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What is “Credit” and why would it need repairing?

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Credit Score

The term credit is simply the use of someone else’s money as payment for purchases. This money is loaned to you in most cases through a “Credit Card” or “Loan” and the legal contract you enter when you accept borrowing money is to also pay back that money. If you do not have the money to pay back when it is due, it is common that an interest charge is added to the money that was borrowed.

 

Borrowing money on credit has many positives, like ease of use, convenience, reward programs, etc. but, buying on credit can be a slippery slope for some leading to bigger issues than the original issue that the money was borrowed for.

Let’s look at getting started with credit and dealing with credit issues as they arise.

When you apply for a loan, credit card or mortgage, it is normal for the agency to check your

A positive assessment means you have a good financial background, which increases your chances of receiving the credit you are applying for and obtaining a lower interest rate on the money you borrow. A negative assessment decreases your chances of receiving the credit you are applying for and increases your chances of having a high interest rate on credit you do get.

If you have a great credit score and always pay back everything you borrow on time without interest fees, penalties, or additional charges, good for you. If not, you will want to continue reading.

Consumers with poor credit scores and a history of credit related issues need to re-establish their good credit standing, this process is called “Credit Repair”. Credit repair involves fixing your outstanding credit issues and fixing the actual credit report by taking the necessary steps in addressing omissions, misreporting, misinterpretation and/or other inaccuracies.

If there are any discrepancies found in the credit report, the consumer is entitled to dispute the errors that unjustly harm their financial health and credit worthiness. There are several laws and regulations that are designed to guarantee fair and legal undertaking of the credit report process. These laws can be used to legally and formally start the process of credit repair.

Every consumer is entitled to one copy of credit report each year from each credit reporting agency.

Investigations with regards to the real nature of the inaccuracies and errors are possible and necessary for a successful credit repair.

How can I repair my credit?

The process of credit repair can be achieved through hard work and discipline. Easy methods, which can help you get out of poor credit history, can be quite tempting. However, the easy way out may also lead to further difficulties in the future especially if they are done in a shady or even illegal way.

In case your poor credit history is caused by circumstances beyond your control, you can always request for an upgrade in your credit rating to your creditor. However, this can only be done if you were able to make amends to your credit records after the circumstances.

 

 

Creditors do not trust consumers who default on their payments. This can pose a difficulty to you in obtaining a new credit. However, once you demonstrate enduring stability in your income and

prompt patterns in your payments, the situation can improve in the span of two to three years. This way, even though there is a case of bankruptcy, you are likely to be eligible for credit cards within two years if the steady income is maintained.

Keep in mind that there are no quick fixes in repairing your credit, but it can be done and there are many reputable businesses that work with the best lawyers and personal finance consultants that are available to help you.

Always work with reputable companies with a track record of success and always do your homework to help your future self get back on the track you want to be on.

You can be independent, financially secure, and own that home you’ve always dreamed of. But not until you decide to do something about it.

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Distance Dating: It’s Time to Connect

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No matter what your age, height, weight or physical appearance, there are thousands of people out there eager to meet you. Whether you are looking for a short-term, long-term, serious, casual, platonic, romantic, or even an exclusive WhatsApp just looking to talk relationship there are many options out there.

If you are on-the-market again after a relationship has ended, or are swamped with work and have no time to go out and meet anyone, you need apps and virtual meetups to open the door to the dating scene for you.

How to Get Started

Couple PPE Heart

The good news is that all you need is a phone to get started. The first thing to do is find an online dating site that fits your needs. There are the large sites that offer many extras like live video chat and even match you up with ladies using your profiles. Also, a lot of sites that cater to special interests like religious preferences, outdoor enthusiasts, sexual orientation, and many more. You need to choose one or two that will meet your needs, and see if it’s a good fit.

Showcase your Personality

Nerdy Personality

The next thing you need to do is write a killer profile that is honest. Upload a recent photo of yourself that accurately represents yourself and shows you at your best. Whether that’s having fun with friends and family, or at a cool event, use photos to showcase your personality.

When you join an online dating service, you are looking for someone you can potentially spend the rest of your life with. In order to find a good match for you, you have to be completely honest about yourself when writing an online profile.

Stay True to You

Girl Keep it Real

The best way to begin writing your profile is to be genuine about your personality and interests. A witty joke can go a long way, and a write-up that is longer than a sentence or a vague statement. Many people appreciate a well-written profile — a blank profile is a faux-pas. If you’re not much of a writer and feel intimidated about filling out a profile, enlist the help of a friend who can accurately help you express yourself, your hobbies, and keep your profile true to you.   

Never lie about your appearance, age or profession. The truth will eventually come out, and you will miss opportunities with potential suitors and get a bad reputation. The idea of online dating is to find someone who appreciates you for who you are — if you lied in your profile, then your first date will go horribly wrong.

Put the Past Behind You

Last of all, once you have met someone and have decided that you are committed to each other, delete all your online dating profiles. Keeping your online profiles can be dishonest, and make you appear available.

Once you have done this, you will be ready to start connection with women near you. Be sure to respond to messages from women you’re interested in and don’t leave them hanging too long or they’ll lose interest — the two day waiting rule is way outdated. Don’t get carried away writing longwinded messages, or it may put people off.

Stick with It

Phone Connection Love

If you’re feeling frustrated with the online dating process, try to stick with it for a while. If you give up after a month and haven’t found anyone, you may be closing yourself to future dating possibilities. New people join online dating services daily and at least half of them are ladies that you could meet.

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Just the Tips: Cheaper Car Insurance

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Car Insurance

Car insurance sucks! That monthly and/or annual payment really sucks but, having an accident without insurance is a whole other level of sucks. Insurance is the law and a necessary payment in many people’s life and for that reason let’s explore getting everything you need for less. All the tasty coverage with none of that inflated premium aftertaste.

1) Shop Around
Data show that many people simply renew their current policies without shopping around. The Internet makes it easy to compare prices from different companies, so why not take advantage of this? Plus, you’ll usually get a discount of 10% or more just for buying your policy through an advertised promotion.

Auto Insurance Policy2) Policy Type
Do you really need a comprehensive policy with all the extras? Going for a third-party Fire & Theft policy can reduce your premiums hugely and is definitely worth considering if your car is not an expensive model.

Insurance Claim3) No Claims Discounts
Nearly all policies feature a discount that increases for every year you do not make a claim. Also look at insurers offering a “no claims bonus for life” feature, where your current discount level can be fixed forever, even if you have to make a claim somewhere down the line.

Excess Car Insurance4) Increase Your Excess
The excess on a policy is the amount of a claim you have to pay before the insurer pays the rest. Choosing to have a higher than standard excess level will usually mean lower premiums.

Car Alarm5) Get a Security System
Fitting your vehicle with an alarm, immobilizer, or other security devices can lead to premium reductions. Parking your car off of the street, for example on a driveway or in a garage, will also mean a cheaper policy.

Payment Options6) Pay Annually
Many insurers charge you interest for the privilege of paying in monthly installments. Pay annually if you can afford it to avoid this or look for one of the companies who do not charge extra for monthly payment.Speedometer

 

7) Lower Your Mileage
The more mileage you run up every year, the more your insurance will cost. Even if you can’t reduce your mileage, make sure you’re not overestimating how much you actually do drive, and give your insurer an accurate figure.

Young Drivers8) Limit the Amount of Drivers
The more drivers you have on your policy, the more it will cost. Reduce the number of people insured to drive your car to the minimum possible and try to get the policy in the name of a driver with the lowest risk profile. For example, if a car is driven by both a man and a woman, insuring it in the woman’s name will often result in a cheaper quote.

Responsible Woman9) Low Risk Candidate
Insurance companies are interested in managing risk and they offer drivers who are less likely to get into wrecks a lower insurance quote. When negotiating your policy make sure to highlight all the reasons why you are a low risk candidate. Insurance companies like boring people, so this is not the time to talk about your crazy spring break in Cancun.

Safe Volvo10) Buy a Safe Vehicle
The National Highway Traffic Safety Administration (NHTSA) and The Insurance Institute for Highway Safety together collect information on safety related aspects of different vehicles. Buy an automobile that is officially designated as “safe” for lower insurance rates.

Credit Score11) A Good Credit Score
As a risk management entity, insurance companies are also worried about getting paid on time. If you can show yourself to be credit worthy, there is less risk of you not making your payments on time, thus warranting a lower rate.

financial Responsibility12) Practice Financial Wisdom
The way in which you structure and pay for your policy can lower the risk that an insurance company faces with respect to you as a customer. By taking steps to lower their risk, you receive a lower insurance quote and policy. Opt-in for automatic payment deductions from your bank account or your credit card to avoid getting charged for mail payments and ensure payments are on time.

It was not too long ago when contracts were made on a handshake and a promise and individuals were not particularly concerned with things like insurance because they relied upon the goodwill of their neighbor to compensate them for wrongful damage.

Buying auto insurance today requires as much dexterity as buying the automobile itself. It is important to know the factors that an auto insurance company considers when offering quotes. This will allow you, as the consumer, to know what steps you need to take in order to qualify for a lower quote. Please call us for more tips, help, and the lowest possible rates.

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America is Free, But Healthcare Isn’t

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Sick Woman in Hospital Bed

[vc_row][vc_column][vc_column_text]America is a free country, a wealthy country, a capitalistic country, a democratic country, American citizens have rights that citizens of many other countries have never known. Yet, despite all our wealth and all our rights, many Americans are sick, very sick. Chronic illnesses and disease are at epidemic levels and a lack of healthcare is a very real issue for most.

 

 

There are various reasons for not having health insurance, but the main reason from which all other reasons stem is money. Many people just do not have the money it takes to pay for a substantial health insurance policy. People can generally get a good deal on health insurance if they purchase it through their employers, but not everyone is employed or works for a company that offers health benefits, and individual health insurance policies are much more expensive than the group insurance policy rates employers offer.

Health care is expensive, and health insurance is supposed to help cut the cost of health care; however, while health insurance does help us pay for health care, is heath insurance itself too expensive? For many, the answer is yes. If you work for an employer who doesn’t offer health insurance, are self-employed, or just otherwise can’t afford health insurance, don’t give up, let’s look at some options that may be right for you.

Stethoscope Cut Out Family

There are a variety of options when choosing health insurance, however, the main purpose of health insurance is to provide the “insured” with financial coverage that will help pay for the cost of care during thee sickness. Health insurance may also cover things such as hospital beds, lab tests, medicine, surgeries, x-rays, and more. Health Insurance will pay the cost of medical expenses due to sickness, illnesses, accidents, and childbirth. Each health insurance policy is different, and it is recommended to determine what types of services will be covered when choosing and comparing health insurance plans. The most common type of Health Insurance is Private Sector Health Insurance. Health Insurance varies from life insurance in a few ways. First, health insurance is purchased annually, and there is no guarantee that premium costs will not rise with each renewal policy.

Before you can qualify for medical insurance, you will more than likely need to undergo a series of routine tests. These tests will screen out any underlying conditions that may require you to need more medical services. Based upon the results of the tests, you may or may not qualify for medical insurance.

Unfortunately, many today are facing life without any insurance at all. There are many plans available and many different service providers and brokers that offer a wide variety of health care coverage to qualified individuals. For those who cannot afford to pay the premium cost of health insurance, they may qualify to receive government insurance through their state. The two programs run by the United States government are Medicare and Medicaid. Some local counties may also offer free healthcare to uninsured people through programs that are either federally funded or working on grant monies.

Many people are discovering that they cannot afford the premium price of the healthcare plans that are offered by their place of employment. This does not mean that they have no options available. The first step in determining whether you can afford your company’s health care insurance is to speak with your Human Resource department and see if there is a plan that they offer that meets your needs. You also have the option of researching several insurance brokers and agents online. This is a great way to find a free quote and get in touch with different brokers easily. By simply filling out a small questionnaire over the Internet, you will then receive a return phone call by brokers or agents who are interested in signing you to a policy.

It is important that you choose your health insurance plan carefully. Your plan is a legal binding contract and you have many rights to medical services and covered costs once you enter into this agreement. You should know your rights and understand the terms of your policy plan. Since most people agree that quality health insurance is the most important benefit that companies offer their employees it is necessary that you take the time to read the literature that pertains to your policy plan.

To get started on finding health insurance options that may be right for you it is extremely important to speak with knowledgeable professionals. Do your research of course, but always take the time to speak with knowledgeable professionals, they are there to help you. Call the number below to connect with health insurance professionals in your area.

 

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