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It's so easy to have those credit card balances sneak up on you, leaving you with a number of credit card and charge card balances high enough that you're only able to meet the monthly payments. On top of that, the interest rate is eating up the majority of your payment, so that it will take you years to pay off the balance owing. This is where you should consider credit card debt consolidation. 

There are many people who do not own a home and don't have the luxury of being able to draw on an equity line of credit. This is where one should consider a balance transfer credit card. Many of these offers include a 0% twelve month introductory agreement.When considering this method of reducing your monthly payments and paying down your debt, you do need to read the fine print. Some offers have no transfer fee, while others charge a flat fee of up to $50 for each transaction and then again there are those that charge 3% of the balance transferred. 

The other thing needed to take into consideration, is what is the interest rate after the 12 month introductory time is up? This can also vary greatly, from 10% to 17.99%; however, there are many low interest credit cards that offer the balance transfer option.

If you do take this road to reduce your debt, you need the determination and discipline in paying a set amount each month and enough to make it worth your while. After all, this is your big chance in paying principle only without interest, thus accelerating your pay-off. But be warned, should you pay even one monthly payment late, there are penalties. 

Credit card debt consolidation really isn't difficult. You can do all of your homework right here on the internet by comparing credit card offers from any number of financial institutions, available here online. If you take your time and do your due diligence, you could save yourself hundreds of dollars and pay down your debt considerably during the next twelve months.

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For most people, investing in mutual funds is pretty straight forward. You have specific goals that need to be met. You and your partner are approaching mutual fund investing with your eyes open and you’re both on the same page. Granted, she may want that pretty cottage down by the lake and you want that new speedboat, but both your goals involve water, and that’s close enough for you. But what if you’re in a completely different boat? 

What if you know you need to invest, but you have two equally important goals pulling you two different ways? This is the case with thousands of parents who see the need to save for retirement but also want to save for the kids’ college education. How can you do both at the same time? Here are a few tips.

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One of the biggest factors in the college vs. retirement battle is the fact that people are putting off having kids until later in life these days. Fifty years ago, this wasn’t the case, and saving for both college and retirement usually happened during two distinctly different phases in one’s life. These days, now that we realize that saving for retirement is something that should be started when you’re 18, not 48, the two overlap more than ever. 

The gut instinct of most parents is to put the kids’ future ahead of their own and cut back on retirement savings in favour of college. While this is a popular choice, it really only should be a last resort. A technique that is becoming more and more popular with parents who face saving for both at once is offering your prospective college student the chance to get matching funds from you.This is simply the idea that for every dollar they pay for, you’ll match it. If your not sure how junior will pay for half, remember, there are many ways for teenagers to save for college themselves. 

Almost everyone qualifies for student loans, there are scholarships for good grades as well as an after school and summertime job. Most college students work while they are attending classes, as well.While walking the tightrope of saving for two goals at once can be stressful, a logical and determined approach to the situation is really the only way to go. Choosing retirement over your kids’ education isn’t a “wrong” choice, and neither is choosing college over retirement. Everyone’s situation is different and you need to make the right choice for your situation. 

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Andalucia is probably one of Spain's most varied areas with its mountainous regions leading down to the Costa del Sol, Costa Tropical, Costa de Almeria and to the far west bordering Portugal, the beautiful Costa de la Luz. It is ideal for a holiday in winter as well as summer as there is skiing in the Sierra Nevada.An Andalucia vacation has much to offer from its National Parks to a visit to Jerez for some sherry tasting. Also not to be missed are a day out to the wonderful city of Granada with its Alhambra Palace, Jaen or similarly Cordoba which also has much Moorish history.

The white towns (pueblos blancos) named because of the Moorish tradition of whitewashing the buildings are a glance back in time to traditional Spain. Towns such as Ronda, Gaucin and Jimena de la Frontera to name but a few.Inland, rural Andalusia has three wonderful cities to explore, namely Cordoba, Granada and the capital of the region - Seville. In addition to these historic cities with their Moorish past, there are many traditional and picturesque whitewashed villages to visit, as well as nature reserves or simply walking or hiking in the scenic countryside.

Western rural Andalusia is home to the wonderful city of Ronda. It has a spectacular setting being located on a huge outcrop of rock. It is also famous for its bullring, which is the oldest in the country. The Punte Nuevo - 'the New Bridge' spans the gorge and links the old part of Ronda with the new. This part of Andalusia is also home to the whitewashed villages – ueblos blancos - of Gaucin, Jimena de la Frontera as well as picturesque towns and villages such as Alhaurin el Grande, Alhaurin de la Torre and Coin. 

Also in this area near the village of El Chorro is the geographical wonder of the Garganta del Chorro, a vast natural chasm in the limestone mountain. The national park of El Torcal is also popular with walkers, hikers and nature lovers.In the east of the Malaga region Antequera is a busy market town within easy reach of Malaga for a day trip. It is a more traditional town and is well known for producing olive oil. It is possible to walk around the walls of the 13th century hilltop castle from where there are wonderful panoramic views over the surrounding area.

Some of the smaller rural villages in this area are Villanueva de la Concepcion, Alcaucin and the pretty white village of Competa. Here and in similar villages you will find a wealth of culture and a taste of real Spain. We have many holiday fincas and cortijos to rent as well as charming village houses all set in rural andalucian locations, yet the sea in most cases is within an hours drive. If you are looking for a vacation rental to get away from it all, then this is the area of choice.

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Generally you will find that there is more credit card debt help available than is actually needed. Just flip through the newspaper and you would be surprised by the number of advertisements related to credit card debt help. Every now and then, there are articles on credit card debt and credit card debt help. Television channels are full of ads related to credit card debt help. There are websites and magazines that are dedicate to credit card debt help. You also hear about the topic of ‘credit card debt help’ being discussed in parliament. 

There seem to be policies/laws being formed for credit card debt help. All kinds of suggestions seem to be floating for credit card debt help. Everyone, even some of your friends, have a piece of advice related to credit card debt help. All banks seem to offer credit card debt help in term of various loan types (generally short term loans) at low rates.

So, credit card debt help is readily available and in fact even unwanted credit card debt help or advice will flow into your ears. However, not every one offering credit card debt help is proficient enough to be able to provide proper credit card debt help that will suit you. So you do need to understand some basics about credit cards and credit card debt, before you actually go looking for credit card debt help or before you start helping yourself out with your credit card debt. 

So you should try and understand how the credit card suppliers bill you, how the interest is calculated on your credit card balance and how your credit card debt grows. Understanding all about APR, goes without saying. Even if you think that you had gone through all this stuff at the time of choosing your credit card, you should revisit these concepts to make sure that you still know them. 

If you decide against going for professional credit card debt help, you will need to understand these concepts in even more detail. All these concepts will become handy when you are comparing various balance transfer offers (for example). Moreover, the knowledge of these concepts will also be helpful in making the discussions with credit counsellor more fruitful. So credit card debt help really starts with developing a better understanding of credit cards and other concepts related to credit cards (irrespective of whether you go for external credit card debt help or not).

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Trading money in the global markets can be great way to make more of it, it can also be a lesson in how to lose money quickly. More than $1 trillion is traded every day on the foreign currency exchange (Forex), and yet no centralized headquarters or formal regulatory body exists for this form of trade. Foreign currency exchange is regulated through a patchwork of international agreements between countries, most of which have some type of regulatory agency that controls what goes on within their respective borders. 

Thus, the foreign currency exchange actually is a worldwide network of traders who are connected by telephone and computer screens.Although more international policing of money trading has occurred in recent years, authorities have had some successes exposing scams and frauds that victimize traders, especially newer ones. So if you want to try this wild world of trading, you need to be wary and not depend entirely on experts. 

Sure, experts can help you in explaining the working of foreign exchange markets and how the language of the Forex and its risks are unique, but you need a lot more training before you even consider entering this extremely risky trading arena.

If you have ever traveled outside the United States, you have probably traded in a foreign currency. Every time you travel outside your home country, you have to exchange your country’s currency for the currency used in the country you are visiting. 

If you are a US citizen shopping in England and you see a sweater that you want for 100 pounds (the pound is the name of the basic unit of currency in Great Britain), you would need to know the exchange rate. And that’s the way foreign currency exchange is used by the average shopper, but foreign currency traders trade much larger sums of money thousands of times a day.

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