Teamspeak2 » having a great time and getting

The consumer credit counseling business is a huge industry in America Cheap Derek Rivers Jersey , since the average American is a mere three paychecks away from facing huge, potentially devastating financial difficulty. Each year, more than a million Americans turn to credit counselors to try to help themselves regain control of their financial burdens. But just how the credit counseling business works is a mystery to most consumers. What's involved when you hire a credit counselor?


It may come as a bit of a shock, but the first thing you need to understand is that consumer credit counselors don't work for YOU! That's one reason their ads on television, radio, and in your email box shout, "Our services cost you nothing!" However Cheap Malcom Brown Jersey , any business needs to derive income from somewhere, so if they're not charging you, who does pay them? In truth, they work for the lenders. Here's how it works:


Regardless of what their commercials would have you believe, credit counselors don't renegotiate the overall amount of your debt--that is, the total principal balance you owe to your creditors. Instead, they negotiate with the various lenders to decrease your interest rates. For instance Cheap Joe Thuney Jersey , let's say that you're paying somewhere around 18 percent on the charge card you want help with (some stores still charge as much as 21 percent). A credit counselor will contact the cardholder and negotiate a lower interest rate--sometimes as much as half the original rate.


That's the good news. The not-so-good news is that your minimum payments will still be based on a 9010 split, meaning that 90 percent of your monthly payment will still go toward paying interest on the card. That means, as is the case with any credit card payment, it will be well worth your while to pay a little more than the minimum each month, in order to whittle down your principal. It will save you significant amounts of money in the long run.


But how can credit card companies continue to make money by cutting interest rates in half, and what do they have to gain by doing so? The first reason is because they know that it's better to get something, which they'll do if you continue to pay them Cheap Deatrich Wise Jr. Jersey , even at a reduced interest rate, than to risk having you default on the entire amount. The second reason is because, even at the reduced rate, the lender is still making a healthy profit. They have borrowed that money at a significantly lower rate--sometimes as much as 66 percent less than the rate they'll be charging you. (That's why the financial institutions have big buildings; they make huge amounts of profit.)


Credit counselors CAN save you money, there's no doubt about that. But don't be fooled into thinking that they work for YOU, because they don't. In the end, credit card companies love credit counselors Cheap Devin McCourty Jersey , because the counselors truly work for them. That's why you don't pay for credit counseling services. The credit card companies are happy to pay them for you.


Copyright ? Jeanette J. Fisher.

Skateboarding is fun and it's most definitely one of the coolest and most popular sporting activities around. More and more people are trying it every day and becoming passionate about it. If you want to become a skater the first thing you need is, you've guessed it, a skate board. Now, any skateboarder knows that the process of choosing a skate board is very important - especially if it is your first skate board, which is arguably the most important of all.

When picking the right skate board, there are a few things you must keep in mind. Firstly, get your skate board from brands you can trust Cheap Stephen Gostkowski Jersey , such as Gravity, Santa Cruz or Sector 9, as they are some of the most reliable and their products are top quality.

Secondly, take some time to carefully think about how much money you're ready to spend on your skateboarding gear and what are your plans concerning this sporting activity. Do you intend to make it more than a hobby or it'll be just an occasional pastime? How often will you be using your skate board? Do you want to learn difficult moves and tricks or just cruise around with your pals from time to time? If you want to become a professional, do you think you have what it takes and are you ready to work for it? These are some of the questions you should ask yourself before purchasing a skate board and the additional skateboarding equipment. Obviously, at first you won't have all the answers, but still it's good to have even a rough idea about what you're going to do.

If you've decided on that Cheap Dont'a Hightower Jersey , you're ready to start shopping. Skateboards come in different shapes and sizes. The ideal size for your skate board depends on your height and shoe size. For instance, a tall person with big feet should, of course, get a bigger board than someone who is smaller in size.

Another thing to remember is that any skateboarder should wear his safety equipment at all times. So, if you're just starting out, make sure to acquire, along with your skate board Cheap James White Jersey , a good helmet, a pair of skateboarding gloves and some knee pads, elbow pads and wrist pads. A pair of solid skate shoes is another thing you might want to buy when you get your skate board - their special design makes them more resistant and they also offer a better grip of the board than regular shoes do. After all this shopping is done, you'll be ready to go and have some fun. But before that, remember to get all the equipment and accessories you might need. This may include, along with the safety equipment and shoes we've already talked about, instructional videos Cheap Tom Brady Jersey , tools and spare parts for your board, skateboarding clothes and bags etc. If you've already got all this gear, then you'll soon be cruising around on your skate board, having a great time and getting all the excitement skateboarding has to offer. The Sarbanes-Oxley Act, also called the Public Company Accounting Reform and Investor Protection Act of 2002 was signed into law on July 30, 2002 by President Bush. In the aftermath o. Cheap MLB Jerseys China Cheap NCAA Jerseys Wholesale Jerseys China Cheap Wholesale NHL Jerseys From China Wholesale Authentic NBA Jerseys Wholesale Authentic MLB Jerseys Wholesale College Hockey Jerseys Cheap Jerseys Cheap Jerseys From China Cheap College Hockey Jerseys