Debt Removal Tips

It is difficult to control debt.It can be controlled by proper planning .Credit Cards are Loans are major sources of debt.- Remind yourself that credit cards are not there for your convenience. In reality, they are very expensive loans that can quickly add up with interest rates ranging from 16% to 21%. So, avoid using them whenever possible unless you are very disciplined.Credit card loans are difficult to bear.There are many hidden charges.They do not provide any information at the time of giving loan amount.They use compound interest without any reducing loan option.


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An investor faced various kinds of risks when investing in different asset classes.The attention is focused on possibility of some sort of interest rate risk,another graver risk is often ignored .This is the credit risk;present in particular types of investments Considering the risk and taking steps to tackle it is important for every investor.

Credit Risk -This risk is present in most debt investments.The risk is that the entity issuing the debt might be unable to pay the debt amount,resulting in loss of capital to the investor.This will happen when the position of the entity issuing the debt deteriorates and it is unable to pay the required amount.First the interest payments might stop and then even repayment of capital might become tough.

Debt Instruments

There is a feature called 'credit rating'in the market,which helps an investor understand risks involved in these types of instruments.The credit rating gives an indication about the financial position of the entity.Stronger the position,the better it is for the investor.The risk here could be that over a period of time the financial position deteriorates resulting in repayment problems.

Danger Zone

Investor face various risks even in their debt investments.One of them is credit risk that increases during tough conditions.This is the risk that the entity is not able to repay the amount borrowed.This is present in most debt instruments available for investments.Investors can have either a direct or an indirect exposure.

Debt Reduction

Many people view debt reduction as a difficult and arduous process, but in reality it can simply involve a series of easy steps.

1. Stop Borrowing - Cut up your credit cards and only pay for things with cash, check or debit cards. 2. Consolidate Your Debts - Look for the lowest interest rates and consolidate all of your debt under that rate. You might be able to get a bank loan to pay off your credit cards and debt or maybe roll your credit card debts from multiple cards onto a single card offering a better rate. 3. Focus on Repayment - Put yourself in a repayment mindset instead of a spending mindset. Think of paying off your debt before making a purchase and allocate your money accordingly. Perhaps you could hold a garage sale or sell some things on eBay that you no longer need in order to raise more funds. 4. Pay Off the High Interest - It is very important to pay off your high interest debts first because they are the ones that cost you the most over the long run.

Perfect Cup Of Tea

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The secret of serving a perfect cup of tea could lie in a mathematical formula,it'a best to drink a cup of tea exactly six minutes after it is made.
When enjoying a cup of tea,our palette requires a balance between bitterness and sweetness.
10ml is the preferred amount of milk for our cups of tea,due to its ability to balance natural bitterness and allow a smoother taste sensation.
Perfect Cup
The perfect cup formula:
TB+(water at 100 degrees centigrade)two minutes BT=PC (at OT60 degrees centigrade)
TB means tea bag ,BT is brewing time,C is milk,PC means perfect cuppa, and OT stands for optimum temperature.

Father Day

Father's Day is the celebration and facilitation of our dad. Through different activities and events we make our dad feel very special on the Fathers Day and tell him that "Dad you mean the world to us". Father's Day falls on third Sunday of June in most countries around the world including the U.S., Ireland and the UK. Say thanks to Dad with chocolate fathers day gifts from Butlers.



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Fathers Day is the one day each year when we can let our Dad know just how special he is. It's our chance to say thanks for always being there, and to let him know how much we appreciate him.Father's Day is the day to honor fathers and celebrate fatherhood. It was during a 1909 sermon about Mother's Day when Sonora Smart Dodd became inspired to create Father's Day. He wanted to show how thankful she was to her father for taking care of her and her siblings after the death of her mother.

The first Father's Day in the United States was observed in Spokane Washington on June 19, 1910. It was proposed by Mrs. John B. Dodd in 1909. Her father, William Smart raised six children alone after his wife died in childbirth.When children can't visit their fathers or take them out to dinner, they send a greeting card. Traditionally, fathers prefer greeting cards that are not too sentimental. Most greeting cards are whimsical so fathers laugh when they open them.

Crazy about gadgets brings you refreshing and inspiring presents for your Father this Fathers Day. Discover inspiring gift ideas and presents for your dad and make this Fathers Day special.There were an estimated 159,000 "stay-at-home" dads in 2008. These are married fathers with children under 15 years old who have remained out of the labor force for more than one year primarily so they can care for the family while their wives work outside the home.


Dad has a quiet and deep influence on us. On Father's Day, let him know how much you appreciate and love him.Race photos make great gifts for Father's Day.Vocabulary word find for Father's Day. Can you find all these words of things to do with Dad in the puzzle? Each time you play, the game is different.

Father's Day is the perfect day to tell your dad that he's been the person you always look up to.Write your father's name and draw a picture of your father in the center oval. Write eight adjectives describing your father.

A Babylonian youth named Elmesu carved the first known Father's Day card in clay nearly 4,000 years ago. His special message wished his father good health and a long life.