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.

Web Hosting Options for Small Business

It seems that so many times it is hard for the little guy to get a leg up in the business world. Every supplier or service that you talk to is only interested in catching the larger fish and is totally disinterested in you. When it comes to finding a web host for your website it can often times be no different sometimes. Sure they have service plans that you can cut costs with but how do you know just what you need to get by.

There are a few simple rules to follow if you are in the market for a budget web hosting plan that at the same time does not leave you empty handed on the essential services that you will be needing from time to time. If your website is less than one-hundred pages and does not have any data intensive components such as streaming videos than you can get by with the bare minimum amount of bandwidth and gigabytes of memory and that means a basic plan for about $ 5.

If you have more than one-hundred pages and or your pages are heavy laden with text and photos then you may want to take the option of shared web hosting for about $ 10 which is going to give you more bandwidth and memory. That is what you will need for the bare bones basic web hosting service if that is all that you need. You have to bear in mind though that what you are going to be doing with your website also has to be considered.

For instance; if your site is just for reference purposes that is supporting a non Internet business in your community then you can still get by with the low cost basic web hosting service. If however your business is an Internet business that changes the picture considerably. This is because, unless you are marketing a product that only you have and no one can live without, you will be in competition of untold numbers of other people on the Internet.

This then means that you are going to have to engage in some level of website promotion or SEO which stands for search engine optimization. If you do not, then every time that someone types in the keywords to look for what ever it is that your website is selling you will be the last in line with regards to prospective sellers.

SEO can be approached two different ways with regards to a prospective web hosting service. The first way is to just pay them to promote your website and do the SEO for you but it is going to cost you.

The second way is to learn about SEO and then do it yourself. If you are going to do it yourself you will need to learn what basic tools you will be needing your web hosting service to have available. SEO is not overly complex but you do have to know what you are doing or all of your best efforts can be a waste of time.

Tips When Seeking Your Automobile Extended Warranty

You may have heard that "research is critical" when it comes to purchasing an extended warranty for your automobile. Sometimes auto extended warranties are depicted in a negative light because of a few scam artists looking to capitalize off peoples' concern for their investments.

A recent Consumer Reports study recommended that people buy highly rated models only and that they invest in Money Market accounts to save for repairs, rather than invest in a warranty. However, if you tend to incur a good number of auto repair bills, if you plan on keeping your car more than three years and if you drive your car over the recommended 12,000 miles annually, then you are a good candidate for the extended warranty program .

Dealerships know that consumers trust them, by nature. An establishment that deals with billions of dollars in sales each year could not possibly rip you off over a technicality like the extended warranty, could they? Well, maybe they do not mean to rob you blind, but think of the dealership as a retail operation.

If you've ever worked in retail, whether it's clothing, furniture, consumer gadgets or automobiles, then you know that retailers mark up the cost of their items anywhere from 100% to 1,000% of the cost value! Now imagine how much extra you could be paying for your extended vehicle warranty. Do not be afraid to go directly to the source and purchase your warranty online from a trusted company like Warranty Direct.

Another factor to consider is auto warranty for "wear and tear." This type of warranty can be hard to find, since many only cover mechanical failure. However, you can definitely find extended warranty coverage that includes "wear and tear," thereby covering parts like the idler arm, piston rings, U joints, CV joints, wheel bearings, motor mounts, suspension bushings, tie rod ends, seals, gaskets and other engine parts that typically wear down and may or may not cause a mechanical breakdown.

If you have an anti-lock braking system, then you'll want to make sure your coverage extends to ABS and instances of overheating. The comprehensive website, carbuyingtips.com recommends Warranty Direct and Nation Warranty Corporation, which both include "wear and tear" in their plans.

The most important thing is that you do not feel rushed or hassled into securing the extended warranty for your car immediately. Most auto warranties allow you the option of buying later; yet of course, you should only delay as you research, rather than allowing enough time to elapse so your car is a liability. Like with health insurance, it's much harder to get coverage once problems arise.

As with anything, the extended auto warranty is a "buyer beware" scenario, but if you do some homework and understand your auto habits, then the couple of thousand you pay today can save you a small fortune tomorrow.

Dreams About Demons – The Meaning of Dream Warnings

When you see demons in your dreams, this means that the unconscious mind that produces them is sending you many warnings. The demons represent people who are cruel and immoral, and will ruin your life.

You are probably going to feel afraid and irritated with your bad dreams; however, their role is therapeutic. They are in fact opening your eyes, and helping you see hidden dangers that are threatening your life and happiness.

Your dreams show you the bitter truth as it is, so that you may avoid falling into traps, and so that you may prevent all mental illnesses.

The demons you are seeing in your dreams could be unfair business partners, people who will betray you when you have an amorous relationship with them, or people who envy you and want to steal all the privileges you have in life.

Be very cautious when you see demons in your dreams and think carefully before acting.

If you had the intention to get married to someone or to open a store with a business partner for example, you had better give up after seeing a demon in a dream.

You may also see demons in your dreams that will be representing negative parts of your own personality, and not other people of your social environment. In this case they will appear mainly like aliens that came from another planet, or strange human beings that have no blood.

Images where demon faces are seen in dreams represent other people. When they appear somewhat camouflaged they are a part of your own personality.

In any case, you can be protected if you learn the dream language and you translate all your dreams according to the scientific method of dream interpretation, which works like free psychotherapy. The wise unconscious mind that produces your dreams is a natural doctor that keeps trying to protect your mental health through dream messages.

This protection works either because the wild side of your own conscience is constantly trying to destroy your human conscience through absurdity, or you have many enemies in your daily reality.

In order to save your mental health, the unconscious mind has to give you information not only about your psychical world, but also about what is happening in the outside world where you live, because too many dangers are constantly threatening your mental health.

When you care about your dreams, writing them down regularly, and translating them according to the scientific method, you’ll discover that the unconscious mind is a very wise counselor and psychologist. By following its guidance, you will get rid of all dangers and nightmares, while learning how to live peacefully and happily for life.

Christina Sponias continued Carl Jung’s research into the human psyche, discovering the cure for all mental illnesses, and simplifying the scientific method of dream interpretation that teaches you how to exactly translate the meaning of your dreams, so that you can find health, wisdom and happiness.