California Asks Residents To Rat Out Neighbors With Out-Of-State Car Registrations

cheatersWhen you move to California from another state, the law only provides you a few weeks to register your car in California. But between the dread of dealing with bureaucrats and the state's high registration fees, some drivers are perfectly content with just keeping those out-of-state tags on their vehicles. But authorities in California are [...]

Source: http://consumerist.com/2012/08/california-asks-residents-to-rat-out-neighbors-with-out-of-state-car-registrations.html

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Build Credit Without Credit: Your Top 3 Questions Answered

Some people seem to believe that the credit score is almost as important as oxygen and water. Most of that stems from the fact that we?ve been beaten over the head with the importance of the credit score since we first learned the difference between a $10 bill and a $5 bill.

But it?s simply not true. Can you really live without a credit score? Absolutely?and it?s actually easier than you?d think. It just takes some foresight, planning and maybe a little patience.

The credit score myth is tangled up in almost every part of our financial lives, but there are a few areas that seem to come up over and over again. So, here are the top three questions we get about how to live without a credit score:

How do I rent an apartment?

Most apartments will work with you if you can provide first and last month?s rent, as well as a security deposit. Ask them up front about their process and what type of information they?ll need. If they want a credit score and you don?t have one, simply tell them that you?ve never gone into debt and you use cash. Get a rental history referral from your previous landlord. If it?s your first time renting, you might have to look around for a little bit. But you?ll be able to find someone to work with you.

How do I take out a mortgage?

If you don?t have a credit score, you should focus on one thing?making sure you have a large down payment. If you?ve never gone into debt, that shouldn?t be too difficult, right? Without a credit score, the down payment, as well as your job and how long you?ve been employed in that line of work, are big factors.

You?ll also want an outstanding history of rental and utility payments. Look for a mortgage company that uses a process called manual underwriting, sometimes called ?non-traditional credit? or ?no credit score? lending. And whatever you do, don?t buy a house until you?re ready. That means you?re out of debt, you have a 3?6-month emergency fund, and you have a good down payment. Of course, you could always just pay cash for a house!

What if an employer wants to see my credit score during the interview process?

This is a growing trend, but it mainly affects people in the financial industry?banks, mortgage brokers, investment companies and so on. Again, the key here is to learn their process up front and explain why you don?t have a credit score if they ask you about it.

Remember, these answers only apply if you have no credit score. If you have a bad credit score, that?s a different situation entirely.

For renting, offer to put an extra month down if you are getting resistance from the property manager because of a bad score. For a mortgage, be patient, rent for a while, and save up even more to put into a down payment.

Our culture will tell you otherwise, but it is possible to live without a credit score. Sure, sometimes it might be annoying because of the way so many people have become addicted to the credit score. But seriously, it will never be as annoying as having a huge pile of debt!

Tired of putting up with FICO? Have you considered how different your life story could be without it? Check out these stories from people like you who are changing their lives by making the decision to live without debt!

How are you proving your financial credibility without utilizing debt? Tell us your experiences with the situations mentioned above.

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Source: http://www.daveramsey.com/article/build-credit-without-credit/lifeandmoney_creditcards

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How China And Japan Are Slashing Their Dependence On The US Dollar [Infographic]

The United States enjoys the dollar's status as the world's international reserve currency. Plenty of countries provide demand for dollars because they are needed to settle important international transactions like oil shipments between nations.

However, this is starting to change, and down the road, the U.S. could lose its exorbitant privilege. OANDA put together a great infographic on how two of the world's largest economies, China and Japan, have decided to bypass the dollar altogether and exchange their currencies directly, without the U.S. as the middleman.

Bypassing the dollar infographic

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Source: http://feedproxy.google.com/~r/businessinsider/~3/cmNyFouAXaY/china-japan-us-dollar-infographic-2012-8

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Why Olympic Athletes Have So Much Sex During The Games

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From U.S. swimmer Ryan Lochte telling ESPN that 70 to 75 percent of Olympians have sex during the Games, to the controversy that ensued when an Australian brand of condoms was distributed along with those of official sponsor Durex, sex was certainly at the forefront of the London Olympic Games. 

While Olympians certainly showed off their incredibly fit bodies during performances, the athletes were compelled to copulation by something even stronger than looks, experts say.

People are more likely to have sex when they're out of town, and are also more sexually attracted to others who are working toward the same goals, said Dr. Virginia A. Sadock, a clinical professor of psychiatry at New York University's Langone Medical Center. Both of these motivations may have prompted Olympians to have sex during the Games, she said.

"People away from their home environment tend to be a little more free, sexually," Sadock said, pointing out that significant others may be far away and out of mind. Additionally, leaving home often results in losing the stresses of daily life, which is why couples often report better sex when on vacation, she said.

Condoms have been provided at the Olympics since 1992, and this year, Durex sent 150,000 to the Olympic Village — enough for each athlete to have sex 15 times during the Games.

While leaving town is an important step toward sexual freedom, Olympians also all have something critical in common — they have worked for years, and many for their whole lives, to get to the Games. This creates an automatic bond between individuals, not to mention an easy conversation starter, Sadock said.

Working on a common goal often brings people together, even sexually, Sadock said.

"How many affairs go on when people are working on films?" she asked. A movie set can have an atmosphere similar to that of the Olympic Village — a lot of very attractive people are living in slightly isolated quarters, and all are working toward the same objective, Sadock said.

However, this "intense environment may not last beyond the project," she said.

Even those of us who have neither movie-star looks nor Olympian athleticism may find ourselves in similar environments, she said. A business or academic conference, or even a situation such as taking school entrance exams or graduation exams can provide a similar backdrop for getting busy.

"You've never seen each other before, and you're all going through the same thing," Sadock said.

Of course, the ripped bodies, youth and beauty of the athletes may also have something to do with it, she said.

"I'm very glad they're into safe sex," she added.

Pass it on: People who are away from home may be more sexual, and people who work toward common goals may be more sexually attracted to each other.

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Source: http://feedproxy.google.com/~r/businessinsider/~3/toTxcoXtdWI/why-olympians-were-having-so-much-sex-this-year-2012-8

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Things Should Be Aware Of With Regards To Debt Consolidation Reduction Lending Options

At this time, most of us inhabit a good fast-paced, high-technology environment where all sorts of things comes and goes when rapid as being a blink of total eye. Right from e-mails that will messengers that will cards, these items realestatehomesbcseem to be whatever you call now when necessities. Even now, we quite often lose [...]

The post Things Should Be Aware Of With Regards To Debt Consolidation Reduction Lending Options appeared first on legal debt help online.

Source: http://www.legaldebthelponline.com/2012/07/02/things-should-be-aware-of-with-regards-to-debt-consolidation-reduction-lending-options/

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Court Says Cops Can Track GPS Signal Data On Pay-As-You-Go Phones Without A Warrant

phoneyakkingTo anyone who's a fan of the TV show The Wire (and if you haven't seen, it you should, even if just to get your friends to stop bugging you about it) the idea of throwaway phones or "burners" is a familiar one. If you're up to no good, a phone you can toss is [...]

Source: http://consumerist.com/2012/08/court-says-cops-can-track-gps-signal-data-on-pay-as-you-go-phones-without-a-warrant.html

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Fighting Unsecured Debt * The Top Methods Of Take Away A Person?s Unsecured Debt

When we finally contend with a aftereffects and then tension connected with pacificdebt.com|pacificdebt consolidation|pacificdebt|pacificdebt loansfinancial obligation, we’re feeling rather by itself and sometimes displaced. Really a lot more people contend with this approach exact predicament when compared with some of us discover, along with realism, we aren’t by itself in the least. You’re able to [...]

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Source: http://www.legaldebthelponline.com/2012/07/01/fighting-unsecured-debt-the-top-methods-of-take-away-a-persons-unsecured-debt/

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