Credit Card Debt Consolidation – The Hidden Dangers

Credit card debt consolidation sounds great, pay off high interest bills, but credit card debt consolidation has hidden dangers that you must be aware of before you proceed. Drowning in debt can be frustrating and anxiety filled but make sure the relief you seek is truly beneficial to you, let’s discuss what to watch out for.

Credit card debt consolidation loans offer the ability to swoop in and pay off your high interest card debt, allowing you to apply more of your payments towards your balance owed and seize control of your finances back from your creditors. It seems like an easy choice on the surface, and in most cases it is beneficial but there are some common financial traps you must avoid if you get a consolidation loan.

Remember that your new loan is just that, a loan, with financing fees and charges for the approval of your new consolidation loan. This in and of itself is normal, but be wary of companies that charge very high financing charges for the privilege of your loan. You may be reducing your rates with the new loan but there is no reason that you should pay more than you have to finance your consolidation.

Many credit card debt consolidation companies will offer to negotiate settlement of your debt on your behalf with your creditor. What this means is they will negotiate with your debt holder to have a portion of your debt forgiven in return for an immediate pay off of the remaining amount with the consolidation loan. This is very commonly accepted by credit card companies for delinquent accounts as they would rather write off the debt and get paid a little than risk your bankruptcy and non payment in full.

If you choose to settle your credit card debt, simply be aware of the tax ramifications for doing so, forgiven debt is typically looked upon as income come tax time with the IRS. For large settlements you might wish to seek the consultation of an accountant or tax attorney in order to receive a professional consult for your situation.

Also be aware of the affect settlement and consolidation will have on your credit score. You may already have bad credit, and are not in the process of rebuilding yet, then this won’t concern you much. Settlement of your debt has a negative impact on your credit score, and can take years to rebuild from.

Lastly, always be sure to work with a reputable and trusted online credit card debt consolidation company. There are many services fighting for your business, some promise more than they can deliver. There are companies that have earned their trust over many years through hard work and service to people just like you, stick with them for your next consolidation loan.

The Basics Of Stock Market Investing

Investing money on businesses and other fields that will allow you to gain good amounts of profit is a really good idea if you want to become financially stable and independent in the near future. Aside from building your own business, you can also give investing on stocks a shot. Now, this may sound scary at first glance but once you get the rewards of your efforts, you will certainly be drawn in. If you are an absolute newbie in this field, you can try to have a look at different sites on the web such as Stock Market Investing Today that will teach you the basics. To give you a good jumpstart, I will be discussing some of the most important basics of investing in stocks in this article.

Stock market investing involves the concept of share or stock. When you purchase stocks, you will be getting a share or quantum of ownership in a company. This is the most basic idea. To be able to raise a capital, a company needs to have itself listed in the stock market after it gets to sell ownership in the form of different small shares that amount to millions. When you purchase a stock, you immediately become a share holder of the company, who in turn owns a share in that company. Shares of a company are sold in the primary market in the form of IPO or Initial Public Offering. Once these shares are bought, they can be sold in the secondary market, which is referred to as the stock exchange, later on.

Now, the big question is "How do you make money from investing on stocks?" You earn from this endeavor by purchasing a share at a low price and keeping it under your wing until its value increases in the secondary market. When this happens, you can then sell it base on its current value. In other words, you need to buy something cheap and sell it as high of a price as possible. The next thing you need to know about is choosing the right stocks to purchase. When you take a look at the different stocks available in the market, you need to choose ones that have a huge potential to grow in terms of value later on. Choosing the right stocks is the most important factor that will help you with investing. That's all there is to it.

6 Things Influencing Web Development

Web development holds the prime service part in the Digital Marketing spectrum involving hosting, database and website designing as the crucial aspects of this domain. Once the basic requirements meet the expectations and local hosting checks are complete, the website availability is public on the World Wide Web (www) after completion. Despite of the basic pointers mentioned for website completion, a few segments still hold a major influence in the process of web development to make it a flexible, responsive and attractive to customers or fail to appeal due to lack of proper security features discussed in a quick 6-thing list below:

1) Static website over dynamic

Static websites are gaining importance on an everyday basis providing a stronger focused online content and shelter for bloggers or ventures. Affordable and low costs, enhanced speed and performance with additional ease of understanding and security are amongst a few benefits of a static website. Although, leaving aside the development part, dynamic websites can be complex to understand and load for consumers due to its various database structures created for dynamic website functionality annoying the users trying to use various services, whereas plain text and simple development makes a static website easy to understand and stream through.

2) AI’s incorporation in Web development

Artificial Intelligence (AI) depicts a life created through machines, mostly a computer system intending to give consumer – an easier and smoother reasoning’s and explanations. Although AI is still in the process of reaching the public and making an impact in their life with its existence, the coming future definitely holds a crucial part across the world! The developers are extending these services in the educational department for the benefits of students and easing out the entire learning system. Intense AI development can strengthen the alternates for future generations commencing a new dimension for understanding and living life.

3) Bots functioning or malfunctioning

Automatic programs running continuously over the web are termed as Bots. Python, PHP, Java, AngularJS, and NodeJS are the main languages Bots run on, creating easy to understand graphical user interface over a web page. Bots fill forms automatically, manage and operate through every single step and can be a big security threat for customers or enterprises. However, a developer needs a set of latest skills to make it function or protect it from running over a website script.

Bots reside within chat apps programmed as per human context to assist customers while shopping online, asking help, etc.

4) JavaScript at its Peak

Various methodologies, libraries and frameworks already based on JavaScript offer transactional and deterministic designing for websites and applications with known JavaScript elementary such as DOM, DHTML, Functions, Promises, Classes, Callbacks, RAIL, Node and Express, etc. JavaScript has the ability to enhance website appeal and structures attracting the focus of modern web developers as the main scripting platform for their projects.

5) Single page application

Undoubtedly, JavaScript is slowly replacing HTML creating wide options for developers to use and design web portals and applications for easy consumer interaction and increasing the website engagement. A user prefers to stay on a single page rather redirect or wait for a new page. ES6 invention benefits customers with best user experience and a fresh front-end development view. Thus, users will stay on a single page without navigating or page reloads. Thereby, a single application will lead the user from start to the end.

6) No place for MySQL?

HBase, Cassandra, and Mongo have already started replacing MySQL with the use of JAVA APIs, easy connectivity to Big Data & Hadoop provide operational interface ease over a long run on websites. MySQL does not support a very large database size, whereas Hadoop has such capabilities.

In case there are missing points in the list, please comment, share your ideas and give users the required updated information in this vertical.

What is an Art Collector?

A collector would be someone very wealthy, collecting for love or money or both. It is sometimes someone who purchases on impulse. Collectors buy art because they enjoy beauty as a part of their life style. Sometimes collectors buy art to fill a void in their life.

What makes a great art collector? Having an unlimited amount of money helps but it is not essential. Some collectors treat it as a hobby: an intellectual and emotional joy which served the additional purpose of decorating one's private home. Since the end of WWII there is a different type of collector. They pursue their own passions however with an awareness that the whole world is watching. Their collections are a matter of public record and their prized possessions are on loan to other museums and companies for the entire world to see.

There are as many types of collectors as there are collections. To the avid collector, knowledge about art is far more important than money. Collecting art desires desires, passions and emotions. It speaks of addictions, obsessions and instincts. A collector can be someone who does not have huge resources of money. It could be someone who has a minimum wage income, and goes to local thrift stores looking for baby bottles to add to his bottle and glass collection.

A collector is also someone who has the courage to buy the work of an artist early in their career; when the artist is still virtually unknown. Anyone can buy the work of a known artist if they have the money. Some collectors are in love with their collections and say good night and good morning to their favorite painting. This is probably a little sentimental and extreme; however it is this passion that creates a great collector. Collectors treat their collections and take the same measures as a museum would do to protect its art. In some cases ceramics and marble statues are bolted down to protect against earthquakes. Certain collectors have high standards when buying a work of art. A work has to be museum quality.

The artist and the collector create a partnership or sometimes a whole; two people coming together to create one organism almost like a marriage.