DIY Debt Consolidation By The DebtClassRoom.com

The trend of leasing is on the rise and people are getting the life facilities by getting loans from different organizations. The number and variety of the loans and debts mean the person has to keep a track of all his dues. People are hiring consultants to manage and reduce their debts but there are certain tips that can help you reduce your debt.

The website thedebtclassroom.com is a link that offers courses to minimize the debt problems faced by the clients.

TheDebtClassroom.com

Everyone wants to get rid of the loans and debts due to him with minimum hassle. A major breakthrough, in this case, came with thedebtclassroom.com. This is a website that offers the courses specifically designed to educate the clients. These courses address all the debt related issues and are tailored to meet the requirements of all walks of life.

It provides step by step guidance with one on one assistance options that are sure to get the client’s debt free in the shortest time.

Features Of TheDebtClassroom.com

TheDebtClassroom.com is designed to suit the needs of an ordinary client. The salient topics of this course are:-

1. Creditor Calls

The calls from the creditors are the most irritating aspect of debt management. The course educates the clients as to how to escape from these creditor calls and gives useful tips to satisfy them.

2. Becoming Debt Free

The course aims at getting the clients debt free within 1-3 years. It outlines the packages for the clients to choose from and it also gives the list of well-reputed debt management companies.

3. Saving Your Debt

Debt means interest and no one wants to pay extra in terms of interest and penalties. The course highlights the ways to save 40-60% of what the clients owe to the crediting companies. The set of tips is very simple and practical and a large number of clients have benefited from it.

4. Debt Consolidation

The course teaches debt consolidation so that you pay only once in the entire month, instead of paying a huge stack of bills. The access to expert debt negotiators via email is a prominent feature of TheDebtClassroom.com

5. Debt settlement

The course teaches step by step debt settlement so that the clients can escape their debt. The course also educates the clients on as to how to live free without getting loans. It stresses the needs of financial management.

Contact Information
www.thedebtclassroom.com

Debt Managemnt By Colonial Home Loans

One of the emerging challenges of the modern age is to manage your loans. The types of loans have increased and it has created the problems of keeping their record and timely payments. In addition, the global recession has taken its toll on the common man and he finds it difficult to make both ends meet.

The decrease in income forces people to opt for debt counseling and debt consolidation. Colonial Home Loans is a company that addresses the loan related problems of the clients.

Colonial Home Loans

The Colonial Home Loans is basically a leasing company that has developed itself into a renowned loan management company too. The company provides loans to clients with fast and easy processing. It also provides services related to debt settlement. The company enjoys a good reputation due to an extremely responsible team of agents that strive to serve their clients.

Services Offered By The Colonial Home Loans
Colonial Home Loans has become a major stakeholder in the debt management market. A few o the salient services provided by this company are:-

1. Easy Loans

The company started the business as a leasing company. It has a set of attractive packages for the loans. The loans carry a compatible rate of interest and do not require any lengthy processing. They are truly fast loans and processed quickly without any lengthy negotiations.

2. Refinancing

Due to the decrease in income, a person has to opt for the refinancing of the loan. This is an expensive option because it involves a whole set of processing fee and miscellaneous charges.

However, this has been made easy and less frustrating by Colonial Home Loans. The company offers the refinancing with minimum charges.

3. Home Loans

The company has a vast experience of the mortgage. It, therefore, offers easy home loans for the clients. In addition, it allows the refinancing of the home loans and allows the clients to get the same consolidated, as and when they deem necessary.

4. Customized Services

One of the major features of Colonial Home Loans is the customized plans for the clients. The company treats each client as a special case and formulates the debt management and consolidation plans as per his peculiar needs. There is no stereotyped package that is applied to all the clients. This helps in ensuring maximum benefit to the clients.

Company Contact
The contact details of the company are as below:-

4141 B St, Ste 307,
Anchorage, AK

Phone: 1-907-569-5363

Schools superintendent stepping down soon; Family reasons cited for departure after two years

Personal reasons related to “business and health issues in my extended family” have led to Gregg McMann stepping down as the Springer schools superintendent. McMann, who has been Springer schools superintendent for two years, submitted his resignation May 23. His last day with Springer schools will be June 30.

Springer school board President Linda Baca said the board is “sad to see him leave but he does have his reasons.” She said McMann has brought a lot of new ideas to the district and “it seems morale is better” among staff members.

“Financially, we have stayed within our budget,” Baca added.

McMann said the school board has been “collaborative and forward-thinking and has provided great support to the changes we have undertaken.” Some of the changes included alterations to the vocational program, the return of FFA, increasing electives at the high school level, moving the seventh- and eighth-graders to the high school building, new elementary hands-on science programs and increased funding for technology.

“We have involved teachers in decision making and increased student opportunities in spite of steadily declining funding from the state,” McMann added.

“It has been my great honor to serve as superintendent for the Springer Board of Education,” he said. “I appreciate the support from the staff and the community.”

The Springer school board was scheduled to hold a special meeting Thursday this week to discuss the superintendent position. Baca said the board’s discussion will focus on whether the board starts a search for a new superintendent or seeks a person to serve as interim superintendent for the next school year that will begin in August.

She said “no decisions will be made” at the special meeting, but that more discussion will follow at the board’s regular meeting this coming Wednesday. Baca said she expects a decision will be made at that meeting as to “what direction we are headed.”

Swearing

Brad, the “dad”

So our two loving and lovely daughters had a knock-down, drag-out fight yesterday. Foundations were shaking. The paint was blistering. Of course, all is resolved now – it was a passing summer squall, not the storm of the century – but at the height of the conflict I did notice something a little…disturbing.

The Elf, with all of her snappish and acidic 14-year-old attitude in full force, has a heck of a mouth on her. When she gets cranked up (and, I’m guessing, when she’s just shooting the…breeze…with her compatriots), she curses like a merchant marine. Worse even than me at my worst. I think. No, I’m sure of it: she’s surpassed me in every letter of the alphabet, with a strong preference for the f’s, s’s, and m’s.

I guess my feeling is that as long as she’s got it under control – as long as she’s aware when that language will hurt her rather than help her – there’s not much I can or should do about it. But I’m curious: how are other mums and dads dealing with slang and profanity amongst the Kids Nowadays? Is it really worse, or just more noticeable to old folks like me? And given the loose talk on the TV, over the net, and in the movies…does it even really matter anymore? Or am I just being a Victorian…um…anal retentive personality?

Rach, the “teen”

When my dad hears me swear he makes a rather big deal about how “ladies shouldn’t swear.” When he hears my mom or my brother swear he doesn’t even bat an eye. Does this bother me? Hell yes.

My mom is rather famous for one question she likes to ask: “Are you shitting me?” And my brother is a fan of using insults that only Shakespeare would fully understand. So, when it comes to swearing I take after my dad – there are some words that are a little taboo, things you don’t say in public. And there are some words that are barely even considered curses. Example: Damn, I left my lunch at home.

So, why does he make such a huge #%$&ing deal about me swearing? Maybe because my dad made a huge effort not to swear around me when I was a kid. And so when he hears (or in this case reads) me swearing, he sees a failure.

Personally, I’m ok with swearing. There is, of course, a limit, people who swear without noticing it, or who swear constantly sound desensitized or out of touch. And people who never swear (even in terrible situations) sound puritan. There might be a happy medium, but swearing and happiness don’t really fit together in my mind.

Mary, the “mom”

Truth be told, I’ve been known to toss around a few expletives now and again. For the most part, I’ve managed to restrain myself in front of the children.

I know my son uses colorful language around his pals, but he usually keeps it in check at home. Once in a while, when his sisters are on his last nerve, he lets his guard down and speaks to them inappropriately. Then he gets a lecture about appropriate language. It doesn’t bother me to know that he wears around his friends, precisely because he’s conscious of his audience and generally refrains from it when he should.

I’ve always told my kids that while they might hear adults use certain words if adults heard them use those words they wouldn’t think they were the nice young people that they are. Yada, yadda… I guess the message was, as long as adults don’t hear you, it’s ok.

In thinking about my response to this blog post, I asked myself how I would feel about my thirteen-year-old daughter swearing. Now, despite the fact that I’ve been known to have “potty mouth” on occasion, the thought bothered me. And, the fact that her swearing bothers me, but my son swearing doesn’t bother me, bothers me even more!

Oh my god! I have a double standard!

Are You Using Data to Track Your Corporate Fitness?

health

Remember, November is men’s health month! Men, take care of yourselves. Ladies, remind the men in your life to take care of themselves (because we’ll forget).

There’s no question we are becoming a data-driven society. Not just in economics or business or research, but in our everyday lives. I was scanning Mashable this morning and was taken aback by the number of articles regarding wearable fitness technology that had been posted in the past few days. To me, this emerging new market is indicative of a greater movement to cut the guesswork out of our lives and start making more calculated decisions that will have a real payoff.

It makes sense that fitness-tech gadgets would take off. It’s pretty straightforward for most users: calories go in, calories get burnt, get your heart rate to this level, etc… and compare all that to the physical goals. If you didn’t reach your goal, adjust your variables, do it again and measure the results. It doesn’t take a doctorate to get a practical application from the data these devices collect and report. If we can use data to make changes in our personal lives, why not apply these principles to the corporate level?

It’s Not Just About Looking Healthy…
Tracking your “corporate fitness” starts with an understanding of what you can measure and the quality of the data you can reasonably expect to get. Fitness, whether discussing health or business, needs to take a holistic approach. We’re not just talking hits to your website or monthly sales. Those things are important, but how can you measure the well-being of other functions of your organization? You can look at the sales and marketing numbers and feel good about yourself (think of this as your physique), but you also need to look deeper to find areas where you could improve (the same way you would keep an eye on cholesterol, for example).

Systems Health
Your office systems and networks should also be included in your corporate fitness evaluation, and the data you should be looking for is typically pretty easy to find. How often are employees utilizing certain systems and programs (marketing automation or communications networks, for example)? It’s important to ask not only how often are these being used, but how they are being used. If you’re paying for a certain feature of a phone system and no one knows how to use it properly, you’re wasting money. These platforms track usage and usually offer a variety of reports to pull, making it a little easier to derive their value to the company.

health

Employee “Health”
For individual employees, how is production being tracked? Again, you can go back to the systems they use for the hard numbers. If a customer service rep isn’t answering any calls, that’s going to be visible in a back-end report (or at least your system should be able to show you this info). Aside from functions of their daily role, make sure you’re also tracking participation and progress in any ongoing employee development initiatives.

When it comes to these areas of corporate fitness, the data is typically readily available. Too often, however, the data doesn’t leave the department for a second opinion from other leaders of the organization. So it’s not just about what data you have, it’s how you present it and, of course, how you apply it. Review, analyze, change your strategy, and see what happens. Just like personal fitness, the more you put into it, the more you’ll get out of it; the more you ignore it, the more likely you are to have issues. So take some stock in your corporate fitness, and don’t forget to make some time for your personal fitness as well.

The Most Wonderful Time of the Year, I Guess, or Whatever.

Listen, guys, it’s time for the holidays and all that. Hanukkah started last night, Kwanzaa…well, I’m not racist, but I don’t know when that is, exactly. Still, I’m sure it’s great. Christmas is some time next week? If you can’t tell, I’m not too thrilled about the holidays. In fact, aside from Thanksgiving, WAKE ME UP WHEN IT’S OVER, is my attitude.

I think my disinterest stems from the past few years when I’ve not gone home for Christmas. Now it just seems like any other day. In fact, last Christmas Eve, I was home alone, watching television and eating an entire cake. An entire cake. You read it right. An entire cake. It was kind of depressing because it made me look around and think, “Hm. This is not how I ever imagined anything.” But, the next day, I celebrated with a bunch of good friends and good food, so it all worked out.

Still. I don’t have the type of personality that allows me to even think about buying a tree or listening to Christmas music (I will tell anyone who will listen that Hanson’s album “Snowed In” is genuinely great). I’m just not together enough to do these things. I did, for the first time ever, make a gingerbread house this year. Vince and I threw it together one night and it was more challenging than I anticipated. The Sweet Tarts on the top of the roof are clearly hiding something.

The good thing about this year is that I get to go home for a few days. Because I’m living under the poverty line, I’ll only be able to afford something small for my niece and nephews, and maybe a razor for my little brother’s fourteen-year-old mustachio. Just kidding, Tyler. I like your mustachio. This kind of stinks, because, I love buying presents. It makes me feel nice when I find something that I know is perfect for a loved one. Alas, this year, all adults in my life will have to settle for the gift of my presence. A presence present.

Anyway, Happy Holidays, all you guys.

National Breast Cancer Awareness Month

For more than twenty years, October has been National Breast Cancer Awareness Month. Its purpose is to educate women about early cancer detection, diagnosis, and treatments for breast cancer. This month is used to stress the importance of early detection by having regular mammograms after the age of 40 and self-exams monthly. If you know you are at high risk of developing breast cancer, you should begin mammogram screening even earlier than 40 years old.

Who is more at risk? If you had a baby but did not breast-feed the baby, or if you have a close family member who has or has had breast cancer, or if you started your periods earlier than age twelve, you are at risk. Other risks include starting menopause after the age of 50 and having dense breast tissue.

Survival rates for breast cancer go up if the disease is detected early. Since mammography screenings became widely used, there has been a significant improvement in survival rates for breast cancer patients.

National Breast Cancer Awareness Month is a tool for educating and stressing the importance of taking control of your own breast health. Taking control of your breast health may mean making sure you are scheduling a mammogram each year and practicing monthly self-breast exams.

If you have been diagnosed with breast cancer, or are a survivor, it is still important to continue with any treatment that may have been prescribed for you. Regular screening is still important for those who have concluded treatment or are still having treatments for breast cancer. Keeping your treatment schedule and regular screenings can make a big impact on your survival.

By visiting the National Breast Cancer Awareness Month web site at http://www.nbcam.com you will be able to pick up media materials and other information about clinical trials and the newest research. You will find the newest articles about breast cancer diagnosis and treatment and links to many good breast cancer Web sites. Here you will find the information on how to start your own public awareness campaign and promote public awareness of breast cancer in your community.

The Board of Sponsors for the National Breast Cancer Awareness Month has materials that will help your organization to build public awareness in your community. You can take part in this special month by buying pink ribbon products and wearing them proudly telling the world, you are a supporter of Breast Cancer Awareness Month.

If you or someone in your family has been touched by breast cancer, you will want to take part in this month set aside for breast cancer awareness. With advances in detection, diagnosis, and treatment growing steadily in the last few years, there is still a need to educate women on how to take control of their own breast health. Wear your pink ribbon, or your gel bracelet to show your support for the continuing research for breast cancer. You will never know whose life you may have saved. Maybe your sister’s, best friend’s, or your own life!

Love Handles – Why You Should Really Hate Them And What To Do About It

They might be called “love handles” – the accumulation of fat on the back and sides of the waist – but most people have anything but a loving relationship with them. Besides belly fat, love handles just might be the type of fat people want to get rid of most. And although the reason is likely that it’s not pleasing to look at, an even more important consideration for abolishing this fat is that love handles are very unhealthy.

Get rid of fat with intensity
Although many might not consider love handles to be part of stomach fat, it is in fact lumped right in there with it. Abdominal fat is the most dangerous of body fat. Cancer, heart attack, stroke, diabetes and more are all linked to excess waist fat. It’s imperative for your health and for those you love to take efforts right now to rid yourself of this fact immediately.

If you want to get rid of abdominal fat, then you have to get rid of fat all over your body. You can’t do spot reduction on your abs, so therefore all the crunches in the world while doing nothing else to address body fat, is not going to help you.

If you’re not a fan of activity, then I’m afraid to tell you that the very best way to burn fat is to move more. But going out and jogging for an hour a few times a week won’t cut it – not for any measure of fat loss. You need to do either cardio interval training and/or superset short periods of strength training to see the best results. The good news is that neither requires you spend hours at the gym. Both only require about 20 – 30 minutes of intense activity three times a week. The secret is in the intensity— short bursts of energetic exercise followed by a lower intensity recovery period. You save time and you train your body to burn fat more aggressively and efficiently. For a fantastic program helping tens of thousands that combines interval training with strength training, contains a boatload of nutritional advice and much more, we highly recommend The Truth About Six Pack Abs program.

Look to the obliques
You can thank your ability to turn and twist to your obliques, the muscles that run down the sides of your abdomen. Love handles often hide the obliques. These important muscles frame those beloved “6-pack” muscles – the ones you’ll be able to see once you get rid of stomach fat.

You want to target the obliques as part of your strength training. The best way to do so is through the following exercises: captain’s chair leg raises, bicycle crunches and vertical leg crunches.

Captain’s chair leg raises are performed on a captain’s chair, a machine found in most gyms. Bicycle crunches have you lying on your backpedaling your legs as if on a bicycle and doing crunch-twists. To do vertical crunches, lay on your back just as you would with a regular crunch but have your legs raised perpendicular to the ground. You can easily find tutorials online showing you how to do these exercises well.

Eat the right foods, not the wrong ones
Processed foods – those high in sodium and sugar – are what’s adding inches to your waistline. You can get rid of love handles by doing yourself a very big favor and getting rid of that packaged, processed “food” and trading it for whole foods instead. Foods that burn fat – yes, they actually help burn fat when you eat them – include unsalted nuts, whole grains (wheat is the least preferred of these), leafy green vegetables, salmon, olive oil, fruits, skim milk, and green tea.

All of these foods speed up your metabolism, digest slowly and keep you full longer. Not only that, but they’re tasty as well. As you eat less sugar and sodium you’ll find that you crave these ingredients less and start to appreciate whole foods, even more, making your weight loss efforts that much more productive.

Loosen up your love handles
Here’s a tip that’s easy. If your clothes are too tight, they can create the illusion of love handles. Even thin people can overflow out of pants that are too small. Wear clothes that fit you well, and enjoy the process of watching your love handles melt away as you exercise and eat the best fat burning foods.

NBA Officiating – Contrived or a Guessing Game?

I am writing a few blog posts for future posts while watching the Utah Jazz play the Rockets in the first round of the NBA finals. Every time I watch a professional basketball game, I question the legitimacy of the current officiating in the NBA.

I am not a big conspiracy theorist, so I really don’t believe it is all scripted and decided in advance like a WWF wrestling match. That said, you can’t deny that officiating is more of an art than a science. Professional sports are about money and entertainment value. Team owners, TV broadcasters and players all know this, and so do the officials. Though there are some hard fast rules that are supposed to be followed, there is a heavy dose of subjectiveness thrown in at the official’s disposal.
What gets me most is the obvious favoritism the “big name” players get in the interest of making the game a highlight reel. Broadcasters often comment on it, we all see it; there is no denying it. Touted and perhaps truly one of the best to ever play was of course Michael Jordan, and he was given the most leniency out of anyone I have ever seen. Remember the famous play we have seen a thousand times where Jordan literally pushed Brian Russell out of the way to make the winning shot against the Jazz in the playoffs? That shot should have never counted had the rules of the game been applied equally to all players and in all situations.

All the big names benefit from it. Tracy McGrady in this game I am watching. Kobe Bryant, Shaq, Karl Malone, Dwayne Wade, etc.

It can be argued though whether it is good for the game or not? Is the game all about pure competition or is it about better entertainment? If you side with the entertainment argument, then do the “little” teams from smaller cities ever really have a chance? Are we watching a sport that is becoming more contrived and driven by money that will always be won by the teams that bring the more popular players and better storyline?

Perhaps that is a bit more cynical than reality, but it does cause me to wonder periodically. I think the sport still retains a bit more credibility than that. There will always be the whiners that complain about the officiating, almost always from the fans of the team that lost of course. There has been some real concern about it in recent years though. Remember the Mavericks owner Mark Cuban spending over a million dollars in fines his first year to make the point that some things were very wrong with the lack of oversight in officiating? I think he had a very valid point, though his methods of making it was a bit on the grandstanding side of things.

This is one of many reasons why I spend more time watching college games than I do pro sports. The egos are smaller, mistakes by officials and players are more expected and a part of the game and the game seems much closer to something I can relate to. The game I am watching tonight I am only seeing about half of, and it is only the third half of an NBA game I have watched all season. I used to be an avid fan and watcher of the game, and I no longer feel that drive. I wonder if I’m not the only one slowly slipping away.

Struggling With Family Mealtime

Mary, the “mom”

So, like the mom, I am supposed to make sure that my children eat a nutritious diet and I’m also supposed to try and have family dinners.

I do manage to put a reasonably nutritious dinner on the table for a family meal most nights. But, by the time we’re all home (from work, baseball, dance, etc.) to sit down to dinner, my youngest has consumed several meals worth of after-school snacks because she’s “starving” and then she eats no dinner. My son comes in from baseball so ravenous that he eats enough for a meal and then he, too, picks at his dinner. (My other daughter just grazes her way through after-school snacks and dinner!)

So, my kids are filling up on snacks, some of which are of dubious nutritional quality, and I’m packaging up leftovers every night. I do try to push one night’s leftovers as the next day’s after-school snack, but sometimes Chex Mix or the like win out.

I have always believed that you should listen to your body and eat when you’re hungry, not when the clock says its mealtime. Yet, I really do value that family dinner time. It’s the only time we’re all together and we actually talk to one another. It’s wonderful until the bickering starts! Hmmm…maybe separate meals aren’t such a bad idea after all!

How do you juggle the family dinner issue at your house?

Rach, the “teen”

It’s really important to have regular sit-down meals, and it’s fantastic that your family tries to. Besides all the bickering that gets done, it’s a good time to just sit and be a family.

Anyway, the food thing has never been a big issue in my family. Dad has dinner ready somewhere between five and six every night. If someone is late (due to work, friends or rehearsal) then they eat the “saved for them” portion.

As for pre-dinner snacking – if your kids are starving before dinner, set out something healthy for them. Nuts or fruit, something easily snack-able, but nothing that would spoil dinner. Remember, if you’re the one who buys the groceries, then you’ve got control over what they consume. Don’t want to snack? Don’t buy snacks.

Brad, the “dad”

I admit it: we’ve given up on the Meals Together thing. With two kids at different, distant schools, and with jobs that frequently involve late hours or out-of-town trips, the ritual of the Family Dinner died a pathetic death around here a couple of years ago.

So we looked for a replacement – a more natural opportunity for family connection when we could spend some low-pressure, non-distracted time together.

In short: we discovered Starbucks.

A few times a week, we either travel together to one of the 8,302 coffee bars in the immediate vicinity or send The Chauffeur/Delivery Man (i.e., me) down the hill with orders in hand. Then we spend an hour with a latte, frap, or – in my case – brew of the day and each other, and just talk. No TV, no headphones, and no ‘family meeting’ Big Issues allowed — just catching up. Joking. Maybe even making plans for a movie or a road trip. Sometimes it’s at four in the afternoon, sometimes not until ten at night, but we do it pretty consistently, and I’m happy to say we’ve reached a point where even the kidlings kind of expect it. If we all get too busy and don’t have a sit-down, it can just as easily be one of them as one of the parents who say, “Hey, can we have Starbucks tonight?” – meaning, “Hey, can we do that Family Thing?”

It ain’t no traditional dinner, I confess, and it ain’t even all that healthy. Sue me. It’s never been about the nutrition anyway: it’s been about the connection. And I’m willing to use any illicit device at my disposal to keep that connection alive…even caffeine, chocolate, and hazelnut syrup ‘way after dark. I’m sneaky that way. (And have you tried that new Pikes coffee? Not bad!)