Different Priorities

So many people today have different priorities than they did a couple of generations ago. In the old days, when you had bills to pay, those were your first priority. You saved up for your vacations; they were separate and they didn’t come out of your regular paycheck. Nowadays, I’m seeing so many people who, when they see their bills piling up and they don’t have the money to pay them, they just close their eyes and ignore them,

I once heard a man say that although he and his wife were having enormous money problems he planned on using his tax refund to take his family on a vacation.

When I asked him why he didn’t use the money to pay down some of his debts he told me that bills will always be part of his life but it was more important for their family to remember having some fun times together.

I wish I could say that I only know one person who, whenever her debts are insurmountable, she goes shopping. But, the truth is that I know many people who fall into this category.

It’s as if they receive a subliminal message that tells them to rush out and buy a lot of things that they don’t need and can never repay. The sad part is that when they get their merchandise home, most of them don’t even get excited about the things they bought.

For many others it’s an addiction and it has the same draw as narcotics. It’s more than money burning a hole in their pocket. They can’t seem to help themselves; there is a compulsion to spend, spend, spend. It’s the ultimate shopaholic.

Many of these shopaholics have brand new clothing in their closets with the price tags still hanging from them. For them, it’s not about owning the clothing and planning on wearing them; it’s about the need to spend money. On anything.

Then there are the people who close their eyes to the bills and go out and party so they don’t get depressed. It’s almost as if they are expecting someone to sprinkle fairy dust over them and, in a magical moment, all their bills will be paid while they’re out partying.

Maybe some of this lack of accountability springs from the uncertain times we’re all facing with a collapsing economy, a shortage of jobs, and a world gone crazy. And maybe it’s just a case of more people having entitlement issues than ever before.

Connie H. Deutsch is an internationally known business consultant and personal advisor who has a keen understanding of human nature and is a natural problem-solver.

Inilah Cara Bagaimana Menggunakan Instagram

Setelah melakukan proses download atau unduh dan instalasi aplikasi Instagram langkah selanjutnya adalah melakukan pendaftaran atau registrasi akun Instagram di handphone yang berbasis Android.

Cara bikin account Instagram sangatlah mudah, hanya mengisi beberapa data yang diperlukan untuk mendaftar di aplikasi atau software Instagram, beberapa data yang harus diisi adalah username, password, name dan phone. Instagram tidak melakukan aktivasi daftar melalui email.

Ada dua cara sign up (register) account for Instagram Android, yaitu dengan Facebook atau Email. Dari dua cara pendaftaran tersebut, caranya hampir sama. Di sini kita akan bahas keduanya.

Berikut ini tips bagaimana cara menggunakan Instagram

Mention seperti di twitter yaitu memakai karakter @[nama pengguna lain] tanpa kurung. Bisa dilakukan pada fasilitas komentar atau juga pada image caption.
Pakailah tag atau hashtag yang umum atau populer. Mirip juga dengan hashtag di twitter, ketik karakter #[nama hashtag]. Kunjungi situs Tagstagram untuk mempermudah pengolahan hashtag populer.
Lakukan tap dua kali pada foto untuk Like (ataupun untuk Unlike suatu foto, khusus iPhone).
Percantiklah foto sebelum upload. Bisa menggunakan filter Instagram atau edit dengan aplikasi lainnya, lebih disarankan menggunakan Photoshop biar lebih berkualitas. Kualitas bagus, otomatis banyak yang me-like.
Kurangilah sifat narsis dengan mendominasi Photo Feed. Cukup posting foto-foto berkualitas dan beri caption yang baik. Jangan lakukan flood.
Berilah like dan komentar pada foto pengguna lain dengan baik, termasuk kepada follower kita yang pasti akan setia me-follow dan me-like. Bersosialisasi diperlukan agar aktifitas berInstagram lebih hidup. Disini
Kurang fair jika kita memotret menggunakan DSLR karena aplikasi Instagram disediakan untuk pengguna ponsel berkamera. Tapi penyajian kualitas gambar lebih utama di Instagram, jadi DSLR bisa lebih merajai.
Harap hormati kepemilikan hak cipta orang lain dengan tidak sharing foto milik orang lain ataupun foto kehidupan orang lain. Pihak Instagram pun tidak akan mengklaim atas semua gambar yang kita kirimkan.
Gunakanlah akun Instagram anda walaupun tidak sering, karena akun yang tidak aktif lama akan dihapus.

Top Reasons People Fail When Repairing Their Own Credit

Reasons people fail when repairing their own credit

#1. Not understanding their rights. The Federal Trade Commission has numerous laws pertaining to credit, credit scoring, credit reporting etc… Understanding these laws and in particular the individual “statues” within the laws help immensely when correcting problems with the three major credit reporting agencies. (Experian, Equifax & TransUnion) Most people simply don’t have the time or expertise to read, study and understand what can be done to improve their credit.

#2. Documenting the entire process of correcting inaccurate information on their reports. It is estimated that up to 80% of Americans credit reports have inaccurate information on them. Documenting when letters are sent and knowing the timeframe the Credit Bureaus and Creditors have to respond is very important. Also, remember to send all documents Certified Mail with a return receipt request!

#3. Being patient during the process. So many people I’ve spoken with over the years simply get exhausted with the bureaucracy of these huge entities. You must be persistent, patient and knowledgeable in your efforts.

#4. Disputing only with the Credit Bureaus. When challenging inaccurate, wrongful or obsolete information on your credit reports it increases your results if you go after the creditors both original and whoever may have the information at this time. As you probably know, “bad debt” is sold many times and thus the same negative information can be reported by multiple organizations!

These are just a few of the reasons people get frustrated and give up in trying to improve their credit. Follow these simple rules and begin the first step in proactively addressing your credit issues and you’ll be well on your way to an eventual “A” Credit Rating!

Unfortunately we have not spoken about possibly the biggest factor: Procrastination! This is due to many things for people such as not knowing where to start. How to address the “big three”, Equifax, Experian and TransUnion But also what about the original creditors! Knowing which to go after and more so how to go after each of these entities is paramount in regard to your success rate!

How to Apply for a Credit Card With No Credit History

Money which can be used to buy anything we want, yet which we do not hold, feel and count in our hands. Money which can both save our lives and destroy it. Money is a necessity and our entire life revolves around it, right from figuring out means of earning it to how to spend it and our efforts to save it for a better future.

The modern concept of money doesn’t involve its physical presence, but rather presents itself in the form of a card, a magical card which can instantly make wishes come true. The Credit Card has revolutionised money, transcending physical boundaries and opening up multiple new avenues. There are cases where the only item we need is our credit card and the prospect of carrying money has changed drastically.

Who are the people with no credit history?

Credit History is associated with everyone who has used a credit card for any purchase. The people with no credit history are mostly students and new immigrants in a country, who have never taken out loans. In the case of card applications, an individual with bad credit history has a better chance of getting a credit card than a person without any credit history. There are however avenues to get a credit card with no credit history.

Individuals who wish to apply for credit cards without any history can choose from some of the options below, which can significantly improve their chances of getting that elusive cards.

Student Card – Most major banks and financial institutions offer exclusive student cards targeted towards the student community. These cards do not require an applicant to have previous credit history and can be obtained if the individual meets certain criteria. Having a job can make it easier to get the card approved and banks prefer to hand out this card to those who have a source of income.

Pre-qualification Test- Certain banks allow individuals with no credit history to take a pre-qualification test online. This test lets them know if they can get a card approved and the reasons why the card was denied, if it is rejected. This information could help one prepare better the next time they apply for a card.

Store Credit Card – Certain nations have the concept of store credit cards, which are easier to get and do not need any credit history. These cards have low credit limit and high interest rates and generally have cards which are not Visa or MasterCard approved.

Prepaid Cards – Individuals with no credit history but with disposable income at hand can apply for prepaid cards. These cards are as good as normal credit cards but the credit ceiling is limited to the prepaid amount. There is no fear of exceeding credit limits or late fees with these cards.

Co-signed cards – Banks offer co-signed cards for people with no credit history. These cards require someone with decent credit to co-sign for you, with their financial backing increasing your chance of approval. Co-signed cards can be a smart move if you have someone who trusts you and is willing to sign on your behalf, though they also allow your financial transactions to be viewed by the co-signee.

Secured Credit Card – Secured cards are similar to normal credit cards in most aspects, except the fact that one needs to make a security deposit in order to be eligible for a credit limit. Individuals without credit history can choose this card if they have suitable security deposits with them, which will essentially guarantee them the credit card.

Applying for credit cards without any history can be a tedious and long drawn affair but one has to remember that applying with any and all banks is not a smart thing to do. Rejection is a part of this process and one has to be smart enough to choose the alternative cards mentioned above in case of rejection. Getting any of these cards approved is likely good enough to get an individual a credit history, making it easier for them to get better credit options in the future.

How to Get a Car Loan When You Are New to America?

Born abroad but now living in America? One thing is common for all immigrants: you cannot remain unaffected by the car culture of America. The car is the dominant mode of transportation in America. You need it to go places. And, a car loan is the only mode for obtaining an automobile.

Why is a Car Loan compulsory for buying a Car in America?

It is not compulsory for making a car purchase in the country. But, it has become a norm because of the following reasons:

>> High Cost of Automobiles

>> Lower Buying Capacity of Car Buyers

>> Easy Loan Approval by Lenders

>> Easy Way of Building Credit

Buying a car with the help of a car loan is very common in the country. People opt for a car loan even when they have the required amount of money because they do not want to part with their savings. Also, it helps them in building a credit score that is required to make a big purchase such as a home.

How to obtain a Car Loan when you are New to the Country?

If you are a new immigrant and want to obtain a car loan, you will have to provide valid proof of your identity. Lenders require your SSN (Social Security Number) for the purpose of identity verification. The SSN is issued to the following people:

>> Natural Born U.S. Citizens

>> Naturalized U.S. Citizens

>> Legal Permanent Residents

>> Temporary (Working) Residents under section 205(c)(2) of the Social Security Act

If you have a valid SSN, obtaining a loan will become effortless for you. Simply provide your SSN details along with the following information for obtaining loan approval:

>> Employment Information

>> Income Details

>> Residential Information

>> Information related to other Debts and Utility Bills

How to obtain a Car Loan without a Valid SSN?

If you are a new immigrant and have not received a valid SSN from the Social Security Administration, do not worry. You can obtain a car loan. Choose a lender who doesn’t demand SSN, instead accepts any of the following documents for the purpose of identity verification:

>> TIN (Taxpayer Identification Number) issued by Internal Revenue Service

>> Foreign Driver’s License

>> Foreign-Issued Passport

>> U.S. Government-Issued ID

Search for a lender who doesn’t require SSN and apply with him/her. You can make use of the internet and make your loan search comfortable.

While searching online, make sure that you choose a reliable and reputed website. It will save you from identity frauds.