Financial Debt Settlement – Are Totally Free Consolidation Packages Accessible?

When you are fighting the onslaught of financial debt, the words ‘free debt consolidation’ come as music to the ears. Consolidation is the process by which you can merge all (or a major portion) of your debts into a single loan at a lowered rate of interest and get rid of the debt within a span of 12-36 months depending on the amount of original debt balance and the terms of negotiations with the creditors on the payment schedule. Therefore, it is but expected that an offer of free consolidation will be welcomed with open arms by a debtor. However, more careful examination of the terms and conditions may show that it is not the entire debt consolidation process that is being offered for free by the consolidation companies but a portion of it.

What most of the consolidation companies offer as free is the online quote or analysis on your financial condition that is carried out by them once you fill out a form providing the details of your debt and finances. They may also provide information on how much of a saving you will be able to procure with the consolidation (through facts and figures based on their calculations). This is in itself a great help as the analysis could show you whether or not consolidation is the right option for you or whether you should explore some other method to get rid of your debt. There are also some consolidation companies that provide free services and counseling about managing your finances and getting out of debt, but request for a fee to provide a final solution. This is also quite justifiable since they need to put in some time and effort into negotiating a deal for you.

Therefore, while all services rendered by the consolidation companies may not be free, it is possible to get a lot of free services (apart from the final solution) for free which should help you to either work out a deal on your own or take a decision on hiring the services of a consolidation firm.

Free Information From The Ultimate Music Success Seminar

The Ultimate Music Success Seminar will be held on November 19th, 20th, & 21st at the Grammy Museum at LA Live in the heart of Los Angeles. The point of the seminar is to give a limited number of up-and-coming music artists insights into and connections with leading professionals in the music business. The event was created by talent manager Ken Kragen who knows that it takes more than talent and drive to be a success in an industry as complicated and large as the recording and concert scene.

The Ultimate Music Success Seminar Site

The site itself contains plenty of basic facts and observations related to the pitfalls and obstacles that music performers face. You’ll find information on the industry in general, on how to qualify to attend The Ultimate Music Success Seminar and on what the seminar offers participants.

The site gives those who want to audition for the seminar the opportunity to do so, provides information related to what participants receive at the event and gives insights into the caliber of the speakers and seminar leaders.

Free Download from The Ultimate Music Success Seminar

One major free item found at The Ultimate Music Success Seminar is a download entitled 6 Secrets of Success in the Music Industry. This item, which was created by Kragen, includes powerful tools that will help you build relationships in the business, a section with insights on how to create positive buzz and methods for defining your long term and short term goals.

Learn to use The Magic of Threes to create positive attention and understand how Creating the WOW Factor can set you apart from all others. Thinking Backwards for Forward Motion shows you how your unique qualities can make you a winner, while Life is a Contact Sport is all about using your contacts in the best way possible.

There are also moral guideposts that can be found in the sections entitled How To Get Caught Telling The Truth and Doing Well By Doing Good. Kragen has found that the truth can be an important tool in your success and that good fortune is generated when performers start to give back. Both of these can create massive positive results.

To access the free information at The Ultimate Music Success Seminar website, navigate to Along with everything else mentioned in this article, you’ll find a welcome video from Kragen himself. There’s a lot of important information on the site.

London Apartment – Everything You Need To Know Before Booking A Serviced London Apartment

A few weeks ago a secretary telephoned me in absolute desperation. She was desperately searching for accommodation in central London for some VIPs from abroad. She stumbled onto my website, not really understanding what the service was about. I think the words ‘free service’, ‘apartments’ just helped her to figure out that Quality London Apartments had something to do with accommodation. Apologies for my long opening, but it is a prime example of how little travellers in the UK and Europe know about the serviced apartment industry. After explaining the concept of serviced apartments and helping her find an apartment, I realised that I needed to share this knowledge further afield. Thus, this article is my contribution to open up this elusive industry and offer tips to travellers.

What is a serviced apartment?

A serviced apartment is a flat in a block, which has a separate bedroom, sitting room/lounge, fully equipped kitchen, your own private keys to own door. Serviced apartments can be in the form of a studio flat (all in one room with a kitchenette), one, two or three bedrooms.
All apartments enjoy maid service, utilities and a management team to help….just like a hotel. Guests only pay for a nightly rate and can live in a flat with everything they would have in their own home.

Pros: Serviced London Apartment vs Hotels

  • More value for money and cheaper. In a hotel, no matter which star rating, you pay per night for one room which will have a TV, bathroom, sofa and a bed. This is similar to a studio apartment! In an apartment there is a separate bedroom, kitchen, sitting room, bathroom and dining table (exception is studio)
  • Pay per apartment and not per person. An example would be paying £250 per night for a two bedroom apartment, which could accommodate up to 4 people, that works out at £62.50 per person.
  • Freedom and privacy. An apartment is like being in your own home and there is plenty of space. You have your own keys to your own door.
  • Booking is easy, just like hotels. The majority of apartments require a credit card to guarantee, pre-payment before you arrive and that’s it. No deposits, no tenants’ contracts.
  • Cons: Serviced London Apartment vs Hotels

  • Apartments lacks the buzz and services of a hotel such as restaurants and Room Service. Albeit some apartments are owned by hotels and offer you the use of their restaurants and other services.
  • No 24-hour service around the clock. The apartments are ran by a small team who work Monday to Friday 9:00am – 6:00pm, so you are on your own during the weekend. There are emergency numbers to call should you suffer an electric cut, but no 24-hours hotel Duty Manager to run to your room.
  • No pool, massages, saunas like hotels
  • What to look out for when booking a serviced London apartment?

    1. Quality of the apartment – make sure you find out if they are clean, well furnished and well maintained. How? Check the photos, and ask if you can book an appointment to view the apartment. This is very important if you are staying over a long period of time.

    2. Do they have a friendly and efficient management team? If you need the comfort of a welcoming face to greet you on arrival, then ask for an apartment with a reception. Some apartments provide key boxes, so you can arrive any time, but there is no-one to meet you. A friendly and small team will be able to give you a very personal touch.

    3. Opening time of the apartments office – doesn’t sound important? Well it is because the majority of apartments’ operations team open Monday to Friday 9:00am to 6:00pm. If you arrive at your apartment during office open hours, then fine, but any other time and weekends will mean that you will need to pick up the keys from a different location.

    4. Key delivery by car at the airport? – If you are flying from abroad to London, and do not fancy traipsing throughout London at night to pick up keys, the majority of apartments will hire a taxi to deliver your keys to the airport upon your arrival. Convenient for a small charge.

    5. Payment procedure and cancellation policy – every apartment vary in their guest terms and conditions. All will accept a credit card as a guarantee of reservation, some will ask for 100% pre-payment at least 7 days prior to arrival and cancellation can range from 12:00pm on the day of arrival to 28 days. So, before you confirm the reservation, be very clear about the terms and conditions. Ask your apartment agents to explain the procedure to you and read the terms and conditions on your confirmation emails. It will save you a great deal of trouble and headache later.

    6. Apartments are always allocated on arrival. This policy is the same as any hotel, so unless you are a regular guest to a specific apartment, apartments are on allocations. In the same breath, some apartments only have a small number of flats, so if you are reserving the only 3 bedrooms penthouse in their collection, then you are guaranteed that specific apartment.

    7. Rates become more competitive the longer you stay. In this, we mean you have more bargaining power if you are staying for one month or longer. This is when your apartment agent can really help you by negotiating with a variety of apartments to get you the best deal.

    8. Using an apartment agent will also save you time searching, but most importantly they will work with your budget and negotiate a great deal for you. Of course, you also need to be realistic about what you can book, don’t expect to spend £80 per night for a luxury apartment. For example, one of our clients had £300 budget per night for a two bedroom apartment and he wanted something luxury. For those readers who know London well, also understands that this budget is actually very small. Despite that, we booked him and 3 friends into the Victoria Park Plaza luxury apartment (£150 per night less than the usual price) for £300 per night with free breakfast, gym and access to the executive lounge. Any apartment agent worth their salt can and will move mountains to help you.

    What if I don’t like the apartment when I get there?

    If you really feel that you have been hard done by, tell the apartment management team and ask to be moved to another apartment. All of the apartments that we work with are very customer focussed and try to help guests enjoy their stay. If this does not work, talk to your apartment agent, if that is how you booked. Best advice though, is to ask all the right questions before you book an apartment.

    Your appetite for apartments is now whetted – how do you find London apartments?

    1. As already explained, you can choose a free search and book service of an apartment agent or go direct to a specific apartment that you know. Both methods are absolutely fine, dependent of your knowledge of London apartments. Using an agent will mean that they will search far across their portfolio and present you with a variety of choices…all within 10-15 minutes. Agents are impartial and will only (good agents anyway) recommend the quality apartments for your needs.

    2. You can use search engines like Google, Yahoo and MSN to find apartments. Type in keywords like ‘London serviced apartments’ or ‘quality London apartments’ and so on.

    3. Stating the obvious but, ask for a recommendation from friends and acquaintances.

    4. Check on and other customer review websites.


    If you have read this far, then thank you for your time. I have tried to make this article clear and as helpful as possible, but I welcome your comments and any further information that you feel is very important.