Five Best Strategies to Deal With Credit Card Debts

Rotating charges on credit cards can give a major dent to anyone’s pocket. You pay a small amount every month but still see the balance almost unchanged. If you pay a minimum each month, it comes back with additional interest. You may have many reasons for you having very high credit card debt like a home construction or an emergency or medical expense. Whatever might be the reason, getting rid of this high interest debt should be your first priority. There have to be some action plans in  your financial planning, that will reduce and eventually erase off all your debts. Here are five best strategies to deal with when you are in a huge credit card debt.

  1. Finish Off Debt from One card at a time
    Think upon the thought that which financial goal will make you think that you are doing the right thing to progress and help in debt reduction. If you own more than a credit card, then the answer that will come out is to close one card debt at a time. In specific, close the one with the highest interest rate. On the other hand, if you think that boosting the credit card score is the best idea, then you must go by the highest utilization rate.
  2. Get Low Interest rates from the credit card issuer
    If you a person who has a good credit card score, then call your credit card issuer and ask for a lower interest rate. You could get a surprisingly lower interest rate if you a long time user or customer of that card. This helps you save much more on your card. If you get a call from a competitor, then you can get even much lesser interest rate. So it is good to go by it to reduce interest rates and save up some money on it.
  3. Move Your Balance
    The best move is to transfer your balance from a high interest rate card to a low one. You can save thousands of money by doing so. You can move only if you afford to pay off the debt each month without holding any debt. Otherwise, your rates might shoot up even more. However, you have to be aware that you have a transfer fee of 3-4% of the total amount that is transferred.
  4. Pay Off Two Payments each month to close debt sooner
    Card interest is calculated for each day. So the sooner you pay off, the lesser will be the interest. Make a note in your mobile calendar to remind you. Initially pay off with minimum monthly payments. As you earn more, you can pay off with twice the monthly payments and easily close your debt.
  5. Use Personal Loans
    You can take personal loans that offer interest rates much lower than the one on your credit card. This way you can save so much money on your interests. You also have some time interval to save up some money to pay the personal loan monthly payments.

Help your Child to Have Healthy Hearing

Hearing is one of the most vital inherent activities that we all do, even before we are born. It is said that a child can hear even when he/she is in the womb and can start reacting to familiar voices.  Hearing is the basic act that makes us take many actions post what we hear, like replying to the questions, performing the task that is been asked for, et al. Small children learn a lot by listening. For example language or mother tongue is not taught to them, they just pick it up by continuously hearing it from their parents. But when a child is not able to her or has some hearing disability, it changes everything, though this should not be considered as the end of the world. Learn more from this Hearing aids clinic.

Various Types of Hearing Loss: Here’s a comprehensive knowhow

The volume or pitch that a person can hear is measured in decibels (dB), where in 0dB is the lowest or softest whisper and 120 dB is the loudest noise (like the one made by jet engines) and the softest sound that a normal person can hear is termed as thresholds. Normally for a child 0 to 15 dB is considered as Normal-Hearing and that of an adult is from 0 to 25 dB.

Like any other ailment, hearing loss can be of different levels, though it would not be right to call hearing disability as an ailment. Nevertheless this impairment can vary from mild to severe. The various levels are:

  • Mild hearing impairment,
  • Moderate hearing impairment,
  • Moderate to Severe impairment,
  • Severe
  • Or Profound hearing loss.

It also varies from pitch to pitch.

In order to test a person’s hearing ability a very simple test is being conducted. In this test, the level of volume or sound loss that a person may experience is compared with other listeners with normal hearing ability.

Other very common issue that many people face is “Tinnitus” or in simple terms a ringing sound that one hears constantly in their ears. Some may hear a hissing sound or a whistling or chirping noise, but in reality there may be no such noise in the background. This is a sign that there might be some abnormality in the ears.

Hearing aids:

In today’s technologically advanced world, there are numerous hearing aids and treatments available that can easily be adopted to treat hearing impairment. One can choose from state-of-the-art treatments and hearing aids.


There is a rapid growth in number of people who are suffering with hearing disability. But it does not cause any life threatening issues. Though it may require making certain changes in the life style and need to learn sign language and lip reading. Hearing disability is not a curse. With the help of science and technology, you can give a beautiful life to your children. There are trial options and the patients can see whether it’s fits their comfort level, improvement in hearing and their compatibility with the fitted device.