Monday, June 24, 2013

Learn All About Debt Consolidation In This Article

by Roger Ricafort

Solving the issue of overwhelming outstanding debt can sometimes seem like an impossibility. However, as long as you take the time to teach yourself about debt consolidation options and concepts, there really is hope. Continue reading to find out what to watch for and what you can do to ensure a promising financial tomorrow.

If you're trying to pay down your debt, try borrowing a bit from your 401(k) or other employer-sponsored retirement account. Be careful with this, though. While you're able to borrow from your retirement plan for low interest, failing to pay it back as you agreed, losing your job, or being unable to pay it all back, the loan will be considered dismemberment. Your taxes and penalties will then be assessed as for why funds were withdrawn early.

Understand the difference between debt consolidation and a home equity loan. Many companies will guise a home equity loan (where you put your home on the line for the debt) as true debt consolidation. That's not always the wisest move to make, especially if you have a family involved. Know the differences and the risks before making that decision.

Consolidate all of your high interest credit cards onto one credit card with a reasonable interest level. If you've got multiple cards above 20% interest, you are paying way too much. That money going to interest could be helping you pay off that debt! Plus multiple cards means multiple minimum payments. It's best to attack one card alone if you can.

If you own your home, consider taking out a home equity loan. Since the interest on these loans is tax-deductible, you can save money in multiple ways. Provided you are able to get a good interest rate, this is a smart way to consolidate your debt into one monthly payment.

Many people find that they can lower their monthly payments by simply calling their creditors. Most creditors will work with debtors to help them get out of debt. If you have a credit card and cannot afford the monthly payment, call the credit card company and explain your situation, the credit card company may be willing to lower your minimum payment; however, they will not let you charge using the card.

Understand why you are here in the first place. Debt consolidation is only half the battle. You need to make lifestyle changes for it to be an effective means to increasing your financial well being. That means taking a hard look at your credit report and bank accounts. Know what led to this scenario.

If you are looking for a debt consolidation program, consider searching the Internet. Many sites on the Internet offer you the chance to shop various lenders in order to find the best interest rates and terms with one application process. This can simplify things, and help you to find a plan that really works for you.

If you are struggling with seemingly insurmountable debt, you are not alone. But, you should also realize that there really are debt consolidation opportunities that can help a great deal. With any luck, the advice above has shown you what to guard against and what to look for when making these types of financial decisions.

About the Author:

Consolidate my debt â�" is this possible? Debt consolidation has been very popular especially to people who do not want to have a lot of problems in paying their debt. This is the easiest way to handle different loans.

Friday, June 21, 2013

No More Fumbling!

So she's not dumb as rocks and she has a great PR team. Watch Miss Utah fight back all the critics in this parody about HERSELF.

Miss Utah: A Fighter

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You're Invited To A Party!

Well.....kinda, but you will have the best time, GUARANTEED! Even my hubby laughed and he hardly laughs at ANYTHING. Have fun at Jimmy Kimmel's party!

Sausage Party

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Wednesday, June 19, 2013

Dumb As Rocks? You Take A Crack At It....

It's been three days and I still can't get over this. She may not be dumb as rocks, but at that moment it was easy to believe she was. It just goes to show that in life you ALWAYS have to be ready or else you can miss out on your blessings. Enjoy the video!

For Real Miss Utah?

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Monday, June 17, 2013

Tornado 5-20-13 Moore, OK EF5

Ok, watching the first 45 seconds of this is interesting, if and only if you've never seen a tornado touch down. But when you begin to think about all the people who lost their lives that day, it becomes hard to watch. I hope and pray they all accepted Jesus.

Tornado 5-20-13 Moore, OK EF5

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Wednesday, June 12, 2013

God of Heaven in You

We all need to use the Word of God everyday, not just on Sundays. Thank God for the life of this young lady. Enjoy the video!

DesktopLightning - Click Here For Free Traffic

Tuesday, June 11, 2013

Who says white people don't have rhythm?!

This guy could be my Dad's age and dancing like he's 17 all over again! LOVE IT! 

Enjoy the video!


This Bart guy has taken parodies to a whole new level of inappropriateness. I think he could have gotten his point across without all the vulgar comments and racy topics. But hey, what do I know? the video has over 2 million views in just 2 weeks. Watch for yourself. Boost Your Credit Score 135 in 37 Days!


Monday, June 10, 2013

Family Goes Mortgage Free in 5 Years

Here's what's trending today, financially speaking:


 We paid off our mortgage in less than 5 years    We're paying off our mortgage in less than 5 years The couple talk about why they paid off their mortgage, how they did it and life after mortgage debt.

 More Stories:


 For more financial stories like these and others, start getting acquainted with Yahoo! Finance

Friday, June 7, 2013

The 3 Best Abdominal Exercises that Are NOT Your "Normal" Ab Exercises

A unique ab workout that doesn't contain your typical boring stomach exercises - no crunches or situps here!

by Mike Geary - Certified Nutrition Specialist, Certified Personal Trainer
Author of best-seller:  The Truth about Six Pack Abs

Instead of the typical ab routines that we see so often with crunches, situps, leg lifts, etc... I like to give my readers better options for metabolism-boosting high intensity workouts that work their entire body while also working their abs... thus building rock hard abs & core, but also creating a much better fat-burning workout than a typical ab workout.
I'm going to show you an example today of one of my favorite "ab workouts" that doesn't include any direct "ab exercises" at all. This is actually a full body workout that works your abs pretty hard indirectly, and stimulates a good metabolism boost!  It's in a tri-set format (similar to a super-set but alternating between 3 exercises instead of 2).

Here goes:
1a. Renegade Dumbbell Rows
1b. Front Squats with Barbell
1c. Mountain Climbers on Floor

A good rep scheme to use with this could be 3-4 sets of 8 reps for each exercise, or more sets for less reps, such as 5 sets of 5 reps of each exercise. Mountain climbers can be done for a time interval (such as 30 seconds) instead of "reps".

Exercise Pics & Descriptions:
Renegade dumbbell rows are done starting in a pushup position with the hands on 2 dumbbells. You then row one dumbbell up while stabilizing your body with the other arm. Bring the dumbbell back to the ground and alternate the rowing arm while stabilizing with the opposite arm. This stabilizing effect during the rows creates incredible work for your entire midsection core area. Trust me... you'll feel it in the abs!

 renegade rows start position for solid core

renegade rows - great ab & core exercise
Renegade Rows shown above

Front squats are done similar to back squats, however with the barbell in front of your body on the front of your shoulders instead of resting on the upper back as in back squats. You stabilize the barbell on your shoulders by crossing your arms and pushing your fists into the bar against your shoulders while keeping your elbows out in front of the body.
This takes a little practice at first, so you will want to seek a professional trainer at your gym to help you with the form. Front squats require extreme stabilization strength from the abs due to the barbell weight being shifted to the front of the body instead of the back. Even though this is mostly a leg exercise, you'll feel this one in the abs big time!  Any time I do front squats after not having done them for a while, I get a really deep soreness in my abs the next day.

 front squats start position for rock hard abs

front squats - surprisingly good abdominal exercise
Front squats shown above

Mountain climbers are done by starting in a pushup position and then shuffling your feet in and out so that your knees are moving in under your chest and then back out to starting position. It sort of resembles climbing a mountain but flat on the floor. If you want an advanced version, you can also shuffle your hands 8-10 inches forward and backward in addition to the leg movements. This really makes it a full body exercise and MUCH more difficult than standard mountain climbers.

mountain climbers ab exercise start

mountain climbers - great ab exercise
Mountain Climbers shown above

After finishing each exercise, try to move to the next exercise with very minimal rest (no more than 15-20 seconds).  Rest about 1-2 minutes after completing each "tri-set" before repeating the sequence.

This will give you one of the best ab workouts you've ever had without even doing any direct ab exercises.... and with a LOT more fat-burning metabolic effect compared to standard ab exercises...  You'll see what I mean after you try it!  This can be used as a stand-alone workout (as it can be very intense if you use challenging weights), or you can incorporate it as a portion of your full body workout.

Not only will you receive a complete blue-print for challenging full-body workouts that will thoroughly define your entire body in addition to your abs (can be adjusted to beginners or advanced levels), but you'll also gain a thorough understanding of what types of nutritional strategies and other lifestyle aspects that it takes to reduce your belly fat to the level where your abs are visible.  Remember, nutrition and mindset are MORE important than just the workouts!

Check out what other users are saying about their results with the Truth about Six Pack Abs program

Don't be lazy... Be lean.

Mike Geary
Certified Nutrition Specialist
Certified Personal Trainer

homepage:   Unusual Tips to Lose Stomach Fat for Six-Pack Abs

Related six pack abs and fat loss articles:
1 Unique spice that helps burn abdominal fat
The #1 WORST food for your skin, joints & blood sugar? 
The #1 MOST harmful food for your brain (beware)

Never Stop Dancing

This is why I LOVE old people. Watch these ladies clear the floor and listen to they guy filming at the end. Quite surprising, yet HILARIOUS! Enjoy the video!

If you enjoyed this video, don't forget to 'like' or ' share' this page.

Thursday, June 6, 2013

Syndicate Your Blog

Because Sometimes You Just Can't Keep Up!

Here is the thing, if I've had trouble with this, the rest of the planet must've had trouble with this as well. I am the smartest woman on this planet. Just kidding guys and gals, but it's good to toot your own horn sometimes right :) .

What I found was that with Syndication I had trouble remembering all the steps that I needed to take. This resulted in me getting lost between pages and wasting a lot of time. I know when I watched Jon in the video, he is really quick and his videos explain very well what to do. But here is the thing, me being the smartest woman on the planet, I couldn’t remember everything and my notes always read badly when I tried to decipher them. I tried to put links in a Google tab, and again me being the smartest woman on the planet, I keep forgetting where things were.

So I decided to do a INGENIOUS thing. Why not create a blog that has got all the steps in it of what I need to do. So I did and VIOLA! What if I linked all the web pages in there so I only need to point and click, so I did. What if I put an image at the side of my blog that lets me jump straight to my syndication post and let me syndicate my post very easily. That gives me more time to help my kids prepare for Preschool, clean the house, prepare dinner and get ready to do it all again the next day.  What was 2+2 again right 12346566, me being the smartest woman on the planet.

If you like what I have done, feel free to copy the content and past it into your own blog, you can then add the links to the websites and the picture on the side to link it to the blog, so you can find it quick. Later when you find more sites where you want to promote your blog you can add them to your Syndication List.

This is the video that you need to watch from Jon:
How to Syndicate Blog Post & Get Traffic Quickly

This is the action that you need to take after you've edited and published your Blog:


1) Click here to go to, if you have account login and then do this.
  • • Copy Title of you Blog post and past in Title: field
  • • Copy URL of your blog post and past in URL: field
  • • Select a Category for your blog post
  • • Type in Captcha Code
  • • Click PING button
  Note: You can only ping your blog every 3 days unless you're a paid member.


2) Click here to go to, if you don’t have an account GET ONE!
  • • Log into account
  • • Skip the advertisement by clicking no thanks on the bottom
  • • Click the submit +URL button in the menubar
  • • Copy URL of your blog post and past in URL: field
  • • Copy Title of you Blog post and past in Title: field
  • • Copy first paragraph of your blog post and past in Description: field
  • • Fill in Tags for your blog post
  • • Select a Category for your blog post
  • • Select Drip Feed how many days you like it to repeat
  • • Choose Submission to number of sites, enter value
  • • Click Preview & Submit button


3) Click here to go to, if you don’t have an account GET ONE!
  • • Copy URL of blog post and paste it in the field where share
  • • Write a comment above the link
  • • Click the Share button



4) Click here to go to, if you don’t have an account GET ONE!
  • • Copy URL of blog post go to and paste URL into the box into the top right of the page.
  • • Copy the new URL and paste it into twitter where you compose a tweet
  • • Write a Comment above it, by copying title of blog post, past it and customizing it
  • • Press Enter to tweet



5) Click here to go to, if you don’t have an account GET ONE!
  • • Go to your picture in the menu bar click pull down button and select add a page
  • • Copy URL of blog post and paste it in the Web page address field
  • • Check YES in the “Is this page safe for work?”
  • • Select a Category in “What is this page about”
  • • Add in a few Tags in the Tag field separate them with “,”
  • • You can write a comment if you like
  • • Click Add This Page button.



6) Click here to go to Google+, if you don’t have an account GET ONE!
  • • Copy URL of blog post and paste it in Google+
  • • Select by using arrows the picture that you like to show up
  • • Take URL out of the description field and put appropriate text in to make people click on it.
  • • Share it.



7) Click here to go to, if you don’t have an account GET ONE!
If you haven’t set up a Pinterest account yet, you need to create a few boards where you can drop your pins in first, It has change slightly from the video.
  • • Copy URL of blog post
  • • Click the + button in the menu
  • • Select Add from a website
  • • Paste your URL in the box and then click Find images button
  • • Select the image that you want
  • • Select the board that you want to store it in
  • • Put in a description and
  • • Add in some # tags, start them of with “#” followed with word you want to use separated by spaces
  • • Click Pin It



8) For posting on Facebook click here to go to
  • • Copy URL of blog post and paste it in Destination URL
  • • Type the name that you want to use in the URL slug, sometimes the name that you chose might already be taken, you then need to change it
  • • Copy page title from blog post and paste into Page Title field
  • • Copy first paragraph of blog post and past into description field
  • • Go to google images and find an appropriate image that you can use, click on it and you will find a button saying view original image, Copy URL from the top and go back to social media bar and past it in.
  • • Click Create Link
  • • Now copy the link and share it on Facebook.


9) For posting on Digg click here

  • sign in at the top right hand corner using Facebook or Twitter
  • Scroll to the very bottom of the page 
  • Click Submit A Link
  • Type in or Copy and Paste your website link in the link field
  • Click Submit

If you happen to use video marketing, here is a list of video sites you can start submitting to:


  • If you found that this Blog really helped you in your business please write a comment and like me, it is appreciated.

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    Tuesday, June 4, 2013

    Share Your Site

    Time to play nice.

    I recently read an article that suggested that it's better to join other bloggers in there efforts rather than focusing on my efforts alone. So in the comment section, leave a link to your blog/website. Let's see how we can all help one another.


    Back In My Groove

    Recently I've decided that I need to stop watching others talk about how they've "made it online" and actually "make it" myself. So, here I go....AGAIN. This time around, I'm just going to write and see what happens. I can't see the whole staircase, but who cares, I'm out here now. So stay tuned. Click Here!

    Monday, June 3, 2013

    Wow - Check Out MY NEW BLOG!!

    Wow!!! Welcome To My New Blog!!

    This Blog was set up in seconds with Blogger.

    Did you know....

    Blogging is the HOTTEST thing online right now - and you can have the greatest advantage in the history of ONLINE TRAFFIC - Just by grabbing your FREE blog on Blogger.

    I use this site as my base for everything I do online and I have a GREAT system that refers others, builds my brand, my lists, my followers...

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    Blogger is waiting for you - It is free to join -
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    (Ps: Subscribe to THIS blog to see some incredible content from me soon)

    12 Tips to Get You More Sales From Your Classified Ads