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.

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.

Make Money Online Fast – Pull in Thousands of Dollars Fast Today!

As we all know the financial meltdown has impacted everyone in some way or the other. All of a Sudden our budgets are going out of control needing us to search for new ways to boost our income. The internet offers lots of opportunities to make money online fast and all from the comfort of your home. Use these 3 sure fire methods below to unearth those additional dollars.

1. Making money with eBay

If you are looking to make some extra cash online without starting a business, eBay is the answer. To allow you to money online fast using e-bay you must grasp its system in detail. Using just a home computer and the internet, this could take just two days. As soon as you put to work the system, you will realize how easy eBay actually is. Be sure to remember eBay provides more than merely buy and sell opportunities.

2. Create reviews

Lots of people are searching the internet looking for product reviews, website reviews, car reviews etc. Using a simple awareness of the English language, you could begin writing reviews and make money online fast. A number of opportunities compensate you on the day which you posted that review. Choose the sort of reviews you would like to create and create an expert status around that.

3. Forum posting

Very alike to writing reviews, forum posting is a highly profitable action, whilst you are searching for ways to make money online fast. Lots of online forums are desperate for content. You need to unearth forums that appeal to you or those that you have a certain expertise in. Search through the freelance job postings and you will discover people searching for you.

Ten Reasons You Can not Lose Weight

You may be among many who have attempted to lose weight many times yet remain unsuccessful. You might be thinking, "If only I had the secret!" If you are frustrated, take a look at why weight loss comes difficult. Here are ten pitfalls that slow down or halt the process:

1. Fat Overload . We need protein, but often the sources of our protein are also sources of fat. Fat has nine calories per gram. It is wise to choose foods with unsaturated fat and eat cleaner proteins, such as soy products and whey protein powders.

2. Sugar Overload . By eating candy, cookies, and breakfast pastries, and drinking juice, we tend to consume a lot of empty calories, which digest very quickly in our bodies. The excess gets stored as fat. It is better to satisfy our sweet tooth cravings with fruit.

3. Water Deficit . Water is a miracle nutrient. It can help us to lose weight. Many times we feel hunger pangs and think we are hungry, but our bodies are really telling us that we are thirsty. Water satisfies our cravings and makes us feel fuller.

4. Soda Pop Overload . Many people try to quench their thirst with soda pop. This contributions to the many empty calories that we consume each day. And why put all those chemicals in your body anyway? Switch to water.

5. Alcohol Overload . Alcohol has 7 calories per gram. One 12 oz. bottle of beer has 180 calories. A 24 ounce beer has 360 calories. Your body will break down alcohol calories before it breaks down carbs, fat, or protein. Drinking only one serving a day and counting those as calories is very important.

6. Condiment Overload . It is really important to count condiments in your calorie counting. How much mayonnaise or ketchup are you putting on your chicken sandwich? Yes, and pickles have calories, too.

7. Meal Deficit . It is a whole lot more fun to eat six times a day then three times a day. Eating more often raises the metabolism and improvements digestion, because we consume less food at a time and are able to eat more in 24 hours.

8. Skipping breakfast . Never skip breakfast. You may be eating less food, but you are also slowing down your metabolism. Who wants to drag all day?

9. Burning too few calories . It is difficult to lose weight by only dieting. Exercise is essential. So get on those running shoes and go for a thirty-minute walk every day. Weight training can also really accelerate your weight loss efforts.

10. Lack of goal setting . Weight loss takes time. One should lose only 2 pounds per week at most. It is there important to set short-term and long-term goals so that you can celebrate as you reach miles and continue this lifelong journey.

Now, it is time to throw out all of those negative results and get some positive ones. Get excited, because you are about to begin a successful weight loss journey.