How To Rebuild Your Credit with A Prepaid Debit Card.Written by R. Sharp
Consumers today are up to their eyeballs in debt. And many people don't realize it until their good credit has been devastated. As a result, many credit repair agencies are popping up all over internet, on television and in newspapers making sweeping guarantees that they can erase your bad credit and remove bankruptcies, judgments, liens, and bad loans from your credit history - forever!
Consumers are flocking to these credit repair clinics in droves. However, estimates show that credit repair companies have defrauded consumers in United States alone out of more than fifty million dollars.
The truth of matter is that depending of extent of damage to your credit history, best strategy could be a self help strategy - not giving away hundreds or even thousands of dollars in up-front fees to an agency that in end may do nothing to restore or improve your credit.
After researching topic quite extensively, I found one great method that works well for some people is a method I call “beating credit reporting bureaus at their own game”.
I report about it in more detail on my Prepaid Debit Card Site (www.debit-card-guide.com), however, in brief, this strategy involves taking advantage of signing up for prepaid debit cards which offer a built-in credit reporting feature.
A prepaid debit card is a great solution for a lot of people because money you spend is your own and in most cases you cannot spend over amount you have in your account.
Recovering From a Failed Home Project Written by Robert Kempe
Everyone has a home project haunting them from their past. The objective was to upgrade their existing home, but it just didn’t turn out way they originally envisioned. When this happens, what do you do now? I always smile and say “Punt!” In real world we can’t punt, but we do have choices. One solution is to make it a work of modern art or more common decision is to fix problem and finish as planned.
Let’s assume you have all correct tools and are skilled on how to use them. If you are having problems using your tools, you might want to find a contractor to fix your project. So what was original problem that caused your project to fail? I can answer that in a few short words for a large majority of failed projects, lack of correct pre-planning. The really comical thought is that to discover problem on your failed project is same process as doing a proper pre-plan.
The purpose of this article is to explain a concept so we will use an extremely simple problem, however process will work on all types and sizes of projects. You just installed a new sink in your master bathroom. The color and texture and size are all correct but for some reason it just doesn’t line up with existing countertop and wobbles from end to end. Along way you must have forgotten a step or took a shortcut to have caused this. The way to fix this problem is obviously to pull sink out and figure out how to install it correctly. Before you do this, do a work breakdown structure (WBS). This is a common pre-plan task all good managers working on high dollar projects use. This is a practice that also applies to home projects and is a useful way to find your fix. A WBS is exactly as it states, your work broken down and itemized creating a structure and path to follow.
Start at top of your paper pad and state your objective. In our example we will use “Install a new sink.” Then we divide that objective into deliverables. In sink example I write; purchase sink, remove old sink, prepare countertop, and prepare plumbing. Next we have to further divide these again into assignments. Assignments are action items or tasks. The following is how I would write this using our example of new sink.