Tips To Simplify Repairs To Your Credit | - JGVFinance

Debts that you may have forgotten about or been unaware of can seriously hurt your credit. There?s no better time than now to start repairing your credit. The following information is quick, simple and can help repair your credit if followed correctly.

If your credit card is carrying more than half of its credit limit, your first priority should be paying it down until it is below 50%. Credit card balances are among the factors taken into account when determining your credit score. Maintaining balances over 50% will lower your rating. You can attain lower your balances by using balance transfers to move debt from accounts with higher balances to those with lower balances, or by simply paying off some of your higher balances.

Having a good record allow you to qualify for things like a home mortgage. You will get a better credit score by paying your mortgage payment on time. Owning a home gives you secure financial assets. This will make taking out future loans much easier.

Begin paying your bills to repair your credit. More specifically, pay them on time and in full. Your FICO score will begin to increase immediately after you pay the bills that are past due.

Try joining a credit union to begin a credit score. They may offer better rates and more credit due to local conditions as compared to national ones.

If you notice credit reporting errors, always file a dispute. Compose a letter of dispute to every agency that reported errors, and include as much documentation as you can. Use a return receipt when you mail your package so that you can prove that the agency received it.

Too many credit cards is a common cause of financial strain, so close all of your accounts aside from one. Transferring multiple balances to one single card is a way to gain control of your finances. By doing this, you can concentrate on a single credit card payment, as opposed to a lot of smaller ones each month.

If a creditor agrees to give you a payment plan, get that payment plan in writing. You need to have a contract in writing so if the creditor goes belly up or they change your terms, you can catch them on it. Once you make the final payment, get a statement that verifies that the debt has been satisfied and send it to the various credit reporting agencies.

Bankruptcy should only be viewed as a last resort option. Bankruptcy does not drop from your credit report until ten years have passed, so you will deal with the fallout for a significant period of time. You may think that bankruptcy is your only option to rid yourself from debt, however look at your long term financial goals before deciding to file for it. Once bankruptcy has been filed, it could permanently halt your chances of ever obtaining credit again in the future.

To fix damaged credit, pay off your credit card balances as fast as you can. Pay down credit cards that have the highest amount owed, or the highest interest rates. Your debt will not grow as fast as before, if you get rid of high interest rates first, and your creditors will see you are making efforts.

Take the time to carefully go over your monthly credit card statement. Really analyze the purchases on your card to make sure you are not receiving any errant charges for items you never purchased. You are the person responsible for checking that there are no errors.

You should keep a low balance on your credit cards to improve your credit rating. You can raise your score by lowering your balances. The FICO system notates when a balance on a card is at 20,40,60,80, and 100 percent of the total available credit.

An experienced, honest credit restoration agency can be very helpful. Too many of these services will use your desperation to make money. Indeed, some people have fallen prey to credit score repair scams. Use online reviews and other resources to find an honest agency that can help you.

You should have noticed that the preceding tips have a common theme?they are mostly based on common sense. You can easily achieve your goal by using these tips.

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Source: http://www.jgvfinance.com/credit/tips-to-simplify-repairs-to-your-credit/

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Governor Quinn Signs Compassionate Use of Medical Cannabis Act - With Some of Nation?s Strongest Regulations, Law Will Help Ease Pain for People With Chronic Conditions, Cancer Patients and Veterans with Disabilities

Sorry, Readability was unable to parse this page for content.

Source: http://www3.illinois.gov/PressReleases/ShowPressRelease.cfm?SubjectID=1&RecNum=11400

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At least 40 killed in Syrian weapons depot blast

This image posted on the official Facebook page of the Syrian Presidency on Thursday, Aug. 1, 2013 purports to show Syrian President Bashar Assad shaking hands with a solider during Syrian Arab Army day in Darya, Syria. Syrian state-run TV says Assad has visited a tense Damascus suburb to inspect his troops on the occasion of the country's Army Day. The visit on Thursday is Assad's first known public trip outside the capital, his seat of power, since he visited the Baba Amr district in the central city of Homs after troops seized it from rebels in March 2012. Daraya, just south of Damascus, was held by rebels for a long time and it took the army weeks of heavy fighting to regain control earlier this year. (AP Photo/Syrian Presidency via Facebook)

This image posted on the official Facebook page of the Syrian Presidency on Thursday, Aug. 1, 2013 purports to show Syrian President Bashar Assad shaking hands with a solider during Syrian Arab Army day in Darya, Syria. Syrian state-run TV says Assad has visited a tense Damascus suburb to inspect his troops on the occasion of the country's Army Day. The visit on Thursday is Assad's first known public trip outside the capital, his seat of power, since he visited the Baba Amr district in the central city of Homs after troops seized it from rebels in March 2012. Daraya, just south of Damascus, was held by rebels for a long time and it took the army weeks of heavy fighting to regain control earlier this year. (AP Photo/Syrian Presidency via Facebook)

This undated photo posted on the official Instagram account of the Syrian Presidency purports to show Bashar Assad visiting with soldiers in Baba Armr, Homs province, Syria, in 2012. Amid the carnage from the Syrian civil war, President Bashar Assad has embraced every tool at his disposal including social media to project confidence and transmit his message to dedicated fans, most recently on the popular photo-sharing service Instagram posting pictures of himself and his glamorous wife surrounded by idolizing crowds.(AP Photo/Syrian Presidency via Instagram)

This undated photo posted on the official Instagram account of the Syrian Presidency and purports to show Bashar Assad visiting a patient at a military hospital in Damascus, Syria in 2012. Amid the carnage from the Syrian civil war, President Bashar Assad has embraced every tool at his disposal including social media to project confidence and transmit his message to dedicated fans, most recently on the popular photo-sharing service Instagram posting pictures of himself and his glamorous wife surrounded by idolizing crowds.(AP Photo/Syrian Presidency via Instagram)

DAMASCUS, Syria (AP) ? Rocket attacks struck government-held districts in the central Syrian city of Homs on Thursday, setting off successive explosions in a weapons depot that killed at least 40 people and wounded dozens, an opposition group and residents said.

The blasts sent a massive ball of fire into the sky, causing widespread damage and panic among residents, many of whom are supporters of President Bashar Assad.

One resident said the explosions were so strong they cracked the walls of some buildings. Thick smoke and dust could be seen from a distance as explosions shook the ground.

A video posted online by activists showed a huge ball of fire over Homs neighborhoods.

The explosions in Homs reflected the see-saw nature of the conflict. It showed that despite significant advances by Assad's military, rebels could still strike back.

An official at the governor's office in Homs said about 10 rockets slammed into the neighborhood of Zahra and the nearby sports stadium, sparking a large fire and causing several casualties. He said the explosions caused massive destruction and wounded at least 130 people. He didn't offer a number for those killed.

The official spoke on condition of anonymity in line with government regulations. He did not give a casualty figure.

The Britain-based Syrian Observatory for Human Rights, which closely monitors the fighting in Syria, said 40 people were killed and 120 were wounded ? some critically ? when rockets struck an arms depot, igniting the fire.

A resident of Homs corroborated that account, saying he heard blasts for more than an hour after the first explosion. He said they could be heard from the overwhelmingly pro-regime districts of Wadi Dahab and al-Walid, where the regime is known to keep arms depots.

"Rockets were falling on the area ... when the arms depot began to explode but we don't know if the rockets triggered the blasts," he said, speaking on condition of anonymity for fear of retaliation.

He said the explosions were so strong that "they shook parts of the city." They also shattered all windows in the area and cracked walls, he added.

He said he spoke with Syrian Arab Red Crescent paramedics who told him that at least 22 bodies were taken to hospitals.

The explosions in Homs coincided with a rare trip by President Bashar Assad to a former rebel bastion near the capital, Damascus, to mark Army Day.

Assad's visit to Daraya is his first known public trip outside the capital, his seat of power, in more than a year. He visited the battered Baba Amr district in the central city of Homs after troops seized it from rebels in March 2012.

It also is the latest sign of confidence from Assad, whose troops have been on the offensive and scored significant gains against rebels in recent months. Assad pledged victory over troops fighting to topple him.

More than 100,000 people have been killed since the uprising against the Assad family's four-decade rule began in March 2011. The revolt later escalated into a civil war, which has uprooted millions of people from their homes.

___

Mroue reported from Beirut.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2013-08-01-ML-Syria/id-6adfe1adc99543dd8b19038e72f1da85

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Nvidia wants its Shield to combine PC, mobile gaming

nvidia

Yannick LeJacq NBC News

Aug. 2, 2013 at 9:45 PM ET

Nvidia

The Shield uses the Android operating system.

One of the biggest surprises from this year's Consumer Electronics Show in Las Vegas came when Nvidia, a tech company primarily known for its powerhouse graphics processing units and chipsets, revealed?it was making a full-fledged mobile gaming device of its own to stand alongside the many devices that Nvidia's technology already powers.

After a slight name change, a month's delay and drop in price from $349 to $299, the Nvidia Shield hit store shelves this week. But what is Shield, exactly?

"We don?t consider Shield a console," Bryan Del Rizzo, Nvidia senior PR manager of consumer products, explained when I first emailed him inquiring about what I thought was a new mobile gaming console through-and-through. "It?s a mobile Android gaming platform that also is able to stream PC games."

The idea behind Shield was to create something that sits on the border between high-end PC gaming and its mobile counterpart on Android, so the Nvidia Shield is a mish-mash of different elements.

On one hand, it's a fancy Android platform with a gaming controller attached to it. On the other, it's a device that can interact with a PC in a manner similar to how Sony is promising the PlayStation Vita will once the PlayStation 4 comes out ? Shield users, when equipped with the right hardware and in wireless range, can stream games straight from their PC gaming setup to the mobile device.

It's a great idea for anyone who wants to play "Skyrim in bed," as one early reviewer put it. And like Sony's similar promise for cross-play between the PlayStation 4 and PS Vita shows, it's an ambitious idea to bring high-end video game experiences to not-so-high-end devices.

But as with any new emerging technology, there are hiccups along the way. In addition to needing a stable Wi-Fi connection, the streaming part of the Shield's functionality relies on an H.264 encoder that's built into Nvidia's GeForce GTX 650 or higher graphics-card models ? a requirement that could set you back at least another $100 if you don't have one of the company's PC graphics cards, let alone a functioning PC gaming tower in its own right. And the limitations of Wi-Fi range seems to either render this "mobile gaming device's" most promising features inert, or not allow it to be truly "mobile."

Nick Stam, Nvidia's technical marketing director, told NBC News that ideally the device could eventually be set up to stream games from?GRID, its cloud gaming-esque system also unveiled at this year's CES. But for the time being, they're still focused on working out the kinks in the current streaming system.

"Not every game works perfectly," Stam said. "That's why we still have it in beta."

It might seem like a peculiar choice for an established chipmaker to wade into the chaotic and competitive arena of console development. But Nvidia could actually be in a better position than some of its leaner rivals because it doesn't really need to make much money off this device yet.

Piers Harding-Rolls, director of games at market research firm IHS Global Insight, told NBC News that the Shield could basically function as a souped-up business card for Nvidia, helping court fellow gaming companies and mobile gadget makers alike (not to mention average consumers) to its line of graphics cards.

"We expect the platform to be a niche seller at this point," Harding-Rolls wrote in an email to NBC News. "We don't expect it to sell at the level of other handheld consoles, but we don't believe that is necessarily a major issue for Nvidia, as this strategy is as much about provoking interest in Nvidia technology, engaging gamers outside of the PC sector especially in the mobile space and driving brand awareness, as it is generating direct revenue from a handheld console."

But Michael Pachter, a prominent game industry analyst at Wedbush Securities, is less optimistic about the Shield's chances of success.

"I really don?t care about Shield," Pachter wrote when I emailed him asking about the device this week.

"It is not going to sell well at all, reminds me of N-Gage," he added, referring to Nokia's famously hideous flop of an attempt to make a mobile console in 2003.

Yannick LeJacq is a contributing writer for NBC News who has also covered technology and games for Kill Screen, The Wall Street Journal and The Atlantic. You can follow him on Twitter at @YannickLeJacq and reach him by email at: Yannick.LeJacq@nbcuni.com.

Source: http://feeds.nbcnews.com/c/35002/f/663301/s/2f8010c4/sc/28/l/0L0Snbcnews0N0Ctechnology0Cnvidia0Ewants0Eits0Eshield0Ecombine0Epc0Emobile0Egaming0E6C10A835459/story01.htm

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Sun, sand, and summer on the streets of Paris

Our Paris bureau chief takes her family to the city's famous artificial, temporary beach.

By Sara Miller Llana,?Staff writer / July 29, 2013

People enjoy the sun next to Pont Neuf bridge as 'Paris Plage' (Paris Beach) opens along the banks of River Seine in Paris on July 20.

Christian Hartmann/Reuters

Enlarge

?Paris Plage,? the annual transformation of urban concrete into faux beach in Paris, was begun more than a decade ago as an experiment of equalization. The French are famous for taking off the entire month of July or August ? but of course not everyone can afford such summer rituals. For those who cannot, the thinking went, why not bring the beach to them? It?s been such a hit that it?s been copied the world over.

Skip to next paragraph Sara Miller Llana

Europe Bureau Chief

Sara Miller Llana?moved to Paris in April 2013 to become the Monitor's Europe Bureau?Chief. Previously she was the?paper's?Latin America Bureau Chief, based in Mexico City, from 2006 to 2013.

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This year, it might be more popular than ever.

We recently finished a Focus story on global vacation patterns. (The story will go up on the website on Wednesday.) For my part, as Europe correspondent, I have written about how the French, more than others in debt-stricken Europe, are planning on carrying on with their summer respite, with 62 percent saying they plan to go away, compared to an average of 54 percent in the European countries surveyed.

But that number, while higher than the average, still represents an 8-point drop in vacation-goers from the previous year. And I suspect many of them might be heading to the Seine and nearby Parisian canals for at least part of this summer.

I?ve never been to one of these urban beaches, even after one was created in Mexico City where I lived for seven years. Frankly, nothing seemed less appealing to me: hot sun beating on trucked-in sand, in stinky summer streets, with no option for cooling off in the water. But I?ve heard so much about ?Paris Plage,? I wanted to see it for myself, so the Llana family packed up and set off ? preparing to catch a quick glimpse and go.

It turns out we could hardly peel ourselves away.

In deciding where exactly to head, I relied on the reporting of my Monitor predecessor in Paris, Robert Marquand, who visited not the posher, tourist-infested beachfront of the Seine but the Canal de l?Ourcq in La Villete in the 19th arrondissement. He described the gathering as ?a multiethnic romp for kids, and a place where locals do tai chi and play petanque, a kind of horseshoes with heavy balls. In an expensive city, drinks are supermarket prices.? ?

Not interested in seeing or being seen, that seemed the place for us.

It was blisteringly hot but we found two seats under umbrellas, also shielded by palm trees, and plopped down with our two-year-old and her buckets and shovels. As she usually does, our tomboy immediately gravitated to a boy with cars, cranes, and buses.

One challenge I?ve had as a mother in Paris is how hard it is to meet other moms, even at the parks. But the vibe was far friendlier ?on the beach.? Cecelia and her friend Victor immediately hit it off. He shared his fruit snacks; she her raisins. There was a breeze. His grandmother was lovely. We actually did feel like we were on vacation.

?It feels like summer,? my husband said, a lemonade in hand.

There are also boat rides, go-karts, ice-cream stands, and anything else you might find at a beach boardwalk. When it got too hot, we found a sprinkler system, which Cecelia ran back and forth through for a full 45 minutes without stop ? which, as any parent knows, is better than a vacation. (She slept for 3 hours when we got home.)

These beaches are always depicted as a consolation prize for those not fortunate enough to go away. But I left feeling lucky that I live in a city where there is so much offered ? whether one is going away or not. The vibe was certainly not one of runner-up.

Source: http://rss.csmonitor.com/~r/csmonitor/globalnews/~3/wK-NTWzdkTg/Sun-sand-and-summer-on-the-streets-of-Paris

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Latest Android distribution numbers show continued growth for Jelly Bean but Gingerbread is still holding on

It?s that time of the month again!! This is when we find out how badly Android is fragmented. According to Google, Jelly Bean is on about 40.5% devices, up from 37.9% the previous month. If you look at Android 4.0 Ice Cream Sandwich and Jelly Bean combined, the total is at 63.1%, up from 61.3% last month.

I know a lot people seem to get excited how great this is, but seriously folks. Ice Cream Sandwich debuted in October of 2011 and Jelly Bean debuted last June 2012. I?m sorry, this is nothing to get excited about. In fact, Gingerbread, which was announced in November 2010, is still on 33.1% of devices.

The good news is that Android device sales continue to rock & roll while Tim Cook keeps arguing about fragmentation. Translation ? nobody cares.

source: Google

? See more articles by Robert Nazarian

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