Credit In The Modern WorldWritten by T.B. Collins
Credit is in every avenue of modern day world, you can not make a major purchase without use of credit this includes a auto or a home purchases. But, many consumers are unaware of how their credit stands, and are usually surprised when applying for a credit card and they are rejected. This is commonly due to negative entries on their credit report, or out-of-date information that does not match information supplied on credit application. Because of this credit report has become mainstay of judging a consumers ability to repay a debt, and credit report is based on past payment history of consumer.Credit is not a new financial purchasing method, it has been around for a long time, but it wasn’t until early forties that it became a means of payment available to everyday consumer. With advent of bankcard, a card that represented issuing institution that was distributed by major banks is reason credit became a major business; these bankcards later became known as credit cards. The banks would issue these cards to their clients as an alternative to carrying large amounts of cash, and it was commonly accepted only by merchants that used same bank as client that card was issued to. One of most common misconceptions is that Visa and MasterCard are banking institutions, these companies are not banks they simply saw an opportunity to use services banks provided to earn an income. They took bankcard principle and expanded to include merchants that were not affiliated with bank and convinced them to accept their card for a discount of purchase price, and they would take risk of collecting debt. By putting their name and reputation on line they built a business taking reporting agencies.
| | The New First Impression in Home SellingWritten by Amie L. Walton
As an ASP Home Stager® I know how important curb appeal can be in making that critical first impression when selling your home. However, with growth of real estate advertising over web, there is another first impression that you should consider when marketing your property. Web impression. Does your property have a great one? Over past few months I have spoken with realtors and home sellers who have all been saying same thing. "The listing is getting a lot of web traffic but there hasn't been much buyer interest". They say this without even realizing that they have just contradicted themselves. The web traffic that listing is receiving actually is buyer interest. If number of home showings isn't as high as expected compared to web traffic received, there must be something from web listing that is turning buyer off. It could be price. It could be location. But it may also be that pictures of property have given a poor web impression. I hesitate in using saying "a picture is worth a thousand words" but it is. It is also worth something else, in this case. Buyer interest. I've suggested it to realtors and home sellers that I spoke of earlier and I'll suggest it to you, now. If photos of your house, which are out there for all to see, are not showing your property at its best, you should re-shoot. Make sure rooms are dressed and gleaming and then simply re-shoot.
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