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In today's economic times, it is not uncommon for people to have a lot of debt; specifically, high-interest credit card debt. The average American has over $8,000.00 in credit card debt and is spending more than they are saving. The point here is that you are not alone, but you do need to break from this trend in order to move forward financially. Here are a few tips to reduce your credit card payments Combine your debts to the lowest APR rate possible.   Find out what interest rate you pay on each card and transfer your balances to the lower rate cards. This act alone can reduce your payments by hundreds of dollars. Negotiate better terms with your current creditors.   Companies including your credit card, mortgage and insurance companies want to keep your business. Many of them will agree to lower your interest rate if tell them you are thinking about leaving them. So call them up and ask them to lower your rate. Pay off the credit with the smallest balance first

Original Article written by Shakuntala Devi I received a message on my Friendster account the other day. It was one of those forwarded messages, the type I would usually scan briefly before hitting "delete". But this message, written in Bahasa Malaysia, started with a simple question that caught my attention A rough translation of it goes like this: "Have you ever watched your parents as they are asleep? Your father's body once big and strong but now, the big is withered and the strong weakened. Wisps of grey peek out of his hair, wrinkles now "scar" on his forehead and face." "This man works hard every day and would sacrifice anything to make sure his family is provided for and his children get the best education possible." "Or what about your mother, whose soft hands once cuddled and held you close when you were a baby? Now, those hands are dry and rough, bearing evidence of the challenges she faced just for us." "Thi

It is popular in Japan today to drink water immediately after waking up every morning. Furthermore, scientific tests have proven a its value. We publish below a description of use of water for our readers. For old and serious diseases as well as modern illnesses the water treatment had been found successful by a Japanese medical society as a 100% cure for the following diseases: Headache, body ache, heart system, arthritis, fast heart beat, epilepsy, excess fatness, bronchitis asthma, TB, meningitis, kidney and urine diseases, vomiting, gastritis, diarrhea, piles, diabetes, constipation, all eye diseases, womb, cancer and menstrual disorders, ear nose and throat diseases. METHOD OF TREATMENT As you wake up in the morning before brushing teeth, drink 4 x 160ml glasses of water Brush and clean the mouth but do not eat or drink anything for 45 minute After 45 minutes you may eat and drink as normal. After 15 minutes of breakfast, lunch and dinner do not eat or drink anything for 2 h