Must read given the state of today's economy. Incredibly thoughtful yet accesible piece of work that puts today's economic crisis in its historical and economic context from one of the World's leading economists.
Fixing Global Finance Book
How to Save Money on Electric Bills
With prices increasing everyday, people are looking for ways to save money on household expenses. One of the best ways to save money is on your monthly electric bill. Read on to discover 5 steps to save money on electric bills.
1. Make sure that your meter is reading accurately. Give your electric company a call and ask them to send someone out to do an evaluation on your meter. You'd be surprised how many mistakes are made by inaccurate meters.
2. Have an annual checkup on your furnace and air conditioner to improve efficiency. The small amount you spend could save you hundreds of dollars over the course of one year.
3. Install a clean air filter on a regular basis and replace or clean it monthly. Dirty filters cause the equipment to work harder and use up to 5% more energy. Also, set your thermostat up more in the summer and lower in the winter. Each degree you go up or down can make a significant difference in your bill. Do this gradually over time and you'll be surprised what a difference it will make.
4. Replace old light bulbs with energy efficient ones. Yes, they do cost more at first, but the extra savings will pay off in the long run.
5. Keep furniture and draperies away from air vents inside the house. Air should be allowed to flow freely throughout the home. Make sure that nothing is blocking its path. Also, be sure to weatherstrip doors and windows to prevent expensive air leaks.
Avoid wastefulness by turning off any appliances or electronic not in use. Lights, televisions, and video game systems use more electricity than most people think. By making a few simple changes in your lifestyle, you can see significant savings on your next electric bill.
Article Source: Save Money on Electric Bill
How to Measure Finance Strength of Online Banking Companies
A good and decent company abides by set objectives and fulfills these objectives to promote growth and progress. Measurable company KPI's should complement these objectives to maintain integrity while in the process of realizing the said objectives. The question of integrity will always be there since there is more than one way to achieve an objective. Unfortunately, some of the ways can be tagged as unethical to common business standards, thus, the issue with integrity. Methods, like how to measure finance, can be intervened. Results can be tampered just to show a solid intra-company economy, despite the fact that the company is suffering losses.
Now, why would a company do that? The answer is simple. A revealed weakened state does not attract investors at all. On the contrary, investors flee at the first sight of heavy loss. Putting it at a more understandable perspective: Would you pour precious water into a leaking container? If you are aware that the container has a leak and you deem your water precious, pouring it in would just mean you are wasting your water, and you are very well aware of the process. It makes sense when placed into this context. Or, does it? Either way, investors will never waste their money on something that could mean a sure loss on their part when it comes to ROI or returns on their investments.
The strength of online banking companies is evident at a distance. Even if you have not been to their webpages or have not read some of their company background, the people they have done business with can pretty much mirror what they really are. Satisfied customers are walking ads for these online banking companies. So, this is one way of measuring their finance strength, through people they have done business with.
Online finance companies, more or less, revolve around these two common objectives: customer acquisition and minimized interactions cost. For sure, both objectives are easy to understand. For customer acquisition, it simply means the accumulation of customers to do business with. As for minimized interactions cost, it means that the company will keep expense at a minimum for every interaction done between them and their customers. Since there is mention of KPIs indirectly affecting a company's ways in achieving company goals or objectives, it will be wise to determine specifically what these are.
Customer acquisition has a separate set of KPIs; these are account sign-up, addition of new accounts, application downloads (since the company is online), pre-approvals (for new accounts opened), and locating an agent. High marks on these measured KPIs ensure the accomplishment of the customer acquisition objective. The KPIs for the second objective, on the other hand, are as follows: average cost/interaction, self-service visits, response (email, calls, etc.), and web percentage of customer interactions.
Summing up, the two ways on how to measure finance strength of an online banking company are through the people the company has done business with and the strict compliance to the KPIs the company follows to achieve their objectives. Fulfilling these two and observing integrity every step of the way will not need a cover up of losses since a company will never experience loss after it accomplishes its objectives without cheating through them.
Article Source: How To Measure Finance
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How to Send Money Abroad From the UK
Remittance is the transfer of money from one point to another; a transaction usually made by foreign workers and immigrants to send money to their home country. Money remittances serve as one of the largest types of financial transactions in the world, with remittances to developing countries reaching £83.9 billion in 2005, and close to £125.6 billion in 2006. This figure is more than twice the amount of international aid.
Remittances are considered a lifeline for people in developing countries. With the relative strength of currencies from developed countries, the money sent regularly to homes could be much more compared to the average salary in developing countries.
The increasing role of remittances in families' incomes is starting to play a role in national development policies. Since one needs to open a bank account to receive remittances, governments can leverage remittances to promote economic development.
For example, the strength of the Philippine Peso and the Indian Rupee is based on the volume of foreign currency sent. The large amount of foreign currency that is transferred to these countries helps moderate local currencies. In South America, remittances account for almost 10% of the GDP in six Latin American and Caribbean countries.
An increase in money remittances is a symbol of a globalised economy, as more migrant workers from developing countries travel to the developed world to work in various jobs where domestic manpower is not available. Remittances are also valuable sources of domestic investment to aid economic goals.
Remittances can also be a crucial source for supplemental income during natural disasters and calamities. Money transfer services are also employed by non-government organizations and charitable institutions, so they can effectively mobilize their programs during a crisis.
Various remittance agents and money service providers facilitate money sent from one country to another. In India, cash2india.com or Xoom.com handles online-to-offline money remittance. With their online facility, you can transfer money from the UK to be picked up or delivered to the receiver in India. The global leader in money transfer services is W Union. With their long history in this industry, you can find a W Union branch almost anywhere on the globe.
Popular online facilities are also used for remittances. The easiest way to transfer money to india is Paypal, the largest and most widely used online money transfer in the world. A leading alternative to Paypal widely used in UK and the rest of Europe is Moneybookers. More and more international and local money transfer services facilitate remittances from UK to all parts of the world. The cost of money transfer varies depending on the type of service and the geographic cover of operations.
The top remittance countries in the world are mostly from Asia. In the period between 2006 and 2007, £13.5 billion worth of remittances were sent to India, followed by China with £11.3 billion. Third on the list is Mexico followed by France and the Philippines. Remittances will continue to come from UK, US, and the rest of the developed countries to these developing economies.
Article Source: Transfer Money from UK
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10 Simple Financial Advice Rules That Can .........
10 Simple Financial Advice Rules That Can Create Wealth
Money is what "makes the world go round." And one of the most difficult propositions in life is to manage money.
While some are born with great financial acumen others need to be methodical and follow sound advice.
Here are a few basic tips:
1. Inculcate frugality within you; desist temptation to spend now save later. Every dollar earned must be divided into four parts: one part to meet essential expenses; one part to be invested in short-term savings; one part for retirement savings; and one part for emergency expenses.
2. Create with expert advice an infallible financial plan. Plan your credit report, taxes, and expenses. Keep a watch and learn how to regulate yourself.
3. Avoid the debt trap set by credit card companies and the easy availability of loans. Only spend what you have in hand and not any monies in advance.
4. Learn the art of investment. The World Wide Web is a reliable resource for information, reviews, and guidelines on investments. If doubtful seek expert advice on investments; the ideal is to balance investments into sure-fire investments, medium risk investments, and high risk investments.
5. Make wise decisions when buying a home, office, and more. Avail a mortgage that works for you. Property can be a good investment when bought after deep thought and in allocation where the appreciation is high.
6. Teach every family member how to invest and the secret of handling money wisely. Even children need to learn from a young age.
7. Insure your interests. Take enough insurance but learn the art of saving on premiums, clubbing policies, and umbrella policies. Know how to save money every step.
8. Spend prudently. Plan your luxuries and eating out. Learn how to shop sensibly and not indulge.
9. Avoid lending money or borrowing money. Financial matters are best handled alone and not through family or friends.
10. Review your financial plan regularly and make the necessary adjustments. As a family grows needs change. Begin saving for college and education from the early years. Teach the children never to take you for granted. Discuss things with your family members.
Use expert advice when needed so that you are always protected financially. Read websites such as that hosted by the Federal Trade Commission to protect America's consumers: http://www.ftc.gov
The World Wide Web is a knowledge highway and brings financial advice to the finger tips. Keep abreast of money management, taxation, insurance, and property laws. Plan for retirement and be secure in the future.
Article Source: Financial Advisors
How to Save on Car ..........
How to Save on Car Fuel by Cutting Operating Costs
The annual operating costs of a car include fuel costs, tyres, replacement of parts, general maintenance and servicing costs, motor insurance and depreciation. Of these, fuel costs are the ones that are currently hurting car users the most because oil prices are at historical highs and are expected to stay around these levels. Now is the time for car owners to evaluate commuting habits and accordingly alter ones behaviour to offset the rising fuel costs. The following are some suggestions that can help car owners.
- Consider alternative fuel options to petrol: Diesel and CNG are options you can consider to cut down on your petrol bills. Both are cheaper, but CNG will also be more environmentally friendly. A CNG kit does not cost a lot and can be more fuel efficient in the longer run than a petrol or diesel car.
- Control your speed: As speed increases, the car’s engine works more and this results in more fuel being consumed. Drive at a constant speed, rather than frequent acceleration and braking.
- Idling: Idling and being stuck in traffic jams is not only frustrating but also wastes fuel. Consider starting your commute earlier than normal so you can avoid rush hour. You might get an uninterrupted ride to work, thus allowing you to save on fuel consumption. Alternatively, if you cannot avoid rush hour and jams, switch off your car’s engine if you know that you are going to be stationary for more than 2 minutes.
- Use the car AC judiciously: Using the car AC is a trade-off between higher fuel consumption due to more power being consumed, versus poor aerodynamics on the car due to high wind resistance if the car has its windows open. When weather permits, switch off the AC, especially while driving within the city limits. You can save minimum 10% on fuel. For long distance travel at constant speed around 60 km/hour switch on the A/C.
- Maintenance: Regular maintenance and servicing will keep your car in a healthy condition. Get your car tuned regularly. Check the engine oil periodically. Replace the air filters as needed. You will be surprised that your car become at least 10% more fuel efficient just through these good habits.
- Get rid of extra weight in the car: The heavier your car is with extra items like boxes or bags, sports equipment and other clutter in the boot, the more fuel that your car will consume. Get rid of the extra weight and improve fuel efficiency.
- Optimum air pressure: Check the tyre air pressure. Under inflated tyres will burn more fuel and give you an uncomfortable ride because they don’t drip the road as well. You can save up to 5% just through optimum tyre pressure.
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Online Shopping Tips
Be a safe shopper. Make sure the website you are buying from is secure. There are several easy ways to check if a website is truly secure. Look where the address is displayed, you should see https://. The "s" lets you know that the website is secure.
Look on the right side of the address bar if you see a closed padlock then the website is secure. Some websites display an authentic and secure logo on the bottom of the page.
Be an educated shopper. Know what you want to buy and the price you are willing to pay. Compare prices on the product you are looking for remembering to check the taxes and shipping fees. Product reviews are a great way to find out what you are getting into from people who have already made the same purchase.
Be an organized shopper. Be sure to save and/or print all receipts and confirmations you receive as well as all tracking information. Also remember to check the stores return and exchange policies.
Be a prepared shopper. Holidays are very busy for you and the stores you are buying from so be ready for delays. Buy your gifts ahead of time that way you won't be frantic as the holiday draws near and your package has not arrived. Find out if you can ship the item you purchase to a different address, most stores allow this and since shipping seems to take forever around the holidays this would really save you time and headaches. Also check to see if the store has gift wrapping, that is always a plus!
Be a happy shopper. Shopping is fun so enjoy it. Make a wish list for yourself while you're shopping for others and give your wish list to the ones you love. List your favorites at the top and work your way down, putting stars or smiley's next to your favorites also works well. Sometimes our loved ones need a little help.
Be a realistic shopper. Know how to get in touch with the store you purchase from should problems arise. If problems should arise, know who to contact if the store won't respond. A good place to keep in mind when you need help is the Better Business Bureau.
If a deal seems too good to be true, it probably is.
Be an economical shopper. A great way to save money is to use online deal and coupon websites. These websites offer coupon codes on products which you can use during the checkout process. Also check these deal websites to see if they have a free shipping code for the store you will be making your purchase from. Some deal websites even have printable coupons so you can take the coupon with you. Also check to make sure that the coupon code has not expired.
Article Source: online comparison shopping
How to Pay Down Student Loans
If you owe $60,000 in student loans, and begin your first payment 6 months after you graduate, you will have to make a payment of $500 per month, every month for ten years! Plus, don't forget to keep adding on the interest! If you are lucky enough to land a job that starts at $25,000 a year, you'll probably take home about two thirds of what you gross because of taxes and benefits. Then pay your $500 student loan payment, you will be able to take your remaining $875 a month or $219 a week to pay all your other bills!
It probably won't take you long to realize that your quality of life as a college grad has been reduced to where you were if you worked in fast food during high school! And we still haven't factored in all the interest!
The solution is simple, but may require a little "out of the box thinking". We have all been taught that most of us trade our time for money. We work for our bosses, performing a task they need done, and they provide us with money, for us to pay our debts and provide our needs.
More people today, than ever before, are learning the secrets of adding streams of residual income. The Internet has given us a tool, that used properly, can literally allow anyone to sit at home in his or her pajamas, and still make money online. Billions of dollars are being exchanged on the web each year. Fortunes are being made, but more importantly, so are residual cash systems that can solve the problems of everyday people. People who go to work or school each day, and try to live right and raise families.
Let me give you this thought. "There is a limit on the amount of time we have to make money - there is no limit on how much residual income you can make!"
Consider this as well. We all dream about becoming wildly wealthy, where we quit our jobs, travel the world, and buy everything we could never afford before. But you could still be pretty happy if you could set up little cash generating systems, that could make enough to pay specific bills every month, allowing you to purchase the items you want and get them when you want.
Becoming extremely rich is nice, but probably a lot harder than setting up a system to earn $125 a week to pay your student loan. How about $300 a month for a new car? Would an extra $400 per month ease your credit card payments?
Click the link below to learn more about some of the best ways on the internet to set up small cash generating systems, that once in place, can provide residual income to pay residual bills. As your wants and needs increase, a little additional effort can provide additional residual cash systems.
You have your whole life ahead of you. Start it off on the right foot, by paying down your student loans. A little effort now will help you live the life you deserve! Visit the website below and start your journey right. Start today and pay down your student loans! Click Below!
Article Source:Student Loans
How to Refinance Your Student Loans and Save a Bundle
Do you need to refinance your student loan? There are millions of former college students out there stuck with student loans that have annual percentage rates (APRs) that are just way too high. When we signed up for the loans, we just wanted to get into college and we weren't worried about paying them off. After all, we didn't have to pay them back until we were out of school and by then we would have a great job and be rolling in money. Well, now the time has come to pay the piper. The good news is that there are a few ways that you can ease the burden of your student loans.
APR Is The Key
What you want when you go about refinancing a student loan is a lower APR, or annual percentage rate. Your APR is essentially what it costs you to get credit from a lender. Your APR is a percentage of your loan and the amount of money it represents diminishes as your total loan amount diminishes when you make payments. Lenders profit by charging APRs for their loans.
Fees For Refinancing?
Another vital thing you have to think about when you go to refinance your loan is the actual cost of refinancing. While there are some lenders that won't charge you an upfront fee, there are some that will. Avoid lenders that want to charge you an upfront fee that will end up costing you more on a monthly basis, as that totally defeats the purpose of refinancing in the first place. If a lender wants to charge you a small upfront fee that saves you money via lower monthly payments, you can consider it but just know that those fees will cost you more in the long term.
Will The Bank Help?
The first place you should look to refinance your student loan is your bank. The bank in which you do your personal banking is a great place to begin because you already have a financial relationship with that institution and they know you. Your bank has records of all the business you've done with them and has a good picture of your financial situation. Your bank check your credit report just like any other lender, but banks often enjoy having customers participating in several of their "products," as it gives them stronger bonds with individuals that are less likely to default on their loans because of their strong relationship with their bank.
Conclusion
There are certainly other ways in which you can refinance your student loan, but you must always be suspicious of some lenders, especially those that you have never heard of. Some of these lenders often will write loans with excessive jargon that ends up putting the borrower in a really bad situation. If you decide to try one of these lenders, make sure you go over all the fine print and thoroughly examine everything loan before you sign on the dotted line. You may even want to have an accountant or financial advisor look over it for you. You can save a lot of money if you refinance a student loan, but you have to make sure you get the right loan.
Article Source:refinance student loan
How to Repay Student Loans - Simple Planning That Will Save Your Cash
Do you find yourself wondering how you're going to repay your student loans? These days, you simply must have a college education to get a good job and for most that means you're going to have student loans. These various loans can often get unmanageable when you get behind on payments and entirely lose control of the situation. Fortunately, there are a couple of options out there that can help you out.
Refinancing?
First, there is refinancing. Refinancing saves you money because you transfer your loan to another lender that will give you a lower APR (annual percentage rate). Your APR is the total cost of the credit the lender is giving you. It is a percentage of your total loan and the amount of money it represents decreases as your loan amount decreases when you make payments on it. Before you jump in, however, you should consider the cost of refinancing. While there are some lenders that won't charge you a fee up front, there are some that will. Don't use a lender that will charge you a fee that will end up costing you more on a monthly basis, for obvious reasons.
Should You Use Your Bank?
The place in which you do your personal banking is a great place to start when you want to refinance because you already have a relationship with them and they know you financially. They have records of all the business you've done with them in the past and have a fairly good idea of what you are about. Banks enjoy having customers attached to several of their "products," as it gives them longer-lasting bonds with these individuals; individuals that are less likely to default on loans with a bank with which they have had a long-lasting relationship.
Consolidation?
Another great option is consolidation. Consolidation simply means that all of your student loans are "bought out" by a lender (possibly even the lender that holds your current loans) and lumped together into one loan. You are then able to pay on all your loans in one monthly payment, rather than several smaller payments. You save money in the short term because you are making lower monthly payments, but over a longer period of time.
Word Of Warning
One factor you have to think about is that consolidation will cost more money in the long run. While you do save money immediately, the accumulated interest will ultimately cost you more on the back end of the loan. The smaller payments help you deal in the short term but interest will continue building on your loan. What this means is that you are only going to be paying a little bit at a time on the principal, i.e. the full amount of your loan, not counting interest or other fees. Most of your monthly payment will be applied to the interest on your loan, which means that it will take you longer to pay it off.
Conclusion
If you are a college graduate struggling with several student loans, you do have options. Don't turn to bankruptcy just yet; first consider refinancing and consolidation. Both of these options make it a lot easier to repay student loans.
Article Source: repay student loans
What PayPal Doesn't Want You to Know About Their Protection Program
Online shopping has never been so popular. These days, more and more people are using online marketplaces such as eBay to shop for their needs. Buying online is not only convenient, but it empowers buyers. They can use comparison engines such as Froogle and PriceGrabber to get the best prices and save money in the process. And best of all, you don't have to physically present in a store to be able to buy things.
PayPal has been around for such a long time, and it makes it so easy to pay for things online. Anyone who has used eBay in the past few years has probably used PayPal to pay for items on eBay. PayPal is so popular that more online stores are adding PayPal as a payment option. After all, not only it's convenient, but also it's a very secure option for both sellers and buyers. Or is it?
PayPal promises a lot to both sellers and buyers. Most people use PayPal as they find it to be secure and easy-to-use. However, hackers have managed to access numerous PayPal accounts in the past, and that problem is only getting worse. Hackers access people's accounts by sending them fraudulent e-mails to gain access to their account information. Unfortunately, there is so much PayPal can do to avoid this issue. So it is essential for the consumers to go to PayPal by clicking on any email link.
PayPal offers protection to both buyers and sellers against fraudulent activity. PayPal's seller protection program protects sellers against unjustified chargebacks and reversals. But the protection is not foolproof, as sellers are not protected against "Significantly Not As Described" claims.
Buyers are also not fully protected by PayPal's buyers protection program. While you can dispute transactions that you have done via PayPal, it does not protect you against items that you have bought on other marketplaces than eBay. In addition, the complaint process is very time-consuming, and there are many loopholes that PayPal can use to reject you complaint. Worst of all, PayPal does not cover non-physical products. That means if you purchase a website on a marketplace such as SitePoint, PayPal will not protect your purchase against fraud.
In most cases, it is better to only add credit card accounts with $0 fraud liability to your PayPal account. That way you can dispute your transactions with your credit card company regardless of PayPal's decision. PayPal is a wonderful service that helps millions of shoppers has a rich online shopping experience on a daily basis. However, the protection provided to buyers is not nearly enough. By using a PayPal credit card account that protects you against fraud, you can shop online more freely, knowing that your transaction is protected regardless of the loopholes available in PayPal's protection program.
Article Source: credit tricks
How Do You Remove Charge Offs From a Credit Report?
1. Actively seek to repair your own credit.
Credit repair will not just come to you one day. If you do not seek to repair your own credit charge offs will stay on your credit report by law for 7 years. If you pay a charge off it will still remain on your credit report. However, once a charge off has been paid it is much easier to have it removed from your credit than an unpaid charge off. The easiest way to have a paid charge off removed is to dispute it.
2. Dispute charge offs. (And all negative items on your credit report for that matter)
It is your right as a consumer to dispute any negative items on your credit report. According to the Fair Credit Reporting Act you can dispute charge offs, Article Source:repossessions, foreclosures, collection accounts, bankruptcies, tax liens, judgments, etc. The point is anything on your credit report can be disputed, so dispute your charge off.
3. How to dispute negative items on your credit report:
Contact the credit bureaus. The best and most effective way to do this is to write to them and clearly state your intentions in your letter. Make sure all credit reporting agencies who report the negative items on your credit get the same letter. If at all possible include the credit report with the item circled so there will be no confusion.
4. Conducting the investigation.
The best part about this step is that you do nothing but wait. Once you dispute the charge off the credit bureaus then have 30 days to investigate the charge. They contact the original creditor by sending out an electronic notice asking them to agree or disagree with the dispute. They do not check out the information with the courthouse that they are supposed to they merely run the document against a public record database. If the dispute is not validated within the 30 day time frame it must be removed from your credit.
5. Follow up with the credit bureaus.
It is important that you do your own follow up. Many times credit bureaus will not just remove items from your credit you have to make sure to follow through with phone calls. But it will be worth it in the long run. You will begin to see a rise in your credit score in no time.
Article Source:
Lexington Law
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Choosing LCD TVs - 7 Easy to Follow Steps
LCD Display has many tiny cells which are called pixels. It also has fluorescent back light. This produces light to a mirror and then projects it to the screen. The excellence and sharpness of the figure that you receive also depend on the pixel. In recent times, due to the hi-tech era, images are now as true as it is because of the capability of matching precise color tones.
Some of the popular models are: Samsung LN46A650, which is 46-inch, has 1080p and 120hz. Samsung LN40A650 which is 40-Inch, has 1080p and 120Hz. Samsung LN52A650 which is 52-Inch, has 1080p and 120Hz. Philips which is 37'' Widescreen. All are LCD HDTV.
Comparing shops than comparing brands is more useful if you are going to buy a flat screen TV. You should also test out sites such as Target and Best Buy for great buys. Circuit City and Wal-Mart are also good sites for it. There are tons of good deals there. Things that are for extravagance before have turned into items of consumption because of the continuous development in technology. Manufacturers are now having a regular price war which gives them a smaller profit margin.
Few years ago, people think that LCD TVs would just be feasible in tinier sizes. Now that we have known about Samsung, Westinghouse Digital, and also Sharp and LG Philips, it is now safe to say that all those past notions are not true.
If you can not still decide which LCD TV you are going to buy, here are some tips that will surely help on making your decision.
You should first consider your money. Do a budget for buying your LCD TV.
Second, choose the size of the TV you will buy. It should always fit with the size of your room. 27' is the typical panel size but it still depends on your definite needs.
Third, think of the features you are looking for in a TV. Various LCD sets appear in the company of memory card slots. Camcorders are also part of LCD sets sometimes.
Fourth, consider where you like speakers to be at. Do you want it to be on either sides of the panel or you just want it at the bottom?
Fifth, make sure viewing angles will fit to the arrangements of seating in your room.
Sixth, ask yourself, "What quality of picture do I want?" For instance, if you are fond of bigger screens compared to 30", 1366 X 768 resolution will be suggested.
Finally, be friendly to other experienced customers of a store. Ask them about the TV you desire to buy because their answers would really be a big help. The store staffs' recommendations will also be credible because they know much about this thing.
Article Source: Jonathan C. Mulder
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How to Buy a Mattress Without Losing Sleep - Three Important Tests to Consider
Are you confused over which mattress to buy? Do you know a good mattress can last us at least a good ten years? The fact is, it is very bulky, heavy and tiring to change a mattress that people will not want to bother with it unless they have to. So it makes sense to do your research and make sure you buy the right mattress that fits you and your other half for peace of mind and not losing sleep over it. Thus, you may want to take note of the follow tips when you are purchasing a new mattress.
Sleep Test
Make your way to the retail store. Find the mattress that you like and then lay on top of it. How did it feel? This is one of the most important tip you should remember. Don't worry about what other customers or the store person think. They may find you weird but if you have shopped around enough, you will realize that everybody's doing it. That in essence, is the real secrets of shopping for a mattress.
Money Test
With all the credit crunch and gloomy economy hovering around the economy nowadays, it's important you conduct your own "money test". The advice here is to buy a mattress that is of good quality, comfortable and at a price you find reasonable. Remember, pay for value as you will sleep for it for a long time and don't be tempted by cheap poor quality mattresses. Check if the store accepts cash, check or installment payments - whichever your preferred mode of payment is. Find out if there is a zero interest payment if you intend to go by monthly payments.
Size Test
Does size matters? If you have enough space and budget, the king size is the most ideal choice, followed by the queen size. Buying a smaller mattress is often a mistake made by most mattress shoppers. This is especially when nowadays with better food and lesser exercise, we are all growing in size!
Article Source:Timonty Raguz
Tips For Buying an Ideal Bicycle
A ride on a bicycle tends to take one to flashback memory when as youngsters bicycle ride to schools with friends was an enjoyable affair. Thanks to the rising petrol price, today people opt for bicycle rides more often.
Another reason for popularity of bicycle is unlike bikes and four-wheelers, it does not pollute the environment. It requires nearly zero maintenance. Bicycle rides are considered to be a very form of exercise to burn out the extra calorie. Sport events like Tour de France inspires people for bicycle ride. If you are a bike enthusiastic looking out to buy a new bike for serious training or a casual rider who wants to have a bike for lazy Sunday family ride, this article justifies your need.
Bicycles are of various types. Thought eh basic structure remains same, the machinery as well as pick up power will be different depending upon the long and short distance riding. For example, the pick up power of street riding bicycles are different from that of race riding bikes. The trekking or expedition bikes come with stronger structure. Now even hybrid bicycles are available in foldable manner for easy transportation in a narrow area.
Similarly another category of bicycles are all terrain bicycles which are suitable for every occasion. Bicycles are manufactured specific to gender because traditionally, women are short and tend to have a shorter reach. Hence the top tubes are slanted to make it easier to dismount even in a skirt. The suspension may be specially adjusted with more expensive bikes.
Before buying you should decide which type of bicycle suits your need. One of the most important things to consider while buying a bicycle is to check if the bicycle fits as per your height or not lest the whole money invested on a new bike will be a total waste. It would be better if you go for a test ride to check if you are comfortable with the size of the bicycle. Do not worry; even if you are considerably shorter in height, there is bike for every size. You just need to choose one as per your height. Make sure to choose the saddle according to your pelvis shape. You can go for changing the saddle, if the one in bike does not fit you.
Gears are important component of bicycles. So double check the gear to ensure that it runs properly . Brakes and wheel come next in the consideration while buying a new bicycle. Never go in for cheap bargain. An expert and CyTech qualified sales man can guide you better while buying a new bicycle. These days, so many online shops sell bicycles and that too on attractive price.
However, it is not advisable to go in for online buying which are never seen or never tried for who knows they might be second hand or have faulty body parts. While buying a new bicycle, it is always a good idea to buy other safety accessories such as helmet, knee-pads, gloves which are a must while riding a bicycle.
People take it for granted that bicycle riding is a safer option as compared to electronic bikes. However, a considerable number of people die every year in road accident because of careless riding of bicycle. So always abide by the traffic rule. The city roads are not meant for bicycle racing. So avoid riding through red light when there is cross traffic.
If you are riding at night, a front headlight is mandatory for your bicycle. Use loud horn so that you can signal other vehicles while overtaking them. Always drive to the farthest left side, so that you can avoid the chance of being hit by a lorry or speeding cars. If you take care of these certain things, your can enjoy a safe bicycle riding!
Article Source: Roberto Sedycias
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Tips on Shopping For Travel Bags
Keeping an open mind is the first thing to do when you shop for traveling bags. If you want to save you can search for traveling bag promo codes. Well, think over with the style and the weight of the traveling bags. It is best to have durable bags that can withstood the test of times. See to it that the bag is made of durable fibers that can hold your belongings from tossing and handling of your luggage. To add more, look on those pockets, handles, and brands in choosing your traveling bag. Make sure that the handles and shoulder straps are attached with multiple rivets for strength. The handles and shoulder straps, which are attached with rings should have solid metal rings as the split rings can separate. Better to look every nook and crane so that you won't regret buying the stuff.
Consider also that the bags you like are something that should be able to comfortably hold your belongings and simultaneously also make your travel more enjoyable by taking the weight strain off of your back and shoulders. Don't forget to check those zippers and locks. The best brand to choose as a prospect is the Samsonite Travel bags. If you are interested on these kind of Samsonite bags in town you can purchased them with discounts and freebies. So just try the Samsonite Promo Codes for a low spending overhead on buying a traveling bag.
A traveling bag such as the Samsonite Brand is a much sought after and guess what you have to put in your mind that the vertical travel bags a locking handle system is provided because it is important as it prevents the handle from damage if you decide to check it. Assess the wheels if your bag. Roll it and check the screws, nuts, and bolts. Prefer those larger rubberized wheels with ball bearings for longevity.
Take note that the hard sided outer shell cases of the travel bags usually help to protect contents but are also heavy and clunky. Soft-sided cases on the other hand are great carry-ons but they wont be very reliable in case you're carrying fragile objects. The semi-soft sided cases are perhaps the ideal buy as they combine the benefits of both the hard and soft styles.
The nylon made bags are especially the soft and semi-soft ones. Bear in mind that the higher density of the bags, the thicker the fiber. Therefore make sure that you look for a tight dense weave. Polyester made bags are good too but make them a second choice. Ok?
Therefore finding the right combination of travel bags will definitely adds security and simplify your traveling experience. For more affordable Samsonite bags or any other stuffs please orient yourself on Promo Codes. Click the links for more details.
Article Source:David Stack
Let's face it we are all guilty of wanting something for nothing. We all want to buy things at the lowest price possible so how can we do that? well f
Let's face it we are all guilty of wanting something for nothing. We all want to buy things at the lowest price possible so how can we do that? well for starters you should look at items on clearance towards the end of the month, the reason being most retail stores have a tiered clearance system, where the price continues to fall as the month progresses.
If you're a day early or a day after the date of an advertised sale, you still have a good chance of getting that discounted price. Most stores have an unpublished policy that allows customers to still receive the discounted price of the item, you just have to ask them.
Beware of buy on get one free offers or buy on get another half off because they usually favor the retailers not the customer. The way retailers fool you is they up the price of the item to be more than what you would pay on one of their normal sales. So for example lets say there is a buy one get one half of sale for a pair of jeans with the first pair costing $20 and the second at $10 giving you a 25 % savings. But normally these jeans have sales where they are 30 % off a piece, so if you buy two pairs of jeans during this sale it would cost you $28 instead of $30 using the BOGO sale. If the jeans went for 40 % off you would pay $24. Remember the retailers are always looking in their best interests.
Ask about a shopping day savings pass. Several retailers have a shopping pass that can get you 10-20% off of every purchase made throughout the day, and are available at the customer service desks all you have to do is ask. Macy's is among on of the retailers that has these offers.
Everyone knows about getting a discount if the merchandise has damage, but many don't know you can get a discount even if just the packaging is damaged from 10-20%. This is a win win situation for the customer and the retailer so there are not any catches to this one.
Well that's all I have, give it a try and see how much you end up saving it can add up quick if you shop all the time.
Article Source:bestconsumerinfo
How to Apply For a Credit Card Online
If you are looking for the best way to apply for credit cards online, you can go to a website that offers you a way to view all of the different credit cards at one time. This gives you a chance to compare credit card rates and terms and select the one card offer that seems best to you.
Online credit card application is also available, and this offers you one of the fastest ways to complete and submit your information. The site is secure and hacker proof. This assures that all of the personal information that you send will remain private. With things like identity theft becoming more of a problem every day, it is imperative that consumers can transmit identification data through a protected and secure avenue. You can receive an approval notification in a few seconds and choose to accept the card offer immediately. If you do this, you can have your new credit card in a few days.
The credit cards online are the same ones that all of the banks and other lenders use, and the time that it takes to apply is faster in many cases when you go online to apply for yourself. You can't beat the convenience that an online credit card application gives you. Users will be able to find cards quickly that cater to certain demographic groups, and these usually have special rates and offers. A college student can apply for a student credit card which can be used to help with the many college expenses that they will incur. These usually have some low interest rates, and can be used to help build a valuable credit history and get them started on the right financial path. Some of these student cards also have special offers when used for school related purchases and expenses.
For more info on how to apply for credit cards online, visit creditcardhelp.com.au which provides you with an unbiased comparison on many different card offers.
Article Source:EzineArticles.com
Can Do-It-Yourself Credit Repair Work For You?
A good credit rating is one of the most important factors in leading a sound economic life in today's society. Most people don't know how many things depend on a good credit rating. Things that we take for granted every day wouldn't be possible without a good credit rating.
Every time you miss a payment, it is reported, and goes on your credit report. If this happens too often, you will need to get your credit repaired, because you will nearly always be turned down for loans and credit cards.
Many companies offer credit repair services, they are all over the internet and classified ad pages. Nearly all claim to be able to fix your rating quickly for money. However, you should be skeptical of these companies, as nearly all are scams, and you can fix your credit rating by yourself.
You can do anything that a credit repair company could do for you: and for less money. Whatever they clam, credit repair companies cannot erase your credit report. Instead they will tell you to go to the credit bureau to challenge any negative items on your report.
Sometimes credit repair companies will even do things that could be deemed illegal. They will probably tell you to start a brand new credit card report, complete with different banking and address details.This is both illegal and ineffective.
It is so much more effective to repair your credit report yourself. If you go online, you can find lots of sites that offer steps on how to do this. The best thing to do would be to look at advice from a trusted organization.
First what you should do is get your credit report from the bureau. Once you have the report you should challenge anything on there that is incorrect (in a letter). Make sure you only challenge things that are actually incorrect. If your report is mistake free however, you will have to repair your rating the old fashioned way.
The best thing to do is get a secure credit card and use it on a regular basis. By doing this you will slowly start to repair your rating. If you only make purchases you can afford, you will be able to pay your creditors on time. This way, you will be able to prove to them that you are reliable enough for credit. Although this is a slow process, it is the only one that truly works effectively. This manner of DIY is much more successful in repairing your credit report than most methods offered by credit repair companies today.
Article Source:Credit-Repair-Review.com
How Can You Obtain Credit During the Credit Crisis in America Today?
The credit crisis has left millions of consumers with lots of questions regarding where they stand in the credit lending arena. Easy credit and nothing down mortgages are a thing of the past. One of the most important things you can do to ensure that you can qualify for a loan when you need to is to shoot for the magic number.
What is the magic number?
Your credit score can range from 300 to 850. Lenders will usually consider you for a home loan or car loan with a credit score of 525 and up. However, due to the recent credit crunch and the huge losses from the sub prime market lenders have tightened their belts and obtaining credit has become harder than ever before.
The ideal credit score is considered 720 and above. This score pretty much opens any and all doors for you when it comes to getting approved for credit. Keep in mind that just because you have a 720 credit score does not mean you may qualify for any type of home loan or any amount. There are other factors to consider when it comes to qualifying for a home loan such as debt to income ratio.
If you don't have a 720 score, then the first step is to shoot for a 660. The 660 score range means you can qualify for most major credit cards. When applying for a home loan lenders pull a tri merge credit report and consider the middle score when it comes to lending approval. For example, your Equifax score is 670, Transunion 640, Experian 610 then the middle score considered for lending qualification would be 640.
One of the sure fire ways to increase your credit scores is to make sure your true credit limits are being correctly reported. Credit limits showing on your personal credit profile have an important impact on your credit score because it reflects your true debt to credit limit ratios.
After numerous consumer complaints nationally one of the largest creditors in the country finally decided to report the credit limits of its customers. Have any idea who the company is? It's Capital One, and because of this change many consumers credit scores increased.
Unfortunately, some creditors have not adopted this and as a result millions of consumers are left out of the dark when it comes to ensuring their true credit limits are being accurately reported on their credit reports. This of course impacts the credit score and impacts what type of interest rate or loans a consumer qualifies for.
American Express and HELOCS (Home Equity Lines of Credit) are known for not reporting the accurate credit limits of an account. For example, the American Express green card does not have an actual credit limit so the limit reported on the credit report of a consumer is actually the maximum amount that you have ever spent on that card. So if all you have ever charged on your AMEX was $3,000, and you paid it in full when the statement came and then you spend another $3k the following month, the $3,000 limit reported would show that you are using your card at 100% of your credit limit.
How do you leverage the true credit limit reporting to your advantage?
You basically have the power to set your own credit limit with AMEX on your credit reports. The question is what's the percentage you want to shoot for on your debt to credit limit ratio with AMEX?
No more than 30%! So, if you know that you regularly charge let's say $3,000 per month on your AMEX then you want to make sure that the true credit limit reporting for your AMEX account on your credit reports is $10,000 or more. Why? Because if your limit reporting is $10,000 for AMEX and your charging $3k monthly then you are right at 30%, therefore your score will boost tremendously!
How do you set your own credit limit?
To increase and leverage that AMEX credit limit higher on your credit report, you should use your AMEX card and spend over $10,000 such as travelers checks or something like a TV then pay it off when the statement comes. Go back to spending $3,000 again like normal. Your AMEX credit reporting limit would then increase to $10,000 as your limit and your regular spending habit of $3,000 would be below 30%.
You will need to reset your limit again in about 7-8 months so keep that in mind. This strategy alone can boost your credit scores 25 or more points!
Marco Carbajo is the owner of UCan2, Inc., a national marketing company specializing in credit repair and FICO enhancement. He is author of many credit and FICO related articles. If you are looking for help to repair your credit or increase your FICO Scores visit us at
Article Source:Marco Carbajo
Tips to Be Able to Improve Your Credit
Did you know that 60% of your credit rating is based on the activity within the last 24 months? You may be lamenting over those old collection accounts or an old bankruptcy filing, but if you have since gotten back on track, or plan to get back on track, then there is a silver lining for you. Borrowers can eradicate bad credit scores by establishing a short and long term financial plan aimed at mitigating bad debt and maximizing good debt.
Improving credit scores involves avoiding many things. In the order of importance, they are late payments, high credit card balances, closing credit card accounts and having too many in-store charge cards. Late payments carry 35% of the weight in terms of your credit score, so do not take them lightly, even if it's just a store charge card, a cell phone bill or a rent payment.
Your credit score can drop by as little as 20 points or more than 100 points, depending on how often you are late and how many accounts you're late on, as well as whether you are 30, 60, 90, or more than 120 days late. Secondly, your credit usage should be no more than 40% of what is offered to you.
If your credit line is $1,000, then you should owe no more than $400, and that goes for all lines of credit you have open. If you have any maxed out cards, then pay them down until you hit the 40% mark! Some people think they should close out their accounts to "do the right thing" or "prevent overspending," although this will decrease your overall credit offering and will reflect negatively on you.
Instead, work on paying those balances down and once you're finished, aim to purchase one thing a year on those cards to keep them active, and pay them off right away. Lastly, opening and closing store charge cards just to get that 10-15% initial discount is a signal of irresponsible credit behavior and will not result in high scores for your credit.
There are also many things you can do to fix a poor credit rating. To get back on track, the first real step is, of course, paying down your debts. You'll need money to get there, though, so you might have to pick up a second job, find a new job, work more hours or borrow a safety cushion from friends or family. You can't dig out unless you have the funds to do so.
Secondly, look at your monthly budget and figure out how much you're willing to spend on all of your debts each month, allowing yourself an emergency fund cushion if you can. Then list your debts from lowest balance to highest balance, or lowest interest to highest interest, and begin by paying all minimum payments, with every extra penny going toward the highest rate balance. Once that one's paid off, go to the next balance. The sooner your debts are paid off, the sooner you can begin thinking about how to improve credit scores.
To get a better credit rating, you may want to call in and ask that new, updated information be added. Lenders like to see that you have steady employment, so including your current employer could be an asset. You can also include your date of birth, checking account and current residence.
If your credit report is missing accounts you regularly pay on time, then you can send the credit bureaus recent statements and payment history records to prove you're re-establishing your credit score. You can also use a Chevron credit card to buy gas each month and pay it off in full right away.
Mike Selvon's portal will expand your knowledge on the credit rating. Visit us and leave a comment at our credit score factors blog where a free gift awaits you.
Article Source: Mike Selvon
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