Guest post written by Sidney Owens

When my son and I moved into this new house a few months back I knew I had to do something to make him feel more at home. He was really missing his friends back in Akron and because of my new job he was home a lot by himself after school but I didn’t really have a choice. I went to go online and look up Satellite TV Specials and found a good satellite plan for us and my son’s been having a ball watching movies on TV before I get home. He’s always said he wanted to do something with film and I think he’d be great at it so it’s nice to see him spending his time studying some of the great old classics. I know he gets a kick out of it and it’s better than him being out and about running amok in the neighborhood so it’s fine by me! He seems to be getting used to it here and hopefully it won’t be long before he totally feels at home in our new place. I know I’m starting to!

If you are thinking about making money online as part of your New Year resolution be sure to check out the free Kindle eBook – eBay 101: Selling on eBay For Part-time or Full-time Income, Beginner to PowerSeller in 90 Days [Kindle Edition]

For those of you that don’t have a Kindle, you can always d/l the Kindle App and read it on any iOS, Android or just on your computer (definitely one thing I like about purchasing Kindle books).

I was quite shocked the other day to visit Adgitize forum only to see an announcement regarding Adgitize to close at the end of January 2012 (For those of you not familiar with the service, you can read my thoughts on it here).  The thought of Adigitize closing crossed my mind earlier this year when CMFAds closed down earlier this year but I sincerely hoped that it would find a way to keep the site up and running.  Building a blog network is extremely hard especially in a time where all the conversations have moved to social media sites like Twitter and Facebook.

Thanks to the site owner, Ken Brown, for the wonderful service the site provided over the past 3 years.  While I haven’t been visiting the site much in the last couple months because of my new job, I will miss the site and the professionalism that Ken exhibited for his customers.

Once you have incurred debt, you will realize that it is indeed something that is best kept at bay. However, your spending habits will seldom let you do so. One of the main culprits for you falling in debt is those pieces of plastic in your wallet, also known as credit cards. Credit cards are a way to buy items on credit without giving the money then and there. However, what most people tend to forget is that, just because you are not paying the money then doesn’t mean you don’t have to pay the money at all. You actually get a time span of one month which is the billing cycle of all credit cards to pay back the amount you have spent on credit, failing which interest rate shall be charged on your debt. Thus, you need the help of credit consolidation. In most cases you are unable to pay back the bill within time as the amount you have spent is much more than the amount you can afford to pay back.

As time keep increasing your debt amount also keeps increasing as interest rate charges keep getting added to the principal amount. In such a situation credit consolidation is your best way out of trouble. Credit consolidation is a process in which your multiple credit card bills are merged into a single one and the interest rate on them is also reduced. Usually you can get credit consolidation done with the help of professional company with the help of a credit consolidation program. If you don’t want to seek professional help you can also do credit consolidation on your own. Here are two ways in which you can achieve credit consolidation.

• Consolidation loan – You can take consolidation loan in order to consolidate your multiple debts. A consolidation loan is in most of the cases a secured loan which is why it has a low interest rate. This means that you keep any of your assets as security against which you are taking out a loan. Failure to pay back this loan would result in the asset getting confiscated in order to pay for the loan amount. Usually the most common asset against which a consolidation loan is taken is property and is known as home equity loan.

• Balance transfer method – Another way you can consolidate your credit card debts is by balance transfer method. In this method, you can transfer the balances in your high interest rate card to a low interest one. In this way you are able to merge your multiple credit card debts into a single one and also get a low interest on them.

Thus you can see how you can consolidate your debts on your own and make the pay back process much easier.

Amazon is currently offering 160 GB PlayStation 3 Harry Potter Bundle for $249.99 with a $50 Amazon credit back!  This effectively bring the cost of the console down to $199.99!

If you are thinking about getting a console, this is a great deal!

Posted by Gaylord Campbell

My friends and I always play a game where we try to describe and guess which celebrity someone is talking about. Someone will tell a story about a celebrity and the rest of us have to decide if it is true or false. We use the internet providers Arkansas a lot of times to double check people’s stories when we do not believe them. We definitely IMDB a good bit to check people’s stories about different actors and actresses. Last week when we were playing and my friend told a story about Bradley Cooper that none of us believed. It was so outlandish, but whether we believed it or not, we found proof of it on IMDB and some other site. That was not the first time a story none of us believed turned out to be true. That game turns into a lot of fun since my friends really make an effort to keep up with what goes on with celebrities. I have never been all that great at it since I do not pay too much attention, but it is definitely entertaining anyway.

As an individual that travels quite a bit for my everyday job these days, identity theft and how it impacts my credit score is constantly on the back of my mind. For those of you not aware of the impact of credit score, it impacts your borrowing cost for everything from a car loan and mortgage. As a mean to be cautious, I tend to limit the usage of my card by paying cash for my meals if I can help it.
However, even though you might be cautious people with malicious intent can still steal your identity and ruin your credit score. As a result, it is important to keep an eye on your credit score on a regular basis just to make sure nothing is out ordinary. One way to keep track of your credit score is to monitor your credit score with websites that offer free credit score. Your credit score is based on three credit bureaus and each one uses a different formula to evaluate your score. As for me, I am currently getting a refinance on my house, I just paid for my credit score evaluation but if you are looking to check your credit score on a annual basis be sure to check out FreeScore!

On a side note, it is now a good time to refinance your mortgage!