There are many reasons why you would want to sell car for cash and one of them is that you may be faced with a financial situation where you need cash but cannot find a lender to grant you a credit facility. If you have borrowed a loan and somewhere down the line in your repayment plan, you are confronted with financial difficulties or you lose your job, repaying the loan becomes quite challenging. You can offset the remaining balance of your loan by selling car through sell my car deals.
Similarly, if you have an old fashioned car or a used vehicle that you do not need, you may sell used car to buy another new model. Regardless of the reason why you are selling an automobile, it is always important that you seek a primed dealer who can offer value for your vehicle. Some years ago, if you wanted to sell your car, it would be difficult and this was because the process of selling car was not very easy.
You could spend a lot of money on paid advertisement in newspapers and the dealers charged big commissions to have your car sold. However, today, things have changed and you can comfortably get your car sold in the same day if you have all the documents ready and you are willing to accept the price offer.
However, even with the easy process of selling car, there are other things you need to consider in order to ensure that you get good money from your vehicle. There are dealers who are willing to offer very attractive prices but also there are others who may take advantage of your bad financial situation and exploit you.
There are various free or cheap sites where you can advertise your car. Sites like eBay are primed of offering good platforms where you may sell car pretty fast and at the best value. In addition, there are auction sites, which are also good for selling your automobile. There are also paid advertising classified sites where you can pay minimal fees to have your car advertised to millions of buyers.
Autotrader is one of the revered sites in UK where you can place advertisements of your vehicle for buyers to find them. Because at times you may have a pressing need for liquid cash, this can compel you to wholesale a vehicle at lower price than the market value. No matter how pressing the situation may be, you need to take some time and do research on how much your vehicle is trading in the market currently.
There are good resources which can help you and they include the sell my car for free websites. You can search for similar models and see how much they are trading at from these sites. In addition, you can also check pricing information from resource sites like Black Book, the NADA guide and the Kelley Blue Book.
One thing you need to know is that automobile websites and pricing guide books may only offer you guidance on the range of price, which your car may trade at. For more precise pricing, you need to examine other factors in your car. The curb appeal, the mileage, as well as accessories and equipments you have installed in your car will determine how much you sell it. These aspects will determine the price you give to your vehicle and this can help you on how to sell car.
Saturday, November 23, 2013
A Court Ruling Rejects Divorce Application for a Transsexual Man Who Gave Birth to 3 Children
In yet another rare legal suit, the courts have found themselves in another battle to rule against or in favour of a marriage involving same-sex parties. A court ruling in Arizona rejected a divorce application for a transsexual man who gave birth to three children. After one of the parties undergoing a double mastectomy surgery, a nine year-old marriage is faced with troubles that have seen a need for divorce. A transgender man who underwent a double mastectomy but retained the female reproductive organs has since given birth to three children.
However, his mirage is at stake after an application for divorce was filed. Making a ruling on the case, an Arizona jury failed to rule in favour of the application. The Maricopa County Family Court Judge argued that he had no jurisdiction that could compel him to approve the divorce because the evidence was not substantial enough to prove that the transgender man was really a man when he married in Hawaii.
Although this man was determined to put an end to his marriage, the divorce plan was stalled because the judge could not get a legal authority that could define a man as a person who can reproduce and give birth as women do. When giving out the ruling, the judge reiterated that the decision on the ruling was not pegged on conclusions that it involved a same-sex marriage affair with one party being a transsexual male, but because the parties did not prove that the man was really transsexual male as at the time when they were served with a marriage certification or license.
The ruling also did not incorporate the aspect that Arizona jurisdiction allowed a person born female to get married to another female after a surgery to change the sex has been done. The pregnant man was born in Hawaii at Tracy Lehuanani Lagondino, in Oahu. In 1997, he began undergoing testosterone treatment and in 2002, double mastectomy and chest reconstructions were done.
The transsexual man changed his driver’s license in Hawaii to reflect that he was a man and this was approved by a Hawaiian court. The man married in early 2003 and he became pregnant because his wife could not have children. With use of a donated sperm, the transgender man gave birth to children who are now 2 years, 3 and 4 from the youngest to the oldest respectively.
After their marriage, the couple relocated to Arizona where they currently live. The marriage has attracted a big attention and has become the center of talks in big shows like the Oprah Winfrey, and Larry King. In addition the transgender man has scoped a winning spot on list of 10 most Fascinating People featured on Barbara Walter in 2008. The man has also published a book entitled Labor Of Love: The Story of One Man's Extraordinary Pregnancy.
Although the National Center for Lesbian Rights did not involve itself in this legal suit, it said that the judicial courts have declared marriage ties made up of a transsexual person as invalid in the few legal cases, which have been filed across the country. The National Center for Lesbian Rights also pointed out that some of those cases had significantly different legal issues and factual aspects far much deeper than the case of the this transsexual man.
However, his mirage is at stake after an application for divorce was filed. Making a ruling on the case, an Arizona jury failed to rule in favour of the application. The Maricopa County Family Court Judge argued that he had no jurisdiction that could compel him to approve the divorce because the evidence was not substantial enough to prove that the transgender man was really a man when he married in Hawaii.
Although this man was determined to put an end to his marriage, the divorce plan was stalled because the judge could not get a legal authority that could define a man as a person who can reproduce and give birth as women do. When giving out the ruling, the judge reiterated that the decision on the ruling was not pegged on conclusions that it involved a same-sex marriage affair with one party being a transsexual male, but because the parties did not prove that the man was really transsexual male as at the time when they were served with a marriage certification or license.
The ruling also did not incorporate the aspect that Arizona jurisdiction allowed a person born female to get married to another female after a surgery to change the sex has been done. The pregnant man was born in Hawaii at Tracy Lehuanani Lagondino, in Oahu. In 1997, he began undergoing testosterone treatment and in 2002, double mastectomy and chest reconstructions were done.
The transsexual man changed his driver’s license in Hawaii to reflect that he was a man and this was approved by a Hawaiian court. The man married in early 2003 and he became pregnant because his wife could not have children. With use of a donated sperm, the transgender man gave birth to children who are now 2 years, 3 and 4 from the youngest to the oldest respectively.
After their marriage, the couple relocated to Arizona where they currently live. The marriage has attracted a big attention and has become the center of talks in big shows like the Oprah Winfrey, and Larry King. In addition the transgender man has scoped a winning spot on list of 10 most Fascinating People featured on Barbara Walter in 2008. The man has also published a book entitled Labor Of Love: The Story of One Man's Extraordinary Pregnancy.
Although the National Center for Lesbian Rights did not involve itself in this legal suit, it said that the judicial courts have declared marriage ties made up of a transsexual person as invalid in the few legal cases, which have been filed across the country. The National Center for Lesbian Rights also pointed out that some of those cases had significantly different legal issues and factual aspects far much deeper than the case of the this transsexual man.
The Most Watched Video on YouTube...Psy’s Gangnam Style Video Rocks the World
A South Korean rapper rocks the world as he released a new video on Saturday 13th April 2013 at Seoul's World Cup Stadium that has turned out to be the most watched YouTube video. The video was a spoof of the upscale or luxurious lifestyle of Gangnam district of Seoul. In just under 48 hours, the new music video had recorded an astounding 44 million views in YouTube. In its first 24 hours, the video gathered over 20 million views smashing the earlier record that had been set by Boyfriend video produced by Canadian Justin Bieber, that recorded 8 million hits sometimes in May 2012.
Psy’s new video Gentleman featuring Gangnam Style has caught the music lovers with great surprise. The "Gangnam Style" video was first released in July 2012, has so far garnered over 1.5 billion hits. In front of close to 50,000 fans dressed in white as he had requested, Psy, a 35 year old rapper musician made a mark in the history of rap music.
He stole the show at Seoul's World Cup Stadium as the concert was streamed live on the internet with as many as 160,000 audiences turned to watch it on the net becoming the most watched video on YouTube. Psy said that he hoped the world would help bring to an end the long-standing conflict that has engulfed South and North Korea for many. He further reiterated that he hopes North Koreans will be spellbound by the new single release despite the high tension in the Korean Peninsula region.
However, there is scepticism as to whether Psy will hold the rhythm high or it is just another short-lived lyric that is doomed to disappear within no time. Perhaps his humble personality and the great audience he has captured would only serve to make him more famous. Considering that he is determined to bring more Korean songs and dance to the global arena, it may be a more than personal achievement.
Music is always changing with new dynamics being introduced but one thing remains, to be a top world-class-star; you have to cultivate happiness and coincidences of innovativeness to keep the fans hooked up to your music. In his interviews, Psy said that he tried to find Korean words that many people could sing along and this perhaps would create some interest to the audiences who do not understand the language.
With a concoction of English and Korean lyrics, it was easier for the hit video to rhyme with global lyrics. Amazingly, the Gangnam Style has featured many dignitaries emulating the dance including UN Secretary-General Ban Ki-Moon, who was captured being taught how to dance to the tubes. It is without double that there is something unique with this lyric that makes it irresistible to twist your body. Perhaps the beat is catchy.
Psy produced two songs before this latest hit that followed up to his internationally acclaimed "Gangnam Style," and so far the viewership is astonishing. Hitting a 1.5 billion audience views is no something to be underestimated. There is more than what many may think about this star. Although the music has received wide acceptance and interest in Korean music charts, for the international viewership, it is yet to demonstrate how it can hold to the top charts.
Psy has been feeling the pressure as he prepared to make the hit song but he has always tried to find what he calls his closest thing, which is the “real me” as he mentions. Nonetheless, he is more than overwhelmed by the achievement and success of Gangnam Style as the most watched YouTube video.
Psy’s new video Gentleman featuring Gangnam Style has caught the music lovers with great surprise. The "Gangnam Style" video was first released in July 2012, has so far garnered over 1.5 billion hits. In front of close to 50,000 fans dressed in white as he had requested, Psy, a 35 year old rapper musician made a mark in the history of rap music.
He stole the show at Seoul's World Cup Stadium as the concert was streamed live on the internet with as many as 160,000 audiences turned to watch it on the net becoming the most watched video on YouTube. Psy said that he hoped the world would help bring to an end the long-standing conflict that has engulfed South and North Korea for many. He further reiterated that he hopes North Koreans will be spellbound by the new single release despite the high tension in the Korean Peninsula region.
However, there is scepticism as to whether Psy will hold the rhythm high or it is just another short-lived lyric that is doomed to disappear within no time. Perhaps his humble personality and the great audience he has captured would only serve to make him more famous. Considering that he is determined to bring more Korean songs and dance to the global arena, it may be a more than personal achievement.
Music is always changing with new dynamics being introduced but one thing remains, to be a top world-class-star; you have to cultivate happiness and coincidences of innovativeness to keep the fans hooked up to your music. In his interviews, Psy said that he tried to find Korean words that many people could sing along and this perhaps would create some interest to the audiences who do not understand the language.
With a concoction of English and Korean lyrics, it was easier for the hit video to rhyme with global lyrics. Amazingly, the Gangnam Style has featured many dignitaries emulating the dance including UN Secretary-General Ban Ki-Moon, who was captured being taught how to dance to the tubes. It is without double that there is something unique with this lyric that makes it irresistible to twist your body. Perhaps the beat is catchy.
Psy produced two songs before this latest hit that followed up to his internationally acclaimed "Gangnam Style," and so far the viewership is astonishing. Hitting a 1.5 billion audience views is no something to be underestimated. There is more than what many may think about this star. Although the music has received wide acceptance and interest in Korean music charts, for the international viewership, it is yet to demonstrate how it can hold to the top charts.
Psy has been feeling the pressure as he prepared to make the hit song but he has always tried to find what he calls his closest thing, which is the “real me” as he mentions. Nonetheless, he is more than overwhelmed by the achievement and success of Gangnam Style as the most watched YouTube video.
How Much Can You Save By Sealcoating Your Asphalt Driveways and Parking Lots?
In a study conducted by Girish C. Dubey, the chairperson of the Pavement Coatings Technology Center at the University of Nevada, Reno, it revealed that repairing and maintaining asphaltic pavements using sealcoats saves homeowners and business persons lots of dollars. From the study, if homeowners and business persons sealcoated their driveways and parking lots, they are able to save approximately $15.25 in every square yard of the road.
This amount translates to $152,500 for a parking lot or driveway that measures 10,000 square yard. What this means is that homeowners and business persons can save about 48 percent compared to unmaintained asphalt. Using sealcoats to cover pavements and protect them against environmental and manmade factors costs less amount but it can double or triple the lifespan of the driveways.
Driveways and parking lots are an investment for homeowners and business people because they not only enhance the aesthetic beauty of their premises but also improve the movement of traffic. But driveways and parking areas need proper maintenance. Asphaltic pavements are vulnerable to environmental conditions like ultraviolet rays, snow, anti-freeze effects, and rainwater. They may also be damaged by manmade elements like oil spills, vehicle transmission fluids, and salts and traffic loads.
One way in which the blacktop of roads can be protected is through use of sealcoating products. Sealcoating prolongs the lifespan of drives and parking areas. When sealcoats are applied, they provide a membrane cover, which is weatherproof. This means that the pavements are not directly exposed to effects of ultraviolet rays and rainwater.
Sun and water accelerate the natural oxidation of asphaltic material meaning that the paving surfaces will dry fast and become rigid. Initially, when you construct a new driveway, the asphaltic layer is flexible. It expands and contracts evenly without causing any distress. However, as it ages and continues to be exposed to weather conditions like sunlight and rainwater, it becomes inflexible. It is not able to contract and expand easily as it initially used to do.
With traffic turning over the driveways, coupled with the heating and effects of water, the pavements degrade in quality. Homeowners need to ensure that they constantly inspect their roads and driveways to ensure that they are in good condition. One way to detect that the drives and parking lots are deteriorating is the change in colour from jet-black to gray.
As the drives age, they begin to breakdown and this allows more problems like ravelling to start occurring. The first sealcoat should be applied after the asphalt has cured properly and this may take between 6 months to one year. This ensures that the sealants bind firmly on top of the blacktop. Other sealcoats can be applied after every 2 to 5 years depending on the rate at which the sealcoat loses its protection ability.
When rain water infiltrates the pavement layer, it settles on the bed and loosens the aggregate material. With heavy traffic, this causes the driveways to crumble. Similarly, when water settles on the bed, it may freeze during the cold weather and expand. Upon expansion, the frozen water widens the cracks underneath the pavement. When it melts, it leaves a void and this causes the blacktop layer to crumble down. Moreover, heat from the sun bakes the asphaltic pavement making it oxidize faster than usual.
This makes the pavement rigid and with continuous use, it begins to form cracks. If not repaired, the cracks allow water to collect in and settle on the bed. The cracks may intensify forming more pronounced cracking known as "allogatored cracks". These damages are very costly for the homeowner or business person but they can be prevented with use of sealcoats. One thing about the sealcoating is that it does not cure the problems in pavements. If there are cracks, they should first be repaired before a coat is applied.
This amount translates to $152,500 for a parking lot or driveway that measures 10,000 square yard. What this means is that homeowners and business persons can save about 48 percent compared to unmaintained asphalt. Using sealcoats to cover pavements and protect them against environmental and manmade factors costs less amount but it can double or triple the lifespan of the driveways.
Driveways and parking lots are an investment for homeowners and business people because they not only enhance the aesthetic beauty of their premises but also improve the movement of traffic. But driveways and parking areas need proper maintenance. Asphaltic pavements are vulnerable to environmental conditions like ultraviolet rays, snow, anti-freeze effects, and rainwater. They may also be damaged by manmade elements like oil spills, vehicle transmission fluids, and salts and traffic loads.
One way in which the blacktop of roads can be protected is through use of sealcoating products. Sealcoating prolongs the lifespan of drives and parking areas. When sealcoats are applied, they provide a membrane cover, which is weatherproof. This means that the pavements are not directly exposed to effects of ultraviolet rays and rainwater.
Sun and water accelerate the natural oxidation of asphaltic material meaning that the paving surfaces will dry fast and become rigid. Initially, when you construct a new driveway, the asphaltic layer is flexible. It expands and contracts evenly without causing any distress. However, as it ages and continues to be exposed to weather conditions like sunlight and rainwater, it becomes inflexible. It is not able to contract and expand easily as it initially used to do.
With traffic turning over the driveways, coupled with the heating and effects of water, the pavements degrade in quality. Homeowners need to ensure that they constantly inspect their roads and driveways to ensure that they are in good condition. One way to detect that the drives and parking lots are deteriorating is the change in colour from jet-black to gray.
As the drives age, they begin to breakdown and this allows more problems like ravelling to start occurring. The first sealcoat should be applied after the asphalt has cured properly and this may take between 6 months to one year. This ensures that the sealants bind firmly on top of the blacktop. Other sealcoats can be applied after every 2 to 5 years depending on the rate at which the sealcoat loses its protection ability.
When rain water infiltrates the pavement layer, it settles on the bed and loosens the aggregate material. With heavy traffic, this causes the driveways to crumble. Similarly, when water settles on the bed, it may freeze during the cold weather and expand. Upon expansion, the frozen water widens the cracks underneath the pavement. When it melts, it leaves a void and this causes the blacktop layer to crumble down. Moreover, heat from the sun bakes the asphaltic pavement making it oxidize faster than usual.
This makes the pavement rigid and with continuous use, it begins to form cracks. If not repaired, the cracks allow water to collect in and settle on the bed. The cracks may intensify forming more pronounced cracking known as "allogatored cracks". These damages are very costly for the homeowner or business person but they can be prevented with use of sealcoats. One thing about the sealcoating is that it does not cure the problems in pavements. If there are cracks, they should first be repaired before a coat is applied.
Secured Credit Cards...A Cost-Effective Way to Rebuild Your Credit History
If you are finding it difficult to obtain the traditional credit cards, then you may get a bad credit secured credit card. This card works by paying a certain amount in order to establish a credit line or a limit in which you can borrow, and the deposit is paid prior to obtaining the card. These secured cards offer a more cost effective way in building your credit history. One thing you need to do when your credit dips passed the levels of prime and subprime financing, you need to bring it up.
You may have different option to do this, but certainly using low credit secured credit cards can be a viable option. When you have bad credit, you are faced with many challenges. First, whenever you apply for a loan, the lender runs a credit check. This definitely affects your credit score. This is because, there is some doubt with the lender and this is why a credit check is done to determine how you have been paying your bills, and if there are any missed payments, and loan delinquencies you have had in the past.
By itself, a credit check will hurt your creditworthiness by lowering your score. Secondly, it becomes worse if you apply for numerous loans and they are not approved despite the lenders running a credit check. In order to avoid numerous credit-checking that lowers your score, you can use the secured credit cards. You need to have about $300 to deposit in a bank so that you secure the card.
It is worthwhile getting low credit secured credit card rather than unsecured cards. The hefty fees charged on unsecured card are not worthy the deposit you put up when obtaining a secured card. You would better look for that money in order to make a deposit because this will save you from those fees. For example, as at March 2013 if you obtained a secured Centennial Secured credit card, you would not pay the program fee of $95 that is charged on the Centennial unsecured credit card.
In addition, with the Centennial Secured credit card, you would not pay a monthly servicing fee of $7 and account setup fee of $29. Similarly, with this secured card, you would pay less on the annual fee placed at $69 when compared to the annual fee of the unsecured Centennial card of $84. In essence, it is important to consider a secured credit card if you are in bad credit because it not only protects you from paying the enormous charges but also helps you rebuild your credit score.
Depending on the card issuer, if you obtained a secured credit card and demonstrate a responsible use of the card, after sometime, say one year, the issuer may consider converting the card to an unsecured credit card that does not carry the different fees that are witnessed in a traditional unsecured credit card. As a caution, if you want to obtain a secured credit card, make sure that the issuer reports to at least one of the credit reporting agencies like TransUnion, Equifax, and Experian.
You may have different option to do this, but certainly using low credit secured credit cards can be a viable option. When you have bad credit, you are faced with many challenges. First, whenever you apply for a loan, the lender runs a credit check. This definitely affects your credit score. This is because, there is some doubt with the lender and this is why a credit check is done to determine how you have been paying your bills, and if there are any missed payments, and loan delinquencies you have had in the past.
By itself, a credit check will hurt your creditworthiness by lowering your score. Secondly, it becomes worse if you apply for numerous loans and they are not approved despite the lenders running a credit check. In order to avoid numerous credit-checking that lowers your score, you can use the secured credit cards. You need to have about $300 to deposit in a bank so that you secure the card.
It is worthwhile getting low credit secured credit card rather than unsecured cards. The hefty fees charged on unsecured card are not worthy the deposit you put up when obtaining a secured card. You would better look for that money in order to make a deposit because this will save you from those fees. For example, as at March 2013 if you obtained a secured Centennial Secured credit card, you would not pay the program fee of $95 that is charged on the Centennial unsecured credit card.
In addition, with the Centennial Secured credit card, you would not pay a monthly servicing fee of $7 and account setup fee of $29. Similarly, with this secured card, you would pay less on the annual fee placed at $69 when compared to the annual fee of the unsecured Centennial card of $84. In essence, it is important to consider a secured credit card if you are in bad credit because it not only protects you from paying the enormous charges but also helps you rebuild your credit score.
Depending on the card issuer, if you obtained a secured credit card and demonstrate a responsible use of the card, after sometime, say one year, the issuer may consider converting the card to an unsecured credit card that does not carry the different fees that are witnessed in a traditional unsecured credit card. As a caution, if you want to obtain a secured credit card, make sure that the issuer reports to at least one of the credit reporting agencies like TransUnion, Equifax, and Experian.
Unsecured Credit Cards...An Option for the Subprime and Prime Credit Score Cardholders
When you talk about unsecured credit cards, it simply means that there is not security that is made to obtain the card. You do not make a deposit in order to get the card and this describes the nature of the terms you expect to get. Since, you are considered a risky customer; you are put through a series of fees that you pay because of your bad credit.
If your score ranges from 620 - 659, you are considered for subprime financing and if it ranges between 660 and 720, you are eligible for prime financing option, including credit cards.
There are many limitations and charges that are linked to these low credit unsecured credit cards and this is why it is advisable that you only obtain them when there is no other alternative. In most cases, the credit limit is placed at around $250 but if you prove that you are indeed a disciplined card user who is able to pay balances in time, this limit may be increased subsequently after a satisfactory use.
Advantages of credit unsecured credit cards
The two main advantages of these cards is that they enable you improve your credit score and secondly, they do not require a deposit. Since it is most probable that you are financially in bad shape, by not making a deposit as security against the issuance of the card makes things better. But remember there is a catch in this card. The fees can ruin your financial ability and if not careful, you may dive deeper into financial pitfalls. So when are unsecured credit cards useful?
Because you are in a subprime credit worthiness category, you need to accept your situation and focus on ways to rebuild your tainted credit score. Whereas it will not take overnight to repair your score, by observing certain spending patterns and card-use practises, you can quickly get yourself out of the trap.
The only good thing with unsecured cards for the consumer with bad credit is that the use is reported to leading credit reporting bureaus such as Experian, Equifax and TransUnion. If you use the card carefully without any delinquencies or late payments of balances, and other bills, you can build your credit history. However, you need to be very vigilant in these aspects otherwise you may get yourself in trouble.
What you must watch out for in unsecured credit cards
For one, these cards are issued to consumers regarded as high risk. If you have bad or limited (subprime and prime) credit score, you may need to get these cards. Similarly, if you have previously filed a bankruptcy case, you also are also considered a risky consumer and you may need these cards. Whereas the unsecured credit cards are designed for people considered high risk, you may also get a low credit score secured card, which has better terms than the unsecured.
The low credit unsecured credit cards carry high APRs, which could go as high as 60 percent. Besides the APRs, there are also other fees that come with these cards and include an annual fee, which may go as high as $85. For example, First PREMIER Bank unsecured card was attracting an annual fee of $84 as at March 2013 and Centennial Unsecured credit card was attracting the same annual as at this date.
What this means is that, although you do not pay for the security deposit, you end up paying more through annual fees. One thing you need to evaluate is how long you intent to use this card. If you are going to use it more than 5 years, then this could be very costly for you. It is better you consider other options.
In addition, low credit unsecured credit cards also attract account processing fee that can go as high as $39. There is also what is called program fee, which is a onetime fee that is charged on credit card users as a term or condition of credit extension. Moreover, there is also a monthly servicing fee that can amount to $10 dollars depending on the card issuer and when you calculate this amount, you find that you can pay up to $120 per annum.
Last but not least, these unsecured bad credit cards also attract credit increase fee of up to $25. Basically, these fees could really cause a big burden on your credit card use often leading to very minimal benefits. If you are taking this card, basically use it as a way to build your credit score.
If your score ranges from 620 - 659, you are considered for subprime financing and if it ranges between 660 and 720, you are eligible for prime financing option, including credit cards.
There are many limitations and charges that are linked to these low credit unsecured credit cards and this is why it is advisable that you only obtain them when there is no other alternative. In most cases, the credit limit is placed at around $250 but if you prove that you are indeed a disciplined card user who is able to pay balances in time, this limit may be increased subsequently after a satisfactory use.
Advantages of credit unsecured credit cards
The two main advantages of these cards is that they enable you improve your credit score and secondly, they do not require a deposit. Since it is most probable that you are financially in bad shape, by not making a deposit as security against the issuance of the card makes things better. But remember there is a catch in this card. The fees can ruin your financial ability and if not careful, you may dive deeper into financial pitfalls. So when are unsecured credit cards useful?
Because you are in a subprime credit worthiness category, you need to accept your situation and focus on ways to rebuild your tainted credit score. Whereas it will not take overnight to repair your score, by observing certain spending patterns and card-use practises, you can quickly get yourself out of the trap.
The only good thing with unsecured cards for the consumer with bad credit is that the use is reported to leading credit reporting bureaus such as Experian, Equifax and TransUnion. If you use the card carefully without any delinquencies or late payments of balances, and other bills, you can build your credit history. However, you need to be very vigilant in these aspects otherwise you may get yourself in trouble.
What you must watch out for in unsecured credit cards
For one, these cards are issued to consumers regarded as high risk. If you have bad or limited (subprime and prime) credit score, you may need to get these cards. Similarly, if you have previously filed a bankruptcy case, you also are also considered a risky consumer and you may need these cards. Whereas the unsecured credit cards are designed for people considered high risk, you may also get a low credit score secured card, which has better terms than the unsecured.
The low credit unsecured credit cards carry high APRs, which could go as high as 60 percent. Besides the APRs, there are also other fees that come with these cards and include an annual fee, which may go as high as $85. For example, First PREMIER Bank unsecured card was attracting an annual fee of $84 as at March 2013 and Centennial Unsecured credit card was attracting the same annual as at this date.
What this means is that, although you do not pay for the security deposit, you end up paying more through annual fees. One thing you need to evaluate is how long you intent to use this card. If you are going to use it more than 5 years, then this could be very costly for you. It is better you consider other options.
In addition, low credit unsecured credit cards also attract account processing fee that can go as high as $39. There is also what is called program fee, which is a onetime fee that is charged on credit card users as a term or condition of credit extension. Moreover, there is also a monthly servicing fee that can amount to $10 dollars depending on the card issuer and when you calculate this amount, you find that you can pay up to $120 per annum.
Last but not least, these unsecured bad credit cards also attract credit increase fee of up to $25. Basically, these fees could really cause a big burden on your credit card use often leading to very minimal benefits. If you are taking this card, basically use it as a way to build your credit score.
Ugg Boots Clearance Can Save You Money But Watch Out!
Ugg boots clearance sales have gained popularity because of the natural and high quality leather material the shoes are made of. Having been featured in many celebrity fashion shows including the Oprah's Shows, it is certain that these boots are in high demand. But what exactly has made the recent increase in demand? Perhaps times are changing and everyone wants to be associated with these boots. Ugg clearance offer value for money because they are available in very competitive prices throughout many stores in the world.
However, there is a looming danger of scam activities linked to unscrupulous sellers of counterfeit ugg boots or online stores selling products which are not there in the first place. The ugg boots clearance are designed with materials that has good heat retention meaning that you will feel warm especially during those cold winters. The most described quality features of these boots are
• heat retention
• permeability
• moisture resistance
• protection of the feet
When you wear these boots with no socks, it allows the natural properties of the sheepskin sock liner to remove the moisture. In addition, the sheepskin lining of the ugg boots makes you feel comfortable because they mould well with your foot shape. Authority research has shown that the huge demand in these boots is because people have passion and love of the shoes including ugg boots clearance kids.
These boots are not only demonstrating an inclined fashion pattern but they are designed with sheepskin leather that has a lining providing a comfortable wear. They are durable and can be worn in different occasions even in weddings. These boots are manufactured by Deckers Outdoor Corporation and distributed and sold by many affiliated genuine UGG Australia brand sellers.
However, it recent times, there has been reported massive scamming activities all over the world including countries like U.K.,U.S. and major online marketplace such as eBay, Graig’s lists and other online forum and auction sites. These sites have been cited as common ugg boots cheap outlets, which are used by scammers to sell counterfeit or swindle money from unsuspecting consumers.
There have been more than 500 scam sites reportedly said to be or to have scammed people by luring them to cheap ugg boots. Consumers are warned not to fall prey of such websites and they need to buy the ugg boots from only authorized retailers. You can visit the UGGAutralia website to find the authorized online retailers in order to avoid getting into traps of these scammers.
Many consumers have lost their hard-earned money. If you are not sure of the online store you are buying your ugg boots clearance from, you can visit the UGGAutralia website and do a quick research. What you need to do is copy and paste the website of the online store to the UGGAutralia online retailer search tab and you will get information as to whether it is a genuine UGG approved store or not. Similarly, you may check the list of the authorized retailers.
Be careful on those websites that claim to offer huge discounts on ugg boots clearance. These illegal sites are using words like “ugg shops”, "ugg outlets", “uggs on sale”, "discount uggs", "cheap uggs", among others. To make things worse, the websites also illegally use the UGG brand name and those of other popular brands. There are many authorized retailers and you can get the list provided by UGGAutralia website.
Some of these authorized retailers include nordstrom, prospectoroutfitters, rockcreek, morganshoes, 98angel, amazon, athlete, billandpauls, and berkleygirl among many others. If you are visiting a store to buy your ugg boots clearance, you may check for security features like sun logos on the reflective strip that change from block to white when the label or sticker is turned 90 degrees. This security feature is for the ugg boots made from 2010.
For those boots made from fall 2012, there is a new security feature, which is a rolling optics that has a 3-D effect. When you turn the label, you will find that the UGG logo rolls over the background of the sun logos. For the 2012 and beyond labels, the security feature just incorporates the logos of the fall 2010 and in addition a rolling optic. From an authorized ugg boots clearance outlet, you can get genuine quality ugg boot that can save you money and offer the comfort you need.
• heat retention
• permeability
• moisture resistance
• protection of the feet
When you wear these boots with no socks, it allows the natural properties of the sheepskin sock liner to remove the moisture. In addition, the sheepskin lining of the ugg boots makes you feel comfortable because they mould well with your foot shape. Authority research has shown that the huge demand in these boots is because people have passion and love of the shoes including ugg boots clearance kids.
These boots are not only demonstrating an inclined fashion pattern but they are designed with sheepskin leather that has a lining providing a comfortable wear. They are durable and can be worn in different occasions even in weddings. These boots are manufactured by Deckers Outdoor Corporation and distributed and sold by many affiliated genuine UGG Australia brand sellers.
However, it recent times, there has been reported massive scamming activities all over the world including countries like U.K.,U.S. and major online marketplace such as eBay, Graig’s lists and other online forum and auction sites. These sites have been cited as common ugg boots cheap outlets, which are used by scammers to sell counterfeit or swindle money from unsuspecting consumers.
There have been more than 500 scam sites reportedly said to be or to have scammed people by luring them to cheap ugg boots. Consumers are warned not to fall prey of such websites and they need to buy the ugg boots from only authorized retailers. You can visit the UGGAutralia website to find the authorized online retailers in order to avoid getting into traps of these scammers.
Many consumers have lost their hard-earned money. If you are not sure of the online store you are buying your ugg boots clearance from, you can visit the UGGAutralia website and do a quick research. What you need to do is copy and paste the website of the online store to the UGGAutralia online retailer search tab and you will get information as to whether it is a genuine UGG approved store or not. Similarly, you may check the list of the authorized retailers.
Be careful on those websites that claim to offer huge discounts on ugg boots clearance. These illegal sites are using words like “ugg shops”, "ugg outlets", “uggs on sale”, "discount uggs", "cheap uggs", among others. To make things worse, the websites also illegally use the UGG brand name and those of other popular brands. There are many authorized retailers and you can get the list provided by UGGAutralia website.
Some of these authorized retailers include nordstrom, prospectoroutfitters, rockcreek, morganshoes, 98angel, amazon, athlete, billandpauls, and berkleygirl among many others. If you are visiting a store to buy your ugg boots clearance, you may check for security features like sun logos on the reflective strip that change from block to white when the label or sticker is turned 90 degrees. This security feature is for the ugg boots made from 2010.
For those boots made from fall 2012, there is a new security feature, which is a rolling optics that has a 3-D effect. When you turn the label, you will find that the UGG logo rolls over the background of the sun logos. For the 2012 and beyond labels, the security feature just incorporates the logos of the fall 2010 and in addition a rolling optic. From an authorized ugg boots clearance outlet, you can get genuine quality ugg boot that can save you money and offer the comfort you need.
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