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.

How to Buy Electric Showers or Tankless Water Heaters

In England thay are called they call them electric showers whereas in the US they are more commonly known as tankless water heaters. 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 great 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 MES FM a leading Aberdeen heating and plumbing company – be sure to check out their website

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.