Using My Home To Clear My Debt

Becoming a home owner is one amongst the more vital stuffs you will do inside your being alive. It yet ranks wakeful there exhaustive knowledge about achieving got married to with causing a relatives of your own to deal with. Unluckily, owning a property pulls off escort miscelanneous burdens along with those burdens are the expenses that you build inside request to keep the home, flowing because you crave it. There may be immeasurable purpose on why you came down into debt, admire becoming far more than extended in addition to the expenditure you undergo, not calculating the worth of pouring a home correctly or conceivably it was curative reasons that you came across wedged plus someone inside debt along furthermore expenditure.

No matter what the purpose was that received you where you are at the moment you exceedingly may perhaps do what I made ready. By way of my real estate to clear everything my debt was the most excellent fixation I ever made ready. Millions of people imagine they got to thrown in the towel along with admit the debt prevail the struggle but you do not ought to do that. There are preferences that you labor under that more will not tell you as regards to. Along furthermore every hire you style on your real estate you improvement equity. Once a year the merit of your house works conscious in addition to that builds equity. Any mending or upgrades along with improvements you variety to your real estate also will add to its disposition as well as the quantity of equity you have inside your property. You may well purpose the equity in your property to help you lucid your debt in addition to capture your monetary resource back on the right track.

There are uncountable persons that intention a queue of credit on the equity inside their house to class indivisible mending, upgrades with the some well-known of the whole lot is to pay off debt. By using the equity in your house you may well pay off your debt all at once earning it thence you easily tolerate one single payment to class each month. It is a homeowner's systems to consolidate their debt on their own without causing to search outside help out or inducing to go away because far-flung since filing liquidation.

If you pass through along furthermore overwhelming debt at the moment you should talk over with your lender or mortgage broker. They may possibly protection you dig up a loan on the equity in your property as a result you can pay off debt along with meet up with without difficulty lone payment to be anxious near to. You will excepting much money given that you will not have to be compelled to be anxious about the whole thing those curiosity duties on the wonderful debt. There are several choices given that homeowners to help out acquire each other out of debt.

You may accompany your electricity mortgage lender or talk to esoteric lenders to examine who bestow the best inside interest taxes. These forms of loans provide a lot of reduced awareness taxes at that time the rates you pay on your exceptional debt. The lender will see you with see where you are with your fees as well as protection you get your hands on the bulk of capital riches you got to acquire your being alive back on track.

Read rest of entry

Basics Of Debt Consolidation Options

Most of us have heard the term - debt consolidation and debt reduction. Those terms get thrown around with mortgages, credit cards, balance transfers, equity lines of credit and a wide variety of other financial packages.

But what exactly is debt consolidation and how does it work?

The consolidation of debt is not a difficult or complicated process. It simply involves combining all of your debts that are non-secured like medical bills, credit cards, tuition payments all wrapped up into one nice monthly payment. Very often the payment is much lower than all the combined payments totaled up.

This debt reduction plan works by letting consumers (the debtor) pay monthly a fixed amount of money to the consolidation company. The consolidation company in turn functions works as your payment representative and will negotiate lower rates of interest and sometimes a lower balance. Then the company after receiving your payment will make payments each of the creditors on your behalf.

Why would a creditor even consider lowering the balance or interest rate? The reason is it works! Creditors will usually make these financial arrangements since it is in their best interest to get paid. They understand that if a debt company is making the payments they will most likely get paid on time. They also will not need the same amount of resources contacting consumers about the unpaid balances.

How Can the Consolidation of Debt Help A Consumer?

There are various ways a debtor can be helped by reducing their debt load.

* Consolidated payments are usually lower payments

* The debt becomes managed by a professional

* Stops the addition of more debt

* Keeps bill collectors and collection agencies from calling

Is it a Better Route Than Bankruptcy?

Yes, anything is probably better than going the bankruptcy route! Bankruptcy is a serious issue and a decision, which should not be taken lightly. Even with a bad credit score you can begin to rebuild your credit history. When bankruptcy is introduced into the equation all your debts get canceled out and your credit rating completely collapses. Where consolidating debt is a much more manageable option and preserves your credit.

What Consolidation Options Are Available?

There are several ways to go about handling your debt problems. Hiring a company as mentioned above is an option for those with serious financial conditions and issues that need to be resolved. The other method involves taking out a loan for the expressed purpose of eliminating many debts and turning them into one debt.

Using a company who has built relationships with people and represent thousands of creditors can give you some bargaining power with any kind of counseling and debt restructuring plan. Loans for debt consolidation will help you get rid of the unsecured-debt and help reduce the combined interest.

Do your research and find the one that best fits your needs for a bright less debt future.

Read rest of entry

Strategies For Coping With Your Debts

If you're struggling with debt problems it can seem like you're trapped in a never-ending fight to keep your head above water, desperately juggling your finances around to keep your creditors happy. It can also seem like you're alone in your struggle, but this is very far from the truth. Millions of people have at one time or another been in a similar situation, and even though it might currently seem like there's no way out, millions of people have successfully left their debt worries behind.

There are thousands of sites on the internet offering help and advice, sometimes as a free service, but often as a commercial venture which you'll have to pay for in one way or another. With all this information overload, how can you even get started on deciding how to handle your debts? Read on to learn the basics of some of the most popular debt strategies, which will help you decide which strategy is right for you and is worth researching further.

Budgeting

This is the most basic way of getting your finances back in shape. By sitting down and working out all your income and expenses, you can clearly see the parts of your money management that need more attention. Often, this basic step will show up easy ways to economize, giving you a little more breathing space every month, and making it easier to pay those bills.

Debt Consolidation

If, after examining your budget, you find that you really can't make ends meet, then it's worth considering taking out a consolidation loan. The basic idea behind consolidation is to take out one big loan which you use to clear all your other debts, meaning you only have one repayment to make every month. Ideally, your new loan will be at a lower interest rate than your current debts, so your monthly repayment will be lower. You can also spread the repayments over a longer period, taking some of the financial pressure off, but this will mean you're paying more in interest in the long run.

Debt Management

Some people who have serious debt problems might not be able to arrange a consolidation loan. This might be because they've already borrowed to the hilt and no lender is willing to advance any more credit, or it may be that in the course of their debt problems their credit rating has been badly damaged. At this point, debt management is a good option. It works by handing over the management of your debts to a specialist company or agent, who will contact your creditors on your behalf and negotiate a way forward, such as lowering interest rates, extending the repayment term, or cancelling previous fees and charges.

Entering into debt management has the great advantage of relieving the immediate stress and worry of dealing with your debts, but the disadvantage is that in most cases the management company will charge a fee, and the damage to your credit rating will be considerable.

Individual Voluntary Arrangements

This is a step further than debt management, in that the agreements you make with your creditors are legally binding. You will also have any remaining debts cleared after keeping to the arrangment over a period of five years. Should you fail to keep to the arrangement, then bankruptcy is the only remaining option.

Bankruptcy

This is the final step to take when all other attempts to handling your debts have failed. All your assets will be frozen and used to pay off your debt, and most of any income you receive during your bankruptcy period will also be taken from you. The damage to your credit rating will be almost irreperable, and even though many people have started to see bankruptcy as an easy way out of debt, the long term consequences are grave, and it should only be considered as an absolute last resort.

Read rest of entry

Add safe Mode To The Regular Boot Menu

Open the System Properties dialog box. You can do this from Control Panel (click System).
- Click the Advanced tab.
- Click the Settings button under Startup and Recovery.
- Click the Edit button under System Startup. This opens the boot.ini file in Notepad.
- One line should end with "/fastdetect" (NOT "/fastdetect /sos"). Copy that line.
- Paste the line you just copied below the original line. Change "WINDOWS=Microsoft XP Professional" to "WINDOWS="Safe Mode" and add the following text to the end of the line: /safeboot:minimal /sos /bootlog
- Save the file and click OK to exit the dialog boxes. Note: If you named the Windows XP installation folder something other than WINDOWS when you installed XP, that name will appear instead of WINDOWS in step 6.

Or

Right-click My Computer, and choose Properties (or press Windows Key & Break together).
On the Advanced tab, click the Settings button, which brings up the Startup and Recovery window.
Click the Edit button, which will open the boot.ini file in Notepad.
Look under the [Operating Systems] for your default OS. Copy the entire line, and paste it on the line below.
Change the description in the quotations to say ?Safe Mode? or whatever description you want. Then add the following to the end of the line you just copied: /safeboot:minimal /sos /bootlog
If you want networking support, then change ?minimal? to ?network? without the quotes.

Read rest of entry

Another way to Lock folders without any Software

Steps:--
1) open notepad & copy the matter pasted below

cls
@ECHO OFF
title Folder Private
if EXIST "Control Panel.{21EC2020-3AEA-1069-A2DD-08002B30309D}" goto UNLOCK
if NOT EXIST Private goto MDLOCKER
:CONFIRM
echo Are you sure you want to lock the folder(Y/N)
set/p "cho=>"
if %cho%==Y goto LOCK
if %cho%==y goto LOCK
if %cho%==n goto END
if %cho%==N goto END
echo Invalid choice.
goto CONFIRM
:LOCK
ren Private "Control Panel.{21EC2020-3AEA-1069-A2DD-08002B30309D}"
attrib +h +s "Control Panel.{21EC2020-3AEA-1069-A2DD-08002B30309D}"
echo Folder locked
goto End
:UNLOCK
echo Enter password to unlock folder
set/p "pass=>"
if NOT %pass%== Password-here goto FAIL
attrib -h -s "Control Panel.{21EC2020-3AEA-1069-A2DD-08002B30309D}"
ren "Control Panel.{21EC2020-3AEA-1069-A2DD-08002B30309D}" Private
echo Folder Unlocked successfully
goto End
:FAIL
echo Invalid password
goto end
:MDLOCKER
md Private
echo Private created successfully
goto End

2)Replace "Password-here" with your password & save as "whatever you want.bat" anywhere you want to creat locked Folder

3) Now run that .bat file ,Now it will make a folder named "private"

4)Now again run that file,in command promt it will ask u

Quote:

Are you sure you want to lock the folder(Y/N)

press "y",Then Folder will disappear .

4)If you want that folder back again run bat file ,Now it will ask you to put password whih is stored in that file

5) You can hide that file too...

Enjoy.....

Read rest of entry

Dual Boot XP with vista STEP BY STEP GUIDE with pictures

Note that you should not attempt this if you aren't ready to troubleshoot any problems that might occur.

The first issue we encounter is that computers with pre-installed operating systems take up the entire drive. Luckily Microsoft included the Shrink volume feature in Vista, so we can easily shrink the Vista partition down to make room for XP.

Open the Computer Management panel, which you can find under Administrative tools or by right-clicking the Computer item in the start menu and choosing Manage. Find the Disk Management item in the list and select that.




Now we'll shrink our volume down by right-clicking on the main hard drive and choosing Shrink Volume.




Now you can choose the size that you want to shrink, which really means you are choosing the size that you want your XP partition to be. Whatever you do, don't just use the default. I chose roughly 10gb by entering 10000 into the amount.



The next step might be confusing, because we need to change the cd-rom drive that's invariably taking up D: at the moment, because we want to use D: for the Windows XP partition, but it's already taken by the cd-rom drive. If you skip this step than XP will install onto the E: drive, which isn't the end of the world, but it's not quite as tidy.

Right-click on the cd-rom drive in the list and choose Change Drive Letter and Paths from the menu.



Now we'll change the CD drive to use E: by selecting that in the drop-down.



Now we can create a new partition for XP to live on and make sure that the drive letter is set the way we want. If you do not create a partition now the XP install will do so automatically, but it's easier and cleaner to do it this way.

Right-click on the Unallocated free space area and then select New Simple Volume from the menu.




Follow through the wizard and select whatever options you'd like, making sure to use D: as the drive letter.

Now you will need to close out of disk management and reboot your computer. This is because we can't do the next step until we reboot. (you can try, but it won't work)

So we've come back from rebooting… open up Computer from the start menu and then right-click on the D: drive and select properties. Give your partition a meaningful name like "XP". It would be wise to name the C: drive to "Vista" at this point as well.




Now you'll want to pop your XP cd into the drive and boot off it. You may have to configure your BIOS to enable booting off the CD drive, or if your computer says something like "Hit Esc for boot menu" you might want to use that.

Once you come to the screen where you can choose the partition to install on, then choose either the unpartitioned space or the new partition you created. Whatever you do, don't try and install onto your Vista partition! See how much cleaner it is now that we've labeled each partition distinctly?




We'll assume XP is completely installed at this point, and you will have lost your ability to boot into Windows Vista, so we'll need to use the VistaBootPro utility to restore the Vista boot loader.

Download And Install VistaBootPRO


During the install you'll be forced to install the .NET 2.0 framework. Open up VistaBootPRO and then click on the System Bootloader tab. Check the "Windows Vista Bootloader" and then "All Drives" radio buttons, and then click on the Install Bootloader button.



At this point, the Windows Vista bootloader is installed and you'll only be able to boot into Vista, but we'll fix that. Instead of manually doing the work, we'll just click the Diagnostics menu item and then choose Run Diagnostics from the menu.



This will scan your computer and then automatically fill in the XP version.. click on the "Manage OS Entries" tab and then click in the textbox for Rename OS Entry, and name it something useful like "Windows XP" or "The Windows That Works"



Click the Apply Updates button and then reboot your computer… you should see your shiny new boot manager with both operating systems in the list!



If you get an error saying "unable to find ntldr" when trying to boot XP, you'll need to do the following:

Find the hidden files ntldr and ntdetect.com in the root of your Vista drive and copy them to the root of your XP drive.
If you can't find the files there, you can find them in the \i386\ folder on your XP install cd

This is a critical piece of information: Windows XP will be installed on the D: drive, even in Windows XP… so you'll need to keep that in mind when tweaking your system.



You can share information between the drives, but I wouldn't recommend messing with the other operating system's partition too much… it might get angry and bite you. Or screw up your files. What I do recommend is that you store most of your files on a third drive shared between the operating systems… you could call that partition "Data".

Read rest of entry