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Wednesday, March 23rd, 2016

Beware Of Catchy Debt Consolidators

By Andi Wize

Debt consolidators usually attract positive attention at the start because they give the impression that they will neatly arrange all your debts into an organized and even lighter one. Their campaigns make debt relief seem to be so straightforward. They will just consolidate all your bills and convert the interest rates to as low as 0%. Unfortunately, people who have fallen prey to them have experiences worse than the opposite of these empty promises.

Normal tendency when experiencing financial crisis is to get loans to cover up for previous credits. This being a well-known phenomenon, debt consolidators do their best to entice people into these types of situations with debt consolidation loans which promise easy and immediate processing and approval as well as lower monthly payments and interest rates. Being close to desperation, people tend to become easily lured by such and grab them without a second thought.

If these people only compute how much they actually pay in totality, they will surely be surprised that it is a lot higher. Sure, the monthly payments are lower but this is mainly because they are spread over a longer period of time. What are usually unnoticed are the interest rates which are, in fact, higher. In most instances, rates go as high as 21% or 22% and these subtly and discreetly wring people in their necks while burying them deeper into a financial rut.

Debt consolidators also assure customers that they will be in charge of everything. They will apparently coordinate with your creditors. All that is left to do is make one easy payment every month. However, what happens in reality is that they actually charge for such service by taking hold of about 10% of payment given monthly. This is about $50 for every $500 monthly payment. Instead of such amount being used to significantly reduce debt, it automatically goes to the deceiving hands of debt consolidators.

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Most of their services are obviously those which you can do on your own given the right information. You yourself can negotiate with your creditors to make payments more manageable in the light of a current financial difficulty. You need not shell out such a big amount for that. Most creditors are willing to bend a little if only they will be aware of the circumstances.

What makes doing the negotiations and payments on your own a lot better is that certain cases have already been reported where the debt consolidators themselves are making late payments. They regularly ask the payment from their customers but they remit them late thus causing the customers more charges which they are not made aware of. Such will only be added up to the monthly payments unnoticed.

Balance transfer cards are also prevalent nowadays which are usual debt consolidation tools. Just the same, they promise lower interest rates. However, you have to take note that such low rates aren’t going to be the case forever. After a few months, they will increase. Of course, when that happens, you will look for another provider. The network of credit companies sees this kind of activity and considers you as a risk thinking that something else is behind your switching. Thus, your switching may not be approved and you are left without a choice but hold on to the card and suffer with its high rates.

It is obviously wiser to think of other options instead of resorting to the debt consolidators services. Home equity loans, for example, are better options because of their single-digit interest rates which are even tax-deductible. In such cases also, since you do have a home equity, your property may be up for a higher amount refinancing. In turn, you can use the excess money to settle your debts. You may also try personal loans especially if you used to have a good credit history. The interest rate may still be high, around 11%, but this remains to be a better alternative as compared to the 20%++ rate of debt consolidators.

There are several other options that you can try out. If you want to know more about them, you can seek advice and gather information from certain organizations providing credit debt counselling program. Once you have the information that you need, you deal with the situation yourself. Most debt consolidators have already been proven to be unhelpful thus should not take part in your alternatives anymore. You need not worry about being exposed to harassment as there are laws such as the Fair Debt Collection Practices Act to protect you.

About the Author: Article by

CreditCardManual.com

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Tuesday, January 13th, 2015

Best Hair Extension Salons Award Winner 2011

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By Vanessa Show Smith

Over the past thirty years, we have witnessed huge changes in regards to the different areas of the fashion industry. Whether this is the beauty industry, retail industry, or even the hair industry; improved and advanced technologies have evolved the ways in which these industries work and how they can benefit us as the consumer.

In regards to the hair industry, this has altered drastically thanks to the craze that are additions of hair. Although these were barely in existence thirty years ago, thanks to the passion of Rodolfo Valentin, they are now a staple piece of many salons and are fundamental in creating an instantly dramatic alternation to an individual’s tresses.

As the benefits of hair additions became slowly recognized, only Valentin identified the main issue which stemmed from the application process and overall wearing of these extensions. With prolonged wear, the individual’s natural tresses can become severely weakened and damaged and as many of us may have witnessed from the wide number of celebrity magazines that grace our shelves; can even result in permanent hair loss. Valentin realized that additions of hair needed to be completely redesigned in order to help protect the individual’s natural tresses and provide them with gorgeous looking locks. It is after this realization that Valentin designed Hair Infusions which have helped him win the award for ‘Best Hair Extension Salons 2011.

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Using his own, specially designed application technique, Valentin’s Hair Infusion additions allow for a lightweight application of 100% human hair strands which not only allows for a natural and even application of your extensions, but also helps to protect your natural locks, promotion strong and healthy growth. Whereas other brands of hair extensions rely on heat bonding, Hair Infusions are bonded by hand to eliminate any unnecessary damage to the hair, making it the ideal choice of hair replacement for those suffering from any form of hair loss.

Now named as the Best Hair Extension Salons 2011, Rodolfo Valentin is not looking to monetize on this recent success, but instead, look to help make unknown hair additions wearers aware that they can protect their hair and sport luscious, long locks thanks to his Hair Infusions. Recognized as the world’s best hair extensions for a number of years, it comes as to no surprised that Valentin’s hard work and dedication towards promoting healthy and strong hair through his innovative hair extension attachment technique have resulted in his salon being named the best hair extension salon within the state of New York.

With many rival salons looking to profit from Valentin’s exclusive hair extensions, many have opted to fabricate their own versions of Hair Infusion additions with disastrous results. Wearers are not only provided with a cheap imitation of Valentin’s creation, but may also experience loose extensions or hair loss which will damage their confidence and their wallets.

If you’re looking to dramatically alter your appearance safely, are suffering the after effects of hair loss or simply wish to see if these truly are the best hair extensions in the world, visit Rodolfo Valentin’s salon today. As the only official holder of Hair Infusion additions, you will not only benefit from the high quality of care and product, but will also be blessed with the chance to step foot into 2011’s Best Hair Extension Salons.

About the Author: Visit the website:

Human hair extensions, human hair pieces, human hair wigs

Source:

isnare.com

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