What I really want to know is...how is this done? Can anyone tell me how I can do a video with these effects in?
What package do I need to buy?
Tuesday, 16 November 2010
Some good advice on Credit Repair
5 Credit Repair Tips to Help You Get Out of Debt
Finding relief from your debts can seem like it’s almost impossible at times, especially if you’re going through credit repair as well. It may seem like you’ll never be able to turn this around back in your favor, but that’s not necessarily the case at all.
To help you find some debt relief and help in your struggle for credit restoration, I’ve put together a list of 5 simple steps you can take to help get out of debt:
Draft up a budget. Start by gathering your bills and paycheck stubs and working up a monthly budget for yourself. This will give you an idea of your incoming/outgoing funds, as well as map out a plan for paying down your existing debts.
Start paying down. Now that you’ve got a budget, start knocking those bills down to size. A great place to start would be accounts that come with the highest interest rates. Since you don’t want to get stuck paying more interest than your actual bill, you’ll want to get rid of these first.
All items 30% or less! Ideally, you’ll want to pay your outstanding credit accounts down to no more than 30% of the available high balance. So if you’ve got a credit card with an available balance of $5000, try not to get it any higher than $3500 in charges at any time.
Get rid of unnecessary cards. If your wallet is overflowing with useless plastic, start taking stock of which ones you actually use, and which ones you can do without. If you’ve got cards that are less than a year old and hardly see any use, get rid of them. Keep 3 good cards open for your credit history (doing so helps improve your credit score, assuming you use them wisely of course).
Start paying in cash. If you’ve forgotten what cold hard cash feels like because you pay for everything with your card, it’s time to get reacquainted. Keeping yourself limited to cash for smaller purchases insures you won’t go overboard in charging to your card (and hurting your attempts at credit repair) and will help you save on your bills in the long run.
Finding relief from your debts can seem like it’s almost impossible at times, especially if you’re going through credit repair as well. It may seem like you’ll never be able to turn this around back in your favor, but that’s not necessarily the case at all.
To help you find some debt relief and help in your struggle for credit restoration, I’ve put together a list of 5 simple steps you can take to help get out of debt:
Draft up a budget. Start by gathering your bills and paycheck stubs and working up a monthly budget for yourself. This will give you an idea of your incoming/outgoing funds, as well as map out a plan for paying down your existing debts.
Start paying down. Now that you’ve got a budget, start knocking those bills down to size. A great place to start would be accounts that come with the highest interest rates. Since you don’t want to get stuck paying more interest than your actual bill, you’ll want to get rid of these first.
All items 30% or less! Ideally, you’ll want to pay your outstanding credit accounts down to no more than 30% of the available high balance. So if you’ve got a credit card with an available balance of $5000, try not to get it any higher than $3500 in charges at any time.
Get rid of unnecessary cards. If your wallet is overflowing with useless plastic, start taking stock of which ones you actually use, and which ones you can do without. If you’ve got cards that are less than a year old and hardly see any use, get rid of them. Keep 3 good cards open for your credit history (doing so helps improve your credit score, assuming you use them wisely of course).
Start paying in cash. If you’ve forgotten what cold hard cash feels like because you pay for everything with your card, it’s time to get reacquainted. Keeping yourself limited to cash for smaller purchases insures you won’t go overboard in charging to your card (and hurting your attempts at credit repair) and will help you save on your bills in the long run.
Sunday, 14 November 2010
Credit Repair Nightmare - A Background
The car accident really put a dent in everything, after you a few pictures of the cars here.
I really bad prang, the car was a total write-off, and of course as it was my fault my insurance paid out on it. But now they've cancelled my insurance in the future, and I'm a bit stuck.
Over the last few weeks I've been checking into the cost of replacement insurance. I phoned all those places on the TV, you know the ones that say they'll ensure anybody. Well bugger me, they won't.
Well, they will, the one company who I won't name here in case it gets deleted, wanted four a half thousand dollars a year for insurance force driving a simple coupe. You know just a 1.6 L coupe, and they want four a half grand a year! Who can afford that? Okay, some of the other quotes or a little less but I haven't found a project that is under $3900 a year. I simply can't afford that, for a start, it's almost twice the cost of my car. And my car is not bad.
Everything's got more expensive since the accident, insurance, money in other places of course, but now just getting to and from work is going to cost me a fortune. I can use public transport, a taxi would cost me about $60 a day there and back, or there is a train followed by bus followed by a second train, we could end up costing me about $40 a day taking me nearly 3 hours each way.
Yes I could do that, but it would mean giving up at 4:30 in the morning and catching the 5:10 train, and I wouldn't be home at night until almost 9 o'clock. I know my boss will still expect me to go in, but by about Wednesday the first week be that exhausted I don't know whether i'll to make in on Thursday. It's not really much of a life when your entire waking time is spent travelling to and from work or at work. I don't even know when I'll have time to eat tea or have a shower.
The end of the day, I'm worried that I may lose my job because of this, it really isn't feasible to carry on working when I'm going to have to spend almost 50% of my salary getting to and from work, or 30% of my salary getting to and from work but having a 76 hour working week.
All in all, I need to get my finances in shape, I can't go on like this. I reckon i'll be in the poor house before long, I don't know how much longer I can carry on not knowing what the future holds. Maybe it will be best if I quit my job, and find something local. But there aren't any jobs advertised. The jobs section in my local paper says jobs section, and then there are no adverts, and then it moves straight onto motorcars and transport. Four years ago there were three pages of jobs, small ads big ads jobs all over the place, now there is not even one.
Anyway that's enough of me waffling on, I need to get myself sorted. Time to make a real start and get sorted. Sorry to bore you in my first blog post but that's the way it is take catch you all around
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