plants are in the pond, it is impossible to plan for the future. It is also important to conduct routine assessments of fish populations so that you can determine if your management is yielding the desired results, or to identify problems before they get out of control. Detailed information on pond assessment can be found in FNR-598-W.

Fish assessment can be as simple or comprehensive as you’d like. Simple fish assessment can be done by going fishing and recording the species and size of each fish caught. It is important to use fishing methods that are likely to capture a wide range of species and sizes (e.g. bobber fishing with nightcrawlers, fishing with soft plastic and other lures). It is essential that you record accurate data on the fish that you catch, and that you keep these records for a number of years. You can then review your fishing records to determine specific fish management, harvest and stocking requirements. You can find tables to record your fish data in FNR-599-W.

Other fish sampling methods, such as netting and electrofishing, can be done to get a more comprehensive idea of the fish community in your pond. It’s best to work with fish biologists, such as Purdue Extension Educators or private consultants, to conduct these comprehensive fish assessments.

Fish species identification

sunfishes1.jpgThere are hundreds of fish species that live in streams and lakes in Indiana, and many of these can show up in ponds. However, there are relatively few fish species that are well-suited to Indiana ponds. Many fish species can cause problems with overpopulation or habitat degradation. Therefore, it is important to know what fish are in your pond.

Our fish species identification guide will help you identify the 30 most common fish species found in Indiana ponds. The guide will also highlight which species are best suited to ponds and which species should be avoided or eradicated. For help with Indiana pond fish species identification, please refer to Purdue Extension Publication FNR-584.

Fish stocking

StockingFish stocking is typically only required for new or renovated ponds, or ponds that have undergone a significant fish kill. Many other fish problems, such as stunted fish populations, are actually made worse through fish stocking and are best addressed through harvest or other fish management.

Fish stocking is a lot like planning for retirement – you need to have a vision of your ultimate goal. It is important that you start off on the right foot so that you can reap the rewards down the track. Stocking the wrong species or the wrong balance of fish often results in many problems that are difficult to rectify later.

Four fish species are recommended for stocking in Indiana Ponds: bluegill, redear sunfish, largemouth bass and channel catfish. These species can yield balanced fish populations that provide good fishing opportunities and food for the table. Bluegill and redear are important prey for bass, while bass are important predators of these sunfishes. This predator-prey relationship is what maintains balance in pond fish populations. Therefore, it is essential to stock these species at the correct sizes and ratio to start off on the right foot. Channel catfish do not significantly contribute to this predator-prey relationship in ponds and can be stocked in combination with these species or on their own.

Grass carp and tilapia are two species that can be stocked in ponds to help control aquatic vegetation. Grass carp only eat pondweeds and do not eat filamentous algae, duckweed or cattails. Tilapia prefer to eat filamentous algae, although they may also consume some pondweeds. It is recommended that you work with a pond consultant of fish biologist if wishing to stock these species.

Fish should always be sourced from a licensed fish hatchery. This will ensure that 1) you get the correct species for your pond, 2) you get high-quality and healthy fish, and 3) you don’t introduce disease or parasites into your pond. While it may seem tempting to collect your own fish from other ponds, lakes or streams, this may cause significant problems for your pond down-the-track.

For more information on stocking fish in Indiana ponds, please refer to Purdue Extension Publication FNR-569.

Tue, 03 May 2022 07:27:00 -0500 en text/html https://extension.purdue.edu/pondwildlife/fish-population-management.html
Killexams : How to Develop a Supply Chain Management Plan

Linda Ray is an award-winning journalist with more than 20 years reporting experience. She's covered business for newspapers and magazines, including the "Greenville News," "Success Magazine" and "American City Business Journals." Ray holds a journalism degree and teaches writing, career development and an FDIC course called "Money Smart."

Fri, 20 Jul 2018 04:41:00 -0500 en-US text/html https://smallbusiness.chron.com/develop-supply-chain-management-plan-79071.html
Killexams : Pros and Cons of Debt Management Plans

Debt management plans are a way to pay off your balances by working with a nonprofit credit counseling agency. With this approach, you can pay off your debts in five years or less and get other help managing your money. However, debt management plans are not for everyone, and there are some downsides to consider. Here’s what you need to know about the advantages and disadvantages.

Key Takeaways

  • Debt management plans allow you to pay off your debt in five years or less.
  • To start a debt management plan, you need to work with a nonprofit credit counseling agency.
  • There may be enrollment and maintenance fees to take part in a debt management plan.
  • Debt management plans are only for unsecured forms of debt, such as most credit cards.

What Is a Debt Management Plan? 

When you enroll in a debt management plan, you’ll work with a nonprofit credit counseling agency. Your counselor will contact your creditors to gain their participation and may be able to get them to reduce your interest rates, lower your monthly payments, or waive their late fees. A counselor can also help you create a budget, reduce your expenses, and better manage your money. 

Under a debt management plan, you’ll make just one monthly payment to the credit counseling agency rather than paying your creditors directly. The counseling agency will disburse the money to your creditors on your behalf, based on a payment schedule they set.

Debt management plans require consistent monthly payments. They usually take three to five years to complete, and you must agree not to use or take on any additional credit during that time. You will likely have to close the credit cards that are part of the plan. At the end of your debt management plan, your accounts will be completely paid off, and you’ll be debt-free.

The Pros and Cons of Debt Management Plans


  • Become debt-free within five years: Under a debt management plan, you typically pay off all of your existing accounts within five years. 
  • Simplify your payments: Instead of having multiple payments and due dates to remember, you’ll make just one payment to the credit counseling agency. Having only one payment can make it easier to manage your money. 
  • Improve your credit score: As you start making payments under the debt management plan, you may gradually Strengthen your credit score.


  • Lose access to credit cards: To ensure you don’t rack up additional debt, credit counseling agencies will require you to stop using or even close your existing credit cards.
  • No new lines of credit: While enrolled in a debt management plan, you typically cannot open any new lines of credit, such as an auto loan or a personal loan.
  • Creditors may not participate: Not all creditors will agree to participate in a debt management plan. Student loans and secured debt is often excluded.

3 Credit Counseling Agencies to Consider

There are many credit counseling agencies in operation. While there are typically enrollment and maintenance fees, some agencies will waive those fees in certain circumstances. 

Below are three nonprofit credit counseling agencies that offer debt management plans: 

Be aware of scam artists that may pose as legitimate credit counselors. When evaluating potential agencies, make sure they are nonprofit organizations.

Check any credit agency that you’re considering using with your state attorney general and/or your state consumer protection agency. The United States Trustee Program also has a list of credit counseling agencies. 

Alternatives to Debt Management Plans

While debt management plans can be effective tools for repaying your debt, they’re not always the best strategy. For example, secured debts and student loans aren’t eligible for debt management plans, and credit counseling agencies may cap how much debt you can have to participate. 

As you consider if a debt management plan is right for you, consider these alternatives: 

  1. Debt consolidation: With debt consolidation, you take out a loan and use it to pay off your older existing accounts. With fixed payments and a potentially lower interest rate, a debt consolidation loan can help you save money and accelerate your repayment.
  2. Debt settlement: Debt settlement is a risky strategy where you stop making payments and try to negotiate with your creditors for a smaller amount. 
  3. Bankruptcy: If your debt is more than you can afford to pay off, then filing for bankruptcy can remove your obligation to repay all of it. However, bankruptcy will remain on your credit reports for seven or 10 years, depending on the type of bankruptcy. The negative impact to your credit report will make it difficult for you to borrow in the future. 

If you aren’t sure which approach is best for your situation, contact a nonprofit credit counseling agency and talk with a counselor about your options. 

What Is the Purpose of a Debt Management Plan?

With a debt management plan, you’ll make just one monthly payment to the credit counseling agency rather than paying your creditors directly. The counseling agency will disburse the money to your creditors on your behalf, based on a payment schedule they agree on together. Debt management plans require consistent monthly payments. They usually take three to five years to complete.

Can I Set Up a DMP Myself?

You can set up your debt management plan (DMP) yourself, but you then have to manage your own payments and administer it yourself. Some debt management companies charge for DMPs, but some charities provide this service for free.

Should I Include All Debts in a Debt Management Plan?

You can aim to include all debts in a debt management plan, but not all debt will qualify. Mortgages and other 'secured' debts are not covered by a debt management plan, but in many cases it makes sense to include all of the debt that qualifies.

The Bottom Line

Debt management plans allow you to pay off your debt in five years or less. To start a debt management plan, you need to work with a nonprofit credit counseling agency.

There may be enrollment and maintenance fees to take part in a debt management plan, and debt management plans are only for unsecured forms of debt, such as most credit cards. However, they can help you simplify your debt repayments, and ultimately allow you to get out of debt more quickly.

Thu, 09 Mar 2023 12:02:00 -0600 en text/html https://www.investopedia.com/pros-and-cons-of-debt-management-plans-5113946
Killexams : Best CFP exam Prep Courses of 2023

We independently evaluate all recommended products and services. If you click on links we provide, we may receive compensation. Learn more.

Certified Financial Planner (CFP) is a professional designation for the financial planning profession. Financial planners can earn the CFP designation after completing the CFP Board's education, exam, experience, and ethics requirements.

One of the more challenging steps in the process, the CFP exam, is a pass-or-fail test. You may register for the CFP exam after meeting the CFP Board's education requirements. Once you pass the exam, you will be one step closer to becoming a CFP professional, one of the most elite financial planning designations.

To create our list of the best CFP exam prep courses, we compared each program's features, including reputation, cost, guarantees, course materials, in-person classes, special features, and more. These are the best CFP exam prep courses for aspiring CFP professionals.

Tue, 12 Jan 2016 02:00:00 -0600 en text/html https://www.investopedia.com/best-cfp-exam-prep-courses-5094913
Killexams : How to Prepare a Risk Management Plan for a Food Event

Alison McConnell is a writer based in Washington, DC. She has more than 13 years of experience covering courses in economics, business, personal finance, fitness, health and nutrition. She has worked as a writer and editor for newspapers, magazines, websites and radio. McConnell holds a BA in economics from Bowdoin College and has worked as a strength and conditioning coach since 2009.

Sun, 22 Jul 2018 16:20:00 -0500 en-US text/html https://smallbusiness.chron.com/prepare-risk-management-plan-food-event-67785.html
Killexams : A debt management plan: Is it best for you?

Sky-high inflation, turbulent markets and ballooning interest rates have made life tough for consumers. To wit: Half of Americans reported that they are financially worse off now compared to last year, according to a recent Gallup poll. 

Debtholders, thanks to higher borrowing costs, have had it particularly rough. If your red ink has become overwhelming, one option to consider is a debt management plan (DMP). 

What is debt management?

In a debt management plan (DMP), clients work with a consumer credit counseling agency to come up with a repayment plan and follow through on it.  

“We also work with your creditors to lower interest rates, waive or eliminate fees and stop collection calls,” said Tayri Martinez-Orza, a quality assurance specialist at GreenPath Financial Wellness, a nonprofit financial counseling service. 

If the creditor is willing to negotiate, “clients end up saving money on interest and getting out of debt sooner because more of the payment goes toward reducing the principal balance,” Martinez-Orza said.

Who would need a debt management plan?

A debt management plan is best for people who are stressed about their obligations, but aren’t yet in dire straits. If you have a pile of debt built up, are struggling to make payments and starting to fall behind, it might be for you. 

“DMPs are generally best for those facing a less-severe financial hardship,” said Sean Fox, president of Achieve Debt Resolution, a personal financial services company.

If you are several months behind on all of your payments, and getting regular calls from debt collectors, you might benefit from a DMP.

How debt management works

Think of the DMP itself as a roadmap, crafted in consultation with a credit counselor, that will help you work down unsecured debt, such as credit cards, as cheaply and quickly as possible.

Your debt management counselor negotiates with your creditors to reduce fees and interest rates, then helps you to both create the plan and stick with it. In many cases, you’ll make one payment to the agency, which will then pay your creditors on your behalf. You do not open a new loan or take on more debt. In fact, the accounts in debt may be closed. 

A plan with a non-profit provider will likely come with a free initial consultation, but you’ll likely have to pay a fee for the service. (National rates are capped at $79, but some states have lower limits.)  Beware for-profit providers, and make sure to avoid credit counselors that charge exorbitant fees. The Consumer Financial Protection Bureau (CFPB) recommends you receive a fee quote in writing. 

You will need discipline, though, to succeed. Most plans are three-to-five years long, and only work if you keep up with your payments. 

Pros of debt management plan

Setting a goal and getting a professional on your side can help you to see a light at the end of the tunnel of debt.

Lower interest rates and fees

If your creditors agree to work with your debt counselor, you could get a lower interest rate and cancel or, perhaps, stop incurring fees. Your creditors may agree to lower rates or fees because you’ve made a concerted effort to pay them back. The debt is unsecured, after all, and they may receive less if you ultimately declare bankruptcy

Stop collection calls

With a DMP in place and money being paid, your creditors may stop contacting you and causing you stress. 

Whether you have a DMP or not, you have the right to tell a debt collector to cease communicating with you based on the Fair Debt Collection Practices Act (FDCPA).

If you are dealing with constant calls, follow these steps outlined by the CFPB:

  • Identify who the creditor is, including their address and phone number.
  • Find out how much is owed, including any fees, interest or collection costs.
  • Ask when the debt was incurred and for what purpose.
  • Determine the name of the original creditor.
  • Make sure it is you, and not someone else, who owes the debt.

Work with a non-profit organization

You work with a credit counseling agency to craft a DMP. They are not-for-profit organizations and their goal is to assist consumers. Other debt solutions require you to work with for-profit businesses like lawyer firms and debt settlement companies. 

Nonprofits typically charge fewer fees than for-profit businesses. Search the National Foundation for Credit Counseling or Financial Counseling Association of America to find a counselor that fits your needs. 

A single payment

One of the biggest benefits of a debt management plan is that you could get a streamlined, single payment.

A single payment can help you save money, as you’re less likely to miss a payment, incur late fees and face mounting interest. Moreover, the simplicity of dealing with one monthly payment, rather than several, will make your finances easier to manage. 

A financial road map 

The payment schedule sets a goal for you to reach and tells you how to get there. It provides a timeframe and you can see when you’ll eliminate your debt. 

A DMP, with a payment due each month, will hold your fee to the fire, and make it less likely that you delay your debt payments. 

A chance to Strengthen your credit

The largest factor used to calculate your FICO credit score is payment history (35%), followed by amounts owed (30%), length of credit history (15%), credit mix (10%) and new credit (10%). 

“Making those timely payments will typically Strengthen your credit over time,” said Martinez-Orza.

You might also be able to re-age your credit accounts, changing their status to current, then your DMP payments will be recorded as one-time, and thereby incrementally improving your credit.

However, if your credit cards are closed, then your credit utilization may rise, which could negatively affect your credit.

Regardless, you need to take the longview: working down your debt will help your score in the long run.

Cons of debt management

A DMP isn’t always the answer and following through on one might not be easy. 

It’s not debt elimination 

It’s important to note that DMP doesn’t erase debt; you will still be paying it off. This can cause challenges if you’re not prepared.

“In many cases, consumers attempt a debt management plan, but eventually wind up filing bankruptcy because they can’t afford the payments,” said Fox.

Unsecured debt only

A DMP only applies to what you owe from credit cards, personal loans and other such unsecured debt. It doesn’t apply to things like mortgages and car loans.

Creditors have to agree

The businesses and people you owe money to don’t have to agree to waive fees or charge less interest. In most cases, they’re under no legal obligation to work with you and have the right to refuse to accept less money.

There are likely fees

You may need to pay the debt counseling agency that administers your plan. 

“DMP fees vary based on your state of residence and debt amount,” says Martinez-Orza. For example, her agency charges a one-time set up fee and a monthly fee. 

However, these fees could be minimal considering the amount of money you can save in reduced interest charges, waived fees and in preventing future financial problems. 

No new lines of credit

Enrolling in a plan can also limit your ability to access ongoing credit. You typically aren’t able to take out a new home loan or car loan while you have a DMP. 

Also credit cards enrolled in the plan will be closed as you pay them off, “although most creditors will usually allow you to use one credit card for emergencies,” Martinez-Orza said. 

Debt management vs. debt consolidation 

Debt management and debt consolidation have the same aims – to help you simplify your finances, reduce what you owe, stop collection calls and set you up for success. However, they differ in how they accomplish those goals and are better for different people. 

In debt consolidation, you take out one new loan and use it to pay off all (or most) of your other debt that has higher interest rates. You then make monthly payments on the debt consolidation loan until it’s paid off. 

Debt consolidation makes sense if you can both secure a lower interest rate than what you owe on your credit cards, and receive a big enough credit line. 

The average credit card interest rate in March, 2023 was 24.10%, whereas the best debt consolidation loans have rates ranging from 6.99% to 35.97%.  

Debt management vs. debt settlement

With a debt management plan you work with a trusted non-profit credit counseling agency to pay back all debt. By contrast, in a debt settlement situation, you work with a for-profit company and ultimately pay less than what you owe. 

Debt settlement can severely impact your credit, you will likely owe taxes on the amount of debt that is forgiven and debt settlement companies charge fees that range from 15% to 25% of your enrolled debt.

Alternatives to debt management

It’s important to select the debt relief strategy that works for you. Each of these options have their own pros and cons that you should consider carefully before committing.

  • See if you’re eligible for hardship assistance. Many creditors and government agencies have options for people who are facing financial hardship. 
  • Get financial counseling. You can talk with a credit counselor and get help without signing up for a DMP. 
  • Do a balance transfer. Rather than keeping your credit card debt in an account that’s charging interest, transfer it to a credit card that has no interest or low interest. Here are the best 0% intro APR credit cards
  • Use a debt payback method. To structure your finances, you can adopt a proven plan to attack debt with the snowball method.
  • Consider debt settlement. If things are looking bad and your credit score is already doomed, debt settlement might have more pros than cons. 
  • Look at bankruptcy. If things are really bad and there’s no feasible way out of debt, bankruptcy might be the answer. Be aware though that you must qualify for it and it’s not an easy solution. 

Frequently asked questions (FAQs)

Yes, you can work directly with your creditors to request lower interest rates and waived fees. However, credit counselors typically have a better sense of the system’s ins and outs and have established relationships with creditors, which can provide a large benefit. Plus you’d be responsible for making on-time payments to multiple creditors. 

A debt relief program could help you lower your debt, waive fees, stop collection calls, lower your interest rate and consolidate your payments into one payment. Ultimately, it should help you Strengthen your credit score as well.  

The specific drawbacks depend on the type of program you use, but can include the facts that many programs provided by third parties charge fees and that sticking with a payment plan over a period of years can be hard. Some programs don’t allow you to take out any new loans during this time and debt cancellation can be expensive with fees and taxes.  

You want to be careful not to be taken advantage of by debt management scams. Martinez-Orza cited some telltale signs of a company to watch out for:

  • They certain they will reduce or cancel your debt.
  • You must pay in advance of them accepting your case or successfully negotiating a settlement.
  • They insist you use an intermediary.
  • They ask you to stop working with your creditors.

To identify a legitimate, reputable nonprofit credit counseling agency, check if the agency is accredited by the Council of Accreditation (COA) and a member of the National Foundation for Credit Counseling (NFCC). You should also check their ratings by the Better Business Bureau (BBB).

Thu, 25 May 2023 01:26:00 -0500 en-US text/html https://www.usatoday.com/money/blueprint/banking/debt-management-pros-and-cons/
Killexams : Shelburne to practice emergency management plan

SHELBURNE, Vt. (WCAX) - Vermont towns are better prepared for worst-case scenarios thanks to their emergency management plans. The Vermont Emergency Management Center helps town leaders come up with their plans and in some towns, the exercises and discussions are ongoing.

At the end of May, the town of Shelburne is hosting a regional exercise to prepare for catastrophic situations related to railways. The tabletop exercises are discussion-based where a scenario is posed and the group discusses their role in responding.

“We’re going to talk about sheltering and we’re going to talk about evacuating from an area. We’re going to talk about the different resources, both within the town as well as external to the town, and how those communications would work between the towns and what sort of requests towns would make of one another during a response. It’s not just the hazmat component of whatever has spilled out of that train or what potential fires occur, but also the evacuation and sheltering and communication, and then the clean up afterward,” said Emily Harris with Vermont Emergency Management.

These exercises are funded by federal dollars and are not required but towns can request them. recent exercises included one at Rutland Airport, Burlington International Airport.

The next full-scale mock rehearsal exercise is in October 2024, where southern Vermont agencies will be testing resources and communication techniques.

Fri, 19 May 2023 01:15:00 -0500 en text/html https://www.wcax.com/2023/05/19/shelburne-practice-emergency-management-plan/
Killexams : WealthTech Is Coming to a 401(k) Plan Near You

Wealthtech has enabled wealth advisors to better serve clients and manage their practice but less so with retirement plans where complexity, regulations and technology have inhibited innovation, according to Dani Fava, Envestnet’s head of product innovation.

Hear what wealthtech retirement plan advisors and providers can leverage to benefit consumers in their plans through quick and constant value.

Fred Barstein is founder and CEO of TRAU, TPSU and 401kTV.

Tue, 16 May 2023 04:00:00 -0500 en text/html https://www.wealthmanagement.com/rpa-edge/wealthtech-coming-401k-plan-near-you
Killexams : Advisors: Have a Tax Management Plan for Portfolios No result found, try new keyword!As the possibility of higher tax rates looms, portfolio tax management is taking on heightened importance for financial advisors and their clients. Budget negotiations in Congress include the ... Fri, 22 Oct 2021 08:51:00 -0500 text/html https://money.usnews.com/financial-advisors/articles/advisors-have-a-tax-management-plan-for-portfolios

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