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Debt Consolidation

Removing your debt and getting it under control is needed if you want to save yourself from declaring bankruptcy. When you come to the conclusion and decide to take your debt and start controlling it, debt consolidation is the way to go. While bankruptcy is a consideration and a path many people take, however it has very strong conditions. Debt consolidation is the better path to take.

When you make the decision to consolidate your debt, it doesn’t become public information like bankruptcy does. Debt consolidation is a private matter. It is done with a debt consolidation company. There is also a chance that you can keep your credit cards if you decide to go the debt consolidation loan route – as long as you are responsible! However, if you owe a lot of money, your limit may be reduced.

So how does debt consolidation work? Well, a company will take all of your debt and your payments and lump it in to one payment each month. This doesn’t not mean its one large payment. Your Debt Consolidation Company will work with your debtors to work out new interest rates. This allows you to have one payment, thats not as high as all your payments. This allows you to focus on making that one payment, in order to pay off everything. It will get you in the habit of paying, and for you not to worry. This method of consolidating your debt, is a much better option to take advantage of before filing for bankruptcy.

Bankruptcy can have a bad impact on your credit rating, which is an understatement. Bankruptcy severely limits what you can do financially for years to come. Credit scores are becoming more and more important. Even some employers take credit score in to consideration before hiring someone. Bankruptcy can also make you give up some possessions, but with debt consolidation, you are able to keep all of your valued possessions.

Debt Consolidation is the best alternative to the vicious world of Bankruptcy. Contact a debt consolidation company if you are struggling and behind with all of your bills. They can help you find your way out.

Should I consolidate my payday loan?

Payday loans can be a useful financial product that can help people to meet their short term financial needs. However, as payday loans have high interest rates and short redemption periods, many people have difficulty paying off the loans by the due date. When a person is unable to pay off the loan by the due date, he or she will likely have to take out a new payday loan to pay off the old one. This cycle can quickly repeat leaving the person with multiple payday loans at one time.

One solution to his ongoing cycle of payday loans is to consolidate the existing loans. With a payday loan consolidation, a person can combine his or her existing payday loans into one simple repayment plan. In most cases, the consolidation process will allow a person to make payments on the balance of the loan over a period of months. A person who chooses to pay off multiple payday loans through the consolidation process will enjoy a number of benefits. Consolidation typically results in interest rates that are lower than a standard payday loan and a longer repayment deadline than a payday loan. This means that a person who consolidates his or her loans will make significantly smaller payments, will have more time to come up with the money to pay off the loan and pay less in interest. These factors alone can help a person to escape the payday loan cycle and save a significant amount of money.In addition to smaller payments, paying less interest and having more time to pay, a person who consolidates payday loans will also enjoy other benefits. By only having one payment, instead of multiple ones, it will be easier to keep track of the loan and the payment dates. This makes it less likely that he or she will make a mistake and end up with additional late charges. Using a loan consolidation plan to pay off payday loans that are past due will also help a person to end the endless collection calls and letters, which can help to reduce a person’s stress level. A consolidation plan can also help to bolster a person’s credit rating by eliminating the late payment reports from the payday lender and reporting a person’s on time payments on the consolidation plan.

With the many benefits of payday loan consolidation, there is no reason for a consumer who is struggling to pay his or her payday loans to not take action to find out whether or not loan consolidation can help them escape the payday loan cycle.

Kitchen Countertop Reglazing vs. Replacing

You’ve had your countertop for some time and it’s beginning to look its age. The question is should you replace it or should you reglaze it?

There are many advantages to reglazing as opposed to ripping out an old countertop and buying a new one. The first, of course, is cost. Reglazing a counter is far less expensive than replacing one. Reglazing also saves the homeowner the mess of physically prying the countertop up and disposing of it and the labor of installing a new one. There’s also the time it will take to measure the area and then having a new countertop fabricated. Even if the new countertop is ready by the time the old one is removed, it will need to be stored somewhere on the premises and will probably need at least two strong people to wrestle it into place. If it’s made out of stone, tile, glass or concrete, it risks cracking if it’s dropped. This means a whole new countertop will have to be made. In the meantime, you don’t have a countertop.Ideally, replacing a countertop should be postponed until it’s in very bad shape or you’re doing a top to bottom remodel of your kitchen and the old countertop just doesn’t work anymore. In that case, it may be able to be recycled.Laminates
Nearly every type of surface can be reglazed, though some surfaces are more challenging than others. Laminate may be one of the least expensive surfaces for a countertop, but it can be tough to reglaze. You might want to use an epoxy product made specifically for laminates. Several coats can be applied, and the product should be allowed to dry between applications. Special paste can be used to fill in scratches, and contact cement can be used to bind separating layers back together.

Stone
Stone should be sealed when it’s installed, and the sealant should be reapplied every two years or so. If the stone is etched or dinged, the flaws can be hidden with resin or epoxy that’s the same color as the stone. Larger cracks might need to be dealt with by a professional.

Tile
Tile is also a bit tough to reglaze, and this job might also be left to a professional. However, a cracked tile can also simply be removed and replaced by a new one. That’s why it’s always a good idea to buy more tile than is strictly needed.