We often see people pull out “plastic” to pay for everything they need. Why not? When all it takes is a quick swipe of the card through a little electronic box and a signature then, everything’s okay. You go home happy, content, and almost worry-free. On the other hand, not every one of these people realize that the convenience of using credit cards can lead to a false feeling of financial security. And this realization will strike them as soon as the bills arrive.
In fact, studies show that credit card debt and personal bankruptcies have increases bank profits to the highest level in the last five years. It only shows that more and more credit card holders were unable to manage their finances that lead to credit card debt. If you are a cardholder and having some credit card debt troubles at this early stage, it’ now time to think over the possible outcomes of this minor glitch so that a more serious problem with credit card debt would cease to arise.
Credit card gives people the feeling of invincibility. And it also gives them tons of uncertainty about their financial management capability when they encounter problems with their credit card debt. Although it is true that that credit cards solve financial matters especially when it comes to safety and convenience, credit cards also creates hassle especially when the person using it doesn’t know what you he or she’s getting into.
Indeed, paying off credit card debt may take a long time especially if the person has high interest rates. But, it doesn’t mean that you can do nothing about efficient management of credit card debt. When you find yourself overwhelmed with credit card debt, don’t fall into a pit of depression. You can get through it with discipline and a change in spending patterns. Start eliminating problems with credit card debt by getting tips and techniques on how to pay off your balances easier, how to consolidate of frequently encountered problems, look for free debt consultation agencies that can help you, and try—inch by inch—to rediscover ways on how you can regain your financial freedom by reducing you credit card debt.
Everyone knows that Cuban cigars are the most coveted cigars, renown worldwide for their smoothness and rich flavors. Indeed, Cuban cigars are so prized that many illegitimate dealers have been known to sell fake Cubans to unsuspecting cigar smokers. How do you tell if what you have is a fake or the real thing? First, make certain that you purchase your cigars from a legitimate dealer. Buying from your local tobacconist or a reputable mail order business can protect you from forking your money over for a box of fake cigars.
If you have an opportunity to purchase a box of purported Cuban cigars, but have your doubts, take the time to examine the box before purchasing it. Here are a few tips to help you spot the fakes from the real thing.
The most important thing to examine is the box. Authentic Cuban cigars will contain a green and white warranty seal on the left front side of the box. The seal will contain an insignia that has a picture of a shield and a hat. On the upper right hand corner of the box, you should find a white sticker that is placed diagonally with the word ‘Habanos’ printed on it. The overall appearance of the box should be neat and clean. If the box appears damaged, smudged, frayed, or marked, avoid it. If the color of the box is dull, don’t buy it. Even if the cigars are the real things, their quality may have suffered in transport. If you are in the market for Cohiba, Trinidad, or Q’dorsay brand cigars, know that all authentic Cohiba’s will contain the green and white warranty seal on the right hand side of the box.
The Nano is the cheapest car in the world. This latest development of Tata Motors is a technological invention, which comes in a compact package and gives you a mileage of 50 miles per gallon. The company has the plan to sell the car for only $2,500. The production has already begun in the plant in Gujrat, India. The car comfortably accommodates 4 to 5 people with a little bit of space in the boot.
This is dream project for Tata and due to the low price of the car; it is often referred as the people’s car. This car is bound to create history in the automobile industry. The plan for exporting this car is almost fixed. The automotive consultant Fionna Prims opined that this car will put India in the global map. An Indian company achieved within four years what the Japanese have tried for more than thirty years. It is a dream project for Ratan Tata, the head of Tata Motors. Nano is already attracting the attention of various foreign investors.
In spite of the low cost, the safety measure and the Euro pollution norms is not compromised at any cost. The car was officially launched at the 2008 Auto Expo at New Delhi, India. There is a high expectation for this car as Tata has already been dominating the market of buses and trucks in India.
Danny Boyle’s Slumdog Millionaire based on ‘Q&A’, a novel written by Vikas Swarup has been nominated in 10 different categories in the Oscar. Along with other movies, it is in the race for the best picture, original score, direction, original song, sound mixing, adapted screenplay, editing (film), editing (sound) and cinematography. The London based teen-actor Dev Patel, who played ‘Jamal’ in Slumdog Millionaire has missed the nomination for best actor. This movie has already won 4 Golden Globes Award and received 11 nominations in Bafta. This film is turning out to be the greatest hit.
But controversies never go away easily. Indian legend actor Amitabh Bachcha has highly criticized this film. He stated that the film has project India in a wrong manner and exposed the under belly of a developing nation. Several protests are being organized in different part of Mumbai where the film was actually shot. There is a plan to file a law suit in order to change the film’s name though the crews of the film are ready for the defense. The reaction received about this film is mixed. No matter what is said about the film, it is generating profits in millions.
Barack Obama, the newly elected US President appeared in the White House with his wife to met Mr. George Bush. It was a meet organized for the official transfer of the power after Obama won the election a week before. Mr. & Mrs. Obama who were initially greeted by Bush and his wife, Laura toured the White House for 90 minutes. The cameras kept on clicking uninterruptedly. Obama proceeded towards the Oval Office accompanied by Bush. Obama, in spite of serving tenure of four years as a senator had never been to the Oval Office previously.
The transfer of power took place and the matter related to economic progress and security measures were primarily discussed. Obama even thanked Bush for his commitment and Laura Bush for the hospitality at the White House.
Bush is trying hard to wind up couple of controversial issues before he retires officially. On the other hand, Obama is trying to unwind issues related environmental protections and research in medical fields, which were raised during the era of Bush. Thus you can notice an underground tension between them.
2008 was considered as the eighth warmest year of Earth. The eighth position is actually shared by both the year 2008 and 2001. It was calculated on the basis of combined temperature of ocean and land across the globe. NOAA’s National Climatic Data Center situated at Asheville has generated this report. The month of December was selected as the eight warmest in the universe. The calculation has been based on the records preserved since 1880.
The preliminary data collected at several places is the main source of this report by NCDS though it can be revised anytime at their discretion. The report took some extra time to arrive and extra precautions were taken to preserve the data carefully. The new scientific techniques used by NCDC have resulted in this delay.
The Goddard Institute for Space Studies of NASA has even ranked the year 2008 as the 9th warmest year based on its calculation. The data used by NASA and NOAA vary a bit but the Federal Government has accepted the fact that our environment is deteriorating constantly. Only if we react now, we will be able to protect our future.
There was a report of blu-ray being hacked recently though it has been un-hacked now. The blu-ray disk of the movie Jumper was protected with recently updated BD+ secondary layer of blu-ray as reported by ArsTechnica. It was secure for a week but after that a cracking application flooded the market, which helped in cracking the security measure of the disk.
ArsTechnica stated that even on temporary basis BD+ can be re-secured. But a lot of questions were raised related to the future distribution of data. The DRM technology is used to abolish content theft, if not then make the theft more difficult. The DRM is regularly updated so that companies like Slysoft find it difficult to target in cracking the code. The economic battle on both sides can be own or at least settled with the help of this dynamic system. If you are planning to make a studio, you should have all the money and time to regularly update DRM and thus protect your data from being stolen. On the other hand, Stylos should give more effort in breaking the code of every new version that is released. The company regularly reviews the launch of new version.
The biggest fraud in history of Indian economy has been unearthed and it is bigger than Enron. The $40 billion fraud has shaken the foundation of IT sector in India. The founder Ramalinga Raju of Satyam along with his brother Rama Raju is spending nights behind the bars. The Government of India has decided to give financial support to this wretched company. Raju brothers surrendered at Hyderabad couple of days back and they are currently under remand. Legal proceedings have already started against them even in the US.
Now what is the future of the Satyam employees? There are around 53,000 employees and they are totally in dark. Many companies are showing their interest to acquire staffs from Satyam. There is not yet any official declaration related to any layoffs, but rumors are spreading like forest fire.
The Government appointed a board of three members to look after Satyam currently. Other major IT giants have requested not to consider this incident to be the face of Indian IT sectors. No matter what others say, the scenario at the IT industry has been blackened just after it started to recover from the heavy recession. Now we can only wait and see.
Since 9-11, everybody traveling by air has developed a certain phobia. All they want to do is to complete the journey fast and land safely. But there is really nothing to panic and you can absolutely make a safe trip if you follow some simple rules.
You are less likely to end up in an accident if you travel in a non-stop flight. Most accidents take place during takeoff, climb or drop. Choose aircraft, which has seating capacity of more than 30 passengers at least. Bigger aircrafts provide better safety to passengers during accidents and emergencies. Before boarding the flight you must pay attention to the preflight briefing. The weather report is very crucial. Do not put heavy articles inside the overhead storage as they often fail to withhold during turbulences. During any emergencies, keep yourself attached to the seat by using seat belts and listen to the flight attendants carefully. You should not carry any hazardous or inflammable material along with you inside the flight. It is also not advisable to drink much during the flight.
If you keep yourself a bit alert, you can avoid most of the chaos that might take place. On suspicion of any unnatural event, report immediately to the authority. Act wisely and your journey will be safe.
A parent-child relation is very important and it is a delicate relationship. As a parent, it will be your responsibility to give an extra effort to make your child understand how much you love and care about him or her.
Best way to convey your love is by saying it. Irrespective of your child’s age, you can always say “I love you”. It is your responsibility to make him understand about faith and religion from an early age. Give your child a special name and always call him by that name. Before he goes to bed, talk to him for some time regarding daily activities. Make it a habit of spending some moments with him before retiring to bed. If your child wants to help you insomething, never discourage. Even if you know that his action won’t do much good, still it will make him happy. Whenever you get some time, you can play with your child. As a family, you should eat your meals together. It will make your child more confident and his trust level upon the family will increase.
It is not easy to bring up a child but if you can follow certain steps, then definitely your son or daughter will be proud of you.
Most of us use credit cards and sometimes we fail to make the payments on time. But if this habit continues, sooner we will be buried under the huge burden of financial debt. If you follow some simple steps, you will be able to manage your credit card dues in a better way.
Most importantly, never spend more than what you can pay. The income and spending ratio should be around 3:1. Now suppose you have already spent a lump sum amount on your credit card and the burden is on your shoulder. What should you do? Reduce all of your expenses as much as you can. As soon as you get your pay check, clear off the dues of that month instantly. Do not wait for the due date to come. Try to pay at least 3 to 4 times more than the minimum payment required. You can also go for a balance transfer. Transfer the balance from your low-interest credit card to the high-interest credit card. In this way you will be able to reduce some of your financial burden.
Credit cards are very handy and play a great deal in times of emergencies. If you can use it efficient, your financial status will become rock steady.