NW Buick National

Ernie Fitzpatrick asked:


How far should government go to protect people from their own insanity, risk-taking, and otherwise self-absorbed desires? After Katrina, the question was how smart is it to rebuild a city that’s under sea level, an empty fish bowl waiting to be filled up. In like fashion, how smart is it to build on ANY barrier island that’s sinking into the sea? Is that a fair question or not? 

Ultimately much of this will be a product of the insurance indsutry- governmental entities notwithstanding. Can one get insurance to rebuild and if so at what cost. Let the insurer and builder- homeowner beware!

Mayor White told the Houston Chronicle prior to his appearance that statewide federal assistance required will amount to between $20 billion and $40 billion. He is seeking an immediate injection of $2.5 billion for Houston in the coming weeks. White said Houston is asking Congress to ”act expeditiously to both appropriate money to ensure quick recovery after Hurricane Ike and to streamline the process for payments.”

Galveston’s mayor, Lyda Ann Thomas, talked movingly about her grandfather, nicknamed “Ike,” who helped her coastal community recover from the devastating 1900 hurricane that killed an estimated 6,000 residents. ”It sent chills up my spine when I saw (the name) Ike selected for this year’s (hurricane) hit list,” Thomas said. ”The irony is that his granddaughter might bear the God-awful responsibility of helping my city dig out and bear up under a similar tragic event.”

Thomas appealed for help, calling Galveston ”a viable and valuable piece of real estate that proudly flies the flag of the state of Texas and the United States of America.” Is pride the operative word for a rebuild effort? Mayor Thomas and Galveston’s leaders have now asked Congress for $2.3 billion to help rebuild the island.

As Eric Berger recently wrote, “The question we must ask ourselves, however, is whether it’s prudent to rebuild and continue the development of unprotected areas along the Texas coast such as Galveston’s west end and Bolivar Peninsula. I’m not saying we can or should stop people from building on their private property what they will. But should society encourage and support such development? Should we build roads? Should we offer insurance through the Texas Wind Insurance Association, which is backed by taxpayers across the state?”

Some of the many questions that need to be ASKED………………and ANSWERED!

Tom Tessin asked:


There are millions of Americans that are in debt and a lot of them are doing nothing about it. Instead, they sit back and whine to others on why they can’t rebuild credit or make any progress on their debt? Why is this? It’s simple; these are the unmotivated, lazy people of America. They aren’t taking any steps to make progress on their bills and instead of doing something, they would rather complain until your ear falls. Guess what America!? No one cares if you’re in debt, join the crowd.

Now, if that isn’t enough to bring you into reality, I don’t know what is. I’m going to show you a few tips on how you can rebuild your credit and what you should look out when you do decide to rebuild it. I’m going to talk to you a little bit about secured credit cards. If you don’t know what a secured card is, it’s a credit card designed for people with bad credit who are looking to rebuild or reestablish their credit. Just like a credit card, the only difference is that this card will require that you have a deposit on your account so that if you don’t pay your bills, the credit card company will have money to take from you without have to worry about trying to get it out of you.

Here are a few things you should look out for when you do decide that you want to apply for a secured credit card -

The annual fee - The annual fee is one the biggest fees on a secured credit card. While it’s rare to find a card with no annual fee, it’s possible but make sure that when you do apply that you’re aware of the annual fee. This is the fee you’re going to have to pay regardless of what you do with your card. As long as the card is active, you’ll have to pay it.

Deposit - As mentioned above, you’re going to have to give the credit card company a deposit in order to open the card. Since your credit will be fairly bad, this is the reason they will ask for it. Make sure that you’re aware of how much you’re going to have to deposit in order to open the card. This will range anywhere from a few dollars to as much as a few hundred dollars.

Do they report? - One of the reasons you’ll be getting a secured credit card is because you’ll want to rebuild your credit. You’re going to want to make sure that these cards report to all of the three credit bureaus. When you apply, make sure that you check out to see if they do. This will always be in the terms. If the card doesn’t, you’ll want to look elsewhere.

When it comes to rebuilding your credit, this is one option in doing so. Make sure that you follow these tips above and do your research. If you can accomplish this, you’ll be able to rebuild and reestablish your credit in no time!

Clint Jhonson asked:


Restoring cars is a good hobby.  It could also be a good and lucrative business.  With a wide range of available rebuildable cars on salvage yards, you can buy them cheap, do some restoration and sell them at a much higher price.  You need to ensure also that their engines and car transmissions are in good running condition.  You can simply buy rebuilt transmissions and engines and you can still get a profit from your car selling venture.

The biggest problem you might encounter is the difficulty in finding and choosing the right rebuildable cars.  Going directly to salvage yards might be too cumbersome.  You might also experience some bad business deals with salvage yards.  To avoid these hassles, simply go online and find a suitable auto marketplace website.  Auto marketplace site will connect you to reputable and licensed salvage yards.  You can also get quality car transmissions, parts, and engines from online auto marketplace website.

Once you determine the types of rebuildable cars you want, simply take advantage of the facilities of an online auto marketplace shop.  Register with the site and start locating salvage yards near your place.  The online auto marketplace site can help you with this.  It can locate one of its licensed salvage yard affiliate.  The contact information and location of the yard will be given to you so you can shop for rebuildable cars. 

You can also specify your preferred vehicle or rebuildable car that you want to restore.  The online services of an auto marketplace will assist you in finding your preferred vehicle.  You need to fill out a salvage car locator form.  Specify the types of car you want and the price range you are willing to pay for the cars.  The online auto marketplace shop will connect you to insurers, salvage car pools, and individual seller.  The site will match your requirements with the preferred vehicles and will notify you immediately if they find a suitable match.

Once you have your pool of rebuildable cars, it is time now for actual restoration.  One of the first things you need to check is the condition of the car transmissions.  The engines must be checked also if they are still in proper condition.  If you determine that the car transmissions and engines are already unserviceable, you can order used car transmissions from the same online site that located your rebuildable cars.  You can buy used or rebuilt car transmissions from the online auto marketplace.  You can get these vehicle parts at very low prices.

Once you installed rebuilt or used car transmissions and engines on your rebuildable cars, you need to improve the body of the vehicles to make them more valuable.  To keep your overhead expenses low, simply purchase used auto car parts and accessories.  In a matter of weeks, you will have a fleet of rebuilt cars that are all in good condition.  You can use them as your service vehicles or you can re-sell them online and take profit from your car restoration efforts.

Tom Tessin asked:


Millions of Americans every year go into debt or find themselves in a credit crisis. The first thing that these people tend to is freak out and think there’s no way out. Negative thinking gets you nowhere and no matter how bad of a hole you’re in, there’s always someone in a worse situation than you out there in the world, so life can’t be that bad, right? Now, let’s get back to the point of this. Today, I’m going to show you how you can simply rebuild your credit and get back on the good credit road. All it will take is a little action and a little determination with a positive attitude.

Free credit report - Before we even start with your credit rebuilding process, we’re going to check out your credit report. The good news is that this won’t cost you a penny. A few years ago, the government made it possible that all of the United States could get their credit report for free. Let’s take advantage of this and get our free credit report.

The reason you’re going to want to get your free credit report is because we’re going to want to check out our history. You’re going to want to check out for anything suspicious or things that don’t look right. If everything looks right, we’re on the right path. If something looks fishy, you’re going to want to look into this immediately.

Get your credit rolling - Just because you have bad credit doesn’t mean you’re not going to be able to re-establish it once again. The main route that most people take in order to rebuild their credit is by the form of a secured credit card. A secured card is just like a regular credit card but it’s designed toward people with bad credit. With this type of card, you’re going to have to supply the credit card company with a deposit. This deposit will be used if you don’t pay off your bill in time. Once you gain enough trust in the credit card companies, you will soon watch your credit score grow.

Once you get that credit card in your wallet, you’re going to want to make sure that you pay this bill off in time. Remember, we want to learn from the mistakes you made before. You don’t want to make these mistakes again. You’ll only find yourself in that debt hole once again.

Rebuilding your credit isn’t that hard at all. As I mentioned above, you will want to check out your credit history with your credit report and then you’ll want to rebuild your credit with the secured cards as mentioned above. Once you start using your card, remember not to spend over your head and pay your bills off in time in full. If you can accomplish all of these goals and learn your mistakes from the past, you’ll be on the right credit path in no time. If you have the dedication and drive, this shouldn’t be a problem at all.

Alex Navas asked:


, more than ever, it is crucial to rebuild your credit score if you’ve had trouble with it in the past. The unfortunate thing about rebuilding your credit score is that you may not be aware of everything that your credit score impacts, so you are just reaping the results of having a less than optimal credit.

To help you gain a little more understanding on why it is critical to have a good credit score, here are the top 10 reasons to rebuild your credit score;

1. Stop Wasting Money On Extra Interest - the lower your credit score, the higher your interest rates are. This can mean paying thousands of dollars extra each and every year for the same exact things that others with better credit pay much less on.

2. Get Approved For Loans Much Easier - it’s a fact that lenders will be more lenient on individuals with a higher credit score because they have a higher chance of getting their money back on time.

3. Pay Less On Your Auto Insurance - not only do insurance companies look at your driving and accident records, they even look at your credit history. Statistics show that people who are responsible with their money have a smaller chance of filing insurance claims.

4. Borrow Money At 0 Percent Interest - if you are going to borrow money, why not borrow it interest free, right! These offers are only extended to people with a proven track record of making their payments on time and having low balances on their cards.

5. Keep More Of Your Money - when you have a lower credit score, then you are always required to put a much bigger down payment on purchases like a car or a house. The lender isn’t willing to take on the risk without a sizable amount of collateral.

6. Be Favored Over Others - if you are looking to get a lease on an apartment, having good credit can give you the advantage over other tenants with less than perfect credit scores. Believe me when I tell you that the last thing landlords are looking to do is chase down the rental payment every single month as opposed to having it in the mailbox on the first of the month.

7. Get A Green Light On That New Job - many times, new applicants go through background checks and screenings. Part of the background check includes your credit profile and history. There are many cases that people get turned down for a new position due to bad credit because it is looked at as lack of discipline and responsibility.

8. Achieve The American Dream - one of the biggest reasons that you want to rebuild your credit score is to be in the position to purchase your own home or upgrade to a bigger and better house. Without a good credit score, your options for homeownership become very limited, and in many cases, non-existent.

9. Good Credit Attracts Better Opportunities - think about it, without good credit, there aren’t very many opportunities that come along for you to make money. Most people with bad credit don’t have much money put away either. Opportunities always find the right person who can take advantage of them. With good credit, people will look for you to offer you opportunities to invest or buy at discounts because you are in the position to take advantage of them

10. Because You Owe It To Yourself - you owe it to yourself to pay the absolute lowest on everything you borrow. You owe it to yourself to save and invest the money that you would be spending on higher interest or fees due to a lower credit score. You owe it to yourself to have the absolute best lifestyle available to those who have control of their credit and finances.

So there you have it, the top 10 reasons to rebuild your credit. There is much more that a good credit score can do for you, but hopefully these examples were enough for you to realize it that it is critical to your life and your finances to rebuild your credit score.

Cornie Herring asked:


Bankruptcy often is the last ultimate solution for many debtors who have unbearable debts. With filing a bankruptcy, you will get rid of your debts instantly and relief you from the harassing call of your creditors.

Although bankruptcy has many undesirable consequences such as your bad credit record will remain on your credit report for 7-10 years, but with a little work, you can improve your credit even before these negative records expire. Here are five easy steps you can take to rebuild your credit.

Step 1: Get to know your current credit status

The first step to rebuilding your credit is to look at exactly where you stand. Order all your three credit reports from those three national credit bureaus: TransUnion, Equifax, and Experian. You can order these reports online, it easy and secure.

Print each report and review it closely. Try to understand the information listed in your credit reports and highlight any negative records or inaccuracies that are damaging your credit score.

Step 2: Check the expiration dates

By law, your bad credit record will remain in your credit report for 7 to 10 years, but the exact expiry date might be different among these 3 reports. Your bad record will still remain at your credit report although you have pay off your old debts and discharge from bankruptcy.

Look up the exact date of each of bad records including judgments, liens, charge-offs, late payments, bankruptcy filings, and collection records. You will likely see a major improvement in your credit score when these records expire.

Step 3: Request For Correct On Any Inaccurate Records

If you find inaccurate records, fraudulent accounts, or records that should have expired on you credit reports, you have the right to send a separate dispute letter to each of the credit bureaus to correct your Equifax, Experian, and TransUnion records. The bureaus will initial a 30 days investigation to see whether your requests are valid and if so, they will correct the inaccuracy in your credit report.

Just one note, don’t try to dispute any of the positive information listed in your credit reports and it is a waste of time to attempt to dispute these records. Disputing positive information may actually harm your credit scores.

Step 4: Start to create good credits

Since there is no way to remove your bad record from your credit report, the best way to improve your credit score is to add good credits and building up your credit from there. You can easy do this by open up a new credit card from banks like Orchard Bank (Orchard bank has credit card plan designed specially to help people rebuild their credit after bankruptcy).

Use this new credit card responsibly and make the monthly payment timely; with this you are building new history of good credit behavior on your credit report. Over time, you may want to open additional credit card accounts or obtain a loan to boost your credit score even higher.

Step 5: Monitor your progress

Subscribe to a credit card monitoring service or get a credit card monitoring software and use it to track your credit score progress closely. Your credit score should improve steadily as you continue to use credit responsibly and add new positive information to your credit reports.

Summary

Bankruptcy does not need to chain you to bad credit for the next seven to ten years, but you have to be proactive in order to recover and rebuild your credit.

Cornie Herring asked:


A good credit score or credit rating is very important when come the time of applying credit. The better your credit score is, the better deals that have attractive low interest rate will be offered to you by many lenders, enabled you to have choices to select the best offer among the good deals. Hence, you have the responsible to maintain it and ensure it always have a high value. Actions such as default a loan, delay of credit card payment or miss payment and filing a bankruptcy can jeopardize your credit rating. If you already go through this bad phase, then, it is important for you to build your credit and get it back to order. Here are a few ways that you use to rebuild your credit and achieve a good credit score.

Build Your Credit With A Secured Credit Cards

When you are in debt, many experts will advise you to put away you credit card and not to charge your credit card again, so that you won’t add new debt into your current debt. They are right, because the uncontrolled use of credit card can make your debt situation worse. But, if you want to rebuild your credit, the best way is “Use Your Credit Card”.

Instead of using unsecured credit card that you still own, it’s better for you to apply for a secured credit card.

You probably had given up your credit cards if you had gone through a debt management program during the process of getting you debt issue resolved. And if you credit score is not good, you probably won’t be able to be approved for an unsecured credit card if you apply for one now; hence, applying for a secured credit card is the only way you can get a credit card that you can use to rebuild your credit.

What is secured credit card? Why it difference from my existing credit card? If you have not owned a secured credit card before, these questions may rise in your mind. Well, a secured credit card is the same physically with any other credit cards; the only different is a secured credit card is like a pre-paid card where you need to pay first before you use. It requires you to deposit a certain amount of cash as the collateral for a credit line. And the credit limit is the same with the amount of deposit. For example, if you put $500 into the account, you will be able to charge up to $500.

You use the secured credit card to purchase items and make the monthly payment in full on time. The issuing bank will report your good payment behavior to the credit bureau, and you will be on your way to establish a good credit history over time.

Build Your Credit With A Secured Personal Loan

Besides applying for secured credit card, you can also rebuild your credit by getting a secured personal loan. Like in secured credit card, a secured personal loan required you deposit cash or other valuable asset such as automobile, boat and jewelry as the collateral for the loan. The maximum loan can up to the collateral’s value, but most of time, you can only get about 80%-90% of collateral’s value.

Build a good credit history by making monthly loan repayment on time so that your good payment behavior will be consistently reported to the bureau and get it recorded into your credit report.

Summary

Rebuilding your credit after it has been jeopardized need time, patient and commitment. Secured credit card and secured personal loan are among the easier ways to regain your good credit score. Make your full monthly payment consistently and you will see your credit back to order when the time comes.

Matt Terkovsky asked:




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