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What Credit Reporting Bureaus Or Agencies Actually Do?

People get their credit reports and financial score through the credit bureaus. Equifax, TransUnion, and Experian are three main credit reporting bureaus. These business places allow lenders to provide important financial information to landlords, financial agencies, banks, and charge card companies.

Evaluating Personal Data

Companies store and evaluate the personal data of consumers and assign a score. Three credit bureaus provide a credit score and inform the lenders about new a borrower. Bureaus tell about the good or bad financial standing of consumers and their reclamation process of a loan.

Importance Of Financial Information

This information is very essential for individuals with poor credit or financial history. Individuals with poor credit ratings and poor financial standings will face difficulties in acquiring car loans, renting apartments and mortgages.

Information Provided By Credit Bureaus

Information about the financial strength and credit score is highlighted by three credit bureaus. Many online websites offer free financial reports to consumers.

Consumers are eligible to view financial reports. However, these reports cannot be run by all reporting agencies.

Finding Inaccurate Information In Reports

This behavior is negatively perceived by some lenders and reduces financial scores of consumers. In case of any inaccurate information in running report consumers can contact the three credit bureaus through dispute departments.

Outcome Of False Information

Individuals with the best loan schedules and outstanding payoff habits get a bad credit score due to false or inaccurate information. All credit companies address this issue whenever it occurs. Online credit reports can be corrected if they contain any mistakes or inaccurate information.

Finding Additional Information

Reports of three credit bureaus allow consumers to find out added information to their reports. Consumers can run a report on themselves and know who else has run financial reports since last year.

Settling the Unsatisfactory Elements Of Financial Reports

Consumers can see a copy financial report produced by credit bureaus. They can also bring it to settle the disputed and unsatisfactory elements of financial reports when their loan applications are rejected due to false results of credit reports. Consumers can use their names or run a search for the three bureaus to find out their financial information.

Artifact found in bank’s elevator shaft

TRINIDAD — Many of Trinidad’s historic downtown buildings have been around so long that people tend to pass them by without a thought, never imagining they contain intriguing surprises left from the age when the city was first founded. That’s the case with a flagpole base that was found recently in the bottom of the elevator shaft at First National Bank of Trinidad.

A contractor was recently working on renovations to the elevator when the flagpole base was discovered. At first, it looked like something that might have come from an old ship, but a closer look and some knowledge of the bank building’s history showed that it held up the flagpole on the bank’s exterior, at the corner of Main and Commercial streets.

The flagpole base is now back in the public eye in the lobby of the bank, where it’s on display. Hand-forged and held together with iron rivets, the base weighs 250 pounds and measures 38 inches tall. It supported a pole that was eight inches in diameter and 30 feet tall, from which the flag flew for many years by the twin-arched windows on the fifth floor. A support bracket mounted just below the lofty corner precipice of the building helped stabilize the pole.

The bank opened for business April 16, 1875, and relocated to its present location at 100 E. Main St. in 1892. The renowned architectural firm of Bulger and Rapp designed the five-story sandstone structure. It featured ornate carvings, a brass doorway, marble floors, and the flagpole.

The precipice suffered much wear and tear through Trinidad’s early years, and was removed, along with the flagpole and its base, in 1950.

Strategic Manhole Cover Placement

Back to a lighter topic today, which of course comes back to something to do with driving. I try not to always lean to my driving rants, but because I often write first thing in the morning after having driven into work, that is what is most prevalent on my mind.

Today, manhole covers. I view these as necessary to our modern sewage convenience, yet those city planners and road workers have a way of making them far more involved in my daily drive than need be. We all abhor potholes and the bumpy ride they can give us, but what about those fixtures that were intentionally installed as part of the street? How is it a little extra planning and a little care in the workmanship to make sure these don’t add to the shock treatment our cars get from the daily commute?

Some of you may be raising an eyebrow and wondering what the heck I am talking about. I realize this isn’t a problem in all areas. More rural areas could care less because they likely operate on a septic system and haven’t seen a manhole cover and could care less too. In a major city, those covers may be the least of your concerns as the roads so beat up that running over a cover may be the smoothest part of the block. Where I live, though, the roads are actually in decent enough condition overall that I take note when something is going to cause me to come out of my seat.

My first complaint, where they are placed. Why is it our fabulous city planners can’t put these things either in the middle of the road or at least in the middle of the lane so you can naturally avoid it with your tires? In the middle of the lane, it would exist were (at least most of us) tend to avoid, along with the incoming traffic. In the middle of the lane, those traveling where they should be wouldn’t sail on over without a thought. But no, those things are thrown in like a vehicular slalom course going back and forth between sides. Being in a small car like I am, hitting one of these is not a small thing. Whether raised or beneath the level of the street, I worry I am going to bottom out a strut if I am not paying attention.

And of course, this course doesn’t follow a back and forth pattern either. The planners thought it would be a great game to put them so you get into a groove swaying back and forth, only to break the pattern and put two in a row on the same side, then back to the opposing side. I have found that I unconsciously know my route to work and when I need to cut a corner or take it wide to straddle a cover rather than hit it with a tire.

My other gripe is getting these things somewhat level the road. I am sure it takes a bit longer and perhaps some extra expense, but you’d think they could get these things somewhat level with the road. Slope that asphalt, or as I have seen on some streets, use concrete in a 1-2 foot circle around the thing. It makes for a smoother ride and a happier set of drivers. Much like my rant about after construction poor street patch jobs, when the city tears up the street to do some repairs to the sewage system, I can’t understand why they can’t get the street back to something resembling its previous state. No, the street ends up like a rippling stream of bumpy asphalt, with the cover either inset for a dip or sticking out like a speed bump.

I’ll admit, in the big picture of life this doesn’t seem like much, but it is an annoyance that could be avoided. We can’t do much about their placement any longer, but we can make them a little more integrated to the road. So, city workers on the roads, I’ve seen you out there. The three of your holding up the shovels while the one guy is working put those shovels to work and make those repairs a bit better for the rest of us.

London Mining warns of insufficient cash; shares plummet

London Mining Plc warned it did not have sufficient cash to operate its mines without raising more funds and said it was in detailed talks for a potential strategic investment.

Shares in the company plunged 43 percent to a record low of 14 pence. The stock, which traded above 400 pence per share in 2011, was the biggest percentage loser on the London Stock Exchange at 0730 GMT on Monday.

The iron ore miner said lenders were considering providing more finance but there was no certainty that such an arrangement could be put in place.

The talks with the potential investor for funding mine expansion will involve significant equity dilution, the company said.

The investment is expected to require a number of weeks to implement.

The announcement comes a week after London Mining said it could consider ending an iron ore supply contract with Glencore Plc after a dispute over payment.

“Further pain for London Mining, coming not long after a dispute with Glencore regarding a cash pre-payment for off-take,” analysts at Numis Securities wrote in a note.

Like other small iron ore miners, London Mining is battling record low prices for the steelmaking raw material in the face of stagnant demand from the world’s top consumer, China, and oversupply from bigger companies.

The Anglo-Australian pair of Rio Tinto Plc and BHP Billiton Plc, as well as Brazil’s Vale, have flooded the market with their low-cost iron ore and are virtually snuffing out high-cost producers.

London Mining has so far trimmed its full-year iron ore production forecast, deferred a $175 million extension plan for its Marampa mine in Sierra Leone by two years, and put off $20 million of non-essential capital expenditure because of weak prices. (Reporting by Karen Rebelo in Bangalore; Editing by Sunil Nair and Feroze Jamal)

Friday, December 11, 2009

I would like to tell you about my Grandpa Bud. After a year-long battle with cancer, he passed away a few weeks ago. Though he was sick for a year, and in a lot of pain toward the end, I still can’t believe or accept that he’s gone. He was an incredibly kind, generous, and funny person. He didn’t usually talk a lot, but when he did, it was always something worth hearing.

When my mom married their son, Papa Bill, Grandpa Bud, and Grandma Linda immediately treated me and my brother as if we’d been their grandkids all along. That’s something rare, especially since I was a very sullen fifteen-year-old who had just moved to a new town.

As it usually goes, I’ve learned a lot more about my grandpa now that he’s gone than I knew when he was alive. I didn’t know he was an incredible athlete, or that he’d been a paratrooper with the 101st Airborne Division, or that he built the business my parents run today out of nothing.

Affordable Cosmetic Dentistry Tecate

In these days, more than ever, people look for good service and also affordable. Cosmetic dentistry is performed by a cosmetic dentist, that modifies the appearance of our mouth, it also prevents and treats functional or structural oral disease. With this treatments patience wish in terms of his teeth can be made a reality

At the beginning of de the 90S with the use of implants and veneers, the esthetic dentistry began. In 1997 the “Erbium Yag Laser” was approved by the FDA, this was the first Laser ever used in the treatment of tooth decay.

The cosmetic dentists are regulated by the American Academy of Cosmetic Dentistry (AACD), this includes over 7600 members from 60 countries, and with this organization the new techniques are rapidly made available to all state members and applied, you can find a dentist using the latest technics were you need it, in the United States, in Mexico or in the United Kingdom.

There are new cosmetic procedures for your dental care, we have new products that make cosmetic dentistry possible to more people because of our cheap prices and you also can make a financing plan and get your teeth repaired.

The power of the cosmetic dentistry is unbelievable, because of all the advances, the dentist can align your teeth, get them whitened, replace them, and after this improvements, you can smile and not be afraid to do so.

Let’s see some of the most important terms and their meaning:

Braces, they align teeth, they are used more in kids, but adults can also utilize them. Porcelain veneers are shells that cover your teeth, they are mostly used when your teeth are stained, separated or worn. Talking about Tooth whitening, this treatment is used more and more as the time goes on, the term means whitens your teeth, it is an affordable and easy way to restore the color of your teeth. The Bonding is part of the basic dental care and improves the look of teeth chipped, cracked or stained.

Here at denticentro, we offer a wide variety of services and procedures, even you can see us as an emergency dentist if you lost teeth suddenly because of an accident, a fall, or a blow.

Now you are more aware and informed about the different terms, you can make a reservation for a free consultation to see the kind of affordable cosmetic dentistry we have to offer.

Why Quick Fixes Keep You From Effective Weight Loss

Let’s face it – we value instant gratification. Worship might be a better term. From our food to our internet access to how quickly we get in and out of a gas station, we demand things be done quickly and efficiently. It’s easy to forget that certain things cannot be done with speed; that “slow and steady” are more the rule than the exception. So it is with effective weight loss and a healthy lifestyle in general.

There is no true quick weight loss, that is unless you’re willing to consider dangerous or ineffective pills and procedures. And even if these quick fixes work, their fat reduction benefits are only temporary. Research proves this time and again. Therefore, for weight loss to be truly effective it must be meaningful and permanent.

You can’t have it all
Permanent weight loss requires that a person commits to a lifetime of healthy foods and physical activity, not just an “I want it now” remedy. Look at quick fixes like gastric bypass or any of the other weight loss surgeries. Researchers have found that those who undergo surgery tend to gain back their weight within a couple of years. Why? It’s simple. Because they keep their overweight diet and lifestyle, while still expecting to see a beautiful, thin body in the mirror.

Starvation diets and diet pills are unfortunately more quick-fix staples of weight loss, even though these things never work in the long-term. Consider this for one moment. When you look at healthy, active people, do they honestly look like they’re starving themselves? Do they look as unhappy as you have likely felt if you have ever tried radically reducing the calories in your diet? Of course not. Or do you believe they must take diet aids like acai berry pills to stay skinny? Absolutely not.

So why is it that dieters believe they must rely on these quick fixes to be thin, but believe thin people don’t have to do the same to stay thin? Here’s the simple secret: thin people maintain a healthy weight because they eat quality (real) foods, stay active, and eat sweets and other junk food only on a limited basis and in moderation. In short, thin people do the things day in and day out that create a healthy body.

The band-aids don’t fix the problem
When you believe that quick fixes are a requirement for effective weight loss and a healthy weight – even though you believe they aren’t necessary for thin people – you legitimize self-imposed limitations. The great success guru Napoleon Hill said it best when he stated, “we foolishly believe that our own limitations are the proper measure of limitations.”

Keep in mind that impatiently chasing quick fixes merely reinforces the desire to maintain an overweight lifestyle. That’s because a person never addresses the bad habits that got them where they are today and simply applies a quick fix band-aid in hopes it permanently solves their problem. Can you see how that doesn’t make any sense?

If you want a healthy weight, then you must change your lifestyle to change the problem. Simply put – to be thin, you’ve got to live like a thin person. And there’s no room for impatience here. It took time to gain the weight and it’ll take time to lose it. But your weight will come off as soon as you remove your desire for an overweight lifestyle. There are no magic weight loss pills. It’s entirely up to you to create a better you. You either want to be healthy, and are willing to do something meaningful about it, or you don’t. No radical diets, pills or procedures will give you effective weight loss until YOU decide to create a different lifestyle and outcome. Make that step today and change your life for the better!

Snooze – A Creation of the Devil

I love my sleep. I used to survive on very little of it, but I can tell that I am getting prematurely old because I need more sleep that I used to. What makes it worse is that once you get “off” in your sleeping routine, it is hard to get back on. Though I battle with insomnia at times, I just have a hard time getting up in the morning when the bed feels oh so good.

I give this topic more of a positive spin over at WGS today, telling of an old technique I learned once about jumping out of bed that I am trying to implement again. Here, I am just going to complain a little!

Yes, I am going to complain about that evil Snooze Button that every alarm clock includes. I would venture to say that no other invention has done more to ruin the productivity and on time factor of humankind than the ability to put off getting out of bed with just a simple push of a button. Generally, alarms allow you 10 minutes of continued bliss with by just reaching out and slapping that big button of delay. Some are shorter, but 10 minutes is the norm.

What is with that design too? You know we all use the snooze way too much when alarm clocks generally are designed now such that the snooze button is by far the largest feature on the entire device. Most often this button is placed right at the top so you can simply roll over, and in your blind stupor slap around until you hit the clock and stop that incessant sound that is attempting to pull you out of la la land. No doubt you have woken up on many a day to find it is much later than you thought because you hit that snooze two or three times without even consciously being aware of what you were doing.

Alarm clocks need to include the ability to disable that snooze button, forcing us to actually wake up enough to realize what we are doing. Perhaps they could require us to tap it with a pattern of some kind to require a level of consciousness. “Shave and a haircut” would do. I have taken to actually putting my clock across the room so I have to get out of bed to turn it off; yet, even then I crawl back into bed and try to quickly get back into REM. With a one-year-old child in the house, I do have some real motivation to get that alarm clock turned off quickly. If I let it go, she is woken up too and the entire morning takes on additional complexity.
We all know that extra 10 minutes (per snooze) is most definitely not quality sleep time. Once we are broken out of the deep sleep cycle, we are simply trying to prolong the inevitable start of the new day. You are not going to warm up to the day any better by slowly waking up. Face reality and set the alarm for when you really need to get up and do it. You will get more quality sleep out of it than the perpetual snooze cycle.

Yet, like any other addiction, trying to break from this snooze crack is harder than it sounds. I am a deep sleeper that can do amazing things without ever breaking into consciousness. As a kid, I could sleepwalk with the best of them. I can carry on entire conversations in my sleep. It scares me to think of what secrets my wife could pull out of me if she were to abuse this ability. Good thing I don’t keep many secrets! Turning off the alarm and tricking myself into continuing to slumber is something my subconscious has done on many an occasion. Thus the across the room technique mentioned before. I even have to vary the location of the alarm on days that I know I have to get up for a specific appointment and can’t get away with a little tardiness.

So, as the title suggestions, I submit that the snooze button is a creation of the devil. It is not inspired as an invention to better humankind, rather bring us down into lazy habits and poor starts to our day. One more example of how we can procrastinate even the smallest of things, just getting out of bed. So it is time to kick that habit. Out with the snooze and in with maximizing my actual sleep time. How about you?

Are Google’s (and others) Street View Photographs Privacy Violations?

Have you checked out the new Street View feature from Google? If not, it is a fun view of a couple of major cities as taken from a roving van topped with some special cameras. The low-resolution photos are all linked together for a virtual tour along city streets. Google is not the first to feature this with their map service, but hey, it’s Google! We all stand up and take notice, at least in the geek world.

Of course, any time a new service is launched that offers a unique view of our world, the right to privacy concerns are raised. In this case, I am not sure I agree with it though. The New York Times has an article highlighting a specific instance of a lady voicing her privacy concerns that is just one small point in the growing debate.
Google Earth was one of their first to bring up such concerns, providing a very public view of satellite imagery. Of course, this is done in a resolution that is less than personally identifiable. Later lawsuits requiring search engines to reveal search habits and history of individuals were an even greater concern. What they know about us online is scary. Now, with street-level photography, if you happen to be doing something less than flattering at the moment such a camera-equipped vehicle drives by, your actions might be immortalized for some time to come.

The concern here is your right to privacy vs the First Amendment right to document public spaces. I really am not all that torn on this issue as I feel public spaces are just that, public. Of course, I live in a fairly rural area, so the likelihood of me being documented is next to nothing. Still, I feel like if you are doing something in public view, you better be sure it is something you don’t mind the world seeing. What is the difference between what you are fairly consciously allowing your neighbors to see vs the whole world seeing that same thing? If you want something private, close the curtains or be sure you are doing that where no one can see.

This is not to say I am in favor of virtual peeping, but in our world of increasing digital exposure, we need to face reality. If you are out in public, there is a good chance your presence can be documented in some fashion. How often have you noticed that as you are casually at the park or anywhere, you happen to get caught in the background of someone taking a photo? Have you ever taken time to look in the background of your own photos or video to see what you didn’t notice you were capturing? It happens innocently all the time.

I am increasingly intrigued by new technology that links together all the digital media being published out there. I am extremely confident that YouTube and Flickr are just the tip of the iceberg as to what the near future holds in social networking media. As more of this media is publicly available, more technology will be developed to create better access to it, stringing together the collective effort into massive mindshare. I find it exciting rather than intimidating.

In the case of the “cat lady” mentioned in the NY Times article above, I think her complaint is petty but still representative of the concerning being voiced. Her blurry view of a cat in the window is the least of my concerns, but apparently high on hers. At least with Google, they offer the ability to request the removal of a photo, though in her case I am not sure if they will honor it.
So, word to the wise, realize public these days really means wide open to the view of the entire world. Be aware and mindful of it, and you have nothing to fear!

Seven steps to help a child’s back and neck pain in schools

I’ve talked before about the problems that carrying heavy bags are causing children. And after I wrote the blog post, I spent the weekend trying to persuade my son to take a day’s worth of kit to school, rather than a week’s. The problem is that the sanctions that come with forgetting sports kit or books are worse, in a child’s mind than the possibility, long hence, of back pain.

But there are things that parents and teachers could do, which help take those damaging decisions out of the children’s’ hands:

1) Get them to use a backpack, not a sports bar – and use both shoulder straps. Using both shoulder straps might be less cool – might make them look like a language tourist – but it keeps the back straighter and so stronger.

2) See if the school can use ergonomic chairs. Not the cheap option obviously, and may need to be restricted to ICT or computer studies classes. But it will help.

3) Don’t let children sit on the floor, or use bean bags, to work or play on a laptop or games console. Make sure they use a chair. They won’t thank you for it at the time, but maybe they will later…

4) Make sure that when children are using a PC, they mimic the workplace and create for themselves a decent workstation. Good desk, good chair (ideally a proper office chair), and a computer screen set at eye level.

5) Consider only letting them use a desktop PC, in fact. A laptop tends to encourage poor posture – but if a laptop is the only real option, make sure they site correctly. Straight back and all that …

6) Don’t allow them to slob about in front of the TV, especially after a long session in front of a PC. Get them outside, get them doing sport, get them active.

7) If they develop back or neck pain – get them to a doctor, an osteopath or a chiropractor. These are tender years in a child’s physical development. Don’t let things drift.

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