Suppose you have an important errand in Europe and you are from a place where pronunciation is like the Norwegian woods, you might end up getting into quite a bit of a trouble. But at the advent of such things, you are such in the mouth end of a crisis. This crunch can easily be avoided. Firstly, in order to speak well, you have to be sure of what you want to say and what you are going to say. Your confidence makes out the difference between an orator that moves the public, and an orator who get pulled down by the public. The first step to improving your English speaking is simply just stepping out of your house and getting to know new people who speak English, or meet up with your friends and family who speak English, either way, you have to socialize first. With the world becoming a global village, every place is becoming a multicultural backdrop. The good thing about the multi cultural society is that, they will never shunt you for your flaws as they are well aware that everyone is flawed and they themselves have probably faced the problems of coping up with the regional dialect. They will have the understanding that you would require because they were probably misunderstood earlier in their lives when they wanted to improve their English speaking.The next step that can be undertaken is that you can find a small conversation group, a small group of people who’ll just gather around regularly and chit chat. Many local people may have multi cultural backgrounds that can be founding blocks of learning centers. Under any circumstances however, reading writing and speaking if a very very important three role step. The key to proper pronouncing is confidence in your own self. You need to have a backbone and say whatever it is that you want to express to the community. You should try not to use too long sentences or complicated words as that is not really the mark of a good orator. Your main objective should be explaining your motives to the other people. If you use big long and complicated words, chances are that the listener will get bored and will not even care to comprehend what your underlying point is. You should make it a noteworthy point to learn new words. Increasing your vocabulary goes a long way in improving your English speaking but if you go too technical with the words, people might get the wrong impression of you being an arrogant jerk, and that is the last thing that you want. Only through mistakes can one truly learn and it is the same in this case. Your sentences you throw at the listener should be short simple and sweet. Short sentences are usually more effective than long ones. If you are a fan of music, LISTEN to English songs. Watch English movies. Buys CD’s that help you pronounce properly. It would need some hard work but you can improve your English speaking in a short period of time.
You never know when and who would need help from a credit card debt consolidation program. Sometimes unexpected circumstances can lead to financial difficulties which in turn would lead you to consider consolidating your debts. Some of these circumstances are loss of job, loss in business, death of an earning member and so on. If you are finding it hard to pay off your credit card loans, then it is wise to consider consolidating your debt. This is much better than bankruptcy. This article will help you with steps in finding the right program, make you aware of the advantages and disadvantages of these programs so you can decide whether consolidating your credit card loan is the best option for you or not.Basics of Debt ConsolidationDebt Consolidation is a big loan that will pay off your credit card loans. There are several ways these programs work. The most popular way is to take one lump sum amount of money from you (the borrower) and distribute it to your credit card companies (the lenders). All your loans will be consolidated into one payment usually withdrawn directly from your bank on a fixed date every month. These programs make the card holders life easier.As a general rule, if you have many credit cards from different companies with high interest rates, then debt consolidation can help you manage your debt with only one bill and much lower APRs. These companies negotiate a lower interest rate for you and this can save a lot of money in the long run. This will work out in your favor if you have credit cards with APRs of around 30% because these programs can reduce these interest rates to between 12% – 18%. These programs require a monthly administration fees, which is usually around and this will come off your savings. Remember if the admin fee does not come off your savings, then it is not a good idea to sign up for a debt consolidation program.So it looks like everything about the credit card debt consolidation is positive. Well, it is not always the case. There are a few advantages and also disadvantages of these programs. You have to find a balance between them. The fact is that these programs do help you in paying off your credit card loan. Here are some advantages and disadvantages of these programs.Advantages1. Decreased payment amounts: The monthly payments will be less than what you were paying before debt consolidation because you are paying off the loan over a longer duration.2. Simpler to manage: After you signup for a program, you will have a relief from reading your credit card statements, deciding how much to pay for each credit card and then making the payments one by one. Usually, the company will withdraw the money directly from the bank and you will not have to be concerned about late payments.3. Decreased interest rates: This is one of the major advantages for many credit card owners. Some of these companies bring down the interest rates much lower than the current ones. This can save lots of money for you.4. Debt Management tips: Many of the good companies give lots of free tips on managing your debt. They draw out a plan on debt management. These tips are invaluable. They even mail out booklets on debt management.Disadvantages1. Lower FICO scores: Many experts debate that debt consolidation does not have any effect on credit (FICO) scores the fact is that this has a negative effect on the credit scores. Enrolling in such programs will always be reflected in your credit history. Most credit repair companies mention that it is difficult to increase your credit score if you are currently working with a debt consolidation program. Your credit scores can be raised after you have paid off the loans and are not currently enrolled in any of these programs. Even if you can remove one credit card from the program that can help you increase your credit scores.2. Higher Payment: Since your payments are made over a longer duration of time i.e. in more number of the years, then you will end up paying more in the long run. One way to prevent this is – if your financial situation has improved, then you can pay off larger sum of money. Most of times there will be no penalty for paying off the debt sooner than the agreed number of months. Before enrolling in a credit card debt consolidation program, you can confirm if there is a penalty or not for paying off the debt sooner than the agreed number of months.3. Credit cards inactivation: If a credit card payment is enrolled in such a program, then that particular card account will be inactivated. i.e., that credit card can no longer be used.4. Negative Impact on Future Loans: Once you have enrolled in a credit card debt consolidation program, this will remain in your credit history. So, all future loan requests new credit card applications, home loan, car (automobile) loans etc. will involve references to your debt consolidation. i.e., the lender will have knowledge about your participation in debt consolidation program. Some people are very uncomfortable about this but it is up to you decide. Your credit history is a private record and will be provided by credit score companies only on a need-to-know basis. If you apply for home loan, then the chances of getting rejected is higher and if you get accepted, then mortgage broker will ask for explanation. Again all these conversations are kept confidential.So, the question is – when should you consider a credit card debt consolidation? If you are paying high interest rates around 30% on a credit card, you have many credit cards, you are unable to make payments or your are barely able to make just the minimum monthly payments, you are finding it difficult to manage all the payments etc., you must consider signing up for a credit card debt consolidation program. After reading through the advantages and disadvantages mentioned earlier, make decision about signing up or not signing up for such a program.How to find a good debt consolidation program / company?Signing up with the right debt consolidation program is critical for saving money and successfully consolidating your debt. There are a good number of scams in this business so it is in your best interest to proceed cautiously to prevent being victim of a scam. Here are some very good sources of finding the right program.1. References from friends and relatives: It is best to ask your trusted friends if they have any recommendations for reliable program i.e., if they have enrolled in one of these or know of anyone who enrolled in one and is satisfied. As mentioned before, there are many scams and so with this option, you can feel safe. This should be your first option.2. Television advertisements: Most of big and established companies run advertisements on TV. These are companies that have a lot of experience and have been successful with debt consolidation. But it is a wise thing to research the company. Look for their website and check for their standing in Better Business Bureau (BBB) and must have been in existence for a few years. Also, search ripoffreport.com website for this company – this website where victims of scams post their experiences.3. Mails: When you are unable to payoff debt on time, you will receive mails from some companies that will offer help with consolidating your credit card debt. These companies have permission to access some of your basic information. The good thing here is that your fit their profile of their clients and that is why you received a mail with their credit card debt consolidation services. As mentioned earlier, research these companies using the same methods described above.4. Telemarketing phone calls: Typically, telemarketing phone calls that you get is because your debt situation is such that it fits the requirement of their clients. If you receive a phone call, remember to never enroll in the first phone call. Note down all the details of this company such as the websites, contact person and phone number to call. Research the company extensively as mentioned above.5. Online Research: Research the internet for good credit card debt consolidation companies both non-profit and profit companies. Once you create a list of possible companies, research the companies extensively. Talk to these companies until you are comfortable about enrolling with them.For a few months or years, if you can handle the disadvantages of these programs, then enroll in a program. Credit card debt consolidation can get you out of your current debt problems and save you a lot of money by lowering your interest rates but if you do not spend judiciously, then you will be back into the same debt problems and this cycle will never end. So the long term solution to debt problems is to change your spending habits and live slightly below your means. Remember you need to manage the money / debt and NOT let the money / debt manage you.