Sketching Your Payment Plan

When you are starting the debt settlement process, the most crucial part is to sketch your payment plan well. First, you have to be able to make the regular payments, and second, the creditor has to agree with it.

To sketch an optimal Payment Plan that will get you out of debt, you will need to follow the next steps one by one and review each topic thoroughly.

1. Interest Rate Negotiation: it is one of the most important parts of the plan because a successful interest rate negotiation can and will save you a lot of money. Try to reduce as much as you can in order to reduce the principal debt amount. Your interest rates could get eliminated if your payment plan ranges in a 6-month period.

2. Automatic Savings Deposit: you will need to setup your checking account to automatically transfer money to your savings account. When you accumulate a substantial amount of money, the debt settlement program can be closed for one of the accounts.

3. Old resources may be helpful: make use of old savings accounts, stocks, bonds, mutual funds and any kind of investment to negotiate. By using a large sum of money you could achieve up to 60% of savings, .

4. Ask friends and family for help: do not feel ashamed to ask for help among your circle of friends or your family members. This is a great way to raise funds in order to negotiate a good deal.

5. Insurance policies: you can always use a percentage from your insurance policy to repay your debts. The great thing about it is that you do not have to repay it. Even better, the withdrawn amount is deducted from the policy.

6. Using your assets: if you have valuable assets, sell them to obtain funds. Having lots of assets may be a problem if you ask for Debt Settlement because the creditor could get the entire debt amount without giving you any reduction.

7. Procure an extra income: whenever you can, try to find a second job to increase your income. In doing so, you can reach the Debt Settlement requirements, and you can also start saving money to complete the debt settlement for certain accounts. A saving plan can also be very helpful in the long term. You can always count on the saved money to bargain for a major reduction on your debts.

Above all, we recommend people always look for professional help because counselors know the collection agencies and the creditors. That is why they have an edge during the negotiation process and will surely get you the best debt settlement plan in order to achieve the ultimate goal: become debt free. Start the process right now and see for yourself that you can become debt free once more.

Fill out our short on-line form and let us show you how Debt Settlement can stop harassment from collection agencies and can also solve your debt problems.

Check these links to learn more:

www.curadebt.com/debt/debt-free-debt-consolidation.asp

www.curadebt.com/credit+card+debt+relief.asp

Debbie White is a contributing writer to www.curadebt.com and is currently writing some special articles to guide business on how to manage debt and avoid bankruptcy. For Free Payment Plan Information and Debt Help Consultation, call toll-free 1-877-850-3328

Anti Aging Benefits Of Stretching Exercises| Why Stretch Muscles?

In many exercise programs, be it weight lifting for building and toning muscles or cardio vascular exercises for increasing stamina and to lose weight, most people do not perform enough stretching exercises even though stretching exercises can be performed by anyone at any age unless that person has some physical restriction to stretch. What is worse, many people do not even stretch before and after exercising. Unknown to most people, stretching also has anti aging benefits.

?Benefits of stretching exercises for muscle growth

Stretching is an important aspect of exercising and should be a part of any exercise routine and program. There are many wonderful benefits when you perform regular stretching exercises. Stretching exercises not only help you to warm up and cool down before and after your workouts, it can and will actually help your muscles to grow bigger and stronger too. Don?t believe me? Then read on.

Stretching exercises help muscle growth because stretching lengthens your muscles and thus giving your muscle fibers a greater range of motion when lifting weights. So in effect, it recruits more muscle fibers and thus causing your muscles to grow stronger and bigger from your weight training.

By stretching your muscles after an intensive workout will reduce muscle soreness commonly known as DOMS (delayed onset muscle sore) which usually occurs a day after your workout.

Performing stretching exercises before your workout or before a physically demanding sporting activity will also decrease your chances of sustaining injuries and muscle cramps which will certainly destroy the joy of your activity.

When you stretch regularly, stretching exercises will help you gain agility which will make your daily chores much more pleasant and if you play sports, you will notice your agility is much better than others who do not stretch. This will put you in a more beneficial position against your opponents.

?Anti Aging Benefits Of Stretching Exercises

If you are a baby boomer and age is catching up, this agility will make your life so much more pleasurable because you will be able to avoid stiff muscles and stiff joints unlike your peers who do not stretch. You will be more mobile, agile and suffering from less pain associated with aging and stiff body parts. These anti aging benefits from stretching regularly are priceless. Benefits that money can never be able to buy.

What is more, you can stretch anytime any where as and when you like. Stretching exercises need not be limited as a pre and post workout activity. So start a stretching exercise routine soon and make it part of your everyday lifestyle. You will surely enjoy the pleasures and anti aging benefits that a regular stretching routine can bring you.
Chris Chew is a fitness personal trainer of actors, pageant winners, fashion models and other celebrities. His websites Enjoy Fitness and Great Health Forever and Fitness Trainers In Singapore