Carrying balances of more than 30% of your available limit, hurts your credit. Pay off the credit cards.
If you have derogatory items on your credit report, negotiate settlement. Start with the newest and work back to the oldest. Be sure to get any settlement agreement in writing and keep it, along with your payment proof, forever. Do not give collectors direct access to your bank account.
Paying old debt won't improve your score. But creditors look at your whole credit report not just the score. Paid old debt looks better.
You will need at least 24 months of consistent, on time payment history to improve your score.I NEED SOME ADVICE ON BUILDING MY CREDIT BACK?
You know that section below your ';headline'; where you can leave a more detailed message? It would be great if you could use it.
Please send your message again and include this information:
Country and state you live in.
What is your credit score and what are the problems that you are having with your credit.
While we don't need to know which credit card company you are with it would be helpful if you at least gave us a total of your available credit and how much of it you already used. It can be done in percentages...
(example card a is maxed out, card b has 50% of available credit limit left...
Whether you have ';bad'; entries and how old they are....
We don't mean to pry.... but without any idea of what it is you are dealing with.... all we can do is give you very generalized instructions
as in: pay down your debt and don't use too much credit.
I NEED SOME ADVICE ON BUILDING MY CREDIT BACK?
If you have $500 in a savings account, convert it into a secured credit card. Most banks can set it up for you. Do not go to a credit union because most do not report to the credit bureaus in order to keep the cost down.
I would recommend 2 things: 1) a very low cost (possibly free) credit repair program to try to have the negative items removed. 2) I would add a tradeline program to boost your score quickly (60 days or quite possibly less). A friend in California used this and got a 120 point bump from 560 to 680. My friend in California went through www.totaldebtsolutionsllc.com and called their toll free# or filled out the free evaluation form to get the ball rolling. Good luck.
Start small first- go with a secured credit card. You send the credit card company a check for whatever ';credit limit'; you want. If you send $200 then that will be your credit limit. Make the small monthly payments on time and it will make a difference on your credit report.
If you have a checking account, go to the bank where you have the account and speak with the Branch Manager. Tell the Manager that you need his/her help obtaining a loan to build back your credit. Open up a savings account specifically for this ';loan';. Let the Manager know that you'd like to borrow a small amount ($500-1000) and that same amount will remain in your savings account. Every month you will pay the monthly payments until the loan is completely paid back. In the meantime, work with the Manager to make sure your payment history for this loan will be reported to all 3 credit burureus (Experian, TransUnion, Equifax).
Good luck!!
You should have 5-7 tradelines going at all times (credit cards, loans, mortgage, etc. are all considered tradelines). NEVER charge more than 50% of available credit. For example, you have a $1,000 credit card limit, you should never charge more than $500. ALWAYS pay your bill on time. Do not go 30 days late or it will hit your credit reports and continue to bring your scores down. If your credit is really bad and you can not get any credit cards and have no open credit cards, go to your local bank with $500 if you can and open a secured line of credit. You will be using your own money but it will be reported to the credit bureaus as a credit line that you are paying on time and will help build your credit.
Thursday, May 13, 2010
I need some advice on building a remote control car.....PLEASE!?
I am using these plastic wheels (i have to) but they are very slippery and the 9.6V battery just makes it spin and it is hard for it to get traction and/or torque......what can i put on the plastic wheels to get traction?I need some advice on building a remote control car.....PLEASE!?
find some rubber if not put it on the carpet and see if it worksI need some advice on building a remote control car.....PLEASE!?
mayn selll that thang thang on ebay ya heeeeard ma
find some rubber if not put it on the carpet and see if it worksI need some advice on building a remote control car.....PLEASE!?
mayn selll that thang thang on ebay ya heeeeard ma
So i'm building the my pokemon team and i'd like advice on what pokemon should i add to it?
I have:
Mewtwo
Rayquaza
Espeon
Umbreon
Milotic
who should be my 6th?So i'm building the my pokemon team and i'd like advice on what pokemon should i add to it?
Well my sixth would be a salamance or any strong dragon pokemon. I would choose them because dragon pokemon are my favorite and they have excellent stats and all-around they're good.So i'm building the my pokemon team and i'd like advice on what pokemon should i add to it?
Why Don't choose from this:
An ice type for it has the most of the advantage in battles.
OR
A Fire Type...
My Team In my Pokemon game is only composed by 3 Pokemons
An Electric type Luxray,
A Fire Type Infernape,
And a flying type skarmory
hope it helps
What game? If its Emerald,Ruby,Saphire i would i like blakisen since you dont have a fire type in there. if its like diammond,Pearl, Plantinum, Probably on eof hte starters i recomend starters they are very good.
Hi guүs :)
Have you aΙl got зωіnky үet? You can dөsign үoυr own 3d avatar wһich ωorĸs wөll wіth hi5 and мy sрaсe. Gөt it here freө, http://sofflirervat.petgor.com іt's tοtalΙy аwesomө, өverybody'ѕ using zwinky, don't Ьө lөft ουt!
Rhyperior or Ramparados
garchomp
pure genius
Mewtwo
Rayquaza
Espeon
Umbreon
Milotic
who should be my 6th?So i'm building the my pokemon team and i'd like advice on what pokemon should i add to it?
Well my sixth would be a salamance or any strong dragon pokemon. I would choose them because dragon pokemon are my favorite and they have excellent stats and all-around they're good.So i'm building the my pokemon team and i'd like advice on what pokemon should i add to it?
Why Don't choose from this:
An ice type for it has the most of the advantage in battles.
OR
A Fire Type...
My Team In my Pokemon game is only composed by 3 Pokemons
An Electric type Luxray,
A Fire Type Infernape,
And a flying type skarmory
hope it helps
What game? If its Emerald,Ruby,Saphire i would i like blakisen since you dont have a fire type in there. if its like diammond,Pearl, Plantinum, Probably on eof hte starters i recomend starters they are very good.
Hi guүs :)
Have you aΙl got зωіnky үet? You can dөsign үoυr own 3d avatar wһich ωorĸs wөll wіth hi5 and мy sрaсe. Gөt it here freө, http://sofflirervat.petgor.com іt's tοtalΙy аwesomө, өverybody'ѕ using zwinky, don't Ьө lөft ουt!
Rhyperior or Ramparados
garchomp
pure genius
Need your advice on building desktop applications.
I have a great idea for an application but I am somewhat hesitant to pay the large fees developers charge. The principal behind the application/software is very simple so I want to know if there is a software I can use to build it. I do not know the first thing about building software so I have no idea where to start. I suppose I have to start somewhere I guess. Please could you point me in the right direction to getting started. Do I need to buy any software or books or is there any sites out there that could help me. thank you in advance.Need your advice on building desktop applications.
First of all developers do not charge large fees. We have to make a living just like you do. There is a very large cost involved in actually becoming skilled at programming. I'm not talking the hobbyist programmer here, but a person who has taken the time to become skilled at what they do. I doubt what you do to make a living is done for free either. Nor does it require you to constantly acquire knowledge practically every day. This is quite common and done usually at the programmers own expense.
With that said you can post this on a freelance website and solicit bids anon. You can control the amount you spend by only accepting bids that are in your price range. There are some good programmers out there that would do this work very reasonably. At least reasonable from my point of view.
Before you even begin, I suggest getting a NDA drawn up by a qualified attorney who understands digital rights contract law. Otherwise you might find your application getting stolen.
Need your advice on building desktop applications.
You might be able to find a developer with an entrepreneur spirit who will build it with you for a cut of the profits. Know any friends or acquaintances who write software?
Microsoft provides free editions of their software packages used to write software along with lots of tutorials on how to write software.
http://www.microsoft.com/Express/
you need to learn programming
desktop apps are made with programming languages such as c++, c , c#, java, python, flash air
python.org
http://forums.sun.com/thread.jspa?forumI鈥?/a>
adobe.com
eye color
First of all developers do not charge large fees. We have to make a living just like you do. There is a very large cost involved in actually becoming skilled at programming. I'm not talking the hobbyist programmer here, but a person who has taken the time to become skilled at what they do. I doubt what you do to make a living is done for free either. Nor does it require you to constantly acquire knowledge practically every day. This is quite common and done usually at the programmers own expense.
With that said you can post this on a freelance website and solicit bids anon. You can control the amount you spend by only accepting bids that are in your price range. There are some good programmers out there that would do this work very reasonably. At least reasonable from my point of view.
Before you even begin, I suggest getting a NDA drawn up by a qualified attorney who understands digital rights contract law. Otherwise you might find your application getting stolen.
Need your advice on building desktop applications.
You might be able to find a developer with an entrepreneur spirit who will build it with you for a cut of the profits. Know any friends or acquaintances who write software?
Microsoft provides free editions of their software packages used to write software along with lots of tutorials on how to write software.
http://www.microsoft.com/Express/
you need to learn programming
desktop apps are made with programming languages such as c++, c , c#, java, python, flash air
python.org
http://forums.sun.com/thread.jspa?forumI鈥?/a>
adobe.com
Hi i am planing on building a gameing pc but need some advice on what graphics card to go with?
I only have a budget of 拢110 but i whant something that will play crysis on full settings could you check out this website then advice me
http://www.cclonline.com/product-categories.asp?category_id=124Hi i am planing on building a gameing pc but need some advice on what graphics card to go with?
Try going with Nvidia Geforce 9800GT, or an ATI Radeon Hd series, one of those will be good to run.Hi i am planing on building a gameing pc but need some advice on what graphics card to go with?
if your screen's resolution is less than 1366x1024, settle with nvidia 9600gt 512mb ddr3 1066.
that can play crysis very well, no frame drops or lags, overclock it using rivatuner or Vtune. buy Palit's 9600gt because it features extremely large copper finned heatsink. and good overclocking capabilities. save the other 30 pounds for more ram.
or try the ATI HD4670, everything at full resolution and graphics settings on high. but without antialiasing, which the 9600 gt can offer. the HD4670 is a powerful card for medium gaming. which ati calls' mainstream gaming' it's too powerful for mainstream and very cheap.
but if you're on a tight budget, why not combine two hd4670 on your mobo for crossfire? that's if it's crossfire capable.
two hd4670s are more powerful than an nvidia 9800gt for a fracton of the cost. it costs less than 80 dollars!
On your budget try the Nvidia 9800GT or if you are willing to spend a little more the ATI HD4850. These are both very good video cards and they will handle Crysis very well.
NB: I see on the website you can get the GTX 260 for 104 pounds. I would get this video card as it is excellent but make sure you have adequate cooling in your case.
http://www.buildyourown-computer.com/Sho鈥?/a>
The Radeon 4850 (or 4870 if you want to spend a little more) is a fantastic graphics card and can run Crysis very well on very high settings. It is a much better value than any nvidia cards out right now and much faster than most 9000 series nvidia cards (other than the ones that cost twice as much).
here's a useful link: http://www.tomshardware.com/reviews/rade鈥?/a>
they recommend the best graphics cards for each different budget. 110 pounds is about $180.
http://www.cclonline.com/product-categories.asp?category_id=124Hi i am planing on building a gameing pc but need some advice on what graphics card to go with?
Try going with Nvidia Geforce 9800GT, or an ATI Radeon Hd series, one of those will be good to run.Hi i am planing on building a gameing pc but need some advice on what graphics card to go with?
if your screen's resolution is less than 1366x1024, settle with nvidia 9600gt 512mb ddr3 1066.
that can play crysis very well, no frame drops or lags, overclock it using rivatuner or Vtune. buy Palit's 9600gt because it features extremely large copper finned heatsink. and good overclocking capabilities. save the other 30 pounds for more ram.
or try the ATI HD4670, everything at full resolution and graphics settings on high. but without antialiasing, which the 9600 gt can offer. the HD4670 is a powerful card for medium gaming. which ati calls' mainstream gaming' it's too powerful for mainstream and very cheap.
but if you're on a tight budget, why not combine two hd4670 on your mobo for crossfire? that's if it's crossfire capable.
two hd4670s are more powerful than an nvidia 9800gt for a fracton of the cost. it costs less than 80 dollars!
On your budget try the Nvidia 9800GT or if you are willing to spend a little more the ATI HD4850. These are both very good video cards and they will handle Crysis very well.
NB: I see on the website you can get the GTX 260 for 104 pounds. I would get this video card as it is excellent but make sure you have adequate cooling in your case.
http://www.buildyourown-computer.com/Sho鈥?/a>
The Radeon 4850 (or 4870 if you want to spend a little more) is a fantastic graphics card and can run Crysis very well on very high settings. It is a much better value than any nvidia cards out right now and much faster than most 9000 series nvidia cards (other than the ones that cost twice as much).
here's a useful link: http://www.tomshardware.com/reviews/rade鈥?/a>
they recommend the best graphics cards for each different budget. 110 pounds is about $180.
Building a treehouse advice?
What kind of trees can hold up a treehouse?
How should I start building it?
If the place I live gets a lot of rain, will that effect the treehouse?
What kind of maintenence will the treehouse need?Building a treehouse advice?
Basically you want a tree with enough thick branches to support your beams. Pine trees are generally poor choices. Some maples are very good choices. It's a good idea to ';anchor'; at least some of your floor beams in the ';crook'; of a branch.
Beams are 2x6 lumber, and you'll want to get a few of these beneath your ';floor.';
Also, realize that your tree is a growing, changing, living structure -- and your treehouse isn't. That means your treehouse is temporary - eventually the tree will grow and twist (and your beams won't) and you'll need to start over.
And if you're in a rainy climate, you'll want to paint your treehouse to protect it. Otherwise the wood will rot within about 3 years, and you'll fall through the floor.
The fun thing about treehouses is the view, and breezes. So I wouldn't worry about putting up 4 walls, of if you do, make huge windows. With no windows or small windows, you're just sitting in a box that happens to be in a tree.
Most of my treehouses have been a roof and a floor, basically a pavillion up in a tree - affording a 360degree view and wonderful breezes.
Some ideas for you. I've built numerous treehouses, and they're alot of fun, but they're temporary. Enjoy.Building a treehouse advice?
I would build a self standing platform around the tree. No nails in the trunk. Then you can be more liberal about your tree selection.
1. draw it on paper. graph paper works best, make each graph intersection equal one foot and go from there. this makes counting your lumber easy.
2. concrete piers in the ground are best. dig them at least 16';x16';x16';. stand them out of the ground about three inches to keep the wood from contacting the soil. the post should be 4x4 or 4x6.
3. floor joists should be at 16'; intervals. use 5 1/4 deck board on the surface. use 2x10 boards for the joist members. place the handrail at 36'; off the deck with boards at 18'; below that. Use pressure treated lumber throughout the project. Either run the deck at a 45 degree angle, or nail sway bracing to the underside of the floor. Either method will stabilize the treehouse and keep it from flopping over.
4. if you plan to install a roof on it, keep it simple and build a flat roof. Elevate one side of the roof one foot higher than the other side for drainage. build walls instead of handrails. use 2x6 rafters to support the roof. and use roll roofing to dry it in.
5. all wood structures left outside need maintenance. pressure treated lumber will last a long time. but you will need to apply wood sealer to it every year.
6. if you live in metro atlanta, IM me and i will come build it for you. if you are cute and single, you get a discount.
This site has a lot of the answers you need including a video as well as step by step instructions with pictures and a list of materials needed. Sounds like this will be fun! :)
http://www.ronhazelton.com/archives/howt鈥?/a>
How should I start building it?
If the place I live gets a lot of rain, will that effect the treehouse?
What kind of maintenence will the treehouse need?Building a treehouse advice?
Basically you want a tree with enough thick branches to support your beams. Pine trees are generally poor choices. Some maples are very good choices. It's a good idea to ';anchor'; at least some of your floor beams in the ';crook'; of a branch.
Beams are 2x6 lumber, and you'll want to get a few of these beneath your ';floor.';
Also, realize that your tree is a growing, changing, living structure -- and your treehouse isn't. That means your treehouse is temporary - eventually the tree will grow and twist (and your beams won't) and you'll need to start over.
And if you're in a rainy climate, you'll want to paint your treehouse to protect it. Otherwise the wood will rot within about 3 years, and you'll fall through the floor.
The fun thing about treehouses is the view, and breezes. So I wouldn't worry about putting up 4 walls, of if you do, make huge windows. With no windows or small windows, you're just sitting in a box that happens to be in a tree.
Most of my treehouses have been a roof and a floor, basically a pavillion up in a tree - affording a 360degree view and wonderful breezes.
Some ideas for you. I've built numerous treehouses, and they're alot of fun, but they're temporary. Enjoy.Building a treehouse advice?
I would build a self standing platform around the tree. No nails in the trunk. Then you can be more liberal about your tree selection.
1. draw it on paper. graph paper works best, make each graph intersection equal one foot and go from there. this makes counting your lumber easy.
2. concrete piers in the ground are best. dig them at least 16';x16';x16';. stand them out of the ground about three inches to keep the wood from contacting the soil. the post should be 4x4 or 4x6.
3. floor joists should be at 16'; intervals. use 5 1/4 deck board on the surface. use 2x10 boards for the joist members. place the handrail at 36'; off the deck with boards at 18'; below that. Use pressure treated lumber throughout the project. Either run the deck at a 45 degree angle, or nail sway bracing to the underside of the floor. Either method will stabilize the treehouse and keep it from flopping over.
4. if you plan to install a roof on it, keep it simple and build a flat roof. Elevate one side of the roof one foot higher than the other side for drainage. build walls instead of handrails. use 2x6 rafters to support the roof. and use roll roofing to dry it in.
5. all wood structures left outside need maintenance. pressure treated lumber will last a long time. but you will need to apply wood sealer to it every year.
6. if you live in metro atlanta, IM me and i will come build it for you. if you are cute and single, you get a discount.
This site has a lot of the answers you need including a video as well as step by step instructions with pictures and a list of materials needed. Sounds like this will be fun! :)
http://www.ronhazelton.com/archives/howt鈥?/a>
Running advice on building endurance?
Hi i have started running 4 Km 4 times a week which is around 3.3 miles in US i started of at 2 km twice a week before i doubled my distance and days and im amazed at my endurance increace but i would like to know how does youre endurance increase? what physical actions happen inside youre body to build the endurance?
thankyouRunning advice on building endurance?
Your body learns to be more efficient the at the distance you train. Everything in your body changes down to the mitochondria to achieve the efficient use of available energy, even cannibalizing muscle efficiently at extreme distances.
I've run 22 marathons and 6 50K ultras (31.1 miles). Your body will learn to tolerate the sports drinks and foods you will consume while running without stopping. All of this will occur naturally during proper training.
Endurance is distance. If you run 5 miles all of the time, your body will become efficient at the 5 mile distance.
Speed is achieved by running faster at the same or shorter distances once or twice a week, then you run slower during all other running.Running advice on building endurance?
Your endurance increases by NOT running the SAME DISTANCE OVER AND OVER AGAIN, like you do. It increases by varying distance, including variations in paces during runs.
Bascially, when you exercise, your fitness decreases. Your body then rests (hopefully), causing it to over-compensate for the fitness level reduction. Fitness then rises above normal levels. However, with the SAME DISTANCE, fitness decreases constantly after a small increase. So, carry on running 4k 4 times weekly, and you will see your fitness level drop to 0.
Mix up your sessions. Have one run at 1k, but at a real fast pace. ave one run at 7k, with a real slow pace. Have one run at 5k, with3 intervals of 6 minutes of fast running, and 3 minutes at a slower recovery jog. But don't run the same distance over and over again-its demotivating, and doesn't improve long term fitness.
run a little more every day
4 KILOMETERS IS ONLY 2.6 MILES
maybe you should drink more orange juice.
thankyouRunning advice on building endurance?
Your body learns to be more efficient the at the distance you train. Everything in your body changes down to the mitochondria to achieve the efficient use of available energy, even cannibalizing muscle efficiently at extreme distances.
I've run 22 marathons and 6 50K ultras (31.1 miles). Your body will learn to tolerate the sports drinks and foods you will consume while running without stopping. All of this will occur naturally during proper training.
Endurance is distance. If you run 5 miles all of the time, your body will become efficient at the 5 mile distance.
Speed is achieved by running faster at the same or shorter distances once or twice a week, then you run slower during all other running.Running advice on building endurance?
Your endurance increases by NOT running the SAME DISTANCE OVER AND OVER AGAIN, like you do. It increases by varying distance, including variations in paces during runs.
Bascially, when you exercise, your fitness decreases. Your body then rests (hopefully), causing it to over-compensate for the fitness level reduction. Fitness then rises above normal levels. However, with the SAME DISTANCE, fitness decreases constantly after a small increase. So, carry on running 4k 4 times weekly, and you will see your fitness level drop to 0.
Mix up your sessions. Have one run at 1k, but at a real fast pace. ave one run at 7k, with a real slow pace. Have one run at 5k, with3 intervals of 6 minutes of fast running, and 3 minutes at a slower recovery jog. But don't run the same distance over and over again-its demotivating, and doesn't improve long term fitness.
run a little more every day
4 KILOMETERS IS ONLY 2.6 MILES
maybe you should drink more orange juice.
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