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For a growing number of Americans, debt is a serious problem, and one that can “sneak up” on you. The first step toward controlling your debt is being aware of it. Once you've established that you need to consolidate and pay down your debt, the following ten possibilities may be useful to you.



10. If you have a 401-K or other employer-sponsored retirement account, borrow part of the money to pay down your debt. This should be used as a last resort, however. If you cannot pay the money back within five years, you will be assessed the taxes and penalties associated with the early withdrawal of the funds.

9. If you have life insurance, borrow money against your policy. Strictly speaking, you don't ever have to pay the amount back if you can't or don't want to, but it will be deducted from the amount paid to your beneficiaries. For this reason, planning to pay the money back is advisable.

8. Borrow the money from family or friends. It probably will save you interest, but the list of associated problems can include the potential for damaged personal relationships, the expectation of a return of the favor years down the road even after what you borrowed has been repaid, and the possibility of legal action against you by someone who was previously a good friend or close family member.

7. Consult a debt consolidation service. Make sure you're working with a service that does not charge you high fees. Check with your local Better Business Bureau or other consumer protection agency. You'll likely sacrifice two things to work with a debt consolidation service: your freedom to open and use additional credit lines and, in many cases, your credit rating. The service will usually ask you to make one monthly payment that it will then use to pay your creditors. There are two main types, debt settlement and credit counseling. Debt settlement can hurt your credit score, but will lower your monthly payments and save you the most money without filing bankruptcy. Credit counseling lowers your interest rates and your monthly payments by less.

6. Renegotiate with your creditors. Your creditors may require that you incur no additional debt while working to pay off what you've already accrued. And they are under no obligation to agree to renegotiation; however, it is often to their advantage as well, since it means they will eventually collect.

5. Sick of getting those introductory 0% interest credit card offers in the mail? Before you throw the next one away, consider how much interest you could save by consolidating all your debt onto a new card. Be very careful, though. If you continually open new cards and close older ones, you're not helping your credit rating. If you would like to consolidate all your debt onto a single card, consider keeping at least one of your older cards open with a small balance as well.

4. Do you own a car, boat, motorcycle, etc. with a free and clear title? If so, take out a title loan. Make sure you're getting the rate you want. Also, be certain you understand the terms (will you get to keep your car, boat, or other collateral, or will you have to turn it over to the lender for the term of the loan?). Get a clear idea of the payment schedule, as failure to meet any of the terms may leave you without ownership of your property.

3. Take out a personal or signature loan. Weigh this option carefully, as the interest rate on this type of loan may not be significantly lower than what you're already paying.

2. Refinance your home and take cash out at closing. This will help you pay down your high-interest debt without too much difficulty, and can be tax deductible. It saves you money and gets you a lower monthly payment. Just make sure that there is no possibility of missing a payment, because you don't want to face a foreclosure because you transferred too much unsecured debt to secured debt.

1. If you own your home and have enough equity in it, take out a home equity loan or line of credit. Not only can you use the money for anything you would like, including debt consolidation, but the interest you pay on the loan will be tax-deductible so you will save in more than one way.

While some of these options may be more desirable than others, and most come with their own set of complications and consequences, keep in mind that they are likely preferable to continuing to struggle with unmanageable debt.
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Google AdSense is fast becoming the preferred way for people to earn an income online. Forget eBay and multiple affiliate programs. Whether you are a work-at-home mom trying to make a little extra cash or an Internet entrepreneur with hundreds of monetized websites, AdSense is truly the easiest way to earn money.

Simply sign up for a free account, grab your ad code and paste it in your site. But here's the amazing thing - no matter how much money AdSense is making for you right now, a few simple tweaks can increase that amount considerably. And I should know, after learning about these tricks, I more than doubled my AdSense commissions!

The self-proclaimed AdSense gurus and experts are sharing this insider knowledge, for a fee.

You can learn all these secrets from them, as long as you buy their e-book, sign up for their seminar or purchase their newsletter. But I'm going to share all their AdSense tricks for free. Here they are:

1) Color code your ads to match your web site palette *exactly*. Don't use frames around your ads. Instead, in the AdSense code generation interface, make sure you choose the same color as your page background for the ad frame and the ad background.

When choosing the ad heading colors, match them to the *exact* color of your page headings. Use the exact same ad background shade as your page background. Use the exact same ad text font and color as the text on your pages. You can see an example of this color-matching on my Search Engine Advice Blog at - notice the 4 link ad unit at the top and the skyscraper text ad unit on the left hand side under the heading Ads by Google as you scroll down the page? The link and text colors are identical to the color palette used throughout the rest of the page.

Near enough is NOT good enough. If you can't quite get the color matching right, use Google's built in color palette together with the RGB to HEX or vice versa color converter on this page -. That handy little tool was a life saver for me.

This is probably the one single tweak that made the most difference to my commission levels.

2) Try not to use the traditional horizontal banner style or leaderboard image ads because people are blind to them.

3) Use Google's own AdSense optimization tips at https:/ to assist you in deciding where on your page to place your AdSense ad code.

4) Research competitive keywords using a keyword research tool such as Keyword Discovery at or grab a list of the most popular keywords from various sources and use them in your web site pages where relevant. This article - http://searchenginewatch.com/facts/article.php/2156041 - is a good source of frequently searched keywords. Targeting popular keywords should trigger AdSense ads on your pages that utilize those keywords. The more popular the keyword or phrase, the higher AdWords advertisers are generally willing to pay per click for it so the higher your commission on those clicks.

5) Incorporate the AdSense code into your page so that the ads look like a regular part of your site. You can see an example on this Internet Dating Stories site - - where link ads are incorporated within the regular left hand navigation of the site under the heading "Feature Links".

6) Use Google's new 4 and 5 link ad units wherever possible. They seem to have a much higher Click Through Rate (CTR) than regular ad styles. You can view all the AdSense ad formats at 7) Place arrows or images next to your ads to draw attention to them. You can see two different versions of on this search engine article library page - (where a pointing hand directs your eye to the ad) and the bottom where 3 images draw your attention to each of the three AdSense ads.

8) Use the full allowance of multiple AdSense ads on each of your pages - 3 regular AdSense ads, plus 1 link unit. Use careful placement of these ads so they blend into your site and don't distract from your content. Clever use of this allowance can be seen on this page about bad Internet dating stories - where you see:

- 1 horizontal 4 link ad unit towards the top of the page under the first paragraph.

- 1 vertical skyscraper text ad unit about halfway down the left hand side under "Sponsor Links".

- 1 vertical skyscraper image ad unit down the left hand side under "Sponsor Links".

- 1 horizontal text banner unit at the bottom of the page with images above each ad to draw attention to them.

You can also include 1 AdSense referral button in addition to the 3 other units.

9) Tailor your page content to a particular niche or focus. Page content that is tailored towards a specific theme is more likely to trigger AdWords ads that closely match the content and are therefore more likely to interest your visitors and inspire them to click.

Don't create pages merely for the sake of placing AdSense ads. Visitors (and search engines) can see through this ruse in an instant.

10) Use custom Ad Channels for each of your ad placements, for example, "Top 5 Link Unit Blue Palette" or "Left Side Navigation Image Skyscraper" etc. Tweak, track and measure the success of each of these custom channels so you know what gives you the highest CTR. Some ad formats and colors will work better than others, but you won't know which until you test, test and test some more!
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About Author
Both Brad Stroh & Anilvijan are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Brad Stroh has sinced written about articles on various topics from Auto Insurance, Bad Credit Home and Finances. Brad Stroh is currently co-CEO of Freedom Financial Network and . If you would like more of Brad's. Brad Stroh's top article generates over 33100 views. to your Favourites.

Anilvijan has sinced written about articles on various topics from Finances, Adsense and E Books. For more useful tips & hints, please browse for more information at our website :-
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