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    Pre Application Tips For Credit Cards


    For the most part, credit card applications are fairly identical in what they want to know about you and your finances. There may be some differences, depending on the company and the level of credit that you are seeking, but, in general, there are some things that all card issuers will want to know before they approve you for one of their credit cards. Knowing in advance what the company will be looking for and improving those areas (whenever possible) before you actually apply to the company can improve your success rate. The following are some of the items that most (if not all) credit card companies will look at during their decision process. Rent or Own: This is one of the standard questions that you see in almost all applications. There was a time when buying a home was looked upon more favorably than renting a home, but that is changing. Due to the increase in home foreclosures the advantages that buying had over renting are diminishing. When it comes to answering this question, be truthful. You cannot lie about this and get away with it. Just be honest about it and understand that many renters get credit lines just as home buyers do. One caveat to this is that if you are in the works of moving from renter to owner you may want to wait until you have closed your home buying deal before applying for a new credit card. Employment is another question that is usually asked of applicants. Again, do not lie about this. If you are unemployed and have no other source of income hold off on the application until you find work. If you believe your monthly income is too low, find a part time job so that you can include that added income in the household financial information that they are sure to ask about on the application. Speaking of household income, this is yet another of the most popular questions asked on credit card applications. This is one of the most important questions on the application and much will be decided based on the answer you give. Some companies have a minimum annual household income. If you fall below this amount you will be denied. It is that simple. Often you can find this cut off amount on the application itself so look for it. Annual household income includes anything that brings in money to the home. If you have income from stock dividends, income from part time jobs or other sources include that on the application. It is not a good idea to make up sources of income but do include the income that you honestly receive. If you are on the short list for a raise at work, wait until you get that raise before submitting your application. Keep in mind that aside from approving or denying the application, your household income amount is also used to determine the credit limit that the company will give you. The more income you can state on the application, the higher your credit limit will be (in most cases). The last thing you should do in your pre application process is reduce your debt as much as possible. If you can pay off some loans, do so. Even if the loans are small, paying them off shows the credit card company that you are financially astute.


    Online Pre Application Tips For Credit Cards
    The History Of Kayaks


    Canoeing and Kayaking go back to the dawn of human culture. The word "kayak" literally means "hunter's boat." The kayak was useful for transport, but it was a miraculous hunting tool, facilitating a quiet approach towards one's desired prey. The covered deck of the kayak made it more sea worthy and better able to shed waves than the traditional canoe. Kayaks are mostly used during summer months, primarily for hunting and fishing. Similar to the kayak, the umiak is a larger boat which can carry up to 20 people. The umiak and the kayak existed side by side, both finding useful niches for transporting and hunting throughout history. Kayak design varied according to the specific needs of inhabitants of particular regions. For instance, early kayaks designed by inhabitants surrounding the Bering Straight were wider and shorter. Whereas the kayaks from Greenland were sleek and low. Kayaks from Baffin Island were wider and longer. The kayak was first created by the Inuit, an artic people. Interestingly, despite being the birth place of the kayak, very little archaeological evidence of the covered kayak can be found on the Siberian Coast. Early Eskimos made kayak frames using driftwood, and early kayaks were wrapped in sealskins. In fact, most early kayaks were fabricated using wood for the frame and then tied together using sinew, or tendons, with a seal skin cover. Kayaks were virtually unsinkable with air filled seal bladders. Today, very few traditional skin kayaks are still in use and the knowledge of their construction is quickly fading. Other early kayaks were made from whalebone or driftwood. The materials that have been used to make a kayak have changed significantly with the years. Europeans eventually discovered the versatility of the kayak, and kayaks once designed with sealskins were designed by Europeans with fabric covers. This method continued until the 1950's when a company known as Valley Products began producing the first fiberglass kayak. Then in 1984, the first plastic kayak was introduced. Kayaks continue to become lighter, sturdier, and more versatile. Now there are several types of kayaks designed with various materials suitable for a variety of sporting events. Today, kayaking is accessible to all skill levels, providing a quiet and gas free form of breathtaking travel, exploration and exercise.


    Online The History Of Kayaks
    Wakeboards For Thrill And Action


    If you love to spend your vacation in the water and you are the adventurous type, then wakeboarding is just the sport for you. This board sport is relatively new but has gained popularity during the last few years. In wakeboarding, a boat with a rope tows the rider. The rider rides on a buoyant board, called a wakeboard, and uses the wake to launch himself up into the air and then back into the water. Though this may sound simple, there are quite a few tricks and spins to learn before you can master the sport. The essentials for wakeboarding are wakeboards and wakeropes. Wakeboard length varies between 120 and 150 centimeters and the wakeboard width is between 40 and 45 centimeters. Beginners should begin with longer wakeboards with square edges or square rails. Square edged boards are more stable and easier to control, though round edged boards are easier to land. Round edges also allow boards to easily gain speed, providing quicker lifts during air tricks. Krown, Hyperlite, Liquid Force and CWB are specialized wakeboard manufacturers and their wakeboards cost between $350 to $600. Experienced wakeboard riders also take into consideration the rockers, fins, bindings and the design of the board. Bindings or boots provide a secure attachment to the boards and should provide a comfortable support for the heel and ankle. Wakeboard ropes vary in elasticity and length. The length of a wakerope is normally between 60 and 70 feet. They may be one piece, which does not allow any length adjustments, or may come with adjustment loops. A tighter and stiffer rope allows little stretch and is used to perform air tricks. Wake boats nowadays come with wakeboard towers. Instead of the rope being mounted on the back of the boat, the rope is mounted on a tower, which is normally 2 to 3 meters from the water level. Wakeboard towers allow a better pull and stability and also enable a rider to gain more air height while performing tricks. The towers also provide additional space for wakeboard racks, wakeboard speakers and lights. Fly High and Skylon are the more established wakeboard tower manufacturers and the price ranges from $900 to more than $2000. Wakeboard accessories add color to the sport. Wakeboard speakers may be attached to the towers and can be used to play music or to give instructions to the riders, especially beginners. Waterproof covers are also available for the wakeboard speakers. If you want to flaunt your skills at night, then you can also add wakeboard lights. Handles should be comfortable to hold on to and most come with rubber padding. Beginners should also use wakeboard helmets for additional safety. Eye catching wakeboard apparels are also available with wakeboard dealers.


    Online Wakeboards For Thrill And Action
    Get Real About Business Card Design


    Ever picked up a copy of one of those "Best of Business Card Design" books? The ones filled with glossy photos of business cards made of "special materials" using "innovative printing techniques"? While I admit it can be fun and occasionally instructive to peruse these award winning business card designs, I think these books often confuse more business owners than they help. How? By fostering the notion that a business card has to be radically different, trendy and expensive to be effective. It's time to get real! "Cool" doesn't sell your product. "Trendy" doesn't pay the bills. And "Wow, what a great card!" is flattering, but hardly an income guarantee. Ever seen one of those expensive Super Bowl TV ads, where afterwards you can remember the commercial but haven’t the foggiest idea what product it was promoting? Same principle. A business card can be a masterpiece of graphic design and do you absolutely no good as far as convincing someone you just met to give you a call, visit your website or drop by your store. The truth is that a fairly ordinary business card can be an extraordinary marketing tool, if used wisely. Now don't get me wrong I am not advocating the use of a generic, black text on white stock, flimsy card ordered from the local quick printer, or an attractive but ad supported "free" business card ordered online. And splurging on a custom designed business card is definitely appropriate in certain industries and certain business situations. What I'm saying is that an attractive, legible, customer focused business card is good enough for most people in most circumstances. Even if it’s designed on a website that offers business card templates which can be used by an unlimited number of other business owners. Even if the graphics or clipart aren’t original. Frankly, it’s more important to get a decent card circulating than it is to let customers slip by while you’re endlessly tweaking the “perfect” business card. So what is “good enough”? Your business card should be attractive. It should look professional, be of standard size and weight, use color well, catch the eye, and be different enough from your competitors to make your card stand out but not so different that you seem out of touch. Your business card should be legible. No tiny text. No crazy mish mash of fonts. No crossed out phone numbers or dingy food stains. Each word should be there for a reason, carefully chosen to given recipients a reason to remember you and encourage them to use your product or service. This means that business cards should also be customer focused. Though a business card contains your company name and contact information, its purpose is less about you than it is about showing your prospective customer that you understand their needs and that your company can meet them. A business card design that is “good enough” may look little different than those used by others in similar professions. But if it goes beyond the typical business card to include information that reassures or informs prospects (such as testimonials, store hours, special services or solutions to common problems), it will certainly out perform a fancier but less customer centered card. And let’s also “get real” about what a business card is, and what it can do. Yes, it’s a powerful marketing weapon. But c’mon, it’s a 2.5” by 3.25” bit of paper. No piece of paper, no matter how innovative or elegant, can override a prospects’ instinctive distaste of a salesperson who’s arrogant, uncaring, or completely clueless. You may find that people love your card and that you just can’t seem to keep enough of them in your wallet – but if you never hear from the people you give them to, there’s something wrong. After all, there are plenty of superstar performers using bland, impersonal company generated business cards with outstanding results. In the hands of a personable and articulate company representative who really listens to what a prospective client wants, a “good enough” business card will outperform a graphic designer’s dream card every time.


    Online Get Real About Business Card Design
    Vacant Property Insurance


    It can be a difficult task to obtain the insurance coverage that you require for an vacant property that you currently have in your possession. This is due to the fact that insurance providers have the opinion that there is a greater risk to be taken when insuring an vacant property and that these properties have a greater need from insurers than the typical occupied property. There is of course the increased risk of vandalism and the similar when dealing with vacant properties. These properties are subject the vandalism as there is no presence on the property to curb the vandals. They do not have the fear associated with getting caught and as such as not hindered in this action. There is also the problem of the throwing of bricks through windows as well as an increased likelihood of fires and general property destruction. Squatters are another issue on these properties as they can be unoccupied for long periods and the owners can often neglect to keep proper tabs on the property as well. This leads to the squatters having free reign on the property and they may also cause untold damages as well. The damages that occur on unoccupied places are also not quickly detected and as such can lead to the development of the problem into one that is more serious. Another issue of concern is whether the property is carded to be let in the future. Many insurance providers also run from this situation as it can result in the neglect of the property from the tenants as well. Not everyone is lucky enough to get good tenants that take care of their place as if it was their own. There are several reasons that vacant property insurance may be required and these include incidents where there has been the death of the previous owner and where the property goes to estate and is on sale. There may also be periods where the property is in the process of a change of ownership, if you are completing repairs and if the property is unsuitable for occupation. You must ensure in these periods that the property is covered specifically by vacant property insurance. Vacant property insurance providers have to make certain that there is a reduction in the probability of losses occurring on the property that they are thinking of covering. These procedures can include regular inspection of the property, sealing off windows and letterboxes and other types of risk management procedures. In some cases, the coverage provided can be restricted to only some areas. In instances such as this it is essential that the cover is sufficient and handles risks that may be incurred on the property in question otherwise the coverage will not make any sense. In order to source the right coverage it is possible that you may look on the internet and compare between providers. This will ensure that you attain the best deal possible where you get the best coverage for the lowest premium.


    Online Vacant Property Insurance
    Causes And Remedies For Urinary Tract Infection


    : Women who are more sexually active are the greatest victims of Urinary tract infection or the infection of bladder or the kidneys. However, men also suffer from this infection but mostly after the age of 50. Urinary tract infections are commonly caused by a bacterium that travels from the urinary duct or urethra into the bladder. Amongst women, pregnancy, sexual intercourse, diabetes or a past urinary tract infection leads to such kind of infection. The risk also increases when they wipe from back to the front after a bowel movement. Typical symptoms include necessity to urinate frequently with the inability to pass more than a small amount or pain and burning sensation during urination or even dribbling or leaking during day and while sleeping. It is also possible that the urine develops a foul odor or become blood specked. Do’s while you have a urinary tract infection 1. You should take antibiotics as prescribed by your physician. Make sure to take all the medication even though the symptoms disappear because if you stop the treatment early, some of the bacteria may survive and infect you again. 2. Take plenty of rest and if fever persists for long, stay in bed until it gets to normal and you feel better.

    3. Drink 6 to 8 soda can size glass of fluids especially water each day to flush out your kidneys and wash out the germs from your urinary tract. If you drink cranberry juice or take vitamin C it shall help to make your urine more acid and keep the infection under control.

    4. Urinate as often as you feel the urge and try to empty the bladder completely every time before and after sex. 5. Avoid intake of caffeine or alcohol during the treatment as this irritates the bladder. 6. Take showers rather than taking bath each day and wash the genital area with soap and water.

    Never use bubble bath or bath oils. 7. Also remember to wipe from front to back after urinating or having a bowel movement because this reduces the chances of germs getting into the bladder. It is also advisable to wear a panty with a cotton crotch.

    8. Maintain your follow up visits regularly to cure the infection or else the lingering infection could even damage the kidneys.


    Online Causes And Remedies For Urinary Tract Infection
    How To Get Affordable Home Insurance In Georgia Online


    You can find affordable home insurance in Georgia online by doing a specific search for just that – “affordable home insurance in Georgia.” As you are searching databases of insurance companies that provide Georgia homeowner insurance, keep the following in mind: Set aside enough time. The Internet makes allows you to find a great deal of information in a short amount of time, but home insurance is a more important purchase than anything you will buy on eBay. You will be spending money to protect your home, so you want to get the best coverage for the best price. Shop around and compare various home insurance policies in Georgia before making a decision. Remember to check out the Georgia Department of Insurance website. The Georgia Department of Insurance website has a plethora of information for homeowners seeking affordable home insurance in Georgia. On the website you will find a thorough brochure about how to protect yourself and your home against natural disasters (and Georgia is certainly prone to them!), as well as a nifty little tool that allows you to compare homeowner insurance policies and rates. Contact the Consumer Services Division of the Georgia Department of Insurance with any problems. The Consumer Services Division handles all matters concerning home insurance in Georgia between policyholders, agents, and insurers. If you have a complaint or an unsettled matter, simply contact the Consumer Services Department to have the problem evaluated and solved. The insurance company must be licensed in Georgia. There are many sketchy “insurance companies” out there that are here today and gone tomorrow. Unfortunately, “gone tomorrow,” for policyholders, may mean unsettled claims and lost money. If you have a problem with an insurance company, the Georgia Department of Insurance can’t help you if the insurance company in question is not licensed to sell home insurance in Georgia. Always make sure the company is licensed in Georgia before purchasing a home insurance policy.


    Online How To Get Affordable Home Insurance In Georgia Online
    Brits Swap Borrowing For Saving


    New figures have shown that Britons are saving more and borrowing less. IFA Promotions' quarterly Savings Break report has revealed that Britons are borrowing ten pence for every pound saved. This is down considerably on past levels and it suggests that people are finally responding to concerns over the high level of consumer debt, with many people focusing on getting their finances back in shape via regular saving and debt consolidation. In recent years, Britons had been caught borrowing more than they saved, causing concern. However, the latest figures show that borrowing is a fifth of what it was at the end of 2005 and a third below this time last year. David Elms, chief executive at IFA Promotions, hailed the latest figures as "fantastic news", with the nation seemingly reigning in its spending. However he expressed concern that Britons are still far from financially secure. "At first glance, it seems that consumers have started to develop joined up thinking when it comes to their budgeting behaviour, making the link between their spending, borrowing, saving and long term financial security, but this may not be entirely the case," Mr Elms said. "Now is a period of much economic uncertainty and with a rise in interest rates hotly anticipated, consumers are simply behaving in the way you would expect avoiding taking on new debts and piling what funds they have into savings." Mr Elms argued that people still needed to work towards long term improvements in their ability to budget and accept "sustained financial pragmatism". © Adfero Ltd


    Online Brits Swap Borrowing For Saving
    Credit Cards And Minimum Payments Living In Debt


    Many people love their credit cards. It’s a fact of life and the figures bare this up. If you look at the rate at which UK credit card debt is rising it is quite amazing. Millions are being spent all day every day in an endless frenzy of spending. Pretty soon, three quarters of all adults in the UK will have credit cards and if you were to ask any of them to give theirs up, you can bet their answer would be no. The convenience and security of carrying a credit card is so great that once people experience it, they rarely go back. One of the favourite features of credit cards for many people is the minimum repayment option. This is usually in the region of five pounds or two per cent. This means that even if you spend a thousand pounds on a shopping spree, your bill at the end of the month could be as low as twenty pounds if you choose to make the minimum payment. And this is what people do. It is what credit card providers want you to do, as it is how they manage to rake in billions in profits every year. If you do have a significant outstanding balance, then making the minimum repayment is one of the most dangerous habits you can get into. Most minimum payments will barely cover the interest and finance charges that are due on the balance. This means that you are really just servicing the debt. This is what many third world countries are forced to do with their national debts and most people do not want to be the personal equivalent of sub Saharan Africa do they? Servicing debt means you pay the interest due, but pay nothing against the principal debt. So all those monthly payments that you make are doing absolutely nothing to reduce the amount you owe. If you continue spending on the credit card, the minimum amount, required simply to service the debt, will grow and grow each month. And all the while you are paying back nothing. If you aspire to becoming debt free, then you really have to pay a good deal more than the minimum payment level. Also, if you are serious about clearing your credit card debt, but recognise that it is going to take you more than just a couple of months, you may wish to consider consolidating the debt.


    Online Credit Cards And Minimum Payments Living In Debt
    Travel Hong Kong 12 Must See Places


    Hong Kong features a diverse mixture of characters as a result of long British occupation and a great Chinese influence. As a state of China, Hong Kong provides a good introduction to who ever wants to know more about China without entering the mainland plus a venue for more attractions with western culture and Asian spirit. 1. Hong Kong Museum of Art – Located at 10 Salisbury Rd Tsim Sha Tsui, Kowloon, the Hong Kong Museum of Art is open to anyone who wants to take a glimpse of Hong Kong’s culture and history through its large collection of over 14,000 items ranging from calligraphy, paintings, Hong Kong treasure, art objects, antiques, and lithographs. The museum is open from 10:00am 6:00pm daily except Thursday (public holidays not included). 2. Hong Kong Disneyland – The newly open and the first ever Disneyland in Asia offers total fun and excitement for the whole family. The park is divided into four major attractions: Tomorrowland, Adventureland, Fantasyland, and Main Street, USA. 3. Victoria Peak – Soaring 1810 feet above sea level, the Victoria Peak is premier destination for tourists who want to take a birds eye view of downtown Hong Kong, Kowloon, and Victoria Harbour. Go another step higher and take a 10 minute hike to the actual Victoria Peak. 4. Lantau Island – Travel Hong Kong and take a cruise around the waters of Lantau Island and watch pink dolphins that only live in this waters. 5. Ocean Park – Travel Hong Kong and visit Ocean Park. This is one Hong Kong attractions where you and your kids will have a great fun. The park is one big oceanarium containing Lowlands Gardens where pandas live, goldfish pagoda and butterfly house are located, Marine Land where atoll reef and shark aquariums are found, and Headlands amusement park where you can go and take a ride with cable cars and roller coasters. 6. Water World – Travel Hong Kong with kids would never be so much fun without taking a plunge on Water World. Enjoy wave pools, play area, and water slides. 7. Middle Kingdom – A miniature China that houses Chinese shrines, street scenes, temples, and palaces only at Middle Kingdom. 8. The Central district – If you travel to Hong Kong because you love to shop, you better go to the central Hong Kong district where big shopping malls and several Western designer and signature boutiques are located. 9. Lamma Island If you want to see a different Hong Kong, try Lamma Island. It hosts several outdoor activities such as swimming and hiking. And if you love to taste fresh Hong Kong seafood in great dining ambiance, Lamma Island is still the preferred place to go. 10. Ten Thousand Buddhas Monastery (Sha Tin) – Located at New Territories, the Ten Thousand Buddhas Monastery features Buddha in different poses and colors. 11. Hong Kong Space Museum – See what’s in store for you in the future at Hong Kong Space Museum. The complex offers hundreds of displays ranging from telecommunications, robotics, energy, computers, and physics with hands on experience that will keep you interested. 12. Wet Market – In Hong Kong, everything is fresh. And when they say fresh, they mean it. If you happen to travel Hong Kong to visit a friend or someone you know, come along when they go to wet market where the freshest among freshest seafood are for sale.


    Online Travel Hong Kong 12 Must See Places
    Get The Benefits Of Good Value Auto Insurance


    Tip 1: Try and increase your 'excess' or 'deductibles'. The excess is normally the amount you pay for a claim before your insurance makes the contribution. Since most of us do not claim all deductions due to insurance premium escalation, it is wiser to keep the deductible at the lowest, most comfortable level. For example, if you increase your collision deductible from say Ј200 to Ј500, you will end up saving 15% to 30% on your annual auto insurance premium. Tip 2: While filling out your auto insurance application, always drop the collision coverage. Collision coverage covers the cost of repairing damage done to your car regardless of who was at fault. In the event that you drive an older car, always consider dropping collision coverage if your premium works out to more than 10% of the car's value. Tip 3: There are certain special discounts available on auto insurance, especially if you have a security alarm, anti lock brakes or air bags installed in your car. Avail of them, by informing the insurance company that your car has these features. Tip 4: Avail of any 'good driver' discounts on your auto insurance premiums if you have been a good driver and been accident and ticket free for the past few years. Tip 5: Never opt for an auto insurance company that has a bad record in paying out claims. Although they can afford to offer lower premiums, your money is going down the drain, if you cannot claim when you need the coverage the most. A reputable and financially stable insurance carrier will make sure your claim is handled quickly and that your claim is paid on time. Check out the reputations of your carrier at . ambest. com. The site will also help you check on the financial strength of your company. Don't forget to ask your agent about the stability of the company before placing your coverage.


    Online Get The Benefits Of Good Value Auto Insurance
    Rhianna Gets Her Husband Back


    Rita and Bill’s marriage anniversary was disturbing. 40 years together seemed to be too much but when Bill looked back over their fate together it seemed as though it had passed too rapidly. They still sat and gazed at one another wondered, passion oozing from every pore. They had always exercised a ardent sex life – constantly practising and dressing up for one another – Bill was convinced that this was the cause they had such an incredible couple – they liked proving new sexual activities and were usually searching new ways to animate one another. Evidently that was altered as they got older but, in comparison with some of his golfing buddieswho always said that their ladies were frigid, Bill had no such problem. At 66 Rita was still gorgeous and although the years had taken their toll, overall they had been kind and she had kept her long firm legs, trim figure and friendly smile. Bill desired her so much and really desire to thank her for all the years of passion and good moments that she had offered him. He had a weekend to go and set about designing a trip to Paris and a romantic dinner, followed by a night in a luxurious hotel with all the trimmings! He had some doubts about his prostate function as he saw the doctors for check up. Plans were at first place on his mind and he barely listened when the healthcare provider told him that he had a prostate disease. Suddenly the words, “Problems getting an erection,” destroyed his plans. “What?” he shouted, astonished. “How long will this last?” The GP illustrated that he should only wait for healing by using the medicine and then with any luck he would experience erections again. Life without sex? Bill was dismayed he knew he had enjoyed sex for a long time, but frankly he didn’t want to give up. He restored his composure and asked the doctor if there were any drugs on the market that may support him and the GP told him about Viagra. with some data, went home to remedy his problem. Without getting depressed, he straight away discovered a website presenting generic Viagra and also generic Cialis, which seemed to last for a whole weekend. Bill felt raised his spirit, this would not even mark as a malfunction on his sexual record – he was certainly not afraid to get help when he needed it and he wasn’t humiliated at all – “Such is life when you are retired,” he thought to himself. “This may even be funny!” He went on with his plans and took his new drugs, and also some generic Viagra when required and the month passed pleasantly. his strategies were perfect. Rita was speechless and touched him for the whole flight to Paris. When they arrived, the hotel was so modern and Bill had purchased champagne and flowers and chocolate covered cherries – they were like young people on their honeymoon. Bill looked at Rita’s shimmering face and felt happy that he had her in his life – what a weekend they had. As the moonlight covered them as they walked along the Seine to their hotel, Bill was self confident that he could still act like a young guy when it really mattered and he kissed Rita as he had never kissed before…


    Online Rhianna Gets Her Husband Back
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