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- Published: Monday, 02 March 2015 12:31
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When you're behind with your credit card payments for whatever reason, it's extremely important to consider all the various credit card debt consolidation methods, and determine which one is specifically best for your situation at top ten reviews consolidation.
Using some of these methods can help you reduce your debt considerably, or at least make it more manageable. Also, they can assist in getting creditors and debt collection agencies off your back, so you and your family can stay stress-free.
One of the best rated credit card debt consolidation solutions is debt settlement. Through this option, a debt consolidation company is contacted that can negotiate the principal balance on your debt.
Often involving complex negotiations, this method can be quite fruitful, allowing debtors to reduce the amount they need to pay off by more than 40%. The downside is you can sometimes expect a slight reduction in credit scores, however, it still remains one of the fastest, cheapest and most convenient debt consolidation methods out there.
Debt Consolidation Loans
Consolidation loans can also be used. While they are an option that can be advantageous for any type of debt situation, including bills and other loans, it can also work wonders on reducing your credit card debt, and you can apply for consolidation loans regardless of your credit history.
The interest rate, however, is critical, and you need to research loans that come with lower interest than what you currently have to pay. A common solution for facilitating this is to secure your loan with some type of collateral, such as a vehicle or a home.
Credit card debt consolidation through credit counseling mainly involves the negotiation of interest rates on your credit card payments. Credit counseling plans are usually in effect in 4-5 years, and they can significantly help you reduce your monthly payments, as more money goes to covering the principal balance.
Credit Card Balance Transfers
Finally, balance transfers are quite a convenient option for people with more than one credit card. In essence, they allow you to transfer all your credit card balances to a separate, single credit card with a lower interest rate.
It is, of course, very important to do your best to research credit card transfer options involving plans for minimal payments, or even zero interest credit cards before transferring your balance.
There are many advantages to each of these methods, but only you can determine which one is best for you. Consider seeking counseling from one of the most respected companies dealing with credit card debt consolidation, so you can make a more informed choice about your financial future.
Want to enjoy the best quality music in the crowded places, while travelling in busy trains or in loud music parties or you had fed up with the headphones which won’t carry the feel of music at all; all these problems can be easily solved with the help of Bose headphones. Bose Quiet Comfort headphones are often regarded as the best noise cancelling headphones in its class. It is really hard to get these headphones in the discounted or inexpensive products category. Until some years back, Bose was used as a synonym for quality music.
In the opinion of Bose brand lovers, the manufacturer itself created the market for the premium headphones after which several other manufactures came up with their models. This seems to be true as Bose is the only dedicated manufacturing company which was offering premium headphones some year back. No other brand thought of making headphones worth more than $200. The first question that comes into anyone’s mind after hearing the price of Bose models is it really worth. For your information, the latest release from Bose, Bose Quiet Comfort 15 is available in all major online shopping cart websites for $300.
Though the debate on high price for headphones is going on from long back and the questions are being raised on the increase in the value of the market; they are not hampering the release of new models. Interestingly, several new companies are entering into this category and coming up with new models pricing close to $400. Some other premium headphones which had a strong reputation and their prices are as follows:
The above list itself proves that users are happy to shell out their hard earned money to get quality music.
Beats Executive topped our list because it is the only headphone which is offering the original sound in the noise cancellation category. If you just want to “FEEL” the sound, go for this one. The remaining models are good at noise cancellation but the sound quality gets changed, which is the case with most of the other headphones.
If you can’t afford these phones or don’t want to spend this much on headphones, you can opt for Monoprice's 8323 which is coming with a price tag close to $100 (1/3rd of the price of above) has the sound quality and noise cancellation are almost close to above.