Archives for August 30, 2017

What You Need To Know About Credit Cards

What is a credit card? A credit card is a card that allows you to borrow money to pay for things. There will be a limit to how much you can spend called your credit limit. At the end of each month you can either pay off the whole of the amount you owe or make a minimum repayment. Other kinds of cards include: 1) A cheque guarantee card, issued by your bank, that you can use to ensure that your cheque will be honoured up to a certain limit.

2) A chargecard where you have to repay the full amount at the end of each month.

3) A debit card, issued by your bank, where whatever you spend is immediately deducted from your bank account Do you need a credit card? Using a credit card is a useful way of making purchases: a) A credit card means you don’t need to carry huge amounts of cash around and risk losing it.

b) A credit card means you can buy items over the internet.

c) A credit card means you can make purchases abroad without having to worry about local currency.

d) A credit card gives the opportunity to spread the cost of a large payment over several months.

e) A credit card is useful in an emergency. For example, an unexpected repair to your house or car.How do you choose a credit card? The main two UK credit card issuers are Visa and Mastercard. These are accepted in most places and in 130 countries worldwide. Beware of less well known brands that may not be accepted everywhere. Before you choose which credit card is the best for you, remember to read the terms and conditions carefully. Never sign up for a credit card without fully understanding what you are agreeing to. Remember that all the plus factors will be prominently displayed in large print. You may have to study the small print carefully to discover if there are any negative factors.
A list of the current cards on offer in summary is available on this credit card summary page. What You Need To Consider:1) APR (Annual Percentage Rate)

This is the rate of interest that you will pay on any outstanding balance. 2) Special Introductory Rates

You may be offered a low or 0% rate of interest for a limited time (Up to 6 months) when you sign up for a new card. A higher rate of interest may be charged for cash withdrawals. 3) Balance Transfer Rate

Card issuers may offer you a lower rate of interest if your swap your balance from another credit card to theirs. 4) Interest Free period

Remember to check when interest payments will begin. Will you pay interest from the day of the purchase? Or will you have a number of days interest free before you begin to pay? There is usually no interest free period for cash withdrawals. 5) Cashback and Rewards

Some cards over points or rewards for every pound spent on the credit card. Make sure that these are appropriate for you. For example, there&’s no use collecting airmiles if you never fly. 6) Minimum Repayment

Remember to check what the minimum monthly repayment will be. If you borrow £1000 on your credit card the monthly minimum repayment will probably be in the region of £25. But if you only pay this amount each month it will take a long time to pay off the balance and cost a lot in total when you include the interest payments. 7) Annual Fees

This is the fee that the issuer will charge you every year for using their credit card. Not all credit cards have an annual fee, so remember to consider this when you are choosing which one is right for you. 8) Late Payments

There will be an extra charge, as well as the interest owed, if your payment is late. This charge may even be more than the amount you owe so be very careful to check what the charge is, and to ensure that all your payments are made on time. A good way of doing this is to set up a direct debit from your current account. 9) Exceeding Your Limit

You may also be charged a fee if you exceed your credit limit. Will Your Application Be Accepted? Whether or not your application is successful will depend on your credit rating. Your credit rating depends on your credit history (a record of your use of credit) and is based on the record of your ability to repay debt. You can obtain a copy of your credit file by contacting a credit reference agency. There may be a small fee for this service. When you application has been accepted you will be given a credit limit. The credit limit will be fixed when you first apply for your card (although you can ask for it to be increased or decreased later) and the limit, including the amount you have left available to spend, will be shown on your monthly statement. Insurances and Protection. What You Can Do: 1) Take good care of your credit card to ensure that it isn’t lost or stolen. 2) To prevent misuse of your card you must report any loss or theft of your card to the issuer immediately. Many issuers allow you to register all your cards with them so that in the event of you losing a purse, handbag or wallet they can all be cancelled with just one phone call. 3) You must keep all your receipts and also check your statement carefully and report any suspicious transactions. For example payments that you have no record of making. 4) Credit card companies are now issuing cards with PIN (Personal identification numbers) which are known as Chip and PIN cards. Rather than signing your name you will be asked to enter your PIN onto a keypad. You must ensure that you keep this number secret. What The Issuer Will Do 1) The issuer should insure you against loss, misuse or theft of your card. 2) The issuer may also insure your purchases for up to 100 days. 3) Your issuer may also provide protection against you being sold unsuitable or shoddy goods. Important Points To Remember:a) Credit cards can be a very useful tool to help you to manage your finances.

b) Choose your card carefully, remembering to read and understand all the terms and conditions before you sign up.

c) Remember to set yourself a budget and decide how much you will pay off each month.

d) Check your statements carefully each month.

e) Look after your card to prevent it being lost or stolen.For a glossary of the terms mentioned in this article please visit the credit card glossary page.

Source by Phil Edwards

Puppy Dog Training- A Time Table For Companionship

Puppy dog obedience training is as easy as 1,2,3. But if you don’t know what you are doing it will seem very difficult in the beginning. This article will provide you with professional training tips that you should utilize when considering bringing a new puppy dog into your home, so pay attention.

1) You have to establish yourself as leader of the pack or also known as alpha dog. If this is not done than your new companion will think he/she is boss. This step should be done rather quickly, because it won’t take your new arrival long to think they can be boss.

2) Be patient, persistent and repetitive. Use a firm steady voice and stay calm. Try training your new friend in 10-15 minute sessions 5-6 times a day. Be in tune with your dogs mood this will make training easier for both you and your new best friend. Don’t expect your puppy to learn everything in one day.

3) Positively reinforce by giving a treat for good behavior. Also correct bad behavior while it happens not after. Let your new puppy know that you are in control of the things they value most like their toys and treats.

There is no other situation where patience with your puppy will be as important as the first several weeks in your home. Proper dog training will take time, will take obedience, and a lot of care. So be sure if you are going to train a puppy dog you know what you are doing.

Source by Rebecca Sorber

Foreclosure Rescue Plan is Released on 3-4-2009 by the Obama Administration – What Can it Do For You

Obama Foreclosure Rescue Program Summary

There has been a lot of news coming out of Washington lately about the housing and foreclosure crisis. I get many questions from people who want to know if they “qualify” for help. That’s why I am going to briefly explain the highlights of President Obama’s plan to reduce foreclosures. It is estimated (by the government) that this plan will help up to 9 million homeowners. According to the Mortgage Bankers Association, there are about 51 million first mortgages in the United States which means about 18% of the total might qualify. On March 4, 2009 we finally were given the “details” everyone has been waiting to hear. Please keep in mind that this is just a summary and that there are additional details. The new initiative is being called “Making Home Affordable” (also known as MHA); here’s just a few of the government acronyms to keep track of: TARP, TALF, H4H, GSE, FNMA, FLHMC, PITI, FHA, VA, USDA, etc. It’s starting to get a bit crazy, even for real estate and finance professionals.

There are essentially 2 parts to the program: The first is a plan to refinance eligible mortgages and it is being referred to as “Home Affordable Refinance”. The other part deals with loan modifications and is known as…”Home Affordable Modification”. It’s just a matter of time until these are called “HAR” & “HAM”.

First the HAR (Home Affordable Refinance):

o The current mortgage must be owned or guaranteed by either Fannie Mae (FNMA) or Freddie Mac (FLHMC). If you are not sure if your mortgage meets this first requirement, you can call (800) 7FANNIE or (800)7FREDDIE between 8am – 8pm EST.

o The property MUST be your primary residence. Second Homes and Investment Properties do not qualify.

o The borrower(s) have sufficient income to qualify.

o The mortgage must be up to date with no 30 day delinquencies in the last 12 months.

o The first mortgage cannot exceed 105% of the current market value. Example: If the property is worth $100,000, the maximum that can be owed is $105,000.

o If there are additional mortgages (Second Mortgage, Home Equity Line of Credit, or other liens), the other lien holders must be willing to subordinate their liens in writing to the new first mortgage. Subordinate simply means that the first mortgage will retain it’s superior lien position. It is OK if the total owed exceeds 105% of current value, as long as the first mortgage refinance does not exceed the 105% rule.

o The program officially started 3/4/2009.

Now comes the HAM (Home Affordable Modification):

o To be eligible, the Lender must be willing to participate. Investor/Lender & Servicer participation is voluntary on their part.

o The intention of the program is to avoid foreclosures whenever possible. Each case is evaluated separately and borrowers must prove that they can afford the modified payment. There must be a steady source of income to be eligible.

o There must be a documented financial hardship to qualify.

o The current monthly PITI (Principle, Interest, Taxes, & Insurance Total) must exceed 31% of the borrower(s) gross monthly income. No jokes allowed about the “PITI” acronym.

o The borrowers do not need to be current on the monthly payments. Again, each situation is unique and will be evaluated on a case-by-case basis.

o The goal of the plan is to reduce the total housing PITI payment for all mortgages to no more that 31% of gross income. This includes any second mortgages or HELOCS who must be willing to participate and subordinate their liens to the new modified mortgage.

o The subject first mortgage must be for the Borrower’s primary residence. Second homes and investment properties are not eligible.

o The subject mortgage must have been made before 1/1/2009 and it cannot exceed $729,750. I am sure there is a reason that they used $729,750 as the maximum, but I cannot find any information about how the government arrived at this amount.

o The payment reduction will be achieved by reducing the interest rate, extending the term of the loan, or by a principle reduction (last resort). Remember, this is voluntary on the lender/investor and/or servicer’s part.

o Modifications are for a 90 day “trial” period. If the borrower(s) honor all of the terms during the 90 day trial, then the modification will be extended for a term of no less than 5 years.

o Beginning in year 6, the interest rate can be increased by no more than 1% per year until the note rate reaches the “Freddie Mac Primary Mortgage Market Survey Rate” on the date that the modification is executed.

Since this article was intended to be a “brief” general summary of the “highlights”, I will stop here. There are additional terms and conditions that can be found at

Let’s all hope that this new initiative is more successful than the Hope for Homeowners Program (H4H) that started October 1, 2008. The following article was published recently by Time Magazine:

Grade: F

The Plan: Enacted on Oct. 1, Hope for Homeowners was to be the main foreclosure rescue plan from Congress, which allocated $300 billion for the effort. Supporters in Congress, like Massachusetts Representative Barney Frank, said the program would allow hundreds of thousands of borrowers, perhaps millions, to refinance into lower-cost loans by cutting the amount they owed, which for many at-risk-of-default homeowners was more than their house was worth.

The Result: So how many people has Hope for Homeowners saved from foreclosure? Zero. There have been 326 applications in the three months since the program started, but none of those people – let alone the nearly 6 million homeowners who, by some estimates, may face foreclosure in the next few years – have received a new mortgage or a modification for the one they have. What’s more, none of the major mortgage lenders, such as Bank of America, Citigroup and Wells Fargo, has signed on to the loan-principal-reduction program – which gives Hope for Homeowners little chance of being successful anytime soon. “Foreclosure is the problem we have to spend a lot more effort trying to solve,” says the Economic Policy Institute’s Robert Scott. “We need to put a floor under housing prices, and stopping foreclosures is the way you do that.”

Please keep in mind that this is my interpretation of the guidelines and that all information should be independently verified. Finally, please remember…since this is a government program, all rules and guidelines are subject to change. Stay tuned…and make it a great day!

Source by David L Smith

How To Fix "Binkw32 Is Missing" Errors On Splinter Cell Chaos Theory

Binkw32.dll is used to help games such as “Splinter Cell Chaos Theory” to load up the advanced graphics & video files they require to run. As part of the “Bink Video Codec”, the binkw32.dll file is an extremely important part of many popular games and needs to be running perfectly to ensure your computer can actually play the game you want. Unfortunately for many people, binkw32.dll often causes an error which prevents the game from loading – leading your PC to become erroneous and unreliable. If you’re seeing a binkw32.dll error with the Splinter Cell Chaos Theory game, the good news is that there are a number of things you can do to fix the problem for good.

The errors which binkw32.dll normally causes will typically say things along the lines of “binkw32.dll not found” and “binkw32.dll is missing”. These errors can be caused by a number of reasons, including the likes of different games installing incorrect versions of the file onto your PC, as well as Windows having some sort of errors leading the error to show. If you want to resolve the error you’re seeing on your system, you need to be able to fix the problems which are leading it to show – which will include reinstalling the game and cleaning out your PC’s “registry”.

The way to fix this error is to go through a series of causes of it and then repair them. The first way to do this is to reinstall the Splinter Cell Chaos Theory game on your PC – by clicking Start > Control Panel > Add / Remove Programs. This will replace all the files this program uses, which will basically give your computer the ability to read them all in the best way possible again. You also need to be able to clean out the ‘registry database’ of your PC with a registry cleaner program. The registry is a common cause of all sorts of DLL errors on your PC, because of the way it stores a large list of the DLL files your computer requires to run. The registry is the central hub of information that Windows computers will use to “remember” everything from your DLL files to your most recent emails, and although it’s one of the most important parts of your system it’s also a huge cause of errors. To ensure this problem is not causing the error on your PC, it’s recommended you reinstall your game and then use a registry cleaner to fix any issues Windows has.

Source by James Henry Johnson

How to Select a Wedding Photographer

Selecting a wedding photographer can be a daunting task. Not only does the photographer need to be able to produce outstanding memories of your wedding day but also has to be able to fit into the celebration and be highly professional every step of the way.

Often couples make the mistake of basing their decision on wedding photography entirely on price. At the end couples that decide on price get what they pay for.

It is wise to keep your budget in mind when selecting a photographer but it should not be an excuse no to do your homework and evaluate the quality and professionalism of the photographer. Remember, you will have to live with the consequences of your decision.

How to evaluate a wedding photographer?

The style of the wedding photography is very important. Is the photographer a photojournalist with heavy emphasis in documenting the wedding without directing? Do you prefer posed photographs with preplanned posing and controlled lights? Most couples these days prefer a combination of journalistic and traditional wedding photography. They look for a photographer that can capture the true emotion and spirit of the celebration as well as portraits that deserve to be framed.

Whatever style you prefer the photographer has to be a master of the craft. Take a close look at the photographer’s portfolio. Is the work consistent? Insist on looking at a complete wedding. After photographing 20 weddings, it is easy to have 20 lucky shots. Very few photographers have the guts to show you a complete wedding. Only the good ones do.

Are the photographs a true representation of the photographer’s work?

If you are considering a studio that has several photographers insist on looking at the work of the photographer that is going to photograph your wedding.

Does the studio or photographer offer high quality albums and custom printing? Nowadays it is common for some photographers to offer to photograph the wedding and hand you the proofs and a CD or the negatives with the photos and be done with you. Are you going to be happy with a set of proofs or would you want a fine album with custom printed photographs?

Has the photographer been in business for a considerable amount of time? Is this his first wedding? Is he a commercial or sports photographer beginning wedding photography? There is nothing wrong with starting out in a different photography field but you, as the client, need to know this. Wedding photography requires special artistic, technical, and people skills and a wedding it is not the place for a beginner to learn. Somebody interested in learning wedding photography should perhaps accompany a seasoned pro to weddings for some time before venturing out on his own.

Does the photographer carry good quality equipment and backup of camera bodies, lenses, tripod, lights etc? You will be surprised to learn that many photographers go to weddings with only one camera. God help you if that camera breaks in the middle of your wedding.

Personality plays a very important role in wedding photography. Hire the wrong photographer and you and your guests will suffer the consequences. Does the photographer listen to you? Does he have a controlling personality? Does he abide by the rules of the church, temple, or synagogue? Does he want to steal the show and be the center of attention? Does he have people skills? Does he dress professionally? Does he look and smell clean?

Before hiring your photographer please make sure that you answer all the questions above. As a last precaution check with the Better Business Bureau to see if there are unsolved complains against your potential photographer.

Have a happy wedding and enjoy your beautiful photos. Please don’t forget to feed your photographer he or she will be working hard to capture your wedding memories.

Source by Juan Carlos Torres