Is Credit Card Debt Consolidation for You?

Have your credit cards recently not really been feeling much like promise of freedom to spend that they came with originally? Have your credit card statements been getting scarier and scarier each month? You’re probably even scared to open your e-mail or look at your text messages for fear that you’ll see something unpleasant from a creditor. If this is the kind of thing that you’re going through everyday, perhaps you really should consider credit card debt consolidation. Paul Smith from James Milne Accountants explains more.

How should consolidation help you? They don’t actually excuse you a dime, do they? Well, no they don’t. You still have to pay every cent. But combining all your separate credit card loans into one credit card loan offers a lot of benefits, and it will help you pay your loans off quicker.

How do you know that you are a good candidate for credit card debt consolidation? Well, the formula the experts usually go by is this: if you have at least six credit cards, if you owe $10,000 on them put together, and if the $10,000 is at least half of your available credit limit, it really would be in your best interests to seek consolidation.

Credit card debt consolidation loans are different from regular loans. These are unsecured loans – you have to leave something of equal worth with them to secure what they give you. And they only hand these out for credit card loans.

American households are wallowing in debt today. The average household carries about £15,000 worth of credit card debt. And things are so bad for so many families, about 3 million Americans every year look up a credit counselor to help them stay clear of Bankruptcy Court. If you want to look on the positive side, a full one third of the uK’s population are so responsible with their credit cards that they don’t carry any balance it all. And another quarter of us don’t even have a credit card.

Yes, all those neat figures do make you feel a bit embarrassed about the state of your affairs. But you can quickly repair things. Things don’t have to be this way any longer. You can follow the example they’ve set. And you can get started with a bit of credit card debt consolidation to fix the way things are.

Before you do though, you need to first make sure you’re not adding to the problem anymore. You want to make sure that you don’t spend more than you can afford to pay right away.

Debt consolidation is a great idea if the interest rate you end up paying every month is lower than what you’re paying already.

Some SEO Mistakes To Avoid

Search engine optimization can help you increase the ranking of your pages in search results but using the wrong strategies can ruin your campaign. Go over this article to learn more about the most common SEO mistakes that can easily be avoided.

You should never use unethical methods to optimize your content. Methods such as keyword stuffing, placing your back-links on link-farms or using false redirection URLs are known as Black Hat SEO and frowned upon by search engines. You might get excellent results with these methods on the short term but search engines will eventually notice that your methods are not ethical. Your pages can be banned from search results if you get caught using these methods.

Do not assume that you do not have to work on your SEO campaign anymore once you optimize your content. You always need to look for ways to improve your SEO strategies.

Optimize the fresh content you add to your website and make some changes to the structure of your site if you add new important pages. Search engines often upgrade the methods used to analyze and index content. Stay up to date with the new methods used and adapt your SEO campaign accordingly.

SEO experts recommend to create an XML sitemap to make your different pages easier to find. Keep in mind that your sitemap will not make a difference if your site is not well-organized. You can organize your site efficiently by connecting all your pages and placing your links in visible places. Create some site-wide links for your main pages and draw attention to these links by organizing them in a menu. Connect your pages through individual links by placing links to more similar articles within the first three paragraphs of each article.

Do not overuse strong keyword phrases. Keywords are needed to optimize your content but you should use them to describe your elements instead of placing them within your texts. Use HTML tags to describe your content, for instance by adding alt tags to your images or title tags to your pages and articles. Search engine spiders will analyze title tags, meta tags, meta descriptions and alt tags for keywords. The anchor text of your links should also be filled with strong keywords to describe the content of the pages you are linking to.
Do not waste your time with low quality back-links. Creating more back-links is an excellent way to get more traffic for your website but you need to place these links carefully.

Sharing a large number of links by commenting on blogs or news stories is not a good strategy. You need to get some quality links that will be noticed by the kind of visitors you want to target. Use article directories, online encyclopedias and message boards to share links yourself and create partnerships with other webmasters to get your content featured.
If you have been committing any of these common SEO mistakes, it is time to make some changes to the strategies you use. Do more research on efficient methods and make sure the strategies you use are up to date.

Landscape Photography Tips

Landscapes are one of those rare kinds of subject – they can be easy enough to photograph with encouraging results for the beginner to try his hand in; they can also be challenging enough for the experienced photographer to keep him interested.  There’s something about how quiet and how magnificent nature can be that can put you in touch with what photography is all about. No matter how much you analyze a scene, there’s always more to do. Landscape photography is one of those rare kinds of subject.

Wide-open angles are the norm in landscape photography – even if you might sometimes use long focal lengths or a narrow depth of field to experiment with. For the most depth of field, choose the largest number for your aperture setting possible. A large number means less light. So you need to crank up your ISO or slow down your shutter.

A tripod is almost required for landscape photography, and theres also a growing trend to use drone photography. This is because you often need a slow shutter speed for it, and you don’t want to risk even a little bit of camera movement. Some photographers find that even when they do have a tripod, the mere act of depressing the shutter button introduces an element of shake. For this reason, they also invest in a wireless shutter release mechanism.

When you have a huge dramatic wide-open landscape in front of you, it can be easy to forget that you’re supposed to have something that your picture is supposed to converge on – a kind of psychological focus. You’ve probably seen lots of amateur landscape photography just look empty for no known reason. It can be this way if the photographer never thought about finding something for everything in the picture to converge on. Your focal point could be a beautiful tree or a rock or something.

If you don’t really have any particular thing to focus your composition on, doing a foreground-rear-ground composition can help. For instance, if you have a wide-open field of flowers to capture, bringing the camera really close to the flowers next to you can’t give a dramatic sense of perspective and placement.

It’s a given that any landscape photography has to include a lot of the sky.  You can’t afford to have the sky in your picture be boring though. You need to make it interesting. If there is nothing at all interesting in the sky though, you can try to hide the fact by making the scenery before you the main part of it. Or else, you could use a polarizing filter to dramatically color things up.

For more information on this fascinating subject please vitit the website of Barclay Studios, a leading photographer based in the North East of Scotland.

How to Buy Electric Showers or Tankless Water Heaters

In England they are called electric showers whereas in the US they are more commonly known as tankless water heaters. No matter what they are called though, if you’re thinking of buying one, the first thing you want to do is not to expect that it’s going to give you a high-pressure shower! With a regular tankless water heater, you’re going to get your hot water at the kind of pressure your building is able to supply it. This information has been provided for us by Aberdeen City Electrical a leading company of Aberdeen electricians – be sure to check out their website here

If you’re looking for an invigorating high-pressure shower, you’re basically looking for a pumped power shower. Right now though, we are just going to talk about a regular tankless water heater that consumes so much power – up to 10,000 W of the stuff –that it can heat water as quickly as it passes through the heater.

You know, 10,000 W is quite a number. You could run eight full-sized 12,000 BTU air-conditioners off that kind of power. But that’s rather okay for a shower. Because how long are you going to be in there – 20 min. at the most? If your power costs you 35 cents a kilowatt hour, you’ll just be spending 10 cents for the full shower.

Now you might be tempted to look at storage water heaters, because they usually consume perhaps a fifth this kind of power. The thing of course is that tank heaters heat more water than you can use. That’s electricity wasted right there. And anyway, when you have a tank, the water constantly gets cooler and cooler as you use it. And that can be very annoying.

The great thing about electric showers or tankless showers is that they need only a little bit of plumbing work – mostly DIY stuff. Of course, since it’s going to take all that power to heat your water, you’ll probably need to call an electrician in to install an independent fused electrical supply circuit.

Okay, before you buy, you probably have a few questions about what your experience will be like. Most electric showers or tankless heaters will put out about a gallon of heated water out every minute if you’re trying to take a shower in the middle of winter. Now this is hardly enough. A real invigorating shower requires at least three times that much. How do you make do with so little?

That’s what they sell water-conserving showerheads for. These put water out in a way that will make you feel it’s more than it really is.

There is another problem with buying tankless heaters – these aren’t exactly long-lasting or reliable solutions. Since those heating elements have to heat up so much, they generally build up limescale deposits rather quickly. You should probably choose a model that offers you a three-year guarantee.

Nursing Assitant Jobs – Your Gateway To A Rewarding Career

If you have an interest in the human body, but do not think becoming a doctor is your cup of tea, then nursing may be a way that you can help others while avoiding seven (+) years of college. Nurses are essential in health care and are now responsible for much more than just providing the personal touch that most doctors simply do not have time for. If you have thought about becoming a nurse but you aren’t sure that is for you, then you have another option available to you. Thats because there are loads of nursing assistant jobs out there just waiting for the right people to fill them. If you like it, you can stay with it. If you really like it, then you can then decide to go back to school to become a registered or licensed practical nurse.

Nursing assistant jobs come under many different names. Some authorities call them Care Partners and some call them nurse’s aids. Whatever the label, these jobs are in growing demand everywhere. These are the people that can come when a nurse is busy. If they can help, they will. If they cannot, they will find someone who can. They may answer your call button or they may be the one that takes your temperature, blood pressure, and blood oxygen levels while you are in the hospital. They can help you to the restroom after surgery and can assist you with the small things that end up being bigger things like getting dressed and getting you something to eat.

Typically, training to be a nurse assistant is not too taxing. You can find programs all over the place for this because the nurse assistant is in great demand. You may find programs that allow you to go at your own pace if you must keep working while in training. You can find night programs and even some that offer some of the work online if you need it. Not everyone makes a new career choice right after high school. It is understandable that you may have to juggle to get your training in and most schools understand that. You have more flexible options than at any time in the past to get your schooling in to start your new career. You can work, be mom (or dad), and go to school at the same time.

A nursing assistant job is going to be like any other job in the medical profession. This means that you are going to have to work odd hours and weekends when you start out. This is typical and something you should consider when deciding to be a nurse assistant. You may start out working all weekends on the night shift, or you could land a weekday schedule, but it may be second shift. These are things that can be complicated for some families, but most people end up making it worse. There is always time in the future to get different hours as a nurse assistant whether something opens up where you work or at a different facility near by. There is always room for growth, especially for those who are flexible when needed, so keep that mind as you go. Check out this website for more information on this very rewarding career.

Why A Car Junk Yard Can Be a Gold Mine

For a very long time, I had a used car that required a lot of TLC just to keep it from breaking down on the side of the road, let alone run well. I made many trips to a local car junk yard to get replacement parts so I would not end up in the poor house. It may not have been a lot of fun but it was educational and I soon discovered that a good car junk yard can be a gold mine, if you know what you are doing. Of course, these days I fix up cars for profit – so instead of runnign around junk yards I go to Salvage Market – one of the biggest car salvage websites on the net!

The first time I went to the car junk yard near my home, I needed a new track for my driver’s side window. It was summer, and the window would not roll down. It pretty much goes without saying that my car did not have air conditioning, and I did not want to spend an arm and a leg on a new compressor, so I bought the track for $20 from the junk yard. I brought the track to my mechanic who installed the part for me and charged me $25 for doing so. At least now, I would not be covered in sweat whenever I had to go somewhere.

I spoke to the guy at the car junk yard, and explained to him my situation. He said that I was welcome to come to his yard whenever I had such a problem and get whatever part I needed. Obviously, I was extremely grateful, and over the years, I took advantage of his offer on numerous occasions. It worked out well for him as well, and I kept my car drivable until I was able to get a new car down the line.

I started to think about the great deal that the man at the car junk yard had offered me, and an idea crossed my mind. I went to the yard and said that I wanted to pick up some spare parts from some of the cars he had. I was honest with him, and told him that I was going to sell them online, and asked what he would charge me to pick up a list of items that I provided him. He charged me $100 to take all of the parts that I needed, which I turned around and sold for nearly $1,000! I had discovered a good way to make a little money on the side and to help my friend at the car junk yard out as well.

When I say that a car junk yard can be a gold mine, I am being completely serious. I kept good records of the money I made as I was doing that, and made sure that I paid all of the necessary taxes. It really helped out, and I still feel proud when I think about my decision to give it a try.


I was really spoiled by my first house. It came with a dishwasher, a high-powered microwave oven, a beautiful patio out back, and most important, central heat and air. The reason I say most important is because I live in Texas, where air conditioning is a must.

We always had window units when I was growing up, and I felt really special with the central heat and air. One day the system went down, however, and it was then that I realized that an air conditioner wall unit can come in really handy.

It was the middle of August, and easily over 100 degrees. All of the sudden, I started to smell something burning and went over to look at the vent in my hallway where the thermostat was. It was getting warmer in my house, and the smell was intensifying.

Before long, it was 85 degrees and climbing. I turned off the AC and called a repairman. He informed me that it would take two weeks before he could make it out. I called around to a number of other places, and it was the same way. I remembered that I had an air con wall unit in my garage that was practically new and in excellent condition.

I went and got it and put it into the window in my bedroom. It was pretty miserable throughout the rest of the house, but it was quite nice in my room. Having the air conditioner wall unit could actually have saved my life. The temperature was at a dangerous level, with no end in sight, and I would not be able to get a repairman out to my house for two weeks.

I spent most of those two weeks in my bedroom, where fortunately, I also had a television and my computer set up. It was not bad, and I was extremely grateful to have the air conditioner wall unit because it actually felt like it was a little bit cooler than what it would have normally been in my house. I think that may just have been my own subconscious gratitude at having the unit, though.

If you are fortunate enough to own one, you probably realized how fortunate you are to have an air conditioner wall unit around. You may not need it very often, and it may seem like it is taking up space in your garage or storage, but when you do need it, you will certainly be grateful you have it available.


Since ancient times, the human race has been fascinated with the night sky. Fortunately, technology has provided the opportunity to study it in detail. Astronomy for beginners is a rewarding and growing hobby. When starting, it’s best to get a bit of advice on what equipment to buy and what to observe.

Find out what’s going to be visible in your area. Of course, you can always rely on the Moon. Even with a small telescope, you can see a lot of detail and it’s a big bright object. A small telescope will also be more than adequate for viewing Mars, Jupiter, Venus, and Saturn but a high-power eyepiece will help. Aside from the Sun and Moon, Venus is the brightest object and is a favorite subject for astronomy for beginners.

The world of telescopes can seem a baffling one but choosing one, even within a limited budget, is quite straightforward. Don’t be tempted by cheap models that boast very high magnification. It is a common misconception that magnification is the most important feature. The brightness and sharpness of the image is not achieved by the magnification and most observations are seen at under 50x magnification. It is the optics that will determine good results.

Most amateurs buy a reflector or a refractor telescope and these are affordable by most people embarking on astronomy for beginners. As far as optics is concerned, the wider the aperture, the more the image will be sharp and bright. A steady mount is also essential. Even a very expensive telescope can’t do its job if the tripod isn’t good quality. There will be too much vibration to observe properly.

In addition to using telescopes, many astronomers like to take pictures of the images they see. This is called Astrophotography and there is no reason why amateurs can’t get involved. Astronomy for beginners can embrace this technology too. The first decision is to choose between a film and a digital camera. The professional may well choose film because it does bring superior results as a general rule. A digital camera can’t produce long exposures. However, digital may be the ideal choice for the beginner because it can cope perfectly well with photographing bright objects such as the Moon and closest planets. Also, the image taken can be viewed straight away. Again, a decent tripod is vital to combat unwanted vibration of the equipment.

There are several good books on the subject of astronomy for beginners with star charts and guides to the constellations and so forth. They include Astronomy for Beginners by Jeff Becan, Beginners Guide to Astronomy by Patrick Moore, and Turn Left at Orion by Guy Consolmagno and Dan M.Davis.