Jason Holmes asked:


Debt calculator is a tool, which is used not only for the debtors but also for the creditors. With the help of a debt calculator an individual who wishes to avail a debt can calculate the rates of interest and the amount a debtor is required to pay per month. The debt calculator studies the current financial status of the debtors and accordingly works out the monthly payments of the debtor. In other words, a debt calculator helps in customizing a debt account. Types of Debt calculator: The following types of debt calculators are used widely. They are listed below. • Debt Consolidation Calculator • Debt Income Ratio Calculator • APR Calculator • Debt Reduction Calculator • Credit Card Payment Calculator • Unsecured Loan Calculator In order to make the best use of a debt calculator, a thorough understanding of the working of each of the debt calculators is essential. 1) Debt Consolidation Calculator: Debt consolidation is referred to as a condition when several debt accounts are clubbed into one and the debt is offloaded usually by making a single payment. The payment is usually made at a lower interest rate. Functions- The payment, which a debtor has to make every month if he wishes to opt for debt consolidation is calculated by a debt consolidation calculator. The time limit within the payment has to be made is found out. Amount of money saved from the debt consolidation program is also calculated with the help of this calculator. 2) Debt Income Ratio Calculator: Debt to income ratio may be defined as the monthly debt obligations (total) to the monthly income (total) of an individual. The calculation is made depending on the individual's liabilities as well as current income. Functions- This debt calculator helps a lender in estimating the debtor's repayment capacity. This type of debt calculator also calculates the amount, which is being spent every month for making debt payments and payments for other recurring financial obligations. 3) APR Calculator: APR or Annual Percentage Rate may be referred to as the cost incurred on the life of a loan every year (annually). Some of the costs may include loan fees, insurance costs, rate of interest, service charges, points as well as mortgage fees. Functions- With the help of this calculator, the APR of the loan may be calculated. This calculator is also very interactive. 4) Debt Reduction Calculator: Debt reduction includes different types of debt consolidation programs. Consolidating debt is the first step towards debt reduction. Functions- By using this debt calculator, a debtor is able to find out exactly how much money is being saved by debt consolidation. 5) Credit Card Payment Calculator: This debt calculator requires information about the following fields-monthly payments, principal amount and rate of interest. Functions- With the help of this debt calculator a card holder is able to know exactly how much time it will take to make full payment of a credit card debt. This calculator also helps in calculating the interest, which is required to be paid if the debtor opts for a minimum monthly payment. 6) Unsecured Loan Calculator: Unsecured loan may be referred to as a type of loan, which does not have any collateral against it. Some examples of unsecured loans may include medical bills, departmental store cards, credit card debts, student loans, bounced checks as well as personal loans. Functions- The unsecured loan calculator helps in the consolidation of multiple debt accounts, which are unsecured into one debt account. These debt calculators are usually online and one may use them from the comfort of ones office or home. The debt calculators also help in planning out a debt program effectively. The expenses incurred on a loan account may also be predicted and a debtor can be prepared accordingly.

Sadhana Dhanyal asked:


Debts accumulated over a period of time can put an undue pressure on the borrowers pay back capability. It is important to know how to manage your debts to lead a sound financial life. Debt consolidation helps you to combine your various debts into one loan with one single monthly repayment. It also helps you save money and make your finances more manageable.

Irrespective of your credit history, we offer debt consolidation loans. A debt consolidation loan, whether secured or unsecured, is the first option people consider to manage debts better. Don't worry if you have been declined a loan, or have a bad credit history, a CCJ. Debt consolidation loans will surely help you out.

Alternately, you can also opt for debt management. For those consumers who are burdened with debt, debt management can lend a helping hand. Debt management organizations help to improve the credit situation and also educate the debtors about the financial situation. Debt management helps to work out a plan to lower credit card interest, settle outstanding debts for 30 to 50 per cent of the balance, and reduce monthly payments. Debt management agencies aspire to pay off obligations quicker than ever before.

You can even try going in for debt management solution to overcome your debt problem. There are many debt management solutions that you can try to ease your situation.

To start with you can stop using your credit cards and pay only by cash for all the shopping you do. This helps you spend within your limits and avoid making unnecessary expenditures. Using credit cards often leads to accumulation of debt. Going in for debt management solutions helps you avail the best solution for your debt problem. Your consultant will negotiate with your creditor for a lower monthly payment. Later, you can make one repayment per month to the debt management solutions company that you have chosen and they will then disperse the payments to your creditors. It goes a long way in helping you get out of debt of debt. Your creditors will be paid on time, and slowly you can reestablish your credit score.

Similarly debt management services too help you to overcome your debt problems. Debt management services help you plan your expenditure. They also analyze your total inflow and the best way to pay back you creditors.

Debt Management Advice – Manage Debts Better!

Availing debt management advice helps you mange your debts efficiently. You can merge your various debts into a single debt with a low interest rate. You can either manage your debts by using debt consolidation, debt negotiation, debt elimination or credit counseling.

Debt Management Help helps you:

• Save money by getting a fresh loan at a much cheaper rate.

• Combine all your debts into one manageable loan.

• To pay one monthly installment thereby reducing the hassles that you would otherwise would have to go through.

• Improve your credit.

However, if you are looking forward to consolidate your debts much faster, then you should avail the online debt consolidation loan. Online debt consolidation provides you instant details on various lenders and also assists you to avail a loan quickly. You can also avail a reasonable rate of interest.

Those who are suffering from bad credit know well the benefit of debt consolidation loans. A debt consolidation loan replaces several small and big debts a person might have incurred. It combines them into one manageable loan. Borrowers get ample time to repay their loan. If you are suffering from bad credit, you can easily prevent your financial condition from deteriorating further.

Jimmy asked:


Secured vs unsecured debt Many people find themselves mired in debt without understanding what exactly they have. They understand that they owe money to various lenders, and they know how much, but they don't know why these debts have varying payment requirements and interest rates. Why do some debts require collateral, while others do not? Why do credit cards charge so much interest? What sort of debts should be paid off aggressively, and which can be permitted to sit? In order to answer all these questions, it's necessary to understand the difference between secured and unsecured debt. Secured debt is debt which has collateral involved. Collateral is any piece of property which is offered up as an assurance that the loan will be paid by the debtor. In the event that the loan is not paid, the lender will be given ownership of the property. Secured debt is thus most commonly used when a borrower wishes to purchase a large, expensive piece of property, since this means the purchase will require a large amount of money and also that in the event of default, the lender will be in possession of something valuable. This is why auto loans and mortgages are secured debts, in the event that the borrower is unable to pay the interest payments, the lender will gain ownership of a car or house, which they can sell to make up for the money they will not be able to collect from the borrower. Secured debt gives the lender security in the knowledge that they will end up making money either way, and so secured debt tends to require smaller payments over longer periods of time, and with less interest, than unsecured debt. Unsecured debt is money which is leant out purely on the faith that the borrower will pay. While this may sound risky, the vast majority of borrowers are honest and responsible people who pay back money quickly. Indeed, in the modern economic world, essentially everyone has been given at least some unsecured debt. This is most commonly done using a credit card, although there are many other forms of unsecured debt. Unsecured debt is often easier to get than secured debt, since no collateral is required. Unfortunately, because there is less assurance that the lender will still make money, unsecured debt tends to have higher rates of interest. Anyone familiar with how quickly credit card bills accumulate when compared to, say, car loan payments, will be familiar with how high unsecured debt interest rates tend to be. Unsecured debt also tends to be dependent on a person's reputation and ability to pay back loans, and so those with bad credit or no credit may find it difficult or expensive to get. It is also easy to get trapped in large amounts of unsecured debt since it is often given out carelessly and with no consideration as to the borrower's ability to repay it, since the high rates of interest usually mean that the lender makes a profit even in the event of a default. Because of the hazardous nature of unsecured debt as compared to secured debt, it is important to avoid unsecured debt and make efforts to pay it down quickly. While the fear of losing a house or a car may drive someone in high levels of debt to pay down their mortgage or car loan first, this will cost them money in the long run as their credit card bills begin to balloon. Persons with large amounts of unsecured debt should look into consolidating their debt by taking out a single secured debt and using it to pay off all their unsecured debts. This form of debt consolidation is offered by many banks and get-out-of-debt services and charities. Of course, one mustn't neglect secured debt, since any form of debt is dangerous when allowed to accumulate, but the lower rates of interest due to the presence of collateral tend to make secured debt much easier to pay off. n become hazardous when it is excessive, but small quantities of debt are useful in increasing quality of life and spending power. Persons who are in a large amount of debt should not be afraid to take on additional debt for essential purchases so long as that debt is manageable. Those who are worried that their unsecured debt is ballooning should seek counseling, and those who are having trouble paying off secured debt should negotiate with their lender. Many persons who have the collateral and income necessary for secured debt are considered good risks by banks and may be able to negotiate lower rates of interest or payments. Barring that, persons who must default on any loan should seek help in softening the blow. Losing a house and access to credit may be jarring, but it is not the end of the world.

Lokesh Kumar asked:


You never know when and who would need help from a credit card debt consolidation program. Sometimes unexpected circumstances can lead to financial difficulties which in turn would lead you to consider debt consolidation. Some of these circumstances are loss of job, loss in business, death of an earning member and so on. If you are finding it hard to pay off your credit card loans, then it is wise to consider debt consolidation. This is much better than bankruptcy. This article will help you with steps in finding the right credit card debt consolidation program, make you aware of the advantages and disadvantages of debt consolidation so you can decide whether credit card debt consolidation is the best option for you or not. Basics of Debt Consolidation Debt Consolidation is a big loan that will pay off your credit card loans. There are several ways these debt consolidation programs work. The most popular way is to take one lump sum amount of money from you (the borrower) and distribute it to your credit card companies (the lenders). All your loans will be consolidated into one payment usually withdrawn directly from your bank on a fixed date every month. These programs make the card holders life easier. As a general rule, if you have many credit cards from different companies with high interest rates, then debt consolidation can help you manage your debt with only one bill and much lower APRs. These debt consolidation companies negotiate a lower interest rate for you and this can save a lot of money in the long run. This will work out in your favor if you have credit cards with APRs of around 30% because the debt consolidation programs can reduce these interest rates to between 12% – 18%. These programs require a monthly administration fees, which is usually around and this will come off your savings. Remember if the admin fee does not come off your savings, then it is not a good idea to sign up for a debt consolidation program. So it looks like everything about the credit card debt consolidation is positive. Well, it is not always the case. There are a few advantages and also disadvantages of debt consolidation programs. You have to find a balance between them. The fact is that credit card debt consolidation companies do help you in paying off your debt. Here are some advantages and disadvantages of these programs. Advantages 1. Decreased payment amounts: The monthly payments will be less than what you were paying before debt consolidation because you are paying off the loan over a longer duration. 2. Simpler to manage: After you signup in the debt consolidation program, you will have a relief from reading your credit card statements, deciding how much to pay for each credit card and then making the payments one by one. Usually, the company will withdraw the money directly from the bank and you will not have to be concerned about late payments. 3. Decreased interest rates: This is one of the major advantages for many credit card owners. Some of the debt consolidation companies bring down the interest rates much lower than the current ones. This can save lots of money for you. 4. Debt Management tips: Many of the good debt consolidation give lots of free tips on managing your debt. They draw out a plan on debt management. These tips are invaluable. They even mail out booklets on debt management. Disadvantages 1. Lower FICO scores: Many experts debate that debt consolidation does not have any effect on credit (FICO) scores the fact is that debt consolidation has a negative effect on the credit scores. Enrolling into debt consolidation will always be reflected in your credit history. Most credit repair companies mention that it is difficult to increase your credit score if you are currently working with a debt consolidation program. Your credit scores can be raised after you have paid off the loans and are not currently in any debt consolidation program. Even if you can remove one credit card from the debt consolidation program that can help you increase your credit scores. 2. Higher Payment: Since your payments are made over a longer duration of time i.e. in more number of the years, then you will end up paying more in the long run. One way to prevent this is – if your financial situation has improved, then you can pay off larger sum of money. Most of times there will be no penalty for paying off the debt sooner than the agreed number of months. Before enrolling in a credit card debt consolidation program, you can confirm if there is a penalty or not for paying off the debt sooner than the agreed number of months. 3. Credit cards inactivation: If a credit card payment is enrolled in a debt consolidation program, then that particular card account will be inactivated. i.e., that credit card can no longer be used. 4. Negative Impact on Future Loans: Once you have enrolled in a credit card debt consolidation program, this will remain in your credit history. So, all future loan requests (new credit card applications, home loan, car (automobile) loans etc.) will involve references to your debt consolidation. i.e., the lender will have knowledge about your participation in debt consolidation program. Some people are very uncomfortable about this but it is up to you decide. Your credit history is a private record and will be provided by credit score companies only on a need-to-know basis. If you apply for home loan, then the chances of getting rejected is higher and if you get accepted, then mortgage broker will ask for explanation. Again all these conversations are kept confidential. So, the question is – when should you consider a credit card debt consolidation? If you are paying high interest rates around 30% on a credit card, you have many credit cards, you are unable to make payments or your are barely able to make just the minimum monthly payments, you are finding it difficult to manage all the payments etc., you must consider signing up for a credit card debt consolidation program. After reading through the advantages and disadvantages mentioned earlier, make decision about signing up or not signing up for credit card debt consolidation program. How to find a good debt consolidation program / company? Signing up with the right debt consolidation program is critical for saving money and successfully consolidating your debt. There are a good number of scams in the debt consolidation business so it is in your best interest to proceed cautiously to prevent being victim of a scam. Here are some very good sources of finding the right debt consolidation program. 1. References from friends and relatives: It is best to ask your trusted friends if they have any recommendations for reliable credit card debt consolidation program i.e., if they have enrolled in one of these or know of anyone who enrolled in one and is satisfied. As mentioned before, there are many scams and so with this option, you can feel safe. This should be your first option. 2. Television advertisements: Most of big and established companies run advertisements on TV. These are companies that have a lot of experience and have been successful with debt consolidation. But it is a wise thing to research the company. Look for their website and check for their standing in Better Business Bureau (BBB) and must have been in existence for a few years. Also, search http://ripoffreport.com website for this company – this website where victims of scams post their experiences. 3. Mails: When you are unable to payoff debt on time, you will receive mails from some companies that will offer help with debt consolidation. These companies have permission to access some of your basic information. The good thing here is that your fit their profile of enrollees and that is why you received a mail with their credit card debt consolidation services. As mentioned earlier, research these companies using the same methods described above. 4. Telemarketing phone calls: Typically, telemarketing phone calls that you get is because your debt situation is such that it fits the requirement of their enrollees. If you receive a phone call, remember to never enroll in the first phone call. Note down all the details of this company such as the websites, contact person and phone number to call. Research the company extensively as mentioned above. 5. Online Research: Research the internet for good credit card debt consolidation companies both non profit and profit companies. Once you create a list of possible companies, research the companies extensively. Talk to these companies until you are comfortable about enrolling with them. For a few months or years, if you can handle the disadvantages of credit card debt consolidation programs, then enroll in a program. Debt consolidation can get you out of your current debt problems and save you a lot of money by lowering your interest rates but if you do not spend judiciously, then you will be back into the same debt problems and this cycle will never end. So the long term solution to debt problems is to change your spending habits and live slightly below your means. Remember you need to manage the money / debt and NOT let the money / debt manage you.

acrobat741 asked:


Summary of 9/11 scepticism:
http://outsidethebluepillcave.blogspot.com/2007/05/summary-of-911-scepticism.html

#1

For a full list of doubters:
http://patriotsquestion911.com/

Military leaders questioning the OCT:
http://georgewashington.blogspot.com/2007/04/military-leaders-question-911.html

CIA veterans doubting:
http://www.opednews.com/articles/genera_alan_mil_070922_seven_cia_veterans_c.htm

Engineers & architects doubting:
http://www.ae911truth.org/

Physicists doubting:
http://physics911.net/

Pilots doubting:
http://www.pilotsfor911truth.org/

High-level officials doubting:
http://911proof.com/7.html

In a recent Zogby International poll (September 06, 2007):
51% of Americans want Congress to probe Bush/Cheney regarding 9/11 attacks;
over 30% seek immediate impeachment;
67% fault 9/11 Commission for not investigating anomalous collapse of World Trade Center 7
http://911truth.org/article.php?story=20070906103632686

Protest in Brussels for 911 Truth (09 Sep 2007):
http://www.youtube.com/watch?v=LyuwQYkBlrk

#2

But surely this could not have happened, I mean, governments would not actually resort to terror attacks to advance their interests. Would they?

Unfortunately, yes they would.
Actually, they have a history of doing so.

Operation Ajax:
From the archives of the New York Times, the British and US involvement in overthrowing Mossadegh in Iran:
http://www.nytimes.com/library/world/mideast/041600iran-cia-index.html

Operation Northwoods:
Operation Northwoods was a 1962 plan by the US Department of Defense to enact acts of terrorism and violence on US soil or against US interests, blamed on Cuba, in order to generate U.S. public support for military action against the Cuban government of Fidel Castro.
http://en.wikipedia.org/wiki/Operation_Northwoods

Operation Gladio:
http://en.wikipedia.org/wiki/Operation_Gladio

Other false flag operations:
http://joecrubaugh.com/blog/10-false-flags-that-changed-the-world/

US Marines Major General Smedley Butler, the most decorated Marine in US history, figured out what war is all about:
http://en.wikipedia.org/wiki/Smedley_Butler
http://www.ratical.org/ratville/CAH/warisaracket.html

#3

Right, I see. What are some good links for further research?

http://911research.wtc7.net/index.html

http://911truth.org/index.php

The Journal of 9/11 Studies is a peer-reviewed, open-access, electronic-only journal covering the whole of research related to 9/11/2001.
http://journalof911studies.com/

Of particular interest is a paper by physicist Dr. Steven Jones (link opens .pdf document):
http://www.journalof911studies.com/volume/200609/Why_Indeed_Did_the_WTC_Buildings_Completely_Collapse_Jones_Thermite_World_Trade_Center.pdf

Scholars for 9/11 Truth & Justice:
http://stj911.org/

Dr. David Ray Griffin's books: – The new Pearl Harbour (recommended by Gore Vidal) – Debunking 9/11 debunking

#4

The bigger picture:

Historian and professor Dr. Antony Sutton's book on 'Skull and Bones' (link opens .pdf document):
http://sandiego.indymedia.org/media/2006/10/119639.pdf
or
http://www.4shared.com/account/file.jsp?id=20002195&sId=hleIWcToACTIrhDt
Of particular interest is the chapter: 'How the Order creates war and revolution'

Bilderberg 2007 (Istanbul Turkey) – attendees list:
http://www.youtube.com/watch?v=QFWLIso7Waw

Guardian article about America on its way to fascism:
http://www.guardian.co.uk/usa/story
/0,,2064157,00.html

Guardian article about the connection of Bush's grandfather to Hitler's finances:
http://www.guardian.co.uk/germany
/article/0,,1312542,00.html

Related video with researcher / journalist:
http://www.youtube.com/watch?v=RnAUQeHykXY

Money
What it is, how it is created & how its supply is regulated and controlled.

Recommended viewing: Money as debt
http://video.google.com/videoplay?docid=-9050474362583451279
http://www.youtube.com/watch?v=USE5gv4Rew8

Zeitgeist (documentary):
http://www.youtube.com/watch?v=fUGJMvnuKNw
http://video.google.com/videoplay?docid=5547481422995115331

Action:

First of all, your actions are important and can make a difference:
http://www.youtube.com/watch?v=OqK3KCULWEI

What you can do:
http://www.wanttoknow.info/9-11

Please feel free to spread this material to your friends and acquaintances.