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Debt Consolidation is often a sensible decision to reduce financial pressures. People opt for Debt Consolidation when they feel that their finances need to be controlled in a more organized way, but certain factors are kept in mind before signing up a debt consolidation.

10 Debt Consolidation

1. Why do want to consolidate debt?

The idea behind debt consolidation is to take out a single loan and use it to repay all existing credit card debts, loans and overdrafts. This act normally results in lower payments which are spread over longer term but before you process with debt consolidation, its better to consider another alternative.

2. Sell assets to clear your debt

Before rescheduling debts, do check out if there is any other way you can repay some or all of your debts. For example, sell unwanted valuables and other items.

Depending on the item you intend to sell, advertise in local classified advertisements or through websites. You can sell books through Amazon. If you own your own home, then you can even consider downsizing it to release equity, if your debts are very high.

3. Pay more than the minimum off your credit cards.

If you are able to pay more than the minimum monthly payments, you should give priority to continue with your existing credit cards and clear the debts over the next 12-18 months.

This will restrict your spending in other areas but it is the cheapest option in long term basis. You may still go for debt consolidation to manage your debts easily.

4. If currently you are managing to pay minimum monthly payments only through credit cards, or your total credit card debt is increasing each month, then debt consolidation would be the better choice. There are a number of options when considering debt consolidation.

5. A mortgage or re mortgage

If you are the owner of your own home, then it’s possible to obtain some lowest interest rates by taking out new mortgages to pay off your existing mortgage (if any) or other debts.

If repaying existing mortgage results in penalty charges, consider a second mortgage with your existing lender. There is a possibility that the interest charged won’t be that high.

6. Take out a secured loan with another lender

If payments have been missed or delayed and your credit score is too low for your mortgager, then find another lender who can give you a secured loan.

In such situations, secured loans are costly and the lenders are also quick to repossess your home if payments are missed. Only opt for this method when you are sure that you can make the repayments.

7. Loan secured on assets

If you possess an expensive car, boat or plane then there is a probability that you can get finance using these assets as security. Interest rate would be high in comparison to a loan secure on property. If you don’t own a property, or if it’s fully mortgaged, then securing a loan on other assets could be a choice.

8. An unsecured loan

If you don’t possess any sort of property or assets then unsecured loan could be the choice. It’s usually over a shorter term, a maximum of seven years but occasionally longer. As a result the monthly payments will be higher but the debt will reduce quickly.

9. Credit card option

If your debts are low and your credit history is also reasonable, then think about applying for another card with a 0% or low interest balance as an alternative to a debt consolidation loan.

There is always a 2-3% charge on the balance transfer, so be aware and cut up all your credit cards and close paid off accounts so that you don’t slip back into debut.

10. Check all the options before making a decision.

As one researches all available options for debt consolidation, the most suitable becomes obvious soon. For some, more than one option could be taken up, so it it’s essential to check them all. For many individuals debt consolidation is an ideal solution to help reduce excessive credit card debt. Once all debt problems are solved, one can have an enjoyable and a more relaxed life.

That was all about debt consolidation.

1. Google

The value of this brand is estimated at about 66 billion dollars and is certainly the most powerful brand in the world. This search engine was launched by Sergey Brin and Larry Page in 1996. Google is famous for its exceptional new ideas and amazing growth rate. Google has turned out to be so large that the word is found in dictionary.

2. General Electric

The second most powerful brand in the world is said to be General Electric which has been valued at about 61 billion. GE looks into several fields which include industrial technology, information technology, financial services, oil, films and much more. GE is much admired in India also.

3. Microsoft

Microsoft Corporation earns about 44 billion dollars every year and its brand value is about 54 billion dollars. Bill Gates is the owner of this brand which was founded in 1975. Microsoft provides jobs to over 75,000 people across the globe and Gates is admired by business rivals.

4. Coca-Cola

This brand has been valued at about 44.134 billion dollars which constitutes it the fourth most powerful brand in the world. The company was established in 1892 by Asa Griggs Candler. It was later bought by Woodruff and Bradley. Though it may not be the most powerful in the world, yet it is certainly the most recognized.

5. China Mobile

This brand has been valued at about 41 billion dollars and is the largest mobile operator of the country. It has over 290 million subscribers and its gross value is almost as much as Vodafone every year. China Mobile is tremendously popular and the largest in Hong Kong.

6. Marlboro

Marlboro is estimated at 39 billion dollars and is certainly the most popular cigarette brand in the world. The brand has obtained exclusive control in the industry with its well-known commercial and publication advertisements.

7. Wal-Mart

The value of this brand is almost 36 billion dollars. Wal-Mart is the largest dealer in the United States of America and also disposes of the largest number of toys in the country. It was initiated in 1962 by Sam Walton and became a part of the stock exchange 10 years later. Now the owners of this company are his widow, his daughter and three sons.

8. Citi

Citi has a brand value of about 33 billion dollars and was established in 1998 after a 140 billion dollar merger. This company succeeded to its ownership by Primerica in 1993 and is famous in the world for being the first- automobile policy, space travel policy as well as commercial airline policy. The company’s name changed to Citibank during 1970s and Charles Prince is the CEO today.

9. IBM

IBM is operating in several countries and deals with computer technology. It has its headquarters in New York and has about 350,000 workers all over the world. IBM was launched during the latter half of the 1880’s and became a part of the stock exchange after 1915.

10. Toyota

Its value is about 33 billion dollars, which makes it the 10th most powerful in the world. It is a Japanese company and the world’s largest automobile manufacturer of buses, automobiles, robots and trucks. Its headquarter is in Aichi and produceded about 179 billion dollars revenue during the year 2006. The present chairman is Fujio Cho, and Katsuaki Watanabe is the CEO of this business.

American Idol is a reality show that has a quest for the Best Singing ability in America. It made first public appearance in 2002, and was named as American Idol: Probing for a Superstar, it is a reciprocally active faculty show. American Idol has been rated number 1 in recognition which can be estimated from the quantity of votes of the competitors obtained via SMS and phone calls. It has been played for a large period and has continuous popularity till now. Randy Jackson, Simon Cowell and Paula Abdul are adjudicators of the show.

2. True Blood

True Blood is originated from The Southern Vampire Mysteries series of novels. It is based on mutual survival of Vampires and Humans, in a town called Bon Temps. True Blood concerns with Sookie Stackhouse, a waitress who loves a vampire, Bill Compton. It is now being running its third season.

3. Grey’s Anatomy

Grey’s Anatomy is a Medical Drama. It depicts the life of interns, residing doctors and their advisers at Seattle Grace-Mercy West Hospital. Its first performance was made in 2005, and the 7th in 2010. Its first event was viewed by 16.5 million people. It has secured Emmys and Golden Globes. The actors of Grey’s Anatomy show are culturally different and indicate feelings that people observe in tough surroundings like a hospital.

4. 24

It is concerned with federal agent Jack Bauer. Each episode demonstrates one hour in the day of Agent Bauer. 24 was shown first in 2001, with Bauer as a part of Counter Terrorist Unit (CTU), and the story is like a political adventure. In its several episodes, Bauer is endeavoring to undo terrorist intrigues, nuclear, biological dangers, and cyber assaults. This TV series has secured many awards for the longest shows on television.

5. House

The show, also named as House M.D is a medical Drama which was first performed in 2004. House moves around Dr. Gregory House, who is leader of group of doctors of diagnosis at the Princeton Plainsboro Teaching Hospital. Dr. House often disagrees with his boss, the hospital administrator and Dean of Medicine, over reasoning. House is significantly admired, and is viewed in more than 66 countries. It has secured People’s Choice Award, a Peabody Award, two Golden Globe Awards, and four Primetime Emmy Awards.

6. Desperate Housewives

Produced by ABC Studios and Cherry Productions, Desperate Housewives is put in the neighborhood of Wisteria Lane, in the town of Fairview in the Eagle State. It pursues the actions of a cluster of neighboring women of their endeavors for family, and keeping secrets simultaneously, with perfect appearance of life. With its first performance in 2004, Desperate Housewives has won Emmys, Golden Globes and Screen Actors Guild Awards. It has been immensely admired by audience of 120 million worldwide.

7. Dexter

Dexter is based on the novel Darkly Dreaming Dexter by Jeff Lindsay. The show depicts the life of Dexter Morgan, who is brought up by Miami Police officer Harry Morgan. Knowing that Dexter has an aggressive character, Harry wants to use his negative power positively. Dexter is trained to kill the assassins who deserve death before they kill others. Harry reveals Dexter ‘The Code’ where he can cover his paths. Dexter also works as a blood splatter analyst with the Miami police.

8. Prison Break

Making its debut in 2005, Prison Break is concerning with two brothers. One is imprisoned for a crime that he did not perpetrate and the other plans to help his brother for escape. The series was compiled by Adelstein-Parouse Productions and 20th Century Fox. It was immensely admired and has won the People’s choice award, Best Drama Series and Golden Globe award. All the four seasons of Prison Break have been produced on DVD.

9. Lost

It was shown from 2004 to 2010, depicting the lives of people survived after a plane crash and trapped on a strange island in the south Pacific, as well as some other stories in their lives. The series came to an end in 2010. Lost was made by ABC Studios, Bad Robot Productions and Grass Skirt Productions. It had 15 million viewers per episode.

10. Heroes

It is TV series of science fiction fantasy about ordinary people who realize that they have exceptional qualities. The producer uses short stories with many different events. Produced by Tailwind Production and Universal media studios, Heroes is filmed in the city of Los Angeles and has completed 4 seasons till this date. The first season had 14.3 million on-lookers and since then its popularity has been leaping forward. It has won the Emmy, Golden Globe and People’s Choice awards.

Due to loss of job, salary curtailing, removing bonuses and decreased 401 (K) matching contributions, your income is becoming smaller, but the bills are not.

If your usual occupation is not bringing you sufficient money or you have relinquished your job for good, the following points can help to earn some money until you stand on your feet.

Here are 10 tips for earning some extra cash:

1. Do casual work

Felice Premeau Devine left her profitable, full-time job two years ago to elevate her son. In short term, she chose to writing and editing self-employed work and launched a blog, and she is capable of earning some money from advertising.

At the present time, any job can be performed on an agreement or part time basis. Sites like Sologig, lead the seekers for jobs to make contract, consulting, freelance, and part-time projects opportunities according to your working.

2. Sell your books

If you are a college student or you are keeping college textbooks for reading them again in future, choose sellers like Barnes & Noble to sell your textbooks for immediate cash. Or, get some ancient books from your personal library and sell them at a local second-hand bookstore.

3. Search circulating coins.

Susan Headley, the “guide to coins” on About.com, is a lifetime coin collector who has been increasing her income by searching through circulating coinage for the past six years. In 2008, she made about $2,500 and so far in 2009, she has earned almost $500 from coins.

She says that people who search circulating coinage effectively, as a side business, they do so in a very large quantity. They purchase bundles of coins from banks, usually in complete boxes, and sort out things. Headley says. Half dollars, for example, were no longer made from 90 percent silver after 1965, but they still had 40 percent silver in them until 1970; either of these give a nice profit. Presidential dollar errors can be worth $50 to $5,000 each. Un-circulated state quarters can sell from $10 to $50 per roll; and rare error coins can value up to $35,000.

4. Start a “business”

Convert your hobby, skills or expertise into a part-time business. Sites like Jobvana can help you do so by supplying you free devices for marketing, and give particular knowledge for the needy.

Peter Olson says he made a sketch in September 2008 to teach guitar lessons. He obtained two students, earning about $240 extra dollars per month and totaling about $1,000 since he started teaching.

5. Enter local and online sweepstakes.

Wendy Limauge has been entering sweepstakes since 1993 and teaching others to win through her Web site, Sweeties Sweeps, since 2002. Though winning sweepstakes rarely gives actual money, her winnings have constantly furnished her and her family with 200 to 300 prizes a year, with several big things she and her husband could not purchase through their incomes only.

She has won prizes which include three TVs, two of which are flat-screens; a home theatre system; three dishwashers, each won on different occasions; at least $1,500 in grocery gift certificates; an $18,000 voucher for the motorcar of her choice; a trip to France valued at $25,000; and, in March 2009, she won $5,000 in an instant-win game.

Limauge says that”The Internet has so many choices for saving money, getting something for free, winning a prize or earning money from home”. You need to find those sources that proffer supportive information and point out the correct way to make you start and act accordingly.”

6. Give your opinion — and get paid

Linda Childers, a California-based casual writer, says that many of her friends take part in focus groups. Devoting one hour of your time can earn for you up to $100, or even more. Online surveys, phone surveys and product trials can also earn you from $5 to $150. Check out Free Paid Surveys or FindFocusGroups.

7. Sell your junk

Terri Jay earns $2,000 – $3,000 every month just by selling useless items. On eBay, Jay not only sells things that she is not using but also she hits up local thrift stores on 99-cent days, garage sales and tack sales, searching things for which she knows the value. She says her best sale was for a drink tray from the 70s: She paid 25 cents for it and it was sold for $87.

She advises that “The trick is to [sell] what you know”. So, you can list them [at correct prices] to be picked up in searches [on eBay].”

8. Join a direct selling company

Direct selling is the easiest method to earn extra money, particularly if you sell products that you love. Avon, for example, allows you launch your own business for $10. It depends on your hard work. Few full-time representatives earn six-figure salaries, others own licensed Avon Beauty Centers and many of them sell Avon part time as per their family’s schedules.

Haizel MacIntyre started her Avon business in June of 2008 to earn additional income to her full-time job when her husband was discharged from service. Since joining Avon, MacIntyre earns average $1,800 per month in sales and her husband is helping her in business. Her Avon earnings pay the bills, provide funds for her three kids and she is anticipating enough earning for college tuition when she joins school to obtain her Masters in Social Work.

9. Be a secret shopper

Zippy Sandler says, With ardent eyes for details and a good memory are necessary succeed as a secret shopper, who has been mystery shopping for about 13 years. After registering with a secret shopping company, you are remunerated essentially to move about and report to company’s operation from the public opinion.

Sandler was determined to begin secret shopping not only to earn money eating, traveling and shopping, but also to learn customer service skills to teach the employees arranged at a retail store. Depending on the customers she is shopping for, Sandler says she has earned from $100 to $2,000 per month.

10. Sell your photos to stock agencies

If it is your hobby as a part time or an experienced photographer, anyone can offer their photos to stock photo agencies like Shutterstock.com. If your images are acceptable, they will be accessible for download by subscribers. Every time someone downloads your photos, you earn 25 cents.

2. You can also make a good purchase from July to October because at that time dealers are endeavoring to sell all their stock to make space for the new models.

3. To purchase a car online is becoming a great way to obtain a new car. Only wait for good deductions and concessions online and shop around. Print out your information from the best quotations and take them to the dealer for your choice. To bring lower quotes from another company might be your best expectation in getting a good transaction.

4. If you desire to get new prices, dealer concessions, and best discount offers, you should visit FightingChance.com The site is the first place that You might get good advice for buying a car. It is more useful than the Kelley Blue book. This plan for buying new cars can exactly spare thousands of dollars.

5. Bring a copy of your credit score with you. It can lower your profit rates on your car loan. Your car dealer might not know much about that.

6. You can evade an ordinary trick that dealers play. You will often hear that your financing failed and that you have to react by paying more money on your loan. Do not believe it. It is a good reason for you to obtain a copy of your credit score.

7. Another frequent trick by salesmen is to tell you that they have found for you a lower rate, but that they want you to give up your loan papers. Generally, that is a absolute lie. Once they check your financing information, they have control if you do not know the particulars about your credit information. You can get a copy of your credit information online at equifax.com for about $10-$15. It is better to pay $15 than thousands later.

8. Do not introduce to exchange your car in part payment for the other if you still owe money on it. The dealership seldom pays the rest of the loan in time, which results more payment of late fees to the bank. If you choose to bring a car in that you owe money on, obtain a written statement from the dealership that they will submit the balance within 10 days.

9. When a dealership may order the car directly from the dealership, they will require you to pay $500-$1000 for a deposit. Do not pay more than $500 and pay with a credit card as the dealership may tell you that there was a price increase and will want more money. If you pay by check, you can just consider the money lost.

10. You should never purchase a car in desperate need, because a dealer will notice that and take benefit. You should give yourself time to shop around for one and get the best transaction.

Here are top 10 car problems which the motorists face during their driving.

1. Flat tire

It is a common problem which can be fixed easily if you have good tools and a sense to tackle with.

2. Exhausted battery

In order to avoid disappointment in the time of need, it is quite necessary to obtain a new battery in place of old one, which minimizes the ignition problem.

3. Ignition problems

Due to some ignition problems, the car will not start. This causes a lot of anxiety and wastage of time, putting the driver in haphazard situation.

4. Liquid leaks

Leakage of oil, leakage of water in coolant tank, and leakage of brake fluid etc. can cause problems if they remain unnoticed and not replenished in time. Ignoring them can aggravate the situation, as oil finishes, engine is heated up and brakes do not work.

5. Electrical problems

These problems arise due to lights failure, electrical wiring burnt and dim or insufficient light. Which are also a serious problem for the driving persons.

6. Sensor problems

Due to dirty wind, humidity, chill and warmer conditions, the sensors cause many electronics problems which should be set at proper time.

7. Bad twisting belt

It gives noise that causes anxiety for you. Though it is not so serious problem yet it can create disturbance.

8. Car lights failure

The headlight bulbs are noticed easily if burnt out, the other lights are less important, though they also can cause haphazard.

9. Cracked windscreen

When the crack happens, get it replaced briskly otherwise it can put you in great danger.

10. Faulty doors and dents

Body scratches and minor dents look awkward and faulty doors can bring you a lot of inconvenience. So, get it repaired well in time.

1. Mobile Checkbook

This useful app provides you with the knowledge of your bank accounts and credit card accounts. You do not bother to include any thing in the main record of accounts.

2. MiBudget

With this app for the Blackberry, you can prepare a financial plan and remain fixed to it, because it is beneficial for individual and business utilization and can be personalized.

3. Stocks +

Stocks + facilitates you to trace your supply and the stocks for which you consider to make investments. By use of this app, you need not to search online or in the documents to identify your stock position.

4. VQ Mileage Tracker

Keeping knowledge of fuel consumption you can assist yourself to modify your driving habits in a much better way for the sake of saving your money.

5. Mortgage Payment Calculator

This calculator provides statistics in every aspect and reveals your monthly payments in order to facilitate you for buying a house.

6. Currency Exchange Rates

While you travel abroad, you want to be informed about the exchange rates and this app ascertains currency of more than 120 countries.

7. Bill Log

This app supplies you with a complete record of your monthly bills. When you operate the reminder function you are informed about the due date every month to avoid unnecessary overcharge.

8. ChargeBerry

You need not to wait or to proceed to the office to perform payment for a credit or debit card. You can operate credit cards straight from your Blackberry

9. My Time sheet

If you require to keep a check on record of your working hours while at work, you can use this app to avoid in and out problems.

10. Credit Card Manager

Using this app you can keep record of all of your credit cards and payments along with the balance available for your further use. Managing money does not have to be a chore when there are so many great apps for the Blackberry for this task. You can keep track of every aspect of your finances all in one place whether you are at home or on the go.

Hardware

1. Screen Size

Tablet PC is smaller in size as compared to a desktop computer and well proportioned more than a laptop computer. They are manufactured in various dimensions which are 5 inches to 10 inches, but the preferable size is 7 to 8 inches.

2. Screen Type and Resolution

It is more adaptable than a notebook or laptop with a touch or multi touch screen monitor which can be used to reduce and expand images and web pages. Since it is completely touch screen it does not require a keyboard for typing a character when editing or to click the icons on the screen.

Also, this apparatus has varied screen resolution and most of them are with 800*480 pixels and some have 1024*600 pixels.

3. Processor

The processors are of different models like: TI OMAP3 CORTEX A8, TCC 8900, Rockchip RK2808, Telechips TCC8900, Telechips TCC8902, ZT-180 (ARM Architecture), VIA MW8505 and many more. Most of these processors have clock speed that varies from 600MHz to 800MHz.

4. Memory

An Android tablet PC has a RAM of 256MB with a support to extend memory via SD, like the Herotab RK7 that supports extended memory via SD up to 32GB.

5. Network Adapter

All of the Android tablet PCs are WIFI ready and most of them are incorporated with an 802.11b/g wireless network adapter with a range of 100 ft to 150 ft.

6. Battery

Most of them possess an integral li-ion battery which facilitates us to browse the screen from 5 hours (WIFI off) to 6 hours (WIFI on). But there is also a new tablet PC which has detachable battery, with Witstech A81E that is run by the newest Android 2.2.

7. Weight

This characteristic makes it more multipurpose than laptop or notebook computer because they are design to be a perfect mobile companion that weighs less than 1 kilogram. (Example: the Witstech A81E Android 2.2 weighs 0.39kg).

SOFTWARE

8. Operating System

Presently, the largest selling mobile operating system is Symbian OS, and smaller competitors comprise of Android, Blackberry OS, iOS and Windows Mobile. In the mid of 2010, the smartphones working under Android operating method were classified first among the smartphone OS.

 The prime advantage of Android OS is that it covers a large number of people writing application plan that widens the performance of the tools operating with Android OS. It is anticipated that there are almost 70,000 obtainable applications for Android, which renders it the 2nd most famous mobile improvement. Android OS versions are: Android 1.5 (Cupcake), Android 2.2 (Froyo). Android 1.6 (Donut), Android 2.1 (Eclair), while some Android Tablet PC works with Windows CE 6.0 (dual boot with Android OS)

9. Application Programs

By using tablet PC you can edit documents in MS Word, Excel, Powerpoint, read PDF file, and several other programs provided with an internet browser. If you desire a multi purpose tablet PC, the best selection are the designs which are performing the Android Operating system because it has more than 70,000 downloadable applications.

10. Multimedia Player

The tablet PC supports the well known and ordinary Video and Audio formats like – MP3, WMA, FLAC, AAC, AC3, OGG, AVI, MPEG4, MPEG2, WMV, RMVB, FLV, H.264 etc. It is also well suited with image formats like JPEG, PNG, BMP and GIF.

There are several free Android weather apps available in the Android market, which can be selected according to your taste and requirements. Here are Top Ten best free Android weather apps mentioned below.

1. Weather

It is very simple, prompt and reliable app for weather prediction as it is appropriately named and is improved by Michael Bachman.

2. iMap Weather

This app furnishes radar descriptions and predictions of weather. It also provides exhaustive existing weather situations, local and international, depicting astonishing demonstrations.

3. Moon Phase

It is a free Android weather app which is built up by Udell Enterprises, Inc,. It clearly illustrates the specific stages of the moon for particular statistics in an efficient manner.

4. Snowstorm weather widget

Snowstorm weather widget furnishes you with predictions concerning snowstorms etc. It is very useful during snow season being a specific free Android weather app.

5. Radar Now!

Radar Now! is an efficient choice to exhibit the existing weather through radar, as it is a brisk and plain free Android app.

6. AccuWeather.com

The AccuWeather.com app is grand for obtaining worldwide weather forecasts. It is a GPS-based weather update app to ascertain exact and dependable information about weather.

7. Weather Widget – Free

It is very useful free app to obtain quite satisfactorily the brisk and trustworthy weather updates and it will perform everything for you and will be a good addition to your Android phone.

8. Weather Widget Forecast Addon

It increases the efficiency of the above mentioned weather widget free apps and if you try the Weather Widget and download the free Forecast Addon, you will possess a captivating arrangement.

9. WeatherBug

This free Android weather app displays local and general weather updates which are precise and also the add-ons of maps and videos are astounding.

10. The Weather Channel

It is the best free Android weather app obtainable in the Android Market; which is quite well known and furnishes weather updates direct from one of the most valued weather providing origin. You can locate a default position to receive continuous updates without any problem.

1. Britney Spears

2. Beyonce

3. Miley Cyrus

4. Rihanna

5. Lady Gaga

6. Carrie Underwood

7. Shakira

8. Nicole Scherzinger

9. Taylor Swift

10. Katy Perry