5 Steps to Building Better Credit

A recent study by PIRG (Public Interest Research Group) found 70% of credit reports contained serious errors or mistakes.

It's a well known fact that having low credit scores costs consumers money. Credit ratings are the No. 1 determinant in a bank's decision to extend or decline credit. If your scores are low but still qualify you for credit, you will undoubtedly pay higher interest rates. Complete recovery may be a long and tedious process, but here are some steps you can take to ease the restoration of an acceptable credit rating.

1. Decrease Your Balance. High balance to limit ratio lowers your credit scores. Pay down your credit cards below 50% of their credit limits. Any revolving debt which balances are 50% or more of their limit reports as being maxed out. Do this and your scores will instantly improve.

2. Maintain Credit History. Do not close old accounts. Credit repositories take into consideration the length of time you have established your credit.

3. Get Secured. Can't qualify for a credit card? A great way to rebuild your credit is to open a secured credit card. This offers the same benefits of a regular card and will also give you the option to convert to unsecured credit in the future. Another great way of re-establishing your credit history is to obtain a savings account secured bank loan. Most banks won't run your credit when you apply for these loans and they rank high in credit scoring. If you have a few hundred in cash on hand, this is an excellent way to establish perfect payment history.

4. Piggyback. If you know someone with a good credit history and score that would be willing to add you to their account, become authorized buyer. This will immediately raise your score.

5. Opt Out. Under the Fair Credit Reporting Act (FCRA), the Consumer Credit Reporting Companies are permitted to include your name on lists used by creditors or insurers to make firm offers that are not initiated by you. The FCRA also provides you the right to "Opt-Out:, which prevents Consumer credit Reporting Companies from providing your credit file information for Firm Offer. Opting out at www.optoutprescreen.com has shown to increase scores as much as 15 points.

Blane Russell, President of Eagle River Mortgage. Established in 1997, ERM is now the largest independent brokerage in Idaho. Blane specializes in residential and commercial mortgage solutions. He is also a preferred lender with multiple resort communities across the northwest. His early experience in debt collections has provided a knowledgeable foundation for his continuous efforts in helping consumers repair their credit, gaining back the credit-worthiness they deserve.

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Learning Ping Pong on a Budget through Table Tennis Video Clips

Nearly all sports have their instructional videos. Basketball videos can teach you how to shoot a ball into a hoop while evading oncoming opponents; soccer videos can instruct you how to kick a ball into a goal while skirting fearlessly and easily past coming defense, ala Diego Maradona; and table tennis videos can show you how to send a little hollow ball hurtling and spinning through the air, so that it can get into your opponents play but without your opponent hitting it. Instructional videos will show you how to score and succeed, and can even teach you a thing or two of your sport of choices history, so that you can appreciate the game better.

Many sports instructional videos, however, can be expensive. This has prompted many entrepreneurs, as well as professional players, to launch their own websites and provide free instructional video clips. Table tennis is no exception: you can find table tennis video clips online, and whether they are free or paid-per-view, they can help you understand table tennis and play the sport well.

Some table tennis video clips will simply show you the history of the sport, along with its rules and regulations, and with the current leaders in the game. Although this can be boring for a player who is not into lectures and classes, it can help you understand why certain rules are made in certain ways. Video clips of table tennis rules can also make you visualize rule violations better, so that you can score games correctly in the future. Moreover, if you see the sports current best players in action, you can have some people to look up to in order to improve your game.

Some table tennis video clips will show you the physics behind the game. They will explain how different playing surfaces can affect the trajectory of the ball, or the ability of players to play a game well. They will explain how the two different paddle surfaces can send the ball flying in different directions, and with varying spins. Watch such video clips very carefully, as they will show you all the things you need to strategize successfully for a great game of table tennis.

Other table tennis video clips will show you how to play the game: you need to know the different ways of handling the table tennis paddle, and how each handling method affects your play; you also need to know how certain postures and movements on your part can lead to injury if you are not careful during your table tennis game. Have a paddle on hand while you are watching table tennis video clips. As this is an instructional video, you need to watch it on your feet, and in players position, as though you were ready to play a game.

Still other table tennis video clips will show table tennis games in action. Watch how the game swiftly changes, and how the pace is frenetic throughout. You need to maintain this level of energy in your table tennis game, so watch how the players utilize their energy so that it stays up throughout their play. If you can, slow down the video so you can see how certain successful shots are made. This way, you can fully appreciate the difficulty of the game, and perhaps be pressed to learning even more about how to play table tennis even better.

Table tennis video clips provide a cheaper alternative to buying whole videos. You can skip parts that you fully understand and appreciate, and you can watch the parts that you like and need over and over again. There are many sources of table tennis video clips online: all you need to do is search for them through your favorite search engine, and look for sites that offer credible table tennis video clips for free, or for the lowest price. With practice and observation, you can turn your table tennis game around, thanks to table tennis video clips.

Mario Churchill is a freelance author and has written over 200 articles on various subjects. For more information on table tennis, also called ping pong, checkout his recommended websites.

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