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Fungus, Fruit Flies, Old Age: It's The End Times For NPR's AntCam

Soon, an ant expert says, besieged by disease or old age, the NPR ant colony will come to an end.

Hepatitis C Cases In Rural WI Underscore Drug Link

The WI Division of Public Health noticed a strange uptick in hepatitis C to twenty four cases a year recently, from eight, or so, earlier. Some of the infections were bad enough to cause people to seek treatment in emergency rooms. An investigation revealed many cases were linked to drug abuse.

United States Craft Beer Brewers Thrive, Despite Small Share Of The Market

It's a good time to brew beer in America. According to beer expert Julia Herz, United States brewing isn't just on the upswing, it's on top. We are now the No. one destination for beer, based on diversity and amount of beers, she says. And the industry's fastest growth is in craft breweries.

Woman Who Tried To Commit Suicide While Pregnant Gets Bail

A state court in IN polis granted a Chinese immigrant $50,000 bond in a case that has mobilized advocates for women's rights and abortion rights nationwide. The case could set a precedent for the prosecution of pregnant women whose infants die.

On 2 First-Class Seats, Olympic Torch Arrives In England

The last time it was in England, it was 1948 and it arrived by ship and in a Rolls-Royce.

Will Population Shifts Alter Immigration Debate?

As Latinos became America's largest minority, their population growth significantly slowed. And Mexican immigration, which contributed the overwhelming majority of illegal entries, has come to a halt.

What Facebook May Mean For Your Portfolio, Even If You Didn't Buy It

With an initial market capitalization of more than $100 billion, Facebook could've a distorting effect on some mutual funds, at least in the short term.

In Change, Palestinians Now Seek High-Profile Visits

For decades, the Palestinians have urged foreign Muslims to boycott 1 of the holiest sites in Islam, the Al-Aqsa mosque in Jerusalem. But now, Palestinian religious figures are encouraging such visits, saying they could highlight Palestinian claims in their feud with Israel.

Haven't Registered To Vote Yet? They're Coming For You

Campaigns, political parties, interest groups — they're all ramping up to register millions of potential voters. The Pew Center on the States estimates there are fifty one million unregistered American people who are eligible to vote. The belief is that even a small number of them could swing the results.

Pipeline Flip Turns United States Oil World 'Upside Down'

An oil boom in the American heartland has created an oil glut in the middle of the country. Now, a pipeline that has been pumping crude oil from TX to the Midwest will reverse its flow, reducing the bottleneck — and potentially creating winners and losers at the pump.

Debt Consolidation & Debt Management Programs

Debt Consolidation is a term used to represent several different procedures that accomplish the same objective, consolidating your debt. One form of Debt Consolidation is an unsecured loan through a bank or private party with the proceeds used to pay off your unsecured debt. The problem with this form of Debt Consolidation is with today's tight financial markets, an unsecured loan from a bank or other financial insitution is difficult to obtain. However if you have a friend or family member willing to give you a loan, this may be a good option for you. Another form of Debt Consolidation is a home equity loan. This is where you borrow money secured by the equity in your home to pay off your unsecured debt. This is the least recommended option by financial experts for many reasons. The main reason being if you are struggling with debt now, you may in the future be forced to file for bankruptcy and the debt that was unsecured would now be secured by your home and would not be eliminated by the bankruptcy. The most common form of Debt Consolidation is also referred to as Debt Management.

A Debt Management Program involves a third party that represents you to negotiate with your creditors for a repayment plan that helps make debt repayments more affordable. The first step in a Debt Management Program involves you compiling a list of all your creditors and the amounts owed to each of them. The next step in a Debt Management Program involves you and your credit counselor completing a budget worksheet. Your total income and expenditures (mortgage or rent payments, car payments, cost of living expenses, etc.) are all totaled together. Then you and your credit counselor determine the maximum amount of money you have available for debt repayment. In next step of a Debt Management Program your credit counselor will negotiate with your creditors to exclude or reduce interest charged during the repayment period and eliminate any late and over limit fees already accumulated. The finally step of a Debt Management Program is for you to make all the required payments agreed to under the program. Any missed or late payments will result in you losing the program and your interest rates and payments going back up. It is important for you to understand that participating in a Debt Management Program will still impact your credit score. Also any available credit will be inaccessible until you complete the Debt Management Program.

If you’ve gotten to the point where you owe thousands of dollars in unsecured debt and you can no longer afford your payments, you may want to turn to a Debt Management Program for help. To find out if a Debt Management Program is right for you, fill out the form below for your free information, or call one of our certified credit counselors toll free 888-894-0777.

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