Credit Card Debt Consolidation – The Hidden Dangers

Credit card debt consolidation sounds great, pay off high interest bills, but credit card debt consolidation has hidden dangers that you must be aware of before you proceed. Drowning in debt can be frustrating and anxiety filled but make sure the relief you seek is truly beneficial to you, let’s discuss what to watch out for.

Credit card debt consolidation loans offer the ability to swoop in and pay off your high interest card debt, allowing you to apply more of your payments towards your balance owed and seize control of your finances back from your creditors. It seems like an easy choice on the surface, and in most cases it is beneficial but there are some common financial traps you must avoid if you get a consolidation loan.

Remember that your new loan is just that, a loan, with financing fees and charges for the approval of your new consolidation loan. This in and of itself is normal, but be wary of companies that charge very high financing charges for the privilege of your loan. You may be reducing your rates with the new loan but there is no reason that you should pay more than you have to finance your consolidation.

Many credit card debt consolidation companies will offer to negotiate settlement of your debt on your behalf with your creditor. What this means is they will negotiate with your debt holder to have a portion of your debt forgiven in return for an immediate pay off of the remaining amount with the consolidation loan. This is very commonly accepted by credit card companies for delinquent accounts as they would rather write off the debt and get paid a little than risk your bankruptcy and non payment in full.

If you choose to settle your credit card debt, simply be aware of the tax ramifications for doing so, forgiven debt is typically looked upon as income come tax time with the IRS. For large settlements you might wish to seek the consultation of an accountant or tax attorney in order to receive a professional consult for your situation.

Also be aware of the affect settlement and consolidation will have on your credit score. You may already have bad credit, and are not in the process of rebuilding yet, then this won’t concern you much. Settlement of your debt has a negative impact on your credit score, and can take years to rebuild from.

Lastly, always be sure to work with a reputable and trusted online credit card debt consolidation company. There are many services fighting for your business, some promise more than they can deliver. There are companies that have earned their trust over many years through hard work and service to people just like you, stick with them for your next consolidation loan.

Spruce Up Your House by Gardening!

It’s a good time to start thinking and planning ahead for your garden. A neat and tidy front yard can enhance a property, but a beautifully planned one can really make an ordinary house look special.

Some accessories that will make your yard look really good can be very inexpensive. Most of us are on a budget, especially these days when we never know how much it will cost to fill up our gas tank. Sometimes at this time of the year, you can find last year’s garden accessories discounted. Benches or garden lights may be listed for sale before the new stock comes in.

There are some basic rules which apply to every garden. Before you start you should try and afford a soil test. This is quite inexpensive and either your local nursery or the Internet will tell you how to go about it. You can also buy do-it-yourself kits. The second thing is to dig compost into your garden, and now (winter) is a good time.

If you are having a soil test carried out, you will know from the results if you should add any other nutrition to your soil. A soil test will mean you will not be buying the ‘wrong’ shrubs, plants etc for your soil type.

There is one last thing that you should monitor: how long and where the sun shines on different parts of your garden. Plants can thrive without direct sunlight, but only if you plant a type that likes the shade. This can still include many bright, colorful plants (i.e. impatiens), so you can still brighten up dull areas.

Once you decide to buy, you do not want to waste your money by having the plants or shrubs die on you. The soil test will curb some of these mistakes. The other thing to do is to look up, on the Internet or from a book, your particular growing zone. If you live in an area where, for instance, you come into the ‘Hardiness Zone’, it will enable you to pick the type of plant that has the best chance of surviving in your type of climate.

Always put short and stocky plants in front of taller ones. Remember to check the expected height to know this information – do not decide by the height at purchase time. Remember that short and stocky plants are generally tougher and more resilient, so choose more of these.

Try to resist buying plants in bloom at the time of purchase. The ones that still have to bloom will probably be stronger for the transplant process. If you have more shady areas than you wish, think about drastically trimming a tree to get more sunlight onto certain patches. Remember that some plants like a lot of water, so group these together to make the watering less laborious for you.

There are many small accessories that will really make your yard stand out. Obviously a strategically placed bench -or chairs and small table- under a tree will look welcoming and relaxing. A small bridge can really enhance a yard, and you can use it as a focal point for a few reeds or grasses to give the impression of water. Or if you feel daring you can try digging your own long shaped pond. Instructions on this are easy to find in books or on the ‘net.

For cheap plants (in fact free ones!) buy a can of ‘rooting powder’ and offer to swap cuttings with your neighbors. It is not recommended to sneak out at midnight with your scissors in hand!!

What Does Reverse Osmosis Do – What is It?

What does reverse osmosis do? This is a question that we've been hearing a lot laTely. A better question would be, what is reverse osmosis good for. The answer to the second question is, not much. We'll explain why as we move along.

What does reverse osmosis do for you to provide you with clean drinking water? It is basically a de-mineralization system used by the water treatment facilities to filter out larger or see contaminants in the drinking water system. It works by using a porous or a ceramic filter to trap contaminants which have a greater molecular weight than the water itself. It will not however block anything of equal or less weight than the water.

So, what is reverse osmosis doing about all of the chemicals, microbes, and spores in our dinking water? How is it protecting us from them? The truth is that it's not designed in such a way as to do anything about them, and without the use of further filtering it's doing absolutely nothing to protect you.

When answering the question what does reverse osmosis do, we can not be completely negative. The system actually has many positive uses when it comes to industrial purposes. De-mineralization is a necessity in many field such as car washing and photo developing. Here it does an efficient and wonderful job.

What is reverse osmosis doing for your health and well being though? Not much at all we're afraid. As you may or may not be aware there are over 50,000 chemicals in use today, any of which can be found in your drinking water at any time. Chlorine, another toxin, is used to disenfect the water, but there are limits to it's effectiveness. Many forms of microscopic bacteria are imperfect to chlorine, and can cause serious gastric distress if ingested.

What does reverse osmosis do to prevent these microbes from reaching your tap? If you answered not a thing, then your catching on. The funny thing is that the very chemical used to disenfect the water does itself leave behind a microbial byproduct. As the chlorine passes, tiny spores are formed which also escape the filters grass.

Some of you may have seen advertising in recent months for rverse osmosis for your home. The ads go on about how their system is the ideal way to protect and purify your familys' drinking water. Do not believe the hype. As we've already shown you, it is an ill effective means of protection. I t really really kind of a silly concept anyway. If the water treatment plant can not decontaminate your water using the system, then what is reverse osmosis for your home going to do?

What you need to do is shop around for a high quality home system featuring an activated carbon filter. There are many different models available, and you can purchase them as individual tap units, or as whole house models.

Now, if anyone should ever ask for you, what does reverse osmosis do? You'll know to tell them, not much.

You Must Listen Closely to Be a Better Car Salesman

When we talk about selling cars for a living we are talking about a competitive field where not all of the participants survive. It's a bit of a dog eat dog environment. The turnover at some car dealerships can be brisk and a couple very common questions among any sales staff is how can I be a better car salesman or how can I sell more cars.

The job of the automobile sales person is a multi-faceted job and in trying to answer the question of how to be a better car salesman there is not a single, all inclusive answer. Like most jobs there are a series of different tasks performed and in order to be successful one must work at and improve all of the different aspects of the job.

Listen to Be a Better Car Salesman

When it comes to being a car salesman one of the most important aspects of the job is being able to effectively communicate with people. There are not any tricks when it comes to dealing with people, but a critical part of dealing with a potential car buyer is to listen closely. Most people believe that in order to be a better car salesman that you need to be a good talker when in fact the truth is that you need to be a good listener.

I am not simply talking about the words that come out of their mouths. You see car buyers do not always tell every detail so to be a better car salesman you need to ask questions and listen closely. It has been said by many successful sales people that if you listen close enough the customer will tell you how to sell them a car.

If you want to be a better car salesman you need to listen to every word that comes from their mouth, but you also need to listen by watching their body language. The car buyer's body language consistors of facial expressions, body movements, attention span and attentiveness. When you present a vehicle to your customer and demonstrate some of the features and the customer is looking at the next feature while you are showing them the current feature the customer is telling you that you are moving too slow or that they are not very interested.

If you were listening closely by watching them and noting that they are not interested in that feature you would move on to something that interests them. However the sales person that was not paying very close attention would drone on about the feature and before too long their customer would become bored. This is a not an example of how to be a better car salesman, but how car buyers get turned off by sales people. That customer is very likely to get bored with the entire process and before long they would ask for the salesman's business card and tell them that they will be back when they have more time.

Then that customer would kindly visit another car dealer and if they are taken care of by a salesman that is listening closely and pays attention to their words and body language they will more than likely buy a car. This is a very common scenario when it comes to the business of selling cars and if you are determined to be a better car salesman you will start to pay attention to everything that your customer says and does and tailor your presentation accordingly.