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.

What Type of Fire Alarm Do I Need and Where Should I Put It?

It is probably quite evident that there are a number of fire alarms available, and at vastly varying prices, so it may be very difficult to understand the differences between Optical, Ionisation and Heat alarms. This guide is aimed at taking some of that confusion away.

So what is the difference between the models?

As stated above there are three types of alarm, each with its own uses.

Optical Alarm: This type of smoke alarm typically uses an infrared beam between two points, the alarm being triggered should the beam be disturbed. In much the same way as a criminal might trip an alarm when breaking into a bank vault or museum in the movies, if the beam is broken, the alarm will go off. It detects larger smoke particles best.

Ionisation Alarm: These alarms use 2 small plates (one charged positively, one negatively) and an alpha particle source to create a constant current running across the gap between the plates. When smoke enters the chamber it interferees with this process, interrupting the charge. When the charge drops, the alarm goes off. These alerts are best at detecting smaller smoke particles.

Heat Alarms: A heat alarm will trigger if the room temperature reaches a certain level. They do not detect smoke, and are not to be used as a substitute for a smoke alarm, but should be used in assisting these alerts for greater fire detection.

Why do we need different types of fire alarm?

Different types of alarm exist due to the different types of fire. Believe it or not, fires act in different ways depending on what is burning, and is important to identify the fire as quickly as possible. Different alerts are better at discovering different fires, and choosing the right alarm for the right room could save your life one day.

Fires can be particularly smokey, often caused by the burning of papers or clothing etc, and burn rapidly, producing smaller smoke particles. The Ionisation alerts are better at detecting these fires.

Other fires can be a lot less smokey, often being harder to detect, and are caused by the burning of carpets, sofas or electrical devices. These fires tend to burn less quickly, producing larger smoke particles. Optical alerts will be better at detecting these fires.

Which fire alarm do I need?

This article is meant as a general guide, and for more detailed safety advice it is highly recommended that you contact your local Fire Service. This being said, the information below should help you decide.

  • Optical alarm: Living room, dining room, hallway
  • Ionisation alarm: Bedrooms, walk in wardrobes
  • Heat alarms: Dusty areas such as garages, unconverted lofts etc where the dust could interfere with the other alarm types.

Alarms are available as either battery operated, or mains operated with battery backup. The mains alarms will continue to work for a time after power is lost to the unit, but only as a backup. If this is the case, mains should be restored to the unit right away, or the battery changed.

Some alerts even come with the option of interconnectivity, meaning if one alarm sounds, then all the alarms sound. This is highly useful in larger properties where one alarm may not be heard by everyone. The idea is to raise the alarm to everyone right away – as soon as a fire starts – and having the alarms linked together will achieve this.

Fires are responsible for a large number of deaths each year, as we all know from the adverts broadcast on television or radio. This is a fact, and can be greatly reduced by just checking your alarm to be sure that it works, and that it is the correct alarm for the location it is placed. Be aware that alerts need replacing after a certain amount of time, and it is worth checking on the unit and to note the replace by date. If you are unsure, check with your local Fire Service.

Family Tree Creation: Reasons To Create Your Own Family Tree

What is the purpose of family tree creation? Why would you set out to create a family tree, or even write the genealogy of your family?

For a lot of people, the answer is simple. They want to know where they are descended from. They want to know who was in their family before them and what those people’s lives were like.

But what more can family tree creation mean for you?

Surprising Information

Other than just satisfying the curiosity about your roots, you could stumble on to information that could change your life. Some of the greatest discoveries about people have been made in the process of finding out their family tree. People discover inheritances that were left for them, or family treasures, which they would otherwise never have known about had they not started to look into their family’s past.

A lot of people also discover great stories. Some of these stories have been published and have earned the authors a great deal of money. Alex Haley wrote the biography of Malcolm X, but that’s not what brought him into the limelight. He became famous when he took time to research 7 generations back into his family; he discovered great stories of how lives were lived, how hardships were overcome and successes made. When he wrote Roots, it was an instant hit; people like to read true stories of people who came before them because it validates their existence today.

There is nothing to stop you from doing the same. Perhaps your family tree creation project could turn you into a millionaire too! Each family, each person in your family, had a unique life that’s worth telling about if you can craft it in such a way as to make an interesting read.

Science and Medicine

Family tree creation is also a valuable scientific asset especially when it comes to researching genetics and diseases. There are particular diseases that seem predominant to very small sections of the population, and research into how these people are related, which has been done using family trees, has shown certain groups to all be descended from one gene. In terms of looking for cures, it narrows the scope so that scientists are able to isolate a single gene and deal with it if, for example, they were looking to cure or understand a disease.

Criminology

In criminology, it’s been found that some serial killers have a violent gene that runs ways back through the family lineage. If you have someone who is particularly errant in your family, you might want to trace your roots and learn about the lives of the people in your family who came before you because it could help explain why this particular person is the way they are – there may be people in your family tree who suffered similar problems and it would help to know this as you look for a solution.

Your Legacy

Family tree creation is also a way of leaving your own legacy behind for those who will come after you. There is no better gift to the next generation than handing them their genealogy: they will know from whom they are descended and somehow, this seems to give people a certain satisfaction. If you can put your family tree together for your kids or grandkids, it’s a perfect gift that they too can add onto and then pass on to the next generation – it means that no one in your family will ever go un-noted.

There are all kinds of ways in which family tree creation and writing your genealogy can be of benefit; it’s worthwhile spending the time recreating your family’s history because, unless you do, you will never know what wonderful stories are waiting there for you!

Domain Names – Selecting The Right Domain Name For Your Online Business

Domain names unrelated to your topic can easily deter potential readers from clicking on your site. As an example, consider a situation where you may decide to invest in an AdSense campaign, or paid search engine placement. Irregardless of where you advertise your site, the domain name is likely to be visible to the reader. If it is unrelated to what they are looking for, chances are they will not click on your site.

Unfortunately, in some cases, the main keyword for your topic may already be included in a number of other domain names. In these instances, you may want to us a domain name that still includes your main keyword, and also a secondary one. That said, it is important to keep your domain name to a comfortable word length, so that it is easy to remember.

Finally, even though hyphens in a domain name may make it possible to use your main topic keywords, they can be very annoying to your potential reader. For various reasons, a potential site viewer may want to type the domain name into the address bar. If you have hyphens in the name, it is easier to mis-type it, and then receive an error message. In all cases, it is important to realize that web surfers rarely have the patience to wade through long domain names, let alone figure out why the error occurred.

Many people want domain names that are fresh and live. Unfortunately, even if the name is very creative, it may not be related to your product or site topic. Aside from this, long or tedious domain names can inhibit potential viewers from returning to your site at a later time.