Joie Studio's calendar was featured in decor8: Calendar Round Up 2008: Part One on November 1st.
Tia's Treasures was featured on Indie Pretty on November 5th!
Monday, November 5, 2007
Artisans in the News!
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Credit cards have
revolutionized the purchasing experience since Diners Club released
the first credit card in the year 1950.
The Dinners Club credit card gave consumers limited credit that, at
times, even surpassed the personal savings of some participants. It
allowed them to buy items they usually could not afford if they were
to make a straight cash purchase. It also provided the convenience and
safety of not having to carry large amounts of cash.
On average, American households possess 4 credit cards or a total of
13 payment cards if debit cards and store cards are included. There
are, actually, 1.3 billion payment cards of assorted types in
circulation in the United States.
But, if you think that credit cards have made the lives of modern
American consumers easier, you may be wrong...
Statistics show that the average credit card debt for each household
in the U.S. is $4,800 per month. Also, there were 1.3 million credit
card holders declaring bankruptcy in the year 2003.
And if you still consider yourself unaffected by credit card debt,
then consider this: upon retirement, most Americans can only expect to
receive about 37% percent of their annual retirement income because of
prior debt payment. This will leave many individuals depending on the
government, family and charity for economic survival.
These are some scary facts. So before you find yourself in a position
of economic uncertainty, it might be wise to evaluate your spending
and current credit card debt.
If your credit card debt exceeds what seems to be a reasonable level,
you may want to consider credit card debt consolidation.
So what is credit card debt consolidation?
In a nutshell, credit card debt consolidation is taking all your
credit card payments and consolidating them into one monthly payment.
This way, you dont have to worry about managing the payments
individually. Aside from this advantage, it may also provide you with
the following additional benefits:
- Reduce interest payments
- Waive late and overtime fees
- Reduced monthly payments
- Debt relief in a shorter time
- Credit improvement
- Save more money in the long run
There are actually two major types of credit card debt consolidation...
You may want to consider a Credit Card Counseling firm. They assist
consumers by consolidating all their monthly payments into one single
payment and then dispersing this to the creditors on behalf of the
consumers.
The other type is through a home equity loan or other secured loan.
This is done by exchanging an unsecured debt (such as
credit card debt) for a secured debt (a debt backed by specific assets
such as real estate
Debt1Consolidation.com