#1 Debt Elimination Method Thats Helped Thousands!}

Submitted by: Jason Oswald

Most of us have debts and some of us may have debts that have gone delinquent and ended up in collections. Although delinquent credit card and other debts may seem like a nightmare to deal with especially if you are receiving harassing collection calls and letters demanding payment(s) in full.

You shouldnt worry if you have delinquent debts or youre receiving collection calls, there is a quick and easy way to get rid of those problems debts for pennies on the dollar.

Do-It-Yourself Debt settlement can help you eliminate your debts for a fraction of what you owe. Debt settlement is the process of negotiating a reduced pay-off (aka settlement) on credit card and unsecured debts such as medical bills, deficiency balances, utility bills etc. There are many companies that offer credit card debt settlement services, but most of them will charge huge, unnecessary fees for their help. They will lead you to believe you need their help, but the truth is, you dont. You can settle your own debts without paying someone a dime for their help!

DIY debt settlement is easy and convenient if you know how to do it. If you know how to present your case, if you know What to Say AND What NOT to Say, do-it-yourself settlement can be pretty simple and straightforward.

With do-it-yourself debt settlement, you do not have to be at the mercy of a debt settlement company and their expensive fees that could cost you thousands in fees. Most of these companies have a lot of clients to take care of. And if they have too many, they are likely to short-change you in terms of the time they put into handling your account and settling your debts for the lowest amount possible.

There is no better person than you to take your own interests to heart and act accordingly. With a little research, you can easily handle negotiations and successfully settle your accounts without having to pay for costly debt-settlement services.

Do-it-yourself debt settlement requires nothing more than learning the basic steps to successfully negotiate and settle your debts. Once you get a grasp of the basic principles and techniques of effective credit card debt settlement, you will get those collectors off your back sooner than you think.

You will find out that it is easy to negotiate and settle your accounts on your own, if you know how to go about it. The process need not be complicated or drawn out. All you have to do is follow a few simple steps.

Credit card debt elimination is not rocket science. With some expert advice from professionals who have helped thousands through the process successfully, you, too, can take things into your own hands and settle your debts on your own.

There are many advantages to do it yourself credit card debt settlement which may be the reason why more and more people are deciding to do it for themselves.

The great thing about the DIY Debt Settlement Approach, is it doesnt cost a ton of money, in fact for a fraction of what you would pay a debt settlement company, you can learn all the inside tricks and strategies to negotiate and settle your debts like the professionals without the cost. Some debt settlement companies charge as much as 25% of your debt amount or as much as 40% of what you save by settling. This is money you get to keep for yourself and apply towards getting yourself out of debt if you work out your debts on your own.

Creditors and debt collectors are usually very open to working with individuals who use the do-it-yourself debt settlement approach. They tend to take a hard-line stance when dealing with a debt-settlement company as they will have to compete with other creditors and likely to settle for a more drawn out battle and longer terms and in many cases they wont settle your debt because they know what these companies charge.

DIY credit card debt settlement is a strong motivation for getting your financial affairs in order. There are many reasons that cause debt problems. Some people may be in financial trouble because of conditions which are not entirely within their control (medical bills that pile up or the expenses incurred from losing someone you love). Some people incur debt problems by simply failing to keep track of their expenses and debts. When you decide to negotiate for yourself, you start looking at the financial picture a bit more clearly and realistically. This will motivate you to be practical and to spend within your means. Facing up to the situation is likely to do you good.

If you decide to go for do-it-yourself debt settlement, youll want to use a proven to work and effective debt elimination system that is easy to follow and implement. The system should also offer support in case you have any questions on how to handle various situations when dealing with debt collectors; solid support can mean the world of difference when attempting to deal with your debts with a DIY Debt Settlement Program. There are a lot of debt settlement programs, services, and information online but most of this information is bits and pieces of a large, complex puzzle with many missing pieces. There are a few programs that are complete and have everything you need to eliminate your cash draining debts for pennies on the dollar, such as the program that is available at www.byebyedebt.net. This program includes a guide, workbook, audio, videos, and even support and is worth taking a look at.

About the Author: Jason Oswald, aka “The Debt Help Guy” has been involved with the credit, collection, and debt relief for over 17 years. He is the owner of National Debt Consultants, Inc., a national debt settlement service and has helped thousands eliminate their debts for mere pennies on the dollar while improving their credit and their lives. He is the creator of

Debt Elimination University

as well as a Do It Yourself Debt Settlement program that has helped countless individuals take control of their finances and debts, and allowed them to get their financial lives back on track.



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Upcoming Projects In Gurgaon

Upcoming Projects in Gurgaon


Arun Rathore

Are you struggling hard to live your Gurgaon dream in full form? Well, if your answer to this question is an affirmative Yes, then you ought to read this article to know what exactly you re supposed to do in order obtain a decent property in the millennium city to turn your Gurgaon dream into reality.

Well, first of all, we would like to throw some really vital information at your end. As per the recent news that is flowing around, new real-estate projects in Gurgaon are about to launch and these upcoming projects of Gurgaon will shower amazing property investment opportunities over the property purchasers of every category. Isn t it great? Well, surely it is. And the best part is that these upcoming projects in Gurgaon are opening new doors of investment for the small investors who were in quest of lucrative investment schemes in which they can securely invest their hard earned money or savings they had done thus far.


Earlier, there were speculations regarding the upcoming realty projects in Gurgaon which were only intended to cater to the property requirement of big-time investors, who possess deep pockets and ready to spend an exorbitant amount of money over the procurement of a sophisticated property. However, now all these hearsays are overpowered by the authentic information, which confirms that these new and upcoming real estate projects in Gurgaon will also focus on providing varied forms of properties at an economical price line. This will further encourage the single-time investor in coming ahead and enquire about what all options are available there for investment.

By simply connecting with these upcoming projects in Gurgaon, money-spenders will get the precise idea about these arrays of projects, which are lined-up to offer comprehensive property investment opportunities to the people. As we know, most of these realty assignments are still under the wraps, however, there are couple of projects which are way ahead than their contemporaries as they ve already commenced with their construction process. And yes, this is true. If you don t believe, you can go and enquire about the same.

Therefore, those who are all set and prepared to acquire a well-constructed property in Gurgaon can go ahead and get the requisite details related to these New launch projects in gurgaon, which are already on the construction stage and heading towards early completion.

So on the whole, it s suggested that you deep dive into the details of these lucrative projects that are assuring profitable investment opportunities to the people belonging to different segments of the society.

Hometrust Realty now offer

Upcoming Projects in Gurgaon

both residential and commercial which launched by all top of the real estate developers. For more information about

New launch projects in gurgaon

call at 9555396969 or visit at www.newlaunchprojects.in

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Mexican Cooking: A Melting Pot Of Diverse Cultures

By Michelle Ann Gelder

Mexican food – authentic ones, and not those watered-down fast-food tacos and breakfast burritos either – have enjoyed a surge in popularity in recent years. Mexico has a rich history influenced by different cultures and this has brought about a unique taste that cannot be mistaken for anything else.

What opened people’s eyes to the wonderful Mexican traditions revolving around food was the best-selling novel, Like Water for Chocolate. Native food has such an enduring effect that even today, many farmers refer to themselves as ‘el hombre del maiz.’ The honor of being called men of corn was great because their ancient ancestors, the Mayans, Aztecs, and Toltecs valued corn because of all its uses. Other crops too held great significance in Mexican culture: peanuts, beans, avocados, tomatoes, squash, and coconuts were all traded hundreds of years ago. But none can equal the high regard that native Mexicans place on chocolate – ‘ the food of the Gods.’

When the Spanish, led by Cortez, occupied Mexico in 1521, the two cultures exchanged foods. The Spanish got a taste of the Aztec’s food and, in turn, they brought in livestock like cows, pigs, and sheep, along with milk and cheese, garlic and other spices, and vegetables like lettuce. Spices were also brought in by the Spanish so cinnamon, oregano, black pepper, and coriander are now staples of Mexican cooking. These ingredients have been so ingrained in Mexican cooking that dishes like cheese quesadillas or grilled beef fajitas are no longer seen as having any foreign influences.


Native Americans aside from the Aztecs have also left a mark on Mexican cooking. Native Americans who used to trade with the Aztecs were the ones who introduced corn tortillas to them. It’s just that tortillas have been such a fixture of Mexican cooking that it never occurs to anyone that they are not indigenous to Mexico.

The French also had a role to play. For a brief period, Mexico had been under French rule, so there is a little hint of Gallic flavor to Mexican food. Chilies en nogado comes to mind, a dish made of stuffed chilies topped with walnut sauce.

Finally, the Texans have left a little bit of America on Mexican food. South Texas has been a combination of Mexican and Anglo culture primarily due to the state’s proximity to Mexico. The Mexican ‘barbacoa’ – a method of cooking where meat is roasted slowly over a spit – is seen as the origin of the word ‘barbecue’. Tex-Mex cuisine is known as an amalgamation of the two cooking styles and is characterized by the heavy use of beef, pinto beans, and rich, spicy red sauces.

Today, there are countless regional variations of dishes within Mexico. Sonoran Mexican food is markedly influenced by the Pacific coast and California’s abundance of vegetables. On the other hand, food along the Gulf of Mexico centers on luscious seafood. Too bad that the ecosystem of the Gulf of Mexico is now under a lot of stress because of BP Petroleum’s recent debacle. Should the damage be permanent, the world will lose some of the most wonderful seafood anywhere.

There is one food that is unmistakably Mexican. Chili peppers have as many varieties as spellings – ‘chili,’ ‘chile’ or ‘chilies’ – they are some of the most potent flavorings around. Whether, they are used in sauces or stuffed like poblano peppers, or used to give dishes a kick like jalapenos and habaneros, chilies are one food that is definitely Mexican.

About the Author: Michelle adores just spending free time in the kitchen testing out innovative recipes using her

crockpot recipes

. 1 of her all time winter absolute favorites is

bread slow cooker recipes




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Why Interactive Floor Plans Are Better Than Video Or Virtual Tours For Selling Real Estate

By Janice Kenyon

Two of the most popular ways to show off real estate are videos and virtual tours. But did you know that interactive floor plans are more effective and a better value for your money? I’ll tell you why.

I have nothing against well-produced videos and virtual tours. They can give you a realistic and detailed view of interior spaces, almost as though you were standing inside a room looking around in person. If you have the budget, by all means, utilize these mechanisms to supplement your listings. Just don’t rely on a video or virtual tour alone to convey a property to prospective buyers. Why? Because they don’t present the entire picture like a floor plan does.

Think for a moment about how you use the internet today. If you are like most people, you spend seconds, not minutes, deciding whether to continue looking at a page or move on to another site. Home buyers are no different when looking for a property. They want to know at a glance if a particular listing warrants their attention. If they have to sit through a video presentation for every listing on your site, they are going to go to one of your competitors. But if your site has interactive floor plans, they’ll stay longer and keep looking at what you have to offer.

Why are interactive floor plans so effective? Because they allow viewers to immediately see the entire property – how the rooms are laid out, how big they are, and where windows and doors are located – and also zoom in on what’s important to them. For one buyer it might be the kitchen, for another it’s the bathrooms, or a workshop. Move your mouse over the kitchen to see a photo and read that the counter tops are granite and the cabinets are Cherry. You can’t do that with video or virtual tours.


The very nature of videos and virtual tours is that they are sequential. You have to sit through them until you see what interests you. Imagine if you went to a restaurant and had to watch a video to learn what was on the menu. That might work if you were only interested in appetizers, but what if your delight is desserts – you’d have to sit through the whole thing just to get to the good part. Also, it’s harder to get back to something you are interested in, but with an interactive floor plan you can go where you want with a flick of your mouse or touch of your finger on a mobile device.

Another big advantage of floor plans is that they allow you to see how rooms relate to one another. It’s obvious that the kitchen is connected to both the dining room and the family room, but with a video, you only see one room at a time and can’t easily tell how rooms connect or the relative sizes of the rooms. And neither video nor virtual tours work well in small spaces like a powder room or walk-in closet. There just isn’t enough room to move a camcorder around, but a still camera with a wide angle lens will do the job nicely.

Quality is another factor to consider when choosing multimedia marketing tools. Anyone who has ever taken a home video can tell you how easy it is to make a bad video and how hard it is to make a good one. The camera shakes, the sound is poor, the focus is bad and the lighting is too dark or too bright. While not everyone is Ansel Adams with a still camera, most of us can take a decent still photo with a good quality point and shoot model. And that’s all you need to create an interactive floor plan – no need for a lot of special equipment to produce professional results.

Cost wise an interactive floor plan is the clear winner for low price. Using online interactive floor plan software like MapsAlive, you can get a very high quality result for under $30. Just upload your floor plans and photos, drag hotspots to show where photos were taken, and type some descriptive text to highlight special features of the home. You’ll get back a URL right away that you can link to from your site. You can even embed the floor plan right into your listing page making for a fantastic marketing tool that potential buyers will love. But don’t take my word for it; ask your clients what they prefer and you’ll get votes for floor plans again and again. Since buyers want them, they are easy to create, and they cost very little, why would you choose anything else?

To learn more about MapsAlive visit http://www.mapsalive.com.

About the Author: MapsAlive is the web application that lets you turn any image into an interactive map. Use it to create interactive maps, floor plans, diagrams, photos, or geographic maps for your web pages. To learn about creating

interactive floor plans

visit our website at





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