Archive for the ‘Free Credit Score’ Category.

Is There Really Any Secret to Buying a Car With Bad Credit?

There is no secret to buying a car with bad credit, however knowledge is power. The more that you understand the options that you have in regards to obtaining financing, the better off that you will be. Car dealerships are not going to sit there and tell you everything that there is to know about bad credit car finance. Typically, they don’t tell you anything more than what you need to know to convince you that the deal that they are offering you is the best that you are going to be able to get.

Would it be any surprise to you if there was something better than what is offered at a car lot? Would it surprise you if there were better options available for obtaining financing and that a dealership won’t tell you about them?

It should come as no surprise at all that there are in fact options that you have that you will not be told about at a car lot. Those options can significantly increase the odds of you being able to be approved for more car with less money. It is not a secret, however it is knowledge that many people that have bad credit are not aware of.

What you need to know if you have bad credit, is that there are lenders that are available to work with you that you cannot deal with through a car dealership. While dealers may have access to many lenders, there are other options available.

My recommendation: If you obtain your financing outside of a car lot and away from where you are shopping for your car, then you have an opportunity to think logically about the decision that you are making and are less likely to be taken advantage of. There is no one that will be trying to talk you into doing something that you may not need to do.

Also, your emotions and the emotional attachment to a vehicle is less likely to be a factor that will influence you to make a compulsive financial decision. There are websites on the Internet that are reputable and can help you obtain car financing without your having to deal with a salesman or having to go from one car lot to another, trying to find a dealership that has the right lenders to approve you based on your individual circumstances. 

Enter your ZIP code and household monthly income at http://www.MyCreditTree.Net/ and see if there is a lender that will approve you for a no money down car loan. You can also apply at http://www.FundMyVehicle.Net/ and get approved in 45 seconds.

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I Want a New Car But Have Bad Credit – What Should I Do?

If you want a new car and have bad credit, then you have probably not been very happy with the answers that you have been getting at car dealerships.

Usually, when you test drive a car and a new car dealer and fill out a credit application, the salesman will typically try to interest you in a used car. The odd caveat of this is that the payments for a used car can frequently be more than the payments on a new car because of the types of lenders that dealerships typically use.

The payments on used cars being about the same as the payments on a comparable new car is due to the fact that new cars can be financed for a longer period of time. So, when you have looked at a $ 15,000 used-car that will have payments of $ 350-$ 450, depending on interest rates, you would actually pay about the same thing for a brand-new $ 20,000 car. This is because the newer car can be financed one or two years longer than the used-car.

Now, those are not exact figues, but a representation of a typical deal.

It’s very discouraging when you have smelled the new car smell and driven a new car, only to be told that you need to be looking at a used car because of your credit. After having driven the new car, every thing else on the used-car lot just does not seem to compare.

There is really exciting news if you have bad credit and would like to entertain the idea of buying a new car instead of a used car. Some lenders look at new cars as being better for people that have bad credit. This is because new cars naturally have a new car warranty, which means that you will not be spending out-of-pocket money for car repairs for the first few years that you are making your car payments.

If you want a new car with bad credit, your best option is to use a lender that caters to people that are in your situation. There are a few good resources for this that can give you an easy approval on the Internet.

Enter your ZIP code and household monthly income at http://www.MyCreditTree.Net/ and see if there is a lender that will approve you for a no money down car loan.

Environment – Capping-and-Trading Carbon Credits

Both the private sector and the U.S. Congress are working from opposite on the same scheme that is supposed to stop and hopefully reverse global warming – the “cap-and-trade” system of “carbon credits.”

This is how the scheme works:

Carbon dioxide (CO2) is known to be the number one polluter of our atmosphere and thus number one culprit in global warming. Private companies, and especially utility companies that produce energy through fossil fuels like coal, are among the top producers of CO2. And right now there is no limit to the amount of CO2 that such companies can produce.

Thus, someone suggested to create an artificial “scarcity” of CO2, which would be a very good thing.

How do you do that? By passing a law to limit the amount of CO2 that each company can produce.

But what if a company produces LESS than it’s allowed amount? Or what if another company needs to produce MORE carbon dioxide for various reasons?

Then the company that is below its “carbon emission quota” can sell that “right to pollute” on the open market to the company that needs to emit more carbon into the atmosphere. Thus, such “carbon permits” can be sold and bought just like regular stocks in the stock market.

The cap-and-trade system is already in use in Europe at this writing (March 2007) and the prices of such permits tripled within the last two years.

An increasing number of giant corporations in the U.S. are now endorsing the cap-and-trade system thinking they need to be at the table when the nature and amount of caps are decided. I think they are being very smart. You either have a role in determining the rules of the cap-and-trade game or you live by its ramifications. You are either sitting at the steering wheel of this cap-and-trade juggernaut or you are going to get hit by it.


Ugur Akinci, Ph.D. is a writer with 20 years of experience. He is available for a wide variety of freelance assignments. Visit his web site for more information on his services.

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Environment – The Politics of “Carbon Credit” Incentives in New Zealand

Using “carbon credits” as a tool and an incentive to slow down global warming by rewarding those that release less carbon dioxide to the atmosphere is a solution that must be implemented with utmost care for the correct policy measures to go along with it.

If implemented within a framework of incorrect politics, it can backfire and either handicap the economy with unnecessary restriction and land use patterns or create serious political fractions within a country, or both.

A case in point is the “deforestation tax” controversy raging in New Zealand (as of early 2007).

It all started when the forest owners in New Zealand felt compelled by market forces to shift their land use from forestry to dairy farming. This would have required cutting down forests to make way for the dairy farms. By 2012, a total of 44,000 hectares of forest are expected to give way to pastures and other uses.

However, there is a problem. When live tress are cut, they eventually release all the carbon dioxide that they have stored inside. Thus deforestation by definition increases the “carbon footprint” and contributes to the greenhouse effect.

The overall cost of “deforestation liability” is estimated to hit $ 650 million by 2012 in New Zealand.

As an incentive to stop or slow down the conversion of forests to pastures, the government announced a deforestation tax for trees that were planted before 1990.

But since the tax would be applied only after a certain future date, the decision actually helped accelerate deforestation instead of slowing it down since everybody wanted to beat the deadline and shift to dairy farming without incurring any taxes.

How much should such permits cost? What should be the size limits on forest plots that would be exempted from such a tax? Which year should be declared as the cut-off date for the taxes?

These are all questions with different sets of “winners” and “losers.” Unless the political balance between such groups are addressed well, not only social justice but even a country’s economic development might be effected adversely while trying to curb greenhouse gases and global warming.


Ugur Akinci, Ph.D. is a writer with 20 years of experience. He is available for a wide variety of freelance assignments. Visit his web site for more information on his services.

Green Energy Credits Can Help Your Business Profit from Being Green!

Here’s a thought: can we control pollution by building a nation-wide program that can give financial incentives to industries that can better their environmental and operational baselines? A program for carbon emissions trading, trading green energy credits, does just that. The credits, and the trading system that has evolved from them, are a unique way to control air pollution that could benefit your company on the bottom line as well.

The 1990 Clean Air Act amendments defined a new era in means of control of air pollution: provide for an overall limit on emissions, for specific pollutants for specific industries, and let the industries work together to make certain it works, by giving them a way to benefit from doing better than the permit requires. This program was the result of the recognition that we need electricity, that energy generation emits pollutants, and that simply demanding massive reductions in emissions is a certain way to make the cost of electricity very high.

Under the EPA program, a “Cap”, or a maximum permitted amount of emissions, is defined for a group of sources. Permit holders are given allowances to emit a specific quantity of pollutants (e.g., a “ton”). The total number of allowances across a target group defines the level of the cap.

Industries can meet their emissions compliance targets by technology, that is, with air pollution control equipment, or by acquiring allowances from other permit holders, at a price. So, those who do better than their permit requirements have allowances available that can be sold to other operators, which provides all the parties in the group with a market-based means of achieving compliance, since the total amount of allowances represents the maximum allowable total emissions from that industry group.

Those who have money for technology install it and reduce their emissions. They can sell their excess allowances to those who do not have the newer technology, and they will certainly sell them for as much as they can–at more than the cost of the technology-thereby eventually forcing the others to spend the capital budget to be competitive.

Further, EPA regularly removes a number of allowances from the pool to ratchet down the total amount of air pollution. This program has been overwhelmingly successful in controlling Acid Rain.

So interest has been building in finding a similar means to reduce greenhouse gases. EPA doesn’t regulate these yet in this fashion. But a financial market has developed that is willing to assign values to credits, and in Europe an already existing program provided a model.

In the US, the Chicago Climate Exchange allows its members to trade carbon financial instruments, based on caps and offsets agreed to by members and the exchange. Members trade contracts based on 100 metric tons of carbon emissions per contract. The mechanism for defining the cap is a baseline of operations for each business or member. If your operation does not directly emit carbon dioxide, other emissions can be converted to carbon dioxide equivalents, using a Greenhouse Gas Protocol from the World Business Council for Sustainable Development. The membership requires a legally binding commitment to a phased reduction in carbon generation.

Entities who provide and trade these credits include car makers and coal companies, forestry companies, cities, waste companies, universities, and states. The emissions sources and offset projects are found across the hemisphere and include fleet fuels, forest plantings and agricultural methane control schemes–things that benefit our air via reduction of CO2.

So, how do you control air pollution, without limiting the benefits of of the energy we use as a modern civilization? Create a way to make limiting air pollution less costly, and even profitable! If anyone tells you you can’t make money by controlling pollution, tell them there is power in green! it’s green, like money, and trades, like commodities, and traders and industries both benefit!

Rick Demkovich is an environmental consultant with more than 20 years in the field, and is the president of Environmental Development Solutions, Inc.

Find out more about carbon credits:

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Direct Marketer – Get Your Customer Off the Couch and Swipe Their Credit Card

This article will explain the importance of getting your customer to take action with every marketing piece you send out. You must envision your customer as a big blob sitting on the couch. They have no motivation and they come across your marketing material.

What are you going to say to that person to get them to pick up the phone or press the order button? What are you going to have to do to get them off the couch to take massive action and interrupt their television show?

Every piece of marketing material that leaves your office needs to get the customer to take massive action. Whether you want the person to leave their email, turn in a free coupon, make a purchase, call for more information, put a sticker on a box, check a form, or a host of other things, do lot let that marketing piece go out the door without a built in call to action.

You cannot expect people to just buy from you out of the goodness of their hearts. It’s war out there to get people’s attention. If you have received their attention for even a split second and you have not asked them to keep moving, to take some kind of action towards buying from you, then you have wasted your money.

Look at how many television and magazine ads you see today that just show a picture of the product, have the company name, and no contact information or anything close to invoking action. Why should your customer have to jump through hoops to make a purchase? Tell them step by step what to do in the ad. Tell them who to ask for at the store for a discount. Tell them to mention the code “234” for 15% off. Tell them to call in the next 2 days or you will revoke the offer, and mean it! 

Each piece of marketing material that  you produce must fulfill that requirement, action. Without action you won’t get the sale and your sales letter ends up in the trash.

Joshua Black is an on-line infopreneur, author, and martial artist. Mr. Black is the developer of the Ultimate Makiwara Creator, a how-to course that can be viewed at:

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Americans Are More Reasonable Than the Government Gives Them Credit For

Americans have to wonder as I do, why are these representatives in Washington, continuing to insult the American people? We see the town hall meetings all over the news and don’t see violence until the left wing “Manufactured” groups get involved. You have politicians yelling at their own constituents as if the people work for them. News flash! They work for us.

It is a complete hypocrisy for the left wing media as well as the left wing administration to criticize the American people for standing up for what they believe in by exercising their constitutional rights to free speech. The critics continue to bash Americans because of the outrage shown at the town hall meetings by real Americans with real concerns.

Does anyone on the left and some on the right understand that the people have been asking these questions all along with no results? Do they understand that by conducting a meeting, and from the start, shut people down, is only fuel the anger? Why don’t they ask the people who they work for, what the concerns are? Why don’t they know the answers to these questions when they are asked? What exactly is in the bill they feel is in dispute, shouldn’t be in dispute, and why? These are simple questions any informed representative would know, without a single thought as to what the answer is.

Is this too much for an America citizen to expect from the people they put into their jobs? The questions we hear at the town hall meetings are legitimate concerns any reasonable person would ask about. This brings us back to the argument of representatives not reading the bills brought before them. These kinds of actions by our elected officials are the single reason for this outrage. People are so fed up with the Rhetoric going on in Washington, that the trust is gone and people are beginning to read the bills themselves to find out what is really in them. This is a task we used to trust those we elected to do. That is why we elected them in the first place. If we have to read everything that is brought before our delegates, we wouldn’t need them and we could just put every bill on a ballot, give us time to read it and then vote on it ourselves. Now there’s a concept.

Is this where we are as a country? Do we need to go back in time and hear what the Founding Fathers were saying? What the intentions were for our newly formed country? How about just reading, and understanding what our Constitution says and put it back in the public school curriculum as a mandatory credit for graduation. Common sense tells us that this would be the American thing to do. But, we know that Washington DC is no longer run on common sense. It is run on greed and power. If America is to survive for another two hundred and thirty three years, Americans need to continue the peaceful fight that is being displayed and criticized by the left wing media and not fear those that oppose the common sense of the American people.

These are the times to stand strong in your convictions and educate yourself on the issues that we all care so much about. If you disagree with someone, but they are true to their views and have a reasonable argument, then I say talk it out, but stand by your own beliefs based on your own research, and when all is said and done, walk away in agreement to at least, disagree. This is a common sense value people in Washington do not have. Some politicians constant insults to the American people will not be tolerated by reasonable American citizens, and what politicians don’t seem to understand or just plain doesn’t get, is that most of the American population is reasonable and does have common sense.

Michael Pomper: An American Citizen concerned for the very freedoms we have enjoyed for over 233 years and counting…