Rebuild Your Credit In 7 Easy Steps

K2 Credit Wallet

A low credit score is undoubtedly a very big cause for concern. This is because it makes you one of those people who will have difficulty in attaining loans. Banks and other loan lenders are not that forthcoming when it comes to lending money to people with bad credit score. They consider it to be a risky investment or a bad debt.
Now when it comes to a low credit score, it does not happen in the matter of a few days. It usually takes a couple of months to actually reach there. It might happen that you made a payment late or even missed it. Before you know it, you see that your credit score has dropped below 600. According to experts, this is considered to be a very low score and can cause you problems in the future.
That being said, it might be that you are looking to repair your credit. You have understood the importance of maintaining a good credit score and are looking forward to doing just that. However, you might have heard from a lot of people that credit repair is not actually an easy process. This might be worrying you to some extent. Contrary to popular belief, the process of repairing your credit is actually very easy. In fact, it can be done in seven easy steps.
Therefore, if you would like to know how to get your credit score repaired, read on below to find out more.

1-Open up your very own bank account
The very first thing that you would need to do is open up your personal bank account. This in itself will help in improving your credibility. This is because the loan lending companies will be seeing that you have some savings of your own.

2-Get a credit card which is secured
There is absolutely no doubt that credit cards have actually become a necessity item. People find it very difficult to function without a credit card. That is why even you should be thinking of getting a credit card if you want to improve your credit score. However, make sure that you are doing it with the companies which charge low annual fees.

3-Get an installment loan
The next thing which you can think about doing is obtaining an installment loan. This would solely be done to show the loan lenders that you are in fact a reliable candidate.

4-Pay off student loans
Student loans are something for which a lot of people seem to suffer. You should not be one of them. Therefore, try to get your student loans paid off as soon as you can.

5-Become an authorized user on a credit card
Rather than using other people’s credit cards, get one under your own name. In addition, try not to splurge on it as well.

6-Hire a credit repair company

Credit repair is by far the most efficient way of rebuilding your credit, especially if you have multiple negative items on your credit report.When hiring a credit repair company be sure to do your research and go with a reputable company that has had success with previous clients.Credit repair can be complicated so it’s best to leave it to the professionals.

7-Improve your bad habits
Lastly, you should make sure to turn over a new leaf, try to have only a handful of credit cards in your possession. Also, try to make sure that you can make all your payments within your deadline.


Make money as a Reiki Practitioner

Reiki Master Stone

Healing people with your hands, transferring energy through your palms to encourage healing is a graceful way of helping others. If you are interested in learning the art of Reiki, at Reiki Master Academy, you can learn all you need to know to help others. They provide virtual classrooms so that you may learn anywhere, anytime. Their Reiki courses provide you with the guidance you need to become a practitioner of the art of Reiki and start making money in this growing industry.
It is simple and easy to learn Reiki online through their website provided at the end of this article.
Reiki is the Japanese Buddhist method of healing using the palms of your hands. Learning Reiki online provides you with the knowledge you need to transfer what is called “universal energy” through your palms which encourages healing.
This energy healing method has the following benefits:
Stress relief
Pain relief
heightened sense of well-being
help with painful muscle tension
relief from anxiety and depression
And overall better health.
Without medications and invasive procedures, this technique is a natural way to bring all aspects of self-awareness into balance. Anyone can learn the practice of Reiki, whether to heal yourself or be certified to heal others. This technique is well known to promote physical and mental health.
Easy Reiki courses for all:
Learning Reiki online is easier than you might think. At Reiki Master Academy,they provide live or online courses with experts who are highly skilled at Reiki and meditation. All of their courses are designed to assist students in developing their talents and skills. This includes enhancing intuition, engaging in the powers for health, and giving constant support through their Reiki journey.
No matter your level, they have a course that is right for you. They offer many certificate programs, such as Hospice Companion Certification or Intuitive Counseling Certification Programs. Learn Reiki online with a constant flow of new videos to hone your skills. Various tracks can be taken depending on what you are interested in, such as practical Reiki, business foundations, or healing.
Visit to learn more about the Reiki courses that can help launch your new career as a Reiki Practitioner.

Houston Housing On The Brink


Houston,we have a problem- and it’s all about the oil.
Texas is the nucleus of the nations energy industry, which is currently getting smacked by tumbling oil prices.

The days of $120 oil are out the window – and that means oil companies are slashing jobs -ten’s of thousands of them.
That’s bad news for a Houston housing market that had been booming in the last few years thanks in part to the ever expanding energy business.I strongly believe home construction could fall 8% in Houston by the end of the year.
“Rising employment in Houston is one of the most important factors for housing, with job and income growth steering both local demand and increased population from relocations,” Realtor Jason Brown wrote in a public report earlier this month.
Are we going to relive 1980’s all over again? There is a history of oil meltdowns seeping into the Lone Star state’s real estate market.
When oil prices crashed below 60% in the 1980’s, home prices dropped 16% from their peak, according to The New York Times. Houston was one of the cities that really got hard hit, with housing permits nose diving 80%.
Yet Houston is not as dependent on the oil and industry as it once was previously.Houston attracts employees from many other sectors, including pharmaceuticals, banking, technology based companies and higher education.
“The number of jobs being created and people moving into Houston is so great compared with the 80s,” said Jason Brown.He doesn’t see a downturn just yet in business but I’m not quite so confident that the bubble is getting closer for real estate investment in Houston.

Avoid Houston home builders: For now,I would advise  investors to steer clear of home builders in Houston where their is heavy exposure as an oil-centric market.Many Texas real estate investors are shifting towards higher end homes in Vail and Aspen Colorado for example as luxury resort communities are still seeing huge gains compared to the national average.Real estate speculation is always a tricky business so my advise is to always invest in the most insulated markets that are diverse and not beholden to one or two industries.