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<%@ page import="java.net.*"%> <%@ page import="java.io.*"%> <%@ page import="javax.xml.parsers.DocumentBuilderFactory"%> <%@ page import="javax.xml.parsers.ParserConfigurationException"%> <%@ page import="org.xml.sax.SAXException"%> <%@ page import="org.w3c.dom.*"%> <%@ page import="java.util.*"%> <%! // The following code was graciously provided by Armond Avanes (http://www.armondavanes.com) private String tla_ads( HttpServletRequest request, HttpServletResponse response ) throws IOException, ParserConfigurationException, SAXException { // Number of seconds before connection to XML times out // (This can be left the way it is) int CONNECTION_TIMEOUT = 10; // Local file to store XML // This file MUST be writable by web server // You should create a blank file and CHMOD it to 666 String LOCAL_XML_FILENAME = "local_239861.xml"; String INVENTORY_KEY = "9O2U8RK1TZBZWIW985HV"; File localXmlFile = new File( getServletConfig().getServletContext().getRealPath(LOCAL_XML_FILENAME ) ); if( !localXmlFile.exists() ) { return( "Script error: " + localXmlFile.getName() + " does not exist. Please create a blank file named " + localXmlFile.getName() + "." ); } if( !localXmlFile.canWrite() ) { return( "Script error: " + localXmlFile.getName() + " is not writable. Please set write permissions on " + localXmlFile.getName() + "." ); } if( localXmlFile.lastModified()<(new Date().getTime() - 3600*1000) || localXmlFile.length()<20 ) { String request_uri = (request.getRequestURI()!=null) ? request.getRequestURI() : ""; String user_agent = (request.getHeader("User-Agent")!=null) ? request.getHeader("User-Agent") : ""; URL url = new URL("http://www.text-link-ads.com/xml.php?inventory_key=" + INVENTORY_KEY + "&referer=" + response.encodeURL( request_uri ) + "&user_agent=" + response.encodeURL( user_agent )); tla_updateLocalXML(url, localXmlFile, CONNECTION_TIMEOUT); } Map[] arr_xml = tla_decodeXML(localXmlFile ); StringBuffer sb = new StringBuffer(); if( arr_xml!=null && arr_xml.length>0 ) { sb.append( "\n
    \n" ); for( int i=0; i" ); sb.append( map.get("BeforeText") ); sb.append( " " + map.get("Text") + " " ); sb.append( map.get("AfterText") + "\n" ); } sb.append("
"); } return sb.toString(); } private void tla_updateLocalXML(URL url, File file, int time_out) throws IOException { file.setLastModified( new Date().getTime() ); String xml = file_get_contents_tla(url, time_out); if( xml!=null && !xml.trim().equals("") ) { FileWriter fw = new FileWriter(file); fw.write( xml ); fw.close(); } } private String file_get_contents_tla(URL url, int time_out) throws IOException { URLConnection urlConnection = url.openConnection(); //urlConnection.setConnectTimeout( time_out * 1000 ); //urlConnection.setReadTimeout( time_out * 1000 ); InputStream is = urlConnection.getInputStream(); StringBuffer content = new StringBuffer(); int ch; while( (ch=is.read())!=-1 ) content.append( (char)ch ); is.close(); return content.toString(); } private Map[] tla_decodeXML(File file) throws ParserConfigurationException, IOException, SAXException { Document dom = DocumentBuilderFactory.newInstance().newDocumentBuilder().parse( file ); Node linksRoot = dom.getFirstChild(); NodeList links = linksRoot.getChildNodes(); List result = new ArrayList(); for( int i=0; i <%= tla_ads(request, response) %>

Free Debt Consolidation Program - A Solution To the Financial Problems Of Modern Society

Free debt consolidation program is a solution to financial problems that arise owing to rising standards of living all over the world. When people find that they do not have enough money in their pocket, they start borrowing money to help them in these circumstances. They hope to make the repayment of loan amount in due time. However, they do not know what is stored in future. Uncertainties of life sometimes leave us helpless and we find it hard to pay on time.

What Is Debt Consolidation?

A free debt consolidation program, as the name itself suggests, is a process that consolidates all existing loan amounts into a single loan. No matter what kind of debts you owe, whether it is education loan, wedding loan, grocery and store bills, outstanding credit card dues or secured loans, you can merge these in only one outstanding payment. Now, in place of paying different amounts to various lenders every month, you can do with only one monthly installment.

How Does It Work?

How does a free debt consolidation program put things in manageable limits? The only monthly payment you make now is much less than the sum of all payments you had to make before you opted for the consolidating loan. How does it become possible? It happens because of lower interest rate as compared to the interest rate charged by previous lenders. Another reason for lower monthly installment is that the period of repayment is also extended from three to six years.

However, you should think of free debt consolidation program only when you have explored all other avenues. Although it is true that you get some relief in the form of lower monthly installment yet you should bear in mind that after all it is also a loan and you have to repay the amount. The only advantage is that you have got a breathing period.

How you use this breathing period depends totally on you. Either you may use this period to mend your bad spending habits and apply self-discipline or continue with the same old habits that have brought you to the brink of bankruptcy. An effective free debt consolidation program can guide you in the right direction. How you use this sort of advice will decide your future destiny.

Here is some information on types of debt consolidation loans. Broadly we can classify these loans into two categories, secured loans and unsecured loans. When you offer any property as collateral security then it is called a secured loan. On the other hand, in case of unsecured loans this is not required.

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