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Shopping Around For A Personal Debt Consolidation Loan: How To Avoid A Scam And Find A Good One
Posted by nick_niesen on October 29th Bradley Beal Big Tall Jersey , 2010


If you are like many people living today, you may have found yourself being forced to deal with ever increasing debt. You may feel that your debt has become completely out of control. You may be seeking solutions through which you can restore some order to your finances and lower and control your debt. One option that you may want to consider is a personal debt consolidation loan.

Through this article you will be provided with an overview of how you can best shop around for a personal debt consolidation loan. Specifically, this article will provide you some guidance about how you can go about avoiding a personal debt consolidation loan scam.

Major Personal Debt Consolidation Loan Scams

There are two general types of a personal debt consolidation loan scams that are being pursued by unscrupulous people in the world today. It is important that you have a general concept of these two major types of personal debt consolidation loan scams so that you can be on the alert for these situations.

The first major type of personal debt consolidation loan scam involves what might be called a complete and utter sham. In this case, advertisements are placed or sent to consumers (oftentimes via email) promoting a low cost personal debt consolidation loan. The advertisement or email includes a link that purports to be to the lender s website. (Oftentimes John Wall Big Tall Jersey , a well known lender or lending company is named in the ad -- a lending company that you more naturally would trust.)

If you click onto the link, you actually end up at a fake lending website, a sham website. If you continue to follow the process and input your personal and financial information at the website, you will have found yourself the victim of identity theft.  

The second major type of personal debt consolidation loan scam does not involve identity theft as such. Rather Wes Unseld City Edition Jersey , you are once again drawn into a fake lending website. In this type of scam, you are asked to pay some sort of processing or application fee up front. In the end, there really is no lender and the fake lender actually takes your money and runs.

Other Personal Debt Consolidation Loan Scams

There are other personal debt consolidation loan scams that actually are perpetrated by lending institutions -- albeit not particularly reliable or reputable personal debt consolidation loan lenders. In these situations, a consumer is drawn to a personal debt consolidation loan lender because of promises of low interest rates and similar savings. In reality Michael Jordan City Edition Jersey , these ads are misleading and, if you apply for and are approved for one of these loans, you end up getting hit with much higher interest rates than expected as well as with a flood of other unanticipated fees, costs and charges. You must -- must -- always read the fine print before applying for a personal debt consolidation loan.

How do you begin a piece of music? That's a question I'm often asked. The answer I usually give is that you begin as soon as you start playing - that is Juwan Howard City Edition Jersey , if you're trying to "compose" something, the piece begins the moment it has energy and is something you want to capture. If it's an improvisation, the piece begins the moment you set your fingers on the keys and hit the first note. It's like free flow writing and writing a chapter to a novel.

The writer can both improvise and enjoy the process or can structure the ideas more - or, as I like to do Gilbert Arenas City Edition Jersey , combine both procedures into one. I start out by improvising - always. Then, if I want to memorialize a musical idea, I write down the first two bars of melody along with the chord(s) I'm playing. I throw this on a chart and voila - the idea remains fresh until I want to either expand on it, or ignore it completely.

If the idea is a rhythm pattern I write down (Left hand = whatever the pattern is) so I can remember it later. I never stop improvising though because that would stop the flow and who knows what could come out of it. Don't forget that an improvisation is a piece of music in and of itself. There is really no need to impose structure on something as beautiful and organic as spontaneous expression. In fact Isaiah Thomas City Edition Jersey , these spur of the moment fantasies are often more inspiring than any contrived composition. There is something more alive to them because there IS more life to them.

Endings pose another problem, namely the problem of when to stop playing. For improvisation, the answer is when energy (inspiration) starts to wane down. That's a good time to bring your music to an end. You'll know when this is happening when you become bored. That's the sign it's time to stop.

Composition is a different story. The form of the piece already dictates when you should stop. For example, an ABA form tells you to play the A section once or twice Bradley Beal City Edition Jersey , go to B, back to A then bring the piece to an end. Of course the amount of repetition and contrast is a personal decision but the form establishes both beginning and ending. It's a nice safe way to say that yes, I have a piece of music here. Now, improvisations can have form as well. The big difference is that you don't consciously think about putting the music into a predefined shape.

But for some unknown reason John Wall City Edition Jersey , most improvisations do have symmetry - that is they take on a form of their own. I don't know if this is because of human beings innate rhythm (heartbeat) or what.

Even Zen flute music, which may be the most freely inspired improvisation style around has some structure. You can hear it in the phrases. Beginnings and endings. Don't worry too much about them. What's important is where you are emotionally while you play. Become aware of that and all your problems are solved.

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