Credit cards are often the first step for a consumer to build their credit score. When you make regular payments with a small credit limit, lenders will be more willing to lend you larger amounts. Before you jump out and open an account, make sure you don't have too many credit lines open or otherwise hurt your credit.Pick A Good CardCredit card companies offer several different types of credit cards for consumers. You can find student programs...more
What do you think is the biggest concern of banks when they lend you money? Well, cautious and conservative as they are, what banks fear most is that you wont be able to pay back the loan. It is not so much a question of trust, if you try to get away from them, they'll hire a debt collection agency or have you called up before a court. What they fear is simply that you will not be able to pay them back, even though you want to. Looking at it from...more
SummaryTypical Hot Mix Asphalt (HMA) plants are equipped with hundreds of feet of uninsulated flexible metal "jumper" hoses. The primary function of the "jumper" hose is to transfer hot process oil in a primary jacketed pipe across a connection flange. Traditional insulating technologies that utilize mineral wool and hard aluminum cladding are not capable of servicing these hoses as they have a small diameter and a very tight bend radius. The result is that the "jumper" hoses are left uninsulated and they are a significant source of heat loss costing HMA plants thousands of dollars each year in energy inefficiencies. Recent improvements in thermal insulation technology have finally enabled HMA plants to insulate the neglected "jumper" hoses and recover significant capital in energy savings. The TechnologyRecent advancements in insulation technology are utilizing closed cell silicone sponge rubber as a primary source of high temperature insulation protection. The advantage of this material is that it has a very low thermal conductivity making it an excellent insulator. In addition silicone sponge rubber is non fiberous unlike traditional mineral wool and it does not required a...more
Credit cards can earn you cash, airline miles, or rewards. To get the most out of your credit card company, you have to choose the right program and use your card often.Pick The Right ProgramDo you want a free trip to Hawaii or cash at the end of the year? Credit card companies offer a variety of reward programs, so choose the one that you like the...more
Competent financial advisors don't have a particular look about them, even if they claim to have proof of their ability. To protect yourself, it is important to ask the kind of questions that will indicate whether the potential advisor has the requisite level of skill to handle your financial affairs, or whether you should look elsewhere. The...more
You've has a tough day, maybe even a tough month. I walk up to you and utter these words, "You are responsible for your results."What do you think about that?When you hear me say that you're totally responsible for the results you produce in your business---you might jump to a conclusion. You may even think that I'm suggesting that you should take the blame for your results.Nothing could be further from the truth.By taking responsibility for your results and your outcomes--- you grant yourself great power.If you acknowledge that you're truly responsible for the way your projects end ---good or bad--- you give yourself great power. You can use this newly discovered power to make your projects end up another, possibly more desirable way.Before I go on, let's agree on a few things.The first agreement: The results you produce are determined by your choices and your actions.Second agreement: A lot of people look upon failure as a bad thing.What if there was an optional way, a more productive way to view a failure?I believe that failure isn't really as much about failing as you might believe.I'd like you to think of failure as a success. You don't fail.You are successful at reaching an...more
How old is your mortgage? If you took out your mortgage more than a couple of years ago, it may be a good idea to consider refinancing the loan. As house prices continue to rise you may be able to get a considerably better rate. Your mortgage rate...more
Historically, the FX market was available most to major banks, multinational corporations and other participants who traded in large transaction sizes and volumes. Small-scale traders including individuals like you and I, had little access to this...more
Many of us, especially those who have found themselves in debts for the first time, will laugh off the suggestion for debt consolidation help. Where does debt consolidation help figure in the scheme of things? Not anywhere if some people are to be...more
I'm sure you know what pre-foreclosure is. But do you know buying a pre-foreclosure can actually save you up to 40% of the market value of the pre-foreclosure house? Or you are actually already thinking to buy a pre-foreclosure? Either way, you will...more
The Financial Services Authority (FSA) has been investigating the way Payment Protection Insurance is being sold by loan providers which include some of the UK's biggest banks and building societies. And it's big business. Sales of PPI as it's...more
Sometimes people won't listen to solid advice unless it directly effects them. Unfortunately, some people simply need to learn the hard way before they make more sound decisions. This can be seen almost every time suretyship makes its way to the...more