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Browse Pubs in Hertfordshire featuring photos, videos, special offers and testimonials to help you choose the right local Pubs for you.
2nd Floor 66-68 The Parade, Watford, WD17 1AH
Watford's newest nightclub - Popworld is a late-night bar with a difference. We play all of the cheesy pop tunes customers want to...
Hexton, Hitchin, Hertfordshire, SG5 3JB
Situated in a picturesque village on the border of North Hertfordshire and Mid Bedfordshire, The Raven is a beautiful traditional...
Bar Snacks, Beer Garden, Childrens Play Area, Country Pub, Dining Out, Food Served All Day Every Day, Outside Dining, Pub Food, The Raven, VILLAGE PUBS
103 Victoria Street, St Albans, Hertfordshire, AL1 3TJ
The Victoria in St Albans offers a fantastic selection of pub entertainment for you to enjoy. We aim to bring you mouth-watering...
Bars & Wine Bars -> Pub Restaurants
Kitters Green, Abbots Langley, Hertfordshire, WD5 0ET
Millbridge, Hertford, Hertfordshire, SG14 1PZ
11 Stamford Road, Watford, Hertfordshire, WD17 4QS
44 High Street, Watford, Hertfordshire, WD17 2BS
London Road, Hemel Hempstead, Hertfordshire, HP1 2RH
207 High Street, Waltham Cross, Hertfordshire, EN8 7AY
97 Cambridge Road, Hitchin, Hertfordshire, SG4 0JH
65 Watton Road, Ware, Hertfordshire, SG12 0AD
46 Puller Road, Boxmoor, Hemel Hempstead, Hertfordshire, HP1 1QN
8 High Street, Hitchin, Hertfordshire, SG5 1BH
Hollybush Lane, Welwyn Garden City, Hertfordshire, AL7 4JJ
4 Theobald Street, Borehamwood, Hertfordshire, WD6 4SE
Studio Way, Borehamwood, Hertfordshire, WD6 5JY
102 Norton Road, Letchworth Garden City, Hertfordshire, SG6 1AG
43-45 Verulam Road, St. Albans, Hertfordshire, AL3 4DG
56 High Street, Royston, Hertfordshire, SG8 9AW
A coaching inn in the eighteenth century with stabling for over 100 horses, The Old Bull Inn is the oldest hostelry in Royston. ...
33 Bucklersbury, Hitchin, Hertfordshire, SG5 1BG
Cranborne Parade, Mutton Lane, Potters Bar, Hertfordshire, EN6 3BA
34 Church Street, Rickmansworth, Hertfordshire, WD3 1DJ
Pilgrims Row, Westmill, Buntingford, Hertfordshire, SG9 9LQ
17 High Wych Road, Sawbridgeworth, Hertfordshire, CM21 0AY
Rabley Heath Lodge, Rabley Heath, Welwyn, Hertfordshire, AL6 9UB
78 South Street, BISHOP'S STORTFORD, Hertfordshire, CM23 3BG
This pub has burnt down and is not operating....
Little Gaddesden, Little Gaddesden, Berkhamsted, Hertfordshire, HP4 1PD
49-53 Kneesworth Street, Royston, Hertfordshire, SG8 5AQ
22 The Wynd, Letchworth Garden City, Hertfordshire, SG6 3EN
Unit 63a The Galleria, Comet Way, Hatfield, Hertfordshire, AL10 0XR
Wareside, Ware, SG12 7QX
Sue and her team are excited to welcome you to the White Horse Free House a family friendly pub/restaurant nestled in the village...
Traditional Pub, Pub Food, Greek Cuisine, Real Ales, Family Friendly Pub, Events, Home Cooked Food
Ganwick Corner, Barnet Road, Barnet, EN5 4SG
We've recently put a lot of effort into bringing the Duke of York back to its roots as a classic pub restaurant: you'll find good...


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The number of accountants in the workforce correlates with a country's ranking in Transparency International corruption perception index
This correlation is up to three times stronger in G20, according to the study called The Accountancy Profession—Playing a Positive Role in Tackling Corruption.
IFAC CEO Fayez Choudhury said: "The accountancy profession is a crucial part of strong national governance architectures that confront corruption, in partnership with good government and strong businesses. And vitally, the study shows professional ethics, education, and oversight – at the core of the global accountancy profession – are key to the profession's positive impact in tackling corruption."The IFAC study can be accessed here.
Other Latest News
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Top Content
Addressing tax challenges and the digitisation of the economy
As the economy becomes even more globalised through digital sources, the tax systems currently in place need to be scrutinised to examine whether they are still fit for current and emerging business models. Joe Pickard reports on the OECD's approach to this issue.read more
Primary financial statements: a game changer in reporting?
International Accounting Standards Board chair Hans Hoogervorst delivered a speech at the Seminario International sobre NIIF y NIF, organised by the Consejo Mexicano de Normas de Información Financiera in Mexico. The Accountant presents the highlights.read more
FASB readies standards for the netflix generation
The US Financial Accounting Standards Board (FASB) has updated its accounting standard for entertainment, with a specific eye on keeping up to date with how episodic content, such as television programmes, is consumed in the modern world. Jonathan Minter reports.read more
Brexit: why it takes two to tango
Former TA editor Vincent Huck, now editor of Insurance Asset Risk, looks at why Brexit might unleash geopolitical intrigue in Europe's accounting standard-setting scene – and why IFRS 17 will be an incredible source of opportunity for firms in the coming years.read more

subset: commoncrawl


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Everyone wants to know what their future holds and more than anything else; people tend to want to know what their love life has in store for them. Whether they are in a new relationship, they are finding their relationship with their long-term partner is going a bit stale, or they are single and looking for the love of their life; there's a reason we all want to know what's going to happen.
The Minor Arcana (lesser secrets) consists of 56 cards, divided into four suits of 14 cards each; ten numbered cards and four court cards. The court cards are the King, Queen, Knight and Page/Jack, in each of the four tarot suits. The traditional Italian tarot suits are swords, batons, coins and cups; in modern occult tarot decks, however, the batons suit is often called wands, rods or staves, while the coins suit is often called pentacles or disks.
The benefits of love readings and love tarot readings are invaluable and can help you get out of a bad relationship and into the one that will last for the rest of your life. Or, at the very least, a love psychic reading will give you ways to move forward and find the type of romance you're looking for. This makes Love Psychics one of the most viable go-to sources when it comes to intimacy and romance.
Additional Tarot Definitions are still available. For those of you who have studied tarot yourself or are simply after further detailed analysis of each card. The wonderful soul Avia Venefica from Tarot Teachings has graciously donated her interpretations. All brought to life by the exquisite tarot cards provided by Aquatic Tarot and Ciro Marchetti
In 1925, Samuel Soal claimed to have taken part in a series of séances with the medium Blanche Cooper who contacted the spirit of a soldier Gordon Davis and revealed the house that he had lived in. Researchers later discovered fraud as the séances had taken place in 1922, not 1925. The magician and paranormal investigator Bob Couttie revealed that Davis was alive, Soal lived close to him and had altered the records of the sittings after checking out the house. Soal's co-workers knew that he had fiddled the results but were kept quiet with threats of libel suits.[142]
The most powerful way to read the Tarot is to use the cards to access your intuition and your inner wisdom. The imagery in the cards give you instant access to your subconscious mind and your intuition. And from this place of inner power and wisdom, you can discover how to make positive changes now so you can manifest your goals and your dreams in the future.
In your own life, you may find yourself wildly attracted to someone and then something can happen that changes the way that you feel about them and you can decide that they aren't the one for you after all. Along with that, the decisions that you make and the actions that you take on a daily basis change the course of future events. The same rules apply to them.
The major arcana (trump cards) represent your journey through life, starting out as the innocent and carefree card representing The Fool (at number 0), and going through all your stages of life until you get to The World (at number 21). Each of the trump cards represents an important issue in your life and asks that you pay particular attention to this situation.
After drawing your cards, revisit your initial question to ensure that it has been addressed properly. A good tarot guide can help you interpret the images you see on the tarot cards, but there's really no substitute for personal reflection. As with any skill, practice makes perfect, so use this tarot tool often (daily, if possible), or order a set of Astrology Answers Master Deck Tarot Cards and practice at home!
Circo says: "This deck is based on my first deck the Gilded Tarot, but is a complete working of that original deck, every images was redone. So i regard it as a separate entity. It is not cheap, its US $110, that is because its special edition and aimed at collectors, every deck is signed, every deck is also unique. I produced variations in colour on several cards, and then selected those variables randomly while collating each deck. The result is that each deck has its own combination of the 78 cards, I think statistically there is a 1 in 7000 chance that two decks the same. A quantity that far more than the number I printed…" There is also a link to a promotional video on the cards YouTube
Anthon uses extra-sensory perception (ESP), also known as the clair senses or the psychic senses, to receive information about your relationships with the people in your life, which he then interprets in order to offer spiritual guidance, advice and predictions for the future. The aim is to help you make better relationships choices and decisions, improve the quality of your love life, empower you with the truth, offer you deeper insight into the thoughts and feelings of your partner, increase your chances of romantic success, happiness and fulfillment, and avoid unnecessary negative events and outcomes.
In 1910 at a séance in Grenoble, France the apport medium Charles Bailey produced two live birds in the séance room. Bailey was unaware that the dealer he had bought the birds from was present in the séance and he was exposed as a fraud.[111] The psychical researcher Eric Dingwall observed the medium Bert Reese in New York and claimed to have discovered his billet reading tricks.[112] The most detailed account at exposing his tricks (with diagrams) was by the magician Theodore Annemann.[113]
Every month I give Intuition Circles which are an excellent chance for you to meet like minded souls and learn to open your intuitive abilities in a safe environment. We meditate, share, and do exercises to show you just how intuitive you already are. Many people become friends out of these circles and it is my intention to create a community of intuitives !
Mary-Anne is a professional Spiritual Medium, Published Author, Spiritual Educator, and TV Personality located just outside of Toronto, Ontario. Mary-Anne is one of Canada's top Spiritual Mediums who is highly sought after for her work in both mediumship readings and spiritual teaching. With compelling accuracy, she brings forward evidence - proof - that your loved ones still exist. Her connection and messages from heaven are rich with hea
Psychic Joy specializes in love and relationship psychic readings. With little to no information, Joy will reveal the truth about any situation with absolute clarity. She often communicates with angels and spirit guides during her psychic readings, and can get names, dates, times, places. She is also a psychic medium who is able to communicate clearly with deceased loved ones and offer messages of comfort and accuracy to those who are seeking closure and understanding.
Telephone readings are live readings where both psychic and client hear each other by connecting via premium rate telephone line. In the last years, with restrictions on premium rate numbers, more common are pre-paid callbacks, in which case client leaves his/her credit card details over the phone to an operator, after which gets a call on a specified phone number. Telephone readings became most popular with the growth of live advice TV shows as main means of advertising, and is commonly used by companies rather than individual psychics, due to high setup costs.[citation needed]
The VERITAS Research Program of the Laboratory for Advances in Consciousness and Health in the Department of Psychology at the University of Arizona, run by the parapsychologist Gary Schwartz, was created primarily to test the hypothesis that the consciousness (or identity) of a person survives physical death.[186] Schwartz claimed his experiments were indicative of survival, but do not yet provide conclusive proof.[187][188] The experiments described by Schwartz have received criticism from the scientific community for being inadequately designed and using poor controls.[189][190]
Telephone readings are live readings where both psychic and client hear each other by connecting via premium rate telephone line. In the last years, with restrictions on premium rate numbers, more common are pre-paid callbacks, in which case client leaves his/her credit card details over the phone to an operator, after which gets a call on a specified phone number. Telephone readings became most popular with the growth of live advice TV shows as main means of advertising, and is commonly used by companies rather than individual psychics, due to high setup costs.[citation needed]
Because the earliest tarot cards were hand-painted, the number of the decks produced is thought to have been small. It was only after the invention of the printing press that mass production of cards became possible. The expansion of tarot outside of Italy, first to France and Switzerland, occurred during the Italian Wars. The most important tarot pattern used in these two countries was the Tarot of Marseilles of Milanese origin.[1]
The fraudulent medium Ronald Edwin confessed he had duped his séance sitters and revealed the fraudulent methods he had used in his book Clock Without Hands (1955).[164] The psychical researcher Tony Cornell investigated the mediumship of Alec Harris in 1955. During the séance "spirit" materializations emerged from a cabinet and walked around the room. Cornell wrote that a stomach rumble, nicotine smelling breath and a pulse gave it away that all the spirit figures were in fact Harris and that he had dressed up as each one behind the cabinet.[165]
Just as in any profession, mediums have specialties and areas of expertise. Unlike Allison Dubois in Medium, I don't work with the police in solving crimes. Or, unlike Melinda Gordon in The Ghost Whisperer, I don't help tormented souls cross over. Over the years, it has become very clear that my job lies in working with souls who have happily crossed over to the other side and, for the most part, are at peace. Sure, they may have regrets or unresolved issues, but they're not haunted or lost. Oftentimes, it's the living that are not at peace. The main goal of your deceased loved ones and spirit guides is to assist you in moving on, free of grief and struggle, so you can fulfill your life lessons and enjoy your time here on earth.
Scientists who study anomalistic psychology consider mediumship to be the result of fraud and psychological factors. Research from psychology for over a hundred years suggests that where there is not fraud, mediumship and Spiritualist practices can be explained by hypnotism, magical thinking and suggestion.[41][42] Trance mediumship, which according to Spiritualists is caused by discarnate spirits speaking through the medium, can be explained by dissociative identity disorder.[43]
A former skeptic & private investigator, Bob Olson has been an Afterlife Investigator & Psychic Medium Researcher since 1999. In his search for evidence of the afterlife, Bob has tested hundreds of psychics, mediums & other afterlife-related practitioners. Bob is the host of AFTERLIFE TV, founder of BEST PSYCHIC DIRECTORY and BEST PSYCHIC MEDIUMS, and offers his PSYCHIC MEDIUM WORKSHOP to help psychics and mediums improve their abilities and business. Visit Bob on AFTERLIFE TV's FACEBOOK page & on TWITTER. And don't miss Bob's new book titled ANSWERS ABOUT THE AFTERLIFE.
Welcome, cosmic warriors. I'm Aliza Kelly Faragher, Allure's resident astrologer, and this is Aliza's Allure Astrology, a column dedicated to astrology, esotericism, and all things magick. (That's not to be confused with magic, which has more to do with entertainment — think pulling rabbits out of hats — than inner growth.) In each installation, I'm taking a closer look at an otherworldly subject, exploring both important celestial events and time-honored traditions of the occult. Today, we're getting acquainted with the ancient art of taromancy, or divination through the use of tarot cards.
Donna Hartt - One of Canada's Rising Stars, Donna wants nothing more than to "be the change" she wishes to see in the world. Her aim is to help you: - Come to know within yourself that the Other Side truly exists by connecting you with loved ones - Come to a deeper understanding of self through Intuitive Coaching - Work through challenges - Create a life you love - Discover and follow your passion From a young age, Donna recognized
Do you have a question about your relationship? Do you need to make a decision whether it is worth your time to hang in or to seek closure? Want to know if there will be a reconnection? Mandy is an empathic love reader who specializes in the emotional psycho-dynamics within a relationship. She digs into people's thoughts and intentions, seeing what is beneath the surface that others cannot see for themselves. She strengthened her intuitive abilit
Speaking of readings, the first thing to know is that there actually are two different types of Tarot readings: question readings and open readings. In question readings, you are addressing a specific question. Tarot is not intended to answer specific yes or no questions. Most say it also shouldn't be used to make decisions, but instead should be used as a guide to help you make the decision yourself. For this reason, the way a question is stated is very important. Tarot reader and teacher Joan Bunning gives this advice:
Many are unaware of how they attract partners in relationships, the core fears and emotional issues that show up in the relationship, and why these relationships usually don't work out and are short lived. They continue to attract the same kind of partner or repeat relationship patterns and are not sure as to why. Couples may hit a road block in their relationship and feel as if there is a breakdown in communication, the love and passion is gone, or their emotional needs are not being met. They may even feel as if the relationship may be over and are seeking clarity so they can bring the harmony back into the relationship.
This card predicts that you will have a lot to do, many projects running at the same time and you manage it well. Change is on the way and you're able to adapt and balance at the same time. A change in your financial situation and you need to find stability and balance again. You feel that you're alive and kicking, having some fun. In a relationship this card predicts a fun and exciting time. If you're single this is a time when you're not very serious but play around for a while. In matters of work you seem to have your hands full but you manage to balance it well.
Donna Hartt - One of Canada's Rising Stars, Donna wants nothing more than to "be the change" she wishes to see in the world. Her aim is to help you: - Come to know within yourself that the Other Side truly exists by connecting you with loved ones - Come to a deeper understanding of self through Intuitive Coaching - Work through challenges - Create a life you love - Discover and follow your passion From a young age, Donna recognized
Keep your options open: If you have the answer before the reading, then you're not allowing the cards to guide your overall decision. Bunning offers this example: Asking how you could encourage your mother-in-law to move out, as opposed to asking how you can get along better with her, is narrowing the scope of the true question by answering it before you even get started.
^ Brian Righi. (2008). Ghosts, Apparitions and Poltergeists: An Exploration of the Supernatural through History. Llewellyn Publications. Llewellyn Publications. p. 52. ISBN 978-0-7387-1363-2 "One medium of the 1920s, Mina Crandon, became famous for producing ectoplasm during her sittings. At the height of the séance, she was even able to produce a tiny ectoplasmic hand from her navel, which waved about in the darkness. Her career ended when Harvard biologists were able to examine the tiny hand and found it to be nothing more than a carved piece of animal liver."
Illusionists, such as Joseph Rinn have staged 'fake' séances in which the sitters have claimed to have observed genuine supernatural phenomena.[44] Albert Moll studied the psychology of séance sitters. According to (Wolffram, 2012) "[Moll] argued that the hypnotic atmosphere of the darkened séance room and the suggestive effect of the experimenters' social and scientific prestige could be used to explain why seemingly rational people vouchsafed occult phenomena."[45] The psychologists Leonard Zusne and Warren Jones in their book Anomalistic Psychology: A Study of Magical Thinking (1989) wrote that spirits controls are the "products of the medium's own psychological dynamics."[46]
Mary-Anne is a professional Spiritual Medium, Published Author, Spiritual Educator, and TV Personality located just outside of Toronto, Ontario. Mary-Anne is one of Canada's top Spiritual Mediums who is highly sought after for her work in both mediumship readings and spiritual teaching. With compelling accuracy, she brings forward evidence - proof - that your loved ones still exist. Her connection and messages from heaven are rich with hea
If everything is currently going well and you have a healthy relationship, your psychic reading can provide the reassurance you are looking for that your instincts are right – everything is fine. On the other hand, the reading may also alert you to a lurking issue that you will soon have to overcome in order for the intimate relationship to survive.
Aura readings involve the observation and interpretation of auras.[12] The aura is purported to be a field of subtle, luminous radiation surrounding a person.[13] Psychics have offered aura readings for many years.[citation needed] They claim to have a unique ability to see or sense individual's auras, however no evidence has ever been provided to substantiate this claim.[citation needed]
Playing cards first entered Europe in the late 14th century, most likely from Mamluk Egypt, with suits of Batons or Polo sticks (commonly known as Wands by those practicing occult or divinatory tarot), Coins (commonly known as disks, or pentacles in occult or divinatory tarot), Swords, and Cups. These suits were very similar to modern tarot divination decks and are still used in traditional Italian, Spanish and Portuguese playing card decks.[5]
Open readings address the larger aspects of your life rather than a specific problem area or question. They're usually done when you're entering a new phase of life, such as getting married, graduating from college or starting a family. You can somewhat direct the reading if you have a general area you want to cover, such as your career or health, but that's as specific as the direction gets.
^ Joseph Jastrow. (1935). Patience Worth: An Alter Ego in Wish and Wisdom: Episodes in the Vagaries of Belief. D. Appleton-Century Company. pp. 78–92. Lyon Sprague de Camp. (1966). Spirits, Stars, and Spells. New York: Canaveral. p. 247. Robert Goldenson. (1973). Mysteries of the Mind: The Drama of Human Behavior. Doubleday. pp. 44–53. Milbourne Christopher. (1970). ESP, Seers and Psychics. New York: Crowell. pp. 128–29
The word tarot and German Tarock derive from the Italian tarocchi, the origin of which is uncertain but taroch was used as a synonym for foolishness in the late 15th and early 16th centuries.[2][3] The decks were known exclusively as trionfi during the fifteenth century. The new name first appeared in Brescia around 1502 as tarocho.[4] During the 16th century, a new game played with a standard deck but sharing a very similar name (trionfa) was quickly becoming popular. This coincided with the older game being renamed tarocchi.[1] In modern Italian, the singular term is tarocco, which, as a noun, means a type of blood orange, and, as an adjective, means 'fake, counterfeit'.


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Holes In My Shoes
Directed by David Wachs
Holes In My Shoes
HOLES IN MY SHOES is the award-winning and profoundly moving story of Jack Beers. As featured on PBS, he rides three miles a day on a stationary bike, cuts down trees and can rip a telephone book into four pieces at the ripe old age of 94. But it is his long and diverse list of lifetime achievements that makes his tale so touching.
Raised in poverty, Jack went on to be a strong-man, a professional dog trainer and an actor. He helped build Radio City Music Hall, erected the Empire State Building spire, personally shortened World War II and beat life-threatening illnesses. Adding to his long list of accomplishments, Jack was recently acknowledged by New York Mayor Michael Bloomberg for his lifetime achievements.
A truly motivational and richly entertaining story, HOLES IN MY SHOES is a festival favorite that is sure to inspire people of all ages.
"Jack Beers is as legendary a New York landmark as the Empire State Building." - CBS Radio
...a beautiful love poem to New York and all her indefatigable energy." - Eben Harrell, Time Magazine art critic
Interested in bringing Holes In My Shoes to your school or library? If you'd like to have an in-class viewing, on-campus screening, or purchase the DVD for your library's collection, please contact Estelle Grosso at firstname.lastname@example.com or call (212) 629-6880 with your request.
Holes In My Shoes may also be available with Public Performance Rights (PPR) and Digital Site Licensing (DSL) for colleges and universities. To purchase the DVD with PPR or DSL, please contact Estelle Grosso at email@example.com or call (212) 629-6880. Click here to learn more at Kino Lorber Edu.
To read more about Kino Lorber Edu's terms of use and ordering information, visit Kino Lorber Edu.
RT' @evillights': Jean-Luc Godard's FIRST NAME: CARMEN Blu-ray in gorgeous new restoration out today from' @KinoLorber' featuring an audio comm…
THE GOSPEL OF EUREKA returns to NYC for #WorldPride with a screening at' @MovingImageNYC' this Saturday at 7pm with s…' https://t.co/AZdnsyDHFy'
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RT' @FilmStreams': Coming soon: DIAMANTINO, a sweet, dim-witted soccer hunk's gonzo comic odyssey! Featuring the largest stampede of giant Pe…
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A credit score ranges from 300 to 850, with the highest numbers reflecting the best risk. If your score is below 600, you will have a hard time finding lenders and loan products for which you qualify. If you have a 720 score and above, you will generally have access to the best loans and interest rates available. The world of credit scoring is a mysterious one: the formulas are a closely guarded secret and have never been made public. If you don't have a good credit score right now, you may feel helpless, not knowing what can be done to turn this situation around. There are actually a lot of things that you can do that just require a little discipline. We offer you a few tips.
Credit repair is critical to saving money on insurance, loans, and credit cards, but that's not the only reason to repair your credit. A better credit score opens up new employment opportunities, even promotions and raises with your current employer. If you dream of starting your own business or just want the security of knowing you can borrow money when you want to, you should repair your credit sooner rather than later.
Credit bureaus sell the information in your credit report to creditors, insurers, employers, and other businesses that use it to make decisions about you. If there's a lot of negative information in your report, you could have trouble getting a loan, or might have to pay more in interest. You also could be turned down for a job, insurance, or some services.
You'll use your own money as collateral by putting down a deposit, which is often about $150 – $250. Typically, the amount of your deposit will then be your credit limit. You should make one small purchase each month and then pay it off on time and in full. Once you prove you're responsible, you can get back your deposit and upgrade to a regular credit card. Read more about secured cards here.
The Citi® Secured Mastercard® requires a $200 security deposit, which is typical of secured cards and a good amount to establish your credit line. You can deposit more money if you want to receive a higher credit line, but if you don't have a lot of money available to deposit, coming up with $200 is manageable. This card doesn't have any additional card benefits like rewards or insurances, but you can access Citi's Credit Knowledge Center for financial management tips.
"The long-term benefit to your utilization can far outweigh any short-term loss of points," said Barry Paperno, a four-decade veteran of the credit industry. Paperno cautioned that you should only do this if you don't anticipate needing to apply for a car, home or personal loan in the next six to 12 months. Otherwise, those extra inquiries could hurt you.
One of the main factors that goes into your credit score is your utilization rate, or how much of your available credit you actually use. If you have an available credit line of $10,000, for example, and you carry a balance of $5,000, your utilization rate is 50%. That's not bad, but not great. Keeping your utilization rate below 30% shows lenders that you're a reliable borrower who doesn't max out your cards. A rate of 10% or less is ideal.
Just as one example, the average age of your credit accounts is a component of this category. Let's say that you have four credit cards -- one that's a year old, two that you opened three years ago, and one that you opened 10 years ago but don't use anymore. Currently, your average credit card account is 4.25 years old. If you decided to close your old and unused account, however, this average would drop to just 2.33 years and could hurt your FICO score.
Perhaps our favorite secured card, Discover it® Secured, has numerous benefits for those looking to rebound from a bad credit score. There is a $200 minimum security deposit that will become your line of credit, which is typical of secured credit cards. Your deposit is equal to your credit line, with a maximum deposit of $2,500. Additional perks include a rewards program (very rare for secured cards) that offers 2% cash back at restaurants or gas stations on up to $1,000 in combined purchases each quarter, plus 1% cash back on all other credit card purchases.
Month 1 — You have a remaining auto loan and mortgage which you make sure to pay on time every month. You have a remaining credit card from creditor five with 24% interest, but they've agreed to a payment plan of $200 a month and 17% interest. You also have one old empty credit card that you've had for years and never used. Now you start buying only groceries on that single credit card and pay it off in full twice a month.
When you find yourself with damaged credit, it's important to catch your breath and begin laying the foundation for a brighter financial future. Testing your financial literacy and educating yourself are part of that. But the centerpiece of this effort should be your emergency fund. With money saved for a rainy day, you'll be far less likely to miss payments and damage your credit if met by hefty emergency expenses.
Transitioning from a secured to an unsecured credit card: The transition from an unsecured card to a secured card is fairly simple for the cards mentioned below, with many conducting periodic reviews of your account to evaluate if you can move to an unsecured card. And, when you're transitioned to an unsecured card, you'll receive your security deposit back. Another way to be refunded the deposit is by paying off any balances and closing the card — though we don't recommend closing the account since that jeopardizes your credit score.
We agree that it is very important for individuals to be knowledgeable of their credit standing. When you have a credit-monitoring tool like freecreditscore.com on your side, you get e-mail alerts whenever there's a change in your credit score–and you can also see your credit score whenever you want. With the free credit report from the government, you only see your report once a year. If you monitor your credit score regularly, it's easier to catch inaccuracies before it's too late.
If you do not know anything about credit, you will not be sure if the company actually knows what they are doing. You will want to ask about the factors that contribute to a credit rating. Inquire about age of open credit lines, hard credit inquiries, and the percentage of on time payments. A reputable credit repair company will not only know the right answers, but also how to fix them.
Payment history accounts for the largest factor affecting your credit score. If you are behind on your payments, you won't be able to improve your credit situation. Try to bring all of your accounts up to date. If you can't afford to bring everything up to date at once, you can contact your creditors and work out a payment plan. Be up-front when you contact your creditors, explaining your situation and letting them know that you want to pay your obligation. Let your creditors know how much you can pay, and how long you expect to pay it. In many cases, it's possible to work out an arrangement that all parties can live with.
Leading up to the credit score crash — You lost your job and used credit cards to pay expenses. You are overburdened with five maxed out credit cards at $5,000 each, for a total debt load of $25,000. You stopped paying them all for six months so they've grown to $30,000 with interest included and a balance of $6,000 each. You have 100% utilization and a terrible credit score of 450. As a last resort, you take out a $14,000 loan from your 401(k) and start calling creditors to negotiate.
"The long-term benefit to your utilization can far outweigh any short-term loss of points," said Barry Paperno, a four-decade veteran of the credit industry. Paperno cautioned that you should only do this if you don't anticipate needing to apply for a car, home or personal loan in the next six to 12 months. Otherwise, those extra inquiries could hurt you.
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It's important to be careful with this step, though. If you apply for too many loans, it can damage your score. Instead, you need to plan your credit applications carefully. Start with a small installment loan. You might be able to get a small, low-balance installment loan from your bank. It might also be possible (if you are looking for a car) to get an inexpensive car from a dealer that specializes in customers with poor credit. Your small loan will probably have a relatively high interest rate, so plan to borrow a small amount, and keep the loan term short.
Self Lender, based in Austin, Texas, is designed to help consumers increase their financial health. Working in partnership with multiple banks, Self Lender offers a credit-builder account that is essentially a CD-backed installment loan. In other words, you open a CD with the bank and they extend a line of credit to you for the same amount. When you make payments, they report it to the credit bureaus.
This is the easiest way to improve your credit score quickly. One of the major factors of your credit score is how you are using your credit. A big factor of that is your credit utilization ratio. This ratio compares your overall credit limit with the amount of credit you are currently using. Say you have an overall $10,000 credit limit and are carrying a balance of $5,000 total across your credit cards, then your credit utilization ratio would be 50 percent. Most credit experts advice to keep your credit utilization ratio below 30 percent, but if you can get it to zero, it will help dramatically raise your credit score.
I would disagree with this option, as a credit analyst its my job to investigate credit and determine customer eligibility for loans etc... typically creditors do not look for a card thats been used 1 time for $15 then never used again this kind of credit is disregarded and or not taken seriously. When we look to approve a consumer we look at several factors and what that makes a large impact is how they make their payments, the balance currently on all their revolving and installments and the history of payments. if you only charge a tiny amount and pay it off its going to show no history and therefore not be a heavy influence. in fact if you can handle it it is good to sometimes charge the card near max but then pay it off super fast. yes this well temp drop score however. it will show creditor your applying for that you can handle larger amounts and that you pay them down good and fast.
The Capital One® Secured Mastercard® offers qualifying cardholders a lower security deposit compared to other secured cards. You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness. Typical secured cards require you to deposit an amount equal to your credit limit, so this card has added perks for people who qualify for the lower deposits.
Get a copy of your credit report: Knowing what is on your credit report is important – you can't fix it if you don't know exactly what is wrong. According to a recent survey by Bankrate Inc., 31% of adults do not know their own credit score. Since this is one of the main factors in a bank's decision to give you a loan or mortgage, it is a good idea to both know and understand this number. Trisha cleaned up her act and her credit report:
In general, older consumers have higher credit scores than younger generations. Credit scoring models consider consumers with longer credit histories less risky than those with short credit histories. The Silent Generation and boomers enjoy higher credit scores due to long credit histories. However, these generations show better credit behavior, too. Their revolving credit utilization rates are lower than younger generations. They are less likely to have a severely delinquent credit item on their credit report.
Credit repair refers to the process of disputing mistakes and errors in your credit reports. Each credit bureau maintains their own proprietary version of your credit report. They strive to maintain accurate information, but errors can occur. Credit repair is the process you use to correct those errors by submitting a dispute to the credit bureau that issued that report. If the information cannot be verified within 30 days, the credit bureau must remove the item you disputed.
Sky Blue Credit promises to clean up errors on your credit report and improve your credit score, and our research indicates they deliver well on that promise. The customer reviews for Sky Blue Credit are extremely positive, and their A+ rating from the Better Business Bureau reflects that. Their service claims to dispute 15 items (5 per bureau) every 35 days, ensuring one of the fastest working services available. Free consultations are available.
If you're the parent of a teenager, you might wonder if now is the right time to help them open a credit card. It can be hard to decide if they're ready to take on the responsibility that comes with having a credit card since you need to trust that your teen has the restraint to limit spending and pay on time. Generally, we recommend introducing your teen to credit as soon as you can since credit is such a large part of life as an adult — you need credit to take out loans, apply for a mortgage and even make certain purchases. Plus, it's important for your teenager to learn how to manage credit responsibly so they can build good credit.
Only a portion of the people looking for information about how to fix their credit realize how close to the truth they really are. Even though they may only be looking for a way to raise their credit scores, the fact of the matter is that in many cases, they are actually in need of fixing something that is broken. The credit system in this country is far from perfect and because of it, millions of Americans have credit scores that are not accurate assessments of their credit risk. In a word, their credit score is broken. Fixing their credit is exactly what they need to do.
Maybe you have never seen your credit score or haven't seen it recently. If this is the case, you should get it immediately. The score that your lenders use when deciding whether to give you credit is called your FICO score. The only way you can get it is on the site www.myfico.com where you will either have to pay $19.95 or sign up for a free trial of the company's Score Watch program in which case you will get it free. However, there are other options. The site www.CreditKarma.com will give you your credit score free but it won't be your true FICO score. This includes your credit score, a way to monitor your credit health, plus the ability to track your progress against your credit goals. It's also possible to get your credit score from the three credit reporting bureaus – Experian, Equifax and TransUnion – though you may have to jump through some hoops in order to get it free. And again, this will not be your true FICO score.
The Citi® Secured Mastercard® requires a $200 security deposit, which is typical of secured cards and a good amount to establish your credit line. You can deposit more money if you want to receive a higher credit line, but if you don't have a lot of money available to deposit, coming up with $200 is manageable. This card doesn't have any additional card benefits like rewards or insurances, but you can access Citi's Credit Knowledge Center for financial management tips.
Amount of Debt: Debt contributes 30% to a FICO Score's calculation and can be easier to clean up than payment history, according to FICO's website. (It weighs heavily on other credit scoring models, too.) That's because if you currently have five maxed out credit cards, creditors worry whether you'll be able to take on more credit and whether they'll get paid back first or if your other creditors will.


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Headhunterz wins DJ Mag Top 100 DJs highest hard DJ
Headhunterz has won the highest hard award in DJ Mag Top 100 DJs 2017 poll, marking his return to the genre by landing 33rd overall in the rankings.
Walking a fine line between creative freedom and success, the Dutch DJ and producer (real name: Willem Rebergen) has struggled to find the right balance in recent years.
KSHMR wins DJ Mag Top 100 DJs 2017 highest AV act
KSHMR has won the highest audio-visual act award at the DJ Mag Top 100 DJs 2017 ceremony after landing 12th overall in the chart.
The US producer has had quite the few years since his first release, 'Megalodon', catapulted him into the spotlight. Breaking into the Top 100 DJs 2015 list in serious style, debuting at No.23, he hasn't looked back since.
Alan Walker revealed as DJ Mag Top 100 DJs 2017's highest climber
Alan Walker is officially the highest climber in the DJ Mag Top 100 DJs 2017 poll after climbing 38 places up to the number 17 slot.
If 2016 was the year 20-year-old Alan Walker truly exploded into the EDM premier league, 2017 has been the year he's settled into his role as a next-gen ambassador.
Martin Garrix offers 5-minute melody writing tutorial: WATCH
Martin Garrix and Matisse & Sadko's collaboration will finally be released
Martin Garrix and Matisse & Sadko's latest collaboration will finally be released, and fans only have to wait until this Friday, 20th October, to get their hands on the wares.
The track, 'Forever', has been a regular fixture in Garrix's sets over the summer, hence the hype surrounding when it would finally be made available. It's the fourth time he has teamed up with Matisse & Sadko.
Zedd's Echo Tour kicks off: WATCH
Zedd's Echo Tour kicked off at the end of September, with the opening night in Vancouver. Since then, the EDM pin up has hit Seattle, San Francisco, Chicago and Boston, and we've got the video evidence to prove he knows how to put on a show.
Official footage from Chicago's Aragon Ballroom has been released online, giving fans an opportunity to watch 90minutes of roof-raising sounds, lights, and atmosphere. Think the euphoria of his remix of Magic's 'Rude' descending into tough driving hoovers and an array of lasers, and you're in the right ball park.
Will Smith reveals he's got 30 songs ready with Jazzy Jeff: LISTEN
Will Smith has revealed he's got 30 new songs ready with his long-standing musical collaborator, DJ Jazzy Jeff.
Poll 2017: VINAI
VINAI is an Italian EDM project consisting of two brothers, Alessandro and Andrea Vinai. After forming in 2011, they came to prominence in 2012 courtesy of a string of well-received remixes for the likes of LMFAO (for whom they put a new spin on ubiquitous chart-topper 'Sexy & I Know It') as well as the queen diva of pop, Nicki Minaj.
Further remixes followed for the likes of Steve Aoki, David Guetta, The Chainsmokers and Dimitri Vegas & Like Mike, and as you'd imagine from a roll-call like that, the guys are very much hot property when it comes to EDM.
Remixes aside, VINAI also possess the Midas touch when it comes to their originals. Tracks such as 'Bounce Generation' and 'Legend' are proof of the fact, but it was barnstorming appearances at Tomorrowland and Ultra Music Festival that really set the guys on the course to greatness and cemented their place at EDM's top table. So where do the guys conjure up all the "crazy energy" they bring to their sets and productions? It just comes from our "crazy minds", says Alessandro. We don't doubt that one bit.
Questions Top100 DJs 2004 - Jon Dommett - 2017-10-17 10:52
WIll Smith's EDM song 'Get Lit' gets full release
Although he's better known for his movies these days, it's worth remembering that Will Smith has also enjoyed a stellar career in music, with a string of hits to his name such as "Just The Two of Us", "Wild Wild West" and the feel-good classic that is "Summertime".
Now that he's conquered Hollywood, it seems the Men in Black star is intent on returning to music, with the EDM scene his destination of choice. And so it is that we've been introduced to his new track, 'Get Lit', a big-room collaboration with Jazzy Jeff that's unlikely to go down in the history books...
Diplo stars in mix for Radio 1
U.S. DJ superstar Diplo returned to his BBC Radio 1 slot over the weekend with another session full of musical gems.
The Mad Decent boss and sometime Major Lazer and Jack Ü man's shows are always filled to the brim with exciting music, and his latest was a case in point.


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Much anticipated Redmi K20 Pro is finally launched in China. It is expected to launch in India very soon. Top notch hardware specifications with aggressive pricing is the key attraction of this device. In this post, we will cover some of the impressive features of Redmi K20 Pro.
China price of Redmi K20 Pro is 2499 Yuan for the base variant. This is approximately INR 25,000. Redmi officially not disclosed the Redmi K20 Pro price in India. However, taking clue from China pricing, it is expected to priced around 25k in India for the base variant. If that is the case, it will give tough competition to OnePlus 7 Pro and Asus 6z.
Redmi K20 Pro- 6 Key Features
Qualcomm Snapdragon 855 SoC
The new Redmi K20 Pro comes with Snapdragon 855 SoC. This is the same SoC used on OnePlus 7 Pro, Asus 6Z etc. At the launch event, company revealed Antutu benchmark score of 388,803.
Upto 8GB of RAM and 256GB of internal storage
Redmi K20 Pro comes in 4 variants. 6GB RAM and 64GB storage, 6GB RAM / 128GB storage, 8GB RAM and 128GB, 8GB RAM and 256GB storage.
Notch Less Display Panel
The new flagship from Redmi comes with a 6.39-inch Super AMOLED notch-less display with a screen resolution of 1080 x 2340 pixels. This is the first phone to feature notch less display from Redmi smartphones in India. It also has DC dimming feature which will reduce the screen flickering issues.
In-Display fingerprint scanner
This is another first for a Redmi smartphone in India. Redmi K20 pro comes with an optical in-display fingerprint scanner. We have very few smartphones which has in-display fingerprint scanner in a sub 20k price rage.
Pop-up Selfie Camera
Redmi K20 Pro will have 20MP pop up sensor camera with AI-powered modes and features. In the rear it has triple camera setup. It has Sony 48MP IMX 586 as its primary sensor coupled with a secondary 13MP secondary ultrawide lens and a third 8MP telephoto lens.
Fast Charging Support
This new Redmi Flagship smartphone houses 4000 mAh battery with fast charging technology supporting upto 27W.
Redmi K20 Pro Chinese variant has all the features of a flagship at least on paper. If Xiaomi releases the phone with aggressive pricing relatively equivalent to Chinese pricing, then it will be a great value for money.


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2018 Cadillac ATS Sedan 2.0L Standard RWD Sedan powered by 2.0-liter Inline-4 Gas Engine with 8-Speed Automatic transmission.
includes (VAV) Premium all-weather floor mats, LPO and (VLI) Premium all-weather cargo mat, LPO (Not available with (PCN) Summer/Winter Mat Package, LPO.) All-Weather Mat Protection Package Premium all-weather floor mats Premium all-weather cargo mat
includes battery tender, plug-in cord, 110V and carrying case with logo. (Included with (PDB) Winter Protection Package, LPO. Not available separately with (PDB) Winter Protection Package, LPO.) Battery Protection Package Battery tender Plug-in cord 110V Carrying case with logo Included with Winter Protection Package
includes (RXE) Catback exhaust system, LPO and (VYX) V-Sport logo engine cover, LPO. *GROSS* Performance Exhaust and Engine Cover Package Catback exhaust system V-Sport logo engine cover
includes (VAV) Premium all-weather floor mats, LPO and (VYW) Premium carpeted floor mats, LPO. (Not available with (PDH) All-Weather Mat Protection Package, LPO.) Summer/Winter Mat Package A set of front and rear Premium all-weather floor mats that are ribbed to help guard against the elements A set of front and rear Premium carpeted floor mats with a high-quality carpeted surface that matches your vehicle's interior ATS logo on both sets of mats
includes (XBZ) 18" summer-only, run-flat tires, LPO, (SPN) 18" alloy wheels, LPO and performance suspension (Do not use summer only tires in winter conditions, as it would adversely affect vehicle safety, performance and durability. Use only GM-approved tire and wheel combinations. Unapproved combinations may change the vehicle's performance characteristics. Lower profile tires damage more easily; especially on rough roads. Damage is not covered under warranty. For important tire and wheel information, go to my.cadillac.com/learnAbout/cadillactires or see your dealer.)
includes (VRU) vehicle cover, LPO and (5WF) Battery Protection Package, LPO Winter Protection Package Vehicle cover Battery Protection Package, includes battery tender, plug-in cord, 110V and carrying case with logo
includes standard equipment
includes (CF5) power sunroof and (RIF) 17" polished alloy wheels Sky and Shine Package Power sunroof 17" polished alloy wheels