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A Guide To Credit Card Debt Management

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A Guide To Credit Card Debt Management

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By Sean A. Kelly

Credit cards may be one of the most convenient tools to help you through life. In fact, in the American culture, credit cards have become a lifestyle. When used wisely and smartly, credit cards may actually help you in times of emergencies and also help you establish a credit history that might help you obtain a bigger loan later in life. However, if you are not careful, you might end up accumulating more debts than you can actually handle. If that should happen, you might be in need of credit card debt management help.

Learning to manage your credit card usage is one thing but learning to curb your debts may be a completely different thing altogether. How do you know if you are in need of a credit card debt management program? There are many tell-tale signs. You may need to be able to distinguish the many different bad credit card habits to see if you do need some advice on how to manage your credit card debts. One simple question is if you have been buying household groceries on your credit card. Generally you should be able to afford your groceries in cash. So if you are buying your groceries on the credit card, it probably means that you are unable to manage your finances wisely. You might also want to ask yourself if your total outstanding balances on your credit card is more than your annual income and if you even can afford to pay off that balance within a year. The rule of the thumb is that your debt should never be greater than your income. So, if you do have a balance that is more than your annual income that you can’t afford to pay off within a year, you might need some help in managing your debts and enroll in a debt management counseling program.

There are still ways for you to curb your own credit debts, by following a few simple do-it-yourself steps, which may seem easy but can be quite difficult to execute without a very strong determination. It has been suggested that the first step towards eliminating your credit card debts, is to stop using your credit card altogether. This is of course very logical because, you may not want to accumulate new debts as you are struggling to be rid of your existing ones. This may have to do with your spending habits more than anything else. You might find living on cash a bit difficult at first but, over time, you might get used to it and perhaps end up saving much along the way. It might also be a good idea for you to prioritize your spending and only spend whatever cash you have on things that you need, such as food and utilities rather than spending them on cable TV or luxurious items.

[youtube]http://www.youtube.com/watch?v=piA_QU1fajA[/youtube]

You might also want to consider various alternatives on how to settle or consolidate your debts. If you are having a tough time keeping track of several credit card debts, it might be a good idea to roll all your unsecured debts into one single entity and make payments to only one creditor. You may do that by getting a debt consolidation loan or by moving the balance from several cards to one single card with a lower interest rate. There are credit card companies that offer 0% interest rate cards. You have to bear in mind that consolidating your debts does not necessarily mean that you will be getting rid of your debts all at once but, you are merely buying yourself some time and allowing yourself to pay off your debts in a manner that you may be able to afford without really tightening your purse strings.

You might also want to consider putting as much as you can in every payment. If the calculated minimum payment is merely the accrued interest, it is advisable that you double that figure in order to hit the principal of the debt. It might be a bit painful at the beginning but, you might find it to be quite liberating as you may be able to pay off your debts sooner than you might expect. By hitting the principal amount you might begin to see the balance dropping steadily as you continue to make more payments.

Enrolling in a cc debt management program may also be an option especially, if you think you are a compulsive credit card user. However it is recommended that you try to manage your debts by yourself first. This is because, in most cases, the reason for being in debt in the first place lies in your spending habits. If cutting up all your credit cards might seem a little bit too extreme for you, you might want to keep only one card and preferably the one with the lowest balance. Keep in mind that it is always better to nip the problem in the bud before it gets out of hand.

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  • 21 Sep, 2021
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Dungeons & Dragons co-creator Gary Gygax dies

Tuesday, March 4, 2008

Ernest Gary Gygax, co-creator of Dungeons & Dragons, died in his Lake Geneva, Wisconsin home on Tuesday at the age of 69 due to heart problems.

Dave Arneson’s Blackmoor was the first role-playing game, a genre in which players describe their characters in thorough detail and can attempt almost any action the character plausibly could. Gygax, then a close friend of Arneson, worked with him during 1972-73 to develop the extensive set of rules (in this case three volumes) that such a game requires. This became the first edition of Dungeons & Dragons. He also fleshed out the default setting for the game, a “sword-and-sorcery” world inspired primarily by fantasy fiction such as Three Hearts and Three Lions. He then founded TSR Inc. to publish the game; although it was a runaway success, financial difficulties ultimately forced the company to sell itself to Wizards of the Coast, which currently publishes the game and is now a subsidiary of Hasbro.

Although not involved with later editions of D&D, Gygax later worked on other role-playing games and wrote fantasy novels. He also designed niche-market board games.

Dungeons & Dragons is considered a tabletop RPG, since it is played with pen, paper, dice and miniature figures. It inspired other tabletop RPGs (such as GURPS), as well as video RPGs (such as the Final Fantasy series). The most recent form of RPG is the massively-multiplayer online roleplaying game, such as World of Warcraft. An estimated 20 million people worldwide have played the game. Magazines, print and web comics and independent bands have been dedicated to the game, as have thousands of fan websites.

Gygax’s death comes mere months before the scheduled release of the 4th Edition of D&D in June, as well as a scheduled “GM Day” among D&D fans on the internet.

Retrieved from “https://en.wikinews.org/w/index.php?title=Dungeons_%26_Dragons_co-creator_Gary_Gygax_dies&oldid=4604343”
  • 20 Sep, 2021
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Train derails in South Africa; at least two dead

Thursday, April 22, 2010

A luxury train derailed in South Africa outside the capitol of Pretoria yesterday, killing at least two people and leaving 25 injured.

The train had been entering a station in Pretoria when seventeen cars derailed, apparently during a switch between steam and electric locomotives, although the exact cause is not known. The train had been coming from Cape Town, with 55 passengers and an unknown number of crew on board.

None of the dead were identified, and nationalities were not released. However, a spokesperson for the operator of the train, Rovos Rail, said that passengers were from several different countries, and that most customers of the railroad were from the US or Europe.

Chris Botha, an emergency worker at the scene said that the derailment had produced “absolute carnage.” According to him, “[s]ome of the railway coaches are lying on top of each other and absolute wreckages. They had to use hydraulic rescue equipment to cut some of the people free.” The section of track where the incident occurred has been closed off.

Retrieved from “https://en.wikinews.org/w/index.php?title=Train_derails_in_South_Africa;_at_least_two_dead&oldid=4608065”
  • 20 Sep, 2021
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UK mounts rescue operation for Spanish trawler in distress in North Atlantic storm

Wednesday, January 12, 2005

This afternoon the RAF launched an operation to rescue nineteen sailors from a Spanish trawler in difficulties in a North Atlantic storm.

Radio contact with the FV Cibeles was lost yesterday evening at 2030 UTC when the crew reported to the ship’s owners that they were in trouble. Last night, UK Coastguard picked up a satellite emergency beacon signal as winds reached speeds of over 70 mph.

This morning a RAF Nimrod maritime patrol aircraft located the ship adrift 180 miles off the Scottish Western Isles. A nearby tanker, the Aegean Spirit, diverted with the intention of taking the trawler in tow and arrived at 1500 UTC.

However, the tanker was unable to take the trawler on tow, and with no other vessels capable of towing the ship nearby, the Coastguard Rescue Seeking helicopter “Mike Uniform” was launched from Stornoway to extract the crew. The tanker remained on scene to offer some protection from the weather, currently reported as gale force winds and rough seas.

  • Joanne Groenenberg. “COASTGUARD HELICOPTER “MIKE UNIFORM” TO EVACUATE CREW FROM SPANISH FISHING VESSEL” — UK Coastguard, January 12, 2005

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This page is archived, and is no longer publicly editable.

Articles presented on Wikinews reflect the specific time at which they were written and published, and do not attempt to encompass events or knowledge which occur or become known after their publication.

Got a correction? Add the template {{editprotected}} to the talk page along with your corrections, and it will be brought to the attention of the administrators.

Please note that due to our archival policy, we will not alter or update the content of articles that are archived, but will only accept requests to make grammatical and formatting corrections.

Note that some listed sources or external links may no longer be available online due to age.

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  • 19 Sep, 2021
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Looking To Build Your Career In Healthcare Sector?

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By Greg Garner

If you have passion to help people, there is no other field better than healthcare. This field not only allows you to show your love towards people but enables you learn new meaning of helping people. In order to make a foray into this sector, the very first thing you need to do is to join one of the healthcare courses to gain the professional knowledge and skills needed to do your job effectively.

Training in healthcare

The training in healthcare means that you are ready to handle necessary tasks that include getting up early morning and working till late at night. You may also need to work at a stretch with your patients to ensure they quickly get back to their normal health.

Before you take a look on the available healthcare courses, you should check what the necessary educational qualifications you need to take to become eligible for the course. Not only classroom training but practical training is also needed to get the real experience. After completing the course, you need to update yourself on latest health issues and events.

Another most important thing to ensure is to join a reputed medical college to get the best-in-class medical education that will help you serve the people in the best possible way.

[youtube]http://www.youtube.com/watch?v=KELuKn2Xcds[/youtube]

Basic information about healthcare

Every one of us comes across the word healthcare in our daily life. It is the care given by doctors, practitioners, nurses or practically anyone related to healthcare. It not only includes treatment and diagnosis of diseases but also for injury or other physical or mental problems faced by us. It also includes the care given for prevention of diseases. The economic and social conditions of a country decide the quality of healthcare given to its citizens. Each country has its own policy regarding health care.

Governments have complete control over the health care sector in some countries whereas in other countries, private enterprises control the healthcare sector leading it into competition and making it a business.

Just like food, water and shelter, healthcare is also one of the basic necessities of an individual. It is considered very important and that is why World Health Organization was formed by the United Nation Organization. It has assisted in providing health care to all the countries of the world especially the third world countries. It played an eminent role in wiping away small pox completely. It is working on many other diseases especially the communicable ones. They not only provide healthcare but also educate people about various diseases.

Many sides of health care units

Various types of healthcare units are present which provides services for the good health of people.

The system of health care changes from nation to nation.

Doctors, nurses and other medical staffs are employed in these healthcare industries.

The clinic members are appointed to take care of their patients and to check for the amount of drugs provided to the patient.

Research members of these industries carry out various types of treatments which will help in curing diseases that might crop up in future.

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  • 18 Sep, 2021
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MOEA Taiwan signs MOUs with 5 global WiMAX companies to connect with networking industry world-wide

Monday, October 22, 2007

At the 1st day of WiMAX Forum Taipei Showcase & Conference, Ministry of Economic Affairs of R.O.C. Taiwan (MOEA Taiwan) not only set M-Taiwan Pavilion supervised by Industrial Development Bureau of MOEA Taiwan, but also signed MOUs with five world-class WiMAX companies to enhance the advance of networking industry in Taiwan especially in WiMAX environment.

In the contract-signing ceremony, MOEA Taiwan chose Alcatel-Lucent, Motorola Inc., Nokia-Siemens, Starent Networks, and Sprint-Nextel to sign MOUs with different technologies such as interoperability testing (IOT) to help companies in Taiwan with testing and purchasing WiMAX networking devices and develop solutions with high prime costs to expand the opportunity in global marketing.

“Governments and networking industry in Taiwan is still promoting on M-Taiwan project, the investment with WiMAX infrastructure in Taiwan is the 2nd highest in the world, we estimate that by 2012, the production value of WiMAX will break NT$140 billion. With the MOUs signing, the industry development of WiMAX infrastructure in Taiwan will be improved rapidly with product testing and lots ways of applications to ensure the prime position in the global WiMAX chain.” Steve Ruey-long Chen (Minister of Economic Affairs of Taiwan) remarked at the Ceremony.

According to MOEA Taiwan, this MOUs signing is the 2nd time after signing with world-class companies like Intel, NEC, Nortel, and Rohde & Schwarz Technology. With this MOUs signing, it will improve the networking industry and WiMAX infrastructure in Taiwan.

Retrieved from “https://en.wikinews.org/w/index.php?title=MOEA_Taiwan_signs_MOUs_with_5_global_WiMAX_companies_to_connect_with_networking_industry_world-wide&oldid=546345”
  • 17 Sep, 2021
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Man cuts off his own penis in UK restaurant

Wednesday, April 25, 2007

An unnamed Polish man, 35, is being treated at a hospital in London, England after he cut off his penis with a knife at Zizzi’s pizza restaurant on Strand Street in the city of Westminster.

“We were called at 9.00 p.m. on Sunday to a restaurant on the Strand to reports of a man in possession of a knife. Officers attended to discover a man believed to be 30-40 years old suffering from an injury. He was taken to a south London hospital in a stable condition. No one else was injured and his injuries are believed to be self inflicted,” said a Scotland Yard spokesperson.

Police had to use CS tear gas on the victim in order to subdue him to get him to the hospital to receive medical attention.

Witnesses say that the man came into the restaurant, picked a knife up off the floor of the kitchen and then got onto a table and cut off his penis.

“At around 9 p.m. on Sunday, a man walked into the Zizzi restaurant on The Strand, down the stairs to the basement restaurant area and tried to enter a kitchen. Members of staff stopped him, at which he ran into a second kitchen area. The man then picked up a kitchen knife and slashed himself across the wrist and groin areas before running back into the restaurant, where he continued to stab himself,” said a spokesperson for the restaurant.

Surgeons are attempting to reattach his organ in what doctors call the first time this kind of surgery has been performed in the UK. It is not yet known if the operation was successful.

“If it doesn’t take, then you would have to re-amputate it. Attaching the penis is a very long, complex and painstaking operation,” said Francis Chinegwundoh, a urologist at St Bartholomew’s Hospital which is located in London. Chinegwundoh also said that that the victim will not feel his penis and it will not be possible for him to maintain an erection unless he uses a special machine, even if the operation were a success.

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  • 16 Sep, 2021
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No people or animals hurt in rural Australian fire

Saturday, January 30, 2010

According to local police chief Craig Van Breugel there were no injuries or loss of life to animals or local residents in the recent fire in the rural Australian town of Toongabbie. “There was no injury to persons or animals. That is all I have for you,” Detective Acting Sergent Van Breugel said in response to queries from Wikinews.

The fire began about 2:20 pm local time (UTC+11) between Humphrey and Eagle Hawk roads, north of the township proper. The local Country Fire Authority brigade managed to contain the blaze to approximately three to five hectares.

Victoria Police have recently indicated that the area around where the fire was started is only accessible by four wheel drives (4WD) or off-road motorcycles; it is popular with dirt bike riders and 4WD enthusiasts.

The local Country Fire Authority brigade managed to contain the blaze to approximately three to five hectares between Humphrey and Eagle Hawk roads.

Det.Act.Sgt Van Breugel confrimed that there wer some off road motor cyclists in the are that day. “[Police] know there was a number of off road motorcyclists in the area on the day. Some of [them] have already been spoken to by the Police” Det.Act.Sgt Van Breugel said.

The fire is being treated as suspicious and people with infomation that may help the investigation are encouraged to contact Crime Stoppers or the local police.

Retrieved from “https://en.wikinews.org/w/index.php?title=No_people_or_animals_hurt_in_rural_Australian_fire&oldid=4360071”
  • 15 Sep, 2021
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How Useful Folding Doors In Bedrooms Are

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Submitted by: John Schofield

It used to be that folding doors were only supposed to be used outside but recent trends have shown that many tend to use these doors used inside the homes now. Before, you would usually see them placed near swimming pools as some decorative items. But now, these doors can even prove useful inside your room.

If you happen to rent a house with lots of open space, you will not have any problem hosting the party at home without having to compromise your privacy. Some people do not like inviting people to their homes because that would be an intrusion to their privacy. However, you can use folding doors as perfectly functional room dividers. The good thing is that you can even pick one that is soundproof. Thus, once you have closed the part that marks your space for your room and stay in it, you would not hear lots of disturbing noise from the other division which is the party venue.

[youtube]http://www.youtube.com/watch?v=b5jYqvvJh-0[/youtube]

Another way to creatively use these folding doors as dividers is when you have a big room and you want to convert it into two rooms. Again, you can have the doors as your dividers and successfully maximize the use of your open space. You do not even need some post to base your track on for the folding mechanism of the panels to work. If your apartment also has a very small space and you need another separate section for some special purpose, the dividers would be a big help.

There are different styles that are used in folding doors. Thus, you can have the freedom to choose whatever the atmosphere and appeal that you would like to achieve at home or in your apartment. If you just want a simple and natural appeal, you can just easily go with wood as your folding door materials. Wood matches almost any look of any house, from traditional to modern appeal. Moreover, wood does not come off as something all business due to its warmth.

If you have a room adjacent to a balcony, it would be better to use bi-folding doors instead for better control of the light and ventilation in your room. This would not have been possible with the use of unmoving door panels of the French doors. If you do not want the heat from the balcony or too much light, you can move the panels the way you would like to.

Bi-folding windows are also perfect for rooms that really lead to the outdoors and the empty space outside. These windows would just be like mini bi-folding doors fitted in a smaller space. Such windows would be perfect if you want to keep potted plants in your window boxes. This time, you should be careful with your plants and the inward pull of your panels can save them. If you are making a sofa arrangement near the window, you can open the panels to the outside for better accommodation.

Find folding doors that can move on the tracks smoothly and easily. Jammed bi folding doors would be useless to you.

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  • 15 Sep, 2021
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Jordan’s King Abdullah meets survivors of Beslan school siege

Sunday, November 5, 2006

On November 5, 2006, King Abdullah II of Jordan met with 90 survivors of the Beslan school hostage crisis during their week long vacation in Jordan, organised at the King’s expense.

The King watched the students perform traditional dances and reviewed artworks that they had created celebrating the theme of cross-cultural communication and understanding. The event took place at the King’s Academy, in Madaba, Jordan.

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  • 14 Sep, 2021
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