Credit Card Bankruptcy Tips – Legally Settle Bad Credit Debt Without Bankruptcy – Part 2

Whenever a person gets buried in huge burden of unsecured loans, he always wants to get rid as soon as early and the people who have less control on their nerves simply choose the option of bankruptcy. This is not a good option ever but the people who have courage and patience to look upon matters and settle them always search for some better option other than bankruptcy. This topic will guide you about the alternatives of bankruptcy.

There is no problem in this world having no solution all you have to do is to find out some legal way get out of the particular situation. Along with other options, there are two main methods used to settle bad credit debts legally. One is debt consolidation and other is debt settlement. Those people who have very bad financial conditions and they are not able to pay back huge amounts must go for the option of the debt settlement program. This program offers them to pay even half of their actual amount in easy installments or in a lump sum according to their financial conditions. In the debt settlement relief program, you will have to hire some experienced and professional debt settlement company who will look upon your financial conditions thoroughly and will discuss all possible affordable plans with you. Later on, they will negotiate with your creditor on your behalf for the reduction in actual amount and it’s not difficult for any professional company to get up to 50 to 70% relief in your actual pending amount. It is very reasonable amount and you will be legally able to settle everything without going for bankruptcy and losing your credit score.

Other solution for legally settling your debts is the Debt Consolidation method. In simple language, this method means to take some bigger loan and pay back all small loans and free your mind form the tension of paying other loans. In this type of loan, you will have to mortgage some of your assets like home or car depending upon your pending amount. As you are offering your valuable assets as mortgage, creditors feel safe and offer you less interest rate and you can take advantage of it. These loans are normally long period loans like 10 years or more so the installment gets affordable when you increase the period of paying back the loan. But the only drawback of the settlement deal is that credit companies are strict in monthly installments. They will break up their agreement if you are often late in submitting installments. So be careful in such settlements.

How Could Such a Simple Part Make Such a Huge Difference in the Performance of Your Car?

aFe Power’s high performance products are the only filters in the auto parts world that use what’s called progressively finer mesh. The holes in the mesh, which is what filters the air before it goes to your engine, get smaller and smaller, as you work through the layers of mesh. Each layer of mesh will filter out the smaller particles that slipped through the previous outer layers. That means your filter doesn’t easily get clogged and lots of air reaches your engine, no matter how much dust, dirt and sand particles are left on the filter. And you know that means more horsepower for you!

How Your Car’s Air Filter Works

Perhaps you can compare your car’s filter to the air filter on an Air Conditioning unit. You’ve opened your AC closet and seen the dirty mess that accumulates on the filter. It happens in no time, especially in sandy areas like beach side homes. Don’t own any oceanfront property? The same principle applies to your vacuum cleaner. There’s a filter there, too. After just one swipe over your carpets, take a look and you’ll want to clean it out immediately. Imagine your vacuum attempting to pull air through that filter that’s clogged with hair and dust. You know it’ll work better if you have a clean filter. Same with your AC, and same with your car.

When your car’s air filter is clogged, less air is able to flow through. Know where that air is trying to go? To your engine. So, when you’re driving around with a clogged filter, you are basically restricting air to your engine. The result is reduced power, reduced mileage. Your engine is forced to work harder, with less air, so your gas efficiency plummets.

How High Performance Air Filters Work

With high performance air filters, we take that concept one step further. aFe Power’s High Performance Filters allow even more air to reach your engine because they allow more air through. More air reaching the engine means that your engine will have LOTS of power. You and your engine will love the extra power.

aFe Power, like all other performance air filters, allow more air but if you don’t choose a quality brand of high performance air filters like aFe Power, you will also be letting more dust reach your engine. aFe Power products always keep emissions in mind. Their filters are rated high performance but they are still “street legal”. That means the filter does not affect the emission controls or the intake tract.

aFe Power Makes More than Filters

Your air filter is only part of the entire intake system of your car. aFe Power manufactures everything from fluid filters to high performance cold air intakes. Here’s a list of the products:

  • high performance air filters
  • high performance cold air intakes
  • fluid filters
  • exhaust systems
  • intake manifolds
  • intercoolers
  • turbochargers
  • programmers
  • differential covers
  • transmissions pans & throttle body spacers
  • custom wheels
  • discount tires
  • lift kits
  • level kits

Insider Tips (legally)

In the deep and hidden places with God He has hidden for us many wonderful things, things we truly have a hard time imagining. He prepared them, made and keeps ready for us-those of us who love Him, those of us who treasure Him, those of us who hold Him in esteem, those of us who have learned to obey Him and who can recognize that these gifts and benefits come from Him.

Have you ever known or heard of someone who came into wealth rather quickly and instead of being grateful and sharing their wonderful new found fortune, they became greedy, haughty and no longer would associate with those below them. “Pride cometh before a fall” is in the book of Proverbs and these people usually fall from their high place. Or maybe you’ve known someone who got a promotion before you did and suddenly they were so much better than you that they no longer “knew” who you were. Maybe the very thing that got them their promotion was suddenly lost. This can happen anywhere…in the business world, in the political realm, in your neighborhood, or even in church. It even happens in school all the time, like with PTA and volunteers, those who seem to be doing better financially will rarely associate with someone who seems of lesser finances. It is so odd…do we think our bank account amount is what gives us our worth? God says He hates this.

In Proverbs 6:16-19, God tells what He hates, He lists seven things: “These six things the Lord hates, indeed, seven are an abomination to Him: a proud look (the spirit that makes one overestimate himself and underestimate others), a lying tongue, and hands that shed innocent blood, a heart that manufactures wicked thoughts and plans, feet that are swift in running to evil, a false witness who breathes out lies (even under oath), and he who sows discord among his brethren.” God hates it when someone thinks they are better than someone else. So before we can go on to be truly blessed of the Lord, walk in His blessing, be blessed beyond our wildest dreams, have enough money to fund the end time harvest and really be a substantial help to the kingdom of God and also let the world see that God loves to lavish on His children, there are a few things we need to learn. In our quiet time spent with the Lord, He wants to teach us that ALL good things come from Him. We must learn that we can’t take credit for ANYTHING. We make a good decision and everything turns out great. Should we pat ourselves on the back, NO! We can’t take credit for that, inside us resides the Spirit of God who leads and guides in all truth.

God is called the Wisdom of the ages and so also that is the Spirit that resides in us. He gives us the wisdom to make a wise decision. Since He is in us it will come as a natural thought and we’ll think it is our own, but it is His thought to help us out. The Holy Spirit that lives in us is known as our helper, our standby, our intercessor. By Him we know all things (1 John 2: ). This is not to give us the big head and make us arrogant, but it is for us to be able to accomplish on this earth what God, the Father, the Creator of this universe, wants accomplished. And the only way we will know what He wants accomplished is by spending time with Him. That is done both in reading His Word, the Bible, and in spending quiet time with Him in prayer. Not a time where we do all the talking, but a time when we may talk, bring requests to Him, ask Him questions about things and ask Him for help, but also where we sit quietly and let Him bring to our mind and spirit His thoughts, desires, plans, and dreams. He wants to be one with us. We are here in human form, He is in us in Spirit form…we work together to get His plan done on this earth. We let Him tell us what He wants done and how and we yield our bodies for Him to use to get it done.

People with a “take charge” attitude have such a hard time with this because they want to up and run with something before they get the entire plan. They sometimes get an idea and half prepared think they know how it must be done. Then if they fail they don’t understand why. And they totally don’t understand a person who gets the idea and plan from God but who doesn’t up and run with it. In my case God many times gives me His plan, His idea and then I have to “sit on it” so to speak. I have to take the time to ponder it, pray over it, and listen for each step He tells me to do and then I hear in my spirit: “Okay, now go do it.” And then it gets done. I don’t ever have to worry if I’m waiting too long to do something because when He’s ready and He has all the things lined up for it to be done, He just tells me. And all along the way as He is doing His part in getting things lined up He will tell me my step. If it is time for me to call someone, He’ll tell me who to call. If He tells me to find something, He’ll tell me where to look. I love it. It so takes the weight and responsibility off me. All I have to do is listen. He’s in charge and it is His plan, so He knows how to get it done and all I have to do is my part and He even tells me what my part is!! How wonderful is that! What a great Father! Now even if I decide to be one of those people that runs with something thinking I know how to do it all, He’ll even let me fall on my face and fail; He did give us a free will. And in that free will we get to choose failure or success. So when we come back to the place that we say: “Okay, God, I didn’t wait for you to give me the whole plan and strategy. I repent, tell me what to do”, do you know He will even let you start over. What a God, His trust in us is unfathomable.

1 Corinthians 2:5-13: “That your faith might not rest in the wisdom of men, but in the power of God. Yet when we are among the full-grown (spiritually mature Christians who are ripe in understanding), we do impart a (higher) wisdom (the knowledge of the divine plan previously hidden); but it is indeed not a wisdom of this present age or of this world nor of the leaders and rulers of this age, who are being brought to nothing and are doomed to pass away. But rather what we are setting forth is a wisdom of God once hidden (from the human understanding) and now revealed to us by God–(that wisdom) which God devised and decreed before the ages for our glorification (to lift us into the glory of His presence). But, on the contrary, as the Scripture says, What (natural) eye has not seen and (natural) ear has not heard and has not entered into the heart of man, (all that) God has prepared (made and keeps ready) for those who love Him (who hold Him in affectionate reverence, promptly obeying Him and gratefully recognizing the benefits He has bestowed). Yet to us God has unveiled and revealed them by and through His Spirit, for the (Holy) Spirit searches diligently, exploring and examining everything, even sounding the profound and bottomless things of God (the divine counsels and things hidden and beyond man’s scrutiny).

For what person perceives (knows and understands) what passes through a man’s thoughts except the man’s own spirit within him? Just so no one discerns (comes to know and comprehend) the thoughts of God except the Spirit of God. Now we have not received the spirit (that belongs to) the world, but the (Holy) Spirit Who is from God, (given to us) that we might realize and comprehend and appreciate the gifts (of divine favor and blessing so freely and lavishly) bestowed on us by God. And we are setting these truths forth in words not taught by human wisdom but taught by the (Holy) Spirit, combining and interpreting spiritual truths with spiritual language (to those who posses the Holy Spirit).

Chemical Free Skin Care: Check The Ingredients List

The number of chemical free skin care products on the market has been increasing. The concept of natural skin care, which has been introduced to help you in yielding the maximum benefit of the healing touch of nature, has been around for many years. Yes, over the last decade an array of skin care products have been introduced with the ‘natural’ or ‘organic’ tags. However, just because the product has been labeled as natural it doesn’t necessarily make it hundred percent natural and safe for the skin. To be honest, there is hardly any legal definition for the term natural or organic in the ever evolving cosmetic industry and the only way to know that the product you are using is 100 percent natural is by reading the ingredients list well.

Check the so called chemical free skin care cream that is sitting on your shelf. Scan the label well and if you find an ingredient name that is pretty long or is too hard to pronounce then chances are that the innocent jar of hope contains harmful chemicals.

So, how do you know that the skin care products you are using are chemical free?

Simply check the ingredients list and remember any skin beauty cream or lotion that have the chemical ingredients such as methyl parabens, petroleum, alcohol, fragrance or any word ending in “paraben” and “paraffin” are unsafe to use. Yes, these are some of the most reckoned harsh chemicals to cause all sorts of skin rashes and irritations.

Look for only 100 percent natural ingredients in your skin beauty products to bring back the lost luster in your skin. Remember, whatever you put on your skin is as important as what you put in your body hence it is time to select natural skin beauty products that come with the natural healing ingredients such as 100 raw natural vitamin, organic mineral, natural oil, omega 6 fatty acids and natural antioxidants to help your skin gain back its soft and elastic structure.

Stop getting carried away by those hyped print ads and commercials. Honestly, anyone can buy advertisement space and good packaging and smart ads doesn’t necessarily make the product great. Bank on your common sense to make an informed decision and don’t buy just any off the shelf product, instead check well the ingredient list and look for ingredients in their raw form to make the maximum difference to your skin’s look, feel and appearance.

Why natural skin care?

Will you ever wash your face with a ground cleaner? Would you ever drink washing detergent? Or inhale your engine degreaser? The answers are definitely a big and resounding no. Still, almost each day you drink, ingest and inhale chemicals by feeding your skin with harsh and synthetic chemicals and toxins in the form of so called anti-aging cream, serums, lotions and much more.

Consider the following points when choosing chemical free skin care products.

Your skin absorbs toxins: Your skin pass toxins out of your body, in the form of sweat, but do you know that your skin absorbs toxin as well? Yes, your skin acts more like a sponge than a barrier and absorbs almost 60 percent of the product you put on.

Chemicals in your so called anti-aging creams can cause premature aging: Mineral oils for instance, are typically known for coating the skin, for clogging the pores and also for preventing the release of toxins. Yes, they are also known for reducing the natural functions of the skin cells, which further contributes to premature aging.