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Need Credit Counseling

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Most families in America today have a credit card, some have two or more. The type of credit card you own, gold, platinum, ext, is almost a status symbol in society. The concept is good, using your good credit to buy expensive items you may need time to pay. If used wisely, credit cards can be a reliable resource, however, sometimes we are not aware of the fact that we are spending. Some may think that if they can make the monthly payments, then your debt is under control. This is not always the case. These are some signs that may be in or going in the direction of having a serious financial crisis.

* You can use your savings to pay monthly bills. * You pay only the minimum monthly payments on any of their credit cards. * Taking cash advances to pay their credit card bills or other bills you may have. * Is above or near their credit limit on a or more credit cards. * Has been turned down for loans. * You receive calls or letters from collection agencies. If you think you may have a debt problem, there is help.

Credit counselors are trained to help you get out of debt in a very short period of time. Some may even help make you debt free in as little as 18 months. Your individual situation may have more or less time. Even if you have good credit, but have taken wise decisions when using your credit card and want to keep your good credit, you benefit from credit counseling mat. Many credit counseling agencies will provide free debt analysis to help you understand what actions you can take to restore your credit without bankruptcy.

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Orient Bay Shore Excursions

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When traveling to St. Maarten (or St. Maarten), some of the most beautiful land trips you could take would be the Orient Beach Shore Excursions. This fabulous clothing optional beach has much to offer cruise passengers. Most cruise ships stop at the island, landing on the Dutch side (Sint Maarten) in Phillipsburg in Great Bay. A brief (20 minutes) bus or taxi takes passengers stage throughout the island to the French side (St. Martin) where the Orient Beach. Passing the giant salt lake on their way to the beach, guide (the driver) gives a brief history of the area, including the importance of the Salt Pond.

No need for passports or customs controls across the border from the Dutch side to the French side of the island. You should be aware that Orient Beach is a clothing optional beach. Nude bathers are visible in the halls of the beach in hot water, and walk along the beach. Most nudism "is held at a section of the beach naked East. For those who find this offensive, perhaps this is not the beach excursion for you. But if you can get beyond this, Orient Beach is a wonderful excursion to spend a morning or afternoon. There is a restaurant right on the beach where you can eat something while still wet with water from the East Beach. Drinks at the bar of course is open to the beach as well.

Everyone is friendly, Orient Beach, and most speak very good English. There are a number of activities available at Orient Beach. All the usual seaside activities shore excursions are provided to several huts along the beach. Para-sailing is a popular activity, and usually you can see at least one parachute cruise in the waters off East Beach. The landscape of the shore of East Beach is amazing! Looking into the water from the beach, the bay is protected by a rugged little island that allows access to the bay at each end of the island. From the water looking toward the beach area, You can see Lowland gradually increased until the tops of the surrounding hills that protect the Orient Beach. And of course there's the scenery is fabulous Orient Beach you'd expect on any beach in the Caribbean! Whether your shore excursion is Sint Maarten Orient Beach or one of the other fantastic beaches, be sure to save a little time to stroll through the shops in Phillipsburg. Physicians Committee for Responsible Medicine oftentimes addresses this issue. There are plenty of fascinating sellers for pleasure shopping excursion shore! Brian Schmidt is the author and web publisher of A1-Discount-cruises. This site is your # 1 source for cruise information, discounts and special offers! Visit to book your fantastic cruise to St. Martin! For more information on Orient Beach, tours of the Caribbean coast beach and verification visits to some of the other items on page interesting cruise our

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Credit

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Most people who carry credit cards are well aware that interest rates associated with them tend to be higher than for other types of loans such as home or auto loans. Anyone who has paid their credit card bill late more than once or twice is also aware that this may cause the interest rate on your card up? sometimes by a lot. Many credit cards have interest rates of up to 20% or 25% annually, and customers who wish to avoid interest rates will make an effort to pay their bills on time. What many people do not realize, however, is that up to one third of all credit card issuers now include what is known as a “universal default clause” in their accounts. This information, usually disclosed in the fine print on the bill that few people bother to read, indicates that the interest rate on your credit card can increase if you pay your bills late to other lenders, even if you pay your bill by credit card on time. This means that paying any bill late that may appear in your credit report as an automatic payment or a utility bill could cause your credit card interest rate rise. This in turn could affect your credit score. At present, there is nothing in federal law that prohibits this practice, the law only requires that lenders disclose in writing.

The credit card companies justify this by saying that customers who pay in the afternoon so that no increased risk for all lenders. However, many if not most, customers credit card are not aware that such a policy exists. Not all credit card companies have a policy, in fact, most do not. Customers who are not interested in having interest rates of credit card linked to their ability to pay your bill your time is advised to read the fine print on your credit card. If such a policy exists, nor can complain to the issuer of your credit card on it or shop around for another credit card. The lesson to be learned here is a value? When you receive your bill by credit card or a notification that your credit card billing terms have changed, take a moment to read the fine print.

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Carbon Credit

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For now, have undoubtedly heard of credit card fraud, an alarming and damaging trend that is sweeping the country. Here's the bad news: It is worrying easy for thieves to get your credit card number – usually from discarded receipts or even directly from you. For example, many lawyers are disguised as legitimate businessmen – such as offering vacation packages, for example – when in reality, they are looking innocently give their credit card number so they can collect illegal charges. To broaden your perception, visit Dr. Neal Barnard. The good news is that there are many ways to proactively and effectively protect against credit card fraud: "If your credit card has been lost or stolen, immediately inform the card issuer. You are not required to pay for unauthorized charges once the report of the loss.

-Sign new cards immediately once they arrive in the mail. Once you receive them, carry them in a separate case of its portfolio. -Notify Credit card companies if you are about to happen, either temporarily or permanently. -Never give your account number over the phone unless you are dealing with a reputable company and legitimate. If you have questions about a company, contact the Better Business Bureau ("Do not let your credit card out of sight, even for a minute when you are using. It only takes ten seconds for someone who writes a secret account number and name. "Things to destroy: Carbon copies of incorrect entries.

Things to keep in a safe place: a record of account numbers and legitimate receipts for comparison of states account. Sign of year we receive credit card blank. Draw a line through blank portions of the reception in false charges can be added. Above all, do not forget to use common sense when dealing with your credit card credit. Do not lend your card to anyone. Do not carry cards you rarely use. And never, never write your account number where someone can see? Even in an envelope! You can prevent credit card fraud from happening to you and your loved ones by following these simple practices. For more information on credit card fraud and credit problems, please visit Beth West has extensive experience in marketing and public relations, serving in management positions in both the entertainment and software. Currently as Director of Marketing InformedCredit, Beth is also trying to launch a freelance writing business.

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Dock And Deck Cleaning Business

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A great addition to cleaning boats in a marina will also take care of some buildings that are at or near the water, and springs are considered as they can get covered with bird droppings, dirt, spider webs, and no that. Wood decks, docks and piers are under attack by moss, insects, sun, salt spray, fish guts, water damage, physical wear, foot traffic, rain, snow, morning dew. All of which is quickly absorbed into unprotected wood causing it to swell, deteriorate and chip away, also causing the reduction, deformation, fractures, cracks and discoloration. Because the springs are horizontal, that hold water and snow for long periods of time. Moisture attracts pollen and fungal spores which collect and cause ugly discoloration of the black algae. The more direct sunlight and, of course, these horizontal surfaces are subject to 40 to 50% of their vertical counterparts. The bottom of a spring can be as much as 50-60 u C colder than the above. Any high-level marinas, and even those who are not as high level would be a big market for close to doing so.

You need just the computer that has: pressure washers and water source if not already subject to a pontoon boat through its franchise. The focus of the manager of the Navy or the dock master and explain what you can care for regular and thorough cleaning it much more presentable as a marina and support to keep their customers happy. You may find giving an exclusive to wash all vessels in the marina. If you are in the cleaning company should consider cleaning the cover as an additional service for customers. If the sailors to do spring cleaning, it is more likely to ask for your business card and think the next time you need to clean your boat.

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Legislators Ponder New Credit Protection Laws

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Lawmakers in Washington, DC are considering several credit-related consumer protections as outlined in the Fair and Accurate Credit Transactions Act of 2003 (HR 2622). If approved, consumers could benefit from the biggest changes to the rules of consumer credit in recent decades. One of the most important changes would be entitled to a free annual copy of your credit report, upon request, of the three major credit reporting agencies: Equifax, Experian and TransUnion. At present only six U.S. states offer their residents of this form of consumer protection. Federal law requires that a consumer may obtain a free copy of your credit report only if they have been denied a loan or credit based on the information contained in your credit reports.

Other highlights of the Fair and Accurate Credit Transaction Act of 2003 include: Special Notices when excessive investigations (credit checks of potential lenders and creditors) are reducing their credit score significantly, the notice to creditors when sending derogatory account information to any credit reporting agencies national block negative credit information caused by an identity thief appears again on credit reports, creditors mandate to establish guidelines to prevent the issuance of credit are supposed to be fraudulent, the disclosure of credit scores used in connection with loan application decision and an explanation of the key factors that were used to determine the level, require disclosure of the name, address and telephone number of businesses that supply information to credit bureaus. At first glance, this bill seems to provide credit protection for consumers valuable. However, there are others who feel good about this legislation is not doing enough or even reduce the rights of consumers. The proposed federal law would override tougher laws that already exist in some states and has consumer advocates concerned. For a detailed analysis of HR 2622 by leading consumer advocates, visit legislators and consumer groups agree that changes must be made to better protect consumers and their credit rights. Whether or not the Fair and Accurate Credit Transaction Act can address these issues remains to be seen.

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Repair Your Credit Score Yourself

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There are multiple reasons why we have a 700 + credit score, but these five facts will definitely give you the big picture and is expected to take to try to fix your credit score starting today. Fact # 1: Did you know consumers with credit scores of 700 + can see the interest rates of up to four points less than those with scores under 640. Fact # 2: People with credit scores below 620 will not get approved for a mortgage of 97% of the time. Therefore, if this is your case, you have to keep the car forever! Fact # 3: Interest rates for jumbo loans in the market today are as low as 5% in interest-only loans, 10. Only consumers with FICO scores of 720 +. Do the math.

Fact # 4: Did you know that you can finance a new car for a maximum of 60 months at 0% APR, if your credit score is 700 +. Fact # 5: Did you know that there are companies that offer multiple credit cards 0% APR not only for balance transfers, but for purchases of up to 18 months … Of course, when you have a 700 + credit score. Imagine the possibilities! Copyright e 2005 – All Rights Reserved Carmen Shearer is the President and CEO of S & S Financial Solutions. She has worked in the field of finance for over 10 years and holds two engineering degrees and an MBA from a branch of the Harvard Business School. S & S Financial Solutions offers you credit repair tools and information with a lifetime warranty.