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.
Credit Cards For People With Bad Credit, No Credit, And Poor Ratings
How to Earn 6-Figures in Holistic Nutrition
Does this story sound familiar to you?You graduated from nutrition school totally jazzed about building your holistic nutrition practice. You thought you had all the pieces in place for a successful nutrition business – the counseling program, the website, the business cards, the brochure, and the fire inside to spread your message about holistic health and nutrition. You’re doing workshops, meeting referral partners, launching events, and coaching clients…you’re working your butt off! And yet you’re almost dead broke.I know your story, because I had the same experience!Until one day I realized….why waste your valuable time and money building your practice using unproven strategies and trial and error, when it’s possible to discover the biggest mistakes – and the most effective strategies – of Holistic Nutrition Professionals who have careers that are already thriving?I mean, how much money and time could you save if you could analyze, understand and MODEL real-world, profitable holistic nutrition practices?With this in mind, I interviewed ten top holistic nutrition pros to discover EXACTLY how they built their booming careers. And I learned that there are three keys to success in holistic nutrition.1. PassionMost holistic nutritionists got into this career because they had a personal experience with nutrition that utterly transformed their own lives. They have a deep, burning conviction in the transformative power of nutrition, and a driving desire to help other people experience that transformation.2. PersistenceWould you believe that even Dawn Jackson Blatner, author of the best-selling “Flexitarian Diet” and featured nutritionist in magazines and TV shows all over the country, was turned down over and over again for almost every job she got? Even this brilliant and gifted nutritionist, who has made an indelible mark on the industry, had to push past “NO” a hundred times. Kathie Swift, Dr. Mark Hyman’s featured nutritionist in “UltraMetabolism” had to spend years convince top doctors about the benefits of nutrition and functional medicine before she could help create the now world-renowned nutrition and medical programs at Canyon Ranch Spa and Resorts.These trailblazing holistic nutritionists had a driving passion for their work, and they simply didn’t take “no” for an answer!3. Passive IncomeThere is no doubt about it – the most successful holistic nutritionists are able to go beyond the traditional model of seeing individual clients and being paid by the hour. These savvy nutrition pros know exactly how to package, price and market their services, so that they have products and services practically selling themselves when they’re asleep, at the gym, or on vacation at the beach!By leveraging this kind of passive income stream, the top holistic nutrition pros have been able to easily explode their practices into the six-figure mark and beyond.So what does studying and modeling the careers of successful Holistic Nutrition Pros mean for you?If you’re someone with a passion for nutrition, who wants to turn that passion into a career…It means that it IS possible to make a great living while doing you love to do, instead of going to a job everyday that drains you.If you’re a practicing holistic nutrition pro, but you’re not getting enough clients or making enough money…This means the difference between getting two clients this month, and getting TEN clients this month.For both practicing nutrition pros and nutrition-pros-to-be….This means the potential to add a ZERO onto your currently yearly income…by helping people transform their lives through the power of food.
Quality Specialty Tea and E-Commerce
There is no question that quality loose leaf tea is better tasting and offers more flavors and varieties that bagged tea. But quality loose leaf tea has another feature that appeals to tea drinkers and that is ease of ordering on the internet.Internet shopping or e-commerce as it is often called offers variety, lower cost and convenience and now, with the security safeguards offered by security providers like Verisign and others, e-commerce is absolutely safe.Over the years, e-commerce sites have become easier and easier to use and now orders can be placed quickly and easily. In addition, many e-commerce sites offer a variety of low cost shipping choices that can arrange delivery to the customer’s home, place of work or other locations.Prices are low with e-commerce shopping because the human element is removed and often the consumer can make a purchase without paying annoying and costly sales tax.Loose leaf specialty tea is a particularly attractive product for e-commerce. There are a wide variety of tea choices that can be included on the tea e-commerce site and, in addition to tea products, many suppliers offer high quality accessories.E-commerce sites can also provide value added information that the consumer needs ranging from in depth articles about tea and the history of tea to caffeine levels and compatible menu choice that enhance the tea experience. Some sites even provide for customer feedback that allow the consumer the ability to rate the product and service.Some e-commerce suppliers make ordering and trying the tea even easier by offering packaging that includes sampler packages (avoids the high cost of trying new flavors and blends), attractive tea tins, and ½ lb and 1 pound packages for bulk buyers. Of course, as the quantity of tea increases in each package, the unit cost of the product decreases.Loose leaf tea is also easy to ship and store and has a long shelf life so in these days of rising fuel prices, the cost impact of shipping becomes minimized.Some tea e-commerce sites are particularly good at promoting their products on the market by creating links and providing rich content that is used by search engines that list the sites. This type of promotion is definitely value added in that only new, fresh content about tea is rated by the search engines. In addition, those sites with relevant content links are counted by the major search engines.In the end, however, it is the quality of the product and service that create customer satisfaction. If the product is low in quality or the service of ordering and shipping is substandard, aggressive promotion will not create business in the long run. Successful specialty tea e-commerce sites offer the highest quality products combined with the most efficient, customer oriented service.When buying specialty tea through an e-commerce site always look for quality tea products from a site with a reputation for customer service and satisfaction.