Debt Consolidation Advice - Finding Best Debt Company That Does Debt Negotiation, Credit Settlement

By my own count, there are some 7 different ways available which have been identified by experts as the basic options to debtors by which they may seek to get out of debt. These options range from bankruptcy, debt settlement, debt consolidation, and loan modification programs, to credit counseling and the "do-nothing" approach.

In today's American economy, there are two related options which consumers seem increasingly to be turning to in trying to resolve their debt problems. They are the debt negotiation and debt consolidation advice options. That is, consumers hire and rely on debt settlement companies to process their cases for them.

How Do You Tell the Good Companies from the Bad Ones?

In this regard, a common question often asked by debtors who seek to undertake the task, often goes like this: how do I find the best debt company that does debt negotiation or settlement and is legitimate and reliable, and not a fraud?

Hiring any debt relief company is just like hiring any professional to do a job for you - there are GOOD ones and there are BAD ones, and since you'll just need to do your homework.

There are so many of these Companies to Sort Through Today

By one recent study done by one reputable internet investigation site, there are an estimated 4,000 companies in the United States today that offer debt negotiation, credit settlement and / or debt consolidation advice. Each of these companies are out trying to out-do the other - through constant advertising bombardments and claims on the Internet, radio and TV, newspaper ads, etc - that their own particular brand of services is purportedly the most excellent and highest quality of all. Consequently, finding a truly good or the best debt company by a consumer under such circumstances, is not at all an easy task. So, how the heck can the average person tell the good ones from the bad ones?

Here, it is critically important that you choose the right company. Like any other industry, there are good companies, and there are bad companies.

So, how the heck can the average person tell the good companies from the bad ones?

Researchers at one reputable at the above-mentioned online internet review site who conducted a major in-depth study on this vital issue, thought a definitive answer to this issue of how to find debt company that's the best that does debt negotiation and credit settlement. Or, how to tell the very best companies from the bad ones?

They came up with the following answer: simply use some 9 carefully chosen "Key Relief Evaluation Criteria" or KDREC in evaluating the right debt settlement company to hire.

They are:

THE 9 KEY DEBT RELIEF EVALUATION CRITERIA BY WHICH TO EVALUATE AND RATE THE BEST DEBT NEGOTIATION OR CONSOLIDATION COMPANY TO USE

1: A check to ascertain membership of, or accreditation by, one (or more) of the recognized accreditation institutions for the debt
relief industry.

The best debt settlement or consolidation companies are usually accredited with either one or the other of these:

a) The Association of [Debt] Settlement Companies (TASC); Egypt
b) Association of Independent Consumer Credit Counseling Agencies (AICCCA); Egypt
c) National Foundation for Credit Counseling (NFCC)

2. The Reputation of the company. Includes the Dependability Factor. How long has the company been in business? Is this a
company you can trust?

3. Variety of Solutions. Does the company only offer ONE debt relief solution? Or are they well-versed in a number of options?
Having a variety of choices means they can find the right debt relief program that fits your specific needs.

4. Cost. How does the debt relief company get paid? The best ones will earn their money from a percentage of what they save
you; that way, they only get paid if you save money.

5. Does the Company Readily Offer or Volunteer Some Information and Free Counseling

6. What Does a Background Check on the Company Reveal About Experience, Quality of Personnel, etc - on certain issues of law,
credit, policy, etc?

7. Are There Reviews from Respectable or Objective professionals, journals or Review Media or Organs on the Company's Services

8. Does the Company Offer Lessons or Programs Tactics for Staying Out of Debt?

9. Provision for Fees & Payment Schedule Modification In Case of Emergency?

A FEW ADDITIONAL CRITERIA

Experts say that you should first whittle down all the companies you can find and narrowed them down to a manageable number, say to a dozen or so. Thereafter, just to be really sure that you are sure to have the very best settlement company, you may now apply a second and final set of criteria to the initially selected group to try pick the very TOPMOST and best one you should go with out of the whole pack. Criteria such as these:

The SECOND 9 Criteria
== Written guarantee by a company for overall savings.
== Service affordability for the average person.
== Secure website.
== Evidence of large amount of savings to clients.
== Has company successfully reduced millions of dollars of consumer and small business debt.
== Customer satisfaction response times ..
== Does company help protect clients' credit standing.
== Is customer reasonably able to speak with their debt negotiator whenever they want or was necessary.
== Flexibility of the program based on what a customer may have available on a monthly basis.

Properly done, employing these criteria should immediately give you the very best debt company that does debt negotiation and credit settlement, and provides the best debt consolidation company that's absolutely reliable and almost guaranteed to eliminate any debt settlement fraud for you.

To conclude, let me repeat. It can not be emphasized enough, picking the proper debt settlement or consolidation advice company that's competent and reliable, is the whole KEY. With the right one, it can help you have a much better deal, you can save some 40-60% on your debts. But it takes, however, a little time, a great deal of patience, and, most especially, some considerable research to be able to get the best one of such companies.

If you do your "homework" by following the above-out tips in picking the company to use, you'll dramatically reduce, even completely eliminate, the chances of getting scammed and ripped off. And most importantly, you'll increase the chances of getting the proper financial help and settlement you need!

The Good News

The good, even BETTER news, is that actually certain reputable online review organizations have already done the kind of detailed evaluation work on debt relief companies of the type we're talking about, using exactly the same selection criteria outline above. They comprehensively studied, evaluated, graded, ranked and ranked the companies in the debt relief industry and came up with a finalist list of Top One Dozen Companies, as well as the topmost one in the country.

FOR FOLLOW-UP INFORMATION

You want to learn more about how you can use the above-listed fool-proof criteria to find best debt company and the right and most reputable one that independent studies trust for your debt negotiation? Or, you want to find the comprehensive list of those companies that have been studied by the above-mentioned review organization and graduated, ranked and ranked, as the BEST DEBT NEGOTIATION, CREDIT SETTLEMENT AND DEBT CONSULTATION ADVICE COMPANIES IN AMERICA, using the above criteria ? Please visit this site: http://affordablebankruptcy.blogspot.com

Pros and Cons of Oil Spill Dispersants

Oil spills cause a lot of harm to the underwater communities affected by the oil. The utilization of oil spill dispersants is sometimes controversial because of misunderstanding about the principle of dispersing oil and the lack of knowledge of the limitations of alternatives response techniques. These dispersants are the chemical products especially designed for marine clean up. They are exclusively developed to deal with problems associated with marine related oil spills and the professional clean-up operations that follow the spill. The advanced marine technology has made it easy to tackle the marine oil spill problems with the help of advanced oil spill dispersants.

The main purpose of oil spill dispersants is to remove the spilled oil from the surface of the sea and transfer it into the water column where it is rapidly diluted to below harmful concentrations and is then degraded. The dispersants reduces the damage caused by floating oil to some resources like the sea birds, and minimizes the damage that could be done to susceptible coastline by spraying the dispersants on the oil before it reaches the shore. However, the use of the dispersants has the potential to present a small risk of temporary and local exposure to dispersed oil for some marine organisms.

The oil spill dispersants do not function to remove oil from the water. Instead, they break down great oil areas into much lesser pieces that make it simpler for all the sea creatures to deal with it. The down side is that dispersants also facilitates the spreading of the spilled oil more extensively into the atmosphere. While the center of everyone's attention is to do everything possible to prevent the oil from reaching the shoreline, often it is often overlooked that there is a large effect on sea floor organisms caused by the oil. These days, robots are being used undersea to spray the oil-spill dispersants directly on the oil since it spreads on the ocean floor.

Using oil-spill dispersants is a controversial topic, as many people feel that they add to the harms caused by the pollution. However, there are other groups of people who support its use because it is the most quick and effectual means of reducing the harm that is likely to be caused by the spill. All the evidence that has been gathered during thirty years of research indicates that there is only small risk to marine life when the dispersants are used, when compared to the direct effects of the spill. It has been scientifically proven that the utilization of dispersants can be an effective oil-spill response method and there is little likelihood of oil-spill dispersants causing negative effects unless they are used in shallow water or very close to particularly sensitive species.

Even in cases when oil spill dispersants might cause negative effects, the positive benefit obtained by their use might outweigh this to produce a Net Environmental Benefit. Nevertheless, any use of dispersants must be carefully planned and explained to all those who might be affected by an oil spill.

It's Our Job to Trade "Futures" Not "Histories"

Through the years I've been trading and writing I've often written about mind set - having the right frame of mind for your trading so you become a winner.

I've stated that it is our job to trade "futures," not "histories."

The future is the next bar on your chart. You can not possibly know how it will develop, how fast prices will move, or where it will end up. Since none of us know where the very next tick will be, it's impossible to know where the tick after that will be, or the tick after that, etc. All we know at any one time is what we're seeing. Interestingly, what we're seeing may not be true.

If we are day trading, we are not sure that what we're seeing is a bad tick, especially if it is not too far astray from the price action.

The daily bar chart does not always tell the truth, either. The open may not be where the first trade took place. The close is merely a consensus, and may be quite a bit distant from where the last trade took place. The high may not have been the high, and the low may not have been the low. If you do not believe that, then I challenge you to pick up any newspaper and take a look at some of the back months.

For example if the exchange has reported that a back month they opened at 9755, with a high of 9802, a low of 9760, and a close of 9784. Does that make any sense? How can the low be higher than the open? How can the close be higher than the high? Yet that's the kind of garbage we have to put up with in this business.

Now you know the problem with back testing. Back testing and simulated testing are based on nothing but lies. That's why they do not work when you actually put them to the test with real data.

In fact, there are many reasons why back testing and simulation will not work, and I may as well dump them in your lap right here.

Because you do not really know where the high or low were, or if the market ever really traded there, you do not know if your simulated stop was taken out or not.

If you say you have a system in which if you get three up days followed by a down day, the market will be up twelve days from now 82% of the time, then your entire statistical universe may have been based on what is not true .

Have you ever watched cocoa from the open to the close? You can clearly see it trading at the open, but by the time the market closes, the open will at times be placed opposite the close. That might be fifty or more points away from where you saw it open and trade, and also as born out by a report of time and sales.

The way they report cocoa prices is going to give a fit to a lot of candlestick traders. Why? Because they are going to see far too many "doji's" (open = close), more than are really there. Cocoa is not the only culprit, but historically, it is certainly one of the worst

When you see a completed bar on a chart, you have no idea which way prices moved first. You do not know if they moved down first or up first. You do not know whether or not prices opened and then moved to the high, went down to the low, and then traded in the lower half of the price range until the close, at which time prices soared up to the high and closed there . You have no idea of ​​the overlap. I've seen prices trade from one extreme to the other more than once at each extreme.

In any of those instances, your protective stop could have been taken out intraday.

You know nothing of the market volatility on any given day, once you see a completed price bar. Were prices ticking their normal, exchange minimum tick, or were they ticking two or three times the minimum every time prices ticked?

Even if you purchased tick data for your simulation, showing every single tick the market made, you do not know what the volatility was. For instance, you do not know if the S & P was ticking five minimum fluctuations per tick or twenty-five minimum fluctuations per tick, and if it was doing it quickly or slowly. You do not know and you can not know, and anyone who tells you their simulated system works, based on such phony baloney, is a liar.

Not knowing how fast the market was mean you could not really know what the slippage might have been. The faster the market, the greater the slippage. You can sit there and say that you would have gotten in at a certain price or that you would have exited at a certain price, but if you do not know the market volatility, and how fast the market was, you do not know enough to say that you would have done such and such. Not knowing how fast the market was, you have no way of knowing how much slippage there would have been on your entry or your exit. Without knowledge of slippage, you can not possibly know the risk.

That is also true of volatility. Volatility is made up of range of movement, speed, and tick size. If you do not know the amount of slippage, you will not know the amount of the risk you would have encountered.

As if that's not bad enough, you also do not know how thin the market was at the time you would have traded it. If you are position trading, you can not go by the reported daily volume (which is always too late to do you any good), because there is no way to know what the volume was at the time your price would have been hit. So here again you have no idea of ​​what slippage you might have encountered, and once more you would not have known the risk.

If you want to spend your money on trading systems based upon the unknown, then you must assume the risk of doing so. Since this is a business of assuming risk, you are entitled to insure prices in any market that you care to.

Insurance companies spend a lot of money to make sure that the risks that they take are actuarial sound. That is the equivalent of finding good, well-formed, liquid markets to trade in. But any market can become totally chaotic. Markets can become extremely fast, and they can become quite volatile. So even if your system was back-tested in a liquid market, when that market becomes fast and / or volatile, your back-tested, simulated system will not be able to cope with it and you will lose. It's like going out to write life insurance on a battle front.

If your back-tested, simulated system factor in some room for fast and / or volatile markets, then, when you will be trading in slow, non-volatile markets with the built in factor, you will be utilizing a system that is totally inappropriate for the slow, non-volatile market you are in. The best you can hope for is an "optimized" system. How can you possibly expect to compete with traders who are acting and reacting to the reality that is at hand at the time?

Extensive back-testing is for historians, not traders. It is the wrong view of the markets. Your trading must be forward looking without being ridiculous about seeing into the future.

If you do not know where the next tick is, how can you possibly know where the next market turning point will be? Can you see into the future?

Maybe you like to trade astrologically. Those people are always trying to peer into the future.

In the auto business they have a saying, "There's an ass for every seat." Likewise, there's a fool for every fortuneteller who claims he can see into the future.

I guess you can always go out to your local cemetery and hire a witch to tell you what beans will do tomorrow. She may even be right from time to time.

You could always do as one charlatan did and run the biorhythm for each market based on the day it first started to trade. Or, you can cast the markets horoscope based on the same date. With the biorhythm, you'll know what time of day the market should be on its highs, and what time of day it will be on its lows.

You'll know which day the market will be ecstatic and reach a new high, and which day it will be down in the dumps and make a new low. However, you'll find that from time to time the market will reach new lows on the day it was supposed to reach new highs. Well, that's easy enough to explain. You can tell everyone "We've had an inversion. Until the market inverts again, the lows will be the highs, and the highs will be the lows!"

What Is a Wireless USB Card?

Wireless USB card is a wireless network card, which plugs into the USB port of your computer and allows you to connect to a wireless network (Wi-Fi or carrier's cellular network). If several years ago people used wired Internet connection mostly, then recently many people use wireless Internet. There are many free Wi-Fi spots in cafes, hotels, restaurants, public libraries, airports, and schools. There are everywhere! Virtually every wireless USB card is compatible with Wi-Fi. It's standard by now.

Unlike Wi-Fi, which allows you to keep connecting for a range of around 200 feet, wireless Internet service provided by cell carrier allows you to obtain wireless Internet service where your cell carrier provides coverage, and this provides much more coverage than 200 feet. If you want to gain access to the Internet via cell carrier network, you must pay a monthly fee for service. A standard data plan includes 5 GB. This is enough for surfing the Internet, using e-mail service, playing online games, watching short online video clips, but if you want to download massive files like movies, it's better to use Wi-Fi for this purpose.

You'll be able to use the card either with laptop or desktop computers. Using the card with a laptop gives you mobility. You'll be able to use Internet while and whenever you want. It's very important for people who travel for business.

A wireless USB card is compact, it's very easy to install it and it will start working quickly. Some models of cards have an external antenna, it allows the user to pick up a stronger signal.

Download Free PSP Games On The Memory Stick

So, you want to download some PSP games on the memory stick? I'll tell you how to do just that.

This is what you do. First of all, you can not download directly to the PSP memory stick. You have to download to your computer, and then transfer it to the PSP memory stick. And before you can play downloaded games you have to modify your PSP from the official version to a custom version. That's a more involved process. but you can find out how to do that through the link at the bottom.

So, in order to download games and save them to your Memory Stick, do the following:

1. Get a good memory stick. I recommend that you get a Memory Stick Duo in at least a 1 GB size, although a 2 GB is even better.

2. Find and download the PSP games you want. If you do not know where to find the games try a download service. A good one will let you have unlimited downloads for a small one-time fee. You can see the link below for more information.

3. Unzip the game files and save them somewhere that you can find them easily, like your desktop.

4. Plug your PSP USB cable into your PSP and your computer.

5. For PSP games- go the root directory on your PSP then make a folder called ISO. (If you downloaded PSOne games, go to the root directory on your PSP and find the folder called PSP / GAME.)

6. Copy the PSP game files into the ISO folder. (Copy PSOne game files into the PSP / GAME folder.)

There- it's that simple. Now that you know how to download PSP games on the memory stick, just follow the link at the bottom and get started finding some games to download.

All You Need to Know About Business Liability Insurance

Operating a business is complex, as you have to deal with risks that are associated with it. You need to consider purchasing business liability insurance to protect your business from financial loss in the event of lawsuits or third party claims that are common in today's world of litigation. There are a number of insurance policies available in the market, but you need to purchase one that suits your business' needs and covers every risk that your business is likely to face.

Business liability insurance protects business and its owner in case of claims made by third party for physical injury or damage to the property. The coverage includes damages due to lawsuit in addition to legal costs.

There are four main types of business liability insurance, purchase the one that suits your business' needs.

• General / commercial liability insurance: It is also known as Commercial General Liability (CGL) insurance. This coverage protects your business against the lawsuit made by third party for bodily injury or property damage. Under this cover, CGL pays the medical expenses and legal fees.

• Professional liability insurance: This type of insurance protects professionals such as accountants, doctors, lawyers and engineers in the event of claims made by a third party or client for negligence, malpractice, errors or omission, while providing services to the clients. Professional liability insurance is a legal requirement for some professionals who are specialized in their relevant fields.

• Product liability insurance: Product liability insurance protects against liability from the use of faulty or damaged products. It is mean for manufacturers, wholesalers, distributors, retailers, or any others who sell the product to the public. The liability may be on account of injuries or damage caused to the customer by using a defective product.

• Commercial auto insurance: This insurance covers both liability and property risks a business owner faces, while using cars, trucks, autos or trailers. During driving, if the company vehicle injures other people or damages their property, the policy covers the claims made by the third party. This policy may also cover your employees, using their personal vehicles for your business purpose.

Types of claims
The business liability insurance covers four basic claims made by the third party. They are:

• Bodily injury - The liability covers the claims, if a person is accidentally injured by your company or its employees.

• Property damage - This type of liability coverage pays for damages caused by you or your employee to others' property such as vehicles, house or furniture.

• Personal injury - Personal injury is different from bodily injury. In personal injury liability, it covers the policy holder from third party claims on issues like slander or libel. This cover also includes damage to a person's or company's character, invasion of privacy or false arrest.

• False or misleading advertising injury - An advertisement injury is a harm caused to a third party as a result of the policy holder's advertising efforts. The claims that are covered are slander, libel, copyright infringement and invasion of privacy.

Costs covered
Business liability insurance explicitly covers three major damages caused to the third party by the policy holder. Covers include compensatory damages, general damages and punitive damages. In case of compensatory damage claim, financial losses of the third party due to an injury will be covered. In general damage claims, non-monetary losses such as mental torture, pain and suffering by the third party are covered. Punitive damages are additional charges or penalties, made by the third party, which the policy holder should pay.

Benefits
Having business liability insurance transfers the risks of financial loss, caused due to the claims made against the business, to the insurer. The insurance company not only pays for the damages but also pays the legal costs on behalf of the policy holder. In case of settlement by the claims made by third party, the insurance company will pay up to the limit of the policy holder's coverage.

Business liability insurance is, then, useful for your business as it protects your business from unexpected financial losses.

How Much Does an Amber Cost?

The price of amber is determined by the different life forms which are found in the stone. Intact insects, plants, flowers etc. will increase the value of amber and these stones will be highly priced. Typically, an amber necklace with say, a trapped dragonfly, will have a high price and will enjoy a heavy demand in the market.

The prices of these gems can vary depending upon the clarity, color, polish and size of the piece. The prices mentioned in this article are in general for gems of fairly good color and good clarity. Opaque pieces of amber can usually be bought quite cheap - for as much as $ 0.10 to $ 1 for a carat or less. For pieces around an inch in size and with insect inclusions, the prices can range from $ 50 to $ 60. An average stone of a good size and with inclusions would cost around $ 195.

Good wholesale quality beads can also be purchased for as low as $ 15. Shapeless and uneven pieces without any fossil inclusions ranged from 1 to 1.5 inches in size and weighing around 10 to 12 carats would cost anywhere between $ 30 to $ 40. Polished beads without any inclusions of about 1 centimeter usually cost from $ 1 to $ 2 per carat.

Many a times, this gem is heated to give it an old or aged look. These pieces usually cost less compared to a similar piece having the original color.

Amber pieces with unusual flora and fauna are a collector's item. Fossils in this gem always increase its value and beauty. A pendant with inclusions is guaranteed to get a good price in the market. A carved ring is also very highly priced in the market.

A significant difference in the price of the amber is made depending on the period from which the amber originates from. The older the gemstone, the higher is its price. However, it is not easy to identify the age of the stone. Most gemological laboratories also do not often certify amber gemstones. The process of finding out the age of the amber stone involves identifying the inclusions introduced in the stone and estimating the period in which it exists.

There is an interesting piece of news about a piece of Dominican amber with inclusions. Recently, such a piece with a large lizard trapped inside it was sold for $ 75000. This figure can not really give us a hint of how high a price this gemstone can fetch.

In fact, the amount of history associated with amber jewelry would only serve to increase its market value. Similarly, antique jewelry or a pendant with insect is very highly valued in the market.

There are frequent attempts made in the market to sell amber 'simulants' as genuine amber. Simulants of this gem include ambid, copal resin, kauri gum, dammar, celluloid and plastic. These simulants would normally cost a fraction of what a real stone costs.

Thus, we can see that the price of this gemstone mostly depends upon factors such as age, inclusions, quality and size.