Tips on Credit Repair (part 2 of 2)

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People who have outstanding loans must still be able to pay for other things like mortgage and other bills. The scenario itself is like fighting a campaign in many fronts but you have no choice because failure to miss other payments will only make matter worse.

No one said that when you are undergoing credit repair, you cannot use your credit card. In fact, you can still use it just make sure you do not max it like before because your total debt compared to your total credit makes up 30% of your credit score.

Once you are able to improve your credit score, keep up the good work. At the same time, apply for either a department store credit card or a secured credit card.

Filing for bankruptcy is never an option with regards to credit repair. This is because it is like taking a nose dive when your record will be kept on file for 10 years and during this time, interest rates will continue to pile up and the amount of money that you owe only grows.

The credit repair tips mentioned are easy for anyone to follow. Once you start paying off your debt, make sure you are able to do it so you can once again be in the green.

Is credit repair easy? Not really because it really depends how much you owe the creditors. Some individuals owe a thousand or two while for others it is quite bigger and that is really a problem.

So analyze your situation, take the appropriate steps in credit repair and make sure this does not happen again.

Tips on Credit Repair (part 1 of 2)

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Credit repair is the process of getting you back on the good side of your creditors. Without it, you will not be able to borrow any money which is why it is important to know how to do it.

The first step is to know how the bad the situation is and the only way to do that will be to get a copy of your credit report. You can get this for free by getting in touch with one of the three credit agencies namely Equifax, Experian, and Trans Union.

If it just so happens that there is a discrepancy in your credit report to which you know has already been resolved, sending a letter and the supporting documents is all you need to fix it.

But if the credit report is correct, credit repair can only be done by paying it off. It will be a good idea to talk to your creditors and ask if you can strike a deal which will allow you to pay the said amount in staggered terms.

If they agree to this, make sure that this is written on paper so you have something to hold on to if ever they decide to change their minds.

Should you have problems talking to your creditor, don’t give up and instead hire a credit repair company to act as the mediator. Talking to professionals has a lot of benefits and two of them happen to be lower payment and interest terms.

Credit repair takes time and since money is always the issue, be ready to make certain sacrifices and reduce your expenses. If what you are earning is not enough, you may have to sell off some valuables and assets.

How to do Asset management yourself (part 2 of 2)

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2. Do your research

One reason why a lot of people hire mangers and not do the investing themselves is the fact that the world is filled with people who want to rob you of your money. There are a lot of con artists with schemes that seem picture perfect at first glance. Earn money in 6 months with minimum investment, everything will seem too good. One advice, check it out. If something seems to good to be true, it probably is.

Before you invest in something, make sure that you have done some background checks on the company running it. Looking at their websites or visiting their offices are not enough. You need to look thoroughly at every aspect of the company. Check the transactions that it has made over the years. The number of years that the company has been operating is a pretty good clue too. Stay away from new companies as much as you can. They may be operated by con artists.

3. Diversify

This is actually what most people in asset management do. Do you know the old saying "Don't put all your eggs in one basket." Heed that. Put your money in different business investments. That way, when something happens with one, you still have the other one.

How to do Asset management yourself (part 1 of 2)

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It’s not enough that you work every day. If you want to become rich, you also need to invest your money so that it will earn for itself. This is the same concept of putting your money in the bank but the low interest rates that banks give is not enough to combat the rising inflation rates.  In fact, if you really want to double or triple your money, experts suggest that you put up a business. However, this is not an option for most people, especially those that are afraid of taking risks. That’s when asset management comes in.

Asset management is the professional management of your money and other assets like stocks, bonds and even real estate for better profit. This is often done by financial advisors and portfolio managers for a fee or most often a percentage of the earnings in a period of time. This fee is what makes most people especially retirees shy away from hiring asset management people.

If you know the economic environment and understand investment terms, you can actually take care of your own assets. Here are some tips on how to manage your money and properties yourself.

1.  Ask people

Do not be ashamed to ask people for advice or recommendations. Start with the people that you know. Ask friends or colleagues. If you know people who are good in business, approach them. They will be wells of information. This is because they are probably doing their investing themselves and will know business investments that are really good. Plus, these people in the industry are the first to know about stock news and gossips so you will have first knowledge of the goings on.

Ask them what’s the latest stock that they bought or what investment opportunities do they know that can yield a lot of money. Even if they are not doing asset management themselves, they can probably mention a couple of companies or investment funds that their managers recommended. This way, you are benefitting from asset managers’ wisdom and expertise without having to pay for the fee.

Where to Find Free Embroidery Patterns (part 2 of 2)

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It is because there are so many places where you can find embroidery patterns that are free of charge and with wide array of designs to choose from. Here are some of the many places where you can find free embroidery patterns:

1.) Embroidery Books – Today, there are so many books about stitching and embroidery that clips sample patterns. They come free when you buy the book. Though you need to invest in buying the book, the fact that it can help enhance your skills in embroidery is simply an advantage. The patterns clipped in these books are an absolute give away.

2.) Internet – The place where you can find almost all of the things that you are looking is absolutely in the World Wide Web. Who can imagine that this spider can really give you free embroidery patterns? But believe it or not, the internet can. If you do Google or Yahoo or any search engine that you know and you are comfortable using, just enter a keyword and in a snap, you have what you are looking for.

All you have to do is choose among the sites that can offer you the best deal. Be aware though of the sites that are pure spammers or asks you to download design. These sites might be a threat to your PC. They might contain bugs.

3.)Workshop Kits – Joining workshops and seminars on embroidery will not just give you new ideas and enhance your skills but also give you hundreds of free embroidery patterns. Just like books, you only need to pay for a registration and then you get several patterns as souvenirs or giveaway kits. But, the money is well worth it. After all, workshops are very good avenue to practice and you will surely learn something.

Embroidery must not give you strain. So whenever you are looking for free embroidery patterns, extend your searches and you will surely find one. You may also want to try your own design pattern by sketching and having it printed. That way, you are not just having it free, you are making it personalized.

Where to Find Free Embroidery Patterns (part 1 of 2)

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Embroidery is truly a very satisfying hobby. Because this is primarily an art, creativity of the one who does embroidery is even harnessed more and thus he/she is given a greater avenue of expression. Aside from this, seeing the actual product or the final output of the design simply gives invaluable feelings. And just like other forms of arts, embroidery must also follow certain disciplines and skill in order to attain a desirable output.

Skill is often associated with constant correct practice and perseverance. In order for the skill in stitching to be developed, it must be shaped using mediums and for the case of embroidery, patterns are effective tools. And you’d be glad that free embroidery patterns can be easily acquired these days.

Patterns are design guides that are used to make the embroidery perfect. The final output of the embroidery is dependent on the design. There are designs that are simple and bare and there are also those that are complete with varying colors, depth, and complicated thread mixes. The question now is where to find embroidery patterns?

Embroidery patterns are usually for sale. They can be acquired at any hobby store where you can also find other equipments for embroidery. Design patterns are not actually that expensive as compared to other embroidery essentials, but purchasing one for your project is simply not practical.