Monthly Archives: June 2017

Starting the Credit Repair Process



Are you looking for a way to repair your credit?  You are not alone.  Many people have been hard hit in recent times, and now are searching for ways to restore their damaged credit ratings.  Thankfully, there are organizations that can help you get back on track financially.  It’s important to realize that bad credit cannot be restored overnight.  However, there are some tips that can help you achieve your goal of having good credit.


Poor Credit Can Hinder You in Many Circumstances


Poor credit can be a hindrance in many ways.  People with poor credit will find it difficult to get any kind of loan, and if they do manage to get one you will pay a higher interest rate.  An increased number of employers are running credit reports as a way of eliminating job prospects they deem as being irresponsible.  It can also be difficult to rent an apartment, as for most landlords a credit check is standard procedure.


However you feel about your credit worthiness, it is a fact of life that you will be judged in different situations by your credit rating.  There is no need to lose hope, though.  Even those who have declared bankruptcy or have had foreclosures have been able to rebuild their credit and enjoy the benefits.  No matter what phase of credit repair you are in right now, there are three things you must do:


  1. Go on a budget. There is free information online and in your local library on how to set up and stay on a budget. Having a budget is vital.  You will be able to plan ahead as well as see areas that you can cut back on.


  1. Obtain copies of your credit reports. There are three bureaus that report on your credit, and you can get free copies once a year. Make sure everything on the reports is correct and up-to-date.  You would be surprised to know how many people have poor credit because of incorrect information on their credit report.


  1. Do not apply for any new credit cards. Some people try to do the transfer balance dance, but in the end it does not work. You need to stop putting off the inevitable, and begin paying down what you currently owe.  Also, the more times you attempt to open a line of credit, the lower your credit rating goes.


The Rewards Are Worth It


Make it a habit to pay all your bills on time.  If you cannot pay them in full, then call your creditor and see if a payment plan can be arranged.  Cut down on things like cable television, eating out and any other extraneous spending.  With a budget, it will be easy to see the unimportant things you are spending money on.


Sometimes you can get discouraged because the process appears to be taking too long.  It’s important that you stick to it.  No matter how poor your credit is, it is possible to restore it, and it will be worth it when you do.  Your financial life will be easier when you have good credit.  And if you have children, you will be teaching them the importance of responsibility and perseverance.

Getting Cheaper Exchange Rates For Sending Money


Getting a good exchange rate for your currency isn’t easy. But with the age of the internet you can now compare many different services to see who can offer you the best rate today. People sometimes don’t think it is important, but if you are sending large sums of money abroad then even just a tiny percent gained in the rate can lead to huge savings on your transaction when you send.


This is appealing to people who own properties abroad, and need money in their foreign bank to pay for bills, and maybe mortgage payments. It can also appeal to those who send money to family if they are working abroad. Businesses can benefit also, by saving on invoice payments to overseas services.


In addition, when you choose a specialist service that only deals in currency exchange then you can often send that money commission free. This happens because they make their money from the spread or difference on the actual market rate, to the rate they charge you. You will find that it is a whole lot smaller than the fees a bank would charge you.


There are many comparison sites these days if you are looking to transfer money abroad. They are easy to use and really give you a good idea on what you can save, without having to visit each site individually and request a quote. That is the old fashioned way, and is very time consuming. Don’t be scared thinking that these comparison sites will take money from you, because they don’t! The service pays a rebate to the site from their own profit. The rate you get is the rate others will get, it will cost you nothing extra.


So next time you are going to send some money abroad, take some time and find yourself a proper service that is dedicated to currency. It only takes 5 minutes to open an account, and soon you will be sending money transfers cheaper than it would be with Paypal, your bank, or anywhere else.

Tough Job Interview Questions You Need to Know about

Everyone passes through such phase where they have to sit in front of the interviewers who asks some sort of questions, usually which is called as the job the interview. Whether you are interviewing for the newly opened vertical position or for the internal job position by your current employer, there are a number of standard interview questions to be answered by all candidates.  The whole interview process is a generic question which is “Why should we hire you?” and the job seekers are supposed to answer this question confidently.  Another thing to consider is questions to ask a recruiter during interview.

Every kind of question is this whole process is an attempt to gather information to inform the interviewers about the hiring decision. Some of the interviewers will also specifically ask you some of the following questions to make your case…

  • Why should we hire you?
  • What makes you the best for this job?
  • What would you bring to the position?

A concise summary must be prepared by you in order to close the deal on the job offer and to convince the employers to select you for the job. Whether the interviewer asks such questions or not, you must be prepared and must deliver such confident answers regarding this so that they can make a clear vision about you.

The reason behind this question?

The employers or interviewer’s job is to hire or select the person from the number of candidates who are best and qualified for the job specified. So, they make sure that the candidate which they are going to select should be more than qualified and especially when the job or company is working in a competitive market. When the company is hiring an employee, it is at risk. The interviewer takes this risk and his job remains at stake as he is the one to appoint a new member of a team and as we know there are two sides of an image. If the newly appointed employee works well and stands with the team, then the interviewer is appreciated by the higher authorities and if he/she doesn’t do well in any case then the interviewer’s professional reputation suffers in such case.

By answering the following, to interviewer’s such questions you can clear yourself in their view…

  • You can do such work which is the requirement for this job.
  • You are adaptive to the environment and can work with the new team quite effectively.
  • You are loaded with skills and experience which makes you unique.
  • By hiring you for the job, they will not regret at all.

How should you react and answer such questions?

Your answer should be summarized with the top reasons that why should they hire you for the job. This is an opportunity for you to present your impressive strengths to make yourself prominent. You can include main points like industry experience, soft skills, technical skills, education, and training etc. Moreover, you can mention your accomplishments as well because they can create a good image of yours in front of them.

There are a number of mistakes as well which candidates often do, is the lack of preparation, modesty or too much talkative, being too general. Such mistakes should be avoided to great a nice image in interviewer’s notebook.