Why The Debt Snowball?

This is a very popular method for reducing your credit card debt. It’s taught by many financial experts and credit professionals, and for good reason. This method is part math and part emotion, which is also why it’s popularity is increasing.

There are 4 basic steps to follow:

Step 1: List your debts in order of outstanding balance and not by interest rate. If 2 balances are roughly the same you can put the higher interest rate card above the one with the lower interest rate. List your smallest balance first and the largest debt last. Like this:

1. $1100 - Min payment $35
2. $3250 - Min payment $98
3. $6000 - Min payment $180
Total payments: $313

Step 2: Add up the minimum payments on all the cards. From the example above the total minimum payments would be $313. Now commit to increasing your total debt payments by at least 25% to 30% more or $100 whichever is higher. For $313 as your beginning minimum payment total a 30% increase would be $94 extra, so lets round that up to $100. You would commit to paying at least $413 every month towards your credit cards.

Step 3: Start making the minimum payments on all your credit cards with that extra 25-30% or $100 going to the debt with the smallest balance. Continue to do this month after month until the first debt has been completely paid off.

1. $1100 - Min payment $35 + $100 = Monthly payment of $135
2. $3250 - Min payment $98
3. $6000 - Min payment $180
Total payments: $413

Step 4: Once your first credit card debt has been cleared, you are going to take what was it’s minimum monthly payment plus the 30%/$100 extra payment and add that to the minimum payment for the next largest debt on your list.

1. Paid
2. $3250 - Min pay $98 + $35 + $100 = Total Monthly Payment of $233
3. $6000 - Min payment $180
Total payments: $413

Continue to do this until debt#2 has been full paid and then repeat the process for the final debt. Your Monthly payments on the last debt will be the full $413 that you have committed towards reducing your total credit card debt.

Helpful Hints

1. $100 should be the minimum amount you commit to in extra debt payments. This will help you eliminate your debt much quicker. If you are on a fixed income or can only scrap together $50 or that is alright as well. Anything over and above the min payments will benefit you, but make an honest effort in trying for the $100 mark.

2. Throw your pocket change into a bowl or dish and every month add that on top of your payments, sell stuff on ebay, take a second job or just give up your morning coffee and throw all that extra income towards your debt snowball. Every little bit helps.

3. Contact your credit card companies and let them know what you are doing. Some companies might take any extra payments and apply the towards your future monthly payments. Let them know that these extra payments are to be applied directly to the principal.

4. Once a debt has been paid off take time to celebrate it, reflect on what you have accomplished and think of new ways to contribute extra money to the next debt. This can be great motivation for tackling the larger and more time consuming debts.

Here are what I believe to be the 3 best reasons to cut up the plastic and start paying with cash again.

1. Discounts

Retailers are charged fees by various financial institutions for the ability to accept credit and debit cards. Sometimes it is a fee per transaction and other times it is a set monthly fee. You can bet that they are going to find a way to pass those fees on to you. Weather it’s a simple price increase or a 25 cent fee added at the time you swipe your card, they will charge you for the privilege of using your plastic.

Besides the fees retailers are charged there is the time it takes to collect, store, reconcile and process all those little transaction slips. Cash all but eliminates that.

You can save a lot of money by just offer to pay for the item in cash. The key to this is to offer 10% less (at least) than the retail price and pull out the cash right on the spot. You can almost always use the power cash to negotiate a better price.

2. Easier to stick to a budget

When you are on a tight budget managing your spending using debit cards may seem like a good idea but you are actually more likely to overspend and blow the budget.

There is something about handing over the cash that stings a little; it no longer becomes just a number on your monthly statement. You can physically see that you have less and that alone can be enough to spend it a little more wisely, even make you question if you really “need” that item that you can’t live without.

3. Security

Credit card numbers are stolen thousands of times everyday, and if your card numbers are stolen the thieves will withdrawal cash or make unauthorized purchases right up to the limit. Many times you are covered and not required to pay back the stolen money but you do have to have your cards replaced and many times there are forms that need to be filled out in order to prove that you are innocent.

This also happens to debit cards, and a simple everyday transaction can result in your bank account being wiped out.

As long as you aren’t carrying around a briefcase full of money, cash is a much safer and cheaper way to pay for those everyday purchases.

Step 1

Get a student loan and ask for more than you need.

Post secondary education is a very valuable asset and a worthy pursuit; unfortunately this can come with a very large price tag. I wasn’t fortunate enough to qualify for a scholarship and had to foot the bill on my own. Lucky I managed to avoid taking out a student loan and went to a local college where I could afford the tuition (barely). Many of my friends are still paying off their student loans today.

Student loans can burden you for many years after you graduate and if your chosen career doesn’t work out it could take you a very long time to pay the loans back. If you can find a similar program at a local college or university seriously consider attending and save some big money and stress. (if you have kids set up a college fund for them now and ease the burden later)

Step 2

Get a credit card and use it for everyday purchases.

I used to buy groceries, gas and convenience store items on my credit cards with the intention of paying them back right away. While I did manage to collect some big rewards I managed to accumulate a small balance each month that seemed to grow bigger every week until I could only afford the minimum payments.

Many people will tell you to never get a credit card, and for many people that have poor spending and budgeting habits such as I did when I was younger that is sound advice. If you are not an impulsive buyer or use it for everyday purchases though a credit card may in fact be beneficial in helping you build a good credit score. A good credit score is essential if you want to buy a home in the future and not get a terrible interest rate. That is if you are planning on getting a mortgage.

Step 3

Leasing a new car

My first car I ever owned was leased, it looked great and I loved it. After about a year or so the novelty wore off and I was stuck with a 1 year old car that was worth much less than I owed on it. 4 years after that and I decided to buy it out (with borrowed money of course), for about $1000 more than it was worth and then had to pay to have it certified. It took me 8 years to pay for this new car, not to mention the thousands of dollars I paid in interest. Avoid leases and payment plans, if you need a car buy used and save up for a new car.

Step 4

Buy a house with a 25 year mortgage

Did you know that you can buy a home with $0 down? I did and I almost lost it. After a few months I was in over my head.

As a rule you should aim for no more than a 15 year mortgage and put down at least 25% of the purchase price as a down payment. You can get away with 20% in some cases, other than that you should rent and save until you have enough. When it comes to payments if your mortgage payments are more than 40% of your gross monthly income, you can not afford it. (I would go even lower and limit it to 35%

Step 5

Don’t pay a cent for a year - Furnish your new home on store credit

Those deals seem great at the time and you have every intention of paying off the furniture (couches, TVs, kitchen appliances) before the year is over but sometimes life gets in the way and at the end of it you don’t have enough to pay it all off. Then they get you for the whole amount plus interest (28 % for the whole year. ouch).

That happened to me on my first LCD TV I purchased $1400 turned into $1820 after interest and fees. Save up for these big purchases and pay for them in cash. You would be amazed at the deals you can get just by pulling out a wad of cash and making an offer to pay for the item on the spot.

That is basically how you can a mass a huge amount of debt in a relatively short amount of time. I realize I left out the wedding and the kids but those came after I got my financial act together.

The scary thing is that this is the route that millions of people are taking these days and they are in for a major shock when the debt gets so large that the “consumers” will get “consumed” by the payments until they lose it all or make some major lifestyle changes.

If you are interested in reducing credit card debt, know that there are no instant solutions, no matter what the slick salesman says. If you are in a situation where it is causing you fits, remember that you did not get where you are overnight. Nor will the problem go away as quickly. But it will go away. And the best way to do it is with a debt snowball.

The Illusion

Be careful. Do not fall for come-ons telling you that you can lower your payments overnight. Oh yeah, in a lot of cases you can lower your payments almost immediately, but that is only by raising your overall debt.

It is how debt consolidation loans work. And is usually an illusion to really living debt free. The loan provider, many times a third party to a debt counseling service, provides you with a loan that lowers your monthly payments. You may reason that by doing this they are saving you money, when they are actually costing you more. In order to lower your monthly payments they are combining your debt. Maybe you have three credit cards they combine or a couple of credit cards and a car loan. They combine this debt together and give you a consolidation loan that costs less per month than the total of the combined bills. They are able to do this by extending the term of the debt. You pay less per month, but over a longer period of time. Therefore, these types of debt consolidation loans cost more in the long-term in extended payments and interest.

The Real Way

The real way to reduce your credit card debt is to pay it down with what is called a debt snowball. Do not fall for any other credit card debt solutions. If you are only making minimum payments, you will practically never get financially free. Even paying a little more on your credit cards each month will help you in a big way.

It is not a stretch to find $10 a month out there somewhere that you are spending on non-essential items. Take that $10 a month and add it to your payment each month on the card with the smallest minimum. You will be surprised how fast you can pay off a credit card this way with a debt snowball. It will not be overnight, but once done you never have to worry about it again — unlike a debt consolidation loan.

Now that you have paid off that first credit card, take the monthly payment from it and add it to your next largest card. If your first card was costing you $20 a month minimum, and you added $10 a month to that, you now take that entire $30 a month and apply it to your second credit card. You will probably pay this one off even faster than the first. Now, you are drastically reducing credit card debt with the goal of complete elimination. What a great feeling!

You Have Made That First Step - This is just one step on the way to your goal of living debt free. Spend less than you make and live on a personal budget to round your plan. This simple feat of using a debt snowball is key to permanently reducing credit card debt and, eventually, how to live a financially free life. Take the next step now and make a household budget. David Kimball is an author and speaker providing financial coaching to help you get out of debt in 24 months or less.

Article Source: http://EzineArticles.com/?expert=David_Kimball

Why Reduce Credit Card Balances?

It can be no secret that the interest rates on unsecured credit (i.e. credit cards) is getting out of control. Many companies have raised rates in the last year, and these were not small increases. Many cards doubled or tripled interest rates for consumers. A higher interest rate on an existing balance is not a trivial issue either, and it can turn an affordable monthly payment into a real financial burden.

I am not against credit cards either. I think that having some emergency credit is essential for security in our society. When you need to get your car fixed or visit the dentists, it is very important to make sure you have a way to handle the cost. The problem is not with using a credit card, but in letting the debt run up until it gets to be a burden.

Credit Card Minimum Payments are for Suckers

You know that if you only pay the minimum balance, you risk extending your payoff date into some distant future. You may not be working towards getting your debt paid off at all. Try to pay more than the minimum due. It would be great to add in an extra $100, but if $10 is all you can afford, then add that to the lowest payment your company will accept. Just get in the habit of paying more than the minimum!

Is your account balance still going up every month? You might want to check those extra services your card sold you on. Did you sign up for payment protection or some other type of service? These are very sneaky ways to insure that your card is always getting charged every month. If you really don’t get a benefit from these services, cancel them!

Plan Your Attack

Look at your various credit cards and plan your attack. Credit experts often tell us to knock down the higher balances first. Our credit scores will tend to rise when we are not close to our credit limit. But I find some satisfaction in totally eliminating the lower balances first, and then moving on to the higher ones. You need to come up with a plan that you can stick to. A clean credit cards feels great!

Lower Payments with Low Interest Rate Transfers

If your credit is decent, you can still find offers to transfer your balances. Some offer 0% balance transfers, while others offer the transfers at a very low rate. These offers usually expire after 6 months ot a year, but then it might be time to shop for another offer!

Is it worth it to shop for lower credit card interest rates?

If you have a balance of a few thousand dollars on credit cards, the difference between paying 0%, 8%, or 28% will be substantial. A lower interest rate means more of your payment goes towards paying down the balance, which means your minimum payment will also go down every month.

Besides, as consumers, we need to vote with our pocket books. If our current credit card company wants to be a pig, we need to shop for a leaner lender!

Do you have high credit card debt and interest rates?

We would like to help you find [http://ratesharp.com/credit-cards/transfer-high-credit-card-balances-now/]low interest balance transfers so you can save money and pay off debt!

Also learn how [http://www.badcreditblues.com/credit-news/credit/lower-credit-limits-can-mean-lower-credit-scores/]lower limits lower credit scores and other dirty tricks your lender may be playing on you.

Article Source: [http://EzineArticles.com/?Lower-High-Credit-Card-Balances-Now&id=3518000] Lower High Credit Card Balances Now

Debt Settlement is otherwise known are arbitration process where both the debtors and the creditors negotiate on a common platform to provide an easier and definite way to eliminate debt. This idea has been successful in bringing positive approach among people and has boosted their confidence in the financial system. History has seen many entrepreneurs and businessmen losing their grounds and eventually getting trapped under huge loans. The options of debt settlements are indeed well established and proven; however we should be well aware of the pros and cons of it before going for it.

The advantages of debt settlement are -

The main intention and objective of debt settlements are to reduce the total outstanding balance and allow the customer to return the money with ease. These settlement programs let the customers manage the regular commitments and the repayments easily.
The credit ratings are safe and you need not worry regarding loans in future. Also all your accounts remain untouched and you can continue using them as usual.
The interest rates applied on the remaining amount is quite low, which means you will have to pay the balance amount with easily instalments not really feeling the pressure.
The credit card companies and the banks will have to stop nagging their customers according to the settlement. If you continue paying the negotiated amount in instalments, the banks are not supposed to disturb their customers.
On the contrary, the disadvantages that might surface during these debt settlements are: -

These programs are not easily applicable to all the customers. One needs to meet certain minimum requirements that include the total outstanding amounts and the months for which the payment had been pending. If the total amount is low, there are fewer chances that the negotiation will be good.
There are still chances that your credit ratings get affected due to this negotiation process. There are some terms and conditions in some debt settlements which do not cover all aspects of the unsecured debts.
After you enter into any debt settlement agreement, you should be very careful with the instalment repayments. Every miss in repayment might increase the rate interest and penalties manifold. Also the credit ratings might get influenced by these mistakes.
Overall, there are some disadvantages that are posed by this process, but keeping in mind the positive offerings of these processes, one can definitely take up this chance to eliminate debt.

It would be wise to not go directly to a debt settlement company but rather first visit a debt relief network. The top debt relief networks only allow debt settlement companies into their accredited organizations that prove a track record of successfully negotiating debts and have also been certified. They are free to use and offer helpful debt relief advice. [http://www.freedebtsettlementadvice.com]Free Debt Advice.

Article Source: [http://EzineArticles.com/?How-Debt-Settlements-Work-and-What-Are-the-Pros-and-Cons-Debt-Settlements?&id=3521958] How Debt Settlements Work and What Are the Pros and Cons Debt Settlements?

1. Create a budget - It is very important to know how much money you have coming in every month as well as how much money is going out every month. You can use Microsoft Excel, Quicken, Quick Books or any number of other programs to help you organize your monthly expenses.

2. Organize Your Debts - Whether you are suffering from massive credit card debt, or you are overwhelmed by heavy medical bills, it’s important to remember that you are aware of what your debts are in total. This may seem scary when you see the number, but it will help you know whether or not you need the help of a debt settlement company.

3. Put Away the Plastic - Many Americans have tens of thousands of dollars in credit card debt. If you have a serious credit debt problem, you should put the credit cards away and use cash as often as you can. Eliminating department store credit cards as well as traditional credit cards can help you free yourself from massive debt at the high interest rates that go with it.

4. Invest in Yourself - It may seem difficult, but you have to learn to put money aside for a rainy day (especially since these days, it rains every day). Common wisdom suggests putting aside 10% a month, but if you can’t afford that, put a dollar amount aside. Whether it’s $50 or $5, you need to have something put aside for those months when work is slow or when an unexpected expense occurs.

5. If All Else Fails, Get Professional Help - If your finances are in serious disarray, you may need two types of assistance - personal finance help or debt settlement help. If you aren’t in too much debt, you may be able to just get some help finding ways to cut back. However, if you’re tens of thousands in debt, then you probably need the assistance of some type of debt settlement company who can help you settle your debts for less than you owe.

Most people are afraid to face down their debt because they don’t want to know exactly how bad the situation. However, debt is much like a boogie man, much scarier in your mind than in real life. Organizing your personal finances and getting debt settlement assistance if you need it can help you get debt free
and have long lasting financial certainty in your life.

About The Author

J Chase is a debt settlement professional. He is affiliated with a national debt settlement company which has helped 1000’s of people eliminate their debt effectively. He has extensive knowledge of the internal and national debt settlement programs. For more information visit http://debtsettlerz.com

Article From Article Intelligence

Dave Ramsey’s: The Total Money Makeover: A Proven Plan for Financial Fitness is among the highest rated books online and has earned Dave a huge following.

In true Dave Ramsey fashion you can get the Total Money Make Over book at 34% off the cover price at Amazon.com and is eligible for free shipping. While that is a great deal on a Dave Ramsey book the best deal can be found on Dave Ramsey’s site were you save 40% of the cover price. Dave Ramsey.com

(Click to Enlarge)

*NOTE* You will notice that there is no mortgage listed above. While it is considered a debt, for your own sanity it’s best to concentrate on your smaller consumer debt first.

Getting Organized

Sometimes your credit card statements aren’t up to date, especially if you are continuing to add to them or are making more than one payment per month.

It’s important to call the number either listed on your statement or the back of your card and get the most recent balance.

You can organize your debts however you like, by monthly payments, interest rates or total by creditor. There is really no right or wrong way.

Know Your Numbers

Many people don’t know what their total debt is. Ignorance will almost always lead you deeper into debt. By being conscious of your debt and knowing what you owe you will be in a better position to stop it before it gets out of control.

Your Debt Plan

Now that you know what your total debt is, you can start to develop a plan to get it paid off as soon as possible. After all that is the goal right?

One of the most effective ways to eliminate your debt quickly is by utilizing a debt snowball. You can read more about how to properly use the debt snowball here.

Looking for a Maestro portable GPS unit? Well now is the time to buy at Amazon. You can pick up the latest Maestro model (The 4700 Bluetooth Portable GPS Navigator) for only $230. You are saving more than 20% off the MSRP.

Amazon can’t list this price since it is lower than the MSRP and there hands are basically tied. In addition to saving $70 Amazon will ship it to you for free (if you select the super saver option).

Here are some of the specifics of the Maestro 4700 Bluetooth GPS Navigator:

Ultra-slim GPS device with 4.7-inch color touchscreen

Personalized OneTouch search

Bluetooth capability

QuickSpell with SmartCity search narrows your address and city searches Highway exit points of interest (POI) search lists upcoming gas stations, restaurants, hotels, and more near highway exits

Magellan Maestro 4700 GPS Reviews

Here is what people are saying about the Maestro 4700 GPS navigator. You can read all 39 reviews HERE

“Coming out of the box, this unit worked perfectly without the usual hiccups of other systems. Installation is simple. Powering up is a breeze. The download time for entering starting point to destination is about 45 seconds.

The One Touch screen is on the money. The menu allows for editing for one’s own personal choices. I really have come to like the Predictive Traffic feature. In short, it creates alternate routes for known traffic tie ups.”

James McGyver

“In addition to this Magellan, I also own a Garmin Nuvi (200W series). The Magellan simply is better in every category I can think of. “

dbeofam

Where to Buy the Magellan Maestro 4700 Portable GPS Navigator

Amazon.com of course! You will only find this 20% off deal at Amazon.com . You can order it through the product link below.

That’s why I’m glad that I have my treadmill. I got it a few years ago and it cost me Just under $1000 dollars. It has paid for itself over and over again.

Right now the Merit Fitness 725T treadmill is on sale at Amazon for $399.99 you’re saving $200 plus you can have it shipped for free.

Merit Fitness 725T Treadmill Reviews

While I don’t own this particular brand of Treadmill, I trust the reviews on Amazon. With that said here are some of the latest reviews on the Merit 725T Treadmill. Read all the reviews HERE

“I’ve been in the fitness industry for over 10 years and have always been leary about buying a “cheap” home machine. This treadmill works great for home use. I was thoroughly impressed. I’m 230lbs and I can run on it with no problems! Great machine for the money! ”

E. Rainville

“I would have to say I researched buying a treadmill for some time and came upon this one for many reasons. 1. it was in my price range. I also saved $87 dollars on the shipping. As for shipment , it came fast and was in mint condition. Setup, was easy.

This machine is a sturdy piece of equipment. Doesn’t feel cheap. I will say I wish it would fold up more vertical but with all the features it is more than satisfactory. If your looking for something durable and effective for your exercise needs this will surely be the purchase.”

Hadassah

Where to buy the Merit Fitness 725T Treadmill?

Enter the 32 GB 3rd generation IPOD Touch. This thing can handle a ton of movies and my entire music library with plenty of room to spare. It also comes in 8GB and 64GB models as well but 32GB is perfect for my needs.

Apple is notorious for controlling their inventory and the prices that retailers are able to offer. That being said You can get the 32GB IPOD touch for $279 (saving 5%) and have it shipped for free from Amazon. View all the specs HERE

Apple IPOD 32GB Touch Reviews

I rely on hearing the opinion of others that have purchased and used the product I’m interested in buying before I make the purchase. So here are just a few of the things that others are saying about this IPOD. You can read all the reviews HERE

“For First-Time iPod Touch Buyers: It’s Amazing! - I just bought the 32GB 3rd generation iPod Touch and it’s truly an amazing gadget! I was upgrading myself from a shuffle and was holding out until the 3rd generation of Touches was released.

I need a personal assistant! Enter the iPod Touch! It’s a mini computer that is helping me stay connected to the web via free wifi with an amazing array of productivity and lifestyle apps to make my life better.”

Indiestar

“the ipod touch 3rd generation is definitely the best multi-functional music player in the market”

Ben HT

There are seriously a ton of other reviews that go into much more detail and specs, again you can read them all HERE.

Where to buy the Apple IPOD Touch 32GB?

Going by their sales rank and popularity the clear choice is the Hp Pavilion DV6 series that includes the windows 7 home edition (64 bit high res version) which is one sale right now for $799. You save $100 off the retail price. Buy it here.

Looking for some specs?

How about a 2.2GHz Intel Core2 Duo with 800 mhz front side bus (that’s good).

The speed of your laptop also depends on the amount of memory available for your CPU to utilize. The HP Pavilion DV6 series laptops come with 4GB of DDR3 Ram which is more than enough for anything you throw at it.

With a 320GB hard drive and 4 hours of battery life you shouldn’t have any problems.

HP Pavilion DV6 Reviews

Here are what others are saying about this model in the HP Pavilion series. Read all the reviews HERE

“The specs for this model are set well above what the average home owner needs today which (in my mind) future proofs it nicely. If you are on a tight budget you can get what you need for less (look at the HP Pavilion G60 line). If you have a little bit more to spend and you want some headroom to handle your computing needs for the next few years this is a great choice.”

Dave - A top 500 reviewer

“Ergonomically the keyboard is great. My last laptop was an HP and I am pleased with the reliability. I am really liking Windows 7 in it’s functionality. It starts up almost instantly from sleep mode. This is great laptop at a very good price.”

J. Harris

Where to buy the HP Pavilion DV6 Series Laptops?

Here is a short description:“When the smalltown of Chester’s Mill, Maine, is surrounded by an invisible force field, the people inside must exert themselves to survive.

The situation deteriorates rapidly due to the dome’s ecological effects and the machinations of Big Jim Rennie, an obscenely sanctimonious local politician and drug lord who likes the idea of having an isolated populace to dominate.”

This novel is not a short read coming in at just over 1000 pages, but never the less the demand for this book has driven it to the top of the bestsellers list. Check out some of the reviews here and pick it up for only $9 at Amazon.com

This means no waiting in line at Best Buy or Future Shop for a program that will most likely be sold out on the 22nd anyway. (I’ve had it happen to me before and it sucks).

Amazon’s Release date delivery is not free (the cost is very minimal) unless you are an Amazon prime member. If you can wait a few days and don’t have a major retailer near by I’d suggest using the free super saver shipping option.

As far as the program itself goes, there is way too much info for me to go into detail here. These are just 3 of the new features included with Windows 7:

Windows 7 lets you peek behind open windows to get a quick look at your desktop. Click to enlarge.

Instantly locate and open virtually any file on your PC right from the Start menu with Windows Search. Click to enlarge.

Jump Lists
Open files you use regularly in just two clicks with Jump Lists on the improved taskbar.

Snap
Windows 7 has simple new ways to manage open windows. For example, with Snap you can arrange two windows side-by-side just by dragging them to opposite sides of your screen.

Aero® Peek
Windows 7 lets you peek behind open windows to get a quick look at your desktop.

You can read about all the new features of Windows 7 including screen shots at Windows 7 Home Edition

For that you need to ditch the free blogging sites, own your own domain name and look for some commercial web hosting.

I am a firm believer that you need to spend money to make money and nowhere is that more true than on the internet. Now I’m not talking about spending hundreds of dollars and most commercial web hosting is fairly inexpensive, roughly $5 - $12 a month. Owning your own domain is even cheaper at around $10 per year. (even cheaper if you use a name.com promo code)

The 3 Best Commercial Web Hosting Companies

Here are my top 3 picks for commercial web hosting companies. It should come as no surprise that these are also some of the most popular hosting companies on the market today.

1. Hostgator.com

For less than $8 a month you get unlimited disk space, unlimited bandwidth, and the ablility to host unlimited domains. You get a ton of software and support included in this plan and if the time comes you can also upgrade to their dedicated hosting service.

2. Powweb.com

This was that first company I dealt with when I started 3 years ago and they are great. Your first year is $60 including a free domain and 300 GB on disk space (I never even came close to using it all). Powweb also has really good 24 hour support via chat and a great forum with very knowledgeable members. You can pay by paypal too.

3. Godaddy.com

Godaddy’s deluxe plan is more than enough for what most bloggers and internet marketers need. They have all the bell’s and whistles as the other guys but have more free ad on applications. The deluxe plan starts at 6.99 a month, the price decreases the longer you sign up for.

So if you are currently blogging on a free hosted site either (wordpress or blogspot) consider switching to a commercial web host and you’ll be in a better position to start profiting from your site.

The new innovation of the wii is the development of the wii motion plus. This add on trackers the players movements more accurately and with better detail. The only downside is that each wii remote that you are using for the wii sports resort games requires the use of the motionplus sensors.

Wii sports resorts has one motionplus sensor included with the game and additional sensors are not that expensive only about $19.99 for each additional one
. It seems that this is the wii of the future. More and more games are being developed with the motion plus sensors in mind. Here is a list of all the wii games compatible with the wii motion plus sensor. compatible games.

Right now the wii sports resort game is on sale for only $44 and you can get it shipped for free. Check out the product description in greater detail here. This game is currently has a 4.5 star rating, Check here for the sports resorts current rating.

Check out the wii sports resort trailer

Buy it now and save 11% plus get free shipping.

You can get the watchmen bluray dvd for only $21.49 and that includes an Amazon Digital copy available for viewing right now, plus once the DVD arrives it comes with a digital copy so you can load it onto your PC or ipod video player.

The reviews have been mixed on the directors cut of the movie so far but hey there is an extra 25 mins of bonus footage, that’s something right?

Read the reviews here or to purchase and checkout some of the features including the latest trailers click here
.

It’s obviously a marketing tactic designed to make you go out and purchase a new SD card. One that can hold a ton of pictures and video. Until recently these SD cards were very expensive. A typical 1GB card would cost you $50 or more in some cases. I know as I bought a 2GB card for $60 when they first came out.

Now you can get an 8Gb card for under $20 on sale at Amazon
. You save 50% off the regular price.

This is no piece of crap SD carp either. Transcend is a reputable manufacture in the memory market and their quality speaks for it’s self. I’m no the only one that thinks so either. Check out just one of more than 900 reviews for this exact 8gb SD card.

“I recently bought this 8GB SDHC card for my Canon SD1000 camera. The card works very well and I’ve had no problems with it so far. If you’re in the market for an affordable high quality SDHC card, this may be the one for you” - D. Truong

This gets a 4.5 star rating, they don’t get much more reliable than that. Check out the rest of the reviews here

8gb-sd-card

I have created a new account @Debtslaying specifically for sharing all the deals, coupons, savings and great websites that I find with all of you. There are honestly too many finds to post here and on my other sites.

Deals that are either very time sensitive or I just can’t write 400-500 words about. Those work best in a 140 character tweet.

As you can see comments are closed on this blog but you will be able to contact me through @Debtslaying I don’t use any bots or auto posting programs everything comes from me and I respond to every DM.

If something I tweet about saves you money I would appreciate a re-tweet if possible. That is about it. I’m looking forward to interacting with everyone.

Oh and Debtslaying.com will be going under some minor changes as I’m looking for a new theme and logo. If you have any suggestions or ideas let me know @Debtslaying

I was surprised to learn that in the US some states don’t offer lump sum payouts on lottery winnings rather opting to go with a large one time payout. I guess it comes as no surprise that this opened the door for investment companies to come up with their own programs for capitalizing on lump sum lottery winnings and taking a chunk of the cash as profit.

With in our groups discussion we had a few questions about how the lump sum payouts actually work. I thought that I’d do a little research and find the answers myself. Below are the answers to our 5 questions about lump sum lottery winnings.

1. How much of the money do we get to keep, assuming a $1,000,000 winning?

Answer: I went online to get a quote from one of these investment companies and got a response back in 5 minutes, they really wanted my money. After a few questions they came back with the quote of roughly a 20% fee. That seems a bit high but I guess it is reasonable if they are forking out $800,000 cash. This is negotiable though as the lottery winners we are in control, there are many companies that what this kind of business.

2. Do we have to sell the whole amount all at once?

Answer: No, we can split up the lottery winnings payouts however we like. So we could sell 50% of the annual payments and still receive a large sum of the lottery winnings plus get monthly payments. The payment splits are really up to you and the investment people they seem to be pretty flexible.

3. What kind of fees hidden or otherwise are we going to have to pay?

Answer: Apparently none. The lender is responsible for dealing with the court fees and paperwork nothing else out of pocket for us. Sweet.

4. Can’t we just go to the bank and sell it to them?

Answer: Nope. They don’t do structured settlement payments. At least not at my bank, and my bank rep said most other banks won’t either as it is not a simple transaction. She also recommended that we get our own lawyer to go over the paperwork before signing anything. Smart lady, that’s why my money is with you

5. What lottery#’s are we going to play to win all this money?

Answer: Quick picks, keeping track of everyones personal picks is a pain and so many people use the same low numbers (birthdays, anniversaries etc…) that you end up with a ton of duplicate numbers. Save your birthdays for your own personal tickets and keep them out of the group numbers.

There you have if folks, the low down on lump sum lottery winnings. I seriously hope you have to reference this info once you win the lottery, just not on the same draw as me

Keep in mind that this is a work in progress and is about 2 days old. I’m not sure how in depth I am going to go with it, I might start posting the coupons as I find them but that can be time consuming. There are a ton of sites already doing that and some of them are really good at it.

Anyway have a look at it, it’s my first attempt at a stand alone single page site. You can see it here at: Huggies Diaper Coupons

There is another site dedicated to finding Pampers which can be found at Pampers Diapers Coupons

The picture quality was good and the sound was ok, I never really thought about picking up HDMI cables (at the retail price) as many people had told me that it would make that much of a difference. Well that is total BS. If you have an HDTV you need to get yourself some HDMI cables. (avoid monster cables, I don’t think they are worth the money). I picked up one HDMI cable for the cable box to the TV and the difference was very noticeable. I felt that the picture quality was cleaned up and the audio was so much better.

I need a second cable to hook up my home theater so I’ve been looking for an inexpensive HDMI cable on sale and for the most part they really don’t go on sale.

I found these cables at Amazon for 80% off so you can get an 8ft HDMI cable for only $9.95 (that is crazy). You’re saving $40. I know what you are thinking. They must be crappy quality and rated poorly. Wrong, they have a 5 star rating.

Take a look at the first review and you will be sold on these HDMI cables.

HDMI Cables on Sale

Eventually I narrowed it down to the T200 and the T220 models. After a fews weeks the T220 went on sale and I got a great deal on it.

This morning I saw that Samsung has a $50 rebate offer exclusive to Amazon
.com when you purchase the Samsung T200HD widescreen monitor. This is a limited time offer and the rebate expires fairly soon.

The T200HD is listed at $399 but Amazon
is really trying to push this rebate so they are taking an additional 39% off - That’s a $154 savings. By using the $50 mail in rebate your total cost will be $194.99

You’re saving $205 (almost 50% off).

Seriously I have checked about a dozen other sites to see if they can beat this deal and none even come close. Amazon
has the best price by far. Plus you get it shipped for free!

Features of The Samsung T200HD LCD Monitor

Response time: 5 milliseconds
Screen size: 20 inches
Resolution: 1680 x 1050 pixels
Read the Full Specs List

Samsung T200HD Sale

Follow me on Twitter for more great deals
Steve_WLW

I get great deals everyday and save 30% to 75% off of items that you would normally save up and buy at a retail store.

I’m not going to make this a long post and I’ll cut right to the point. I use Lightning Deals from Amazon.com.

What is a lightning deal you ask?

Simply put a lightning deal is a special discount that is offered by Amazon on different items through out the day. There is a small window that they are offered for which is usually 2 hours long. Most deals are never available for the full time because there is only a very limited number of discounts available for each lightning deal. Once they’re gone that’s it.

Click Here to do go the Lightning Deal Page

Lightning Deals

Take a look at the screen shot above and you’ll get a better understanding of the process.

Once the discount goes live and there are still coupons left to be claimed you simply click on the add to cart button and you are taken to the purchase page for that item. The discount is taken off when you checkout.

Honestly I’ve saved a lot of money using the lightning deals. The key is timing and checking back often. You can also sign up for their email alerts (they are a little delayed though).

So that’s it, there you have it, just one of the many ways that I find deals online.