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by Amy Nutt
These days it seems like everyone is having financial problems of one sort or another. With times being so tough for everyone economically, its understandable that some people fall back on credit or loans in order to make ends meet. Unexpected events and the resulting expenses can also cause people to take on more debt than they normally would. Unfortunately, the more debt you pile on, the faster it grows. Many high-interest credit cards have minimum monthly payment structures that are practically designed to ensure you will ne
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ver pay the debt off. Unfortunately, the more credit you use, the greater the impact on your monthly expenses (as the monthly minimum payment grows along with the debt).
One great way to reduce your monthly expenses (and thus reduce the amount of income you need to generate in order to make ends meet) is to reduce or eliminate high interest credit. If youre thinking, ‘easier said than done,’ you are probably right. But there are ways to accomplish this goal. Even if you think you are buried in debt and there is no way out, youd be surprise at the options available at your disposal. Though there is no method that will eliminate your debt without your actually having to pay it, you can save time and money (and get motivated to become debt-free) through debt consolidation.
There are a few different approaches to debt consolidation. Some of these are credit counseling and debt consolidation loans. Here well focus on debt consolidation loans and whether people with bad credit are eligible to receive them.
Debt Consolidation Loans Debt consolidation loans are a type of consumer loan that is available to help debtors develop a road map to debt freedom. The process starts by applying for the loan. The application will require information about your monthly income and expenses, as well as details about all the consumer debt owed. The lending financial institution evaluates all this information and determines how much the debtor can afford to pay on each loan per month. Upon approval, a new loan is issued for an amount that is sufficient to pay all of the debtors outstanding debt. The debtor uses the newly borrowed funds to make final, lump sum payments on all his outstanding debts. Generally the debt consolidation loan is lent at a much lower interest rate than what was being charged on the existing debt. In many cases, the bank will negotiate to lower the total debt by lowering interest or removing late fees.
Bad Credit Debt Consolidation Services A debt consolidation loan is like any other loan. You repay the loan at an interest rate and the lending institution takes on a level of risk that you will default on the loan. Debt consolidation loans are designed for people that are already having trouble with their credit. While the lender is taking on a considerable amount of risk by lending to you, they are managing that risk by partnering with you in repairing your credit in the interest of providing a better financial future for YOU. Because they generally have working relationships with the very creditors you are indebted to, they have a better chance of enforcing payment. Debt consolidation loans may be available for borrowers who have bad credit if they have some sort of collateral. If the borrower has any home equity or other property of value, they may put it up in order to secure the loan. This is probably the easiest way for people with bad credit to get approved for debt consolidation loans. The best way to find out if your credit is too bad to get you qualified for a debt consolidation loan is to apply for one.

About the Author:
Consolidated Credit offers a variety of unbiased debt-counselling services and alternatives to help people get their debts under control. Providing free debt analysis and education on money management.
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by Ethan Melandri
As summer begins the days become hotter and lengthier which present adventure on the road. All though it can be exciting to take to the road there are still issues of weather and other hazards which could hinder the unsuspecting motorist.
Temperatures during the summer months will rise, yielding in some places a lack of rain. Debris that is not taken away by rainfall can increase on the surface of the roads. Other surface issues such as oil, dust, and rubber can also be plentiful in areas where rain has not occurred often. A lack of rain can make the road more slipp
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ery.
Slick roads can also increase after a small rain, as the water stays on the road rather than running off. Debris, dirt or oil mixed with water can create conditions that are less than safe. The driver may not even suspect the problems.
Driving once it has rained, and then the roads warm again will affect how you can brake. In fact the distance will increase for the amount of brake time you need to stop or to go around a curve. The tyre grip is going to be less controlled.
Asphalt, after a very hot dry period is worse than just after a short rain. A polished sheen can be seen on the ground as the heat mixes with the tar. The more cars that travel over an area the hotter the road can become.
The warm and enjoyable weather will bring out more than a keen driver. It will also bring out the holiday motorists with their caravans. The open road becomes a mecca for those who enjoy a long drive in the country with their convertible or the travelling family wanting to camp out. Holiday caravan drivers can put a small ruffle in the drive, but you should not irritate them. They have every right to be on the road, thus remaining calm is essential even if you are wishing to pass.
Be aware that many of these drivers will have been travelling for long distances, on roads they are unfamiliar with, possibly distracted by their children or satellite navigation. Be prepared for them to make unexpected manoeuvres without signalling, and factor this into your decision when deciding whether it is appropriate to overtake them, and remember you easily come across a slow moving vehicle mid way through a blind bend.
Modern vehicles come with daylights which turn on even when it is sunny out. Running lights during the day in summer has been researched, which is one reason daylights are now on modern cars. It was determined that having lights in the daytime reduces collisions and accidents by 12 percent. Factors like sun glasses, spotty shaded areas, and the summer sun makes leaving your lights on safer for other drivers to see you and you to see them.

About the Author:
If you are considering running with your car lights on during the day it is well worth upgrading your Car Lights, to maximise their visibility and endurance. One area that your lights will really benefits is by fitting New Sidelight Bulbs, they are straight forward to fit and are available as either xenon or LED bulbs.
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By Paul LynchThis week I have had the pleasure of meeting Kevin Potts who runs http://www.cambridgebusinessacademy.comKevin is very well known in the internet marketing world as being one of Tim Lowe’s (Made $20,000 online since 2001) most successful students:Kevin and his Academy have built a massive reputation for honesty and integrity, with a commitment to over delivering
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each and every time. Prior to becoming an entrepreneur’s coach Kevin used to be a full-time Minister of Religion - can you believe it - and that's why you'll often see him wearing his dog collar.Anyway, Kevin is a fantastic, genuine guy with a real passion to create great coaching for home based entrepreneurs and I've managed to persuade him to let me send you this fantastic FREE offer which, once it is out of its test phase, will cost just under a $1,000.The material he has agreed to let my customers sample, completely Free of charge includes a brand new Kick-Start resource report, which maps out clearly and plainly the essential steps in building a real home based Internet business. Additionally in a series he's called Starting Point, Kevin will be providing you with 10 videos on DVD, again completely free of charge. These will be followed up by his other new series Life Changers, again videos on DVD and again completely free of charge.I have to say it is rare for me to get so excited, but I can assure you, I have checked this out fully and there is no catch and what you'll also find on his new site, is a promise not to deliver sales pitches... For those of you, who are used to my service and products, just jump in right now before he has to pull this free test. For those of you who are a little more skeptical thinking "there's no such thing as a free lunch", let me tell you with this offer you are way off the mark.I really am not sure how long Kevin will be able to keep this open so you need to act now by visiting http://www.cambridgebusinessacademy.com if you want to get your hands on all these coaching series, totally FREE of charge.You certainly won't say I never give you anything for free again.P.S. Kevin banked over £189,000 with his very first product! In this new FREE course you will see him “live” on camera as he walks you through the exact same steps!
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Shopping spree sweepstakes & contests are some of the most popular online giveaways today . . . and more stores are learning that it’s a great way to attract new customers and publicity.? In fact, the reason why shopping sprees are such a common type of promotion is that the companies who put them on [...]
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by Sheila Korter
During hard economic times, it is best to save as much money as possible. One reason is that if you concentrate on saving, you will be able to prevent yourself from spending too much. Another advantage of putting your money in the bank is that you are able to earn a passive interest income. This means that you earn income without doing anything.
This is possible through the interest you earn from the money you have deposited. If you are serious about saving money and want to earn an ongoing passive income through bank deposits, you should think about several things f
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irst. The first thing that you should do is understand the different rates that are available and the terms that go along with those rates.
A money market account is an account that yields interest and also allows the depositer to withdraw funds with short notice or no notice at all. Every bank that offers an account of this type has its own rates and terms and conditions. It is advisable to choose the money market rate that does not only offer high interest rates but also has reasonable terms and conditions that are suitable to your needs and prevailing circumstances.
On the other hand, a CD is a kind of deposit that pays a higher interest rate but in return for this higher rate, imposes more restrictions. Typically you cannot withdraw funds for an established period of time without incurring a penalty. For this reason, CD’s are often referred to as time deposits. The philosophy behind a certificate of deposit is that a depositor earns a higher interest rate as because the depositor is prevented from withdrawing the funds that he or she deposited within the agreed duration of time.
In summary, the two factors you must consider in choosing a money market or a certificate of deposit are the interest rates and the length of time you want to have the money tied up. A high interest rate does not necessarily mean that it is the best deal and sometimes the rates are not what you think they might be. Usually, the higher interest rates are accompanied by stricter conditions. Therefore, you should always study and analyze the terms and conditions imposed if they are suitable to your current situation.

About the Author:
Are you interested in finding out about a no risk CD? If so please visit my site Best Money Market Rates to find out more.
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Calculating Your Energy Draw and What To Do When You Find Out What a Home Energy Hog You've Been
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Strategies strikingly similar to those in Enron trial.
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Filed under: , , The infamous Pyrenees Castle in Alhambra, California may soon be on the market. The London Times says that now that Phil Spector
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has received a !9-year sentence for the murder of Lana Clarkson he is looking to sell the home and his collection of music memorabilia, much of it from people he worked with as a music producer, to fund his appeal. Spector bought the castle in 1998 for $1.1 million, telling Esquire magazine: "I've brought myself a beautiful and enchanting castle in a hick town." The hilltop abode's surrounding walls bear a sign that reads "Phil Spector's Pyrenees Castle."The 30-room mansion has a past of its own. It was built by Sylvester Dupuy who spared no expense to create a home that replicated a chateau he had seen in France. His version has 10-bedrooms, a game room, breakfast room and a large wine cellar. Dupuy lost most of his fortune in oil investments shortly before his death in 1936 and in 1946, the castle was sold and converted into an eight-unit apartment dwelling. It changed hands a few more times over the years and all sorts of legends have sprung up about the home. Jurors got a tour of the home during Spector's murder trial. How much is the castle worth? According to the Times article, the home where Clarkson was murdered could only be worth around $1 million.Will Phil Spector Sell His Home To Raise Cash? originally appeared on Luxist on Sun, 31 May 2009 18:01:00 EST. Please see our terms for use of feedsRead | Permalink | Email this | Linking Blogs | Comments



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Filed under: Luxist reader David K. led us to today's home in the seaside village of Stonington Borough, Connecticut. He reports that this home was used in the 1980s movie "Mystic Pizza" and was on the market for $9 million a couple of years back. It's back up for sale and for a reduced price. The waterfront property is on 1.2 acres and adjoins a three acre parcel of waterfront conservation land for added privacy. The land includes two gazebos,
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a deepwater dock and landscaped gardens. The home itself has a classic wraparound porch with water views. The home was built in 1886 and remodeled in 1926 into a 7,500-square-foot residences which includes 10 fireplaces. Rooms include a paneled library, a living room with two fireplaces and built-in cabinetry, a sunroom, and in the newer wing of the house added in 1995, a gourmet kitchen and a great room. The second floor is home to a master bedroom suite with a private deck, office area and his and hers baths. There are four additional bedrooms on this floor. The pictures on this one aren't great but they offer at least a glimpse of this classic New England beauty. This home is now listed at $7.8 million.

Experience more lush living in luxury homes and mansions or see the stars living large with celebrity homes galleries at AOL Real Estate. Gallery: Stonington, Connecticut'Stonington, Connecticut, Estate of the Day originally appeared on Luxist on Sat, 16 May 2009 13:02:00 EST. Please see our terms for use of feedsRead | Permalink | Email this | Linking Blogs | Comments



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I've not always been kind to Greubel Forsey watches. I previously stated that some of their "new" "Invention" watches looked a bit too derivative. Well Robert Greubel and Stephen Forsey have redeemed themselves with their latest creation, the Double Tourbillon Technique watch. An odd name, but the design feels just right for what the brand is all about. The watch emphasizes the mechanical inventiveness and triumph of the movement and its complications. The movement has been designed to look and function well being the centerpiece
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of the timepiece. The watch has no dial, it is simply the movement that you see with a watch dial included and the hour markers placed on a sapphire ring around the dial inside of the face. The Greubel Forsey manually wound Calibre GF 02s also features a subsidiary seconds dial and 120 hour power reserve indicator. The heart of the movement is the double tourbillon - which is one tourbillon literally placed inside of another. The inner tourbillon rotates each minute, while the outer tourbillon rotates each four minutes. 385 parts make up the hand built, decorated, and assembled movement. Looking at the watch in operation is likely a satisfying ballet of mechanical intrigue. I would find it hard to remember to check the time when looking at the watch. The Double Tourbillon Technique watch is available in red or white gold, and in platinum. The case is 47.5mm wide, while the movement itself is about 38mm wide. Overall the watch is phenomenal (with a price to match that I have a feeling is about $500,000), and everything that I think Greubel Forsey timepieces should aspire to be - virtually total focus on the mechanics and presentation of a beautiful movement. The details of the watch are written on the side near the crown as the rear of the watch is one large sapphire crystal viewing window.Ariel Adams publishes the luxury watch review site aBlogtoRead.com.Filed under: Greubel Forsey Double Tourbillon Technique Watch originally appeared on Luxist on Sat, 20 Jun 2009 16:02:00 EST. Please see our terms for use of feeds.Permalink | Email this | Comments



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