Debt Settlement : What You Need To Know
Debt Settlement companies work with your creditors to help you reduce your unsecured debts though arbitration and negations. The important thing to realize about Debt Settlement is that it is a different type of program than Consumer Credit Counseling or Debt Reduction. Traditionally, these types ... more...

The Truth About Shopping for Mortgage Rates
With so much lender advertising focusing just on rates, you may not be aware of the importance in choosing an experienced, reliable loan professional who can match you with the appropriate loan program. Good loan officers and mortgage brokers may quote todays rate when asked, but they will quickly ... more...

The Howl - Monthly News Letter -Issue #2
The Code of Conduct ---- It seems almost ludicrous that this is a topic that many of us should consider in privately held distributorships.When I suggest there may be a need for a Code of Conduct I am not talking about a need based on employee behavior, I am talking about the need based on family ... more...

Playing Music or Other CDs With a Code Free DVD
The technological jump has been instrumental in revolutionizing the entire home entertainment scenario. Region free DVD players ushered in a new era of change, which has impacted viewing and listening experience the world over.Now we have all seen CDs. They are present literally everywhere. Our ... more...

Planning Your In-Wall Speaker System
So youve finally decided to get your favorite music throughout your house. Whats next? Where do you go from here? That depends upon your requirements and weather this will be an installation in an existing home or a music system in a new construction home.First, you need to decide which rooms you ... more...

Questions and Affirmations - The Art (and Science) Of Talking To Yourself
I Hear VoicesThis is not a statement of paranormal; it is a statement of truth. Yes, we all have an inner voiceIs yours an ally or an enemy? Do you realize you say things to yourself you would never let anyone else say to you? Dont let your inner voice tear you down and strip away your ... more...

Measuring For Your Vinyl Replacement Windows
Let's say you're tired of those old wood windows, and you decide it's time to upgrade to vinyl replacement windows. You get 2 or 3 contractors to come out and give you an estimate. After they leave, you can't believe windows can cost so much. I mean, having to get financing to replace your windows ... more...

A Fragile Lifeline: Lessons I Learned Answering The Aids Hotline
Dial 1-800/AIDSNYCEvery Monday and Wednesday morning, promptly at 10 a.m., I leave behind my daily life and turn to volunteering as an AIDS Hotline counselor at New York Citys GMHC [Gay Mens Health Crisis], the nations largest social service agency for AIDS.For the next four hours, my ... more...

Borrowing Money to Consolidate Debt
Debt consolidation is usually done by taking out a big loan to pays off other smaller loans. This is called a debt consolidation program. Debt consolidation programs can be very beneficial to borrowers, but may also put you at risk of further debts.When to Use Debt Consolidation ProgramsDebt ... more...