Your credit score is one of the most important things you have upon reaching adulthood. Most of your financials will get affected by your credit score. Therefore, it is of utmost importance for you to build good credit and ensure that you maintain it. However, there are times when we can’t avoid getting into some financial trouble, and everything gets messed up. It can happen to anyone; even the wealthiest person can get into some financial trouble. The good thing about your credit score is you can fix it.

Fixing your credit is very important since you will need it in many instances. Say, for example; you are planning to take a mortgage loan, one of the first things your Mortgage Broker Laredo will check is your credit score and credit history. If you have a high credit score that meets their standards and your credit history is right, then you can immediately get approved for a loan. On the other hand, if your credit has glitches, then you might get denied, and it is going to be a problem. So, while you can, fix it so when the time comes you will need an auto loan, mortgage loan and the like, you will not have a difficult time.

Setup Payment Reminders Now

One of the most common reasons for bad credit is missed payments or late payments. Doing so once is fine, but when it becomes repetitive, it becomes a problem. Therefore, if you are a very busy individual or a forgetful one, it is best to make payment reminders or automatic payments. In case you have missed payments, try to catch up so it will be easier to stay on track. However, you have to keep in mind that paying off your delinquency doesn’t erase them from your credit report. It will remain there for seven years.

Reduce Your Debt

When it comes to paying off debts, it may come as a struggle for many people since payables are never-ending. However, if you want to get done with some of them, it is best to try and adjust your budget so you can pay more. If possible, try to focus on paying off one loan at a time. Try to pay off the ones with the highest interest rates and with the highest penalties first. One mistake you need to avoid is to move around your debt instead of paying them off. Moving around will increase your mortgage due to interest so as much as possible, do not do it.

Fix Your Payment History

When it comes to your payments, you have to make sure that you will pay your bills on time and you will pay the right amount. Since lenders often check on your credit history, you need to show them that you are diligently making your payments so it will increase your chances of getting approved for a mortgage loan or any credit for that matter.

Limit New Credit

If you are starting to build your credit, we suggest taking it slowly. Do not apply for too many loans at the same time since they can also detect whether you are just doing it for the sake of rapidly increasing credit score. Besides that, having too many loans can get you in trouble.

The vast Indo-Gangetic Plain, extending from Punjab to Assam, is most intensively farmed zone of the world. Since independence contribution of agriculture to GDP has seen a decline, even after the green revolution. Our economic security concerns still depend upon agriculture as still 58% of the population is dependent on Agriculture compared to 75% at the time of independence. Around 51% of Indias geographical area is already under cultivation as compared to 11% of the world average. India leads the world in production of a few agriculture commodities. It is the largest producer in the world of milk, cashew nuts, coconut, tea, ginger, turmeric and black pepper. It is the second largest producer of wheat, rice, sugar, groundnut and inland fish. It is the third largest producer of tobacco. India accounts for 10 per cent of the world’s fruit production, ranking first in production of banana and sapota. The total food production in India is likely to double in the next ten years and there is an opportunity for large investments in food processing technologies, skills and equipment, especially in areas of Canning, Dairy and Food Processing, Specialty Processing, Packaging, Frozen Food/Refrigeration and Thermo Processing, Fruits & Vegetables, Fisheries, Milk & Milk Products, Meat & Poultry, Packaged/Convenience Foods, vegetable production, organic farming ,agriculture waste management,vermi-compost,production of Alcoholic Beverages & Soft Drinks and Grains are important sub-sectors of the food processing industry.


The potential that the country has is yet to be exploited for best output . If we look at it as livelihood activity we find 50 percent of the population contributing only 17% of the GDP. The agriculture growth is less than the growth of the economy. In spite of having good percentage of fertile soil, average yield in India is about 30% to 50% than that of world. So what are the factors that Govt. agencies and NGOs need to look at before implementing agro based livelihood projects?


UN establishes that India needs to do resource mobilization, improve project management and implementation in rural areas. Like providing advanced farming skills to farmers, irrigation facilities to overcome water shortage, proper storage facilities, better market linkages and high value for the produce, improve availability of high-yield varieties of seeds and advanced research and development should be done to improve per-hectare yield of crops in India. The govt. and research institutes are working on stem cell research, nanotechnology to improve the yield but our nation is much dependent on the monsoon and major areas of the country are facing severe droughts.


Despite various schemes like Gramin Bhandaran Yojna, Rashtriya Krishi Vikas Yojana, National Food Security Mission, National Horticulture Mission etc. and increased grant allocation from Rs 5560.00 crore in 2007-08 to Rs. 20208.00 crore in 2012-13 still everyday there are news of farmer suicides and why not when farmers earn merely Rs 1500 per month. Efforts should be made by Government, Donors, CSR organizations, NGOs to increase their income by enhancing their skills in modern agricultural techniques and practices which would increase the yield, contract farming, group farming, cooperatives, multi cropping techniques, production of cash crops, credit facilities etc. should be promoted so that the risks can be mitigated and their standard of living can be improved. Packaging and marketing of the produce should be the priority. One Block One Product is an efficient way to promote produces at national and international level. The ambitious project of connecting the major rivers should be implemented before its too late. With all these efforts we hope that the present situation gets better and the Agriculture sector gets revamped.

I have been actually earning a little bit of money gambling on the internet lately, not like I am planning on quitting my job or anything though. Last week I came out about sixty five dollars ahead, which is okay I suppose, although if you figure it by the hourly rate it does not come out so well. The week before I think it was about twice as much, although I tried to figure out how to play this game called ceme bankar and that cost me a little bit of money. Obviously it would be a good idea to figure out the rules of the game before you went to risk a bit of money and I thought that I knew what I was doing, but it turned out that I was not as smart as I thought that I was. It was just a little bit of a foolish side adventure though and I went back to playing things that I knew what was what. Read More →

I can’t get enough of playing poker online. I was introduced to a poker terpercaya website a few months ago by a friend and I’ve been playing on it every day ever since. I’m not the best player at the game, but I can win quite a bit. The other players really put up a good challenge, which is expected when winnings are on the line. I want to be better than the best players some day and climb to the top of the rankings. For now, I’m content with getting better with each win, and getting mad at each loss.

When I first started playing poker, I was in college. My roommates taught me how to play one day, and I’ve been playing against other people for years. Read More →

The agriculture industry is an interesting one, with constant developments and innovations. That is what we all enjoy reading about in agricultural magazines: interviews with innovative farmers, fun stories about daily life in the sector, and important news that you might have missed. But did you know that you can also use these magazines to your benefit?

Agricultural advertisers in SA

You might be working in the agricultural sector, but not as a farmer. There are many individuals and businesses who sell a variety of goods and services used in the industry, and if you are one of these you’ll know that you need to be found.

Being found by the relevant buyers is all about effective marketing, and one of the oldest, most trusted marketing strategies in the world is advertising. With the wide variety of agricultural magazines available in South Africa, agricultural advertisers are provided with a great way straight into the homes of their customers. So put your ads in those magazines!

Tell your story

Any good advertisers, agricultural or otherwise, will tell you that connecting with your customers is of utmost importance. Especially in modern times with so many options available, you will find yourself preferring to buy from suppliers you trust.

By telling your story, sharing unique information and bringing your business across as an interesting and interested ‘persona’ you get to connect with your customers personally. They get to know you, and that is how you will begin to build their trust, because you will seem more real to them. It also helps if you inform them about things before trying to sell to them, because they see you are willing to give as well. Buyers like that.

Keep your customers up to date

On top of letting your customers get to know your business, agricultural magazines also provide you with a means of letting them know what is happening in your business. Do you have new products? Are you running specials or competitions?

By making use of advertising opportunities like this you ensure that your customers are never left wondering what’s happening. They’ll know, and stay interested, because you’re keeping them posted.

Another great advertising opportunity being used by thousands of agricultural advertisers in SA is directories. By putting your details on these directories you ensure that customers have an easy way to find you.

Contact AgriFoodSA to get your business onto their directory and see just how well it works for yourself. You can find out about advertising in their magazine while you’re at it as well.