Kenya government fires health worker strikers over failure to ‘report back to work’

Saturday, March 10, 2012

The Kenyan government has dismissed 25,000 striking health workers, mostly nurses, citing failure to heed government orders to recommence work and concern for the welfare of hospital patients. Speaking on behalf of the government, Alfred Mutua stated the workers were dismissed “illegally striking” and “[defying] the directive … to report back to work”, which he called “unethical”. The government asks that “[a]ll qualified health professionals, who are unemployed and/or retired have been advised to report to their nearest health facility for interviews and deployment”, Mutua stated.

The workers, who had been on strike for four days, were wishing to have improvements made to their wages, working conditions, and allowances. The strikes have caused a significant number of Kenyan hospitals to cease operations. According to Kenya Health Professionals Society spokesperson Alex Orina, the average monthly wage plus allowances for health workers in Kenya is KSh25,000 (£193, US$302 or €230) approximately. With an increasing number of reports of patients neglected in hospitals emerging, two trade unions met with the Kenyan government yesterday and negotitated a return to work, although a significant proportion of demonstrators defied the agreement, The Guardian reported.

Orina told Reuters the dismissals were “cat-and-mouse games, you cannot sack an entire workforce. It is a ploy to get us to rush back to work, but our strike continues until our demands are met”. Frederick Omiah, a member of the same society, believed the government’s actions would “make an already delicate and volatile situation worse”, expressing concern that demonstrations may continue in the capital Nairobi, amongst other locations. Kenya Medical Practitioners, Pharmacists and Dentists Union chairperson Dr. Victor Ng’ani described government actions as “reckless”.

Mutua said the health workers were “no longer employees of the government” and had been eliminated from the payroll. While Ng’ani told the BBC of difficulties with finding other workers as skilled and experienced, Mutua reportedly stated that this would not be an issue. “We have over 100,000 to 200,000 health professionals looking for work today,” Mutua commented. “There will be a lag of a day or two … but it is better than letting people die on the floor, at the gate, or suffer in pain”.

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Pick The Right Halloween Costume For You, And Bring Out Your Fun/Scary Side This Halloween Season!}

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Pick the right halloween costume for you, and bring out your fun/scary side this Halloween Season!

by

Groshan Fabiola

That one special night in October is the one opportunity we all have to dress up and be anything or anyone we want to be. It is ok to be silly, scary, sexy, or to live out a fantasy for this one evening, and everyone understands because everyone else wants to do the same. What is your pleasure this Halloween?

Take a moment to examine each aspect of your personality. Maybe there is another personality that you only let out a bit. The frivolous, silly, adventuresome aspect; the one that reflects the inner child we all have. Figure out which Halloween costume fits your personality by exploring all of the choices online at your favorite Halloween costume website.

[youtube]http://www.youtube.com/watch?v=kC-NFqX1b5s[/youtube]

Dont wait too long to decide on a costume this Halloween season, the popular ones go fast. Decide well in advance of Halloween. You can rent or buy an adult, child, teen, or infant Halloween costume anytime of the year. One idea is to pick a theme for the whole family. On hand are Disney chartaters and movie themed costumes for every age and size. Pirate costumes are a popular choice due to the new movie. Another choice for the family would be a fairy-tale or a historic theme costumes, such as pilgrims or the royal court. There are even costumes for your pets.

Explore your options for adult costumes, and you will find the one to best match your personality. Perhaps you have a superhero ultra ego. How fun would it be to put in an appearance at the office or a party as Superman or Spiderman or Black Spiderman. Of course, for the ladies, there is Wonder Woman or Bat Girl. Many come with muscles, wig, and shoe covers to complete the outfit. Any one of these superhero costume could be amusing and express your personality.

Another good choice is to come as a favorite movie, television, cartoon, or book character. The Harry Potter costumes, for example, are amazing. Available too are adult sexy costumes for the bolder or more fit party goers.

For the conservative, buy or rent a Halloween accessory like a wig, hat, or mask. There are several choices of canes, ties, jewelry, and capes. Even make-up or false teeth, noses, and beards, can express a new you.

Be part of the fun this Halloween. Take the time to explore yourself and your Halloween costume choices.

Buy Adult Halloween Costumes, Children’s Costumes even Pet Costumes securely online or in our Halloween Costume Store!Adult Halloween Costumes, Children’s Costumes and other Halloween News about the Halloween industry and our Halloween Costume Store!

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Pick the right halloween costume for you, and bring out your fun/scary side this Halloween Season! }

Pennsylvania man named in alleged terror plot

Tuesday, February 14, 2006

Michael Curtis Reynolds, 47, from Wilkes-Barre, Pennsylvania, is accused of trying to work with al-Qaeda, according to the FBI.

The Phildelphia Inquirer has reportedly obtained court transcripts from Reynold’s Rule Five hearing, before a federal magistrate judge in Pocatello, Idaho that revealed a “convoluted plot” that also includes cyberspace intrigue, an FBI sting, and then an exchange of money in Idaho. Reynolds was represented by Federal Defender, Nick Veith, at the hearing.

According to the transcripts, FBI agents say that Reynolds was plotting to blow up the Alaska pipeline, another pipeline in Pennsylvania and a refinery in New Jersey, with a person who he thought was an al-Qaeda operative. It is also reported that he had planned an attack against Standard Oil Co. in Perth Amboy, New Jersey and Williams Refinery in Opal, Wyoming. However, the Standard Oil refinery, now Chevron, does not exist anymore. The refinery had closed more than a decade ago. All that remains in its place is an empty field. Armada Hess is the only active refinery in Perth Amboy.

So far, Reynolds has not been charged with terrorism.

However, a prosecutor in Reynolds’ December hearing said that, “he tried to provide material aid to al Qaeda.” The prosecutor also said the case “involves a federal offense of terrorism.”

A municipal judge from Conrad, Montana, Shannen Rossmiller, 36, led the FBI to Reynolds by posing as an al-Qaeda operative. Reports say that Rossmiller was looking through terrorist websites when she came across a post by Reynolds who was seeking $40,000 that he would use to buy fuel trucks that would blow up refineries in New Jersey, Wyoming and part of the Alaska Pipeline. After six-weeks of e-mailing each other, Rossmiller agreed to pay the money, and set up a meeting with Reynolds in Pocatello, Idaho. It is reported that after the plans were made, Rossmiller then contacted the FBI who then set up a sting operation, two months ago, against Reynolds. “I feel compelled to do what I can and I know that I have an ability to do something. I’m out for the hunt,” said Rossmiller.

Rossmiller started to look through terror websites just after the September 11 terrorist attacks in NYC. She has read the Koran, studied the radical Islamist lifestyle, and learned just enough Arabic to lurk around in terrorist related chat rooms and “ensnare” the extremists. She also said that he has “assumed several the identities of more than two dozen male personae on the Internet,” and was also part of “a large number” of cases involving the hunting of terrorists. Court records also show that Rossmiller had posed on the Internet as an Algerian terrorist to “befriend” Ryan Anderson, a Muslim convert and a member of the National Guard from the state of Washington, who wanted to hand over information to al-Qaeda on how to destroy Army tanks and humvees.

Assistant U.S. Attorney John C. Gurganus Jr. said, according to transcripts, “he (Reynolds) was doing it as a plan to disrupt governmental function, to change the government’s actions in foreign countries, and to impact on the national debate about the (Iraq) war.”

Reynolds denies trying to work with al-Qaeda and stated that he was “a patriot seeking to expose an al-Qaeda cell inside the United States.” Philip Gelso, Reynolds’s attorney, has not commented on the case.

Authorities searched Reynolds’ home and took his computer as evidence, and some documents allegedly spelling out his terror plots. According to Gurganus, in e-mails on his computer, Reynolds “described what explosives should be used (in the attacks) and where they should be placed.” Gurganus also told the judge that Reynolds, “knew the plots could get him the death penalty as a traitor and that he would have to leave the country immediately once they were carried out.”

According to the British The Inquirer, Microsoft was issued a subpoena last month to allow the Department of Justice access to Reynolds’ hotmail account.

Reynolds has been in Lackawanna County jail, held without bail, since December 5, 2005, when he was arrested about 25 miles from the Thunderbird Motel in Pocatello, Idaho for an unrelated weapons charge. He was charged with possession of an unregistered explosive device when authorities found a grenade in a duffel bag that was inside a home in Pocatello that Reynolds was staying at before he came to Idaho. The grenade charge carries a minimum sentence of three to seven years, to be served in a federal prison. On December 20, a jury indicted and charged Reynolds with two counts of unlawfully possessing hand grenades.

Reynolds pleaded guilty to attempted arson in 1978, a misdemeanor and menacing. He was sentenced to a conditional discharge. He has also been previously convicted of disorderly conduct, resisting arrest and breach of the peace.

The Times-Tribune received a letter on the 13th that used Reynolds’ return address at the Lackawanna County Prison and bears a rubber stamp as used to mark outgoing mail from the jail that detailed Reynold’s denial of ties to al-Qaeda. The letter is postmarked with a date of February 10th, before the Philadelphia Inquirer story was published.

Titled “Patriot Games,” the letter’s content addresses the charge regarding the grenade found at his residence in a comment stating that it was planted there “by someone known to myself and to the FBI.” In denial of work for and also in denial of any desire to work for al-Qaeda, Reynolds wrote that “I know what losses terrorists inflict on people. I would never work to assist them or harbor any,” referring to his claim of a colleague being killed in the September 11 attacks on the Twin Towers.

In the letter Reynolds explains the investigation that he claims to have been working on to track “a person that I had believed to be a terrorist” and to expose them “once I had solid proof of who or where they operated from.”

Reynolds claims that his family founded Bedford Hills, New York in 1676. He further claims that he personally has given military service in the US Army, written a Military police handbook, trained SWAT and drug enforcement teams. He further claims to have been an engineer with military clearance and to have taught in Thailand as a first grade teacher and also an English teacher to Buddhist monks.

As an explanation for his prosecution, Reynolds has written that he believes it to have been due to his military service and that he believes the case would be dismissed provided a hearing in front of a judge.

When questioned as to the authenticity of the letter, prison warden Janine M. Donate said that the letter appeared to be from the prison.

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Pennsylvania man named in alleged terror plot

Tuesday, February 14, 2006

Michael Curtis Reynolds, 47, from Wilkes-Barre, Pennsylvania, is accused of trying to work with al-Qaeda, according to the FBI.

The Phildelphia Inquirer has reportedly obtained court transcripts from Reynold’s Rule Five hearing, before a federal magistrate judge in Pocatello, Idaho that revealed a “convoluted plot” that also includes cyberspace intrigue, an FBI sting, and then an exchange of money in Idaho. Reynolds was represented by Federal Defender, Nick Veith, at the hearing.

According to the transcripts, FBI agents say that Reynolds was plotting to blow up the Alaska pipeline, another pipeline in Pennsylvania and a refinery in New Jersey, with a person who he thought was an al-Qaeda operative. It is also reported that he had planned an attack against Standard Oil Co. in Perth Amboy, New Jersey and Williams Refinery in Opal, Wyoming. However, the Standard Oil refinery, now Chevron, does not exist anymore. The refinery had closed more than a decade ago. All that remains in its place is an empty field. Armada Hess is the only active refinery in Perth Amboy.

So far, Reynolds has not been charged with terrorism.

However, a prosecutor in Reynolds’ December hearing said that, “he tried to provide material aid to al Qaeda.” The prosecutor also said the case “involves a federal offense of terrorism.”

A municipal judge from Conrad, Montana, Shannen Rossmiller, 36, led the FBI to Reynolds by posing as an al-Qaeda operative. Reports say that Rossmiller was looking through terrorist websites when she came across a post by Reynolds who was seeking $40,000 that he would use to buy fuel trucks that would blow up refineries in New Jersey, Wyoming and part of the Alaska Pipeline. After six-weeks of e-mailing each other, Rossmiller agreed to pay the money, and set up a meeting with Reynolds in Pocatello, Idaho. It is reported that after the plans were made, Rossmiller then contacted the FBI who then set up a sting operation, two months ago, against Reynolds. “I feel compelled to do what I can and I know that I have an ability to do something. I’m out for the hunt,” said Rossmiller.

Rossmiller started to look through terror websites just after the September 11 terrorist attacks in NYC. She has read the Koran, studied the radical Islamist lifestyle, and learned just enough Arabic to lurk around in terrorist related chat rooms and “ensnare” the extremists. She also said that he has “assumed several the identities of more than two dozen male personae on the Internet,” and was also part of “a large number” of cases involving the hunting of terrorists. Court records also show that Rossmiller had posed on the Internet as an Algerian terrorist to “befriend” Ryan Anderson, a Muslim convert and a member of the National Guard from the state of Washington, who wanted to hand over information to al-Qaeda on how to destroy Army tanks and humvees.

Assistant U.S. Attorney John C. Gurganus Jr. said, according to transcripts, “he (Reynolds) was doing it as a plan to disrupt governmental function, to change the government’s actions in foreign countries, and to impact on the national debate about the (Iraq) war.”

Reynolds denies trying to work with al-Qaeda and stated that he was “a patriot seeking to expose an al-Qaeda cell inside the United States.” Philip Gelso, Reynolds’s attorney, has not commented on the case.

Authorities searched Reynolds’ home and took his computer as evidence, and some documents allegedly spelling out his terror plots. According to Gurganus, in e-mails on his computer, Reynolds “described what explosives should be used (in the attacks) and where they should be placed.” Gurganus also told the judge that Reynolds, “knew the plots could get him the death penalty as a traitor and that he would have to leave the country immediately once they were carried out.”

According to the British The Inquirer, Microsoft was issued a subpoena last month to allow the Department of Justice access to Reynolds’ hotmail account.

Reynolds has been in Lackawanna County jail, held without bail, since December 5, 2005, when he was arrested about 25 miles from the Thunderbird Motel in Pocatello, Idaho for an unrelated weapons charge. He was charged with possession of an unregistered explosive device when authorities found a grenade in a duffel bag that was inside a home in Pocatello that Reynolds was staying at before he came to Idaho. The grenade charge carries a minimum sentence of three to seven years, to be served in a federal prison. On December 20, a jury indicted and charged Reynolds with two counts of unlawfully possessing hand grenades.

Reynolds pleaded guilty to attempted arson in 1978, a misdemeanor and menacing. He was sentenced to a conditional discharge. He has also been previously convicted of disorderly conduct, resisting arrest and breach of the peace.

The Times-Tribune received a letter on the 13th that used Reynolds’ return address at the Lackawanna County Prison and bears a rubber stamp as used to mark outgoing mail from the jail that detailed Reynold’s denial of ties to al-Qaeda. The letter is postmarked with a date of February 10th, before the Philadelphia Inquirer story was published.

Titled “Patriot Games,” the letter’s content addresses the charge regarding the grenade found at his residence in a comment stating that it was planted there “by someone known to myself and to the FBI.” In denial of work for and also in denial of any desire to work for al-Qaeda, Reynolds wrote that “I know what losses terrorists inflict on people. I would never work to assist them or harbor any,” referring to his claim of a colleague being killed in the September 11 attacks on the Twin Towers.

In the letter Reynolds explains the investigation that he claims to have been working on to track “a person that I had believed to be a terrorist” and to expose them “once I had solid proof of who or where they operated from.”

Reynolds claims that his family founded Bedford Hills, New York in 1676. He further claims that he personally has given military service in the US Army, written a Military police handbook, trained SWAT and drug enforcement teams. He further claims to have been an engineer with military clearance and to have taught in Thailand as a first grade teacher and also an English teacher to Buddhist monks.

As an explanation for his prosecution, Reynolds has written that he believes it to have been due to his military service and that he believes the case would be dismissed provided a hearing in front of a judge.

When questioned as to the authenticity of the letter, prison warden Janine M. Donate said that the letter appeared to be from the prison.

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Newcastle, Australia man arrested for selling stolen jewelery online

Friday, August 4, 2006

New South Wales Police have arrested and charged a 39-year-old man from Warner’s Bay in Newcastle, on the NSW Central Coast after he allegedly stole jewelery from his employer and sold it on an Internet auction site.

According to police, the man stole over AU$100,000 worth of gold and diamond jewelery from a store where he worked and then sold them online. This is alleged to have occurred over a period of several months.

Police arrested the man at his workplace and found stolen items of jewelery at his home. Police charged the man with 34 counts of larceny as a servant or clerk.

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French teacher returns home after being held in Iran for ten months

Tuesday, May 18, 2010

24-year-old Clotilde Reiss, a French teaching assistant who had been detained in Iran for ten months, returned to France Sunday.

Iranian officials arrested Reiss as she was about to leave the country on July 1, 2009. The arrest came after she had attended a protest regarding the country’s elections, with the officials calling her a foreign spy. Reiss was in Iran for a five-month teaching position in Isfahan, and was later sent from Tehran‘s Evin Prison to the French Embassy on bail. During the trial, which included over 100 others thought to be trying to cause a coup, she pleaded not guilty and said that she only went to the protest because she was curious. Reiss was originally given two five-year sentences of jail time for spying and provoking unrest, but the sentence was reduced to a 300 billion IRR fine, or about USD300,000. Reiss’ lawyer said that the money was given on Saturday, freeing the young academic.

Reiss landed at Vélizy – Villacoublay Air Base Sunday afternoon. She met French President Nicolas Sarkozy at the Élysée Palace in Paris shortly after. Sarkozy later released a statement thanking the presidents of Brazil, Senegal, and Syria for aiding in Reiss’ return, but did not elaborate on the role each played.

The governments of both France and Iran have denied rumors that Reiss’ freedom was part of a deal involving two Iranians in France. One of the two, Majid Kakavand, was released a couple of weeks ago after France refused on May 5 to extradite him to the U.S. The other, Ali Vakili Rad, will likely receive parole and return to Iran later today. Kakavand had supposedly tried to give U.S. goods to the Iranian military, while Rad was responsible for the assassination of former Iranian Prime Minister Shahpour Bakhtiar in 1991.

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Al Sharpton speaks out on race, rights and what bothers him about his critics

Monday, December 3, 2007

At Thanksgiving dinner David Shankbone told his white middle class family that he was to interview Reverend Al Sharpton that Saturday. The announcement caused an impassioned discussion about the civil rights leader’s work, the problems facing the black community and whether Sharpton helps or hurts his cause. Opinion was divided. “He’s an opportunist.” “He only stirs things up.” “Why do I always see his face when there’s a problem?”

Shankbone went to the National Action Network’s headquarters in Harlem with this Thanksgiving discussion to inform the conversation. Below is his interview with Al Sharpton on everything from Tawana Brawley, his purported feud with Barack Obama, criticism by influential African Americans such as Clarence Page, his experience running for President, to how he never expected he would see fifty (he is now 53). “People would say to me, ‘Now that I hear you, even if I disagree with you I don’t think you’re as bad as I thought,'” said Sharpton. “I would say, ‘Let me ask you a question: what was “bad as you thought”?’ And they couldn’t say. They don’t know why they think you’re bad, they just know you’re supposed to be bad because the right wing tells them you’re bad.”

Contents

  • 1 Sharpton’s beginnings in the movement
  • 2 James Brown: a father to Sharpton
  • 3 Criticism: Sharpton is always there
  • 4 Tawana Brawley to Megan Williams
  • 5 Sharpton and the African-American media
  • 6 Why the need for an Al Sharpton?
  • 7 Al Sharpton and Presidential Politics
  • 8 On Barack Obama
  • 9 The Iraq War
  • 10 Sharpton as a symbol
  • 11 Blacks and whites and talking about race
  • 12 Don Imus, Michael Richards and Dog The Bounty Hunter
  • 13 Sources
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Boxing: Pacquiao downs Diaz in nine rounds

Sunday, June 29, 2008

Former United States Olympian boxer David Díaz surrendered his title as World Boxing Council Lightweight champion to Filipino, Emmanuel “The Pacman” Pacquiao in the ninth round.

Two minutes, twenty four seconds into the ninth round, Pacquiao knocked down Diaz to become the first Asian in boxing history to win four different titles.

Prior to winning the WBC Lightweight title, Pacquiao who hails from General Santos City in the Philippines was WBC super featherweight and flyweight champs and also holds the IBF super bantamweight crown, simultaneously holding the title of the super featherweight for Ring Magazine.

Way before the prized fight happened at the Mandalay Bay Hotel in Las Vegas, Nevada, Pacquiao’s chances of trumping Diaz was high, out classing Diaz.

Pacquiao was aggressive at the very beginning showing off how his right hand has improved.

Pulling a lefty on Diaz on Round 4, bruising and later causing the Mexican-American’s nose bridge to bleed. During Round 6, referee Vic Drakulich paused the fight to have Diaz’s bleeding nose checked.

Diaz was heard saying in his corner that, his (Pacquiao) punches were “too fast.”

Seeing that Diaz was not letting up, Pacquiao delivered punishing blows in succeeding rounds and a one-two punch hurled Diaz down to the canvass, ending the match in favor of a victorious Filipino.

The Filipino boxer’s record now stands at 47-3-2 with thirty six victories was won as a knockout while Diaz now has his second career-loss in his 34 win record.

Pundits added a new title to Pacquiao, after grabbing titles from four Mexican fighters, he is now being called, “The Mexi-cutioner.”

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Can I Play Golf With A Herniated Disc?}

Submitted by: Patrick Foote

Should someone with a diagnosed herniated disc play golf? The short answer: probably not. As with so many medical conditions, however, there is a caveat to that answer. Not all herniated discs produce symptoms, and those that do might not be debilitating. And even though it may seem counter-intuitive, eliminating physical activity is not necessarily a good way to respond to neck or back pain associated with spinal nerve compression. That said, common sense dictates that someone suffering the effects of a degenerative spine condition should think carefully before hitting the links.

Doctor-Patient Communication is Key

Of course, if youve already been diagnosed with a herniated disc, chances are you know that the nerve compression symptoms associated with the condition (pain, tingling, numbness, weakness, spasms) usually can be managed with a regimen of conservative (non-operative) treatment. If youre an avid golfer, theres even a chance you may have asked your doctor to gear your treatment plan toward getting you back on the course as soon as possible. You may have been prescribed a course of nonsteroidal anti-inflammatory drugs (NSAIDs), painkillers, and muscle relaxants, or you may have been sent to a physical therapist to work on improving your body mechanics and posture. Either way, once youve begun your course of treatment, its vital to maintain an open line of communication with your physician. Let him or her know what works and what doesnt, and be sure to report any changes for the better or for the worse in your symptoms.

[youtube]http://www.youtube.com/watch?v=EJK4RuUz0yI[/youtube]

Ways to Avoid a Herniated Disc

The aging process takes a toll on the intervertebral discs, and over time the discs can dehydrate, become brittle, and lose height. If a discs outer wall becomes torn, the gel-like inner nucleus material can leak into the spinal canal. This is a herniated disc. How does a discs outer wall become torn? It can be a product of everyday wear and tear, but the twisting, turning, and bending associated with sports like golf also can accelerate the process. In order to avoid the onset of a disc herniation, its important for golfers to physically prepare themselves to play. That means proper stretching, a warm-up period on the range, and even focusing on general physical fitness away from the course.

Many golf pros recommend regular trips to the gym to maintain the physical fitness required to enjoy the game for life. Weight training, reps on an elliptical machine, laps in a swimming pool, and time on a treadmill are all good ways to attain peak physical condition. The only caveat? Always consult with a physician before beginning a new exercise regimen.

Fortunately, symptoms from a herniated disc usually subside after a few days or weeks of conservative treatment. However, if chronic symptoms persist after several months of treatment, or if the herniated disc causes a rare emergency situation like cauda equina syndrome, surgery might become an option. Talk to your doctor about your limitations if you are diagnosed with disc herniation, and be sure to research all of your surgical options if conservative treatment proves ineffective.

About the Author: Patrick Foote is the Director of eBusiness at Laser Spine Institute, the leader in endoscopic spine surgery. Laser Spine Institute specializes in safe and effective outpatient procedures for the treatment of

herniated discs

and several other spinal conditions.

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How To Get A Debt Consolidation Loan When Your Debt To Income Ratio Is High

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By Sean A. Kelly

A debt-to-income ratio (DIR) is a ratio used by lenders to determine a consumer’s ability to repay a loan. Most lenders look for a DIR well below 50 percent, even lower if you are applying for a secured loan–like a mortgage or home equity loan. If you have a high DIR, there are ways to reduce this ratio so as to qualify for a debt consolidation loan. A debt consolidation loan is much like any other loan you would get. The interest rate and the terms of the loan are closely tied to your credit score and your credit report.

There are no down payments to make to a debt consolidation loan, so your interest rate is more closely tied to your situation that it could be with a different kind of loan. The purpose of visiting a debt consolidation professional is to determine what is the best debt consolidation loan for your situation, and what kind of program your debt consolidation agent and you may put together. There are basically two types of debt consolidation loans; the secured debt consolidation loan and the unsecured debt consolidation loan. Your debt consolidation organization can help walk you through the differences between the two and they can also analyze your situation with you to determine which debt consolidation loan is the best for you to purchase. The debt consolidation company will use factors such as your credit score, your debt ratio, and your credit history to determine which kind of loan best suits your situation. Once the loan type is determined, the next set of parameters to outline is things such as the interest rate and the term of the loan. Your debt consolidation professional will work with you and your monthly budget to put together a program that you can afford and will help you pay off that high interest debt once and for all. In the end, the goal is to get your high interest debt into a situation that is more affordable for you which will free up your cash flow and allow you to purchase the things you need for your every day life.

[youtube]http://www.youtube.com/watch?v=4A2xam0h9E8[/youtube]

If you are like the thousands of other American families, the economic crisis has hit you hard as well. With unemployment so high, many families have felt the financial impact of being without a job, or at least losing pay. This can put a huge strain on situations that were manageable in the past. The deficit is generally eaten up by credit cards, and unsecured debt loads are skyrocketing. To get out of this vicious cycle, you have likely considered ways to consolidate credit card debt. What are the best ways to consolidate credit card debt? If you have several credit cards with outstanding debt, try to transfer the amounts to one card. Find out which one has the lowest interest rate and whether you can transfer the whole debt to it, or look for a new card with a low introductory rate that won’t expire before you can pay off the debt. Many credit card companies offer balance transfer specials, making it easier to consolidate your debt with them. Using a personal loan to consolidate your credit debt can help your credit rating, and lower your overall credit debt obligation. Secured loans and unsecured loans are two kinds of personal loans to consider. A secured loan is backed by your personal property known as collateral. Your bank will determine how much value your collateral needs to be to get the loan, and you must prove that your personal property is paid for before you can use it as collateral. An unsecured loan does not require any collateral, and is offered to people with good to excellent credit ratings. A home equity account is another option to use when consolidating credit. It is best to use a home equity loan rather than a home equity line of credit to consolidate debt because you can get a fixed rate on a home equity loan. The interest rate on a home equity line of credit is normally variable, and this may wind up costing you more than the individual credit accounts were costing you before consolidation.

Credit card debt consolidation can provide the financial breathing room you need while you are getting your financial act back together. One of your most viable and likely options is credit card debt consolidation. You can find free or very low cost credit card debt consolidation services at many companies, some of whom even have a dedicated staff that will work with you to explain to you how it works and how things happen. Understanding how credit card debt consolidation works and what it can do for you can save you a lot of time and money.

The interest rate charged by credit card debt consolidation company may not be the lowest in the world, but it is almost certainly better than what your credit card issuers were charging. It is a great relief for you when you pay a single interest rate on your debt consolidation loan instead of multiple different credit card interest rates. With a credit card debt consolidation loan, you have accomplished several positive things. First of all, your single monthly payment on the debt consolidation loan is going to be less, perhaps even far less, than the sum total of what you were paying on all your credit cards. This should hopefully give you the financial breathing room you need to get back on track. Secondly, it does not tarnish your credit history or your credit score like a bankruptcy would, or as credit card charge-offs would. As far as the credit card companies are concerned, you are making payments on time with the minimum payment due or more, and they are happily reporting you as current and on time to the credit bureaus.

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debt consolidationbest ways to consolidate credit card debtcredit card debt consolidation

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