Let's face it, most of us who have bad credit probably never expected themselves to have bad credit. Maybe it's some life-changing event like a car accident, getting laid off, or losing one's investment that makes a person's credit sink deep into the hole. I've been there, many people have been there, and you probably have been there too.
When I started college years ago, I got my first credit card and a decent parttime job. I was happy of course because I was then financially independent, but I didn't go on mindless spending binges like other people who got their first credit cards. I knew it's not free money. I only use my credit card on what I what I can actually afford. Because of what I've learned about money management from my parents, I knew how serious it would be if I go beyond my credit line or not paying the balance on time. Yeah, I did ocassionally ran up a hefty bill due my negligence but the debt was never beyond what I could pay in the short run. I was able to live the college life that I've wanted and didn't have to worry about my credit yet.
After my graduation, I worked at several odd jobs for several years before finally getting my dream job that made good use of my degree. I managed to buy a new car and had plans to move to a better place to live. I felt that I could finally have the life that I've wanted. But then everything changed after a serious car accident. Although my car insurance covered some of the damages and costs, I was slapped with hefty hospital bill which amounted to almost a hundred thousand dollars. I had to pay the bill plus interest over the course of several years. When I got laid off, my live started to go in a downward spiral. My new job wasn't enough to make ends meet and I maxed out all of my credit cards. I was in financial hell.
The situation was utterly hopeless and there was seemingly no way out. But then one I found out about bad credit loans. It was no secret, but I don't know why I hadn't discover that earlier. I probably would've been in a much better situation if I had applied for those type of loans earlier. These loans are much easier to apply for than traditional loans. Soon I was able to get my life back on track. Even though I still had a mountain of debt on me, these bad credit loans made it possible for me to see light at the end of the tunnel. I did saw light at the end of the long tunnel. I found a good job and managed to maintain a lifestyle that I had before the crisis. I have to pay the debt right now, but it's much less than before.
Was there a way to have prevented myself from sinking into the credit hole in the first place? If I had expected the unexpected, I would have bought an insurance policy with better coverage, put more of my income into savings, etc. But that's difficult for a lot of people. Besides, there's no way to know what will happen in the future. It's better to prepare for what you don't expect, but it's even better if you have add a safety net.
Shifting Calories Method for Weight Loss
When I was young and lean, I could eat anything I want and all I want without gaining any additional weight. I didn't have to worry about how many calories are in one cheeseburger or how much fat is in that weekly pizza. When I heard stories and saw ads about people struggling to lose weight, I simply thought it couldn't happen to me. I was practically in food heaven in the early years of my life.
Cruel reality came when I hit my twenties. I began to gain weight gradually. At first I didn't notice until my parents gave me a heads up. It happened too slow for me to notice so I began using the bathroom scale. I was in for a surprise: I've gained 30 pounds since my last physical, which was a long time ago. Fear began to set in. I was afraid of all the problems that might happen: Losing my self-image, my way of eating, health problems, and all the other things that weren't evident yet. However I refused to let fate take its course.
I began to eat low fat and low calorie foods after doing some initial research. Didn't work for me that well. I was basically starving myself and yet I didn't notice any weight loss after shedding off the first few pounds. What I hated the most was the starving aspect of the diet. Why was I starving myself purposedfully? I'm living in a plentiful, industrialized country for god's sake! I then tried a the low carb method, which I quickly find out was practically the same as the previous method. I couldn't eat more than an apple per day! What's the point of living if I have to feel so miserable about eating so little?
After scrounging for more weight loss plans and methods, I stumbled upon diet plans that were less harsh than the previous methods but worked much slower. I tried it for about two months but only lost less than a pound! This might work if I went through the program all the way, but by that time, I would probably be in my forties already. Again I searched for more information and tried diet pills. Basically they were even worse than what I've tried before. I felt that the only value those pills had were their placebo effects. After searching for more weight loss methods and plans (many of which were basically copy-cats of one another), I was on the verge of giving up.
One fine morning, however, I stumbled upon a new theory on weight loss: The Shifting Calories Theory. I was intrigued because it was something unique. The theory basically states that our bodies metabolism burns future calories at a rate based on the average of how many calories the person has burned previously (a few days past). This basically means that our bodies' metabolism has a sort of a memory of how many calories to burn. However, if we suddenly change the types and amounts of calories we eat, we can trick our body into burning more fat. Though there are more details, that's basically how it works. And it does work, at least for me. I've already lost thirty-six pounds using this method. I'm not saying that all of the other methods are worthless, but if you've tried a lot of plans already but failed, you should give this a shot.
Alternative Training Method For Dogs
When I got my first dog, a beagle, as my pet several years ago, I was thrilled. I was finally able to have my very own lively, obedient, and loving pet. After about week, I became very frustrated. If happened to own a dog too, then you know what I mean. Taking care of Sally was like having to take care of an unruly child.
I already had some knowledge on how to train Sally. But it didn't seem to work, Sally would continue her bad habits in spite of what I've done. She would let it out anywhere she pleased. The incessant barking, whether it's indoors or outdoors drove my neighbors mad. Do get me wrong, I love my pet, but this was getting out of hand. Sally was afraid of the simplest things: I can't even use the toaster without her barking like mad. Whenever an icecream truck drove by, she run for cover. She disobeyed my commands many times and would bark at my friends and neighbors for no apparent reasing. Taking her out was a pain. I was tired of having to fetch most of those frisbees myself. There must be something wrong with the way I'm training her I thought, so I went out and bought a couple of dog training books and read through them in about a week. I've applied most of the techniques in the book but a month passed and there was still no progress. I then tried other books and asked for advice from other dog owners. Again, almost a month passed and there was still no progress. I was exhausted. Having stress from work was bad, I don't want to be stressed at home too. I pondered for a while and realized that no matter how difficult a situation is, there's always solution if one is persistant.
With the newly found drive to train my dog for the better, I scoured for more information on dog training. Then I stumbled upon something that actually worked. I thought it was the same old stuff that's already in the books that I've read, but no this was actually something new and effective. It was a epiphany for me after I bought the manual and followed its instructions and techniques. After about a month, Sally was starting to become fairly obedient. Most of her worse habits were gone. She was on the right track for improvement. You see, there's usually always a solution to even the worse problems. The answers are out there, you just have to find it. I was glad I didn't give up early.
About two years ago, I lose my high-paying office job, burned through my savings, and have been living a miserable life. I had to consciously think about how I would spend every penny. Every single damn penny was like a part of my lifeline. When you have so much at stake, every single damn penny is like a dollar. I kept reading the local paper everyday, searching around town and talking to people, and searching the web for anything that might help, but to no avail.
But then like many other people, I stumbled upon something that I thought would help me: Work-at-home jobs. Unfortunately, even though I thought I had enough common sense not to fall for these scams, I fell for them anyway. Their sales message looked so attractive and real which went something like, "for a low price of $39.99 you can get a complete up-to-date listing of all companies that are currently hiring online typists. This initial investment will pay for itself many times over!" As if I wasn't stupid enough, I fell for another scam! This one being "get a list of companies offering paid surveys for a low price of $29.99!" I should have know the moment I saw the cliched sales pitches.
I did find some online jobs that were real, but they had ludicrous requirements and there was a ridicuously long waiting line. I wasn't deterred and I continued searching for a long time until I stumbled upon a crap load of get-paid-to-programs. Most of them, like get-paid-to-read emails and get-paid-to click, aren't worth the time and they pay only pennies. That's even worse than panhandling. However I did managed to find some survey sites that paid decently but they were only one time deals because they rarely update their listings. I then tried blogging and writing articles/reviews for cash. Again a waste of time. I tried selling on ebay using the dropshipping method and again made the stupid mistake of having to pay for the list of dropshippers. I did manage to make some sales, but not until I lowered the price drastically. It was a ridiculous waste of time and effort because of the low profit margin and the difficulty in doing market research and competition against well-established sellers. Some might say that I haven't tried hard enough. Well, I would say to those people, if they have lots of time and money to risk, they can sure try. Maybe it'll work out for them after they've spend thousands of dollars and countless hours sitting in front of their computers.
I was about to give up and throw in the towel. There are no real online jobs and no way for the average joe to make money online. But then, almost by accident, I stumbled upon a website that offered high-paying surveys. I was about to close the website when I saw the usual sales pitch but I gave it one more chance and bought their service. It was the best choice I've ever made in a long time. I began making enough money to cover my expenses and actually set some of it aside for savings. If I had given up early, I would probably been in an even worse situation that before. I'm glad that I hadn't given up.
Back then when I had cable, I thought I had a great deal in entertainment. I was able to get a decent number of channels for a good price. However, after I moved and after a change in my income, I was no longer able to afford watching cable without sacrificing something else. I was stuck with regular local television.
Boring! There were only a few channels which I could watch because the reception was horrible despite having a fancy antenna. So much for entertainment I thought. After several months, I was totally fed up with just local TV. I envied my friends who talked about various sport shows, action flicks, and other good stuff that I was unable to watch. I hate having to say, "Uh, I don't have cable" or "I don't have satellite TV". Has that ever happened to you? Later I began shopping around for new deals on cable and satellite tv. There wasn't much of a selection in my local area. Heck, there never was a good selection of providers to begin with. I then heard stories about getting satellite or tv for free. However, I soon found out that those involve either buying illegal electronics or leeching it from your neighbor. Okay, I'm above that so I didn't even consider it at all. I don't want to risk it. Was there another way? Can't they do satellite TV over the internet? They can do it with ordinary tv shows. I pondered at the question.
I did a search on the web, not expecting such a silly idea to exist, but to my surprise, it does exist! The price was pretty cheap too. Unlimited access to thousands of channels around the world for a one-time payment. Yes, a one time payment. It's completely legal too. There's no special hardware required! I immediately knew that I had found a great deal. I was a little skeptical at first but I bought it anyway. It was a decision I didn't regret. I started the program and I was surprised at the quality and quantity of the channels. I finally have satellite tv without breaking my bank. The moral is that things that you think don't exist might actually exist.
Powerleveling in World of Warcraft
I'm an enthusiast of World of Warcraft. I admit that I spend alot of hours playing and maybe putting a little bit too time into it than most people who are playing videogames. However the game is simply great and very enjoyable. Every effort in playing the game is worth it. But what I find frustrating is the huge amount of time I have to spend in leveling up my characters. I would often envy those people who leveled up so quickly and have the special equipment and rare items at their possession. I wish I could spend more time in grinding and farming so I could at least be at the same level as my friends, but I can't neglect real life obligations and activities.
I thought about it for a long time. In order to gain levels fast, either a player has to spend more time on the, play more efficiently, or know some secret. Since the first two are fairly obvious, I bet that it's the third one that enables some players to gain so many levels in a short period of time. I read through every useful tutorial and faqs I could find on the web, but other than the usual tips and tricks that I already knew, there wasn't anything else about power leveling. I wasn't about to give up however, I knew that eventually I'll have to find the secret power leveling method myself or stumble upon it on the internet.
After days of thought and surfing, I finally came upon something that blew my mind. A top player of WOW was actually offering to reveal his method of power leveling. Thank god! Finally I can level up at the same pace as my friends or even faster! I was a bit skeptical at first, but reading the material and applying his techniques proved me otherwise. The power leveling techniques and strategies actually work. I'm glad I found this manual because I can now have a life and play World of Warcraft!
