How To Conjugate Spanish Verbs In The Present Progressive Tense

The first thing you should know if you want to learn how to conjugate Spanish verbs in the present progressive tense is that you need two things, the verb estar (to be) for any pronoun in the present tense and the present participle of a verb. For verbs ending in -AR, the present participle is formed by dropping the ending and adding -ANDO. If the regular verb ends in -ER or -IR you add -IENDO. The present participle is the same for all pronouns. Only the verb estar is conjugated according to the pronoun. See example below.

yo estoy viajando – I am traveling
tú estás viajando – you are traveling
él/ella está viajando – he/she is traveling
usted está viajando – you are traveling (formal)
nosotros estamos viajando – we are traveling
ustedes están viajando – you are traveling (plural)
ellos/ellas están viajando – they are traveling (masculine or feminine)

Verbs ending in -IR that change the stem in present tense continue to change the stem for the present participle. Review the following:

1. Verbs changing the stem vowel from e to ie in present tense change the vowel to i for the present particle (ie → i ). Therefore preferir (to prefer) and sentir (to feel) become prefiriendo, and sintiendo respectively.

2. Verbs changing the stem vowel from e to i in present tense also change the vowel to i for the present particle (e → i ). Thus pedir (to ask for) and servir (to serve) become pidiendo and sirviendo respectively.

3. Verbs changing the stem vowel from o to ue in present tense change the vowel to u for the present particle (ue → u). Thus dormir (to sleep) and morir (to die) become durmiendo, and muriendo, respectively.

There are some irregular present participles for verbs such as caer (to fall), creer (to believe), leer (to read), proveer (to provide), and traer (to bring). The present participle ending for these verbs is -YENDO. Their present participles are cayendo, creyendo, leyendo, proveyendo, and trayendo, respectively.

If you are using the Verbarrator Spanish Verb conjugation software to learn this verb tense (and I do recommend that you use the Verbarrator for learning how to conjugate this and other Spanish verb tenses), instead of the “present progressive verb tense,” the Verbarator calls this tense is “estar PLUS gerund.”

Now you know how to conjugate Spanish verbs in the present progressive tense. Be sure to practice daily so that conjugating Spanish verbs becomes easier for you.

Credit Card Debt Negotiation – The Process Simplified

When you are in conducting a credit card debt negotiation, its important to know that you are negotiating for a position of strength. The Credit card companies don’t want you to default. They make their money by receiving consistent payments from you. Payments that can go on for years and years.

You are the one in control. You have something that they want to get from you, your payment. If your polite, professional and firm, you will get what you want.

This is a serious situation. They do have the ability to instigate legal action. This is unlikely on smaller balances, but is always a possibility. I have seen balances as high as 15,000 dollars end up being charged off without legal action. I have also seen balances as low as $500 go to court after just a few calls. But even court action is a fairly slow process, and you have time to react and negotiate the debt before the court date.

First, you need to make sure that you communicate by mail. Don’t give the collector a “no way out” situation by telling them to never contact you again. You have them backed them into a corner where they have little recourse but legal action. Credit card debt negotiation involves a level of compromise.

Instead, tell them they can contact you only by mail. And that they can never contact you at work. You will need to draft a letter to this effect and send it to them by registered mail, return receipt. In fact, all future communication with the collector will be by registered mail. And you always want to make sure you have a file of the delivery receipts and a copy of the letter available so that they can’t dispute that it was mailed, and that they received it.

The problem with phone calls is that when you are involved in credit card debt negotiation, you need to have verification. If it wasn’t written, it wasn’t done because you have no way to prove it if you end up in court.

Begin your credit card debt negotiation at 20-25% of the original debt amount. The collection agency may have added on fees and charges that you should not include in the settlement amount. These fees just amount to the collection agency trying to make more money, and have nothing to do with the debt to be settled.

Since on the “secondary market” debt is traded at literally a few cents on the dollar, the collection agency is making plenty of money, even if they end up settling at 30 or 40% of the original debt.

Don’t sound to eager to settle. Be calm and collected. Don’t get angry, don’t show hesitation. One thing I really want to add is NEVER let them know that you have some specific reason for settling the debt. Many people make an effort to settle before applying for a home loan for instance. This information is none of the collectors business. If they find out that the reason you want to settle is so that you can buy a house, you will never get a settlement.

So, in review.

1. Never talk to a collector on the phone. Always use registered mail with a return delivery receipt.

2. Start your negotiation at 20 – 25% of the original loan amount.

3. Don’t include the collection agencies add on fees as a part of your credit card debt negotiation.

4. Be calm, educate yourself to the process so that you can speak from a position of knowledge.

Just be patient. And make a good deal. Soon, this will all be behind you. Your credit card debt negotiation means you can get on with your life.

Direct Lender Online Installment Loans and Instant Approvals

Many of us suffer due to bad credit history, scores, or both. Today, roughly half of the population across many countries, have a credit score that is considered unhealthy. For those of us with a bad credit performance, loan options are limited and expensive. Taking out loans in such situations often remains a tough decision and one that must be used only when required. However, when in a situation that makes a loan necessary, one often tends to prefer 3 qualities in loans:

Quickness
Certainty
Flexibility
At CashAmericaToday, we are a trusted name in direct lending, and we provide installment loans that are quick and reliable. Our loans feature a healthy degree of flexibility, making them a great choice for borrowers in need.

Not All Installment Loans provide Quick Approvals
Many direct lenders, like us, offer installment loans. However not all direct lenders accept all credit histories and scores and not all direct lenders focus on offering quick approvals. At CashAmericaToday, we have understood that most of our borrowers choose a direct lender because they need money soon, they have a bad credit history or both.

We have established a preferable spot in the direct lending market by continually providing quick and convenient loans. Our loans don’t just provide quick approvals, but also feature a lean process that provides funds quickly too.

Our installment loans feature instant approvals i.e. when you apply for the loan, once your eligibility for the loan is validated, you get a loan approval instantly, so that you can then receive and accept our loan offer with no delay, thus enabling us to process your deposit thereafter, making the entire loan process quick.

How Trusted Online Direct Lenders are changing the Market
Just two decades ago, non-bank direct lending was indeed a highly unorganized sector of business. Today, various legal requirements, influential criticism, and stiff competition have made the environment more customer-friendly and thanks to the opportunities of online direct lending, much has changed in the market to the benefit of the end customer.

As one of the more established and reputed online direct lenders, we at CashAmericaToday are proud to share some of the key ways in which the most trusted names have positively impacted the direct lending market over the years:

Direct lender loans have become more easily available
Loans have increased flexibility and reliability
Competition and stricter regulation has led to better lending rates
Technology and customer focus have led to easier loan application processes

Can You Do Something to Get Your Loan Quicker?
When opting for a direct lender loan, as discussed earlier, quickness is often a priority. Apart from choosing a trusted online direct lender offering installment loans with instant approvals, there are certain points you can keep in mind to get your loan quicker:

Apply for your loan without a delay once you know about the need
Stay reachable so your lender can get in touch if needed
Keep the required information and documentation ready before you apply for the loan
Provide complete, clear, and genuine details and documentation
Understand and accept the loan offer promptly