Mar 172024
 

It is amazing how susceptible people are to get-rich-quick scams and how good they seem at first. Every year thousands risk and lose money they can’t afford to lose, while seeking that “next big thing.” There has never been a get-rich-quick scam that didn’t appear awesome on the surface. This is because the designers of these scams are a great deal better at camouflaging these bad deals than most people are at discovering them.

How can you steer clear of such scams? “Trust in the Lord with all your heart, and do not lean on your own understanding” (Proverbs 3:5). Below is a short list of a few straightforward rules to help you avoid get-rich-quick scams.
· Stay with what you know
“By wisdom a house is built, and by understanding it is established” (Proverbs 24:3). Seldom will anyone be suckered into a get-rich-quick scam in his or her area of expertise. Most people who make money do it in the area in which they have the most knowledge and experience. Those who fail more often than not do so in an field where they understand only a small amount (if anything) about.

· Don’t make quick decisions
“The plans of the diligent lead surely to advantage, but everyone who is hasty comes surely to poverty” (Proverbs 21:5). The fundamental nature of a get-rich-quick scam is emotion. The advertiser advises the prospective customer to take action immediately otherwise the chance may be missed. The last tactic is to play on a persons greed by hinting that another is waiting to snap up this once in a lifetime chance. What is the best way to avoiding this type of ploy? “Rest in the Lord and wait patiently for Him; do not fret because of him who prospers in his way, because of the man who carries out wicked schemes” (Psalm 37:7).

· Seek expert guidance
“The way of a fool is right in his own eyes, but a wise man is he who listens to counsel” (Proverbs 12:15). It is surprising how fast somebody that is not blandly involved with a get-rich-quick scam can spot its flaws. Expert, impartial counsel must be a requirement before any important financial decision.
Many of the most successful men in the world were well versed in the proverbs. Albert
Einstein and Benjamin Franklin to name only two. If you do not know it the Proverbs
were written by King Solomon. He is the wisest and wealthiest man to ever live. His gold reserves alone would be worth almost a trillion dollars today. Can you find a better mentor? I don’t think so. “It is the blessing of the Lord that makes rich, and He adds no sorrow to it” (Proverbs 10:22).

(c) Allan Ingledue. All rights reserved worldwide.

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Mar 162024
 

There is a difference between small businesses that are just making it, and companies that are truly taking off. This difference commonly lies in the strategy being used to maximize the success potential of the business. Such strategies are made up of important techniques – primarily the four following – that allow a small business to make sure that it is functioning at its very best.

To be sure that your business is maximizing its potential, employ the following practices as a part of your own business strategy:

• Make sure that your business offers knowledge or services along with its products. No matter what industry or niche your company happens to fill, you will need to make sure that you have information and services to offer your customers that are different from your competitors. Success, especially when marketing on the internet, is all about having something to offer, whether it’s knowledge, services, or something else. This will also help you to be seen as an expert. The more you are perceived as having expertise, the greater the trust you will have from your clients, and the stronger those relationships will be.

• Don’t just say that you care about your customers. Care about your customers! This is one of the most far-reaching methods that you can use for growing your small business. Though your prospective and current customers are important to your business because of their money, you need to show them that they are important to you for more than just that. They need to simply be important to you; period. This means being honest with your customers, and telling them the truth about the ways in which you are able to fill their needs. Put your focus on helping the individual, not simply the majority of customers. Your efforts need to move from making a sale to helping the person. Remember, it is much easier to create a repeat client than it is to create a new client!

• Make going above and beyond a policy. If you want to make your small business stand out from the rest, then you need the superior quality of your products and services to shine through. Make your aim to over-deliver, every time. Remember that customers love feeling as though they’ve received a good deal. This can mean discounted prices, valuable bonuses, or surprise free gifts with purchase.

• Maintain regular contact with your customers. Using e-mail, direct mailers, catalogs, promotional flyers, “preferred customer” coupons, and other communication tools, it is easy to provide your customers with regular contact, informing them of great deals you’re offering, while reminding them that you’re around. Make these communications worth while by offering free tips, discounts, and other useful ideas.

The main idea is that if you want to achieve your greatest success in your small business, offer expertise, care for your customers, deliver beyond your customers’ expectations, and keep in touch. These are the difference between maintaining your business, and growing your business.

Mar 092024
 

Britney Jean Spears was born on December 2, 1981. She is a Grammy Award-winning pop artist. Though she has had acting and writing credits, she is primarily known for her studio albums, music videos, chart-topping pop songs, and provocative stage performances. Her first single hit, “…Baby One More Time,” hit #1 in 1998.

Born in Mississippi and raised in Louisiana, Spears was an accomplished gymnast competing in state-level competitions before breaking out into the music scene. Spears earned public renown when she joined the New Mickey Mouse Club in the early 90’s. In 1992, she would win the first round of Star Search, but would lose in the second round. After the show ended, Spears took a five year break before storming the music scene. Spears’ debut album, “Baby One More Time” sold over 28 million copies worldwide, propelled by its lead single, “…Baby One More Time”, as well as the follow up hit single, “(You Drive Me) Crazy”. Spears’ sophomore album, “Oops!…I Did It Again” would go on to sell 24 million units worldwide, led by hit singles such as “Opps!…I Did It Again”, “Lucky”, and “Stronger”. By the early 2000’s, she had gained huge commercial success and public appeal, inking deals with big companies such as Pepsi.

In late 2001, Spears released her third album, “Britney”, which would go on to sell over 746,000 copies in its first week in the U.S. The success of Spears’ third album debut made her the only female ever in SoundScan history to have her first three albums debut at #1 on the charts. The “Britney” album would go on to sell 15 million copies worldwide. The following year, Britney would star in a movie, Crossroads, which would reach second place on U.S. box-office charts in its opening weekend. The film, however would not last long in the top ten. Her highly-publicized relationship with former ‘N Sync front man and former Mouseketeer, Justin Timberlake, ended in March of 2002.

In November 2003, Spears released her fourth album, “In the Zone,” which would become her fourth album to debut at the top of the album charts. To date, “In the Zone” has sold about 10 million units worldwide. In 2004, Spears would debut with her first perfume, “Curious,” which would net more than $100 million in sales in its first year of sales. In late 2004, Spears’ first greatest hits album, “Greatest Hits: My Prerogative” was released. The album would go on to sell a total of 8 million copies worldwide. That same year, Spears married dancer and hopeful rapper Kevin Federline, with whom she had her first child. She is currently pregnant with the couple’s second child, which is due in September.

In September 2005, Spears released her second fragrance, “Fantasy,” which also became a top-selling perfume. During the spring of 2005, Spears and Federline launched their own five-episode reality show, Britney and Kevin: Chaotic, which premiered on UPN to sub-par ratings and reviews by critics. In late 2005, Spears released a remix album, B in the Mix: The Remixes. The album, which received minimal promotion, debuted outside the top 100, but to date has sold over a million units worldwide. In February 2006, Spears joined the cast of NBC’s Will & Grace as a guest star and released limited edition perfume, “In Control”. In May 2006, Spears would announce her second pregnancy on The Late Show with David Letterman. Spears, most recently sat down with Matt Lauer in an interview with Matt Lauer aired on The Today Show. In the interview, Spears made public that she would not release a studio album for at least one more year. One June 20, 2006, Spears released on her official website, the chorus to a new song from her, entitled “Rebellion”. Three days later, a 50 second clip of the song was posted.


Britney Spears Ringtones

Mar 022024
 

When asked what is most important to people when dealing with home entertainment, most people agree that convenience is number one. They want their television viewing to be simple, with a large number of options. This desire for convenience is one of the major reasons why Dish Network is the top satellite television provider in the United States, with well over 12 million customers and more being added daily. Dish Network understands that their customers want the very best in service and program availability, but with the highest level of ease and accessibility.

The incredible ease of being a Dish Network customer starts right away, with the initial ordering of the product being either an online click or a telephone call away. A friendly and helpful customer representative receives your call, and schedules an appointment for the satellite system to be installed. This installation and set-up is planned around your busy schedule.

The day of installation, a highly trained and reputable technician will install the new system for free. That’s right- there is absolutely no cost for the initial set-up of your satellite system! In addition, all of the equipment that is given to you is 100% free. Dish Network’s reputation for excellent customer service is based on these sorts of deals. The technician will then take the time necessary to answer any questions you may have, as well as show you how to use the remote and any other parts of your new set-up that may need an explanation. They will also alert you to methods used for trouble-shooting, such as Dishnetwork’s 24-hour online and telephone customer service.

Once the new equipment is in place, the convenience continues as you are the one who decides what type of programming will be part of your package. In other words, you’ll also be the one who determines how much your bill will be each month. There will definitely be no surprise fees when your bill is delivered. As for that programming, you’ll probably have a tough time picking from all of the options offered by Dish Network. Options abound, whether you’re looking for sports, movies, news, children’s programs, weather, local or regional broadcasts, sitcoms, international shows, or specialty-themed channels. Oh…and another source of convenience are the numerous pay-per-view channels one may receive. Whether it’s adult programming, special sporting events, or select movies that you absolutely must see, Dishnetwork has it all, and it’s all so very easy to deal with. There have never been so many options for entertainment in the home!

The greatest example of how Dish Network allows for the most convenient home entertainment in the industry is the inclusion of the DVR (Digital Video Recorder). This easy-to-use piece of new technology is a free gift to new customers, and makes life a whole lot simpler. The diverse and broad programming options have already been mentioned- now it’s time to learn how all of those programs can be seen at a time that best fits the viewer’s busy schedule. The DVR allows you to create a very personalized library of commercial-free television. It does this by enabling you to digitally record the shows you’d most like to store, up to an incredible 100 hours worth! It is also possible to pause live television, in the event that something unexpected comes up. Simply pause and then play, or rewind and then play, whatever it is that can’t be missed! It’s amazingly that easy to stay ahead of the game. Dishnetwork allows its customers to order the very best in satellite programming, and then to watch it at a time that is best for all involved. This is the epitome of ease and convenience, and it is one of the many reasons why Dish Network is easily the most popular provider of home entertainment in the country.

Several companies claim to be concerned about their customers’ needs, but Dish Network TV consistently proves it by doing anything and everything within their power to make viewing television an easy and enjoyable experience. There is no comparison, and recent surveys prove that Dishnetwork is at the forefront of customer service. With free equipment and installation, as well as 24-hour trouble-shooting assistance available, they are paving the way when it comes to satisfying and accessible service. Simply call their toll-free number now, or click on Dish Network Offers, and find out why everybody is making the move to this new king of convenience.

Mar 012024
 

“India a land of yogis and mystics” is a quote familiar with the western press. Known for its magical feats and the famous rope trick, India is a land that has always exuded charm. Yoga is a tradition in India and is seen as a means to enlightenment. Yoga is of four basic types, Karma, Bhakti, Jnana and Raja Yoga. Karma deals with action in the world, Jnana deals with knowledge and intellectual endeavor, Bhakti deals with devotion to a deity and Raja yoga deals with meditation. Modern Yoga has taken on a new connotation devoid of any spiritualist with the asanas or postures of hatha yoga included in fitness regimen. This has essentially led to many self designed types of yoga and is a lucrative business. Yoga essentially means enlightenment and is central to Hinduism and offshoots of Hinduism. Modern Yoga practice has inherited a few elements from this ancient tradition. Breathing exercise (pranayama) and meditation is the most popular of these. Yoga has a unique ability to relax a person and this is adopted by persons who do not look for enlightenment but for its utility to health of mind and body



The goals of Yoga are expressed differently by different traditions. The goals of modernism are relaxation and distressing of a person. With this in mind we have a number of tailored programs. Yoga for beginners, Yoga for Women, Yoga for Children, Yoga for heart, etc. are the advertisements you would see to entice people to join a yoga fitness center. The common form of Yoga is the practice of concentration. The focus of meditation is different from school to school. Heart (anahata), or third eye (aina) are major points of focus, meditation on peace or Deities is another form. Hatha yoga was invented as purification so that meditation can be done with ease.



Physical purification, Moral Discipline, and meditation are the basics of yoga. There is a far wider reality which often gets forgotten in modern fitness practices. It is sorry to see that instead of holism practiced another view of yoga is propagated. Blinding the horse to see only in one direction is what the market forces have done to Yoga. Enlightenment is left far behind in our globalization and commercialization. Hatha yoga is only viewed for its health benefits and not for its enlightenment.



Health Benefits


    It is believed to calm the nervous system.
    It helps to balance the body, mind, and spirit
    It follows the same principles as life energy and helps prevents specific diseases.
    It is used to reduce blood pressure and stress
    It improves sleep, coordination, flexibility, concentration and digestion.
    Alternative remedies suggest it as a therapy for cancer, cardiovascular diseases, diabetes, asthma and Irritable Bowel Syndrome
    It is helps in treatment of spinal problems and chronic back pain.


Yoga as a healing alternative is now the most popular form and very few look towards yoga as a means toward enlightenment.

Feb 272024
 

When changing printer toner, one’s first priority is often getting the printer running as quickly as possible to finish the project at hand. But it’s best to slow down and take the time to follow necessary safety precautions.

While printer toner itself isn’t a health hazard, its fine powder in high concentration can be. This powder can stay in the air for quite a while, and is similar to dust when it comes to its effects on our body, resulting in irritations like sneezing and coughing. Add any respiratory conditions like bronchitis or asthma and these effects worsen.

How can this dust become airborne? You’d be surprised at how easy it is. Improper disposal of printer toner in waste baskets can quickly spread dust through the air. Machine spills can cycle through the ventilator fan. Over-filled waste toner compartments can overflow within the machine.

Some laser printer toners are considered carcinogens, or cancer causing, increasing the risk of those individuals facing extremely heavy and long-term exposure. Nevertheless, typical office and personal use is deemed safe.

So take precautions. Vacuum, don’t sweep or brush, spilled toner dust. Clean up desktops or surfaces with a damp cloth. Should toner get on your hands, wash them thoroughly and immediately with soap and cold water, which keeps your pores closed and protects your hands from becoming stained. Avoid any contact with your eyes or mouth, and never ingest. To play it extra safe, put the toner in a zipped plastic bag to avoid possible dust emissions.

If you experience shortness of breath or persistent coughing, stop working with the printer toner, if applicable, and get fresh air immediately. Then seek medical attention if your symptoms persist.

Since 1999, TonerDealers.com has been one of the largest toner resources online, saving customers up to 60% on nearly 4,000 unique toner and cartridge models everyday. TonerDealers.com offers a vast selection of toner cartridge products for your IBM, Dell, Cannon, Brother or Apple, Epson, HP, Samsung, Xerox, Lexmark or Sharp printer. We want to be your toner supplier for life, offering a full, 100 percent commitment to quality.

To shop for the best deals on printer toner cartridges, visit TonerDealers.com, today.
or register for a FREE HP inkjet printer – www.getyourfreeprinter.com

Feb 262024
 

Having your own Honda ATV is not merely your dream. You also extend the vision to make it appear the way you want it to be. Realizing this vision is very easy and fun. There are several ways to customize or look for the particular graphic kits suited to whatever style of ride that you would always want to maintain.


You can make your Honda ATV look just the way you want it. With ATV Graphics kits –Honda, personalizing your machine can be made possible. Yes! By just purchasing graphic kits for Honda, you can enjoy creating a unique design for your All Terrain Vehicle. It is always the nature of every rider to reflect his personality with the way he decorates his vehicle. Honda understands the individuality of each in the large audience; hence, a big array of designs can be found in the market today. Specialty shops can guide you get your desire kits. Nevertheless, it is still smart that you spend more time reviewing what you enjoy.


Honda has a never-ending attempt to come up with inventions in such a way that your interest is respected and regarded. One area of your interest that Honda puts in high priority is your excitement to redefine the appearance of your bike. You don’t just drive your ATV you make it appear cool and good looking. Positioning yourself as the driver gives you the privilege to have your machine personalized according to your own distinctive choice. ATV Graphics Kits – Honda answer this need.


Customizing your ATV gives you a secure sense of feeling since you know your ride is going to look exactly the way you want it. There are many ways for you to get the perfect graphic kits for your bike. Basically, it is smart to research the designs that are presently available. Your guess may be easy to complete as you browse on specific Honda graphic kits. For alternate sources, you can try to look into your local phone directory or you can as well browse the net.


You can really acquire by any means what you want in light of your personal preference of a pre-defined graphic kit or the fun of getting a personalized customization from professional detailers. If you are to be on any kind of a budget, then stay weary of the best deals.

Feb 232024
 


Debt and credit cards have become an inevitable part of a modern UK student’s life. With graduate debt running at an average of over £13,000, it is easy to see the appeal of gaining the ability to spread the day to day living costs, putting them off until that high paid post college job appears.

Visit most University Freshers Fairs and it will be easy to find several different banks offering student financial services, alongside Virgin and Barclaycard student credit cards, all with low introductory rates, shopping discounts, free CDs, or other new gift idea.
Despite having a low irregular income and no credit history, students represent an ideal target for the banks. The reasons that students are desirable as new customers is that over their working lifetime graduates earn on average of £400,000 more than non-graduates UK, combined with the fact that once they have accounts in place, people are generally reluctant to switch to other providers, and so by attracting students early in their financial life, they are liable to remain with the same credit card provider for life.
Obtaining a student credit card can also be of great benefit to students, not only by assisting with the daily budgeting, but also by initiating the creation of a credit history that can be used to support future loan and mortgage applications. There are drawbacks however, and it is however important to be remember not to abuse these newly obtained credit facilities, as any credit obtained will always need to be repaid and building up a poor credit history can prove damaging to future finance applications.

It should be noted that students are not restricted to just choosing a student credit card, however as some standard credit cards do not require the applicant to maintain a minimum regular income, however there is generally little or no difference between the cards themselves, and the various free extras combined with the ease of obtaining a student credit card rather than a standard one, frequently make student targeted cards a better option.

With online fraud protection, travel assistance, online account management, 24 hour helplines and free text alerts set up to notify when payment dates are due, the beneficial reasons for students to obtain a card are numerous, and as long as care is taken to not over use the facilities and repayments are met, then a credit card can provide a useful flexibility for their personal finances.

An important point to remember whenever taking out any form of finance is to take the time to compare as many of the currently available deals that are available. With a little care and a simple check on the suitability and interest rates which will be payable, using free credit card comparison services like Moneynet can help to minimise the potential repayment costs involved in the future as well as maximizing the various benefits.

Disclaimer:

All information contained in this article, is for general information purposes only and should not be construed as advice under the Financial Services Act 1986.

You are strongly advised to take appropriate professional and legal advice before entering into any binding contracts.

How To Build A Huge Opt In List Of Hungry Subscribers

 Fragrance  Comments Off on How To Build A Huge Opt In List Of Hungry Subscribers
Feb 182024
 

An opt in list full of hungry subscribers are the soul and spirit of any online business existence. But how do you build it so that the subscribers will respond to every offer that you introduce them? First, we will take a look at what makes an online business and the techniques of getting hungry subscribers into your opt in list.


Every online business provides great service to generate satisfaction among their customers. As each and every customer receives satisfaction over their products or the services they get, there is a great chance that they will become a return customer and buy again. Better yet, they will recommend you to other people that could generate more business for you and your site.


As more traffic is driven to your site, you can entice many of them to subscribe to your mailing list or opt-in list. This is a list where in website visitors agree to be sent promotional materials such as newsletters, catalogs and such that could keep them updated about your site or the niche of your site. These promotional materials are sent via e-mail to the members of the list in different time intervals.


When using e-mail as the media of your marketing and advertisements, you eliminate the need for high costs. Email is free and if you can manage to make your own promotional advertisements you can also save a bundle there. With an opt-in subscribers list, you are pretty sure that what you are sending out is received, viewed and read by the subscribers and not simply being deleted. They have signed up for service and have consented in receiving it.


This means that there are constant reminders to your subscribers about all your products, new products and services as well as any promotions and special deals you are having. There is also the chance that they can be forwarded to other potential customers as they tell their friends and families about you and your site.


Of course you should be also aware that a subscriber may unsubscribe when they feel that they are not getting what they want or expected. Make sure that they are satisfied with your opt-in marketing strategies and keep them excited in receiving your newsletters and catalogs. Here are some tips that can help you build a list of eager subscribers.


Make your promotional materials interesting and fun. Try to use a little creativity but not too over artsy. Build around what your product or service is about. For example; if you are selling car parts, put some pictures of what is new in the auto parts world, a new wing door possibly that can fit any car and make it look like a Lamborghini.


Try to research what people are looking for, these way, you stay one step ahead of them all the time and you will be their bearer of new tidings. They will be eager to receive what you are sending them because they new you always have fresh and new things to share with them.


Write good articles that can be very informational but light at the same time. If your subscribers enjoy your articles, they will go to your site by clicking the links that you will be putting on your newsletter to read some more. You can provide articles that can connect to many people. Be diverse in your articles. Put something humorous, then put something informational, then put something that has both.


Are you wary about this because you don’t like writing? No problem, there are many professional and experienced article writers that can do the job for you for minimal fees. They know what they are doing and can provide the need that you have for your newsletters, the money that you pay for your articles are going to be met by the many sign-ups and the potential profit from the sales that you will get.


Create and send an E-book to your customers about anything that is related to your business or site. Use your knowledge and expertise in the field you have chosen to help other people who are similarly interested. Offer this e-book for free. You can write about anything informational and helpful to your subscribers. For example; you can do manuals and guides in so many things. This e-book could be used as a reference for many people.


Share this e-book with everyone, even other sites; just make sure that they don’t change the links in the e-book that will lead people to your site. If you want, you can always get some people to write it for you just like your articles. Your investment once again will be covered by the great marketing this will generate.


Add e-coupons in your newsletters that will help them avail to special discounts. Put a control number in your e-coupon so that they can only be used once. When people get discounts that can be found in your newsletters, they will be eager to receive your newsletter in anticipation of what you are promoting next.


If your subscribers can get benefits from your newsletters, they will be very eager to receive them. Just don’t flood your mailing list with mails so that you don’t annoy your subscribers.

The Power of Our Subconscious Mind

 Fragrance  Comments Off on The Power of Our Subconscious Mind
Feb 162024
 

Have you ever fully appreciated that marvelous tool for success that each and every one of us has at our command? It is our mind.

Theodore Roosevelt

“All the resources we need are in the mind.”

In the novel “Terminal Man” by Michael Crichton, it mentions that at that time (1972) the largest and most expensive computer had the same number of circuits as the brain of an ant. To make a computer with the capacity of the human brain would require the size of a huge skyscraper. Its energy demand would be the equivalent of a city of a half a million.

I know computers have come a long way since 1972 but it shows the tremendous capacity of the human mind.

Did you know our conscious mind is only one-sixth of our brain’s thinking and power? Our subconscious mind represents five-sixths of our thinking and power.

The whole mind, conscious and subconscious, possesses the power to solve any problem that may come up, or provide the necessary ways and means through which we can achieve our ends.
The conscious mind holds only about 7 pieces of information in short-term memory. Your sub-conscious mind, however, stores all the knowledge you have ever acquired. Everything you have ever read, heard, thought or imagined is held within its immense memory.
Brain researchers estimate that your unconscious mind outweighs the conscious on a scale of ten million to one. This is the source of your hidden, natural genius. In other words, this part of you is much smarter than you think you are. This is where the great artists, writers, and poets to get their inspiration.

Albert Einstein

“The intellect has little to do on the road to discovery. There comes a leap in consciousness, call it intuition or what you will, and the solution comes to you, and you don’t know how or why.”

“I am enough of an artist to draw freely upon my imagination. Imagination is more important than knowledge. Knowledge is limited. Imagination encircles the world.”

The subconscious mind is useful in two ways. The first way involves receiving information, solving problems, and receiving inspiration.

The second way deals with programming your mind to supercharge your confidence, your self-image, and your desired beliefs. This can take a little time at first but like many things gets easier with practice.

Programming your subconscious works best through visualization. Pictures and symbols are by far the most effective way of impressing your subconscious. Speaking of symbols and pictures, this is why dreams are largely symbolic in nature. While you sleep your mind processes information and presents it back in the form of symbolic pictures.

What’s great about your subconscious mind is that it never rests. Whatever goal or problem you give your subconscious, it will work on continually, day or night.

Whatever you think and ponder about deeply with strong emotion makes a strong impression on your subconscious. This is why you also need to be careful. Excessive worrying and negative self-talk can also make strong impressions.

You want your subconscious mind to be a goal achieving, success mechanism, not a failure mechanism.

How to Lose Credit Card Debt – Legally

 Fragrance  Comments Off on How to Lose Credit Card Debt – Legally
Feb 132024
 

There are millions of people who are ‘up to their eyes’ in debt. For the
majority of these people it’s difficult to see a way out of the debt trap.
However, there are some practical things that can be done to alleviate the
situation. Here are some tried and tested methods:

Using credit cards to rack up a huge debt is doubtless the easiest thing
anybody can do. It may be hard to comprehend that the majority of us feel easier
handling credit cards than handling money.

Huge credit card debt has the effect of heavy and never-ending losses until
the debt is got rid of, because interest charges on credit card debt are so much
much higher than regular borrowing. One ends up losing more money paying
interest than has been spent, not to mention the inevitable effect on credit
rating when one neglects to meet up with the payments. These situations can
actually be used to benefit you if you use a little determination and follow
these suggestions:

Bearing in mind interest charges, transfer your balances to the lowest rate
card where you could get a zero percent or much lower rate for a certain amount
of time. During this period you can deal with all your other high interest rate
debts. You should keep track of other deals with helpful balance transfers and
get ready to start the process again when the original offer is nearing its end.
In the event that one does not present itself, pay off as much as you can to
reduce the debt. Because the finance industry is so competitive, you will always
find zero percent offers available out there in the marketplace. Never forget
though, the debt has not gone away.

Another extremely useful tool that you should find effective in reducing your
burden of credit is a debt consolidation loan. These loans carry much lower
rates of interest when viewed against credit cards. It’s possible to get a debt
consolidation loan at a lower rate and do away with all the debt. Just be
certain that your repayments are always punctual so that your credit rating does
not get even worse than it already is.

Another way of reducing credit card debt would be to employ some self
discipline. Clearly this is easier to say than to achieve, but the only workable
way out of your predicament is to destroy your credit cards, so that there is no
temptation to spend unless you have the extra money to spare.

You can save yourself much trouble (and extra cost) when it comes to late
payments so try to set up some kind of automatic payment, otherwise you may be
tempted to put your credit card bill on a pile and get around to it when you
have ‘more time’. The big drawback with this method, before you know it a few
weeks will have gone by and you’ve been stuck with a late payment. If you leave
it until the deadline to send payment, you might find that it won’t get there by
the deadline. Never forget though it’s not a deadline for sending the money,
it’s a deadline for the credit card company to receive it.

Paying late is a big mistake for a few reasons. You will definitely be
charged a late payment fee and your late payment will go on your credit report
for everyone to see. You may also find that you lose the beneficial rate you had
and your debt will be automatically put onto the worst rate that the company
offers.

If using the mail you should ensure you post your payment at least a week
before the due date. If you’ve left it to the last minute, ring them up and try
to make payment over the telephone.

Ever heard of the old saying: closing the stable door after the horse has
bolted!? You may think that this article is that idiom personified. However,
when it comes to credit card debt, I do believe that the saying should be
modified to: closing the stable door before any more horses bolt!