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Archive for October, 2009

Use Credit Consolidation To Get Out Of Debt

Thursday, October 8th, 2009

One of the most common ways to consolidation your debt is through a personal loan or a home equity loan. With a personal loan, you simply take out an additional loan, which is large enough to pay off all of your other debts. Many loan companies will pay your creditors directly. However, if you would choose, you can have the personal loan deposited into your bank account and then you can pay your creditors individually. One downfall of a personal loan is if you are currently behind on your other credit payments, you may have a harder time acquiring the personal loan you need to consolidate your debt.

With a home equity loan, you will need to use the equity you have built up in your home, in order to pay off all of your debt. The current value of your home, minus your loan balance will give you the amount of equity you qualify for. Like a personal loan, you can then use the money to consolidate your debt.

Another way to consolidate your debt is through a zero interest or low interest rate credit card. If you have a limited amount of debt, then you can apply for a credit card that carries either an interest rate of zero percent or one that has an extremely low interest rate. Like with the loans, you can then use the credit card to pay off your other debt.

Credit consolidation not only helps you to keep up with your monthly debt payments, but it also can save you a considerable amount of money over the long haul. When you combine all of your debt into one payment, you narrow down the amount of interest you are paying out each month. Overall time, if you are paying less on interest, you will get you will be able to pay off your debt in a timelier manner, therefore saving your on interest payments.

Credit consolidation can easily be done. It is a viable option for someone who is looking to pay down their debt, without ruining their credit. Generally speaking, when you do a consolidation, your monthly payment is lower than when you are paying each bill individually. This allows you to actually make your monthly payment, without putting yourself in a financial bind. Credit consolidation is one of the best ways to continue paying off your debt, without having to file bankruptcy or take other drastic measures.

Consolidated Credit Counseling Services, Inc., founded in the early 1990s, is an industry leader in providing credit counseling and debt management programs throughout the United States. Their mission is to help families end financial crisis and solve money management problems through education and professional counseling.
By utilizing educational programs, professional counseling and money management instructions, Consolidated Credit establishes a customized program that fits your needs. They share your goal – freedom from debt.

When you contact Consolidated Credit, you will be working with a highly trained counselor who will begin the process of freeing you from your financial misfortunes, regardless of your circumstances. This is a confidential exchange and you can expect to be treated with the utmost care and respect. They are here to provide you with a plan and a chance to become debt free.

Choosing Promotional Calendars

Tuesday, October 6th, 2009

Promotional calendars are one of the most given out promotional products. It’s not only a simple promotional products but a useful one too. The main problem that rises when choosing the calendar as your promotional item is if you should get standard ones or custom company calendars.

The answer to this problem starts with the allocated budget for the purchasing of the calendars. If you are a starting company with a limited budget you can choose between a lot of promotional calendars that have your logo and your name and info on them, but are not a very good quality or a smaller batch of custom company calendars that are produced according to your exact specifications.

The advantage of the custom calendar is that is can be tailored to suit your needs. It can have a different size than the standard sizes available; it can have the exact shades of colors your company and logo use, or it can have a different shape then the usual vertical or horizontal design. Most of the companies providing promotional items will either work directly with you and make the product according to your specifications or present you their available offer and see if you like what they have. There are also companies that will take your specifications and ideas and will try to create you a product that would fit in your budget.

Getting a customized item is not as difficult as it seems. Any standard item that can be offered in different colors or sizes or with different fonts is a custom item. Of course a custom item can also be an item created from scratch just for your company. Depending on your budget and the customers you already have as well as the prospective customers you can choose quantity against quality at least for item like calendars, matchboxes, pencils or any other items that have a relatively short usefulness time.

One thing to remember is that the bigger the promotional item the more visible your logo, name and other information provided. If you have a bigger budget or plan to give the promotional item just to your best customers, you should consider getting them something useful, that can resist for more than a year and it is customized. An item that has a unique or interesting design, an item that is out of the ordinary is more likely to be kept around just for that reason alone.

Promotional Calendars are in front of your customers all year long. Promotional-Calendars.biz is your best solution for advertising calendars. They strive to find products that have a proven track record of customer satisfaction and offer some of the most competitive prices for calendars in the industry. If you are looking for something you don’t see here, give them a call and they will find it for you.