So, if you are in a situation where you find that accumulated credit card debt is snapping at your financial heels, then it is time for credit card debt elimination. Here are a few practical ways how you can pay off credit card debt:

1. Use your credit card for emergencies only: It is impossible to altogether stop using your credit card. But it is definitely possible to use it strictly only for making emergency payments. So, step one is to stop using your credit card for luxury shopping, traveling, entertainment and eating out, and focusing its use on absolute necessities such as gas, groceries, etc.

2. Pay more than the minimum credit card debt: Credit card companies are tricky guys — they tell you they are making life easier for you by paying only a small percentage (2 to 3%) of your outstanding, and then they charge you a whopping interest on the unpaid balance. The result is disastrous — you keep spending more and paying only the minimum due, and your debt keeps accumulating. Therefore, if you want to get rid of credit card debt, you must pay more than the minimum amount due. Gradually, the interest amount will keep coming down and you will be able to repay the outstanding amount in a phased manner.

3. Take a home loan: Sure, the sub-prime market crash may have made taking a home loan an onerous task, but if you have a home and a whole lot of credit card debts, then mortgage your home, take a low-interest loan, and repay off the high-interest credit card debt. Remember, interest paid on home loans is a deductible expense and that is another benefit you derive with these loans. Of course, the primary advantage is that you are using this cash for repaying that monster credit card debt that is hanging around your neck!

4. Borrow from other sources: if you do not have a home to mortgage, then consider borrowing using your life insurance policy or your 401(k) plan. However, remember this: when you are borrowing to repay off expensive credit card debt, then you must not begin splurging once you square it up. Adopt austerity measures and concentrate on paying off the new loan in your life.

5. Shift balances: Analyze your credit cards and you will find that some of them have a lower rate of interest. If you do have such low interest cards, then shift the outstanding balances from your high-interest cards to these.

6. Negotiate with the credit card companies: If nothing else seems to be working, then it’s time to have a sit-down with your credit card company and place the cards on the table. Tell them that you are unable to pay the outstanding balances, and if they want their money back they will have to restructure the credit card debt. Every credit card company will sacrifice something to get their outstanding back, and nine times out of ten they will plan a good repayment deal for you.

That was how to pay off credit card debt faster. We hope the information was useful. And, good luck to you on finishing off your unwanted credit card debt.

About the Author:

Paul Sarwana offers credit card debt reduction tips to help debtors build confidence in improving their financial situation. Continue reading to get more tips on how to pay off credit card debt plus learn ways to reduce credit card debt and become debt free.

Article Source: ArticlesBase.com – Different Ways to Pay Off Credit Card Debt

Granta Paul Auster Interview

Leviathan, as the name implies, is big. Perhaps his best work, but big (for him). My first Auster novel was Moon Palace and I needed to keep reading him after that. Try that, or the New York Stories, which are three short stories – you can bail after the first, but most do not.

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Sophie Auster $12.98 This album is a collaboration between the 16-year-old Sophie Auster and the One Ring Zero musicians Michael Hearst and Joshua Camp. The lyrics of the songs were written by Sophie herself, by Paul Auster, by some of the great French poets of the twentieth century, and by an anonymous Englishman who lived over five hundred years ago. The first recording session took place in October 2003; the last i…

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The Center of the World [VHS] $8.15 The titular center of the world is a matter of perspective in Wayne Wang’s (The Joy Luck Club, Smoke) notorious, explicit drama of emotional isolation and sexual commerce in the modern world. According to rich, apathetic cyber-geek Peter Sarsgaard (Boys Don’t Cry), it’s his home computer. Amateur rock & roll drummer and part-time stripper Molly Parker (Wonderland) deems it an erotic part of t…

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Blue in the Face $3.63 The hilarious improvisational comedy follow-up to smoke featuring harvey keitel and a star-studded lineup that includes madonna michael j. Fox lily tomlin and rosanne. The corner cigar shop attracts the neighborhoods most outrageous characters in a series of hilarious situations. Studio: Buena Vista Home Video Release Date: 04/04/2006 Run time: 84 minutes Rating: R…

First off, when the bus doesn’t hit you! Secondly, when it does collide with one Daniel Miller, a character in a spiritual movie that is not only motivational but very funny as well.

Albert Brooks plays Daniel Miller, the man hit by a bus. The fatal accident lands him in Judgement City. There he is put on trial to see if he is worthy to advance to the next level or if he must return to earth for another incarnation.

While there he meets and falls for the wonderful Julia (Meryl Streep) who is also on trial. Julia has lived an exemplary life and her good deeds are replayed showcasing her altruism. Brooks character, meanwhile, is subjected to watching his many shortcomings come to life on a big screen video as the lawyers for and against watch and comment.

Rip Torn does a great job as Brooks’ defense lawyer Bob Diamond and Lee Grant plays the prosecutor Lena Foster. But it is Brooks and Streep who carry this film. Brooks is at his best as his usual hyperchondriacish self. And, Streep is very sweet as his love-interest. Streep’s almost saint-like life is bolstered by her humble attitude and makes her all the more attractive. Brooks, on the other hand, in reviewing his less than stellar stint on planet earth is able to make it a memorable one by injecting it with big doses of self-deprecating humor. Witness the following exchange between Brooks and the lawyers:

Bob Diamond: Did we ever stop to think that this young boy had a bond with his father? I don’t think it had anything to do with the friend. I just think Daniel couldn’t lie to his dad. That’s all.

Lena Foster: You’re nodding, Mr. Miller. Does that mean you agree with Mr. Diamond?

Daniel Miller: Oh, yes. I had a bond with my father. I pretty much never lied to him.

Lena Foster: You never lied to your father? Would you like me to show you at least 500 examples?

Daniel Miller: I said “pretty much” never lied. I didn’t say I never, ever lied. You have to lie sometimes… in an emergency. But, ah, it doesn’t mean the bond is affected. If you’ve got the bond the bond is always there, and if you have to lie occasionally you’re not going to interfere with the bond. You know, the bond can wait for a little lie and… in the end it’s there for you. You know, sometimes in the middle of a lie I found that the bond would kick in… maybe squeeze a little truth out.

Bob Diamond: Psst, wrap it up.

Daniel Miller: I’m through.

Through, indeed…

As this motivational movie progresses and the relationship develops between Streeps and Brooks, the question becomes – will they be through? Will they get to stay together or will they be sent to different places following their life reviews and possibly never be together again.

It is interesting to see what criteria Brooks is ultimately judged on in his quest for salvation. For a spiritual journey with a lot of laughs and to find the answer to his salvation watch Defending Your Life.

What is spiritual about this movie? I like the notion that redemption is just around the corner if you are only willing to take a chance at it – in the case of this movie that payoff comes at the very end – a lesson well-learned by Brooks’ character. There is also the uncommon spiritual notion that life doesn’t have to be some solemn austere enterprise but should be for the living. To that end, Brooks is given kudos for upgrading his ticket on a long flight to first class – pampering himself in essense at the expense of expense!

Essentially, life is for the living, so live it – cause, hey, like Daniel Miller, you could get hit by a bus tomorrow. Along the way though you may want to help some folks, do some charity work, and love others cause if you end up landing in Judgement City watching a movie review of your life you’ll want to be able to enjoy it…

Defending Your Life makes getting hit by a bus a pleasurable
experience – provided you’re not the one taking the hit.

About the Author:

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Article Source: ArticlesBase.com – When Can Being Killed by a Bus be a Good Thing?