Y Crazy Mind

Whether credit card consolidation — the act of turning multiple separate debts into a single monthly payment at a reduced interest rate — is a viable option for you depends a lot on your credit rating. Generally speaking, borrowers with good to excellent credit have the best chance of qualifying for the most competitive consolidation products with the lowest interest rates.  In other words, if your debt load has already affected your ability to stay on top of payments or to keep your credit utilization rates low, consolidation may not be your most feasible option.  Thankfully, there is a wide range of debt relief options available for all kinds of situations. Start by looking into these alternatives to credit card consolidation in America . Try a Credit Counseling Program Eliminating debt can be a lot easier when you have someone on your side, which is where credit counselors can help. These qualified experts are available to help you evaluate your budget, discuss your financ...

When you have the blessing of cash inside your pockets, expect house offers piling up onto your doorstep. Having cash on-hand makes it easier for the seller to close on a house faster without financial troublesome such as bank approval, underwriting process and the likes. A cash offer is pretty self-explanatory; the home buyer offers a seller the full purchase price of the house with no other type of financing included. Here are some details what makes a cash offer different:  1) To Appraise or Not To Appraise A cash offer has no middle man or a bank that requires a home appraisal. Appraisal often slows the home-buying process which makes it harder for the sellers to immediately close the transaction. It is up to the cash buyer to consider getting an appraisal for the benefit of oneself or skip it. 2) Benefits For Two The underwriting process for a mortgage loan often takes a month or two of the home-buying process. Through cash, this could benefit both the buyer and the seller....

Did you know that  giving gifts can make you  feel happy? If you want to learn how to customize a gift for your family and friends, we can help. In this guide, we’ll go over tips on making gifts for your loved ones this year. Want to learn more? Keep reading. Personalize a Pair of Mittens Knit accessories are a popular winter gift. If you can't crochet or knit, you could still personalize a pair of cozy mittens. Try monogramming the initials of your loved one on the mittens. You can use baker's twine to form the letters onto the mittens. You could also do this on a hat or scarf. Create a Bread Board Do you have basic woodworking skills? Consider surprising the baker or chef in your life with a homemade breadboard. You can use reclaimed wood. Look online for a simple design to follow. Bake Homemade Treats If you don't like to craft, you could make desserts instead. Some people prefer to fill a gift box with a variety of baked goods. You could make a delicious cake or cheesec...

  When trying to find the best gaming laptop, many turn their eyes to the fastest laptop under 1000. After all, contemporary PC games are hefty, complex applications that require impressive video graphics, audio output, and processing speeds. This brief guide will illuminate everything you need to know when searching for the fastest gaming laptops under 1000 dollars. We'll also present our top picks, helping you save time and start enjoying your new laptop faster than ever. What to Look For in a Fast Gaming Laptop Before we reveal our top picks for the fastest gaming laptops this year, we need to discuss a few of the most crucial aspects of any new laptop. Don't head out into the market without first familiarizing yourself with: CPU GPU RAM OS Resolution, Refresh Rate, and Size Battery Life Ergonomic Quality Price If you're comfortable discussing all of the above aspects during the shopping process, you're more likely to find and secure a high-quality gaming laptop at a...

Alvaro Balvin Benavides is a Peruvian composer based in Los Angeles. He is mostly known for his work on 'Chef's Table BBQ' and 'Street Food Latinamerica', both productions from Netflix. He is also known for his score for the award winning short film 'La Ruta', where he got a nomination for Best Score at the L'H Internationale Film Festival in Barcelona, Spain. And recently he scored the Student Academy Award Gold Winner (Student Oscar's) documentary 'Unfinished Lives' directed by Yucong Chen and produced by Kay Zhang (2020). Alvaro Balvin Benavides Tell us about your new release 'Belé'? When will it be premiered? Belé is a project i had in mind a long time ago and finally was able to put all the pieces together to make it happen. The composition fits a lot in an ambient genre, very calm and daydreaming kind of music, with a vibe from the 80s; it is made entirely with analog synthesizers, which are a passion of mine and reflect a lot m...