Humbug

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Loans Are Not Just For Christmas. Surviving The Holiday Debt Hangover.

Christmas is coming – A Time for decorations, songs, Over-eating, gift giving, visiting the Family, consumer spending and the increasing of Personal debts. Bah humbug.

While Most People See Christmas as a joyful period There are Many Who see it as a time of financial worry as they cannot afford to buy Presents for everyone. For these people it is often the doorstep lenders who Will be getting fatter rather Than them and their family. The temptation is to simply put the expenses on the credit Card or take Out a loan to be paid Back on the Never-never. Unfortunately This Can lead to disastrous results in the Long-term, as the recent increase in the Number of repossession order applications are testimony.

There are a few simple rules can Help to prevent a Post festive period financial hangover though.

Firstly, Don‘t ignore the problem. The longer You Leave a debt problem, the worse it will become.

If things seem desperate then contacting a Free organisation such as National Debtline (0808 808 4000) can help by giving debt advice over the phone, or by providing booklets and Fact sheets, as Well as helping to Set up personalised debt management plans.

Next, maximise incomings and minimise outgoing expenditures. Look out for anywhere costs can be Reduced. Online retailers don’t Have to pay for expensive premises, and so buying presents online rather than in the shops is often a Great money saver. Be alert for shop sales and Make the most of them.

If you already have debts, then you need to be wary of borrowing More money Without some serious consideration and Qualified Professional independent financial advice.

Taking out a low rate secured loan to Cover previously unsecured debt May seem Like a sensible idea, however, should you fail to Meet the payments you could lose Your House. If you have unsecured loans, your Home may not be safe either. Debt counselling charities have recently become increasingly alarmed regarding a Growing trend by some of the High Street lenders to Issue “charging orders” on borrowers’ homes in order to recover Bad debts. This means That by going Through the courts, the lender can change an unsecured loan agreement converting the debt to be secured on the borrower’s house, whilst still charging unsecured interest rates. A consolidation loan may seem sensible; however this will mean borrowing more money, over a longer period this will mean more interest to pay in the long Run.

If you decide to take out a loan, then you need to ensure that you are getting the Best rate that is available. The Big banks like Barclays (http://www.barclays.co.uk/loans-Index/) have online facilities showing their current rates , and Other online finance companies such as Moneynet (http://www.moneynet.co.uk/loans/index.shtml) provide free facilities to compare rates for hundreds of secured loans, unsecured loans and even adverse loans.
Never use a doorstep lender no matter How desperate things seem. Radio 4′s Money Box recently highlighted the plight of people in Southampton Where the typical doorstep lender’s Apr Was a massive 177%. For people on low incomes trying to regain control of their finances, this will lead to further problems and cause existing debt to spiral out of All control. Recent initiatives for people who have had problems getting Affordable credit, known as Community Development Finance Institutions (CDFIs), have started springing up Around the Country. These are funded by a collaboration of public and Private money including some of the Major banks, and specialise in providing personal adverse loans and small business loans to people who have previously been turned down by the banks. CDFIs usually charge an Annual interest rate of up 24%, which is Higher than many Standard non-adverse high street loans due to the increased levels of risk and additional advice involved with this kind of lending But it is also much Lower than the unregulated alternatives.

When you look at paying Off existing debts, you need to decide which are the most important and deal with your priority debts First. Ensure mortgage and rent bills are Covered first, next pay off Essential utility bills and council tax, before trying to pay off any unsecured loans.

As well as reducing any monetary outgoings, it is also important to ensure that you are getting all the incoming money that you are due. Checking with the local Citizens Advice can be useful for help on debt, benefit, housing, legal, discrimination, employment, immigration and consumer Issues. They will be able to advise you on most areas of concern, including whether there are any government payments to which you could be entitled.

Debt problems can seem insurmountable at the best of times, but over the Christmas period it can become completely overwhelming. Start by maximising your incomings, minimising your outgoings, and careful budgeting and purchasing. Ensure you are getting the best loan rates through free online information comparison at sites like Moneynet, and speak to free independent advice services like National Debtline and Citizens Advice; it is possible to retake control of your finances and have a Happy Christmas.

Disclaimer:
All information contained in this article, is for General information purposes Only and should not be construed as advice Under the Financial Services Act 1986.

You are strongly advised to take appropriate professional and legal advice before entering Into any binding contracts.

Useful resources:
Moneynet loan comparisons (http://www.moneynet.co.uk/loans/index.shtml)
Barclays loans (http://www.barclays.co.uk/loans-index/)Richard Lives in Edinburgh, occasionally writing for the personal finance Blog Cashzilla (http://cashzilla.blogspot.Com/), and listens to music no One else likes.

Article Source: http://www.simplysearch4it.com/article/16094.html

Andrew Eisen Video: Humble Bundle Humbug (Game Politics)

Andrew Eisen Goes out of His Way to pay as Little money as possible for the
latest Humble Bundle promotion in his latest video.

Read more

Game Politics

Humbug

Andrew Eisen Video: Humble Bundle Humbug (Game Politics)

Andrew Eisen goes out of his way to pay as little money as possible for the
latest Humble Bundle promotion in his latest video.

read more

Game Politics

Humbug (2 Volume Set) $33.00 Harvey Kurtzman changed the face of American humor when he created the legendary MAD comic. As editor and chief writer from its inception in 1952, through its transformation into a slick magazine, and until he left MAD in 1956, he influenced an entire generation of cartoonists, comedians, and filmmakers. In 1962, he co-created the long-running Little Annie Fanny with his long-time artistic partner…

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A Couple Of Ways To Get The Best From Your Credit Cards This Christmas

tis the Season to be jolly, with a Hey Nonny no and much slapping of the thighs etc and all that humbug. I know this makes me sound like a Cross between Charles Dickens Scrooge and a grumpy Old man but I have just finished wading through a whole raft of sales promotion material from a Series of Credit Card Companies and it really does beggar belief at times.

OK so they are having Hard time of it at the moment; no everything is relative, being unemployed and homeless is having a hard time, a downturn in the profitability of the Credit Card Companies is long overdue.

All of the false bonhomie and good cheer of the leaflets got me to thinking that they are really being disingenuous at best and two faced at Worst. Basically the issue boils down to the fact that they are really now paranoid About the whole issue of Identity Theft and the knock on effect it will have on Our welfare.

Not Too sure about this. Yes Identity theft is not good and we could all do without being infected by this the latest in growth industries but What the Credit Card Companies are really worried about is being caught holding the Baby so to speak and having the cough up the money when we realise how we have been ripped off and it was not us that used the card in the first place, it was a representative from the local underworld trying to purchase a present online for Mum for Christmas!

This got me to thinking about Real ways to look after your Plastic this Christmas and ways to ensure how they really Work for you and not someone else.

First of all check on the fine Print of your statements to ensure that small charges or worse, Large charges are not able to be slipped in without you noticing in lieu of increased membership fees etc.

Secondly, unless you Find yourself totally Cash strapped and without any other means of funding the next few hours till the local Bank opens or you get home then do not Ever use your Credit Card to withdraw cash.

These happy chaps will Rob you Blind as Soon as look at you if you withdraw cash using your Credit Cards. Sky High interest rates Here we come but you can also forfeit interest free periods and also suffer punitive withdrawal fees as well.

Thirdly, shop around for the best rates possible as these Boys are going to be bringing in even more ridiculous rates soon Mark my word. With Base rates rising, the Card suppliers are going to try and push their minimum APR to the region around 16% as soon as they think they can get away with it.

Their excuse? Well Central Bank rates are rising and here in the UK the base rate Has just risen to 5% so they feel they have to respond. Well nice work if you can get it. Base Rate 5%, Credit Card Rates 16%, you go Figure who is having hard time of it?

Stephen Morgan

View all articles by Stephen Morgan

Cheat Dieting, Detox today! by Cecelia Wong

Our bodies contain toxic waste accumulations, mucus, parasites and worms, excess Fat, fluid buildup (cellulite), old and hardened fecal matter buildup, and many more unsightly and odorous things that Play a pivotal role in sabotaging our health. After the Mind and body detox you’ll be more prepared to make the lifestyle changes in eating habits and thought processes needed for a more enjoyable Life.

Relieving fatigue is Another reason to pursue body detox methods. By using detox methods such as detox Foot patches and detox recipes, one can aid in alleviating fatigue which has been plaguing them in the past. A good Anti-Parasite herbal detox will gently cleanse harmful and destructive intestinal parasites from the digestive tract and Colon. An herbal colon detox targets these impurities to help cure chronic indigestion, diarrhea and/or constipation, Poor immune capabilities, chronic fatigue syndrome and weight gain.

Detoxification is a process and can be a Gentle cleansing or a more rigorous therapy, where many foods are completely avoided over a long period of time. The detoxifying program you would choose would depend for the most Part on the Condition of your elimination system and your ove-rall health.

If your diet is making you a humbug this season, there’s some good news. Turns out Dark chocolate, that decadent confection, may actually be good for you! Detox today for optimum health!

Yes, recently conducted studies published in the American Journal of Clinical Nutrition have shown that a dose of dark chocolate will heed all sorts of healthy results. And with the Holidays just around the Corner, this news couldn’t have come at a Better time.

So just for Fun, I thought I’d conduct a Mini-research project of my Own and get the skinny” on our Friend dark chocolate. Here’s some of the interesting factoids” I came up with:

* Cocoathe precursor to chocolate–has been around a long time. A few thousand Years, in fact. It has been thought that cocoa beans were brought to Europe in the 1500′s by Christopher Columbus.

* Cocoa, later Made into chocolate, was given to American Soldiers in Wwii. A source of high energy, each solider was given a Three chocolate bar per Day ration, according to historical data.

* Researchers started getting more involved when studies began showing that in addition to being a high energy food, chocolate also seems to stimulate elevated moods. Researchers found truth to this, showing that dark chocolate does, in fact, increase levels of the mood-altering chemicals such as serotonin and endorphins.

* Some researchers have also gone on to conduct major studies to prove the correlation between chocolate and a TRUE physiological craving. (Check out Why Women Need Chocolate,” written by Debra Waterhouse, Registered Dietician in 1999).

Toxins are harmful chemicals affecting your body. They are all around you (in your food, Water, Air) and Inside you (as waste products of metabolism). Your body eliminates most toxins and the rest are stored Within body fat. Some water soluble toxins may Escape the liver detoxification, but these are then eliminated through the kidneys. Your skin too helps in the process of body detoxification by eliminating toxins through sweat and skin rashes.

Close supervision by a medical professional is usually required, and the patient Must agree to discontinue all alcohol use during the treatment time.

There are a few Different ways in which individuals go about pursuing an overall body detox. Some methods are used individually as body detox solutions while other individuals use several methods together to achieve the best possible results. Detoxification provides the liver, colon and other organs with the enzymes, nutrients and support that they need to eliminate the waste build-up and to function efficiently Again.

* And, the best news yet. Upon further study, it has been found that the flavonoids” in dark chocolate are scientifically proven to act as antioxidants, preventing bad” cholesterol (LDL) in the blood from oxidizing and clogging arteries.

So, if you are looking for a healthy way to cheat” this holiday season, dark chocolate may not be all together a bad option. Facts aside, however, and before you run out to fill your shopping cart Full, keep these guidelines in mind:

* Heed the advice of Aristotle: Everything in moderation.” Refrain from taking the chocolate factory tour.” Keep your chocolate fix to a minimum. Enjoy it, but please don’t over do.

* When you are shopping for chocolate, try to find dark” varieties with at least 70% cocoa.

* Also, make sure Sugar” or butter fat” are not the first items listed.

If you’d like to skip the treat and not the fun, send a virtual chocolate postcard from this fun chocolate website (no calories included) : http://www.virtualchocolate.com/index.cfm

To summarize my findings, it Appears that dark chocolate is in fact our friend (and we will just leave Its aphrodisiac qualities to your own private discussion groups, thanks).

As for the cravings….Well, do we really need” chocolate? Survey says: Dunno. But, with the holidays upon us, a Hershey’s Special Dark Chocolate once in a whilenow available in the sugar free” variety, mind you–sounds Sweet enough to me.

Internally, our bodies produce toxins as a normal everyday function. For instance, perspiring and clearing our bowels are important eliminative functions. A body breaks down when it cannot handle the normal eliminative processes well due to an overload of toxins. The Patch is applied directly to the bottom of an individual’s foot. It is best to place the patch on the foot before bedtime and keep it there all through the Night so that it can achieve the Greatest results.

Detoxification occurs in our bodies daily. Our internal organs, the colon, liver and intestines, help our bodies eliminate toxic and harmful matter from our bloodstreams and tissues. Often, our systems become overloaded with waste.

The premise behind detox diets is that your body is full of toxins, many of which come from the foods you eat. A basic detox diet will have you fast for a certain period of time, which means you will not eat at all. You will then only eat specific foods that are believed to be toxin free, completely refraining from other foods, such as sugar, Red meat, wheat, and eggs.

Using the help available can be the difference between recovery and relapse, so ask your healthcare professional about detoxification programs today. More at http://www.diet-detox.info

Know more about detox diets today!

Article Source: http://www.earticlesonline.com/Article/Cheat-Dieting–Detox-today-/118706

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X-files: Collection – X Marks the Spot, Darkness Falls, Tiger, Tiger, Humbug, Shapes $84.14 New – This collection features five novelizations of classic “X-Files” episodes: “X Marks the Spot”, “Darkness Falls”, “Tiger, Tiger”, “Squeeze”, and “Humbug”.

10 Fragen, Die Die Wissenschaft (Noch) Nicht Beantworten Kann $6.91 New – Haben Gorillas Humor? Gibt es Leben im Universum? Ist alles Aoebersinnliche Humbug? Wie wirklich ist die RealitAt? Und sind Sie noch derselbe (dieselbe) wie vor einer Minute? Dieses schillernde Buch prAsentiert zehn ganz unterschiedliche wissenschaftliche RAtsel, fA1/4r die die Forschung noch keine LAsung gefunden hat oder deren KlArung immer wieder “in den nAchsten zehn Jahren” erwartet wird. Manche Fragen werden auch ignoriert, weil es zu schwierig, zu verwirrend, zu kostspielig oder zu

10 Fragen, Die Die Wissenschaft (Noch) Nicht Beantworten Kann $13.77 New – Haben Gorillas Humor? Gibt es Leben im Universum? Ist alles Aoebersinnliche Humbug? Wie wirklich ist die RealitAt? Und sind Sie noch derselbe (dieselbe) wie vor einer Minute? Dieses schillernde Buch prAsentiert zehn ganz unterschiedliche wissenschaftliche RAtsel, fA1/4r die die Forschung noch keine LAsung gefunden hat oder deren KlArung immer wieder “in den nAchsten zehn Jahren” erwartet wird. Manche Fragen werden auch ignoriert, weil es zu schwierig, zu verwirrend, zu kostspielig oder zu

10 Fragen, Die Die Wissenschaft (Noch) Nicht Beantworten Kann $13.77 Used – Haben Gorillas Humor? Gibt es Leben im Universum? Ist alles Ubersinnliche Humbug? Wie wirklich ist die Realitat? Und sind Sie noch derselbe (dieselbe) wie vor einer Minute? Dieses schillernde Buch prasentiert zehn ganz unterschiedliche wissenschaftliche Ratsel, fur die die Forschung noch keine Losung gefunden hat oder deren Klarung immer wieder “in den nachsten zehn Jahren” erwartet wird. Manche Fragen werden auch ignoriert, weil es zu schwierig, zu verwirrend, zu kostspielig oder zu umst

10 Fragen, Die Die Wissenschaft (Noch) Nicht Beantworten Kann $6.91 Used – Haben Gorillas Humor? Gibt es Leben im Universum? Ist alles Ubersinnliche Humbug? Wie wirklich ist die Realitat? Und sind Sie noch derselbe (dieselbe) wie vor einer Minute? Dieses schillernde Buch prasentiert zehn ganz unterschiedliche wissenschaftliche Ratsel, fur die die Forschung noch keine Losung gefunden hat oder deren Klarung immer wieder “in den nachsten zehn Jahren” erwartet wird. Manche Fragen werden auch ignoriert, weil es zu schwierig, zu verwirrend, zu kostspielig oder zu umst

12 Santa and Snowman with Christmas Phrase Photo Picture Frame Ornaments 3.75 $69.99 From the Ho Ho Holiday Collection Item #34369 Each Santa and snowman photo frame ornament has a festively fun saying: Santa Baby I believe in Santa Santa’s little helper You’d better not pout This is as Merry as I get BAH! Humbug! Ornaments each hold (1) 2 x 2 photo One-sided, flat back ornaments Come ready-to-hang on gold cords Dimensions: 3.75 H Material(s): resin Pack of 12 – includes 2 of each ornament shown

4.5 LED Lighted Color Changing Christmas Bites! Gingerbread Glitterdome $15.99 From the Sweet Memories Collection Item #35488 Embrace your inner Scrooge with this Bah! Humbug! LED lighted color changing glitterdome Light morphs from red, green, purple, dark blue, white and yellow Features a delightfully nibbled gingerbread cookie above a base that reads Christmas Bites! Batteries required – included Dimensions: 4.5 H x 3.25 W x 2 D Material(s): resin/plastic/glitter

50 Reasons Not to Go Home for the Holidays $13.69 New – At no time during the years does that old saying, “You can’t go home again”, ring more true than during the holiday season. Authors Monica Sheehan and Tina Klem provide those who hate the holidays with more than a few reasons to stay home this year. “Bah, humbug!”

50 Reasons Not to Go Home for the Holidays $6.44 Used – At no time during the years does that old saying, “You can’t go home again”, ring more true than during the holiday season. Authors Monica Sheehan and Tina Klem provide those who hate the holidays with more than a few reasons to stay home this year. “Bah, humbug!”

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