Controlling Debt

1. Americans are loaded with credit card debt.

The average American household with at least one credit card has nearly $9,200 in credit card debt, according to CardWeb.com, and the average interest rate runs in the mid- to high teens at any given time.

2. Some debt is good.

Borrowing for a home or college usually makes good sense. Just make sure you don’t borrow more than you can afford to pay back, and shop around for the best rates.

3. Some debt is bad.

Don’t use a credit card to pay for things you consume quickly, such as meals and vacations, if you can’t afford to pay off your monthly bill in full in a month or two. There’s no faster way to fall into debt. Instead, put aside some cash each month for these items so you can pay the bill in full. If there’s something you really want, but it’s expensive, save for it over a period of weeks or months before charging it so that you can pay the balance when it’s due and avoid interest charges.

4. Get a handle on your spending.

Most people spend thousands of dollars without much thought to what they’re buying. Write down everything you spend for a month, cut back on things you don’t need, and start saving the money left over or use it to reduce your debt more quickly.

5. Pay off your highest-rate debts first.

The key to getting out of debt efficiently is first to pay down the balances of loans or credit cards that charge the most interest while paying at least the minimum due on all your other debt. Once the high-interest debt is paid down, tackle the next highest, and so on.

6. Don’t fall into the minimum trap.

If you just pay the minimum due on credit card bills, you’ll barely cover the interest you owe, to say nothing of the principal. It will take you years to pay off your balance, and potentially you’ll end up spending thousands of dollars more than the original amount you charged.

7. Watch where you borrow.

It may be convenient to borrow against your home or your 401(k) to pay off debt, but it can be dangerous. You could lose your home or fall short of your investing goals at retirement.

8. Expect the unexpected.

Build a cash cushion worth three months to six months of living expenses in case of an emergency. If you don’t have an emergency fund, a broken furnace or damaged car can seriously upset your finances.

9. Don’t be so quick to pay down your mortgage.

Don’t pour all your cash into paying off a mortgage if you have other debt. Mortgages tend to have lower interest rates than other debt, and you may deduct the interest you pay on the first $1 million of a mortgage loan. (If your mortgage has a high rate and you want to lower your monthly payments, consider refinancing.)

10. Get help as soon as you need it.

If you have more debt than you can manage, get help before your debt breaks your back. There are reputable debt counseling agencies that may be able to consolidate your debt and assist you in better managing your finances. But there are also a lot of disreputable agencies out there.

Retrieved from CNNMoney 

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Death Note – I'll Be Missing You

This is dedicated for Sparky & Mishka, We miss you guys! But we’ll be seeing you very soon.

Yeah, this right here goes out to everyone
that has lost someone or that
truly loved….
Check it out….

Seems like yesterday we used to rock the show
I laced the track, you locked the flow
So far from hangin’ on the block for dough
Notorius they got to know that
Life ain’t always what it seem to be
Words can’t express what you mean to me!
Even though you’re gone we still a team
Thru your family I’ll fulfill your dreams
In the future can’t wait to see if you’ll
Open up the gates for me
Reminisce sometime the night they took my friend
Try to black it out, but it plays again
When it’s real feelings hard to conceal
Can’t imagine all the pain I feel
Give anything to hear half your breath
I know you still livin’ your life after death

CHORUS:
Every step I take
Every move I make
Every single day
Everytime I pray
I’ll be missing you

Thinking of the day
When you went away
What a life to take
What a bond to break
I’ll be missing you

(We miss you, Big….)

It’s kinda hard wit you not around
Know you in Heaven smilin’ down
Watching us while we pray for you
Everyday we pray for you
Till the day we meet again
In my heart is where I keep you friend
Memories give me the strength I need to proceed
Strength I need to believe
My thoughts, Big, I just can’t define
Wish I could turn back the hands of time
Us and the six shop for new clothes and kicks
You and me takin’ flics
Makin’ hits, stages they receive you on
Still can’t believe you’re gone
Give anything to hear half your breath
I know you still livin’ your life after death

CHORUS

Somebody tell me why…

One black morning
When this life is over
I know, I’ll see your face

Every night I pray
Every step I take
Every move I make
Every single day
Every night I pray
Every step I take
Every move I make
Every single day
Every night I pray
Every step I take
Every move I make
Every single day
Every night I pray
Every step I take
Every move I make
Every single day

Chorus

Every night I pray
Every step I take
Every move I make
Every single day

Chorus

Every night I pray
Every step I take
Every move I make
Every single day

(We miss you)

Death Note – I’ll Be Missing You

This is dedicated for Sparky & Mishka, We miss you guys! But we’ll be seeing you very soon.

Yeah, this right here goes out to everyone
that has lost someone or that
truly loved….
Check it out….

Seems like yesterday we used to rock the show
I laced the track, you locked the flow
So far from hangin’ on the block for dough
Notorius they got to know that
Life ain’t always what it seem to be
Words can’t express what you mean to me!
Even though you’re gone we still a team
Thru your family I’ll fulfill your dreams
In the future can’t wait to see if you’ll
Open up the gates for me
Reminisce sometime the night they took my friend
Try to black it out, but it plays again
When it’s real feelings hard to conceal
Can’t imagine all the pain I feel
Give anything to hear half your breath
I know you still livin’ your life after death

CHORUS:
Every step I take
Every move I make
Every single day
Everytime I pray
I’ll be missing you

Thinking of the day
When you went away
What a life to take
What a bond to break
I’ll be missing you

(We miss you, Big….)

It’s kinda hard wit you not around
Know you in Heaven smilin’ down
Watching us while we pray for you
Everyday we pray for you
Till the day we meet again
In my heart is where I keep you friend
Memories give me the strength I need to proceed
Strength I need to believe
My thoughts, Big, I just can’t define
Wish I could turn back the hands of time
Us and the six shop for new clothes and kicks
You and me takin’ flics
Makin’ hits, stages they receive you on
Still can’t believe you’re gone
Give anything to hear half your breath
I know you still livin’ your life after death

CHORUS

Somebody tell me why…

One black morning
When this life is over
I know, I’ll see your face

Every night I pray
Every step I take
Every move I make
Every single day
Every night I pray
Every step I take
Every move I make
Every single day
Every night I pray
Every step I take
Every move I make
Every single day
Every night I pray
Every step I take
Every move I make
Every single day

Chorus

Every night I pray
Every step I take
Every move I make
Every single day

Chorus

Every night I pray
Every step I take
Every move I make
Every single day

(We miss you)

Skin Cancer Statistics – The Facts

Did you know…
  • One person dies every hour from skin cancer.
  • One in five Americans will develop skin cancer.
  • Skin cancer in women under 40 has tripled in the past 30 years.
  • Five sunburns double a woman’s chance of getting skin cancer.
  • UV exposure at tanning salons is just as risky as sunbathing outside.
  • People with fair skin that burns rather than tans, people with red hair and people with blue eyes are at greater risk of developing skin cancer.
  • People who have many (extensive) freckles on their upper back are at a greater risk of developing skin cancer.
  • People who have a history of sunburns, especially during childhood, are at a greater risk.
  • The depletion of the ozone layer may be significantly affecting the incidence of melanoma.
  • Exposure to ultraviolet radiation from the sun between 10 a.m. and 3 p.m. and exposure at high altitudes are the most dangerous times to be exposed to the sun.
  • Those with an impaired immune system — especially those who have had an organ transplant, leukemia or lymphoma — are at a greater risk of melanoma.
  • According to one study, the use of a sunscreen of SPF 15 or higher during the first 18 years of life would cut lifetime risk of melanoma by 78%.

Send free SMS in Canada to Bell, Fido, Rogers, Virgin, and TELUS cell phones through the Internet

I used to go to canadiancontent.net for this information, but that site never gets updated anymore and seems to have turned into a Google AdSense cash grab. So here’s a list of links where you can send free SMSs to cell phones from the different Canadian wireless providers:

(Note: the recipient might get charged, of course, depending on their specific plan)

E-mail to text

There are some e-mail to text services, but the recipient usually has to have signed up and paid for this service, unlike the web forms above that are free:

[insert10digitnumber]@@txt.bellmobility.ca
[insert10digitnumber]@pcs.rogers.com
[insert10digitnumber]@fido.ca
[insert10digitnumber]@msg.telus.com
[insert10digitnumber]@mobiletxt.ca
[insert10digitnumber]@vmobile.ca (Virgin Mobile)
[insert10digitnumber]@mobiletxt.ca (PC Mobile)

There is no official form to send text messages through the Internet to other providers such as 7-Eleven Speak Out Wireless, Petro Canada, or Solo Mobile. However, try these two sites:

http://freesms.1888usa.com/sms_global.htm
https://www.vazu.com/

—————————

Know of any other providers’ text message links? Leave a comment to let me know!

Tattoo – Jordan Sparks

No matter what you say about love
I keep coming back for more
Keep my hand in the fire
Sooner or later I get what I’m asking for

No matter what you say about life
I learn every time I bleed
The truth is a stranger
Soul is in danger I gotta let my spirit be free
To admit that I’m wrong and then change my mind
Sorry but I have to move on and leave you behind

I can’t waste time so give it a moment
I realize nothings broken
No need to worry about everything I’ve done
Live every second like it was my last one
Don’t look back got a new direction
I loved you once, needed protection
You’re still a part of everything I do
You’re on my heart just like a tattoo
Just like a tattoo
I’ll always have you (I’ll always have you)

Sick of playing all of these games
It’s not about taking sides
When I looked in the mirror didn’t deliver
It hurt enough to think that I could stop
Admit that I’m wrong and then change my mind
Sorry but I’ve gotta be strong and leave you behind

I can’t waste time so give it a moment
I realize nothings broken
No need to worry about everything I’ve done
Live every second like it was my last one
Don’t look back got a new direction
I loved you once, needed protection
You’re still a part of everything I do
You’re on my heart just like a tattoo
Just like a tattoo
I’ll always have you (I’ll always have you)

If I live every moment
Won’t change any moment
There’s still a part of me in you
I will never regret you
Still the memory of you
Marks everything I do, oh

I can’t waste time so give it a moment
I realize nothings broken (yeah)
No need to worry about everything I’ve done
Live every second like it was my last one
Don’t look back got a new direction (don’t look back)
I loved you once, needed protection (no, no)
You’re still a part of everything I do
You’re on my heart just like a tattoo

I can’t waste time so give it a moment (i can’t waste time)
I realized nothings broken
No need to worry about everything I’ve done (no need to worry)
Live every second like it was my last one
Don’t look back at got a new direction (don’t you ever look back)
I loved you once and I needed protection
You’re still a part of everything I do
You’re on my heart just like a tattoo
Just like a tattoo
I’ll always have you

P.S. I Love You

Finding someone you love and who loves you back is a wonderful, wonderful feeling. But finding a true soul mate is an even better feeling. A soul mate is one who understands you like no other, loves you like no other, will be there for you forever, no matter what. They say that nothing lasts forever, but I am a firm believer in the fact that for some, love lives on even after we’re gone

I loved the movie. Every bit of it…