3 Ways to Improve Your Credit Score in Less Than 5 Minutes #credit #report,credit #score,credit #cards,credit,personal #finance,financial #education


3 Ways to Improve Your Credit Score in Less Than 5 Minutes

If you are looking to buy a car, rent an apartment or take out a loan, you need to make sure that your credit score is at it’s best. While it takes seven years for most derogatory items on your credit report to be removed, there are a few things you can do to raise your credit score sooner.

Pay off your credit card balance

This is the easiest way to improve your credit score quickly. One of the major factors of your credit score is how you are using your credit. A big factor of that is your credit utilization ratio. This ratio compares your overall credit limit with the amount of credit you are currently using. Say you have an overall $10,000 credit limit and are carrying a balance of $5,000 total across your credit cards, then your credit utilization ratio would be 50 percent. Most credit experts advice to keep your credit utilization ratio below 30 percent, but if you can get it to zero, it will help dramatically raise your credit score.

If you can’t pay off your entire balance, even paying off a little can help. The lower your credit utilization ratio, the more available credit you have and the better you look to outside lenders. Even paying of 10 or 20 percent of your overall balance can help.

Get a new credit card

Taking out more credit may seem counter-intuitive, but adding to your overall credit limit will raise your credit utilization ratio. Here are the two ways that getting a new credit card can help raise your credit score:

Increase your credit limit: A new credit card will increase your overall credit limit, which in turn lowers your credit utilization ratio. The more credit that lenders approve you for, the more trustworthy you seem to other lenders. As a bonus, look for a credit card that has some great perks like cash back incentives, so you can earn money while you use it. Here is a good list of the best cards with great perks.

Transfer your balance: If you are carrying a balance on your credit cards, you can kill two birds with one stone. If you transfer your balance to a new balance transfer credit card, you can increase your overall credit limit while also being able to pay down your credit card balance. Even better, find a credit card that offers a 0% intro APR for up to 14 months so you will have time to pay down your balance without being charged extra interest on it. These are some good all-around credit cards with a 0% intro APR for balance transfers.

Fix errors on your credit report

If you have errors on your credit report, fixing them is an easy way to raise your credit score. Errors can include a credit lender reporting false late payments, accounts that reportedly went to collections even though you paid, or even accounts opened in your name without your knowledge.

First, you need to pull your credit report see if you have any errors. The government allows each person one free credit report each year from each of the three credit bureaus (Equifax, TransUnion and Experian). You can get these reports from annualcreditreport.com. Look over each credit report for any errors. Each credit bureau’s website includes instructions on how to file the paperwork to get an error fixed.

If you don’t want to go through the effort of fixing errors yourself, you can also hire a credit repair company to send fix requests on your behalf. Keep in mind that credit repair companies might try to convince you to try other ways to fix your credit, but you are paying by the month, so make sure they are focusing on your errors. Here are the two best credit repair companies compared side by side .

The Worst And Best States For Credit

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Accident Guide in North Carolina

What to Do

If you’re involved in a crash, how you react afterwards can go a long ways towards saving you money and, depending on the situation, saving lives.

  • If you’re involved in an accident, don’t flee. You will be wanted by the law, regardless if you were at fault.
  • Take precautions to prevent other cars from adding to the accident. If possible, remove all the vehicles involved from the road. And then stay at the side of the road.
  • Offer assistance to the injured. Do not move an injured person unless there’s immediate danger, like a burning vehicle.
  • Contact the nearest law enforcement agency.
  • Exchange information with all involved parties. Be sure to provide your name, address, driver license number, vehicle registration number and vehicle insurance provider.
  • Try to get the names and numbers of witnesses.

The Law

Make an immediate report to the police if anyone is killed or injured, or if the total damage to cars and personal property tops $1,000. Failure to report the accident could balloon into legal hassles and result in a suspended license.

Parked Car Collisions

If you hit a parked car and leave a ding, try to find the owner. If you can’t, leave a note with your name, number, and insurance information on the windshield. Then, report the collision to the local police (campus police if you’re on a college campus) or to the highway patrol. If the note blows away, it’ll be considered a hit-and-run, unless it’s been reported.

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CRNA vs. Perfusionist

Aug 27, ’11 by juan de la cruz. MSN, RN, NP Guide

Perfusion is a good career in my opinion. It’s definitely under the radar as far as a career option – very few programs in the US with small class size in most programs. The role goes beyond running the Cardio-Pulmonary Bypass machine in the OR, some work in Extra-Corporeal Life Support centers and provide expertise on ECMO use at the bedside. The pay is lower than CRNA. I found that they have a forum here: http://www.perfusion.com/perfusion/education.html #

I am currently in perfusion school, and will be starting CRNA school in the spring so I can give you some insight into what it takes to get into both. Perfusion programs are considerably easier to get into than CRNA programs mainly because it’s a little known profession and there are far fewer applicants. There are about 25 perfusion programs and 110ish CRNA programs nation wide. The perfusion program I’m in is 18mo and pre-reqs are a bachelors degree, 9 hours of chem including organic and biochem, 5 hours of pre-calc mathmatics, 4 hours of physics, and 7 hours of A+P. You don’t need any prior clinical experience, but I can tell you my experience as an ICU nurse and ECMO specialist put me way ahead of everyone else in my class.

CRNA school requires a BSN or bachelors with an ADN. Minimum 1 year ICU experience (few get in with only 1 year), biostats, physics, college level math class, organic/bio chem. programs nation wide are in the process of switching to the DNP plan of study and vary in length from 24-36mo.

I enjoy perfusion school. It’s challenging but I’ve decided to switch to CRNA for a few reasons: 1 it’s what I have always wanted to do and the reason I got into nursing in the first place. 2 there are about 3500 perfusionists in the US compared to 40000ish CRNAs way easier to find a job or change jobs. 3 CRNA’s are LIP’s perfusionists are not. 4 I see myself getting bored after 5 years or so. 5 Perfusionists starting salary 80000ish CRNA 130000ish.

Perfusion is a great career, and it is what I would be doing with my life had I not been accepted into CRNA this year. If you are interested in perfusion try and set up a time to shadow one. All of the perfusionists I know are smart, easy going, nice guys. If you have any other questions let me know.

Quote from piratenurse0226

Just a heads up, have you thought of going into a surgical or cvicu? Just asking because if you want to pursue CRNA, they will only take adult ICU exp no nicu exp. if you’re serious about applying I would find an adult unit in your hospital to get into.

Schools decide what experience they take. Critical care is the requirement. I attend school with a PICU and NICU nurse. Some places also allow ER.

Hmmmm, well that’s good news then. Most schools that I’ve researched as well as some websites I’ve looked up said most schools will only accept adult ICUs. Thanks for the heads up

You’re correct in that many schools will only accept adult ICU’s. I’m looking at a school in northern california (I’m working in socal at the moment) that takes NICU exp. I don’t see why schools such as Kaiser/CSUF and others don’t acknowledge NICU as critical care experience. Ridiculous, in my opinion.

Quote from bdoubleu

You’re correct in that many schools will only accept adult ICU’s. I’m looking at a school in northern california (I’m working in socal at the moment) that takes NICU exp. I don’t see why schools such as Kaiser/CSUF and others don’t acknowledge NICU as critical care experience. Ridiculous, in my opinion.

I’ll agree with you too. ICU is ICU, you need to do more drug calculations is seems for pediatrics/neonates than adults anyway. Best of luck!

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Over the past few years, home insurance rates have gone up, but and you wonder why. Of course natural disasters, recent mold litigation losses, even an individual’s credit history, can increase insurance rates. But a little known report, commonly called the CLUE report, can affect how much homeowners pay for insurance and it’s causing a lot of controversy. The insurance industry says CLUE reports help keep costs down, but opponents say the reports can be a home buyer’s nightmare. There are two major property claims databases, CLUE (the Comprehensive Loss Underwriting Exchange) and A-Plus (Automated Property Loss Underwriting System). Most people refer to the reports generated by either system as CLUE reports

CLUE was created in 1992 and is administered by ChoicePoint, a data management company. Some 600 homeowner’s insurers (about 90% of insurers) contribute claims data to it. The insurance Services Office, an insurance industry organization, runs A-Plus to which about 1,250 companies contribute. Insurers contribute loss data can also withdraw information from the exchange. According to the Insurance Information Institute, a typical homeowner files a claim only once in 10 years. Since the data is only kept for five years, most people have no CLUE record. Data provided in CLUE reports include policy information such as name, date of birth, policy number and claim information such as date of loss, type of loss and amounts paid.

Homeowners can get an electronic or mailed copy of their own CLUE report for a small fee depending on which state they reside in. If a homeowner lives in Maryland, Georgia, Massachusetts, Colorado, Vermont or New Jersey, they are entitled to a free copy of their consumer report.

Unfortunately, if a buyer is in the process of purchasing a home, they can’t order a copy of the home’s CLUE report. It must be done by the seller or the insurance carrier. Sellers who suspect errors may contact ChoicePoint or their insurance agency, which must follow certain procedures to investigate the discrepancy.

A buyer is recommended to make the purchase of a home contingent on receiving a copy of a CLUE report and being able to find affordable insurance.

CLUE reports are playing an increasingly important role in real estate transactions. Many buyers now stipulate that a CLUE report on a home must be included with the real estate transaction. One of the most controversial issues surrounding the information found in the CLUE database is that an innocent inquiry from a homeowner to their insurance company concerning their deductible or a possible claim, can trigger a file to be opened in the CLUE database-even if the homeowner does not file a formal claim.

Sellers might use a clean CLUE report as a marketing tool or a back-up to the Sellers Disclosure Form. The CLUE report will identify a previous 5 year history of the property. Sellers who find that past claims make their home uninsurable may have to take their home off the market. At most the seller would have to wait 5 years for all the claims to drop off the CLUE report as long as no new claims are filed.

Most state insurance laws allow insurers 60 days after issuing a policy to thoroughly review all the underwriting information, including CLUE reports, and cancel a policy if new information comes to light that makes the risk unacceptable. However, a homeowner’s policy must be in place at closing and since many home buyers leave purchasing a homeowners policy to the last minute, the insurer may not have checked all the underwriting material by the time the closing takes place. This may leave issues that could arise after the home has closed and the buyer has moved into the property. Because of this, Realtors are now encouraging buyers to start shopping for coverage early in the real estate transaction process and include a contingency that the purchaser is satisfied with the insurability of the property.

Retail crime in UK at 10-year high, industry report says – BBC News #jobs #in #retail #stores

#british retail consortium


Retail crime in UK at 10-year high, industry report says

Crime cost the UK retail industry £603m in the 2013-14 financial year, 18% higher than the previous 12 months, according to new research.

The British Retail Consortium (BRC) said shoplifting, cyber-crime and fraud is now at its highest since its current recording system began in 2004.

Theft by organised criminal gangs had become a huge issue, the BRC said.

The value of goods, money or services stolen from stores is now worth an average of £241 per incident.

Although the volume of theft offences fell 4%, the BRC’s annual crime survey said that gangs are targeting more expensive items and stealing in bulk.

The BRC report said that the “upward trend in the value of these offences is thought to be due to the continued impact of organised gangs stealing in volume and targeting higher value items to sell on”.

It said retailers surveyed “estimated that 40% of shop theft is carried out by organised gangs, with the majority of fraud also attributed to activity by organised groups”.

Items most frequently targeted included electrical goods, designer clothes, power tools and cosmetics.

The report found:

  • there were 698,184 offences resulting in loss or damage to property in 2013-14, but said the true figure is more like 3 million
  • customer theft made up the bulk of the criminal activity, accounting for 81% of all incidents
  • retailers reported a total of 135,814 incidents of fraud, up 12% on the previous financial year
  • there were five robberies per 100 stores in 2013-14, a 29% decrease but the cost per robbery fell only marginally, from £1,316 per incident in 2012-13 to £1,280 per incident in 2013-14
  • retailers reported 58,014 incidents of violence and abuse

BRC director general Helen Dickinson said: “Criminal activity against UK retailers continues to have wide-ranging consequences for businesses, employees and the vast majority of honest shoppers.

“It is clear that retailers are facing an increasingly sophisticated criminal. Despite an average investment of £2m per business in crime and loss prevention, retailers need help and support to respond to the threat.”

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