Don’t Confuse Debt Consolidation for Debt Elimination

If you’re struggling under a big load of debt,take heart. A strategy called debt consolidation could be a good option for solving that problem. In fact,if you use this strategy correctly it can help you get out of debt quicker and reduce the amount of interest you need to pay.

The three flavors of consolidation

There are basically three ways to do consolidate debts. First,you can transfer all of your high-interest credit card debt to one that has a lower interest rate. For example,if you have credit cards with interest rates of 18%,20% and 22%,you could all of these debts to a new credit card with a 12% interest rate.

Second,you can consolidate credit cards by getting a consolidation loan. And third you could go to a credit counseling agency that would help you develop what’s called a debt management plan.

However,before you choose any of these alternatives,it’s important to know the pros and cons.

Pro #1: You’ll have a lower monthly payment

When you use debt consolidation to pay off multiple debts,you should end up with a monthly payment that’s less then the total of the monthly payments you’ve been making.

Con #1: It will take you longer to pay off the debt

If you choose either a debt consolidation loan or a debt management plan,it will take you longer to pay off your debt. In fact,regardless of which of these two options you choose it will probably take you at least five and maybe as long as seven years to become debt free.

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Pro #2: You will have a lower interest rate

If you’re carrying a lot of credit card debt,you’re probably paying high interest rates. In comparison,you should be able to get a debt consolidation loan at 5% or less. If you choose to consolidate all those debts on a new credit card,you s be able to get what’s called a 0% balance transfer rate for 6 to 18 months,which would then go to maybe 12%.

Con #2: It can cost you more

If you choose to move your multiple credit card debts to a new card with a lower interest rate,it may not cost you any more – depending on how long you take to pay off the new card. However,if you choose a debt consolidation loan,It will probably cost you more because you’ll be paying that interest over a longer period of time.

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Pro #3: You’ll get rid of all those collectors

You’re probably receiving calls from your credit card providers or from debt collectors. When you consolidate your debts,you will eliminate all those harassing calls.

Con #3: You may have to cut up your credit cards

If you go to a consumer credit counseling agency for help,it will help you develop a debt management plan and will negotiate with your creditors to get your interest rates reduced and for them to accept your plan. However,you will have to cut out all of your credit cards and be careful to not take on any new debt for the five or so years it will take you to complete your plan.

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Don’t confuse debt consolidation for debt elimination

Consolidating debt doesn’t mean you’re eliminating it. Whether you choose to get a debt consolidation loan or a debt management plan,you need to understand that you’re just moving your debt from one set of creditors to another.

JS framework

Trying to keep up with web design trends is hard since it’s such a fast changing field. Hardly a week goes by without the release of a new JS framework,elaborate build tool or testing suite all of them touted as the one to use.

Sorting the wheat from the chaff from the genuinely useful is no mean feat,so my aim in this article is to show some of the most interesting things going on in web development in the last year,and what trends we expect to see more of in 2019

Looking Back on 2018: SPA,CSS Grid,and Speed Single Page Applications (SPAs) saw a leap in popularity in 2018.

A simple idea made possible by the power of modern Javascript,a SPA loads a page once then never reloads it or navigates to another page; instead,Javascript is used to alter the DOM and render new layouts in the browser.

It can provide a much snappier experience to the user and really change the responsiveness of a site. It’s an idea that’s been popular for a while but really saw a lot of developer engagement last year.

It’s fair to say that when HTML and CSS were conceived,they were not designed to handle the modern web. Hence,CSS preprocessors and libraries are rife,because they provide a more abstract,convenient interface.

2018 saw the widespread adoption of a native CSS grid,supported by all major browsers; a big deal for headache-free aligning.

Backend Changes Expected in 2019:

So,what are some of the backend/server-side changes we may see in 2019.

Containers

Containers are certainly not a new thing,but it’s a technology which is growing so fast that it’s impossible to ignore. These days,rapid deployment is the name of the game,which means your backend/server needs a consistent,repeatable environment. The goals of this is to make development,testing,and production seamless.

Serverless computing

Serverless computing allows you to write and deploy code without ever touching the underlying code. Anyone who has deployed a website after manually setting up servers,load balancers,you will understand how much time configuring infrastructure can take.

Frontend Changes in 2019.

Vue.

Vue’s remarkable recent success is set to continue. It’s done so well because it implements exactly what developers want,in a very lightweight package.

Is this the death of server-side rendering? In the past,the standard way to create a website was to render all the files server-side before sending them to the user,using PHP and ASP.

Then Javascript frameworks/libraries started showing up,slowly at first,then in a deluge. More and more parts of web applications shifted client-side over the months,and now it’s common practice to create a Single Page Application entirely in the browser.

That doesn’t mean that server-side rendering isn’t used now,far from it; lots of new applications continue to use it because it fits well with their requirements. However,while server-side rendering is conceding ground these days,it’s still a good fit for a large number of sites so it is not going anywhere for now.

Progressive Web Apps (PWA).

There are some interesting data on apps vs websites on mobile devices. Whilst mobile sites receive about 12x as many visitors as apps,users spend roughly 20x longer on apps than mobile sites. So what if there was a way to get the user engagement of an app without the friction of installing one?

A Progressive Web App,or PWA,is simply a term for a website which fulfills a set of requirements and best practices,predominantly for mobile use. PWAs should load reliably and load fast,with easy navigation and identical feel to a native app.

They are designed to be added to the home screen of mobile devices and are capable of operating offline. Google is a big fan of PWAs; Chrome automatically alerting users to add a website to their mobile home screen if it meets the PWA criteria.

2019 is set to be an interesting year for web developers and users,with exciting technologies both at the front-end and back-end.

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Understanding The Prerequisite Steps For Planning Applications

It takes a huge amount of knowledge and budget planning when you are want to alter or build your own property. There are many steps in the entire process and you have to have a clear view of each one of them,as each of them is imperative..

Different nations have diverse rules and regulations and it is vital that any individual seeking to transact in the real estate business have an idea of them.

In UK people can apply for planning applications in a place even without owning the land at the times of submitting the document. This is because the rule in that country states that a person is allowed to submit for the layout even before actually owning the land.

Remember,anything beyond the layout will be termed to be illegal and can be demolished by the building department.

The measurements have to be exact and precise as otherwise the authority may not be able to evaluate it. While an individual can submit multiple forms for separate plots,but they don’t need to be sent as a bunch.

Each of the applications needs to be supplied with a site map for the correct assessment. After a planning application is allowed,further development on the plot can be made.

The documentation also shows the purpose of the plot,so the future purchaser can go on to include his own thoughts in the project.

There are many phases which have to be followed to get the required approvals from the developmental authority. The approvals of both the local and national authorities can be mandatory and in case of any clash,it has to be dealt with before any issues arises.

If you are looking into submitting a planning application and want to make sure that you are doing it all the right way,do check out all the advice on line and make sure that you use a correctly marked up planning map.

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Social Media Digital Marketing Strategy

Today,a core part of any successful modern marketing campaign is digital marketing. There’s tons of noise out there,countless marketing channels,and digital marketing is more complex than ever. One of the greatest advantages of using a digital marketing agency is that you can allow them to renew your marketing from the ground up while you focus on running your enterprise. The value of having a certain digital marketing agency for any form of business is practically boundless.

A Well-designed Social Media Digital Marketing Strategy

A great deal of businesses are finding it hard to stand out on social media,due to an increased competition in social marketing. Claiming premises on social media will help you solidify your brand,as these profiles rise to the top of Google and defend your online reputation,just like they do any major brand. They are highly beneficial to SEO as well.

Being a digital focused digital marketing agency,the primary intention is to inspire,energize and innovate brand conversations,engagements in mobile,online and all other media. Customers want to be part of the conversation,and social media branding allows these conversations to happen on your own territory.

Web Design & Layout

If the website is mobile-friendly,a responsive design plays an essential part in making a website and a website that’s mobile-friendly enjoys a lot of search engine traffic.

Whether you are looking to make a blog,portfolio display website or a local business website,it is key that your website be correctly optimised and organized,because search engines place and find a website based on specific criteria. A great UX on a website is critical for to assure your website ranks highly on search engines. You will bring the right kind of people into your services,who really want to know more about your enterprise,by having a well-written website.

Search Engine Optimization And Digital Marketing In General

A better digital marketing agency will have a proven history in delivering highly effective SEO,social branding and press-building campaigns.

On-page optimization will increase the value of your website in every feature of digital marketing,giving your customers & prospects the content they want,and helping Google understand what your site’s about,which is vital to great SEO rankings.

With vast experience in both Search Engine Optimization and social branding,Agency Intelligence AI at - is eager to partner with you to grow your brand dominance in the industry. We’ll study and track your digital marketing progress,and get the maximum ROI for your organization. There is no other digital marketing agency you would want to partner with,when you desire to make a powerful impact on your clients and make your business flourish.

The range of digital marketing is constantly expanding and evolving,with the promotion of technology. In case you’re struggling to keep up,there’s help! Agencies like Agency Intelligence (-) keep you ahead of the game in every way,helping you adapt to the newest marketing methods in a way that doesn’t assault you with tech nerd lingo. You understand the value you receive out of your brand growth.

Place your trust in a digital agency with award-winning methods. Go to - to learn more.

Beef Up Your Website with a Toronto Web Dev and SEO Expert

There’s much to consider and do when starting a fresh business and it can get very overwhelming. Regardless of if you are familiar with content management systems and the technicalities of your website,it can consume lots of time to juggle managing your website with managing your business. That’s why it’s a solid idea to utilize a developer who can create for you a website that can generate more customers.

The Task Of SEO Or Search Engine Marketing

You have to take your products and services in a really effective mode and be where your audience is active. The the internet,devices,and browsers are always changing and changing fast,as previously mentioned. When you do not have a highly targeted and optimized SEO campaign behind you,then you miss out on countless potential customers seeing your company. A consistent social media campaign will help your business engage with current customers,make your name and bring in new clients. Local businesses have their own special listings that are connected with Google Places and Maps,which means your business must be in there more than ever. Your potential customers often get lost and choose other options,when your website and your brand promotion do not match.

A Social Media Marketing Plan

In order for a company to thrive,every marketing plan has to have online and web advertising incorporated in its construction. A means to draw visitors,support them to take control,and demonstrate what you do. A digital marketing strategy will help you change your presence and make you stand out from rivals,regardless if your enterprise is business-to-business (B2B) or business-to-customer (B2C). To appeal to your target market,and to help you grab as much online attention as you can,you should implement specific keywords in your merchandising. A strong social media strategy can be used to make a community that centers around your name.

Digital Marketing And Toronto SEO Services

WordPress provides the situation for easy content management in addition to a host of other functional and display tools for the Toronto website designer. Most web developers and SEO experts,such as the professionals at ,have great specialty in working with WordPress sites. You desire your targeted audience to be compelled to buy your product after reading the content you have to offer,when you have a website especially an entrepreneurial based website. The reason why you desire your website to be mobile friendly is to obtain higher ranking on Google,Ask,Yahoo and Bing. Stand-alone mobile websites are not in use anymore because of double management for main website and the moving as a pretty much secondary website.

HTML5 and Why It Makes Web Development So Easy

All new websites and subjects are being built with HTML5,which means your blog or website will be quick and versatile when you are using the latest content management systems. Just make sure to use one that is user-friendly – because it will optimize the development process for both yourself and the designer,who can understand what kind of visual flair you want to give to your website and at the same time strategically place elements that allow you to monetize your site. After all,your goal is to convert more customers.

Invest In Your law Practice’s Future With A Custom Legal Website And Quality SEO Services

There are many law practices and attorneys that think that their capability and reputation is enough to bring in new clients. And this may be true,but the quantity of clients you are going to attract through this process is limited. You can easily improve the business and increase profits by having a solid online presence. Having a good marketing plan in place can help an attorney attract new clients without having to spend a lot of money. It will help in boosting your search engine rankings,give you the chance of resonating with your target audience,and building a rapport with your prospective clients.

There are many attorneys who have refrained from doing this because they assume they don’t need a marketing plan for their firm. Yet there are many attorneys that have managed to increase the amount of clients by having a good marketing plan. Below are some ideas that will go a long way in helping you with your marketing efforts.

Committing To Good Legal SEO for Lawyers

Search engine optimization has continued to be a great marketing tool for any business or practice because it works.

The Legal Marketing Association does not offer same solution to all. Our team of creative web designers and professional legal marketing experts believes that each attorney or law practice is unique with differing objectives and unique challenges. The Legal Marketing Association can help legal professionals when they are just starting their practice and need to get new cases in their location,we can also support established law firms who need to increase their online branding in their services area. The internet is the most effective way of attracting new customers in any area of practice. With their experience and knowledge of website design and legal marketing field,the Legal Marketing Association is an expert in attracting high dollar cases for lawyers whether you specialize in family law,criminal defense,bankruptcy and personal injury practice area,elder law or any of a number of disciplines.
We focus on custom websites and Web marketing for law practices. There are many reasons you should consider hiring us for your website development and marketing. We provide straightforward services for our legal web design and SEO services. Our lawyer marketing services are completely ethical as per the search engines guidelines. the Legal Marketing Association offers best SEO for lawyers,local Internet lawyer marketing,and legal social media optimization.

10 reasons to use an experienced conference organiser

If you are setting up a conference with little or no experience in conference planning and management,it is not a good idea to try and wing it. You need the help of an experienced professional conference organiser. Here are 10 reasons why it is much better to use a company well experienced with setting up and running conferences than to try and do everything yourself.

1. Financial management

If a budget has been put aside by your business for a conference,a qualified organiser can budget effectively for each element of the event. This includes specialist areas like tax compliance and bookkeeping. By streamlining the financial management of your event,you will also save money.

2. Effective promotion to fill the event

An experienced conference organiser will not only be able to set up and run an event,they will also have the skills to fill the seats at your event,attracting the best kind of guests and delegates. This needs specific marketing skills that are acquired through the training and experience a professional conference organiser has.

3. They have expertise

Trying to do everything yourself will quickly become too much,and you will struggle to get the best out of the many parts you are required to plan. Buying in help of a professional will enable you to be involved just as much as you want,giving you the time and space to make positive contributions,rather than being overwhelmed with the details.

4. An experienced organiser will get the best deals

Getting the best costs when booking a venue and all the suppliers needed will help get the maximum out of your budget. Experienced professionals have many contacts,having spent their professional life cultivating business relationships with various venues and suppliers – let their connections become yours too.

5. Get expert advice on planning

How much food and drink do you need to buy? How long is the journey from the local airport to your venue? Experienced conference planners can take this all into account,so you don’t need to be concerned with it.

6. Strategic promotional services

To succeed,your conference needs great PR,website design,press releases and social media planning. An experienced conference planning company can take care of all these issues,which can make or finish any event.

7. Handling the details

The devil is in the details. Things like registering a guest’s special dietary needs or making sure there is proper wheelchair access are essential. An experienced provider can plan for all of this and will remember the little details that your guests will appreciate.

8. Time-saving

Working with an experienced planner will free up time for you to focus on other matters. Conference planning takes up a great deal of time and energy,and you do have other responsibilities to attend to.

9. Deliver added value

A quality conference planner takes pride in providing great,innovative experiences that exceed visitor expectations. It will be almost impossible for an amateur to create the memorable,unique experience that would be created by an experienced professional.

10. Reacting quickly to problems

As experts in their field,experienced conference organisers can predict potential issues and have contingency plans for when they happen. They are also adept at thinking on their feet,reacting swiftly to address any issues and challenges that arise unexpectedly.

Hiring a professional conference planner to help plan and manage your event is always a good move. If you are tasked with organising a conference,don’t take on more than you can handle,instead contact - to learn about our range of professional conference services.

Debt Consolidation vs Debt Settlement

A debt management program focuses on a proper management of your financial liabilities and continuation of your ability to repay your debts on time. On the other hand,a personal relief plan focuses on elimination of your debts so that you enjoy relief from your financial problems.

Management of debt is advisable when you are beginning to face money problems. Relief options are best utilize when you know that you are facing money problems and need to escape it as quickly as possible.

If you do not prepare a debt management plan on time and follow it properly,you will end up facing personal money problems. The only option available is to go in for a personal relief plan.

Debt consolidation,conversion of unsecured debt into secured debt,interest holidays,alteration of the terms and conditions of repayment-all these options fall under the ambit of debt management programs. All this will help you plan your finances better and repay your debts by extracting maximum value out of the income you earn.

On the other hand,you can go in for a personal relief plan like debt settlement which will help you reduce your debts by 50%-70%. Once the debt amount comes down,your monthly payment amount will be reduced and you will have extra cash in your hand.

Further,the personal relief plan aims for complete reduction of all your unsecured debt down to zero with in the specified time frame. This is not the purpose or goal of a debt management program. Rather,it tries to place you in a situation where you can continue using debts to boost your finances without losing control.

The difference between debt management and personal relief may seem technical and theoretical. Yet,it is very important because you may end up going in for a personal relief plan when all you need is a debt management plan. In such a scenario,your financial position will take a huge hit and you will find it difficult to overcome your problems.

It is impossible to rely on the advice of any specific service provider unless you are confident of getting impartial advice. Since you always face the risk of getting biased advice,you should check out independent sources of advice like the internet and also make use of debt relief networks to find the right service provider. All this will help you analyze your financial condition and choose the right remedy.

Hotel In Chicago

A brand-new,$250M hotel project near Chicago’s The Loop neighborhood has revealed its opening date and more details ahead of the fancy new project that aims to redesign the classic Essex Inn. Steps away from serviced apartment rentals,this Chicago landmark will be redesigned to give the old building new life while retaining elements that made it classic in the first place.

After being closed for renovations for nearly a year for renovations,officials say the building,now called Hotel Essex,is set to reopen on April 1st,and we’re pretty sure it’s not an April Fool’s joke designed to trick River North residents. The building,located at 800 S. Michigan Ave.,will retain the iconic sign that residents have known and loved,but most of the inside was gutted and upgraded over the past year.

John Rutledge,the CEO of a well-known Chicago hotel and resort company,is set to manage the facility.

“Historically,the Essex Inn was sort of a 3.5-star,tourist-class (hotel),with a lot of international tourists and travelers,” Rutledge said. “Our vision was to take a 3.5 star and turn it into a 4.5 star.”

A bistro located on the same property will have a heavy focus on meats and veggies,in addition to high-end cheese. The bistro,which will seat about 40 patrons at a time,will expand to 80 in the summer when a patio opens. In addition,24 people have seats at the bar,so everyone who wants to come check it out should have plenty of opportunity.

We feel like there’s a lot of momentum in the greater South Loop,” Rutledge told a Chicago Tribune reporter. “There’s a lot of nice,new residential and retail coming in,but the hotel product hasn’t caught up with that.

“We want to be the nicest lifestyle hotel in that part of town,” he said. “That’s the vision.”

Winter Heating Tips: How to Lower Your Heating Costs in the Winter

It’s that time of year when the temperatures drop and icicle form on the rooftops. We like to find refuge in the comforts of our own home. But,what if our homes aren’t as warm as they should be?

To keep you warm and toasty this winter here are some of the best heating tips to keep your home heated as efficiently as possible.

Fill the Gaps

Before you spend all your money heating your house,make sure your house is sealed.

Check window frames,power sockets,recessed lighting,and door frames — anywhere air could leak out. To find leaks,walk around when the wind is blowing and see if you can feel any gaps.

Another trick is to take a candle and watch the flame. If the flame starts moving horizontally,then you’ve spotted an air leak.

Fill the gaps with caulk or foam strips to seal up the holes in your home.

Insulate to the Fullest

In new homes,insulation is part of the building process. But,the insulation used is usually fiberglass or other cheap materials.

To upgrade your insulation,you can add othertypes of materialsto your attic,unfinished basement,or storage areas.

To add insulation to your windows,you can start by adding a transparent polythene film to your windows and hanging some extra thick curtains.

Set Your Thermostat

Thermostats are self-regulating devices that can keep your home at a constant temperature.

Decide where you want your temperature,set it,then forget it. When you fiddle with the thermostat,you actually use more energy and end up spending more money.

And to save even more money,consider lowering your thermostat at night. Turning it down just a few degrees while the family is sleeping can help you save up to 10% a year.

Turn Down the Water Heater

It takes a lot of energy to heat the water,but the good news is it takes a long time to cool down

To reduce the amount of energy used,turn the water heater down a little. Keeping the water set at 120 degrees Fahrenheit is hot enough for your needs but will end up saving up to 5% of your water-heating costs.

Here Comes the Sun

Even if you don’t have solar panels installed on your roof,you can still use the sun to heat your home in the winter.

Open your south-facing window shades and allow the sun to shine in. If you have stone or tile floors even better as they will hold the heat and then release it slowly.

Just remember to close the shades when the sun goes down. This will help trap the night overnight.

Heat the Rooms You Use

Often there are rooms in a house that aren’t used as frequently as others. If you have a spare bedroom or an office that isn’t used every day,close the vents in those rooms to direct the heat to other rooms.

Bundle Up

If all else fails,bundle up. We’re not suggesting snow bibs and boots,but socks and a sweater can go a long way.

Did you know that if yourfeet are cold,your whole body will feel cold? So make sure to invest in some warm socks to wear around the house.

Keep throw blankets around the house: on couches,in the office,and on your bed. That way you can add an extra layer whenever you are feeling chilled.

Winter Heating Tips

After a long day out and about in the freezing temperatures,you deserve to relax at home. Use these heating tips to keep your house heated without having to break the bank.

And for all your other HVAC needs,. We’re here to make sure you stay comfortable all year round.

The Advantages And Disadvantages Of Debt Relief Services

The Ninth Major Zurich Axiom: On Optimism versus Confidence

By John Sage Melbourne

Optimism means anticipating the very best,however self-confidence means understanding how you will handle the worst. Never make a move if you are simply optimistic.

Taking choices based on optimism that is in turn not based on understanding and insight to the realities is a hazardous state of mind. Optimism can be hazardous due to the fact that it feels great.

Knowing how you will handle the worst provides you self-confidence. When you are feeling optimistic,attempt to judge if this is based on the realities. At least 50% of the time it is not.

That being said,you absolutely require optimism to sustain your forward momentum. Someone who is mainly cynical will discover it tough to state yes to opportunities and even enjoy their property advancement journey. Stay optimistic about your endeavors,however when it comes to choice time,ensure that it’s self-confidence based on realities that’s the ultimate decider.

Follow John Sage Melbourne for more professional property investment guidance.

Speculative technique

Never enter a venture based solely on optimism. Prior to getting in a venture determine how to leave if things fail. Look for self-confidence over optimism.

To learn more about developing your wealth frame of mind,go to John Sage Melbourne here.