About Author

Author: Mark Campus

Mark Campus is a content marketer who owns Keenan’s room. A writer by day and a reader by night, he is loath to discuss himself in third person.

How to Repair Your Credit Report for Free

Many people don’t know how to go about getting derogatory information off of their credit report. They assume that if they paid the debt or did their part to take care of the problem, it will automatically show as corrected on their credit report. Often times it does not.

The first thing you should do is get a free credit report from each of the three credit repositories. You can do this by going to annualcreditreport.com. Here you will be directed to the three credit repositories, Experian, Trans Union and Equifax.

Choose the free credit report, you won’t get a credit score with the free credit report but this is fine for trying to fix your credit report. Once you have your credit report repaired, then you may want to pull your credit score to see where you stand. The credit score of the bank can be looked at Omalaina website. Different tips are provided for changing of the credit score of the financial institutions. 

Getting your credit report is quick and easy. Just follow the instructions on the screen. You will have the option of pulling and printing a report from each of the three repositories. You will want to compare them to one another. One may have derogatory information on it that another one may have removed. And you will want to make sure it is off of all three repositories.

Once you review each report and you know what you want to have removed from them you are ready to write your letters. You will need to write a separate letter to each repository. Each letter may be different depending on what information is on each report that you want to dispute. This letter will be short and to the point. You will need to have your name, address and social security number on the letter. Address each item that you are disputing in separate paragraphs and type the information just as you see it on the credit report. For instance:

Judgment docket #2INDC-1011-93-5588: State of Indiana dated 3/93 for $1,100.00 was paid in full on 5/98. Receipt attached.

Attach receipts or documentation to support your claim. If you don’t have receipts, you can still dispute a claim. Just put all the information in the paragraph as best as you can remember it. The repository will have 30 days to go to the company filing the claim and get a response from them. If they don’t respond in 30 days, the repository is obligated to remove the claim. Of course if they do respond that it is in fact paid, they will also remove it. But if they respond that it is not paid, it will remain on your credit report.

The address for Experian, Trans Union and Equifax will be at the bottom of the respective credit reports. You can also go to their web sites for their address as well. Their web addresses are:

  • Experian: www.experian.com
  • Trans Union: www.transunion.com
  • Equifax: www.equifax.com

This should be done once a year to make sure that your credit report shows what you think it should show. When your credit report is accurate, your credit score should improve. Then you will have the best opportunity for obtaining loans and credit cards and getting better interest rates and terms.

Baby Baskets- Which Kind Of Flower Basket You Should Select For New Born Baby

Are you invited at the occasion of a newly born baby? If yes, then it is obvious that you will bring a gift with you. Flower baby basket will be the best idea if a baby girl is born.

It is one of the joyous events you will be going to attend, so it is your responsibility to add some stars to it. Contact baby gift baskets Toronto as you will get to have the best flower basket at your home in no time. The colors of the flowers are essential in order to make the basket to look more beautiful.

What kind of color should you choose for the basket?

If you are going for a newborn girl, then it is obvious that pink will be the best color for them. A girl loves pink color, so you should add pink and white color flowers to the basket.

On the other hand, if you are going for a baby boy, then blue and red are the two main colors that will look beautiful. It will look so fascinating, and also the environment of their home will be filled up with fragrance.

What are the extra things you can add to the flower basket?

If you want to enhance the look of a flower basket, then you should see all little in size toys in them. There are lots of teddy bears that are tiny in size, which will look good in the basket. Stuffed animals are the best for the kids because it can do no harm to the kids.

Thus, in a nutshell, it is concluded that the flower basket will be the best idea for making the baby and mother feel good.

Mobile Games that will Make You Smarter

With our mobile phones on our hands, we can now easily access any form of entertainment. Whether it is music, videos, movies or games, our mobile phones got it all for us. Today, one of the widely used form of entertainment that millions of mobile phone users are engaged into is mobile games. Conventionally, we perceive mobile games as just entertaining digital creations. But little did we know, mobile games can also make you smarter. So if you are fond of playing mobile games and looking for android games that will sharpen your mental capability, you are in the right place. 

Brainwell 

One of the most popular android games that make players smarter is Brainwell. In this game, you will be faced with different problems that will test your attention to detail with some of the fun and yet challenging cognitive exercises. This game can be downloaded for free. 

Eidetic 

Aside from problem solving, brain teasers are also effective in training your brain. Hence, Eidetic is the best mobile game to help you. This game is a puzzle game so as a player, you need to figure out how to make things connected. There are 98 levels in the game so you’ll really need to focus to win. 

Elevate 

Elevate is also an effective game to help you become smarter. This will help you enhance your speaking skills improve your attention to details, improve your math skills and accelerate your processing speed.  

PowerVocab 

If you love word games, PowerVocab is the best game for you. This game is certainly able to expanding your vocabulary. By playing this game, you will surely learn new words everyday. You will also find word cookies answers in the game.  

Surely, these games will not also entertain you but will also make you smarter.  

How to Brand Yourself or Company Without Using Social Media Sites

Marketing a brand today seems to revolve mostly around getting to know how to use Facebook, Twitter and the internet in general. At least, if you are to judge by the number of books on branding and marketing that are best sellers. While the web, in particularly social media, is undeniably important in raising the level of awareness and familiarity with your brand, don’t forget that many brands became household names decades before anyone had heard of MySpace. Yeah, MySpace.

Customer Feedback

The customer is the backbone of turning an unknown entity into a recognizable brand. Whenever possible, take advantage of old-fashioned face-to-face contact with customers. Ask them questions related to how they use what you are selling. What could be done to improve quality? What are you not doing or seeing that would increase loyalty to your product? How does the competition compare and why do they choose you over them?

Surveys

If your fleshly contact with customers is limited or perhaps even non-existent, then consider a survey. Surveys can be mailed out, handed out or done online. Marketing research is an industry built upon the solid foundation of people taking the time to fill out a survey. Entice completion by attaching a coupon or offering a discount if the survey is returned. What goes into the survey will vary, of course, but keep in mind you are looking for things specifically related to the current awareness of your brand, its value, customer loyalty and input on how to improve such aspects.

Focus Groups

In almost every case, a focus group should be avoided if you are trying to brand a creative entity. Don’t rely on the opinions of others to gauge mass market entertainment value. Stake your own claim and be an innovator. For everything else, the focus group is definitely open for consideration. Hand the job over to a professional research company that will have more experience in knowing who to invite, what questions to ask and how to handle the meeting overall. Additionally, you may also use free instagram likes to grow your profile. Aside from the fact that you have focus groups, having set of followers on your social media account is also helpful.

Trends

If you don’t keep intensely aware of industry trends, then your brand will fall behind the times. Since trends today are changing at record pace so you can’t just watch CNN and read the Wall St. Journal. Work subscriptions into web sites, journals and newsletters into your budget and don’t be afraid to take a chance on attending out of town trade shows, conferences and seminars. The cutting edge is distinguished from the mainstream for a reason. By the time the latest trends that can do wonders for your branding needs hits mainstream news outlets, it is no longer cutting edge. Get to know what is happening in your business well before customers become aware of it and as far ahead of the competition as is possible.

Is there any service available that is capable of boosting the tiktok followers? Read to know more!

TikTok’s craze is on the peak as there is en number of people who are using tiktok, the tiktok enables the users to show their hidden talent inside them. The tiktok is capable of serving users with numerous benefits. Still, initially, you need to get famous or in trend at the tiktok, and you should be proficient enough to keep your viewers entertained. 

More followers on the tiktok are capable of serving the user with numerous benefits, which can easily lead them towards a prosperous future ahead. You need to post the right content on the tiktok regularly that will help you to gain more followers on the tiktok, after doing such things still you are unable to get the followers for tiktok then have a look at the following point which will help you to know what can you do in such situations: 

Preferably buy tiktok followers 

If you are unable to get more tiktok followers even after being more active, then you should  Buy cheap and fast TikTok followersas they are available at an affordable price of $2. After paying $2 you are eligible to get 100 TikTok followers; isn’t this amazing. But this may vary according to the currencies, buying tiktok followers enables you to get more likes and the massive increase in your fan following will lead you towards a path where you will be proficient to become a social media influencer.  

The tiktok followers allow the user to get more benefits, and they might get a chance to meet several more social media influencers of the tiktok stars at some events. You should tiktok followers as they are available at an affordable price, which leads the user to get better and amazing experiences.

7 Reasons Why There Should Be Another Edition to the Chronicles of Riddick

The Riddick movies, while not well received at the theaters it will be launched on movie2k for a special premiering with enhanced quality of picture almost comparable to ultra high defination, which have become a staple of most cable network rosters. These two movie editions have been played countless times over the years since they were released and continue to sell dvd copies. Reports that there was to be a third edition in 2010 were proven false and the fans are still waiting. This is the trailer that was leaked . Will there ever be another Riddick movie? Here are the top 7 reasons why there should be.

  1. To really be a Chronicle, there has to be another edition. Between the three movies, there’s only a week of Riddick’s life. Telling us there was five years between isn’t enough. Riddick’s history is a few short sentences. There needs to be more for a chronicle. (The third film is an animation called Dark Fury.)
  2. Cable companies play some movies again and again at certain times, knowing some of them are guaranteed to draw in a decent amount of viewers. From June ’07 To March ’08, Pitch black and the Chronicles were played on at least 25 different days and were often placed back to back, though out of order. There were a few weekends it seemed like one or the other was airing every time you turned on the t.v. and it wasn’t just on one channel. Considering the number of movies they have to choose from and how often the list is added to, I call that a significant number. If The Cable Co.’s think that highly of Riddick’s continued popularity, then the chance for another sequel doing well is still very good.
  3. All of the main actors from CoR are still very much in public view, are still watched and sought after and the fans would love to see them together again. Check out the Fanfiction websites. Over 1,000 stories on the Chronicles alone and over 500 on Pitch Black, people writing their own sequels in place of the ones they know may never come and most of them,(Absolute garbage) are based around only the existing characters. This one is really good .
  4. Sequels seem to be all the rage and most have survived. I won’t bore us by naming them. They’re never huge hits but they pay the bills, right? Super heros rescuing the world or psychotic slashers ruining the party, the remakes, re-do’s, and spin offs are everywhere. Why shouldn’t the CoR be revived too? If it was time for Freddy and Jason or Alien and Predator, surely there’s a place for another Riddick, who makes a lot more sense than any of the above mentioned American Icons.
  5. The Riddick character is unique right now. The strong and silent type has mostly disappeared and we,(women, a market the film makers haven’t really tapped yet.) miss him. I have to tell you, if I see another film with a ‘sensitive’ man in the lead roll, I may hurl.
  6. Not to make another edition to the tale is admitting defeat, failure.
  7. There needs to be a gap filler to get from them kneeling at his feet, to him reaching Furya if they ever hope to explore his home world and the story mentioned above has it. Shadows of Fate begins with Riddick and Aereon in the Necromonger thrown room and ends with him in the cockpit of a ship and home is where his passengers ask to be taken. In the CoR, Vakko states that Furya is a ruined world with no life to speak of. So shouldn’t he take people with him? But who? Other Furyan’s, of course. He finds them waiting for him on Tanaka Major, learns of a second half to the prophesy that says a great Furyan Warrior will find and lead his people home and true to his nature, Riddick is furious, realizing Aereon didn’t tell him. Riddick refuses to claim leadership of the group he’s found, denies being the great warrior but does agree to give them the ride to Furya in exchange for information and keeping the ship they say they have hidden. It ends up being a well laid trap by an assassin who was hired by the previous Lord Marshall over 30 years before.

Hopefully, the next edition will come out soon but if not, there’s always Fanfiction.

Top-Notch Items To Be Included If You Are Vacationing At The Pet-Friendly Beach Rentals

In this modern era, people are very affectionate with their pets, and they avoid leaving them alone when they plan a tour to a different place.

And the best thing is that you can easily take your pet along with you when you are traveling, and even you can book pet friendly rentals for your accommodation, ate very reasonable prices.

But the pet is very sensitive when they enter into a different environment, so you are advised to carry some of the essential things with you, which will surely benefit you on your vacation.

The following are the key essentials to be included.

Do not forget to carry pets food

  • This is the most essential thing to be included when you are planning to have the vacations at the pet friendly oceanfront rentals in Myrtle Beach as you might not get the food that your pet consumes regularly.
  • Most of the people face an issue when they travel to different country, and they are not able to get the appropriate food for their pet, and the pet gets ill because of the unpleasant food.

Medicines and certificates

  • If you are traveling with your pet for the first time, you might be not aware of the fact, but you should surely carry the basic medicines for your pet because he will be coming in a very different environment.
  • And the owner of the rental may ask for the certificates of your pet, or you may require them if your pet got ill in that area, and you want to consult the veteran.

Snorkeling: A Great Summer Activity

Since years past I have enjoyed snorkeling in different water habitats. While that first snorkeling trip was conducted on a shore reef in Mexico, I found that wide range of underwater worlds fascinating to explore. Snorkeling is relatively easy, especially with some practice. One only needs a good set of fins and snorkel gear and a clear body of water to explore. While one can visit reefs in the Caribbean or other seas of the world, there are also many water habitats to view in the US. During the summer months, there tends to be more life in the water including plants, fish, and other creatures. Although summer can also bring problems such as underwater pests including jellyfish and dead spots, it is often the best time to explore an underwater world.

While exploring underwater reefs in the warmer waters of the Caribbean may be fascinating to many, it is not the only possibility for snorkeling. Believe it or not there are countless wonders to explore in both freshwater and saltwater habitats throughout the US. Finding the best spots can be tricky sometimes. Few sites list spots that are good for snorkeling and most snorkeling websites deal with southern habitats found in the Caribbean or in Florida. While these areas are great for snorkeling, there are other areas that are noteworthy for snorkeling.

My personal snorkeling experience has included snorkeling in rivers, lakes, creeks, bays, and even the ocean. I greatly enjoy visiting underwater habitats that have plant life, fish, and even rock formations. During one trip to the Delaware Water Gap National Park in Pennsylvania, I viewed amazingly large catfish at over fifty feet at the bottom of the river. They were literally over three feet in length to my eyes. In the Chesapeake Bay, I watched crabs crawling over the surface of the muddy bottom. In lakes I have seen schools of different types of fish swimming in clear water. Sometimes even basic swimming beaches found at nearby lakes and rivers can be interesting to explore.

While there are great sights to see underwater, not every body of water is suitable for snorkeling. Many lakes have muddy bottoms that can make the water difficult to view through a mask. Harsh rapids in a river can also be dangerous physically. Some lakes or rivers have speed boats that may speed by uncomfortably close. Then there are jellyfish, snakes, and even parasites. Unlike chlorinated pools, open water environments can hold lots of germs. Sometimes certain bodies of water are closed for any water recreation due to biological germ outbreaks. It is for this reason that is often best to wash after snorkeling, or swimming, in an open body of water.

Exploring underwater habitats can be different from a reef system. Unlike reef systems which are wondrous in their density of life, many water habitats have life spread out over larger distances. One may not find fish or plants for quite a distance. In river habitats, one may see countless of rocks without a sight of life. Snorkeling in these different habitats can require more time to explore and sometimes patience as well. Some bodies of water may very little visible life.

Some of the more interesting scenes found included underwater tree roots that provided havens for schools of fish. In the Chesapeake Bay there are also grass beds that are home to young fish and other life forms. Many types of plants can be interesting as well. In many lakes there are numerous forms of plant life arising from the bottom. Natural rock formations can be fascinating to view from below. Then there is the act of simply watching an underwater habitat underwater over the course of a time period. Many fish may be too shy to swim by when first entering the water but over time they may emerge to be more visible. Often patience and time will reveal very interesting sights below the waterline.

While snorkeling does require some comfort with water and knowledge of swimming, it is surprisingly easy once one gets the hang of it. Exploring the wide range of habitats underwater can open one’s eyes to nature below the water line. For me it is a fascinating way to view a different realm of life rarely seen from above. While not every body of water is as suitable for snorkeling, one can often find interesting sights in lakes and rivers nearby. During the summer months, many bodies of water are warmer and have greater densities of life than in during the colder months. Snorkeling is also a great way to get “away” from it all and conduct a private retreat that is both relaxing and fascinating.

In conclusion, snorkeling is a sport that is one of the best ones to bring out the rebellious side of your personality that has been buried deep within since ages and gives you an adrenaline rush that lifts your mood to a whole new level. But it should be done safely and it is only possible through face masks of snorkeling that do their jobs perfectly. For different brands, you can look up the best snorkel mask at snorkelstore.com to get a general idea about them.

Sustainable Construction With Eco-Dome Designs

Consumer interest in sustainable housing is at an all-time high. With more people becoming aware of the tremendous impact the housing industry has on our environment, many more people are eager to build, buy and live in houses that are constructed sustainably and efficiently. The Eco-dome method of sustainable construction, copyrighted by Cal-Earth, is one of the most efficient and easy methods of green design currently in use.

A form of earth-bag construction, meaning that it uses bags full of clay as a primary building material, Eco-dome structures are formed with long, tubular bags employed the make beehive-shaped domes. The walls of eco-domes are deeply curved to make circular rooms with dome-shaped ceilings. The result is a rounded, organic, womb-like structure that bears more than a passing resemblance to natural homes built by other animals, like bees and beavers. This is why as you start with the construction of your new house you can talk with your construction recruitment agency about you goal and expectations that you have with your new eco-friendly house.

Eco-dome sustainable housing is earth-friendly because of the extensive use of inorganic soils as a construction material. Sand and inorganic clay (not topsoil) are some of the earth’s very few resources deemed essentially inexhaustible, and they require no energy for processing or transportation if they are gathered locally at the construction site. Unlike timber and brick houses, no unsustainable materials must be used (aside from the bags themselves) to construct Cal-Earth’s Eco-domes.

Thanks to the amazing insulative power of earth-bag as a building material, Eco-domes are also extremely energy-efficient, and require very little, if any, energy or resources for heating and cooling. Eco-domes can be designed to incorporate solar energy and radiant heating, and they can be built in accordance with the principles of passive heating and cooling, for optimum comfort throughout the year.

Earth-bag construction using the Eco-dome design is ideal for people looking to build their own homes who lack prior experience or expertise. In just a matter of weeks, or even days, Eco-dome housing can be constructed by a team of three to five people. Expertise and experience are in no way required by people seeking to use the Eco-dome design or any other common form of earth-bag construction.

Eco-dome housing is often finished by coating the structure in a plaster, which can be made from lime, cob, clay, cement, or even stucco. The finished appearance beautiful, graceful, and delightfully primitive, enabling it to blend seamlessly into the surrounding landscape. Although they look somewhat rustic compared to less sustainable forms of housing, their earthy appearance adds to their appeal.

Depending on the technique used, labor costs, energy sources, and the desired size of the house, Eco-domes constructed using earth-bags can cost anywhere from $2,400 to $30,000 to build. This price is comparable to the average cost of other forms of green architecture, including strawbale, cob, and earthship designs.

Although Eco-dome design may not be suited to the needs of every individual or family seeking alternative construction methods, it offers some advantages not provided by other forms of sustainable building. A consumer’s ability to construct or live in an Eco-dome may vary based on personal comfort levels, local building codes, and financial constraints. Regardless, most people will find that Eco-dome construction methods can and will result in beautiful, versatile, and magnificently earth-friendly structures.

Things You Need to Know About Tax Credit

The good thing about tax credit is that it has the ability to increase your tax refund. Thus, as a taxpayer, it is important that you are aware of the qualifications for this tax credit. To help you out, here are some of the eligibility concerns about tax credit. 

The only eligible are the low to moderate-income earners

The EITC or earned income tax credits are only limited to low to moderate-income earners. Basically, taxpayers should file as individuals or married filing jointly. Taxpayers should also be 25 years old or more but should not be over 65 years old. Despite the eligibility of low to moderate income earners for the EITC, there are still other factors for consideration like the filing status, variation of income and the number of qualifying dependents that affect eligibility. 

Self-employed individuals are also qualified

One of the misconceptions of people when it comes to EITC is that only employees are qualified. But the truth is, even the self-employed ones are eligible. The IRS considers all income that is earned for the credit. The factors considered in this aspect are tips, wages, salaries, long-term disability benefits, net earnings, and gross income.

Investment income may lead to disqualification

If you have other income aside from your regular work like investment income, you may not be qualified for EITC. This only applies when your investment income is greater than 3,600 dollars every year. Investment incomes also include dividends, stocks, inheritance and rental properties.

Changes in Eligibility

Taxpayers must be aware that the EITC eligibility may change every year. Some of the factors that might affect your qualification include change in marital status, new job, employment situation, unemployment etc. Thus, always check on some tax preparation Roseville tips to be informed.