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If you are looking for Michigan debt relief help,you have come to the right place. Many people who are in debt will probably think that bankruptcy is the only way to get out from under their debt burden. However,the truth is that there are a number of debt relief options which are available to you which may be the best option for you. The first problem with managing your debt on your own is obviously that it will be very difficult work,and at the same time,you won’t just succeed in getting rid of them,but you’ll also find that it is difficult to even get professional help in the whole process. But if you want to avoid such a situation,then you should immediately contact a professional who is highly skilled in helping individuals get out of debt quickly.

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One of the best ways to consolidate your debts is to pay off some of them one by one. By paying off a certain amount of each debt you will reduce your overall debt and save a lot of money in the process,but you should be very careful and should not use a single approach to pay off all your debt at once. If you want the most benefit you should pay off the smallest amount of debt at first,and after that increase the amount as you have saved more money. The best thing about consolidation is that you can get all your debt consolidated into one easy to handle payment. This way you can make one single payment each month which covers all your unsecured debt. This also ensures that all your creditors are paid off and the debt will not come back to haunt you again. Another great thing about consolidation is that you do not have to spend a lot of time worrying about your debt,because your new payment will come every month.

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Consolidating your debts is one of the fastest ways to eliminate debt,but in order for it to work you need to be very careful about how much debt you consolidate. It is always advisable to consult a financial expert,and you should do this even if you think that your financial situation is not bad enough to need such assistance. Remember that there is a good possibility that you may qualify for a better deal than what you currently have,so there is no reason for you to feel ashamed of seeking help.

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Myth One

Myth:Wall decals are stickers

Reality:No. A “true” wall decal is cut from vinyl. Vinyl is a synthetic material that appears like a thin plastic,but it is not plastic. A decal will have a backing paper and a low tack application tape on the front. It will be very thin so it appears hand painted.

Vinyls are self adhesive,much thinner than a sticker,and are able to withstand heat which can be used to ensure it sticks properly to the surface. A sticker would just bubble,but vinyl likes the heat and will contour to the surface.

Stickers are on a sheet,and you peel up the corner of the design and pull it off the backing paper and then stick onto another surface. Basically a sticker is a print onto paper which has adhesive. Sometimes this paper is glossy,sometimes it is plastic coated etc. They can be made of vinyl,but are much thicker and don’t look like they are hand painted. Generally stickers look cheaper and more temporary than a true decal.

Myth Two

Myth:Decals are only for walls

Reality:No. In fact,decals are best applied to the hardest,flattest surface possible. They love drywall,glass,formica,painted wood,steel,plastic. Can be applied to painted plaster,(might require heat to assist in application),and absolutely does not work with stucco and brick surfaces.

In reality,decals and surface graphics can be applied to any surfaces that you imagine as long as they fit with the above. Try applying decals to a ceiling! A floor! A fridge! A filing cabinet! A reception desk! Decals and surface graphics work on many surfaces.

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Myth Three

Myth:Wall decals and surface graphics are as easy as PEEL AND STICK.

Reality:No. This is not true. Wall decals come with a backing paper and a low tack application tape. These are used to assist in applying the pre-spaced letters and designs to the surface. You need to follow the instructions,work slowly and often require two sets of hands to complete the application. However,once applied they are absolutely worth the effort!!!!

Myth Four

Myth:Surface graphics ruin the paint.

Reality:Mmmmm. Always a hard one when it comes to paint. If your paint is poorly applied or old,anything will ruin it,not just decals. Bubbling paint will lift simply by running your hand over it,so never mind having something stuck to it.

We always recommend using heat to remove the decals or surface graphics. Heat will loosen the adhesive and make removing the vinyl a simpler task. If you paint was good to start with,it will survive having a surface graphic placed on it.

Myth Five

Myth:Decals can only be used inside.

Reality:Decals and surface graphics can be used inside and outside. The rule is that decals won’t stick to rough surfaces,so if you are trying to apply to a rough surface outside,no,it probably won’t stick. But,if you are sticking the decal to the outside of a garden shed,or applying the decal to an outdoor patio as a feature,then absolutely it work. Exposure to UV,rain and other environmental elements will be okay for the vinyl for up to 7 years (depending on the level of exposure).

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Myth Six

Myth:Wall decals are reposition-able.

Reality:No. They are not. Many companies claim they are,but the fine print is they accept no responsibility if they don’t. Very convenient for those companies. You have already paid your money for something you think will restick and then it doesn’t.

Decals are made of self adhesive vinyl. Good decals are made of ultra thin vinyl. So if you can imagine lifting a very thin sticker off a hard surface,it will most certainly be damaged where a) you have picked at the corner to lift it and b) where it stretches as it is lifted away from the hard surface. Plus,some of the adhesive is left on the surface,so the next time you apply the stretched,damaged decal,it won’t stick for very long.

The team at Cool Art Vinyl know their stuff. When purchasing wall decals or surface graphics,think of it as a single application purchase and you won’t be disappointed.

Myth Seven

Myth:Decals look like hand painted murals and designs on the surface.

Reality:Right On! Well-made,good quality decals are absolutely fantastic as a decorating item. Generally they are low cost and beat the price of someone hand painting or doing calligraphy on the wall. We regularly do comparison quotes against painters and our prices are a third if not a half of the competition.-

You will have no problem at all finding thousands of pages on the internet extolling the virtues of debt consolidation,but that is because they are all by people who are selling it as a service and therefore have a vested interest in pointing out the positive side. Getting to know what the possible disadvantage of debt consolidation can be is an altogether more difficult business,which is where this article comes in.

The first thing to say is that there is more than one type of debt consolidation,and the disadvantages are different with each one,so we will consider them separately. One form of consolidation is to take out a new loan in order to pay off all your debts. These are known as debt consolidation loans. The other way to consolidate debts is by using a debt management plan.

When you take out a new loan to pay off your debts,you are already at a disadvantage,because the very idea of taking on new debt is a risky strategy. Using a loan will certainly consolidate your debts,because you only have one single payment to think about,but it is very easy to end up worse off if you are not very careful.

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Many people take the advice of the potential lender at face value and look at the single smaller monthly payment as an indication that they will be better off. A lower monthly payment does not necessarily mean that a new loan is going to cost you less than your old debts. The reason most payments for consolidation loans are lower is that the loan is for a much longer period than your other debts were. In many cases if you add up the total that you will have paid by the time your new loan is paid back you will find that it has cost you far more than your old debts would have.

There is another disadvantage of debt consolidation with a loan if you are not very careful about which debts you consolidate. A lender will want you to include all your current debts and take out a loan big enough to pay off everything you currently owe. That can be tempting because the simplicity of a single payment is one of the attractions of debt consolidation,but you need to be very careful or you can end up costing yourself more.

What frequently happens is that people include all their debts,some of which may actually be at very low rates of interest. If you do not check whether the new loan is at a lower rate than the debts you are paying off,you may in effect be swapping some of your debts for more expensive ones. Before agreeing which debts to consolidate you should list out all your debts with the corresponding interest rates that you are currently paying. Check the interest rate for the new consolidation loan and only include in it those debts that are at a higher rate of interest.

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There are so many disadvantages with debt consolidation through a loan that the vast majority of situations are better dealt with through a debt management plan (DMP). In case you are not aware of how a DMP works,an experienced debt advisor negotiates with all your creditors and tries to set up new arrangements for paying back your debts. The idea is to reduce the amount you have to pay out each month by getting reductions in interest rates and other charges,which often includes writing off any penalty fees or extra charges.

When these negotiations are complete,you just make one single payment to the debt company and they have to deal with your creditors for you. You immediately avoid the big disadvantage of a debt consolidation loan,as there is no new borrowing involved,and the debt company often provide additional free services such as help with budget planning and tips for spending less.

A disadvantage of debt consolidation through a DMP is that they are only informal agreements,so you cannot force any creditor to participate if they do not want to. While many see this informality as a positive aspect of debt management,because it means you can change or get out of the agreement if your circumstances should alter,it does have a negative side too. There is no formal protection with a DMP,so if a creditor decides they want to take you to court instead,there is nothing in the debt consolidation process that can stop them.

The other disadvantage of debt consolidation through a DMP is that there are fees involved. All debt management companies have to charge for their services,and these are usually built into the payments you make. You could arguably save on these if you undertook the negotiation process yourself,but most people would not feel capable of doing that and in any event you would lose part of the benefit in not having to deal with all your different creditors payments.

The most important aspect of debt consolidation is to get reliable advice from a reputable company,so that you are advised properly on which route is going to work best for you. It is easy to apply quickly to several companies and compare the proposals and recommendations that come back. Start with a list of recommended companies that have a proven track record.-