Credit History Repair – What If It’s Beyond Repair?

Is it too late to still do credit history repair?

While everyone is unique, the pattern usually goes this way: people get credit cards before they’ve learned how to manage them. They overspend on them. They get more cards. They max them out and borrow from one to pay another. Finally, they can even make all the minimum payments and they start falling behind.

Maybe you’ve been through that already. The good news is you still have options. The main credit history repair options are bankruptcy, debt settlement, debt consolidation, credit counseling or learning to manage your debt better.

People often worry how making any changes will affect their credit. The more important issue is the mountain of debt that’s eating your financial future. With too much debt, you won’t be able to get any more credit anyway. Plus it’s disrupting your cash flow.

Bankruptcy is a best for people who don’t have many assets. That way when you have to liquidate your assets, there won’t be much there and most of it will be exempt anyway. That option hurts your credit the most but if you’re drowning in debt, that might be your best option. Consult with an attorney for that.

Debt settlement is a good option for most people. Yes, it will hurt your credit in the short run because you have to go delinquent before creditors will work with you. You save up the money you’d be paying in minimum payments and then offer your creditors around 40% in a lump settlement. Make sure all your legal bases are covered such as getting it in writing and avoid having your wages garnished.

To do debt consolidation you get one big loan and to pay off your other loans. It’s typically at a lower interest rate and often a secured loan such as a home equity loan. The trap many people fall in to is that they spend on the accounts they just paid off and end up in twice as much debt as they started with. If your house is collateral, you could end up losing it.

I would never recommend credit counseling. They are paid by the creditors they negotiate with. All they do for the monthly fee they take from you is negotiate your interest rates down. You can do that yourself. They’ll also put a 3rd party intervention mark on your credit which will make it difficult for you to get any more credit in the future. So while you might have wanted to do this option to preserve your credit, it will work against you in the end.

A final option is to manage your spending better. Pay down your highest interest accounts first and negotiate for better rates. If you need to transfer balances to lower rate credit cards, do it. Make one account give you better terms than the other. Once you pay off one, use that payment to accelerate payments on the next until you’re happy with your level of debt.

While your current situation may look dismal, there are always options. Figure out what you really want to accomplish and get started.

The Complete History of York: Prehistoric Times

The city of York is treasured by Yorkshire, and this is not a surprise when you consider the amount of history that the city has withheld. This goes beyond the Victorians, the Tudors, the Normans, Vikings and even the Romans. Follow our journey back through the history of York from start to finish.

Historians have found that people have lived in the York area since the Neolithic period (c.4500 – 2000 BC). This period is also known as the New Stone Age, which refers to a period of development in human technology. Instead of using flaked stones tools that were in use during the Paleolithic era, polished or ground stone tools were developed. This aided their strategies for farming which they were very skilled at.

However, much of York was most probably unfit for the settlement of the Neolithic people during this time period. This is because the heavy clay soil was poorly drained making it hard to use the land for farming. Conversely, some of the city (including what is now the main campus of York University) sat on something called ‘moraine’. This is a ridge of high ground left after the last Ice Age by retreating glaciers which provided better grounds for the Neolithic’s to farm on as the soil was sandy and well-drained. The moraine land also formed a possible route which joined the infamous Yorkshire Dales to the west and the Yorkshire Wolds to the east.

Quite remarkably, over seventy flint tools and weapons from the Neolithic and Bronze Age (c.2000 – 750 BC) was found in 1868 in York. These discoveries we named ‘York Hoard’, and mainly consisted of axes and scrapers. Those who made flint tools had to be talented as it was a skill full process; therefore they were considered as pieces of treasure and their owners would have most probably hid them in order to keep them safe.

Similarly various artifacts have been found from the Bronze Age. This included distinctive pottery vessels which would have been used for cremation burials, and a number of bronze implements and beakers.

Although not much is known about York in the Iron Age (c. 750 BC – AD 71), it has been noted that when the Romans arrived they found a cultivated land which was not like any nearby rural areas. The Romans called York ‘Eburacum’ which may have come from the native name which means the place of yew trees, giving an indication of what the city may have looked like on their arrival.

Tight Aggressive Hold Em Poker – More Profits Guaranteed

Playing tight aggressive Hold Em poker will enable you to win more profits, more easily and more quickly. Read this article to learn how now.Tight aggressive Hold Em Poker is one of the easiest and lowest risk strategies to use to win money playing poker. No matter if it’s online or in brick and mortar establishments, you can use a TAG strategy to win more.Utilizing a TAG strategy for success will allow your to make more money each time your play poker because of the very essence of the strategy.Because you are playing tight, so you are only playing the very best hole cards, you instantly increase your chances of success. You are more likely to win with your pure cards, at the showdown or otherwise, and have good strength pre-flop, post-flop and in the later stages of the game.On top of that, the aggressive part of your TAG strategy further increases your profitability. Aggression has a two fold effect on your success.Firstly, it increases the amount of pots that you win. That is because when you bet and reraise you increase your chances of winning the pot. This is for the reason that you have more than one way of winning; your opponents might just fold to your hand.Secondly, when you do win pots you will win a lot more. That’s because when you bet out and your opponents call you are extracting more chips from them. Over time this really adds up and is why TAG is such a profitable strategy to use.Now, before you continue on to learn more about tight aggressive Hold Em poker, have a think about if you are interested in a low risk, how profit, easy to implement strategy. If you are, and you like the benefits of what a TAG strategy has to offer than take action and research more about it so you can master it and make money with it.

Poker – Perhaps Not the Worst Risk in Life

When it comes to poker, we have long lost the middle ground. The chances are one is either a star-struck poker-crazed gaming nut or a vehemently outspoken anti-poker puritan. My wife is the latter type. I’m trying to make the transition from the former category to a more balanced middle-of-the-road position.Poker involves risk. Definitely. But which activity doesn’t?People lose money playing poker. But is that the only activity in which the law-abiding taxpayers are parted from their hard earned cash as a result of their very own voluntary decisions?The year was 1999. The month, November. The stock market was so red hot it seemed like nobody could do anything wrong. You just closed your eyes, picked a stock, and damn if the darn thing didn’t go up the very next day!We sat down one night with my wife and discussed whether it made sense to keep our money in a savings account that earned three and a half percent a year when we knew a number of people who doubled up their money in stocks the year before. She grudgingly admitted that freezing our money in a savings account was not really the most rational thing to do.So she allowed me to pull out $15,000 from our savings and various credit cards and open an account with one of the better known on-line brokerage houses.December 1999 — I dived into the Wall Street with the enthusiasm of a kid in a toy store.The first month I not only did not lose any money but actually made $500. I felt like I knew what I was doing.January 2000 was even better – I’ve made 15% on our initial $15,000.February 2000 was a monster – an eye-popping 20% return in that single month!At that rate, our initial $15,000 would swell up to a cool million bucks within only eighteen months.Then March 2000 arrived and … things started to change, to put it mildly.Gone was the former elation of trades magically hitting the jack pot each and every time.All of a sudden, all my positions were losing money. I had to admit to myself that perhaps we were all rushing headlong into the much-talked about “Bubble Burst.”Midway through April, the bottom fell out. It was a rout.The long-expected market collapse caught all investors in the midst of their American Dreams and we were no exception. I cashed out immediately, lucky enough to lose only two thousand dollars at the end.Despite all that, nobody has offered to outlaw the stock market and folks are still plunking down their good cash on companies that they know zilch about. Even when we think we know what we are doing, the recent Enron and WorldCom corporate scandals prove how little control we actually do have on the final outcome.To this day I’m wondering what would have happened if I started playing poker back in November 1999 with my initial $15,000 instead of playing the Wall Street.At least in poker, what you see is what you get. When you lose, you lose, right there on the spot. But when you win, it is not like you think you win. You actually do win.And there has never been a case when someone’s poker winnings became worthless years later because the organization that hosted the poker event was indicted in a corporate scandal.I remember what a shoeshine guy at Grand Central once told me: “A lucky day today sir, yes indeed it is. My lucky day for sure,” he said with an obvious glee in the way he was applying the shoewax on my wingtips. When I probed a little he admitted I was his twelfth customer that day. Twelfth.I figured, at a maximum of ten bucks a pair, the guy had made the princely sum of one hundred and twenty dollars and that was the best he was going to see for a long long time. That was his lucky day.I wonder what luck really means if the returns on our luckiest days are limited by the very restrictions built into the nature of what we are doing.In poker you need to know what you are doing and on top of it, must get lucky as well. But if my shoe shine guy had the same luck in a poker tournament that he had on that particular day in New York City he might have made a million and two hundred instead of just one hundred and twenty.Preparing the mind for the challenges ahead requires calculated and educated risks whether you decide to play the stocks, shine shoes at the Grand Central or play poker at championship level. Luck helps not only the prepared minds but also those who take risks.You need luck to win no matter what you do in life. But how big you can win if and when you do get lucky – that’s where the rub is. That’s why I still feel that for me playing low-limit weekend poker makes as much economic sense as playing the stocks.I neither fancy becoming a full-time professional poker player nor assail against a good game with the fervor of a crusader. Loving every minute of a hobby in which I take calculated and limited risks is my middle ground and I’m staying there.—————————————————–

Poker Calculator Types and the Security of Your Poker Bankroll

If you play online poker, then I am sure you are familiar with at least one of the online poker calculators. If you don’t already own one, then you probably are thinking of owning one. But if a poker calculator investment is in your near future you should know the basic types and how they relate to the security of your poker account and bankroll.Poker Calculator TypesMathematical – Generally speaking, all poker calculators have the fundamental ability to calculate the bets and pot size while measuring that against your position, hole card strength and drawing potential. These basic reading functions, extracted right from your poker window automatically, are essentially why poker calculators exist in the first place. They quickly decipher the exact math and probabilities and offer a raise, call, check or fold recommendation.Empirical – In addition to the above features, these Poker Calculators monitor and record the behavior of your opponents. Based on this added information, such a Poker Calculator can help support or contradict your impression of a certain opponent’s grid factor, but more likely, set the framework for an hypothesis all on its’ own.Operative – This type of poker calculator will have a combination of at least some of the features in each of the Mathematical and Empirical, but is distinct in how it obtains that information. You could call this the “black hat” of Poker Calculators, because it extracts information on your future opponents, by monitoring your poker website’s table action, and thus building a player database whether you are at a table or not. Then you can retrieve information from that database to view your opponents’ hand selection, playing styles, raising habits, bankroll fluctuations, experience, and a host of other factors.In general, the Mathematical and Empirical types of poker calculators are either allowed or supported to some degree by your poker website, of course depending on compatibility. If you are pondering the purchase of an Operative Poker Calculator however, you need to know there is risk involved. On the sunny side, your poker website may never know you are using one and you will not be penalized, while enjoying a distinct, statistical advantage over your opponents. That however, is optimistic. The reality is that Mr. Big Poker Site is constantly on the lookout for such programs and enjoys the legal power to remove you from a table(s), confiscate your bankroll, and ban you from their site permanently. This however, is pessimistic. Let it be known though, that Mr. Big Poker Site has a huge investigation budget and will continue to throw money at this issue with the intent to seek and destroy you and those “Black Hat” programmers. They need to, because it’s their reputation at stake for fairness and image. Because simply put, a Big Poker Site cannot attract new players amidst cheating scandals.