Thursday, January 28, 2010

short term personal loan Cisco Training In Interactive Format Explained

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By Jason Kendall

CCNA is the usual starting point for all Cisco training. This will enable you to work on maintaining and installing routers and network switches. Fundamentally, the internet is based upon huge numbers of routers, and big organisations that have various regional departments rely on them to keep their networks in touch.

Jobs that use this type of knowledge mean the chances are you'll work for large companies that are spread out geographically but need to keep in touch. Or, you may move on to joining an internet service provider. Both types of jobs command good salaries.

Qualifying up to the CCNA level is al! l you need at this stage - don't be cajoled into attempting your CCNP yet. Once you've got a few years experience behind you, you will have a feel for if CCNP is something you want to do. Should that be the case, you'll have a much better chance of succeeding - because you'll have so much more experience.

Beginning with the understanding that it's necessary to locate the market that sounds most inviting first and foremost, before we can contemplate which training course meets that requirement, how do we know the way that suits us?

Perusing long lists of different and confusing job titles is no use whatsoever. The majority of us have no idea what our own family members do for a living - so we have no hope of understanding the intricacies of any specific IT role.

Consideration of the following issues is imperative when you want to dig down the right solution that will work for you:

* Your individual personality and what you'! re interested in - which work-related things you like and disl! ike.

* Are you aiming to pull off a closely held aspiration - for example, being your own boss sometime soon?

* Have you thought about salary vs the travel required?

* Considering all that the IT industry encompasses, it's obvious you'll need to be able to take in the differences.

* Having a proper look into the effort, commitment and time that you can put aside.

For most of us, sifting through all these ideas needs a long talk with someone that has direct industry experience. And we don't just mean the accreditations - but also the commercial requirements besides.

You should look for an authorised exam preparation system as part of your training package.

Confirm that the exams you practice are not just posing the correct questions on the correct subjects, but ask them in the way that the actual final exam will formulate them. This really messes up people if the phraseology and format is compl! etely different.

Ensure that you have some simulated exam questions in order to verify your knowledge whenever you need to. Practice or 'mock' exams will help to boost your attitude - so you won't be quite so nervous at the actual exam.

Locating job security in this economic down-turn is very rare. Businesses can throw us from the workplace at a moment's notice - whenever it suits.

Security only exists now via a quickly increasing market, fuelled by work-skills shortages. It's this shortage that creates the correct environment for a secure marketplace - a much more desirable situation.

Taking a look at the IT sector, a key e-Skills investigation showed a 26 percent shortfall of skilled workers. So, for each 4 job positions existing throughout computing, employers can only find properly accredited workers for 3 of them.

Gaining full commercial computing certification is correspondingly an effective route to rea! lise a continuing and worthwhile career.

It would! be hard to imagine if a better time or market circumstances could exist for obtaining certification in this hugely increasing and evolving industry.

One useful service offered by some training providers is a Job Placement Assistance program. The service is put in place to help you find your first job in the industry. At the end of the day it's not as hard as some people make out to land your first job - assuming you're well trained and qualified; the growing UK skills shortage sees to that.

However, what is relevant is to have advice and support about your CV and interviews though; additionally, we would recommend everybody to bring their CV up to date the day they start training - don't put it off until you've graduated or passed any exams.

Being considered a 'maybe' is more than not being regarded at all. Often junior support roles are given to students in the early stages of their course.

The best services to help you find a jo! b are usually specialist locally based employment services. As they will get paid by the employer when they've placed you, they have the necessary incentive to try that bit harder.

To bottom line it, if you put as much hard work into securing your first IT position as into studying, you're not going to hit many challenges. A number of people inexplicably spend hundreds of hours on their learning program and just give up once they've got certified and seem to expect employers to find them.

Commercial qualifications are now, undoubtedly, starting to replace the more academic tracks into the IT sector - but why is this?

Industry now acknowledges that to learn the appropriate commercial skills, certified accreditation from the likes of Microsoft, CompTIA, CISCO and Adobe most often has much more specialised relevance - for much less time and money.

Typically, the learning just focuses on what's actually required. It isn't quit! e as lean as that might sound, but principally the objective h! as to be to cover the precise skills needed (including a degree of required background) - without trying to cram in all sorts of other things - in the way that academic establishments often do.

If an employer is aware what they're looking for, then all it takes is an advert for the exact skill-set required to meet that need. Commercial syllabuses are set to exacting standards and don't change between schools (in the way that degree courses can).

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Sunday, January 24, 2010

credit watch Anxiety And Panic Attacks Are They The Same Thing?

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By Deborah Shevaun

Many people who find themselves struggling with anxiety or panic attacks do not even realize that they are one of the thousands of people who are suffering from this condition. In fact research shows that there are several people who struggle with this condition on a daily basis and the truth is that most of them do not even realize it. This condition is predominant among the young adult population; however recently anxiety and panic attacks have started affecting young children as well.

If you have been wondering what anxiety and panic attacks are then you have come to the right place. We wanted! to help you better understand why people are suffering from this condition and why they affect people in our society.

Regardless of what type of condition that you have both of them will make you feel as though you are a prisoner in your own home. One of the reasons that this makes you feel like this is because the attacks can occur at any time of the day.

Most people who have suffered from anxiety and panic attacks have noticed that they experience trouble breathing, chest pains and other known symptoms that will affect their health in a negative way. The great news is that you can begin learning some important steps that will help you learn how to overcome panic attacks naturally.

The internet is full of information that promises people to learn how to overcome panic attacks without using prescriptions and medications naturally so you do not have to worry about experiencing all those side effects.

In fact if you are one! of the thousands of people who suffer from symptoms of panic ! attacks or anxiety disorders then you will want to visit the site below. We have disclosed some valuable resources that will enable you to get rid of the problem naturally and get back your life.

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loan interest rates Mind Over Matter - The Facts And Fiction

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By Jackie Traveller

A lot of people have a hard time believing that they can change their circumstances. If you are like most people, you believe that what you have is what you are stuck with. Understanding the concept of mind over matter will change all that.

The truth about life in general is that everything is mind over matter. Everyone has the capability of further developing their mind power; they just have to know how to do it.

Think about your current circumstances. You might be in a job you hate or struggling financially or worried about your relationship, or lack of it. Each of these aspects of your life are there! as a result of your own choices. This means your mind created those circumstances for you. It's hard to think about some of the negative things around you right now as being a result of 'mind over matter', but it's true.

Now think about the things in your life you are happy for. You might be proud of your achievements, pleased with your home, happy with your relationship. Each of these circumstances are also a direct result of your mind's power. After all, you made the choices that resulted in these things being in your life.

If you could master the mind over matter powers that could bring you more of the good things and less of the negative things, would you be interested?

Now imagine what power you could have by changing your own thought processes and beliefs. Imagine saying to yourself regularly 'I deserve a better job with much more money'. Say this to yourself firmly every time you catch yourself thinking negative thoughts. Your ! sub-conscious is listening and you will begin to reprogram it ! to accep t these positive thoughts.

This is because your subconscious mind has already been programmed to make sure you hate your job and that you won't be able to afford nice things or to make sure you continue to struggle to lose weight. These negative beliefs can highly impact all areas of your life.

You can easily see that everything is mind over matter once you take a step back and examine your previous experiences. Take for example someone who has been through a violent and abusive relationship. If they have been called names such as fat and stupid, eventually, if they remain in that relationship, their self-esteem will come soaring down.

Now think about what you want your future to look like. Mind over matter is about teaching your mind to create, look for and accept more positive results than the ones you've been accepting in the past.

If only more people knew that their destiny lies in their hands (and minds of course), the! re would be less sadness and failure.

The mind can do amazing things. Scientists believe that humans use only 10% of their brain power. The remaining 90% is sitting latent in your skull, waiting for an opportunity to exert the power to create a life of abundance and joy.

You'll be living a life full of abundance and joy once you've learned to master mind over matter techniques.

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Saturday, January 23, 2010

consolidate student loan Is It Easy To Develop Telepathy?

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By George J Dexon

Telepathy is the direct exchan! ge of thoughts, feelings and emotions between the minds of two people. This is a method of communication which uses nothing but the power of the mind to convey a message.

Telepathy is an ability which every one of us innately possesses. However, this is also an ability which is not commonly practiced, so most people are unable to consciously use or control it. From time to time, all of us have moments where our natural telepathy comes into play. However, what if you could use this incredible communication ability consciously?

There is still a large amount of skepticism surrounding the use of mind powers of any degree but consider this: how many times have you been in a great mood only to meet a person who is gloomy and depressed. Within just a few minutes of talking with the miserable person, your own mood starts to reflect the same thing.

Its not what they were saying to you; not with their mouths, anyway. What has happened here is th! at you were telepathically receiving their emotions and feelin! gs.

It has been shown in studies that the part of the subconscious mind which controls telepathy can be activated. What you need to do is to focus on the person with whom you want to communicate in this way.

As with any other form of communication, we are taught as children by our elders. Our parents teach us speech and body language, so that we mimic the same language and even the same accents. This is because we all have the same ability to learn to communicate, but we only communicate in the ways in which we were taught.

Most likely, telepathy is not something your parents taught you; but this doesnt mean that you cant use this ability. It only means that you havent learned how to make use of it yet.

Here are some ways to develop the telepathic abilities which all of us are born with.

Mental-Muscle training

Just as we have to learn how to control our vocal chords as children to form speech, your telepat! hic muscles will also need some training.

It is easiest to access the part of your brain which controls telepathic function when you are in a trance state. You can reach this state of deep relaxation by using relaxation techniques including meditation.

You have to practice until it is easy for you to reach this state. Once you have managed to do this, you have started training your mind to use telepathy.

Focus

It does take some practice to maintain your focus while in the deep relaxation of a trance state. Focus on someone who you want to telepathically communicate with as you relax and stay focused as you slip into a trance state.

Imagine this person and project happy thoughts. Visualize the person receiving your happy thoughts and feelings. Maintain your focus for as long as you think it takes the person to feel the connection between you.

Then stop focusing on them at all. Stop the contact so t! hat they can feel the communication being broken off; this sho! uld make them attempt to reestablish this link.

The point of learning to focus while on your own is so that when you begin your training with a partner, your mind will already be receptive and ready to receive impressions and images more easily.

Partner Practice

Choose one person to be the receiver and one to be the sender. The sender should choose simple items to project. Choose items with clear, bright colors that are easily recognizable.

The receiver should keep a writing utensil and paper close at hand so that they can write down any communications they receive from the sender.

Afterwards, sender and receiver compare notes to assess how successful the exercise has been. Dont get discouraged; telepathy is an ability which takes practice, but you will improve over time.

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By Melanie LaPatin

Whether its the Rumba, Mambo, Cha Cha, Salsa or Merengue, theres a lot more to Latin dancing that simply learning the steps. While all of these styles are great fun to dance, in order to master any of them, you have to develop what is known as the Cuban Motion. Although somewhat hard to describe, the Cuban Motion is like what they used to say about a rattlesnake, Youll know it when you see it.

The Cuban Motion earned its name from the way that Cubans move when they dance, and this motion is essential to any form of Latin dancing if you want to do it right. Of course, it comes naturally to Cubans. When performed properly, the Cuban motion is fluid, sensual, fun and quite a work out, as it coordinates movement between all the body parts, l! iterally using every muscle.

The first thing most! people will notice and recognize is the characteristic swaying of the hips, but the Cuban Motion is so much more than that. A wide variety of movements must come together in unison, but once everything clicks and the movement becomes natural, it is an incredibly impressive form of dance.

The trick is to learn each movement individually until it becomes second nature, then put them all together. Since this is a dance, after all, the best way is to start from the bottom up. The feet touch the ground first with the ball of the foot, followed by the heel so the foot is flat on the floor. The feet alternate in this manner: Ball, heelball, heel. Meanwhile, the knees bend and straighten naturally. As the heel is up, the knee of that leg is bent, when the heel comes down, that leg is straightened. Similar to the motion of riding a bicycle, but without raising the feet very far from the floor. Also like riding a bike, the hips sway in rhythm with the rising and falling heel. Th! e weight of the body shifts from one foot to the other as the foot is flat on the floor. All of this movement is completely isolated from the rest of the body, which has its own movements.

The entire upper torso remains upright, as if the upper half of your body doesnt know what the lower half is doing. The rib cage, while keeping erect, moves from side to side in opposition to the hips. As the right hip comes up, the rib cage shifts laterally to the right, as the left hip comes up, the cage shifts laterally to the left. The shoulders shift up, matching the hip movement, while the arms remain relaxed and held in an outward position, giving the illusion that the arms are unaffected by the movement of the center torso.

Start off practicing each movement, then start combining the movements from the footwork up. When you have everything together, practice to slow music, then increase speed. Throughout it all your body must be relaxed.

Even! tually, the different areas of the body will start moving toge! ther. Wh en all of this comes naturally to you, you can incorporate the Cuban Movement into any Latin dance step " and you will look and feel like a pro!

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Thursday, January 21, 2010

bank finance Stop Credit Card Offers

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You can stop receiving credit card offers in the mail! It''s really easy to do - just phone 1-888-567-8688 and follow the prompts and provide the requested information including Social Security number, date of birth, etc.

Do this for every adult member of your household, including college students. Your "opt-out" status will be sent to each of the four credit bureaus (Equifax, Ex! perian, TransUnion and Innovis). In four to six weeks, you will reduce the number of these kinds of offers.

Protect your identity, save a tree and make your postal carrier''s life easier, too!

Cindy Morus (http://www.cindymorus.com) is a Certified Financial Recovery Counselor specializing in showing women and their families how to achieve financial well-being and peace of mind. She is also a Certified Credit Report Reviewer. Contact her at 541-387-2995 or cindy@cindymorus.com. Get a free copy of the "Secrets to Negotiating Lower Credit Card Interest Rates" e-book when you sign up for the "Financial Freedom Monthly" newsletter at http://www.cindymorus.com/newsletter.asp .

Attention Ezine editors/Site owners: Feel free to reprint this article in its entirety in your ezine or website as long! as you leave all links in place, do not alter the content and! include our resource box as listed above. If you do use the material please send us a note (cindy@cindymorus.com) so we can take a look. Thanks.', 127, 'Stop Credit Card Offers, Credit, Credit articles, Credit information, about Credit, what is Credit, Credit Information', 'Stop Credit Card Offers plus articles and information on Credit'


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It''s not as hard as you think to raise credit score. It''s a well known fact that lenders will give people with higher credit scores lower interest rates on mortgages, car loans and credit cards. If your credit score fall! s under 620 just getting loans and credit cards with reasonable terms is difficult.

There are more than 30 million people in the United States that have credit scores under 620 and if you''re probably wondering what you can do to raise credit score for you.

Here are five simple tips that you can use to raise credit score.

1. Get a copy of your credit report

Obtaining a copy of your credit report is a good idea because if there is something on your report that is incorrect, you will raise credit score once it is removed. Make sure you contact the bureau immediately to remove any incorrect information.

Your credit report should come from the three major bureaus: Experian, Trans Union and Equifax. It''s important to know that each service will give you a different credit score.

2. Pay Your Bills On Time

Your payment history makes up 35% of your total credit score. Your recent payment history will carry much more weight than what happen! ed five years ago.

Missing just one months payment on an! ything c an knock 50 to 100 points off of your credit score.

Paying your bills on time is a single best way to start rebuilding your credit rating and raise credit score for you.

3. Pay Down Your Debt

Your credit card issuer reports your outstanding balance once a month to the credit bureaus. It doesn''t matter whether you pay off that balance a few days later or whether you carry it from month to month.

Most people don''t realize that credit bureaus don''t distinguish between those who carry a balance on their cards and those who don''t. So by charging less you can raise credit score even if you pay off your credit cards every month.

Lenders also like to see a lot of of room between the amount of debt on your credit cards and your total credit limits. So the more debt you pay off, the wider that gap and the better your credit score.

4. Don''t Close Old Accounts

In the past people were told to close old accounts they weren! ''t using. But with today''s current scoring methods that could actually hurt your credit score.

Closing old or paid off credit accounts lowers the total credit available to you and makes any balances you have appear larger in credit score calculations. Closing your oldest accounts can actually shorten the length of your credit history and to a lender it makes you less credit worthy.

If you are trying to minimize identity theft and it''s worth the peace of mind for you to close your old or paid off accounts, the good news is it will only lower you score a minimal amount. But just by keeping those old accounts open you can raise credit score for you.

5. Stay Out Of Bankruptcy

Bankruptcy is the single worst thing that will destroy your credit score. Bankruptcy will lower your credit score by 200 points or more and is very difficult to come back from.

Once your credit score falls below 620, any loan you get will be far more expensive. A bankruptcy! on your credit record is reported for up to 10 years.

T! he reali ty of a bankruptcy is it will limit you to high-interest lenders that will squeeze out high interest rate payments from you for years.

It is better to get credit counseling to help you with your bills and avoid bankruptcy at all costs. By getting credit counseling instead of declaring bankruptcy you can raise credit score over a much shorter period of time.

Copyright © 2005 Credit Repair Facts.com All Rights Reserved.

Gary Gresham is a mortgage loan officer and the webmaster for http://www.credit-repair-facts.com He offers you credit information, debt elimination programs and informative facts that give you the knowledge to correct your own credit and credit report. For more credit related articles go to: http://www.credit-repair-facts.com/articles_1.html', 127, '5 Ways To Raise Credit Score, Credit, Credit articl! es, Credit information, about Credit, what is Credit, Credit Information', '5 Ways To Raise Credit Score plus articles and information on Credit'


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Like me, you''ve probably been offered a fair old number of these by now...

..and, if you''re like most people, chances are you maybe own at least one or two.

They always seem to put in an appearance at just the right (or wrong) moment...

It might be Saturday and you''ve just seen the clothing item of your dreams.

That can be a pain, though, if this month''s paycheck isn''t due fo! r another week.

You''re undecided.

Until, that is, you''re offered...

..a store card.

One of the horrible ironies about store cards is that the vast majority of people who sign up for one actually had no intention of making a purchase before they left the house.

But if you''re caught in the above situation, the convenience factor frequently wins the day, doesn''t it? Add on top of this all the little goodies thrown in as a sweetener...

An introductory discount on goods ? typically around the 10% mark ? extra money off during sales periods etc...

But let me tell you what the sales assistant probably won''t...

For starters, did you know that many department stores will currently charge you anything up to 30% interest on that little card they offer you? (yes, even those ones with the pretty pictures.) That''s around double the interest of your standard credit card!

Sound scandalous?

Well, hang around... it gets a lot ! worse!

Here are just a few of the pitfalls you should lo! ok out f or the next time you''re offered a store card...

  • Buy now, pay within the next three months. Sure...great deal if you do actually manage to pay it off within that time. If not, some stores will charge you interest from the first day you bought!

  • Ask questions: In a recent study, it was found that in one third of cases, information on the interest rate on the card (among other things) was not freely available.

  • Don''t be tempted to take out expensive and often useless insurance. This can be a monthly amount of 1.5%. With interest repayments of 30%, you could end up with an annual rate of 56%!

  • Also, steer clear of any payment protection insurance scheme. If you were to lose your job or couldn''t work due to illness or accident, you''ll find that this ''insurance'' generally only pays the minimum monthly payment, not the whole balance!

  • Be on your guard. Staff will usually ask you to fill in the applic! ation form in store. In many cases the insurance box will already have been ticked and you will simply be asked to sign up for insurance.

  • Study the terms and conditions carefully in the store. Staff have been known to refuse customers to take away the form.

Probably the worst thing about store cards is that it''s very easy to build up an array of them so that, before you know it, there seems to be more of them in your wallet than there are coat hangars in your wardrobe.

And in what seems like no time at all...

.. you''ve just spent way, way beyond your means!

If you feel you must buy on credit why not use a credit card with a low or even 0% rate? After all, if you''re going to have debts, you may as well make them cheap ones!

A store card might seem handy and convenient but they generally come with a horrendous hidden cost.

So next time you''re a tempted to take on another piece of plastic, make sure you get all the ! facts up front.

Your bank balance might just thank you f! or it.

Copyright © 2004 by Colin McCaig mailto:colin@cmcaig.com

About The Author

Colin Mc Caig is dedicated to helping others become debt free and start their own home-based business. Get his free 6-part mini-course. Learn the powerful secrets to becoming debt-free using only the money you have today. Send a blank email to: mailto:colindebtfre@demandmail.com', 127, 'Beware the Shopping Mall Monster, Credit, Credit articles, Credit information, about Credit, what is Credit, Credit Information', 'Beware the Shopping Mall Monster plus articles and information on Credit'


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1) Do your homework. Applying for and getting approved for a credit card is nothing more than legwork. Credit card contracts can sometimes contain onerous terms that might make you sorry that you signed up for the new card that you did. Read the fine print carefully. If a deal looks to good to be true, it just might be. Credit cards can be a great way to finance your purchases,! but make sure it''s not at such an expense that you end up paying for a long time afterward.

2) Read about the APR. The APR stands for "annual percentage rate". Yes, the APR of a credit card is important no matter what people tell you. A low APR for a credit card is more critical than you think. When you sign up for your new card, you probably are thinking that "hey, all I never miss a payment so who cares what the APR is?" The fact of the matter is, expenses come up. Unexpected expenses that you have to pay for no matter what. If your credit card''s APR is low and when those expenses arise, you will be in a better financial position when you pay it off. You would rather pay off your a credit card''s 4% on $1000 than 15% on $1000. This can make a world of difference.

3) Compare offers. Not all credit card offers are made the same. All credit cards that you see will appear to be physically similar (made out of plastic), bu! t these credit cards can often be worlds apart. Some offer rew! ard poin ts, sky miles, cash back, and bonus dividends, while most offer nothing at all. If you are going to pick a card, make sure you get the most out of it you can. Finding out later that you could have had 50,000 Sky miles when you actually got none can be quite a surprise. Compare offers, compare banks, and get the best credit card deal you can.

This article may be freely reproduced and distributed as long it is not altered and the link below is kept live.

Want to learn about credit cards? Visit http://www.thecreditcardlistings.com today.', 127, 'Do You Want to Get a New Credit Card at a Great Rate?, Credit, Credit articles, Credit information, about Credit, what is Credit, Credit Information', 'Do You Want to Get a New Credit Card at a Great Rate? plus articles and information on Credit


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So what do you look for when applying for a credit card for your small business? One thing is for sure, wasting money isn''t an ! option because it can make or break your business. Things to look for are low interest rates and good customer service.

Ask around for companies with good customer friendly service. Some will let you off late payments time after time while others will come down like a ton of bricks. You need them to be flexible as you never know when you may run into problems

Make sure you don''t go with one because of a low introductory offer. You want a long term one as you may not have time every six months to be jumping from one to another. Before signing up for one read the small print, remember it could save your business.

Look out for special bonuses companies offer. Some times companies such as Visa or American Express join with other companies to save you money on anything from shipping or office supplies

Here are two small business credit card options but look around for more and weigh up the benefits for each one

American Express Business Gold Card

? No annual fee for the first year

? No pre-set spending limit

? Save at known brands, such as Staples, FedEx and Hertz

? When you enroll in the Membership Rewards program, you earn points virtually every time you use your eligible, enrolled Business Card.

? Online Account Management

? Car Rental Loss and Damage Insurance

CitiBusiness® Platinum Select® Card

The CitiBusiness® Platinum Select® Card is the card built for small businesses and includes:

? A generous credit line
? Low rate on purchases
? Additional cards for employees
? Free quarterly and annual account summaries
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Debt is quickly becoming an epidemic in America. However, through the past 50 years, Ame! rica has not seen such large domestic growth. Its citizens have higher salaries now than their predecessors, yet personal debt continues to rise.

Why is this happening? I believe that the number one reason of increasing personal debt is a disease that I call thingitis.

What is Thingitis?

It is a disease characterized by the insatiable appetite of the common citizen to have more and more things in their home. As a recent newlywed, Iâ??ve seen this disease first hand with my loving wife. No matter how many picture frames, candle holders, and kitchen appliances that we received as gifts during our reception, my wife will continue to bring home more.

Thingitis is this constant craving for more. More clothes, larger cars, larger homes, bigger tvs. The effects of the disease are easily seen in the bank statements. With the larger homes comes the larger mortgages, and with the bigger tvs come the larger credit lines.

Why do people develop thingitis? I! believe that people develop this disease because of a general! decreas e in the appreciation of the things that they already have. Simply wanting something to own it has become a sufficient reason to purchase items now. It doesnâ??t matter if it wonâ??t be used but once a year, if that much. The pure ownership of the item has its one intrinsic value that is worth the ever increasing debt.

Unfortunately, thingitis is also incredibly contagious. This is â??keeping up with the jonesesâ??. As prideful citizens, our own self-worth decreases on the accomplishments of others. We also want what is best for our own children. If our neighbor sends their children to private schools, we feel an urging to send our children to private schools. Our children deserve everything that our neighborâ??s children have, right? What most people fail to realize is that their neighbors most likely have large credit debts that we wouldnâ??t wish upon ourselves for the world.

I believe that the cure for thingitis is two-fold. First, we make! a list of things that we need and want. Every item in the want list needs to be evaluated on a scale of 1 to 10 on how valuable it is, how many people it benefits, and how often it would be used. Items can be added to this list only 4 times a year. This way, whims are eliminated. Second, you need to clean out your garage, closets, and underneath your beds. The shear amount of things that you will find will disgust you! I have found no quicker way to eliminate my material cravings than cleaning through what I already have.

Finally, you can be able to overcome your thingitis by reading about the experiences of others. InDebtRelief.com has articles and a forum where users can not only tell of their own experiences about debt relief, but read about the first hand experiences of others.

Dan Goggins is an entrepreneur who is interested in real estate, computer programming, and family life. You can read about h! is experiences and advice at his website.', 134, 'Dealing with Thingitis, Debt-Relief, Debt-Relief articles, Debt-Relief information, about Debt-Relief, what is Debt-Relief, Debt Relief Information', 'Dealing with Thingitis plus articles and information on Debt-Relief


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Credit card companies make their money on the 85% of us who fail to pay the outstanding balance each month. Even if you are not in a position to pay the balance each month you can still save some money if use your card wisely.

Th! e first and most obvious way to save money is to pay the balance each month. However if this is not possible then there are ways to save money. Moving money from credit card to credit card to take advantage of interest free balance transfers and effectively borrowing money for free. Be sure to read the terms and conditions on each card before you transfer.

Pay your credit card bill on time and avoid late fees which can cost you up to $40 each time. Check the payment option and guidelines on your bill. The best method of avoiding late fees is to setup a direct debit for the minimum payment each month.

Keep a close eye on your fees and charges and manage them very closely. Check you balance statement every month. Avoid withdrawing cash from your credit card. These services will cost you from 2% upwards of the amount drawn.

So the bottom line is by using your credit cards wisely you can reduce adverse effects of credit cards and maximize the benefits by spend! ing wisely, using self-discipline, and paying off your balance! as quic kly as possible to avoid unnecessary fees. Credit Card Tips

(c) Noel Hynes, 2005. Reprint rights granted to copy and publish this article as long as the article and by-line are reprinted intact. ', 127, 'How to Save Money on Your Credit Cards, Credit, Credit articles, Credit information, about Credit, what is Credit, Credit Information', 'How to Save Money on Your Credit Cards plus articles and information on Credit


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Complaints about credit cards form a major part of the grievances rece! ived by banking ombudsmen in financial year 2008 (April-March), according to RBI's annual report on ombudsman schemes.

RBI introduced the Banking Ombudsman Scheme in 1995 to provide an 'expeditious' and 'inexpensive' forum to bank customers for resolution of their complaints relating to banking services. The nature of grievances ranged from the issuance of unsolicited credit cards and unsolicited insurance policy to the recovery of premium charges and annual fees, despite the cards being offered for free, and from the issuance of loans over phone, disputes over wrong billing and settlement offers conveyed telephonically to non-settlement of insurance claims after the demise of the card holder.

A general feature of the customer complaints across the board was the problem in accessing credit card issuers and poor response from call centres. Further, the central bank report on ombudsmen scheme said the card ! issuers often attributed their mistakes in billing, accounting! and rep orting to technical snags. However, the report said on pursuing the complaints with card issuers, the charges debited were reversed in most cases without exception.


Misrepresentation and misleading information provided by direct sales agents as well as non-fulfillment of such oral promises made by these agents or bank officials at the time of marketing of products lead to a number of complaints. Complaints relating to failure on commitments made ranked second among those received at the offices of the banking ombudsmen.


The cases handled by ombudsmen reveal that bankers need to deal with customers in a more transparent manner, particularly in making them aware of the terms and conditions of the sanction and the specific connotation associated with them right at the beginning. Rationality in product pricing by banks and their dealing with default! situations are other areas which require added focus, as complaints on these fronts continue to come to the ombudsmen, the report said.


During FY08, ombudsmen received 47,887 complaints against 38,638 received in FY07, a rise of 24%, and disposed of 89% of the total complaints (84% last year), with only 11% carried forward the next year.

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The rising default rate in the country is likely to affect the growth of the second largest card issuer in the country, SBI Cards. The company is expected to report a loss for the second time in a row.

In a recent report by credit rating agency, CRISIL, it was stated that SBI Cards & Payment Services Ltd is expected to report some more losses in the 2008-09 because of credit costs and lower fee income. Similarly, the largest card issuer, ICICI Bank has also been facing defaults that have been mounting in the recent past. As a result both the issuers have been tightening salary and other norms of their credit cards. SBI's credit checks have increased and the minimum salary criterion for issue of cards has been revised from Rs 1.44 lakh to Rs 2-2.4 lakh per year.

Defaults for ICICI have ! also bee n rising but the rate is still low. Sachin Khandelwal, Head-Credit Cards, ICICI Bank, said: "In 2007-08 the credit cards business grew by 20 to 25 percent. We had done 1.5 million cards in 2007-08 which has been reduced by 60 percent in the first 10 months of 2008-09. The credit losses have increased by more than 1 percentage point (of the spread between lending rates and cost)."

As on September 30th 2008, SBI Cards reported a loss of Rs 60 crore on total income of Rs 440 crore. During the last fiscal, SBI Cards suffered a loss of Rs 150 crore and it is expected to continue the trend. "We have consciously slowed down sourcing customers by more than 50 percent from a peak of 1 lakh cards a month last year to 20,000 to 30,000 a month now to ensure a good portfolio. It's a difficult market. We have consolidated this year and are better placed to tackle losses," said a senior official of SBI Cards.

In its latest report, rating agency ICRA said that SBI Cards would need to expand its capital in order to meet the regulatory norms.

SBI Cards is 60% owned by State Bank of India (SBI) while US-based GE Money has its control over the remaining 40%.

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SBI Card and Polo Club wrist watches have come together to give us to buy watches at 87% discount from the estimated market price of the watch. As you may remember the SBI card's previous offer on Polo Club and now they have come up with another offer/offers with their wrist watches. This offer is only valid through SBI Card. They are selling three special Polo Club watches with this offer.

The first watch is the Polo Club Swarovski Watch. It is a stainless steel watch with 36 pieces of Swarovski crystals. The estimated market price is said to be Rs. 6900 but with this offer of SBI Card you can buy it for Rs. 899.
The second watch ! is the P olo Club Multi-Dial Watch. It comes with dual time and leather strap and stainless steel case back. The estimated market price is said to be Rs. 5950 which you can get it for Rs. 799.

The third is the Polo Club Dome Watch. It is a limited edition designer watch with stainless steel case back. The estimated market price is Rs. 4650 but you can get it for Rs. 749 using this Time to Flaunt offer with SBI Card.

All the above watches are water resistant watches and comes with guarantee card, original box packing, and user manual.

There are no additional shipping charges or hidden charges, all the price mentioned above are inclusive of all.

You ca! n order the watches from www.watchpromo.co.in. You can also call 1800 22 4700 or 1800 22 8200 between 9 to 9 p.m. on all days to place an order. This offer is valid till September 30, 2009.


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Cibil credit card amounts write off is a condition, which happens after continuous 180 days of default of your credit card dues. Banks write offs your credit card account if you do not make the payment, which is due on your card for 6 months.
However, you will still keep on receiving calls from the collection agency but the account is written is a write off account. It indicates the bad history of a bo! rrower and it stays in your credit report for 7 years acc! ording t o the rules.

*Credit Card Default - Costs 7 year punishment


Here is how you can remove a credit card write off from your cibil report:


  • Well, a write off stays in your credit report for 7 years; but the banks have the power to upgrade any debt three times every seven years and this means that it can actually stay in your credit report for complete 21 years. But there is a way out to this and one can improve his/her cibil report by getting rid of this.
  • The moment you figure that you have a write off account in your c! redit report, you must immediately contact your lender. Your l! ender wo uld surely help you if you are showing interest in making the payment and would not treat you badly or as a bad customer. Get the total amount due on you r card calculated with the help of your lender.
  • You may require presenting the last monthly bill statements received and some other details of your credit card. Follow the instructions and give proper details needed. Your bank will now give the exact figure of amount that you owe to the bank.
  • Pay this amount and get a no due certificate or payment receipt from your lender. The process is not over yet. You will now have to call up your bank again and request them to update about the full and final payment to the credit bureau. You bank will now update this to cibil and within a span of 40 days, the write off will get cleared from your cibil report and the account would be shown as a normal closed account.
  • You can contact Cibil directly also, if your bank! does not co operate in updating the status to cibil and tell ! them abo ut your settlement by showing the payment receipt. After some clarifications and enquiries from the lender, the credit bureau will update the same in your report and your report will be clean.

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Let us put our ideas and ourselves in other people's shoes today, his name is Joe Johnson.

Joe Johnson is a data analyst for a large company he works hard and 9-5 $ 55,000 / year.

$ 55,000 / year amounts to $ 1400 per week after taxes.

His car lease payments are $ 300 per month.

His car insurance payments are $ 160 per month.

His apartment rents are $ 950 per month.

His grocery / food cost is about $ 200 per month.

BeInternet / TV / Mobile / Home Phone payments are $ 150 per month.

He let himself into a debt several years ago and has to pay $ 250 per month on his credit cards

Once all paid his bills, and he is fed, he is going over $ 790 left per month to the movies, go to the bar, buy gifts, etc., etc.

Even if this $ 790, if he saves $ 200 per month in a 4% savings account, in 5 years it will) $ 13,519.14 ($ 1,519.14 in interest. Not quite the down payment on a house that he soughtfor.

But now, some interest free money to throw into the equation ... actually, we explain how to get this free money.

Many credit card companies offer promotions on balance transfers with low interest, 0% in many cases. Everything you need to do is simply apply for a credit card to transfer a balance and ask for the maximum credit limit available to do. Let's be indicated by a large number, you are not going to spend t! his money andYou will not lose.

So let's say he ge! ts a vis a for $ 20,000. He may use the full $ 20,000 for a balance transfer, and must be at 0% for the first 12 months to pay.

Ie 1 January of each year (only things) keep it simple, it shall provide the full $ 20,000 into his savings account 4%, and at the end of the year, he makes $ 800 in interest free. 31 December, he pays the $ 20,000 and $ 800 sheets on the account.

In 5 years, theSave $ 200 / month + the $ 800 per year of interest in balance transfer, Joe Johnson has now accumulated $ 18,025.52 (or $) 6,025.52 in interest.

The even greater thing about this trick, every year should increase your available limit. You will probably need to familiarize yourself with the various card companies. Let us take an example of a $ 50,000 balance transfer.

$ 50000 @ 4% interest = $ 2,000 / year

$ 200 / month + $ 2,000 per year, compounded at 4%per year in 5 years = $ 29,011.77 ($ 17,011.77 in interest)

! Perfectly legal, incredibly easy to improve your credit, increase equity. Everyone should do that - unless of course you do not have the discipline not to touch the money.



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