How to get good post-bankruptcy credit

After bankruptcy, the first thing to do is repair your credit. Without a proper credit record, you could be branded an untouchable by financial institutions and banks.

If and when you get any credit after the bankruptcy, you should be doubly careful that you do not default on any payments or else you will never come out from under the shadow of bad credit.

Keep records of your spending. The positive part of keeping accounts is that it is easy to use them to establish that things are moving on the right path.

A credit card or store card is the easiest way to improve your credit score. Keep a close track on the repayment schedule.

In case you need a loan, ensure that you do not repeat the mistakes you committed in the past that resulted in your bankruptcy.

If and when you get any sort of credit, ensure that you calculate very carefully how much the repayment installments are and how can you repay them. Any slight delay in payments could be taken very seriously by the lending companies.

Special classes are held by non-profit organisations and even debt management program providers. The programs are helpful when you have no money, a bankruptcy behind you, and you need to learn how to hold and manage extra cash. Money management is a useful skill, and not just in regard to money. It helps your self-discipline generally.

You will then find, when visiting your counsellor, that the love of easy money is the root cause of most of your problems.

What Do Bankrupt People Do When They Need A Loan?

When you file for bankruptcy and this motion is discharged, it means that the outstanding debts have been paid as per the bankruptcy rules. It will take two years for a person who was declared bankrupt to start with his normal life again.

It is possible to avail of a loan even before your lock-in period is over; however, it is quite hard to achieve this. One thing that could help you here is your post-bankruptcy credit report. If it is flawless, then you might have a chance to be considered for the loan. Besides, you would need to make a large deposit of 3-5% of the total loan amount.

The deposit can be met with a loan from friends and relatives; however, you would need to keep proof of every penny gathered, as the lender would need to see and accept the sources of your income. While it is acceptable to borrow for the deposit, the lender would not accept your application if your day-to-day income comes in this manner. You would need to have a job, which pays you sufficient to support yourself and repay the loan at the same time.

Another way to raise money for the deposit would be through online (and offline) grants. Run a search on the Internet and find out about this aspect. There are plenty of grants available on and off the Net, which could help you in this period of your life. The only thing is to get the right one.

The third pre-requisite that a lender would need is proof of your regular and sufficient income. Here, you will need to keep in mind that loans from relatives are not really an acceptable source of income.

If you manage to stay afloat for two years after the bankruptcy, then it will be easier for you to apply and get the loan you need. It remains for you to re-build your credit record and make the best of your future. It is also a good idea to save something out of your income every month so bankruptcy never happens to you again.

A step by step guide to thermal binding

The purpose of this article is to guide you on how to properly bind a document using a thermal binding machine. If you have access to 5 or 6 thermal binding covers, follow through these binding instructions. If not, read through the material and try binding some documents later.

After ensuring that your machine is plugged in and turned on select a smaller thermal binding cover i. e. 1/16", 1/8" or 1/4" and the approximate amount of paper needed to fit into the cover. In normal use, the operator will have a document of "x" number of sheets, which will then determine the proper size of thermal cover to use. The easiest way to do this is to place the paper, indexes, etc. to be bound flat on a table and measure the thickness of the stack with a ruler. Choose a cover that meets that measurement. i. e. if you have a 1/4" stack of paper, you would use a 1/4" thermal binding cover. If you are in between sizes, go to the next largest size.

1. To reduce static electricity that builds up between sheets run off a copier, the paper to be bound needs to be fanned. Take a stack of paper, and practice fanning using the following technique:

- Grasp the sheets on both sides, holding them fairly loose.

- Bend the sheets as in the following diagram. While bent, exert pressure on the paper with your thumbs and fingers to gain a firm grip where the sheets cannot move.

- While maintaining pressure on the sheets, straighten out the stack of paper. This will bow the sheets so that there is air space between sheets. After air has been allowed into the sheets, release your grasp on the sheets as you jog them onto a flat, level surface. This is called fanning the paper. It is usually not necessary unless the paper has just come off a copier, where the pages contain a large amount of static electricity.

- Remember, it is the binding edge of the sheets which must be evenly jogged for a secure bind.

2. Place the thermal binding cover in your left hand (if you are right handed), and allow it to slightly fall open to create what looks like a wide V. Insert the fanned sheets into your scored thermal binding cover (make sure that you grasp the sheets tightly to maintain the uniform jogged edge). The sheets should be centered within the cover and placed on the adhesive backbone. Close the cover around the sheets. The first and last sheets should not stick up higher than the other pages. If you have uneven pages, take all the sheets out of the cover, rejog them and insert them back into the cover.

3. Next, place the document (spine side down) so the edge of the thermal cover is at the right hand side of the binding slot. The binding machine should automatically start and depending on the size of your document should determine the length of the bind time.

4. When you remove the bound document, tap the backbone on the table to help set the adhesive, and set the document(s) on the cooling stand to maintain the square backbone during curing. Make sure the document(s) are placed squarely on the cooling stand so that the backbone remains square during the curing process. This will provide the most professional looking finished product.

5. The document must cool before it can be used. It should remain on the stand for 3 to 5 minues. This time period varies depending on the thickness of the thermal binding cover. Obviously, a 1/16" thick document will cool faster than a 2" document. Ultimately, any thermal cover, regardless of size, will have reached full binding strength once the backbone is cool to the touch (approximately 15 minutes).

Challenges of esl teaching

"Let us take this example - Your application has been selected for an ESL Job. Landing one of the ESL Jobs in Korea has always been a dream for you. Ever since you have been selected for this job, you are over the moon and already celebrating the success of your career. If you are going to prune into your ESL Job without any prior preparation, you are bound to head for trouble.

ESL Teaching Challenges

One of the big aspects of consideration for you would be the challenges you are expected to face in your ESL Job. Sitting at home, it could be very easy for you to estimate the ease of the task. When you set your first foot on the soil of your profession, you would realize the problems that lay in store for you. This is where an ESL Job is very frightening. Here’s a drill down on the kind of challenges faced by a qualified teacher in an ESL Job:

People – The biggest success factors for an ESL Job would be on how you adapt to the people over there. Assuming that you would be leaving your country and teaching people from the other country English, you would need to adjust to the country’s people. More than that, the adjustment to people’s mindset has been the biggest challenge for an ESL Job.

Use of Technology – People residing in these countries use technology but from their perspective. You may be right in using technology for educating them, but at the end of the day it may not be perceived too well by the people in that country. Hence, your use of technology should be tailored to their use of technology for you to get any tangible benefit out of your ESL Job. For example, ESL Jobs Korea is a prime example towards this aspect.

Korea is one of the technologically advanced countries producing high quality technology goods. Take a look at their instructions manual for any product manufactured in Korea. You would not be able to find a single word in English. The biggest drawback is – People are accustomed to seeing the Korean language and any new language infused into them would not be met kindly.

Learn their language – One of the aspects of an ESL Job is to learn the language of the audience that you are targeting. This may not be a tough job when you teach locally in your country as you would be able to learn the dialect of the provinces. For ESL Jobs Korea, try learning the Korean Dialect. I bet you would spend at least 1000 hours doing so. At the end of the day, if you wish to ask people to communicate with you in English, you must still be able to get the message across to the audience.

Learning to cope with ESL Challenges is one of the prime aspects of any ESL Job. Please note that depending on the country where you get an ESL Job, the set of challenges would be widely different. The key is for you to adapt well to the challenges."

Tips to apply online for a credit card

There are many things that you can do in the internet. Using the internet technology, you can easily do your homework, make long distance calls, find a job, make business and do your own shopping. Even applying for a credit card can be done online. The possibilities and opportunities are endless. All you need to do is to make use of them.

Applying online for a credit card is definitely a good alternative for people to enjoy the convenience provided by the technology. With this option, you need not take out your car to go to different banks and offices to apply and get a credit card. This will surely save you your gas money. It can also save you a huge amount of time as you need not wait in long queues with other applicants.

You will find out that applying online for a credit card is definitely hassle-free. All you need to do is fill out the application form and comply with the requirements. Once your application is completely submitted, you just have to wait for a few days and you can have that credit card you applied for delivered straight to the door of your home. There is also the hotline number that you can call to get the status of your application.

How to Apply Online for a Credit Card

The first thing to keep in mind when you explore the internet for your application is to do a proper search. It is not enough that you seek a web site. You must specifically aim for credit card companies that have good reputation. It must be reliable enough to make the offer of online application for the credit card a possible feat.

These credit card companies have made the option available online because of the huge amount of people seeking to get hold of their own credit cards. The application process can be challenging when done in the offices. The demand can be very big that small offices will have difficulty. This is why this option to apply online for a credit card has been developed.

Applying online is also simple. You just have to be prepared to give out your basic data like your birth date, social security number and the address of your residence. These are the basic requirements that you will meet in most online credit card companies. Some of them will further require other information like disclosing the income level and the housing conditions. Others will even want a certain employment status before approving the application.

Be sure to also choose the type of credit card when making your application online. Seek those that will give low interest rates and reasonable annual fees. You may be attracted also by rewards granted at the end of your use and get some cash rebates.

Of course, the internet is also susceptible to some dangers. You do not want to be a victim of theft online. With the information you will disclose, other users may get hold of them for their own use. To secure your self from these dangers, make sure you have good anti-spy and anti-virus software installed in your computer before you make an application online.

Conclusion

Applying online for a credit card is not difficult. You just have to know what you are looking for to get the best deal for your credit card application.

What is a tea of the month club

As consumers become more familiar with the wonderful world of loose leaf tea, a unique program has been developed by tea suppliers that offer the full breadth of tea product options

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A Tea of the Month Club is the perfect way to sample a variety of teas for yourself or for a gift. A tea selection will be made each month for the consumer and will be sent to your door. The selections are often made from high quality white, black, oolong, green and flavored teas.

Some tea suppliers offer Tea of The Month Club gift cards and these are also unique and ideal gift items particularly at holiday time.

An Example of a Tea of The Month Club

A sample Tea of the Month program schedule may include the following teas:

Month 1: Coconut Pouchong

Month 2: Vanilla Jasmine

Month 3: Moroccan Mint

Month 4: Sinharaja

Month 5: Tippy Earl Grey

Month 6: Temple of Heaven Gunpowder

Month 7: Honey Pear

Month 8: French Breakfast

Month 9: Kashmiri Chai

Month 10: Organic Green Tea

Month 11: Rose

Month 12: White Persian Melon

Each month a fresh selection of tea will be delivered and the consumer can develop their best choices of a broad range of teas. There is no better way to be introduced to the world of tea.

How Long Does the Tea of The Month Club Last?

Often, the consumer has the option to choose a six month or twelve month club. A small number of loose leaf tea suppliers also offer longer subscriptions.

Some suppliers provide the option of recurring subscriptions. For those wishing a longer subscription, the consumer can simply choose the twelve month option and choose the Auto Recurring option in the shopping cart and the club will automatically renew allowing uninterrupted service until the choice is made to cancel the program.

The Importance of Fast and Accurate Delivery

Because a Tea of the Month Club is essentially a subscription service, look for a supplier who has thought through the mechanics of automatic delivery of different types of tea.

Since most Tea of The Month Clubs are e-commerce (web) based, chose a supplier that offers a number of choices on an easy to use e-commerce site and provides fast, accurate delivery using a reliable delivery service.

Packaging is Important

Packaging is an important consideration when choosing a Tea of The Month Club. The best suppliers offer attractive, re-sealable packaging and ship products using high quality, safe packaging materials.

Cheap packing materials like shredded newspaper containing harmful inks and other substances should be avoided for health reasons,

Re-sealable packaging ensures freshness for a long period and safe packaging protects small children and pets from harm.

It Is All About Tea Quality

A Tea of the Month Club subscription is a wonderful way to explore the world of high quality loose leaf tea but no matter how convenient the club is, the quality of the tea is paramount in ensuring a truly great tea experience. Choose a supplier with a reputation for providing a quality product with a commitment to a culture of quality.

Some suppliers cup individual shipments to ensure quality and solicit feedback from their customers through interactive features on their websites. These suppliers consider the needs of their customer base as top priority.

A Tea of The Moth Club subscription can be an ideal way to learn about the wonderful world of loose leaf tea but be sure to choose a supplier with a reputation for providing customer satisfaction.

Basic russian terms for your trip to russia

If you are planning a trip to Russia, you need to make an effort to prepare yourself. Practicing drinking vodka is a good start, but you will need to know some basic Russian terms.

Basic Russian Terms for Your Trip To Russia

Russia is a unique and amazing country. Having lived there for a year, I can tell you it is like nothing you will experience in Europe or anywhere else. The culture is entirely different as is the language. The language, in particular, is the first hurdle you will face.

The Russian language is based on the Cyrillic Alphabet. From the sound of individual letters to their combined essence, everything is different than what you are used to. If you try to wing it, you are going to be in for big trouble. To help you out, here are some basic words and phrases you should know.

The first phrase I mastered while in Russia was “ya ne gavaru puruski.” This phonetic mess can be translated to “I don’t speak Russian.” Trust me, you should learn this. I became so good at ripping it off that many people thought I actually spoke Russian, but was just being a jerk!

“Privyet” is probably a familiar word. It means hello or hi and is common greeting. The phrase is pronounced easy at the beginning and hard at the end – privYET. That being said, I mumble constantly and nobody seemed to object to just about any pronunciation.

“Tak” is a word used to buy time or give the impression you are thinking deeply. A Russian will often pause and say tak…tak…tak and then respond. It is the equivalent of hmmm in the English language. You can use it to sound intellectual or during negotiations over a purchase.

“Nuzhnik” is one of those important phrases. It is an informal term used when trying to find a toilet. Keep in mind this is very informal, as in “where is the can?” I don’t know why, but it just stuck in my mind.

Obviously, there are a few zillion different phrases of Russian you will need at some point in your trip. At least now you can you say, “Hi. I don’t speak Russian…hmmm…I need to find the can!

Dieting-by-weight-loss-surgery

Dieting by Weight Loss Surgery

Those who are what is considered morbidly obese have few options when it comes to losing weight when time is of the essence. Many have bounced from one diet to the next for the vast majority of their lives only to find failure after failure and a growing sense of hopelessness and helplessness.

One common misconception when it comes to the morbidly obese is that they did it to themselves and if they didn't want to be overweight they wouldn't be. While this is nice in theory it isn't always true in practice. There are certain medical conditions that can result in a person being unable to control the weigh they gain. There are also environmental issues that can affect the weight of a person as well. It's ironic that in many cases alcoholics and drug addicts are treated and viewed with greater compassion than someone who is obese.

The surgery itself is major surgery and not an option that should be taken lightly and without a great deal of thought. Most people find that weight loss surgery involves a major change in lifestyle before and after as well as an entirely new way of eating that is a lifelong commitment. Because of the life altering changes that result from this surgery it is recommended that those receiving the surgery have a BMI that is greater than 40. This means that it is recommended for men who are greater than 100 pounds overweight and women who overweight by 80 or more pounds.

You should carefully weigh the benefits and the risks of a surgery such as this before deciding that this is the course of action you need to take. The risks are great with this surgery and should not be overlooked in desperation to shed the weight you've wanted to shed for so long. Nutritional deficiencies occur in almost 20% of those who have received this sort of surgery as the result of insufficient nutrients. This can lead to osteoporosis and other conditions as you age. Complications can result from the surgery itself. You can have lifelong issues when consuming too much or the wrong sorts of foods, and there are some who achieve their goals only to find that the weight comes back in time. As with anything in life there are no guarantees when it comes to weight loss surgery.

In order to determine whether or not this surgery will be beneficial to you, you may want to ask yourself the following questions.

Is my weight significantly hampering day-to-day activities?

Is my weight causing other secondary conditions that may be harmful to my health?

Is my weight something I honestly feel I can take control of on my own?

Can I commit to the lifelong consequences and follow up that will be required?

The problem with most people who find the need to resort to weight loss surgery is that they cannot take control of their bodies back. The odds of a good candidate for weight loss surgery losing the weight of his or her own design are very slim as he or she has most likely tried and failed every diet in the books.

Only you can determine whether or not weight loss surgery is a viable option for your weight loss needs. If you decide that this is something you are interested in learning more about, be sure to discuss the possible consequences thoroughly with your physician.

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