Category: Business

What is a Debt Consolidation Calculator?What is a Debt Consolidation Calculator?

The Disadvantages Of Debt Consolidation And How They Differ From One AnotherThe Disadvantages Of Debt Consolidation And How They Differ From One Another

You will have no problem at all finding thousands of pages on the internet extolling the virtues of debt consolidation,but that is because they are all by people who are selling it as a service and therefore have a vested interest in pointing out the positive side. Getting to know what the possible disadvantage of debt consolidation can be is an altogether more difficult business,which is where this article comes in.

The first thing to say is that there is more than one type of debt consolidation,and the disadvantages are different with each one,so we will consider them separately. One form of consolidation is to take out a new loan in order to pay off all your debts. These are known as debt consolidation loans. The other way to consolidate debts is by using a debt management plan.

When you take out a new loan to pay off your debts,you are already at a disadvantage,because the very idea of taking on new debt is a risky strategy. Using a loan will certainly consolidate your debts,because you only have one single payment to think about,but it is very easy to end up worse off if you are not very careful.

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Many people take the advice of the potential lender at face value and look at the single smaller monthly payment as an indication that they will be better off. A lower monthly payment does not necessarily mean that a new loan is going to cost you less than your old debts. The reason most payments for consolidation loans are lower is that the loan is for a much longer period than your other debts were. In many cases if you add up the total that you will have paid by the time your new loan is paid back you will find that it has cost you far more than your old debts would have.

There is another disadvantage of debt consolidation with a loan if you are not very careful about which debts you consolidate. A lender will want you to include all your current debts and take out a loan big enough to pay off everything you currently owe. That can be tempting because the simplicity of a single payment is one of the attractions of debt consolidation,but you need to be very careful or you can end up costing yourself more.

What frequently happens is that people include all their debts,some of which may actually be at very low rates of interest. If you do not check whether the new loan is at a lower rate than the debts you are paying off,you may in effect be swapping some of your debts for more expensive ones. Before agreeing which debts to consolidate you should list out all your debts with the corresponding interest rates that you are currently paying. Check the interest rate for the new consolidation loan and only include in it those debts that are at a higher rate of interest.

Reduce Your Debt by 50%

There are so many disadvantages with debt consolidation through a loan that the vast majority of situations are better dealt with through a debt management plan (DMP). In case you are not aware of how a DMP works,an experienced debt advisor negotiates with all your creditors and tries to set up new arrangements for paying back your debts. The idea is to reduce the amount you have to pay out each month by getting reductions in interest rates and other charges,which often includes writing off any penalty fees or extra charges.

When these negotiations are complete,you just make one single payment to the debt company and they have to deal with your creditors for you. You immediately avoid the big disadvantage of a debt consolidation loan,as there is no new borrowing involved,and the debt company often provide additional free services such as help with budget planning and tips for spending less.

A disadvantage of debt consolidation through a DMP is that they are only informal agreements,so you cannot force any creditor to participate if they do not want to. While many see this informality as a positive aspect of debt management,because it means you can change or get out of the agreement if your circumstances should alter,it does have a negative side too. There is no formal protection with a DMP,so if a creditor decides they want to take you to court instead,there is nothing in the debt consolidation process that can stop them.

The other disadvantage of debt consolidation through a DMP is that there are fees involved. All debt management companies have to charge for their services,and these are usually built into the payments you make. You could arguably save on these if you undertook the negotiation process yourself,but most people would not feel capable of doing that and in any event you would lose part of the benefit in not having to deal with all your different creditors payments.

The most important aspect of debt consolidation is to get reliable advice from a reputable company,so that you are advised properly on which route is going to work best for you. It is easy to apply quickly to several companies and compare the proposals and recommendations that come back. Start with a list of recommended companies that have a proven track record.Don't Let Your Debt Consume You

Do You Need Assistance About Credit Card Debt Reduction? Read On!Do You Need Assistance About Credit Card Debt Reduction? Read On!

If you’re dealing with serious consumer debt,you may be wondering how you can get help without getting screwed over. If you go online and search on terms such as “credit card debt reduction,” or “debt settlement,” you’ll find that there are a number of alternatives. In fact,if you search on the term “credit card debt reduction,” you will get more than 70 pages of results.

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So how can you know where to get help?

Do your homework

Before you leap in,do some homework. Read some articles so that you will have at least a general understanding of debt relief,debt consolidation and credit card debt reduction.

Tiptoe in

It’s also a good idea to look at several debt relief solutions that you feel might be right for you. This could include a bankruptcy attorney,a group that provides credit counseling,a company that does debt settlement or a company offering debt settlement loans. When you contact them,be aware that each one will try to sell you that their solution is your best option. Also,be aware that most of the representatives you talk with are paid on commission. This means their motivation is to sell you their solution regardless of whether or not it might be your best option. Representatives of credit counseling companies may not be commissioned salespeople but they still have motivation to get you in their plans. This is how even non-profit groups earn money and how their employees stay employed and in good standing.

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Is the company putting you first?

A good debt relief company will gather information about you before recommending any solution and honestly explain to you the range of options you have before signing you up for their program. It’s sad but many credit counseling groups will mislead or lie to you about debt settlement. In comparison,an honest debt settlement company will encourage you to contact other debt relief providers before you decide to join their program.

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Save room for monthly savings

In most cases,the debt settlement company you choose will require a monthly payment. If so,make sure that you can afford it and that there will be money left over for savings. While you’re digging out of debt,it’s critical that you can still build your financial emergency fund so that if you are hit with an unexpected surprise,you will have money to weather the storm. In the event that you see that you can’t make the required monthly payment and still save money,you have probably not chosen the right solution.

Sleep on it

Do your homework,make sure you feel the debt relief company is right for you,ensure you can meet any required monthly payment comfortably… and then sleep on it for a day or two. You’re not buying a toaster or a microwave oven. You’re making a very large commitment and it’s crucial that you’re comfortable with what you’re doing before you sign on the dotted line. Unless you’re being threatened with foreclosure or the seizure of some asset,there’s just no reason to rush into a decision that could have a very profound impact on your life.

Three Main Options of Credit Card NegotiationThree Main Options of Credit Card Negotiation

Debt is very much a part of the modern society. According to research,we all owe someone something. Financial experts agree that not all debt is bad and in fact,at times it is necessary. It does not take an expert to let you know that grave debt can be a source of enormous stress in view of the consequences that will follow,if you do not take steps to correct the situation.

If you have maxed out all your credit cards and getting into deeper debt every day,you have three main options of credit card debt negotiation that can help you correct the problem.

1. Negotiate with your credit card company

One of the debt consolidation solutions you can use to get rid of your debts it to talk to your credit card company. Even if they have turned you down before,do not give up. Instead of using a company to talk to your creditor,do it yourself. This will save you additional cost,and will show the creditor how bad your situation is. Be persistent but polite when talking with your creditor.

Before you go to your creditor to negotiate for a deal,have your facts right. Make sure you always keep good records of your debts. This will help you to explain better your situation to the credit company. Your aim is to get the creditor to agree to a modified payment scheme that reduces your monthly payments to the amount you can afford. If you do not pay your debt for over 6 months,the creditor will write it off as a loss and this will reflect on your credit score. Do not let things get out of hand.

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2. Use a credit counselor

At times,the load might be too heavy to carry on your own. Using the services of a credible credit counseling organization can offer you advice on managing your debts. They offer free workshops and educational materials,and they would help you create a functional budget. Officials from these organizations have training in consumer credit,budgeting,and money and debt management.

These organizations are often non-profit and are widely available in many avenues. However,this does not necessarily mean that they are free,and some may charge high fees. You can confirm the legitimacy of a credit counseling organization by checking the trustee’s list of organizations that are approved.

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3. Declare bankruptcy

If you are out of options,then you should consider declaring bankruptcy. However,before you do this be sure you are aware of all the implications. Bankruptcy will hurt your credit score in a major way. It will take you a whole decade before you can rub off the effects of bankruptcy from your credit score. If you decide to go ahead with the bankruptcy,it is vital to file it properly.

Whichever way you decide to deal with debt,as long as you have looked at all the options available for you,and have sought the counsel of experienced financial advisors,you will be fine.

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Today,a core part of any successful modern marketing campaign is digital marketing. There’s tons of noise out there,countless marketing channels,and digital marketing is more complex than ever. One of the greatest advantages of using a digital marketing agency is that you can allow them to renew your marketing from the ground up while you focus on running your enterprise. The value of having a certain digital marketing agency for any form of business is practically boundless.

A Well-designed Social Media Digital Marketing Strategy

A great deal of businesses are finding it hard to stand out on social media,due to an increased competition in social marketing. Claiming premises on social media will help you solidify your brand,as these profiles rise to the top of Google and defend your online reputation,just like they do any major brand. They are highly beneficial to SEO as well.

Being a digital focused digital marketing agency,the primary intention is to inspire,energize and innovate brand conversations,engagements in mobile,online and all other media. Customers want to be part of the conversation,and social media branding allows these conversations to happen on your own territory.

Web Design & Layout

If the website is mobile-friendly,a responsive design plays an essential part in making a website and a website that’s mobile-friendly enjoys a lot of search engine traffic.

Whether you are looking to make a blog,portfolio display website or a local business website,it is key that your website be correctly optimised and organized,because search engines place and find a website based on specific criteria. A great UX on a website is critical for to assure your website ranks highly on search engines. You will bring the right kind of people into your services,who really want to know more about your enterprise,by having a well-written website.

Search Engine Optimization And Digital Marketing In General

A better digital marketing agency will have a proven history in delivering highly effective SEO,social branding and press-building campaigns.

On-page optimization will increase the value of your website in every feature of digital marketing,giving your customers & prospects the content they want,and helping Google understand what your site’s about,which is vital to great SEO rankings.

With vast experience in both Search Engine Optimization and social branding,Agency Intelligence AI at http://agencyintelligence.co/ is eager to partner with you to grow your brand dominance in the industry. We’ll study and track your digital marketing progress,and get the maximum ROI for your organization. There is no other digital marketing agency you would want to partner with,when you desire to make a powerful impact on your clients and make your business flourish.

The range of digital marketing is constantly expanding and evolving,with the promotion of technology. In case you’re struggling to keep up,there’s help! Agencies like Agency Intelligence (AgencyIntelligence.CO/) keep you ahead of the game in every way,helping you adapt to the newest marketing methods in a way that doesn’t assault you with tech nerd lingo. You understand the value you receive out of your brand growth.

Place your trust in a digital agency with award-winning methods. Go to https://agencyintelligence.co/ to learn more.

Beef Up Your Website with a Toronto Web Dev and SEO ExpertBeef Up Your Website with a Toronto Web Dev and SEO Expert

There’s much to consider and do when starting a fresh business and it can get very overwhelming. Regardless of if you are familiar with content management systems and the technicalities of your website,it can consume lots of time to juggle managing your website with managing your business. That’s why it’s a solid idea to utilize a developer who can create for you a website that can generate more customers.

The Task Of SEO Or Search Engine Marketing

You have to take your products and services in a really effective mode and be where your audience is active. The the internet,devices,and browsers are always changing and changing fast,as previously mentioned. When you do not have a highly targeted and optimized SEO campaign behind you,then you miss out on countless potential customers seeing your company. A consistent social media campaign will help your business engage with current customers,make your name and bring in new clients. Local businesses have their own special listings that are connected with Google Places and Maps,which means your business must be in there more than ever. Your potential customers often get lost and choose other options,when your website and your brand promotion do not match.

A Social Media Marketing Plan

In order for a company to thrive,every marketing plan has to have online and web advertising incorporated in its construction. A means to draw visitors,support them to take control,and demonstrate what you do. A digital marketing strategy will help you change your presence and make you stand out from rivals,regardless if your enterprise is business-to-business (B2B) or business-to-customer (B2C). To appeal to your target market,and to help you grab as much online attention as you can,you should implement specific keywords in your merchandising. A strong social media strategy can be used to make a community that centers around your name.

Digital Marketing And Toronto SEO Services

WordPress provides the situation for easy content management in addition to a host of other functional and display tools for the Toronto website designer. Most web developers and SEO experts,such as the professionals at WebDesignToronto,have great specialty in working with WordPress sites. You desire your targeted audience to be compelled to buy your product after reading the content you have to offer,when you have a website especially an entrepreneurial based website. The reason why you desire your website to be mobile friendly is to obtain higher ranking on Google,Ask,Yahoo and Bing. Stand-alone mobile websites are not in use anymore because of double management for main website and the moving as a pretty much secondary website.

HTML5 and Why It Makes Web Development So Easy

All new websites and subjects are being built with HTML5,which means your blog or website will be quick and versatile when you are using the latest content management systems. Just make sure to use one that is user-friendly â because it will optimize the development process for both yourself and the designer,who can understand what kind of visual flair you want to give to your website and at the same time strategically place elements that allow you to monetize your site. After all,your goal is to convert more customers.

Debt Relief: Find A Legitimate Company That Can Deliver On Its PromisesDebt Relief: Find A Legitimate Company That Can Deliver On Its Promises

If you’re struggling to pay off your debts,any offer that promises “guaranteed” debt relief may sound very appealing. Who wouldn’t need some help with his monthly payments?

However,can a debt relief program really lower your interest rates and reduce the amount of money you owe? If so,what’s the catch? It’s smart to ask these questions before enrolling in such a program.

Debt is a problem that you’ve probably spent years creating,so don’t go looking for a quick fix! A legitimate debt relief company will never falsely promise to resolve your debt in less than a year – a monthly payment plan should be offered instead. A realistic debt relief program should be designed – just for you and your specific situation.

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According to the non-profit National Association of Consumer Bankruptcy Attorneys,only one in ten debtors participating in these programs actually ends up debt-free in the promised period of time. Find a legitimate company that can deliver on its promises! And remember that a road to being debt-free is rarely smooth,or short.

Beware of companies that claim that they can negotiate one-time settlement with all of your creditors. That will dramatically reduce your principal,they say,and your monthly payments will drop like a stone. What these companies promise is a fairy-tale: a beautiful and highly appealing,but impossible dream. It would have been great if it was true,though.

Inform yourself in advance about the fees you are expected to be paying. You shouldn’t be paying any fees until you actually get debt relief.

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To qualify for a program,your debt must exceed a certain amount,and you have to prove that you cannot make the minimum payment required. If you pay your monthly installments on time,your creditors may refuse to negotiate any debt settlement with you – why would they?

Enrolling into any debt relief program will therefore force you to default. That certainly comes with its own set of problems! Your credit rating will be damaged,probably severely.

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Obviously,if your credit is already damaged,that is one problem you don’t need to worry about. So,should you try to settle your debts this way? The decision is easier to make for those debtors who are only a step away from filing for bankruptcy. No matter how things get desperate financially,take time to find a reputable debt relief company that doesn’t over-charge or over-promise.

Is the N99 Dust Mask Better Than The N95?Is the N99 Dust Mask Better Than The N95?

Is theN99Better Than The N95? People in the country are always on the search for the next big thing. May it be in technology or something related to health. Industries,on the other hand,are keeping up with the current demands in order to cater to the needs of the ever-evolving world.

Now that the air pollution levels are constantly on the rise,there is a need for the people to step up their game when it comes to protecting their respiratory health. Dirty air can bring about aparticulatematter that could irritate the nose,throat,and worse â the respiratory system. As a result,the person who is affected could experience discomforts such as nausea,headaches,and difficulty in breathing.

To combat this,healthcare companies have encourages a lot of industries to produce betterprotection equipmentthat could be used by the common people against the inhalation of dangerous particulate matter. This is where masks such as theN95and N99 come in the picture.

What Do TheseMasksDo?

For someone who has worked with drywall,insulations,paints,or has dealt with large amounts of dust,they know how important adust maskis in preventing any respiratory illnesses. Usually,they use N95dust masks. However,if they feel like they need extra protection,they go for the N99.

Basically,these masks provide a more efficient filtering capability compared to the traditional paper or clothdust masks. This is because they are made specifically to fit the users’ faces,they leave no room for airborne particles such as dust and molds to penetrate and enter the person’s respiratory tract. That is why it’s recommended for a person to do a fit test first before purchasing the mask.

These masks are also approved by theNational Institute of Occupational Safety and Health. And the Centers for Disease Control have also recommended using these masks to prevent catching the flu or in cases where there is a virus outbreak.

What the Number Means

Although the two masks have the same composition and materials,people may think that these two are exactly the same. Although they may be right to some extent,there is a slight difference between the two. The “N” in their names is used to signify that not resistant to oil which is why they are not recommended for oil-based particles.

The difference lies within the numbers of the masks. The N95 means that it’s efficient in filtering out very small particles (0.3 microns) in the air. On the other hand,the N99face mask for dustcould filler out99% particulatematter. Based on the facts presented,people would think that getting the N99face maskwould be better but they’re also not entirely correct in that notion.

Although the N99breathing maskhas better filtering capabilities,they are also much denser than the N95. This means that during extreme activities,sweat could form within the area of the nose and mouth and the moisture from that could build up within the filter making it difficult for the users to breathe and for the mask to lose its effectiveness in filtering out dust and other particles.

In Conclusion

Both masks are definitely efficient in filtering out harmful airborne particles. However,in order to know which one is better,you would have to consider the activity that you would be doing. For instance,if your activity involves you to perform a lot of physical activity,then the N95dust maskwould be better but if not,thenN99 respiratorcan be a good choice,as well.

The N95 and N99 masks are great protective face pieces to have. Whatever you choose,you’d still be able to experience the maximum respiratory protection it can provide. Available on Amazon.com

Chicagoland Finally Set To Get First City Works Location In Schaumburg Next To Business ApartmentsChicagoland Finally Set To Get First City Works Location In Schaumburg Next To Business Apartments

will feature hearty American dishes with chef-driven spins,according to the group. City Works is no stranger to the food scene in American – the Schaumburg location is their eighth location.

According to a press release that the management group put out earlier this year,the space features a 5,300 square-foot patio with an indoor and outdoor bar,a jumbo 130″ HDTV,a bocce court,and 9,200 square feet interior part of the restaurant with seating for 158,bar seating for 23,11 65″ and four 110″ HDTVs. But that’s not all! If you’re looking for a place to host a private event,City Works in Schaumburg is the place to do it. The restaurant will have a private event space with a 110″ HDTV that can accommodate up to 50 people and 36 for a seated event.

Just because this is the Chicagoland’s first location doesn’t mean that the beer menu will be featuring all out-of-state beers. Bottleneck notes that more than 40 percent of the beers on their list will be brewed by Chicagoland brewers. And if you’re not a beer drinker,don’t worry – the Bloody Mary is perfect for someone like you. The drink features a spicy house Bloody Mary mix and Tito’s Handmade Vodka,crowned with grilled shrimp and a skewer loaded with cubed pepper jack cheese,cornichon,cherry tomato,Gibson cocktail onion,and a Slim Jim stir stick,according to the release.

Why Start A Side Hustle?Why Start A Side Hustle?

By John Sage Melbourne

I yap about developing a wealth mindset. It’s not just about being wise about conserving money,but also quite about opening your mind to chances to make more money. Starting a side hustle– or an extra earning venture in addition to your ‘day task’– is a powerful method to grow your wealth.

Let me illustrate this with a story.

Josh is a 25-year-old graphic designer living in Melbourne who makes $56,000 per year at his full-time task. He enjoys his coworkers and the ambiance at his business and has no plans to leave. But something many of his coworkers do not know is that Josh makes an extra $100,000 a year from his side hustle– a dog-walking business that he introduced 3 years ago while still a student.

Josh began walking dogs for $5 a walk as a method to make some money in between classes after seeing a publishing on a school message board. He was walking up to 10 different dogs weekly,but as more people moved into his neighbourhood,he began to attract more business than he might handle. To please demand,Josh hired a few other trainees to stroll dogs. Now he’s making almost twice what he makes at his workplace task just from this simple business concept.

Josh is also conserving a heap of money since he practically lives like a student. He still lives in the apartment or condo he had in uni and invests almost one hundred percent of the revenue he makes side hustling. Making $56,000 and conserving 20 percent of his wage per year ($11,200) at a 7 percent yearly development rate,Josh would require about 33 years to strike his $1.5 million number. And as you know,after 33 years,he ‘d in fact require a lot more than that to retire. But since of his side hustle,Josh is currently on speed to have $1.5 million conserved by the age of 30 (in just 5 more years).

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If you wish to make a lot of money rapidly,you require to diversify your income streams by developing several side hustles– moneymaking ventures beyond your full-time task.It’s something to make a few extra dollars on the side so you can go out to a nice dinner or buy a nice pair of shoes,but if you wish to reach monetary independence as rapidly as possible,you’re going to require to up your side-hustle game. You require to move beyond simply trading your hours for a limited amount of money and shift to considering side hustling using the enterprise mindset.

For more details about growing your wealth mindset,visit John Sage Melbourne here.

Money saving Tips for FamiliesMoney saving Tips for Families

By John Sage Melbourne

“Watch the pennies and the dollars will look after themselves.”

Have you ever heard that expression? It’s a excellent frame of mind to be in to build up wealth every day. More notably,it shows a wealth frame of mind,and it’s something every household can and need to embrace.

If you can be conscious of your money when percentages remain in concern,these cost savings add up to big things. With that in mind,let’s discuss ideas to conserve you pennies,and before you know it,you’ll have dollars to do big things with.

How typically does your trip to the stores get derailed by impulse purchases? That way you just stroll out of the shop with items you prepared to get PRIOR TO you went in.

{ * Get rid of one service each year that you can do without. It’s tough to ‘adult’ without assistance. Professional services are a godsend to busy families,be they garden enthusiasts,cleaners,or mechanics. Many of us can conserve money by doing basic things ourselves with a little time management. Could you clean your own car or canine? Could you cut your own yard? Or do your own activities with the kids instead of pay for their third extracurricular activity?