Finance:Debt-Consolidation Articles from EzineArticles.com
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Every day, the Transportation Security Administration (TSA) screens about 1.8 million passengers, along with all of their luggage.
Those searches produce a lot of interesting results. Every week, dozens of firearms are found, along with inert grenades, cleverly-concealed knives, exotic animals, throwing stars, and a surprising number of swords hidden in canes.
The TSA blog posts a weekly roundup of various and interesting prohibited items its agents discover.
From a cannonball covered in coral to a gun hidden in a stuffed animal, here are the 21 craziest things the TSA found in 2012.
This sword cane was found at Kahului airport, on Maui.
The week of December 7, agents at Latrobe Airport, near Pittsburgh, found an expended AT-4 rocket launcher.
It had been packed in a passenger's checked bag.
That same week, an eight-inch knife was found in a cane, at Baltimore Washington International Airport.
See the rest of the story at Business InsiderPlease follow Getting There on Twitter and Facebook.
Source: http://feedproxy.google.com/~r/businessinsider/~3/GAOFbpFGY8I/craziest-tsa-finds-of-2012-2012-12
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Consolidation Loans with Bad Credit Is debt consolidation a good solution for my credit card debts? Debtors, upon realizing that in a few years their credit cards would have accumulated thousands of dollars through interests ask the same question. Credit card purchases, in many instances are actually more expensive because of high interest rates. Someone [...]
The post Benefits of Credit Card Debt Consolidation appeared first on legal debt help online.
Source: http://www.legaldebthelponline.com/2012/06/29/benefits-of-credit-card-debt-consolidation/
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As the old saying goes, the journey of a thousand miles begins with a single step.
It's smart to start small and build. When you tackle the small tasks first, you finish them quickly and see your progress. That gets you fired up about going after larger projects.
So it should come as no surprise that the same approach works with paying off debt. Line up your debts smallest to largest by using the debt snowball, put the tiny one in the crosshairs, and start eliminating. After you pay off the smallest debt, take that payment and apply it to your next smallest debt. Keep going until you are debt-free. As the debts fall, your confidence soars.
Some people, however, believe you should start with the debt that has the highest interest rate. Mathematically, that makes sense. Behaviorally, it's a bad idea.
Let's say you have the following debts:
With the high interest approach, you would go after the credit card first, then the business loan, car loan and finally Sallie Mae. But in taking that approach, you ignore some of the most crucial elements of becoming debt-free.
As humans, we all have a need to feel progress. No one likes to feel like they have worked at something and are no closer to finishing it. If you go after the 14% debt first, you'll see numbers going down on a page, but the monthly payment will stay there for a long time. You don't feel like you're getting traction. Without some sign of progress?for example, a payment disappearing from your budget?you'll get deflated and give up after a few weeks or months, which means all the debts stick around.
Controlling your money isn?t a math problem. It?s a behavior problem. The best way to beat debt isn?t to break out a slide rule and an abacus; you have to change the way you think about money. Get on a budget, start naming every dollar coming in and going out, use the cash envelope system, and you will immediately see a difference in the way you spend money.
So that journey of a thousand miles? Wouldn?t it be better if you could share it with people you know and trust? Behavior change is more effective when you get help from others and you?re supported by a community.
So what about our debt list above? Instead of paying attention to interest rates, attack the student loan first, then the small business, then the car loan, then the credit card. As you pay off one debt, put its monthly payment on the next debt down the line. You'll be stunned at the headway you make.
The debt snowball gives you the "atta boy" or "atta girl" everyone needs to keep their spirits up. If you?re a visual learner, you can try it out for yourself for free. And the envelope system, budget and community you need? You?ll find all those at mytotalmoneymakeover.com, where thousands of folks are beating debt and building wealth every day! You could get debt free on your own, but it?s a more fun and enjoyable journey when it?s shared with other people. Come join us today.
Source: http://www.daveramsey.com/article/crucial-elements-to-become-debt-free/lifeandmoney_debt
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Did you have a Jansport backpack back when you were in school? Jason has had his for about 14 years, and it was looking pretty beat up. He decided to put the bags’ lifetime warranty to the test, so he packed it up in a pizza box (no, really) and sent it to Jansportland. What he got back was better … [More]
Source: http://consumerist.com/2012/12/28/jansport-boasts-lifetime-warranty-actually-means-it/
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A study reveals that drivers are easily distracted by satnavs, clouds and adverts, taking their eyes off the road every nine seconds
We all know it's impossible to keep your eyes on the road all of the time, but a new study employing eye-monitoring equipment has revealed that drivers spend 18 per cent of their time behind the wheel not watching the road at all.
The study, which utilises the latest eye-tracking technology to record drivers' eye movements, found motorists using satellite navigation devices were even more distracted, with 22 per cent of their time focused away from the road.
Participants in the experiment wore special glasses that monitor the exact focus of the eye by tracking microscopic movements in the cornea. The experiment was captured on film and enabled researchers to establish exactly where drivers focus their vision.
It found that when not looking at the road ahead, drivers tend to gaze at clouds, scenery, adverts and other non-driving related distractions, on average taking their eyes off the road every nine seconds.
The study into driver behaviour commissioned by insurer Direct Line shows that drivers with a satnav have their eyes fixed on the display for 12 per cent of their total journey time. Drivers using satnav also spend six times longer watching their device than oncoming traffic.
The average driver spends only 3.2 per cent of the total journey time checking their mirrors while, on average, drivers spend seven per cent of their time gazing at clouds and scenery and 0.8 per cent of their time observing adverts. Two per cent of their time is spent actually looking at oncoming vehicles and 0.6 per cent observing road signs.
Motorists spend the same amount of time (three per cent) watching pedestrians (who were neither on or crossing the road) as they did checking their mirrors. And while both men and women appear to have been distracted by good looking pedestrians, only men turned their heads completely away from the road as a result.
Simon Henrick, spokesperson for Direct Line, said, "For the first time we know exactly where people focus their eyes when driving and the results are frightening. Even when drivers appear to be watching the road, by tracking movements in the cornea we now know they are often watching clouds or shop window displays."
Video evidence also reveals drivers engaging in dangerous behaviours, such as changing between two satnav devices and gazing down at a mobile phone held in their lap to navigate.
The findings are backed up by the results of another survey, carried out on behalf of moneysupermarket.com, in which three quarters of motorists admit to being distracted behind the wheel and that one in 10 driving convictions is for using a hand-held mobile phone while driving.
More than half of those surveyed (54 per cent) admitted to changing music while driving; 47% eat, 47% drink and 16% send texts from a mobile phone. Six per cent admitted to using apps on a smartphone or tablet, updating their Facebook status or tweeting.
The research also found that motorists, as well as distracting themselves, are easily distracted by others. More than a third of people (35 per cent) admitted to being distracted by children or other passengers and one in five (20 per cent) said a good-looking person made them take their eyes off the road.
Kevin Pratt of moneysupermarket.com said, "We all lead busy lives and find ourselves trying to multi-task, but taking your eyes off the road for only a second could have disastrous consequences for yourself and other motorists and pedestrians. Using a mobile phone to text, call or tweet when behind the wheel is not only very dangerous but also illegal."
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At any given moment, the streets of New York City are like a veritable sea, teeming with fish (people) tempting thieves with their pockets full of shiny, new electronic gadgets. And that preponderance of highly-coveted technology, including Apple’s popular iPhones and iPads, is why the city’s major crime rate has risen this year, says NYC’s Mayor Michael Bloomberg.
Thieves have … [More]
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