Auteur: HasenChat Muziek Nederland

Golfing can be an expensive past time, especially if you have to take golf lessons to boot. Taking golf lessons gives you the ability to have someone guide you and spot critical mistakes in your golf swing. There is another alternative to golf lessons even though golf lessons are the fastest and best way to a better golf game.

There is a lot of good reading material on the Internet that helps in solving your slice, hook, or whatever problem you have getting the golf ball to the hole. Taking a good golf book seriously and implementing the instructions on the course will turn your game around in no time. If your having trouble breaking 100, 90, and even 80. This article has a few tips on reaching your goals at your own pace.

Whatever book you decide to choose on the Internet or local store, read the chapters over several times before you take these instructions on the practice range. Practice at least three times a week. There are a few points to keep in mind when practicing any kind of new golf swing that amateurs tend to overlook.

Consider the slope of terrain that you are implementing your new golf swing. Take a large bucket of balls and practice the swing with different slope positions. Swing easy at first, then gradually step up to your normal swing speed. You’re not always going to have a flat lie out on the golf course. It may take half dozen balls or more to get comfortable with different types of fairway slopes, but once you follow the book closely and practice, you will soon overcome any problems at first. Be persistent!

Choose the shorter clubs first and gradually work your way to the driver. Do not leave any club in the bag. Practice them all. If you’re having trouble with a longer club, do not skip it and move past. Pause with the lesser club and go backwards until you gain confidence to move back to the golf club you dislike hitting. Pause at the club before and keep hitting it until you feel confident to play the golf club your having problems with.

Always shoot towards a target and always keep the distance in mind for each golf club. You will eventually have stronger wrists and arms as you progress through a full month of practicing three times a week. The distance will change as you move forward in your persistent self-golf training. The golf holes will get shorter. As you read through your golf book, look for tips on choking down on the club to take a little distance off your newfound power.

Find a nice quiet place to practice your short game. You need to be at least 100 yards out and work your way in with the putter being the last club to practice. If you are not hitting the greens, you must know how to chip and play out of bunkers. Mastering your short game will also take a bundle of golf strokes off your game.

Practicing your golf swing as much as three times a week for at least 1 month, and reading up on golf swing instructions will eventually move you towards a much lower scorecard if you are persistent with your goals.

The correct grip is a key fundamental component of a golfer’s game and is required to have a consistently good straight game, giving you the ability to shoot low scores with ease.

When the grip is faulty, poor shots often result along with an inconsistent and unreliable game. Therefore it is essential for your game that your grip is correct if you want to take your golf to the next level.

Firstly place the club in your left (opposite for lefthanders) hand, close your left hand around the grip as if you were shaking somebody’s hand. Your thumb should be pointing down the grip, slightly to the right of centre.

Then bring in the right hand, firstly interlock the little finger of your right hand with the forefinger of your left hand. The underside of the grip should be placed on the joints of the second and third fingers of the right hand. Your right thumb should also be pointing down the grip, while your right palm should be facing towards the target with your left hand facing away from the target.

Two V’s should be formed by the thumb and forefinger of each hand, these should both point somewhere between your right shoulder and eyes.

When holding the club, the club must be held firmly but with the minimum of effort. Having the correct grip allows your hands to work freely with the utmost control while a poor grip leads to a lack of club head control.

Key Points:

• Your arms and hands are relaxed.

• Your left forefinger is linked with the little finger of right hand, 2 or 3 knuckles should be visible.

• The V’s created by the forefinger and thumb on each hand should point be to between your right shoulder and eyes. These V’s should be pretty much parallel to each other.

• The grip should be comfortable yet held firmly with little effort, it is vital that the club head does not open or close on impact.

To test that you have a good grip, it should feel as though both your hands work together as if one. When you lift the club and move it, your hands should feel comfortable and secure.

Problems and cures for slightly faulty grips: You may find that you are slicing the ball; this could be due to a problem with your grip, (although it may be due to other reasons mentioned in my other article that aims to solve the slice) try rotating your grip slightly clockwise around the grip; also try holding the club more in the palm of your left hand.

If you have problems with hooking the ball, make a conscious effort to feel the ends of the fingers on your right hand pushing upwards through impact with the ball. This should help prevent you from closing the clubface on impact and so helps prevent you from hooking the ball.

Are you seeing the same decrease in your handicap that reflects your hard work and efforts? Do you consistently fall short on your drives or feel exhausted at the end of 18 holes? Do you carry the disappointment of a missed putt over into the next hole? If you are plagued with problems like these then it is time to give your golf game a boost. Change your golf game for the better by focusing on the following five areas: flexibility, strength, endurance, nutrition, and mental toughness.

Flexibility:

Have you ever rushed to the golf course, quickly stepped up to the tee and felt stiff when you swung your golf club? Warming up your muscles can help relieve stiffness, but it is better to be more proactive in your approach. Therefore, it is essential to stretch on a regular basis. This allows you to increase and maintain your flexibility. You only need a small investment of your time in order to see significant gains in your range of motion.

Strength:

Have you incorporated strength training into your exercise routine? Many golfers are tempted to swing as hard as possible when hitting the golf ball. There are several adverse side effects of doing this. Your muscles may not be physically prepared for the intense strain and you may become injured. Increasing strength will enable your body to tackle the demands of the golf swing and prepare it for the action ahead.

Endurance:

Do you lose your intensity or feel tired after a few holes? If so, then focus on your endurance. At first glance, golf may not appear to be a game in which aerobic fitness is necessary. However, golfers that walk the course can walk nearly five miles over the course of 18 holes. Try to work in 20-45 minutes, 3-5 days per week of cardiovascular activity.

Nutrition:

Your body needs the proper fuel to work efficiently. Common sense dictates that loading up on junk food is a bad idea. So what exactly should you eat? An optimal sports nutrition menu plan will include high quality carbohydrates, lean protein, fruits, vegetables, and plenty of water.

Mental Toughness:

Are you still thinking about the drive you sliced on the first hole as you set up to tee off at the second hole? This negative thought pattern will adversely affect your game. How you perceive the situation affects each shot. One way to increase your mental toughness is not to relive missed shots. Visualize a good shot to help erase the missed shot from your mind.

Take these five facts into account and you’ll likely see better results with your game. It will take some time to make these activities a habit, but will be well worth the effort.

Do you have a favorite golf player? Is it Tiger Woods or Ernie Els? Have you ever thought that your swing looks like theirs? Woods and Els are two great golf players. When you watch them play, you will definitely notice their graceful and powerful swings. Honestly, it is difficult to imitate that just by watching.

Having a good swing needs constant practice. Also, your body needs to be well tuned up for it to perform well. Here are some basic tips to help you improve your golf swing and may help you shoot in the 90s or even 80s.

1. Warm up. Just like any other game or sport, golf players need a little warming up before starting a round. This is what most players, especially amateurs, often take for granted.

It is best to come early at the golf course and take a few minutes to stretch those muscles and warm up. This will make your muscles “know” that they are in for something and that they should be prepared. Taking a few swings in the driving range will also help you get tuned up and perform better.

2. Exercise. This is really important, not only for golf. Constantly exercising your body and muscles will keep them toned and ready for any activity. This will also prevent common body aches and pains that you usually feel when playing golf.

Getting into the habit of exercising, especially tuning up your muscles will have a great impact on your swing. It will help you have a good stance and increase total balance and control on your swings.

3. Do not swing too hard yet. It is really tempting to give your swing that extra effort. However, it is not recommended unless you already have the control of your swing. The key to a powerful and graceful swing is the balance and control that you have, add to it the proper form and stance.

So how do you get to learn to control your swing? Again, it’s tip number 2. Regular exercise will, in time, allow you to have a faster, more controlled swing.

Aside from these simple steps to do, it is also best to ask help from the pros, personally or thru online methods. They can give good advices as they already have learned a lot from their experiences. Keeping updated with the latest about golf will also help.

Also, most players tend to be so conscious in their desire to improve their swing that their minds are focused on every aspect of the swing itself; doing that will only make your swing look awkward. Instead, it is best to keep your mind off your swing. Try to focus on something else and the good swing will just follow.

Try to do these things when you play golf again. And do these regularly, then notice the change it will make on your next golf swing.

If you have just completed college, then chances are you are facing a mountain of student Loan debt, and may feel there is no way out. You may be wondering if there is a solution or end to this nightmare. One way of dealing with this situation is to consolidate your student loan.

To consolidate your student loan to a fixed rate can be substantially better, reducing your regular payments by more than forty percent. It may also be possible to stretch the term of your payment hence reduce your monthly outgoing.

The main disadvantage when you consolidate your student loan within the six month grace period is that you must start making your payments immediately. This can be extremely awkward if you haven’t yet a job outside of graduation. You can wait to consolidate your student loan just before the end of the grace period, and still receive the lower rates. But remember once you have consolidated your student loans you cannot un-consolidate them, so consider your choices before committing yourself.

How is interest calculated when I Consolidate Student Loans?

When you come to consolidate your student loans, the lending firm pays off your government loan and issues you a new loan under its own name. The typical way to determine the interest rate on the new loan is to take the average interest rates on all of the student loans, and offer a new rate that is an eighth of a percentage point higher (up to a maximum interest rate of 8.25%).

Although agreeing to a higher interest rate might not sound like a good reason to consolidate student loans, this rate is fixed over the life of the loan, whereas the government rate will fluctuate. Since rates are at an all time low at the moment, locking in the current rates might be a good idea.

Furthermore, many banks give you ways to bring down the percentage rates. For example, some lending institutions will drop the rates by as much as a quarter point if you agree to automatic deductions from a checking or savings account, whereas others drop the rates after a certain number of timely payments. As an additional bonus, there is no penalty for paying off your consolidated loan early.

There are alternatives to consolidating your student loans. Before you decide to consolidate you should carefully consider them. Did you realize that it is possible to have your student loan cancelled altogether? Your student loan may be cancelled if you choose to become a volunteer for the peace corp., or work for the government in a low-income area as a teacher or doctor. Cancellation however, is not possible once you have consolidated your student loan.

Another time to hesitate prior to choosing to consolidate student loans is when you are close to completing your payments. Increasing your payments and saving yourself some interest and the hassle of consolidation may be more advantageous.

A credit card is a small plastic card used for borrowing that involves some charges. There is a hike in the use of credit cards that in turn has led to the biggest debt problem known as credit card debt. It happens when you have many credit cards and store cards whereby you are unable to pay your creditors in due course of time.

Credit card debt consolidation is the solution to all your credit card debt related problems. Many companies and online websites provide free credit card debt consolidation. There are many reasons due to which it is beneficial for you if you switch over to a credit card debt consolidation.

1. You have to pay multiple creditors but when you consolidate your all credit card debts carrying high interest rates into a single credit card debt with less interest rate, you get financial benefits as such.

2. Credit card issuers asks the consumer to pay an annual fees for the use of credit card and when you own multiple credit cards you have to pay high annual fees. When you consolidate your credit card debt, you are saved from paying such annual fees because the card issuer knows that might get new customers.

3. If you don’t know how to spend on credit cards. You might think that it is necessary to spend the whole amount of money in the specified period of time and indulge in more debts. By consolidating all your outstanding credit card debts you can later pay them as monthly installments. So if you feel that it will take more than one year to pay your outstanding credit card debt you can consolidate your credit card debt as personal loan.

4. The reason when you are building up with all your credit debts and unable to pay off your monthly credit card debts i.e. you have a bad credit rating.

5. Credit card issuers also pay you if you consolidate all your credit cards debt into one credit card debt consolidation.

Financial problems are ones of the most difficult to solve.

We cannot do away with them because there will be points of our lives when we need to ask somebody to lend us some amount: big or small. Inevitable situations like death of the breadwinner in a family, terrible sickness or any emergency for that matter and so many credit cards to pay for. These push someone to lend money.

You can lend money in the fastest way available now. With an advanced system of money lending today, you will really be tempt to give it a try. Borrow fast and pay slow or possibilities may not be favorable to you. Worst, you will have a hard time paying for them. This is where bankruptcy knocks on. Bankruptcy is fatal. Yes, it is a figurative way of telling how bankruptcy may bring the most negative effects to a person or to a home.

When one faces this so tough problem, the bankruptcy laws with a lawyer’s help may ease the burden. Your lawyer may give u good advice like talking to your creditor asking them to lower down a bit or ask them to give you more time to pay. Another option is to seek advice from a credit counseling service. Private or public, they will help you deal with this situation and may help you negotiate with your creditors. The last available option is debt consolidation.

US bankruptcy laws offer two options for bankruptcy. One can choose between liquidation plan and repayment plan. These have both advantages and disadvantages. Consider all the sides of the situation and choose what suits you best.

You start your move to survive against bankruptcy by bankruptcy proceedings. This is commenced by filing bankruptcy forms. One gives his or her personal information. This includes your list of assets and liabilities. A meeting with one’s creditors will happen after a month. In most cases, creditors do not show up. This meeting aims to ask and confirm what one has written on the form. An interrogation will let you answer questions regarding your assets and liabilities. One’s lawyer is always there to help him or her out.

Under the bankruptcy laws, its will protect you from the harassment of your creditors before the proceeding starts It means you will not experience all those pressing calls forcing you to pay as soon as the next day. Creditors are not allowed to contact you during unreasonable hours. In addition, creditors must not leak your situation in your workplace. It will just modify the way your work image to your boss. Moreover, creditors are asked to cancel any means of hurrying you up to pay. Another important point is that your current employer is not allowed to use your bankruptcy as a reason for firing you out of a company.

A trustee appointed by the court will work with you after you have filed your bankruptcy forms. In the liquidation proceeding and repayment option, the trustee portrays different roles. He has the role to sell your assets and the money acquired will be distributed among your creditors. That is his role on the former. On the latter, he has the role of collecting payments from you and he will distribute them to your creditors. He also takes control in approving any of your new credit obligations.

After the bankruptcy proceedings, the court will end your accountability to dischargeable debts. For a span of ten years, all your bankruptcy proceeding records will be noted. Within this span of time, this record will be considered by any agency or person you wish to transact business with. The proceeding and all is not for free but one will not pay too much. An amount for the forms is the only thing to pay for. For a repayment option, one needs to pay like 10% of the amount you paid for the creditors. Lawyer’s fee may soar but the result will send one to greater heights.

Bankruptcy is inevitable. It may be the test of fate. But do not even let it test you.

Credit cards are now the norms every one uses it. They are the safest way to make payments to the sellers this method carries no risk of theft or anything else.

However one must realize that with credit card shopping that you have to make your payments on time and with the due amounts you cannot afford to miss one thing in this. One thing that can make payments of credit card debts easier that is credit card debt consolidation.

Being in debt is like being in a mess you have no control everything looks out of order and if you are in debts by the means of credit cards then the situation is even more difficult to handle. Creditors to whom we owe to keep making derogatory phone calls all the time and there seems to be no way out.

If you are looking for a way out then the best one would be through credit card debt consolidation loan. By taking a credit card debt consolidation loan all the debts that you have taken will be consolidated into one from single creditor, which can then serve you with the following benefits:

· It is easier to pay to a single creditor than to pay to multiple creditors.
· While you pay to the multiple creditors you have to be totally on the mark making sure that every creditor is paid on time and the due amount otherwise you get a fine with credit card debt consolidation you can avoid that.
· Your new creditor will offer you terms to your liking, which would include lower interest rates and lower monthly installments.
· With credit card debt consolidation you would not have to interact with your old creditors, therefore those annoying and disturbing phone calls would be stopped.

If you are a person who does not have a good credit score and you are also caught up in the credit card debts then you can also use the credit card debt consolidation all you need to know is your credit score.

Credit card debt consolidation is available in both secured and unsecured forms i.e. with or without a security to the borrowers; depending upon their affordability they can choose the option best suited to them. You can apply for these loans either by going online or by applying to your local creditors subject to the requirements the loan will be approved in a reasonable time.
Debts can accrue on anyone but what we must make sure about is that they do not get out of control and their adverse effect is not intensified. Credit card debt consolidation has been introduced so that people can use them to eliminate their debts.

You have unbearable debts and the debt consolidation might be your option for you debt problem. There are so many debt consolidation agencies around in the marketing with their “The Best” debt management program which will help you to resolve your debt problem. All the plans seem to very good and it is a hard decision for you to select the best for you.

While considering all the plans offers by debt consolidation agencies, there are at least 3 worst debt consolidation moves which you should avoid them. These 3 worst debt consolidation moves include:

1. The Hard-Money Loan

If you already miss a few months’ repayment and your repayment sums are piling up and exceed your monthly financial capability; and you are tired of answering harassing call and mails from various creditors to urge you to make payment. Then, you probably need a loan urgently to eliminate the harassment from creditors and bring down your monthly repayment to affordable level.

The consolidator may entice you with promises of an easy-does-it loan, and end up charging you higher interest rates than you’re paying now — as high as 21% or 22%. “Your monthly payment may be lower” with one of these loans, “but you’ll end up paying more”. You should get a consolidator who will look for other alternatives besides offering you an easy loan with high interest rate, such as negotiate with your creditors for better repayment options.

2. Debt Consolidators Who Promise to Take Care of Everything

The debt consolidation companies may incur an up front fee of one easy payment to cover for everything, they will negotiate lower interest rates, reduce your monthly payments. & etc. These debt consolidation companies will promise you that they will take care everything for you and all you have to do is make “one Easy payment’

In reality, many debt consolidators build in a fee as part of the monthly payment you make to them. It’s usually about 10% of the payment (i.e. about $50 on a $500 monthly payment). They pass along your payments to the creditor and get back a 10% to 15% from your creditors; normally this is part of the negotiation outcome with your creditors.

Here’s another risk with consolidators you should know about: they have been known, in some cases, to make late payments or even miss payments, thus worsening your plight (and your credit record). Hence, it is good for you to follow up with the debt consolidation company or even your creditors to check you payment status.

3. The Balance Transfer Trap

Low-interest balance-transfer cards are a dime a dozen these days, but remember that those rates only last a few months. Most of the balance transfer plans offer you with a low interest for the first fee month normally 3, 6 or 9 months; after that period, the interest rate will get back to normal, worse still almost all the balance transfer plans will require you to pay for a process fee. After that “low-interest-rate” period, you may have to apply new card to balance transfer these amount again. The danger is that at some point all this activity begins to show up on your credit report, and you start to look like a bad risk.

If you think you can swing from the balance-transfer vines for a few months, just make sure you formally close all your accounts yourself, and then notify the credit-card company to mark the account “closed at customer’s request”. Otherwise, on your credit report, it will look like the creditor closed your account which will have a bad impact on you credit record.

Summary

A debt consolidation is an option for you to resolve your debt problems and they are many alternatives and plans offers on debt consolidation. Review them carefully and avoid worse debt consolidation moves as mention above if you have a better option.

I don’t know if you’re a fan of financial guru and radio show host Dave Ramsey, but I certainly am.

I listen to Ramsey every day and find his advice to be based on common sense principles for getting out of debt and building wealth.

One thing that Ramsey recommends is that if you have high interest student loans, you should refinance and consolidate them now to lock in a reduced interest rate and lower your monthly payments.

Other financial pundits agree. Most agree with Ramsey that the sooner you consolidate and refinance old high interest student loans, the better off you will be.

I don’t have student loans (no college would have me :o), but many of my friends do.

I live in a very high tech area with lots of degreed engineers and programmers and scientists, many of whom owe tens of thousands of dollars in old school loan debt.

If you have student loans the time to think about refinancing is now.

Federal student loan interest rates are at an all time low, but that can’t last forever.

By refinancing your student loans now, you lock in the interest rate for the duration of the consolidation loan.

The first thing you need to do is find out if you are eligible for student loan consolidation.

On a referral from a friend, I found one online organization that offers a free survey that will tell if you are eligible for a federal student loan consolidation.

This organization says their average customer saves $150 a month or $1,800 annually. That can add up to one heck of a savings over the life of a 5 to 10 year loan.

Simply complete the online survey found at the link below to see if you are eligible to consolidate your student loans.