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There are 5 common ways to fix your bad credit. Although some people may not be aware of them, these methods are nothing new and have been around for quite some time. The following is a list of the top 5 ways to fix your bad credit:

Make Payments on Time

Increase Available Credit

Pick 1 credit card to focus on.

Pick 1 thing you can live without.

Stop using credit.
Why you should make credit card payments on timeThere are many lenders (auto, mortgage and credit card companies) that access your credit history before making a financial decision on your behalf. One category that always gets a good looking over is your payment history, because it shows the lender how responsible you are with making your payments and making them on time. The good is if you have missed a payment here and there it is not a huge deal but if you miss payments a few cycles in a row that is not good. It is like when you are interviewing for a job and they call your last employer and they find out you were late quite a bit. On the other hand if you were late to work once every 2 months it won’t be mentioned. Same principal for making payments on time with your credit cards.In addition, when you miss a payment you become subject to a few issues with credit card companies. First, your credit card will attach a late payment fee and in some cases they may give you a penalty interest rate. As if your life is not already hard enough, obviously there is a lot going on if you missed a payment. Then they add insult to injury with this punishment. Also you become subject to universal default where other credit cards can legally penalize you for missing a payment on a totally different card. This is not the make a bad choice and only the witnesses find out scenario, everybody finds out.Why you need to increase your available creditYour goal is to get out of debt and fix your credit score. You can begin working towards this by increasing your available credit. The amount of available credit is what makes so many people have bad credit scores. They have literally used up more than 70% of their available credit (for example your credit limit is $2,000 and you have $200 available). This hurts your score so much because it shows the lenders and/or credit card companies that you do not have enough cash and you need to rely on using your credit card. So, if you pay down your balance and increase your available credit, you send a different message to credit card companies. Eventually, your available credit increases in 2 ways: by you paying the balance down and the companies will usually extend your credit line while your paying down your balance and based on how long you have had the line of credit.Why you need to pick 1 credit card to focus onIt happens all the time, people get motivated and do drastic things that are not helpful in the long run. For example you commit to losing weight and you exercise for 2 hours the first 2 days, but by day # 3 you are sore and exhausted so you stop working out. This happens with paying off credit cards. People get extra money and instead of paying off 1 card they make payments on 3 credit cards. Although they reduce the balance on all of them at the end of the day they still have 3 credit cards instead of the 2 they would have by focusing on 1 card at a time.Why you need to pick 1 thing you can give live withoutGetting out of debt is about sacrifices and not wasting money. Some people have to keep up with the latest trends and place themselves further in debt. I have done it too and then it hit me by iPhone 6s plus. I was buying new iPhone after new iPhone and then I realized I do not have 1 iPhone that is not in mint condition. They all can play the same games, display the same apps etc. so I am wasting money buying a new iPhone every release. I won’t buy the iPhone 7!Another example is coffee, I learned that kcups are not economical they are just quick and convenient. I also learned that $2.50 for a venti at Starbucks every day is of $14.00 and a 32oz bag of Starbucks Dark Roast is 17.00 at BJs. Before I learned about BJs I was paying the 2.50 but I thought I was doing it right because I was using my cash back debit card! However, the Bjs bag is much more economical.Why you should stop using credit cardsI increased my credit score (FICO score) tremendously a few years ago just by not using my credit cards for a few months. I recently wrote a blog about it because it was around this time a few years ago where I noticed the big bump in my credit score, I had finally joined the 700 club! Additionally, the interest on credit cards even if it is low is ridiculous. In my state we complain all the time about taxes on products, well credit card interests rates are a bit higher than taxes. Lastly, if you do not pay off entire balances by the end of promotional periods your balance nearly doubles.Bonus #6 Hire a Credit Repair AgencyHere is a bonus the number 6 way to fix bad credit is to hire a credit repair agency. By law you are entitled to a free consultation from credit repair agencies. According to the Federal Trade Commission (FTC) the Credit Repair Organizations Act requires consumers of credit repair services to receive a copy of their legal rights and it protects customers from being charged prior to services being performed. The resources on this page will elaborate in more detail about this law.In closing using the methods listed above will certainly help anyone’s credit score improve. Making Credit Card Payments on Time, Increasing Available Credit, Picking 1 credit card to focus on, Picking 1 thing you can live without and Not using credit cards are the most commonly used ways to fix bad credit. When in doubt contact a credit repair agency and make sure you understand the terms that you are agreeing to.

Heavy trucking equipment can be extraordinarily expensive. Trucking companies of all sizes often rely on commercial truck financing to lease or buy semis, dump trucks, and other equipment that they need to provide their services. However, finding financing for a commercial truck can be difficult in some cases.Understanding how commercial truck loans work is crucial when trying to lease or find a loan, as this allows businesses to improve their chances of getting approved for affordable financing options.This starts with understanding the credit issues that commercial trucking companies look at when issuing loans. There are numerous criteria involved which a financing company considers to try to accurately determine whether a business will pay off its loan in a timely manner.These criteria include specific information about a loan applicant company, such as the amount of time that a company has been in business. Most financing companies will prefer to issue commercial truck financing to an established business, as this greatly improves the chances that a loan will be paid back. A good credit history and strong financial records will also improve a company’s chances of receiving financing at a preferable rate, so before getting financing on any type of trucking equipment, a company should prepare its financial records and be ready to present a great deal of tax and income info. A history of profitability can show a financing company that a business has a relatively low credit risk.The other major factors are the exact equipment being financed and the type of loan that is being requested. Longer loans are more difficult to find, as they can carry a greater risk for financing companies.It will be very difficult to receive commercial truck financing from an institution that is not familiar with the uses, benefits, and costs of the equipment that is being financed. Businesses should choose financing companies that specialize in loans for heavy-duty commercial trucks and related equipment, as these institutions will be able to accurately assess the risks of a loan and can often offer low rates to buyers. Many financing companies have lists of commercial trucks that they will finance or lists of equipment and brand types that they do not support.When truck financing is needed, it’s often possible to improve the chances of loan approval by choosing used trucks or inexpensive models. Supply as much credit information as possible and look for loans that can be paid off as quickly as is affordable. First-time truck buyers and buyers with bad credit can look for special companies that specialize in commercial truck financing for these situations. Know the terms and interest of your financing agreement and work with specialized financing companies that understand the costs and risks of the trucks that you need. An organized approach will help any business to finance heavy trucks at an affordable rate.

Schools across the globe are going through a growth spurt of sorts, which is both painful and unavoidable. I’m talking, of course, about technology integration. Maybe your class is using a COW (Computer on Wheels) cart once a week or maybe every student in your school is suddenly holding an iPad and administrators are throwing around the dreaded phrase “going paperless.” Whatever the level of technology integration, we all seem to be in some state of transition toward new technology at any given time. The painful truth, though, is that no matter how many professional development sessions we receive or how many tools we are given, many adults struggle to adapt to new technology. We approach the new school year fully aware that our students will hack the media and turn it to their own deviant uses before we as teachers even learn to turn the device on. The solution to this problem is simple. It’s time to take a page from our students’ playbook. We need to jump quickly over the hurdles of trepidation, fear, and distrust, in order to come out ahead in the technology race.Beat the Fear of New TechnologyNot unlike the 5 Stages of Loss and Grief, all people (not just adults) go through a series of predictable reactions when confronted with new technology. Knowing that these stages are the same for everyone and that it’s not just you against the world, you can start to move through the stages more quickly. You can learn to follow the lead of your students and turn fear into excitement and ultimately, acceptance.Stage 1- DenialAs teachers, we work hard to hone our craft. Year to year we make small adjustments to the curriculum, our lesson plans, and our classroom management systems in order to maximize our efficacy. Therefore, it can feel like a real shock when administrators declare an abrupt and sweeping change, such as a paperless classes, and 1:1 technology integration (where each student works on a device, whether it is a computer, tablet, or even their phone). Many teachers will experience an automatic response to the news. The general reaction is “This is never going to work!”It turns out this is a normal reaction toward new technology. Even children, who seem flexible and enthusiastic about every new wave of technological development, go through an initial uncertainty. The key to successful technology adoption is to accept that you will feel frustrated and scared. It is normal. Simply acknowledging your fear can help you move through this phase more quickly. The last thing you want is to let the fear take over and for paralysis to set in. It’s OK to say “I’m freaked out and I don’t like this.” But don’t stop there. Move past the fear and try the technology.Stage 2- Bargaining”They can put this in my classroom, but they can’t make me use it!” Maybe you’ll tell yourself that you will learn the bare minimum. You’ll use the technology during a principal’s observation of your class, or you’ll use it in the first week of school and then put it away and go back to your regular, proven, routines. Bargaining isn’t actually a bad thing in this situation. It can smooth the pathway toward actually using the new device. Even technology enthusiasts will say “I’ll try using this but if it doesn’t work for me, I’m not going to pursue it.” As a teacher, tell yourself that you will give the technology a try. If you don’t like it, you can use it as minimally as possible, but you will at least be giving yourself permission to try it out without a heavy feeling of risk.Stage 3- ExperimentationThis is the key stage to successful technology adoption. It’s the figurative turning point for your mindset as a technology user. Once you allow yourself permission to experiment with the technology and actually begin clicking through it (whether it is a new device such as an iPad or a new website like Edmodo.com) it is through experimentation that we really overcome our fears.While experimenting with the new technology you may hit a roadblock. Your frustration may spike, your fear may flare up again, but don’t let that stop you. Trust that you will not damage the device just by clicking around on it. You can always reboot, restart, or reload. Look for a help button, user guide, or even YouTube tutorial videos that can help you overcome these roadblocks. As you experiment, keep an open mind and look for anything interesting or helpful to you.Stage 4- ExcitementMore often than not, experimentation with a new tool will lead teachers to become excited about the application for their classroom. Teachers are by their very nature creative and innovative people. We always look at materials with an eye for differentiation and adaptation for our students. It is likely that you will begin to think of ways this new tool will fit into your lessons while you are experimenting with it. Conversations with other teachers are key to ironing out the details and paving the way toward actual application in your class. Research the technology online and read teacher blogs and reviews to get to know the product even better and see how others are applying it effectively in their classes.Stage 5- AcceptanceThe faster you can move yourself through the previous stages, the sooner you will feel confident using the new technology. Acceptance means you are ready to write this technology into your lesson plans, maximize its usefulness, and truly get the most out of this initiative for the benefit of your students.Everyone moves through the stages of technology adoption at their own rate. However being aware that you will feel an initial push-back, you can move past your fears toward a productive level of exploration and acceptance more quickly. As teachers, we don’t always have control over new educational reforms or program initiatives in our school, but the one thing we can control is how we react to these changes. By moving past the fear we can spend our energy in more productive ways. Good luck with whatever your school has planned for the coming year. You can handle it. Even if you’re “going paperless”!

It is easy to find people’s opinion on how to invest in the stock market as everyone has a different angle on what to expect in the stock market at every point in time, but most of the time people’s opinion may be very confusing. The most common problem that new investors do have is how to determine good investments from the bad ones, what to invest on, what time to invest among others. Some of the questions that you need to answer so as to make a good decision when you want to invest are highlighted below.Is This a Good Time to Invest in Stocks?On the off chance that you are taking a gander at money markets amid a lofty decrease, you may think it is a terrible time to begin investing. On the off chance that you are taking a gander at it when stocks are reviving, you may think it is a decent time.Neither one of the times is fundamentally great or terrible in the event that you are investing for the long haul (10 years or more). Nobody can anticipate with any level of assurance which way the share trading system will move at any given time; yet over the long haul, stock markets has constantly moved higher. Each bear advertises is trailed by a buyer market (when stock costs rise). Verifiably, positively trending markets have endured any longer than bear markets, and the additions of buyer markets have more than counterbalance the misfortunes in bear marketsHow Much Risk Should I Take?A standout amongst the most essential fundamentals of investing is the cozy relationship amongst risk and returns. Without risk, there can be no profits. You ought to will to accept more risk on the off chance that you are looking for more noteworthy returns. In that regard, risk can be something to be thankful for, yet just in the event that you take into consideration adequate time to let the inescapable market cycles happen. By and large, in the event that you have a more drawn out venture time skyline, you ought to will to expect a more noteworthy measure of risk, on the grounds that there will be more opportunity for the market to work through the here and there cycles. Generally, understanding financial specialists have been compensated with positive long haul returns.New investors are regularly encouraged to put fundamentally in common money, which can give moment enhancement, offering the most ideal approach to lessen risk. By putting resources into a couple of various shared assets speaking to various resource classes, (for example, expansive development stocks, global stocks or bonds), you can lessen unpredictability significantly promote without yielding long haul returns.On the off chance that you are beginning an investment program by investing incremental measures of cash on a month to month basis, you will profit by dollar cost averaging. When you invest an altered measure of cash on a month to month premise, you get some share costs at a higher cost and some at a lower cost because of market changes. At the point when the market decreases, your settled dollar sum will purchase more shares. After some time, the normal cost of your shares ought to be lower than the present market cost. By utilizing dollar cost averaging, your drawback risk will be alleviated after some time. What Is My Investment Goal?The most vital question to consider before making any invest is, “What Is My Investment Goal?” Your ventures will contrast boundlessly if, for instance, you are attempting to spare cash for retirement as opposed to attempting to spare cash for an up front installment on the house. Things being what they are, ask yourself, “Is this venture prone to help me meet my objective?” What Is My Risk Tolerance?If your investment objective is to profit as would be prudent and you can endure any hazard, then you ought to invest in the National Lottery. Putting resources into lotteries, be that as it may, practically promises you won’t achieve your venture objective. There are speculations for each level of risk resilience. But if you are not a high-risk taker, investing in long-term investment is the key.What Happens if This Investment Goes to Zero?Among the 12 stocks in 1896 stock list, only General Electric is still in operation, the other eleven firms in the first record have either gone bankrupt or have been gobbled up. There is a genuine plausibility that any investment you make could go to zero while you claim it. Ask yourself, “Will I be monetarily crushed if this speculation goes to zero?” If the answer is yes, don’t make that venture.What Is My Investment Time Frame?As a rule, the more extended your investment time allotment, the more risk you can take in your investment portfolio since you have more opportunity to recuperate from a mix-up. Likewise, in case you’re putting something aside for retirement, and you’re decades from resigning, putting resources into something illiquid (like an investment property) may bode well. “Does this venture bode well from a planning perspective?”When and Why Will I Sell This Investment?If you know why you are putting resources into something, you ought to have an entirely smart thought of when to sell it. On the off chance that you purchased a stock since you were expecting 20 percent income development for each year, you ought to anticipate offering the stock if income development doesn’t live up to your desires. On the off chance that you purchased a stock since you enjoyed the dividend yield, offer the stock if the profit yield falls.Who Am I Investing With?It is extremely hard to judge the character and capacity of anybody in light of a two-passage portrayal accessible in an organization’s yearly report or a common store outline. However, you ought to at any rate know with whom you are entrusting your money. What is their past record? Things to hope for are long fruitful track records and good dividend and turnover.Do I Have Special Knowledge?A celebrated investment expert feels that normal individuals have a tremendous favorable position over investment experts in fields where they work in light of the fact that no investment professional will ever know more around an industry than somebody who works in it. Ask yourself, “Am I putting resources into something I know something about, or am I putting resources into something that some specialist know something about?”I couldn’t care less how great something sounds. In the event that I don’t totally see how it functions, I won’t put resources into it.In the event that an investment can’t be clarified obviously, it implies one of two things:The individual clarifying it doesn’t comprehend it either, or there’s something about the investment that the individual is attempting to stow away.On top of that, one of the greatest keys to investing admirably is adhering to your arrangement through the good and bad times.That is difficult. Indeed, even the best investment methodologies have enormous down periods that make you reconsider. Adhering to your arrangement in those extreme times requires a practically religious-like conviction that things will pivot.Furthermore, the best way to have that sort of conviction is to comprehend why you’re investing the way you are and what every bit of your arrangement is accomplishing for you. Without a solid comprehension, you’ll more likely than not safeguard at the main indication of inconvenience.Why Do I Still Own That Investment?It is a smart thought to intermittently look through your investment portfolio to ensure regardless you need to claim your stock. Offering an investment for a misfortune or offering a major champ is exceptionally troublesome. Be that as it may, the greatest distinction amongst beginner and professional investors is that professional investors don’t have passionate ensnarement with their investment and can strip themselves of their investment without kicking themselves if the investment keeps on picking up esteem.Should I Be Managing My Own Investments?It is extremely difficult for beginner investor to perform well than a professional investment expert. If you don’t have sufficient energy or slant to deal with your investment, you ought to think about paying an expert to do it for you. Every investor wants to make profit, so there is no harm in trusting your investment in good hand.