How To Be Debt Free Without Going Bankrupt

Credit card debt elimination

Bankruptcy was not a choice personally. My employment conditions did not allow it. So how do I get free from this financial nightmare, without losing everything? There have been no separate pots of money to pay the debts or equity in the property to release some vital funds! I’d to generate a plan using the funds I had to clear the debt. This was the first time I had really taken stock of everything, it looked pretty bleak. To begin with I had to stop counting on credit cards to make up for the shortfall, so that all credit cards bar one were cut up. The remaining one was left for emergencies, it was suggested which i place it inside a metal container, fill it with water and then freeze it!

debt management program

The rationale being, when I needed it, I would have to take it from the freezer, wait for it to defrost and because it had been in a metal container, I possibly could not zap it in the microwave! By the time it had defrosted, the emergency may of been sorted by other means. Ok, so now I was down to a cash only living, it appears as though I had gone back in time, but my debit card offered me my cash alternative.

Next, I required to organise my outstanding debts, into priority. The method for this, was as follows:

1. Outstanding Balance 2. Monthly Repayments 3. Divide 1 by 2 4. List in lowest months remaining first.

For instance:

1. Outstanding Debts Mortgage – £250,000 Car – £15000 Personal Loan – £11,000 Credit Card – £9,000

2. Repayments Mortgage – £1400 Car – £360 Personal Loan – £250 Credit Card – £90

3. Remaining months Mortgage – 178 Car – 41 Personal Loan – 44 Credit Card – 100

4. List in ascending order Car Personal Loan Credit Card Mortgage

Now I’d my list of debts in ascending order, the plan was to gradually work my way through them. Take the top debt, keeping the payment the same, using the remaining debts make minimum payments only. This should provide you with some extra cash. If it does not, not a problem, this strategy works regardless. For this example, we now have released an additional £100 per month from making the minimum payments about the remaining debt. Which provides us a payment of £460 every month for that Car Loan. Car loan goes from 41 months outstanding to 32.

Once the car loan has been settled, we’ve an extra £460 to add to the monthly payment for the Personal Loan. The outstanding balance of £3000 (only Twelve months remaining) is going to be paid off in 5 months. So far in 37 months we now have repaid the Car Loan and the Personal Loan. We now have a monthly payment of £710 to add to the Credit Card monthly payment of £90. The outstanding balance is going to be paid off in 11 months. Total months so far = 48 months. Now we start the large one, the dreaded mortgage! The current monthly rollover payment now stands at £800, added to the loan payment of £1400, giving us £2200. The mortgage is going to be repaid in 113 months time.

Total time to become debt free = 161 months.

Total amount of interest saved = Mortgage £23800 Car £3240 Personal Loan £1750 Credit Card £4680

Total £33470

In 13 years time, you may be totally debt free, just by increasing your monthly payment by £100 based on the example above! No need to go bankrupt, remove any high interest debt consolidation loans or undertake extra jobs.

Hope that helps.

But, If you’re still wondering to know further and learn more, you might want to check out Debt Busters System Review, Chiristian M. Whiting reputation, or…
is the Debt Busters System SCAM or The Real Deal?


Social Bookmarking Widget

Perhaps you have noticed that almost every site has added a number of icons to every web page. Some of these icons look familiar to you (like Twitter or Facebook) while others are not. These are social bookmark widgets. The idea behind those icons is quite simple. If you like an article or the entire site you press one of those icons (depending on where you want to post this link) and you are automatically redirected to a social media site.

There are several categories of such web sites. Social networking sites and social bookmarking sites are the most popular ones. Indeed, who doesn’t have a Facebook account? Who doesn’t use Twitter? There are many site owners and Internet users who tag favorite web sites at social bookmarking services.
Why web site owners should install social bookmark widgets? We have already said that web site visitors may share web pages and articles they liked with other Internet users through social media sites. So, what? What are the benefits?

One of the key benefits of using social bookmark widgets is publishing a backlink to your web page as a popular social media site. Moreover, it is not you who does it. Your web site visitors do the job for you. In such a way the site promotes itself. The only thing you have to take care of is to provide visitors with quality and interesting content.

The second benefit is that once your web site becomes popular in a social bookmaking service, Google or any other search engine is more likely to give it high rankings. As a result, you get more traffic and it is up to you to choose ways of converting it into money.

Those webmasters who run websites on free platforms like WordPress can download free widgets and plug-ins. Social bookmarking widgets seem to like minor things, but these are gateways to the world of social media with millions of people communicating there.

Nowadays Internet business is very popular. But to earn good money having a website is not enough – you have to push it on top positions for specific keywords in search engines to get traffic. One of the ways to promote a site is social bookmarking service. Actually even here one can find several options how to do that. It is possible to hire someone to do that or to make use of social bookmarking software to do that automatically. Doesn’t matter the option you will choose, it is recommended to go to this social bookmarking submission site – there you will find lots of related info.

And remember that you can find many other ways to push your site in the web network, don’t lose this unique chance to get solutions to your to issues.


What Is Social Bookmarking SEO?

What is social bookmarking SEO? In fact, this is intentional use of social bookmarking for search engine optimization purposes. The goal of every site is to be on top of Google (or any other search engine) rankings. Such bookmarking service improves position of a site in search engine rankings and makes it visible for millions of potential visitors.

A such service site offers users to create own accounts and share information on sites they have found interesting. Moreover, it is possible to tag information, choose categories, which makes searching for certain sites easier. For example, if you are looking for sports related sites it is easy to find worthy sites using social bookmarking resources.

Some such bookmarking sites do not require any registration, but if you pursue SEO goals such an account can be very helpful. Social bookmarking has become an extremely effective search engine optimization method which has already got thousands of sites to Google’s top.

This service requires certain skills, and certain factors are to be taken in to account. One needs to remember that honesty is a must in these bookmarking services. As a matter of fact, users share their thoughts and feelings as to sites they consider interesting. Thus, if you want to make your web site popular in the service, you should certainly honestly express your thoughts. By the way, if you provide visitors with the wrong information on a certain web site, they can certainly press Dislike button and your web site will be tagged as not useful.

Naturally, everyone’s goal is increasing web site traffic, and this goal is achievable only in case you are being honest. Social bookmarking may have an avalanche effect – you share your web site and lots of visitors find it helpful and recommend it to their friends. Your web site will promote itself in such a way. More visitors means more traffic. Bookmarking of this type will surely develop in future, offering new services and opportunities. So, is it maybe the time for your to social bookmark your web site?

Today online business has gained much in its popularity. But to earn good money it is not enough just to have a website – you need to have it on top positions for specific keywords in search engines to get traffic. One of the ways to promote a web site is social bookmarking service. Actually even in this case one can find several options how to do that. It is possible to hire someone to do that or to make use of social bookmarking software to do that automatically. In spite of the option you will choose, it is advised to visit this social bookmarking submission site because there you will find lots of related info.

And remember that you can look for many other ways to push your site in the online network, don’t lose this unique chance to get solutions to your to issues.


Social Bookmarking Tips

This article will focus on secrets and tips of social bookmarking which has become a very effective method to boost site targeted traffic (this is perhaps the ultimate goals of every webmaster). Hopefully, this article will help aspiring (or even experienced) Internet marketers make their sites popular through social bookmarking strategies.

• Tip #1. When you start your campaign, it is very important to use a variety of bookmarking sites. The more sites are used, the better. Most such bookmarking sites are very popular with search engines. Thus, if your site gets high rankings at one of them, Google (or any other search engine) will certainly do the same. Besides, you will have more backlinks and they will be diverse, which improves visibility of your sites to search engines.

• Tip #2. When you start your campaign, it is very important that you have a comprehensive strategy. For example, there is no sense adding a hundred of bookmarks in several days and then doing nothing for the rest of the time. The entire process should look natural to search engines. Thus, add several bookmarks every day.

• Tip #3. Pay a special attention to site content. You cannot fool visitors of social bookmarking sites. For example, if you bookmark a web site that is never or rarely updated, there is no point in bookmarking it. The same applies to web sites with junk content that is of no use. One of your greatest concerns is updating your web site with unique contents. If people like your web site, they can even bookmark it again which will surely boost web site traffic.

• Tip #4. Manage and organize your bookmarks. You need to remember that this bookmarking is a great chance to get together with like-minded people, friendly web sites and potential partners. Integrate your web site to social bookmarking community to take full advantage of social bookmarking benefits.

Today online business is very popular. But to make good money having a website is not enough – you need it on top positions for specific keywords in search engines to get traffic. One of the ways to push a site is social bookmarking service. Actually even here one can find several options how to do that. It is possible to hire someone to do that or to make use of social bookmarking software to do that automatically. Doesn’t matter the option you will choose, it is advised to go to this social bookmarking submission site because there you will find lots of related info.

And remember that you can look for many other ways to push your site in the web network, don’t lose this unique chance to get solutions to your to issues.


Social Bookmarking Advantages

Social bookmarking is on the rise these days. Indeed, it is very convenient having bookmarks to your favorite sites that can be accessed online (without using your specific browsers installed on your PC). Yes, the concept of such bookmarking is similar to browser bookmarks. The difference is that users organize and manage bookmarks on a site but not in browser’s interface. However, social bookmarking has become more than just a web site sharing concept.

The goal of every site is to top Google’s ranking, and we need to say that Google loves such bookmarking sites. Thus, having registered there and having added relevant bookmarking icons to your site (like Twitter, MySpace, Facebook etc) your web site is more likely to get more traffic. This takes us to the first advantage of this strategy.

• SEO purposes. As already said above every site owner dreams of topping Google rating. Joining such a service is the right decision to make in this context. You will not just have another relevant backlink but also expose your web site to millions of users. As a result traffic flow will increase. Besides, search engines are every loyal to such kind of bookmarks.

• Better indexing by search engines. It happens that some pages of your web site are poorly indexed or not indexed at all. Such bookmarks will make these pages visible to search engines through a social bookmarking system.

• Making your site popular through social bookmarking system automatically makes it popular in search engine. If many people shared the same web site (for example, yours) it means that it is becoming popular with users and a bookmarking systems rank it high.

• Just a good place to store information on favorite web sites and share this info with your friends. It may happen that you use someone else’s computer, so in order to visit favorite web sites you have just to log in to social bookmarking service.

Today online business is very popular. But to earn good money having a website is not enough – you need it on top positions for specific keywords in search engines to get traffic. One of the ways to push a site is social bookmarking service. Actually even in this case one can find several options how to do that. It is possible to hire someone to do that or to make use of social bookmarking software to do that automatically. In spite of the option you will choose, it is advised to visit this social bookmarking submission site – there you will find lots of related info.

And remember that you can look for many other ways to push your site in the online network, don’t lose this unique opportunity to get solutions to your to issues.


Social Bookmarking Vs Social Networking

What is the difference between social bookmarking and social networking? Are they all the same? Well, the word “social” is, perhaps, the only thing in common. They are totally different although employing the same concept – sharing information. This article will focus on both, attempting to flag similarities and differences.

Social Bookmarking

This service is a web site that allows users adding information on web pages, articles and sites which they have found interesting and thus they want to share them with other people. In simple words, you register with such a web site and add a link and description of the web page you liked. The most popular social bookmarking sites are Delicious, Digg, Stumbleupon and Propeller. One of the greatest advantages of social networking sites is that they are free to join (at least the abovementioned), so, once you have signed up you are free to add sites you like.

Later on, it appeared that social bookmarking was a very effective SEO method to drive targeted traffic to web sites. It is simple! If many people like your web site, it will get much traffic.

Social Networking

It seems like there is no need to explain what a social network site is. Almost everyone has a Facebook or MySpace account these days. These web sites have been created to help people get together. Some of them started as social networks of colleges (so that graduates can find former fellow students and friends).

Social network sites have become extremely popular as they offer an excellent opportunity for like-minded people to get together, discuss their hobbies, make friends and even get married (social network dating becomes rather popular). You do not need much time to create an account. As a rule you are asked to share your personal info and some photos.

Social bookmarking and networking have one thing in common – both are sometimes used for SEO purposes. Some people use Facebook to promote web sites and services, while social bookmarking has become an effective web site promotion method long ago.

Today online business is very popular. But to make good money it is not enough just to have a website – you need to have it on top positions for specific keywords in search engines to get traffic. One of the ways to promote a web site is social bookmarking service. Actually even here one can find several options how to do that. It is possible to hire someone to do that or to make use of social bookmarking software to do that automatically. Whatever the option you will choose, it is recommended to check out this social bookmarking submission site as there you will find lots of related info.

And keep in mind that you can search for many other ways to push your site in the Internet network, don’t lose this unique opportunity to get solutions to your to issues.


How To Social Bookmark A Site

Progress of the Internet has brought so many useful services and technologies. It is true that social media have totally changed human communication. We spend hours at Facebook, MySpace or Twitter. But there are more social services, and social bookmarking is one of them.

Times have gone when you had to save tens and dozens of favorite sites in browser’s favorites. Now, all you need to do is to create an account with some social bookmarking sites like Digg, Delicious, Propeller or Stumbleupon. Once you bookmark your sites you can get back to them any time.

But such bookmarking is not just all about sharing information on your favorite web sites with other Internet users. Did you know that bookmarking of your site can drive targeted traffic to it? It is not a secret that social bookmarking is an extremely effective SEO method. Imagine that you added your site to such bookmarking service. Every day you have got new visitors who are searching for interesting pages in certain categories.

Bookmarking of a site is an excellent opportunity to find partner sites and exchange links with them. Besides, your chances for success increase as you add your web site to more than one bookmarking service.

It should be mentioned that in order to get much traffic you have to register with a dozen (or even more) bookmarking web sites. This takes time. That is why use of special social bookmarking software is highly recommended. Such software packages automate the process and make it possible to avoid spam.

As a result, you will have a great number of backlinks to your web site which will surely improve its position in search engine rankings. Social bookmarking web sites are free to use, and that is why this is a very popular SEO method right now.

Nowadays Internet business has gained much in its popularity. But to earn good money having a website is not enough – you need it on top positions for specific keywords in search engines to get traffic. One of the ways to push a web site is social bookmarking service. Actually even in this case one can find several options how to do that. It is possible to hire someone to do that or to make use of social bookmarking software to do that automatically. Whatever the option you will choose, it is recommended to visit this social bookmarking submission site – there you will find lots of related info.

And keep in mind that you can look for many other ways to push your site in the Internet network, don’t lose this unique opportunity to get solutions to your to issues.


Credit History: Versions Of Interest Rates, Collections And Payments Part 1

The understanding of versions of rates and payments helps to be specified most accurately with a credit card choice.

Let’s consider their basic versions.

Kinds of Annual Percentage Rate
The interest rate (Annual Percentage Rate) is the sum specified in percentage expression to a credit amount which the credit receiver pays for using it counting on the certain period (month, quarter, and year).

For example, 5 percentage quarter rates is equal to 20 percentage annual rate

Interest rates are usual estimated in relation to:

* to the sum on which purchasings are made;

* to the sum of monetary advance (cash withdrawal);
* to the sum of the translated balance sheet from other card.

Annual interest rate on purchasings (APR for purchases). The rate applied to the sum of purchasing which have been made with use of the given credit card.

Annual interest rate on the transfered balance sheet (Balance Transfer APR), such rate extends for the sum which has been translated from other credit account. Annual interest rate for the sum of monetary advance (Cash Advance APR) it is applied to the sum which has been drawn from account in the form of cash.

The multi-level interest rate (Tiered APR), this is such rate which changes the size depending on the balance sheet on the card. For example, 16 % at the balance sheet from 1$ to 500$ and 17 % on the balance sheet over 500 dollars.

Application of the penal interest rate (Penalty APR). An example from treaty provisions of crediting: “In case payment arrives with delay more than two times during the period of six months, the creditor has the right to apply punishment in the form of an interest rate increase”.

Annual interest rate at a preferential induction period (An introductory APR). Such interest rate will be applied to the account till certain time. For example, the annual interest rate equal 0 % with period of validity of the offer till September, 2008 is offered. After the expiration of this term the rate which is specified in the conditions of the credit company will be applied. It is possible to notice also that the interest rate on cash withdrawal always is considerable above than an annual rate on made purchasing.

Versions of commission fee and penal damages

Under certain circumstances credit companies levy a payment from the client.

The annual installment (Annual Fee) is an annual payment for using a credit card. Now only about 20 % of credit establishments establish an annual installment.

Payment for cash withdrawal of money (Cash Advance Fees). The credit companies also establish a certain payment at cash withdrawal from the account (through an ATM, for example).
Besides, very often credit companies stipulate the minimum payment for money withdrawal. For example, the payment for cash withdrawal of money is equal 5 % from the sum, but not less than 3$.
By the way, at balance sheet repayment on the account the sum which has smaller APR and only then the sum which has greater APR at first is repaid.

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Credit History: Versions Of Interest Rates, Collections And Payments Part 2

Service fee of transfer of the balance sheet from one card to another (Balance-transfer fee). Balance sheet transfer is a deed of conveyance of indebtedness from one account (credit card) into other account. As a rule, it is motivated by more favorable terms of credit. In such cases the bank in which you transfer the balance sheet, sends the check for the same sum. This check produces payment of a debt to other bank.

Payment for payment with delay (Late Fees). The payment for untimely payment is levied when the client has delayed monthly payment on a credit card. If payment has been delayed not because of the client the bank is obliged to return money. In practice, the credit companies don’t like to argue with clients if they hear in their words the weighty reasons of delay of payment.

Payment for a credit overdrafting (Overdraft Fee). It is levied in a case when expenses of the client have exceeded the admissible sum.

Payment for account opening (Setup Fee). A single payment for bank account opening.

Payment for return of the poor check (Return-item fee). It is levied, when the client pays (check), but on the account there were not enough means for a covering of expenses. In such cases usually use expression “bounced check”.

There are also other kinds of payments and collections. For example, a payment at payment by phone, and also at use of other additional types of service which use depends on the discretion of the client.

For today there is a huge set of credit cards.

1. With what it is necessary to begin a choice of credit card?

Yu should know the answer of the following questions:

What type of a credit card I search?

How will I pay for expenses: completely every month or monthly by installments?

On the type, all credit cards can be divided into following basic categories:

cards with a low interest rate;

cards with soft terms of transfer of the balance sheet;

cards with bonuses;

cash back cards (the bank returns from 1 to 25 percent from the spent sum);

prepaid cards;

cards for those who doesn’t have credit history;

cards for students;

card business.

How correctly to choose a credit card?

At filing of application on a credit card, automatically you face variety of unfamiliar concepts.

The special attention should be stopped on:

* a version of interest rates;

* a version of collections and payments.

2. Where it is possible to learn about credit card conditions?

With it there should be no problems. The law of the USA obliges credit establishments to inform the clients on conditions on which they perform issue of credit cards. As a rule, these conditions are listed in so-called “Schumer’s box” (in honor of the senator of the State of New York who has published the law fixing the given rule). Schumer’s Box, it is possible to find on the back offers sent by the credit companies by mail.

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Importance Of Good Credit History: Taking A Car In Credit. Part 1

How correctly to take a car in credit?

The majority of us buying the car fall in love with it and forget about financial nuances. This factor can play a bad role, especially at car purchasing in credit.

How to avoid errors? Let’s consider the most widespread of them.

Error number one is that people at first go to choose the car but only then choose terms of credit.

The employee of a motor show can suggest receiving to you a machine purchase credit directly in their dealer shop. And, as a rule, this offer is much more unprofitable than the offer received directly from bank. Try to consider that cost of the car in the end of term of payments, loses the original cost. On the average, the car gets already cheaper on 10-15 % while the new owner leaves on it from motor show territory. For comparison, think, what is going on with the business of the real estate purchasing in the market?

Such situation, American people name “Upside down” i.e. when for the machine have paid more money, than it of that already costs actually. Thus, the best method is at first to purchase the credit, and then to go and buy the car!

What size of an annual interest on the credit is considered normal?

Certainly, the less is the better. Banks give a smaller annual interest for people with good credit history.

It is possible to check up free of charge credit report from which it is possible to find out on what annual rate for you to count at machine purchasing on credit.

Error number two is barrowing of too great sum of money payments on which you can’t master.

Exit is very simple. Take the calculator, a pencil and a paper blank leaf, sit down to table and make calculation of the monthly budget.

What sum it will be convenient to pay every month? How purchasing of the new machine is entered in the personal (family) budget?

The third error is signing of the credit for very long term, without possibility to extinguish it ahead of schedule without paying thus the penalty (prepayment penalty).

You can also download the list of questions in more convenient form in the internet. You can download there all the questions which are necessary for asking the future creditor. Take the list with your and consistently mark points, at credit reception in bank or a personal call to the future creditor. Also hold it before yourself before arranging the credit through the Internet.

Also you should definitely read the next part of this article and find there also all the necessary information that will be definitely very useful for you in taking a car in credit.

Loans for car owner

Wage day cash advance loans


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