CMUThought Community Thought 100 day Challenge

Building a Community Smart Goal Setting 100 Day CHallenge

Tips for Taking out a Bill Consolidation Loan

Five years ago, people didn’t have as many financial worries as they do today. A comparison of the figures show that borrowing has reached an all-time high, probably because of rising inflation and expenses in these economically trying times. The problem is that taking out a debt or increasing the bill on your credit card is simple, but paying it off is extremely difficult because other expenses also have to be managed. When debts start piling up, people also have to end up paying interest on them. There are a multitude of options that people can consider when they have to pay off their debts. Taking out a bill consolidation loan is the first choice for many individuals who wish to get rid of their overwhelming debt quickly.


With a consolidation loan, a borrower is able to get some peace of mind from their financial problems. Even though this method will not eliminate financial debts completely, it will definitely help individuals in getting their debt organized. But, people also need to keep in mind that it’s not exactly easy to get these consolidation loans. There is a proper procedure that people should follow before they can actually apply for a consolidated loan. It is discussed here:

1-     The first thing that people need to do is to check their credit report and calculate their credit score. It is possible that negative items are entered incorrectly in the credit report and this can get your application rejected when you apply for a loan. People should ensure that all their debts are listed in the report. It is also necessary to determine whether the credit score is excellent, good or bad.

2-     The next step is to take inventory of the total debt that you have. This means creating a list of the balances that people owe or the ones that they wish to consolidate, along with the monthly payments and interest rates. This will aid people in identifying the debts for which they wish to take out a bill consolidation loan.

3-     Now it is time to research the different consolidation options that are available. Here is a complete list of options that can be used by people for consolidating their debt effectively:

  • Home Equity Loan: If people have equity in their homes, the easiest and most cost effective way to consolidate the debt is to redraw against the home loan. People need to keep in mind that a loan that’s taken after giving collateral will always have a low rate of interest, which will make it easy for people to manage repayment. However, they should also remember that this will put their home at risk and they will end up losing it in the scenario where they fail to repay their loan. Home equity loans are a good choice in most cases because they usually have better rates as compared to other options.
  • Credit Card Balance Transfers: It is also an alternative available to people, which allows them to roll their debt on a no or low interest credit card. In the period when a low interest rate is being charged, people will be able to benefit from substantial savings. Nonetheless, if people decide to choose this particular method when they opt to take out a bill consolidation loan, they should keep in mind that the no or low interest period is offered for a limited duration. This means that once this period is over, the interest rate will revert back to the one that they hope to avoid by consolidating the loan. Moreover, people also need to be disciplined and not use their credit card.
  • Debt Consolidation Loans: Personal lenders have also climbed on the wagon of debt consolidation and they are offering personal loans designed for this purpose. Monthly payments can be reduced in this way as these loans are usually offered at a low rate of interest and people can speed up the process of debt repayment in this manner. However, people should also keep in mind that they should pay as much as possible each month. If they opt to make minimum monthly payments, it is likely that they will be stuck with a consolidated loan for the rest of their life.

4-     People should decide on a particular method for consolidating their loan and apply for it accordingly. They should assess the requirements before doing so for ensuring that they meet the criteria. People should make it a priority of consolidating their high interest debts first and lesser ones later in case they can only consolidate part of the debt. Also, they should keep in mind that a bill consolidation loan should be seen as a way of finishing off debt and not to repay one debt with another as this will only deepen the hole.

Chose wisely for your wedding

By the time you get my age in life, you have had your share of weddings you had to dress up for. Each time I do it, I always think about the high school prom. I chose to not go to the prom; while I was in high school. I preferred to work at the time and wanted to make money. I would later on get my chance to go, when my high school girlfriend had her junior prom. I was lucky she gave me the opportunity to have a high school prom. Where I got to get the tuxedo, white stylish shirt, the cufflinks, and the whole 9 yards. Our wedding was simple, but yet the overall event was so much fun. We had friends that spent more time and money worrying about their wedding dress that it overshadowed the entire day.

wedding dressNow every time I have to dress up in a tux for a wedding, I always think about that high school prom. I know the weddings are free in most cases or very little costs. That prom I had over a decade back was pretty expensive. I usually have fun at weddings and that 1 trip to the prom. Have you had more than one opportunity to visit the prom? How do you rank getting dressed up for the prom, with dressing up for a friend or relative’s wedding? I guess if I had it all over to do again, I would pick the prom. The prom was really the first time I got this dressed up, so going back to that time period, means I would be very young again. And who wouldn’t want to go back in their younger years and relive an event?

In the end you need to chose wisely when it comes to your wedding day and both the bride and groom need to be active participants. Don’t believe the hype on all the details that are needed and remember that at the end of the day it will just be you and your partner who should enjoy this special day. You can get caught up in trying to pick the magical wedding dress or brides maids dresses, but after 10 years later all that will not matter. Plus in most cases people look back at what they chose to wear and wish they had been more conservative.

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What all should a Beginning Blogger keep in Mind?

People normally have a perception that blog writing is easy and a real good way to earn money. Yes it is the way they think but the story does not end here. Many start blog writing but only few are there who are able to connect with their readers. It takes a lot of time to create healthy relationship with your readers and other bloggers. Success in blog writing is not achieved overnight. People usually quit blogging because usually they are not able to earn even after working hard or there is no traffic to their blog and no comments on their blog.

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Promotion of the blog is as important as updating it with unique content. Mere hard work does not lead to success in blog writing. You must be innovative creative and smart too. It is very tempting to start a blog but you must take good care of the below discussed points:

1.     Be original

Your blog must be genuinely unique, original and attractive. It really matters that your blog represents you. You must take new stories with your unique twist and turn to it instead of copying the same famous news stories. People would never read the story discussed on any other blog or site. It seems to boring. You must try to give them your interesting opinion, conclusions and consequences.

2.     Research about blogging

If becoming a good blogger is all you want then you must research on great bloggers who had already proved their mark in the field of blogging. You must consider their views, advice and experience while blogging. New blogs could also help you. Normally a neutral blog is liked more showing two sides of the same thing.

3.     Consider writing style

If you think that putting hard English words, technical language or a formal one in your blog will improve your blog. Then you are really wrong, a blogger must use a language which is interesting, conversational easily understandable to all readers. Blogger should express his views. Though it depends on your topic like if the topic is technical then technical language will naturally be used but the readers still want their blogger to break that and be more conversational and interesting.

4.     Be creative

Even if you write pretty well you must consider that words alone are not the reason for a good blog. You have to be creative in making your blog look attractive. Images could add a sparkle and plus point to your blog. People are interested in seeing images rather than the text alone. Over usage of images can lead to great blunder but a good balance as all you need in your blog.

5.     Add a good title to the blog

Even if the content of the blog is relevant but a boring title could leave it unread. Your title must be tantalizing so that readers crave to read the whole blog. Your title must be short, simple and attractive enough to seek attention of people.

website design company stated that to be on the top of search engines you must only be capable of it rather trying other measures.

4 top personal finance technology trends in 2014

Personal finance can be defined as the management of finance by the person himself. Today there are tools which help a person manage their finance better with the help of technology. Often these technologies deal with the accounting or data management. Over the years personal finance tools have improved themselves. Some of the improvements in personal finance technologies are:


  • The user has given up keeping track of their finance through pen and paper and moved to a digital form, which not only facilitates record keeping but also provides many financial solutions to the user. One major reason why most users have readily accepted this technology is the ability of the modern personal technology to tell the user about the health of their finances.
  • The personal finance technologies have made the process of different types of record keeping easier. With the advancement in personal finance technologies the different books of accounts are only a click away in the same system. Thereby increasing the ease of use for the operator.

4 top personal finance technology trends in 2014 are:

Cloud computing

Cloud computing helps the user manage any information on a server from any remote location with a server enabled device. Put in simple terms the user can access the information on their laptops or desktops through phone and make any change they wish to the information and the changes are saved on the laptop and phone at the same time. This is possible because a certain file has been uploaded to the cloud server which can be remotely accessed. In 2014, cloud computing will take personal finance by storm as it will give users the opportunity to operate their accounts on the go allowing them to buy, sell or mortgage property from a remote location.

Smart phones:

With the dawn of the smart phone, the user can access the internet from any remote location. This has given the user power to manage their finances from any location on the earth. This facility has helped users to get all their finance data like pass book updating, cheque book clearance, and digital cheque and do all normal banking functions over the phone.

Store investment cards

Store investment cards are a relatively new concept. In this concept the user can invest a certain sum of money at one go or in installments over a fixed period of time, then the user can purchase goods worth a certain quantity more than the amount they have invested. Personal finance is greatly benefitted through this system as this allows the user to grow their money through the purchase of goods and services instead of getting monetary returns.

Loyalty debit/credit cards 

We all know what the function of a debit or credit card is- to pay money. Often times this concept is used for shopping from particular stores using these debit or credit cards. This is a personal finance technology that helps people save more money. But if you over spend with your card, there are get debt help that can help you.

Top 6 Car safety features

Now these days the vehicles are increasing constantly and due to this they have created the requirement of more safety features than the previous time. As cars becoming more efficient and faster these days, so they should be more occupied with the latest safety features. If you have more safety features in the car then you can sell your car easily and can get good resale value for your car.


1.     Electronic Stability control

If you are driving in winter, ESC is the most important safety feature for your is the most important feature if you are driving on the slippery roads. It helps the car to prevent loss of the control and crashes which are very common in the winter conditions.  It uses microcomputer and sensors to monitor the steering continuously. It modulates the power of engine or applies the brakes to help the driver of the car to maintain the control. In 2012 model year, it has been made mandatory by the government to install the ESC on all the vehicles for passenger. It has proven and become very effective to reduce the car collisions and crashes.

2.     Antilock Brakes

Antilock brakes are normally the part of ESC system and become standard equipment for the passenger vehicles in the year 2012. Antilock brakes generally use sensors which monitor the speed of wheels when you apply the brakes. If any of the wheel locks up, the ESC unit of the system releases braking pressure a couple of times in each second.  The main advantage of antilock braking system is on slippery and wet roads, which you most often encounter in the winter.

3.     Forward-collision avoidance

It is the most promising feature for car safety available in these days. This type of system use different variety of sensors, such as radar, light detection, cameras to detect vehicles. You will get the warning alerts when your car will approach to the danger zone.  The car will brake automatically, after an alert or warning. In most of the cases when the driver responds, these systems already pre-charge the brakes so that effect can be maximized and in case of no response from driver they brake automatically.

4.     Adaptive headlights

It helps on the curved and dark roads for the drivers and they can see better with these lights. They could also provide help during the rain and fog season. In BMW adaptive lights works using sensors that measure the speed and angle of the steering and based on the information sent by the sensors, headlights are adjusted automatically and fall on the road directly.

5.     Lane Departure Prevention and warning

It monitors the lane markings similar to forward-collision system. It alerts the driver of the car about the unintentional drift of lane. Some vehicles provide this indication through seat vibration and few provide by steering wheel and there are some more witch provide visual and audio warnings.

6.     Fatigue warning

Fatigue warning is generally of two types- one that monitors the eye movement or face of the driver and another which monitors behavior of the driver like steering changes and sudden lane change. When fatigue is detected, a sounding alarm is generated. If you want to learn more details please visit

Electrical problems? Not anymore!

Are you having any electrical work at home or office? Then do not handle that on your own as you may get into some trouble. Then what is the way out? Simply call any expert electrician in your area and your problem will no more a problem. If you are staying in the Annapolis area then you can ask the Annapolis Electriciansand they will get you all the required solutions. They are very expert and they can solve your problems using the skill and experience. Usually we all like to get the problem in minimum time. If the electrician takes much time then surely we are not going to like that. These electricians know the actual value of your time and they will do the work as fast as they can. More speed does not mean less quality. Though they work fast, they will do high quality work and you will not have any complaints.


Once you give them the contract then they will first come to your place, see the problem and then explain you about the problem. They will tell you what can be done, how much time it will require and what can be the total costs. Once you agree the costs the will start the work skilfully and finish quickly. Do not bother about money; they will do the work in very affordable costs. They can get you any services, installation, repair, anything. They have a huge range of services and for sure they will get to you what you exactly want to have.

You should not have doubt about the quality of the services as Annapolis Electricians can offer you the best quality services in the town. They can help you with any problems domestic or commercial or may be anything else. If you want your wiring work done or it may be the installation of new wiring then they can also help you as they have knowledge about the wiring as well. They are very happy to serve you any time and you can call them any time. They will happy serve you. They have know how about the safety precaution and hence you should not worry about the safety, they will do the work with safety. They will do the work fast so that you do not get tired and waste time. We are sure that you will like the services and will feel satisfied.  Whatever problems you have, they will solve quickly and they will get answers for all your queries.

So do you have any electricity related problems? Then do not worry the expert help and advice is with you. If you are staying in the Annapolis area then you can take the assistance of Annapolis Electriciansfor sure. They can get you solutions of many problems, installation, repairs, maintenance or anything. Now do not think about any other option and ask the professional! Call Annapolis Electricians and they will for sure take care of everything.

Top 4 Highly Demanding IT Certifications

Value of IT Certifications in competitive job market

The IT job market is boosting and growing because new and cutting edge technologies are being introduced to match the standards of the IT field. In this condition the beginners and the professionals are getting help from the IT certifications for accessing more secure designations with higher salaries. Higher salaries and the secure designations with continuous level of success is the only target of the IT professionals and both these requirements are being catered by the IT Certifications.


Yes, the IT certifications have proved to be the one source which can lead individuals towards higher salaries, secure job roles and growth in their fields. This is the reason why the beginners and the professionals take IT certification for refreshing and certifying their skills. The Selftest Training is the website which is helping and assisting the professionals for proper and accurate preparation of the certification exams so that they can successfully pass the exams. Today we will discuss top 4 IT certifications for validating skills.

1.       The Certified Information Systems Security Professional Certification

The CISSP Certification offered by the (ISC) 2 is regarded as the top most certification for fulfilling both the secure jobs and higher salaries in the IT sector. This certification basically focuses on the validation of the security management skills of the individuals on the most professionals. The certification is accepted by the best employers worldwide and in the 2014; it is estimated to prove more beneficial for the IT professionals because the security concerns of the systems have come on the major front.

2.      The Microsoft Certified Solutions Developers Certification

The MCSD Certification is regarded as the global standard for the IT professionals and they can gain a lot of advantages and benefits by getting this certification. The Microsoft Certified Solutions Developer Certification verifies and validates the skills of the individuals regarding the maintenance, implementation and development of the various solutions related to the web application, SharePoint and other applications. This is a very useful certification and can lead the individuals towards many secure designations as it is being accepted by the organizations and employers around the world.

3.      The Cisco Certified Design Associate Certification

The CCDA Certification is a very important and useful certification of the individuals who want to advance their career in the Cisco networks. This certification can offer endless career possibilities for the individuals as the Cisco networks are being widely utilized by the top organization and employer around the world. The candidates can definitely advance their career towards more secure and full of growth designations by accessing this certification.

4.      VMware Certified Professional Data Center Virtualization Certification

The VCP-DV certification offered by the VMware is considered as a milestone in the field of IT because the virtualization professionals are highly in-demand by the best employers of the world. The virtualization technologies offered by VMware are popular worldwide and are also being utilized on a much larger scale. In this situationthe professional level certification can bring lots of professional benefits to the individuals.



It’s a good decision to plan a trip to India and as if you are going there then you should be aware of the essential things that you carry with you to India. As per you are going there for the first time so you will not be aware of the fact that what kind of climate will be there in the country. Here are the tips that you can use while packing your bags for travelling to India.


  • CLOTHES:-It is a trend in many of the people who are travelling to India to shop in India for clothes so that they can adopt their culture in the most familiar way. Moreover they think that the dressing and clothes can be purchased at quite a cheap price in India. Now the cities like Mumbai and Delhi are becoming quite westernised and you can see people wearing jeans and T-shirts but in small towns and villages’ people still dress themselves in a conservative manner. It is preferred to keep your shoulders and legs covered while you are travelling to India


  • MEDICINES:- Medicine for a particular ailment with same active ingredients are available in India but to figure out the brand name will become a bit difficult. So, it is advised to carry all of your required medicine with you. It is recommended for you to bring an adequate amount of medicines that you can need on your way. Moreover the salts in the medicines can vary and it can prove harmful to you in one or the other way.


  • PERSONAL CARE ITEMS:- You can everything in India ranging from shampoo, conditioners, razors, condoms, deodorants and sanitary napkins but for having your particular brands you have to roam around different shops in the city but you will get it. You should carry your roll on anti-perspiring and mosquito repellent with you because western brands tend to be stronger than the Indian ones. It will be a good idea to pack your favourite hair products with you otherwise you has to compromise with what you will get.


  • MONEY:- Nowadays credit cards are widely accepted in the entire country and one can easily find out the ATM machines to withdraw the cash. At some visiting sites you can pay the fee in your currency, but the condition is that you should have the exact denomination with you. Indian currency is quite regulated outside so you cannot get it there, so carry some currency to exchange them in Indian rupee at the airport.


  • SHOES:- The Indian market is flooded with every kind of shoes. You will get what you will pay for. But you should carry a pair of sneakers, sandals and a comfortable pair of sturdy and comfortable pair of walking shoes with you. Moreover also carry a pair of dress shoes with you. If you will anything else than that then you can get it there in India quite easily and quite reasonable price.


These are the basic things that one should need to carry with them when they are travelling to India. If you want to learn more details please visit .

Do business reviews matter?

In today’s digital age, it is easier than at any time before to find out information about a company. It is easy to do a quick Google and see information on customer reviews
How they feel about the quality of the product and or service provided. The support and customer service that they received and if they would recommend you.
Almost all businesses have competitors and only a few negative comments can make the difference between a prospective client buying from you and going elsewhere. So ensuring that the information online about you is as positive as it can be is very important.


The best way to handle this is:-
A, Ensure that there is plenty of positive information about you that can be easily found.

To do this you need to ask your clients to leave reviews for your products and services. You can send out review requests when they check out of an online site or you can subscribe to some online services such as They will automatically send a review request to all your clients and publish any reviews given on their independent website. This will result in prospective clients having trust in the information that they read. You can also quote positive reviews on you website, in press releases and on your Facebook page. This will all help to get multiple search results come up about your company when Googled that are positive.

B, That you reply and address publically any negative feedback published about you.

If you use Trustpilot to take request client revises they will email the administrator copies of all reviews given. This will enable you to quickly respond to any negative feedback left for your business. As long as you do this in a professional way it will help to show how reasonable a company you are and that you act professionally, and the odd negative reviews helps prospective clients to believe the reviews are genuine. An example of this can be a travel agent getting a negative review when an airline charged their client excess baggage for taking an extra parcel to Indonesia with them on their flight. This would have been at the airlines discretion and nothing to do with the travel agent. Once this was explained, most potential clients would not have a negative opinion of the travel agent from the review.
You can set up a Google mention tracker alert, so that if your business is discussed online at a forum, you are able to know about it and get involved in the conversation.

C, Use good reviews as a viral promotion tool.

A recommendation about a business or service that comes from a trusted source within a person’s social or business network is far stronger than a one from an unknown source. So encouraging satisfied clients to inform their social and professional circle of influence about your business is very valuable. So ideally when they leave a positive review, you also want them to publish it on their Facebook page and share it by tweeting or blogging about their experience. Encouraging this type of viral promotion can get great results, especially for local businesses such as restaurants, domestic and international couriers and hotels to name but a few businesses where this is known to have worked extremely well.
Managing your online reputation is therefore very important and if you are able to follow the advice above you will be able to ensure prospective clients find positive information about you online and be regularly recommended. This will not only help you to get more work going forward, but also build a successful brand.

Spectacular Locations in Hawaii, USA

For those who love traveling and exploration, Hawaii should be your next destination on your agenda of places to visit. Hawaii- northern state in USA- is comprised of a diverse number of scenic islands which makes the visit even more adventurous. Additionally, the warm tropical climate of the area makes it much comfortable for exploring.


Hawaii prides itself in the fact that it is the only state in USA comprising of a wide range of islands. These islands are located on the central part of Pacific Ocean. However, this is not the sole reason for a large tourist turn up. The big factor is presence of a wide variety of beautiful scenarios.


Some of the most eye catching sceneries that will instantly blow your mind include;

Volcanoes of Hawaii national park

-This destination particularly favors sport, hiking and camping lovers.

-Its beautiful scenery attracts a large number of visitors annually. The estimated number being 3000000 visitors.

-The main tourist attractions in this area include; Kilauea- a famous active volcano and the huge active volcano of Mauna Loa.

However, before taking the travel, plan adequately to avoid problems. You can do this by making inquiries in the local visitor center in Kilauea.

Waipio valley

The entire state is comprised of extensive landscape spread-outs.

This destination is one of the greatest destinations you can think about.

The most spectacular sceneries include; cliffs measuring approximately 2000 ft, a waterfall at Kolahola ranges falling from a height of about 1200 ft.

An organized tour is essential in order to rip complete satisfaction from a visit.

A tourist enjoys muddy walks, lush surroundings and steep pathways.

Maui Island

This destination is a must-visit for scuba divers and hike lovers.

In addition, the islands have a wide variety of natural attractions such as scenic volcanoes, rain forests and numerous waterfalls.

For a change, visitors can opt to visit the historical village of Lihaina or a visit a nearby beach known as Waikiki- the beach is more relaxing at night.


This destination is among the rainy islands around Hawaii.

Suited for honeymoons and new weddings.

Visitors enjoy activities such as; canyon touring, snorkel cruising, tubing advantages, fishing tours, horse riding, kayaking tours to mention but a few.

Haleakala National Park


This is a destination that any visitor must find time to explore.

The most observable features are volcanic activities around the park.

For drama lovers and daring tourists, a visit to the peak at Kipahulu area is the perfect thrill.

However, this is the most tiresome journey you can embark on. The sole reason being the roads are very rugged.

The best scenes that can be viewed while standing at the summit include wide spread valleys, waterfalls and pools of fresh waters among other things.

-The fresh water pools offer swimming waters while the area generally is good for trail walking and hiking.

Before deciding to travel around to any destination of choice make sure you research around for what you want to experience as well as what you want to see. However, a Passport renewal is also a good idea. This ensures that you are on the safe side of the law and you can travel to any destination of choice around USA.