You'll get wet but the reward just might be a more fulfilling ride!In Survival is Not Enough, author Seth Godin says change is the "new normal." Rather than thinking of work as a series of stable times interrupted by moments of change, Godin says we "must now recognize work as constant change, with only occasional moments of stability." For many of us this very thought stirs both a nervous anxiety and an enjoyable excitement. Even if we are...more
What is Mobile SMS/ Test Messaging?Mobile text Messaging, or Short Message Service (SMS), as we all know it, is the ability to send and receive text messages to and from mobile telephones. The text can comprise words or numbers or an alphanumeric combination. SMS was created as part of the GSM Phase 1 standard. The first short message is believed to have been sent in December 1992 from a Personal Computer (PC) to a mobile phone on the Vodafone...more
Food industry needs to adapt to the South Beach Diet principles in order to remain profitable.Watching the big amount of "low-carb", diet-friendly versions of foods that appear on the market, one would say that the South Beach Diet has not affected only people who want to get slim and healthy. Companies involved in the food industry have also been feeling the South Beach Diet effects: some of the products in great demand have brought profit while sales for high-carbs, diet unfriendly ones have drastically fallen. The owners of many businesses have taken measures to adapt their range of products to the needs of the market, offering low-carb versions of their products. Some pizza owners have introduced into their menus the low-carb pizza, inventing new dough recipes: Donatos Pizzeria from Columbus, Ohio makes a pizza dough of soy protein and other ingredients and it is said to be very tasty too. Others just offer "pizza in a bucket" - no dough at all, only the topping ingredients (Escondido, California, Pit Stop Pasta). Doughnut producers have been experiencing serious inconvenience - The New York company, Krispy Kreme Doughnuts Inc. has registered a serious decrease in sales that...more
Can you stop debt collectors ? . . .You better know you canYou can stop debt collectors under the law provided by the Fair Debt Collection Practices Act. If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor."If you fall behind in repaying your creditors, or an error is made on your accounts, you...more
Your credit report--a type of consumer report--contains information about where you work and live and how you pay your bills. It also may show whether you've been sued or arrested or have filed for bankruptcy. Companies called consumer reporting agencies (CRAs) or credit bureaus compile and sell your credit report to businesses. Because...more
Your credit file may not reflect all your credit accounts. Although most national department store and all-purpose bank credit card accounts will be included in your file, not all creditors supply information to credit bureaus : Some travel, entertainment, gasoline card companies, local retailers, and credit unions are among those creditors that don't.If you've been told that you were denied credit because of an "insufficient credit file" or "no credit file" and you have accounts with creditors that don't appear in your credit file, ask the credit reporting agency to add this information to future reports.Although they are not required to do so, many credit bureaus will add verifiable accounts for a fee. However, understand that if these creditors do not report to the credit bureau on a regular basis, the added items will not be updated in your file.Sample Letter to Add Positive Information to Your Credit RecordDateCredit Bureau NameAddressCity, State ZipTo Whom It May concern :After reviewing my recent credit report from your company, I noted that my credit report does not include information that I know is important to providing a complete picture of me as a...more
Ever wonder how a creditor decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you'd be a good risk for credit cards and auto loans. More recently, credit scoring has been used to help...more
So-called "credit repair" companies claim they can remove negative information from credit reports. Advertising as "Credit Advisors," "Credit Rating Correction Services" or "Credit Consultants," they trumpet variations on this message: "Turned down...more
Mathematics is unerring. As a child we are taught that 2 + 2 = 4. This will never change and will always yield the same results; except when it comes to calculating you phone bill. Most long distance carriers advertise their low rate per minute...more
You may already be familiar with Check 21, a federal law that goes into effect on October 28, 2004. If you're like me, this may be something you hadn't heard about until just yesterday. The Check Clearing for the 21st Century Act, otherwise...more
If you're a webmaster who has been itching to start a home based business and you are experiencing some cash flow problems and are considering leaving your dreams by the wayside, don't. Credit cards may be your answer. Now before you...more
Let's be crystal clear, right up front. Paying someone to "fix" your credit is a waste of your time and money, since the negative issues that are temporarily removed from your file will only reappear again in a couple of months.Be careful with...more