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.

What Type of Fire Alarm Do I Need and Where Should I Put It?

It is probably quite evident that there are a number of fire alarms available, and at vastly varying prices, so it may be very difficult to understand the differences between Optical, Ionisation and Heat alarms. This guide is aimed at taking some of that confusion away.

So what is the difference between the models?

As stated above there are three types of alarm, each with its own uses.

Optical Alarm: This type of smoke alarm typically uses an infrared beam between two points, the alarm being triggered should the beam be disturbed. In much the same way as a criminal might trip an alarm when breaking into a bank vault or museum in the movies, if the beam is broken, the alarm will go off. It detects larger smoke particles best.

Ionisation Alarm: These alarms use 2 small plates (one charged positively, one negatively) and an alpha particle source to create a constant current running across the gap between the plates. When smoke enters the chamber it interferees with this process, interrupting the charge. When the charge drops, the alarm goes off. These alerts are best at detecting smaller smoke particles.

Heat Alarms: A heat alarm will trigger if the room temperature reaches a certain level. They do not detect smoke, and are not to be used as a substitute for a smoke alarm, but should be used in assisting these alerts for greater fire detection.

Why do we need different types of fire alarm?

Different types of alarm exist due to the different types of fire. Believe it or not, fires act in different ways depending on what is burning, and is important to identify the fire as quickly as possible. Different alerts are better at discovering different fires, and choosing the right alarm for the right room could save your life one day.

Fires can be particularly smokey, often caused by the burning of papers or clothing etc, and burn rapidly, producing smaller smoke particles. The Ionisation alerts are better at detecting these fires.

Other fires can be a lot less smokey, often being harder to detect, and are caused by the burning of carpets, sofas or electrical devices. These fires tend to burn less quickly, producing larger smoke particles. Optical alerts will be better at detecting these fires.

Which fire alarm do I need?

This article is meant as a general guide, and for more detailed safety advice it is highly recommended that you contact your local Fire Service. This being said, the information below should help you decide.

  • Optical alarm: Living room, dining room, hallway
  • Ionisation alarm: Bedrooms, walk in wardrobes
  • Heat alarms: Dusty areas such as garages, unconverted lofts etc where the dust could interfere with the other alarm types.

Alarms are available as either battery operated, or mains operated with battery backup. The mains alarms will continue to work for a time after power is lost to the unit, but only as a backup. If this is the case, mains should be restored to the unit right away, or the battery changed.

Some alerts even come with the option of interconnectivity, meaning if one alarm sounds, then all the alarms sound. This is highly useful in larger properties where one alarm may not be heard by everyone. The idea is to raise the alarm to everyone right away – as soon as a fire starts – and having the alarms linked together will achieve this.

Fires are responsible for a large number of deaths each year, as we all know from the adverts broadcast on television or radio. This is a fact, and can be greatly reduced by just checking your alarm to be sure that it works, and that it is the correct alarm for the location it is placed. Be aware that alerts need replacing after a certain amount of time, and it is worth checking on the unit and to note the replace by date. If you are unsure, check with your local Fire Service.

How to Know If a Woman’s Attracted: The 5 Signals

Maybe she’s that waitress at the local cafĂ©. Or maybe she’s a coworker or classmate or even the friend you’ve always secretly had a crush on. Regardless who she is, if you like her, then you want to know if the feeling’s mutual.

Lucky for you, all women give off signals when they’re attracted. Most guys never pick up on these signals. If you don’t know what you’re looking for, you could easily overlook these secret signals, as well. And you probably already have. You have probably let countless women slip through your fingers in the past because you failed to see the signals.

But you’re never going to make that mistake again. By learning the 5 most common-but least understood-signals of female attraction, you are prepared to get the girl. Just look for 1 of these 5 signals, and then make your move. It’s as simple as that!

1.) She says your name a lot in conversation

If you find a woman saying your name in conversation, there’s a good possibility she has feelings for you. When someone has feelings for another person, the sound of that person’s name gives them a little emotional rush. (Just think of children in the schoolyard writing their crush’s name in their notebooks!) While adults don’t skip around the playground and chant their crush’s name, they do unconsciously say it whenever they can. So if she says your name a lot, there’s a good chance she’s attracted to you.

2.) She fidgets with her hair

When a woman plays with her hair, it often means she’s turned on. It’s a grooming reflex: primate females groom themselves for males before mating. (If you want proof, just go to your local zoo!) Thus, if you catch a woman stroking her hair as she talks to you, it means you’re probably arousing her interests.

3.) She breaks eye contact first

Poets say the eyes are the windows to the soul. Well, her eyes are also a window into her feelings. It’s a well known fact that eye contact signifies confidence. And confidence is nothing more than comfort in one’s status. So, for example, if you were training some new entry level employees at your job, then you’d probably feel very confident in holding strong eye with all of them. If, however, you were having a business with your boss’ boss, then you probably wouldn’t feel as comfortable maintaining strong eye contact (since your boss’ boss has higher status). Likewise, if you notice a woman continually breaking eye contact first, she’s probably nervous with attraction for you.

4.) She gets carried away with emotion sometimes around you

A major misconception most guys have of women is that they need to “like” you to feel attraction. Just think of all the bad boys who do amazing with women! Now, you don’t need to become a “bad boy” just to attract women; however, you shouldn’t be discouraged is a woman isn’t always in a peachy mood around you. In fact, it’s better if she’s not! A woman would never waste her emotions on a guy she didn’t like. So if she sometimes gets frustrated with you or even angry at you, it’s a good thing.

5.) She speaks in the future tense about you

Here’s a very subtle-but very powerful-attraction signal that women give off. If a woman’s interested in you, she’ll make comments about seeing you in the future. It’s important to note that none of these signals will be overt; instead, they’ll be little offhanded comments like, “Are you going to x, y, z event next week?” If a woman is asking such questions, it’s a telltale sign that you’re on her mind.

Internet – Is Online Tutoring A Good Internet Business For Me?

The internet houses an amazing array of home biz opportunities, but the difficulty has always been finding the right one to fit your time and talent. You can’t always see the wood for the trees in the options available. One of the least advertised is online tutoring. If you are a teacher in a particular subject, or someone with specialist knowledge and looking for a home business, I would like to explore ‘is online tutoring a good internet business for me’?

Traditionally, home tutoring has been a laborious and demanding profession. Without the buzz and interaction of the classroom, working one-on-one can lack the spark and stimulation of group activity. The result has been the tutor’s challenge of keeping his pupil constantly engaged, as well as moving his grades onwards and upwards.

Fortunately, technology has spawned a new classroom – the internet! No longer tied to traditional methods of teaching, home tutors can contact many students at the same time, and with a much less punishing schedule. Once your lesson is up – it can be dispatched to multiple destinations. Teaching over, you can turn your attention to other tasks and simply wait for the homework. So, is online tutoring a good internet business for you?

1) who can do it? People suited to online tutoring include anyone with expert knowledge in specific subjects or specialist skills. You should enjoy helping students learn and have regular time slots to be available to your students. This is especially important to consider if you have another job or need to learn new skills to set up your own internet business.

2) What do I need? If you want to be an online tutor, you will require a degree or college certification. Online tutoring companies ask for degree certificates, and if you are starting your own internet business, students need supporting evidence of your accomplishments. A basic understanding of the internet is needed to be able to teach via webinar and send and receive lesson material to students. You will also have to undertake a criminal background check.

3) How do I Set Up? If you want your internet business to be freelance, join an agency for part-time online teaching options. Basic training of interactive methods is given and students will either be given or you will need to find your own. Check out Universal class, Home Tutors.org or Tutor.com.

To start your own internet online tutoring business, you need to know how to set up your own website, organise webinars or Skype sessions, publish and upload your lesson material and know how to advertise your service. These skills can be learnt from any of the internet centres that offer a coaching programme.

I hope I have given you a good idea of the internet, and whether online tutoring is a good internet business for you. To see some of the actual training provided by one of the top internet mentoring centres, make yourself a coffee and check us out. Not only will you have access to training theatres with 800 hrs of teaching, you will also be given your own free business to start today.