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We live in the world of credit. Most of the banking institutions offer different forms of credit from credit card to signature loans.Majority of people often find themselves in bad credit situations like court judgment, bankruptcy, repossession, foreclosure and loan default,due to lack of enough financial knowledge and discipline which often make it difficult for them to get any credit at all in future. So – what exactly is credit?Credit means that you are getting a service or cash grant to rent for your own purpose. You are often bound with a contract or agreement to repay in future as agreed with lender or service provider. Credit exists in different forms like loan, mortgage, signature loan, or credit card.Every financial institution or lending agency, will first check your credit history, before they will consider giving you credit. If you have defaulted on credit or loan before or have bad credit history you will find it almost difficult to get credit any time you apply for it.However, it’s possible for you to improve your bad credit history or build a new good credit history by repairing your bad credit, thus re-establishing your credit-worthiness. This process is called credit repair. It’s the process in which consumers with unfavorable credit histories attempt to re-establish their credit-worthiness.Though there are lots of credit repair companies nowadays that promises repairing your bad credit for you, but if you can follow simple guide, it’s very possible for you to do it yourself – after all it’s your credit.If you repair your bad credit it will make it easy for you to get low interest credit, car or home loans. However, with poor credit rating you may not be able to get loan or be subjected to high interest rates and several other unnecessary conditions. So it’s very important that you repair your credit if you have bad credit. You will get lots of tips on how to do this easily in this book.Your credits score – how you can improve it.Your credit score is a very important in any financial transaction that you make or intend making in future. So it’s good you know what exactly your score is, understand its meaning and learn how you can improve it if it’s not good enough.”Many factors can contribute to a negative rating from the credit reporting agencies. Many factors like are non-payment of an account or late payments over an extended length of time, can contribute to someone getting a “bad credit” rating or poor score. Whether non-payment of an account is willful or due to financial hardship, the result can be the same, a negative rating. … But there is hope to get credit cards for people with bad credit, poor credit or lower credit score”Credit report – its effect on your personal creditCredit report is a compilation of your credit history, past financial transactions and personal information possible. This report is usually compiled by accredited agencies known as credit reporting agency.Credit reporting agencies are organizations that help credit card companies, loan companies, banks, and departmental stores in the country to ascertain the credit worthiness of their would be clients.Once they have detail information from these sources, they give it to any organizations in need of it when requested. Though they keep on file information concerning you and your credit, they don’t make final judgments as to your credit worthiness. The decision is up to the credit card companies or any lender which you are dealing with.Credit cards: – types and what you need to know about them.
Nowadays, everybody wants to have at least a credit card. Everywhere you go you see adverts from various banks and other financial institution offering you credit card. However, before you apply for a credit card, there are several factors you need to consider. So it’s very important that you know more about the types of cards available, and one that will work best for you.Secured credit card: – A secured credit cards for people with bad credit requires a security deposit as collateral before you can get approval. Its type of card that best suit the need of people with no or poor credit who are trying to build their credit history. Your collateral must be equal or greater in value of the credit amount you are applying for.With a secured card you put up your own money (into a savings account with the bank you are applying for credit card) and that amount (or part of it) is the credit line for your card. Put in $500 and you could have up to a $500 credit line. You can deposit anywhere from two hundred to two thousand dollars into an account, and that will be your spending limit.
This will give you the flexibility of using a credit card and because if you pay off every statement you are letting creditors know that you can handle credit (again) and your bank may soon begin extending your credit line beyond what you have put in. So you are on your way back to healthier credit, to a status where you will no longer need a secured card.Business credit cards: – These are the card that’s available for business owners, directors and business executives. They come with several features just like any traditional credit cards. You have to consider the terms and condition for these types of cards too before applying.Student credit cards are another type of credit card specifically for students. These types of cards are made for students because of their lack of credit history, and if given chance they can build their credit history with such card.Prepaid credit cards: – are set of cards that are just acceptable wherever the traditional credit cards are acceptable, but they are not credit card. You will have to always transfer money to your card before you can make use of the card and you may not be able to spend more than you prepaid for the card.Presently this is almost the best card for people that want to avoid interest and other fees charged on traditional credit card and also for people with bad credit. However, other little charges like monthly fees, application; over the limit and ATM fees are still applicable, but these gets offset if you pay your bills via money orderWhichever card you decide to choose make sure that you go over the terms applicable very well to avoid putting yourself in financial bondage. In second part of this article we will continue looking at other types of credit card.Balance credit cards are unsecured standard cards designed to allow consumers to save money in interest charges by transferring higher interest credit card balance onto a lower interest rate credit card.Low interest credit cards are other types of non secured standard credit card. They offer either low introductory APR that change to a higher rate after a certain period of time or a low fixed rate. You can take advantage of the low introductory APRs to make larger purchases for now and pay them off several months later. It wont be possible to get this credit card for people with bad creditAir Mile Credit cards are cards that are good for people that travel frequently or planning to go on vacation. It’s a form of reward card that allow you opportunity of obtaining a free airline ticket. You will need to accumulate specified air miles before you can be entitled to free ticket. All accumulated mile points will be based on dollar amount of your credit card purchases over a period of time based on predetermined point level.Specialty credit cards are other set of standard non-secure cards designed specifically for individual business users and students with unique and special needs.Make sure that you study the terms of any of the card that you pick very well to avoid risking your credit rating. Also, when you pick any of the reward cards make sure you study the forms and offers very well because credit card issuing companies do offer different reward programs and their promotional offers often change. So make sure you thoroughly look over the card’s terms and conditions of each specific card before applying.

Fashion has a rippling effect on people from different walks of life. It gradually gains popularity among different strata of society. To help fashion reach out to the consumers, a large number of professionals are needed. Apart from fashion designing, you can find a number of exciting jobs related to fashion.If you are not into designing but still want to remain connected with fashion, you can perform other job duties such as Fashion marketing/ merchandising/buying and forecasting in context of every kind of wear be it the sophisticated haute-couture, ready-to-wear or for the mass market and street wear.Basically, the fashion and the retail industry at large works as team where fashion advisors, buyers, forecasters, merchandisers and marketers, fashion designers play their part well and keep the industry going. If you love fashion and want to be related to this field professionally, you can take up jobs such as that of marketing/ merchandising/buying and forecasting in this field. These jobs enable you to execute functions that help designers to sell their collections. As a buyer you have to perform a number of functions such as that of a fashion buying. You’ll be entrusted with the job of buying raw material/accessories for fashion houses, buying houses, export houses and retail line. For this you need to have a superior knowledge about the new trends that are likely to hit the market and probably which will fetch a large number of consumers. Fashion Marketing is basically concerned with making fashion reach out to maximum number of consumers and assisting fashion designers, retail stores to make fashion accessible to the target customers. You have to work with fashion designers, suppliers and also at the manufacturing level in order to even the process that precedes fashion designing.You can also be highly involved in fashion by running a retail store. If you have knowledge about fashion and how the industry operates, you can open a retail store. Alternatively, if you are not too keen on entrepreneurship you can take up jobs as retail managers/executives in fashion houses and retail stores.Fashion Forecasting is another area where you can exhibit your love for fashion and work in the industry. As the name suggests, the job includes predicting fashion trends, the colours which will be popular in a particular a season or a year and the styles that are likely to become rage over a particular period of time. The designer takes cue from the trends predicted by forecasters and then decides upon the styles, fabrics, colours for the clothes line they want to launch and the clothes they want to design for creating a collection pertaining to a particular season. Analysing and evaluating new trends is necessary and designers/ retail houses depend a lot on extensive market research which forecasters make. The job may require you to travel extensively to get a peek into different markets in different geographical areas. You have to forecast the new colours which will become trend in the upcoming season, the new styles and trends that will become popular.

Nutrition and natural remedies are now taking hold of many people. They are looking for alternative ways to recover their health or to heal their ill condition. Many know that drugs are good for an emergency or for short term use to get past health dangers. But continually using drugs for years or a lifetime can cut your life short from dangerous side effects.By learning some nutrition basics or advanced principles, you can decide what is best for you and you will have an idea of how to handle sickness or an ongoing disease. Most people that I have talked have very little knowledge about nutrition and the amount that they do have is received from friends or relatives at the dinner table.Yes, there are many people that know a lot about nutrition and most are concerned individuals, avid readers, or educated and know the importance of nutrition. They study and take courses in nutrition and become a good source for other people.Nutrition is actually a science and as such can get quite complex in theory. Nutrition is concerned with the chemical make of food, how this food is digested, how it is absorbed, how it is used to promote health, and how it is used to prevent and eliminated illness.For the normal person, the nutrition they need to learn is the practical side of nutrition. To learn some theory or reasons for practicing good nutritional habits is essential to keeping good nutritional habits going.The very first principle a person should learn is the idea of an acid and an alkaline body. This is a practical nutritional that can be used to gain excellent health. Learn what acid and an alkaline body are and start using nutrition to move your condition to an alkaline body. Much research exists showing that all diseases exist when you have an acid body. An acid body produces disease because pathogen, cancer, and other diseases thrive under acid conditions.With nutrition, you can determine what level of acidity your body has and how to move your body into an alkaline state. You can learn how to monitor your ability to reduce acid in your body and as you do, you can adjust your eating habits to gain maximum health. Nutrition says your body is electrical, so you are constantly supporting biochemical and bioelectrical reactions. You can learn the basic principles that cause these reactions and supply the foods that create and build the right cell structures. Its all in the food you eat, the way you eat it, the way you cook it, the way you absorb it, and the way your body uses it.Learning and using nutrition is so important that it should be taught in grammar and high school, but it is not. But, now as an adult, you have the opportunity to correct this big oversight. Learn nutrition so you know what you have to do to keep healthy as long as you live. You can learn nutrition by taking some online courses that teach you the natural way to use nutrition.