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.

Training in Traditional Chinese Medicine

When you're ready to achieve your degree or certificate in one of the world's most ancient healing arts, then you should acquire training in traditional Chinese medicine (TCM). With programs ranging from certification in Tuina (Chinese medical massage) to a doctorate in Oriental medicine, the educational options are wide open.

To earn your masters in acupuncture and Oriental medicine (MSTOM), training in traditional Chinese medicine entails anatomy and physiology, pharmacology, acupuncture and oriental medicine (fundamentals, diagnosis, and treatment); acupuncture point locations, applications and theory; acupuncture and needling techniques; auricular acupuncture (ear acupuncture), Tai Chi, Qi Gong, Chinese herbology, Eastern nutrition, Tuina, moxibustion, cupping, and more.

If you're interested in becoming a professional doctor of acupuncture and Oriental medicine (DAOM) practiceer, comprehensive training in traditional Chinese medicine is critical. While courses vary with respect to prerequisites, general doctrine programs require a great deal of commitment; usually over 1,200 training hours. In addition to philosophies, principles and training in traditional Chinese medicine (and advanced studies of the masters program), coursework includes family medicine, medical Chinese language, and application of Chinese classics, among others.

Some training in traditional Chinese medicine colleges includes associate and bachelor degree programs as well. These courses are often geared towards Eastern holistic health, nutrition, and herbal medicine.

If you're strapped for time but want to acquire some training in traditional Chinese medicine, you can apply to one of the many Asian bodywork or Tuina certification programs. In addition to learning about anatomy and physiology, students enrolled in these programs gain training in traditional Chinese medicine theories and philosophies, instrumental Tuina hand and structural techniques, Shiatsu, acupressure, Qi Gong, as well as basic CPR and first aid.

If you (or someone you know) are interested in learning more about these or other TCM programs, let professional training within fast-growing industries like massage therapy, naturopathy, acupuncture, herbal medicine, Reiki, and others get you started! Explore training in traditional Chinese medicine [http://school.holisticjunction.com/clickcount.php?id=6634739&goto=http://www.holisticjunction.com/search.cfm] near you.

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Personal Budgeting: An Imperative

Budgeting is a basic part of accountancy.

Nations, states, cities, towns and every incorporated company have budgets. Every private company, or other commercial entity, worth its salt has a formal budget. So why is it that the vast majority of people do not use a formal budget in their private lives? They do budget of course. We all do in one way or another. But very, very few people have a good enough memory to successfully budget informally – that is, without writing it down. And it's when we forget to allow for some expense that we get into trouble. We get into debt. Is not that just about the worst feeling in the world – to be in unplanned debt?

To be poor is a sad experience – it's a state of mind. To be broke is an uncomfortable experience – but it's a temporary condition. To be in unplanned debt can be gut wrenching. And generally speaking, unplanned debt is just plain carelessness.

Why then does it happen? Simply because in the days before computers and calculators budgeting was a boring and time-consuming task. There was an awful lot of adding up to do and the darned thing had to be continuously adjusted as time went by, usually every month at least. So it was not surprising that most people just did not bother and as the generations passed by, so did the practice of ordinary people not preparing budgets for their personal finances. They just did not think that the value derived from maintaining a personal budget was worth the time consumed.

So what's changed? One very important factor: personal computers – they've just made it so easy that if you do not budget, you're making life unnecessarily difficult for yourself. It is now well and truly worth the very small investment of time to input a few lines of data every week. Because from that the computer can give you more financial reports than one person is ever likely to need. It will produce reports on tax payments; about what you've sent; about where you've spent it, about what you've spent it on and it will do that for any given period of your choosing. It'll find transactions that you've forgotten about but that suddenly you really need to know about. It will tell you how much money you will have in the bank next Christmas (or what you've got to stop spending money on so that you will have the amount of money you need in the bank next Christmas.)

The really big thing is that you will be in charge of your finances. It makes it so easy to explain to your dependents – be it spouse, partner or children; just exactly what the household can afford to spend, on what and when. Ninety-five percent of the arguments about money will go out the window because people will be able to see clearly what can and can not be done. If we buy you that cell phone, we will not be able to buy that game. You get the idea.

What software is best? Well there's no shortage of it. It's not expensive. The best is less than a hundred dollars and you'll save that in no time flat. Check out the choices available, and choose the one which best suits your personal needs. It will be well worth whatever you decide to invest in it. And it will most definitely save you lots of headaches and heartaches in the long run, if used properly.

Engagement Photography Tips, Article 2

Are You Serious?

If you are — don’t be! When you go out to have your engagement photos taken by a friend, you need to have a good time. Focus solely on your fiancé and your love for them. Enjoy spending time with them! Too many people focus on the camera and get nervous and uptight: and it shows in the photos.

Hopefully your fiancé is the only person in the world that can help you forget about everything else – which would include the camera…

Do Your Homework

Planning for an engagement session will usually improve the quality of the results. Here are a few steps I would suggest you take as you begin planning:

Run Google searches for “engagement photography” and “engagement photos.” Look for images that you think you and fiancé could imitate. Print off about 20 of your favorite images. Go over them with your fiancé and narrow the list down to the ones that both of you really like and think will be possible. Then, show those to your friend who will be taking your pictures. Whittle the samples down even further based upon their thoughts and feedback. Try to end up with 5 or 10 sample images that everyone is excited about.

Look closely at those sample photos to see what types of location are being used and what the lighting looks like. A lot of engagement photos are taken in either a park or city location. I would suggest driving around and scouting possible photo locations for the session. But don’t just do a “drive-by scouting”! Get out of your car with your camera and take actual photos inside each park of the locations you think would work best. Compare your snapshots with the sample photos you printed off.

You can also do internet research by looking at the web sites of local wedding photographers. While your previous search for engagement photography would have returned nation-wide results, the goal of this research is to see where the local wedding pros are shooting their engagement sessions. You’ll likely recognize some of the parks and buildings that they are working in and near.

Lots of Photos

Hopefully your friend will be using a digital camera. That way they can take lots of images without worry about film expense. Sometimes the difference between an average photo and a great photo is simply changing the angle and perspective of the camera!

This point was really driven home to me with some recent engagement photo sessions I have done. I am in the process of creating an eBook to help couples take top-notch engagement photos. I had another photographer help me out with several engagement sessions. Together, we shot about 600 photos during each two-hour engagement session. During the session, I would often setup and take photos of the couple. While I was doing so my assistant would be moving around and photographing the same scene at different angles. Afterwards, I would look at the photos I took and also some of the side-angles my assistant shot at those same times–and there is often a night and day difference between the two. The couple didn’t move or change their pose; the only difference was the angle at which the image was taken!

So, once you have found a good location for your photo session and you and your fiancé are in position — let your photographer snap away! Don’t limit the shots they’re taking!

And again: have fun with the session. Smile a ton. Laugh a lot. Make the photo session a special memory that you and your fiancé will share for a lifetime.