How To Get A Credit Card With Less Than Perfect Credit

By Max Pain

Credit cards can be vital to function today, whether it be to book a hotel room or rent a vehicle. Don’t despair if your credit is less-than-perfect and you have had trouble getting a credit card. Many cards are geared for people with bad credit.

When looking for a credit card for less-than-perfect credit, the important thing is to do your research beforehand and not to apply for every card, as it can lower your credit score. Don’t worry if your credit isn’t perfect because credit card lenders look at more than just your credit history. You can improve your chances at qualifying by having a steady income and long time residency.

If you have less-than-perfect credit, you will generally have two options for cards:

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Secured credit cards

You must make a deposit in a savings account with the bank that issues the secured credit card in order to use it. The deposit is used as collateral for your card. The amount that you need to deposit varies with the program, but generally if you deposit $300, you would have a credit limit of $300. You can increase your credit limit by depositing more money.

Some secured credit cards may offer a slightly higher credit limit than what is in the collateral savings account. As you keep the account in good standing, the credit line will go up. If you default on the card, the bank will use the money in the account to pay the balance of the card.

Secured credit cards work exactly the same as regular credit cards except for the deposit. Banks may or may not report these cards to credit bureaus, so check with cards you are considering. If you are trying to rebuild your credit, you will want the information reported to boost your score. Your money will also earn interest while it is in the collateral savings account.

Unsecured credit cards

Unsecured credit cards do not require any deposit and work as a typical credit card. Credit lines are generally low to begin, sometimes only $200, but will rise as you keep the card in good standing. These cards will have higher interest rates and fees than other standard credit cards. The agencies usually report to credit bureaus, but check to make sure your information is being reported so you can help improve your score.

About the Author: Lauren Armstrong is an industry professional and expert author at

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Large forest fire continues to burn into third day in southern Norway

Thursday, June 12, 2008

A large forest fire that started on Monday, June 9 is still out of control in the municipality of Froland in southern Norway. The fire is the largest forest fire to occur in Norway since World War II.

The fire has spread extensively and it is estimated that approximately 2,500 acres of forest have been damaged. Approximately 15 cabins are reported to have burned to the ground, but as of yet, no permanent dwellings or farms have been damaged. However, many inhabitants have been evacuated due to the fire threatening their homes, including the entire villages of Mykland and Belland. There have also been some power outages due to power lines being damaged.

Approximately 140 persons, including fire-fighters from several fire departments, and personnel from the Civil Defence and the Home Guard are working to curtail the fire. Four fire helicopters have been deployed. The fire fighting is focused on areas where the fire threatens buildings.

Extremely dry weather, and difficult wind conditions, have caused severe difficulties in fighting the fire. Fire-fighters first had hope of gaining control on the morning of Thursday, June 12, but the wind changed direction during the day, causing a large extension of the fire. There is some hope that the weekend will bring some rain; however, this will likely not be enough to stop the fire. It could take several weeks before the fire is completely extinguished.

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US President Obama authorizes airstrikes against ISIL in Iraq

Friday, August 8, 2014

United States President Barack Obama appeared in the State Dining Room at the White House Thursday night saying he was authorizing two operations in Iraq against the Islamic State of Iraq and the Levant (ISIL) insurgency. They were launched to help religious minorities who are trapped on a mountain without food and water that are “facing almost certain death,” according to Obama.

The first operation is targeted airstrikes against ISIL, and the second operation is to provide humanitarian aid to those trapped on the mountain. Regarding the airstrikes Obama said, “We intend to stay vigilant, and take action if these terrorist forces threaten our personnel or facilities anywhere in Iraq, including our consulate in Erbil and our embassy in Baghdad.” He added, “We’re also providing urgent assistance to Iraqi government and Kurdish forces so they can more effectively wage the fight against ISIL.”

In regards to the humanitarian aid operation, which had already started before Obama made the announcement, he said, “Second, at the request of the Iraqi government — we’ve begun operations to help save Iraqi civilians stranded on the mountain.” He continued saying, “Already, American aircraft have begun conducting humanitarian airdrops of food and water to help these desperate men, women and children survive.”

I will not allow the United States to be dragged into fighting another war in Iraq.

Obama empathized that ground troops will not be returning to Iraq saying, “As Commander-in-Chief, I will not allow the United States to be dragged into fighting another war in Iraq. And so even as we support Iraqis as they take the fight to these terrorists, American combat troops will not be returning to fight in Iraq, because there’s no American military solution to the larger crisis in Iraq.” Currently, there are 700 US soldiers in Iraq, mostly there to guard the US embassy and the international airport in Baghdad, facilities in Erbil, and to assess the capabilities of the Iraqi military.

The humanitarian airdrops were undertaken by “a C-17 Globemaster III and two C-130 Hercules airlifters escorted by [F/A-18] Super Hornets,” according to the Department of Defense.

According to a statement sent out by Rear Admiral John Kirby, the Pentagon’s press secretary, “Two F/A-18 aircraft dropped 500-pound laser-guided bombs on a mobile artillery piece near Erbil. ISIL was using this artillery to shell Kurdish forces defending Erbil where U.S. personnel are located,” early Friday morning.

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Situation at damaged nuclear power plant remains ‘very grave’, says Japanese Prime Minister

Friday, March 25, 2011

We are not in a position where we can be optimistic.

Two weeks after a disastrous earthquake and tsunami hit Japan, the situation at the severely damaged Fukushima I Nuclear Power Plant has been described by the Prime Minister as “very grave and serious”. In a nationally televised report to the nation on Friday, Naoto Kan said the Japanese government was “not in a position where we can be optimistic.”

Radiation is reported to still be leaking from the plant, in Fukushima prefecture. “The source of the radiation seems to be the reactor core,” said Nuclear and Industrial Safety Agency official Hidehiko Nishiyama, adding that radiation was “more likely” coming from the core than from the reactor’s spent fuel pool.

On Thursday three workers stepped into contaminated cooling water in the reactor’s turbine room while trying to replace cables at reactor No. 3, Nishiyama said. The water seeped into the the boots of two of the workers, touching their skin and causing lesions; the third worker’s clothing protected him from the water. The two workers with skin lesions were hospitalized for radiation exposure. The radiation level of the contaminated water measured 10,000 times the level of cooling water in an undamaged reactor.File:Fukushima I by Digital Globe 2.jpg

Work has been stopped on attempts to reattach a permanent power line to the cooling system in reactor No. 3, and the building has been evacuated. Nishiyama could give no predictions of when work would resume. The possibility that water is leaking from the core of reactor No. 3 increases the danger for workers who attempt to cool the crippled plant. The reactors must be cooled before more safety work can begin.

Japan had been using seawater for cooling since the disaster crippled the power plant’s cooling systems, but U.S. officials were concerned that saltwater could harm the equipment, causing it to seize up and corrode, thereby worsening the situation.

Wikipedia has more about this subject:

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Nlp Coaching Really Works

NLP Coaching Really Works

by

Abbey smith

If you are stuck in a rut, be it in your work or personal life, NLP coaching could benefit you. This form of coaching is unlike any other kind you have come across before. Every year, hundreds of thousands of people benefit from taking NLP courses.

[youtube]http://www.youtube.com/watch?v=PZ9cyqKqJHM[/youtube]

What exactly is NLP Coaching? NLP stands for Neuro Linguistic Programming, which to many people sounds a bit kooky, a bit new worldly. However, it is not because it comes from the fact that if you want to achieve something in life you need to first convince yourself that you can do so. There is a strong connection between how you think, what you say and what you actually do. Hence the name, neuro for your thought process, linguistic for the language element (what you say) and programming for how you act, which forms habits you fall back on as you go through life. By changing the way you think, talk and act, you can cope with and get past many of the things that hold you back in life. It does not really matter what issues you have NLP coaching has the potential to help you to deal successfully with those issues. Applications for NLP Coaching Most people use NLP techniques to help them to succeed in business; however, a lot of people also use these techniques to get over personal problems too. NLP coaching helps people to get past their perceived limitations. Limits they put on themselves. For example, many phobias are born out of irrational fear. That irrational fear is very powerful and stops people from doing many things. However, because it is irrational it is to a large extent self imposed. Using NLP, many people with phobias are able to overcome them. NLP Coaching For Business However, by far the most popular form of NLP coaching is that used to help people to succeed in their work lives. Often people are held back by a lack of self-confidence and belief in themselves. NLP coaches help you to get things in perspective, to recognise your strengths and use them to progress in life. They also help you to understand your weaknesses and build strategies to deal with them.

Visit the NLP Foundation Weekend website to find out more about UK based

NLP Coaching

, and how it could benefit you.

Article Source:

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Four Boy Scouts killed in Iowa tornado

Thursday, June 12, 2008

A major storm suspected to be a tornado has reportedly killed four Boy Scouts camping at the Little Sioux Scout Ranch in Little Sioux, Iowa. Roughly ninety-five Scouts aged thirteen to eighteen and twenty-five adult staff members were believed to be camping at the time the alarm was raised. Most of the scouts were from Omaha-Metro Area, including Omaha and Bellevue, Nebraska and Council Bluffs, Iowa. It is believed that the scouts had as little as twelve minutes to seek shelter from the time the alarm began to the time the storm hit. Early reports stated that thirty to forty scouts had been injured, that number was later reduced to twenty.

A spokesman for the Boy Scouts of America‘s Mid American Council, the region in which the camp was situated, has stated that the storm activated sirens but she couldn’t confirm whether the scouts were staying in tents or buildings.

The Scouts were participating in a training exercise at the 1,800 acre ranch roughly 40 miles northeast of Omaha. Julie Tack, a spokesperson for Iowa Homeland Security, stated that the camp was littered with debris and downed tree branches after being struck by a tornado at or around 7:00 PM Central Daylight Time. Tack went on to say that a search and rescue team had been deployed to the area.

Camp counselors have stated that they were aware of the possibilities that storm was coming and they had heard the tornado sirens going off. There was no underground shelter for the scouts, however they had shelters designated and emergency plans had been discussed the first day of camp. Officials said most of the boys were on a hike when storms moved in.

A camp staff member said that many scouts were injured when a fireplace in one of the shelters collapsed. Most of the injured scouts were treated at hospitals in Sioux City and Missouri Valley, Iowa. Six scouts were brought to the Missouri Valley hospital, most treated for minor injuries and broken bones. One scout suffered a broken hip and was transferred to Creighton University Medical Center in Omaha.

Mercy Medical Center, in Sioux City, have reported two patients arriving by helicopter at 8:13 PM with a third arriving by ambulance. A fourth patient arrived later, again by helicopter. A spokesman for the hospital said the victims are all juveniles and all have serious injuries. Mercy does not expect to receive more camp victims. The names of the victims have not been released.

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Laws allowing same sex marriage in Washington, D.C. go into effect

Wednesday, March 3, 2010

The United States capital of Washington, D.C. legalized same-sex marriage on Wednesday. Beginning at 6 A.M. local time (1100 UTC), couples began submitting marriage applications at local courthouses citywide.

Washington D.C. becomes the seventh United States territory to legalize same sex marriage. The bill was ratified by Mayor Adrian Fenty last December. Due to city’s territorial status as a federal district, the bill had to be reviewed by congress. The bill passed congressional review Tuesday night.

The bill faced opposition from many family values activists, who tried to stop the bill from becoming law. Supreme Court Chief Justice John Roberts rejected a lawsuit to prevent the measure.

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Canberra’s Sophie Lavers crowned Miss World Australia

Thursday, July 23, 2009

Sophie Lavers, a 24-year-old woman from Canberra, has been crowned Miss World Australia in Sydney. She defeated nineteen other finalists to take the prize and will represent Australia at the Miss World event in South Africa.

The entrants were judged based on several categories including best talent, healthy body image, sports and fitness and beauty with a purpose. An aspiring actress, she is completing an acting course and hopes to build a career in film and television. She is also a qualified fitness instructor and has worked as a Kings Cross waitress.

She has been described in the media as having an “amazing figure” and it has been rumoured that she has used this for modelling work. However, Lavers has said that her body has only been modelled for a good cause: “Some do think that, but I have only ever modelled for charity.”

She also doubts much will change for her, at least in the near future. “I’ll still get up and probably have peanut butter on toast for breakfast but after that I’m not sure what’s happening. I guess I won’t be going to work tomorrow.”

She explained that all the girls who entered were dedicated to making a difference. “I just think it’s like having little angels out there through the country helping in all different areas whether it’s with children, or blind people, or the homeless.” Lavers also complained that non-stop smiling for the event has left here mouth sore. “I’m not used to smiling for hours on end.”

Lavers is now set to head to Johannesburg for the December 12 global competition. “I’ve got to get a month of outfits ready and get a talent and another speech and everything. Oh goodness.”

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Know The Reasons For Rejection Of Business Loan

. Although it may seem difficult for owners to make use of these loans, particularly first-timers, this is not so.

Approval of business loan depends on different parameters, and if these are not met, a loan has a will be denied. The best way to deal with the rejection is to explore the factors behind it and build on them to obtain the business loan eligibility criteria for your next submission.

Reasons for your business loan application getting rejected

Low credit score

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A good credit score reflects the successful management of the budget and expenditures. If you have a low credit score, it shows your lack of financial prudence. You must check your score with reputed credit rating agencies before applying for a loan. One of the most common reasons for refusal on l business loans is due to the use of a high percentage of credit amount.

Insufficient cash flow

Your cash flow analysis shows your ability to repay your loan after you have covered the operating costs. Insufficient cash flow influences lender trust to approve the loan. You can increase your cash flow by:

  • Reducing unnecessary costs
  • Holding correct invoice
  • Establish an Emergency Fund

Excess debt

If your company is in over-debt, prospective investors will be turned away. A lender’s primary concern is repayment. When a lender sees you having colossal debt, it is natural that he will be cautious. Maintaining low credit balances and paying off past debts would help solve this problem and can get a business loan quickly.

Weak business plan

Developing a detailed business plan would be wise. You will need to do an in-depth study of the market factors before submitting the documents required for business loans. It lets you get an objective and realistic analysis of the possibilities a scenario provides to your company.

Lack of collateral

Investors are looking for concrete evidence to support their investments. When you apply for a loan, you must have a clear understanding of your inventory of assets which you can use as collateral. If you are unable to provide tangible assets, you may need to mortgage your assets to get the business loan you need.

Purpose of the loan

You should be aware of why you need to apply for business loan. Do you need it to purchase new equipment or for research or to develop a new product or is it for renovating your office? If you are uncertain about your loan’s intent, lenders are less likely to approve your application.

Sweden’s Crown Princess marries long-time boyfriend

Monday, June 21, 2010

Sweden’s first royal wedding since 1976 took place Saturday when Crown Princess Victoria, 32, married her long-time boyfriend and former personal trainer, Daniel Westling, 36. The ceremony took place at Stockholm Cathedral.

Over 1,200 guests, including many rulers, politicians, royals and other dignitaries from across the world, attended the wedding, which cost an estimated 20 million Swedish kronor. Victoria wore a wedding dress with five-metre long train designed by Pär Engsheden. She wore the same crown that her mother, Queen Silvia, wore on her wedding day 34 years previously, also on June 19. Victoria’s father, King Carl XVI Gustaf, walked Victoria down the aisle, which was deemed untraditional by many. In Sweden, the bride and groom usually walk down the aisle together, emphasising the country’s views on equality. Victoria met with Daniel half-way to the altar, where they exchanged brief kisses, and, to the sounds of the wedding march, made their way to the the silver altar. She was followed by ten bridesmaids. The couple both had tears in their eyes as they said their vows, and apart from fumbling when they exchanged rings, the ceremony went smoothly.

Following the ceremony, the couple headed a fast-paced procession through central Stockholm on a horse-drawn carriage, flanked by police and security. Up to 500,000 people are thought to have lined the streets. They then boarded the Vasaorden, the same royal barge Victoria’s parents used in their wedding, and traveled through Stockholm’s waters, accompanied by flyover of 18 fighter jets near the end of the procession. A wedding banquet followed in the in the Hall of State of the Royal Palace.

Controversy has surrounded the engagement and wedding between the Crown Princess and Westling, a “commoner”. Victoria met Westling as she was recovering from bulemia in 2002. He owned a chain of gymnasiums and was brought in to help bring Victoria back to full health. Westling was raised in a middle-class family in Ockelbo, in central Sweden. His father managed a social services centre, and his mother worked in a post office. When the relationship was made public, Westling was mocked as an outsider and the king was reportedly horrified at the thought of his daughter marrying a “commoner”, even though he did so when he married Silvia. Last year, Westling underwent transplant surgery for a congenital kidney disorder. The Swedish public have been assured that he will be able to have children and that his illness will not be passed on to his offspring.

Westling underwent years of training to prepare for his new role in the royal family, including lessons in etiquette, elocution, and multi-lingual small talk; and a makeover that saw his hair being cropped short, and his plain-looking glasses and clothes being replaced by designer-wear.

Upon marrying the Crown Princess, Westling took his wife’s ducal title and is granted the style “His Royal Highness”. He is now known as HRH Prince Daniel, Duke of Västergötland. He also has his own coat-of-arms and monogram. When Victoria assumes the throne and becomes Queen, Daniel will not become King, but assume a supportive role, similar to that of Prince Phillip, the husband of the United Kingdom’s Queen Elizabeth II.

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