Showing posts with label future. Show all posts
How to Pay Back a Debt
Paying back a debt may not be as easy as acquiring it and this is why many people avoid getting themselves into debts such as loans or mortgages. However, once the borrower finds ways on how to pay back a debt, one day at a time, it becomes much easier to settle the debt. Debt repayment requires a lot of budgeting and a person who is smart enough to prioritize the things he requires will have an easy time getting out of a debt however big it may be. Below are some tips that are important for a borrower to consider when planning paying back his or her debt.
1. Understanding the debt owed
* Avoiding the debt or pretending there is no debt does not help the situation since the debt will remain there and most probably increase.
* The person should get to know the entire amount he or she earns and how much the credit card has listing every debt for each card or loan.
* Once the figures have been added up and the borrower knows how much he has to pay back, he can now find ways of paying back the debt one day at a time.
2. Classifying debts according to priorities
* Once all debts are known and the amount of money they cost each, they should be prioritized depending on various factors.
* The high interest debts should ideally be the first to be paid back while those that affect the individual’s tax return should be paid the last.
3. Earning more to repay the debt
* Once the prioritization has been done and a clear guideline is designed on how to repay the debts, the person can look for sources in his budget that can pay back the debts.
* More money can be found by reducing unnecessary expenditure such as partying costs and dinner dates among others.
* One can also get extra money to repay his debt by finding a job that pays better, getting a second job or starting a business that will bring in more money.
* A home equity loan can also be acquired and be used for paying back the debts.
4. Debt renegotiation
* Renegotiating the debt repayment terms is also another wise way of faster debt repayment.
* A huge amount of money can be saved if paying back the debt in pump sum saves on the interest that would have been charged if the debt was to be paid back on monthly basis.
Paying back a debt is not a hard thing to do if the tips above are followed to the latter. The most important thing that should be considered when planning to easily repay a debt is the needs and the wants in life. Categorizing activities into the wants and needs groups will enable one to define what things are more important in his or her life and which ones can be shelved for some time until the debt is fully settled. People should therefore not avoid taking loans or mortgages since they are designed to help people out. The only lacking ingredient to a stress-free life is a smart way of paying back the debts acquired.
Japan's New Robot Rock Band in Future
They are called Z Machinese and they are about to take the Japanese music world by storm. This unique rock band is made up entirely of futuristic automatons able to play guitar, drums and keyboards better than any human.
Z Machines is the brainchild of Yoichiro Kawaguchi, an IT professor at the University of Tokyo, and mechanical designer Naofumi Yonetsuka, who wanted to liven up the music scene by creating something futuristic and exciting.
So they created Ashura, a six-armed drummer who can actually play 22 drums simultaneously and sounds like four people playing the drums at the same time, Mach, a metal-and-wire guitarist who uses 78 fingers and 12 picks allowing him to challenge even the most gifted human guitar players, and Cosmo, who is literally wired into his keyboard and shoots lasers from his eyes. Z Mazhines certainly sounds like a very impressive band, but can they really play a gig? They answered that question on Monday, when they teamed up with Japanese human duo Amoyamo, for an electrifying performance at one of Tokyo’s most popular night clubs.
Photo: AP/Koji Sasahara
The creators of this robot trio enlisted the help of DJ Tasaka, a famous electronic musician from Japan, to create an original song for their big debut. At first, he decided to go for a traditional disco-electro track, but after seeing what they were capable of during rehearsals, he decided to make something truly tough for them to play. “But then they were able to play it,” the surprised DJ told Japanese press. Amoyamo were also surprised by how well the robots played their part, considering they had only rehearsed together once before the big show. But Professor Kawaguchi has even bigger plans for his robot band. He’s shooting for the stars, literally. The IT specialist hopes to one day take Z Machines to play in outer space, like on the Moon or on the North Pole of Mars.
Photo: Nippon News
Z Machines may be all the rage in Japan right now, but they are actually not the world’s first robot band. That title goes to Compressorhead, a group of true metal heads who like to rock out to tracks by legends like AC/DC or Motorhead.
The Flexible Future Laptop
Maybe one-piece, continuous screen laptops aren’t just one designer’s flight of fancy after all. Recently, Orkin Design debuted a roll-up laptop design that, when packaged up in its little shoulder-strap-equipped tube, looks kind of like a narrow yoga mat. But when the Rolltop is all set up and ready to go, it looks a lot like the flexible MacBook concept you saw here a while ago.
The large OLED surface goes from the traditional screen/keyboard configuration to large viewing screen to tablet. The carrying canister becomes the power supply and houses other features like the USB ports. Overall, it seems like a pretty great design. And with the OLED technology that’s already being used in products from Sony, it seems like it won’t be long until we actually see a laptop like this in production.
