The Beginning of Student Loan

Student loan is a very popular topic recently as employers are increasingly valuing the academic background of their employees. It is more difficult to find a job for candidates who do not have a good educational background to support their resume. So most of the students would like to pursue a higher education now.

However, education is always expensive. While most students do not have a job, most of them rely on their family to support their education. For those who are not that lucky that their families may not be able to afford their further education, they still do not have to sacrifice their studies because of financial difficulties, as student loan is another option for them.

What Makes Student Loan Different from Other Types of Loans?

This type of loan is very different from the other types of loan because firstly, they have a low rate of interest and the repayment procedure is also different. Now lets us take a closer look at the approval of student loan.

The Criteria of Student Loan – Get Your Student Loan Approved

At first let us take a brief look at how to choose a loan. For this the very first thing we should take a note of is the location of the bank. It is always preferable if the bank is located near the place of your study than your residence, but in case of overseas education that is a different issue.

Secondly it should always be kept in mind that the repayment tenure starts only after 6 to 12 moths after you get a job( in most cases the time is 6 months).

Last but not the least is that the banks always prefer to provide loan for traditional courses.

What types of courses do the banks finance? The banks generally prefer management courses, technological courses, medical and engineering courses. This is because they are more likely to go for courses, which according to their own analysis,  have a higher tendency for landing on a job. Parent’s financial status is also a matter of concern while sanctioning a loan.

A Guarantor Could Help to Loan More

In case of student loan the amount is little big and if you can produce a guarantor then you will have the option for a higher amount.

Applications of Student Loan Reference

The documents needed for obtaining a loan usually include:

1. Mark sheets of qualifying examinations
2. Proof of your course admission for which loan is applied.
3. Detailed course fee for the course.
4. Copies of letter for scholarship if available
5. If you are going for overseas loan you need letter for foreign permit
6. Bank statement account of the applicant for the last six months.
7. Income tax statement if available
8. Aassets and liabilities of the person borrowing the loan.
9. Identity and address proof.

Problems on Taking Up Student Loans

But the most concerning issue now is that, since the economy of the world is not in a good state it may take more than six months to get a job. The repayment tenure starts after six months of completing the course. In such critical situation a candidate defers the loan payment dates which causes the rate of interest to increase abruptly or they may land into a job where the payment is not satisfactory, they do this just to pay back the loan and thereby unable to do any savings for their own.

Student Loan Pass Due

Now if the payment of the loan is not done within some period after the completion of the course the banks would give the responsibility of collection to the collection agencies to go for harsh methods to collect the loan. So it is always a wise decision to take into notice that how much amount is being borrowed, and prepare an enterprising plan to work out on the loan repayment.

Over Burden Student Loan for Low academic candidates

There are institutions offering overcharged curriculum for students obtaining median to low academic score. If your family could not  afford the tuition, think twice before applying student loan for the courses. Unrealistic amount of student loan should not be committed as the amount plus interest comes into a huge figure which is beyond the reach of a fresher. Most likely you will have a hard time paying debts and making ends meet once you have graduated.

Tax Debt Settlement

Tax debt is the amount of taxes that an individual mainly owes to the government and are payable to some form of governmental jurisdictions. This is done once in a year on April. For most taxpayers, arranging tax debt is not very difficult, especially if the employer regularly calculates his earnings and save the amount mainly to pay off the tax debt on time. If you hardly abide any proper planning, then this article will certainly help you.

How to Pay Your Annual Tax?

Tax is generally due on the 15th of April every year. All individuals have to calculate all his incomes and with the help of tax schedules and calculators he would have an idea of the amount of tax to be paid, and fill up the taxation form accordingly. These can be done in online or offline. Everyone can file the tax return through the Internet by visiting the taxing website and choose the option of E-payment. The second option is to pay the tax through any nationalized banks or various organizations which is a very popular offline mode.

Tax Extension Option and the Consequences of  Tax Evasion

Now if you are not ready with your tax debts you can apply for extension so that you will at least get an extension period to pay off the tax. Now the question arises if the debtor fails to pay the tax, then what will happen? This is known as tax evasion and the debtor would receive a legal notice and criminal charges would be filed against him, since not paying taxes is considered as a crime.

How to Avoid Tax Avoidance?

The simplest answer is to pay off your debt on time. Either pay it once and for all after you receive the tax bill, or mark on your calendar and remind yourself the day when you will pay the bill.

Tax Debt

Monthly Payment

But sometimes paying tax on time is not as easy as it sounds in emergency situation. In such a condition IRS (Internal Revenue Service) will negotiate with the tax payer and several options can be drawn out. The tax payer can ask for monthly payment scheme or he may defer his payment date so that he can arrange for the debt. But in both above cases the interest rates will keep on increasing.

Tax Professionals

Another thing the tax debtor may do is to consult  tax professionals. But keep in mind that the tax professional also has to be paid, this payment should be kept low otherwise it would lead you into another debt. You can always opt for installment payment from the IRS to pay back your tax debt.

Consult the IRS

Lastly, you can ask for compromise from IRS. If you relate your problem to IRS that is not allowing you to pay your tax on time they may lessen the amount that you have to pay.

Pay in a Lump Sum

If an individual wants to pay off the tax debts faster then he can write to the government for the total outstanding amount that is to be paid. If the individual has gone for monthly payment then they may increase the amount accordingly so that the debt gets paid before the tenure.

Options of Paying Debt with Lower Interest Rate

Debt consolidation loan is also an option to combine different debts and repay for a monthly lump sum, the interest rates of this loan would likely be less than that the government would charge for delayed tax payment but the drawback of is that the loan term is extended.

To know about how to pay off consumer credit debt fast on your own, you must first know what is consumer credit debt? In the term of economics, consumer credit debt is the debt which a consumer incurs with his or her debit or credit card as opposed to business or government or business debt.

Credit Card debt has become the most popular trend nowadays as most of the youngsters mainly prefer buying goods by using their credit cards as they are unable to pay the cash, and by doing this that means they are concurring to give high interest rates against the overall borrowed money.

Credit Card Debt is all about High Interest Rate

Now let us see how this credit debt functions works? Suppose you want to purchase something but you don’t have the required cash for that what you do you use your credit card for that. The retailer sells you the product on condition that you will have to pay interest for the amount you borrowed. The longer time you will take to pay off this amount the higher will be the interest rates and the credit card companies make a huge profit from this. By using this method, the consumer gets his desired goods and the companies sell the goods on an increased rate than original price of the good.

Effective Ways to Pay off your Credit Card Debts

Analyse and Limit your Debts

Debt can be easily made but it is hard to pay off without increasing the interest amount. This can be done by a systemic analysis of your income, the amount you owe and it important that you stop making any other debt if you are already having some. This would only increase your pressure.

Set a Pay Back Plan

In order to gain self confidence it is advisable to pay off first the small debt which you have and then go for the bigger ones but if you pay off the bigger one first you will be relieved.

Communication is the Key

Instead of avoiding the credit card company calls talk to them, they will definitely not forgive your debt but may decrease it by certain percentage. Always go for written conversations so that you have proof that you are trying to pay off your debt.

Assistance from Counselors

You can also take the help of credit card counselor, they will help you to categorize your income and your debt therefore suggest you method to pay them fast.

Most Important Point – Control your Spending Habits

A systematic analysis and effective budgeting will help you to manage your expenses and help to pay more to the creditors.

Termination of Credit Card Account

If you are thinking about the option of closing your credit card account so you can get away with the outstanding balance, then you are wrong, the debt still have to be settled before the actual closure of the account. For further denial the credit card company can sue to the court and make your life miserable. So before taking any drastic steps, please take an expert advice and always pay off your debts as soon as possible.

Always Use Debit Card First

It is always better to buy things with cash than to go for the credit cards, use a debit card rather than credit card. Even if you have used your credit cards, use it for smaller amount and make sure to pay it on time so that the interest rates do not increase. Do not be hasty while paying off debt.

How to Take Advantage and Make Good Use of Credit Card (only for those who can properly control themselves)

Instead of piling up debts, if the owner could control himself and be organized, one can usually get some bonus on applying credit cards. Make sure you following the followings:

Apply for Credit Cards with Lots of Discounts or Free Gifts which are Useful to You

For most credit cards there are welcome gifts for new members, so as to attract applicants. It maybe a cooking pot, a bicycle or anything else, and usually you can get it for free if you spend a certain amount in say three months. Using credit card may have a discount on shopping or catering in specific shops or restaurants.

Always Use Credit Card to Pay Your Bills, if Possible

If you have to make a payment, go for credit card if it is a form of payment, no cash, no debit card or others. Most of the credit card offer cash reward if for a percentage of amount you spent, for example, cash reward for $2 for spending $200.

Most Importantly – You have to Pay ON TIME

Since the interest rate is unbelievable high when you defer your payment, always pay what you had consumed on or before the payment due date. Or you will just get yourself to become a prisoner of debt again. That is why only controllable individuals can make good use of credit cards.

Small Credit Card Debts Could be Accumulated to Form a Big Debt Snowball

Credit card debt is an example of an unsecured debt which is accessed through credit cards when a client of the credit card company buys anything or acquires any other services. The amount of debt keeps on accumulating and the interest rates keeps on increasing. Huge penalties will be taken if the money is not paid in time.

Ways to Pay Heavy Credit Card Debts

Monthly Installments

Now how to pay the credit card debts? The credit card debts can be paid by negotiating with the credit card companies or can be paid through installments. If the debt is paid in regular monthly installments then the debt gets paid up in its due time but the condition is that no new debts are made. If the regular installments are not paid then the interest calculate over that amount makes total payable amount huge.

Negotiation

Credit card debts can be negotiated with the lender. If you think that it is impossible for you to pay the debt amount, you may talk to the lender, he will definitely bring out some options. He may either lessen the amount to be paid in per installment for the total amount due (less likely) or may waive some extra charges for the net amount. All these negotiations should be written and not verbal. Because according to law verbal communication is not considered as a legal binding, so it should be written and signed.

These things can be very irritating because when it comes to lessening the amount the credit card companies can turn deaf to your request, but you have to be patient. The credit company while writing the agreement keep a clause that the amount has to be paid in full. So to lessen the amount the borrower has to be calm and patient. All the negotiating documents should be done in writing and should be kept carefully so that it can be produced when needed. In case of legal proceedings these written notes act as a proof that you are willing to pay back the loan and have done necessary things for that.

Beware of Legal Actions if you Ignore the Credit Loan

Credit card debt is an unsecured debt so if the amount is not paid in full, the credit card companies can sue you for it. It always depends on the credit card companies, some companies may keep on adding the amount and then charge you a huge amount. They may also give you some time to repay but it would only increases the interest rates on the amount due at the same time. When this outstanding amount becomes huge they ask for payment which then becomes a burden for the borrower and he may even be sued for it or even lose his property.

If the borrower is unable to pay the amount borrowed then the companies may take up various steps, they may send collectors to collect the money, they may take up legal steps to collect the money or they may even claim your property.

Another question is that, if the borrower dies then what will happen to the loan? If the borrower dies before paying the debt then the loan will not pass on to his or her heir but that will pass on to his property. His property will be claimed by the credit card companies.

Home Equity works when a borrower take up a loan for pledging his property. In case of other kinds of loan you can contact your lender if you think that you are unable to pay back the loan and they understand your situation and reconstruct your payment structure which may suit you, but in case of home equity debt if you are unable to pay back the loan in time they will take away your home from you and sell it for repayment. People mostly use this method of credit for long term loans like education loan or medical loan, but not for daily expenses.

Home Equity Loan Easy Explanation

Home equity loan is also a type of second mortgage by borrowing money taking your home as collateral.

Home Equity Line of Credit as Second Mortgage

Home equity line of credit is also known as HELOC, works simiarly as home equity loan. In this type of second mortgage a lender pays a large amount of money within an agreed period of time and the borrower have to mortgage their most valuable asset, which is their home. Where necessary, borrowers can credit the paid repayments and borrow again, and pay back with interest later.

Let’s learn more about the differences between home equity loan and HELOC.

Home Equity Loan and Home Equity Line of Credit

Home Equity Loan Similarity

Same as home equity line of credit, home equity loan also involves in putting up a loan with your property as collateral.

Differences Between Home Equity Loan and Home Equity Line of Credit

Flexibility of the Terms

Home equity line of credit differs from traditional home equity loan in that HELOC uses line of credit like that of the credit card, a recurring balance is incorporated and borrowers can credit an amount over the HELOC duration, and pay it back later in recurring months; for home equity loan, no further loans could be made once it is settled on the first time unless you pay back the loan and reapply.

Fixed and Variable Interest Rate

For HELOC, the repayment method is the total amount plus floating interest; and home equity loan is a fixed lump sum amount that borrowers could pay back in a period. The borrower can take up any amount for monthly repayment but that has to be greater than the minimum payment. Another difference for home equity line of credit is the float interest rate where that of home equity loan is fixed. That means the interest rate tends to change over the period of time for HELOC. In a few countries HELOC loans were placed under taxable income.

The popularity of HELOC increased because of its flexibility in terms of borrowing and in terms of repayment because you can use it to loan again within the HELOC period. It is very important to keep in mind that failure to pay back the loan will cost you your dwelling.

Negotiate HELOC Settlement

Now if you want to negotiate your HELOC then you have to talk to your lender, in some cases the lender asks for a lump-sum amount of money for settlement, because the lender thinks that according to the present economic conditions people have nothing such valuable or equity at home that can fulfill the amount, so if they ask for a certain amount then they will get something. Now if you are not in the state of paying this amount then you could borrow it from your relatives or take loan from your retirement account and accept this offer made to you.

Foreclosure if Fail to Repay

Home equity loan is a much secured method of borrowing money without the risk of being sued. In case you fail to pay back your house would be foreclose your home and sell it and take the amount even before banks can proceed further. Now if the borrower dies then loan becomes due on full on the immediate death of the borrower i.e. the only way left to pay the mortgage amount is to sell the house, but in case if it is a joint loan then the amount gets transferred from the borrower to the person with whom it is joint. But it gets difficult to pay back with only one earning member so the option left is either to sell the house or downsize the amount.

To Much Debt to Deal With? Consider Debt Consolidation

It is a proven fact that debt is an easy thing to acquire but hard to pay off. A good number of people, due to the lack of insight, have gone through such a condition where they feel as pushed up against a wall mainly while managing numerous bills. Abundant loans such as car loans, credit card debt as well as medical bills along with your other monthly expenses will compel you the search for a loan mainly required for debt consolidation.

How Does Debt Consolidation Work?

But before proceeding further let us have a close look regarding the reality of a debt consolidation loan. This is such a loan which fundamentally takes all of your bills and combined into one monthly payment which is undoubtedly inferior to the sum of payments on individual amount outstanding. So it is easier and convenient as long as you are capable to make this monthly payment. This way, your overall credit score will remain in good position and you will get a chance to live a hassle free life by simply avoiding the high interest rates of individual loans.

The False Impression and the Truth of Debt Consolidation

Well the interest rate would appear to be less than it seems. Of course there will be a drawback as nobody would help you pay the difference. After debt consolidation you would end up dealing with a debt of longer term, so yes, less payment per month means you have to pay it off in a longer period, which in most cases end up paying even more for the loans you are entitled for. So this is the trade off you have to make with debt consolidation businesses.

But before taking a loan for debt consolidation, understand the terms and conditions and learn the underlying facts which will certainly play havoc in the process of taking personal loan for debt consolidation. Most debt consolidation consultation is free of charge, which is a good way to shop around. One must experience lots of difficulties mainly for obtaining a loan required for debt consolidation.

Assets or Collateral as Guarantee

If you are going through a massive debt-to-credit ratio, then the bank will certainly deny you for the loan. There is certainly a way out as you have the option to offer some assets or collateral to the bank in case you unable to repay the loan. These assets or collateral are the most secure and recognized processes to obtain a personal loan.

Search for a Cosignor

Though offering assets or collateral is a known and secure way but there are other options like having a “guarantor” or rather a “co-signor” who will sign or take the responsibility of your loan. This guarantor should be a person whom you trust and who trust you also. This guarantor may be your friend, family members, spouse who will agree to repay the loan in case if you fail to do so.

Bankruptcy or Debt Consolidation

You need to handle these kind of crucial situations very carefully. Many people think that the only option to get rid of this situation is bankruptcy and afterwards they will regret for taking this step as this will leave an everlasting mark on their credit scores. It is the Debt consolidation program which only can save you from such critical position of life. The process could be as simple as making a phone call.

Is Debt Consolidation a Workable Solution for You?

If you can handle the sum of your monthly debt easily, of course, you are better off now. However if your debt to credit level is as high as 0.8 or higher, it maybe difficult for you to even get on with your living expense. In this case you could get into the detail of debt consolidation

An Example:

If you have to pay $2400 monthly on car loan and credit cards and your monthly salary is reduced to $3000 due to the unexpected change of economic environment, your debt to credit ratio is 2400/3000 = 0.8. You are left to live off with $600 as daily expense. Depends on family and individuals, if $600 is too hard for you to feed 4 people in the family per month you could consider debt consolidation. At the result you could be paying $2200 a month, leaving $800 as your monthly consumption.

The two fold benefits of debt consolidation program will bring a sense of security in your life while saving you from fresh harassment. Instead of five or six monthly payments, you will have to make a single payment and this way you will able to get rid of high interest rates. This will also allow you to manage your budget therefore helps to reduce the heavy monthly expenses.

But at the end of the day, to be truly freed of financial worries is to control your spending habits and work hard to increase your income. If the economy is bad and is difficult to get a job, spend less; if you have extra time, try to find some part time or temporary job. One day you will be able to be freed from debt.

Resolve Debts by Proper Debt Management Techniques

Debt is always a burden in life. While it is getting difficult to run errands and make ends meet, having debt would just deteriorate the living quality of debtors.

Financial condition, this term, though small, it is of great value. It is very important to manage your finance. If you are having debts and you want to clear them out on your own, the followings will provide various methods in which you can manage your own debts and pay them off on your own without delay.

Given below are few points that would be of great help to you if you are really worried about the ways to get rid of your debt. It is always wise not to increase your debt. This will help you to stay within your means and not to spend much. It is always a good habit not to use credit card to buy anything, and even if you do it is better to pay off without delaying so that the interest does not increase.

Proven Debt Management Skills

1. Track and Limit your Expense

It is better to keep a track of your own expenses i.e. how much is your income, how much is your expenditure and how much is your debt.

2. Prioritize your Debts

Categorize your debt as which one to pay first the one which is less or the one which is more. If you pay the one which is less it boosts up your confidence. If you pay the one which is more, it provides you relief. Now it depends on you which one to do first.

3. Avoid Further Debts

It is always crucial to limit your debt by stop getting into another one. If you think that you will pay the credit card amount later that will only increase the interest and the amount which you will have to pay back, the debt you have to deal with will just keep on increasing. Stop making excuse.

4. Know Your Debts

It is advisable to keep track of how much amount of money you owe to people and how much amount you have to return and what are the terms and conditions for it.

5. Consulting Agency Would Not Help Much

Do not consider the payback agencies for your debts that are your last resort. They tend to be very tempting but a lot of risks are involved with it. So it is better you pay off your debts on your own.

6. Talk to Loaners Where Necessary

Never give up; it may be that the creditors are hounding you. You are so scared that you are not taking up the calls. Instead of doing this it is better to talk to them, assure them that you will pay them back, explain your problem to them. They will definitely pay heed to it. If you are on credit card loan, call your credit card companies they will not forgive your loan but may decrease it. It is always better to write to them because if by any means they drag you to court then you will have the proof that you are trying to pay back their loan.

7. Counselor is your friend

If you find it difficult to do these things alone, take the help of the credit card counselors. They will help you to manage your finances and pay your debts on time. If you could not find a counselor, find a trustworthy friend with good management skills to help you.

8. Do not Reveal More than Necessary

While dealing with the collecting agencies, keep your conversation short and sweet and it is better not to share much personal information.

9. Keep a Schedule of Making Debt Payments

If you have more than one debt to pay for, or even if you own more than one credit card, a good habit to ensure you are not delaying the payment is to stick with a schedule. In this way you would not be charged premium because of payment delay.

10. Physiological and Emotional Factors

If you really want your future life to get better, always keep it in mind to act towards paying off your debt. This is like the most important point among the aforementioned. Only if you want it so much you would have the initiation of working towards your goal.

Fighting debts is a long term battle. With the proper debt management skills and determination some debtors even could pay off their debts earlier than the proposed calculations.

Lowering or Paying off Residential Mortgage Debt, Any Ways?

Debt is such a thing which most of the people want to avoid and the payment process may haunt you throughout your life if you do not know how to pay the debt in time. Residential mortgage debt is one of those many reasons for which people are in great debt today. People mainly take this loan when they are thinking to purchase some kind of mortgage or rather a home. This is some of the easiest loans to get but hard to get rid of. All of us are concern on such critical juncture where you want to get rid of residential mortgage debt as possible, or reduce the recurring monthly debt, but how?

Run Residential Mortgage Loan Evaluation

But is there any way to settle residential mortgage loan on your own? The answer is yes. Residential mortgage debt is such a matter which you can resolve on your own, but all you have to know every detail like a professional regarding the terms and policies of the lender, or else you are just putting yourself at risk. Run some calculation to find out the amount you owe and the amount that suits your budget will help you to plan you payment scheme. But if you are unable to plan it, then you can also take the advice of an expert who will help you to get rid of these critical calculations. Some of the common loaners like banks would also run evaluate all of the candidates before approving the loan.

Mortgage Loan Negotiation

If you are done with the required calculations, then it is the time to negotiate the matter with the lender. Don’t forget one thing that you are not dealing with a shylock, and everything is negotiable under the sky if you have the capability to deal with the matter properly. But never rely on the verbal negotiation and always ask for written agreements because if they sue you, then the written agreements will save you from fresh troubles. But do remember one thing that this negotiation is only valid if both the parties are agreed on. It is also a fact that most of the lenders are willing to do business with you as they also want that their debt should be cleared anyhow.

Make Sure That You could Easily Pay the Monthly Rate

Now comes the question about the legal proceedings if you unable to pay the debt. If you are failing to pay the debt on time and think that nothing will happen, then you are living in fool’s paradise. Your chances are very high of that you can be sued mainly for the unpaid debt. Most of the people cherish a wrong perception that nothing can be done with then if they failed to clear the loan. You have to understand one thing very clearly that you are certainly not free as you certainly not have any collateral. Moreover, there are numerous options that a lender can adopt mainly to collect the unclear debt.

Mortgage Loan After Death

Many people ask about the future of the residential mortgage loan if they die. The answer is very simple and interesting. If you are the joint owner of the debt then the second person in the agreement will have to pay the entire loan. But if you are the only person in the agreement then the lender will sell your house mainly to pay off the pending debt.

Creating email templates in Gmail would be handy for Gmail users if they would like to send a similar email to different recipients again and again. It is more convenient than searching the sent email and do copy and paste everytime. So this time I would cover how to set up email templates in your Gmail so you would just have to click on your template to retrieve the content you had already prepared instead of search, copy and paste.

Gmail Email Template

Widget Setup

1.  Login to your Gmail account and click on the Gears -> Settings (on the left).

2.  In the Settings page, click “Labs”,  enable the widget “Canned Responses” as below and save your settings.

Create a Email Message Template

3.  To create a message template of email, click to compose a new email, complete the content and select “New Canned Responses” under the Subject line (next to “Attach a file”)

4.  Name the  new canned response and you are done!

Insert, Save, Modify or Delete a Email Message Template in Gmail

So now that you have created a email template, you can retrieve that whenever you want after checking out the Canned Responses button.

Insert Email Template

To apply a email template, click the desired template under “Insert” module.

Save Email Template

After your template is loaded and you want to save the changes, click your pre-saved template under “Save” module.

New Email Template

We’ve just covered that on the first half of the article. That is when you want to Save the current message AS some other email template, act like Save As… function.

Delete Email Template

Click the template you want to delete under “Delete” module to delete it.

With this simple introduction now you can create some email template in your Gmail and save some more time!

Setting up 301 redirect by .htaccess is the best way to keep your traffic and help search engines locate your new domain address. I was doing redirecting now and it is just a piece of cake. Anyone could complete it under 5 minutes.

Well there are times that we would like to migrate your site or your blog to a new domain. To migrate the entire site we could just  change our .htaccess file to a simple line and you can do it no matter you are a programmer or not.

301 Redirect at Your Hosting FTP/Directory/Folder

If you have no experience of any knowledge on htaccess file, and do not want to spend time read and learn the coding and solve the problem, here are what you have to do, you will be able to complete that in a very short time:

1. Login to your hosting or go to your ftp hosting panel and locate folder where you put your hompage or mainpage at (homepage’s index page).

2. On the folder where you have your frontpage (index.php or index.html or index.phtml), locate a file named as .htaccess. If not, create a .htaccess file in that directory/folder. Remember, there is a [dot] in front and the name HAS TO BE EXACTLY like

.htaccess

copy and paste that to make sure there is no typing error. And upload the file to the directory mentioned.

3. Edit the .htaccess with this single line of code.

Redirect 301 means that you are telling the search engines the whole site is being moved to a new domain. The slash stands for the current site, following a space after with your new domain.

301 Redirect at Your vhost config File in Apache Server

If you are hosting your own domains like me, you can do this in an even simpler way, redirect the domain by modifying the httpd-vhosts.conf file directly.

Simply change the “Location” part with the redirect 301 line, others remain unchanged, here is a reference:

<VirtualHost *:80>
ServerAdmin webmaster@localhost
ServerName olddomain.com
ServerAlias www.olddomain.com
ErrorLog "logs/local-error.log"
<Location />
Redirect 301 / http://newdomain.com/
</Location>
</VirtualHost>


Test Your Links After Migration

After you have change your domain you have to restart the server to test it if you are doing your own hosting. Remember it may take sometime for you to see the effect. A good way to test it is to clear all the cache of your browser. Or you find that it is not working!

When it is all done, make a good habit of notifying the change of address in Google and Bing Webmaster tool to make sure they know about the change and so that they can crawl your new site. Submitting a new post or major change of source code on your front page can help to speed up the progress of search engines identifying the change of domain.