need a loan Repair Your Relationship With Love Pheromones

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By Sebastian Thomas

Have you ever wondered if your relationship has slipped and that sex has decreased over the course of your relationship? This is a common thing that most couples have to deal with. As boredom and the common rituals of daily life set it, there seems no time for a great intimate encounter with your loved one any more.

Don't let the causes of a bad relationship or marriage put a halt on your life and not allow you to move on with your partner. Allow yourself the use of love pheromones to spark back the incredible feeling that you once had in the beginning of your relationship or marriage.

To recog! nize that your relationship is in trouble is a sure sign that you can obviously to do something to fix it and pheromones have been proven to inhibit qualities that are expressed from people that wear them. These qualities include the increase of sexual desire and passion. As well has making your relationship closer and deeper than it currently is.

The use of pheromones to increase sexual desire, passion and the arousal of your partner will prove to be most beneficial to you both in the long run. The love, affection and companionship will increase to levels that you haven't even seen in your current relationship. Trust me, I have been there.

You haven't experienced the intensity of an ultimate intimate encounter until you have tried love pheromones. These wondrous pheromones come in scented and unscented and let me tell you that they truly work!.

Many times, we come to a point in life that we just give up on our relationships or marriag! e. We then decide that there is nothing that we can do to reki! ndle tha t once passionate love that was received by our partners. But, I tell you that this does not have to be the case at all. The use of fragrance or unscented pheromones have been proven to repair and enhance the quality of relationships that are out there right now. So go for it!

About the Author:

To learn more about puchasing "Love Pheromones" to fix your relationship, visit: Pheromones to Attract A Lover!

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By Shawn Doyle

Let me tell you a story about Kevin Brown. The first time I walked into the meeting room, at a hotel in Philadelphia, Kevin Brown was setting up tables for my meeting. He came over with a big smile and said, " I am Kevin Brown, and I would like to welcome you to our home- I want to make sure you feel at home when you are here, and if you need anything give me a call. I am employee of the year and I will exceed your expectations, because when you care, it shows." You see Kevin is the definition of passion. How do we define passion? The dictionary defines it as: "Pervading spirit, ruling passion, master passion, fullness of heart, flow o! f soul." I mean who wouldnt want that? Is it impoatant to feel passion both personally and professionally ? Of course. If you are passionate you are motivated. I am sure when you met someone who was passionate and enthusiastic it made an amazing impression. I have never had a meeting in Philly at some other hotel. Why? Because of Kevin. I ask for Kevin when I call and if he isnt going to be there we change the date. The asset he is to an employer is great. Can you say that about you?

Consider this idea. At times you have experienced the impact of someone who was bubbly, energetic and passionate in a public place and you were delighted and amazed. Didnt it make quite the impression? Sure. When you dealt with soemone who was evil mean and nasty it had the opposite impact.

There are many advantages to having a passion for what you do: 1) Success will be much more likely 2) You will be more productive because you will want to do the work 3) You can hav! e a big impact on other people 4) Lets face it; you will have ! a lot mo re fun 5) Lastly you will be motivated and engaged.

As I discuss passion here you may be saying to yourself: "O.K. look buddy that really isnt like me at all." or " I am just not filled with that kooky kind of passion stuff." You may also be saying, "This guy here, I know the type, he has put on one too many motivational seminars." Think about this; people who have passion have energy, charisma, and they are so magnetic that people are attracted to them. They have a "special" quality about them. They love what they do so much they would almost do it for free.

If I may, I would like permission to be very blunt with you (picture me close up to your face): you haven't found what you are passionate about. If you are not passionate about your work and your life, then change it! Stop complaining and do something. Life is too short to keep doing what is passionless and mundane! But you must make that decision.

Do you want to get more done than! anyone and be like the energizer bunny? If you feel positive, proud, energized, upbeat, passionate, in everthing you do- you will be motivated, and will get more done. See most people arent that way. I got on an elevator one day and say "hello everybody!" Boy the looks I got. "How dare this crazy person speak on an elevator in a positive and energetic tone? Hmmm. Hello world wake up to the possibility of passion.

About the Author:

One of the most well liked coaches on motivation Shawn Doyle is a Motivational Speaker He is the author of 10 books. For a free copy of Shawn's fantastic book The 10 Foundations of Motivation, go to http://sldoyle.com.

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apply for credit card Three Ways To Improve Your Memory

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By Ian Yang

Many people will experience memory loss in their life. It is often a very frustrating experience and often a very discouraging occurrence. Luckily, a good mental workout each day is all it could take to improve your brains mental ability. Here are three surprisingly fun ways to keep your mind in shape.

Perhaps one of the more well known games that can both help improve your ! memory and prevent you from losing it in the first place is crossword puzzles. Perhaps the most famous crossword puzzle is that found in the New York Times newspaper each day. If you are not familiar with crossword puzzles and then stay away from the one in the New York Times. It's notoriously difficult. Go to your local bookstore and pick up a beginner or intermediate book of crossword puzzles. Completing just one of these each day is all it takes to give your mind a daily workout it needs.

Another effective strategy to improve your memory is learning a new language. Learning a new language really gives the brain a total workout. It is not important which language you learn. The key is to choose a language that you are interested in. You want to make sure that you will be able to maintain interest over the long term. Do not think that you have to actually develop the ability to speak fluently in the language, although that would be an added bonus. The result i! s not as important as the daily process of studying. Of course! , you wa nt to make enough progress so that you remain interested.

One of my favorite ways of giving my brain a challenging workout is a game of sudoku. Sudoku is a numbers game played on a grid. Sudoku puzzles come in beginner, intermediate, and advanced difficulty levels. Many people claim that sudoku is highly addictive. If you get bored of doing crossword puzzles or learning a new language, then start completing a sudoku puzzle everyday. Your brain will not know what hit it.

Now that you get the idea of what it takes to improve your memory and keep your brain in shape then you can start looking around for other kinds of puzzles that interest you. Another good one is jigsaw puzzles. And, there are dozens and dozens of other puzzles debt will be just as effective. Go to the bookstore and skim through a puzzle book. Since any puzzle will do, all you need to do is pick one you like.

About the Author:

Exploit this persuasive strategy to get your ex back.

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plus loan Some Facts About The Cosmic order Service

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By Jamie-Lee Day

The popularity of the Cosmic Order Service has reached new unprecedented heights in the recent years. However, it really comes as no surprise considering the number of celebrities who have ! publicly endorsed it and attributed their success to the cosmic order service. So, that makes the common man wonder, how does the cosmic order service work? What makes cosmic order work for some folks and not others?

If you want to understand the Cosmic order service, then you need to understand the mind. The human mind is one of the most intriguing things of the world. Your mind connects you to the Universe and everything within it. However, most people mistake the brain as a computer, wired to obey their commands. Brain is much more than that. You can manifest and have all that you have ever wanted. The one condition that needs to be fulfilled is that you have faith.

Recent studies have shown that the tiniest bits of matter known as quarks move about and when they jump levels, quantum leaps, they have the capacity to actually change the matter's make up. What makes them jump levels? The answer is; Energy. It is what the mind creates continuously.! It makes sense that if you direct the energy to what you desi! re, you create your own reality.

Most people have no idea how they can bring about a dramatic positive change in the pattern of their life. They look around and see and hear destructively. They ponder on lack rather than abundance. They envy other's happiness and success and are sure that they can never be as happy as them. With just the correct change in your thought pattern, you can turn everything around in your life towards a positive direction, but it may not be as simple as it sounds.

Spending years in negative, poverty thinking, has been the reality of many people's life. This kind of thinking becomes a habit and they feel that there isn't enough good in the universe to provide for everyone's needs. They place the blame on luck and past karmas. These people feel that they are receiving what they deserve, but they forget a vital point; you deserve for you believe you deserve. If you are also the kinds who worry about money matters, about health and ne! ver really think that good can happen to you, you never will be disappointed because you are using your cosmic order service. You get what you firmly believe in.

It has been believed that people have to work hard in order to get the respect of others and if they are not fortunate to get quality life it is because they never worked hard for it. All they can do is accept and be content of whatever life can give them.

Your mind will only manifest what you ask it to. Ideas which say that it's a sin to have an abundance of health, wealth and happiness will only get you what you believe. You cant expect steak when you are actually ordering bread crusts in the cosmic order service.

To make the best thing to happen to you, first you have to remove all the wrong attitudes and wrong thinking. Positive results will not happen if the mind does not totally believe that these can really happen in you. Once your mind believes that positive things wil! l come true, then you will get your desired results. There are! ways to clear your mind of those hindrances to positive thinking to be able to connect to the universal force.

In order to do this you can use some techniques that will make things happen for you rather than you just sitting and waiting for the good to come to you. Self-hypnosis, positive healing affirmations and chakra balancing are some ways to get connected with the ever helping power of the universe. Even listening to binaural brainwave training frequency waves does you a lot of good.

These methods are great in balancing your brain waves. With these, you can program your subconscious mind, clear out negative thoughts and send new orders to the cosmic order service.

Nothing comes free in this world. The price for whatever you desire from the cosmic order service is knowledge. The knowledge that you can be and have whatever you want in this very lifetime. All you need to do is get rid of old beliefs and instill new ones. This requires courag! e, patience and persistence but can lead to a lifetime of pleasure and happiness.

About the Author:

Jamie-Lee Day is a writer for the popular cosmicorderinginfo.com website. Visit here to find out how easy it really is to change your life using Cosmic Ordering. The amazing Cosmic Ordering video on this site explains all of the secrets!

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In August, 2004, the Federal Trade Commission issued their findings of a recent study, which showed that nearly 25 million adults were victims of fraud.

Now, most importantly, If you are a victim of fraud, please do not feel like you did anything wrong. It happens to all of us at one point or another, as the FTC''s study clearly shows. Everyone likes a magic trick, and none of us are fully capable of noticing the con-artists'' slight of hand. ! So, if you''re a victim, take a deep breath. You''re normal.

But, there''s an old saying that goes something like this: Fool me once, shame on you?Fool me twice, shame on me!"

Here are 5 KILLER STEPS to protect yourself from Credit Card SCAMS!

NATIONAL NO-CALL REGISTRY.

TELEPHONE SOLICITATION

1-900 NUMBERS.

ANNUAL FEES, INTEREST RATES, ETC.

THE UNITED STATES FEDERAL TRADE COMMISSION

1. NATIONAL NO-CALL REGISTRY:

There''s nothing more annoying then those credit card offers that you get over the phone. I don''t know about you, but the last thing I want to be doing, while having dinner with my 1 year old daughter and my beautiful wife, is to be annoyed by phone calls from solicitors that just want to make money off me. Legitimate or not, these calls are a nuisance. If you''re like me, and you would rather live without dealing with these calls, then go do this:

The FTC ! has created the National Do-NOT-CALL registry. Go find out mor! e inform ation about it. The website is: http://www.donotcall.gov

If it makes sense, complete the online form.

Take a deep breath, and relax. Within 30 days, the list will start working for you. I can personally attest that, while the solicitations have not stopped completely, they have significantly, significantly decreased.

Join the FTC No-CALL-Registry, and enjoy a reduction in telephone solicitation phone calls.

2. TELEPHONE SOLICITATION:

Believe it or not, the vast majority of lenders out there are legitimate. Also, believe it or not, a lot of these lenders utilize telemarketing as a method of reaching out to potential customers.

But beware of a wolf in sheep''s clothing. Legitimate Lenders never ask for a processing fee in order to complete your application (this does not include appraisals during a real estate transaction in Escrow?We are discussing credit cards! here).

Keep your personal information to yourself! Don''t give out bank information, credit card numbers, social security numbers, etc., to someone you don''t know, on a telephone call. Use your common sense.

If you don''t have the offer in hand, or confirmed in writing, then don''t pay. This is fraud. Who is this person on the phone anyway? Get their phone number, their address, their federal tax ID number, and then tell them you''ll call back. If they''re legitimate, they''ll give it to you. If you question them, then I say trust your instincts. You''re probably right on target.

Who is this on the phone? Don''t trust people you haven''t had a chance to get to know. Don''t let one enticing offer on a phone call, be your guide...

3. 1-900 NUMBERS:

A 1-900 number is, of course, a phone number that charges the caller per minute for making the call. Whether it''s a 1-900 number, or a future manifestation of the same type of telepho! ne service, be wary of doing business this way.

The m ost common Credit Card SCAM, in all of its different forms, is called an "ADVANCE FEE LOAD SCAM". Typically, you will find these in the classified section of your local newspapers and trade magazines, and unfortunately, you''ll also see them floating around the internet.

In a nutshell, the perpetrator will guarantee you a loan, but you have to pay them an upfront fee first. The fee can range from $100 to several hundred dollars. The charges can be extracted using telephone services like 1-900 numbers. Beware of courier services, and transactions that avoid the US Postal service, often conducted so as to avoid detection. The scam is that once the fake company has your money, they disappear from the planet, leaving you a victim of their con. You are out money, and no credit card.

Now lets'' not confuse Advance Fee Load Scam artists with legitimate lenders and institutions. I can attest that there are real companies out there, trying to help you to! get the credit, loans, and consumer debt services that you need. I believe in many of these services, and I believe in the convenience and power of the internet. However, use your common sense in all your business transactions in life, and that includes credit. Never give someone money without getting anything back in return. Never trust someone that you don''t know. Never get enticed into a deal that''s too good to be true.

Use your common sense, and don''t fall prey to the con artists slight of hand, such as the Advance Fee Load Scam...

4. ANNUAL FEES, INTEREST RATES, ETC.:

Credit Card Scams come in all different shapes and sizes. Many of them are, arguably, not scams at all, but let''s just call them credit card offers involving consumer unfriendly terms.

Read the fine-line. Every Credit Card Offer must provide the Consumer with written documentation on the terms of the offer.

Check the Annual Fee, the Interest Rates, ! the Cash Advance Fees, the Late Fees, and all other terms of t! he offer .

c) Make sure you know what you are getting. Some offers are for secured cards, some are for unsecured cards, and some offers are for shopping portals online and offline (Like a department store card). So, while none of these are scams, by definition, it is important that you fully understand the terms of the credit card offer that you are agreeing to.

Be a responsible consumer, and read the terms and conditions of your credit card offer...

5. THE UNITED STATES FEDERAL TRADE COMMISSION::

The best place to go for direct consumer information, protection, and remedy, is the United States Federal Trade Commission...

The FTC website is: http://www.ftc.gov

The FTC can provide you with TONS of free information about Credit Cards, and other consumer related concerns. They can help you learn more about what to avoid, how to be a smarter consumer, and what to do if you believe that you! are a victim of fraud, and what your remedies may be.

The FTC is there to help...

SUMMARY:

Use the No-Call Registry to cut down telephone solicitations in your home and places of business. While many legitimate lenders utilize telemarketing, be careful. Don''t give out personal information to people you don''t know, don''t pay up-front processing fees over the phone, and get everything in writing. Consider yourself an advised consumer on "Advanced Fee Load" Scams, and look out for the signs, when these scams regrettably make their way to you. Read the terms of the offers that you are considering, and utilize the FTC website for trusted information, resources, and all related materials on consumer credit card issues.

We''ve enjoyed providing this information to you, and we wish you the best of luck in your pursuits. Remember to always seek out good advice from those you trust, and never turn your back on your own common sense.

! Publisher''s Directions: This article may be freely distribute! d so lon g as the copyright, author''s information, disclaimer, and an active link (where possible) are included.

Disclaimer: Statements and opinions expressed in the articles, reviews and other materials herein are those of the authors. While every care has been taken in the compilation of this information and every attempt made to present up-to-date and accurate information, we cannot guarantee that inaccuracies will not occur. The author will not be held responsible for any claim, loss, damage or inconvenience caused as a result of any information within these pages or any information accessed through this site.

About The Author

Tom Levine provides a solid, common sense approach to solving problems and answering questions relating to consumer loan products. His website seeks to provide free online resources for the consumer, including rate-watch, tips and articles, financial communication, news, and links to products and services. You can check out Tom''s website! here: http://loan-resources.org, or you can email Tom at info@loan-resources.org.

Copyright 2004, by Loan-Resources.Org', 127, '5 Killer Steps to avoid Credit Card SCAMS!, Credit, Credit articles, Credit information, about Credit, what is Credit, Credit Information', '5 Killer Steps to avoid Credit Card SCAMS! plus articles and information on Credit'

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As a young student I feared getting bad grades because I didn''t want any bad marks on my "permanent record." Get an "F" in fifth-grade science and it goes in your record. Act up in Mrs. Brown''s class? Yep, it''s ! in your record too. Get caught using a swear word and it''s not only in your permanent record but it goes right at the top! When you go to a parochial school like I did, you come to believe that there really is some mysterious file that follows you for the rest of your life.

Want to know a secret? There really IS a permanent file that follows you through life, but it has nothing to do with grammar school grades or activities. The real "permanent record" you need to be concerned about as an adult is your credit record! You should check your credit record on a regular basis, especially if you are planning on making a major purchase such as a car or home.

Your credit report or credit profile is a record of your credit activities. It lists your credit card accounts and loans, your account balances, and whether or not you make your payments on time. Your credit report is used by potential lenders to evaluate your creditworthiness. Credit reports have also b! een used by insurance companies to determine what rates you wi! ll pay f or your insurance policies.

Reviewing your credit report can help you avoid costly errors. In one recent study, more than 50% of the credit reports checked contained errors. Other studies have shown similar results with as high as a 70% error rate. The most common error occurs when the information of another person, with a similar name or account number, is recorded in your credit profile.

A more serious problem occurs when someone gains access to your personal information and commits identity theft. Identity theft has become the fastest growing crime in our nation. Identity theft complaints jumped 75% from last year according to a recent Federal Trade Commission report. The monetary loss from identity theft crimes skyrocketed to a combined $53 billion in 2002! Accounts that appear on your credit report that weren''t opened by you could be a sign of identity theft.

For a thorough review of your credit profile, you need to check with all ! three major credit reporting agencies (CRA''s) : Equifax, Experian, and TransUnion. Information can vary between the three CRA''s and it''s important to make sure each has accurate and up-to-date information regarding your credit history.

Once you have your credit report, start by checking the accuracy of your personal information: your name, your social security number, address(es), etc.

Next , examine the accounts listed in your credit history. This section lists your accounts with creditors and your payment history with them. It is important to read this entire section and make sure the information is complete and has been reported correctly. Report any errors immediately to the credit reporting agency for investigation and correction.

Finally, check the number and frequency of credit inquiries to your file. Make sure that all the inquiries were authorized by you. Potential creditors who see a high number of inquiries in a short period of time may consi! der you a high risk and deny you credit.

Make it a habit! to chec k your credit report annually. Doing so can save you time, money and future credit problems down the line.

About The Author: James H. Dimmitt

© 2004, http://www.yourfreecreditreportnow.com

Get your FREE credit report online now and subscribe to our FREE weekly newsletter "TO YOUR CREDIT". jimdim815@aol.com', 127, 'Have You Checked Your Permanent Record Lately?, Credit, Credit articles, Credit information, about Credit, what is Credit, Credit Information', 'Have You Checked Your Permanent Record Lately? plus articles and information on Credit'

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Step I - Selecting A Collection Agency

Selecting a credit collection agency is perhaps the most important and difficult task. Some fac! tors you must consider while selecting a collection agency are:

- Experience and professionals
- Geographical presence
- Expertise
- Fees and charging model
- Customer references
- Collection Agency Services has covered this topic in depth through various free collections reports and articles on this site.

Step II - Hiring the Collection Agency and Setting Up Processes

Once you select the collection agency, the first two steps you have to take are:

Enter into a contract with the agency;

Set up processes on how you are going to communicate with the agency.

A contract is the legal document and your legal experts will, of course, prepare it correctly. Just make sure that you include important clauses such as confidentiality and non-disclosure. You are likely to pass sensitive information to the collection agency such as your account receivables, customer contacts, product and services pricing, etc. to facil! itate faster debt collection. You want to be sure that this in! formatio n does not fall in the wrong hands.

Setting up processes is a very important step in dealing with the collection agency. The success or failure of your partnership will depend a lot on how well-defined your processes are and how strictly they are followed. Important processes you need to define are:

Internal processes: You have to put in place a clear process on defining bad debt and referring the case to the collection agency. You don''t want to refer the case to the collection agency before you make a sincere effort to collect the dues internally.

Information transfer: How will you transfer the information to the collection agency about your dues and defaulting customers, and how will you receive the information from your collection agency? Debt collection software can make the information transfer process easy and secured.

Third party dealing: As mentioned earlier, it is very important for you to ensure the security of the infor! mation you give to the collection agency. The collection agency may use one or more of its associated agencies to get information about defaulting customers. Hence you need to set up a clear protocol on how much information they can share with such third parties.

Communication: You need to set up single point contacts for communication within the company and the collection agency. In debt collection practices, the timing of communication is extremely important and hence it will go a long way in deciding the success of your debt collection process. Again, the importance of debt collection software cannot be overemphasized here.

Step III - Performance Monitoring

Once all processes are set, start monitoring the performance of the collection agency. This is an ongoing process when dealing with a collection agency. Important parameters to monitor are:

Quantitative

- Number of cases referred to the credit collection agency and percentage of cases suc! cessfully solved by them.

- Percentage of debt recovered! by the collection agency from all cases referred.

- Percentage of debt recovered by the collection agency from solved cases.

- Percentage of amount paid as fees/commission to the collection agency to the total bad debt cases referred to them.

- Average number of days taken by the collection agency for full/partial credit collection.

Qualitative

* How well do the collection agency professionals deal with your customers?

* Has the collection agency followed all legal requirements mentioned in the Fair Debt Collection Practices Act?

* Has the collection agency gone beyond the provisions of the Fair Debt Collection Practices Act?

* Has the collection agency followed all processes and guidelines set by you?

Step IV - Contract Closure

Hopefully, the selected collection agency will work best for you. But if it doesn''t, then you need to transfer all your debt collection processes from the agency. You should remember the following! important points when you are ending the contract:

Confidentiality and non-disclosure clauses are applicable even after the end of the contract with the collection agency as well as its employees. The collection agency returns all documents related to your business and destroys all information related to your business from their data storage.

Following these simple guidelines will ensure that when dealing with a collection agency that it works best for you and your bad debts are minimized.

Collection Agency Services offers you a wealth of information on how to select the best collection agency for your business.

http://www.collectionagencyservices.net', 127, 'Dealing With A Collection Agency, Credit, Credit articles, Credit information, about Credit, what is Credit, Credit Information', 'Dealing With A Collectio! n Agency plus articles and information on Credit

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There are multiple reasons that tell us why we should have a 700+ Credit Score, but these five facts will definitely give you the big picture and hopefully will drive you to want to fix your credit score starting today.

Fact #1: Did you know that consu! mers with Credit Scores of 700+ are likely to get interest rates up to four points lower than those with scores under 640.

Fact #2: People with Credit Score below 620 won''t get approved for a home mortgage 97% of the time. Therefore if this is your case, you''ll have to keep renting forever!

Fact #3: The interest rates for Jumbo Loans in today''s market are as low as 5% in interest only loans, for 10 years. Only for consumers with FICO score of 720+. Do the math.

Fact #4: Were you aware that you can finance a brand new car for up to 60 months at 0% APR, if your credit score is 700+.

Fact #5: Did you know that there are multiple credit cards companies offering 0% APR not only for balance transfers, but for purchases for up to 18 months... of course when you have a 700+ credit score. Imagine the possibilities!

Copyright © 2005 Excellentcreditnow.com - All Rights Reserved

Carmen Shearer is the President and CEO of S&S Fina! ncial So lutions. She has worked in the finance arena for over 10 years and holds two engineering degrees and an MBA from a branch of Harvard Business School. S&S Financial Solutions offers you credit repair tools and information with a lifetime guarantee. For more credit related information go to: http://www.excellentcreditnow.com', 127, 'Five Reasons to Repair Your Credit Score - You Can Do It Yourself, Credit, Credit articles, Credit information, about Credit, what is Credit, Credit Information', 'Five Reasons to Repair Your Credit Score - You Can Do It Yourself plus articles and information on Credit

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The idea of moving abroad to escape debt seems to be more of a common practice these days. People with failed businesses or swamped in debt seem to think moving abroad will give them a fresh start, free from debt and allow them to build a new life.

It became obvious after reading some of the! comments on various UK debt forums that there is divided opinions on this. Some people think running away from debt is too much of a risk, and believe the creditors will eventually catch up with the debtor, whilst others encourage the idea, stating that there is no way debtors will be found and seem to encourage people to move on and enjoy a new life free from the responsibilities of debt.

In the past this might have been a successful way to start a new life without the worry of unpaid debt. However, creditors and courts alike seem to have caught up with the idea over the last few years and have taken action to make it more difficult for people to escape the responsibility of repaying outstanding debt.

Creditors taking action

Some countries, such as Germany and Canada, have reciprocal agreements when it comes to tracing debtors and debt collection practices. There is not an awful lot of information regarding which countries have reciprocal agreemen! ts and which do not. Could it be that creditors do not want pe! ople to become too clever so have not made it common knowledge? However, a search around the World Wide Web might disclose a few more countries with these agreements.

A reciprocal agreement in the UK means a UK Court can enforce a CCJ (County Court Judgment) using the legal system of the other country. If there is no such agreement in place, a creditor can sell a debt to the relevant country where the debtor resides and debt recovery procedures will commence under the law of that land.

Tracing a debtor

The resources available to creditors nowadays when it comes to tracing a debtor are vast. Although the resources in other countries may be limited, there are still ways and means of finding people, especially once the creditor finds out which country the debtor has moved to. A creditor may have their own department in that country, or relations with other credit companies in that area.

Creditors can also try a tactic or two to locate ! someone''s whereabouts. They may go to the last known address, talk to the neighbours, family friends or relatives who could unknowingly tell them of the person''s whereabouts. Once they know which country the debtor is in, their job is made much easier.

Using an ATM card in another country shows us how easy it is to get information from a UK account abroad. If we can do this so simply, what other information is able to zip round the world almost instantaneously?

Having resources to trace a debtor or having agreements with other countries, or even the possibility of selling the debt to an agency in the appropriate country does not automatically mean that a creditor will be successful in tracing a debtor. In some cases, people do get away with it. It is however a risk for anyone considering moving abroad to avoid debt. A creditor has a period of 6 years from the last time a person acknowledged a debt to use the legal system to recover monies. However, if a credit! or has taken legal action on an account, the debt can be legal! ly recov erable indefinitely. This means that someone could start a new life abroad and work hard for the assets they accumulated, only to find a few years down the line that a creditor has traced them! This could mean everything they have worked for is put at risk and could be taken from them to repay their debt.

What are the Options?

Many people who move abroad who are struggling to keep up with their repayments may not be aware of the free financial help available. They do not even need to telephone the UK, as there is free advice and help available on the web, just a quick email can put someone''s mind at rest and make them realise they are not alone.

There are companies such as FCL Debt Clinic, who can offer a free financial assessment and advice. FCL Debt Clinic can also refer clients to a Debt Management Company who charge no fees and can help negotiate affordable monthly repayments on their clients'' behalf by setting up! repayment plans with their creditors. Anyone with a UK bank account or the use of one for transferring money, with UK debts, can be helped. This way, the ever-present worry of whether a debt is still around is no longer there to haunt someone.

Nicola Bullimore has been working with people who have debt problems for a number of years. For more information regarding debt issues, please visit our Debt Questions website.', 134, 'UK Debt When Moving Abroad, Debt-Relief, Debt-Relief articles, Debt-Relief information, about Debt-Relief, what is Debt-Relief, Debt Relief Information', 'UK Debt When Moving Abroad plus articles and information on Debt-Relief

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Credit is a funny thing. It can be a useful tool in the hands of an informed individual, or a weight of burden to the unsuspecting. One thing is for certain, you must have a decent credit score to attain a quality mortgage loan.

We speak to hundreds of individuals each month that are in the market to buy property. Unfortunately, many of them have l! ess than desirable credit scores, and because of this, are not able to get prequalified for a loan.

There are numerous reasons for bad credit scores: bankruptcies, late payments, large credit balances, and a host of others. There are many legitimate reasons a person may have bad credit, but frankly, most of the people we talk to have simply made poor financial decisions.

In most cases, bad credit can be easily avoided:

1. On revolving credit card balances, make sure you pay your minimum balance each month. You will even receive a slight credit boost if you pay over your minimum amount, so do it if you can.

2. Avoid "maxing" out credit card accounts. Credit cards are good to have to build your credit, but make sure you keep your spending under control. Preferably, you should be able to pay off any CC balances completely in the same month you spent the money.

3. If you need to make any big purchases, avoid the temptation to place the entire purch! ase on your credit card. Instead, put money aside each month u! ntil you have enough for the purchase. Remember, just because you have a big spending limit on your cards, doesn''t make it your money! You have to pay every penny back plus interest!

4. Try to think of a credit card as a tool for building credit as opposed to a tool for buying the things you want. You spend a small amount each month, and pay it off immediately. This will spike your credit score, and keep you out of CC debt.

5. Make sure to pull your credit rating at least twice a year. This will give you a good feel for what your score is, and most credit score reporting services will give you a detailed explanation for why your score is where it is. If you find any errors, make sure you report and resolve them immediately. It can be long and gruesome work to get a negative mark removed from your credit record, but it can be well worth it when it comes time to buy a house.

I hope some of these tips will be helpful for you as you try to be a goo! d steward of your finances.

You may also want to check out these free resources:

www.FamilyCredit.org
www.DebtFreeChristian.org

Justin Smith is the President of the Christian Real Estate Network - http://www.HisMove.com', 127, 'Good Credit -- Essential for the Prospective Home Buyer, Credit, Credit articles, Credit information, about Credit, what is Credit, Credit Information', 'Good Credit -- Essential for the Prospective Home Buyer plus articles and information on Credit

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Let''s face it, if you are facing the possibilities of losing your home due to a foreclosure and you think that you may never be able to purchase another home anytime soon. Keep reading.

I am going to share with you four steps you need to prepare yourself for that transition down the road. First, if you lost your home because of a foreclosure or you''re about to, don''t give up. The worst thing you can do right now, is to do nothing.

First: G! et a copy of your credit report to see what a potential creditor will see and immediately start making repairs to clean up any negative infractions, stay away from credit repair companies.

Visit: http://www.creditinfocenter.com

Second: While you are rebuilding your credit, start putting together an emergency fund. Start off by saving three months of your mortgage/rent payments and three months of car payments for obvious reasons.

Three: Go to your book store, library or online and start educating yourself on lease purchase. I mention lease purchase because of your temporary credit and money requirements. You can normally get into a house with a small down payment and no credit check. Just be prepared to purchase that property down the road. That''s why you need to clean up your credit and who knows, you might start making money with this new found information.

Here are two extraordinary si! tes for you to visit for more information: http://www.lease2pu! chase.co m and http://www.creonline.com.

Four: Start putting together your financial plan. Set goals for your future retirement, college for you or your children. Start a business. Find a financial planner one who will work with you and his motivation is not to sell you something you don''t need, just so he can get a commission.

When the time comes in a few years after you have put a down payment on your lease purchase home, rebuild your credit, raise your credit score; set aside an emergency fund and designed a financial plan, then you will be ready to buy your next home.

Copyright 2005 Bobby Johnson - All Rights Reserved

For a free report titled "How You Can Stop Your Home From Going Into Foreclosure Without Selling or Filing Bankruptcy", call 770-210-8797 or email: bjohn54928@aol.com

Bobby Johnson is a Comprehensive Financial Planner/Accountant/Speaker/Author. He has written many articles and books on foreclosures " How To Sav! e Your Home From Foreclosure and Not Lose Your Mind" and "How To Stand Up To Collection Companies and Win".', 127, 'Four Tips How Homeowners Can Rebuild Their Life After a Foreclosure, Credit, Credit articles, Credit information, about Credit, what is Credit, Credit Information', 'Four Tips How Homeowners Can Rebuild Their Life After a Foreclosure plus articles and information on Credit

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Low cost carrier,Deccan in association with State Bank of India has announced its special fixed fare offer called "SBI card Flat Fare" for all SBI credit card holders.

A fixed fare of Rs.499-! (Basic fare) will be offered to passengers booking on Deccan using their SBI credit card. Taxes and surcharge,as applicable will be borne by the passenger, Deccan said in a release here today.

The offer is valid only for bookings made through the Deccan call centre (Prefix city code 39008888). Bookings under the offer are on till March 15 and valid for travel from January 15 to March 31.

This offer cannot be combined with any other package/scheme.Limited numbers of tickets are available under the offer and will be offered on a first come first serve basis.

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Personal loans from banks in India come in various flavours suiting to almost every imaginable need. Ease of availability, minimal documentation and even doorstep service has become the hallmark of personal loans from banks and financial institutions in India. But are they cheap? Certainly not! Personal loan rates are not equal for everyone; depending on an individual's profile, banks can charge anywhere from 12% to even 30% or more as interest rates on their personal loans. Coupled with the various fees charged on such loans, personal loans are quite a costly solution to personal finance problems.

Mistakenly or otherwise, many people are willing to take cash advances from their credit cards and use them for any personal finance emergency. This practice may sound convenient! since all a person has to do is to swipe his credit card and ! get read y cash, but it has its own drawbacks, which can cause a great harm to the financial health of any individual.

Why do people take cash advance from credit card instead of a personal loan? No enquiries, no documentation, no running to the banks and no waiting for the cash could be the answer. Yes, personal loan requires a procedure, which could take anywhere between 24-48 hours for approval, besides this the banks do look for income requirements, employment eligibility, eligibility in terms of age and residence, a suitable guarantee (if applicable) before granting any personal loan, but when it comes to getting cash for any emergency, personal loans are far better than cash advances from credit cards. The reasons listed below will certainly open your eyes to the harsh reality that sets in once you have taken a cash advance with your credit card, instead of a personal loan.

Interest rates:

Personal loan interest rates vary from 12% to 30% depending on your credit worthiness as decided by the banks, but the cash advance from credit cards will be charged an interest rate upward of 35% in every case, and in some case it can go as high as 50%. This makes it a very high interest rate loan.

Fees and other costs:

Banks charge processing fees, administrative charges etc. while giving a personal loan. If you look very creditworthy to the bank and are willing to negotiate and compare offers from different banks, these fees can be waived. However, in case of a cash advance there is a non-refundable and compulsory cash advance fees with every such transaction. This fees can vary from 3%-5% of the total cash withdrawn, and when this fees has no upper limits things can become very costly. This cash advance fees has a certain minimum value as well, so even if you! withdraw a single Rupee, this minimum cash advance fees will ! apply. T he processing fees and other charges associated with a personal loan will seem meager when compared with this cash advance fees.

Interest rate through the repayment period

The interest rates charged on personal loan remains the same throughout the repayment period if you have opted for a fixed rate or it can vary little bit if floating rate was chosen. On the other hand credit card companies apply any repayments to balances with low interest first and so on. So, if you regularly use your credit card and repay fixed amounts, credit card companies will use it to offset your regular balances first and chances are great that your cash advance will be repaid only after your repayments has covered other outstanding balances. This will cause your cash advance to earn a high interest rates for the credit card company. In addition to it if for any reason you miss your repayments with the credit cards,! penalty interest rates and late payment fees will increase your burden.

Cash advances from credit card, can be quite disastrous and are not a replacement for personal loans. However, if some circumstances compel you to take cash advance, it will be better that you repay your entire outstanding amount with the very next monthly bill.

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trading risk Multi Currency Card from Reliance Money

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Anil Ambani Group firm Reliance Money said it has launched a multi-currency card which would offer facility of purchasing goods and services through Visa enabled point-of-sale terminals and ATMs globally.

Reliance Money Travel Currency Card has been launched in collaboration with Citibank and targets overseas travellers, as a superior alternative to travellers cheques, Reliance Money said in a statement.

"Issued by Citibank, the card offers all the co! nveniences of plastic money by allowing customers to purchase ! goods an d services by swiping the card over 13.5 million Visa enabled point-of-sale terminals worldwide and 900,000 Visa ATMs across the world," Reliance Money said.

According to the company, travel currency card would be a multi use, prepaid (ATM access & point-of-sale-enabled) card, loadable in US dollar, euro and British pound.

"We plan to use our wide distribution network of over 10,000 outlets across 5,000 cities and towns in India to reach out to both retail and corporate clients," Reliance Money CEO (OTC Business) Jhuma Guha said.

According to the firm, although the card may be denominated in dollar, euro and pound, but it can be used in the local currency of any country of visit.

"This form of payment method provides ease of use, removes hassles of cashing traveller cheques and gives access to funds, anytime and anywhere," Citibank India Business Manager (Cards) Sandeep Bhalla said.

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If there is a suspicious transactions on your credit card, then you need to take the following actions immediately.

Action 1: Get your Credit Card Blocked immediately by contacting the call centre

Action 2: List all the Transactions you have not done with the Amounts and the Description that appears on your Statement. Ask the executive if it was an Internet transaction or a Physical Swipe.

If it is a physical swipe then it means someone has got hold of your physical card, then assume your money is not going to come back.

Step 3: Ask th! e Call Centre Executive where in the website is the "Transaction Dispute Form" displayed. Download the form, fill with the necessary details pertaining to fraudulent transactions and amounts and send to the Banks. Also scan and mail to the Banks Customer Service ID. It is better to write a covering letter to the bank asking for a charge-slip retrieval if these are physical card swipes.

Ask the Call Centre when you can contact them next for an update and keep the details of your calls / mails.

Step 4: If the Transaction was an Internet Transactions which was done withou! t the Card being physically swiped request for a Temprory Cred! it (whic h is given for a period of 45 days) and initiate a Chargeback process. This is a process where the Bank does an investigation with the vendor and reverts back to you with a decision within 45 days. For disputes on Internet Transactions there is a good chance of being ruled in the customers favour. Keep following up with the bank regularly. For physical swipes where the Card has been stolen, the customer is at the mercy of the fraud investigations done by the Bank.

Step 5: If you have received a Temprory Credit, you do not need to make a payment for those transactions. Else please make your minimum payment due! to avoid being reported to CIBIL

Step 6: In case of p0hysical swipes, you will need to accept whatever the bank rules, in the case of Internet Transactions, you can write to the Nodal Officer of the Bank or the Banking Ombudsman and escalate the complaint further if you get a satisfactory resolution

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With the increasing indebtedness of consumers, many debtors on their credit card balance transfer offers come to make ends meet. Of course, the magic of credit cards to its capacity to consumers and small business products or services are purchased to help, even if! the lack of liquidity of cash. Borrowers swap their credit card balances in cash in various places in the world, where goods are bought and sold. Often, consumers are accumulating debt. One option for consumersManaging credit card debt is to use the credit card balance transfer features.

Understanding of the details of a credit card balance transfer options can be a very complicated matter. But the basic idea is very simple. In the simplest case, the consumer has at least two accounts - a credit card account with a balance and one without. In most cases, the credit card has a balance of a high interest rate, and the credit card with a lowerEquilibrium has a lower interest rate.

In this situation it makes sense for the consumer, the rest from the "high interest rate card" to "lower interest rate card" to save money and transfer it may lower monthly payments. In this way, a cr! edit card balance transfer options are used to consoli! date deb ts. A consumer can do this with several cards so well. For example, if a borrower has a Visa, Master and two cards, he or she Consolidation of all three funds in a fourth card.

It is necessary to warn in the assessment of balance transfer programs. A major problem is the balance transfer fees, which typically charge during the transfer. It makes little sense to transfer assets if the fee for the transfer will be much higher than the money saved in one year. Moreover, it is important to be careful that the card is beign used> Transfer of the balance sheets has a large enough credit limit to keep the transmission. If the credit limit is exceeded on the receiving card can lead to high fees.

Another time, caution is advised when the payments. Often credit card companies will lure consumers into a balance on money transfers, by a very low interest rate. In addition to the low can stri! ct payment terms specific enough to make payments on time may result in aincrease dramatically. Consumers should fear the fine print and make sure that they can make timely payments.

The strong competition among banks for credit card customers has caused an enormous increase in the number of balance transfer options for borrowers. The banks have a large impact on the credit card industry - without it, would the billions of daily transactions with the money from absent. Many large U.S. banks and multinational banks are nowoffers the possibility of multiple credit cards balance transfer programs with the aim of increasing the customer.

Because of this increased competition, it is often possible conditions for the balance with your credit card company to negotiate. Do not be shy. Tell them what you want. Sometimes you can do what they will be surprised.

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loan refinancing A Zero Percent APR On Balance Transfers Guide

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While the vast majority of credit cards offer a 0% APR on balance transfers, not all deals are the same. In fact, some 0% APR balance transfer offers, you may wind up costs a lot of money in fees and interest rates. In this article we will go over the fine print and figure out how to find the best balance transfer credit card.

The first thing to look! for in a 0% APR balance transfer credit card is the duration. Formost cases it is not hard to be a card that offers 0% for one year. However, some credit cards offer two levels for the balance transfers. Persons with excellent credit will get approved, and with a 0% rate for a full year. Those who are average or below average credit can get approved for the same card, but only offered a 0% rate for 3 months. This is one of those nasty credit card tricks buried in the fine print. To avoid an issue like this, please read the pricing information inthe terms and conditions.

If you have a credit card that offers a 0% APR on balance transfers for 1 year to the next area to examine is the fee. 99% of the total assets of 3% transfer fee credit card balance transfer fee with a maximum of $ 75. If you transfer decreases of more than $ 2,500, the percentage amount. For example, if you are a transfer of $ 5,000 balance, you pay only $ 75, or 1.5%. With an average cre! dit card interest ratesHover over 15%, with 3% and 1.5% still works out that a good deal.

While most credit cards offer a 0% APR on balance transfers cap the maximum fee at $ 75, some cards have increased the maximum fee dollar so much as $ 250. (Very few companies charge this amount and I can not name names), but you can avoid these maps with regard to the fees section in the terms and conditions of the credit card offer.

We have discussed the 99% of credit cards that charge balanceTransfer fees. Now for the rare (and pose increasingly rare) 1%, that no fee balance transfers. There are a few catches with this offer. First, many offer only a 0% for 6 months. Those who do not offer a 0% APR on balance transfers, no fee for a full year rule a 0% APR offer on the purchase. If you know that you are not using your credit card for new purchases, applying for one of these deals will bring the best savings. However, if you think that y! oube with a balance from month to month throughout the year, you will end up paying much more money in interest on new purchases than we have spent on the balance transfer fee.

We hope that the process of selecting the best credit card offers a 0% APR on balance transfers now be easier to you with the information that credit card companies do not want you to know that armed. All you now need to do to save money to start looking after your interestsMap and apply.

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