Sample Late Payment Explanation Letter

When you write a creditor to explain your late payments (mortgage, car, or credit card), the letter should state:

why you are late, (see paragraph 1 of the letter below) how serious you are about fulfilling your commitment to them (paragraph 2 of the letter below), and when you expect to be able to resume full and regular payments, (paragraph 3 of the letter below), what you want from them (paragraph 4 of the letter below) the financial details of your hardship (paragraph 5 of the letter below)

Sample

Below is a sample late payment explanation letter. Change it to describe your own circumstances, but make sure that you enclose copies of financial documents like: checking account statements, tax returns (past two years), all bills from creditors, all late notices, pink slip, anything else that will prove your hardship.

Sample Late Payment Explanation Letter

Cindy R. Williams

9 Turnbill Ct.

Anywhere, USA 55555

To: ABC Mortgage

Re: Late Payments; Account # 12345678

Daytime phone number: (555)555-5555

I am writing to inform you of my recent financial hardship. I was laid off from my job at XYZ Company just before Christmas of 2008. I am diligently seeking other employment, but as you know, jobs are scarce in today's economy. I have not found anything yet. Being out of work has caused me to be late on my bills.

I believe in hard work and have never been without a job for more than a few months. Until this unfortunate event, I have maintained a solid payment history with you.

My goal is to pay everything I owe. I take my financial obligations very seriously and plan to continue regular and full payments as soon as I find a job.

I expect my situation to be temporary and would like to discuss loan forbearance. I would also appreciate any suggestions you might have that would help me get back on track.

Please find the enclosed spreadsheet of my monthly expenses, as well as copies of financial documents, my pink slip from XYZ Co, and late notices I have received during my financial setback. I'm sending these to show that I am indeed experiencing financial hardship. This letter and all documents attached are true and accurate to the best of my knowledge.

Thank you for your time. I hope to hear from you soon.

Sincerely,

Signature/Date

Forbearance is an agreement by a creditor to reduce or delay payments for a specified period of time. Interest accrues during forbearance and will increase your loan amount. The good thing is that you will not have to pay late fees and penalties. There is no negative affect on your credit either.

Sample Late Payment Explanation Letter

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Sample Performance Appraisal

A performance appraisal carried out for professional and administrative personnel and a confidential employee performance appraisal contains the names and job titles of employees and the department for which they work. It also states the names of the appraisers and their job titles. Performance appraisal sheets are normally divided into three main topics that are, evaluation or job performance area, ratings, and comments. The evaluation area comprises of various factors. These factors include job knowledge, professional competence, and managerial ability. Apart from these, productivity, quality of work, problem solving ability, communication, and initiative are also areas that need evaluation. Factors such as attitude and cooperation, personal leadership, adaptability, and self-improvement also cannot be ignored while evaluation.

Based on the appraisals, professional and administrative personnel can be rated as outstanding, excellent, acceptable, marginal, or deficient. The comments section contains improvements, suggestions, goals to be achieved, potential of employees, etc. Performance appraisals show the overall effectiveness of employees in their job performance, that is, it is a summary of all comments. Plans for professional growth is a section that supervisors and employees should develop cooperatively. This section includes additional responsibilities, management opportunities, special courses, committee assignments, etc. While evaluation, it is advisable to give examples of strengths and weaknesses of the employees as and when possible.

Sample

Confidential employee performance appraisals also contain other job requirements such as focusing on specific needs of business or needs for individual improvement, public contact, ability to stay within cost guidelines, etc. They also give a performance summary, which shows the employee's outstanding and strongest points, employee's shortcomings and weaknesses, and specific accomplishments and changes since last performance review. They also help in deciding goals for improvement, that is how the employee can be more effective and what additional training can be helpful.

Sample Performance Appraisal

Performance appraisals also have an employee feedback section. This section contains the employee's most important accomplishments on the job, weakest job performance areas, areas in need of improvement, and other work concerns they would like to discuss. It also provides the date scheduled for the next review and the areas targeted for improvement.

Sample Performance Appraisal

Performance Appraisals provides detailed information on How to Write a Performance Appraisal, Job Performance Appraisals, Performance Appraisal Software, Performance Appraisal Systems and more. Performance Appraisals is affiliated with Manufacturing Performance Management.

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Sample Last Will And Testament

A will or testament is a document by which the testator regulates the rights of others over his property or family after death. In a strict sense, a will is a general term, while testament applies only to dispositions of personal property. A will is also used as the instrument in a trust. A sample of last will and testament provides a standard format, which gives a basic guideline for writing a last will and testament.

Generally, a sample of last will and testament has sections that state the declaration, appointment and guardianship made by the testator. The name of the testator is mentioned in the beginning, followed by three sections. The testator begins, by declaring a statement that refers to his or her sound state of mind, while making the last will and may nullify wills, written at an earlier stage. The testator mentions full details of his place of residence, his last wishes that are to be fulfilled and the names of the people, on whose names, the property will be distributed.

Sample

The appointment section mentions the name of the executor selected by the testator. An executor plays the role of a personal representative of the testator, and takes over the responsibility of paying the left over debts, obligations as well as the funeral expenses. Furthermore, he has to carry out all the provisions of the will. However, the executor is not entitled to get any surety bond connected to the last testament.

Sample Last Will And Testament

The guardianship has the name of chosen guardians of minor children as declared by the testator. It may also include names of alternative guardians, if the former cannot serve or is not willing to serve as a guardian. A sample of last will and testament is very useful for people planning to make a will. They can be referred to while framing their own will and testament.

Sample Last Will And Testament

Last Will And Testament provides detailed information on last will and testament, contesting a last will and testament, free last will and testament packages, how to write a last will and testament and more. Last Will And Testament is affiliated with Probate Court.

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Sample Cover Letter For High School Students

Many teenagers who pass high school look for part time or full time jobs for earning pocket money. A job can be an experience building stepping stone if you already know what type of career you would like to make in future. Nowadays there is huge number of jobs available for high school student. You just need to prepare an effective cover letter if you want to secure a decent job.

In this article I would like to provide a sample of a high school cover letter which would help high school students, particularly juniors and seniors who want to enter the workforce.

Sample

Your Name
Your Address
Your City, State, Zip Code
Your Phone #
Your Email

Sample Cover Letter For High School Students

Date

Employer Name
Company
Address
City, State, Zip Code

Dear Mr. /Ms. Last Name,

I am responding to the employment opportunity listed on your website. Please accept this letter and accompanying resume as evidence of my interest in applying for this job. I feel my qualifications and my skills would prove to be an asset for your organization.

I have recently passed high school from a well known school. Now, I am looking for an honored job that will add experience to my building career. Here are some of my key strengths that I would bring to the position. I am:

1. A self-starter.
2. Disciplined.
3. An excellent communicator.
4. Very willing and eager to learn new things.
5. Exceptional at customer service.
5. Great team worker.

Accepting challenges is the foundation of my life experiences and something I do with confidence. You will find me a totally committed individual with pride in being direct, spontaneous and communicative. I can maintain records, perform numerical calculations with accuracy and I need little direction to complete assigned tasks. These are the qualities that make an excellent candidate for this post.

I was responsible for handling and organizing various important activities in my school. I have even participated in numerous cultural activities. I have working knowledge of MS Word, PowerPoint, MS Excel and Internet.

I would appreciate your consideration of my credentials. If you do think there is a shared interest, I would greet the chance to meet with you to hear more about your company, the requirements of the position, and how my skills would be a good fit.

Thank you in advance for your consideration.

Sincerely,

Your Signature

Your Typed Name

I hope my article will help you in preparing a high-quality and eye-catching high school student cover letter.

Sample Cover Letter For High School Students

Confused about how to create Resume Cover Letters. Find out more about Student Cover Letter

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Find Sample Nursing Care Plans

Medical professional often like to use sample nursing care plans. These sample plans can save time as the nurse or other professional can adapt an already constructed care plan to their patient. Rather than having to start from scratch, the basics of the plan are already in place allowing the nurse to move on quickly to other matters.

A care plan is a document that details a patient's medical assessment and plan for care. This vitally important document allows all members of the medical team to know what course of action will be taken. This also helps prevent important care aspects from being neglected.

Sample

Given the amount of professionals who are often involved in a patient's care, the care plan lets everyone stay up to date on the patient's health and treatment. In many hospitals and other health care facilities, staff members have many duties and a number of patients. The care plan lets everyone stay on track with each patient.

Find Sample Nursing Care Plans

Although care plans are sometimes referred to as nursing care plans, nurses are not the only professionals who use care plans. Rather, all medical professionals involved in a patient's care are involved in the creation and updating of a particular plan. This includes not only nurses but doctors, therapists, and others.

The first step for a care plan is generally the assessment of the patient. Different settings will have different protocols in doing assessments. Once this is done, a problem list is created, listing diagnoses and other problems that the patient may face.

For individuals seeking a sample nursing care plan, books and websites focused on care plans often include a sample plan that you can customize for your purposes. Some websites allow you to input data and a plan is created for you. Others have samples for a number of different diagnoses and medical issues, allowing the plan to be customized by the problem that the patient is suffering from.

When you are looking for a sample nursing care plan, examine the different samples for one that includes the categories of information that you'd like to include in your care plans. You may want to check out several in order to see which ones would work best. Once you've selected one you like, use it a few times before a full implementation to make sure that it will fit your needs in different real life situations.

Sample nursing care plans can be a valuable tool to help you save time and better help the patient. A clear care plan will let everyone on the medical care team know what is going on in a clear and concise way.

Find Sample Nursing Care Plans

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Top 10 Best Places and Interesting Destinations in Thailand For Vacationing Family With Children

Thailand is the best place to spend family vacations. The country has plenty of beautiful and attractive places which parents and their children will definitely love. There are top ten best places in Thailand where most families from around the world love to visit. Here is the list of the ten most recommended vacation destinations in Thailand:

1.    Pattaya, Thailand - located along the Thailand Gulf. It is the most popular ocean site resort in the Southeast Asia. Pattaya has 300 affordable hotels to choose from, which are perfect for vacationing families of any size. There are also a number of markets and shopping malls. Lots of affordable restaurants are also found in Pattaya serving the delicious Thai delicacies.

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2.    Phuket - the most popular tourist destination in the country with its beautiful white sand beach coasts. Phuket is also known as the "pearl of the South". Here, one can find the best variety of restaurants offering the best of Thai cuisines.

Top 10 Best Places and Interesting Destinations in Thailand For Vacationing Family With Children

3.    Koh Samui - perfect to spend family summer vacations. Koh Samui has a large number of beach hotels where one can enjoy the amazing beauty of the white sand beaches along the coastlines. Resorts offer good budget accommodations which will surely please families.

4.    Chiand Mai popular tourist destination mostly because of the best shopping experience it offers. Here, one can buy a lot with just a dollar. Tourists often swarm the market of Chiang Mai that opens from 5pm and opens until midnight daily. The night marketplace has many products that will surely suit and satisfy everyone. Goods such as clothes, baggage, souvenir items, shoes and a lot more can be found here. There are also clubs in several places which offers very affordable prices. This is definitely a place for any family vacation.

5.    Koh Chang Thailand - is a marine national park which attracted thousands of visitors worldwide. The island has a nick name of "the last untouched paradise in the Southeast Asia", because much of its place are not yet been discovered by modern explorations and haven't been built in with establishments and infrastructures. Here, one can fully appreciate the pure gifts of nature. Koh Chang has everything nature has to offer. Perfect getaway place for families who wants to have a quiet and peaceful vacation. Families can rent natively designed bungalows where they can feel at ease and comfortable all throughout their stay.

6.    Krabi, Thailand - an island territory of Thailand that has fine-looking coastline and offshore islands. This location was used in the movie "The Beach" starring Leonardo di Caprio. These beaches are truly pictures perfect panoramas, together with the coconut palm trees and the blue waters of the ocean. Krabi has been a favorite place for vacationers coming from different countries.

7.    Hua Hin - a place which combines pleasure and beach holidays and also a place for several sports. Golf has been the most famous sport here wherein visitors can play under the shade of the coconut trees.

8.    Chiang Rai - a located in the mountainous regions of Thailand, which are said to have retained much Thailand's culture. Popular attractions here include the White Temple, which is the only handcrafted temple in Thailand with striking botanical gardens. Visitors love to visit here and take a look at the Buddha statues built in Buddhist temples which truly spectacular.

9.    Cha-am Thailand - located 160 kilometers south of Bangkok, about two hours drive via car.  Cha-am beach resort is known as the longest white sand beach in Thailand. It is also a place for golfing which many of vacationers enjoy to play. Perfect for vacationing families.

10.    Bangkok - the main attractions in Bangkok are the magnificent temples and shrines along the city. These religious buildings were made with artistic architecture design which are truly captivating to the eyes.

Top 10 Best Places and Interesting Destinations in Thailand For Vacationing Family With Children

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How to Apply For a Schengen Visa in Thailand

The Schengen Agreement is a treaty aiming towards the abolition of common borders of states in Europe that was signed on 14 June 1985. Only France, Luxembourg, Belgium, Netherlands and West Germany initially signed, but now there are already about 25 members. Now, this group of states is known as the Schengen area.

Schengen Visa

In consonance with the above mentioned agreement, the Schengen visa has been created. This is in a form of a sticker affixed by the issuing consulate onto the passport or travel document which authorizes the holder to cross borders in Schengen area on condition that he/she met the entry conditions.

Schengen visa has several categories: A, B, C, D, D+C, FTD and FRTD. In Thailand, it is Schengen visa "C" that is popularly applied for because it serves as a short term visa allowing the holder to visit Schengen states for a maximum duration of 90 days in a six month period.

Schengen Visa Application

All consulates of members of the Schengen area are allowed to issue Schengen visas. However, an applicant should file his/her application with the proper consulate. There are three rules to identify which is consulate may receive the request.

First, if he/she wants to visit a Schengen country, he/she needs to apply before the consulate of that particular country.

Second, when several Schengen states are intended to be visited, the consulate of the main destination may issue the visa. For example, the applicant wants to go to Belgium and France, but the intended stay in France is longer, hence, the French Consulate is the proper consulate to grant the visa.

Third, if the applicant is not sure which country will be his/her main destination, the appropriate consulate is that of the country of first entry.

Lastly, when there is no consulate for the country that is the main destination or the first entry in the applicant's country, he/she may contact the consulate of a Schengen country, which represents, for the purpose of issuing Schengen visa, the country of primary destination or first entry.

The documentary requirements vary depending on the Schengen consulate and purpose of the visit. The standard papers essential to requests for this type of visa for all consulates are valid passport, recent photograph, application form, and proof of medical insurance. The minimum insurance coverage is EUR30,000.00.

Schengen Visa Application Process in Thailand

The visa applicant can complete the application form and obtain the necessary supporting documents before submitting the application to the appropriate Schengen embassy in Thailand. The process normally takes 4-5 business days. It usually takes longer if interview is required.

In case the applicant is applying a said visa based on sponsorship, the sponsor needs to make an official sponsorship declaration in his/her home country which he then provide to the visa applicant as supporting evidence for the application.

Using a Visa agent

While the application process for this type of visa appears to be simple and straightforward, the applicant who is unfamiliar with immigration forms and limited by language barrier may find the application rather frustrating. In this case, it would be good to ask the assistance of a qualified visa agent to assist with the Schengen visa application in Thailand.

Siam Legal International is Thailand's largest legal service network with offices in Bangkok, Phuket, Pattaya, Samui, Chiang Mai and Hua Hin. Our firm provides visa and immigration support to all countries worldwide. Contact us if you have questions about your Schengen Visa in Thailand at info@siam-legal.com

Dennis Ramm is the Managing Partner for Siam Legal International, Thailand's largest legal service network with offices in Bangkok, Phuket, Pattaya, Hua Hin, Chiang Mai and Samui. The firm has international locations in London and Los Angeles. Siam Legal is a full-service law firm and provides a wide range of legal and Thailand visa services. Reach Siam Legal at +(66) 2-253-8100, to learn more about Schengen visa in Thailand.