The Difference Between Debt Consolidation and Debt Negotiation

Debt negotiation is a process of negotiating with your creditors to bring down your total amount of debt. A good debt negotiation company can help bring down your total debts by as much as 50 to 70 percent. A word of caution, though. Debt negotiation may sound great, but it can adversely affect your credit report.

The Pros And Cons Of Debt Negotiation

A debt negotiation company discusses your financial status with your creditors, and offers to pay off all your debts in one go. The catch is that they offer to pay, say, $4,000 cash now against the total debts of, say, $12,000. The very fact that you have appointed a debt negotiator on your behalf is a sign that you are a bad risk, and most creditors will settle for cash now, as against the balance over the next 10 years or so.

The flip side to debt negotiation is that it affects your credit rating in a negative way. The commission to your debt negotiator is usually between 14 and 25 percent of the total settlement.

What Debt Consolidation Experts Do

Debt consolidation experts negotiate on your behalf to arrange to reduce the rates of interest, and to reduce or eliminate the late fees and other charges and penalties. They help consolidate all your outstanding debts into a single debt, and arrange a monthly payment schedule consisting of reduced amount, by as much as 20 to 40 percent.

They usually charge a monthly service fee of around 10 percent, and your payments are referred to credit bureaus. They advise you to close all your credit card accounts, and may allow you to keep one active for emergency uses.

It is for you to decide which course of action you wish to take.

Giving Art As a Wedding Present

Weddings are one, if not the most memorable occasion of a man’s life. The other important pivotal occasion that precedes that is one’s birth but naturally, no remembers the circumstances surrounding that day. So we are left with the most memorable immediate day and that is the day of one’s wedding.

Weddings are commemorated in virtually every part of the world and regardless of the culture one is examining, this is a time of festivity, pomp and general euphoria. Most people who get married spend more money on this one day than they will ever be spent in any other single day. This is a testimony of its importance to the couples and their family and friends. Perhaps one aspect of wedding days that makes them so memorable is the fact that presents are exchanged or rather, the wedding couple is the main recipient.

There is no limit to what the wedding couple can receive. People send kitchenware, clothes, jewelery, electronics and much more. People have even become more innovative when it comes to gift-giving. One of the most innovative and personal ways of sending special gifts has been the giving of art. Art especially as a wedding gift is gaining currency. This is because of its uniqueness and surprise element. To take it even further, we now have word art where a couple’s names can be curved into the art in artistic styles and shapes. Why would art as a wedding present be so important?

The first reason is that art is romantic. Ever since art legends like Michelangelo mystified the world with talented spirals of his brush, art has maintained a place in the world of chivalry. That is why giving of art as a wedding present is considered a very romantic gesture. Sometimes an artist may be employed weeks or months before that memorable day to sketch a mural of the couple and this is then presented to them on the wedding day. Sometimes it is not even presented and it wrapped nice so as to preserve the element of surprise when the couple later gets home and opens their presents.

Another reason why art is ideal as a wedding present is because it is durable. Its durability stems from the fact that it is framed and can be hanging on the wall. Framed photos or artwork can last a very long time. This is because it is away from the possibility of damage.

Art is also used a wedding present because it is memorable. Imagine having a name art framed pierce with both the couple’s name embroiled in the design and then this is hung conspicuously on the wall of their new home. Then visitors, family and friends can view the artwork easily and remember the memorable day of the wedding. Unlike photo albums which be safely tucked away, art as a wedding present symbolizes something much deeper in that it is clearly visible and reminds the couple of their eternal union.

How to List Your Local Business Online

If you are operating a business in your local area, you would want it’s popularity to rise so that you can work towards gaining more and more reputation and customers from your area, so that you can beat the competition. You can use several ways to make sure that you are on the top in your local area; one of the ways could be advertising. You need to learn how to list your local business online because it’s a medium that will be around for a long time and it is growing rapidly today.

In this article, I plan on telling you about the various methods of advertising you could use, as well as methods to list your local business online.

If you are operation a local business, I am pretty sure that your advertising budget will be really small, and you would look to find out the methods by which you can advertise without going over your limits. You would also want your advertisement to be effective in the sense that it would reach out to all of your targeted consumers. Well, the first method you could use is by advertising in newspapers.

Printing ads in the newspapers can be relatively easy and cheap. You would just have to go at the newspaper agency and give them the details of the advertisement that you want to place in their newspaper. Another option that you could utilize would be through the flyers. However, you should take care with them because if their circulation is not in the right area, you wouldn’t benefit from them at all.

You could also benefit from the yellow pages directory in this regard, but the thing is that not many people pay attention to yellow pages or the newspaper ads or the flyers these days. More and more people are now spending time online, which gives you even more of a reason to start listing your local business online and getting the potential customer leads from there. In this way, you would be spending less amount of money on the advertisements and will gain more because the internet has a lot of target public.

The internet can be the most affordable deal for you, and also the most wisest choice, which is due to the fact that a lot of people, about 78% in total, search on the internet for the products or services that they want to acquire, and they would go around buying from the dealer available nearest from their house. In this way, if you list your local business online, you would get a lot of hits per day because there would be a lot of people in your area that don’t even know that you are running this local business, and just because they searched on the internet for it, they would come to you and buy the stuff that you are selling.

You don’t need your website to be real colorful or anything. Just put on a simple website, and make sure that you apply SEO or Search Engine Optimization on it, so that your website appears on the top of the list among the others in your competition.