When I first heard that some friends were considering a party bus for Toronto, I thought that we were out of our league with one. It is not that I didn’t think we would enjoy it, because I knew we would. I just honestly did not think that we could afford it. While none of us are living pay to pay, we don’t earn super high incomes either. When one of them told me that they had already gotten a quote on the bus, I was waiting to hear what the damage would be.

I was pleasantly surprised though. I knew that there were going to be 20 of us going on this bus, and the cost split 20 ways was actually much lower than what I had been expecting. Read More →

As consumers vow to get in shape, eat healthy and lose weight, a war has been waged among the many commercial diet and nutritional programs. According to consumer reviews, it has come down to Nutrisystem vs Jenny Craig. And consumers are voicing their opinions loud and clear on weight loss review sites. Nutrisystem reviews seems to be quite favorable, while many consumers are making numerous complaints about Jenny Craig.

The cost of participating in weight-loss programs seems to be a divisive issue among consumers. According to some review websites, the monthly average cost for the Jenny Craig program ranges from about $500 to $650 per month, which includes the monthly fees, cost of meals and delivery. The monthly average cost of Nutrisystem’s program ranges from $250 to $350 per month, which includes the cost of meal and free or discounted meal delivery. And consumers who have tried Jenny Craig and Nutrisystem report that their weight loss results are quite comparable. So, consumers naturally are gravitating toward the lower-cost option with Nutrisystem.

Many consumers report that Jenny Craig’s one-year contracts are too binding, with little to no way of getting out of the commitment. Some consumers report that Jenny Craig’s personal consultants put heavy pressure on participants to purchase the high-end programs and that the consultants may be too agressive in their sales tactics. On these weight loss program review websites, former Jenny Craig employees reportedly are claiming that the company pushes consultants into meeting sales quotas, which is why participants feel the pressure.

On the contrary, consumer Nutrisystem reviews reveal a much different story. Nutrisystem participants report that they have received high-quality service, similar weight loss results as those from Jenny Craig and better overall customer service experiences. Consumers with Nutrisystem participate in a community-like atmosphere, where there is no pressure but instead a high level of support from Nutrisystem staff.

Trying to get healthy, get in shape and lose weight is difficult in itself. High-pressure sales tactics, reportedly overcharging customers and having sales quotas is no way to win over a consumer group that already feels vulnerable and maybe insecure.

There is a good tendency today towards minimizing the heavy ornamentation of 
so-called antique or Barbizon-type frames by giving them an all-over neutral  effect with only touches of color or gilt as accents.
The beginner in frame-making is often confused as to the choice of molding or  finish for a particular picture and therefore falls back on the practice of  copying a frame or finish he has seen elsewhere. Every-one learns by imitation,  but it is certainly better to develop one’s own critical faculties by trying to work out each problem individually. 
Since corner sofa bed framing is a skill that requires experience to develop to the point of  real facility, analysis of each framing problem by oneself will add to confidence  and the next job will be that much easier to do.
Picture corner sofa framing follows all general changes in sound decorative style, so no  one can expect to produce a frame which need never be changed. By keeping the  principles of good taste always in mind, we will not turn out something faddish  or freakish.
There will be times when a small or even tiny picture gains in importance  and is not necessarily over-powered by a very wide molding if used judiciously.  Again, a very large picture may only require the simplest of narrow Moldings  to set it off properly. There is no call to be precious, but care employed  when choosing the exact value of color for the frame or mat may make a  tremendous difference in the final effect.

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.

You can find those people out there which feel that they just don’t want to use a car dealer when they’re prepared to get used cars in Spokane. In fact you have a few choices right now, like buying from an auction, purchasing from a personal seller, or even the regular way of purchasing from a car dealer.

For some reason, however, car dealers have received some sort of bad rap over the years. Men and women somehow acquired the idea that car dealers have been bent on taking their cash instead of providing them with a great deal. This, nevertheless, couldn’t be more wrong! In reality, buying from a car dealer will offer you much more protection than any alternative to choose from.

First of all, you must look at the dealer warranty. You can’t get this when you buy used cars in Spokane from a private purchase or an auction. What’s more, a car dealer might ensure, if you are purchasing a used car, you could also get the remainder of the original warranty for the automobile as well. This really is one thing another seller can provide.

Yet another thing which you can be confident of if you buy your car from your Spokane car dealer is that your automobile will not be a stolen car or truck or one that is under a loan from a lender or government. In case the automobile you purchase ends up being in either of those situations, the vehicle dealer will have to reimburse your cash. A personal seller and auction houses won’t be bound by these laws and regulations. This means that you’re either going to have to shell out extra cash investigating the VIN of these cars or trucks or perhaps cross your fingers and hope it works out.

The fact is that an automobile dealer makes it possible for negotiation so that you can grab the deal you are looking for. Yet, more than this, they provide the form of safety that you are not going to find any place else. Your vehicle is an investment, one that can cost 1000s of dollars. Do you choose to place your confidence as well as money at the disposal of a person who isn’t bound by any laws to explain to you the reality concerning the car or truck or even to sell you something that satisfies your requirements?