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.

How to Know If a Woman’s Attracted: The 5 Signals

Maybe she’s that waitress at the local cafĂ©. Or maybe she’s a coworker or classmate or even the friend you’ve always secretly had a crush on. Regardless who she is, if you like her, then you want to know if the feeling’s mutual.

Lucky for you, all women give off signals when they’re attracted. Most guys never pick up on these signals. If you don’t know what you’re looking for, you could easily overlook these secret signals, as well. And you probably already have. You have probably let countless women slip through your fingers in the past because you failed to see the signals.

But you’re never going to make that mistake again. By learning the 5 most common-but least understood-signals of female attraction, you are prepared to get the girl. Just look for 1 of these 5 signals, and then make your move. It’s as simple as that!

1.) She says your name a lot in conversation

If you find a woman saying your name in conversation, there’s a good possibility she has feelings for you. When someone has feelings for another person, the sound of that person’s name gives them a little emotional rush. (Just think of children in the schoolyard writing their crush’s name in their notebooks!) While adults don’t skip around the playground and chant their crush’s name, they do unconsciously say it whenever they can. So if she says your name a lot, there’s a good chance she’s attracted to you.

2.) She fidgets with her hair

When a woman plays with her hair, it often means she’s turned on. It’s a grooming reflex: primate females groom themselves for males before mating. (If you want proof, just go to your local zoo!) Thus, if you catch a woman stroking her hair as she talks to you, it means you’re probably arousing her interests.

3.) She breaks eye contact first

Poets say the eyes are the windows to the soul. Well, her eyes are also a window into her feelings. It’s a well known fact that eye contact signifies confidence. And confidence is nothing more than comfort in one’s status. So, for example, if you were training some new entry level employees at your job, then you’d probably feel very confident in holding strong eye with all of them. If, however, you were having a business with your boss’ boss, then you probably wouldn’t feel as comfortable maintaining strong eye contact (since your boss’ boss has higher status). Likewise, if you notice a woman continually breaking eye contact first, she’s probably nervous with attraction for you.

4.) She gets carried away with emotion sometimes around you

A major misconception most guys have of women is that they need to “like” you to feel attraction. Just think of all the bad boys who do amazing with women! Now, you don’t need to become a “bad boy” just to attract women; however, you shouldn’t be discouraged is a woman isn’t always in a peachy mood around you. In fact, it’s better if she’s not! A woman would never waste her emotions on a guy she didn’t like. So if she sometimes gets frustrated with you or even angry at you, it’s a good thing.

5.) She speaks in the future tense about you

Here’s a very subtle-but very powerful-attraction signal that women give off. If a woman’s interested in you, she’ll make comments about seeing you in the future. It’s important to note that none of these signals will be overt; instead, they’ll be little offhanded comments like, “Are you going to x, y, z event next week?” If a woman is asking such questions, it’s a telltale sign that you’re on her mind.

You Must Listen Closely to Be a Better Car Salesman

When we talk about selling cars for a living we are talking about a competitive field where not all of the participants survive. It's a bit of a dog eat dog environment. The turnover at some car dealerships can be brisk and a couple very common questions among any sales staff is how can I be a better car salesman or how can I sell more cars.

The job of the automobile sales person is a multi-faceted job and in trying to answer the question of how to be a better car salesman there is not a single, all inclusive answer. Like most jobs there are a series of different tasks performed and in order to be successful one must work at and improve all of the different aspects of the job.

Listen to Be a Better Car Salesman

When it comes to being a car salesman one of the most important aspects of the job is being able to effectively communicate with people. There are not any tricks when it comes to dealing with people, but a critical part of dealing with a potential car buyer is to listen closely. Most people believe that in order to be a better car salesman that you need to be a good talker when in fact the truth is that you need to be a good listener.

I am not simply talking about the words that come out of their mouths. You see car buyers do not always tell every detail so to be a better car salesman you need to ask questions and listen closely. It has been said by many successful sales people that if you listen close enough the customer will tell you how to sell them a car.

If you want to be a better car salesman you need to listen to every word that comes from their mouth, but you also need to listen by watching their body language. The car buyer's body language consistors of facial expressions, body movements, attention span and attentiveness. When you present a vehicle to your customer and demonstrate some of the features and the customer is looking at the next feature while you are showing them the current feature the customer is telling you that you are moving too slow or that they are not very interested.

If you were listening closely by watching them and noting that they are not interested in that feature you would move on to something that interests them. However the sales person that was not paying very close attention would drone on about the feature and before too long their customer would become bored. This is a not an example of how to be a better car salesman, but how car buyers get turned off by sales people. That customer is very likely to get bored with the entire process and before long they would ask for the salesman's business card and tell them that they will be back when they have more time.

Then that customer would kindly visit another car dealer and if they are taken care of by a salesman that is listening closely and pays attention to their words and body language they will more than likely buy a car. This is a very common scenario when it comes to the business of selling cars and if you are determined to be a better car salesman you will start to pay attention to everything that your customer says and does and tailor your presentation accordingly.

What Does Reverse Osmosis Do – What is It?

What does reverse osmosis do? This is a question that we've been hearing a lot laTely. A better question would be, what is reverse osmosis good for. The answer to the second question is, not much. We'll explain why as we move along.

What does reverse osmosis do for you to provide you with clean drinking water? It is basically a de-mineralization system used by the water treatment facilities to filter out larger or see contaminants in the drinking water system. It works by using a porous or a ceramic filter to trap contaminants which have a greater molecular weight than the water itself. It will not however block anything of equal or less weight than the water.

So, what is reverse osmosis doing about all of the chemicals, microbes, and spores in our dinking water? How is it protecting us from them? The truth is that it's not designed in such a way as to do anything about them, and without the use of further filtering it's doing absolutely nothing to protect you.

When answering the question what does reverse osmosis do, we can not be completely negative. The system actually has many positive uses when it comes to industrial purposes. De-mineralization is a necessity in many field such as car washing and photo developing. Here it does an efficient and wonderful job.

What is reverse osmosis doing for your health and well being though? Not much at all we're afraid. As you may or may not be aware there are over 50,000 chemicals in use today, any of which can be found in your drinking water at any time. Chlorine, another toxin, is used to disenfect the water, but there are limits to it's effectiveness. Many forms of microscopic bacteria are imperfect to chlorine, and can cause serious gastric distress if ingested.

What does reverse osmosis do to prevent these microbes from reaching your tap? If you answered not a thing, then your catching on. The funny thing is that the very chemical used to disenfect the water does itself leave behind a microbial byproduct. As the chlorine passes, tiny spores are formed which also escape the filters grass.

Some of you may have seen advertising in recent months for rverse osmosis for your home. The ads go on about how their system is the ideal way to protect and purify your familys' drinking water. Do not believe the hype. As we've already shown you, it is an ill effective means of protection. I t really really kind of a silly concept anyway. If the water treatment plant can not decontaminate your water using the system, then what is reverse osmosis for your home going to do?

What you need to do is shop around for a high quality home system featuring an activated carbon filter. There are many different models available, and you can purchase them as individual tap units, or as whole house models.

Now, if anyone should ever ask for you, what does reverse osmosis do? You'll know to tell them, not much.