ooh. that’ll be hard. she lived in the 19th century!

but look in wikipedia under her name or the Little WOmen

Louisa May Alcott: The Woman Behind Little Women

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

“Lance has used his focus, discipline and incredible determination to achieve great success in sports and to overcome personal challenges, and we think these same attributes make successful investors,” said William M. Lyons, American Century president and chief executive officer. “We also believe there are great similarities in the compelling personal stories of our founder, Jim Stowers, Jr. and Lance. Both are cancer survivors who are using their success and fame to improve the lives of others.”

To assist investors in the attainment of their long-term goals, American Century – in cooperation with the Lance Armstrong Foundation – is introducing the LIVESTRONG Portfolios. Carrying the moniker that evokes the Lance Armstrong Foundation’s mission of empowering people affected by cancer, this series of mutual funds simplifies investing while supporting the foundation. American Century is making an annual payment to the Lance Armstrong Foundation based on investments in the LIVESTRONG Portfolios. Investors in these portfolios bear no portion of this expense.

“I’m very excited about this new relationship with American Century Investments,” Armstrong said. “This is a wonderful match given my interest in improving lives through better health and fitness and American Century’s commitment to financial well-being. Working with American Century, I hope to motivate and inspire investors to make every financial decision count.”

About the Author:

For More Health Article Visit :: http://www.webhealthclinic.com/

Article Source: ArticlesBase.com – Lance Armstrong Partners With American Century

Sounder- William H. Armstrong Slideshow

That was the second book, Petals on the Wind. Excellent series.

Dark Angel (alternate trailer)

6 Novels

5 Short Stories

5 Poems/ Poem Collections

6 Essays/Political Commentary

5 Children Books

Things Fall Apart, 1958

Chinua Achebe, Pt.1/3