Monthly Archives: October 2012

‘This, too, shall pass.’ On the majestic Monarch butterfly now in diminished numbers flying indomitable but for how long? Look up in awe, as this great thing of beauty soars above us, threatened.

Author’s program note.

As I write, in early October, the Monarch has just about finished its great conjuring trick for another year; rising, flying, gliding, dancing in its millions with sun beams as it hastens, like so many snow birds, on to Mexico and the warmth that sustains its kind. There are noticeably fewer of them this year when there were noticeably fewer of them than the year before. Deforestation and acutely diminished habitat have allied with the arid lands wrought by draught to extinguish their own colossal numbers. The millions which still migrate remind us of the millions more that migrate no longer. It is the first somber thought in a story, once glorious, now shadowed by sadness and growing woe.

This is the story of a Monarch once serene and puissant over continents, now beset at all sides by our human kind who venerate but destroy what it purports to love. It is a story that increasingly defines the pernicious business of man upon a planet we have learned too late is not ours alone or ours to sully.

Romulus Augustulus, the last emperor of Rome (d. 507); Moctezuma, the last emperor of the Aztecs (d. 1520); Ferdinand Maximilian, the last emperor of Mexico (d. 1867)…

Some of the saddest people in the history of our species are those born to rule, fated to command, but who in the event not only failed but failed completely, totally, catastrophically. We are drawn to such people who have had everything but ended their tragic lives with nothing. Such people remind us of the mutability of life, its whimsey, capriciousness… and the tragedy that lurks at our margins ready to change our lives forever; sovereigns no longer, just those crowned in irony, like Jesus himself.

Hark, the monarchs arrive!

Throughout history, monarchs, all monarchs, have known the value of a presentation which combines within itself a festival of sight, sound, even smells that proclaim the advent and then the presence of the All Highest. It is a matter of the first importance, and one which no monarch desiring a long and successful reign can ignore. And so for this article I give you “”Music for the Royal Fireworks,” composed by George Frideric Handel in 1749. It celebrated the end of the War of the Austrian Succession and the signing of the Treaty of Aix-la-Chapelle in 1748. It, too, filled the sky with splendor.

This brilliant suite by an established master was worth the war (and its disappointing results). Go now to any search engine and find it. It pleased King George II of England, Handel’s august, happy and glorious master; it has since pleased a long procession of equally fastidious and gratified monarchs. Imagine it as the music signifying the advent, striking presence and inspiring arrival of the most durable of dynasties, Danaus plexippus, the great Monarch butterfly.

Its name.

The common name “Monarch” was first published by Samuel H. Scudder in 1874 because “it is one of the largest of our butterflies, and rules a vast domain.” It is commonly thought that the name was applied in honor of King William III of England, whose elevation in 1688 secured the Protestant religion and its establishment. Thus the Monarch butterfly became the symbol of a sovereign successful in war, far seeing in peace; in short, the ideal monarch.

The Monarch was one of the many species originally named by Linnaeus in his “Systema Naturae” of 1758. It was first placed in the genus “Papilio”. In 1780, Jan Krzysztof Kluk used the Monarch as the type species for a new genus: Danaus, a great-grandson of the king of the gods of Olympus, Zeus. He was a mythical king of Egypt or Libya, who founded Argos. “Plexippus” was one of the fifty sons of Aegyptus, the twin brother of Danaus. In short, royalty in all its aspects was his metier and pressing business.

Its taxonomy.

The Monarch is closely related to two very similar species which formed the Danaus subgenus before 2005. The first is the Jamaican monarch. The second is the southern monarch of South America south of the Amazon river. The southern monarch is almost indistinguishable from the Monarch as an adult, though the pupae are somewhat different; it is often considered a subspecies of the Monarch proper.

However, recent DNA analysis makes the fact clear that the Monarch and southern monarch are quite distinct from each other. Monarchs value such findings; after all successions to the throne and who rules (or who doesn’t rule) a kingdom is often the result of a slight genealogical advantage and the (almost) inevitable war that was necessary to ensure the desired result.

Its range.

Monarch butterflies reign over a domain larger, far larger, than Rome’s empire at its height. It ranges from east of the Rocky Mountains to the Mariposa Monarca Biosphere Reserve within the Trans-Mexican Volcanic Belt in the Mexican states of Michocan and Mexico. The western population overwinters in various sites in central coastal and southern California, notably in Santa Cruz, and Grove Beach. Monarchs understand that a territory unvisited is a territory lost to someone else. Thus each year, they undertake what earlier sovereigns called “a progress”, that is descending en masse on the land of a valued member of the Court; “honored” to become bankrupt entertaining the king. The monarch’s mere motion is considered a command; noblesse oblige.

Its greatest achievement.

Even school children know what the Monarch is renowned for… flying some 2500 miles in the autumn….. flying some 2500 miles in the spring. Everything about this audacious migration interests us. Why do they do it; how do they know when to do it; how do they stay in the sky so long; how do they know where to go and why do they, without the gadgets of mankind, unerringly find their way? And we want to know, too, why predators, birds for instance, don’t turn so many flying kings into a mash fit for them? Like I said, everything about these graceful flyers interests us. Here are some answers and some queries yet unresolved.

What causes millions of these insects, so popular with the public that at least five states (including Alabama, Idaho, Minnesota, Texas and Vermont) have adopted it as the state insect? Scientists do not know thus leaving each to forward his own as yet unproven hypothesis: sun angles, or visual cues such as coast-and-ridge-lines, or an internal magnetic compass. But these are unproven assertions, not fact; that the monarchs keep secret in their genetic code. It is the “secrete du roi” and, for now it remains so.

But there is one thing we do know about the Monarch; it is a thing the monarchs themselves wish to have disseminated as widely as possible, namely that they have certain protection against predators like birds. When monarchs reach the southern, warmer climes, they lay their many eggs on milkweed plants, then die. When the eggs hatch, the caterpillars feed on the milkweed, ingesting nourishment and, equally important, milkweed toxins which do a nasty job on a bird’s stomach. If they make that mistake once, no bird ever makes it again. Monarchs think it a courtesy to predatory birds et al to get this intelligence out… and now they have. Unfortunately they have no such remedy for man and his depredations, depredations which are destroying everybody’s habitat, Earth.

A boy remembers.

When I was growing up in Illinois over 6 decades ago, I’d take a break from mowing the yard on a hot and sticky day to watch the perfection of the Monarchs as they wafted from plant to plant, always the masters of grace and grandeur. It grieves me more than I can say to watch them dying by inches before our eyes, instead of flying high, coloring the sky and making us happy, glad such a thing of enchantment and magnificence, sublime, exists…. but for how long, how long? We want the great Monarch to pass — over head, not into history as a beautiful thing that was but is no longer because of our negligence.

About the Author

Harvard-educated Dr. Jeffrey Lant is CEO of Worldprofit, Inc., providing a wide range of online services for small and-home based businesses. Services include home business training, affiliate marketing training, earn-at-home programs, traffic tools, advertising, webcasting, hosting, design, WordPress Blogs and more. Find out why Worldprofit is considered the # 1 online Home Business Training program by getting a free Associate Membership today. Republished with author’s permission by Daniel Fischer Check out Massive Traffic Ultimatum ->

At a lunch counter in Harvard Square. A place of friendly people and tasty meals; a dinosaur en route to extinction. Some thoughts.

by Dr. Jeffrey Lant

Author’s program note. We’ve been having a lot of rain lately here in Cambridge, Massachusetts. It’s the kind of rain that all locals greet with amiable forbearance, saying even to total strangers (especially if they are grumbling), “We need the rain.” It makes us feel important when we say it; as if we were trained agronomists advising farmers on the matter of rain, when, where, how much. Of course it also needs to be said that when we hear other people say it, we regard them as conversation impaired, offering up such banality with such seriousness.

Ordinarily, weather doesn’t interest me very much. Rain or shine inside a penthouse where the shutters in my office are always closed, no exception; looks much the same, as do day and night. Others may not like such a situation, but it suits me and my pursuits perfectly. It’s not only where I do my writing but where my daily webcasts and running commentaries take place. The shutters and two fine verde mare marble columns once in a French palace constitute the elegant back drop to subjects discussed which may be anything but.

Yesterday, however, the rain lifted and even I, the ultimate urban dweller clueless on the rhythms and rhymes of nature, thought descending from my ideally appointed space capsule was in order. I grabbed the Harvard cap one of my visitors had forgotten and left behind; took an umbrella that another of my visitors had forgotten and left behind. I was ready for an excursion, lunch in Harvard Square was indicated…

“The Square”, isn’t.

Irregularly shaped and sprawling Harvard Square is one of the half dozen places on Earth every person of consequence, real or imagined, visits at least once in a lifetime. It is a place of human flotsam and jetsam; of people who come to move up (including future presidents of the Great Republic) and those who are down on their luck, street dwellers who solicit those who feel generous for giving a buck or two, which will probably end up amongst the blood-stained profits of one Mexican drug cartel or another. But Mexico and its hecatombs and legion of hapless victims are too far away to worry about, especially as so many of its leaders were schooled at Harvard, which is just the way it’s supposed to be.

Down Massachusetts Avenue, the brick sidewalks muddy and wet, passersby smelling like a dog left out in the rain.

I am walking to lunch on the sidewalk along Massachusetts Avenue; “Mass Ave” to the cognoscenti who are past masters at making people like you seem unsophisticated, unhallowed, unready for the world Cambridge folk are imagining and inventing this very minute. These multi-degreed paragons are the planet’s movers and shakers. They want to be sure you know this about them instantly, so that they may then exhibit the modesty for which they will one day be so renowned despite so many momentous achievements. But this is now… and so they regard modesty solely as a trait for those who have much to be modest about — that would be you.

Labor Day Week-end, 1969.

I am in my stride now passing one Harvard-owned property after another. Here the lavish donations of long dead alumni are put to current use, fully rented out generating still more money for The World’s Greatest (and already Richest) University. The kinds of shops tell you much about the place and its inhabitants: bank, ice cream parlor, smoke, ice cream parlor, bank, Harvard insignia, ice cream parlor, bank. Get the picture? The Square has more banks and ATMs within a few blocks than many cities as well as untold tons of ice cream.

Because Harvard students are the most privileged people on Earth, strident calls for world revolution and sweeping change rarely have much presence either in the Square, or in Harvard Yard, the heart of the place. People who like the status quo are hardly likely urge its destruction. Yet John Reed ’10 did so urge. “Red” Reed is buried in the Kremlin’s walls. Even that dubious honor needs must go to a Harvard man. We wouldn’t want it any other way, even though he was Red; at least that’s a shade of crimson.

Even the homeless like the situation as it is, idling life away, supported by those who can only imagine having so much free time since they do not, and never will. Thus instead of earnest young people, grim faced and determined (at least until winter arrives to chill their resolution), there are boys with pony tails selling designer ice cream to undergraduates who will one day (and not so distant either) rule the world and reap its benefits. They already regard each day at Harvard as the best years of their lives; Harvard likes it that way. The more they think like that, the bigger their alumni contributions over the many years to come… and so memory and remembrance help Harvard wax richer.

I arrive. 1246 Mass. Ave.

About 10 minutes from the time I entered the elevator, I am at my destination, a place of importance for two reasons: first, this is my first memory of Harvard; the moment I saw Harvard and the Square for the first time; Labor Day Week-end, 1969. And because I remember everything about that epiphany, I clearly remember Mr. Bartley’s. That’s where I shall lunch this day… but not because I am nostalgic about food, but because the food is good and, for once, I am really hungry.

A hole in the wall, a dive, a joint.

Bartley’s opened its door (it has but one) in 1960, just 9 years before I arrived in Cambridge to start my graduate work. I cannot tell you how many times I’ve gone, but dozens seems conservative. What’s more, more times than not I order what I always order because I like it: large raspberry lime rickey (to be refilled); Burger Supreme medium well, onion rings, extra dill pickle. If I ate this same meal every day, I might be thought to be in a rut, but going just two or three times in a year to order and devour this specialite’ of the house makes me a connoisseur; I insist on the description.

Uncomfortable, packed like sardines, chairs too low.

Let me be plain with you; if you are not willing to overlook its inconvenient aspects, if you insist on every amenity, then you will never be happy at Bartley’s which in an astonishingly small space packs in an astonishing number of chairs, booths, human and machine food cookers, waitpersons, the raspberry lime rickeys that I crave and can nowadays get nowhere else — and the lunch counter.

Bit by bit you see just how much is going on in this compact space. The walls are covered with clever sayings, double entendres, pictures of film stars, pictures of politicians, and accolades for its signature “burguhs”. You want to get up to see these better but chances are you’d be tripping over a few people to do so; unless you come right at opening there is no chance you’ll get to do this. You’ll have to return. After over 40 years I still have not seen it all.

The first time a waiter screams “Burguh Supreme” at the cook, you’ll be startled, but pretty soon you’re screaming your comments and conversation at the top of your voice, like you’ve been coming for decades, and here the sheer proximity of other hungry humans, from Kansas, Greece, or Timbuktu works its singular magic.

Forced to be close to them, you make your choice, a choice with universal implications. Either you decide to ignore your very near neighbor, or you talk to them, like our fathers and grandfathers used to talk… up close, personal, direct, often humorous, even hilarious … but talk… to the astonishment and discontent of the young, who are at first often affronted and monosyllabic when an adult like me offers a comment, an introduction, an opening to the wonder of people meeting each other and actually conversing, not just texting some inane, impersonal drivel. Bartley’s works because the food is good and, if you’re lucky, you’ve made a new friend…

This is the way America used to be and now so little is, for along the way we have lost the ability to talk with our neighbors about everything, about anything, about nothing in particular. Now we want what Greta Garbo wanted, “to be left alone.” And then when we are, we text message wildly in a vain attempt to conjure the kind of relationship text messaging can never supply.

So, now a newly minted old age pensioner of 65, I shall keep going to Bartley’s, where I shall inform everyone (especially the staff not one of who was then born) how long I’ve been coming, like old codgers do. I shall ask for help getting into and especially out of the blue plastic chairs which always make me feel older than the hills. I shall greet the only senior on the staff and will politely turn down the offer of a menu. I know what I want. And I shall say something like this to the person sitting across from me, “You look like Ernest Borgnine.” “Oh, yeah, didn’t he just die?…” I am on my way to acquaintance with all its myriad of possibilities.

And while I wait for the best burguh on Earth, I will wonder how much longer Bartley’s will last, its price for burguhs being the highest in the Square, each increase a nail in its coffin.

However for now I intend in my small way to help keep them alive, a place of good food and the chance to connect with another human or two. And so I have selected as the music for this article, the 1964 tune by the Newbeats “Bread and Butter”. It’s a peppy little number, completely foolish and inane, about his food and his woman. “She don’t cook mashed potatoes/ She don’t cook T-bone steaks”. No, she secretly gets them at Bartley’s… where she also found her new boyfriend, a man who really appreciates “her” cooking! Find the story in any search engine… and enjoy.

About the Author

Harvard-educated Dr. Jeffrey Lant is CEO of Worldprofit, Inc., providing a wide range of online services for small and-home based businesses. Services include home business training, affiliate marketing training, earn-at-home programs, traffic tools, advertising, webcasting, hosting, design, WordPress Blogs and more. Find out why Worldprofit is considered the # 1 online Home Business Training program by getting a free Associate Membership today. Republished with author’s permission by Daniel Fischer

WordPress Blogs Make A Great Business Site

WordPress marketing is one of the most popular software tools available on the internet today. It has the ability to be used while creating a blog or a website for your business, the choice is yours. A lot of web owners in today?s internet world prefer using blogs as a business site. There are great benefits to using blogs for your business site when you are using WordPress.

You have the ability to use WordPress to create a blog that quite simply does not act or look like an actual blog; but also it gives your site business and search engine advantages more than any other software offers. There are many reasons why WordPress blogs make great business sites but the top five are listed here.

1. Updated Frequently:

When you are running a WordPress blog you are updating it on a daily basis and search engines just love that. Your fresh and original content that you place on your site is virtually irresistible to any of the search engines. Search engines thrive on new content and the more you provide daily the more the search engines will grab on to this information and your ranks will rise in the search engines as a result.

2. Keyword Searches:
When you create a WordPress blog keyword searches will occur more naturally. This means that people will be able to find your site more easily when they are searching by a keywords. If your competitors are not using WordPress in their blogs this will pull you ahead of them in the search engines. If they have already been using WordPress for their blog you will just have to use some extra effort to beat them in the ranks. Search engine rankings are just too important these days for businesses not to take advantage of these WordPress blogs.

3. Events:
When you post an event or date the webcrawlers tend to attach themselves to these easier and quicker. So if you wish to schedule an event for your visitors or just wanting to promote a new product short news announcements work great with WordPress.

4. Subscribe:
By using RSS fees people are able to subscribe to your site and get notified immediately when new content has been added. This is a great feature for those that are constantly adding new products or features to their site. This will save them time from sending out bulk emails. All they have to do is post the new content and the email is automatically generated for them.

With a blog your visitors are allowed to leave comments on your site, if you want them to. This will help increase interest in your site and gets visitors to come in more often. It will also increase your search engine results because this will add original new content to your site. A final advantage to comments on your site is that it is a great way for you to network and learn about new developments in your field that you may have not known otherwise.

As you can see there are advantages of using a WordPress blog for your business. These are just the top five but there are many more. It would be wise to create a WordPress Marketing blog for your business today.

Daniel Fischer is the Owner of Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter. Check out Info Cash ->

Debt Consolidation Leads

Learning to market to your target audience affectively takes dedication and sometimes grueling hard work. In the industry of Debt Management and Consolidation leads are often generated many different ways. Learning to properly generate positive leads can take time and money! Marketing your niche to the World Wide Web is successful through creating good marketing strategies and providing services that no one else has. To find out just what you offer to your clients don?t have you will need to do some research or have experience in this field.

Discovering new ways to draw potential customers or leads will take creativity, persistence and dedication. Going the way everyone else does will be competitive and may create a sense of defeat. The cost of using keywords to generate leads can also be costly. Finding keywords that are not being used, irregular spelling, etc?will increase your chances of spending less money per click and getting more visitors to your site hence more potential customers.

Forms of Lead Generation in Debt Management:

Traditional Marketing: This involves vigorous and excruciating hours of cold calling, as well as posting classified ads in the Debt Management or Debt Consolidation categories. Traditional Debt Consolidation loan leads were generated by word of mouth or various Advertising in print or brochures, etc?

Squeeze pages: This form of marketing can generate Debt consolidation leads by writing a catchy article or sales letter and having the interested party type enter their information before the page is accessed! This will give you a true potential lead you can market you services too. Some squeeze pages require the potential customer to fill out a survey providing you with more information on the lead to manage what you need to send out.

Article writing: Generating articles will give you an informative and catchy way to bring in the customers. Pulling them into the site this way will peak continued interested and gives you potential customer information for further use.

Network Marketing: Networking with other communities in your industry will allow you to get your site out without creating a lot of extra cost. You can generate a great following from social networking groups in your field and share strategies, what works and what doesn?t work reaching the globe with the click of the mouse.

Overall Debt Consolidation loans and debt management leads will provide you with great chances of a successful company. However you must be sure that the leads you create will give you leads that are in your target audience. Do not try and sell debt management services to someone looking to by a car, it just doesn?t work. This could set you back in advertising costs and well as time.

Looking for the leads will give you a better idea of what others are looking for and provide you with the necessary materials to succeed. You also need to be looking for what others don?t have this research will enable you to create new strategies. Think about all we have learned here in a matter of minutes now think of what you could learn form all the marketing you will be doing, brilliant really!

Daniel Fischer is the Owner of Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter. Check out Info Cash ->

You Should Use A Debt Reduction Spreadsheet To Guide You

If you?ve been looking for ways to get out of debt, then maybe a debt reduction spreadsheet might be the perfect tool for you. There are plenty of free downloads available, as well as some excellent professional debt elimination calculators designed for spreadsheets.

The idea behind using a debt reduction spreadsheet is to give you an accurate picture of your current financial situation. As you work towards repaying your debts, you enter the changes into the spreadsheet so you can track your progress.

It?s also a good idea to enter any changes to your income or expenses so the calculations inside your spreadsheet can make the necessary changes. Depending on the type of program you?re using, you might find that the calculation can change the estimated date that you could be debt free, or it might amend the amount of money you have to spend in your budget each week.

When you?re working hard to get rid of your debts, finding ways to keep yourself motivated so you?ll stick to your goals is important. This is where finding a good program to help you monitor and track your progress can be most beneficial. You can actually see the progress you?re making, which can help to keep you focused and on track.

Not all debt reduction spreadsheets are the same. Some are designed to work with very different debt reduction strategies. Perhaps the most popular of these is the snowball method. This is where you aim at paying down the debt with the smallest balance first, regardless of the interest rate you?re being charged. The object is to give you a sense of achievement to help motivate you to aim at the bigger debts in line. The snowball method works really well with the help of a spreadsheet designed to show you where you need to focus and what debt to pay down first.

Another popular method is opting for paying down the high interest debt first rather than the smallest balance.

The most important factor of using a debt reduction spreadsheet is remembering to enter any changes in your situation on a regular basis. The more often you remember to enter new balances or changes in interest charges or income levels, the more likely it will be that you?ll continue to find the motivation to keep going.

Many of the spreadsheets have in-built calculators that can show you how long it will take you to pay off your current debts based on the numbers you?ve entered. This is usually a trigger for many people to look for ways to reduce their expenses a little further so they?ll have more income available to put towards debt reduction. When you make those changes in the spreadsheet, you?ll instantly notice how much faster those little changes will help you become debt free.

Of course, you can customize your debt reduction spreadsheet so you get to choose which debts you want to focus on paying off first. No matter what your preference, download a calculation tool that?s designed to help you get back in control of your finances today.

Daniel Fischer is the Owner of Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter. Check out List Building Automation ->

Debt Reduction Planning Is The Key

Did you know Benjamin Franklin said ?We don?t plan to fail, we fail to plan?? Spending some time on debt reduction planning could really increase your chances of success.

If you know your finances are a mess and you?re struggling with a mountain of debt, then you need to create a plan of attack to help you get rid of your debt properly. This means reducing your balances and working on your spending habits at the same time so you don?t end up back in the same situation in future.

Step 1: Evaluate
Write a list of your current consumer debts. If you have credit cards, store cards, payday loans, car loans, personal loans or other consumer debts, include them here. Bigger debts like mortgages or student loans generally have lower interest rates, so for your debt reduction planning, you will be working on those debts with higher interest charges.

Include the names of your creditors, how much interest you?re being charged, your total balance and your monthly repayments.

Step 2: Budget
When you have a list of your total monthly repayments, write down how much income you have coming into the house each month after taxes. Then write down all your living expenses. It?s easy to remember the bigger expenses, like rent or mortgage payments, groceries, fuel, child care, utilities, insurances and any other living expenses you have.

Deduct the total amount of your living expenses from your after tax income. This figure is the amount you have left over to put towards debt reduction. From this amount deduct the figure you worked out in step one for your total monthly repayments.

Many people get a surprise at this stage to see that they spend more than they earn each month. If you have a negative amount after you?ve worked out your figures, then you?re in serious need of a debt reduction plan.

Step 3: Create Your Debt Reduction Plan
When it?s time to create your debt reduction plan, begin by circling the debt with the highest interest charge. This debt is costing you the most money, so it makes sense to get rid of this one first. Work down your list of debts from most expensive to least expensive. This is the order you?ll be working on repaying them.

Change all your other repayments down to the bare minimum amount due on your list and put any extra money from these towards the most expensive debt first. Any extra money you have, either from bonuses or pay rises or even just if you hold a yard sale, put it towards paying off your debt.

Step 4: Negotiate
Take a careful look at the amount you?re being charged in interest. It?s outrageous! Call your creditors and ask if they?re willing to negotiate for a better rate or if they have an alternative product to offer you that is cheaper. If the representative is unhelpful, immediately ask to speak to the customer retention department. Lenders are more willing to negotiate if they think they?ll lose a customer.

Reducing how much you pay in interest can often reduce your monthly payments as well, which gives you more money to put towards debt reduction.

Step 5: Follow Your Plan
Once you have your debt reduction plan in place, do your best to follow through with it. Update the list you made as each of your balances begin to drop and don?t give up on your efforts. Be patient and work through your plan until you succeed.

Daniel Fischer is the Owner of Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter. Check out Chronic Commissions ->

Debt Reduction Loans – Do They Really Work

Can you really get your level of debt under control by using debt reduction loans? Sometimes called debt consolidation loans, the object of debt reduction loans is to help you reduce your monthly repayments to a more comfortable level that can help you to regain control of your finances.

How Do Debt Reduction Loans Work?

If you have credit cards, store cards, payday loans or other unsecured debts, then you?ll know how scary some of the interest rates being charged on your balances can be. Rolling your balances over to a debt reduction loan can mean you?re paying much less interest on the money you owe, which can significantly reduce your monthly repayments.

You may also have noticed that the minimum payments due on your credit cards and other consumer debts barely cover the interest charged. With debt reduction loans, the repayments are calculated to be principal-and-interest payments. This means a portion of each repayment is allocated to pay the interest due, but the other portion of your payment directly reduces your balance.

This gives you the opportunity to reduce the amount you owe very quickly and get out of debt for good.

Can Debt Reduction Loans Get You Out of Debt?

If you?ve managed to consolidate your unsecured debts over to a debt reduction loan then you should already be saving money on your monthly repayments. By putting some of those savings towards paying extra amounts off your debt, you really can reduce your balance quickly and finally get rid of those debts once and for all.

Unfortunately there are many people who use those cash savings to pay for daily expenses, so the consolidation loan gets relegated to a lower priority and people begin making only minimum payments on the new loan.

What Can Go Wrong with Debt Reduction Loans?

Far too many people apply for debt reduction loans believing they?ll be miraculously able to become debt free as soon as the new loan takes effect. What they forget is that they often have lifestyle expenses and spending habits that got them into financial difficulties in the first place. A debt reduction loan is only effective if you take the effort to mend the spending leaks in your budget so you won?t get back into the same situation again.

Once your credit cards might have been rolled into the new consolidation loan how will you pay your upcoming bills? Will you have enough cash left over from your current income to resist the temptation to go out and apply for a new credit card at the first sign of financial trouble?

There is a large percentage of people who take out debt reduction loans, only to find that they have at least one new credit card in six months time. Not only do they have a consolidation loan balance to pay off, but they also carry a credit card balance that needs to be paid off too. This puts them back at square one and in more debt than before they started.

While debt reduction loans can be a great way to regain control of your finances, if you?re not careful they could also be a way to get you into even deeper financial trouble than you were in before you started.

Daniel Fischer is the Owner of Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter. Check out e Master Classes ->

Debt Reduction Loan – Consolidate Your Debt

A debt reduction loan is sometimes also called a consolidation loan. It might just be the right solution to help you get out of debt if you use it the right way. However, if you use it the wrong way, you might just find it could land you in a lot more trouble than when you started.

How a Debt Reduction Loan Works

The idea behind a debt reduction loan is to roll all the balances of your high interest credit cards, store cards or other personal debts into one easy loan. You only have to think about finding the cash to repay one loan instead of worrying about keeping up with multiple repayments on all your old accounts.

In most cases, your consolidation loan will have a much lower interest rate than you were previously paying for your combined old debts. This usually means your repayments will be much lower every month as well. You?ll really notice the extra cash you have left over at the end of every month.

On the surface it really seems like a debt reduction loan can be a great idea. However, there are some things that could go very wrong if you?re not careful.

Getting Out of Debt with a Debt Reduction Loan

When your new lower repayments begin, you should notice an immediate difference in your repayments. Try to take advantage of your reduced repayments by putting paying more than the minimum repayment on your loan.

Paying more than the minimum will help reduce your balance more quickly, which helps get you out of debt faster. It also decreases the total amount of interest you pay over the loan term.

What Could Go Wrong with a Debt Reduction Loan?

Once you?ve consolidated your old credit cards, store cards or other consumer debts, you only have the one new loan to think about. This is great in theory, but what happens the next time you go to the mall?

Many people who have debt problems are so accustomed to buying whatever they want on credit that when a new bill arrives or a shopping trip tempts them with new treats to buy, their first instinct is to reach for the plastic.

If your cards are all paid off and closed, will you be tempted to go out and apply for a new credit card ?just for emergencies?? Statistics show that a large percentage of people who have consolidated old debts will end up with at least one new credit card within six months.

Not only will you have a consolidation loan to repay, but you?ll also have a new credit card balance to pay off too. Effectively this puts you back to square one or worse.

In order to make a debt reduction loan work for you, it?s important to address your spending habits so you won?t end up in the same situation again in the future. Avoid applying for more credit and make sure you put the savings you make on reduced repayments to good use.

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Debt Reduction Calculators – Help Regaining Control Of Your Debt

If you?re serious about finding ways to get out of debt, then there are plenty of debt reduction calculators that can help you work out a plan of attack.

Debt reduction calculators can be an excellent way to help keep your motivation levels high and show you what effect your actions are having on your total debt balances. It?s incredible to think that just an extra $1 per week can potentially save you thousands of dollars in interest. If you enter your own numbers into a calculator and then change your repayment amounts to reflect any extra amounts you can afford to pay, you can add up how much interest in total you?re paying and how much you could be saving.

You can also work out how long it will take you to get out of debt based on your current payment levels. If you?re only paying the bare minimum repayments on your debts now, then you might be surprised at how many years it will take you to get out of debt. The result is usually a much bigger number than most people expect.

Using Debt Reduction Calculators

When you?re ready to work out a plan of attack to get out of debt, enter your numbers into a debt reduction calculator. You?ll usually be asked to enter your current income after tax, the amounts you owe, how much you?re being charged in interest and what your current repayment amounts are. Take a careful look at your starting point.

Now change the interest rate to a lower amount and take a look at what it does to your repayment amounts. If you had that extra amount of money in your pocket each month instead of giving it to a bank, would that make life easier? What if you put that extra money back towards your debt reduction plan as extra payments? Take a look at what happens to your debt levels if you increase the amount of extra repayments you make.

Figure out where you might be able to cut back a little of your current spending and add those savings to your debt reduction figures. Even a couple of dollars can make a difference to how quickly you can pay off your debts.

Regaining Control of Your Finances

Debt reduction calculators can help you work out a realistic plan that could give you the direction you may have been looking for to get rid of your debts and get your finances back under your control. It?s surprising how many people don?t have a clear idea of where their money goes each week and then they struggle to keep up with repayments, getting further and further into debt.

Take a few minutes to enter your numbers into good debt reduction calculator and you should begin to see where much of the money you work so hard to earn goes each week. Your next step is to take a look at some of your other spending patterns to see if you can find ways to cut back on any other costs.

Once you?ve played with the numbers in a good calculator, hopefully you will have realized that it is possible to reduce your level of debt if you work through your plan of attack and stick to it.

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Debt Negotiation Companies – Can Be A Lifesaver

Debt negotiation companies can help you to get rid of your debts and reduce the total amount you owe. Sometimes also called debt settlement, debt negotiation occurs when a company liaises with your creditors on your behalf in an effort to get them to agree to a reduced amount of money as being payment in full for your debts.

While this sounds like an easy way to get rid of your debts, the reality is you must already be several months behind on your repayments to qualify for a negotiation program. With payments already delinquent, it?s likely your credit has been affected negatively anyway. You?re also likely to have penalty interest fees and overdue payment charges added to your balances, which makes it even harder to catch up.

In some cases, debt negotiation companies are able to negotiate to have the penalty interest charges waived and the overdue fees removed. Once these are gone, they can begin working to try and reduce the balance you owe.

Why Will Banks Negotiate My Debts?

Banks realize that if you?re already several months behind on your repayments, then there is a chance you may file bankruptcy. If this happens, they won?t get back any of their money and they will then need to write off your unpaid debts as bad debts.

When a customer is in severe financial difficulty and asks for a negotiation to represent payment in full, banks will often realize that it?s better for them to get back a little of their money rather than nothing at all. In many cases you could negotiate to have your debt reduced to around 40-50% of your total amount of debt.

Can I Negotiate My Debts On My Own?

It is possible to apply for a debt negotiation with your lender on your own, however many debt negotiation companies have long-established connections with most lenders and banks. This can often give them a little more bargaining power as they?re presenting multiple applications.

Another advantage debt negotiation companies have over individuals is that they?re able to discuss the terms of your settlement with calm, professional detachment. An individual is often distressed and upset by their financial difficulties, which can make them quite emotional when trying to work towards a settlement agreement. Bank representatives are often less helpful with customers who appear to be emotional.

How Do I Find the Best Debt Negotiation Companies?

Before you agree to any services from a debt negotiation company, always take a little time to do some homework. Ask about the fees and charges that will be incurred for their services and check the internet for any complaints about that company made by any other clients.

When you think you?ve found some suitable companies, ask them for references. If the company representative tells you that they can?t supply references because of privacy issues, take your business elsewhere as this is not a valid excuse.

Once you?ve found the right debt negotiation companies to help you, work on getting rid of those debts and regaining control of your financial situation.

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