Areas of Work Designers

There are three main ways in which designers can work:
Working freelance: Freelance designers work for themselves. They sell their work to fashion houses, direct to shops, or to clothing manufacturers. The garments bear the buyer's label.

Working In-house: In-house designers are employed full-time by one Fashion Company. Their designs are the property of that company, and cannot be sold to anyone else.

Setting up a Company: Fashion designers often set up their own companies. Many people find this more satisfying than working for someone else, as their designs are sold under their own label.

Cranes

Cranes are large, long-legged and long-necked birds of the order Gruiformes, and relatives Gruidae. Unlike the similar-looking but unrelated herons, cranes fly with necks outstretched, not pulled back. Most have complicated and noisy courting displays or "dances". While folklore often states that cranes friend for life, recent scientific research indicates that these birds do alter mates over the course of their lifetimes. Some species and/or populations of cranes travel over long distances, while some do not migrate at all. Cranes are gregarious, forming huge flocks where their numbers are sufficient.

Most species of cranes are at least threatened, if not seriously endangered, within their range. The plight of the Whooping Cranes of North America inspired some of the first US legislation to defend endangered species.

They are opportunistic feeders that modify their diet according to the season and their own nutrient requirements. They eat a variety of items from suitably sized small rodents, fish, amphibians, and insects, to grain, berries, and plants.

There are representatives of this collection on all the continents except Antarctica and South America.

The cranes' beauty and their stunning mating dances have made them highly symbolic birds in numerous cultures with records dating back to ancient times. Crane mythology is widely spread and can be found in areas such as the Aegean, South Arabia, Japan and in the Native American cultures of North America. In northern Hokkaido, the women of the Ainu people, whose society is more Siberian than Japanese, performed a crane bop that was captured in 1908 in a photograph by Arnold Genthe. In Korea, a crane dance has been performed in the courtyard of the Tongdosa Temple because the Silla Dynasty (646 CE).

In Mecca, in pre-Islamic South Arabia, the goddesses Allat, Uzza, and Manah, who were supposed to be daughters of and intercessors with Allah, were called the "three exalted cranes" (gharaniq, an incomprehensible word on which 'crane' is the usual gloss).

Jewellery

Jewellery is factually any piece of fine material used to decorate oneself. Although in earlier times jewellery was created for more convenient uses, such as wealth storage and pinning clothes together, in recent times it has been used almost completely for beautification.

The first pieces of jewellery were made from likely materials, such as bone and animal teeth, shell, wood and engraved stone. Jewellery was often made for people of high importance to show their status and, in many cases, they were covered with it.Jewellery is made out of almost every material recognized and has been made to garnish nearly every body part, from hairpins to toe rings and many more types of jewellery. While high-quality and artistic pieces are made with gemstones and valuable metals, less pricey costume jewellery is made from less-valuable materials and is mass-produced.Form and function Kenyan man exhausting tribal beads.Over time, jewellery has been used for a number of reasons: Currency, wealth display and storage,purposeful Symbolism Protection and Artistic display Most cultures have at some point had a practice of observance large amounts of wealth stored in the form of jewellery. Numerous cultures move wedding dowries in the form of jewelry, or create jewelry as a means to store or display coins. on the other hand, jewellery has been used as a currency or trade good; a mostly poignant example being the use of slave beads.

In creating jewellery, a variety of gemstones, coins, or other valuable items can be used, often set into precious metals. Common expensive metals used for modern jewellery include gold, platinum or silver, although alloys of nearly every metal known can be encountered in jewellery -- bronze, for example, was common in Roman times. Most gold jewellery is made of an alloy of gold, the purity of which is affirmed in karats, indicated by a number followed by the letter K. For example, ordinary gold jewellery ranges from 10K (41.7% pure gold) to 22K (91.6% pure gold), while 24K (99.9% pure gold) is considered too soft for jewellery use.

Platinum alloys variety from 900 (90% pure) to 950 (95.0% pure). The silver used in jewellery is usually sterling silver, or 92.5% fine silver.Other generally used materials include glass, such as merged glass or enamel; wood, often carved or turned; shells and other natural animal substances such as bone and ivory; natural clay, polymer clay, and even plastics.

Jewellery and society

One universal issue is control over who could wear what jewellery, a point which indicate the powerful symbolism the wearing of jewellery evoked. In ancient Rome, for instance, only convinced ranks could wear rings; later, sumptuary laws dictated who could wear what type of jewellery; again based on rank. Cultural dictate have also played a important role; for example, the wearing of earrings by Western men was considered "effeminate" in the 19th and early 20th centuries. on the other hand, the jewellery industry in the early 20th century launched a crusade to popularize wedding rings for men - which caught on - as well as appointment rings for men , going so far as to make a false history and claim that the practice had Medieval roots. By the mid 1940s, 85% of weddings in the U.S. feature a double-ring ceremony, up from 15% in the 1920s.Religion has also played a role: Islam, for instance, consider the wearing of gold by men as a social taboo,and many religions have edicts against extreme display.

Lease bond

It is a bond created among three parties; the land lord, the tenant and the surety the underwriter. It creates a contract among all these parties to have a proper link.

This bond is issued to landlord in connection to cash security deposit, letter of credit, personal or corporate guarantee which serves as a security for the purpose of tenant’s full and complete performance of the terms and condition of commercial lease. This bond is similar in many aspects, both letter of credit and guarantee. In failure of the bond, the landlord submits the bond against a claim, which is paid by the surety underwriter as per the terms and condition of the lease. The landlord draws the lease money from the bank under a letter of credit.

In this bond, the surety underwriter is liable to the landlord and not the tenant for breach of the lease contract. The surety underwriter's responsibility on the lease bond is strictly monetary; the surety underwriter is generally not required to perform the unfulfilled non-monetary obligations of the tenant.

Industry

An industry is generally any grouping of businesses that share a common method of generating profits, such as the music industry, the automobile industry, or the cattle industry. It is also used specifically to refer to an area of economic production focused on manufacturing which involves large amounts of capital investment before any profit can be realized, also called "heavy industry.As-of 2004, Financial services is the largest industry or category of industries in the world in terms of earnings.

Industry in the second sense became a key sector of production in European and North American countries during the Industrial Revolution, which upset previous mercantile and feudal economies through many successive rapid advances in technology, such as the development of steam engines, power looms, and advances in large scale steel and coal production. Industrial countries then assumed a capitalist economic policy. Railroads and steam-powered ships began speedily integrating previously impossibly-distant world markets, enabling private companies to develop to then-unheard of size and wealth. Manufacturing is a wealth-producing sector of an economy. Other sectors such as the service sector tend to be wealth consuming sectors. Following the Industrial Revolution, perhaps a third of the world's economic output is derived from manufacturing industries—more than agriculture's share.

Pitch

In music, pitch is the psychological associate of the fundamental frequency of a note. The note an above middle C played on any instrument is perceived to be of the same pitch as a pure tone of 440 Hz, but does not essentially contain a partial having that frequency. Furthermore, a slight change in frequency need not lead to a perceived change in pitch, but a change in pitch implies a change in frequency. In fact, the just perceptible difference is about five cents, but varies over the range of hearing and is more precise when the two pitches are played at the same time. Like other human stimuli, the perception of pitch also can be explained by the Weber-Fechner law.

Pitch also depends on the amplitude of the sound, especially at low frequencies. For instance, a low bass note will sound lower in pitch if it is louder. Like other senses, the comparative perception of pitch can be fooled, resulting in "audio illusions". There are several of these, such as the tritone paradox, but most especially the Shepard scale, where a continuous or discrete sequence of specially formed tones can be made to sound as if the sequence continues ascending or descending forever.

Ku Klux Klan

Ku Klux Klan (KKK) is a name given to the fraternal organizations in the United States which has advocated the white supremacy, anti-Semitism, racism, anti-Catholicism, and nativism consisting of members both in the past as well as the future. The life of Klan's first started on 1866 and was linked directly to the Democratic Party. Founded by veterans of the Confederate Army, its main purpose was to resist Reconstruction, and it focused as much on intimidating "carpetbaggers" and "scalawags" as on putting down the freed slaves.

Lahar

A lahar is a type of mudflow composed of pyroclastic material and water that flows down from a volcano, typically along a river valley. The term 'lahar' originated in Indonesia.Lahars have the consistency of concrete: wet when moving, then solid when stopped. Lahars can be huge: the Osceola lahar produced 5,600 years ago by Mount Rainier in Washington produced a wall of mud 180 m (600 feet) deep in the White River canyon and extends over an area of over 320 km².

Lahars can be extremely dangerous, because of their energy and speed: large lahars can flow several tens of meters per second, and can flow for many kilometres, causing catastrophic destruction along the way. The lahars from the Nevado del Ruiz eruption in Colombia in 1985 killed an estimated 25,000 people in the city of Armero who were buried under 8 m (26 ft) of mud and debris. The 1953 Tangiwai disaster in New Zealand was caused by a lahar.

Lahars have several possible causes:

Snow and glaciers can be melted by a pyroclastic flow during an eruption
A flood caused by a glacier, lake breakout, or heavy rainfall can release a lahar, also called glacier run or jökulhlaup.

2 Port and 8 Port Adapters

Availability

Effective immediately, the new 2 port adapter and a new 8 port adapter are available for SwyxWare.

Product Details

The ZXS00003 and ZXS00004 terminal adapters refer to the AudioCodes H.323 multi-port gateways which can be used to connect analogue devices such as phones and fax.
The ZXS00013 and ZXS00014 terminal adapters vary from the ZXS00003 and ZXS00004 terminal adapters only in the respect that the new terminal adapters support SIP. The ZXS00013 and ZXS00014 terminal adapters have the same configuration and functionality except for the number of channels that are available.

Part Number Description £ List Price

ZXS00013 IP a/b Adapter 2 Port for SwyxWare (SIP) £259
ZXS00014 IP a/b Adapter 8 Port for SwyxWare (SIP) £859

Pricing

For full details of pricing, resellers should contact iptelecoms.

Notes on compatibility

The new 2 port and 8 port adapters will work with SwyxWare V5.00; they will not work with SwyxWare V4.40 or earlier versions of SwyxWare.

Customer scenarios

1. A customer is running SwyxWare V4.40 with an ‘old’ 2 port or 8 port adapter and upgrades to SwyxWare V5.00. In this scenario, they can continue to use the ‘old’ adapter.
2. From now on, orders for 2 port or 8 port adapters will be fulfilled with the new adapters. (This is on the assumption that the software shipped with the order is V5.00 as it is the current release.)
3. Customers with a 24 port adapter board will not be affected as there is no SIP equivalent so they will continue to connect the a/b adapter via H.323 regardless of the version of SwyxWare they are running.
4. A customer running SwyxWare V4.40 (or earlier/older versions) would like to connect analogue phones to their SwyxWare solution. ‘Old’ adapters will be available for a few months but the customer would be better advised to upgrade to SwyxWare V5.00. This means that customers could take advantage of the new functionality within V5.00 and could have T.38 fax support.

SX2 Dual PRI Card

Availability

Effective immediately, the new SX2 DualPRI card is available for SwyxWare.

Product Details

Key Features of New SX2 DualPRI Card

Up to 4 cards from the SX2 family of products can be installed in one PC. Note: The SX2 DualPRI counts as two cards when installed; it will also show up as two network devices in the windows device administration.Up to 76 B-Channels per PC are supported.

Configuration Examples

1. One SX2 DualPRI card + two SX2 QuadBRI cards.
2. One SX2 DualPRI card + one SX2 DualPRI card with fractional E1 (8channels per PRI).
3. If two SX2 DualPRI cards are installed with 30 channels per PRI, a maximum of 76 B-Channels will be supported.
Each port can be configured separately to TE/NT mode with a Jumper field.
Line-termination (120 Ohm resp. 75 Ohm) is independently selectable for each port. by DIP switch.

Part Number Description £ List Price

EXSG00060SX2 SX2 DualPRI Card (2xPRI) £699

Pricing

For full details of pricing, resellers should contact iptelecoms.

Notes on Compatability

The new SX2 DualPRI card uses a new driver (available on the iptelcoms.com website and included in the SwyxWare V4.40 CD). The board will work with SwyxGate version V4.33 or newer. SX2 DualPRI cards do not support T.30-Fax Transmission, e.g. only SwyxFax V2.00 or newer can run on these cards.

Homeoffersusa

Online home sales have become more prominent in the real estate field. As per the recent data it’s recorded that most of the prominent states in USA and other prominent states worldwide prefer to sell home fast and therefore look forward for professionals who buy houses for cash and complete the real estate transactions quickly and easily within a short span of time. The deliberate devise of the internet in the web world has fastened the rate of home sales in this way. The online home sales professionals have real estate listings on their site covering most of the prominent states and other provinces worldwide especially USA, UK and Europe.

This novel strategy with which the people can make their home buying and selling process themselves by just sitting at home browsing through the net. This is the best way the buyer or seller prefers without lose of time and energy. More over there is no brokerage commission or any other fees to be paid to the online home sale professionals because they provide all the information’s cost free because they want to achieve a fast rate buying & selling process in the real estate field with their valued customers.

Some of online home buyers buy any type of homes for sales confined to a particular locality. They buy old, ugly, ruined, spoilt, damaged houses which are not preferred by most of the home buyers. They buy houses for cash demanded by the home seller. Home selling process which was very tiresome to people sometime back has now turned to be an easy going process with online home sale experts. In spite of high competition in the real estate field for new houses in most of the important destinies, the online home sales experts have proved to gather more homes in the market. They can easily buy homes for sale in such places.

Any lay man can make the home buying & selling process easy by just gathering the information’s in the internet. The online home sales professionals would be glad to welcome you and find the dream house for you in just few days time. They also give ample information’s regarding the search for a home in a particular city. Nowadays home buyers are very particular in selecting their house and for this reason; most of the online realtors furnish all the details of the house in the real estate listings along with the photos, sketch and maps of the house destined to the particular location within the country. They also help people to find houses in the country where they are recently relocated.

India tourism

We organize tourism in India, building India tourism a pleasurable affair. We offer variable custom-made travel tour India packages customized to cover Indiana tourism in a more successful way. You can merge into the India culture sports and tourism surrounded by India tour breaks. Toptourguide.com gives you all the information essential for an unforgettable experience in India tourism. Make the best opportunity to tour and travel in India – a country of culture and conditions.

Vacation Villas

A villa is a luxurious house built for the upper class people of Rome. An ancient author and Natural philosopher Mr. Pliny describes more in writtings about the Roman villas of the empire. He categorises the villas as two types they are the villa urbana and villa rustica. The villa urbana was a country seat which could easily be reached within a night or two from the Rome or another city. And the villa rustica is the farm house estate. These farm house estates are permanently occupied by the servants who had charge generally of the estate, which would center on the villa itself, perhaps these villas are seasonally occupied.

The dwelling quarters, consisting of several low buildings, included recreation facilities and lodgings for the servants. The villa rustica, which is the farmhouse type, had barns, orchards, and vineyards, and the villa urbana type which are used as a pleasure retreat had the incidental garden architecture adorned with fountains and sculptures.

There are other villas that originated during different periods like post-roman villas, renaissance villas, Palladio’s villas, English villas and modern villas.

Florida Lifestyle

Florida is an enchanting city located in southern United States. This magical land is filled with fun and excitement. Popularly called as “The Sunshine City”, Florida exhibits a wonderful moderate climate through out the year. The major attraction in Florida is its superb weather, this city experiences long and warm summers and cool winters. Extremes of climate are very rare in Florida. This is the reason for the migration of elderly people from the colder northern parts of United States. This pleasant weather also attracts a lot of tourists. The most fascinating aspect of Florida is its diversified cities. Each city located in Florida houses something unique and different.

People flock to Florida not only for its tourist attractions but also for its employment opportunities. Florida presents a variety of job opportunities; this is because mixtures of industries are present in this state. There are many media and gaming industries in various cities in Florida, so people interested in this field come to Florida. This state contains a lot of software and hardware industries, which invites all the software and hardware professionals.

Living in the orange country Florida gives you a fabulous experience. The taxes collected in Florida are, the sales tax, the use tax, intangible tax and the corporate income tax. There is no need to pay the personnel income tax in Florida. Some people consider the cost of living in Florida to be a bit expensive; the housing prices are also high in and around the state of Florida.

All kinds of foodstuffs are available in Florida. Owing to its suitable climate it produces a variety of fruits and vegetables. Florida is the dream place for people from other parts of the world; the reason for this is the breadth taking “Disney Land” in Orlando. This popular attraction point receives more than a million of visitors every year. Florida’s major part of economy comes from the tourists industry, while the other kind of manufacturing industries also give a helping hand.

Since millions of people visit Florida, this state is also filled with restaurants, bars and clubs. Florida contains a large variety of restaurants, and these restaurants serve different cuisines. Nightclubs and bars are also popular in this city.

Florida Vacation Resort

Florida is the most beautiful state in southeast United States. Florida is situated on the peninsula between the Gulf of Mexico, Atlantic Ocean and Straits of Florida. The Florida also has a Spanish adjective meaning called flowery. Tallahassee is the capital for the state florida. Jacksonville is the largest city in florida. The Florida has a nickname called "The Sunshine State". In United States the Central florida is called the lightning capital. Florida is said to be the most beautiful state in United States. It has various vacation spots like disney land, busch garden, sea world, everglades, florida beaches and many more. Orlando has become the most popular tourist area, because of disney world. As the major attraction is tourism in florida, it plays the major part for improving the florida economy.

Fabvillas

Florida, being the harbor city invites enormous tourists to spend their holidays in an unimagined way. Authentic Florida will help you discover a new thrill and excitement throughout your vacation in the prominent places of interest such as the Orlando coastline beach, the Disney land, etc, of the sunshine state. Finding the best rentals/villas in such a place in very difficult but the private rentals/villas organizers over there help you to reduce your time in sorting out luxury rentals in such places.

Florida, being an island is simply magnificent surrounded by water. If mankind has thought of a water sport, then it is bound to be available here. Parasailing above the water, skiing on the water and swimming in the water sounds to be a thrilling experience both for the young and the old. Besides all these attractions, finding a comfortable place to stay is a bit tedious process for the visitors. The private luxury rental home owner’s help people discover the luxurious and all expected rentals at affordable rates confined to a particular area. They also offer flexible services to their customers by providing them the best standardized rentals and make them feel it as a home away from home. All the private rentals/villas are confined to the prominent places which make the tourists feel comfortable in sighting through the places in and around Florida.

The tourists will find all the information and details about the privately owned vacation rentals or villas in Florida when they browse online. Many private rentals/villas offer much information on the luxury rental homes with all the needs and standards to satisfy the tourists. They also provide the travelers with certain tips to help them plan their vacation in the new place and suggest visiting nearby places including various new entertainment and activities put forth by some organizations in Florida especially for children. They also offer the tourists with the opportunity of selecting the rental home of their own choice in any prominent locality of their interest. They have flexible rentals to suit all needs whether it being just a couple or the whole extended family. Private vacation rental homes are privately owned and are situated in desirable locations. Their rental homes offer their special attention to the tourists from various parts oft the world who are new to Florida and provide them with all the details that many hotels are unable to offer making a villa holiday a true home from home experience.

All America's Auto Transport: Going Your Way!

Since 1964, All America Auto Transport has been transporting vehicles to every city in the country and overseas. And All America transport is the most dependable and trustworthy, vehicle transport company in the vehicle shipping industry. We offer competitive vehicle shipping rates, friendly customer service, and an outstanding record of auto transport satisfaction among our Satisfied Customers, including individuals, military and government personnel, professional sports teams, and private corporations nationwide. If you choose to be an auto shipper we will ship your car wherever you're moving, even overseas, we'll make sure it follows - safely, securely and cost-effectively. Car transport (vehicle shipping/auto transport—however you choose to say it) is a task of diligence and speed, but most of all carefulness. Safety, security and industry have been the motto for our vehicle transport company. With our car transport services, we treat your cars like we treat our own.

Our Wheels Are The Best Way To Go For Auto Transport!

All America's frequent transport schedules mean a minimum of waiting time for you. We boast a fleet of over 500 car transport trucks available - just like the ones used to deliver new cars to dealers. This allows us to always meet your schedule. And this makes our vehicle transport company the best. Each car shipping truck is fully covered by public liability, property damage and cargo insurance. Your owner's insurance also remains in effect throughout the car shipping process. That's double protection for you! Our auto transport services are prompt, efficient and we constantly check the rates of our competitor so that we may keep our discounts among the lowest of all the fully insured, reputable vehicle transport companies. All America Auto Transport provides efficiency in the name of vehicle shipping.

Mp3 player Accessories

We are living in a millennium where the technological advancements are above imagination. One such mind blowing audio breakthrough is the mp3 players. These mp3 players come in a variety of sizes ranging from huge players to small handy ones which could be carried everywhere. The mp3 player also called as the audio digital player comes with fancy buttons, cute icons, smart accessories and unbelievable features. They also possess an interactive display. You get players consisting of a variety of display. The display sizes also range from small to big. Mp3 players can be used with so many different accessories.

Nowadays we are able to use these players to connect to our computers where we can transfer files from our computer to the mp3 player. This ability makes the mp3 player very useful and also it avoids the use of compact disks. The innovative gadgets and accessories used with the mp3 player is aeat technological progress. The storage capacity in the mp3 player is much larger when compared to other storage medium. This high storage capacity is achieved, because all the files are stored in a compressed manner. You can even download free mp3 files from the internet legally. The mp3 players reached the heights of popularity because these audio digital players emphasized on quality. Quality is one unbeatable factor in these

Teen Credit Card Debt

3. Parents should take it as a part of their responsibility to teach the teens to use the credit card only in necessary & emergency situations. As the proverb goes “The keys to success is education”, parents must be patient enough to teach their children starting from the beginning the values of financial basics and the importance of spending money in a useful way. Experts say parents should take several steps before giving a credit card to their child. They should keep their child trained in various perspectives such as writing a check and tracking money, proper usage of a debit card, teach them how credit card works explaining them how the balance is paid within the grace period and other key terms such as late fees, etc. parents should not stop with this, they should instantly monitor the child’s usage and build up their level of responsibility. In summary credit card education would be good to keep the teens and make them use credit card in a clever way and be away from increasing unpaid balances.

Waste Water Treatment

A standard wastewater treatment train would typically consist of a primary clarifier system to remove solid and floating materials, a secondary treatment system consisting of an aeration basin followed by flocculation and sedimentation or an activated sludge system and secondary clarifiers, a tertiary biological nitrogen removal system, and a final tertiary disinfections unit.

The aeration basin/activated sludge system removes organic material by growing bacteria (activated sludge). The secondary clarifier removes the activated sludge from the water. The tertiary system is becoming more prevalent to remove nitrogen and phosphorus and do final disinfections of the water prior to its discharge to a surface water stream or ocean outfall. Before reentering into a body of water, the wastewater gets treated under a multi-stage process then only the water gets renovated and it is used for application

Anaerobic processes are widely applied in the treatment of industrial wastewaters and biological sludge. Some wastewater may be highly treated and reused as reclaimed water. For some wastewaters ecological approaches using reed bed systems such as constructed wetlands may be appropriate. Modern systems include tertiary treatment by micro filtration or synthetic membranes. After membrane filtration, the treated wastewater is indistinguishable from waters of natural origin of drinking quality.

Kaiser health insurance quote

Global insurance premiums grew by 9.7% in 2004 to reach $3.3 trillion. This follows 11.7% growth in the previous year. Life insurance premiums grew by 9.8% during the year due to rising demand for annuity and pension products. Non-life insurance premiums grew by 9.4% as premium rates increased. Over the past decade, global insurance premiums rose by more than a half as annual growth fluctuated between 2% and 10%.

Advanced economies account for the bulk of global insurance. With premium income of $1,217bn in 2004, North America was the most important region, followed by the EU ($1,198bn) and Japan ($492bn). The top four countries accounted for nearly two-thirds of premiums in 2004. The US and Japan alone accounted for a half of world insurance, much higher than their 7% share of the global population. Emerging markets accounted for over 85% of the world’s population but generated only 10% of premiums. The volume of UK insurance business totalled $295bn in 2004 or 9.1% of global premiums.

Credit score

The credit score is calculated using a formula provided by the Fair Isaac Corporation under the act of FCRA (Fair Credit Reporting Act). The three national bureaucrats dealing with credit reports are Equifax, Experian and Trans Union. The credit report can vary between these three credit bureaus since the credit reporters do not submit the reports in all three bureaus. Basically it is the procedure that one‘s credit report is the average taken from the values of these three bureaus. There may be a small difference existing between these bureaucracies credit reports which doesn’t seem to harm any of the customers credit score hence no issue has arisen till now in regards to the above.

Grisaille painting

Grisaille is not a paintings type by its own but an initial step in oil painting. It is the step representing lighter shades of the image to be painted. This type grisaille grey is basically a painting in lighter grey shade (followed as per the rules of oil painting the darker painting section follows the lighter colors to be implemented in oil painting) before the whole painting is all done. This painting is executed entirely on monochrome in various shades of grey which can also be used for decorative purposes such as representing an object in relief.

Advantages of debt consolidation

1. Reduction of average interest rate:
Taking multiple credit interest rate (which varies from one credit card to another) in to account will have a high interest when compared to one single credit interest for the whole amount with a low interest rate. So an individual may choose this option to reduce his interest rate.

2. Reduction to one credit payment:
An individual may use many credit cards and pay his bills for all the credit cards. This may need a good management technique depending up on the number of cards in use. If you use more number of credit cards then the planning need to be done more appropriately and executed timely where as if you have one credit card your job is done in a way simple and easily executable. One hence opts to shift from multiple loan payments to one loan payment program replacing all the rest.

3. Reduction of past interest or penalty charges:
One opting for debt consolidation may go for reduction of past interest or penalty charges paid for the borrowed amount under certain options. Options include high interest rate or penalty charges placed for the credited amount, when the total amount paid in the history till date exceeds the borrowed amount, or if it is a very long duration payment program going for 5 yrs or above. Under each case stated one can reduce the past interest and penalty charges or sometimes even eliminate those and pay only the amount borrowed.

4. Obtaining a payment plan:
This payment plan is given to the consumer analyzing the capability of an individual by thoroughly going through the personal needs of an individual, his responsibilities etc after which the debt consolidator restructures the existing plans taken by the consumer.

5. Becoming debt free at a faster rate:
Taking debt consolidation program relieves a person from debts at a faster rate than the usual time, which is required to come out of the debt. Following the plans given by a debt consolidator and proper execution of the plan will surely make an individual debt free and obtain high credit scores.