10. TACTICS & TECHNIQUES THAT MAKE COLLECTION AGENCIES BEG FOR MERCY!

The 'Get-Off-My-Back' Wage Earner Plan!

Using Federal Bankruptcy Act, Chapter XIII - Wage Earner Plan, you can file for immediate relief form unmerciful creditors and collection agencies. To be eligible, your monthly bills must exceed your income, and your major income must be earned from a salary or commission.

You can file for the Wage Earner Relief Plan simply by contacting your attorney or the U.S. District Court nearest you. Ask to speak to the person who administers the plan.

Generally within three days of filing, a restraining order will be issued to all of your creditors. Which Will:

1) Stop creditors, collection agencies, lenders, or anyone else who has been notified from contacting or harassing you any further.

2) Immediately stop all action against you that had been initiated by creditor. (Note: For this relief plan to work, it must be accepted by a majority of your creditors. If the majority agrees to the plan, all others must comply.

3) Immediately stop interest and late charges from accumulating any further.

11. YOU CAN SEEK INJUNCTIVE RELIEF THAT FORCES CREDIT BUREAUS TO STOP REPORTING NEGATIVE CREDIT INFORMATION FROM YOUR FILE!

'Injuctive Relief' is an effective legal maneuver that can permanently remove damaging information from your credit report. You will, however, probably require the services of an attorney. This is how it works!

If you can clearly demonstrate that information appearing in your credit report is inaccurate and is damaging

1. LEARNING HOW TO GET CONNECTED WITH GOOD CREDIT

Obtaining credit can be incredibly easy or extremely difficult. Once you have established credit, it can open doors of opportunity you never even considered being a possibility. Credit can allow you to take the dream vacation of a lifetime, drive a luxury car, dress in the latest fashions, achieve the American dream of owning your own home, or starting your very own business.

The fact is, now that society has rapidly shifted into the fast-lane of being a cashless society, it would be almost unthinkable not to have credit. People who have the misfortune of losing their good credit rating in today’s world, will most certainly immediately begin to feel like social outcasts.

It is a very traumatic experience when people find out something is wrong with their credit. Millions of people have been, and will continue to be notified they now have bad credit. Many don’t seem to understand how it all came about! What they do know, however, is that all of a sudden they aren’t as well-off as someone who still has their good credit.

Without good credit, people soon discover it’s difficult to just keep up with the no-frills, everyday existence items that are needed. Unless an individual knows how to improve, increase and repair their own credit, they will have to overcome many obstacles.

Most people don’t have the slightest idea of where to begin. But once you read the following 'GUERRILLA TACTICS' you will learn how to quickly improve and repair your good credit starting Today!

2. TO PUT YOUR PLAN IN MOTION YOU MUST KNOW WHO THE CREDIT REPORTING AGENCIES ARE

Credit Bureaus are extremely powerful organization. Going against a credit reporting agency is almost like a military encounter. Fortunately, once you’re armed with the Guerrilla Tactics provided in this report, you can rise to the occasion of winning both the battle and the war!

In the beginning it may appear as if Credit Bureaus have the advantage. After all, if you are an adult living in America, the overwhelming odds are that a credit bureau somewhere knows who you are, where you live, the name of every employer you ever worked for, how many times you applied for credit, how many times you were denied or approved, and how many time you were late in making a payment. Similarly, it’s all in a credit report that once accessed by a subscriber, will tell them whether or not you should receive additional credit. The ultimate decision is arrived at by looking at the entries in your file.

3. MAJOR CREDIT REPORTING AGENCIES

1) Chilton Creditmatch Systems, 12606 Greenville Ave., Dallas, TX 75243

2) CIB 'Credit Bureau Inc.'/EQUIFAX, P.O. Box 4091, Atlanta, GA 30302

3) Pinger Systems/Associated Credit Services Inc., 652 E. North Belt, Ste. #400, Houston, TX 77060

4) TRW Credit Information, 505 City Parkway West, Orange, CA 92667

4. TO ACHIEVE YOUR CREDIT GOALS, YOU HAVE TO OBTA INYOUR CREDIT REPORT AND THEN ATTACH WITH PRECISION!

There are approximately 5,000 credit reporting and collection agencies operating in the United States today. If a credit problem exists it may or may not be brought to your attention. For example, damaging inquiries and variations may appear in your file without your knowledge. However, if you apply for credit and there is a problem whereby you were rejected, you would be notified by the lender and told that the credit application denial was the result of a credit bureau report.

If you either know or suspect you have a credit problem, there is no way to know what you are up against unless you get a copy of your credit report. This is where any major roadblock to getting credit will surface.

Even before you attempt to obtain or increase credit lines, you should first obtain all credit reports that are available on you. You can accomplish that by calling for one or more of the credit bureaus listed and asking for your credit report. There may be a small fee for this service. However, if your application for credit is denied by a creditor, then you can receive a credit report at no charge from the credit reporting agency. We recommend that you do not wait until a credit card company, bank, or other lender denies your application for credit, before you obtain the report.

Even if you don’t suspect a problem, you should get a credit report on yourself just to identify any false of incorrect information that has been entered into your file. Damaging computer errors, human entry errors, incorrect social security numbers, addresses, employers, and income errors happen all the time. At the very least, you should make certain you haven’t become the victim of computer error.

5. ACCELERATING YOUR CREDIT APPROVAL BY MATCHING & CONTROLLING CONNECTIONS

Bankers and lenders in a certain geographic area usually turn to one credit reporting agency. There are many, however, that subscribe to more than one. That can work in your favor because in many cases your complete credit history may never be accessed by a credit bureau located in another area.

Your credit file could list multiple damaging information in one credit report, but never show up in another! By obtaining your credit reports in advance, you will know which lender to approach for credit. All you have to do is ask!

6. HOW TO ACTIVATE A BANKER’S DESIRE TO FORCE MONEY INTO YOUR HANDS!

By applying for credit through a bank of other lender that subscribes to a credit reporting agency outside the area, there’s every reason to believe that some damaging information will not appear in your file.

Remember, the only way bankers and lenders can survive is to extend credit to consumers. By taking steps to sidestep one credit report that has negative entries, and taking advantage of another that show you as a good credit risk, creditors will practically force hard cash into your hand. Here’s how:

1) Obtain a credit report form one of the credit bureaus to determine if there are damaging entries that might cause your credit application to be denied.

2) Call several banks of other lenders and ask the receptionist, etc., which credit bureau they use in their application approval process. If the individual tells you they don’t know, ask them to find out.

3) Select a bank or lender that subscribes to a credit reporting agency other than the one typically used in the area.

4) Obtain a credit report from the credit reporting agency that your selected lender uses.

5) Repeat step number 4 until you find a report that is favorable to your and shows the least negative entries.

6) The only thing left for you to do is apply with that bank, lender, or other creditor that subscribes to the credit bureau that has a credit report the most favorable to you.

7. BULLDOG TACTICS SO POWERFULTHEY’RE DEVILISH!

When you receive your credit report, write down every piece of information that is inaccurate or untrue. Even if an entry is partially true, you may still want to dispute it. Especially if your credit report will be improved as a result.

Read all of the instructions on the back of your credit report very carefully. Symbols may be used for much of the information entered and you will have to understand each one. It’s easy to become confused but a number you can call if you have a question will be provided.

Here are steps you can take to have damaging entries removed from your credit report:

1) Make a list of inaccurate or untrue entries that you find in your credit report.

2) Call the credit bureau and tell the appropriate person that you want to dispute an entry you have noted on your credit report.

3) Don’t allow any credit bureau employee to talk you out of proceeding with your appeal. To avoid a distracting confrontation, don’t even tell them you want to challenge. They won’t initiate any action on your behalf anyway until they receive your appeal request in writing.

4) To initiate the proper appeal procedure, ask the person you speak with to send you a 'Dispute Form.'

5) Complete the 'Dispute Form' and return it to the credit bureau by certified mail.

6) When the credit bureau receives your written dispute request they will then attempt to verify the dispute you ahve indicated with the bank, lender, or creditor responsible for having the damaging information listed.

7) You will be notified of their decision withon 30-45 days.

This technique will work for you to eliminate negative entries from your credit report for one of two reasons. 1) Most creditors don’t hang on to old files. They either place them in storage or throw them out. That means they won’t be able to easily verify your dispute, if at all! 2) Many other past creditors simply don’t care to waste their time verifying the accuracy of a credit report that isn’t relevant to making money right here and now!

That is the basis of why credit repair clinics were so successful when they came on the scene. They knew form experience that by created a flood of challenges directly to a credit bureau, sooner or later credotrs who continually received inquiries would become frustrated and simply not respond. They also knew that if the credit bureau didn’t receive a response from the creditor they mailed an inquiry to, on your behalf, within 30 days, the damaging remark by law had to be removed. Thus, a cleaned-up credit report.

8. BEWARE OF DOUBLE-TROUBLE CREDIT REPAIR CLINICS

'Credit Counseling' and 'Commercial Counseling' services are two completely different things. Before you sign any papers that end up causing you even more financial harm, you better know who you are dealing with!

Whereas credit counseling services are generally non-profit, commercial counseling services (clinics) may charge you 10%-15% or more of your total debt. Meanwhile, the services provided by the non-profit agency is basically the same.

9. 'GRAND-SLAM SUCCESS' DOESN’T HAPPEN BY ACCIDENT!

Just about everyone at one time or another has experienced some kind of problem with their cash flow. that’s when it became difficult to pay the montly bills and keep up with credit obligations. When that happens, damaging information may begin to appear in your credit file, and bad times can become even worse.

For many people it becomes difficult, if not impossible to obtain any further credit, just when there is a desperate need for it. Unfortunately, banks, lenders, and othe rcreditors do not extend credit on the basis of need. Credit can swiftly be taken away form anyone who cannot demonstrate they are a good credit risk.

Most people can be successful in overcoming credit rejections that have resulted due to damaging information showing up on a credit report. The problem that most people run into, is that they become desperate and will rsort to anything and anyone that comes along with false promises. Then they find themselves in deeper trouble because they’vehanded out more moeny they don’t have, to a crook who gives them nothing in return. Giving yourself a grand-slam, clean-credit slate doesn’t happen by accident. There are a number of techniques and methods that can be utilized to create or restore a good credit record. The following information is being provided to you on the basis taht is have been successfully used by others. None of the information is being recommended as techniques you should use. If you decide to use any of the information contained in this report, it is recommended that you first consult with an attorney to obtain legal advice.

your character, credibility, or ability to obtain credit, you can seek Injunctive Relief through the courts. Once relief is granted, a Judge can order a Credit Bureau to immediately stop reporting any damaging information appearing in your credit report as outlined in the order, until such time as a trial or investigation is conducted.

After you, or your attorney, succeed in persuading a Judge to issue an order for Injunctive Relief, you will have from that moment on until the conclusion of a trial or investigation, to obtain new credit.

12. THE 'HERE’S JOHNNY!' CHANGE OF ADDRESS METHOD

Here is another way you can eliminate damaging entries from your credit report:

1) You can magically appear in a completely different part of the country from where you really live, simply by creating a new address for yourself. Just ask a friend or relative to receive your mail at their address and have everything forwarded to that address. The further away, the better. If you don’t know anyone that lives well out of the area, rent a mail drop location. All of your mail will be forwarded by the mail drop to any address you like.

2) After you have established a new address, you can request a credit report from the bureau that services that particular area. Apply with lenders that use this bureau. What you will generally find is that the credit bureau you are now dealing with will have a limited ability to verify negative items appearing elsewhere.

13. CHECK BANKRUPTCY OFF YOUR CREDIT FILE, BY CHECKING IT OUT!

The following method of manipulation works (according to some who have used it) when combined with the precious 'change of address' method. Just follow these next five steps!

1) Discuss the technique with an attorney who is willing to help.

2) Because bankruptcy is overseen by federal courts, bankruptcy files are kept in the federal archives.

3) Before you apply for credit have your attorney request to have your file 'checked-out' form the federal archives.

4) Using your out-of-state address as described in the previous 'change of address' method, follow the normal procedure used for appealing any damaging information appearing on your credit report.

5) As long as your attorney has your bankruptcy file, a credit reporting agency will not be able to verify its contents. If they cannot make verifications within 30 days, they must remove the damaging information form your credit report. Because credit bureaus can request an extension, your attorney may have to repeat the process several times. It becomes a question of who will tire first. According to those-in-the-know, it’s usually the credit bureau.

14. TELL YOUR SIDE OF THE STORY AND 'SMASH' DAMAGING ENTRIES

Another way to challenge and neutralize entries that appear on your credit report is by taking advantage of the '100-Word Consumer Statement.' This method allows you to tell everyone who obtains your report your side of the story. A simple statement may be all it takes to convince a bank, lender or other creditor that a negative piece of information that is appearing in your file, was nothing more than an unfortunate incident ath couldn’t be prevented at the time.

For example, you have been layed-off with hundreds of other workers and suddenly found yourself out of work. By telling your side of the story, a lender will understand why you had problems paying off your credit obligations.

Be certain to be sincere, honest, and not too wordy. Never express anger or hatred. Allow creditors to give you the benefit-of-a-doubt, and the credit you deserve. Ask the credit bureau about placing a 100-word consumer statement into your file.

15. HOW TO REMOVE A JUDGEMENT THROUGH A 'MOTION TO VACATE'

People have reportedly removed damaging entries (such as judgements) from their credit files by using the following method:

1) Hire an attorney who is willing to help you with yout goal of having damaging entries removed form your credit file.

2) Ask your attorney to file a motion of Service of Process for the purpose of having a damaging judgement entry removed from your credit file. It may be a weak argument for sure, but in this motion, your attorney will argue that the process was served improperly. People have reported that this technique will ultimately work in your favor.

3) By filing a motion of 'Service of Process' you are forcing a creditor to appear in court with an attorney to prove the initial legal process was done properly.

4) This legal maneuver works in your favor because, if the lender responsible for the judgement (for example) has been paid, why would he even want to go through the time and expense of showing up?

5) If you show up and the creditor doesn’t, you will win your case through default. Then you will have the legal ammunition necessary to have the damaging judgement information removed from your credit file.

16. HOW TO UNCONDITIONALLY FORCE CREDIT BUREAUS TO QUICKLY GIVE YOU THE ADVANTAGE BY PLACING POSITIVE INFORMATION INTO YOUR CREDIT REPORT

According to Federal Laws enforced by the Federal Trade Commission (FTC), if a credit report results in a debtor’s application for credit being denied, that person has the right to add information that will show a more positive credit history.

All you have to do is contact the credit bureau of your choice and ask them to contact a list of banks, lenders, or other creditors whose names you will provide, for the purpose of having the credit information they provide on you added to your credit file. there may be a small fee, but the good news is that you will practically be able to force a credit reporting agency to improve the substance of your file by putting positive entries on your credit report.

The only businesses you should list are those with whom you have had a flawless credit relationship with. Contact the poeple on your list and let them know a credit reporting agency will be calling or send them a questionnaire. After information has been received and verified, the bureau can add positive items to your credit report.

17. THE EQUAL CREDIT OPPORTUNITY ACT & WOMEN

Under the Equal Credit Opportunity Act, women have the right to build up their own credit without being discriminated against. Women who do not apply for credit in thei own names are at a ditinct disadvantage. In the event of a divorce or death of a mate, there wouldn’t be a credit history reflecting any personal contributions.

Under the Equal Credit Opportunity Act there is not reason for women to lose their identity when they are married. You can become familiar with all of your rightss as a woman by writing to the following address and asking for your FREE copy of 'WOMEN & CREDIT HISTORIES.'

Federal Trade Commission Washington, DC 20580 ATTN: Women & Credit Histories FREE BROCHURE

 

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 Many women complain about not having any credit. Those complaining are those who REALIZE that they do not have credit, single women or divorced women, specifically. However, there are many married women who have no credit because financial matters are handled by their husbands, and they are not even aware that they are without any type of credit rating. This is a large problem in America today.

Divorce seems to be the predicament that taunts women in search of their own good credit ratings. Either the wife did not have any of her own credit during the marriage, or the credit she shared with her husband took a bad turn during the divorce.

The key to your credit success, regardless of your marital success, is that you build your own 'sole and separate' credit. There are many benefits to be gained. First, in the event that the marriage does not work out, each spouse may part with their own credit. If the wife was always on time with her payments and the husband was poor with his payment schedule, they should be able to part ways with her credit intact.

Another good reason to have separate credit is in the event a financial tragedy comes your way, leaving you with no alternative but to file bankruptcy. It might be possible that one partner could file while the other remains clear.

If your husband currently has all the credit, have him place you on his accounts as a 'sharer' of the account. You want to be sure you share the account but not the contractual liability. This way you will NOT be responsible for his errors. If it does show as a negative on your rating, you will be able to dispute it as you did only share the account. If the account is in good standing, work on getting it on your credit rating as you may take the responsibility for the good rating. For men in similar situations, try the same method.

If neither the wife or the husband have any credit, then both would sign the account as 'joint' in privileges and contractual liability. Continue this process until you both have enough credit to get credit singularly. Then, as your new sole and separate accounts begin to get established, start closing the joint accounts you once shared. The purpose of this is to establish your credit as 'sole and separate'.

Consider also the use of a joint checking account. A clean checking history is very helpful in building credit, however, be wary if your spouse is particularly neglectful when maintaining a checking account-the end result could cause more harm than good.

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Credit card debt is one of the biggest causes of stress in relationships. A police officer once said to me “We don’t get called to domestics where people are arguing about having too much money.” Most people worry about money and I suspect those who don’t have their heads buried in the sand. The best way to get out of debit is to stop using credit. For many people this can seem like an impossible task yet the truth of the matter is that buying more debt will never, ever get you OUT of debt.

The next step is to look at debt consolidation. This is useful for those who have numerous, unrelated debts such as several store charge cards, overdraft, and various credit card balances. When I was in this situation my finances were a mess and I paid hundreds of dollars each month in late payment fees. If this is you resemble that remark, check out debt consolidation and see how it can help you. One payment each month is a lot easier to keep track of and pay on time than half a dozen smaller ones. The only caveat I would add here is to not swap unsecured debt for secured debt unless your financial advisor is sure that it is the right thing for you – you don’t want to lose your house over an unpaid credit card bill.  Debt negotiation can help you reduce your total debt by up to half if your creditors are prepared to give you a discount in return for full debt settlement.

To work this plan you need at least $400 to begin. Then go to a bank of your choice and deposit the $400 into a regular passbook savings account.

Wait a few days for the account to be posted and return to the bank to ask for a $400 loan - you offer the passbook as collateral. Since the bank is already holding your $400, you go to another bank open a savings account lending you another $400 and they won’t even make a credit check. Then, with your borrowed $400, you go to another bank, open a savings account, return a few days later, borrow $400 from that bank using your passbook as collateral.

Then repeat the process at a third bank with your borrowed $400. Wait a few days to go to a fourth bank where you open this time a CHECKING account. Wait a few days and make a payment on each of the other three loans. A week later, make payments again on the three loans, and continue paying each week until you have almost paid off the balance.

A credit investigation at this point will show you with three active bank loans (which are considered hard to get), a checking account, and a paying history for the three bank loans - with you having paid up in advance. Thus, you have AAA credit in as little as 30 days.

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Some banks are eliminating the standard 25 or 30-day grace period within which you may pay your bill within being charged interest. This is the normal grace period before interest kicks in. But this is slowly changing. For example, some banks are offering extremely low fixed rates, but without a grace period. These cards will charge you interest from the date it processes your charge slip.

If you usally pay your bills in full within the normal grace period, it is best you avoid no-grace-period cards. The 25 or 30-day garce period is more financially significant for you than a lower interest rate. However, if you carry a balance each month, you’re better off with a lower interest rate. In this case, a lower interest rate can save you more money than a grace period would.

Most banks and thrifts charge interest from the day they process your charge slip when you use your card to get cash. In addition to this, some cards are now assessing cash advanced service charges based on a percentage of the amount received. It used to be that service charges were based on a fixed fee, regardless of the amount of transaction.

If you avoid interest charges by paying off your bill each month, seek out a card that offer very low interest rates plus a grace period on purchases. Some institutions periodically offer cards with no fee for the first year as a promotion.

Don’t be lulled into getting 'premium' credit cards such as 'goldcards' and Premier VISA. The only significant premium with these cards is the extra amount you pay in higher annual service fees. Besides the fancy finish of the card, the only other benefits you get with premium cards are travel insurance and the extra protection if your card is lost or stolen. Since by law, you are only liable for up to $50 if your regular credit cards are lost or stolen, the zero liability you are getting from premium cards is hardly worth the extra money.



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They arrive in your mail - a conspicuous looking mail piece from some 'official looking' bank claiming that you have been Pre-Approved for a Mastercard or VISA credit card.

Of course, you don’t have to have any credit. You can even have bad credit or have just filed bankruptcy or even be rated as a 'slow payer.' It doesn’t matter because these companies want to give you a second chance! These companies want to make it easy for you to obtain a credit card because they only want your money!

How the thing works is that you must send $35 to receive an application that provides you with a name and address listing of banks willing to give you a VISA and/or Mastercard without any credit approval. That’s a stiff price to pay for a sheet of paper, don’t you think? The instructions that come with the application will let you know how the scheme works. You must open up a bank account with the bank once that bank approves you. Big deal! They make it appear that you have won some contest or something and people will feel 'good inside' that someone has approved them.

But that’s not all. The minimum amount you must deposit is $200 but you can deposit as much as you want. In return, you get a Mastercard or VISA credit card with a credit limit up to the amount you deposit. Wow! What a great honor! This is no break! Think about it. If a stranger gave you $200 to hold for him until Friday wouldn’t you feel safe in granting them a $200 loan? I mean - it’s their own money you’ve got. If they default, you’ve got the full amount to pay off the loan. It takes a twisted mind to take $200 from you, grant you $200 credit with your own money plus charge you astronomical interest rates just to take the money from your hand and give it back to you. That’s insane!

Of course - to combat this insanity, the great and wonderful banks claim to help fix your credit report. They say that if you maintain payments in a correct fashion, this information will be reported to the credit bureau. Yea, right! When Shell calls the credit bureau to check your credit for a gas credit card, your report shows 47 defaulted loans and a bankruptcy. However, there is one company that you make payments to on-time. Big deal. Don’t you think the rest of your bad credit will still be the deciding factor in Shell’s final decision. You bet you bottom dollar!

Look at this: the bank makes money from the interest of your deposit. The bank also makes money by charging you 18% to 22% interest for the right to use their Mastercard or VISA. Plus the bank is guaranteed their money because if you don’t pay on time, they take the money out of the bank account you opened with them along with any interest you have accumulated.

Why would anyone with $200 to deposit want a credit card with a $200 limit? If you have $200 and want to buy an item for $200 - go out and purchase it. That way, you’ll own it lock, stock and barrel. No interest, no payments, no hassle! Plus, you won’t owe your soul to the company store - sort-of-speak.

Credit is a wonderful thing if you use it intelligently. I know people who charge $100 at the beginning of the month and use that $100 to make $300. It’s free money for 30 days. Then, when the bill comes, they immediately pay the entire balance and come out smelling like a rose with $200 to the good. Credit is also needed in certain circumstances for establishing clout. You can’t call in a telephone order unless you can charge the purchase to your credit card. This delays you getting items you want now.

In fact - some companies will try and make you feel 'low class' if you don’t own a credit card. I am proud to say that I DON’T OWN one. When I’m in a store and they say 'Would you like to put this on your charge?' I promptly say, 'No, I pay for everything I buy!' They immediately shut up. And if they would snap back with a rude answer, I’d leave the stuff sitting on the counter, walk out of the store and get what I needed somewhere else. You don’t have to take abuse just because you don’t choose to line the pockets of the rich credit card companies! It’s insane!

If you’ve ever had a credit card and charged $200, you know you end up paying back $400 or more (unless you pay the balance within 30 days.) Stop allowing these so called banks to rip you off.


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along with free shipping and handling.Deciding on the right style of blind or shade for your home can be a complicated decision. Some popular choices are:

• Aluminum Mini Blinds are the most widely used window treatment in the US. Aluminum mini blinds have slats in widths of half an inch to two inches.
• Wood blinds feature wooden slats in a variety of stains, paints and finishes and also provide excellent energy efficiency.
• Panel Track Blinds are also referred to as sliding panels. They are one of the newest innovations in vertical blinds and are a popular choice for or larger openings.
• Faux Wood Blinds are constructed from slats that are moisture-resistant, won't scratch, chip, or fade and are perfect for high moisture areas such as kitchens, laundries and bathroom.
  
• Vertical Blinds complement most window shapes and add height to a small room or emphasise a high or decorative ceiling.. They are constructed from 3 1/2" vertical panels , open and close like curtains and can be rotated to both open and closed positions to allow for light and privacy control.

Is your home in need of custom window blinds? Bali window blinds can help – not only as a supplier for your window covering blinds, but also as a consultant.

Bali window blinds is the best custom window blinds resource for information about selecting custom window blinds. They specialize in helping customers make smart choices for their window covering blinds. Bali window blinds can provide you with information about how to choose the right custom window blinds for your home as well as an up to date look at the latest trends, styles, and ideas to make your windows grab the attention of visitors to your home and neighbors passing by.

In addition to offering you with wonderful consultant advice, bali window blinds offers a wide selection of window covering blinds as well. Most custom window blinds only come in a very narrow selection that limits your ability to choose a particular style. But with bali window blinds, it's different.

Custom window blinds can be hard to find when you have an odd shaped window, but bali window blinds makes it an easier task. With their broad selection of custom window blinds, you are not limited to only a few choices just because your window is not standard size or shape. Click on the link to learn about all the different types of custom window blinds that bali window blinds has to offer. http://www.window-shutters-and-blinds.com/bali_window_blinds.html.

If you are looking to cover a window with custom window blinds, look to bali window blinds for help. For selecting the appropriate window blind coverings as well as finding the custom window blinds that are perfect for your window, bali window blinds will make this home decorating project easier than you can imagine.

Click on the link to learn more about bali window blinds. They come in a variety of sizes and shapes. They can be made to fit just about any window and can be purchased online. Click on the link to get all the facts and info at http://www.window-shutters-and-blinds.com

Since we spend up to 90% of our time indoors than outdoors, the risk of exposure to these allergens is greater. Furthermore, individuals who are most likely to be exposed to indoor air pollutants for the longest periods of time are more often than not the most susceptible to the effects of indoor air pollution. These include children, the elderly, and those who are chronically ill, particularly those suffering from respiratory or cardiovascular disease. As such the quality of indoor air is of great importance. Air purification is one of the main strategies for maintaining clean indoor air, and for the reduction and prevention of allergy symptoms, asthma and other respiratory diseases.

Air purifiers come in various shapes, sizes, prices, and features, with a wide variety of technology, which helps to purify or sterilize indoor air by eliminating different types of airborne pollutants, chemicals, odours or allergens. For those who suffer from allergies such as rhinitis, dust mite allergy, pet allergy, hay fever and multiple chemical sensitivity, it is crucial to inhale purified air. The majority of air purifiers have been proven to filter out 99.7% of all particles from indoor air. Chemical fumes, tobacco smoke and dust can be absorbed by an air purifier filter. High Efficiency Particulate Air Filters (HEPA filters) often used in air purifiers are very efficient in filtering out most allergens that can be related to allergic and asthma attacks from within indoor air. They can remove 99.7% of all particles that are 0.03 microns & larger. With the use of an air purifier, allergens or airborne pollutants are removed from indoor air so they are unable to continue circulating through the air.

Why are air purifiers good for you?
1. Air purifiers will greatly improve the quality of the air in you home.
2. Dangerous pollen and other allergens will be removed.
3. Unpleasant odours will be eliminated.
4. Pet and human hair will be removed.
5. Symptoms of allergies and respiratory diseases will be reduced.
6. Cigarette smoke will be filtered particularly if an air purifier specifically designed to deal with particles and gaseous pollutants of tobacco smoke is used.

Recommended products

What air purifier?
Seeing that there's a wide variety of air purifiers to choose from, we have done the hard work for you by selecting the best air purifiers to suit your need. Click on the link that best suits your needs.

Dust Mite Allergy
Asthma
Hay Fever
Clean Air in Style

Start shopping from our range of dehumidifiers and air conditioners.

References
1. Albertini R, et al. Air purification and indoor biologic pollutants. Allergy 2000; 55: 780-782.

Visit our Learning Centre for more on Asthma, Dust mite Allergy and Hay Fever.

Useful links
Air purifiers - Air Purifiers and Clean Air Resources http://www.air-purifiers-online.co.uk/air-purifiers-and-your-health.php

US Environmental Protection Agency - The Inside Story: A Guide to Indoor Air Quality
http://www.epa.gov/iaq/pubs/insidest.html#Intro1

Asthma UK
http://www.asthma.org.uk/applications/site_search/search.rm?term=indoor+air&searchreferer_id=1

Fighting Asthma in Your Home
http://www.cmhc-schl.gc.ca/en/co/maho/yohoyohe/inaiqu/inaiqu_005.cfm

Asthma Society of Ireland
http://www.asthmasociety.ie/

Disclaimer
This article is only for informative purposes. It is not intended to be a medical advice and is not a substitute for professional medical advice. Please consult your doctor for all your medical concerns. Kindly follow any information given in this article only after consulting your doctor or qualified medical professional. The author is not liable for any outcome or damage resulting from any information obtained from this article.

http://www.allergymatters.com

Article Source: http://EzineArticles.com/?expert=Ellis_Chen

If you’ve ever watched Lifestyles of the Rich and Famous, you are familiar with what luxury bedroom decor is. It is defined by it’s beauty, material, style, and placement within a room. Luxury bedroom décor applies to anything from window treatments to throw rugs to lampshades.

Having luxury bedroom décor in your home will instantly make you feel like one of the stars, as you relish in its color, fabric and design. Usually, this type of décor has a theme throughout a particular room. These can run anywhere from an Egyptian theme to a marble theme to an Italian villa theme.

A popular theme is nautical, where blue and white stripes are painted vertically on the wall. They can be topped off with an eggshell finish to give it a slight shimmer. Couches match, displaying navy pillows and ottomans and sconces light up a room with a soft, dim glow. This kind of luxury bedroom décor will surely make you comfortable asleep!

It’s best that your luxury bedroom décor matches, so that it can give your room a unified feel. Pick your own favorite theme and place items of that description all over—and don’t forget that luxury bedroom décor is not complete without luxury materials!

For more information on luxury bedding, furniture and bedroom decor visit http://www.luxurybeddingcollections.com - find out more about popular themes, materials and designs.

For information on Asian inspired home and bedroom decor visit http://www.asian-furniture.net

I struggle with gift ideas for men. I never know what to get my dad or brother. If they want something, they just go out and buy it! So by the time birthdays and Christmas come around, there isn’t really anything they want and there are only so many shirts you can buy a person.

However, this year I have a great idea – beer of the month club. How good is that? For just $21.95 (plus $10 shipping) each month, dad and my brother can get a Twelve pack of four types of unique microbrewed beer in 12-ounce bottles each month, courtesy of the Great American Beer Club. The beer selections come from two or three different microbreweries each month, so you are going to get to try beers that you might not ordinarily come across at your local liquor outlet or favourite bar. 

Beer of the month club - I think it’s a great gift. It’s practical, classy and something every beer lover can appreciate! Once the guys find some beers they particularly enjoy, they have the option of re-ordering at a discounted price. It’s a really great idea. Plus, there is a monthly beer lovers newsletter to help them become true connoisseurs! The company has been running since 1994 and all beers are hand selected by a panel of experts (LOL!). Also, there’s no minimum membership period so you can trial the monthly beer club before making a commitment, but if you sign up for a year, you will receive a $25 credit towards a second membership. 

The number may seem grim for Web-based commerce. In 2004 in the Unites States alone, computer users logged in more than 207,000 Internet fraud reports to the U.S. Internet Crime Complaint Center. If you look hard at this number, you may be astounded, and a good bit frightened, by the implication. You may ask, "Is it really safe to buy and sell at an online site?"

Put simply, the answer is: yes. The Internet is an incredibly powerful tool for business, so you can't pass it over just because of a few crooks and conmen-even if they do seem like they're behind every pop-up window and banner ad. The truth is that you can create opportunity and make more money online than you could lose in fraud.

Better yet, you could lose absolutely nothing if you know the warning signs of fraud and the tricks to avoid danger during your Web-based business dealings.

Whether you're looking to buy or sell goods online, the first-and the best-way to fight fraud is prevention. There are certain warning signs to watch for, which should set off a chorus of alarms and flashing red lights in your head. Don't do business with this person! For buyers, these potential warning signs can be when a seller:

 

If you're a seller, you ought to be wary of signs of a suspicious buyer, such as when a buyer: These warning signs, of course, are only for a handful of the frauds and scams out there. Conmen are good at what they do, trying to separate you from your money. That's why it's best to always follow these golden rules of online commerce whenever buying or selling on an Internet auction or classified site.

Keep your common sense. No matter how good a deal seems, or how much clients say they want to pay, always remember the old adage: "If it sounds too good to be true... ."

Do your business locally. Try to buy and sell from your neighbors as much as possible. It's safer, more convenient, and better for your local economy. What's more, it saves you the trouble of dealing with foreign vendors and buyers. Though they may be legit, dealing with them can be complicated because of different legal systems and customs, which can make any conflict difficult.

Seal the deal with plastic. Paying for items with credit cards, and allowing your customers to charge for purchases, is a great all-around business decision. Under U.S. law, all plastic purchases are protected from fraud and allowed to be disputed in case of problems.

Meet at the middle man. Intermediary services are virtual middle men that protect both buyers and sellers from cyber shysters. Services like Escrow act as a holding pen for both payment and sale items until both the buyer and seller are content. Only then will Escrow finish a transaction.

Purchase with PayPal. As Escrow and credit cards do, PayPal guards against fraud for both buyers and sellers. It's a secure and reliable way to transfer money over the Internet. No wonder PayPal is the most popular online money transfer service.

As you can see, the odds are actually in your favor when it comes to doing business on online classified or auction sites. The resource of the internet is far too valuable than to be taken away by a few crooks and conmen. It simply comes down to being smart, sensible, and observant whenever buying or selling on the Web. Then again, that's what all good business is about, whether you're doing it in a mall or on the information superhighway.

Author Bio
Donald Lee is the public relations manager for Buysellcommunity.com. Buysellcommunity provides free classified listing services for individuals and businesses to market their products and services online. For global and localized classifieds, please visit http://www.buysellcommunity.com Free Buy & Sell Classifieds

Article Source: http://www.ArticleGeek.com - Free Website Content 

What are Star Rubies?
Star Rubies are a rare variety of the gemstone Ruby. These magnificent gems display a sharp six-rayed star which seems to glide and shimmer magically across the surface of the gem when the latter is moved. This is caused due to an optical phenomenon known as "Asterism". The star is best visible when the star ruby is seen in a single light source such as sunlight and spotlight.

What causes the Star-Effect?
Star-effect or "asterism" is caused by the dense inclusions of tiny fibers of rutile (also known as "silk"). The stars are caused by the light reflecting from needle-like inclusions of rutile aligned perpendicular to the rays of the star. However, since rutile is always present in star rubies, they are never completely transparent. In fact, star ruby is one of those few gemstones which actually require inclusions (i.e. rutile).

Are Star Rubies rare?
Today, out of every 100 rough corundum (ruby and sapphire) mined; only three will have stars apparent after being cut into cabochons. Out of these three, one will have a poor color but a good star; one will have a poor star but a good color and only one out of hundred will have both a good star and a good color!
Most original sources of star rubies such as Mogok (Burma) have run out of supplies. Worldwide production today is yielding a very small quantity of fine stars (especially in sizes above 5 carats). Star rubies are becoming rare as most rough today is cut into faceted stones after heating instead of being cut into cabochons to display the star.

Star Ruby Myths and Legends:
Traditionally, star rubies were worn by knights in the battlefields to protect themselves from the enemy. Local tales in Karnataka (India) say that if it is worn as a visible pendant or as a headgear then anyone who faces you as an enemy looses half his valour. The power of star ruby is said to be the highest during full moon.
Star Ruby is said to pep up internal strength, ward off tensions, distress the mind and drive away stress related problems like migraine, insomnia, and hysteria. The healing powers of gemstones remain a controversial issue, but are mentioned since ages by healers, shamans and medicine men. Whether it's a fact or a placebo effect doesn't matter, if it helps.

Famous Star Rubies:
The Delong Star Ruby resides in the Natural History Museum in New York City. It weighs 100.32 carats. Discovered in Burma during the early part of the twentieth century, it was sold by Martin Ehrmann to Edith Haggin DeLong, who donated it to the museum. In 1964 the Delong Star Ruby was the object of an infamous burglary, carried out by Jack Murphy, known as Murph the Surf, and two other men. It was then ransomed and recovered. The Delong Star was found at a designated drop off site - a phone booth in Florida.

The Rosser Reeves Ruby is one of the world's largest and finest star rubies. Weighing 138.7 carats, it is not only clearer and more translucent that the Delong Star, but also possesses a sharp six-rayed star. This Sri Lankan stone is renowned for its great color and well-defined star pattern. Advertising mogul Rosser Reeves, who donated the piece to the Smithsonian in 1965, carried it around as a lucky stone, referring to it as his baby. He often stated that he had acquired the stone at an auction in Istanbul in the mid-1950s. He actually bought the stone from Robert C. Nelson Jr. of New York who was acting on behalf of Firestone & Parson of Boston. Firestone & Parson were selling the stone for Mr. Paul Fisher of New York. Mr. Robert Fisher, Paul's father, had bought the ruby at an auction in London in 1953. At the time the ruby then weighed just over 140 carats, but was very heavily scratched, and a few carats were removed in the repolishing. The repolishing also helped to center the stone's star. Articles in the New York World-Telegram and the Sun in 1953 mentioned this fabulous gemstone.

Zodiac / Birthstone Information:
Ruby is the birthstone for July, and the Capricorn zodiac sign. The top quality of ruby is Star Ruby. Ruby is also used to celebrate a couple's 15th and 40th anniversaries.

What to Look for while buying a Star Ruby:
The value of Star rubies is basically influenced by two things: (a) The strength and sharpness of the star, (b) Intensity and attractiveness of body colour.

Sharpness of the Star: The star should be sharp and silvery / milky white. The best way to test the sharpness of the star is to look at the star ruby in sunlight with the dome facing the sun. All six prongs should be straight and equally prominent. The complete star should be centered in the middle of the gem, but should also be able to glide effortlessly around the cabochon.

Colour of the gemstone: Generally rubies are red. But star ruby is usually not red. Most star rubies are available in pinkish-red, purplish-red or purplish-brown colour. Red Rubies with a perfect star are very very rare and may cost a fortune.

Cutting: Cutting is very important to exhibit the star effect in ruby. They need to be cut into medium to high, domed cabochons to get the perfect star effect. The cabochons must be round or oval-shaped. The stone should not be too flat on the top or too heavy on the bottom. Many bottoms of stars are kept unpolished so that the light is trapped inside the gemstone.

Caring about your star ruby:
Though there are very few chemicals that attack Star Rubies, it is best to clean your star ruby with warm soap water and a toothbrush. Cleaning your Star Ruby in Ultrasonic cleaners is not recommended.

Treatments & Synthetics:
Genuine Star Rubies are usually not heat treated because heating can dissolve the rutile (silk) which causes the star to form in the first place.  Beware of Synthetic (Lab-made) Star Rubies! Synthetic star rubies jump out as way too perfect looking, i.e. a perfect star, a super clean stone, and great color. In natural star rubies the distribution of colour is often uneven, in stripes and spots - which is the best way to judge with the naked eye whether the star ruby is natural or synthetic. However, sometimes it may be a tough task to distinguish between natural and synthetic gems and if you run into any such stone, be sure to ask for a Reputed Gem Laboratory certificate from the seller. No doubt synthetic star rubies are much cheaper than natural ones, but they may offer little or no resale value.

Advise on Star Ruby Jewellery:
Star Rubies are available in all forms of jewellery. However, Star Ruby Rings and Pendants are usually preferred. To maximize its astrological and healing effects, it is advised that the gemstone should be mounted in jewellery in such a way that the bottom of the stone touches to skin. Star Ruby can also be kept as a loose gemstone. Rubies look best in Yellow Gold Jewellery, though it really depends on the choice of the wearer.

For more information on Star Rubies, visit The Star Ruby Shop at www.starruby.in/store/

Mod2vint.com is a brilliant jewelry site with styles to suit every wardrobe and budget. Any outfit can be updated with the current season’s colours and shapes for much less than new outfit. If you stick to classic basic shapes in your wardrobe – pencil skirts, boot cut dark denim jeans or cross-over dresses, for example – you can change your accessories seasonally for a face lift.

I am always on the look out on the latest trend when it comes to accessories. Accessories can like fashion rings can bring elegance and beauty to a formal outfit or a business suit, or something as simple as trendy earrings can bring a cutting fashion edge to a clubbing or casual outfit.

On mod2vint.com you can search by jewelry type such as fashion necklace, fashion pendant or vintage pin. They pride themselves on their customer service and offer a seven day returns policy.

OK guys, we all know that buying a diamond engagement ring is no big deal, right? Well, actually, it's probably one of the most important purchasing decisions you'll ever have to make because of the high-ticket value and the sentimental importance of the gift you give to that special someone in your life. For the most part, a diamond engagement ring is something that will have to last forever, and may even be passed down to the next generation as a family treasure. All the more pressure, then, to make sure that the diamond engagement ring you select is of high quality and is likely to last the long haul. However, is there also a way to ensure you don't end up with a dud, and you get it right when trying to choose that ring your partner secretly has her eye on?

The first thing to do when preparing to buy a diamond engagement ring is to illicit from your girlfriend what kind of styles and designs of rings she likes. Does she like something plain with one solid diamond, or something a bit more adventurous with a number of smaller stones? Is she going for gold, or does she prefer white gold or platinum for her ring? Obviously don't come straight out and ask her unless you want to completely ruin the surprise, but try to find out what she likes and what she doesn't first off.

When you understand what she likes and what she doesn't it's time to find out her size. Yes, rings do come in different sizes. It depends on the thickness of your wife-to-be's finger what size she should take, and there's no real easy way of finding out this info if you don't know it already. Try asking he friends and family, or alternatively take one of her rings into a jeweller who should be able to advise you on which size you should be looking for.

Finally it is important to ensure the standard of the craftsmanship is high so as to avoid potential damage to the aesthetics or to prevent the ring from coming apart later down the line. Remember that the ring you choose is likely to be worn forever so it really does make the difference if the quality is there. Regardless of price, think of the ring you choose as an investment in a long-term loving relationship.

A diamond engagement ring is obviously an important purchase. But why do so many people end up buying in a rush or ending up with a less than suitable item? Probably because shopping for rings is a new experience for most men, who have no idea of what their girlfriend likes and what makes a good diamond ring better than a poor diamond ring. Particularly when it comes down to analysing the stone, and the composition as a whole, it's important to make sure that the ring you select is well crafted and stylish to make the grade - after all, she might still say 'no'!

Nearly every person in the world has old gold and used jewelry laying around in their dresser drawers, safety deposit box, or jewelry box. Some of these things have not been worn in years or are simply out of date. Perhaps somebody gave you a piece of jewelry and you don't wear it anymore. Now more than ever you can turn this used, old and outdated jewelry into real cash. Did you know that you can do this over the Internet safely and securely? There are just a few things you need to keep mindful when doing so:

1. How long has the buyer of your gold been operating on the Internet? Minimum of 5 years would be good.

2. Does the buyer have a physical mailing address as opposed to a PO BOX and where your package can be signed for with proof of receipt?

3. Does the buyer belong to the BBBOnLine program run by the Better Business Bureau?

4. Can the buyer turn the transaction around in a few days (3 days maximum) as opposed to a few weeks?

5. Does the buyer have the means to pay you quickly through an online payment system directly to you?

6. Does the buyer track your order and keep you up to date via email?

7. Does the buyer offer a fair price for your scrap and used gold or unused gold and jewelry? As of January 8, 2008, about $15.00 ppw is fair and reasonable.

8. Does the buyer assure your confidentiality? That your sale will be kept completely confidential?

If the answer is NO to any of these questions, run to the next internet buyer and ask the same questions again until you get YES answers to each and every question.
Selling your old and scrap gold has never been easier and safer through the Internet once you have found a "qualified buyer". Again, a qualified buyer answers yes, to each and every question above.

Selling your old, used and scrap gold through the Internet will help you to yield a higher payout than if you sold to your local pawn shop or local jewelry store. Word of advice, DO NOT SELL YOUR SCRAP GOLD TO ANY PAWN SHOP. You will receive only pennies on the dollar and will have to fill out extensive paperwork. On the Internet, there is NO paperwork to fill out and since there is lower overhead to process your scrap gold, you will receive a much higher payout.

Once you have found a qualified buyer for your scrap, used or old gold and jewelry, the process for redemption (getting your cash) should be easy.
Go to any office supply store and purchase a reinforced and secure mailer. This is a mailing envelope that is reinforced to prevent tearing or easy access by anyone after you have sealed it. Anybody at the office supply store can help you locate this type of envelope or we will send you one for FREE.

1. Place all of your scrap into the mailer, after you have addressed it to the buyer. Make sure you always have a return address on the mailer.

2. Always use the United States Postal Service (USPS) when shipping your package. We have never lost a package through the United States Postal Service. Why? It is a federal crime for anyone to take possession (even touch it, except by postal workers) of US Mail other than the recipient (Company being mailed to). This is not the case with FedEx, UPS, or DHL. Obviously, never disclose what is inside any valuable package. Insure for $100.00 (a little added security) and then mail it to the buyer.

3. You should receive confirmation within 3-5 business days after you have mailed your scrap gold.

4. The buyer will send you an email confirming receipt of your scrap gold and jewelry.

5. The buyer will do some tests on your old and used gold, weigh it and make you an offer for purchase. You either accept the price or decline the price offered to you. If you decline, your package will be sent back to you.

6. If you accept the price offered to you for your old, used and scrap gold, the buyer will send you your payment by company check or instant payment through your valid email address. It should be that simple!

Why not turn unused and old gold jewelry into cash through the Internet? There is no better time than right now. Use the cash for some new jewelry or use the cash for a vacation or maybe some new furniture! Whatever you use the money for; it is safer and easier now than ever to trade your old gold and jewelry for cash today through the advances and safeguards of the Internet.

Diamonds are the enduring symbol of eternal love, as well they should be. Diamonds are the hardest natural material known to mankind. What could better represent eternal love than something that is practically indestructible?

Tradition says that the custom of giving a diamond engagement ring began in 1477 when the Archduke Maximilian of Austria gave Mary of Burgundy a diamond ring and married her the following day. At that time all diamonds came from India and the common fellow had little hope of offering one to his own sweet love.

But if diamonds are so indestructible, must a gentleman give his lady a newly mined and cut diamond? I say no! The opportunity for a true bargain exists in a pre-owned diamond.

Regular retail stores have an enormous markup in the price of their jewelry, but great deals can be found by looking beyond the traditional jewelry store. Sure, you can get a deal at the most famous of the “big box” stores, but does your lady want to wear the same ring that thousands of women across the country have just chosen? What about the 4 C’s of diamonds: cut, color, clarity, and carat? You might want to make sure that one of your 4 C’s doesn’t stand for “cheap.”

Investigate the potential bargains to be found at jewelry and loan shops, also called pawnbrokers. Well-established pawnbrokers work well within the structure of the law of the land and provide a valuable service to the community. A person who may not have a terrific credit rating, but needs a loan to fill an emergency need, has some place to turn to. Frequently folks have old jewelry that could better serve as cash for groceries or for an auto repair bill than as a reminder of great-grandma in the form of a broach.

How do you make sure you are getting what you are being sold? Regardless of where you purchase your diamonds, insist on a certificate of authenticity and quality from a reputable source such as GIA, the Gemological Institute of America. GIA was established in 1931 and was the creator of the 4 C’s diamond grading system. IGI, the International Gemological Institute, and AGS, the American Gem Society, are also respected sources to certify diamonds.

Wedding Anniversary Rings Eternity Rings are popular choices for gifts and you can find many styles to suit all budgets.