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Hobbies

Thu, 22 Dec 2011 01:36:25 GMT

I listen to reggae music online, and enjoy going to reggae festivals and all reggae culture. I love reggae mixes and download reggae mp3 follow the reggae stars and reggae bands and reggae groups.

K Cups In Canada?

Sun, 18 Dec 2011 04:57:08 GMT

I am wondering where to purchase K Cups in Canada, and I buy coffee at Starbucks, and I enjoy this hobby while I drink from my coffee mug. Thanks for having me.

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Wed, 14 Dec 2011 01:49:09 GMT

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Sat, 29 Jan 2011 07:33:37 GMT

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Finding debt consolidation programs for debt pay-off

Mon, 08 Nov 2010 04:45:02 GMT

If you want to become debt free but you can’t seem to handle the debts that you have, you can take the help of a debt consolidation program to become debt free. A consolidation program lowers the interest rate in your debt, thereby making it easier for you to make the payments.

Debt consolidation program – what is it?

Debt consolidation program is the process of paying off your debt through a lowered interest rate and payment. In this program all of your debts are consolidated and so you will have to pay a single creditor instead of the several ones that you were required to handle before consolidation. When in a debt consolidation program, you are supposed to make the payments to the consolidation company.

How can you find authentic debt consolidation program?

There are many debt consolidation companies. When you have decided to consolidate your debts and if you think you are going to enroll in a consolidation program, you need to find a good consolidation company. In order to take a decision, one may try the following options.

• Talk to credit unions and banks – If you want to consolidate your debts, you can talk to the local credit unions and the banks with which you have accounts. Talk to them about consolidating your debts.

• Find out with the authenticity – You may receive various debt consolidation offers in the mail. However, you should know that all of these are authentic ones. It is important for you to find out with the authenticity of the company offering to consolidate your debts through a consolidation program. Before enrolling into the program, check if there are any complaints against the company. You can know this from your State’s Attorney General’s office or web page.

• Find out BBB accredited business – You should also find out if the company has an accreditation with the Better Business Bureau or BBB. Better Business Bureau credits a rating to the company according to level of their business.

• Experienced companies – You can contact only those consolidation companies who have previously dealt with such problems and have a good record. Try to find out companies who have been in this business at least for 10 years or more.

• Discuss in debt forums – There are many debt forums that provide help on finding good debt consolidation companies. Some even maintain a list of BBB accredited companies. So, you can join a debt or credit help forum and discuss about your problem there.

It is essential for you to find a good debt consolidation company otherwise, rather than getting out of debt, your debt problems will increase all the more as your debt amounts can increase in leaps and bounds if you go to a scam company.

How Christian debt consolidation helps you pay off your debts

Sun, 07 Nov 2010 10:55:37 GMT

If you are burdened with multiple debts and are on the verge of missing your payments or if you have missed the payments, you can take help of Christian debt consolidation, that will help you get out of debt and become debt free.

What is Christian debt consolidation?

Christian debt consolidation works like any other type of consolidation. The only difference is that the Christian consolidation companies help you to get you out of debt by asking you to follow the biblical principles.

According to the Bible you as a true Christian cannot serve two masters and the only master is God. However, if you are in debt, you are serving two masters; Jesus and your creditor. So, you should pay off your debts to serve God. Other than this, like any other consolidation program, the counselor negotiates with your creditors to lower the interest rate and the monthly payments.

Benefits of Christian debt consolidation

1.     Determine the amount of debt – The Christian debt consolidation company will help you find out the total number of debts you have, and the total interest accrued and also the total amount of your outstanding debt.

2.      Negotiate with your creditors – The counsellor will do all the negotiations with your creditors. He will negotiate to lower the interest rate on your debt and may even negotiate with your creditors to waive off late fees.

3.      Notify your creditors – The Christian debt consolidation company will notify all of your creditors that you have joined a Christian debt consolidation program. So, the creditors from now on will have to contact your consolidation company.

4.      Lower fees – You will have to pay a certain amount of money to the consolidation company for their services. However, unlike other consolidation companies, Christian debt consolidation companies charge lower fees that you will be able to afford. Sometimes these debt consolidation companies may even offer you free service.

5.      Offer you reward – Sometimes, Christian consolidation companies offer you cash back, or sometimes may even reduce the monthly payment that you are required to forward them for their services. Generally such kinds of rewards are offered after some months of steady payments.

6.      Educate you on debt handling – Some consolidation companies even provide you knowledge on handling your debts so that you don’t incur debts in the future. They instill the belief that you as a human being are supposed to serve GOD. However when you are in debt, you are serving two heads – GOD and your Creditor. So, they ask you to stay away from debt.

10 Ways to Make Extra Money Online in Your Spare Time

Sun, 07 Nov 2010 04:10:50 GMT

So, you want to learn some ways to make extra money online in your spare time. You are not alone! Despite so many great ways that one can use to make a full time income online working from home, there are so many people who would like to be able to make some extra money on the internet in their spare time.

Maybe you don’t have enough time to put into making money online as a full time job, maybe you don’t feel comfortable enough yet, to give up your day job and devoting all of your time and efforts in hopes of making a regular income online, or maybe its that you just need a little extra money. Whatever the case might be, there are so many ways to make money online working few hours a day or week. Here are some of the best ways to make money online in your spare time:

Get paid to do online surveys
Paid surveys are the first choice for many people who are looking to make some extra money online that doesn’t take much time and effort. The great thing about making money with online surveys is the fact that you don’t need any skills or experience to get started. In doesn’t cost you a dime (unless you fall for paid surveys scams and lose your money to them!), and you can make decent amount of money fairly quick and easy.

The most important thing about making money with paid surveys is making sure you find and register with real and legitimate paid surveys sites. After registration, you will be sent survey invitations matched to you based on your profile. Paid surveys usually take about 15 to 45 minuets to complete, and based on the length and the importance of the topic, you can expect to be paid anywhere from $2 to up to $75 for each survey you qualify for and complete.

Work on fiverr
fiverr.com is a fairly new and unknown freelancing websites where you can offer any kind of service for $5. And when I say any kind of service, I really mean anything. I have seen people make money writing songs, drawing cartoons, taking pictures, writing on their forehead what the buyer wants and walk around the town, putting sticker on their car, wearing a t shirt with the buyers logo on it. Simply put you can make $5 over and over again for doing almost anything.

Registration is free, and you can immediately set up your profile, and offer as many “gigs” as you like. You will be surprised what people are willing to pay for!

Make extra money with GPT or Get Paid To programs
GPT programs are basically sites where you can get [paid to do verity of different things, from taking simple paid surveys, signing up for free websites and subscribing to free newsletters to reading emails, clicking on ads, shopping online and etc. Basically you can get paid to do almost anything that you already do on the internet. Depending on types of offer you complete you can expect to get paid anywhere from $0.25 to $30 for each offer you complete.

Just like other online money making methods, there are a lot of GPT scams. So, make sure to do your research and find and register with legit gpt sites.

Make extra money Freelancing online
If you are a programmer, designer, writer, translator or have any skills that can be useful to online businesses, you can easily work as a freelancer and make money online in your spare time. Although there are so many freelancers who make their living working as a freelancer, its not required of you to work full time. You work when you want to and on projects you want to. Obviously if you are just starting, you wont have a client base yet, so you will have to use freelancing sites to find projects to work on.

Some of the best sites to make money freelancing online, are sites like Elance.com and Guru.com. Use these sites to find projects to work on, but at the same time make sure to build and showcase your portfolio so you can one day have clients come to you for their freelancing related projects, pus you will make way more money working directly for clients than when you work through freelancing sites.

Become a mystery shopper
Just like paid surveys, mystery shoppings are a kind of research designed to evaluate the performance of different companies in different industries such as restaurant, hotels, retail stores and more. You will be paid to perform a shop at a particular store, and report back your experience, and rate its performance. Most of these reportings are done through answering a questioner, or on the phone talking to an agent. You pay for the shop, but you will be reimbursed for it after finishing your assignment. And in some cases, you will get to keep the goods for free (if applicable).

Mystery shopping industry is also full of scams. A simple way to know if a mystery shopping company is real or scam, is to find out if you have to pay for registration. All legitimate mystery shopping companies are 100% free to join.

Work on Amazon mechanical turk
Amazon Mechanical Turk which is part of the almighty Amazon.com corporation, is basically a kind of freelancing sites with different kinds of projects. You can get paid to complete tasks, big and small, that can only be done by humans and not by computers and softwares. These tasks are called “HITs”. Most of them are very easy to do. One example would be looking at tow seemingly identical images and and pointing out the differences. It may seem pointless to you and I. But, for research companies these tasks are very important.

The payouts for these hits are usually very low, but they take only a few seconds to compete and they come in massive amounts. For example, you may get 0.15 cents to point out the differences between each image, but you get to do that with 1000 different image, and that ads up. Making money with amazon mechanical turk, is truly one of the easiest ways to make extra money online in your spare time.

Write for blogs
There are a lot of people who run their own blog, and many of them are very successful. But, running a successful blog takes a lot of time and energy, which in many cases leaves little to no time for creating content which is the most important element of any successful blog. That’s where many bloggers pay others to research and write post for their blogs.

The good thing is, because of the popularity of blogs, today you can find blogs on almost any topic you can think of. And surly you are an expert or at least have more knowledge about one of those topics than the rest of people do. You can simply contact those blog owners and ask them if they would be interested in paying you to write articles for them about the topic of their blog. In most cases, you don’t even have to ask, many bloggers have a special page where the ask other writers to write for them in exchange for money. Simply search for blogs on topics you feel comfortable writing about and contact their owners and offer them your skills.

Get paid to post on forums
Forums have become a great part of the internet. Forums are profitable business, and that’s why more and more forums are born everyday. But, not all forums are popular from day one. In many cases, forum owners pay people to participate on their forum. It helps the forum look busy and active which is a good way of pulling in more real members. Do a simple search on goggle and you will find many forums where you can get paid to post.

Sell on eBay
Oh, the almighty eBay! You might be tired of hearing about eBay, but, the truth is eBay is still one of the easiest ways to make extra money online. There are many ways to make money selling on eBay.You don’t need to spend thousands of dollars in investments, have any knowledge or experience or any special skills to sell on eBay. Of course, there are people who invest thousand of dollars into buying products in bulks and selling them individually on eBay, but its not necessary if you are trying to make a little extra money in your pare time.

You can start by finding things that you already own but don’t have any use for any more, and putting them up for sale on eBay. If you have a hundred dollars or so to invest, you can buy things from flea markets and thrift stores, often for very cheap and resale them on eBay for a profit.

Use Craigslist to make extra money
I think craigslist is one of the most well-known yet untapped sources for making extra money both offline and online. There are a few ways in which you can use craigslist to make money. You can place a free ad and offer your service to people for a fee.

One of the best ways to make extra money using craigslist is to look for items to buy for cheap in “for sale” category or to look for items to pick up for free in “free” section of the “for sale” category. Either way, many times you can find items for a very cheap price, or free in some cases that can be resold right back on CG for a profit. You will be surprised to know that many people are actually making quite good amounts of money using CG.

These are only few of the methods you can use to earn some extra money online. Of, course you can always scale things up and make more money. But, remember not to set yourself up for failure by getting your hopes high, and thinking it will be easy and quick. The most important thing to remember, whether you are trying to learn how to earn a full time income working online, or few ways to make extra money online in your spare time, is that it takes willingness and some effort on your part to succeed in making money online.

How Debt Consolidation Can Build Your Credit

Thu, 02 Sep 2010 07:41:52 GMT

The debt management industry and the services within can be easily confused. While some consumers think debt management programs hurt credit there are some plans that can actually improve credit while enrolled. Primarily, it depends on the status of your accounts upon entering a program and selecting the program that best suits your current financial situation and long term credit goals. A debt consolidation plan makes payments each month as received from the client, helping improve the score over time. A debt settlement plan, often confused for consolidation, places accounts in a charged off status to enable balance negotiations. The only problem with a settlement plan is that the accounts have to first charge off before negotiating a lower balance pay off. Once an account charges off though, it remains as a negative on your credit for 7 years- paid in full or not. That’s only 3 years less bad credit than filing bankrupt.

Debt consolidation- not debt settlement- can help improve your credit score over time while paying back the debt. Accounts may be reported to the credit bureau as ‘being paid by a third party’. This notation does not affect your actual numeric credit score negatively or positively. It doesn’t hurt your credit rating in any way, shape, or form. At the end of the day, creditors and the credit bureau do not care who or how your payments are made, long as they’re made on time and consecutively each and every billing cycle. A debt consolidation plan makes the payments to creditors every month as payments are received from their clients. The due dates are renegotiated along with the other terms to ensure payments are considered timely and report positively, improving the score.

Making payments on time is the biggest factor in what affects your credit rating on a regular basis. 35% of your score is made up of timely monthly payments each billing cycle. In a consolidation plan, the due date is changed to coincide with a time that better fits your other monthly obligations and pay schedule and ensures timely payments right from the start of enrollment.

Did you know? Spending more than 30% of your available balance lowers your credit score? That means if you have a credit line of $5k, keeping a balance of more than $1500 is negatively impacting your credit. 30% of your credit score accounts for how much total outstanding debt you owe. These accounts may be being paid on time every month but if the balance is above 30% of the credit line the payments aren’t helping as much as they could.

Standard minimum monthly payments are designed to pay off 1% of the balance with every minimum monthly payment. That means if you stop spending on your account it could take around 100 minimum monthly payments to pay back your total debt at the standard rates, or 8.3 years. In a debt consolidation plan the interest rates are reduced to lower fixed rates, usually in the single digits. This allows the consumer to have the majority of the payment apply to the balance instead of the interest, bringing the balances down much faster- lowering your overall debt amount at an accelerated rate.

Standard rates and terms issued by big banks direct to consumers are set at a rate that would take over 8 years to payback with minimum monthly payments. In a debt consolidation plan, the minimum monthly payment requirement coincides with the interest reductions in an effort to get the consumer out of debt in 5 years or less, applying the majority of your minimum monthly payment to the principle balance not the interest fees.

You can still obtain new lines of credit while consolidating you debt. It’s not ideal….as the point is to get OUT of debt not incur more- but you can nonetheless. Not every account has to be consolidated either. Dent consolidation is not an all or nothing deal. Pick and choose which creditors are charging you too much in interest and only consolidate those accounts. You can always add or remove accounts from a consolidation plan at a later time without being charged anything additional.

One lower monthly payment. Lower fixed interest rates. No late fees. No creditor calls. Improving credit on a monthly basis. Debt free in 5 years or less. For more free information or a free financial consultation contact a certified credit counselor at a nonprofit debt consolidation organization accredited by the Better Business Bureau. Call 800-905-1563 or visit our website freedomdm.org and complete our contact request form or LIVE CHAT with a counselor during business hours. Freedom Debt Management is a BBB accredited A+ nonprofit organization helping people become debt free one household at a time. You can be debt free, Freedom Debt Management can help.

Nonprofit Credit Counseling Services

Tue, 24 Aug 2010 06:09:33 GMT

Since its opening debut in 1950 credit card debt has been an ongoing problem as consumers began going into debt at an alarming rate. Trapped into unbearable terms and fees the cycle hasn’t changed much since inception. 85% of consumers in America have a household credit debt of $8k or higher, sources say.

Dreams aren’t much different today either. Like days before, the American dream to be debt free still sleeps on as we continue creating more and more debt with little hope to an end nearing of this vicious cycle. Unlike 1950 though, there are many different options available today to consumers who are genuinely tired of economic enslavement and are ready to get out of debt and stay out. Education, patience, and a relearning of behavior are key to success once one becomes debt free, to ensure they stay debt free.

Credit counseling, created by the federal government, was implemented to provide financial counseling services and assistance to consumers interested in exploring alternatives to becoming debt free. More affordable payback plans are established that cater to the consumers ability to pay and a goal of becoming debt free in 5 years or less.

Agencies that are nonprofit, have established strong relations with creditors to provide clients lower interest reductions, lower payments, and freedom from debt in 5 years. The consensus is, a true nonprofit is geared toward assisting consumers in paying back their debt without impaling the consumer with exorbitant fees for services. Nonprofit credit counseling organizations do charge nominal fees to cover administrative costs but most of the counseling service fees are paid by the lender themselves.

A certified credit counselor working for a nonprofit credit counseling agency will first assess your situation in a free financial analysis, outlining your debt to income ratio, assets and liabilities. Once your assessment is complete the counselor can then quote an affordable monthly payback plan that coincides with the creditor guidelines for debt consolidation. As the minimum monthly payment terms are agreed upon creditors then instill program benefits such as the stopping of fees and reduction to interest to lower fixed rates- usually in the single digits. This enables the consumer to payback the debt at a reasonable rate and within a reasonable time frame.

When Do You Need Credit Counseling?

You can’t pay the minimums on your credit cards.
The interest rates are too high and balances aren’t going down.
You want to improve your credit score by lowering your outstanding balances faster.
You’re consistently late paying one or more of your regular bills.
You’re being harassed by creditors and collection calls.
Your efforts to work out reasonable repayment plans with your creditors have failed.
Your accounts have gone more than 6 months past due and legal pursuit has been executed.

Speaking with a certified credit counselor and receiving a free financial analysis of your household budget and credit debt will give you a better idea of what options are available to you that are within your fiscal means. Working with nonprofit credit counseling services can improve credit while eliminating debt in 5 years or less. For more information or a free financial analysis call and speak to a certified credit counselor today. BBB rated A+ nonprofit budget and credit counseling, call 800.905.1563 or visit our website freedomdm.org and LIVE CHAT or complete our contact request form and see what options are available to you. You can be debt free, freedom debt can help.

FDCPA Consumer Rights

Wed, 18 Aug 2010 09:21:15 GMT

Collection calls can become unruly and unprofessional but they do not have to. Most calls that entail such are usually in violation of your rights under the Fair Debt Collection Practices Act. What you don’t know can hurt you. Take an accounting of these common unlawful tactics that are in direct violation of your consumer rights under the FDCPA.

1. Ask you to pay more than you owe
The collector cannot misrepresent the amount you owe.

2. Ask you to pay interest, fees, or expenses that are not allowed by law
The collector can't add on any extra fees that your original credit or loan agreement doesn't allow.

3. Call repeatedly or continuously
The FDCPA considers repeat calls as harassment.

4. Use obscene, profane, or abusive language
Using this kind of language is considered harassment.

5. Call before 8:00 am or after 9:00 pm
Calls during these times are considered harassment.

6. Call at times the collector knew or should know are inconvenient
Calls at these times are considered harassment.

7. Use or threaten to use violence if you don't pay the debt
Collectors can't threaten violence against you.

8. Threaten action they cannot or will not take
Collectors can't threaten to sue or file charges against you, garnish wages, take property, cause job loss, or ruin your credit when the collector cannot or does not intend to take the action.

9. Illegally inform a third party about your alleged debt
Unless you have expressly given permission, collectors are not allowed to inform anyone about your debt except: Your attorney |The creditor | The creditor's attorney |A credit reporting agency your | spouse | Your parent (if you are a minor)

10. Contact you at work knowing your employer doesn't approve
A collector is not allowed to contact you at work if you’ve let them know your employer doesn’t approve of these calls.

11. Fail to send a written debt validation notice
Within five days of the collector's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days.

12. Ignore your written request to verify the debt and continue to collect
A collector can't continue to collect on a debt after you've made a written request to verify the debt as long as the request was made within 30 days of the collector's written notice.

13. Continue to collect on the debt before providing verification
After receiving your written dispute, the collector must stop collecting on the debt until you have received verification.

14. Continue collection attempts after receiving a cease communication notice
If you make a written request for the collector to cease communication, it can only contact you one more time, via mail to let you know one of the following: that further efforts to collect the debt are terminated, that certain actions may be taken by the collector, or that the collector is definitely going to take certain actions.

Repeated violations should be recorded and reported immediately. If you feel you have been a victim of collection harassment call a certified credit counselor for a free financial counseling session and see what options are available for you. You have rights and there are nonprofits out there who will work for you to eliminate collection calls and unscrupulous finance charges and fees. Call 800.905.1563 or visit our website freedomdm.org and LIVE CHAT with a certified credit counselor. You can also complete a contact request form and a certified credit counselor will get back to you within 24 business hours. Our BBB Rated A+ nonprofit counseling services have helped thousands of consumers like you stop collection calls and end creditor harassment. You can be debt free, Freedom Debt can help.