Because credit is something that is so important, but also sometimes confusing, we are going to lay everything out for you, in simple terms.
We'll also show you how to get the credit you deserve, how to make the most of your credit, and ways to improve your overall credit rating, no matter where it is now.
For years, the conventional financial wisdom was "credit cards are bad." We were told that cutting up our credit cards was the only way to free ourselves from debt-ridden indentured servitude. People needed to "live within their means," and if credit cards were ever to be used, it should be "only in the case of an emergency."
This conventional "wisdom" turned out to not only be false, but hurtful to those who listened to it. The truth is that credit cards are our friends. They are our allies in building credit. How easy do you think it is to qualify for a home loan when you've never even had a credit card? Responsible credit card usage shows potential lenders that you're able to manage your finances. What's more, an intelligent credit card user turns the interest game on it's head, and actually uses his credit cards to give himself interest-free loans.
Use Your Credit Cards To Earn Money For You
In order to get the most out of your credit cards you need to use them, and use them frequently. If you have two cards with $500 limits, you might want to nearly max them out each month. Set one card up to pay your recurring monthly bills (cable, cell phone, auto insurance, etc.), and use the other one for gas and grocery purchases. If you have cards with much higher limits, say $5,000 or $10,000, then maxing them out each month probably isn't a good idea, but you should use your credit cards to the fullest extent possible - and you should pay them in full every month.
Say you have a $90 cable bill due on the 3rd, a $110 cell phone bill on the 12th, and $150 in auto insurance premiums due on the 15th of each month. You "pay at the pump" using your credit card on the 4th, 11th, 18th, and 26th, spending a total of $165. That's a total of $515. But here's the beauty - your credit card company sends
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You will find all kinds of cultural opportunities at a university that you will not find through home studies or on the community college level. For some students, these opportunities are icing on the cake and an important part of the learning experience as you delve into other cultures, art, music, and history. Others find these opportunities to be far too plentiful and far too distracting for their study needs. Whichever student you tend to be will make a huge difference in the best situation for your learning needs.
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Another way to encourage and increase creativity, is to write your ideas down. Keep an "idea journal." If you do this regularly, you'll notice that you often start having more ideas the moment you start to write. A so-so idea may normally be forgotten, but by writing it down, you may remember it, your subconscious works on it, and it can transform into something very creative.
You can also encourage greater creativity in yourself by putting creative ideas into practice. If you paint or write, for example, try anything new. Even just driving a different route to work to see if it is quicker can help. The point is to get your mind working outside of it's regular patterns.
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The nutrition label located on each and every food item, will tell you all the information about that food. For some however, this information isn't exactly that reader friendly. Fear not, as it's actually easier than you think
Serving Size This size is based on the amount people eat. Similar food items will have similar serving sizes, thus making it easier to compare 2 foods of the same category
% Daily Value This indicates how food will fit in a 2,000 calorie diet. This will help you to understand if the food has a lot, or just a little of the important nutrients
The Middle Section The nutrients you'll find listed in the middle section are the ones that are most important to your health. This information can help you to calculate your daily limit of fat, fiber, sodium, and other nutrients.
Vitamins & Minerals The percent daily value found here is the same as the U.S. Recommended Daily Allowance for vitamins and minerals.
Now that you know what the nutrition label actually means, it'll be a lot easier to eat healthy. Eating healthy is a great thing - especially when you use the nutrition label to assist you with your food choices.
If you talk to two persons - one who has never felt love, and other who is deeply in love, you will find them talking in a very different way. If you ask a person who has never loved about what he/she felt about the other's talk, the answer will be - crazy!
Is it true? Does love drive one to madness? It may not be madness as understood by psychiatrists, but a madness of emotions. Is that right? Why does love do that? To understand this, we have to explore more about love or romance. Is it friendship? Is it physical attraction? Is it just a liking for each other? What is love and what is this relationship all about? Love combines all these and goes much beyond in bonding. Lovers are bonded to each other emotionally and totally. A lover cannot imagine a life without his/her beloved. A lover will suffer like a fish suffers without water, if he/she is separated from the beloved. Love becomes the whole life. Love gives life. Love becomes the reason of life. Life begins and ends with love. That is love. And that's why people call love mad!
How and why a lover feels like this for one's beloved is beyond any logical explanation. There is no arithmetic sum that can decide this. It is all emotional. And the emotions are so overwhelming that they engulf the whole personality. Why does a flower look lovely to all of us? Why are we attracted by the sight of a beautiful sunset? Why do we love to walk on the beach? Do we know? Can we answer these questions? Our only answer may be that - I feel happy doing it. A lover feels happy, rather so happy in love that it cannot be compared with any other happiness. One forgets one's pains, one's pleasures and one's existence when in love.
Fall in love if you still haven't and feel the madness. You will get a clue as to why true lovers are called mad.
It's Just A Joke
A lawyer runs a stop sign and gets pulled over by a sheriff. He thinks he's smarter being a big shot lawyer from New York and has a better education than a sheriff from West Virginia. The sheriff asks for license and registration. The lawyer asks, "What for?" The sheriff responds, "You didn't come to a complete stop at the stop sign." The lawyer says, "I slowed down and no one was coming." "You still didn't come to a complete stop. License and registration please," says the sheriff impatiently. The lawyer says, "If you can show me the legal difference between slow down and stop, I'll give you my license and registration and you can give me the ticket. If not, you let me go and don't give me the ticket." The sheriff says, "That sounds fair, please exit your vehicle." The lawyer steps out and the sheriff takes out his nightstick and starts beating the lawyer with it. The sheriff says, "Do you want me to stop or just slow down?"
Osteoporosis Symptoms:
What To Know About The Silent Epidemic
You will often see people with osteoporosis who have a loss of height or slumped posture. Some people with osteoporosis symptoms lose height and become stooped with a bent back which is called a dowager's hump. This occurs because the bones of the spine, the vertebrae, gradually collapse within themselves and become compressed.
When this happens, it is called a compression or crush fracture. People with osteoporosis may also break other bones, particularly the hip and wrist. Hip and wrist fractures often happen when a person with osteoporosis falls. A broken hip is especially serious because it can lead to loss of independence. It can also lead to loss of function and to serious and even life-threatening problems.
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Holistic And
Alternative Medicine
Use Magnets When Recovering
From An Injury
Studies have shown that applying magnets to an injury will help to increase the healing rate because the magnets correct the polarity of the body cells and increase the overall health of the area where they are applied. Healing will be faster, and pain will be less when you apply magnets.
Riddle Me This
Riddle: Who is that with a neck and no head, two arms and no hands?
Answer: A shirt.
Healthy Grief, Unhealthy Grief
What is the difference between those who feel their grief and move on and those who get stuck in it? The difference lies in what they believe they have lost. When people believe they have lost their source of love, their grief will feel unending.
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A Challenge Of Growing
A Bonsai
When you are growing bonsai for the first time, you will want to approach aspects like wiring with caution. When growing bonsai, the wires should be placed on the tree in such a way that it causes bending without gouging or breaking the branch. This takes a subtle amount of pressure on the branch of the tree, and consideration on how to place the wires. Wires that are placed incorrectly may permanently scar the tree, damaging the overall appearance of the tree, as well as impacting it's lifespan. When placing your wires, you should be careful not to place them too close between where the branch and the trunk meet, but not so far that it encourages the branch to break.
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