Steal My Deal

In the winter when most lakes are frozen over, there still are places to fish for bass… they are called rivers. If the river you fish is stained or has dingy water, I have a bait for you. The flat tail grub!

The times I like to use these is when he water is 40 degrees or less. Then I tie on a 3″ grub with a round 1/4 ounce head and a 3/0 hook. I also use 6 pound test, which lets you feel more bites and also is better in windy conditions.

Make sure you rig the grub so the flat tail is horizonal. Fish the lure so it bumps into any kind of object and let it sit. I mean let it sit. The colder the water, the longer you let it sit. Then if you don’t get a hit, just raise your tip and let it fall again and sit some more.

When you get a hit, it usually isn’t like a tap-tap, it feels like you hooked a leaf and dragging it through the water. Feels kind of mushy. When you feel the “mush” or softness, set the hook but not like on a regular lure, set it more lightly and take up the slack in the line with the reel.

When you get tired of sitting at home and want to do some bass fishing in the winter, go to the nearest river and try this technique.

Charles E. White has fished 50 years for bass from California to Florida. In his lifetime, it is estimated that he has caught over 6,000 bass. His biggest bass is a 12 pound 14 ounce that hangs on his wall in his office. His tips and techniques have helped many people who have never fished for bass before become successful anglers.
He also has fished with the Pros in Florida.
His website is at:
http://www.bassfishingweekly.com

When you reach the position where you can’t afford your debt repayments, it’s time to take action.

Instead of running from your situation you need to take positive steps to fix it. If you reach the stage where you can’t keep up with the repayments, it’s VITAL that you contact your creditors as soon as possible and explain your situation.

It will help your situation greatly if you mange to contact your creditors before they contact you.

It will show them that you take your situation seriously and have taken responsibility for the state of your finances. It will reassure them that they’re more likely to receive their money….eventually!

Now this may be hard to believe, but your creditors won’t want to take court action against you unless it’s absolutely necessary.

Would you like to know why? Well first, all court action is time consuming, costly and unpredictable. It’s generally a last resort, when all other avenues have been exhausted.

Second, it’s a question of maths. It’s just a simple commercial decision. If you were in the business of lending money and someone was having trouble repaying you, let me ask you a question. Would you rather receive all of it over a much longer period that originally agreed, or 20 cents in the dollar months later when the bankruptcy courts get it all sorted out?

Exactly! There’s no contest. Bankruptcy benefits nobody (well, apart from the lawyers and accountants, but that’s another matter!)

And most lenders realise this!

If they’re offered a reduced payment schedule over a longer period, most will be glad to accept it. In most cases it will allow them to receive more of their money back than the alternative of bankruptcy. And that my friends, is your opportunity to find a solution to your debt problems!

Contact Your Creditors Early

As soon as you know you won’t be able to keep up with your repayments, get in touch with your lender. Write to them explaining your situation, giving them the reasons for your financial difficulties. Creditors will often be open to negotiation, and dare I say it, quite helpful. As I say, they just want to ensure that they get as much of their money back as possible. It may be possible to work out a more suitable repayment schedule that will allow you to pay off your debts.

If you ignore your creditors, they’ll have you in court quicker than you can say bankruptcy! Ignoring letters from creditors tends to make them ratty. Remember, they don’t want to take legal action, unless your actions force them to! But if your general attitude says to them ‘I’m in this position because I spend recklessly and have a cavalier attitude towards my debts’, they won’t have any choice.

Once you’ve drawn up a personal budget and know how much you can afford to pay towards your debts each month, contact your creditors and make them an offer. It’s best to keep your offer of reduced monthly payments as brief and precise as possible. But above all, make it honest and realistic.

This is good ‘I would therefore like to offer $15 per month to repay this account’.

This isn’t ‘I’m hoping that things will get better over the next couple of months, so I’ll increase my payments as much as I can at that time’. Rubbish! The lenders would laugh in your face at that sort of offer!

And whatever happens, when it comes to making an offer of reduced payments, don’t bluff your creditors.

by Stuart Laing

Copyright (c) Get Out Of Debt

Stuart runs a website dedicated to helping people get out of debt. So if you want to improve your financial position, visit www.icanhelpyougetoutofdebt.com for free, impartial information on how to reduce debt.

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In a stillness of the night, A silvery moon Glistening beams of light Shining in the beauty Of her smile. An aroma of her beauty lingers for an Indefinite amount of time After the intoxicating moments of pleasure The site of her seizes my mind Controlling my senses, She retains my destiny In her body. Her vision is like the Sounds of echoes Of a unforgettable touch that I have not yet felt.. Her moist pink lips Inviting a kiss of flaming passion. Strong conscious impulses Rushing like a river that’s overflowing. Her vision is that of a red rose Signifying the love, in her heart She’s as delicate as an orchid. That you dare not disturb. A vision of beauty that she is It causes a man to feel Like he’s floating in a cloud. Her vision pierces my mind Her vision penetrates my heart. Her vision touches my soul. Her vision I have seen But only in a God give dream.

http://www.originalpoetry.com/a-vision-of-her
the quality present in a thing or person that gives intense pleasure or deep satisfaction to the mind, whether arising from sensory manifestations (as shape, color, sound, etc.), a meaningful design or pattern, or something else (as a personality in which high spiritual qualities are manifest).

Accumulating too much credit card debt is probably the number one thing people do to get themselves into financial trouble. Credit cards are so easy to get and once you get them, you only have to pay a minimum amount each month. By doing this your outstanding balance will only decrease by a small amount, leaving you no better off then you were the month prior. Over time your credit card balance won’t decrease much and you will be paying huge amounts of interest. If you get to the point where you can barely pay your minimum amounts it is time to seek credit card debt help.

So where can you turn for some help? There are alot of businesses that specialize in credit counseling and preparing budgets for you to follow. Take a look around the internet and do some research on several of them. Try to research some of the different things they offer you to find the right match for your needs. Comparing some of the higher rated companies is a great place for you to start.

Once you settle on a credit card debt help company, you need to know what type of assistance you can expect from them. They should provide you with a roadmap to follow to eliminate your debts. Additionally you should expect them to give you tips for keeping your debt down once you are free from it. It is important to follow everything they say, and keep following their advice even after your financial situation improves.

What Other Methods Are Available To Reduce My Credit Card Debt?

One way to quickly pay down your balance on your credit cards is to consolidate all of the amounts into a lower interest rate loan. This is called a consolidation loan and is a terrific way to get yourself out of a hole. You will pay one monthly payment, which means you are paying interest only once and usually at a lower rate. The length of the loan is usually fixed and the longer you pay it the more the outstanding balance will decrease.

If you have a good relationship with your creditors you can also contact them to inquire about lowering your interest rate. They will usually work with you if you show initiative before your situation gets too out of hand. Your credit card company wants to get paid each month and they realize that by working with you their chances of that increase. Be professional and courteous, but take action before you get too behind on your payments.

One thing to remember is that you should consider seeking help if you are struggling to even make the minimum payments on your credit cards. By only paying the minimum, or even worse by paying late, your balance will barely decrease and will continue to weigh on you each and every month. Talk to someone who can help and follow their advice. Then exercise control on future purchase to keep yourself out of debt.

James McDonald writes for ‘Helpful Debt Solutions’ which is an online debt management solutions resource. You can find information regarding debt consolidations, loans, credit cards, and other financial topics.

If you are anything like me, you live for the action packed, heavy hitting, bone jarring topwater explosion produced when you throw a topwater bait. As far as I am concerned, it is incredibly exiting to watch the water splash upwards and the opportunity to see that lunker bass flash and slam into your bait! Getting a bass to take surface baits requires you to get their attention. Out of all the topwater baits on the market, few, if any, come close to creating as much surface disturbance as does the buzzbait. To a prowling hungry bass, this unique sputtering, splashing and gurgling noise that is created by a buzzbait is extremely hard to resist. I would like to educate and provide you with an understanding of the buzzbait so you can also enjoy the success of this awesome and versatile lure.

The buzzbait is designed specifically for surface fishing and lacks some of the versatility that it’s cousin, the spinnerbait possesses. Nevertheless I have found that many times a buzzbait is often more effective than a spinnerbait when fishing over grassy, weedy areas, or visible timber. Why? First of all it is less likely to become fouled in the grass or weeds. Second, in stained water or thick vegetation, the sound created by a buzzbait not only alerts bass to its presence but it allows them to locate, track, and acquire the bait much faster. Third, there is something special about the way a buzzbait will ignite the predatory instincts of a bass. A buzzbait will work best in calmer waters, however I often use one when there is a slight surface chop on the water. Although, too much wave action will erase the disturbance action caused by the buzzbait, so let your common sense take over in this situation.

When the surface temperature of the water is in the 60-degree range and the aforementioned water conditions are in alignment, I will throw a buzzbait just about anytime. Buzzbaits are typically thrown when the sky is overcast or when you are in a low light condition. Most people use the bait early in the morning or late in the evening. Keep in mind, this is simply a theory and you can throw a buzzbait anytime of the day. Buzzbaits are very effective when thrown into thick or heavy grass cover during warm or hot weather. You just might be surprised by how effective a buzzbait is at drawing bass out of the densest grass or surface matting. This versatile lure is great for locating bass. They will cast far and can be retrieved faster than most topwater baits. This will allow you to cover a lot more water in a shorter period of time. Considering that a buzzbait has a single hook that is usually offset, this will allow the bait to be fished in all types of cover no matter how dense it might be. This really adds to the locator ability of the bait as well.

I think that the biggest disadvantage of the buzzbait is the fact that bass will often completely miss the bait or strike it short. Some newer buzzbait manufacturers have helped to greatly increase the hook-up ratio by off-setting the weighted head and hook from the wire which runs the head and hook a bit deeper in the water than conventional buzzbaits. You can also buy single trailer hooks that will ad percentages to your hook-up rate. For this addition, I would recommend the Gamakatsu trailer hook. One other issue with the buzzbait occurs when you fish the bait in very dense cover. Bass sometimes have problems catching the bait. You might have to slow your retrieve a bit when fishing in these conditions. There is almost nothing as disturbing as when you see that water part and you get that huge powerful hit on your bait only to discover there is not a fish on the hook! With that being said, you must also be extremely careful not to set the hook to soon. This action will basically pull the bait right out of the mouth of the fish.

I view the procedure for an effective hookset with the buzzbait almost the same as a hookset with a Senko style worm. As with all topwater baits, you need to try and delay or hold back on the hookset a bit. I wait until I actually feel the fish take to bait. A good rule of thumb is to always set the hook by feel, not by sight or sound. The faster the fish hits the bait, the longer I wait. Many times a bass will hit the bait when they are cruising along at a high rate of speed and miss the hook entirely. They will often come back around and take another swipe at the bait if you keep your retrieve steady and slow the speed down a bit to make them think they possibly injured the bait. You can really up your odds if you have the buzzbait coated with a great scent as well. If the bass gets a taste of the scent, they are much more likely to come back for seconds.

Buzzbaits come in several sizes, but the most popular are the 1/4oz and the 1/2oz. Some buzzbaits have a clacker built in to make them louder. Blades come in all different sizes as well as shapes. One trick I learned several years ago is to take a 1/8″ drill bit and drill about 4 or 5 holes on all sides of the blades. This will force water through the blade holes and cause the water to bubble up. This will make the fish, which is looking at the bait from an underwater perspective, think that there is really something big going on near the surface. Buzzbaits are also available in one, two, three and even four blade models. The more blades a bait possesses, the louder they are.

When it comes to retrieving the bait, I like to retrieve just fast enough to keep the bait up on the water surface. If I do not get a reaction using this presentation, I then increase the speed until I get a reaction. There are times when I am “burning” the bait at full reel speed to get a bite. You might also try an erratic type of retrieve such as a fast-slow-fast or a slow-fast-slow system. You will always be a successful fisherman if you will just think your presentations out and give the fish what they want. Go ahead and experiment a little, as there really is not a “right” way to retrieve this lure. As far as colors go, you must experiment. If you have experienced success on a certain color of spinnerbait, I would try a duplicate that same color on a buzzbait. My favorite color of buzzbait is junebug or white/chartreuse with light blue.

I prefer using a baitcasting outfit when bass fishing, but when presenting a buzzbait, a spinning outfit is easier to use. I use a 7′ spinning rod with a medium heavy action and a fast tip. If I use a casting rod, I use a 7′ fast tip rod as well. My favorite rods for buzzin’ are the St. Croix Avid and the Kistler Helium. If you prefer a heavy rod, you might consider the G.Loomis MBR844C GLX. The reason it is easier to use a spinning outfit is because when you cast the buzzbait out, you must engage the reel just before the bait hits the water. This will help to pull out any slack in the line and prepare you to begin your retrieve immediately. This action is much quicker if you have a bail on a spinning reel to shut quickly. Be sure to keep your rod tip up, as this will help you to keep the bait running on the surface. Be sure not to lift the rod up too high, as this could cause you to miss a strike as the bait could lift from the surface. Go out and try a little buzzin’ and I am sure you will fall in love, when that “lunker” violently strikes your buzzbait!

G. Wayne Byrd is a professional bass tournament fisherman, who loves to teach others how to catch more and bigger fish. He is an active contributor to Fishin’ Secrets with Eric Allee and Friends.

http://www.fishinsecrets.com

It is always possible to negotiate with creditors - even if they have already taken you to court to get a judgment or to garnish your wages.

Getting a creditor to reduce your monthly payment helps and does provide short-term relief. However, this is only a temporary measure and you need to remember that the interest on your debt will continue to pile up.

You need to negotiate settlements with your creditors to get real debt relief and fix your credit.

Let’s take credit card debt first. Suppose you owe $4,000 but that the original amount was only $2500 and the rest is interest. Let’s also assume you have been behind in your payments for six moths. Call the company and explain the reason why you have fallen behind. You will need to have a real reason such as illness or the loss of a job. Agree to pay $2500 as a settlement in full. In turn, have the company agree to report your account as current to the credit reporting agencies.

Most creditors will buy off on this kind of settlement because they’d rather get the money now vs. having to wait many months or pay a collection agency. So you should be able to negotiate this kind of settlement with many, if not all, of your creditors.

However, some creditors will elect to take you to court to get a judgment. A judgment is a court order stating that you must pay the amount owed. It gives the creditor the right to garnish your wages or seize your assets, including your bank accounts.

Even if a judgment proceeding has begun, there is still time to negotiate a settlement. You can approach the creditor’s attorney (or have your attorney approach the other attorney) and make an initial offer of 40 percent to settle the case. You will probably have to go up from the 40 percent. However, a settlement may be attractive to the creditor because it saves the company attorney’s fees and the cost of seizing your assets or garnishing your salary.

If you do reach a settlement with a creditor, be sure to receive proof of payment. Also, don’t send any funds until you have a legal document that spells out the terms of the settlement. Keep a copy of this document. Make the payment as agreed and then request that the creditor provide you with a receipt or some other proof of payment.

Some creditors, especially contractors and subcontractors and the IRS, can file a lien on your property. A lien is a court order that gives the creditor an interest in a piece of some real property you own such as your home. When you sell the property, the creditor will be paid what he or she is owed out of the proceeds of the sale. Once a lien has been placed against your property, the only way to eliminate it is to pay or reach a settlement with the creditor. If it is the IRS that filed the lien, be sure to get a Certificate of Release of Federal Tax Lien when you do pay it off.
Negotiating with creditors may not be much fun, but it can help you get out of debt and repair your credit.

Have you heard about HD radio technology? It makes AM sound as good as FM and FM sound almost like you were listening to a CD … and its free! To learn more about this amazing new technology, just go my Web site, http://www.hd-radio-home.com, to get all the buzz. Douglas Hanna is a retired marketing executive and the author of numerous articles on HD radio and family finances.

Debt relief is something that millions of people need each year. For those who are looking for answers to their questions of just how to get out of debt, there is a lot of help out there. The question is, though, can they find a way to get out of debt in time? Many keep putting it off getting them farther into debt. When the only answer to debt relief is bankruptcy, people lose all hope. Before you get to that point, though, consider your options.

• You can look to debt consolidation opportunities. There are some loans available that can help you to pay off your debt and consolidate your payments into one. This type of debt relief is often only available to those who have very good credit or collateral to use with the loan.

• Or, you can look for debt relief in debt counseling. In these cases, companies work with your creditors to get the lowest interest rates available for you. Then, you will pay them in lump sum payments until your debt is gone. In most cases, you will be able to save money this way by cutting interest rates and paying a good amount each month on them.

• Debt relief can also come from loans of other types. For example, you can often get an equity loan in your home’s value that you can use to pay off the debt that you have elsewhere.

All of these solutions may or may not work for your needs. While more and more people rack up debt, debt relief becomes harder to find. If you are committed to having the best credit score and a debt free life, you will find a solution for your needs in debt relief.

Ken Austin is the webmaster at http://www.creditreliefonline.com/
and http://www.myfinanceconnection.com/