Category: Free Articles

Is ‘credit card debt counseling’ really beneficial?

Not everyone believes that credit card debt counseling is beneficial and there are various reasons for that. Some people just read articles in the newspapers or find advice on the internet and take that as the final thing. So they don’t feel the need for credit card debt counseling. Some others feel that credit card debt counseling companies are just trying to make quick money by telling you the obvious i.e. by telling you something that is being advertised everywhere. However, the most important reason arises from the fact that not all credit card debt counseling companies are genuine and of those that are genuine, not all credit card debt counseling companies provide good advice. So, choosing a proper credit card debt counseling company becomes a critical factor in determining the success of credit card debt counseling. Always go for a reputable credit card debt counseling company, even if their fee is a bit higher. Remember that a proper credit card debt counseling can help you in not just eliminating your credit card debt, but eliminating your credit card debt in a way that is so cost effective as to more than offset the fee credit card debt counseling company is charging you. Moreover, proper credit card debt counseling can save you a lot of time and energy that you would have otherwise spend in studying all about credit card debt, gathering information about various credit card debt elimination measures and comparing these measures. Further, these credit card debt counseling companies can present more than one solution to you from which you can choose whatever appeals the most to you. These credit card debt counseling agencies can also get your credit card debt settled much quicker than if you were trying to do it all by yourself (and without any credit card debt counseling). Also, credit card debt counseling could bring to light things which you would not have been able to see e.g. risks with the approach you were thinking to adopt or a futuristic view of things. Moreover, a person who earns his/her bread by practicing credit card debt counseling as a profession, would know the tricks of the trade which no one else would even have an inkling to e.g. pitfalls of a particular debt consolidation offer, or advantages of another offer etc etc.

There is no doubt with regards to the benefits that credit card debt counseling can bring to you. However, you need to be careful and avoid the fraudsters and pick up someone who has a good reputation.

Credit card debt is a nightmare of a problem and unfortunately there a lot of people who face this today (and if others don’t pay heed, they might get trapped into credit card debt too). Credit card debt consolidation is generally regarded as the most important step in credit card debt reduction and elimination.

So what is ‘Credit card debt consolidation’?

Credit card debt consolidation is the process/strategy to consolidate debt from multiple credit cards into lesser number of credit cards (ideally one or two credit cards). Credit card debt consolidation is sometimes also referred as a balance transfer where you transfer your balance on one credit card to another credit card. Generally, the balance transfer (or credit card debt consolidation) is done from credit cards with higher APR to credit cards with lower APR. Credit card debt consolidation can also be achieved by going for a bank loan (at a lower interest rate) and using that towards paying the debt on the higher APR credit cards. This loan is then paid-back to the bank in the form of monthly instalments.

As you would have noticed, a lot of credit card suppliers and banks keep coming out with attractive offers for Credit card debt consolidation (or balance transfers). There is no dearth of 0% APR offers for credit card debt consolidation. However, credit card debt consolidation is a serious exercise and you must exercise caution so that you don’t get into deeper trouble. When going for credit card debt consolidation, you must properly analyze the offers from various banks and credit card suppliers. Check the time period for which 0% APR is being offered and also the APR that would be applicable after the lapse of that period. Generally, 0%APR is valid for a 6-12 month period only. So, if you are confident of paying back a considerable amount of debt in that period, this kind of credit card debt consolidation will work for you even if the APR (post 0% period) is a bit higher. However, if that is not the case, the long term APR is going to be the most important thing for you. If the long term APR is more than the APR for your current credit card, this kind of Credit card debt consolidation will be futile for you. Also, check processing charges etc before you actually go for balance transfer or credit card debt consolidation with another supplier/bank. Another good idea is to check with your current credit card supplier and see if they can offer a lower APR to you in order to help you in clearing off your debt (you would be surprised that they do oblige at times and hence eliminate the need for credit card debt consolidation).

It’s important that, with credit card debt consolidation, you also inculcate good spending habits; otherwise credit card debt consolidation would really be of no use to you.

Credit card debt consolidation loan

Credit card debt consolidation is regarded as the first step towards getting rid of credit card debt. Credit card debt consolidation loan is one of the ways of consolidating credit card debt. Besides, credit card debt consolidation loan, you can also go for balance transfer to another credit card. In fact, due to the publicity by credit card suppliers, balance transfers seem to be more talked about than credit card debt consolidation loan. Some people kind of forget about credit card debt consolidation loan being available as a method of credit card debt consolidation. However, credit card debt consolidation loan too is important to consider when going for credit card debt consolidation.

So what do we mean by credit card debt consolidation loan?

Put simply, credit card debt consolidation loan is a low interest loan that you apply for with a bank or financial institution in order to clear off your high interest credit card debt. So credit card debt consolidation loan too is based on same principle as balance transfers i.e. moving from one or more high interest debts to a low interest one. The credit card debt consolidation loan has to be paid back in monthly instalments and as per the terms and conditions agreed between you and the dispenser of credit card debt consolidation loan.

Credit card debt consolidation loan, in general terms, is an unsecured loan i.e. doesn’t require you to pledge any security. However, if you have a really bad credit history and you want go for credit card debt settlement using credit card debt consolidation loan, the credit card debt consolidation loan will take the form of a secured credit card debt consolidation loan. This type of credit card debt consolidation loan requires you to pledge a security e.g. the home owned by you or something else that has a value which is comparable to your credit card debt consolidation loan amount. So, worse the credit rating, the more difficult it is to get a credit card debt consolidation loan.

Though balance transfers and credit card debt consolidation loans have the same objective behind them, the credit card debt consolidation loans are sometimes considered better because you end up closing most of your credit card accounts which have been the main culprit in landing you in this difficult situation. However, balance transfers have their own advantages which are not available with credit card debt consolidation loans. Choosing between credit card debt consolidation loan and balance transfer is really a matter of personal choice.

If you need a gift for a special person, or just need some time to unwind, make a creative handicraft. Crafting is therapeutic when you are feeling stressed, and it also can yield a useful or decorative item. Everyone has some measure of creativity, and with modern kits and patterns, a creative handicraft does not have to end in frustration.

If you have a sewing machine, you can learn to make a creative handicraft that will be a useful and welcome gift. Potholders are a great beginning sewing project that can be made from scrap material or unwanted clothing and a bit of double-fold bias tape. Here are the simple instructions for this creative handicraft.

First cut two 8-inch (21 cm.) squares of fabric to be the front and back of the potholder. Choose coordinating fabrics that match your kitchen for these pieces. To make it easier, you can make an 8-inch square pattern from a piece of cardboard to use as a pattern. Cut more 8-inch squares of any old fabric to stack for the filling. You want the stack of fabric squares to be thick enough to protect you from a hot pot, but thin enough to be flexible and able to be sewn through.

Stack all layers so that the outer layers are facing to the outside and the filler layers are inside. You can put a couple of large straight pins through all layers to keep them together. Now sew right across the middle of the stack. Sew across the middle again, perpendicular to the first stitching. You will have divided the square into 4 squares. Sew across the stack again from corner to corner, and again from the other corner to corner. The layers should be joined and sturdy now.

To bind off the raw edges of your creative handicraft, trim with scissors so that all the layers are again even at the edges. Open out one folded edge of the bias tape. The wider bias tape might seem to be easier to use, but the narrow type makes a neater finished product. Starting at one corner, line up the edges of the tape with the edges of the potholder, and start stitching through all layers along the first fold line, which will be about 1/4 inch from the edge. Stitch neatly and slowly, attaching the opened tape all around the edge until you reach the beginning corner. Cut the bias tape off, leaving 3 inches, (7 cm.) to make into a hanging loop.

Fold the bias tape over the raw edge so that the middle fold lines up with the outside of the potholder and the other fold is hiding the raw edge of the bias tape. Now, for best results, hand sew the binding down, forming a loop on your creative handicraft when you get to the end.

This potholder is just one example of a creative handicraft you can create if you have a sewing machine. When it is finished, you will have a useful item made from all recycled materials. Feel free to give this creative handicraft away or keep it for yourself.

Have you ever heard or read the phrase “multiple streams of income” before? Do you know what this phrase means? For many businessmen, creating multiple streams of income online or offline is one way of securing themselves as well as their businesses in the future. They also believe that it can also save them from the so-called famine effect in the business industry. Once you are engaged in affiliate marketing business, it is advisable if you have multiple streams of affiliate marketing income so that if one of those income streams vanished, it will not upset you the way losing your sole stream would. If you depend on just one source of income and this single stream has been downsized or has lain off, you’ll surely find yourself bankrupted and hopeless. Try to ask the most successful online entrepreneurs, and you’ll discover that they have established multiple streams of online income.

There is a businessman that said and attested that the very first step you must take in creating multiple streams of income is to assess or evaluate your resources. Start by assessing yourself first. Jot down your answers to the following questions: What are the talents, abilities, strength and gears that you possess? Are you gifted with excellent and creative writing skills? Can you do well at sales? Are you good in communicating with people? Are you born with an artistic skill or unique ability that other people don’t have? Through this, you can determine the kind of business where can possibly excel.

Next, look around and write down you assets and physical resources such as computer, color printer, scanner, digital camera, cell phone, CD or DVD burner. Write these all down because it can be used as a resource. Consider also your friends and family. Find out what do they possess that you have access to. Remember that no man is an island. You can use the talents, abilities, knowledge and resources of everyone you know.

That’s basically the initial step if you want to create multiple income streams. But if you’re already a webmaster or a site owner, you definitely have an edge. Why don’t you join affiliate marketing business to help you gain extra income out of your own website?

Being involved in affiliate marketing is one of the most desirable ways to make multiple sources of income. It is because affiliate marketing programs come in various shapes and forms. There are a large number of affiliate marketing programs that you can sign on with and start gaining bucks right away. In affiliate marketing, you can make money by promoting and reselling your affiliate products and by recruiting new affiliates. What’s good about this is that you can find widest array of training materials that can enhance your marketing abilities. In affiliate marketing, you can be sure that there are genuine products to promote and sell and there is real income to make.

Either part time or full time, being an affiliate marketer is an excellent way to create multiple income streams by means of promoting products and services from web merchants. Here, you can get affiliate commission without investing big bucks in making your own product and without worrying about book keeping, customer support and ecommerce. All you have to do is to promote and resell the products and services in your site and pass on potential customer’s the merchant’s site.

In affiliate marketing, it is advisable to promote more merchants in your site so that your visitors will have variety of destinations to choose from. Using multiple merchants in the same site or niche means only one thing – you have multiple streams of affiliate income. There is absolutely nothing wrong with this business strategy because this is one of the best ways to protect your business and expanding your horizons. Through this, you can be assured that you won’t experience crisis if ever one of your web merchants closed his/her program.

However, you should choose only those affiliate programs that interest you so that you can effectively advertise and promote them. Don’t ever be tempted into signing up for numerous affiliate programs in the hope that one of them will bring income. Select wisely and don’t be engaged in selling products you know nothing about. Go with the stuff that jives with your enthusiasm; your passion can capture your client by the nose and guide him/her to your affiliate link.

You should also work hard to make your multiple streams of income more stable. You can do this by embracing some strategies and tactics and by developing within yourself, some traits that can help you become successful in any kind of business such as patience, persistence and thirst for knowledge.

Lastly, just remember the adage that says “Don’t put all your eggs in one basket.” So that if one of them is lost, you can still have some to make omelets. And what do these eggs have to do with multiple streams of affiliate income? Well, it goes without saying that the more streams of income you possess, the bigger and better your money lake becomes.

Most craft ideas are geared to individuals, whether kids or adults. Sometimes you’d like to have a craft idea that works for a group of kids working together. Making a mural together is an idea that works for a group. By working together, you are creating something to decorate a shared area. Individual crafts can be displayed, but one unique item is often more effective than a group of items that are almost identical. In addition, sometimes kids’ crafts, like it or not, just become clutter when they are taken home, and it isn’t long before Mom throws it out. This craft idea of making a group mural can be displayed for several weeks and will not become clutter in anyone’s home.

The basic materials for a kids’ group mural is freezer paper. Freezer paper is about 18 inches wide, and it is very tough. One side is plastic coated. That is the side that is designed to be placed against the food. You will have better luck drawing on and gluing things onto the other side. Class or group murals can feature a number of different design elements. You can mix up some finger paint and let the children make hand prints (or even foot prints!) on the paper. You can let them scour old cast-off magazines and color catalogs for pictures they like and let them cut the pictures out and glue them on. They can add scribbles, designs, signatures, slogans, or pictures using markers, crayons, or gel pens. They can attach stickers to the mural as well. This craft idea is very flexible!

For making the mural, choose a topic that relates to the group in some way. If the group are girl scouts, for instance, and have been learning to camp, the mural can feature pictures of items related to camping. If you’ve been learning about dinosaurs, you can use them as a theme. If you want a really messy project that makes a cute mural for fall, mix up finger paint in fall colors. The children can each make a tree by first laying their forearm in brown paint. Then they lay their arm on the paper to make the trunk of the tree. They should spread out their fingers so their arm print has five short branches at the top. To make the leaves, the children make fingerprints all around the top of the tree using paints in other fall colors. If you add a few drops of dishwashing detergent to finger paint when mixing it up, it will be easier to clean off the children’s arms. Do make sure they have old clothes or smocks for this craft idea.

Little preschoolers will like making a mural with an animal theme. You should probably find and cut out animal magazine pictures to start with, and then let the children choose the ones they like for gluing down. Glue sticks are neat to use with small children. They will paste some of the pictures upside down. Expect it and do not scold them. It is the process that is important in this craft idea. The children can also use animal cookie cutters dipped in finger paint to stamp animals on the mural, too. You may need to tape the paper to the table so it doesn’t slide around while the children work.

An elaborate form of this craft idea that adults often make is a quilt around a theme. Each person in the group creates a quilt square to represent some aspect of what the group stands for. These quilt squares can be colored with fabric pens or crafted of patchwork or applique. Again, the craft idea is to build group solidarity and not to highlight one artist’s skills over another. When the quilt top is completed, it can be a group project to tie it or quilt it. It can be hung in a special central location or given to an appreciated leader or member.

Are you a camp director or Sunday School teacher looking for a craft idea for kid enrichment? Maybe you feel like you are just not the creative type, and you struggle with coming up with craft projects. It is true that some people just have a knack for finding or even inventing craft ideas, but your creativity can be improved. There are ways to make it easier to find a craft idea for kid needs.

First, lay aside any perfectionism. Locking yourself into thinking there is only one right way to do something makes every decision harder. Regardless of the kid program you are helping with, there are always many suitable craft ideas out there. Don’t worry about picking the wrong one! If you’ve taken into consideration the age and skill levels of the kids involved, your choice will be adequate.

Next, consider your budget. When choosing a craft idea for kid programs, you need to be aware that some of them are expensive. Prepackaged kits to make a fun foam picture frame or a craft stick cross are affordable for a few kids, but if you are needing to do a craft with a lot of kids, these kits might cost too much. It’s often easy to do almost exactly the same project by just looking at the craft kit components and buying the same materials in bulk at the discount store. You may have to do some preparation, like cutting out shapes ahead of time, or at least making cardboard patterns for the kids to use in cutting out their own. The savings will be worth it, however.

Another consideration is this: in spite of years of indoctrination from women’s libbers, the fact remains that boys and girls like different sorts of crafts! If the craft seems a little girly, don’t use it at boys’ camp. Stick with lace-up leather billfolds, Indian artifacts, dinosaur art, and similar projects. Girls will like beads and anything that’s pink or purple. For a craft idea for kid camp where there are kids of both sexes, keep it on the boyish side and provide some pink materials to keep the girls happy.

An aspect of creativity that the non-creative types don’t realize is that ideas spring from other ideas. That is, if you look over a book or website of craft ideas, maybe none of them will appeal to you, but if you let them, they will spark an idea for a similar project. Use what you can and change what you must in the craft directions. For instance, the craft may have a slogan to be written across the front. If you need to change the slogan to fit your own needs, it’s perfectly OK. For instance, the pictured project might say “Girls rock!” You can change that to “He is the Rock!” if that meets your VBS needs better.

A final suggestion is to realize that you don’t have to change the instructions or create something new to have a good craft idea for kid use. Feel free to follow the instructions to the letter if that works better for you. The kids will have a great time either way. Just pick a craft idea, for kid creativity beats adult creativity everytime! The kids will make it creative, even if you have doubts about your own ability in this area.