Archive

Archive for April, 2014

What Credit Repair Companies Don’t Want Consumers to Know

April 30th, 2014 Comments off

If you have been researching credit repair online, you have no doubt seen enough conflicting information to convince you that there’s a lot more to fixing your credit than there actually is. The simple truth is that if you’re anything like most consumers, you may even be thinking that you won’t see any real results until you sign on with one of those expensive credit repair services. This is just not the truth of the matter. The fact is that those companies put a lot of money into flooding the web with information (much of it misinformation), and the purpose of all of it is to push consumers through their doors. Don’t fall for it!

The truth of the matter is that creating the credit dispute letters you need to accomplish basic self credit repair is not that complicated. I won’t tell you you won’t need your brain to do it, but then, you’ve got a brain, right? So you don’t need a no-brainer. You can do exactly what any credit repair company would do for you, and you can do it for free. But don’t take my word for it. The FTC will tell you the same thing on their website when they encourage consumers to investigate and undertake their own CreditRepair.

All a credit repair service is going to do for you is to create credit dispute letters to send to the credit bureaus, the purpose of those letters being to get things wiped off your credit report. But there’s not a step in that process that you as a consumer cannot undertake on your own behalf.

You can come up with these letters by yourself–even if you’re not good at writing, and you don’t have to start from scratch either. There are plenty of credit letter samples and templates you can use for free online. In fact, the FTC’s site that I referenced earlier offers one such sample credit dispute letter. It will work just as well as any of the others I’ve seen.

It’s a simple matter of copying any credit repair letter template you like into a new document, put your account information into the appropriate places for the items you want to dispute (making a new letter for each item you wish to dispute), and mail those letters to the reporting bureaus. Also be sure to include an ID page, which should contain very clearly legible copies of your social security card, your drivers license, and a utility bill. Keep in mind that those documents need to have your right address on them

I am always amazed when I hear people talk about the work they had a credit repair company do for them. Every time I’ve asked such a person if they tried to do self credit repair first, the answer is always the same: “Oh, I wouldn’t have known how to do that.” Well, of course you wouldn’t, but you could have learned it with just a little research, and you could have saved yourself a great deal of money. I have helped very many clients understand and undertake self credit repair, and I know the results can be every bit as impressive as any credit repair company can achieve.

I have helped hundreds of people perform repair their own credit, and I have seen amazing results to their credit scores-results every bit as good as the ones those same clients would have gotten if they had paid a pricey credit repair service to create their credit dispute letters for them. But by undertaking CreditRepair on their own, they were able to get the same results and keep those hundreds to thousands of dollars in fees. There’s just no reason not to try the method that even the FTC acknowledges to be the best credit repair option.

Matthew Wierzbinski is the owner of http://CreditBlossom.com, which offers both written and video instructions on how to repair your own credit. It also offers the public free use of its amazing credit repair letter generating tool, the free and easy Credit Repair Letter Wiz™, which can be found at http://creditblossom.com/Content/LetterGeneratingTool.aspx.

Credit Repair after a Bankruptcy – Yes, it IS Necessary! (And it can be FREE too!)

April 30th, 2014 Comments off

A lot of people assume that after going through a bankruptcy, all the items that were included in the bankruptcy will be automatically wiped off their credit reports. Many people are even told this misinformation by their own bankruptcy attorneys. “You don’t need to write any credit repair letters. Those things will go away on their own once the bankruptcy is over.” Wrong!

In the vast majority of cases, the accounts that were included in your bankruptcy will still report long after the bankruptcy goes through. People get a false sense of security from the faulty legal advice they are offered, and that is a sad reality in deed. These people need to be re-informed. They cannot sit back and wait for their credit to clean itself up.

The fact is that you do need to do credit repair even after your bankruptcy is through. But don’t rush out and hire an expensive CreditRepair company to do your credit report disputing for you. They can’t do anything for you that you can’t do for yourself, and you can do it for free!

In fact, the Federal Trade Commission recommends self credit repair over any company, service, or software that’s available. Look over the FTC’s consumer facts provided on their website to see that disputing your own accounts is what the FTC calls the best credit repair strategy.

If you’ve just gone through a bankruptcy, you will know which items were included in it. Get a current copy of your credit report and review it carefully. If any of those accounts are still reporting balances even after the bankruptcy, you need to create credit dispute letters to the reporting credit bureaus. You can find samples of credit repair letters available on many online sites. I like the one provided by the Federal Trade Commission myself, but there are many others that will work too. Just customize the letter to your specific accounts. Be sure to also send along any documentation that proves that the account is inaccurate. The company reporting the account has a legal responsibility to get it taken care of. Your credit repair letter will help ensure they do.

Matthew Wierzbinski is the owner of http://CreditBlossom.com, which offers both written and video instructions on how to repair your own credit. It also offers the public free use of its amazing credit repair letter generating tool, the free and easy Credit Repair Letter Wiz™, which can be found at http://creditblossom.com/Content/LetterGeneratingTool.aspx.

Informing Yourself About Home Security Systems

April 29th, 2014 Comments off

When thinking about home security systems for you and your family, there’s a lot to consider in the way of what you want, how you want it done, and how much you want to pay to keep your family secure. There are quite a few options out there to think about.

One of your foremost concerns will be what you want to be safeguarded against. Alarm systems aren’t just for burglaries and break-ins anymore, but can also be used to track fire, flooding (not just from heavy rain but also in case a pipe breaks or your washing machine starts leaking) or carbon monoxide levels.

Another thing to think about is how you want to be protected–with constant monitoring by an outside security company or by electronic alerts to you or whomever you like should danger be detected at home.

If your biggest concern is NOT burglary, that doesn’t mean that a security system isn’t the answer for you. You can program these to have instant access to emergency services in case of a medical disaster, or to have the fire department alerted right off the bat as well.

In terms of costs, the most expensive systems that have constant monitoring will have initial costs for the system itself and installation, plus a monthly service fee for the services you use. You need to think about what services you want exactly and then shop for your most economic possibilities.

Once you have everything installed, the only thing you’ll need to worry about is a simple little keypad by your front door that will keep your system running. From there you’ll be able to enter the codes to turn your system on and off whenever you like.

If you have an idea of what you want but don’t know what company to go with, see which companies will offer you a free in-home inspection and what kind of advice they’ll give you. Security companies will usually be able to advise you on which of their programs will be best for your house, which will be a helpful tool for you in deciding.

If you’re not looking for the kind of system that requires constant monitoring and that will cost you money every month, there are reliable systems that you only have to pay for once. You install them yourself and set them to alert you, a call center, or a trusted neighbor if any unusual activity is detected inside your home at any point.

These systems are best if you want a little lower-maintenance protection and they’re also a cheaper option, because once you pay the initial purchase fee, you’re done. You won’t have to continue to pay monthly service fees.

If you’re looking into home security systems to protect you and your loved ones, don’t forget all the options you have to consider before making your move. Decide what you want to protect yourself against and how you want to do it before investing in a system to keep your home safe.

Consult an Alarm force review to guarantee there is maximum safety at your home and property. This extensive database of Alarmforce complaints allows you to share opinions and experiences about home alarm systems.

Reliance Money Offers Unlimited Trade For Flat Fee

April 29th, 2014 Comments off

Reliance Money, under the brand name, provides a single window, enabling customers to access, amongst others, Equity & Commodity Derivatives, Portfolio Management Services, Wealth Management Services, Investment Banking, IPO’s, Mutual Funds, Life & General Insurance, Money Changing, Money Transfer, and Gold Coins Reliance Securities Limited is a broking and distribution company offering Equity and Derivative trading, distribution of Mutual Fund and IPOs, Portfolio Management and Investment Banking.

Reliance Capital is a part of the Reliance – Anil Dhirubhai Ambani Group. Reliance Securities Limited is a group company of Reliance Capital, one of India’s leading and fastest growing private sector financial services companies, ranking among the top 3 private sector financial services and banking companies in terms of net worth.

Reliance Money’s new product offers unlimited trading and margin trading to new customers for Rs. 6000. This product is aimed at aggressive investors and regular traders, valid for three months. First product in the industry offering unlimited trading option on flat fee model customers to get range of value adds including fee waiver on account opening, Shares As Collateral facility, SuperTrade Subscription and Trading calls on trade with new product.

Reliance Money, one of the largest distribution and broking brands in the country, launched a new product for customers that allow unlimited equity trade for a fixed fee. The event was held in Jaipur on 9th Feb 2010. The new product, which is being offered by Reliance Securities Limited (RSL), was unveiled by Mr. Vikrant Gugnani, Executive Director, and Kapil Bali, CEO, Retail Broking, RSL, at a press conference.

Mr. Gugnani said that the product was the first of its kind product available in the Indian broking industry. The new offer allows all traders and investors to cap their brokerage expense while offering them unlimited trade option through their platform. This is also in line with their strategy to offer competitive pricing and convenient brokerage options for their investors. This new product – Trade Unlimited -, priced at Rs. 6000 for three months, offers unlimited delivery trading and margin trading turnover and is available to new customers.

As an incentive for availing this product, the company would be waiving account opening charges; offer shares as collateral facility – which allows client to trade on intraday and F&O by pledging shares instead of having to provide cash margins; offer SuperTrade Subscription , a superfast execution platform for 90 days, and Trading calls on its platform.

Mr Bali spoke on this occasion saying that the new product is aimed to provide huge price advantage – upto 25-50 per cent of brokerage to aggressive investors and traders who easily end up spending much more on other platforms. According to in-house limited research done by the company – Regular traders doing more than Rs. 5 lakh a day or over Rs. 1 crore a month in margin/intraday/F&O at a brokerage of 0.03% could be spending Rs. 3300 a month or more on brokerage.

The new account would be activated between 10-15 days. The 90 day count will begin either from the day the client starts his first trading; or the 10th day after account activation in case no trade is done before that. Once the 90 day period is over the customers can choose from the existing range of limit cards depending on their trade volume and value.

Find out more about Reliance Money & visit Reliance Securities to know more about the products & services.

Liability Cover To Protect You For Negligence

April 28th, 2014 Comments off

Liability cover is a kind of insurance cover. Any occurrence that a person is responsible for is called liability. Insurance promises compensation to an individual for unpredictable losses that may occur in the future. The individual makes fixed payments periodically for the promise. The firm that gives this kind of promise is known as insurer. The individual who pays for this promise is known as the cover holder.

There are many forms of insurance. Some are statutory while others are optional. A person seeking insurance chooses the type of insurance he requires. What he chooses is called insurance cover. When a person chooses a cover against liability he is covered against property damage or personal injury to a third party.

In this context, 3rd party refers to another person and not the policy holder. Therefore, any compensation for damage or injury is not paid to the cover holder. Compensation is made to the victim despite the fact that he is not the owner of the insurance contract.

Personal bodily injury in relation to a third person includes disability, injury among others. For instance if a person doing shopping in a mall skids and injury occurs to his leg, he can demand compensation from the mall’s owner. Property damage of a 3rd person involves loss or physical damage. For example if your vehicle knocks someone’s vehicle damaging it, the owner of the vehicle will demand to be compensated by you.

There are two ways in which liability insurance protects the covered person. Any court cases against him are settled by this policy. In case of a court awarding compensation to a third party, all the compensation money is paid by this cover. The cover pays up to the limit stated by the policy.

Many countries require those who risk being sued by third parties for negligence to take liability insurance cover. These people include drivers of vehicles, manufacturers, constructors and employers. The activities they engage in put other people at risk of loss or injury. The law requires them to be covered against liability so that if anything happens, money will be readily available to compensate the affected people.

Liability cover is optional. However, home owners, business owners and other people could give it a thought. People are increasingly discovering their civil rights. Being taken to court for negligence is therefore easy. Although it is not possible to stop or predict risks, transferring them to an insurance company can be more comforting.

Liability cover and income protection redundancy are sometimes mandated by law, but may also be optional. Protect yourself against future losses by reviewing and managing your insurance coverage prudently.