Massive debt is something many Americans face. Debt reduction is now becoming more and more of a necessity. Even a low amount of debt can cost you a lot in the end and it can take a very long time to pay off. An example: Let's say you have $4000 in credit card debt and your interest rate is 14%. If you only make the minimum payment each month, it will take you 21 years to pay it off and you will have paid over $5100 in interest. Doesn't that sound awful? This is why you may be interested in debt reduction.
Debt reduction can be done in many different ways. A recent method being used is to buy some debt reduction software. You can purchase debt reduction software online or at a computer software store. The software usually comes with a debt reduction calculator to help you decipher how quickly your debt will be paid off in accordance to you monthly balance payments. Similarly, there are also debt reduction books you can purchase at your local bookstore.
The best route for help with debt reduction is to go see a credit counselor or a debt reduction counselor. Most charge a fee for help with debt reduction, but there are several non profit debt reduction organizations that help people with massive debt for free. There are also courses in debt reduction offered at many college campuses. Sometimes you may also learn of free debt reduction seminars. It is best to call around and see which option is the best for you.
The first step to debt reduction is to realize you are in debt, and you may have poor spending habits. To start debt reduction off on the right foot, you must decipher needs versus wants. You should only purchase things you need, not things you want. An example: you need food, water, shelter, electricity, etc. You want new shoes, to dine at fancy restaurants, a fancy car. To get anywhere in debt reduction, you must separate these two things. Only spend money on what is absolutely necessary, not on things you want but don't need. This is probably the most difficult part of debt reduction many people face.
Many people are in debt because of the many loans they have. These can be a car loan, house loan, school loan, etc. Many people end up way over their head in debt. When you have this many loans, go see a debt reduction counselor or credit counselor to help you consolidate these debts and hence start your way to debt reduction.
With the proper frame of mind and some restraint you can eliminate your debt in a fast and easy manner. Once you come to realize that you need help with debt reduction, you will be that much closer to eliminating your debt. Seek out help and get that enormous weight off your shoulders. I promise you will feel much better.
Saturday, January 22, 2011
Software Helps
I'm a big believer in believing in yourself. And I tell my self every day that I'm going to attain the goals I've set for myself.
I'm living proof of the old adage, "If you can dream it, you can achieve it!"
"By repeating an affirmation over and over again, it becomes embedded in the subconscious mind, and eventually becomes your reality. That is why you need to be careful what you think and believe, because that is exactly what you will get!" --Tony Robbins
"As A Man Thinketh." "Think And Grow Rich." "The Seven Habits." These books and countless others like them all promote this same philosophy...that to attain any goal, you must first program yourself to expect with certainty that you will eventually succeed. That is the only way that any of us can find the strength to pick ourselves up and try again when faced with the inevitable setbacks that we all encounter from time to time.
But, how do you go about this programming and who will guide you along the way? A new computer software program from AffirmWare aims to help us out with this. It's called Sculptor 3 and it combines seven integrated technologies to help us program ourselves for success:
- Affirmations
- Visualization
- Alpha sound technology to help you achieve meditative states
- Subliminal technology to tap directly into your subconscious mind
- Sentence completion, the act of repeatedly answering a single question to reinforce your programming
- Assignment writing and goal setting
- Whole brain synchronization, combining thought, intuition, sensation and emotion
In addition to the seven integrated technologies, this program also includes:
- Gender specific affirmation libraries to help you tailor the program to your specific requirements
- Daily success quotes with add and delete functionality
- An auto-pilot mode for when you are involved with other tasks
- A personal response database, to track how you feel about your affirmations over time and to help you overcome inner resistance to your achieving your goals
On the plus side, I'm personally fascinated by the possibilities presented by the subliminal component of this program. It uses the same techniques used in movie theatres during the 1950's. Positive affirmations flash briefly on your computer screen while you work. Instead of inducing you to get up and buy popcorn, though, these messages promote your growth towards success.
On the negative side, this type of "focus on self" program seems to fly in the face of the social interactions required by most popular motivational and success training methods (Hill's "Master Mind" group, Covey's "Circles of Influence", etc.). Perhaps in response to this, AffirmWare includes a membership to their Sculptor 3 Private web site. In the end, though, it's really up to each of us to determine how much and what kind of one-on-one and group activities we need to accomplish our goals.
So, visit the Sculptor 3 website today and take a look at the full details of this impressive product. (While you are there, make sure to sign up for the free "Affirmations For The Mind" newsletter full of self-help tips and techniques.) As with all products offered for sale through ClickBank, Sculptor 3 comes with a 90-day money-back guarantee.
I'm living proof of the old adage, "If you can dream it, you can achieve it!"
"By repeating an affirmation over and over again, it becomes embedded in the subconscious mind, and eventually becomes your reality. That is why you need to be careful what you think and believe, because that is exactly what you will get!" --Tony Robbins
"As A Man Thinketh." "Think And Grow Rich." "The Seven Habits." These books and countless others like them all promote this same philosophy...that to attain any goal, you must first program yourself to expect with certainty that you will eventually succeed. That is the only way that any of us can find the strength to pick ourselves up and try again when faced with the inevitable setbacks that we all encounter from time to time.
But, how do you go about this programming and who will guide you along the way? A new computer software program from AffirmWare aims to help us out with this. It's called Sculptor 3 and it combines seven integrated technologies to help us program ourselves for success:
- Affirmations
- Visualization
- Alpha sound technology to help you achieve meditative states
- Subliminal technology to tap directly into your subconscious mind
- Sentence completion, the act of repeatedly answering a single question to reinforce your programming
- Assignment writing and goal setting
- Whole brain synchronization, combining thought, intuition, sensation and emotion
In addition to the seven integrated technologies, this program also includes:
- Gender specific affirmation libraries to help you tailor the program to your specific requirements
- Daily success quotes with add and delete functionality
- An auto-pilot mode for when you are involved with other tasks
- A personal response database, to track how you feel about your affirmations over time and to help you overcome inner resistance to your achieving your goals
On the plus side, I'm personally fascinated by the possibilities presented by the subliminal component of this program. It uses the same techniques used in movie theatres during the 1950's. Positive affirmations flash briefly on your computer screen while you work. Instead of inducing you to get up and buy popcorn, though, these messages promote your growth towards success.
On the negative side, this type of "focus on self" program seems to fly in the face of the social interactions required by most popular motivational and success training methods (Hill's "Master Mind" group, Covey's "Circles of Influence", etc.). Perhaps in response to this, AffirmWare includes a membership to their Sculptor 3 Private web site. In the end, though, it's really up to each of us to determine how much and what kind of one-on-one and group activities we need to accomplish our goals.
So, visit the Sculptor 3 website today and take a look at the full details of this impressive product. (While you are there, make sure to sign up for the free "Affirmations For The Mind" newsletter full of self-help tips and techniques.) As with all products offered for sale through ClickBank, Sculptor 3 comes with a 90-day money-back guarantee.
CD Mastering
While many people think that the mixing of the separate audio tracks is the final step, a recording must be mastered well in order to sound good. CD mastering is the last chance for creative input when creating a compact disc. After a disc is mastered, it can be printed, reproduced, and sold.
The process of mastering a CD includes several steps. The first step is putting the songs, called tracks at this point, in order. Next, the volume is leveled for all of the songs. The length of time between songs is also adjusted, and any editing on the intros and ends of the songs (such as fades and crossfades, etc.). Also, any unlisted, secret songs, usually known as hidden tracks, are added at this point.
There are several ways to master a CD. First, the mix can be sent to a professional CD mastering engineer, which is what professional musicians with major recording contracts usually do. These mastering engineers often work in their own mastering facilities, which are different from standard recording studios, in that they have much less gear and are designed for the best playback of the mix as possible in order to fix any slight discrepancies.
Aside from professional CD mastering engineers, CDs can be mastered at home using computer software. This option is usually more realistic for unsigned artists or musicians who are just starting out. Depending on the quality of the software and the skill of the person doing the mastering, the CD may sound great or it may sound muddy and unprofessional.
Online CD mastering is another option. CDs mastered online can be a great time-time, in that, instead of sending a mix to a mastering engineer, the mix is sent over the Internet. This option requires a high-speed Internet connection.
Free CD mastering is obviously the cheapest way to master a CD. Artists may want to use free mastering programs on demos or other early recordings that artists use to send to record labels to generate interest. Many CD burning programs included on many computers can be used to do basic but necessary mastering functions.
The difference between a professional sounding CD and an amateurish recording is often found in the mastering. All of the songs played on the radio are extensively mastered in order to sound slicker and more listenable.
The process of mastering a CD includes several steps. The first step is putting the songs, called tracks at this point, in order. Next, the volume is leveled for all of the songs. The length of time between songs is also adjusted, and any editing on the intros and ends of the songs (such as fades and crossfades, etc.). Also, any unlisted, secret songs, usually known as hidden tracks, are added at this point.
There are several ways to master a CD. First, the mix can be sent to a professional CD mastering engineer, which is what professional musicians with major recording contracts usually do. These mastering engineers often work in their own mastering facilities, which are different from standard recording studios, in that they have much less gear and are designed for the best playback of the mix as possible in order to fix any slight discrepancies.
Aside from professional CD mastering engineers, CDs can be mastered at home using computer software. This option is usually more realistic for unsigned artists or musicians who are just starting out. Depending on the quality of the software and the skill of the person doing the mastering, the CD may sound great or it may sound muddy and unprofessional.
Online CD mastering is another option. CDs mastered online can be a great time-time, in that, instead of sending a mix to a mastering engineer, the mix is sent over the Internet. This option requires a high-speed Internet connection.
Free CD mastering is obviously the cheapest way to master a CD. Artists may want to use free mastering programs on demos or other early recordings that artists use to send to record labels to generate interest. Many CD burning programs included on many computers can be used to do basic but necessary mastering functions.
The difference between a professional sounding CD and an amateurish recording is often found in the mastering. All of the songs played on the radio are extensively mastered in order to sound slicker and more listenable.
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