Debt Management

Sabtu, 16 Januari 2010

Let's go for a complete credit repair

Generally, repairing credit is essential if you are planning to borrow money or buy insurance. A high credit score plays a vital role in lowering the interest rate which will guide to a lower monthly payment on your loan. If you are planning for taking a new loan, then try to increase your credit score. It is not so difficult to repair your credit.

First you have to be sure that you are not more than one month late on any rotating credit that you presently have. Something like credit cards, secure loans are the examples of your rotating credit. If, it is more that thirty days late, it will dramatically change your credit score for the worst!

Secondly you have to lower the balances of your current accounts. You also have to fix the credit limit if it is going high. If, you won't be able to do so, it will greatly reduce your credit score. Your current account balances are the most important factors those are used to evaluate your credit score.

You have to dispute negative collection accounts on your credit report. If, you will be able to get them deleted from your account, your credit score will dramatically improved. You should not be afraid to challenge a collection account. It is one of your legal rights. You have to be careful about your credit. It is the most important factor of your financial life.

Jumat, 15 Januari 2010

EARTHQUAKES

EARTHQUAKES
California is a beautiful place to live. I am a native Californian I lived on the East Coast for a year the people I met there, always asked me how do you deal with the earthquakes. I would say you get use to them, and hopefully your prepared with your earthquake kits. California has been having earthquakes for the last two weeks. A 4.1 magnitude earthquake hit the Calaveras fault near Milpitas causing minor damage on January 7, 2010.
A 6.5 magnitude earthquake hit Eureka on January 9, 2010 causing $18 million dollars in damage and a 3.6 earthquake hit Humbolt County causing no damage. The disaster in Haiti is tragic, let us here in California be prepared. You may need to survive on your own after an emergency. This means having your own food, water, and other supplies in sufficient quantity to last for at least three days. Local officials and relief workers will be on the scene after a disaster, but they cannot reach everyone immediately. You could get help in hours, or it might take days.
In addition, basic services such as electricity, gas, water, sewage treatment, and telephones may be cut off for days, or even a week or longer.
Recommended Items to Include in a Basic Emergency Supply Kit:
Water, one gallon of water per person per day for at least three days, for drinking and sanitation Food, at least a three-day supply of non-perishable food Battery-powered or hand crank radio and a NOAA Weather Radio with tone alert and extra batteries for both Flashlight and extra batteries First aid kit Whistle to signal for help Dust mask, to help filter contaminated air and plastic sheeting and duct tape to shelter-in-place Moist towelettes, garbage bags and plastic ties for personal sanitation Wrench or pliers to turn off utilities Can opener for food (if kit contains canned food) Local maps Cell phone with chargers Additional Items to Consider Adding to an Emergency Supply Kit:
Prescription medications and glasses
Infant formula and diapers
Pet food and extra water for your pet
Important family documents such as copies of insurance policies, identification and bank account records in a waterproof, portable container Cash or traveler's checks and change Emergency reference material such as a first aid book or information from www.ready.gov Sleeping bag or warm blanket for each person. Consider additional bedding if you live in a cold-weather climate.
Complete change of clothing including a long sleeved shirt, long pants and sturdy shoes. Consider additional clothing if you live in a cold-weather climate.
Household chlorine bleach and medicine dropper – When diluted nine parts water to one part bleach, bleach can be used as a disinfectant. Or in an emergency, you can use it to treat water by using 16 drops of regular household liquid bleach per gallon of water. Do not use scented, color safe or bleaches with added cleaners.
Fire Extinguisher
Matches in a waterproof container
Feminine supplies and personal hygiene items Mess kits, paper cups, plates and plastic utensils, paper towels Paper and pencil Books, games, puzzles or other activities for children Find out how to keep food safe during and after and emergency by visiting:
http://www.foodsafety.gov/keep/

PRAYER TO HAITI

We here at Streetwise would like to send our deepest regrets for your disaster, our prayers go out to all Haitians. We wish you a timely and speedy recovery, may God bless all of you. If anyone out there would like to help here is what you do Text YELE to 501501 to donate $5.00 or
click on http://www.yele.org/

http://www.edmontonjournal.com/news/Earthquake+California+coast+causes+minor+damage/2426160/story.html

http://www.pressdemocrat.com/article/20100113/news/100119794&tc=yahoo

http://www.ready.gov/america/getakit/

http://www.ready.gov/america/index.html

LM

Selasa, 12 Januari 2010

STEROIDS IN SPORTS

self created photograph by BurmaShaver 01:06, ...

Image via Wikipedia

STEROIDS IN SPORTS

Using steroids to make your game better, and not for medical reasons is
cheating and stupid. Another sports figure Mark McGwire former Oakland A’s
player has just admitted using steroids during his illustrious baseball career. Jose Canseco former teammate of Mark McGwire admitted using
anabolic steroids in his tell all book “Juiced: Wild time, Rampant ‘Roids,Smash Hits & How Baseball Got Big” in 2005. Mark McGwire was named in this book as a steroids users, but of course he denied it. My mother used to
say “you can deny, deny, deny it will all come out in the wash” that’s just what happened to a former Oakland A‘s player Mark McGwire. Former San Francisco player Barry Bonds is still denying his use of steroids he should come on clean and get it over with. I fell that anyone using steroids in any professional sports as well as non professional sports don’t deserve to be mention in the Hall Of Fame or any other accolade,because they cheated. These sports figures are setting poor examples for
our youth. I know what steroids can do to your body. It can cause long lasting irreversible negative health consequences. Steroids can lead to premature heart attacks, strokes, liver tumor, kidney failure and serious
psychiatric problem. In addition, because steroids are often injected, users risk contracting or transmitting HIV or Hepatitis. Steroids have no place in sports.

http://www.kcbs.com/McGwire--I-Used-Steroids/6088490

LM