If you don’t have any credit at all or you have bad credit, you should prepare for bad consequences. The lack of credit can make it hard for you to get a loan or credit card. Your credit score is based on several components and you should handle it responsibly so to build a good credit history.

Do you know what your credit score is made of? The credit bureaus use your credit history information to determine a 3-digit credit score that will represent your creditworthiness. The most common credit score is the FICO credit score that ranges from 300 to 850. The FICO credit score is based on the following factors:

  • Payment history – 35% of total credit score

  • Credit utilization – 30% of total credit score

  • Length of credit history – 15% of total credit score

  • New credit accounts – 10% of total credit score

  • Mix of credit accounts – 10% of total credit score

To have a FICO score, you should have at least one account that’s been open 6 months or longer, and at least one creditor who’d report your activity to the credit bureaus in the last 6 months. Be aware that though all 3 bureaus, Experian, Equifax, and TransUnion, maintain a file on you, the information in those files may not be the same. Not all creditors report all 3 bureaus. However, even if the FICO scores might not match, they should be close.

If you’re interested in how to start building credit, consider turning to a reputable business loan provider and high risk payment processor like First American Merchant. With FAM, you’ll get exceptional business funding opportunities, including a merchant cash advance, and start building good credit without any difficulty at all. Bad credit isn’t a problem for FAM.

To start building credit, you should:

  1. Use a Secured Credit Card

A secured credit card works like a traditional credit card. You must pay it off at the end of the month so that not to end up with interest payments.

  1. Become an Authorized User

You can try becoming an authorized user of your family member’s credit card. If your family member has good credit, you’ll establish good credit as an extension of his/her credit history.

  1. Apply for the Right Credit Card

When choosing a credit card for you, focus on the annual fee, interest rate, credit limit, billing cycle, rewards or cash back, and cash advance fee.

  1. Keep Your Credit Utilization Low

To maintain good credit, keep your balance low. Your balance-to-credit-limit ratio should be kept around 30% or less.

  1. Pay off Your Balance in Full

Making your payments on time and paying off your balance in full will help you avoid paying interest.

  1. Auto Pay Your Monthly Bills

Set up your monthly bills to be paid automatically each month through your credit card account. Log into your credit card account and enroll in auto pay from your checking account.

  1. Don’t Use Multiple Cards

Limit the number of credit cards. There is no need to have more than one account. Don’t complicate your finances by multiple cards, balances, and payment dates.

  1. Avoid Closing Any Unused Account

Using your credit card longer adds to your reputation. Avoid opening multiple cards and closing them in case you’re not using them. Just one account will be enough. Keep your unused account open.

Follow the above-mentioned tips to manage your credit card responsibly. This way, you’ll be able to improve your credit score and avoid unnecessary debt.

The post office recurring deposits is the financial service of the Indian post in which a citizen of India can save their money with a post office regarding small monthly instalment for the period of maximum 60 months that earn good rate of interest on the saving wealth.

Indian Post office department offers different financial services to the resident of India to save their money in the post office financial services department. There many benefits of saving the money with Post office recurring deposit post account such as:

Protection of the Capital: Investing the money in post office recurring deposit is fully protected and guaranteed by the government of India. The money saved is invested under the supervision of the Government of Indian that ensures the protection of your money and no market risk is associated with the savings of recurring deposits. You can calculate your recurring deposits in this link to invest today.

Protect the saving from inflation: Though post office recurring deposit does not guarantee the saving of the investment from the inflation at any rate, but still, it promises a fixed and assured return on the investment. In the situation when the inflation rate of the market is higher than the guaranteed rate of return by the post office, in that customer may have to face some consequences of higher inflation rate, but on the other hand when the inflation rate is lower than the predefined rate of interest on recurring deposit, the money saved with the post office is saved from being affected by the rate of inflation.

Guarantee of return: The post office recurring deposit account guarantees the return on saving at the rate of 7.40% annually which is to be re-addressed shortly in any situation.

Liquidity

Though the locking period for the amount saved n the post office recurring deposit is locked for the period of 60 months, but it can be withdrawn to meet the sudden demand for the money for their expenses, but account holder has to pay some fee and penalty to withdraw the money before maturity time.

Credit Rating: The post office recurring deposit account is a product of government, of India and has no private control and does not require any commercial credit score.

What documents are the required to open PORD?

Opening a post office recurring deposit account is very processed with some documents availability as given bellow.

Documents required

1. Account Opening Form: This is the first and the most basic document which is required to open a recurring account with the post office of India.

2. Passport size photograph: Account holder is required to hand over two passport size photographs to the account opening department.

3. Address and Identity proof of the account holder such as Adhaar card, Form sixty or driving License and many others.

Eligibility

Any person is eligible to open a post office recurring deposit account, who is the resident of Indian with legal proof. There are certain other eligibilities to open recurring deposit account in Indian post office.

1. Any single male or female who attained the age of adult

2. Two adult joint account. (The amount saved in the joint post office recurring account is to be paid to both or any of the survivor or them). A joint account can also be converted into the single account and single account can be converted into joint account.

3. A guardian on behalf of minor or person with unsound mind.

4. A minor has attained the age of 10 year in his or her own name can also open the recurring deposit account with Indian post office.

When exactly the porn industry was born is hard to tell. Available evidence shows that the creation of images of sex and genitalia for purposes of arousal started as far back as the 16th century. However, pornography only became a recognized business in the early 20th century.

When it comes to the financial muscle of the sector, most experts believe that it runs into billions of dollars. In fact, some have said that porn in the US generates more money than Amazon, Google, Apple, Microsoft, and Yahoo combined. So, it’s a big industry. But putting a number on the economic size of the industry isn’t so easy.

According to Shira Tarrant, a professor of women’s gender and sexuality studies at Cal State Long Beach, the reason it is so difficult to estimate the economic size of the porn industry is because;

  • Official records are hard to come by.
  • Most porn companies don’t even keep records. And when they do, they always hide them away from government and other authorities for fear of legal implications.
  • Most researchers and academics who study pornography don’t take the industry seriously. Rather, they see it as a side kind of thing.

In a mid 2015 article, nbcnews.com reported that porn was worth approximately 13.3 billion in 2014 and that the industry was on an up. Before that, Covenanteyes.com, another online news website, reported that the porn industry has been growing steadily over the years amid multiple challenges. The website claims that the industry was worth at least $10 billion in 2001 though it’s important to state that at that time, a Forbes report indicated that the industry was worth just $3.9 billion.

Five years later, in 2006, another Covenant report was released which estimated that the industry generated $13.33 in revenue in that year. So, you’d argue that between 2006 and 2014, the industry made no progress at all. But is this the case? Maybe, maybe not.

What we know for sure is that there are a lot more porn actors in the USA now than in 2006. There are also a lot more porn streaming websites and tubes. Surely, merchants wouldn’t waste their time getting adult merchant accounts from emerchantbroker.com and the rest and host all these new porn sites if the industry was stagnating.

A possible explanation might be what we have mentioned earlier that merchants in this industry have a habit of failing to keep records and where they do hide them from authorities. This way, you will never know how much they are making and how fast the industry as a whole is growing.

The Olympic Games is a tournament that started long time ago. In fact the first Olympics tournament was staged on the ancient plains of Olympia in Peloponnese, Greece. However, the festival was banned about 12 years later, only to reappear several hundred years later.  The first modern Olympics Games tournament was held in 1896 Athens Greece where 241 athletes participated, representing 14 nations.

Through the years, the festival gained popularity and today, the Olympics Games is a worldwide tournament. While this has been welcome news to everyone associated with the festival, the people tasked with organizing the events have for long been wondering if they could commercialize the festival. Of course they usually sell tickets for attending fans and get tons of money from sponsors. But beyond that, the Olympics Games has remained a sleeping giant.

It is with this in mind that the International Olympics Committee (IOC) initiated discussions with different parties on what they could do to commercialize the festival. The committee was sure that selling merchandise with the Olympic rings would definitely earn some money.

So, they called in two Canadian experts Ben Husle and Greg Durrell to help the committee curate and codify the designs of past Olympics games. After this process it would have been easier to decide what logos could be printed on what merchandise.

From the outlook, the job seemed simple. At most, all they had to do was gather all past records and assemble them somewhere. But having taken the job very seriously, the two partners might just have saved the world over a century worth of Olympic logos!

Apparently, the past logos were already “rotting” wherever they were stored. In some cases, part of the logos had been cut off in the process of scanned meaning that the records in the store were actually incorrect! But because no one ever cared to check, no one would have realized this. If not for the pair, maybe the world would have continued to assume that everything was okay when in actual sense, our Olympics records weren’t accurate.

After cross checking over 25,000 different items the two were able to help the IOC determine elements worth keeping in the Olympic logos. Thanks to their good work, it is now understood that there is a huge Olympic Heritage Collection in store. If you’re a Canadian retailer, maybe you should be visiting eMerchantBroker.com soon to get a Canadian merchant account in anticipation of what may be a grand sale!

Soil Active Pro is an Australian-based business that is dedicated to improving the productivity and profitability levels of farmers all over the world. With unique products that harness the capabilities of modern innovation, Soil Active Pro is focused on improving the quality and effectiveness of the soil, which is clearly a farm’s biggest asset. By getting soils into a proper balance in terms of fertility levels, oxygen presence and other important factors, you can increase the quantity of your yields, increase the overall quality of the crop and minimize your need to tinker with the land in the future. These all combine to generate more money per square foot for farmers, a result that anyone in the farming business is sure to embrace with open arms.

Line Of Products

Soil Active Pro offers a range of crop enhancement products, from a completely natural soil re-builder to a liquid spray applied late in the growing process to enhance flowering and blooming. They are separated into three major categories including soil re-builders, soil conditioners and plant food. By treating and strengthening different phases of the growing process any and all inefficiencies can quickly be removed, allowing for an environment where everything can thrive, including annual profits. Soil Active Pro is a very innovate business that takes the entire scope of agriculture into account when treating and enhancing crops, turf and gardens.

Individualised Agricultural Programs

Along with offering a beneficial range of products to improve soil and crops, Soil Active Pro has also produced a unique and proven program of soil analysis and testing – the Soil Active Pro Agricultural Program. In order to gain a comprehensive understanding of your soil and its scientific makeup, samples are sent to an independent soil testing laboratory – SWEP Analytical Laboratories, a 100% Australian owned business that is world-renowned for their extensive soil analysis capabilities. Once Soil Active Pro receives the results of the testing, they compose an individual Agricultural Program using the information attained and the feedback and needs of the customer. Once the details have been agreed, a trial process is completed on your property and the results are assessed. In addition to receiving a detailed report and quote, a Soil Active Pro Consultant will remain in contact with you to monitor the process and implement the specialised Follow Up Program.

Case Studies

A number of independent studies have been conducted using the range of Soil Active Pro products throughout Australia. These case studies have included trials in the Dairy, Cattle, Turf, Fruit & Vegetable and Forestry industries.