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.

Education Based Marketing

We are a society of information junkies. We thirst for information every single day. When we consider our own buying habits, where do we go? If it is a big item we might go to Consumer Reports or search for information online. We will certainly go to Google or Yahoo and search for whatever it is we want.

One of the very best examples of "Education Based Marketing" is seen at http://www.askthebuilder.com . That web site is packed full of information on the how to's of home improvement. People gravitate to vendors who supply the greatest amount of information.

A Simple Example:

If we were going to buy a pizza and we were standing right in front of two identical pizzerias, side by side, and one of them had a big sign in the window that read: "FREE Pizza Recipe Book," which one we would walk into first? We would probably all be interested in what ingredients are in the pizza and how the pizza is made.

What comes into play here? First of all we probably would never see two pizzerias side by side and we will more than likely NEVER see a pizzeria owner "divulge any secrets." The fact is, not very many people are going to ever try and make a pizza at home and it will certainly never taste the same as it does when you buy if from your favorite pizza vendor. The pizza vendor could have a business card with his web site address taped to the box with instructions on how to claim your free "Pizza Recipe Ebook." Of course there are "More Coupons" inside the ebook.

Many restaurant owners do not have much time to spend online. If the owner just had a printed recipe every week, (with his next week's coupon on the other side) he would create a customer loyalty and a following. All of his customers would look forward to the next recipe and would have to come into the restaurant to get it.

Most of us that have an e-mail address have bought something online or subscribed to an e-mail invitation for "specials" that the vendor offers. When we get their e-mail, all it includes is the items that they are selling and often times it is quickly deleted. If we were to buy something from the local craft store and they asked for our e-mail address and said: "We will be happy to send you the free" how to project of the month, "along with some coupons. up? Most likely we would if we had an interest in crafts. Of course that e-mail is going to include the "Special of the Month!" We might just head right back to the craft store to grab the new set of paint brushes that are on sale.

Yes, we are playing in the digital age. That brings up the power of educational ebook marketing. Ebooks are being made all the time and distributed freely all over the Internet. Along with the free information is an opportunity to purchase the vendor's products or services. Ebooks are easy to make or easy to have made for you. A simple example of ebook marketing is seen at: http://www.investigate.net The vendor gives away a free ebook that is useful for locating unclaimed funds held by the states. In it, there is an opportunity to buy unlimited access to public databases. Someone who uses the ebook can access it over and over without ever buying a thing. However, if that customer ever needs to find someone or find some secret public record, where are they going to go?

The salesman or woman who sells to business owners can be a welcome sight if he or she always shows up armed with some written information or "little known secret" about that particular owner's business or industry. That information is always given freely without any expectation of a sale resulting from it. In addition, if the salesman or woman took the time to send a one page piece of mail to all of his customers every month with the "Idea of ​​the Month" on how to increase sales, (along with a business card) who do you think the business owner would want to buy from?

The mission is simple. Educate your customer every chance you get. Provide the most valuable information you can to your customers. Continue to educate your customer the best way you know how and you will develop a customer loyalty that is worth its weight in gold.

What Does Reverse Osmosis Do – What is It?

What does reverse osmosis do? This is a question that we've been hearing a lot laTely. A better question would be, what is reverse osmosis good for. The answer to the second question is, not much. We'll explain why as we move along.

What does reverse osmosis do for you to provide you with clean drinking water? It is basically a de-mineralization system used by the water treatment facilities to filter out larger or see contaminants in the drinking water system. It works by using a porous or a ceramic filter to trap contaminants which have a greater molecular weight than the water itself. It will not however block anything of equal or less weight than the water.

So, what is reverse osmosis doing about all of the chemicals, microbes, and spores in our dinking water? How is it protecting us from them? The truth is that it's not designed in such a way as to do anything about them, and without the use of further filtering it's doing absolutely nothing to protect you.

When answering the question what does reverse osmosis do, we can not be completely negative. The system actually has many positive uses when it comes to industrial purposes. De-mineralization is a necessity in many field such as car washing and photo developing. Here it does an efficient and wonderful job.

What is reverse osmosis doing for your health and well being though? Not much at all we're afraid. As you may or may not be aware there are over 50,000 chemicals in use today, any of which can be found in your drinking water at any time. Chlorine, another toxin, is used to disenfect the water, but there are limits to it's effectiveness. Many forms of microscopic bacteria are imperfect to chlorine, and can cause serious gastric distress if ingested.

What does reverse osmosis do to prevent these microbes from reaching your tap? If you answered not a thing, then your catching on. The funny thing is that the very chemical used to disenfect the water does itself leave behind a microbial byproduct. As the chlorine passes, tiny spores are formed which also escape the filters grass.

Some of you may have seen advertising in recent months for rverse osmosis for your home. The ads go on about how their system is the ideal way to protect and purify your familys' drinking water. Do not believe the hype. As we've already shown you, it is an ill effective means of protection. I t really really kind of a silly concept anyway. If the water treatment plant can not decontaminate your water using the system, then what is reverse osmosis for your home going to do?

What you need to do is shop around for a high quality home system featuring an activated carbon filter. There are many different models available, and you can purchase them as individual tap units, or as whole house models.

Now, if anyone should ever ask for you, what does reverse osmosis do? You'll know to tell them, not much.

Hard Thick Toenails Treatment – Prevention and Causes

Thick toenails are often the result of a toenail fungus. In some cases however toenails can thicken due to wearing tight shoes.

Some of the symptoms of toenail fungus include thickening of the nail, discoloration of the nail, brittleness resulting in crumbling, fogging of the nail, and spots. You may also smell a slight stench coming from under the nail. Often but not always you may feel a slight pain while putting weight on the infected toe.

Causes

Fungus can be caused by a few different things. Its important to understand the causes of toenail fungal infection in order to prevent it from coming back.

Moist public areas such as public pools, gyms, and locker rooms are the perfect breeding ground for fungus and can easily be spread. Make sure you always wear sandals around these places whenever possible. This will significantly reduce your risks.

Also important is to always make sure your shoes have dried out since your last use. Never wear sweaty sneakers left from yesterday. Equally important in preventing thickening of the nails and toenail fungus is making sure your shoes aren’t too tight fitting. Try to wear moisture absorbent socks. This will take moisture of the toes and decrease risks.

Treatments

In addition to taking good preventative measures you’ll need a remedy to treat your current fungus. Most treatments by themselves are ineffective. Prescription drugs that are ingested are dangerous and should be avoided. Not only do they attempt to treat your fungus but they also do serious damage to your liver and kidneys. In extreme cases this can result in liver failure resulting in death.

The best method I found for treating toenail fungus was by soaking my nails in hot water and then gently removing a thin layer of my infected nail with a file. I then applied a white vinegar and dark beer soak for about 30 minutes per treatment twice a day. After this I applied a natural treatment.