No Credit? Here Are Easy Ways You Can Build Credit

Are you someone who has not established credit yet? Are you denied the same access to credit cards, loans and other credit ways simply because your credit score is too low from not having enough credit or no credit at all. Do not fret, because help is on the way!

If you are planning on getting a personal loan, owning a car, having a home of your own, working in a bank or finally acquiring the furniture you've been longing for a long time then establishing a credit is the answer.

Here are a few ways you can start building up your credit report and get on the road to good credit!

– Start to apply for a guaranteed approval credit card that reports to the credit bureaus. Take your time and always read the fine print in order for you to find the best deal for yourself. These cards are similar to debit cards but they have the Visa or Mastercard logo on them and they report to the credit bureaus.

– Another option might be to check if the lending institution of your choice has a secured credit card being offered. The interest may be higher but you may be able to upgrade to an unsecured card within 12 months if you maintain your payments on time.

– Another type of credit card with easy approval requirements is the merchandise credit cards and department store credit cards. These are an excellent source to start to establish a line of credit. Make sure it's a store where you can purchase a lot of your shopping needs. This way, you do not need to apply for a multiple cards at once which can be seen as a negative on your credit report. One word of caution. Department store credit cards tend to have high interest rates, many of their interest rates start at 15%. So keep an eye on your balance and try to pay as much as you can each month. NEVER make just the minimum payment, especially on a department store credit card.

– Do not forget to fill up any application for a loan or credit card completely. If something does not apply put N / A on that line. Including your checking and savings accounts and any accounts you pay for on a monthly basis even if they do not appear on your credit report. If they do not appear on your credit report, please make sure you include a way for your prospective lender to contact them for a trade reference.

If you are thinking about applying for a car loan, it's good to do research on the dealership or car lot where you want to make the purchase. Most dealers will provide a source of financing. Some may carry their own loan and payment plans. Be on the lookout though and read contract carefully if you do not want to get stuck with an interest rate that is through the roof. This venture is where a good cosigner may come into play.

Use these tips to help jumpstart your credit history and get approved for the credit that you deserve!

Copyright (c) 2006 Liz Roberts

Investing in an Apartment Building

One of the most important decisions we will all make is to choose where to live. While some people would rather own their own property, others prefer to rent. However, there are also people who both rent and own their properties at the same time. They live in the apartment building they manage and rent out the rest of the apartments. Finding the best place to live in is a serious task which requires proper research and background information.

What is the latest in hip are renovated farmhouses which have been separated into many apartments. This way the residence might look like a big old house from the outside as it has one main entrance but from the inside you can see that the house is split into separate apartments. From my point of view investing in buying a renovated house is a great business decision. Usually the mortgage is cheap so consider taking one in order to realize this great business plan. Not only will you be able to pay back the mortgage but you will also make a profit from the income you will receive monthly from the renters.

A more traditional apartment building is a large square one with long hallways on each floor and many identical apartments. Some people consider living in such a building an adventure but a risky one. The traditional apartment building has three stories and from fifteen to thirty apartments. Of course, living on any level has its own pros and cons. In case you live in a lower level apartment you will hear your upstairs neighbor's footsteps. If your neighbors have above kids then it could get quite noisy. Thus, it might be better to live in the upper level of a building, though you will have to climb stairs or take an elevator to get to your home. The worst case scenario is to live in a middle apartment in a large apartment building as not only will you have noise from above and below but you will also have to climb the stairs or use lift, as well.

You should not get confused or worried when it comes to choosing the right place to live. You can find the right apartment building which will be comfortable and inexpensive if you do a meticulous research and get some background information.

Does Chinese Medicine Stand Up To Scientific Scrutiny?

If Chinese medicine interests you, yet you are not certain of its potential, you may well explore the distinctive investigation investigation that has aided many to arrive at agreements as regards to its functionality. Chinese treatment processes are presumed by many to be extremely accomplished, frequently giving rehabilitate effectiveness where the finest studies of Western medication fail, above all with everyday sickness similar to flu and allergies, and able to steer clear of the toxicity of a number of chemically encompassing remedies.

Leaving besides that Chinese medicine has been used as an effective concept for thousands of years, the establishment of modern medicine continues to contend if this is a discerning approach to help with treatment. Although most medical examiners of Western treatment would not believe unreasonable allegations that qigong supports wellbeing by encouraging contentment, that neurotransmitters that soothe pain are created by acupuncture, or that vital biochemical agents are contained within Chinese herbal medicines.

The most contentious science between western and Chinese medicine is the value perceived, as a medication, of acupuncture. It is in general believed to be secure from results achieved through medical research. At this joke no comprehensive resolutions, as regards to whether acupuncture can be contemplated a science, have resolved from the searching studies. Similarly, investigations signify that the principle of meridians, as used in acupuncture, is effective in treatment. Further observations by scientists have realized that because the remedy is undamaging, it may be practiced, and only needs to have additional studies relating to it. Moreover fact-finding is probable to reveal more sectors where the practice of acupuncture would be advantageous.

A further question that has been examined is the use of herbal drugs that are used according to traditional Chinese medicine procedures. While all have not been studied, pharmaceutical treatments that are assigned to patients do make use of contrasting components of the herbs. Artemisinin, wormwood and ephedra, and are some samples of ancient remedies that have been incorporated into Western practice from Chinese models.

Chinese herbal medication includes immeasurable combinations which are undeveloped by modern medicine. There is a remarkable intrigue in these combines between the theories which Chinese treatment practitioners value to establish which compound to designate. Accepting the historical progress of Chinese materia medica, it is likely that, whereas herbs were firstly selected on erroneous foundations, only those that essentially proved efficient have survived in use.

One agreement that all Western fact-finding shows, with the different concepts of Chinese treatment, are how safe the treatments are. Nearly all of the research of Chinese medicine illustrates that, notwithstanding the medicines are not authenticated within the scientific community, they are yet to be found damaging to one's health and side effects are few. As this is a confirmed joke to the holistic procedures, most scientists will validate that it is just a lack of analysis of the medicine employed in Chinese philosophies.

From the philosophy to the practice, Chinese medicine is a contentious approach in Western society. There has been an increase in interpreting the practices of Chinese medicine, that have been adopted and established over time. Using the countless methods of Chinese treatment, for the individuals who are searching for alternative medicine, Chinese medicine keeps it's increasing reputation in Western society.

Russia Number One In Weapons Export

The report "Weapons supplies to developing countries 1998-2005" published by the research service of the USA Congress contains data claiming that last year Russia became number one in weapons export to developing countries with the total sum of contracts contracts adjusted to 7.1 billion dollars. According to this document, excerpts from which were published with comments in The New York Times, Moscow beat Washington, which took the third position with its 6.2 billion dollars contracts. The second position belongs to France: it sold weapons on 6.3 billion dollars, according to the US Congress.

However, several facts of the "sensational" document cause serious doubts. First of all, data provided by the US Congress do not gee with the information spread in the beginning of the year by the federal commission of military-technical cooperation of Russia where the volume of Russian weapons export in 2005 was estimated 6.126 billion dollars. The sum can be considered record as in recent years Russian exporters could hardly reach the verge of 5 billion dollars. It seems logical to be interested in clarification of the 1 billion difference in the Congress and the Federal commission data.

Washington did not beat about the bush to find an explanation of the difference mentioned above: their comments indicated the fact that they also included Russian export of several land anti-aircraft defense systems (zenith-missile complex TOR-M1) to Iran. At the same time the report did not emphasize the fact whether Moscow had already supplied the systems to Teheran or not. It only informed that the affair cost 700 thousand dollars and that apart from zenith-missile complex Russia had also sold 8 air tankers to Iran. Ides, Washington included Russian help concerning Teheran's military equipment modernization into the volume of Russian supplies to Iran. In two words, Russia became "champion in weapons export" through not only India and China, but also Iran.

And this is the second point that causes hesitations about objectivity and relativity of the analysis held by the research service of the Congress. Warlike equipment and arms export has always been quite a politically loaded issue. While marking Russian success in weapons trade the US report distinctly observations upon their backsliding from leading positions in this chart. Interestingly, this happens straight ahead to the Congress elections. The report claims that the States have lost a significant share of the weapons market since 2004. That year the US did 9.4 billion dollars on weapons trade while Russia did only 5.4, and now Russia is one billion dollars ahead. The conclusion which is likely to get into many people of electional age minds is quite predictable: to vote for democrats who can bring back our leadership in weapons trade which means new jobs, new earnings …

It is necessary to mention that weapons export matters in the States are not on the decline. In 2005 the US income from weapons trade was inconsiderably smaller than in 2004, coupled, Russian achievements in this sphere do not look that impressive in comparison with just one of the US contracts – 7 billion dollars contract with Turkey. Moreover, the US also provides NATO countries with weapons as well, while the mentioned market zone is deadly closed for Russian weapons suppliers.

The General assembly of NATO has recently made a decision to organize a special group to work out new international regulations concerning weapons trade and export. Experts hope that after the regulations come into force data on the achievements in this sphere will be more truthful and reliable.

Source:

http://www.rian.ru

Translation: Lavrentyeva Natalya