HOW TO GROW YOUR CREDIT SCORE FAST

Credit scores mean quite a lot in life. Creditors have their own criteria for establishing one’s financial worth and ability to pay up. To qualify for higher credit, loans, and mortgages, it’s important to keep up your credit score; it’s always best to maintain yours slightly above 720.

But in case you are still young with little credit history or for some reason your FICO score is below the 700 mark, and are wondering how to grow it, here’re eight simple but modest tricks.

1. Check Your Credit Report

This should be your first step. Besides giving you a chance to see your credit score, the report will also let you in on the reason why it is low. And from it you’ll have rough idea what to do.

1. Rectify Erroneous Information

From your credit report, you’ll be able to spot any errors if any. It is possible they are the reason behind your low FICo score. You can dispute such errors through any of the three credit bureaus.

1. Negotiate For A Raise

Perhaps you had a good credit history until you stopped paying your bills on time when you lost your job. You can as well ask your creditor to erase your debt or default as long as you can pay.

What you can do is write a letter with a request to your creditor to eliminate the bad report and a commitment to pay the remaining balance. You can also seek a notice of “good will adjustment”.

1. Check Your Credit Limits

Again, from your credit report, look up at your credit limits and ensure they are the most current. It shouldn’t seem you are maxing your card every month. Ensure any adjustments are indicated.

1. Get a Credit Card

The essence of owning a credit card is to use it responsibly. Having more than one will certainly do your credit score some good. If you can’t get a customary credit card apply for a secured one.

You may have to give away some few hundred dollars the creditor can use as collateral. Secured cards usually have an allowance to extend credit provided you’ve been responsible for 6 months.

Other strategies include under-using your credit cards, processing your loans quickly, and paying your bills on time. You are likely to raise your score even faster if you become more responsible with your credit cards. For purposes of emphasis, nothing changes without the appropriate action

 

 

from
http://www.peakofman.com/2017/02/17/how-to-grow-your-credit-score-fast/

How to Calculate Your Net Worth

Do you always hear about these rich billionaires and what their net worth is but you are left wondering what this is or what your own net worth is? While there are a number software programs that can help you determine your net worth, you can still calculate this physically. But you will need to know what you are talking about first.

Defining Net Worth

So what is net worth? The short answer is that your net worth is the value of everything you own when you take out what you owe.  The net worth is determined by looking at your assets and debts. The assets include the portion of your home which you have already paid for, cars, cash in the bank or any investments you hold in the form of shares and bonds. When you calculate your net worth, you cannot include liabilities. These are what you still owe on the assets you have including the loan for your car, the mortgage for the house and any credit cards you are using.

List all your assets

To calculate your true net worth, start by making a full list of all your assets. In this list, include your cars, home, bonds you hold, stock holdings, businesses where you own shares. Many people would rather have a point where they stop including things. You may want to say you will not include anything less valuable than say your car. You must place a value on each of the assets you have listed. Once everything has been listed, it’s time to add up the numbers.

List all your debts

Now it’s time to list what you owe. In this list, include all your balances on your credit card and personal loans. Do not forget to include any student loans, the loan on your car, your furniture. Do not leave any debt, no matter how small it looks. When you add together all the small debt, you can discover that it becomes a big chunk of money. Once everything has been listed, add together and get a total.

Subtract and decide what your worth is

Once you have the two numbers, subtract your debts from your assets. The number you get is your net worth. There is no need to panic if this number comes back negative. This usually happens to young people who still haven’t earned enough money to start reducing their debt. At other times this may be an indication that you are over borrowed.   The fastest way to increase your net worth is by reducing your debt drastically while adding to your assets list.

from
http://www.peakofman.com/2017/02/13/how-to-calculate-your-net-worth/

FORGET QUICK FIX SOLUTIONS OUT THERE, REAL FITNESS BEGINS HERE

It’s almost end of the first month  and the festivities are here. What will happen of course you can tell. You are likely to gain a little more weight and it’s a problem because you would remember you set out to shed off a figure by now but that’s fine because real fitness begins here. Here’re five tips for you:

 

1. A Balanced Nutrition Plan

 

While there are quick fix solutions out there, some of them are nothing more than tricks. It’s also important to know that keeping healthy is a very personal concern. However, to achieve an ideal body weight, you need to find the balance between burning calories and daily body energy need.

 

1. A Balanced Exercise Regime

While limited calorie intake is the primary focus of a healthy nutrition plan, it does not mean that you completely avoid foods with calories. A healthy nutrition plan includes regular workouts that help burn the excess calorie. The merits of regular workout are vast and sure worth commitment.

1. Find Pleasure in Workouts

 

Ideally a healthy exercise regime should make you feel good. It doesn’t have to be this thing you dread or struggle with to the point of injury. Usually the more you follow a regime you don’t like or find pleasure in, the more you’re bound to fail in it. Always adjust until you find pleasure in it.

 

1. Don’t Weigh Yourself Down

 

The other thing you would find necessary is to check your progress regularly but while at it, it’s important to take it easy. Also you would find it very normal to weigh yourself often but surely you don’t have to do this every day. The problem with this is that the body can easily self-sabotage.

 

 

 

e)     Keep it Positive Mentally

You must already know this, that the need to achieve a certain body weight actually begins and exists in the mind and that it all starts there. This is why it’s important to listen to your mind but not allow it to always criticize your progress. Like an athlete, you need to believe and work hard.

 

from
http://www.peakofman.com/2017/02/10/forget-quick-fix-solutions-out-there-real-fitness-begins-here/

Dressing Tips for Men Attending an Interview

The biggest mistake any man attending an interview can make is to think that anything goes. It is true that men’s fashion changes slowly but it would be fatal to ignore that changes. When dressing for an interview, there are a few things you need to consider. For example, what level is the job you are applying for? What is the job description? Have you just left college or have you been working for half your adult life? These and a few other questions will help you to decide how to dress for your interview. The tips here are suggested by Lois Fenton writing for Monster.

Selecting the suit

According to Lois, if you are applying for a high-level position you will need to have a minimum of two suits. The advice is to avoid a double breasted suit because it’s just old and the single breasted is more current. You will just need to ensure that you do not overdress in such a way that you end up looking better than the person who is interviewing you. They do not like anyone who takes the shine away from them. Just remember to get the suit to the dry cleaner before the interview so that it looks well pressed when you put it on and it smells fresh. Navy and deep gray suits are great to wear for interviews. Just avoid a black or tan suit; they are only appropriate if you’re looking for a job in the television or glamor industry.

Blazers and sports jackets are too casual

Avoid a blazer or a sports jacket as it may be construed as if you are not taking the interview seriously.  However, a blazer can be great for someone looking for a job in academia where people are generally not expected to arrive at work in suits. Even in such a case, you will still need to stick to something traditional such as gray, navy and blue in your colors. Dressing casually is not really a license to show off how radical you are. You will get a chance to do this once you get the job.

Choosing your shirt and accessories

Lois advises that for the first interview you should arrive in a white shirt with a simple shirt collar. The shirt should be 100% cotton and blends should be avoided like the plague. If you do not have a white shirt which is crisp enough, then investing time in buying a new white shirt may be a good idea. Since a tie is the first thing that someone looks at when they look at a man, you need to invest enough time selecting the right tie. If all you have are those loud and dramatic ones, then you may want to go and get yourself a new tie with just one color, a neat pattern, or something classic.

Add to the accessories above a great pair of shoes. Something professional like a black lace-up. Shine your shoes well ahead of the interview. Whatever you are putting on, your socks should be black and they should cover your ankles. Remember to clean your nails and go to a good barber ahead of your interview.

 

from
http://www.peakofman.com/2017/02/07/dressing-tips-for-men-attending-an-interview/

Do You Have a Sex Addiction?

When this topic of sex addiction is raised, many men actually ask, can sex be addictive? The answer is yes and there are several signs that can indicate that an individual is addicted to sex. Brian Whitney identifies some signs you should watch out for.

When you live a double life

According to Brian, the moment when you start to live a double life which involves cheating on your girlfriend or wife you should know that the problem is about to begin. The cheating starts to involve lying about how you spend your money when you actually spend the money buying sex or being involved in some form of sexual activity.

When it comes to sex, you do not care about others

To be a sex addict, you do not have to be a bad and evil person. You can be a great father to your children. A great employee to your boss or even the person that your community relies on. However, when it comes to sex, you care about nobody else but yourself. You can sleep with a person and not care what happens to them once you have got what you want. You start to see women simply as objects, available for you to use. When you become a sex addict you will do whatever it takes to have sex with a woman, even if it means manipulating them.

Thoughts of sex take over your mind

Are you always either thinking about sex, planning your next sexual encounter or actually having sex? If the answer to this question is a yes, then you are moving in the direction of sex addiction. This leads to a situation where you are no longer in control. You will have sex anywhere, whether it’s your office, in your car at the local park or downstairs with the maid in your house while your wife is sleeping upstairs. Even if you know the dire consequences of your behavior, you just no longer care.

When sex destroys your relationships

You have come to accept that every one of your relationships will end because of some action you have done which is related to sex. In the beginning, you will be able to hide this from your partner but she will soon start to realize that something is not right. Then your relationship will break down, but you do not learn a lesson, you still do the same in the next.

You cannot control your masturbation

Masturbation on its own is not unhealthy. It becomes an issue when you do it at every chance you get. “Every chance” means exactly that; you do it after waking up, while you take a bath, when you get to your office, during the tea break and soon after your next meeting. Yes, people with a sex addiction do this.

There are many more signs which can indicate that you have a sex addiction such as when you are unable to stop having sex all the time even if you wanted. When you start to hate yourself because of your sexual life, it is time to seek professional help.

from
http://www.peakofman.com/2017/02/04/do-you-have-a-sex-addiction/

5 ALTERNATIVE PHYSICAL HEALTH PRACTICES TO TRY BEFORE END YEAR

Lift, walk and or run around. Dance, stretch, and repeat. I am tempted to think this is your typical physical health routine but hey, think about it. Isn’t this getting a little boring, more like the same old story; pavements, gym center, hills and meals? Now, why don’t you try something different? The following are some of the best alternative physical health routines you could try by end year.
a) Yoga
Most yoga retreat balis involve light exercises such as silent mindful walks, bike rides and some surfing depending on your location. This blend of exercises is sure to keep you active throughout your day, reduce level stress in you as well as better your sleep at night. Unknown to you, these light yoga health retreat bali activities also increase the production of the “feel good,” hormones.
b) Surfing
Like yoga, surfing has a number of health benefits. It helps develop the upper and lower body. It also increases your physical and muscles strength. It improves your flexibility and balance. Also, regular paddling provides great cardio workout. Other than physical health and related benefits, participating in surfing routines can also help you learn a lot about stress and how to deal with it.
c) Swimming
Unlike activities such as walking or running, you may not strengthen your bones or burn as many kilojuoles as you would with typical exercise routines. Even though it’s a learned skill swimming is a low-impact activity. Once in the water, the buoyancy does not only support your whole body but also reduces the risk of spinal injury. It’s an ideal form of workout, especially for the elderly.

d) Nutrition
Regardless of your physical health goals, proper nutrition is the backbone. It is essentially what fuels fitness. It’s unavoidable. It’s also advisable to insist on a balanced diet. This entails a good mix of carbohydrates, vegetables, vitamins, proteins, complex proteins and fats such as chicken and fish among others. When not home, you can try a pack of homemade snacks and or soy nuts.
e) Cycling
One more thing you could try is cycling. It’s a weight-bearing activity that is also gentle on your joints. Cycling helps burn calories, improves cardiovascular activity, and strengthens your limps.

from
http://www.peakofman.com/2017/02/02/5-alternative-physical-health-practices-to-try-before-end-year/

What your car says about you?

 

Do you own a car? If you do, have you ever asked yourself what your car says about you. If you ask any man why they drive a certain car, you will probably get reason related to price, that the person loves the brand or it is the car that was available when they were looking for a car. Very few men will tell you the real reason why they bought a certain car. Sometimes men do this deliberately yet at other times they do not know the psychological influences that were at play when they bought the car that they drive.

According to Farouk Radwan cars, just like everything else that human beings own have the ability to say a lot of things about the person who owns them. He argues that when people buy things, they do so to satisfy their emotional needs. Ask yourself why someone would buy a car for over $100 000 if all they were looking for was something to take them from point A to point B? Radwan then goes on to tell you about what your car says about you.

4 x 4 drivers see life as a competition

Drivers of 4 x 4 are the kind of people who always want their way. This is the person who expects everybody to notice when they have arrived. Without labeling them as bullies, one can say these drivers see everything as a competition. They approach every situation as if it was a contest. This makes them an aggressive lot.

Sedan drivers are practical, but…

If you drive a sedan, it says that you are a practical person. Psychologists will define you as someone who is well balanced. Listen to this, this changes when someone starts to drive the expensive German Sedans such as the Mercedes-Benz or the BMW. Driving such sedans shows that the driver cares about status and social class. Check the inside of your sedan, Farouk Radwan indicates that if your car is dirty on the inside and clean on the outside, it shows that you care more about showing off than about your own personal comfort.

Mini car drivers are sensitive

Driving a mini car is an indication that you are not obsessed with showing off. Sometimes, however, driving a small car can indicate that the driver is stingy and does not want to pay. Wait right there, if you, however, drive an expensive mini car such as a mini cooper, then you should just take your bag. This is not your class. Go to the same class as the BMW and Mercedes-Benz drivers.

Sports car drivers

Apart from enjoying showing off, these drivers are also great at taking risks. When people take note of them and think of them as successful, they enjoy. Farouk Radwan says that if the driver of a sports car was an old person, this indicates that he is has a fear of growing up or may actually be suffering from midlife crises.

If you own a car, look at it and see whether the descriptions above are accurate to you. If you do not own a car, what car would you like to own? Once you have decided, take a seat

from
http://www.peakofman.com/2017/01/31/what-your-car-says-about-you/