Credit Card Debt Consolidation – The Hidden Dangers

Credit card debt consolidation sounds great, pay off high interest bills, but credit card debt consolidation has hidden dangers that you must be aware of before you proceed. Drowning in debt can be frustrating and anxiety filled but make sure the relief you seek is truly beneficial to you, let’s discuss what to watch out for.

Credit card debt consolidation loans offer the ability to swoop in and pay off your high interest card debt, allowing you to apply more of your payments towards your balance owed and seize control of your finances back from your creditors. It seems like an easy choice on the surface, and in most cases it is beneficial but there are some common financial traps you must avoid if you get a consolidation loan.

Remember that your new loan is just that, a loan, with financing fees and charges for the approval of your new consolidation loan. This in and of itself is normal, but be wary of companies that charge very high financing charges for the privilege of your loan. You may be reducing your rates with the new loan but there is no reason that you should pay more than you have to finance your consolidation.

Many credit card debt consolidation companies will offer to negotiate settlement of your debt on your behalf with your creditor. What this means is they will negotiate with your debt holder to have a portion of your debt forgiven in return for an immediate pay off of the remaining amount with the consolidation loan. This is very commonly accepted by credit card companies for delinquent accounts as they would rather write off the debt and get paid a little than risk your bankruptcy and non payment in full.

If you choose to settle your credit card debt, simply be aware of the tax ramifications for doing so, forgiven debt is typically looked upon as income come tax time with the IRS. For large settlements you might wish to seek the consultation of an accountant or tax attorney in order to receive a professional consult for your situation.

Also be aware of the affect settlement and consolidation will have on your credit score. You may already have bad credit, and are not in the process of rebuilding yet, then this won’t concern you much. Settlement of your debt has a negative impact on your credit score, and can take years to rebuild from.

Lastly, always be sure to work with a reputable and trusted online credit card debt consolidation company. There are many services fighting for your business, some promise more than they can deliver. There are companies that have earned their trust over many years through hard work and service to people just like you, stick with them for your next consolidation loan.

Oakley – The Fusion of Science, Art & Expanding the Brand

Oakley, Inc. has long since been one of the leading sports brands dedicated to the fusion of science and art through its innovation in their products. Because of its huge success, it comes as no surprise that Oakley, Inc. would expand into the creation of other brands. These brands are the leading ones that you would find in the company's company portfolio:

Dragon – This brand actually has its roots dating back to 1993 in Southern California, with primary focus on the youth and its culture. Its influences come from the street and music culture rampant in today's youth, which are heavily accentuated into the products and eyewear the brand is very famous for. In fact, when you look at the goggles, sunglasses, and other accessories distributed by Dragon, you can certainly get in touch with the lifestyle and preferences of today's youth. At present, Dragon's products are distributed in over 45 countries worldwide, with a vast number of core retailers to its name.

Eye Safety Systems (ESS) – The designs developed by ESS are very popular, especially in the ranks of the military, police officers, and firefighters. This is because the designs boast of advanced eye protection systems of the optimum level. Such quality has made ESS the leading brand and supplier of eyewear for the US military. The great thing about ESS designs is that these were conceptualized for the most hostile environment possible, so peak performance and eye safety are guaranteed by these products.

Fox Racing, Inc. – The typical apparel for the motocross industry just would not be complete without protective goggles and eyewear. This is the forete of Fox Racing, Inc. Its innovative designs spell quality for all motocross enthusiasts all over the world. Because of the strong demand for Fox Racing sunglasses and goggles, more and more motor sports specialty retail stores have been distributing Fox eyewear worldwide. Oakley, Inc., of course, distributes these products as well.

Oliver Peoples – Oliver Peoples was actually co-founded by designer and optician Larry Leight way back 1986. In a short span of time, the brand has expanded its market to over 45 countries all over the world. In fact, 5 major retail stores are currently being operated by the brand in Tokyo, Costa Mesa, Los Angeles, and New York. New York actually has two retail stores in operation for Oliver Peoples. What's more, there are so many celebrities on the silver screen who wear Oliver PeoplesĀ® eyewear, making the brand all the more popular and prominent. Truly, with Oliver PeoplesĀ® eyewear, you enjoy the impressive mesh of both aesthetics from the olden days and finesse of the modern day.

Scottsdale Culinary Arts School

Getting a formal education for whatever career you want to pursue allows you to get a secured position in the industry. But to succeed in any field, your mind should be in tune with what your heart desires. It's true, is not it? How can you last in a job that you are not happy doing? This also applies in the world of culinary arts. If you believe deep in your heart that your greatest passion is cooking, then you have a bright future in the food service industry.

Before you aim in getting a higher position in the industry, you should first get a formal education in culinary that many top culinary school provide, such as Scottsdale culinary school – the Scottsdale Culinary Institute or SCI. There is no better way to prepare you for a career in the field of culinary than taking the world-restructured courses included in the Le Cordon Bleu Culinary Arts program. The institute gained its international popularity from the quality culinary programs of Le Cordon Bleu in culinary or patisserie and baking. SCI is accredited by the Accreditation Commission of Career Schools and Colleges of Technology and the Culinary Arts Program is accredited by the American Culinary Federation Educational Institute Accrediting Commission.

This top Scottsdale culinary school, SCI, offers degree programs that prepare students for an exciting and rewarding career in the field of culinary arts. With a stern emphasis on hands-on training, the school's programs provide graduates with a degree and the experience to immediately advance in their careers. Beside the student study center and library, the campus houses 8 kitchens, bakery, and meat shop- all equipped with the latest culinary equipment in the industry, enabling the students to keep up with the modernization of today's food service establishments.

To help you set your goal in the food industry, here are some of the Culinary Arts and related courses of study and degree programs of Scottsdale culinary school:

Associate Degree of Occupational Studies in Le Cordon Bleu Culinary, which can be completed in as early as 15 months and an externship that will last for 3 months at a food service establishment of facility of your choice.
Bachelor Degree in Le Cordon Bleu Culinary Management, an advanced program of Scottsdale culinary school that provides advanced culinary education together with the management and communication skills required managing a restaurant. If your goal is set in a way that you run a business in food service industry, this program of Scottsdale school of culinary arts is the best for you.

Associate Degree in Le Cordon Bleu Hospitality and Restaurant Management, a combination of culinary arts program with practical knowledge of restaurant and guest service operations, which prepares students for entry-level positions.

What Makes a Fine Wedding Portrait?

Your wedding is bound to be one of the most memorable days in your life. Even when the privilege of having a portrait made was reserved only for the very wealthy, people often did their best to have some sort of reminder of their big day, even if it was a simple daguerreotype, sketch or miniature. Today, couples are far luckier. They can have a wedding portrait made quite easily, and even have it customized to suit their fancy.

Having a wedding portrait painted in oil is one great way to ensure that your wedding is immortalized in a medium that is more lasting than paper. It is also an excellent piece of interior decor that you will be proud to display in your living room for many years to come.

But what exactly are the ingredients for a fine wedding portrait? The answer, of course, can simply be a matter of personal taste. It often depends heavily on how the couple perceives themselves. For some people who have no-fuss, happy-go-lucky personalities, a good portrait painting can be one that shows them in a relaxed, casual pose that is imbued with a little humor.

Meanwhile, some couples would prefer a wedding portrait painting that is more classic and formal. This is a sensible option, because people do not stay twenty-five forever. The day is bound to come when you're older and more serious, and when it does, a formal portrait makes a better display piece than a casual one.

Whether you prefer a casual wedding portrait or a formal one however, a good portrait painting should tell a story about who you are as a couple as well as be a faithful likeness of you and your partner. It is always a good idea to make sure that your artist documents your clothes, jewelery and flowers. This is especially important if you're wearing family heirlooms or designer pieces. Of course, the artist should also be able to capture the looks on your faces – these expressions are priceless reflections of the pride and joy you and your partner feel at finally being committed to each other for the rest of your lives.

A fine wedding portrait painting should also tell a story. The artist can accomplish this by the composition he chooses for your picture, the lighting, the poses and even the props and backgrounds he uses in the picture.