Friday, December 31, 2021

Plexiglass Sneeze Guard Shield for Counter

 1. KEEP YOUR EMPLOYEES, WORKERS AND CUSTOMERS SAFER AND HAPPIER. The extra talll and large plexiglass sneeze guard for counter brings a sense of safety to employees, workers and staff at their workplace. The plastic sneeze guard portable is a great way to protect both clients and cashiers and tellers while remaining open to the public. This plexi glass sneeze guard Shield for Counter is a MUST-HAVE to help staying safe from dangers caused by coughing, sneezing or even droplets.
2. EVERYONE WILL BE PROTECTED AND SECURE DURING TRANSACTIONS. Keep your business safe and open with our portable sneeze guard acrylic. Their clear material can easily be wiped down, and offers an effective barrier against transmission. The acrylic sneeze guard for desk works as a cashier sneeze guard is a must have shields for safety and protection for sales and service businesses. Using this protective sneeze guard will minimize the health risks many essential employees are faced with today!
3. PEEL OFF PROTECTIVE WHITE PLASTIC FILM BEFORE ASSEMBLY - The sneeze guards has a white plastic film on it to prevent scratching during transit. Please peel off and remove the white protective plastic film before assembly to see the transparent acrylic sreen. Can be assembled in minutes withouot any tools. These clear plexiglass barriers are perfect for manicure tables at nail salons or retail countertops in shops, pharmacies, grocery stores or banks.
4. ASSEMBLES IN SECONDS WITHOUT ANY TOOLS - Our FREESTANDING cashier protection sneeze guard is quick and easy to assemble by one person in seconds without any tools. It can be easily disassembled and moved easily wherever a plexiglass window is needed. Perfect for use as a countertop sneeze guard for restaurant cashiers, workstation screen, and portable sneeze guards for countertops. Remove protective white plastic film before assemly to see clear plexiglass plastic under it.


Vitamin C and its Role in Staying Healthy

Which is the best repair nutrient for your body? A nutrient I wouldn't want to live without?

It's Vitamin C.

The more health problems, the more infection, the more challenges we have, the more Vitamin C we need.

And as we know vitamin c boosts our immune system and... It's one of the great - probably the best - natural anti viral.

It can protect us and help us recover from cold, flu, influenza and other illnesses...

If we're serious about staying healthy, we need to consider the crucial role Vitamin C plays in maintaining our health.



Sound Healing Music: Canada Based Throat Singer Featured In Dr Joe Dispenza’s Meditation Programs


Dr. Joe Dispenza has worked with some of the top sound healing and meditation music artists in the world, including Grammy award winners Barry Goldstein and Jonathan Goldman.



A global leader in self improvement and healing through meditation, Dispenza has a new “secret weapon†to enhance his guided meditations: Canada based “Cosmic Throat Singer†Matthew Kocel.



https://OmShaman.com



“Matthew Kocel’s music is so primal, so rich and beautifully soulful…†Dispenza says, “It touches us on a deep level that opens our hearts.â€



Participants at Dispenza’s meditation retreats have been feasting on Matthew Kocel’s music since 2016. Recently Dispenza signed a licensing agreement to deploy Kocel’s songs “Grace†and “Labyrinth†for his recorded meditation programs.



Kocel is currently composing new works to enhance Dispenza’s healing meditations.



As yet undiscovered by music industry insiders and mainstream media, Matthew Kocel has been serenading audiences around the world over the last two decades.



The relative anonymity hasn’t slowed him down.



Performing in a diverse selection of venues from domes, caves and yurts to planetariums, yoga studios, churches and ancient Inca temples, Kocel is clearly a man on a mission.



In 2019 alone his musical travels carried him from Western Canada and the Pacific Northwest to Colorado, Texas, New York, Belgium and France.



He seems to relish the role of renegade musician working outside of the mainstream.



“This music is so hard to categorize†Kocel says, “I can understand why it hasn’t been promoted by the music industry or press...But the effect it has on anyone sincerely willing to give it a deep listen is consistent and undeniable.â€



Audience testimonials of extra-ordinary experiences while listening to his music have been well documented online.



If you’re curious, Matthew Kocel is offering “3 Days of Healing Music†for free at https://OmShaman.com.


The title track to his third album Song of the Ancients goes live on Spotify, Apple and all streaming services April 16, 2021. Access to this entire groundbreaking album is exclusively available to people in his email or social media community.

sound healing music

What Is The Best Credit Score To Get A Home Loan

What credit score do you need to get a mortgage?
Hello, in this video you will learn what is the best credit score to get a home loan.
OK let's get started.
Strong credit scores are essential to qualify for the best mortgage rates. To qualify for the best Canadian mortgage rates in 2021, you must have a credit score of 680 and above. While some mortgage providers will allow you to qualify with credit scores of 600-680, others may charge higher interest rates.

Do you want to check your credit score before you apply for a mortgage?
Apply for mortgages with confidence and get your free credit score. Borrowell allows you to quickly compare the mortgage options that are most likely to be available to you.

How can I get the best mortgage rates with my credit score?
Here's a quick overview of how lenders and mortgage brokers view your credit score. Higher credit scores can lead to better rates.

741 or more: WOW! Your credit score is outstanding! These are the best mortgage rates.
713 to 740: Your credit score is good. A good rate of interest should be offered on your mortgage. You also have many options.
Lenders consider this a fair credit score. Once you reach 660, your credit score will be considered average.
Banks and lenders consider this a low credit score of 575 to 659. A lower credit score than 640 might make it difficult to get a conventional mortgage from a bank, online lender, or other financial institution. Before applying for a mortgage, you should work on improving your credit score

300 to 574: Your credit score needs improvement but it's okay. You'd be considered a high-risk borrower. You would pay extremely high-interest rates even if your mortgage application is approved. To get better mortgage rates, you should work to improve your credit score.
You'll likely notice small changes in your interest rate for every 20 points that your credit score falls. Lenders adjust their interest rates when your credit score changes by 20 points.

What are the best ways to get a mortgage for someone with bad credit?
Bad credit can make it difficult to obtain a mortgage. Although you may have other options, the interest rates that you will be eligible for are not cheap. There are steps you can take to obtain a mortgage without bad credit if you don't want to delay buying a home. If you are willing to wait, it is worth taking the time to improve your credit and get better mortgage options. These are some ways that you can get a mortgage even if your credit is not perfect.

A larger down payment is possible
There are ways that you can show lenders your financial stability if your credit score is not great. A large down payment of 20% or more gives you greater leverage with lenders. This shows you have a substantial income and your ability to budget. This will help you to reduce your monthly mortgage payments and make them easier in the long term. A larger down payment can make you more attractive to mortgage lenders.

You can also use an alternative mortgage lender
You will not be approved by the major banks if your credit score is below 600. It is more likely that you will need to find another lender
Alternative lenders can be more flexible when it comes to credit. You will need to pay a larger down payment, usually between 20% and 35%. Alternative mortgage lenders tend to have higher interest rates.

Alternate lenders might charge fees that are higher than traditional lenders. An alternative lender may charge a loan processing fee equal to 1% of the mortgage value. A broker who specializes in mortgage brokers might charge you a 1% finder's fee if you have found an alternative lender. The additional fees of 2% can add up to a significant cost. For example, a $300,000.00 mortgage would cost $6000.

A co-signer is needed or a joint mortgage
A co-signer is someone who can help you get a mortgage without having to increase your down payment or work with other lenders. If you are unable to pay your mortgage, a co-signer will make it happen. Co-signing with a co-signer can make it easier to get a traditional mortgage lender's loan because the income and credit of the cosigner are used for qualification purposes. You should choose someone with good credit and good income who is willing to cosign for you.
Credit score improvement
You should work to improve your credit score if you don't want to rush to buy a home. You can achieve this by paying your bills in time, not using more than 30% of your credit limit, not closing existing credit accounts, and applying for credit only when you need it. Your credit score will improve if you follow these steps consistently. Here are some steps to help you build a credit history if you have zero credit.

Credit scores and mortgage default insurance
Credit scores also impact your ability to obtain mortgage default insurance. This is required if you have a down payment of less than 20%. Mortgage default insurance protects your lender.
Private insurers do not require strict credit scores for mortgages. Although these mortgages might have higher interest rates than conventional ones, you may still be eligible if your credit score is below 680 or 600.

How can I improve my credit score?
This is a detailed list of steps that you can take to improve credit and get better mortgage rates in the future.

1. Monitor your credit score regularly and check your credit score
Your financial health can be improved by checking your credit score. Borrowell can be used to free check your credit score. A good credit score can help you get better products and lower interest rates. Data shows that improving your credit score can actually be beneficial

2. Be aware of your credit utilization
You are more important than you think about how much credit you have. We often accumulate credit card balances and don't realize the potential damage it can cause. Credit utilization refers to the ratio between your credit card balance and your credit limit, as shown on your credit report. Your credit limit should not exceed 30%. If you have a total credit limit of $10,000, your total balance should not exceed $3,000.

3. You must pay your bills on time
Your credit score is 35% dependent on your ability to pay your bills on time. This is the biggest factor that affects your credit score. It's crucial that you pay your bills on time. Your credit score will be negatively affected if you miss or pay late. Even one missed payment can reduce your score by as much as 150 points.
To ensure you don't miss any bill payments, bill tracking software is available for free. Pre-authorized payments can be set up for bills that are frequently reported to credit bureaus. These bills can include student loans, mortgages, car loans, and credit cards, as well as utilities, premiums, insurance, and cell phone bills.

What else does a mortgage lender look at, besides credit scores?
While credit score is the most important factor lenders consider when approving you for a mortgage loan, it's not the only one. When approving your mortgage application, other factors are taken into consideration by mortgage lenders:
Your income
Your employment (salaried or hourly wage, self-employed or salaried)
Your payment history
Your financial history
What amount do you wish to borrow?
The property itself
The mortgage lenders won't allow you to have any consumer proposals or bankruptcies in the past 24 months. They don't want 60-day late payments on your credit report in the past 24 months.
Mortgage lenders look at two key areas: your monthly living expenses for the new house and your existing debt.
Other than mortgage payments, your monthly living expenses include:
Property taxes
Heating
Condo fees

These are your current sources of debt:
Payments by credit card
Car loan payments
Student loans payments
Credit cards with open lines
The mortgage stress test will also be required. If you are offered a higher rate mortgage, the mortgage stress test will prove to the lender that your ability to afford higher mortgage payments.
When deciding whether or not to approve your mortgage application, a mortgage lender will consider all these factors. Although you don't need to be perfect, it's possible to make the mortgage approval process much easier if your strengths are in any or all of these areas.
Before you start looking at properties, it's a smart idea to have your mortgage broker pre-approve you. The mortgage broker can help you get pre-approved if you aren't eligible for the price you desire. This could include paying off debts or adding income through a cosigner.

Find the right mortgage for you
You should now know how to improve your credit score to get the best rates on mortgages. How do you choose the right mortgage?
There are many options when it comes to getting a mortgage. You can visit your bank to choose from the available options. A mortgage broker is also an option. A mortgage broker, a licensed professional who compares mortgage rates from different lenders for you, is available to help you find the best rate.

Because they have access to multiple lenders, including major banks, credit unions, and alternative lenders, a mortgage broker can help you save time and effort. They can search for the best mortgage rates and compare lenders without being bound to choose from one lender.

Borrowell allows you to compare and find the best mortgage rates for you based on your credit score. You can instantly access your credit report to see your chances of getting approved by lenders, regardless of whether you are a first-time buyer or looking for a refinance. The Mortgage Coach tool will analyze your credit and ask you a few questions to help you compare rates from more than 50 lenders. Borrowell can help you compare mortgage rates, and assess your chances of approval without any credit checks.

The bottom line
A credit score of 680 and above will give you the best chance at getting the lowest mortgage rates. If your credit score falls between 600-680, there may still be mortgage options for you. However, they might be at higher rates. We recommend that you take steps to improve your credit score even if you don't have the time or desire to buy a home right away. You can prepare yourself for the future by doing this. This will help you qualify for the best mortgage rates, make savings, and pay your mortgage off sooner. Strong credit scores are essential to qualify for the best mortgage rates. To qualify for the best mortgage rates, you must have a credit score of 680 and above. Some providers will allow you to qualify for a mortgage with credit scores of 600-680. However, these providers might charge higher interest rates.

Click the link in the description to repair your credit fast!

home laon credit score

Tips for Moving Furniture Without Scratching the Floors

In this video, you will learn some awesome Tips for Moving Furniture Without Scratching the Floors.

Ok let's get started
Your floors can be damaged when you move them, regardless of whether they are made from hardwood, tile, or carpet. Although it may seem tempting to drag your furniture across the floor in a DIY move attempt, this is not advisable. You could scratch your floors and damage your flooring, and you might also end up damaging your walls or doors. It is important that you have the proper tools and materials to help with a DIY move. Moving couches, tables, desks, and dressers without proper protection is an offense. You can move furniture more safely and effectively without scratching floors. Check out these tips.

Register for help
It's not easy to move heavy furniture. I recommend hiring help if you only plan on moving small items like chairs and plant stands or end tables. Why? It is not a smart idea to lift and push heavy furniture yourself. You could injure yourself and cause injury to your shoulders. You can avoid damaging the hardwood floors by asking a couple of family or friends to move your heavy furniture. You can include beds, sofas, tables, console tables, tables, tables, big chairs, dressers and buffet tables as well as large couches. You don't have any friends who can help you? Hire a moving company to help with loading and unloading. They are skilled and familiar with moving large items on different types of floors.

Get your furniture taken apart
No matter what you do, never try to move furniture without a plan. Make sure you take all the pieces apart before moving. You can do this by taking apart your headboard, mattress, and bed frame; the pillows from the couches and all drawers in a dresser or desk. It's not difficult and it will make the task much easier. A toolbox is essential for furniture that requires parts or legs to be taken off. Moving furniture should not be difficult once you have taken it apart.

Take everything off the ground
Before you move furniture, ensure that everything is cleared off the ground. It is crucial for several reasons. First, you don't want to trip on anything when lifting heavy furniture. This is because you won't be able to move heavy furniture without bumping into it. Third, your furniture could get scratched.
You can use moving blankets, towels, or cardboard
Professional moving blankets are highly recommended for use in a move. They are cushioned and can protect and wrap the furniture as they move along the ground. We guarantee hardwood floors will be grateful for these blankets. Also, moving blankets protect walls and corners against damage during furniture removal. You can use cardboard or towels as an alternative if moving blankets are not within your financial budget.

Furniture sliders and gliders available for purchase
Use sliders to transport your furniture after wrapping it in moving blankets. You can find these sliders, or gliders online. (Tip: Check Amazon). These special cushions are made from felt, rubber, or plastic and fit under furniture legs. You can easily slide the piece across your floor by placing it underneath furniture legs. Furniture sliders work well for tables, couches, and other heavy appliances.

Consider renting a dolly
Renting a dolly is a great option if you plan to move heavy furniture and don't want to have to use steps. A dolly can be rented as an addition to a U-Haul moving truck. A dolly can be rented through the Home Depot moving equipment rental program. You can purchase a dolly at Walmart, Home Depot, and Lowes.

Be careful to move your furniture carefully and slowly
To avoid causing damage to your floors and yourself, you should move furniture carefully. Proper lifting techniques are required when picking up furniture from the ground. WebMD says to do this, bend at the knees and lift your furniture off the ground. According to the article, you shouldn't lift heavy objects above your shoulders. Make sure that your gliders have been properly attached before you push the furniture along the floor. You should move the furniture carefully and make sure that nothing scratches your floors. It's not an endurance race. It may seem tempting to move heavy furniture at lightning speed.

SEEK INDIVIDUAL FURNITURE SOCKS OR SLIDERS FOR ITEMS WITH LEGS

Furniture socks can be used to slide smoothly onto tables legs and bed frames in the same manner as your feet do on the ground. To help you move heavy items around on your wood floor or carpet, reusable furniture sliders are great. Even better, you can slip the furniture sliders under heavy tables or desks one by one and have the entire job done in one person.

LIFT and MOVE RATHER THEN PUSH
It can be tempting just to push all your stuff out of the front door and into the hallway. But you need to resist this temptation. You should lift smaller furniture and boxes rather than just putting them in the hallway. Even light furniture can get scratched.

For larger items, use large MOVING PADS or BLANKETS OR RUGS TO CUSHION AND SLIDE
Anything can be helpful! Many moving companies and truck rental agencies have renting options for moving blankets. You'll probably need two! You can use an old rug or blanket to help you slide the dresser down the hall. A couple of athletes can help you move large appliances using a dolly.

Are you ready for your DIY move?
You will need all the necessary supplies to move your furniture safely from one place to the next. Moving.com has a box center that will help you find the right packing materials to move furniture safely and securely. To move furniture yourself, you will need to hire a truck or trailer. Moving.com is a great resource for this. Check out this link for details, discounts, and quotes on DIY essentials.

If you aren't sure if your furniture can be moved but don't want to scratch the floor, hire professionals. All the best with your move!
That's all for this video thanks for watching.
To get a free moving quote from our awesome team click the link in the description.

burnaby movers

Donkey Kong Country Ice Cave Chant Remix â–¸ Ice Bells Are Ringing (Christmas Mix)

Support â–¶ https://materia.to/smc5 Subscribe and never miss a beat! â–¶ http://bit.ly/blindsub Christmas Remix of the Ice Cave Chant Song from Donkey Kong Country! Just in time for the holiday. Sit back and relax as those crystal bells and tingly Donkey Kong Country Ice Cave Chant melodies bring the holiday cheer with classic video game music by David Wise. Cheers and Merry Christmas. The Ice Cave Chant has been extended into many remixes and has restored the theme from remake to remix. Originally I thought I would do an orchestra track but the bells just seemed to work better and instead of making a DJ friendly mix I made something more suited for a remake of the Donkey Kong country Ice Caves Dave Wise has always been a huge inspiration to me and since his Donkey Kong Country Soundtrack is loved by millions, I thought I'd give the Ice Cave Chant tune a go as an extended Christmas Remix. Donkey Kong Country Ice Cave Chant Christmas Remix by bLiNd #dkc #ice #cave #chant #remix â–¾ Follow BLIND â–¾ â–º http://www.patreon.com/blind â–º https://blindhandicap.bandcamp.com/ â–º https://www.facebook.com/blindedm â–º https://twitter.com/blind_edm â–º https://www.youtube.com/c/blindedm â–¾ CAN I USE THIS MUSIC? â–¾ Any BLIND release that appears on iTunes, Spotify, or other music platforms has been licensed and is available for use in videos, podcasts, and streams. Use requires attribution: you must give credit to BLIND. When possible, I appreciate it if creators provide a link to the music video, fanlink, or website. #ice #kong #donkey #cave #country #chant #remix #orchestral #cover #oc #snes #vgm #theme #snes #remake #arrangement #composer #dave #wise #chill #hd #modern #dkc #ost #super #quality #studio #synth #cavern Translated titles: 大金刚乡æ‘冰洞颂歌混音▸冰铃å“èµ·(圣诞节混音) スーパードンキーコングIceCaveChantRemixâ–¸IceBellsAreRinging(Christmas Mix) Donkey Kong Country Ice Cave Chant Remix â–¸ Ice Bells Are Ringing (Christmas Mix) Donkey Kong Country Ice Cave Chant Remix â–¸ Ice Bells Are Ringing (РождеÑтвенÑкий м Donkey Kong Country ice cave chant Remix â–¸ Ice Bells Are Ringing (Christmas Mix) Esel Kong Country Ice Cave Gesang Remix â–¸ Eisglocken läuten (Weihnachtsmix) Donkey Kong Country Ice Cave Chant Remix â–¸ Ice Bells Are Ringing (Christmas Mix) Remix de canto da caverna de gelo country de Donkey Kong â–¸ Sinos de gelo estão tocando (mistura d गधा काà¤à¤— देश बरà¥à¤« गà¥à¤«à¤¾ जप रीमिकà¥à¤¸ s आइस Donkey Kong Country Ice Cave Chant Remix â–¸ أجراس الجليد ترن (مزيج عيد الم

How To Dispute Late Payments On Your Credit Report

How To Dispute Late Payments On Your  Credit Report
You know the damage a late payment can do to your credit score if it is reported on your credit reports.

Your credit rating will improve with time. With a little effort and time, late payments may be removed completely from your credit score. This article will discuss the impact late payments can have on your credit score and how they stay on your credit report. I also show you how I removed four late payments from my credit report in less than a month. What is the average length of late payments remaining on your credit report? Late payments are part of your payment history. They account for 35% of your overall FICO credit score. Just like other account information, late payments will be on your credit report for a period of seven years. A late payment can have a greater negative impact on credit scores than it does initially. As the debt accumulates, its negative impact diminishes each month. One 30-day late payment is not something that you will be able to recover from. As long as your credit history shows you are consistent in paying your bills on time and with no late payments, you can do so within a few months. Multiple late payments of 30 or 60 days, as well as 90 and 90-day late payments, will have a greater impact on your credit score. It will take longer to recover. I was able to get 4 late payments from my credit report removed and my score increased by 84 points. We all forget to pay our bills on time. This is something I have done. Due to fraudulent activity, I had my bank account closed several months ago. Or so I thought. I had updated all my auto-pay accounts. I totally forgot about the Amazon-only online store card. A credit card that I thought was closed had an annual charge. It wasn't until I received a 90-day late fee that I discovered about it. Capital One was my creditor. I voiced my dissatisfaction with the three late payments but was not heard. I tried the same advice a few weeks back and took 4 late payments off my credit report. I took just 5 minutes to complete one. Five days later, I received a letter from Capital One stating that the late payment would be canceled. The three other late payments were 30,60 and 90 days from Capital One for a credit account I thought was closed, but which had an annual fee. A few weeks later, all three were deleted by credit bureaus. My credit score soared! My scores increased by as much as 84 points across all three Credit Bureaus. My credit score was affected by late payments. It dropped 80 points. My FICO score fell 80 points. Even though I didn't care as much, I bought a new car and house. My credit file was not going to be used again for quite some time. I knew that I could get my late payments removed if I ever needed it. Before I wrote this article I wanted to test the methods here to see if my late payments could be removed from my credit reports. First, I Contacted the Creditor. I logged in to my Amazon credit card account and started a conversation with customer service. It's not possible for me to admit that I forgot to update my linked bank accounts. I informed the agent that late payments were being reported to my credit reports. I didn't believe it was true. Although it wasn't the best thing I have ever done, I wanted to know what would happen. They said that their department would look into the matter and inform me of their decision. After a 2-minute chat, they agreed to remove the late payment. I received a letter from Capital One informing me that the late payment would be removed within 30-60 business days. It's easy enough. It's easy enough. I disputed other late payments directly with credit bureaus. I then went online to dispute all 3 late payments by phone with all three Credit Bureaus. I received a letter 30 days later stating that the three late payments were being canceled. But I was not done. I wanted my score to be the best it could be. Paying down credit card debt can improve your credit score. I had a credit utilization rate of 40%. This meant that I used up to 40% of all my credit cards limits. Your overall FICO score is 30% based on your credit utilization. Your payment history (35%), has the biggest impact. Your credit limit should be kept below 10-15%. This will help you maximize your score. My score increased by 84 points after I paid off all my credit card debt. This is how you can achieve the same success as me. You can remove collection accounts by first contacting the collection agency asking for a "pay to delete". You agree to pay the amount owed and the collection company will remove the account completely from your credit reports. Your credit rating will not be improved by paying off debt collection accounts that have been paid but not deleted. You can dispute the agreement with credit bureaus if the creditor refuses to work with you. It will surprise you how many times these companies fail to submit the necessary documentation to the Credit Bureau. The account is then deleted. You can often get several accounts deleted by simply disputing them. There are three ways to remove late payments from your credit report. The best way to resolve late payments with creditors is to dispute it with them directly. If the late payment was an error. Customer service can be contacted to look into the matter. They will usually need time to investigate the issue and provide a response. If the error was made by creditors, the department will usually refund the late fee and remove the late payment from your credit score. This is not always true. You can continue to the next step if they refuse to pay the late payment. 2. You can file a dispute with the Credit Bureau. All information on your credit report can be disputed with the three major credit agencies. The credit bureau must investigate the account. The credit bureau will request validation from the creditor for late payments. Credit repair companies use this method to improve clients' credit scores. The late payment will be deleted if the creditor does not respond within 30 days. Large banks and lenders often have credit dispute departments. These departments are often very efficient in providing all the necessary information to the credit bureaus. It is difficult to get late payments removed by disputing the credit bureaus. It's possible, but not impossible. Check out these sample letters from credit bureaus. You can file a complaint with the CFPB. The Consumer Financial Protection Bureau (CFPB) accepts credit-reporting complaints starting September 22nd 2012. Consumers now have the right to complain against lenders and bands about incorrect credit reporting at the Federal level. You can either file a complaint directly against the creditor or against the credit bureaus. Credit Bureaus Dispute Information TransUnion LLC Consumer Dispute Center P. O. Box 2000 Chester, PA 19016 Tips for disputing your Transunion credit report Online: https://dispute.transunion.com Phone: 800-916-8800 - 8am-11pm EST Experian Dispute P. O. Box 4500 Allen, TX 75013 Tips for disputing your Experian credit report Online: https://www.experian.com/consumer/upload/ Phone: (714) 830-7000 Equifax Information Services LLC P. O. Box 740256 Atlanta, GA 30374 Online: https://www.equifax.com/personal/disputes Phone: (800) 846-5279 Goodwill Letters Don't Work Anymore A few years ago if you were late on an account that otherwise was always in good standing. As a courtesy, customer service could remove late payments. Credit bureaus have already ended that process. If the late payment was due to an error made by the creditor, a creditor cannot offer forgiveness. It is not a good idea to ask a creditor for forgiveness for late payments. It will be noted that you have admitted to being late and it will be more difficult to get the late payment removed in the future. One late payment of 30 days can have a negative impact on your credit score, making it harder to get approved for loans. A late payment can cause your credit score to drop by up to 75 points. These methods can be used for credit card accounts, auto loan payments, mortgage payments, store credit cards, and just about any other loan or credit account.

latepayments

Thursday, December 30, 2021

Free Report Why You Will Never Succeed Online

Are you struggling with questions like these?


What affiliate offers should I promote - especially in today's economy?

Can I build landing pages without a website and if so how can I do that?

Is there a way to promote multiple offers at the same time, and if so how?

What traffic source should I really use for affiliate marketing to succeed fastest?

But I'm brand new! How do I get started with affiliate marketing?

What affiliate networks should I start working with?

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How to Listen to Your Inner Guide

Most of us know about our Inner Guide that is capable of telling us how we are actually feeling about our options and life circumstances. This guidance within us has an direct connection with and understanding of our true feelings, emotions, and instincts.

Many find it not that easy to get in touch and follow theis Inner Guidance... These practical Tips may help...


Top Digital Marketing Agency In San Antonio- Advertising Agencies In San Antonio Texas Check It Out!

Video is one of the most effective ways for advertising your business.
Are you struggling to keep up with the latest advertising marketing strategies? If so then perhaps we can help build a strong brand recognition for your business.
There's nothing more frustrating than spending a lot of your hard earned money on advertising. And still don't see meaningful results.
What you really need is a qualified ad agency, who won't charge you. An arm and a leg to maximize your business exposure online. We will help you create and get the videos rank on the highest spots on Google and Youtube.
Here at Digital Promotions New Braunfels we've been helping local businesses with their Advertising and Marketing needs for over 2 years.
We use a very successful cutting edge video marketing strategy to get your videos to show up on the first pages of Google and Youtube. While Google and YouTube are the first and second largest search engines. It really helps to add videos to your website. so it can increase your search rankings on Google and the other search engines.
To help you make the right decision for you and your business. We offer a completely free, no obligation 30 minute consultation. And if you decide to become a client of Digital Promotions New Braunfels Advertising Agency. You will receive a 5 night hotel stay in one of Mexico's most beautiful destinations.
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Fantastic inventions! Solve all the problems with any URSUS tractor.

Amazing product. Perfect solutionfor anyone who uses tractor ursus C-330, C-360 or even ZETOR. You don't need these useless chains any more.

How To Make Keto Salad Dressing

This Keto salad dressing recipe really comes from Greece but it is also a low carb salad dressing. You will need:- ½ cup (108 gr) extra virgin olive oil ½ cup (119 gr) apple cider vinegar Juice of 1 medium lemon 1 ½ tsp garlic powder + 1 ½ tsp dried oregano 1 ½ tsp dried basil + 1 tsp honey mustard 1 tsp onion powder + 1 tsp parsley 1 tsp salt + 1 tsp pepper Whisk them all together Serve over your favorite salad Perfect with grilled chicken Lots of Keto recipes in the Real Plans Meal Plans app. Real Plans is a keto meal planner app that creates custom weekly menus to make planning, shopping, and cooking much easier. For many, macro tracking and the keto diet mean successful weight loss.

Our keto meal plans keep you on track while helping prevent food boredom in this lifestyle change. Real Plans creates custom weekly meal plans using over 500 built-in keto recipes, with the option to add 100s more from some of your favorite keto bloggers. 


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Moving In The Rain

The rain makes moving difficult and is not recommended. Unfortunately, we cannot control the weather. Particularly when it is planned months in advance. You could make a decision to move in spring instead of winter, avoid the rainy period, but it can happen that an unexpected downpour strikes when you least expect.

Some other options are available to help prepare for those just-in-case moments of bad weather. These don’t necessarily have to cost too much. We recommend that you don't go to the expense of buying special rain-specific moving material and boxes.

These clever tips will help you move more easily in heavy rain. Also, we have logistical advice. You might not think these are important, but they will come in useful when you are trying to manage in an environment of high stress and last-minute scrambling.

1. You can wrap the items in plastic.


Many people stop packing after the move is complete and do not think of hanging their clothes in baskets. This person plans to transport a garment rack and wrap it in sheets. Plans like these should be reconsidered in the event of a severe downpour. You should protect any items that are susceptible to damage by rain, such as electronic devices. It is possible to wrap the items you don't need in plastic.

There are many movers who have to shrink wrap to protect furniture items from rain. If your movers don't offer this service for an additional charge, you might consider using household items to protect furniture. Keep in mind that although plastic repels water and cotton sheets offer less protection, they are just as durable.

Protect your goods from rain damage

In a trash bag, toss your clothes and any paper materials. Each family member should keep their clothing separated, but you don't need to worry about them being folded. If clothing gets wet after moving, laundry might be necessary.

Protect art by wrapping it in plastic wrap. If you have small things that can't be packed in boxes, wrap them with the grocery-store plastic wrap. An extra bubble wrap is also an option.

You can cover your furniture with comforters. You might find sheets too thin for water repellence, however, comforters with thicker materials can temporarily cover furniture against light rain. Put the thick blanket around your furniture. Secure it using bungee ropes.

Buy shrink wrap if your time allows. Moving valuable, fragile items such as fine art and antiques that are not meant to get wet might make it worth your while.

2. Rain gear should not be overlooked.


When moving in the rain, protect your belongings first. Don't forget to safeguard yourself. Being in the rain can lead to more injuries for everyone.

Shoes that are non-slip can help reduce risk. For a more comfortable move, you can grab the following items:

Supplies for rain moving:

Rain boots

Umbrellas

Baseball caps or baseball hats

A changing of clothes

3. Do not wait for the mover to arrive.


Allow time to organize your home and prepare it for the mover's arrival. Just a few easy steps can help you make your day more organized and smoother.

Rainproof your home

Install a welcome mat. Don't worry if there isn't one. Any rug you find cheap will work. It is best to use good judgment when laying a wool rug. If you do not have rugs to wipe feet on, then go buy one at a Dollar Store or get towels.

It's time to crank up your heat. The heat should be turned up in your home if utilities are switched on. The furnace can remove water from the air to make it feel more comfortable.

Make sure to have lots of extra towels. Towels that can be damaged are a good idea. Heavy rain could cause movers to need towels to wash hands, dry their clothes, or to dry them off.

Set aside dry cardboard boxes. These can help create a non-slip flooring surface. If you're wearing wet shoes and walk on wood or bare tile floors, they can make the floor slippery.

Affordable Video Creation

If you are looking for an Affordable Video Creation for the price of a meal? Then you are in luck. https://kdrvideos.com/

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Wednesday, December 29, 2021

Daniel Triana music bio

Electronic music with dark ambient textures, exploring technology and how it relates to the arts. Prior to Daniel's solo experiments, he was the founding member of the gothic/alternative band entitled: "Bellas Artes". After several releases, the band slowly dissolved, but the music remains a pleasant memory for Daniel. 


​


TriLab first appeared as a label and studio in 1994, prior to that, some of Daniel's music was released through a german label called: IRRE-Tapes (Kindsbach). Some of his music also appeared in the french series: Tears Compilations. Besides the conventional and purely original 3-7 minute song structure, Daniel has also composed short ambient-like snippets as in "The Color Of Sound" CD (including his more techno-structured full length compositions), as well as more longer pieces like the 15-minute "Angel en una Tormenta [Angel in a storm]" (Tears Compilations: France), along with his longest works to date, the 40-minute live/ambient/experimental piece: TriAna "Live at Trilab". 


​


Daniel TriAna's only cover version to date is his rendition of The Sisters of Mercy's Heartland (The Various Artists Tribute CD is available on Cleopatra Records(USA)). Daniel Triana has composed soundtrack scores for graduate students at the prestigious SVA (School of the Visual Arts in New York City). These scores include original music as well as sound effects for computer and stop-motion animation pieces. Daniel is a member of the Music Producers/DJ collective; Sonic Warriors United (SWU) based in Germany.


https://danieltriana.com/

https://youtu.be/nBbiivH--ys

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Tips For Moving Furniture

#burnabymovers #movingfurniture #movingcompany Get a free moving quote from our awesome team https://www.facebook.com/burnabymovin... Tips For Moving Furniture Although smaller items can be packed into boxes or crates, it's much more difficult for furniture to be properly packed away. Finding good furniture movers Burnaby can make the difficult transition less stressful, no matter if you're moving to an office or a home. With the help of a skilled team of furniture movers and the knowledge below, you can move everything without causing damage to your furniture or walls. SELECTING A FURNITURE MOVING COMPANY When planning your move, the first thing you should ask is "How do I find furniture movers near my home?" It takes some research and planning to choose from among Calgary's many furniture moving companies. You should first review the company's history. You should check out the company's history, certifications, and reviews from customers. Second, ensure that the furniture moving company you are considering is licensed and insured in your locality. You can then reach out to the company to get an idea of how your relationship will be. It is important to communicate early with furniture-movers if you want to make a good impression. MOVING FURNITURE ON a BUDGET If you are looking for a cheap way to move the furniture far away, you should do some research. You don't have to do everything yourself or skip hiring a professional moving company. You can save money by consulting a professional moving company several months before your move. An experienced moving company will be able to give you tips on how to properly pack your furniture and how to safely move it. Even if you decide to do it yourself, this consultation is still beneficial. Even if you don’t use their full services, professional furniture movers want to do things right. PREPARATORY PHASE You need to ensure that the job is done properly, regardless of whether you hire a moving company. You should measure your furniture carefully before you start. It is important to measure the furniture that you will be moving and also the space between the doors and hallways of the new home. To ensure that the space is accurate, measure twice if it is too tight. Poor measurement can result in furniture becoming stuck in a narrow space. It is possible to prepare ahead by taking out any drawers or cushions, which will lighten your load. HIGH-LOW METHOD The high-low method is the best option for heavy appliances, large couches and other difficult pieces. This method requires two people to work together, but it makes the move easier and safer. Both people should start on the opposite side of the furniture. The piece should be tipped towards one person. This person will take the highest end of the furniture. The other person should bend at their knees to take the low end. Ensure that you keep this angle straight while you move. This makes it easier to move heavy furniture around corners and down the stairs. Large furniture can be moved at an angle so you can pass through narrow hallways and doors without damaging walls. MOVING TOOLS Certain tools are useful for moving heavy furniture if you have a large, flat area such as a hallway or large room. You can use shimmy cloths to place under the feet of your furniture. This will allow you to slide it across a flat surface without damaging the floor. Large cabinets and dressers can be placed on a rolling dolly. You can then use the dolly's wheels to move them, but make sure the object can still fit under doorframes due to the additional height. Furniture with doors, movable parts, or cushions should be wrapped in furniture wrap to make it easier to move. This ensures that your moving process is not interrupted by a door opening or cushion falling off of a couch. NAVIGATION CORNERS It can be hard to maneuver large chairs, couches, and beds in tight spaces or downstairs. Remember to place the legs and arms of your furniture in these places to your advantage. Check to make sure the legs and arms are easily removable. In cases where space is extremely limited, it can be a two- to three-inch saving if they are. If the legs or arms are too heavy to remove, you can move the furniture so that it "hooks" around corners. The open end of the furniture should be angled so that the leg or arm is at the corner. This allows you to move around corners more easily, which can be a big help in getting furniture out of a house or stuck in a hallway. Get a free moving quote from our awesome team https://www.facebook.com/burnabymovin...

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Ceiling Replacement Perth

At Perth Ceiling Repairs, we are focused on your ceilings with the upmost professional quality, service and innovative solutions making your ceilings looking fantastic and safe 24/7, 365 days a year. Perth Ceiling Repairs is Perth’s premium ceiling installer and replacement at affordable prices.

Perth ceiling repairs has an extensive portfolio of Ceiling work they have carried out over the years.

We only use the trusted and reputable products to carry out our jobs.

Trust assured our attention to detail and affordable and competitive prices wins hands down.

Perth Ceilings cover the Perth metro area.

Contact us anytime to discuss your requirements.

ceiling restoration

What Is The First Step?

Most people with bad credit would like to fix their credit, but they aren't sure how to do this. A negative rating will affect your ability to apply for and be approved for loans, credit cards and accounts, which will affect the way in which you shop for and buy items that may well be seen as necessities. The longer you have had an account, the more it helps your credit score. No wonder people pay big bucks for a do over of their credit because your credit score really matters its a numbers game and the higher the credit score, the better

Be sure to look for a team of certified FICO professionals, who offer professional and legal credit solutions and help can anybody with a bad credit score. Check reviews and see if the company has a record of being successful and customer friendly in all their cases. The client can cancel their service at any time they see fit

Lots of people get discouraged once they find out they have terrible credit. It isn't that simple to get rid of things like bankruptcy though. Damaged credit is the effect of having poor payment habits, most of the time. Then she lost her job. Many of them will work with you to create a payment plan or will extend an offer in compromise which settles the matter for less money than what you originally owed

Sometimes it can negatively affect your credit reports. The credit bureau will then look into the mistake, correct it and remove any information they can't prove. Additionally, all three bureaus reporting layouts are to some extent distinctive and are likely to contain different information, so be ready to look at every single account against your personal documents

Can You Get Approved for Home Loan with Bad Credit


Saving thousand dollars a year is THIS easy!

I am always in wonder at how some people complain about having no money.. and yet seem to have a blind spot on what they spend money on. Luckily for Mr Zhong Shanshan (whom I bet you’ve never heard of!) there are enough blind spotters in the world to make him the 6th richest man in the world. 

How did that happen? Simple. He bet on people’s blind spot and sold them exactly what they never needed but suddenly though they did.

Bottled water.

Think about it. If you are 30 or over you still remember when you DIDNT see the need to buy bottled after. You drank water from your home tap. Then came the fear campaigns (and the chemicals!) that proved to you that water enclosed in a plastic sheath, and sold to you by a multinational was ‘better’.

Yes, it may be better if it can be proven it is chemical free.. but the scores of cases already recorded of exposes of companies that just filled bottles with tap water makes that one hard to accept. And now we know about the problems of plastics and the fact that we ingest the equivalent of a credit card of plastic EVERY MONTH.. the idea of a plastic bottle loses its attraction.

We all know about food miles.
We have agreed that we should buy food locally where possible for many good reasons. But water? There’s that blind spot. Just grab a dozen of the supermarket shelf. They are on special this week.

Yes, there are some quite terrible water supplies. In the US there are over 200 cities that supply water with toxic levels of lead, a known brain toxin. In Australia thousands of people are drinking water with carcinogenic PFOAs. In many countries fluoride, chlorine and chloramine has been added to ‘make our water safe’.

I’m sure Mr Shanshan can tell us hundreds of stories about how bad Chinese water supplies are.. and every time he does, he can watch his bank account grow. I have no argument with him. Perhaps given China’s water problems he is doing something good.. but honestly, at what cost to the environment and the world?

If you’d like to get off the bottled water merrygoround, drop us a line and we’ll show you how you can massively reduce the money you spend on good water.. forever. And get ready to have lots more dollars in your pocket!

Call on Leon in USA
Call on Callum in the UK
and Michael in NZ
Call on Angela in Canada
Call on JJ in Singapore and Malaysia
Call on Alkaway in Australia

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