Agregador de canales de noticias

10 Steps To Successful Debt Consolidation

Recetas 1 - Hace 12 horas 31 mins

If you are having trouble balancing your income and expenditure because of large debts then read on and discover your options in credit card debt consolidation.

Debt consolidation can be an excellent option when you find your finances getting out of control but before you go out and sign up for a debt consolidation loan there are a number of factors you must take into account.

1) Why are you looking to consolidate debt?

The basic principle of debt consolidation is that you take out a single loan and use that loan to repay all your existing credit card debts, loans and overdrafts.

This normally results in lower payments generally spread over a longer term. Before you proceed with debt consolidation you should first consider whether there is a better alternative.

2) Sell assets to clear your debt

Rather than rescheduling your debts see if there is any way you can repay some or all of your debts yourself. Sell unwanted valuables and other items.

Depending on the item you can sell to dealers, advertise in local classified ads or through Ebay. Sell unwanted books through Amazon. If your debts are very high and you own your own home consider downsizing to release equity.

3) Pay more than the minimum off your credit cards.

If you can pay more than the minimum monthly payments you should seriously consider continuing with your existing credit cards and clear the debts over the next 12 to 18 months.

While it may mean restricting your spending in other areas it will be the cheapest option long term. Of course you may still opt for debt consolidation to make managing your debt easier.

4) If you are currently only just managing to pay the minimum monthly payments on your credit cards, or your total credit card debt is increasing each month then debt consolidation may be the right choice. There are a number of options when considering debt consolidation:

5) A mortgage or re mortgage

If you own your own home the lowest interest rates are obtainable by taking out a new mortgage to pay off your existing mortgage (if any) plus enough funds to repay you other debts.

If repaying your existing mortgage will result in penalty charges consider a 2nd mortgage with your existing lender. The interest charged will probably be slightly but not significantly higher.

6) Take out a secured loan with another lender

If you have already missed or been late with any payments, and as a result your credit score is too low for your mortgagor, consider a secured loan with another lender.

Secured loans in these circumstances are more expensive and the lenders are quick to repossess your home if you miss payments. Only take this route if you are certain that you can make the repayments.

Depending upon how bad your credit history is, so long as you maintain all your payments for the following 1 to 3 years, you can replace this loan with a mortgage or re mortgage once your credit score improves. There will be penalties however if you repay a secured loan early. Ensure you read the fine print.

7) A loan secured on other assets

If you have an expensive car, boat or plane you will probably be able to obtain finance using these assets as security. The rate of interest will be higher than a loan secured on property. If you do not have property or it is fully mortgaged securing a loan on other assets may be an option.

8) An unsecured loan

If you do not have property or other assets an unsecured loan is often a possibility. An unsecured loan is usually over a shorter term, normally up to a maximum of 7 years but occasionally longer. As a result the monthly payments will be higher but the debt will reduce quickly.

As the lender has no security your property and assets are less at risk if you default. The lender could, however, send in the bailiffs if they obtain a court order.

Because there is no security expect to pay a higher interest rate, particularly if you have a poor credit history.

9) Don’t forget the credit card option.

If your debts are relatively low and you still have a reasonable credit history applying for another card with a 0% or low interest balance could be an alternative to a debt consolidation loan.

Go for a 0% balance transfer if you can realistically repay all or most of the debts in the 0% balance transfer period. If however, there will still be a substantial debt at the end of the balance transfer period go for a permanently low interest rate.

Be aware there may be a 2 – 3% charge on the balance transfer. To ensure you don’t slip back into debt cut up all your credit cards and close paid off accounts.

10) Check all the options before making a decision.

As you research all the options it will quickly become clear if there is one obvious solution. For many individuals there will be more that one option so it is essential check them all out before making a final decision. Go to a range of different lenders and mortgage or loan brokers and obtain the best package for you. Remember you have the final say and just enquiring does not commit you to any course of action.

For a great many people debt consolidation provides an ideal solution to excessive credit card debt. Sorting out debt problems takes a little time, effort and determination. Once you’ve sorted your debts you will find life more enjoyable and relaxing and, with no debt collectors calling or contacting you by post or phone, much less stressful.

Ensalada cremosa de remolacha

Recetas 2 - Vie, 08/07/2020 - 06:02
Esta ensalada de remolacha cremosa podría ser perfectamente el centro de la mesa (y ciertamente puede mantenerse como un plato principal).

Nutella casera vegana

Recetas 2 - Jue, 08/06/2020 - 14:15
Para todos los #nutellalovers les comparto mi versión saludable, sin aceites agregados, con menos azúcar que la comprada y obviamente sin colorantes, saborizantes, conservantes y todo eso que vos ya sabés……

Pan sin amasar

Recetas 2 - Jue, 08/06/2020 - 03:24
¡Esta receta de pan sin amasar hará que cualquier panadero novato se vea como un profesional! 5 minutos de trabajo producen un pan dorado y crujiente con un interior suave y perfecto.

Tofu agridulce

Recetas 2 - Jue, 08/06/2020 - 03:09
El tofu crujiente se rocía en una salsa agridulce sriracha picante con pimientos y ajo para hacer este tofu agridulce picante delicioso.

Estofado vegano de frijoles negros

Recetas 2 - Jue, 08/06/2020 - 02:11
Estoy bastante enamorado de los frijoles negros sazonados, pero quería que este guiso fuera más que eso.

Estofado vegano de frijol negro

Recetas 2 - Jue, 08/06/2020 - 02:11
Estoy bastante enamorado de los frijoles negros sazonados, pero quería que este guiso fuera más que eso.

Crema de queso vegano

Recetas 2 - Jue, 08/06/2020 - 00:00
Este queso de crema vegano es increíblemente cremoso, con ajo y súper delicioso untado en un bagel o tostada fresca. ¡Y está listo en solo 5 minutos!

What Are The Technology Trends For 2014?

Recetas 1 - Mié, 08/05/2020 - 11:47

What can we expect about technology in the coming years? What are the IT technological trends? We should be informed about what companies are doing, what technologies they are investing in and how they are served by technology.

Some trends are not new, as the so-called Internet of Things and cloud computing, but others are very new, such as 3D printing and Software Defined Networking. All these technologies will impact heavily on IT in 2014. There will be about 30 billion connected devices with unique IP addresses in 2020, most of which will be products.

Four major forces: social, mobile, cloud and information, will continue to drive change, creating new opportunities and generating demand for advanced infrastructure.

Among the trends that will define the way of IT in the coming years first we have the WebRTC (Real Time Communication) technology, which enables real-time collaboration through the web. With this technology, any browser may include video, instant messaging, voice calls without the user having to install any additional components.

Moreover, user services based on context are changing the way people interact with devices, allowing you to store information about users, so that we have accurate information in a timely manner.

The Internet of things, and machine to machine (M2M) communications enable connections between people, processes, data and objects, combining video, mobility, cloud, big data and machine-to-machine communications (M2M). With the Internet of Things devices will be part of the material world, like roads, supermarkets, biomedical devices and even animals and people, through sensors, generating terabytes of data.

Another trend will be video technology in ultra-high definition ( 4k – 8k- 2160p and 4320p ), which form an essential part of smart phones, augmented reality glasses, tablets, and other devices equipped with a camera. Furthermore, analysis technology that allow real-time data process in seconds or minutes could be applied in areas such as Business Intelligence, ranging from financial analysis tools to different segments such as advertising or transportation, and building value data in real time.

Also, changes at interconnection technologies are required. Right now the system is not sufficiently robust to support the expected growth in connected devices. New proposals are being developed to replace the infrastructure based on IP protocol, to technology based on a Named Data Networking ( NDN ), which allow conveying information by using host names rather than addresses.

Another approach is the software defined technologies (SD-X, Software Defined Any), which go beyond virtualization network (SDN and NFV), in order to increase its scalability across physical and virtual resources. It should be noted that networks may also self-managed in terms of configuration, security, optimization and troubleshooting using technology or Autonomous Networks SON (Self -Organizing Networks).

About public, private and hybrid clouds, these will move to dynamic environments and multi-provider clouds. New technologies such Intercloud will enable cloud service providers across multiple environments.

Ultimately the key technology trends for 2014 are Mobile Devices Diversity Management and Applications and Mobile Apps, the All Software Defined technology, intelligent machines, 3D printing, the Internet of things, cloud and hybrid IT as a service corridor.

Regarding the Management of Mobile Devices, the unexpected result of programs “Bring Your Own Device” (BYOD) is that the size of the mobile workforce in enterprises will double or triple. It is expected that, by 2018, the variety of devices, computing styles, contexts and user interaction paradigms strategies will make “everything everywhere” should be checked. Companies will define policies that fit expectations clearly about what to do and what not, balancing flexibility with the requirements of confidentiality and privacy.

Moreover, given the improvement in the performance of JavaScript, the browser will become the main development environment for enterprise applications. The Apps will continue to grow, while applications begin to be reduced. The Apps are smaller and focused on a particular need, while the application is greater and complete. In the coming years, it is expected that mobile applications and cloud services merge to form the so-called Internet Application or App Internet applications. These apps will use the storage and processing power of computers, smart phones and tablets as well as the scalability of the cloud to allow applications to communicate with other applications and devices. Mobile applications and cloud platforms offer a smaller TCO (total cost of ownership).

Software Defined Software incorporates initiatives like OpenStack, OpenFlow, Open Compute Project and The Open Rack, which share a similar vision. SDN network technologies Providers, SDDC data centers, storage and infrastructure SDS SDI are all trying to maintain their leadership in their respective domains.

About Intelligent Machines, in 2020 the age of the smart machine will increase from smart personal assistants, advisors intelligent, advanced global industrial systems and public availability of the first examples of autonomous vehicles. Companies will invest in intelligent machines. These machines will enhance consumer forces against the first wave of early purchases by businesses.

It was expected that global sales of 3D printers increase 75 percent in 2014; sales will double in 2015. 3D printing is an efficient medium that will reduce costs in the prototypes.

Today, it is not only computers and mobile devices connected to networks. There is a variety of other devices such as cars, TVs. We are entering the digitalization time of the most important services and active ingredients. The Internet of Things will have a vital role in this period.

Referring to cloud computing, hybrid cloud and IT as a service provider represents technologies to work on. Personal and external private clouds are coming together, generating an increase in cloud services brokers (CSBs). It would be important the aggregation management, the integration and customization of services.

About Cloud Architecture, cloud computing models are changing. The demands of mobile users are driving an increase in computing server and storage capacity. Personal cloud will change from devices to services. Users can take advantage of various devices, including PCs, but not based on a specific device.

Finally, it should be noted that Business Intelligence has been ranked as one of the technologies where a major change is required. BI technology will create value in large enterprises; data mining and reporting tools will become more sophisticated. In a tough economy, business intelligence allows managers to justify business decisions with specific numbers.

We concluded that the Internet of Things, 3D printing, technologies associated with managing mobile devices and Cloud Service Brokers are some of the technological bets that eventually explode next year. They will have a high impact and spread to most of the organizations in the next three years.

Early adoption of technologies represents a competitive advantage for companies, so know the trends in the coming years, even though we live in a changing world, will help you make the best decisions and provide the best solutions that can highlight about our competitors.

Sopa de verduras fácil

Recetas 2 - Mié, 08/05/2020 - 03:31
Cuando el clima se pone más frío y tengo algo de verduras en el refrigerador para usar, me encanta preparar una sopa simple para congelar y recalentar en esas noches que no me apetece cocinar. Esta receta funciona con casi cualquier verdura que tenga, así que use esta receta como base y luego sea creativo.

Crepes vegano

Recetas 2 - Mar, 08/04/2020 - 09:03
¿Eres más de crepes dulces o de crepes salados? Los crepes son un plato de origen francés que sientan bien a todas horas del día.

Pastel de chocolate vegano y sin gluten

Recetas 2 - Mar, 08/04/2020 - 06:52
El pastel de chocolate más increíble es vegano, sin gluten, sin aceite, y sin azúcar refinado.

Salteado de garbanzos y arándanos

Recetas 2 - Sáb, 08/01/2020 - 22:37
Salteado de garbanzos y arándanos deshidratados con mucho sabor a especias, servido con perejil fresco y un chorrito de limón. Soy fan total de los garbanzos y de todo tipo de especias, lo de añadirle arándanos fue un experimento y creo que quedó muy rico. Si acompañas esta receta con un poco de alioli casero, ¡se convertirá en uno de tus platos favoritos, aviso!

La torta marmolada vegana

Recetas 2 - Sáb, 08/01/2020 - 01:26
Mi preferida desde que tengo uso de razón. felicidad pura fue lo que sentí cuando la veganicé y me quedó mucho más rica que la “original”. tiene naranja, cacao amargo, amor e historia, por eso, hoy te comparto esta receta que amo ¿a quién se la prepararías? contáme en los comentarios :)

La torta marmolada perfecta (¡y vegana!)

Recetas 2 - Sáb, 08/01/2020 - 01:26
Mi preferida desde que tengo uso de razón. Felicidad pura fue lo que sentí cuando la veganicé y me quedó mucho más rica que la “original”. Tiene naranja, cacao amargo, amor e historia, por eso, hoy te comparto esta receta que amo ¿a quién se la prepararías? contáme en los comentarios :)

Investing Your Money Buying Reliable Mobile Phone Accessories

Recetas 1 - Vie, 07/31/2020 - 11:38

With the kind of economy the world is facing right now, any item purchased must have advantageous factors that can surpass its value of investment. Even if you try to buy brand-new products, this particular issue is an important consideration. For instance, if you decide to get a new sports car or even buy mobile phone accessories for your handset.

Whenever you intend to save some cash to buy something, you must not always focus on the value of the product rather the kind of benefit you get as well. Although, there are folks who will choose not buy products only to save money. This is not the condition however if you really need to invest for it, as it is very functional. When buying handset accessories, it is possible to consider those cheaper brands to save money but make sure to review the actual benefits.

Mobile phone chargers are the most usual items that most handset owners are investing. One good explanation is that majority of the mobile phone batteries have limited life span, thus a reliable charger can somehow guarantee that the battery can survive for a longer period. Sometimes, if the charger is not functioning well it can easily damage the battery. That is why you need to find a reliable handset charger to take care of your mobile phone life span. It is best to get a very adaptable charger that you can use at home, workplace or when driving you car also. With a reliable charger, interruption during phone conversation will not take place.

Cellular phone cases are very important mobile phone accessories also. These items typically give various benefits to the users. It is possible that without using a reliable cell phone casing, you normally expose your handset to possible damages. This actually relates to the very progressive technology is producing more delicate handsets these days. To illustrate, touch screen units are prone to scratches or even permanent damage that forces you to get a new one. Unfortunately, these types of phones are costly compared to the average units. With the right handset case, it will be easy to protect your phone.

Mobile phone covers are likewise important investments if you want to protect your phone from possible damages. This can help you save more of repeatedly bringing your unit to a cell phone repair shop. These handset covers easily protect the screen and frame of the phone. You can easily prevent unexpected damage like when you accidentally drop the phone. In addition, scratches are also prevented using the exact mobile phone cover.

Tortitas de pastel de zanahoria

Recetas 2 - Mié, 07/29/2020 - 05:06
Estos esponjosos panqueques son perfectos para desayunar o merendar.

Espaguetis y albóndigas

Recetas 2 - Mié, 07/29/2020 - 04:55
¿Qué es más hogareño que los espaguetis y las albóndigas? giros de pasta bañados en salsa marinara salpicada de hierbas, con albóndigas tiernas y picantes equilibradas en la parte superior ... en una noche fría, no hay mucho que suene mejor.

Espagueti y albóndigas

Recetas 2 - Mié, 07/29/2020 - 04:55
¿Qué es más hogareño que los espaguetis y las albóndigas? Giros de pasta bañados en salsa marinara salpicada de hierbas, con albóndigas tiernas y picantes equilibradas en la parte superior ... En una noche fría, no hay mucho que suene mejor.

Gazpacho de zanahoria

Recetas 2 - Mié, 07/29/2020 - 00:00
¿No te encanta cuando las recetas son rápidas, simples, buenas para ti, satisfactorias y fáciles de ver?