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How to pay off your debts and start the year off on the right foot

In this article we will teach you some of the specialist advice for a financial life more specifically how to pay your debts And so, start the anus with the right foot.

How to pay your debts
Make a repayment plan.
Start by figuring out what you owe, then decide whether to use the “debt avalanche” or “debt snowball” method to scrap those revolving loans.

cómo pagar sus deudas (Foto: Pixabay)
how to pay off your debts (Photo: Pixabay)

The avalanche method lists your debts from highest to lowest based on interest rate. This way, you pay off the debts that accrue the most interest first.

Alternatively, the snowball method prioritizes the smallest debts first, regardless of interest rate. The idea is that you gain momentum as the debts are paid off and that will motivate you to keep going.

"Having a plan for how to pay off debt can keep you focused on what it will take to achieve 'financial freedom,'" Schwab-Pomerantz said.

This budget strategy helped a Michigan couple pay off their mortgage early
Get a balance transfer.
Experts often recommend switching that balance from a high-interest rate credit card to one with a low-interest or no-interest balance transfer offer to reduce the amount of interest you're paying.

"Now is a good time to focus on paying down debt because many credit card companies are offering zero APR on balance transfers," said Paul Miller, CPA and Managing Partner at Miller & Company LLP. in Whitestone, New York.

Most of the offers allow you to pay 0% of interest for a year or more. However, if you do not pay the balance in full, a new annual percentage rate will be applied to the remaining amount.

Plus, most cards also have a one-time balance transfer fee, which is usually around 3% on the account – something to watch out for.

Ask your broadcaster for a break.
At any time, cardholders saddled with high-interest debt can also contact their issuer directly to request a break in interest rates, these are great ways to understand how to pay off your debts 

Read More: Personal loans without credit bureau or proof of income

"Consumers have a lot more power than they realize," said Sara Rathner, a credit card expert at NerdWallet.

In a recent one-year period, more than three-quarters of cardholders who requested a lower rate got it, with most getting a reduction of 5 to 6 percentage points, according to research by CompareCards.com.

Put your cards on ice.
Put your credit cards in a drawer, or hide them if necessary. Then switch to a debit card and commit to spending only the money you have on hand, at least temporarily and finally understand how to pay off your debts

Prepare your jokes for Christmas with this list

Christmas holidays are coming and with that the big family reunions. If you are one of those who loves to animate audiences during this period, we have put together a list of jokes for christmas. Get ready and entertain all your guests in simple ways.

3 jokes for Christmas

1. Christmas spinsters!

– What is a spinster?

– A woman who has spent many Christmases but no Christmas Eve.

2. Reasonable similarities

– How is the border of the United States with Canada similar to spending New Year's Eve in the Plaza Mayor of Valladolid in a swimsuit? In that on the border between Canada and the US are the NIAGARA FALLS. And in the Plaza Mayor of Valladolid, on New Year's Eve in a bathing suit, YOU WILL NOT DENY ME THAT YOU WILL ACCEPT.

3. Who is Santa Claus?

– Santa does not work personally, but manages lots of minions.
– You never get to see Santa, only his employees.
– Santa does not reach 40 hours a week of work not even close.
– Hehe travel a lot.
– Santa has work until he wants to retire.
– Obviously, Santa is a politician.

Prepare sus chistes para Navidad con esta lista
Prepare your jokes for Christmas with this list (Photo: Internet)

Other funny Christmas jokes 

Inhabitants of Bethlehem

What are the people of Bethlehem called?
– Figurines

Nino a los Reyes Magos: jokes for Christmas

A child writes a letter to the Three Wise Men, and asks them for 30 euros to buy some shoes in winter because he is cold in them. The letter is accidentally opened and the postmen read it.

When reading what the child asked for, all the postmen make a collection and send the child 10 Euros. After a few days, the postmen receive another letter for the wise men. This time the letter says:

"Dear wise men! Thank you very much for the money. But next time, don't send it by post, because some postman has kept the 20 euros that I lack ».

A wedding at Christmas

A couple in their home prepares to organize the Christmas meal. The woman tells the husband that he must leave, so he has to sacrifice the turkey. The man is stunned without being able to know what he has to do.

And he goes to the library, in the kitchen area, finds a poultry farming manual and goes looking for the turkey, locates it and reads: "First of all, get the turkey drunk." He goes to the bar and picks up a carafe of whiskey and takes a bite of the turkey, and thinks: "it's Easter and I'm going to drink too", in this way, he spends the afternoon between one drink and another.

Arriving home, the wife finds her husband in a drunken state and says: "What was it?? Did you kill the turkey??» and he replies «You touch -hip- a feather -hip- to my compadre and I'll hit you».

 

Brazilian jiu jitsu growing in the world but with many challenges

While MMA has become a spectator sport producing huge pay-per-view events and big stars, BJJ has remained humble. At the first UFC in 1993, the brazilian jiu jitsu was introduced to the world. Royce Gracie, a modestly built 27-year-old who weighed in at 175 pounds, dominated the tournament, using a simple but devastating wrestling system to subdue a cadre of unwilling fighters. In the intervening years, Gracie became a household name among MMA enthusiasts. His dominance of the sport – in 2003, he was inducted into the UFC Hall of Fame – catalyzed the rise of the brazilian jiu jitsu as the fastest growing martial art in the world, helping the Gracie family enter legendary status in places far from their home in Rio de Janeiro. But after years of growing popularity around the world, that's finally starting to change.

The recent emergence of serious prizefighting has taken center stage in BJJ, giving blue-collar athletes the opportunity to choke each other for big checks. Franchises like Polaris, Metamoris, The Eddie Bravo Invitational, Copa Podio and others seek to instill the sport with a greater air of professionalism. Some organizers are cooking up grand schemes to put BJJ on a level playing field with mainstream sports garnering airtime on ESPN, but the road to success has been paved with setbacks and sometimes questionable business acumen.

For Eddie Bravo, a legendary if divisive figure in the BJJ world, the sport has never lent itself to entertainment. "The reason why there has been no money in brazilian jiu jitsu It's because it's been boring," he says. For his part, Bravo has a point: Watching two competitors compete for chokes and blocks in a traditional match can often feel like a laborious, sweat-drenched hugging contest that won't force fans to buy tickets en masse or tune in to through pay per view.

In an attempt to make the sport more enjoyable for viewers outside of the BJJ community, Bravo and several other organizers emphasize presentation-only tournaments. Under that premise, competitors can only win a match if they physically force an opponent to submit or "take advantage". This urges a particularly relentless pace and ruthless style of showdown, the kind of spectacle that could inspire commercial hype and potential corporate endorsements.

The most illustrious tournaments in BJJ, such as the World Championship, which is organized by the International Federation of brazilian jiu jitsu they rely on a points system, which occasionally causes competitors to slow down and hold certain positions after consolidating a strong lead.

When it comes to points, Bravo says: "The points system has killed the game." brazilian jiu jitsu", says. “People fall in love with jiu jitsu because they go to a dojo and have an amazing experience, a humiliating experience, and there are never any points or anything…and all of a sudden you go to a tournament and there are points, and the points change the whole dynamic of the sport. «.

Injecting money into the mix also promotes entertainment value and can create a sort of narrative for fans to latch on to. Bravo's EBI tournament, which has produced seven shows so far, urges athletes to seek submissions and secure their finality, otherwise they don't get paid. While there is an overtime period in EBI matches, according to Bravo, "it's the winner to take it all and the winner only gets paid if they win the match in the rules." At the latest EBI event, first place finisher Gordon Ryan was awarded $ 25,000 out of a possible $ 50,000.

Like most MMA fighters, athletes from brazilian jiu jitsuthey make a living through various means, whether it's running a gym, teaching seminars, or cashing sponsorship checks. Garry Tonon, an elite wrestler with an increasing amount of cachet attached to his name, welcomes the prospect of more prize fighting tournaments in brazilian jiu jitsu professional. In fact, the cash infusion could mean something momentous for him and his fellow athletes.

 

Credit card without credit history with free limit

Getting off the list of defaulters is often an unavoidable situation due to multiple aspects of adult existence. So it is, just like if I had never been on the bad payer list and all that through a credit card with no credit history.

Which will allow you to enjoy many of the benefits that a card offers: accumulation of points, advantages in miles, offers, large purchases and reservations. The fact of appearing on the list is due to a conflict related to the family, a health problem or even poor planning.

Tarjeta de crédito sin historial crediticio con limite libre
Credit card without credit history with free limit (Photo: Internet)

Ways to get a credit card

These alternatives are applicable from online banking. Or the department stores that offer the enjoyment of a credit card with no credit history. What may seem like an extra expense, with control it can become your salvation.

Having this type of credit card for a bad payer like this will mean that after a period of time making payments punctually in a few months your name will come out of the credit history.

Guidelines for choosing the most appropriate card

Check your local department stores and choose the most suitable one. It must be remembered that this free credit card can be used regularly and not only in the store.

Be careful not to make a new debt and in a short time you will be able to obtain larger bank benefits such as financing, loans, among others. Don't forget to look up information on several types to decide which one is best for you.

Check with your friends and get one that is highly recommended. Learn about interest rates and fees.

Credit card with no credit history: getting away from the red tape

Requesting practically anything for a traditional banking institution is usually a bit red tape. You may be intimidated for some reason or you may have a setback.

Do you know credit cards for consumers with bad credit history? Well, nowadays, the market offers good options. It adjusts to any age, financial condition or need. Santander, Liverpool, Banco Azteca, Davivienda and Coppel.

Do not expect paperwork from people or companies that want to establish bureaucratic methods to make your life difficult. Use all the online resources we have and receive your credit card with no credit history

Read Also:

Banks and lenders have begun to offer credit cards without checking the bureau

Where the Little Rascals actors hang out

It's been 25 years since director Penelope Spheeris assembled the cutest group of child stars the '90s have ever seen for The Little Rascals, his big screen adaptation of the classic Our Gang movies from the 20s, 30s and 40s, centered on the adventures of a group of neighborhood kids. And in doing so, she introduced a whole new generation to Spanky McFarland, her lovesick best friend, Alfalfa Switzer, object of her affections, Darla, and all in between. While critics didn't exactly love the film when it opened on August 5, 1994, leaving it with only a 23 percent approval rating on Rotten Tomatoes based on 13 reviews, it was a favorite for a generation of young moviegoers who They probably still sing to themselves "I've got a pickle, I've got a pickle, I've got a pickle, hey hey hey hey" whenever they see one of the green vegetables.

The Little Rascals (Foto: Pixabay)
The Little Rascals (Photo: Pixabay)

In the 25 years since the film's release, its child stars have grown up, of course, and many of them have stepped out of the spotlight. We thought the best way to celebrate the big anniversary of the film was by looking at what each of the young actors is up to now. And luckily, the folks at Los Angeles-based production company 22 Vision helped us out by getting much of the cast together for a reunion photo shoot. Trust us when we tell you, these little rascals aren't so little anymore.

BUG HALL – ALFALFA
After Bug, whose real name is Brandon, played the ailing Alfalfa, he went on to star in other '90s movies like The Big Green, The Stupids, and Honey, We Shrunk Ourselves. As he grew older, he made guest appearances on shows like The OC, Criminal Minds, 90210, and Castle, and starred opposite Lindsay Lohan in the 2002 Disney Channel Original Movie Get a Clue. While her last on-screen credit is three episodes of the 2016 miniseries Harley and the Davidsons, she's been working on a project with her writing partner and former Wizards of Waverly Place star David Henrie for the past few years, according to reports. social networks. The married father of two, married Jill de Groff in February 2017, is also available on Cameo, where you can serenade him like Alfala did for Darla with "You're So Beautiful." Its current rate is $ 30.

BRITTANY ASHTON HOLMES – DARLA
After making her acting debut as the lovely Darla in The Little Rascals, Brittany only put in a few more performances, including an episode of Ellen in 1995, before she retired from the business in 1996. Despite taking part in a photo shoot with her former partner. A few years ago, Brittany has actively avoided the limelight, with no apparent social media presence. She reportedly lives in Los Angeles with her husband, and has a degree in political science.

TRAVIS TEDFORD – SPANKY
After playing the president of the He-Man Woman Haters Club in the 1994 film, Travis remained active in the industry, providing voice work for A Bug's Life and Recess, while also appearing in a handful of episodes of The Amanda. Show and All That. His most recent credit is the 2010 horror film The Final. According to his social media accounts, which are kept private, he currently resides in Texas, where he reportedly works as a marketing specialist at Texas Trust Credit Union.

KEVIN JAMAL WOODS – STYMIE
After playing Stymie, Kevin went on to guest-star on 14 episodes of Blossom and provided the voice of a puppy on Babe, but his acting career ground to a bit of a halt after that. His most recent credit is the 2000 film The Brainiacs.com. The openly gay former child star also currently resides in Texas, where he reportedly works for a marketing company. all that after The Little Rascals.

ROSS BAGLEY – PUMPKIN
The same year that Ross brought Buckwheat to life, he began what would become a 48-episode season on The Fresh Prince of Bel-Air, playing little Nicky Banks. Her relationship with Will Smith continued in the 1996 film Independence Day, playing her son Dylan. Apart from a few guest appearances in a few TV dramas, Ross's career slowed down in the mid-2000s, though he did appear in a couple of horror movies in 2015. He currently resides in Los Angeles, where he also works as a DJ. Leaving behind his past The Little Rascals.