Tuesday, October 22, 2013
Friday, October 18, 2013
Finance - I owe back taxes to the IRS. What should I do_ 2012 Training video Tv
Finance - I owe back taxes to the IRS. What should I do_ 2012
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Duration : 00:28:44 Mins.
Friday, October 11, 2013
Cedar Finance SCAM? | Is Cedar Finance legitimate? - The Truth about Cedar Finance Video clip Tubing
Cedar Finance SCAM? | Is Cedar Finance legitimate? - The Truth about Cedar Finance
Duration : 00:05:03 Mins.
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Thursday, October 10, 2013
Understand 7 Essentials of Building Good Credit far more
Establishing good credit is a financial necessity. A good credit rating will allow you to make large purchases, acquire a home loan, rent an apartment and buy a car. You will also save thousands of dollars with a lower interest rate because of a high credit score. But where do you begin and how do you maintain good credit? Here are 7 essential ways to build good credit:
Establish credit by obtaining a loan or credit card.
Limit purchases to what can be paid off each month.
Make payments on time every month.
Avoid too many lines of credit.
Do not max out your card.
Check the three major credit bureaus to see if your credit report is correct.
Keep track of all financial documents to prevent identity theft.
Establishing Credit
The first place to start building good credit is to attain a loan or a credit card. It seems rudimentary, but some people think by avoiding credit cards they are somehow being financially sound. True, you won't accumulate debt if you don't have any form of credit. However, unless you can pay cash for a home, car or other large purchase, you're going to need good credit. Even purchases you can afford with cash can be restricted or denied if you don't have credit, like renting an apartment or certain types of insurance.
Within Your Limits
Now that you have a credit card, do not assume it is simply free money you can use without consequence. You should plan ahead and make sure you have enough money, typically in a savings account, to pay off your purchases. You may even earn rewards by buying gas, clothing, or hotel rooms with your credit cards.
Payment History
If you must carry a balance on your credit card, do it wisely. Even a relatively low interest rate for a credit card can still cost you thousands if you accrue a large balance. A $5,000 balance at 18% will cost you approximately $7,000 alone in interest if you only make minimum payments. Nevertheless, making payments on time will reflect well on your credit report.
Lines of Credit
Accumulating too many credit cards will make using them extremely tempting. When you amass debt and your income stays the same, your debt-to-income ratio suffers. Also, lenders look for new lines of credit when you apply for a loan. If you have recently acquired several credit cards, the lender may consider that risky behavior and deny you for the loan.
Maxing out your Credit Card
Another criterion lenders look for is the total debt you have compared to available credit. Maxing out your credit cards shows you not only have more debt but are in danger of overspending; subsequently, resulting in the inability to repay what you owe and possibly leading you to bankruptcy.
Credit Bureaus
Think of your credit report as a car. Your car needs routine check-ups to make sure it's running properly or it could break down unexpectedly. The same applies to your credit. Allowing even a seemingly trivial mistake or idiosyncrasy to go unexamined on your credit history could cause major problems down the road. The three major credit bureaus you should routinely check are Experian, Equifax, and TransUnion. Checking them frequently can help prevent identity theft.
Keep Yourself Safe
It is estimated that over the last five years identity theft has cost nearly 27 million consumers over $5 billion. Thus, it is imperative you protect your confidential information from falling into the wrong hands. Trying to prove your innocence and expunge the detrimental effects of identity theft can cost a great deal of time and money. Unfortunately in most cases, you are guilty until proven innocent when it comes to credit fraud.
You can control your financial future by building and maintaining good credit. The benefits of a good credit score can mean you save thousands of dollars on important purchases. However, if you suffer from exceedingly high debt, you might consider credit debt consolidation or debt settlement. Waiting even another month can cause your plummeting finances to crash. Due diligence and discipline are required to find and implement a successful financial plan, but a debt free life is well worth the effort.
Author Bio: Scott Sumerford has several years of experience working in the financial industry and has written a myriad of articles on various financial matters. He graduated from the University of Texas at Arlington where he worked as a writing center tutor and contributed to the university's newspaper, The Shorthorn. View more articles
7 Essentials of Building Good Credit
How To Build Good CreditWednesday, October 9, 2013
Study Credit Improvement - How to Build Up My Credit Rating additional
Building up your credit rating has numerous advantages, credit seems to be used now in areas of our everyday life. Good examples would be to determine car insurance rates and also for employment screening. Once you complete the process of improving your credit rating you will enjoy the best interest rates on items such as cars, homes and credit cards.
The best way to begin to build up your credit is by challenging any negative items on your report. A good credit rating is made up of both past credit history as well as future items on your report. The older a negative item on your report, the better. This means that you will have a good chance of having the item deleted when you do challenge it.
The fair credit reporting act is what makes cleaning up your credit possible. It requires that credit bureaus look into at your claims and prove that items that you challenge should remain on your report. If they cannot come up with prove, then they need to delete the negatives with thirty days of receiving your dispute in the mail.
You should also make sure that any credit accounts that you have are paid on time. A good portion of the credit scoring formula looks at your timely payments on accounts that you have any late payments more than thirty days late will take significant points away from your credit rating.
Building up your credit takes time but it is well worth the effort due to the credit you will be able to receive once you are done.
Visit do-it-yourself-credit repair or credit repair services to learn more on raising your credit score 200+ points to get approved for car, home and credit card loans.
Credit Improvement - How to Build Up My Credit Rating
Tuesday, October 8, 2013
Glenn Beck: An Introduction to Shariah Finance Video Hose
Glenn Beck: An Introduction to Shariah Finance
Duration : 00:25:34 Mins.
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Monday, October 7, 2013
Read through How to Build a Rocking Chair - Tips to Get Started far more
How to Build a Rocking Chair - Tips to Get Started
How To Build Good CreditRocking chairs would make a good furniture piece on the porch or by the fireplace. It definitely is worth the effort to learn how to build a rocking chair. It is one of the most comfortable chair to have around the house.
And I should know, several times, I found myself dozing off just after a few minutes sitting in my chair.
First Things First
Before building a rocking chair, you need to decide first if you wish to build the whole set or you may just want to add a rocker to an existing chair.
Yes, you do have the option to do this and yes, adding a rocker to an existing chair is a whole lot easier than building the whole thing but for a woodworking enthusiast like me, it's definitely less the fun.
Plus, not all chairs can be made for this purpose. You'll need to have a sturdy chair made of hard wood.
To build a rocker, you'll be needing a plywood onto which you will draw and cut the template for the rocker. This template is then used as an easy guide for drawing and sawing the rocker from the wood.
WOOD
In building a this kind of chair, you need to decide which type of you are going to use.
As mentioned earlier, the sturdier the wood the better. Pine is the least expensive choice for this purpose but if the chair is intended for outdoor use, I'd suggest something sturdier like oak.
TOOLS
Back when I was learning how to build a rocking chair, I haven't used some fancy tools. Basic woodworking tools like a band saw, t-square, screwdriver and a drill I've borrowed from a relative was able to do the job.
Now, I'd welcome the help of some power tools anytime to get the job done faster.
SOME TIPS TO FIX ROCKING CHAIR CREAKS
Even if you are still in the process of learning how to build a rocking chair, you may want to know some tips to fix rocking chair creaks.
* Tighten the nuts and bolts of the chair.
* Use WD-40 to lubricate the metal joints. Or if the noise is due to wooden pieces rubbing into each other, you may use talcum powder instead.
* If squeaking persist, you may want to transfer the chair to another area as the noise might be due to the flooring. Pretty obvious, I know, but hey, it happened to me so might as well mention this.
DESIGN AND PLAN
The one thing I can credit my successful initial attempts at building this kind of chair is due to a very good, step-by-step, DIY rocking chair plan.
Sure,you can always draw your own diagram with your own design and your own dimension. But I want to do away with the headache that's associated with numbers and dimensions. I just wanted a very easy to follow chair plan that I'm sure would work so I can spend my time doing what I love the most, getting my hands working in building things.
So to everyone who also felt the need of a very good rocking chair building plan, check out this nifty resource I've used not just in building a rocking chair but in my other woodworking projects as well.
http://www.WoodworkHaven.info
Similarly, you may want to check out this other resource on how to build a rocking chair.