Author : Matt Ellsworth
Most people advocate the case of credit cards, quoting the benefits and convenience that arises from them. However, there is another group/line-of-thought that strongly opposes credit cards. The reason being ‘Excessive Credit Card Debt’, which is one of the most serious problems faced by the credit card holders and credit card industry. However, you can’t pull the shutters on the credit card industry just because of a few irresponsible people (or even if it’s more than few). That is not a solution for beating excessive credit card debt. Moreover, you can’t overlook the benefits associated with the credit cards.The issue of excessive credit card debt can be looked at from 2 angles. First is addressing of the excessive credit card debt problem at the industry level and second is the addressing of the excessive credit card debt problem at the individual’s level i.e. at the credit card holder level. The first method involves increasing awareness of the excessive credit card debt problem to the masses. This is more or less being done currently too. However, there should also be an effort to tackle this problem of excessive credit card debt at an even deeper level. This means trying to devise a mechanism to nip the problem (of excessive credit card debt) in the bud. This mechanism should actually be a part of the overall system. A lot of thought needs to go into devising such a mechanism. Case studies should be taken up, statistics gathered and a proper forum formed (with representatives from the credit card holders and from the credit card suppliers). As of now, the credit card suppliers just seem to be engaged in coming out with new products and getting customers enrolled to those products. There is little attention paid towards addressing the problem of excessive credit card debt in the real sense. Something like attending mandatory seminars on the root causes of excessive credit card debt could be made part of the credit card application process.Another way of dealing with the problem of excessive credit card debt could be: developing a system for calculation of applicable credit card limit at the individual level i.e. no standard/product-based credit limits. Then there could be mechanisms for proactively warning the users about excessive credit card debt (based on their credit card usage) or even imposition of early restrictions on noticing the first signs that lead to excessive credit card debt.At the individual’s level, the treatment of the problem of excessive credit card debt would include following of best practices (on credit card usage and avoidance of excessive credit card debt) by the individuals themselves. A checklist or a set of questions could be provided to individuals for recognising the first signs of excessive credit card debt.So, the problem of excessive credit card debt can surely be dealt with by putting together some serious thinking at a broader level together with discipline at the individual’s level.What was started as an online store, has turned into a growing collection of internet resources on subjects ranging from Network Marketing, Investing, Health, Travel and Credit Cards. Visit http://www.mjesales.com for our store or http://www.mjesales.com/articles.htm for more articles. For instant access to over 20 free ebooks, visit our free ebook page now! This article may be reproduced only in its entirety.
Category : Broadband Internet
วันพฤหัสบดีที่ 8 พฤษภาคม พ.ศ. 2551
วันจันทร์ที่ 28 เมษายน พ.ศ. 2551
About Refinancing Your Home Mortgage Loan
Author : Carrie Reeder
Because of low mortgage rates, many homebuyers choose to refinance their current home loan. Refinancing at a lower interest rate means homeowners will pay reduced monthly payments. The ultimate goal of refinancing a home loan is to save money. Although refinancing may appear to be a smart move, there are factors that must be considered before submitting a refinance application.Is Refinancing Worth It?The first question that homebuyers need to ask is whether they will benefit from refinancing their home mortgage. While various mortgage companies and commercial advertisements encourage refinancing, unless a home's current mortgage rate is at least two points higher than the current market, the process of refinancing a mortgage is not worth the effort. Because of refinance fees and costs, savings are marginal.Why Refinance a Home?Refinancing a current home loan is more beneficial for individuals who have significantly higher interest rates. Homebuyers who purchased their home prior to declining interest rates may have rates four or five points above the current market. Moreover, homeowners with an adjustable rate mortgage may consider refinancing to obtain a fixed rate. Fixed rates are more ideal because the interest rate will remain the same throughout the life of the loan, unlike adjustable rates which may fluctuate according to the current market. An adjustable interest rate may gradually increase throughout a 30-year period, which means increased monthly payments.How to Refinance a Mortgage?Mortgages are refinanced through mortgage lenders. The process is very similar to applying for a home loan. Homeowners may either contact a mortgage lender to discuss services and options, or obtain a refinance quote through a mortgage broker. Many prefer mortgage brokers because they negotiate with several lenders for the lowest possible rates. Furthermore, mortgage brokers provide homeowners with multiple offers from reputable lenders. Thus, homebuyers are able to compare rates prior to choosing a lender. Fees are incurred with refinancing a home loan. These include application fee, loan origination fee, title search fee, etc. Homeowners save money with online mortgage brokers because certain fees do not apply to electronic applications. Moreover, some lenders waive selected fees.To view our list of recommended refinance lenders online, visit this page:
Recommended Refinance
Lenders Online.Carrie Reeder is the owner of ABC Loan Guide, an informational website about various types of loans.
Category : Colon Cancer
Because of low mortgage rates, many homebuyers choose to refinance their current home loan. Refinancing at a lower interest rate means homeowners will pay reduced monthly payments. The ultimate goal of refinancing a home loan is to save money. Although refinancing may appear to be a smart move, there are factors that must be considered before submitting a refinance application.Is Refinancing Worth It?The first question that homebuyers need to ask is whether they will benefit from refinancing their home mortgage. While various mortgage companies and commercial advertisements encourage refinancing, unless a home's current mortgage rate is at least two points higher than the current market, the process of refinancing a mortgage is not worth the effort. Because of refinance fees and costs, savings are marginal.Why Refinance a Home?Refinancing a current home loan is more beneficial for individuals who have significantly higher interest rates. Homebuyers who purchased their home prior to declining interest rates may have rates four or five points above the current market. Moreover, homeowners with an adjustable rate mortgage may consider refinancing to obtain a fixed rate. Fixed rates are more ideal because the interest rate will remain the same throughout the life of the loan, unlike adjustable rates which may fluctuate according to the current market. An adjustable interest rate may gradually increase throughout a 30-year period, which means increased monthly payments.How to Refinance a Mortgage?Mortgages are refinanced through mortgage lenders. The process is very similar to applying for a home loan. Homeowners may either contact a mortgage lender to discuss services and options, or obtain a refinance quote through a mortgage broker. Many prefer mortgage brokers because they negotiate with several lenders for the lowest possible rates. Furthermore, mortgage brokers provide homeowners with multiple offers from reputable lenders. Thus, homebuyers are able to compare rates prior to choosing a lender. Fees are incurred with refinancing a home loan. These include application fee, loan origination fee, title search fee, etc. Homeowners save money with online mortgage brokers because certain fees do not apply to electronic applications. Moreover, some lenders waive selected fees.To view our list of recommended refinance lenders online, visit this page:
Recommended Refinance
Lenders Online.Carrie Reeder is the owner of ABC Loan Guide, an informational website about various types of loans.
Category : Colon Cancer
Car Stereos
Author : Jason Gluckman
Hobbies differ from one person to another. There can be little doubt that the most common hobby would be music. Marvelous are the effects of music. There is no limit to it. You can have it anywhere and everywhere, even while you are traveling in your car. Indeed, you can take your favorite music along through your car stereo.A car stereo includes a set of equipment like speakers, amplifiers, and CD or cassette players. Originally, car stereos meant just a radio run on a battery. Slowly, more additions were incorporated to include traffic signal messages and also sizeable memory. The earliest known brand of car stereo was Motorola. There are many components constituting a car stereo. They are amplifiers, woofers, speakers, capacitors etc. You need to know the purpose of each component to select the correct one for your car.Like home audio, car stereo is a fast-growing and ever-changing field with new technologies gaining popularity. By installing the appropriate system in your car, you can enjoy music on the move.There are many leading brands like Kenwood, Blaupunkt, Pioneer, Sony and DLS. There is stiff competition in the manufacturing of car stereos, which forces the manufacturers to constantly improve and update their products and attract more customers.For example, Kenwood invented the amateur radio transceivers T and L Series Products. Innovation is part of the activities of this company. It designed the first anti-theft car stereo.Apart from the appearance of the car stereo, the product is valued in terms of sound quality. Unlike yesteryears, a pair of 10-inch speakers can produce more than 160 decibels SPL, when placed in a closed place. In the recent times, digital satellite radio is experiencing high demand in the form of head units and individual modules.Car Stereos provides detailed information on Car Stereos, Car Stereo Systems, Car Stereo Installations, Car Stereo Speakers and more. Car Stereos is affiliated with Wholesale Car Audio.
Category : Automotive:Mobile-Audio-Video
Hobbies differ from one person to another. There can be little doubt that the most common hobby would be music. Marvelous are the effects of music. There is no limit to it. You can have it anywhere and everywhere, even while you are traveling in your car. Indeed, you can take your favorite music along through your car stereo.A car stereo includes a set of equipment like speakers, amplifiers, and CD or cassette players. Originally, car stereos meant just a radio run on a battery. Slowly, more additions were incorporated to include traffic signal messages and also sizeable memory. The earliest known brand of car stereo was Motorola. There are many components constituting a car stereo. They are amplifiers, woofers, speakers, capacitors etc. You need to know the purpose of each component to select the correct one for your car.Like home audio, car stereo is a fast-growing and ever-changing field with new technologies gaining popularity. By installing the appropriate system in your car, you can enjoy music on the move.There are many leading brands like Kenwood, Blaupunkt, Pioneer, Sony and DLS. There is stiff competition in the manufacturing of car stereos, which forces the manufacturers to constantly improve and update their products and attract more customers.For example, Kenwood invented the amateur radio transceivers T and L Series Products. Innovation is part of the activities of this company. It designed the first anti-theft car stereo.Apart from the appearance of the car stereo, the product is valued in terms of sound quality. Unlike yesteryears, a pair of 10-inch speakers can produce more than 160 decibels SPL, when placed in a closed place. In the recent times, digital satellite radio is experiencing high demand in the form of head units and individual modules.Car Stereos provides detailed information on Car Stereos, Car Stereo Systems, Car Stereo Installations, Car Stereo Speakers and more. Car Stereos is affiliated with Wholesale Car Audio.
Category : Automotive:Mobile-Audio-Video
วันเสาร์ที่ 26 เมษายน พ.ศ. 2551
Five Tips to Become a Soundbite Genius
Author : Susan Harrow
1. Speak in soundbites to everyone.Getting key phrases for concepts and ideas across clearly is central to all communication. As a fun practice try to shave off any extraneous details during conversation in your everyday life. In Errol Morris' film *Fog of War* former Secretary of Defense Robert McNamara said, *Never answer the question that is asked. Answer the question you wish were asked.* Begin to train yourself to speak only what you want others to hear. In this way you'll be shaping other's perception of you-which is the essence of good media.2. Answer the first interview question with your sermonette.In a 1989 interview on the NPR show Fresh Air veteran TV journalist David Brinkley said, *Everyone of them [his guests] will arrive in the studio with some little sermonette in mind, and determined to deliver it. So one thing I do is first ask them a dull, boring question like, what do you think about this. And let them deliver their little sermonette. And then we get to the hard core of what we're there to talk about.* Your first and last points have the most impact so plan and deliver your sermonettes no matter what you're asked.3. Frame your ideas for your audience.Jennifer O'Neil, a film producer and director, explained that when shooting background footage (b-roll) she uses a technique called *grounding.* To *ground* the camera must end definitively on an object or scene that signals the viewer that that segment is over. I suggested to her that she probably also used the opening footage to *ground* or shape the beginning of how she wanted a viewer to perceive the scene. In this way you orient your audience to the scene or the material you want them to focus on.You can apply the same concept to soundbites. Your opening words set the stage for what you want to convey, your final words signify the close, how you want your audience to remember what you've told them. Use your opening and closing statements to anchor your audience to the information you want them to grasp. That way you shape the way they think about your product, service or cause.4. Tell people what to do.I love mystery, but this isn't the place for it. Don't leave your audience guessing. Be forthright about the action you want them to take by letting them know why your product or service is necessary for them to have a complete and happy life now. What gap does what you have to offer fill? Be direct in pointing this out so there is no doubt.5. Live your words.Get to the point with clarity and insight. The Latvian violinist Gidon Kremer said of composer Astor Piazzolla's music, *I don't think it's [the music] always about embellishment. I don't think it all can be expressed rightly just gliding on the surface of convenient rhythms. This music can't be in fact performed, it has to be lived. And I always can distinguish if someone is flirting with Piazzolla as a convenient item of our commercial industry or if someone really lives the life or the heartbeat of the music of this great composer.*It's the same with you and your soundbites. Are you living the heartbeat of what you're saying, what you're representing? If not, we hear your false notes, your commercial intent. If so, we know in an instant when your music is true.Learn how to use any interview, any time, on any topic, to get your business, book, product or cause the publicity-and fame you long for in this soundbite teleclass. http://www.prsecrets.com/Copyright(c) 2004 Susan Harrow. All rights reserved.You have permission to publish this article in its entirety electronically, in print, in your ebook, or on your web site, free of charge as long as no changes to the content are made and you include my byline, copyright, and resource box. Please notify me of publication by sending an email with a copy of your publication to: mailto:newslettereditor@prsecrets.com. Thanks!About The AuthorCopyright(c) 2004 Susan Harrow. All rights reserved.Susan Harrow is a top media coach, marketing strategist and author of *Sell Yourself Without Selling Your Soul* (HarperCollins), *The Ultimate Guide to Getting Booked on Oprah*, and *How You Can Get a 6-Figure Book Advance.* Her clients include Fortune 500 CEOs, millionaires, best-selling authors and successful entrepreneurs who have appeared on Oprah,60 Minutes,NPR, and in TIME,USA Today,Parade, People,O,NY Times,Wall Street Journal,Inc.prsecrets@publicist.com
Category : Business:Audio-Streaming
1. Speak in soundbites to everyone.Getting key phrases for concepts and ideas across clearly is central to all communication. As a fun practice try to shave off any extraneous details during conversation in your everyday life. In Errol Morris' film *Fog of War* former Secretary of Defense Robert McNamara said, *Never answer the question that is asked. Answer the question you wish were asked.* Begin to train yourself to speak only what you want others to hear. In this way you'll be shaping other's perception of you-which is the essence of good media.2. Answer the first interview question with your sermonette.In a 1989 interview on the NPR show Fresh Air veteran TV journalist David Brinkley said, *Everyone of them [his guests] will arrive in the studio with some little sermonette in mind, and determined to deliver it. So one thing I do is first ask them a dull, boring question like, what do you think about this. And let them deliver their little sermonette. And then we get to the hard core of what we're there to talk about.* Your first and last points have the most impact so plan and deliver your sermonettes no matter what you're asked.3. Frame your ideas for your audience.Jennifer O'Neil, a film producer and director, explained that when shooting background footage (b-roll) she uses a technique called *grounding.* To *ground* the camera must end definitively on an object or scene that signals the viewer that that segment is over. I suggested to her that she probably also used the opening footage to *ground* or shape the beginning of how she wanted a viewer to perceive the scene. In this way you orient your audience to the scene or the material you want them to focus on.You can apply the same concept to soundbites. Your opening words set the stage for what you want to convey, your final words signify the close, how you want your audience to remember what you've told them. Use your opening and closing statements to anchor your audience to the information you want them to grasp. That way you shape the way they think about your product, service or cause.4. Tell people what to do.I love mystery, but this isn't the place for it. Don't leave your audience guessing. Be forthright about the action you want them to take by letting them know why your product or service is necessary for them to have a complete and happy life now. What gap does what you have to offer fill? Be direct in pointing this out so there is no doubt.5. Live your words.Get to the point with clarity and insight. The Latvian violinist Gidon Kremer said of composer Astor Piazzolla's music, *I don't think it's [the music] always about embellishment. I don't think it all can be expressed rightly just gliding on the surface of convenient rhythms. This music can't be in fact performed, it has to be lived. And I always can distinguish if someone is flirting with Piazzolla as a convenient item of our commercial industry or if someone really lives the life or the heartbeat of the music of this great composer.*It's the same with you and your soundbites. Are you living the heartbeat of what you're saying, what you're representing? If not, we hear your false notes, your commercial intent. If so, we know in an instant when your music is true.Learn how to use any interview, any time, on any topic, to get your business, book, product or cause the publicity-and fame you long for in this soundbite teleclass. http://www.prsecrets.com/Copyright(c) 2004 Susan Harrow. All rights reserved.You have permission to publish this article in its entirety electronically, in print, in your ebook, or on your web site, free of charge as long as no changes to the content are made and you include my byline, copyright, and resource box. Please notify me of publication by sending an email with a copy of your publication to: mailto:newslettereditor@prsecrets.com. Thanks!About The AuthorCopyright(c) 2004 Susan Harrow. All rights reserved.Susan Harrow is a top media coach, marketing strategist and author of *Sell Yourself Without Selling Your Soul* (HarperCollins), *The Ultimate Guide to Getting Booked on Oprah*, and *How You Can Get a 6-Figure Book Advance.* Her clients include Fortune 500 CEOs, millionaires, best-selling authors and successful entrepreneurs who have appeared on Oprah,60 Minutes,NPR, and in TIME,USA Today,Parade, People,O,NY Times,Wall Street Journal,Inc.prsecrets@publicist.com
Category : Business:Audio-Streaming
Good News?
Author : Al Thomas
As the man said, "I've got some good news and I've got some bad news. What do you want to hear first?" It was replied, "Tell me the good news first". The good news is that they are going to make some changes in the mutual fund industry reporting to help the investor and the bad news is it isn't going to make any difference in your bottom line.It seems that us small investors are getting the usual window dressing to make it seem that we are getting a good deal, but when you go in the store to try on the merchandise it still doesn't fit any better.Here is what the Securities and Exchange Commission passed as a new regulation for registered mutual funds. Instead of 50% of the Board of Directors being from outside the company they now must select 75% from outside the company. Can anyone tell me what difference that is going to make? The guys who own the fund will pick people who are friendly to their goals. Will they care any more for the investors than they do now? Window dressing.One new regulation I do agree should help a little (but very little) is the requirement to provide more information to shareholders about their contracts with investment advisors and how they are approved. Big deal. The mutual fund industry said this will raise their costs. How? They have the information. All they have to do is add it to their prospectus. Also remember that the prospectus was written for the Dilbert lawyers at the SEC to meet the regulations and not to give you understandable information.Do you remember what happened to your funds from 2000 to 2003? Most investors lost from 40% to 60% of their money. Let's hope they don't hire back those same analysts again, but they probably will. Just their contracts will be different. It is doubtful their results will change.Furthermore these new fantastic, wonderful rules (sic) will not go into effect for 18 months. I guess as one of the 95 million mutual fund owners I will have to wait, but I'm not going to hold my breath.What I did not hear from the SEC was that mutual fund managers should be paid on performance of how well they do with your money. Now they get paid by how much money they have or can get and keep in the fund. Sounds backwards to me. See if you can get your broker to refund all commissions if your fund does not make money. Don't hold your breath on this one either.Eighteen months from now investors are going to feel a lot better when all that good news goes into effect. Yeah.Al Thomas' book, "If It Doesn't Go Up, Don't Buy
It!" has helped thousands of people make money
and keep their profits with his simple 2-step
method. Read the first chapter at
http://www.mutualfundmagic.com
As the man said, "I've got some good news and I've got some bad news. What do you want to hear first?" It was replied, "Tell me the good news first". The good news is that they are going to make some changes in the mutual fund industry reporting to help the investor and the bad news is it isn't going to make any difference in your bottom line.It seems that us small investors are getting the usual window dressing to make it seem that we are getting a good deal, but when you go in the store to try on the merchandise it still doesn't fit any better.Here is what the Securities and Exchange Commission passed as a new regulation for registered mutual funds. Instead of 50% of the Board of Directors being from outside the company they now must select 75% from outside the company. Can anyone tell me what difference that is going to make? The guys who own the fund will pick people who are friendly to their goals. Will they care any more for the investors than they do now? Window dressing.One new regulation I do agree should help a little (but very little) is the requirement to provide more information to shareholders about their contracts with investment advisors and how they are approved. Big deal. The mutual fund industry said this will raise their costs. How? They have the information. All they have to do is add it to their prospectus. Also remember that the prospectus was written for the Dilbert lawyers at the SEC to meet the regulations and not to give you understandable information.Do you remember what happened to your funds from 2000 to 2003? Most investors lost from 40% to 60% of their money. Let's hope they don't hire back those same analysts again, but they probably will. Just their contracts will be different. It is doubtful their results will change.Furthermore these new fantastic, wonderful rules (sic) will not go into effect for 18 months. I guess as one of the 95 million mutual fund owners I will have to wait, but I'm not going to hold my breath.What I did not hear from the SEC was that mutual fund managers should be paid on performance of how well they do with your money. Now they get paid by how much money they have or can get and keep in the fund. Sounds backwards to me. See if you can get your broker to refund all commissions if your fund does not make money. Don't hold your breath on this one either.Eighteen months from now investors are going to feel a lot better when all that good news goes into effect. Yeah.Al Thomas' book, "If It Doesn't Go Up, Don't Buy
It!" has helped thousands of people make money
and keep their profits with his simple 2-step
method. Read the first chapter at
http://www.mutualfundmagic.com
and discover why he's the man that Wall Street
does not want you to know.Copyright 2005
Category : Leukemia
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