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April 2016
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CategoriesImagine waking up every morning without the burden of financial hardship or a poor credit situation.
As you sip on your morning coffee, you’d be relaxed knowing that if you were faced with an emergency, you could get your hands on the money you needed.
Trouble is, according to CNN Money 76% of Americans life paycheck to paycheck – which is why having a credit history is so critically important.
If you have decided to repair your credit rating, you’ve made a wise decision.
Bear in mind, it will take a bit of time and persistence to get yourself back on track – however the peace of mind you’ll gain will be well worth the effort.
Here are a few tips to get you started:
1. Find a Reputable Credit Counselor to Help You:
Credit repair can be a complicated process. Professional counselors can give you the advice you need, and help you create a repair plan that is best suited for your unique situation. Look for companies that provide a money back warranty, full customer support, as well as 24/7 online access to a portal that tracks your credit repair process.
2. Avoid Companies That Use Templates and Form Letters:
Credit bureaus receive hundred if not thousands of dispute letters every day. To manage this volume, they rely on an automated letter sorter that earmarks form letters and marks them with a lower priority. Select a company willing to customize your letter so you get faster, more efficient results.
3. Start Building a Good History of New Credit Accounts:
An effective strategy to boost your credit score is to open new lines of credit. New credit accounts will impact your credit score by as much as 30%. It’s best to select a company with a close connection to creditors. That way it will be easier for you to gain approval for new credit accounts even if you have a low credit score or poor credit history.
4. Become Knowledgeable About the Way Credit Works:
Credit repair can be a long and tedious process. It’s best to deal with a company who is willing to explain and educate you about the credit process. The more knowledge you have the easier it will be to avoid the same credit pitfalls in the future. Select credit repair companies with a high rate of success: Far too many credit repair companies simply send out form letters and take your money.
5. Ask For a Professional Contract:
Legitimate credit repair companies will provide you with an agreement or contract.
Be sure that your contract covers all of the information that you have been told verbally. Take the time to read all of the fine print, and don’t move forward unless the terms of the agreement are clearly stated in writing. When interviewing companies remember to ask them about their “deletion rate.” The deletion rate is the percentage of negative accounts that are typically removed from a client’s profile. It will give you a good idea as to how effective their methods are.
6. Make sure electronic payments are available to track your investment:
Never pay with cash or deposit service fees into an account. Professional companies create a paper trail. They will accept credit cards or online payments that can be verified after the fact. You don’t necessarily have to meet face to face because most credit repair companies are set up to handle business virtually, but make sure that the company you deal with doesn’t ask you for unusual requests.
In a nutshell, there are several credit repair companies to choose from, some are good, some are not. It’s always in your best interest to review their credentials and verify their success.
Some individuals are spending hours on the telephone daily, speaking to creditors and lawyers and even more lenders, all in an attempt to break clear of those bad credit score chains that bind us up while keeping us from enjoying life. Bad credit can weigh on the shoulders until it’s looked after, so let’s go ahead and take steps to mend that score completely. Look into government backed loans should you not hold the credit that is required to look the regular route by way of a bank or credit union. They can be a major aid in house owners that are searching for an additional chance when they had trouble by using a previous mortgage or loan. Have a copy of your credit score at regular intervals, and maintain a careful look for agencies to report your repair efforts. If you are clearing negative issues on your credit history, monitoring your report allows you to verify that agencies are correctly administering facts about your status and this additional negative reports will not be being made.
Make your visa or MasterCard balances low. Possessing a high credit limit on the card can appear like you’ve won the lottery, but using that entire limit will reduce your score. Keep balances with a 50% maximum. 30% is a lot more of a prime target. And you don’t need every dollar that has been extended to you, in this way you happen to be showing that you could handle your credit well. When attempting to repair your credit, will not be enticed by the scams that explain to you they will enable you to produce a new credit file. Developing a new credit file is actually fraud if you opt to follow through. Should you create a new credit file, because it is fraud, you are able to face legal repercussions. By maintaining a favorable credit ranking, you might be able to reduce interest levels. This helps decrease your monthly payments, and help you pay them off quicker. Asking for a much better deal through your debtors may help you get out of debt and to achieving an improved credit score.
Be suspicious of collection agencies that try and talk over you together with is not going to answer the questions you have. Agencies that happen to be scams will try to keep you off balance by continuously talking without providing you with any facts. Should they aren’t answering your concerns and are threatening you, let them know to get hold of you merely in writing. Find a very good quality help guide use and it will be possible to correct your credit all by yourself.
These are typically available all over the net along with the information that these particular provide plus a copy of your credit score, you will probably be capable of repair your credit. Now you know a thing or two on how to repair that bad credit score, it’s time for you to put the tips into action and begin living a poor-credit-free life. Make sure to invest some time and also to examine each of the angles. You must keep plugging away at it until it’s resolved, though not all word of advice you read relevant to credit will instantly do the job.
Nobody expects to find 10 inches of water in the living room. Did you know that floods are the number one natural disaster in the United States? Unfortunately, it can happen to anyone, and the best thing you can do to protect your family and home is to be prepared. Read on to find out some things you can do before this natural disaster strikes.
Plan Ahead
-Buy flood insurance: Believe it or not, a regular home insurance does not cover water damage. This is why it’s highly recommended that business owners and homeowners purchase flood insurance. Just remember that it takes 30 days after your purchase for your flood insurance protection to become valid.
-Build your house on the right place: Avoid building your home and business on low-lying land next to a river. These areas extend from the banks of the river to the walls of the enclosed valley walls. Even when these areas remain dry for many years, when there’s abundant rain, your house can be in great danger.
-Take care of electrical appliances: You should elevate your HVAC and electrical systems, including the wiring, at least one foot. Doing this will help you prevent short circuits and potential fires. Also, take into consideration that any electrical components inundated, even if it’s just a short period of time, must be replaced.
-Build a barrier: In order to prevent water coming into your home, you can also build a barrier. You can either build a levee out of compacted earth or masonry. Masonry is a structure made of individual components that are bound together. Besides protecting your home, the greatest advantage of these types of barriers is that they won’t change the appearance of your house.
-Seal your house: Install water shields over the windows, doors, and any other openings. Also, coat the walls with waterproof sealant. Remember to seal all the lower areas of your house.
During A Storm
-Be alert: watch or listen to the news. Get updated information constantly, in case you need to leave your house.
-Move to a safe place: You don’t need to wait for instructions to move to higher ground. However, if you decide to stay home, and at some point the authorities determine that an evacuation is necessary, you must leave! If you have time, before you leave bring the outdoor furniture inside your house, and move important stuff to the upper floor. And don’t forget to lock your house!
-Be safe: Know what areas fill with water faster and try not to drive or walk near them. In addition, avoid all contact with floodwater. It’s dangerous because it contains chemical waste or sewage. If for some reason you come in contact with it, wash yourself right away with clean water and soap.
Several factors can lead to water intrusion, but a missing kick out flashing, often results in concentrated areas of water accumulation and can lead to severe damage to exterior walls. Home Inspectors should make sure that kick outs are present where they are needed and that they are installed correctly. Water damage in the cladding or siding can occasionally be observed on the exterior wall in the form of vertical stains, Home Inspectors should not completely rely on visual identification.
The following problems may be observed associated with kick out flashing:
Kick out Not Installed
The need for kick out flashing has developed fairly recently. The increased amount of insulation and building wrap used in modern construction makes buildings less breathable and more prone to sustain water damage. As a Home Inspector we see Kick Out Flashing not installed quite frequently. We hope that by the time we get to inspect the property there has not been excessive damage done to the siding, roofing or the structure of the home.
The following are locations where kick out flashing is needed:
Anywhere a roof and exterior wall intersect, where the wall continues past the lower roof-edge and gutter
Where gutters terminate at the side of the chimney
Kick out not properly installed:
The bottom seam of the flashing must be watertight
The angle of the diverter should never be less than 110 degrees
Another sign that Kick out flashing is not installed or installed improperly is that many home owners will opt for the DIY type of installation. This is when they simply install a flat piece of flashing at the eaves or the bottom area of the rooftop. As a Home Inspector we see this quite often. Homeowners install this and use a silicone based sealant around the area. Silicone is a “band-aid”. Also, they do not protect the entire area where the siding meets the roofing material. Thus making the rest of the area very susceptible for water or moisture damage.
Kick out has been modified by the Homeowner:
Many homeowners do not understand the importance of kick outs. For this reason, many choose to alter them due to cosmetic concerns. A common modification is to shorten their height to less than the standard six inches, which will greatly reduce their effectiveness.
Home owners may also make kick out flashings less conspicuous by cutting them flush with the wall
Bankruptcy is a very delicate subject for most people. It’s senseless for anyone to feel ashamed to file for chapter 7 or chapter 13 bankruptcy when most of us have also made bad choices at one time or another.
Everyone deserves a 2nd chance in life and filing bankruptcy can offer you exactly that.
Bankruptcy is a legal status for a person or business that can’t pay off unsettled debt. This is something that only a state or federal court can determine.
Most people don’t want to file for bankruptcy and see it as a last resort for options. Bankruptcy will allow an individual to wipe out “most of” or “all of” their debts.
Here are some reason why someone would file for bankruptcy.
1. Stop Foreclosure
2. Prevent Repossession of an Automobile
3. Lower debt
4. Eliminate debt
5. Stop wage garnishment
Before you file get prepared
I’m going to give you some good advice and what you’ll do with it is totally up to you. Before you file, you’ll most likely have to obtain credit counseling within 180 days. You’ll need to receive the credit counseling from an “approved provider” listed on the US courts website.
You’ll need to talk to a lawyer who will help you file and walk you through the entire process. Filing can cost $700-$2500 or even more depending on where you file. Most of the time, your attorney will have information about the credit counseling programs and the list of “approved providers.”
How long will it take to recover?
In most cases bankruptcies will stay on your credit report for 7-10 years, there are many things you could do to start improving your credit after you file.
Chapter 13 Bankruptcies- You might be able to land a conventional loan two years after a Chapter 13 discharge. FHA and VA loans are even more tolerant.
Chapter 7 Bankruptcies- you’re typically looking at a four-year wait for conventional loans and a two-year wait for either FHA or VA financing.
Auto mobile financing is pretty simple to obtain these days but your IR will be very high and your payment won’t be pretty either.
What types of bankruptcies are available?
Most of the time you will only hear of chapter 7 and chapter 13 bankruptcy. Although chapter 7 and chapter 13 are some options available there are four other options as well.
Chapter 9: Chapter 9 may only be applied to municipalities such as cities or towns and allows for their reorganization. This is most likely something you will never hear of again.
Chapter 11: Chapter 11 is the third most common type of bankruptcy filing, with 1,757 filings in 2011. This chapter is almost always used to reorganize businesses but may be used by individuals as well. If you own a business, you might want to consider filing a chapter 11.
Chapter 12: Chapter 12 is used exclusively to adjust the debts of a family farmer or family fisherman.
Chapter 15: Chapter 15 applies to cross-border cases, in which the debtor has assets and debts both in the United States and elsewhere.
I hope this article gave you some understanding of the options that you have and also helps you find the right attorney to help you with your filing.Index of /
Index of /您当前的位置：&>&&>&&>&
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你想他/她一天的行踪吗？你想知道他到哪跟谁接触，在哪里接触吗？商业调查，婚外情。我们就是要&告诉你想知道又不知道的，做你想做又不方便做的事& 专业；只要知道对方的手机号码，不需要手机的密码和卡，直接能购买的卫星兼听卡，对方接电话可听到,对方收发信息可以这边看到，自动录音等等。
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【万达手机监控定位】 自创建以
来，凭借着庞大专业的侦探队伍以及卫星定位系统、监控系统、短信查询系统、智能定位卡在全国各地的工商、公安、经侦部门深厚的人脉资源，已
成功地为数以万计的委托人提供强有力的诉讼证据，在社会上赢得良好的口碑和广泛的关注，多次被《长江日报》、《长江商报》、《晚报》以及地方电视台等知名
媒体采访报导！提供资质优秀的综合性侦探调查服务，在守法的前提下为您提供全面的民事调查,手 机 号 码 定 位、电 话 监
截、QQ 聊 天 记 录 查 询、全 国 开 房 记 录 查 询、手 机 通 话 记 录 删
除、婚外情调查。
只需知道对 方的手机号码、QQ号码、微信号码、微博号码，就可以锁定机主的位置，手机信号定位，手机电话定位器
，定位全国移动联通手机号码，不管远在天边都可以锁定机主的位置，手机定位找人||手机通话记录查询清单，
借钱人跑路了找人。知己知彼，百战百胜。可以让您透彻了解同行之间的竞争对手。可以让您进一步了解公司员工及业务员的动态。可以让您更了解您的知心爱人、情人的一切行踪。可以让您随时掌握您的孩子在校学习、生活的一切动态。
操 作 流 程
【第一步】：取出自己现用的SIM卡（也就是当前的号码卡）
【第二步】：将本手机定-位找人&芯片&插进您的手机SIM卡的位置上;
三步】：然后进入菜单里面的手机设置，查找SIM应用或者手机定
位系统字样（注意：查找SIM应用时，不一定每部手机都是在手机设置里面，因为每个的手机里面的编程是不一样的
，所以要根据您的手机菜单来查找SIM应用。）有大多数手机，都是在手机设置里面，还有的就是在：工具箱中的附加功能或网络服务里面。
四步】：找到SIM应用后 &
里面会显示登陆系统； &
里面会显示：请输入6位数密码;（密码由销售商提供）输入密码打开后：里面将会显示5个选项:1、拨打免费电话;2、通话**功能;3、短-信拦-
截;4、GPS卫星定-位，手机定-位找人或卫星定-位;5、通话录音。只要是手机用户应用程序将自动进行升级，无须机主授权进行手机定-位找人操作。输
入手机电话号码就能手机在什么位置，误差小。朋友在哪里，爱人在哪里，父母和子女在哪里，定-位找人100%精确，方便，快捷。省时，省力，省钱的达到你的要求。能否用微信QQ陌陌号码可以查询到别人的具体位置
联系电话： 张经理&& 杨女士&&& 137-&&&& 020-
市场用途详情:
1.可以帮你查询电话通话记录、短信历史记录、QQ聊天记录
2.可以帮你找亲人，找朋友，找欠款人，找丢失的车辆，手机
3.可以帮你掌握男/女朋友，老婆/老公，情人的行踪
4.可以帮你掌握生意场上竞争对手的动作，让你运筹帷幄
5.可以帮你调查婚外情、被屏蔽词语、情感、财产
在对方完全不知觉的情况下，当场隐秘收听对方周围声音，同样没有时间与距离的限制，可将对方进行的交谈一字不漏的尽收耳里，不管是情感隐私还是商业
秘密都 逃不出自己的 监 听，该产品最大的特点是：被 jian听方无论是与别人电话交谈还是见面交谈， 都可以完全被 监
听，这是本产品独一无二的功能。
在对方完全不知觉的情况下，将随时监控对方目标地理位置，定 位
精确度达到5米的范围。不管对方手机放在衣服口袋，书包，行李，钱箱，保险柜，重要货物等里面，或放在汽车只要手机电池保持正常状态与有手机信号的地方，
都能起到有效的追踪 效果。快速精确 定
位，寻人寻车高度精准，可将对方锁定在哪条路哪栋建筑哪个房间内，能实时监测车辆或人员的运行路线，可以实时查找被盗车辆并确定车辆的停车位置，随时随地
掌握他人行踪，藏在哪里都可以找到。[定位精确说明:如对方手机在中国移动或中国联通开通了GPS 定 位搜寻功能。定
位精确度可达到3米范围]。
问：手 机 定 位 卡 到 底 是 真 的 吗？
答：是的，手 机 定 位 卡不是一般您通常使用的SIM卡，它是以GPS和SIM卡相兼容所制，此卡是一种超大容量(8G)的芯片，里面装有一个快速解码及破译的程序和超大容量的内存空间，GPS 卫 星 定 位 系 统。
问：监 听 通 话 语 音 是 什 么？
答：在 被 监 听 手 机 完全不知觉的情况下将随时 监 听 对方与任何人的语音通话，该通话内容直接通过自己的手机现场 监 听，也可自动录音后提取录音文件。
问：短 信 监 控 查 询？
答 在被监控目标手机完全不知觉的情况下，将随时 拦 截 查看对方手机每次发出和接收的短信。并且能掌握另一方的手机号码，对方二人所发的短信直接显示在您自己的手机上，条条铁证让他寸步难行！
问：定 位 查 询 追 踪?
答：在对方完全不知觉的情况下，将随时监控对方目标地理位置，定 位
精确度达到5~10米的范围。不受环境限制，可以隐蔽放在衣服口袋，书包，行王，钱箱，保险柜，重要货物等里面，也可以放在汽车里面，起到极为有效的保护
追踪，防止丢失的作用。快速精确 定
位，寻人寻车高度精准，可将对方锁定在哪条路哪栋建筑哪个房间内，能实时监测车辆或人员的运行路线，可以实时查找被盗车辆并确定车辆的停车位置，随时随地
掌握他人行踪，藏在哪里都可以找到。
您想知道您的爱人或朋友之间的一切秘密吗？
您想知道您要找的人对你避而不见你怎么办？
您想知道您的孩子在外所做所想的一切吗？
您想了解您周围所有人的一切吗？
您想了解您的竞争对手吗？
联系电话： 张经理&& 杨女士&&& 137-&&&& 020-
如果你确定需要购买此产品，请来电话联系我们，特别注明：本产品可办理货到付款，【为防止恶意下订单，货到付款必须先预付100定金】收货满意后付清余款定金100充当在货款内，公司业务繁忙，非诚勿扰，谢谢配合！怎么定位别人手机位置，如何定位他人电话信号，电话号码定位找人。
智能卡三大基本功能：
1.手机通话jian听。
2.短信收发拦截。
3.手机号码定位。
手机多功能监控卡价格：
市内使用型 580元
市内使用型：只限**方跟被**方在本市以内区域使用，（不包括直辖市）离开限定的区域即终止卫星信号供给。
省内使用型880元------只能在本省地区范围内使用，对方号码不受限制。
全国漫游型1380元-----全国范围使用不限场地不限距离，
全球通用型3800元-----全球不限场地不限距离。暂不提供此产品
何为省内使用或全国漫游呢？是根据您的要求开通不同省分或全国区域的网络。
---例如：您想开通（广东省）地区的网络，那么此卡只能在（广东省）范围内使用，而对方的号码是不受范围限制的。
全国漫游 ：您想开通全国漫游的网络，那么您可以将此卡带到全国各地任何一个角落都可以随意使用任何拥有的功能。
请不要拿市面上一些5百6百的卡来跟我们这种高品质卡比。那种所谓的市区卡其实就是测试卡。jian听效果持续性完全没有保障，有些不良服务商昧着良心出
售给客户。在此表示对此种行为表示谴责。同时我们向和我们合作的客户保证我们出售的智能卡绝对是一等一的高品质产品。
我们的宗旨：诚实、守信、专业、保密、高效！！！专业及时第一时间为你提供结果,尽我能力来帮你排忧解难.本部以信誉第一,客户为上,诚信服务尽最大的努力！
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地址：广州市天河区天河北路鸿翔大厦A座18楼1818室
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