Advantages of debt consolidation

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.

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.
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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.

Condition of a cricket ball

Condition of a cricket ball

A new, highly polished ball is used at the start of each innings in a match. A cricket ball may not be replaced except under specific conditions described in the Laws of Cricket:
If the ball becomes damaged or lost. If the condition of the ball is illegally modified by a player. If, after a specified number of overs (80 in Test cricket), the captain of the bowling side requests a new ball. The ball is not replaced if it is hit into the crowd - the crowd must return it (unlike in baseball). If the ball is damaged, lost, or illegally modified, it will be replaced by a used ball in similar condition to the replaced ball. A new ball can only be used after the specified minimum number of overs have been bowled with the old one.
Because a single ball is used for an extended period of play, its surface wears down and becomes rough. The bowlers will polish it whenever they can - usually by rubbing it on their trousers, producing the characteristic red stain that can often be seen there. However, they will usually only polish one side of the ball, in order to create 'swing' as it travels through the air. They may apply natural substances (i.e. saliva or sweat) to the ball as they polish it, but any other material is illegal.
The seam of a cricket ball can also be used to produce different trajectories through the air, with the technique known as swing bowling, or to produce sideways movement as it bounces off the pitch, with the technique known as seam bowling.
Since the condition of the cricket ball is crucial to the amount of movement through the air a bowler can produce, the laws governing what players may and may not do to the ball are specific and rigorously enforced. The umpires will inspect the ball frequently during a match. It is illegal for a player to:
rub any substance apart from saliva or sweat onto the ball rub the ball on the ground scuff the ball with any rough object, including the fingernails pick at or lift the seam of the ball. Despite these rules, it can be tempting for players to gain an advantage by breaking them. There have been a handful of incidents of so-called ball tampering at the highest levels of cricket, involving players such as Pakistani fast bowler Waqar Younis and former England captain Mike Atherton.
A new cricket ball is harder than a worn one, and is preferred by fast bowlers because of the speed and bounce of the ball as it bounces off the pitch. Older balls tend to spin more as the roughness grips the pitch more when the ball bounces, so spin bowlers prefer to use a worn ball. A captain may delay the request for a new ball if he prefers to have his spin bowlers operating, but usually asks for the new ball soon after it becomes available.
Cricket balls are notoriously hard, and potentially lethal. Frederick, Prince of Wales, is said to have died of complications after being hit by one, and Glamorgan player, Roger Davis, was almost killed by one. Raman Lamba was killed when hit on the head while fielding at forward short leg in a club match in Bangladesh. Hence today's batsmen and close fielders often wear protective headgear.
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