Rebuild Your Credit With A Prepaid Credit Card

It can be pretty tough when your credit is bad and it is next to impossible to get credit when you need it. Most major credit card companies will not talk to you, and a lender – well, forget about it. There is a way, though, out of the tough situation with a prepaid credit card. Here is what you can do with a prepaid credit card to help rebuild your credit score.

Need A Bad Credit Rating

One of the best things about a prepaid credit card is that it was designed for people with bad credit. In fact, that is one of the qualifications. There will not be any check on your credit rating, or your employment. Anyone can get one of these credit cards, but you will need to deposit a cash amount equal to the credit limit you want. This lets you know that it operates on a debit basis – no actual credit is given.

Get A Card That Reports To A Credit Bureau

Not many prepaid credit cards actually report to a credit bureau. That is, however, the kind of card that you want to get. While others make having cash handy, it really will not help you (or anyone with bad credit) in the long run.

Watch The Fees

Prepaid credit cards often come with a number of fees. You should compare one card with another in order to get the fewest fees. In order to get a prepaid credit card that reports to a credit bureau, you will probably have to pay an annual fee – could be as high as $ 100.

Look For Benefits

Most prepaid cards do not come with any benefits, but some do. You can get points, like on a regular credit card, that are useable for a few benefits – like free phone time, and more.

No Credit Card Abuse

Another good thing about these credit cards is that you can never go over your limit, or have to pay any late fees or interest. (Hey, this is sounding better all the time). This means that if it reports to a credit bureau, that it would be impossible to get a lower score than what you may already have with this kind of card.

Easily Put Cash On Your Card

Most prepaid cards will allow you to easily put credit on it from just about anywhere. You can even put your paycheck onto it by Direct Deposit.

Use It Like A Credit Card

A number of these prepaid credit cards can be used in the same way as a credit card. You can set up automatic bill payments, purchase things online, or over the phone. If you want this feature, however, be sure that the ad says that you can do this.

Like any other credit card, you will want to compare features and fees in order to find the best prepaid credit card for your needs. While most of them are similar, the fees vary broadly. Since no qualifications are needed, why not get the best?

The Art Of Flattery – Using Flattery To Become More Attractive

Many people completely hate the word "flattery" and to even say there is an art to this makes them shudder with total disgust.

In a culture where everything is either right or wrong with very little room for the "grays" in between, I can understand why the word "flattery" rubs people the wrong way. I can also understand why many are sickened to the stomach because flattery is often associated with compromising one's values ​​and integrity.

But is flattery always a bad thing? And does flattery always have to be insincere? Does flattery make you more attractive and should you use the art of flattery on the men / women you find attractive?

Personally I find that mild flattery does often move things along more pleasantly than outright candidness. While excessive insincere praises intended to put the other person into the position of owed something to the flatterer is cheap and cheesy (and often reveals emotionally "needy" personality out for approval), a little flattery does help to quickly warm up first meetings or bridge relationship gaps.

For example starting off your conversation with a statement like "You look gorgeous" is certainly better than starting with "You forgot to put on your make-up today". By offering positive reinforcement, you are not only making the person feel good about herself but you are taking the small extra effort to actually show the person that you care about how she feels. She may come back with "I do not have my make-up on" to which you can respond with "You still look good". But when you say "I could not even tell you did not have make-up on" or "You look like you have make-up on", you've crossed over to the excess insincere praise.

In terms of bridging relationship gaps, a little flattery goes a long, long way. Say you are the "hottest" woman in your workplace or even at a party, taking the time to shake hands with the office boy or cleaner, or saying "hi" to the "geeky-looking" guy standing all by himself not only makes their day (they will be talking about it for days) but moves them away from feeling like a "nobody" in the eyes of society to "somebody" to those present (and to himself). Just by a simple gesture you show the person that you care about how they feel. Did I mention you'll be ever so "hotter!"

Having said that, I do not advocate using flattery to manipulate another's self-doubt or use their feelings of inferiority against them. Using flattery for personal gain has its own "come back to bite your ass" consequences. You can not get round using flattery to always get what you want without starting to feel empty, phony, lonely and depressed. You can never genuinely and deeply connect with others if you are manipulating their feelings.

Also keep in mind that flattery works for about 95 percent of people. Recognizing situations where flattery is appropriate is the secret of the art of flattery!

Mental, Emotional, and Physical Benefits of Organic Food

Organic Food eating comes with a wide array of benefits that not only include better physical health but also emotional and mental health as well. Having an all natural diet can work wonders for you emotionally and mentally. First it may provide you with the feeling of being closer with nature. It can provide peace of mind by knowing that you are not harming the planet in any way related to the food you consume. You can be at peace with the mindset that Mother Nature will not poison you because you are not poisoning her. This works in reverse with conventional food because the industrial fertilizers and pesticides used on them greatly pollute and hurt the environment. The fruits and vegetables they produce in return come with toxic residues that are very hazardous to the health especially when continuous intake begins to build up.

Growing Organic Food in your very own garden may also take you closer to nature. You will start to develop respect for nature as you make effort not to intoxicate her with chemical substances found with conventional pesticides and fertilizers. You will begin to grow more attached to the environment as you plow the soil and use natural fertilizers such as manure. And when it is finally time for harvest you will realize clearer how nature provides for those who take care of her. Some doctors and psychologists even consider gardening as an activity that is soothing to the mind and soul. This is the reason why they recommend gardening as a hobby.

The physical benefits of Organic Food are still the primary reasons why people make the change from conventional diets to the organic diet. The physical benefits can be described as originating from two things which are presence and absence. Produce grown from organic farms possess high levels of phytochemicals and antioxidants that are much higher than those found in traditional goods. They are also free of the toxic elements and chemical residues that are common in conventional produce. It can be summed up that unrefined food has more vitamins and nutrients and less heavy metals at the same time.

The superiority of the nutrient content of Organic Food is said to originate from the use of chemical free fertilizers. This is because chemicals commonly found in industrial fertilizers as well as in commercial pesticides have been found to greatly mitigate the ability of plants to produce phytochemicals as well as antioxidants. This is because these synthetic substances lower the need of plants to produce extracts that will help them absorb nutrients and fight pests and diseases. The toxic chemicals that eventually end up into the soil also kill microorganisms and disrupt the generation of nutrients. Hence as plants are grown into the soil the nutrients get used up until it is eventually depleted which can even lead to desolation in which the soil becomes unfit for farming.

The Beautiful Mountain Town of Sapa Vietnam

Sapa is one of the naturally serene and lush towns in Vietnam. It attracts many travelers with its magnificent landscape, which features colorful tribal villages, French colonial villages, lush vegetation and numerous green fields stacked on one after another.

Sapa is also close to Fansipan, the highest peak in Vietnam. Nestled at an elevation of 4921 feet or 1500 meters, Sapa is in Hoang Lien Son mountain range, in the northwest region of the country. Because of its geographical location, the town's rugged scenery usually experiences being clouded by a warm mist, which only adds to Sapa's beauty and charm, and making it truly a unique place to visit.

Sapa is about 376 kilometers from capital city of Hanoi. Sapa has risen to be the most popular mountainous district in Vietnam. You will easily be charmed by the terraced rice fields, the ethnic lifestyle and the cool climate, inviting you to stay longer in Sapa than you intended. Becoming a tourist destination paved the way for the establishment of hotels and accommodation facilities in this town so you do not have to worry about finding a place to sleep during those tranquil nights. If you really want to immerse yourself into the Sapa lifestyle, you can also arrange for a homestay in one of the tribal villages.

One of the best things to do in Sapa is walk around the town early in the morning as the tourist crow is not yet in full swing. The town is small, so you can easily navigate your way on foot. In fact, everything in and around town can be explored on foot making the most popular activity in Sapa – trekking. Trekking to various villages is fun and adventurous. Just make sure that you have good trekking shoes or boots and waterproof bag. There are also tours that involve renting a bike or motorbike to explore the countryside and visit waterfalls.

There are other less rigid things to do while in Sapa. You can always visit other neighboring villages like the Lao Chai Village, by hiring local transport like a jeep or van. You may also watch ethnic minor dance performances, sign up for the Hmong sewing classis and visit noticeable attractions like the Han Rong Resort, Sapa Culture Museum, the Sapa Lake, Bac Ha weekend market and the European orchid gardens and colonial buildings.

Sapa is home to a couple of ethnic minorities such as the Dazao and Hmong. These people live a simple life and have managed to maintain their culture and traditions. It is a rewarding travel experience to visit their villages and learn about their way of life. You can ask them to be your trekking guide instead of getting one through the hotel. Other than agriculture, the tribes are also now relying on tourism for a living.

Remember to always be respectful and courteous when dealing with them, especially when taking photos; always ask their permission first. The best time to visit the town is arguably from September to October as this is the period when the rice fields are turning their color from green to yellow. During wintertime, the town receives more of that appealing fog. No matter when you visit Sapa , you will definitely enjoy this new pin on your travel map!