Affiliate Marketing Secrets

Hello! I’ve been thinking about moving to Sweden, and have a couple of questions about the lifestyle.
Currently I’m living in the US, enrolled in high school, and wanting to learn Swedish. Here are my questions:
1) Does Sweden have a credit score system?
2) Are marketing/advertising/design jobs hard to get?
(I’m still in high school, but wish to pursue a major in these areas)
3) Also, do I need a couple of years’ experience before I can get that job (in question 2)? What are some good things to add on a resume?
4) Is it a burden/annoyance for businesses to get a work permit for someone they just hired that isn’t from Sweden? (For those of you who have moved… is it hard moving there?)
5) Will businesses be inclined to hire me if I know Swedish? (Also, will my ‘perspective’ help businesses who want to reach out to the US?)
6) Are there some international banks? (That are affiliated/shared with US banks)
Thank you very much for your answers and time! Sorry if my questions are a little awkward. 🙂

I met a man on an online dating service. We appeared to have everything in common, a real connection until I explained that i had a gross misdameanor 14 yrs ago. I only told him this because of the job he had (law enforcement) and I didnt know if that was something that could affect him. Even though he told me that he was glad I was honest with him he did indicate that he could not affiliate with anyone whom had a past like that. I was CRUSHED! So we let it go. 2weeks later he calls me and stated that he missed me wanted to know how I was and that he put in a 2 week notice to his current job and is now working on the back end of the job where the provisions of his associations were not so harsh. He asked if I could give him another chance and that he couldnt find anyone else that connected like we did and that he was wrong. And so I did, believing that people deserve second chances. He has the 905 credit score, the BMW, the house and career and I have lousy credit that i am trying to redeem from now, a condo, a car. The reason for mentioning this was because his friends indicated to him (he told me) why was he messing with someone like me when he can get a lawyer, doctor etc. It hurt my feelings needless to say but he was adament that he didnt care what they thought and wanted to just do this with me. We talked every single day since then, so we have been talking all together for 2 1/2 mths give or take. Well, long story short he applied (supposingly) for a job in my current state so we could be closer and according to him, it paid sooo much more and was ready for a change etc. He landed an interview. He was supposed to be here Tuesday last week. He never called going to the airport, layover or arrival. So, i called him and he answered whispering that he was in an interview already getting ready to met the CEO and VP that he loved me and he’ll call me right after the interview. Now, I was told the previous day the interview was at 1:30pm but when I called it was 11:30am, the flight was supposed to be at 10:30am arrival, and he told me they wanted to interview early. Strange I thought. And then he says that the interview was going to last 7 hrs especially if they liked him!! Huh? i let it go thinking well i’ll met him soon enough and everything will be great! NOT! He never called not even the consideration of a phone call, text ….nothing. Wednesday came and I saw him on facebook accepting friend request. I left it alone. Thursday he finally called didnt leave a message and then text me to call him ( this was the day he was supposed to leave). I took off 3 days of work to be with him. Why do I need to call him? I have never heard from him since and its been a week already. He never removed me from facebook either. SHould I call? It’s killing me to know what’s up. Oh by the way, the hotel that he supposingly applied and stayed at….he was never registered and there was never a job opening for it. What was the purpose of that? LIAR!

I have been a single mom for 9 years. I was using several credit cards for things we needed and actually was doing well making payments until the credit card companies began to increase their interest rates and amounts owed per month. My credit score was perfect. I never missed a payment. I began to be unable to pay what I owed due to increased monthly demands from the credit card companies. I spoke to a representative from Armored Debt Center who convinced me that they would settle my debts for amounts less than I owed, therefore giving me a chance to get out of credit card debt altogether and I agreed to pay $658 per month for them to do so. It seemed like the right thing to do for me and my family’s future. I have put a lot of effort into making that payment every month starting last October. Armored Debt Center told me not to answer calls from my creditors and sent me a script to basically get off the phone without telling them anything. I followed this advice. They tell you to tell the debt collectors that they are only to communicate with you in writing and then you are to fax everything to Armored Debt Center. When the first credit card company took me to court, I followed Armored Debt Center’s instructions to go to a particular website and retrieve documents to fill out. It was a website that anybody could have googled, not affiliated with Armored Debt Center. It was difficult to figure out what I needed to put on the documents that were to be sent to the court. At one point, I called Armored Debt Center and was told that they “cannot give legal advice” so I was left to figure things out on my own. I was told by Armored Debt Center not to worry, that this was part of the process. I filed everything the website suggested with the court. Prior to my court date, I called Armored Debt Center and was told nothing more than, “Don’t sign anything”. Judgement was awarded for the full amount, plus interest, plus court costs to the credit card company. I continued to keep in contact with Armored Debt Center and fax them everything that was sent to me. It would take up to several weeks for them to call me just to state that they received my fax. They have a well-rehearsed spiel that they give on a continued basis stating that “This is a process. Don’t worry. Keep faxing us documents sent to you. Don‘t give any information to debt collectors when they call you. Use your script. No further action is needed at this time.” They led me to believe that they would be settling with the debt collector “after my next payment”. This went on for several months with no settlement. Armored Debt Center did not settle my $3644 debt with the very first credit card company that filed, after a full 12 months of payments at $658 per month. I had given them $7896 of hard-earned money and they had not settled anything. Every time I would call, I would get the same run-around, rehearsed speech and be coerced into continuing the program. I would explain that other credit card companies were getting ready to take me to court. Now, the court has allowed the debt collector to garnish my wages by 25%. Because Armored Debt Center failed to settle with the first credit card company to take me to court and my wages are being garnished, I no longer have hopes of being able to get myself out of debt because I don’t have any extra money to give to a debt settlement company, or to save on my own, for such a purpose. At this time, my 3 other credit card companies have indeed initiated taking me to court and I have summons for those now.
I spoke to a representative at Armored Debt Center, Mark, about what had happened and that their debt settlement program had failed miserably. I called Armor Debt Center to ask for my money back for a program that had failed. He eventually said that he would give me back my “reserves” which was $3138 but they would not refund their “service” fees which were $4530. When asked what services they had provided for $4530, Mark stated “education”.. Education on a program that did not work, that did not do me any good whatsoever, and in fact got my wages garnished and ruined my credit. My “education” was a script on how to get off the phone with debt collectors and what website to go to to fill out paperwork to send to court that anybody could have accessed. Upon further pleading with Mark, he stated that they would refund 3 to 4 payments. By the end of the conversation, however, he was saying 2 to 3 payments. Therefore, Armored Debt Center was intending to keep $3398. I received an e-mail today asking me to sign a form stating that I will accept $1132 back from them, which is only 2 payments and indeed would award them $3398 for doing nothing that benefited me. I have been so stressed out, I’ve nearly made myself sick. I have heard that there has been a law passed to safeguard people from these debt relief scams. I have not yet had a chance to find out the specifics.