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Seven Proven Tactics to Get Rid of your Debt for Good



Seven Proven Tactics to Get Rid of your Debt for Good

Indebtedness is a problem that cuts across all social classes and demographic groups. Indeed, many Americans today consider being in debt as an inescapable fact of life. However, perpetual debt has been identified as an underlying factor behind such health and social ills as suicide, domestic violence, depression, and hypertension. The good news is that there are certain tried-and-proven measures you can take to get rid of your debt for good. In this guide, we will look at seven of the most effective of these tactics. They are all practical approaches you can resort to that will help get rid of your debt quickly and effectively.

1.      Eliminate Non-Essential Expenses

If you are someone grappling with paying off mounting debt, you may consider your current lifestyle one filled with being frugal. However, you will be surprised at how much money you can save by getting rid of some everyday expenses that seem, on the face of it, inconsequential. These may include eating out, buying new clothes, alcohol, cable TV subscription, and many other spending practices. You could consider limiting family commuting and travel to a single, fuel-efficient car. When you consistently stick to frugal living habits, not the ones you know aren’t working, you will gradually find yourself with considerable extra cash between paychecks. This could be all you need to clear your debts.

2.      Find Ways to Make Extra Income

While cutting down on expenses may be sufficient to clear debts quickly (despite having a pinch) for most people, for others, it may be either inadequate or impractical. For such, the next best alternative is to take an extra job over the weekends or after regular work hours. But there are other ways of making extra income without working slavish hours. For instance, you can also make good money on the side by selling off items you do not need in the home, negotiating a pay-rise with your boss, or starting in a home-based business.

3.      Pay More than the Minimum Loan Repayment

Paying off your loans in installments higher than the minimum monthly payment is a great strategy to get out of debt quickly and affordably. It is a tactic that works well with all kinds of loans, too: from student loans to credit card debt, from car loans to mortgages. However, before you start making loan repayments in larger-than-minimum monthly installments, you should recheck the terms under which the loan was originally taken out. Though it is rare, some lenders charge prepayment penalties if debt is paid off before the due date.

4.      Use your Tax Refund Check to Pay Down Debt

Many people treat tax refund checks as windfalls worth spending as soon and as lavishly as possible. While it is tempting to splurge the refund on a spur-of-the-moment holiday or a flashy home appliance, it is a much smarter choice to use the cash for reducing—or even clearing—your existing debt. Making one lump sum repayment of your debt has several advantages. Instead of the short-term satisfaction of a purchase or indulgence, you will enjoy a lighter debt burden over the rest of the year or even for years to come. Moreover, lenders are more likely to take such a gesture as a signal that you are a reliable customer. Consequently, they are more likely to view future loan requests from you favorably and charge you lower interest, too.

5.      Use your Life Insurance to Pay Debt

Depending on the kind of life insurance coverage you have, you may use your policy to clear off your debt. Of course, this is a measure you should take only after careful consideration of what is best for you and your dependents, both in the short term and in the unforeseeable future. If you have stowed away adequate savings for instance, the option of cashing your life insurance policy to clear mounting debt may be a sensible choice.

If you have term life insurance, the process of cashing in the policy is straightforward. When an insured person puts up their policy for sale, an investor pays them a lump sum amount. The investor also takes over the premium payments and any future benefits if and when the insured passes away. If you have whole life insurance, also known as permanent life insurance, you do not have to cash in your policy to clear your debts. You can either withdraw cash from the investment component of your policy or just right loans in order to pay off your urgent debts.

6.      Get a Consolidation Loan

If you have a series of paycheck deductions going to service your debts every end-of-the-month, you will be dismayed to discover the portion of the money that is used to pay off interest (as opposed to reducing the actual amount you owe) is huge. One of the most effective ways to reduce the interest you are paying on a series of debts is to take a debt consolidation personal loan. However, it is important to note that debt consolidation personal loans are only effective for certain kinds of credit. This is because, compared to secured credit, interest on personal loans is usually higher. But a debt consolidation is an ideal choice for paying off credit card and payday loans at a reduced interest rate.

7.      Take Advantage of Statute of Limitation Law to Avoid Paying Old Debts

While the statute of limitation laws on debt vary from state to state, chances are that you are protected from the obligation to pay certain debts which have remained outstanding for over five years. If the period of time specified by the applicable law regarding payment of debts in your state has passed, the lender cannot go to court to force you to pay that debt. You should note, however, that passage of statute of limitation on your debts does not mean your old debts have been written off. Yes, you can ignore paying debts which fall outside the period of time defined in law. However, those debts will continue to show up in the books and, therefore, affect your credit score.

Dealing with mounting debt is stressful. However, the measures discussed in this guide have been used effectively by many people to finally get rid of crippling debt. Indeed, there is a growing community of former debtors who have discovered the joy of living a debt free life. Would you like to become one of them? Do you have a personal experience in managing and clearing debt? Whichever the case, we would be delighted to hear from you!


Broadway Celebrates Juneteenth



The Broadway League’s Black to Broadway initiative announces the performers for this year’s Broadway Celebrates Juneteenth concert taking place in Times Square on Wednesday, June 19th from 11:00am – 12:30pm (rain or shine).

Michael James Scott

Michael James Scott will host. Flagstar Bank will be this year’s presenting sponsor.

Phylicia Rashad

The 2024 Juneteenth Legacy Award will be presented to two-time Tony Award winner Phylicia Rashad, a versatile performer, director, educator, and humanitarian who has delighted generations of audiences through her work in beloved roles both in theatre and on screen. As an actress, Ms. Rashad has won two Tony Awards, for A Raisin in the Sun (2004 Best Actress in a Play) and Skeleton Crew (2022 Best Performance by an Actress in a Featured Role in a Play). She was also a 2005 Best Actress in a Play nominee for Gem of the Ocean. As a producer, Ms. Rashad recently received a Best Revival of a Play nomination for Purlie Victorious: A Non-Confederate Romp Through the Cotton Patch.

The fourth annual Broadway Celebrates Juneteenth concert features more than 35 performers from the following 17 Broadway shows: Aladdin; & Juliet; Back to the Future: The Musical; Cabaret at the Kit Kat Club; Chicago; Harry Potter and the Cursed Child; The Heart of Rock and Roll; Hell’s Kitchen; Illinoise; The Lion King; MJ; Moulin Rouge! The Musical;The Notebook; Suffs; Water for Elephants; The Who’s Tommy; The Wiz; and the return of the kids of Young Gifted and Broadway. All performances will be accompanied by live music thanks to The Music Performance Trust Fund and the Film Funds. American Sign Language interpretation will be provided.

The exciting line-up of Broadway stars set to perform includes: Blu Allen, Donovan Louis Bazemore, Jace Bentley, Ronnie S. Bowman Jr., Maya Boyd, Tsilala Brock, Max Chambers, Taylor Colleton, Jay Copeland, Lorna Courtney, Charity Angél Dawson, Mariama Diop, Desmond Sean Ellington, Will Ervin Jr., Jerome Hermann-Hardeman, Dorian Harewood, Jackson Hayes, Najah Hetsberger, Afra Hines, Manny Houston, Jaylen Lyndon Hunter, Bre Jackson, Polanco Jones Jr., John-Michael Lyles, Mehret Marsh, Deja McNair, Alex Newell, Veronica Otim, Cristina Rae, Jelani Remy, William Rhem Jr., Albert Rhodes Jr., Walter Russell III, Antoine L. Smith, Nia Thompson, Lamont Walker II, Rachel Webb, NaTasha Yvette Williams, and Hailee Kaleem Wright.

Joining The Broadway League in partnership for Broadway Celebrates Juneteenth are Black Theatre United (BTU), Black Theatre Coalition (BTC), The New York Times, and the Times Square Alliance. Black Theatre United has curated a selection of Black-owned restaurants to take part in the celebration by selling food and treats to attendees. Kokomo, LaMode BK, and Brooklyn Sweet Spot will be on-site with a selection of delicious options to add to the festivity.

Flagstar Bank is the 2024 presenting sponsor of Broadway Celebrates Juneteenth. Other sponsors include: The Music Performance Trust Fund and Film Funds; the NYC Mayor’s Office of Media and Entertainment; Audience Rewards; Broadway Cares/Equity Fights AIDS;; M·A·C Cosmetics; TodayTix; Playbill; The Araca Group; and Open Jar Studios.

The creative and production teams of Broadway Celebrates Juneteenth include Director and Writer Steve H. Broadnax III, Music Director Rashad McPherson, Executive Producers Brian Anthony Moreland and Aaliytha Stevens, Stage Manager Monet Thibou, and General Manager Devon Miller of Foresight Theatrical.

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Experts Can Help Revive Old Floors and Wooden Surfaces! Here’s How




Many prefer wooden floors for their unique charm and warmth. However, with time, these wooden surfaces can become dull, lose their luster, and wear out, and this is when you need to look for proper restoration techniques that would bring life to the old wooden flooring.

We are about to share restoration tips that will revive your wooden flooring and bring back the beauty of the place.

  • Check the floor condition

Before you start the restoration project, you have to assess the condition of the old wooden floor. Look for signs like water damage, stains, wear, scratches, and holes. Note down all the areas that require repairing. You can also get help from the flooring contractor Tampa Florida, to determine the extent of damage and restore the place effectively.

  • Sanding and refining

In restoration, you must remove the old finishes, imperfections, and scratches through sanding. This would help to reveal the natural surface of the wood. You can use an orbital or drum sander to achieve a smooth finish on the wooden floor. These have fine-grit sandpapers that help with the smoothing process. However, it would help if you did not overdo sanding the place; otherwise, it can create uneven patches. After you are done, apply a fresh finish coat to enhance the color and protect the wooden floor.

  • Repairing damage

Over the years, the wooden floor has undergone different kinds of damage, including water stains and scratches. To get a uniform and polished appearance, you need to repair the imperfections, so if there is any scratch or gouge, fill it with a wood pillar or putty. You can use the sanding technique to smoothen the wooden surface. If there is a water stain, gently sand the affected area and apply the wood bleach to lighten the discoloration. If the damage is quite extensive, then you need to replace the rotten boards to protect the structural integrity of the place.

  • Staining and coloring

To achieve the natural beauty of the wooden floor, you have to apply stain, and on top of that, you have to put in a desired color tone. Go through the existing decor or architectural feature, and based on that, choose a stain that would complement the space. Always conduct a small test before applying that stain to ensure the product will meet your expectations. Use a brush or rag to apply this paint and wait for it to penetrate. Finally, a topcoat is applied to protect and seal the coat.

  • Preserve the character features

Wooden floors are popular due to their appealing elements, such as grain patterns, patina, or knots. You need to retain these character features when restoring old floors and not erase them.

Summing it up

After restoring the wooden floor, remember to maintain it routinely to ensure its long-lasting beauty. Sweep or vacuum dirt and debris daily and gently mop the damp area to keep the wooden floor free from stains. To prevent scratches, you can use protective felt pads under the furniture. Also, make it a habit to avoid walking with heels or shoes on this wood; otherwise, it can damage the wood.

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Raising Cane’s and Ice-T Make National Iced Tea Day Even Sweeter



Don’t mess with Ice T perfection!

June 10 is National Iced Tea Day, and we couldn’t think of a better way to celebrate than with this sweet combination.

Iconic musician and actor Ice T is mixing up an incredible batch of delicious fun with Raising Cane’s and making this National Iced Tea Day twICE as nICE!

It’s the national holiday celebrating me – and Cane’s iced tea – and it’s great to be working with Cane’s again on one of my favorite holidays,” said Ice T. “There are two versions of iced tea: one is sweet, and one is unsweet. Both are great at Cane’s, but you only want the sweet version of Ice T!”

During a recent surprise guest appearance as a Raising Cane’s Fry Cook & Cashier at the Astor Place location in New York City, unsuspecting fans and customers got a special treat when he popped up with a perfectly filled cups of iced tea. The Big Apple got some crisp love from the star and it made for a memorable moment that will forever be frying in the minds of those who got to see him action on this date.

Today only, Caniac Club members craving the perfect summer beverage can enjoy a free 22 oz. iced tea at Cane’s locations nationwide. The offer will load to Caniac Club accounts automatically and is redeemable by swiping the Caniac Club Card or scanning the QR code within the Raising Cane’s mobile app.

For more information visit

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Bud BagsTM Launches The World’s Standard Secured Delivery Bag



Introducing Bud Bags an eco-friendly and secure new way to transport cannabis. These biodegradable courier bags, blend sustainability and security. These bags are for the environmentally conscious and engineered for unparalleled protection.

Bud Bags from BUD BAGS on Vimeo.

These bags have tamper-evident security made with features to detect and deter theft. Often they are equipped with unique seals to indicate when unauthorized use or tampering has occurred. These bags are typically used for the transportation of valuable items like cash, cannabis, or documents.

Most bags are made of plastic and mylar so they are not biodegradable. However these bags can be cusomized.

Bud Bags allows anything to be transported without knowledge. They are opaque with an adhesive strip that let you know it’s been tampered with, which means that if something’s missing, it is the company not the courier.

Bud bags is working hand and hand with ASTM International, an international standards company in transportation. ASTM International, serves over 12,000 ASTM standards operate globally. The standards are defined and set by them, as they improve the lives of millions every day. Combined with our innovative business services, they enhance performance and help everyone have confidence in the things they buy and use.

Its good to be carried by the best.


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Eli Marcus Throws One Of The Best Networking Events in The City at Fushimi Time Square



Kiril Mihajlov owner of The Consulate, Suzanna Bowling, publisher of the Times Square Chronicles, Theatre Marketing pro Keith Hurd, Doria Lee from the Time Hotel. Jeffrey Pai from The Beekman Hotel. Eric Papanikolas from the Time Hotel.

Eli Marcus otherwise known as “The Mayor of Times Square” is the king of fabulous networking events. Last night over 300 people gathered together at Fushimi Time Square, 311 West 43 St (8th/9th Aves) from 4:30 til 7pm.

Eli Marcus and Chef Sal Scognamillo of Patsy’s Italian Restaurant

It was one of the largest networking events in the city, filled with people in the hospitality, theatre and media industry’s.

Errol Rappaport, Producer Craig Horsley, Producer Pat Addiss, Singer Quinn Lemley

Gerard McKeon publisher Black Tie International Magazine and Chuck Armstrong producer and owner of Wonderama TV Show

There was a three piece jazz band, door prizes, happy hour prices with passed hors d’oeuvres

hors d’oeuvres

May Pang, companion to John Lennon in the 70’s, helped give away an 18″ Beatles Sergeant Pepper’s luggage, courtesy of Marty Singer, from Rocksax licensed Rock band products.
May Pang is featured in the best documentary I have seen in years: The Lost Weekend: A Love Story. See it on Amazon Prime, Roku, YouTube, etc. Also, check out her one-of-a kind photos with Lennon…not available anyplace else, at

The luggage winner Jayson Colon, May Pang, Marty Singer and Eli Marcus

There were also tickets to the 78th annual Theatre World Awards and Mercer Labs: Museum of Art and Technology.

Eli Marcus and yours truly

If you missed this amazing event, Eli’s next event will happen Thursday June 20 in Little Italy at Baby John’s Pizzeria with The Cannoli King himself John DeLutro. Also on Friday June 28, from 4:30 til 6:30 Kiril Mihajlov will host Eli’s third Networking event at The Consulate Midtown at 44 West 56.

This is definitely the place to be, especially if you are looking to connect.


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