Inspired Enough For A Career In Creative Arts?

The term creative arts is an umbrella description for a wide ranging and extremely diverse topic. If you consider yourself as a creative person with an idea of what skills you possess, then transforming these ideas into jobs can be difficult. Mostly due to the disparate industries that define themselves as being in the creative arts sector.

Probably the most far reaching of employment sectors, it contains art design, drama, film, publishing and music. All these subjects can be viewed as sectors in their own right and have an assortment of jobs related to them. Here I will try to clarify some of the career opportunities in each sector of the creative arts discipline.

Starting with art design as a sub category, a number of job roles are prevalent, in media and advertising graphic designers are in constant need to design advertising campaigns and often images for magazines and newspapers.

Also in this sector the role of cartoonists and animators is present, for those with a talent for drawing fun vibrant characters this is a very real option. This industry however functions on an extremely laborious medium so meticulousness is a necessity.

Drama and performing arts can also be viewed as fundamentally creative. Although some may dispel budding young actors from pursuing it as a career, there is more to the business than Hollywood. A number of smaller roles are constantly available in soap opera and television dramas. This is not to discount the stage as a valid career pursuit for those with the acting bug.

Also under the curtain of performing arts are the disciplines of dance, magic and comedy. Generally these are seen as gifts that require talent as well as expertise, although the dancing industry can be lucrative and breaking out can simply mean dancing in clubs as professional dancers.

Magicians are often requested at social events such as weddings and can make a fair wage purely undertaking private functions, whereas comedy has truly got to be a passion, its one thing being funny with your friends, but standing on stage in front of hundreds of people and making them laugh, could not be further removed from banter down the pub.

If blessed with the talents of writing the options are in many ways infinite. Granted it is a very small number of authors who become published and actually make a living from their writing, but that should turn people away from the medium. The press and media require creative writers in large numbers whilst the world of advertising has many uses for those skilled with a pen in their hand.

The music industry can also be brought under the creative arts umbrella, apart from the big band stars and vocalists on Top of the Pops the industry has a wide variety of jobs open to those who are interested.

Music production is often overlooked by the general public but in many cases it is producers who put the majority of work into records and not the stars. Also there are the more technical aspects such as dubbing mixers that give records their professional sound. Jobs in the music industry are advisable to anyone who lives and breathes melodies day and night.

Overall jobs in the creative arts incorporate so many different roles and skills that it is hard to make any generalizations about the industry. Apparently if you consider yourself as a creative person and have a real passion for what you do, be it sing, write, draw or act, finding jobs within your chosen sector will not be difficult.

Unfortunately it must be remembered that you will never be the only one who considers themselves creative enough for a job. Jobs within the creative arts sector are fiercely fought over, competition for positions is high and often low level positions are not so well paid.

Clearly employers in this industry look at your passion for a subject and willingness to achieve your goals in that field. Unless you truly desire jobs in this sector it is hard to break into the any of the industries mentioned above.

Rheumatoid Arthritis Diagnosis: What You Need To Know

Rheumatoid arthritis is an inflammatory disease that is highly chronic in nature. This disease causes the body’s immune system to attack the joints. When rheumatoid arthritis strikes, then the result would be an almost permanent pain in the affected area. And if this disease is not addressed accordingly, it becomes possible that its patient would suffer from lasting joint damages and eventual loss of their mobility functions. In other words, people with rheumatoid arthritis may become disabled.

Rheumatoid Arthritis Symptoms

It is important that rheumatoid arthritis is identified and diagnosed at the onset. If you think you have it, take a look at these signs and symptoms and compare them with yours.

1. Swelling, pain, stiffness, redness, and a warm sensation on the joints. There are a lot of joints in the body. Following that concept, rheumatoid arthritis can possibly strike anywhere. If you feel any chronic pain on any part of your body, more particularly in the knees, neck, and shoulders, it is possible you have arthritis. Chronic pain means that the pain recurs from time to time.

Arthritis comes in different forms. If you merely suffer from joint pains, what you may have is not necessarily rheumatoid arthritis. But it is always best to have it checked so that the symptoms can be properly addressed.

2. There seems to be some thickening in the lining of your joints. When the pain on your joints has waned, but the affected area doesn’t feel like the way it did before the condition started, you should go see a health care specialist right away. You never know, the pain may be away, but you might already be developing actual and recurring rheumatoid arthritis. It could just be resting until its next attack.

3. Your motor skills have gone haywire. When the pains become too excruciating that you find yourself unable to move the way you normally would, it could be a sign of higher-stage rheumatoid arthritis. Your doctor will prescribe you the appropriate medications to help you deal with the condition.

Tests Done To Identify Rheumatoid Arthritis

There are different ways to test if a person definitely has rheumatoid arthritis. Here are some of the more popular methods doctors and professional health care practitioners use to confirm its presence.

1. The most basic test doctors conduct to identify rheumatoid arthritis is via X-ray. This is usually the first test you are asked to undergo because it gives an overall view of the internal body. It is not able to confirm a hundred percent if rheumatoid arthritis is present, but it helps rule out other possible ailments. X-rays are also helpful in finding out the degree of the condition and at what stage it is progressing into.

2. Get a Latex Test. Latex tests help identify rheumatoid arthritis specifically by seeking the presence of the rheumatoid factor in the blood. It is the body’s natural response to produce a substance called the rheumatoid factor whenever inflammations occur in the joint linings and the joints. Confirmation of this substance in the patient’s blood means that he or she does have rheumatoid arthritis and needs to be treated.

3. Once rheumatoid arthritis has been confirmed, the doctor will immediately conduct a series of other tests to find out the Sedimentation Rate of the blood. This is done through the extraction of a blood sample, which is left to settle for a while before examined. Finding blood that has a high sedimentation rate means the inflammation is active and growing.

These are the ways on how doctors perform diagnosis tests for rheumatoid arthritis among their patients. But it is still your responsibility to monitor your body’s processes so that treating the disease becomes a lot easier. And at times, preventing the disease becomes possible even.

The Key To A Perfect Tattoo Design

Like all art forms, tattoos are a way of expressing to the world who you really are; and choosing the best tattoo design for you is critical because it’s a permanent symbol that holds meaning.

Getting a perfect tattoo design is not difficult, but you have to be patient and persistent. The real key to getting a great design is to start with great tattoo idea. So many people rush into getting inked without taking the time to think it through carefully.

Begin by asking yourself, �Will this tattoo design still look good in 10 years?� If you’re not sure, keep looking. The following tips will help you narrow down your choices and discover the perfect tattoo design for your personality.

One method is to find someone with a tattoo you absolutely love, and consider if there is some way to personalize it. You might even talk to a tattoo artist about the design and see if they have an idea to improve on it, or customize it to your personality.

Of course, you don’t want to just rip off someone else’s �tat.� But being influenced by someone else’s tattoo design is a whole different story. We all have influences on our individual style, and there’s nothing wrong with that.

Another method is to look for a tattoo design has a special meaning to you personally. A tattoo is a reflection of who you are, and it should represent the qualities you see in yourself – loyalty, honesty, individuality or your sense of humor are few examples of this.

Taking time to research different symbols, phrases and patterns will help you select a tattoo design that describes your personality. If you are thinking about getting words inked onto your body, try different tattoo lettering styles.

Once you have a clue about the type of tattoo design you want, it’s time to start thinking about its location. The location of your tattoo is also symbolic of you and your personality, so it needs to �fit.� Remember, location is just as important as design. Arm or lower back tattoos are still popular amongst the influential youth however they are also viewed upon as common.

One of the best ways to get a great tattoo idea is to visit a well-respected tattoo artist. An artist who sees tattoos (both good and bad) all day long is your best guide when you rare trying to narrow down your choices for both your design and location.

A word of warning: if you run your idea by an accomplished tattoo artist and he/she doesn’t think its right for you–you should think long and hard before continuing with that specific tattoo. Tattoo artists are professionals, and the good ones seen it all have seen it all when it comes to tattoos–been there done that. If they don’t think your tattoo idea will work well for you, listen to them! They know what they are talking about.

Cosmetic Dentistry Nyc : Giving People A Reason To Smile

In the present era of science and technology, it has become very easy to get rid of those inborn defects that affect your personality. It is either cosmetic surgery or cosmetic dentistry NYC both are made to enhance one’s beauty and confidence. People who have any problem with their denture, teeth color, or alignment may now take a sigh of relief, as it is now possible to remove your minor and even major dental and oral defects with cosmetic dentistry.

In past time, people were satisfied with the dental science as it was able to sort out their dental problems. Traditional dentistry was focused on the oral health but with changing time where look and overall personality is so important, tradition dentistry is lacking somewhere in providing people complete satisfaction. Now people have become conscious for their looks they do not hesitate in having multiple surgeries for looking beautiful. In such a situation if one’s smile or denture is the reason for his/her unattractive looks, cosmetic dentistry NYC can help them out. Cosmetic dentistry NYC takes care of the appearance of a person’s teeth mouth or smile. It may also help in restoring of decayed teeth by proving facility of filling the teeth. Until the emergence of cosmetic dentistry, it was not possible for people to properly align their misaligned teeth. People used to wear braces for years without any affirmation of sure improvement. Though it was more embarrassing for them to move with braces on their teeth but with a hope of improvement they kept n wearing them. Cosmetic dentistry NYC not only relieved people from embarrassment of wearing ugly braces but also enhanced their confidence.

With cosmetic dentistry, all dental treatments have become easy and effective as never before. People are getting their missing tooth replaced just through few sittings with dentist. Not only this getting a dazzling white smile or realigning a bad set of teeth is also very easy now. Cosmetic dentistry NYC is making people smile more confidently and maintaining the natural appearance of your smile and appearance. Many people have older filling replaced with the latest and tooth colored filling to enhance the magic of their smile.

Cosmetic dentistry NYC includes many procedures such as filling, teeth whitening, dental veneers, bonding and dental implants. The repair of broken teeth can also be done through a procedure called bonding. In this procedure, a dental compound material with the look of enamel is applied to the surface of a tooth. After some time it is then it is shaped and polished to hide the crack. Possibly teeth whitening is the most commonly opted for cosmetic dentistry NYC procedure. People who have lost the original white color of their teeth due to smoking food, or poor oral hygiene can make their teeth whiter and brighter as before. All those treatment are just to enhance the overall appearance of people who have problems with their smile. Result of treatment of cosmetic dentistry NYC is not only an enhanced smile, but also a more attractive appearance, since dental problems cause a unattractive face and stale smile.

Dublin: A Nirvana For Folk Music Fans

Dublin is often referred to as the party capital of Europe; full of pubs, clubs and Irishmen extolling the virtues of ‘the craic’. One thing you will find in abundance in the Irish capital is traditional folk music and you certainly won’t have to travel very far around the streets of Dublin to find a place to have a jig and a swig!

Whelan’s in Camden Street, central Dublin is the place to visit for traditional and folk music. This exciting venue has had most of Ireland’s folk talent perform on its stage at some point. Just a stone’s throw away, also in Camden Street, is The Village another vibrant music venue, that’s well worth a visit.

Vicar Street – despite its confusing name – is not a street but a fabulous traditional music venue and can be found in Thomas Street in the heart of Dublin. This prestigious venue opened in 1998 promising to give Dublin a mid-size venue that would ‘punch above its weight’. It presents bands and solo artists that play all types and genres of music including traditional and folk, with big-name Irish bands such as the Dubliners appearing at this venue. Other artists that are slated to appear at Vicar Street include Dara O’Briain, Fionn Regan and Brendan Grace proving that it is living up to its promise to deliver quality acts.

Plus, you’ll find many more places where you can enjoy traditional folk music at most times of day or night. Bars, cafes and hotels in Dublin are all places where you can find Irish Folk Music being performed by eager and talented local musicians. Plus, you’ll be able to enjoy just about any other genre of music in Dublin that takes your fancy, from rock to classical. So, if you are planning to visit Dublin, or just toying with the idea, make sure that you are prepared for ‘the craic’!

And if you are in any doubt as to how much the Irish love their music, take note of the following example. The Irish Post Office has recently started selling a series of stamps that pay tribute to four iconic bands whose roots are based in traditional Irish folk music; The Chieftans, The Dubliners, the Clancy Brothers and Tommy Makem, and Altan. The bands have been chosen because of the success they have had in taking traditional Irish folk music to the world. The inclusion of Tommy Makem is quite poignant as he recently passed away, and these stamps make a fitting tribute to his life-time contribution to making Irish music popular throughout the United States. They are sure to become collectors’ items, so be sure to pick some up when you visit Dublin.

Construction And Maintenance Electricians Play An Important Role

Did you know that it is possible to train as an apprentice while obtaining a two-year post secondary engineering technician diploma to become a construction and maintenance electrician? This combination of training is available to students who attend Centennial College’s two-year Electrician: Construction and Maintenance � Electrical Engineering Technician program. This program ensures that requirements for both in school apprenticeship curriculum and an Ontario College diploma are completed.

Through the offering, students obtain a thorough grounding in electrical engineering sciences and skills, including electrical circuits, maintenance of electrical instruments or devices, operation of electrical motors and power transmission as used in the industry. But why is this knowledge important? With the construction industry on the up-swing and the most condo developments in North America going up in Toronto, construction and maintenance electricians are vital to areas such as service, installation, repairs sales and design. In these areas, construction and maintenance electricians read and interpret drawings, circuit diagrams and electrical code specifications to determine wiring layouts for new or existing installations; install, replace and repair lighting fixtures and electrical control and distribution equipment; splice, join and connect wire to fixtures and components to form circuits; test continuity of circuits using test equipment to ensure compatibility and safety of system following installation, replacement or repair; troubleshoot and isolate faults in electrical and electronic systems and remove and replace faulty components; and more.

In these areas, construction and maintenance electricians read and interpret drawings, circuit diagrams and electrical code specifications to determine wiring layouts for new or existing installations; install, replace and repair lighting fixtures and electrical control and distribution equipment; splice, join and connect wire to fixtures and components to form circuits; test continuity of circuits using test equipment to ensure compatibility and safety of system following installation, replacement or repair; troubleshoot and isolate faults in electrical and electronic systems and remove and replace faulty components; and more.

To ensure students are prepared for these numerous responsibilities, eight months of the program time is spent on a co-op placement arranged by the college. The hours earned during the co-op placement are counted towards the practical part of apprenticeship training. This co-op opportunity allows the future construction and maintenance electricians to apply the skills learned in school to real life, network with seasoned professionals and be compensated for their contributions to the construction site.

Meanwhile, during the time students spend in school, they are exposed to courses with a project approach that simulates actual workplace assignments. In these courses, students become comfortable in dealing with electrical circuits, maintenance of electrical instruments or devices, operation of electrical motors and power transmission as used in the industry. Among the specific courses in which future construction and maintenance electricians partake are: three levels of Electrical Codes and Prints, three levels of Electrical Theory, three levels of Installation Methods, three levels of Electronics, and more.

In order to apply to Centennial College and become a construction and maintenance electrician, applicants are required to possess at minimum an Ontario Secondary School Diploma (OSSD) or equivalent, or mature student status (19 years or older). They are also required to have the English Grade 12 C or U or equivalent, or skills assessment as well as the Math Grade 11 M, C or U or Grade 12 M, C or U, or equivalent, or skills assessment. Lastly a questionnaire, resume and references to determine apprenticeship employability as well as an employer interview may be required.

Web Hosting Basics

Web hosting can be a bit overwhelming for beginners. Most people think that you have to hire an expensive company to handle their web hosting services. However, the simple truth is that if you have an internet connection and a computer, you can easily handle your own web site with very few problems. Any good website has three main ingredients: the actual website pages, the domain name (which if you have a business, works best with your own domain, not some existing inexpensive domain), and a place for your site to reside (a web server basically a computer attached permanently to the internet).

Your first challenge is, obviously, to design your website pages. There are a few ways you can do this. You could hire someone else to design them for you. In the end, though, that can get rather expensive. You could try to design them yourself using HTML, which doesn’t take long to learn, but for those who are not so technically savvy, this can be a difficult process that may simply be not worth the hassle. One of the best ways to design your website pages if you aren’t as good with computers is to choose a hosting company that offers you templates, or web page design software built in to the system. This way you just fill in the details company name, description, contact details, etc, and the software creates the website for you. Many web hosting companies will do this, such as [web host name], which actually goes the extra step by offering you a free hour of web programming every month all you need to do is call them and tell them what you need, and if it takes an hour or less, they’ll do it for free. That’s like having a hundred dollars worth of web design every month not a bad deal!

Once you’ve designed your pages, you need enough storage space and bandwidth to make sure you can deal with the ensuing traffic. For that you need a web server. If you intend to host your own site, you need to have a computer dedicated to being online and you need to run server software. For most people, that’s just not worth the effort. If you choose to instead go with a web hosting service, you need to find a company that offers you as much uptime as possible. In fact, you might want a company that guarantees at least 99% of uptime.

If you do choose to go with a host service, there are thousands of companies to sort through. Some offer free services, some offer free software and features that can improve your site, and some offer slightly more expensive services that give you more space and more bandwidth. One of the biggest problems with free services is that your customers will have to enter a very long name before they ever get to your site name, such as http://www.freewebsitesandstuff.com/clients/yourcompanyname.

You could, though, go with another type of free host service. With these, you purchase your domain name, and they host your site for free, provided you allow them to run their advertisements on your page. Most people prefer to spend a couple of bucks a month to avoid this, however, since you should be making money from your own ads, rather than sending your traffic away.

There are other, more expensive web hosting companies, and in order to choose the right one for you, you should consider their package deals carefully. The best option, as far as we’re concerned, if to find a web hosting company that will actually answer the phone and talk to you, and to that end, the offer of an hour of free web consultation from [web host name] above indicates a pretty good starting point. In the end, however, read a few reviews of a host before you jump in, and you’ll do just fine.

Things To Know About Real Estate Loans

Investing in real estate is quite expensive. Most people cannot afford to buy real estate with cash. With a real estate loan, the dream of your own property can be realized.

Many agencies such as banks, credit unions and lending companies offer real estate loans to those who can avail it. There are certain qualifications in order to qualify for a real estate loan.

Real estate loan is a loan on real estate usually secured by a legal document by which the owner transfers to the lender an interest in the real estate to secure the repayment of a debt or mortgage. There are two classifications of real estate loans: commercial and residential real estate loans.

In order to qualify for any of those two classifications of real estate loans the following are some of the requirements needed:

Commercial real estate loan:

Commercial real estate loan application form and real estate addendum.

Current business financial statements and most recent year tax return.

Guarantor’s current personal financial statement and most recent year personal tax return.

The applicant should sign the application form and the application materials should be submitted to the agency or institution where the applicant wants to apply for a commercial real estate loan.

Residential real estate loan:

Residential real estate loan application form.
Financial statement and most recent year income tax return.
Guarantor’s current personal financial statement and most recent year personal tax return.

In the same way as commercial real estate loans, the application materials for residential real estate loans should be submitted to the agency or institution where the applicant wants to apply for a residential real estate loan.

The materials needed for a real estate loan varies according to the requirements of different agencies and institutions.
Whn applying for a real estate loan, there are certain steps that the applicant should follow.

The following are the simple steps that an applicant should follow in order to hasten the processing of the real estate loan.

Select terms. Mortgage terms affect both interest rate and payment. With large amount of flexibility, lenders allow the applicant to tailor the loan to fit the budget needs.

Research the lender. In order for the applicant to save money, the easiest way to purchase real property in low rates is by finding the lowest costing loan. Research and find lenders who offer low cost loans.

Apply for real estate loan. After finding the right lender, the applicant can now apply for real estate loan accompanied with the requirements.

There are common mistakes when applying for a real estate loan. The following are some of it. To make the right impression and secure the loan, it is important to be aware of these common mistakes.
Not thoroughly researching the options. Thorough research on options should be made.

Not having the ducks in a row. Make sure that all the documentation the lender would expect is at hand and an applicant should be prepared to show why the property makes fiscal sense.

Failing to negotiate the best deal. Negotiation should be done to have the best deal.

Not selecting the best lawyer. Hiring the best lawyer is important. Hire lawyer that is very experienced in negotiating the types of real estates loans.

Going straight to a family lender. It is good to have a rapport with a lender, particularly when loan is needed. However, there are new real estate products offered constantly, ant it is worth the time to check out some of the other possibilities before going straight to favorite lender.

Knowing everything about real estate loans is very important when investing in real estate. Make sure you follow all the steps mentioned above.

An Introduction To Traditional Chinese Medicine

When you hear about Traditional Chinese Medicine, what is the first thing that pops into your mind? Odd stuff in jars in dark smoky rooms where equally odd old men mutter strange incantations in Chinese as they burn incense in a pot? Actually, there may actually literally be such places and maybe they do practice some form of Traditional Chinese Medicine too � but in these modern times, Traditional Chinese Medicine can also mean medicine that is practiced by even Western followers of the traditional ways of treating patients as the Chinese have learned all these centuries. And for such Western practitioners, Traditional Chinese Medicine may not mean burning incense as well but rather keeping rather immaculate and clinical treatment rooms where any modern patient would feel comfortable being treated for whatever is ailing him.

One part of Traditional Chinese Medicine that many Westerners may have heard of is acupuncture which is closely related to acupressure. Both acupuncture and acupressure are based on the premise that throughout our body certain points exist at which energy might be strongest. When the Traditional Chinese Medicine practitioner finds some energy points to be �blocked�, he might prescribe a round of acupuncture (meaning, sharp sterile needles are inserted at such pressure points to release your vital energy that has been blocked there), or simply press down on the pressure points in a prescribed way so that the blocked energy finds itself flowing again through your body and the ailment is relieved. Though some Westerners may find this Traditional Chinese Medicine belief to be a bit strange, many other Western medical practitioners now advocate these two Traditional Chinese Medicine practices and may even use them in their own clinical practice.

Depending on who you talk to, Traditional Chinese Medicine may be considered either a form of alternative medicine or a form of complementary medicine. Traditional Chinese Medicine may be a type of alternative medicine in that you can opt for Traditional Chinese Medicine practices rather than the conventional Western style of medical treatment � thus you chose an alternative. Traditional Chinese Medicine practices become complementary medicine when you allow both a Western style of medical treatment and the Traditional Chinese Medicine practices to be used side by side at the same time when you are undergoing treatment for your ailment. It may be easier to determine the efficacy of Traditional Chinese Medicine when you opt to have it by itself, rather than mixing it with other forms of treatment. This is because the symptoms of your ailment might get relieved under a complementary medicine type of treatment program so you might get confused as to which treatment option really worked for you.

Not surprisingly, many people of Oriental lineage are strong believers in Traditional Chinese Medicine and may eschew modern ways of treatment so that they can favor Traditional Chinese Medicine treatment options alone for themselves and their loved ones. Is this good? It depends on the ailment � there are some ailments that modern ways of treatment seem to have been very effective at treating (such as cancer) for which there is little evidence that Traditional Chinese Medicine can cure. If you want to be sure of getting well, you may want to pursue Traditional Chinese Medicine only after modern scientific ways of diagnosing an illness have failed to show what you are really ill with. There is some evidence of a so-called placebo effect when complementary medicine methods are used where modern treatment practices have failed to give the desired cure.

Debt Settlement – The Gory Details of My Personal Story

You are about to read a very personal story about me. I am a happily married, 40 year-old father of two precious little kids. I live in Los Angeles, California and my name is Jonathan Grossman. This sounds like an introduction to an AA meeting. In some ways it is!

Back in 2004, I was making a great living as a TV composer and enjoying the high life with my wife. By 2006, we had our first child and I was unemployed, living off savings and hoping things would turn around. By 2009, I had 2 kids, went through all of my savings and managed to accumulate $130,000 in debt. Things were not getting better and I had to make a move.

This story is a lot of things. First off, it’s true. But even more than that, it is a brutal examination of the American economy from the point of view of the consumer. In many ways, I am the typical Hollywood story combined with the typical real estate boom home buyer. I was irresponsible and wreck-less and the financial climate was my gracious enabler.

This story will tell the tale of how I got myself into this financial mess, and I how I chose to get myself out of it. For the record, I take 100% responsibility for creating all of this debt. I am not for a second blaming anyone but myself!

The story has a horrific beginning, but a great ending. Without further delay, here are some details.

In July 2009 this is where I stood:

* $130,000 in unsecured debt.

$104,000 in unsecured personal lines of credit
$26,000 in credit card debt

* Owned, or rather “owed”, my home which was fully financed at $880,000 and it was underwater.

If I sold it, I wouldn’t even be able to pay off my mortgage.

* Monthly bills: $18,000
* Monthly net income: $12,500

Monthly deficit: $6,500

* I was drawing from my personal lines of credit to help pay the bills each month.
* I was drawing from those very same lines of credit to make the minimum payments on them each month.
* I had 2-3 more months before the credit ran out…MAXIMUM DEBT VELOCITY.

HERE WERE MY FEARS!

* Foreclose on my house.
* Feel humiliated with my family and friends.
* Declare bankruptcy.
* Look into the sweet little eyes of my 4 year old son and explain why we have to move from our home and make new friends
* Admit to my wife that I had let the family down.
* Admit to myself that I was a failure.

HOW DID I LET IT GET THIS BAD

NYC: National Debt Clock

I’ll tell you.

* I didn’t save enough for a rainy day.
* I kept hoping things would turn around.
* I ignored the obvious downward spiral.
* Once I started to fall into the pit, I passed the threshold of caring.

I LET MYSELF GO DEEPER BY SAYING “I AM ALREADY $100,000 IN DEBT. WHAT’S ANOTHER $5,000 AT THIS POINT”

Here’s my story of how I got into $130,000 in debt and how I am getting myself out of it. I am not yet done by the way.

BIG DISCLAIMER!!!!

Let me be clear up front. I am not a debt settlement counselor. I do not work for any of the debt settlement companies. I do not profess to be an expert or in any way imply that you are guaranteed to have the same results I am having.

Things that can or will happen if you choose Debt Settlement include:

* A lot of HARD WORK.
* A lot of time, focus and resilience.
* Rhino skin and tenacity.
* You MIGHT be threatened with law suits.
* You will have creditors calling you all the time.
* Your credit will suffer.
* You MIGHT have to pay taxes on the amount of debt that the bank forgives.

It is NOT easy. As I just said, you need rhino skin and tenacity. But, if you are willing to do your homework, you may find that debt settlement is the right road for you.

I did A LOT of research and ended up using a debt settlement company that was extraordinary. I will wholeheartedly recommend them because I believe they are fair, supremely skilled and a true consumer advocate. My intention is to give back to the very company that gave me so much.
Here’s the deal about this blog:

* Take what is useful.
* Toss what isn’t.
* Call my recommended company if you are inclined…..BUT…..do your research. Call a dozen of them.
* You may discover what I discovered.
* There are only a few debt settlement companies that are really there to help.

The one I used, Consumer Recovery Network, was incredible for me. I imagine they could help you as well. Throughout this blog you will notice that I keep mentioning Consumer Recovery Network (CRN). They are the only company that I have worked with and therefore the only company with which I have first-hand experience.