If you are like most brides to be, you will want to remember everything about your wedding as well as everything that is leading up to the wedding. You can remember the special time up until your wedding for years to come with a special custom engagement album.

Years ago, people only had wedding albums. Those who wanted to immortalize any milestones in their life did so either by putting photographs in an album or making a crude scrapbook. A wedding album was the only professional custom album that most people had because custom albums were so expensive. Some people could not even afford to have a wedding album and did without. On top of that, it would take a year to get the wedding album from the photographer.

Today, thanks to computers and software technology, things have certainly changed with regard to custom albums. Custom albums are no longer reserved for only weddings. They can be used for all occasions, including engagements, birthdays, holidays, special events, anniversaries and even Bar Mitzvahs. Computers make custom album design easy and affordable.

You can keep track of your engagement as well as your wedding shower and plans for your upcoming nuptials and create a custom engagement album on the computer using photographs as well as invitations and other items. You can even add poetry or song lyrics to your custom engagement album, thanks to the internet and scanning technology. You can create your own custom album design right on the computer and have it printed and bound.

If you do not have the time or the inclination to create your own custom engagement album but would still like to memorialize this event, you can have a custom engagement album designed and printed by a professional album designer. This is not an expensive item and is something that you will want to keep forever as it will remind you of your wedding.

One reason to have an engagement album created by a custom album designer is if you want to get a first hand experience of their work. If you like their product as well as their service, you may engage them to create your custom wedding album. Most custom album designers are well versed in creating custom wedding albums. There are a lot of different designers from which to choose so working with one prior to the actual event makes a lot of sense.

A custom engagement album can also be an ideal gift for a bride and groom. While a bride may or may not think to create an engagement album, you will be sure to make a big splash if you present the bride with a custom engagement album as a shower or wedding gift. Custom albums are something that everyone will treasure. You simply cannot go wrong if you present someone with a custom album. You can make an engagement album for the bride and groom yourself or hire a professional who can do the job for you and create a masterpiece - the choice is yours.

www.bestdesignsolutions.com

Credit Card Debt: How to Get off the Treadmill

Signs of Credit Card Debt out of Control:

? You are having trouble keeping up with your credit card payments.
? You find yourself making only the minimum monthly payment.
? You feel stuck on the Treadmill and getting nowhere.

It is a fact of life that many people feel their credit card debt is out of control. The Average American household owes $10,000 -20,000 in credit card debt. Consumers get into high levels of credit card debt and are unable to make the regular monthly payments, struggling each month just to make the minimum payment (usually less than 5 percent of the outstanding balance). Each month, instead of the total balance going down, it actually increases. Many people describe the feeling as being on a treadmill, getting nowhere, or worse, going backwards.

The Banks love these consumers. It would take 30 years to payoff the total debt with only the minimum monthly payment. Imagine the amount of interest and monthly service charges the institutions actually earn over this period of time.

The way to beat the banks and avoid the treadmill for life is to pay the total balance on the credit cards each month. This allows you to use the bank\’s money for your purchases and avoid interest payments. The Banks prefer not to have their customers repay the full amount each month because they make huge amounts of money from high interest rates charged.
The trouble with this is tactic is that most people can not afford to pay the full balance each month.

What if there was a way to make the same monthly payment, and owe nothing at the end?
This is what we call getting off the treadmill.

Getting Off the Treadmill:

The Goal of Debt Relief is to settle your debt for you at a fraction of the amount owed,
usually 50 to 70 cents on the dollar, although the percentage varies on many factors like:
Balance owed, time since you made a payment, whether or not the statue of limitations has expired for them to be able to sue you, and also the policy the bank is using at that time as to how they handle past due accounts.

Given these many factors the settlement amount will vary from bank to bank and also vary within the same bank depending on the collect-ability of the account. The collectability of the
account is how the bank views their chances of getting money from you on the account you owe them on.

The problem is that banks will not give a deal to someone that is currently paying them on time;
therefore, in order to get a deal you need to be delinquent, then the bank will be in a position where they are willing to negotiate. Unless you are delinquent, the bank figures “why give you a deal when they are already collecting from you?” Unfortunately your credit score gets trashed in the meantime as you refrain from paying in order to get the banks where you want them.

Most debt settlement companies will have you pay them a set amount each month and then they put that amount into a trust account until there is enough money accumulated for them to be able to settle another account and so on until all accounts are settled.

The bad part is that many consumers have been scammed by companies they pay a monthly payment to and after so many months they find out their payments went into the company owners\’ pockets and not one accounts was settled. Con artists like this will set up debt settlement companies and try to get as many people signed up as they can and after a year they disappear with all of the money and leave the consumer ripped off with not one debt settled.

If you decide to hire a Debt Relief specialist, do not do the payment plan type of settlements that other companies do in this area. Make sure you look into each company before trusting them with holding your money. Make sure you hire a reputable company, with a proven track record, and not someone looking to make a quick buck at your expense.

Jack Mann is a principal of AOD Credit Management, located in Brooklyn NY, a firm that specializes in Credit & Debt Counseling. Web: http://www.angelofdebt.com email: jmann@angelofdebt.com