No Credit? Here Are Easy Ways You Can Build Credit

Are you someone who has not established credit yet? Are you denied the same access to credit cards, loans and other credit ways simply because your credit score is too low from not having enough credit or no credit at all. Do not fret, because help is on the way!

If you are planning on getting a personal loan, owning a car, having a home of your own, working in a bank or finally acquiring the furniture you've been longing for a long time then establishing a credit is the answer.

Here are a few ways you can start building up your credit report and get on the road to good credit!

– Start to apply for a guaranteed approval credit card that reports to the credit bureaus. Take your time and always read the fine print in order for you to find the best deal for yourself. These cards are similar to debit cards but they have the Visa or Mastercard logo on them and they report to the credit bureaus.

– Another option might be to check if the lending institution of your choice has a secured credit card being offered. The interest may be higher but you may be able to upgrade to an unsecured card within 12 months if you maintain your payments on time.

– Another type of credit card with easy approval requirements is the merchandise credit cards and department store credit cards. These are an excellent source to start to establish a line of credit. Make sure it's a store where you can purchase a lot of your shopping needs. This way, you do not need to apply for a multiple cards at once which can be seen as a negative on your credit report. One word of caution. Department store credit cards tend to have high interest rates, many of their interest rates start at 15%. So keep an eye on your balance and try to pay as much as you can each month. NEVER make just the minimum payment, especially on a department store credit card.

– Do not forget to fill up any application for a loan or credit card completely. If something does not apply put N / A on that line. Including your checking and savings accounts and any accounts you pay for on a monthly basis even if they do not appear on your credit report. If they do not appear on your credit report, please make sure you include a way for your prospective lender to contact them for a trade reference.

If you are thinking about applying for a car loan, it's good to do research on the dealership or car lot where you want to make the purchase. Most dealers will provide a source of financing. Some may carry their own loan and payment plans. Be on the lookout though and read contract carefully if you do not want to get stuck with an interest rate that is through the roof. This venture is where a good cosigner may come into play.

Use these tips to help jumpstart your credit history and get approved for the credit that you deserve!

Copyright (c) 2006 Liz Roberts

Common Questions in the IELTS Writing Exam Under the Academic Module

It has always been said that preparation is the key to any endeavor. Indeed, success is possible when thorough planning and preparing have been considered well. For many Filipinos planning to work and study abroad, the first thing they have to do is to prepare their requirements and one of these is by taking an English competency test – the IELTS or the International English Language Testing System exam.

Due to the test’s popularity, hundreds of Filipinos nowadays are looking for IELTS review centers to get training and courses. IELTS review centers have created class courses that enhance the examinees’ English skills in short span of time. Moreover, Filipino examinees consider IELTS review centers a good venue to learn skills and strategies they need, most especially in the writing section. Writing is one section most examinees consider challenging; hence, they need more practice in this area.

The IELTS writing section is composed of two different tasks. The first task asks the candidate to write a 150-word essay describing a process or compare and contrast data presented in graphs, charts and tables. The topics that are covered in this section are very varied. There are graphs representing age differences in countries, spending habits in shopping, or internet activities of particular age groups. In process or chart data, candidates are presented with processes like making cement, picture booth process, precipitation, or charts of deforestation. Examinees need to understand the graph or the diagrams well to be able to interpret it appropriately.

The second task of the IELTS writing section asks the candidates to write a 250-word essay in 40 minutes. Examinees are tasked to give their opinion on a given topic or statement. The topics that are usually given in the second tasks are topics about old age, globalization, science and technology, environmental issues, lifestyle, education issues, and social issues. Examinees need to be familiar with these topics. Questions on these topics are not too technical so candidates do not need to read a lot on these topics.

Coming up with a good essay on both tasks might be a little difficult at first. However, with constant practice in writing essays, candidates will be able to develop their skills in improving their writing styles. Moreover, coaches in IELTS review centers constantly give feedbacks and comments to their trainees’ essays. They will guide examinees step-by-step until their essays become effective and appropriate for the IELTS examination. Indeed, being part of an IELTS review center creates great advantages one can experience.

Superdry Clothing – Sizes Explained

The problem is that Superdry sizes 'appear to be different' from other brands in the market (I've put that in inverted commas for a reason). That and the internet is plagued of misleading information on this topic. I've decided to sort this out once and for all. Or at least until Superdry change things up again. Superdry is actually very accurately sized. I know you were not expecting to hear that so I will explain why.

The Problem with Standards
There is an international standard for clothing sizes. The International Standards Organization, also known as ISO. They are the governing body for all sorts of standards, including a standard measure for the sizing of clothes. This should, in theory, give us a reference to be able to accurately choose clothes and convert between US, UK, European and other sizes. But it does not. There are problems with the international standards.

Getting too deep into these standards is beyond the scope of this article so I'm going to cut to the chase. There problem comes in two parts; Using letter codes like Small, Medium, Large and Extra Large and clothing manufacturers taking liberties with the established standards. They are not obliged to conform to the standard so there is not likely to be any change in the future. When compared to other clothing brands, a good rule of thumb is that Superdry clothing is approximately one size smaller. They are sized to fit properly but as most other clothing manufacturers are getting more and more generous with their sizing, it's better to go for one size bigger in Superdry clothes. For example, if you are usually a medium then you buy a large in Superdry.

Superdry Size Chart
Superdry clothing complies with the international standards; the problem is that other clothing companies do not. Superdry also use letter codes, so there must be a look up table to convert a size from Small, to chest size or women's dress size. If you've looked at their website you would have noticed that there is not such a helpful table anywhere to be found. I've developed a Superdry size chart.

Men's Superdry Clothing Size Chart

Sizes are chest sizes, measured in inches.

Extra Small = 36 "
Small = 38 "
Medium = 40 "
Large = 42 "
Extra Large = 44 "
Extra Extra Large = 46 "

Men's waist sizes are pretty straight forward. They are all in inches, the standard measure so you should not have any problems selecting your size.

Women's Superdry Size Chart
The UK and US dress sizes are matched to the ISO standards and may not necessarily match up to the size you would normally buy in other clothing brands. It is intended that you go by the actual measurements (in inches).

Extra Small = UK Size 8 / US Size 4 = Bust 34 ", Waist 25.5", Hip 36.5 "
Small = UK Size 10 / US Size 6 = Bust 34 ", Waist 26.5", Hip 37.5 "
Medium = UK Size 12 / US Size 8 = Bust 35 ", Waist 27.5", Hip 38.5 "
Large = UK Size 14 / US Size 10 = Bust 36 ", Waist 28.5", Hip 39.5 "

Buying Superdry Clothing
Probably the best advice I can give you is try before you buy but what if you do not have a store near you? Is this case you are left with the only option, to shop online where you can not try the item on before you buy it. There are exceptions however. Some stores, like Nucleus, offer free return postage on internet orders so in effect you can try the stuff on and send it back if it does not fit. It's a slight hassle getting to the post office but at least it will not cost you anything.

Article Branding is an Integral Technique to the Success of Your Product – Are You Doing it Right?

What does article branding do? It turns a common product into a unique and exciting buying opportunity. There are a number of things that branding builds upon: value, image, utility, quality and service. You must be prepared for an ever changing moody market that might drop you for something new and hot, Branding will help you overcome this, and set you up for sustainability.

Methods which are the keys to effective branding are as follows:

Your brands total value. This is the sum of all your branding. You want to optimize all branding techniques for as few advertising and research dollars as possible, which makes article marketing a great choice as it costs very little compared to other forms of branding.

Your product has to stand out. Differentiate your product. This is very important! How is it different and better than your competitors? Why do this? You want your product to stand-out in peoples memory. Some brilliant product Key stones can help here, like this pizza ad: “delivered hot to your door in 30 minutes or get it free” . People remember this because it becomes a challenge. And they become emotionally involved in the product.

Customer relationship: the customer must have confidence in the quality of your product, which in their eyes is far better than your competitors. They will feel that nothing can truly compete with the features of your product.

Article branding is perfect choice to do all of the above. If the market likes what it see in a brand, there is know doubt that it will lead to increased sales and will allow you to brand a second cup to sell to your customers.

But beware once you have branded your product, it is almost impossible to change this. So do it right, or you will go bankrupt.

This is where the power of the Internet and article branding comes into power: problem, how will the market respond to a brand? This is not an exact science. This will involve market research and doing this online is almost instantaneous, as you can test the waters by writing a few articles to see how people react to your branding, or post at the forums to see what their reactions might be.

First thing you have to know is what are your company’s goals? Your branding should be lined up with those goals. My tip: if you want to succeed at article branding go to the professionals in this field: