No Credit? Here Are Easy Ways You Can Build Credit

Are you someone who has not established credit yet? Are you denied the same access to credit cards, loans and other credit ways simply because your credit score is too low from not having enough credit or no credit at all. Do not fret, because help is on the way!

If you are planning on getting a personal loan, owning a car, having a home of your own, working in a bank or finally acquiring the furniture you've been longing for a long time then establishing a credit is the answer.

Here are a few ways you can start building up your credit report and get on the road to good credit!

– Start to apply for a guaranteed approval credit card that reports to the credit bureaus. Take your time and always read the fine print in order for you to find the best deal for yourself. These cards are similar to debit cards but they have the Visa or Mastercard logo on them and they report to the credit bureaus.

– Another option might be to check if the lending institution of your choice has a secured credit card being offered. The interest may be higher but you may be able to upgrade to an unsecured card within 12 months if you maintain your payments on time.

– Another type of credit card with easy approval requirements is the merchandise credit cards and department store credit cards. These are an excellent source to start to establish a line of credit. Make sure it's a store where you can purchase a lot of your shopping needs. This way, you do not need to apply for a multiple cards at once which can be seen as a negative on your credit report. One word of caution. Department store credit cards tend to have high interest rates, many of their interest rates start at 15%. So keep an eye on your balance and try to pay as much as you can each month. NEVER make just the minimum payment, especially on a department store credit card.

– Do not forget to fill up any application for a loan or credit card completely. If something does not apply put N / A on that line. Including your checking and savings accounts and any accounts you pay for on a monthly basis even if they do not appear on your credit report. If they do not appear on your credit report, please make sure you include a way for your prospective lender to contact them for a trade reference.

If you are thinking about applying for a car loan, it's good to do research on the dealership or car lot where you want to make the purchase. Most dealers will provide a source of financing. Some may carry their own loan and payment plans. Be on the lookout though and read contract carefully if you do not want to get stuck with an interest rate that is through the roof. This venture is where a good cosigner may come into play.

Use these tips to help jumpstart your credit history and get approved for the credit that you deserve!

Copyright (c) 2006 Liz Roberts

Lowering Child Support Payments Through Unspecified Vacations

You want to pay the fair amount of child support and spend as much time as possible with your kids. Easy, right? Unfortunately, no. It can be very difficult for divorced parents to agree on a child custody schedule that lets them both enjoy their children as much as possible. Usually there is a custodial parent who has the kids most of the time – and the non-custodial parent gets to spend some time with them and pay child support. The non-custodial parent may feel completely helpless about getting more time with the children and he / she may feel like there is nothing they can do to lower the child support payments. Fortunately, there are things a non-custodial parent can do to gain more time with the children – and if they spend more time with the children then the child support payments generally go down. One way to do this is to use unspecified vacations.

Let's start with a fairly typical child custody arrangement. The child visitation schedule is set up so that the non-custodial parent has the children every other weekend. Since the children are most often with the custodial parent, the child support payments will be large. With this visitation agreement, the non-custodial parent has about fifteen percent of the customs time. Negotiating for unspecified vacations, however, can increase this time.

Unspecified vacations are general periods of time set aside in a visitation plan for one parent or the other without any specific dates attached. A typical order would read: "Father may take a vacation with the children each year of up to one uninterrupted week two times per year and must notify Mother of specific dates thirty days prior to vacation." This means that Dad gets two separate weeks a year when he can take the kids – and he can do it whenever he chooses. Attorneys generally use this type of unspecified vacation when parties want the flexibility to go on trips – but not at the same exact days and times each year. Also, it's useful for parents who simply want more vacation options or are uncertain about plans for summer break.

So, the smart parent will look through the calendar and choose vacation times that will maximize the time with their children. The parent should choose the weeks when they do not already have custody of their children. A parent can also look into purchasing a child customs software that will calculate the best time for them to schedule the vacation. We scheduled two of these vacations with the scenario used before – and the percentage time shot up to eighty percent. This is a double bonus for the non-custodial parent. You'll get to spend more time with your child and, since child support payments are based on the percentage of time spend with the child, your child support payments will decrease. And, there's the obvious fact that now you get to take your kids on vacation whenever you want during the year. So, take the money you save in child support and you're on your way!

Special Gifts for the Groom

Sometimes with all the planning, decorations, and thought that goes into your wedding ceremony and reception you can just get cooked up and lost in everything that you have to do. The one important thing to remember is that this day is still supposedly to be centered on you, the bride and groom. So, no matter what obstacles you hit as far as planning things like guest lists, invitations, wedding favors, and decorations you need to make sure that you are still thinking about your perfect and ideal wedding reception with all of your dreams coming true and being discovered in the celebration. Great ways to do this are by using them weddings, by incorporating your personality, and just giving it your all.

However, sometimes you just need to full out pamper yourself or your spouse. Or maybe you are a special friend looking for a great gift that you can give to the brand new couple. If you are that person then you have to think about the most unique gifts out there, just like the bride and groom had to do to choose your wedding favors and all the wonderful decorations that they presented you with. But I bet you will not object since you are close enough to think about getting a unique present to begin with. Well, let's start with the groom. You have to think about what the groom would like, so that means taking into consideration everything that they like and what makes them feel comfortable, relaxed, and happy.

If you do that then you will really be able to choose the perfect gift that they will appreciate maybe more than anything else. In addition to these amazing gift ideas that you can come up with, you should also remember to consider the sort of whimsical and unique gifts that you can find to make them smile and laugh along with you. Here are a couple examples of gifts for the groom that combined everything you need to think about when you are trying to choose a fantastic present.

Screen Tees:

These cotton tee shirts are really great to give as gifts because they are simple but they are sure to put a smile on someone's face when they open it up. The black tee shirt has the bold word "Groom" written in white so that it really stands out against the background. Depending on who you are getting this for, you can get it to say "groom", "best man", "father of the groom" or even "groomsman". This makes this a truly versatile present that you can use to put a smile on the face of any person you choose to give it to.

Men 'Sunshine Flip Flops:

These flip flops are a great gift for your groom who is about to go on a long, relaxing honeymoon. The flip flops feature the phrase "she loves me" and offer a great way to feel the beach atmosphere on your honeymoon and really just get into the sand.

Treadmill Deck Info: Treadmill Decks Materials and Warranty

Treadmill deck is the material that forms the hard surface on which you run. In other words it's the supportive surface. This article identifies the decking from the tread belt which is the belt that moves across the decking.

Important

Treadmill manufacturers do not provide a great deal of information about the actual construction materials of their decks. These days most treadmills, especially if priced above $ 1,000 are constructed with decently strong tread decks (usually medium density fibreboard with a duo phenolic coating – all discussed in detail below).

However, strength is not the be all and end all. If strength were most important, more treadmill manufacturers would use metal. Metal is used, but not extensively.

What are decking construction objectives?

Like I said above, if strength was the only objective, metal or steel decks would rule the day. But strength is not the only objective. Quality decking should:

  • Be strong
  • Be durable
  • Have some elasticity (ie slightly flexible, but not bouncy)
  • Minimize noise (ie muffle noise if possible)
  • Have a smooth surface to minimizeize tread belt friction

What materials are used?

Often you'll see reference to solid wood, medium density fibreboard (MDF), and metal as materials used for treadmill decks. For coating you'll usually read about phenolic coating. The article explains these different materials.

Materials

1. Medium density fibreboard (MDF)

MDF is created by breaking down wood into fibers (sawdust) and then forming the fibers into a solid treadmill deck with wax and resin. The usual thickness is 3/4 "to 1". You can read more about MDF here.

MDF is the predominant material used for treadmill decks.

2. Solid wood

The deck is made out of 3/4 "to 1" solid wood. The trouble with solid wood is it's hard to find a piece of wood that is perfect. MDF, although not perfect either, ensures a consistency that's hard to find with solid wood.

Particle board: Particle board is no the same as MDF. Particle board is not fiber-based. It's a solid wood composite product. The result is that particle board is much weaker than MDF. MDF is denser and stronger.

Avoid treadmills with decks using particle board. You'll be lucky to get a year out of it.

3. Metal

Metal decks are not nearly as durable as solid wood or MDF decks. It's heavier and does not create as "soft" of a surface as wood or MDF. Running on metal or steel simply is not as enjoyable as on solid wood or MDF.

What material do I recommend?

MDF deck that is duo or triple coated with phenolic resin coating.

The coating

Some treadmills are covered on both sides (duo-coating, sometimes also referred to as triple-coating), while lower-quality treadmills coat only 1 side of a treadmill deck. The better deck is coated on both sides which helps reduce warping. It's also better for reducing friction with the tread deck along the entire surface area on which the tread belt moves.

Best material used for coating:

Phenolic: This is the best coating material. You'll pay more for phenolic coating, but it's worth it.

What is phenolic resin coating?

Phenolic resin coating is a plastic resin. When a treadmill deck is covered with phenolic resin, wax the wood deck is unnecessary.

Can you build your own if your original deck breaks?

Yes, but it's not advisable unless you really know what you're doing. Simply slamming in a sheet of plywood or MDF is not going to do it. There's properly coating the deck and ensuring it securely attaches to the treadmill.

The last thing you want is your deck to break apart when running or walking.

This is why having a lifetime warranty on your treadmill deck is important. Decks often break or crack (especially with lower-priced treadmills).

Decking Considerations

Replacement frequency

The range in the number of hours of use treadmill decks are good for is astounding. Some lower-end treadmill decks are designed for 500 hours, while other warranty their decks for life. Naturally the intensity of use and weight of users will impact the duration of a treadmill deck.

Is it reversible?

Some treadmill manufacturers make reversible tread decks so that you can get more mileage out of them.

Is reversible good?

It depends. Some manufacturers make treadmill decks that are warrantied for a lifetime without having to reverse them. Others do not come with a lifetime warranty and can not be reversed. These may have the shortest lifespan. Then there are treadmills with reversible decks which in theory doubles the lifespan of the treadmill deck.

The warranty

Ideally, the treadmill you buy will have a lifetime warranty on the deck. This is indicative the manufacturer stands behind the deck and in the event the deck fails, you get a replacement.

Cushioning technology

Cushioning technology is pretty cool these days. Treadmill cushioning technology includes the amount of, type of, and quality of the treadmill cushioning.