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

Buying Shoes Online – Help and Advice For When Purchasing Shoes Online

A few years ago, if you were looking to purchase a new pair of shoes, you went off to a department or shoe store; Looked around, tried a few pairs on and took your purchase home that day. These days, more and more people are deciding not to go into town, and buying their shoes online. Now, I believe this is partly because we've become more busy, but mostly because we now have access to brands, designers, styles and sizes that are not available to purchase in our local shoe stores. If you feel the need for a women's size 14, extra-narrow (or wide), red pump with a 3 inch high heel, chances are, you'll find it at one of many online shoe stores.

However, not all online shoe stores are the same. So i have put together some advice, and things to look out for when buying shoes online.

1) Post and packaging Charges: The Added Cost when Buying Shoes Online.

Always find out what the P & P charges are before spending lots of time adding items to cart or shopping bag. You may think you're getting a bargain on all those shoes, but if P & P cost is too high, you may end up paying more than anticipated. Especially when ordering from a country other than the one you live in. Lots of online shoe shops offer free P & P, which is great! But do some price comparisons before you purchase. Sometimes, you'll get a better deal at an online shoe shop that charges a reasonable price for P & P, and still save EKK.

2) Returns / Exchanges – Know the Policies in Advance.

Another major factor in buying shoes online, is being able to return or exchange them if there's something wrong with them, they do not fit, or just are not the way you thought they would be. Most online shoe stores will have a returns policy, but DO NOT take it for granted. Make sure before putting in those card details, that you'll be able to return the unused shoes for any reason.

Ok, if you're taking a chance on a heavily discounted pair of shoes, then you may decide to buy without a return policy. But you still need to know what your rights for that sale are before buying.

Also, find out in advance if you'll have to pay the return postal fees, if you do decide to send the shoes back.

3) Want your Shoes quick? Check delivery Times. If its an absolute must that you have a certain pair of shoes by "xx" date, I strictly advise buying them in person at an actual shoe shop. Or ordering them well in advance, and that there are other options available if your shoes do not arrive in time.

I AM NOT saying that online shoes do not post out in a timely fashion! In fact, I have purchased many pairs of shoes online, and they have all arrived in record time, but why take any chances?

Again, find out the delivery policy of the online shoe shop you're buying from, and make sure the shoes are buying are actually in stock! If they are backordered, this could add weeks till you get them.

~ Summery ~ As long as you buy from reputable online shoe stores and pay extra attention to the info above, buying online is an excellent way to save time and money; and to give yourself the biggest choice when buying shoes online.

Different Types of A Financial Calculator To Choose From

If you are making some financial goals for the future, whether it has to do with your mortgage, investments, car loans or even managing your debt, being able to calculate things like your returns, the time period for which you need to save or how much you need to save is important.

With the various resources now available to you via the internet, you no longer have to wait on a meeting with the experts to give you the information you need. Instead, you can now use the resources available to you online to get started today.

One of the most important resources that you will find online as it relates to planning your financial future is a financial or money calculator. There are many different types available, and so you will need to choose the one appropriate to you based on your area of interest.

Mortgage Calculator: This calculator can be used to determine your monthly payments based on the interest rate and terms of your mortgage. As a result, you will find that there are different versions of this calculator available. There is a calculator for fixed mortgages and also one for adjustable rate mortgages. There is even a calculator that will help you to compare the two different types of mortgages to see which will suit you best. In addition, if you are thinking about refinancing or buying a new home, there is a mortgage calculator that will help you to determine the terms which will be most favorable to your situation.

Car Loans: This calculator will help to give you the confidence you need when dealing with the dealer of your car financing. You can use this calculator to check the terms of your loan and determine your monthly payments. In addition, you can also use the car loan calculator to compare various loans and choose the one with terms most appropriate for you.

Credit Cards: Today many persons are consolidating their credit card debts in order to pay off their credit card loans faster and also to be more consistent. You can use this type of financial calculator to help you determine the amount that you will need to pay in order to complete the payment of your credit cards by a set date. You can also use this calculator to help you see the difference it will make if you choose to make fixed payments to your credit cards instead of just paying the minimum amount.

Investing: If you are thinking about investing or have started to do so, financial calculators will help you to determine the amount you need to save in order to reach your goal. It can also be used to determine the amount that your investment will earn over time.

There is also a calculator for retirement planning, managing your debt and your personal finance. Basically, any type of calculator that you need to plan your financial future can be found online. The calculators are also very easy to use and most of all they are free.

Shoe Storage – The Shoe Aficionado’s Friend

You may not be in Imelda Marcos's league (in the 1980's, the widow of former Philippine president Fernando Marco was infamous for, among other things, her collection of more than 3,000 shoes), but you're no slouch in the shoe department. You have shoes for everyday wear, for your dancing nights on the town, and for each of your athletic pursuits. Oh, and you just found a great shoe sale, so you'll be adding to your already more-than-adequate shoe supply. Maybe it's time to think about shoe storage.

Stacking your shoes on the closet floor or lining them up under your bed might work, but if you want to be able to find just the right shoe at a moment's notice, a more organized form of shoe storage can do the trick.

With so many types and style of shoe organizers on the market, the only trouble you will have with shoe storage is deciding which one to choose.

Here are a few of your options:

If you want to keep your shoes out where you and others can admire them, consider a standing, rotating, shoe tree to display your collection. You'll find spinning shoe trees in attractive finishes like metallic bronze, and the best come with racks that can be adjusted vertically. Look for a rack with a weighted bottom to keep the stand from tipping over.

If you want the ultimate protection for your shoes, take a look at canvas shoe drawers, where you can hide your shoes away from dust and potential scuffing. You can find shoe drawers either as free-standing or hanging units. With shoe drawers, you gain the added flexibility of being able to store other items, like scarves, socks, or belts.

If saving space is an issue, how about an over-the-door shoe rack? Over-the-door shoe racks come in several styles, everything from a bamboo rack for your flip-flops and sandals to racks with fashionable wood frames and chrome inserts.

With the proper shoe storage , you'll always have room for that perfect new pair!