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By Alan Bentley

Just think about it " you have met a great guy, someone who really excites you. Could this be the man of your dreams? Now you need to think about the next couple of months. Present your best side to him. In short order, you need to think of some great dating ideas.

You should try and be yourself as much as possible during the early process of building a new relationship. Although it is normal to be a little jumpy and think that you need to be the one with all the good ideas, just relax and enjoy these first few weeks or months as they unfold.

After one or two dates, you really ought to find out what drives hi! m. What is he interested in and does he have any hobbies? Pay particular attention at this stage as you will be able to come up with some great dating ideas. Maybe he has a favorite recording artist or rock band, for example. If so, get on the computer and find out where and when the artist is going to be performing. Make some reservations and go along, paying particular attention to the performance, showing a keen interest throughout.

Try and build some rapport between you by engaging in something really worthwhile. He will really respectful you if you come up with a good idea, such as volunteering to help support a local charity or another good cause of some kind.

If you live in a city with a wide variety of culinary attractions, go out of your way to find something unusual that neither of you has tried before. Of course you do need to ask some subtle questions to see that he has no particular food allergies or particular distaste, but having sai! d that, look forward to a great treat on the town.

You do n't always have to go out of the house when you are thinking about great dating ideas. There could be a project ready to tackle at your place or his. For example, the garage could need a makeover or a spare room could do with redecorating. This date might be hard work or even develop into several!

Holidays are fodder for coming up with great dating ideas. if you are creative, you will be able to think of a lot of fun times surrounding Thanksgiving, Halloween, Easter or any other festive occasions.

Avoid the mundane at all costs when you are in the first phase of a romance. Much effort should be put into coming up with great dating ideas, as if you don't, your relationship could be short-lived. Both parties need to be innovative but don't hang around to see what he will do. Get your thinking cap on!

About the Author:

Writer A! lan Bentley has a lot of information to help you discover great dating ideas. A fantastic resource can be found at at www.cracktheguycode.com.

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loan application Why I Will Get Tungsten Wedding Rings

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By Jose Rameriez

There are some things that I consider before tying the knot. Probably the most important thing is that I make sure that the person I am marrying is the one really meant for me, just so I won't have to face any troubles in the future. Marriage for me is both sacred and scary.

This is why I want to make sure that I am marrying the right person for the right reasons, so as not to have regrets in the future. And should I decide to take that leap, I want to make sure that the thing that will remind me of the life-altering commitment is very memorable. That is why I will get tungsten wedding rings when the time comes to tie the kno! t.

Why would I get tungsten wedding rings? For one, these will make your wedding more special. A lot of people, as a matter of fact, are starting to choose these for their weddings because they have a certain quality in them. Tungsten wedding rings are great metaphors to longevity of marriages.

If you symbolize your marriage with something, like a ring, I believe that there are certain energies that connect you with it. It becomes a part of you. It signifies your love for each other. And if it is made of a weak material that can get broken or dented, then there is a big chance that your relationship will suffer the same.

Tungsten wedding rings will not let this happen because it is made of a very strong material--tungsten. This is an element that was previously used in the military. Tungsten were used during the Second World War to make weapons and armors. It was also used in mining. When jewelers discovered that it can combined with c! arbon alloys to come up with a very strong metal, they then de! cided to use it in making rings.

Tungsten wedding rings are great symbols for strength. This should inspire you to stay strong in the face of hardships.

These rings are durable. The significance it has on your marriage is very important because you will be inspired to weather all storms and stand the test of time. No matter what the odds are, you can be assured that you will still stay together after all the years, and keep the flame of love burning, just like the ability of tungsten wedding rings to maintain its natural shine.

All these things are great reasons to choose tungsten wedding rings for your special day. But there is one thing left for discussion: affordability. Compared to diamond and gold rings, tungsten rings are very much affordable.

About the Author:

If you are looking for the best looking tungsten wedding rings, then stop looking now. We have a full selection of men's tungsten rings. Come see our website today.

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ltd loan Bachelor Degrees Online - Top Tips For Earning Your Online Bachelor Degree Successfully

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By John B Maxted

Completing your college degree online is one of the best moves you can make if you are willing to do a little work to make this happen. Having a bachelor degree will put you in a great position to establish a successful career in your chosen profession. Options are plentiful for completing your degree. Online bachelor degree programs are offered by some of the top schools in the country as well as internationally. Many of which have relatively affordable prices.

The programs are not easy. They do require work and this is where a lot of people have probl! ems. They may not have a good environment in which to work. Between the noise levels at home due to television, video games, children and pets as well as people dropping in and eating, this may interfere with your study time.

This being the case, many people will find themselves unable to work as effectively as they would in a classroom. Other issues may be related to internet/computer troubles, and of course your ability to actually pay the internet bill.

If you can manage to do this, it will be a very rewarding outcome. The following tips are designed to help you find the right path to your bachelor degree so you can get started on your promising future.

Find a Respectable School

The Counsel by Higher Education Accreditation (CHEA) should be one of the places you check when you find a program you are interested in pursuing. If they do not recognize this program you should be wary; they may not be what they seem. T! he BBB also is a good source for getting information on accredited online schools. The schools you cannot find contact information for should be considered suspicious as well as the ones that will allow you to buy your diploma. Schools that are based out of the country are hard to check on too. Anything that sounds the least bit shady should be dismissed as a possibility.

Get your Transcripts in Order

The typical records will be needed such as your high school diploma and any certificates in other types of schooling. Making transcripts and other types of documents available will ensure you are able to get help if you qualify.

Visit the Campus

If there is actually a physical school that you will be considering you should make a visit and see what impression you get of the institution. If not and it is an online college, do a little rese! arch and see what you can find. One way is by contacting former students of this program and ask them if they had any problems. By doing a fair amount of research this should tell you if the school is going to be a school you want to attend.

Financial Help is Available

Most people cannot afford to pay for their education out of pocket. This does not mean they cannot get one. The schools normally have arrangements made with local banks and they offer a financial aid plan. The better your credit is the more chances of getting a good loan but if it is not perfect, you can still get help. You might just have to pay a little more. When you want to go to school to earn a bachelor's degree, there are options if you are having financial straits.

Is This the Right Time?

Make sure you're at a time in your life when going to school is convenient, and you won't have and issues finishing. Ensure that you are free of most ! stress, though it's impossible to rid yourself of all stress. ! You must also make sure that you are financially ready, and can keep up with the costs of attending a program to obtain an online bachelor's degree.

Make your Final Arrangements

Paying tuition fees, getting applications and all the paperwork filled out and a consultation with a financial adviser are all steps that will need to be taken. If you can get everything going to get your bachelor degree, your life will be set up for great earning potential. You will be well on your way on the path to success.

About the Author:

John Maxted is an online education specialist who has a passion for sharing his knowledge. The easy to read information he provides on online courses and online bache! lors degree programs is definitely worth reading. John's objective is to save you time and eliminate the chance of paying too much for your education.

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loan jobs Overcome Shyness Through Self Help

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By Hans S Delane

For people who are extremely shy, the idea of talking to new people makes them quite nervous. The moment you think about it, there is a churn in your stomach. Serious shyness has a potential for deep impact on the social activities of peopl! e. At some point in time, millions of people suffer from a disease called social anxiety. There is a remedy for this disorder which is called cognitive behavioral treatment.

Earlier on, scientists used to attribute the family environment to the emotional growth and development of a child. Now it appears that nature has programmed people's personality towards being shy. This disorder is overcome by many people, while at the same time, a number of them actually live with it till their old age. Today's generation lives in a world which needs less social contact and therefore this contributes to the underdeveloped social conditioning of some people. Internet and its related aspects like email interaction and computer based games, lead to risk of people becoming less social. If you happen to suffer from this disorder, there are a number of things you can do to overcome it.

First and foremost, identify what triggers shyness. Every situation does not lead! to shyness in all the people. What time do you feel anxious? ! Ask your self the question about when do you feel shy. Do you have negative thoughts and predictions automatically? Before you start believing that the negative assumption you are making is fact, try and challenge your thought process.

As a shy person, start thinking that the thought in your mind is only a guess. Do not focus too much on thoughts that confirm your anxiety. Start shifting your thoughts to something which disapproves it. One cannot please everyone at the same time.

Summon your guts to face the situation head on. Exposure is the best way to fight it since you yourself place yourself in situations where you encounter anxiety and shyness. Start facing your fears repeatedly so that you become accustomed to them, which will eventually lessen the grip and disappear. The end objective should be start facing the what you fear the most so that it appears simple to you. Even though, this may lead to hiccups in the beginning but it is a good idea to star! t doing it as soon as possible. Do not delay this as it will lead to more challenges for you.

Shyness happens to be a personality characteristic and not a psychological imbalance or disorder. It has varying degrees of shyness. Some people simply can't face crowd and then there are some who want to live like hermits, totally cut off from the world. That's not the way one should be living their life. Some shy people treat shyness as a cocoon. The cocoon provides them warmth, quietness and aloofness. At the same time, it is very dark, lonely and confining.

It is a good idea to get help from family and friends. During difficult times, they will provide you with pointers and support. It becomes quite easy and comforting, when you know that you have someone who will support you during difficult period. Soon you will realize that your fears are getting overcome. By the time you attain a social life, you will realize that how easy it is to be there and met! people.

One now has many remedies to minimize sh! yness. S tart taking one step a day or week, which will ensure that shyness turns out to be history. One can try a lot of other things as well, but these pointers can help you get to the right direction.

About the Author:

You can learn some useful insights in a free course at Wisdom Insights. Hans S Delane teaches wisdom courses and you can learn more at Happiness Insights.

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By John Andrews

A lot of smokers mean to quit but keep putting it off, telling themselves that theyll quit tomorrow; or even after the cigarette theyve just lit! Smokers know that once they quit, theyll have to cope with the gnawing sensations that withdrawal can bring; however, its all worth it since once you quit your body can begin to repair the damage done by smoking. While you will have to learn new met! hods of coping with stress, your body will thank you. Is there a way to quit for good which isnt as hard as the other methods like cold turkey? There is and its so easy that youll be amazed.

Of course, the first step in overcoming any addiction is wanted to quit and making a resolution to do so. It might be helpful to make a list of the reasons you want to quit. For instance, there is all of the money youll save (especially with cigarettes at nearly $10 a pack in many areas, this is a good argument for quitting), the better health youll enjoy and many more besides. You dont need to make a list of the harmful effects " we all know these very well. One statistic you need to know is that out of those who go cold turkey, only about 20% make a permanent change. Some switch to nicotine gum, but the best thing is not to be addicted to nicotine at all.

Cig-Arette has helped a lot of smokers to finally make the change and quit. Using all-natural ingredients! , Cig-Arette is a safe way to lessen the withdrawal symptoms a! nd the c ravings. It also helps your body begin to heal even as it helps you to resist the urge to smoke.

The withdrawal symptoms of quitting any drug are hard to deal with and smoking is one of the most difficult habits of all to quit. However, the four formulas offered by Cig-Arette contain ylang ylang oil, which is a natural relaxant to help reduce the withdrawal symptoms and cravings. It also contains iron, which is part of the process of stimulating dopamine production (the natural brain chemical which makes you feel good when you smoke). Not only does iron help to alleviate the cravings, its also good for your health in general.

Being a smoker lowers the level of many important nutrients in your body; two of the four formulas of Cig-Arette contain some important minerals like iodine as well as the natural anti-oxidant and relaxant rosemary oil to help repair the damage caused by smoking while replacing some essential nutrients.

Cig-Arette! makes it a lot easier to quit smoking, but as you break the habit, there will be days which are harder than others. You might want to keep Cig-Arette handy even after the withdrawal symptoms subside, since the cravings will persist after the withdrawal is gone. It can calm you and take the edge off of your cravings so that you dont resort to cigarettes. Eventually, the cravings will be gone and youll regain your health; and your freedom!

About the Author:

To learn more about the Stop Smoking Product please visit our website and read our in depth articles and reviews on Cig-Arette.

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Sometimes life lands you in a situation that causes your credit to suffer. A job loss or illness can send your credit rating south leaving you with nothing to do about it. Some creditors may let you slide a month or two, but your records will still show a delinquency. A stolen identity can also leave you feeling violated and unable to resume a normal life with credit. It is during these times you may have to! search a little harder to find companies that wan to deal with people who have bad credit. There are a handful of lenders who will help you re-establish your creditworthiness by using one of their credit cards.

The price you will pay

Searching the Internet will give you a good idea of what types of credit card companies will deal with bad credit. Companies like Capital One, Orchard Bank, Providian Financial and even Citibank have plans to help you get back on your feet again. But at what price will you have to pay? The price is interest. Interest rates from these companies can be up to 25-30% annually. So it is important to manage your money and credit more wisely.

One of the many benefits of using one of these preferred lenders is that they report positively to the major credit scoring repositories. That means if you make timely payment it will be in your favor and will help boost your credit rating back up. The interest you pay is a small price to pay t! o get back on your credit worthy feet.

The secured credi! t card r oute

Most of the major banks and lending institutions may seek a deposit matching mechanism called a secured credit deposit before backing a credit card for you. This card is used the same way that a normal credit card is, however the cardholder must fund it before using. If the cardholder deposits $100 into the interest bearing account their credit card is funded at 100% of their deposit. Some credit cards can at their disposal issue double or triple matches to boost the amount the creditor can spend. The deposit of $100 can return $300 in credit terms. Secured credit cards also report positively to the credit agencies and will eventually become normal revolving accounts and the balances held for deposit are credited back to the cardholder''s account. A very positive way for people with bad credit to obtain the financial vehicles they need.

About The Author

Jakob Jelling is the founder of http://www.cashba! zar.com. Visit his website for the latest on personal finance, debt elimination, budgeting, credit cards and real estate.', 127, 'Credit Cards For People With Bad Credit Scores, Credit, Credit articles, Credit information, about Credit, what is Credit, Credit Information', 'Credit Cards For People With Bad Credit Scores plus articles and information on Credit'

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It''s the number one complaint from consumers and it only takes a moment for you to become a victim. While you search for holiday bargains, identity thieves are searching for targets - unsuspecting consumers. Here are some tips to help you safeguard your identity and other valuables:

1) Protect your account numbers - Most stores only print the last four or five digits of the charge account on your receipt. However, some s! tores haven''t caught up with technology. If the merchant makes an impression of your charge card, be sure to ask for any carbons that are part of the receipt. "Dumpster divers" can lift account numbers from discarded carbons to steal your identity and your account information.

2) Protect Your Social Security Number - If you are asked to provide a SSN when making a purchase, challenge the cashier as to why they need this information. Request that some other form of ID be used instead of your SSN. There is no valid reason for them to request this information. You provided it when you applied for your account so they should already have this on file.

However, if you''ve opened a new account, don''t be surprised if the cashier asks to see some form of picture ID, such as a driver''s license. Don''t view this as an imposition, remember that the store is actually taking steps to protect you - making sure that you are the account holder.

3) Keep an eye! on your charge cards and receipts - Don''t let your charge ca! rd leave your sight. Most cashiers will keep your card so that they can verify the signature on the receipt. However, sometimes they simply swipe your card, then hand it back to you or put it on the counter for you to retrieve. Check that the card you''ve been given back is yours and not someone else''s. Occasionally, mistakes can happen, especially when the store is busy.

Also, make sure that you take your receipts with you. You''ll need them to verify your purchases when your bills come in January and February.

4) Watch for pickpockets - Professional pickpockets love the holiday shopping season. Open backpacks, large shopping bags and unstrapped purses are a pickpockets dream. "Be wary of the distractions around you, because that''s what the pickpockets like. They usually work in teams," said Edward Gross, a Chicago police officer. "They usually work in teams. For example, one of the team members fakes a fall and when an innocent person tries t! o help that''s when the other pickpocket lifts the victim''s wallet."

5) Use a credit card and a secure site when shopping online - Paying by credit card is the safest way to pay online. It protects your legal right to dispute charges for goods or services never received, never ordered or misrepresented.

When you get to the merchant''s payment page, the "http" at the beginning of the url address should change to "https" or "shttp". This is a sign that the site is encrypting or scrambling your credit card information as you send it to them. Many browsers will even alert you of this via a pop-up window. Whenever possible, print and keep a receipt of your online transaction in case you need it later.

Happy Holidays!

About The Author

© 2004, www.yourfreecreditreportnow.com

James H. Dimmitt is editor of "TO YOUR CREDIT", a weekly free newsle! tter to help you manage your personal finances. Subscribe to t! he newsl etter by visiting http://www.yourfreecreditreportnow.com. He is also author of "Identity Theft - How to Avoid Becoming the Next Victim!" available at http://tinyurl.com/bc45.', 127, 'Shoppers Beware - Tis The Season, Credit, Credit articles, Credit information, about Credit, what is Credit, Credit Information', 'Shoppers Beware - Tis The Season plus articles and information on Credit'

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Like me, you''ve probably been offered a fair old number of these by now...

..and, if you''re like most people, chances are you maybe own at least one or two.

They alw! ays seem to put in an appearance at just the right (or wrong) moment...

It might be Saturday and you''ve just seen the clothing item of your dreams.

That can be a pain, though, if this month''s paycheck isn''t due for another week.

You''re undecided.

Until, that is, you''re offered...

..a store card.

One of the horrible ironies about store cards is that the vast majority of people who sign up for one actually had no intention of making a purchase before they left the house.

But if you''re caught in the above situation, the convenience factor frequently wins the day, doesn''t it? Add on top of this all the little goodies thrown in as a sweetener...

An introductory discount on goods ? typically around the 10% mark ? extra money off during sales periods etc...

But let me tell you what the sales assistant probably won''t...

For starters, did you know that many department stores will currently charge you anything up to ! 30% interest on that little card they offer you? (yes, even th! ose ones with the pretty pictures.) That''s around double the interest of your standard credit card!

Sound scandalous?

Well, hang around... it gets a lot worse!

Here are just a few of the pitfalls you should look out for the next time you''re offered a store card...

• Buy now, pay within the next three months. Sure...great deal if you do actually manage to pay it off within that time. If not, some stores will charge you interest from the first day you bought!

• Ask questions: In a recent study, it was found that in one third of cases, information on the interest rate on the card (among other things) was not freely available.

• Don''t be tempted to take out expensive and often useless insurance. This can be a monthly amount of 1.5%. With interest repayments of 30%, you could end up with an annual rate of 56%!

• Also, steer clear of any payment protection insurance scheme. If you were to lose your job or! couldn''t work due to illness or accident, you''ll find that this ''insurance'' generally only pays the minimum monthly payment, not the whole balance!

• Be on your guard. Staff will usually ask you to fill in the application form in store. In many cases the insurance box will already have been ticked and you will simply be asked to sign up for insurance.

• Study the terms and conditions carefully in the store. Staff have been known to refuse customers to take away the form.

Probably the worst thing about store cards is that it''s very easy to build up an array of them so that, before you know it, there seems to be more of them in your wallet than there are coat hangars in your wardrobe.

And in what seems like no time at all...

.. you''ve just spent way, way beyond your means!

If you feel you must buy on credit why not use a credit card with a low or even 0% rate? After all, if you''re going to have debts, you may as well! make them cheap ones!

A store card might seem handy and! conveni ent but they generally come with a horrendous hidden cost.

So next time you''re a tempted to take on another piece of plastic, make sure you get all the facts up front.

Your bank balance might just thank you for it.

Copyright © 2004 by Colin McCaig mailto:colin@cmcaig.com

About The Author

Colin Mc Caig is dedicated to helping others become debt free and start their own home-based business. Get his free 6-part mini-course. Learn the powerful secrets to becoming debt-free using only the money you have today. Send a blank email to: mailto:colindebtfre@demandmail.com', 127, 'Beware the Shopping Mall Monster, Credit, Credit articles, Credit information, about Credit, what is Credit, Credit Information', 'Beware the Shopping Mall Monster plus articles and information on Credit

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You may not realize what that credit card bill is doing to you?

Bob is a 27 year old truck driver. He dropped out of college after one year and got a job. With hard work and good luck, he is making about $35,000 a year. Bob is passionate about remaining debt free. He drove his old car from high school until he could afford to pay cash for a newer one. He rented a cheap apartment until he saved a solid down payment on his house. Even ! during the lean months, he steadfastly refused to build up a credit card balance he couldn''t pay off at the end of the month.

At 27, he''s decided he''s tired of his job and would like to change directions. By living within his means and staying out of debt, Bob has enough money in the bank to take some time off, get a part time job, and go back to school. He has visions of owning his own business one day soon ? and there''s nothing to stop him.

Now meet John. John is in his 40''s and is in upper management with his company. He''s making more than double Bob''s salary, but he''s had a different outlook on life. John has never been afraid of debt - he figured as long as he could afford to pay the bill he was ok. He has a very nice house, a brand new $40,000 car, lots of new sports and recreation equipment, and travels extensively on his vacations. And he''s done it all on credit. John was living this lifestyle before he could afford it. Now, he''s almost tapped ! out ? his credit cards are maxed out, his house is double mort! gaged, a nd even though he''s making a great income, he has lacks the lifestyle, peace of mind, freedom, and opportunity Bob has.

Externally, anyone who saw the two would think that John is the greater success. But the truth is John is trapped. He may be tired of his job. He may want to do something else. He may wish he could spend more time with his family than at work or have a business venture he''d like to pursue. But he spent his money before he had it, and now he''s paying the price.

Most of us think that the key to Financial Freedom is making a lot of money, but we see from our two examples that that''s only part of the equation. The other part is lifestyle management and debt avoidance or debt elimination. If we plan wisely, stay out of debt, and control our desires to spend beyond what we can afford, we can enjoy a great amount of financial independence and have money to spend on things we really want to have and do, even on a very modest inco! me.

However, for most of us, this message comes too late. Anyone buried in debt will agree that it would have been better never to get into debt. But that doesn''t help much now. What we need now is some help undoing the mess we made.

Stay out of debt. If you''re in debt get out. Don''t take out another loan, declare bankruptcy, or sign up for credit counseling services, which can damage your credit. Instead, do your homework and educate yourself on the steps you can take to get back on solid financial footing, no matter what your present situation is.

---
Leonard Hopkins is a 30 year old internet entrepreneur. His purpose in business is to help people from all walks of life gain relief from the money trap that many have fallen into.

His websites are http://www.smartmoneyonline.com and http://www.freedomsociety.net', 134, 'D! ebt and Your Dreams, Debt-Relief, Debt-Relief articles, Debt-R! elief in formation, about Debt-Relief, what is Debt-Relief, Debt Relief Information', 'Debt and Your Dreams plus articles and information on Debt-Relief

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Many people have been taught that you cannot get ahead without debt. We are also inundated with advertising telling us we can have anything we want. All we need to do is put it on our credit card.

We have become an impatient society, we want it right now. We have lost the ethic of working for what we want.

It is not h! ow much money you make; it is what you do with it. By living without debt you can actually have a higher income since you are not paying out interest, you are actually getting paid interest on invested money.

All debt is not created equal. We will classify them as good debt and bad debt.

To simplify the classification we will say that good debt is a loan for something that you could sell at any time and repay the debt. This narrows down good debt to a home loan and possibly a home equity loan.

A bad debt, of course, is a loan on anything that will lose value.

Let''s take a look at some debts that we would consider bad debt.

Home equity loans are in the gray area. They could be considered good debt if they are used to repair or improve your home, but you would be a lot better off to just save up the money for the project. Home equity loans become bad debt when used for purposes other than home improvement or maintenance. In other words a bad hom! e equity loan is for anything that does not add to the value o! f your h ouse. Do not jeopardize your home by taking out a home equity loan on unnecessary items.

One possible good use for a home equity loan is when the interest rates are low. You can use a home equity loan to refinance your mortgage. Home equity loans generally have lower costs than conventional home loans.

We consider school loans bad debt. If you finish school, get a good high paying job and then attack the loan like mad, a school loan may work out. The problem is that there are too many things that can go wrong. At best, even if you do graduate and get a good job there are always a lot of other expenses at this time in ones life. You are really behind financially when you start your working life in debt.

Auto loans are bad loans that have become common practice to us. We pay interest on a vehicle that will only be worth one half of its original purchase price in five years. Lately it has also been common for us to borrow more than a vehicl! e is worth. We can trade a car in that we still owe on, and roll that owed amount over into another vehicle. This gives us a loan amount that is higher than the value of the car that we drive away. We have lost our capacity to say NO.

Co-signing is a bad debt that usually and unfortunately involves family. If someone cannot qualify for a loan at a regular lending institution, they should not get a loan. The fact that they can''t qualify for a loan elsewhere should tell you that they are a huge risk. Use this opportunity to teach them how they can get what they want by working harder for it and delaying the purchase.

If you want to get off of the debt treadmill, you must run as far away from debt as you can. You cannot use debt to get out of debt. Even if you do, you have not changed your habits; you must change your lifestyle.

John Cook is family oriented and likes to help people get off and stay off the debt treadmill and secure the financial future of th! eir family. You can read more about securing your families fin! ances at his website http://www.financeforfamilies.com.', 134, 'The Debt Free Lifestyle, Debt-Relief, Debt-Relief articles, Debt-Relief information, about Debt-Relief, what is Debt-Relief, Debt Relief Information', 'The Debt Free Lifestyle plus articles and information on Debt-Relief

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Do you, like millions of other Americans, feel like you''re sinking in an ocean of credit card debt? Well,! fear not--there are many options for reducing your debt way before you have to be concerned about receiving notices or daunting telephone calls from debt collectors. The important thing to remember is to be proactive in handling your credit card debt. Unmanaged debt can ultimately lead to lawsuits, loss of property, and tarnished credit reports.

Here are a few ideas for managing and/or reducing your debt:

-Get in touch with creditors right away. Often times, creditors will reduce credit card interest rates if you simply ask for a break. Explain your situation, and let creditors know if you''re having trouble meeting your minimum monthly obligation. Many creditors will work with you to arrange a customized payment plan.

-Develop a budget. While many people dread this very important step in reducing debt, it can be extremely important in taking control of your financial situation. Compare and contrast fixed expenses-mortgage payments, rent, car payments, an! d insurance premiums, for example--with variable expenses, suc! h as ent ertainment and recreation. List all your expenses, even those that seem unimportant. This is an important step in determining your spending patterns, prioritizing expenses, and determining whether or not you have additional money to contribute to the monthly payments on your credit card.

-Consolidate, consolidate, consolidate. While debt consolidation is a sometimes daunting and drastic step, it can be an important move in the quest to reduce your credit card debt. If you''re a homeowner, consider a second mortgage or a home equity loan to pay off high-interest rate debt. While these loans often require you to list your home as collateral, remember that if you start skipping out on credit card payments, you could easily lose your home. What''s more, these loans provide tax advantages that are not available with many kinds of credit.

-Go to counseling. Credit counseling, that is. Many credit counseling organizations will help you come up with a! feasible solution for ridding yourself of debt. You can find credit counselors on the Internet, and many credit unions, universities and military bases provide credit counseling programs.

Also, get in touch with your bank, friends, and/or family for a recommendation. Some of the services credit counselors provide: Advice on how to manage your debt, assistance in developing a budget, and classes and workshops that are geared towards teaching consumers about money management, credit card debt, and budgeting. Counselors can also recommend a debt management plan (DMP), which allows you to make monthly deposits to the specific counseling organization that you''re working with. Your counselor will then develop a payment schedule with your creditors that includes lower interest rates or waives certain fees.

For more suggestions and information on how to manage your credit card debt, please visit http://www.inform! edcredit.com.

Beth West has an extensive background ! in marke ting and public relations, serving in management positions in both the hospitality and software industries. Currently acting as the Director of Marketing for InformedCredit, Beth is also trying to launch a freelance writing business.', 134, 'Drowning in Debt? Tips and Tricks for Getting Out of Hot Water with Creditors, Debt-Relief, Debt-Relief articles, Debt-Relief information, about Debt-Relief, what is Debt-Relief, Debt Relief Information', 'Drowning in Debt? Tips and Tricks for Getting Out of Hot Water with Creditors plus articles and information on Debt-Relief

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If you''ve ever earned enough money to put some aside, ! like most people you''ve probably invested it with an eye toward security ? since, perhaps, you can''t imagine yourself ever getting rich.

"Most people dream of becoming rich, but it isn''t their first choice," Rich Dad said. That''s because the effort to make money and uncertainty of becoming rich disturbs them and they seek refuge in the easier goals of security or comfort.

People who make security and comfort their first and second choices are often seeking a single ''hot investment tip'' to make money ? a simple, risk-free way of getting rich quick. Some people do get rich on one lucky investment, but all too frequently the money they amass is later lost. by Rich Dad, Poor Dad by Robert T.Kiyosaki

Robert T. Kiyosaki''s demonstrates through variety of products(games, books and audio products) how ordinary people can enrich themselves with the necessary skills to make money, attain financial freedom and master individual financial opportunities open to u! s through opening business, investments, Real Estate investmen! ts and V arious financial instruments..

The E-Game(cashflow) 101 and 202 and cashflow for kids are the essential games from Rich Dad, Poor Dad, which I would rather refer to as investment/financial educational tools, are very valuable. It is the only educational tool that combines investing/money making ideas and also improving ones understanding on cashflow principles (money going "in" and money going "out") at the same time. There are also books on business and real estate investments etc and audio CDs/DVDs on various investments, turning bad debts into good debts, real estate riches and retiring young.

Joseph Akintaju is the editor of http://www.jpservicez-smart-bargain-shopping.com and http://www.1-realestatelistings.com', 134, 'Turning Bad Debts into Good Debts through Investing Fundamentals, Debt-Relief,! Debt-Relief articles, Debt-Relief information, about Debt-Relief, what is Debt-Relief, Debt Relief Information', 'Turning Bad Debts into Good Debts through Investing Fundamentals plus articles and information on Debt-Relief

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How to smartly use cash backs?

? Check if the offer is valid across all categories

? Check if it's applicable for your card

? Read the conditions — they are q! uite different for various cards

? Register for cash backs. Some banks offer cash back as an optional facility

? See if there are any ceilings for cash backs to avoid surprises later

? Keep an eye on the validity of the offers

? All things remaining same, use credit card instead of debit card as the former gives free credit

For Indians, the fag end of the year is time for spending. There are clothes to be bought for the family, a snazzy mobile for dear sister, Faber chimneys to cool the hot tempered domestic help, a 5.1 channel DVD player for son and so on. The spending list is endless and often emotions rule during this time.

While it might be difficult! to cut the shopping list, one could at least slash costs. Thi! s is all thanks to banks and credit card companies which are coming out with a myriad promotional offers including the 'ubiquitous' cash backs. Smart shuffling of your debit and credit card could actually save quite a sum.

What are cash backs?

Cash backs refer to the process of banks and credit card companies offering you cash back — based on the amount spent through the credit or debit card. For instance, there could be a 5% cash back, which means Rs 5 would be credited back to your card for every Rs 100 spent.

The catch, though, is that there are often 'conditions' to be met. For instance, there could be a ceiling on cash back amounts, limitations on its usage (like some specify it is applicable only where the card-issuing bank has installed terminals), time ! limitations, line of products where it is applicable and so on.

Take for instance the HDFC Bank's recent advertisement, it says, "You can feel 5% less guilty." It means, if you shop by swiping your HDFC Bank debit card, you can enjoy up to 5% cash back on your 'highest' transaction. The key word here is the highest. Further the cash back is different for every month.

For example, if you are transacting in all three months (October, November and December in this case), you will be eligible for 5% cash back. If you are transacting in any 2 months, the cash back is capped at 3% and 1% for any one month. The offer is valid till December, it mentions.

Similarly, the HSBC debit card offers 5% cash back on spends up to Rs 5,000. T! he minimum transaction amount should be Rs 2000 in the offer, ! which sp ans from October 6 to November 30. Standard Chartered Bank has worded it differently. They are offering 2 reward points for every Rs 75 spent on a priority debit card and Rs 125 for a smartfill debit card instead of the usual 1 reward point.

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India's second largest public sector lender, Punjab National Bank (PNB) has launched a global credit card. The international credit card of the bank has been launched in collaboration with VISA.

The card was launched on Friday, February 6th by the Deputy Chairman of the Planning Commission Montek Singh Ahluwalia. PNB mentions that this card would be acceptable in more than 29 million merchant establishments and 1 million ATMs across the world. Moreover it will also be accepted at a host of online shopping sites.

Dr. Ahluwalia said that the PNB card will widen the customer service network. It comes with a range of features like free credit period of up to 50 days, no annual fee and attractive reward points. It is a fully loaded photo credit card that will also enable the facility of SMS alerts to all its customers in case of e-c! ommerce and high value transactions.

PNB Chairman K C Chakrabarty informed that, "To start with we are launching two varieties of credit cards - Global Gold and Global Classic, which will meet the needs of its customers and will cater to the requirement of different income groups."

He said that earlier in November, the bank had done a soft launch but with the commercial launch this card will be available across 1,200 PNB branches across the country.

The finance charges and cash advance charges attached to the card are one of the most competitive in the industry.

Besides, the bank had also announced completion of 100 percent core banking implementation at all its branches and extension counters. This will be done through the Finacle universal banking solution from Infosys Technologies.

PNB had declared 2008-09 as a financial inclusion year and therefore has taken moves to expand its pro! duct portfolio in order to further add to the customer convenience.

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loan payment calculator SBI's Master Card Moments Offer

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Use your SBI Card and avial special discounts and offers on following Brands.

ADORA - 17% off on Adora Jewelry.

ALLEN SOLLEY - 15% off on all Allen Solley watches

THE APOLLO CLINIC - Special health packages for Master Card holders.

BENQ - 10% off on Benq Joy Books.

BIG FLIX - Buy 3 months subscription and get 1 month subscription of Big Flix free.

CAFÉ GADGETS - Rs.500/- off on minimum purchase of Rs.3500/-.

CHOICE HOTELS - 15%-25% off on Room Tariffs

GKB OPTICALS - 10% off on all purchases (except Rayban, Oakley, Killer Loop and accessories) and Free eye test for all Master Card holders.

LEMON TREE HOTELS - 10% off on all packages

PARKER - 50% off on selected Parker Pens on MRP.

PIERRE CARDIN - 10% off on Pierre Cardin watches

SANGINI - 12% off on min purchase of Rs.5000/- and above.

SPARKLES - 15% off on Sparkles Jewelry.

WEL HOME - 10% off on purchase of Rs.1000/- on home furnishing

RE LIGARE SRL DIAGNOSTICS - 25% off on well women packages & 10% off on all other tests

All the above offers are valid till 31^st December 2009. For more information and terms and conditions long on to official SBI cards site.

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If you are a credit card defaulter trying to escape the bank's clutches by moving to another address, you may not be as lucky as you think.

Credit ! card com panies and recovery agents could track you through your resumes posted on job sites.

Job sites have become ideal destinations to source correct addresses and latest contact numbers of credit card defaulters.

Here's what happened with Nithin Dutta, a marketing professional in Bangalore who posted his CV on a job site on August 7.

Two days later, two roughnecked recovery agents knocked at Dutta's door in Koramangala at around 8.50 pm and threatened his wife Mahati of dire consequences if the couple didn't pay their credit card outstandings in a day. Dutta had a credit card outstanding of Rs 6,000 some 7 months ago.

But he did not pay up as he had lost his job. He later relocated to Dubai for a few months but returned to Bangalore as his wife found a new job in the city. He posted his biodata on a couple of job sites along with his n! ew contact numbers and address.

"It is not that I did not want to honour the outstanding. But I was not in a position to do that. The thing is, we'd just moved to the new address and even our parents and close friends did not know where we were staying. But the credit card recovery agents could locate me there. One of the agents told me that they got my address from a job site,'' says Dutta.

The jobs and salary cuts in the past one year has substantially increased the number of defaulters. Ramdas Venkat, who works as a recovery agent on behalf of a credit card company, says banks are frantically looking for genuine information on credit card holders who default intentionally or unintentionally.

And job sites are a useful source for information especially on younger customers who use such sites extensively.

Any employer can get the right to access CVs posted on job sites for a price. For instance, to view IT resumes from southern India for a year costs just over Rs 1 lakh. "We are in the contact content business and we will give access to employers who want to view profiles of candidates,'' says an official at a job site.

Recovery agents use decoy e-mails too. Another defaulter Anoop Menon got a mail saying he won a three-day, twonight free trip to Malaysia for two.

He called up a number given in the mail. "In 30 minutes, two recovery agents tracked me down to my new office. I guess even telecom companies sell subscriber data,'' says Menon.

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free credit cards Free Online Debt Consolidation Quote - An Aid In Choosing An Ideal Debt Help Program

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Debt consolidation services that are provided online are one of the simplest and most effective ways to acquire a consolidation loan for debit eradication. Many companies offer consolidation loans to borrowers in selecting the right option for their consolidated loans to help. Online services provide the needs of individuals towards unification several loans combined into one, with more favorable interest rates. These quotes help you compare! offers from differentLender and the decision on the best of them. The primary goal to keep in mind, while reducing liability companies should be to reduce the total cost.

To be conscious of points during the consolidation of debt companies

The process is initiated by completing an online form and then wait for a response from the lenders. Different search engines can be used to the many lenders to find. Many companies offer free assistance may be able to also usethese search engines. One of the most useful methods used to verify the authenticity of these companies is to ensure that they have a free offer. Nearly all real companies offer a quote for their services. This is generally after examining the papers you have in the form of income slips, invoices, credit history and so on done.

Consolidation of credit card bills

For credit card debt consolidation refers to the merging of all outstandingCredit card bills ! into one outstanding loan. The payment of the consolidated loa! n is usu ally smaller than the combined payments on any outstanding balances. The average interest rate is also generally lower than the combined rates at an earlier date paid. A cost estimate can be purchased for the consolidation of credit card loans as well. A good part of the counseling is also offered to you to change your lifestyle and purchasing behavior, so that you live within your financialmeans.

Transfer of balances from the various credit cards to a new low interest card is one of the easiest ways for debit reduction on the cards. While not charge to consolidate your credit card, it is important to a card that selecting a low April, on balance transfers for the consolidation to be effective. The other method of consolidation is by borrowing the required amount from a trusted person who can be paid back at regular intervals and at regularGuess.

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