yourfanat wrote: I am using another tool for Oracle developers - dbForge Studio for Oracle. This IDE has lots of usefull features, among them: oracle designer, code competion and formatter, query builder, debugger, profiler, erxport/import, reports and many others. The latest version supports Oracle 12C. More information here.

2008 West
Data Direct
SOA, WOA and Cloud Computing: The New Frontier for Data Services
Red Hat
The Opening of Virtualization
User Environment Management – The Third Layer of the Desktop
Cloud Computing for Business Agility
CMIS: A Multi-Vendor Proposal for a Service-Based Content Management Interoperability Standard
Freedom OSS
Practical SOA” Max Yankelevich
Architecting an Enterprise Service Router (ESR) – A Cost-Effective Way to Scale SOA Across the Enterprise
Return on Assests: Bringing Visibility to your SOA Strategy
Managing Hybrid Endpoint Environments
Game-Changing Technology for Enterprise Clouds and Applications
Click For 2008 West
Event Webcasts

2008 West
Get ‘Rich’ Quick: Rapid Prototyping for RIA with ZERO Server Code
Keynote Systems
Designing for and Managing Performance in the New Frontier of Rich Internet Applications
How Can AJAX Improve Homeland Security?
Beyond Widgets: What a RIA Platform Should Offer
REAs: Rich Enterprise Applications
Click For 2008 Event Webcasts
Today's Top SOA Links

Were You Naughty Instead of Nice With Your Holiday Spending? Offers Top Tips for Dissolving Debt!

TORONTO, ONTARIO -- (Marketwire) -- 12/27/12 -- One of the top New Year's resolutions is to get out of debt - especially with consumer credit at all-time highs, and record low borrowing rates poised to rise in the new year.

The good news? It's never too late to turn your finances around - and what better time than the dawn of a new year to get started down the path to financial security?

Improving your financial health doesn't have to be complicated. Follow these proven steps to tackle that credit card debt and start 2013 off on a strong financial foot.

1. Stick to a budget!

Though most of us are still coming down from our holiday spending "shoppers' high," pretending your bills aren't there doesn't make it true. The first step is to face reality and determine how much debt you really have.

Find those credit card and loan statements to get an idea of the outstanding balances and the interest rates each of them are charging. This will help you get an understanding of how much you owe and will make it much easier to set a budget.

A few tips for setting a budget include:

--  Review your total after tax income 
--  Keep track of what you're spending your money on each month 
--  Shop with a list to help avoid impulse purchases when you're out grocery
    shopping or at the mall (or better yet, avoid the mall altogether... at
    least for a while) 
--  Still coming up short every month? Revisit that budget and further
    reduce your costs 
--  Take advantage of fantastic free budgeting tools like

Once you have a clear picture of what is left over each month, you can start putting it towards paying off your debt.

2. Pay Down Your Highest Interest Debt First

Start your debt-repayment plan by tackling those charging you the highest interest - typically your credit cards. They charge huge amounts of interest, up to 29%, and can take years to pay off if you only pay the minimum amount.

3. Take Measures to Reduce Your Largest Debts

Once you've got a handle on your credit cards, turn your focus to your biggest debt; for many Canadians, it's a mortgage. Most people are happy to think about their mortgage as a monthly expense rather than a large debt that should be actively managed.

A few quick ways to reduce your mortgage debt include making sure you compare the best mortgage rates before you purchase or refinance, move to accelerated payments, and take advantage of prepayment options. These steps can reduce the number of years and interest you'll pay over the life of your mortgage.

4. Compare the Market

Even if you're happy with your bank or credit union, if you're looking to renew or refinance your mortgage, or shopping for a new low interest credit card, always compare the market and find the best offers.

A lower interest rate can take years off of your mortgage, while a different credit card could give you a much lower rate, give you cash back, or help you earn valuable points towards monthly expenses like gas or groceries.

5. Ask for Help!

If you'd like help managing your debt, you can always consult a financial planner or adviser. There are also credit counseling agencies, many of which are not-for-profit organizations that specialize in helping people manage their debt. A quick online search can help find a local credit counsellor near you.

About (

Over 2.8 Million Canadians have found their best rate for personal finance products on Launched in 2008, is Canada's largest and most comprehensive rate comparison site, offering visitors transparent access to the best mortgage rates as well as credit cards, bank accounts, insurance quotes and GIC rates.

Samantha Goldsilver

About Marketwired .
Copyright © 2009 Marketwired. All rights reserved. All the news releases provided by Marketwired are copyrighted. Any forms of copying other than an individual user's personal reference without express written permission is prohibited. Further distribution of these materials is strictly forbidden, including but not limited to, posting, emailing, faxing, archiving in a public database, redistributing via a computer network or in a printed form.

Web 2.0 Latest News
My favorite writer, Gil Press, sums it up with, “It’s Official: The Internet Of Things Takes Over Big Data As The Most Hyped Technology” where he talks about how Gartner released its latest Hype Cycle for Emerging Technologies, and how big data has moved down the “trough of disillusion...
When we talk about the impact of BYOD and BYOA and the Internet of Things, we often focus on the impact on data center architectures. That's because there will be an increasing need for authentication, for access control, for security, for application delivery as the number of potentia...
Ten short years ago, Apache Hadoop was just a small project deployed on a few machines at Yahoo and within a few years, it had truly become the backbone of Yahoo’s data infrastructure. Additionally, the current Apache Hadoop market is forecasted to surpass $16 billion by 2020. This mi...
COMED, my power company, sends out a monthly report that shows me my energy consumption relative to my neighbors. Every month I’m considerably higher than all my neighbors. This report also has a list of things I could do to reduce my energy consumption. The problem with this report is...
Last week, I was a keynote speaker at the Mobile Edge '16 conference in Lisbon, Portugal. Following the conference I met individually with many different companies. These companies represented a variety of industries, sizes and digital maturity levels. I was sharing my latest digital ...
Subscribe to the World's Most Powerful Newsletters
Subscribe to Our Rss Feeds & Get Your SYS-CON News Live!
Click to Add our RSS Feeds to the Service of Your Choice:
Google Reader or Homepage Add to My Yahoo! Subscribe with Bloglines Subscribe in NewsGator Online
myFeedster Add to My AOL Subscribe in Rojo Add 'Hugg' to Newsburst from CNET Kinja Digest View Additional SYS-CON Feeds
Publish Your Article! Please send it to editorial(at)!

Advertise on this site! Contact advertising(at)! 201 802-3021

SYS-CON Featured Whitepapers