Low Income Debt Consolidation Solutions

Low income debt consolidations loans are generally meant to clear the debts of those people with poor credit as well as employment history. Low income debt consolidation loans can easily pay off high interest debts in the form of credit card bills, store cards, and other loans, by merging them into a single, low cost, monthly payment.Low income debt consolidation loans are offered based on certain factors like borrowers? credit history, past earnings, and current earnings. Low rate debt consolidation loans are considered the most suitable solution for low income debt consolidation. This includes secured low rate debt consolidation loans, home equity loans, and unsecured low rate debt consolidation loans. Secured low rate debt consolidation loans are regarded as the safest as well as convenient way for low income debt consolidation. To avail this loan the borrower has to provide a security, which could be anything like a car or a current bank account.Home equity loan is also a kind of secured debt consolidation loan. The borrower has to put his home as collateral to get the loan. For unsecured low rate debt consolidation, no collateral is required. However, a good credit status is required to avail these loans. Low interest personal loans are also available for low income debt consolidation.If a borrower?s mortgage is insured by the Federal Housing Administration (FHA) – an agency governed by the US Department of Housing and Urban Development (HUD), they take over his mortgage on meeting certain requirements. This enables the low income borrowers to figure out a workable repayment schedule. Sometimes, borrowers also get assistance from HUD-approved agencies.A number of private lenders are also in the scene to provide debt consolidation loans for low income people. Many of them offer services of qualified financial advisors. Firstly, these service providers check your debt-to-income ratios, i.e., comparison of total debt payments with your income. The higher your debt-to-income ratio, the higher is the interest rate and fees.Interest rates of debt consolidation loans fluctuate from lender to lender; research properly to get the best possible deal.

STDs in Film

STDs have played a starring role in many films, and not just to encourage STD testing. Here are four to watch out for.STDs are a subject that most people find it hard to talk about, but they crop up surprisingly often in film. Sometimes they are used in a comical fashion as an embarrassing mishap that happens to one of the main characters, sometimes a character’s struggle against a disease forms the basis for a serious drama. But however they subject is tackled, STDs on film invariably raise awareness and promote discussion about the issues at hand – and anything that encourages sexual health and STD testing can only be a good thing!Here are four films that feature STD testing as an essential part of the plot…The LibertineThis recent film was based on the life of the infamous John Wilmot, renowned as a poet, drunkard, and hugely successful lover of women and men during the rule of Charles II. Like any ladies man in an era before reliable contraception and effective STD treatment, Rochester suffered from an impressive combination of STDs, including gonorrhoea and syphilis. The film doesn’t flinch from the grim realities of the disease, and by the end of the film, Rochester has lost his nose to the degenerative syphilis that would eventually kill him at the age of 33.The film may be accurate in its depiction of the disease, but luckily, advances in STD testing and treatment means that syphilis is now very rare!PhiladelphiaRegarded as the first film to seriously tackle the question of AIDs on film, ‘Philadelphia’ was an enormously successful film, made in 1993 and starring Tom Hanks. Hanks plays a closeted gay lawyer, who is ostracized and then dismissed by his firm after they discover that he has AIDs. He then goes on to sue for unfair dismissal.The film is particularly strong when dealing the prejudice that AIDs and HIV sufferers had to endure at the hand of co-workers, family and friends. In one memorable scene, one of the characters goes to the doctor after shaking Hanks’ hand, fearing that he might have contracted AIDs simply through touching him – this kind of fear and ignorance of the realities of AIDs were widespread when the disease first become prevalent.KidsThis hugely controversial film, made in 1995 by Larry Clark, focuses on the dangers of unprotected sex amongst American teenagers. The main character, Telly, has made a policy of only sleeping with virgins as a way of avoiding STDs. Unfortunately, Telly has already unknowingly contracted HIV, and so is spreading it to everyone that he sleeps with. After one of his partners goes for STD testing and discovers that she has HIV, she sets out to try and track him down and stop him from spreading the disease further.With the film featuring a heady cocktail of underage sex, drugs, rape, and violence, it is easy to see why it provoked such a strong moral outrage when it was released!Plunkett and MacleanLast but not least, a more comic look at STDs! An unnamed STD makes a cameo appearance in this 18th century action comedy, when one of the two highwaymen at the centre of the story catches “the pox” after an intimate encounter with a woman he intends to rob. His partner, an apothecary, manages to cook up an unnamed, explosive and extremely painful cure to “burn away” the infection. It is played for laughs, but both the non-specific diagnosis and the gruesome, painful cure were all too common in the early days of STD testing!

Tips For Saving Money With the 2010 Entertainment Book

The new 2010 Entertainment Book has introduced completely FREE offers from top merchants, and contains more grocery savings. There are still so many great deals from popular merchants where you can save lots of money.Here are some tips on ways to save the most money using your coupon book.1. Don’t buy the entertainment book and lay it down somewhere, only to forget about it. Set aside some time to look through every page for deals that interest you. You’ll be surprised to find many ways to save on places and things that you buy on a regular basis. This will give you an outline of just how much you can save on stuff you buy.2. Keep your book in your purse or the car. An easy way to remember when to use it, is to write down offers and their page number for a particular month in a daily planner. I use the planner on my iphone, so it’s always with me or you could use a small pocket calendar, whatever works for you. Whatever I may be planning for the week, like grocery trips, dining out, clothes shopping, buying birthday presents, etc. I have my selected coupon offers listed so I can quickly pull out my book and go right to the page I need. Most importantly, I remember to use the coupons and save my money!3. Flag all free offers and use them! Maybe you have a free coupon for an ice cream from McDonald’s, or a free movie ticket. Don’t pass up the free stuff! There will probably be some offers that you just don’t care to use. These make great giveaways for family and friends. What you don’t like or need, someone else might be thrilled to get.4. Highlight offers you are CERTAIN to use, because they consist of things you do on a regular basis, such as car washes, dry cleaners, free gas for groceries, places you frequent every week. Not using these is like throwing away free money.5. Some stores may not participate with the Entertainment Book, but if you show them an offer from a competitor in your book, they may match it and you save the same.6. There are many dining out offers in the book where you can buy one entree and get one free, which can come in handy anytime, especially when you want to treat a friend to a nice dinner or try a new restaurant for your next night out.Plan special activities out around the book through out the entire year! Before you buy a present, go on a trip, have dinner out, let’s just say, before you buy anything at all, get into the habit of checking your Entertainment Book first. Remember too you’ll have access to coupons you can print right from your computer and an Entertainment Membership Card for discounts on selected fine dining and when traveling.The 2010 Entertainment Book cost between $25 and $35. If you have a simple plan in place, you can pay off the book in about 2 months, then continue saving money through out the year. Just remember to read the entertainment book information, record the best offers in your monthly planner, share what you won’t be using with friends and family and you’ll come out ahead in more ways than one. 2010 Entertainment Book Information.

Home Based Business Ideas: Energy Efficient Products and Services

Have you ever taken a look at a home based business in the network marketing or direct sales sector? If the answer is yes, that’s fantastic; you have an idea of what network marketing is all about. The awesome thing about a home based business idea in network marketing is that the cost to start your business and buy into a proven system is minimal. Most home based business ideas in the network marketing sector are pretty much under $1000.00 and most are $500 or less. Now we come to the success rate of people who start businesses in the network marketing sector for under $1000. What I have noticed is that when you have not mortgaged your home and entered into a major contract with another company somehow the urgency of owning the home based business and the drive to succeed seem to diminish. Before we ever get into the various products and services available in the network marketing sector in today’s climate we have to discuss the psyche of the person wanting the freedom they are requesting. I have spoken to so many people who start out with a bang and kind of loose their gusto in 3-5 weeks. Sometimes people will last for about 4-6 months then the fire diminishes. Why is that? Well, I know one thing, if I had 50k or more invested into a home based business idea it would not take 4-6 months before I throw my life savings away.  Although, since many network marketing business are under $1000, most people don’t have enough on the line to take their network marketing home based business ideas seriously enough to succeed.  Let’s assume you have the drive to move past that 4-6 month mark. This seems to be the mark where unsuccessful people stop and successful people continue to push forward.  Now you have to decipher if you are in the right business model for optimal success.Most network marketing companies have traditionally been in the cosmetic, weight loss and health and wellness sectors. In recent history (the last 15 years) there has also been a big surge of technology home based business ideas also such as cell phone businesses, satellite home based business, Wi-Fi home based businesses and others. Even more recently, in the last five years to be exact, there has been a huge push in the energy efficient products and services industry.  I get excited when I think about the history already made by the first two residential energy companies to offer their services to consumers by way of the network marketing home based business model.  According to Jim Melloan, project manager of the Inc. 500/5000 project Stream Energy grossed $848,000,000.00 for the year 2009.  This company was founded in 2004 and officially started doing business in March of 2005 in Texas.  Home based business owners are able to start a business with this company for less than $500 and are able to refer their friends and family to save money on their electricity and/or gas bills.  They later expanded to Georgia in 2008 and are now expanding to Pennsylvania. Next we have another notable company named Ambit Energy, founded in Texas in 2006; it followed Ignite’s footsteps offering the home based business idea for less than $500 in the Texas market.  It soon expanded to New York in 2007 and Illinois in 2008.  I know because I was part of the excitement!  In 2009 the company had a record 20,369.4 percent growth with revenue at $325,000,000.00!  So with these numbers in the home based business/network marketing sector you would assume there are some winners that are just like you and I, who are making a percentage of that success right?  Of course there are and I witnessed this happen first hand.  For under $500 in both companies, multi-millionaires were created!  There are several thousandaires and many people who have found an additional income that has saved them from foreclosure, replaced car payments, paid for their children’s educations and much more! So far I have discussed two companies with astounding numbers reported that concentrate on doing one thing, saving the average family money on their electricity bill.  There’s another trend happening in the energy business.  A new company called America Approved Energy Services Direct., LLC has emerged offering a home based business in the same space but with a few tweaks!  For one, America Approved Energy Services Direct., LLC aka AMA Nation was founded in October 2009.  Peter Jensen, Robert Gries and Scott Turner came together to offer a home based business opportunity in the network marketing sector with the product once again being residential electricity. AMA Nation started out in Connecticut, and then soon expanded to New York City.  Over the last year they have have a lot more territory than the first two.  Currently, America Approved Energy Services Direct., LLC is the marketing arm for several suppliers which allows them to provide this home based business idea in 8 states for opportunity seekers wishing to concentrate on the residential market which include NY, NJ, CT, MA, RI, PA, MD and TX (soon to be 9 with IL)!  So with the astounding numbers posted by Ignite and Ambit in only two and three states respectively, AMA Nation will certainly shock the industry with their three-year numbers.  Now here’s another shocker, by July of 2010 America Approved Energy Services Direct., LLC has also allowed their home based business opportunity seekers to acquire business in the commercial sector of energy deregulation as well. Opportunity seekers looking for home based business ideas are also able to do business in 15 states on the large commercial side of energy deregulation.  So when it comes to energy deregulation, America Approved Energy Services Direct., LLC now has the largest footprint in the industry.  By August of 2010, America Approved Energy Services Direct., LLC also added over 200 energy efficient products and services to its repertoire allowing home based business owners to also make money in other emerging markets such as solar panels, Led Lighting retrofits and much more.  The most impressive factor in all of this is that you have the income potential of a major franchise in a network marketing business model for less than $225.  So many people are recouping their initial investment within the first week of being self-employed in the energy business. My team and I have been getting many ideas about how to build our business from local news happening around the world!  For instance, the article titled All Agua Fria high schools will have solar panels written by AZ Central.com on 16, 2011 at 07:30 PM gave us the idea to start calling the schools our children attend to discuss the energy saving options and grants available.  Another article written by LehighValleyLive.com discussed how IKEA Aims to Extend Solar Power Trend to Costa Mesa which gave us the idea to start going after department stores and restaurants in the California area.  So with AMA Nation, my team of independent home based business owners and I have found this business model to be much more lucrative because we are able to tap into the entire energy efficient products and services industry.