Banks With No Credit Checks: Are They Worth The Risk?

Writen By Marco Gomez , Posted in: All-Marco, Finance Items

Invest In Your Future

Invest In Your Future

Banks have very important roles. You can save your money, pay bills, invest for the future, and loan money for a new home or car through these financial institutions. Then again, loans are not approved immediately. Banks usually have credit report systems that they follow before approving your application. Fortunately, for those who do not have good credit, there are banks that do not have a credit report system. The question is, is this move too risky?

When Going For A Bank Without A Credit Report System Is Your Only Recourse

If it is hard to get a loan because of your credit, the first thing you should do is determine if you really need a loan or not. Loans that do not require credit checks can be pretty expensive. Interest rates are high. Even if you have bad credit, you may still try applying for a loan in a bank that has a credit report system. Don’t immediately conclude that you can’t get a loan because of your credit score. You will never know until you ask.

Think About The risks

Think About The risks

Keep in mind that banks want to make money. If it will lend you money without even taking a look at your credit history, they are going to do it for the money. Be aware of the price before you even file your application. It’s risky on their end so they’ll want to charge you with high interest rates.

Signs To Watch Out For

Although some banks do not have a credit report system in place, they are still reliable. Then again, you should be careful and not fall for scams. You want to know about all the fees. There should not be any surprises. Furthermore, you should take note of the information they want from you. You should raise an eyebrow if someone asks for your Social Security Number. They do not need your credit score. Why should they get your SSN? This can lead to identity theft. If you are not confident with the person you are talking to, keep your SSN to yourself.

If the offer sounds too good for it to be true, it typically is. Make sure that you have an eye for promises that seem too optimistic. Do not be fooled by guarantees. Bear in mind that they do not know you yet. They do not know your credit history. How can they be so sure in giving you guarantees?

Importance Of Building Credit

Raise Your Credit Score

Raise Your Credit Score

At the end of the day, the most important thing is still to build credit. This way, you will not be limited to banks and lenders that work without any credit report system. Begin building your credit as soon as you can. A good credit leads to less expensive loans, lower interest rates, and more options.

Sometimes the only choice you have is to find a bank that will not perform a credit check. If you can afford the rates, go ahead and get the loan. But be smart when making these huge financial decisions. Only go for it when you have to buy a necessity and not merely spend the money for your luxuries.

Should You Keep Windows XP Even Without Support?

Writen By Marco Gomez , Posted in: All-Marco, Internet Help

Windows XP Is Now Without Support

Windows XP Is Now Without Support

The world was surprised when Microsoft announced that the company will be withdrawing its support on Windows XP this coming April 8, 2014. Amidst all the commotion made by this assignment, this has created a mix of reactions. To set things clear, when Microsoft says it will stop its support on XP, it doesn’t mean that the installed Windows XP will suddenly stop working. It simply means Microsoft will no longer send updates to the OS after April 8. The question that most people ask is this: should they continue to use Windows XP?

Hardware limitations

The answer is yes. You could keep your computer running with Windows XP and still it would continue working. However, the withdrawal of support also means that more attacks on XP would increase in intensity after April 8. The OS that you have now will be more vulnerable after the support ends. Of course you have the choice to upgrade your OS but you would be limited by your hardware. You might need to upgrade your computer also if you want to upgrade your OS. Should you choose to keep the Windows XP, here are some tips to do.

Back up your files

Make A Back Up Of All Your Important Files

Make A Back Up Of All Your Important Files

After many OS iterations, experts say it was no surprise that Microsoft finally pulled the support plug from Windows XP. Of course, if there are attacks on XP when there was still support, you can expect even more attacks after the withdrawal of support. If you don’t practice regular backing up of files, you should absolutely make it a habit after April 8. You can even have a restore point on April 8 and do regular backups after that. The reason for this is that in case there is a large scale attack on XP, you will still have a backup file to start again.

Install security and antivirus programs

You can expect more and more attacks to Windows XP after April 8 and this is the reason you should install antivirus programs even more. Install an antimalware program to protect your computers from malwares and worms. Install antivirus programs to protect you from computer viruses. Don’t rely on your backup files and just become complacent. Remember that prevention is always better than cure and the sure way to prevent an attack is defending your computer. Don’t just settle for free antivirus programs. If you can, invest in a reliable and reputable antivirus program even if you need to shell out an amount for their service. Once you install a third-part antivirus program, you no longer need to worry about XP attacks.


Is XP Worth The Risk

Is XP Worth The Risk

In conclusion, you can still keep your Windows XP. However, you must have a restore point and perform regular backups. Don’t forget to install antivirus programs to protect your computer from attacks. You can do away with all these preparations by choosing to depart from Windows XP. However, you may need to upgrade your OS to the latest versions but you may need to upgrade your computer hardware too.

Pin It To Win It!

Writen By Marco Gomez , Posted in: All-Marco, Business Help

Using Pinterest For Business

Using Pinterest For Business

It is quite interesting to know that Pinterest could be used for marketing. If you are trying to promote your business and you do not know how to, maybe you could give it a shot and try using Pinterest. It is definitely worth a shot especially nowadays when everything is become social. Facebook and Twitter are the new trends and Pinterest is certainly hitting the marketing techniques now. If your target is for female audience, you should without doubt try Pinterest. Reports show that 70 to 80 percent are female users. If you still are hesitant about doing this, read the following –

  • Attracts Websites

If you notice, the most successful brands and networks have a Pinterest account, because they attract a great amount of people towards their websites. Everyone gets attracted to pictures mostly. If the writing on your page is long and boring it only drives away the audience. Pinterest attracts many people towards Twitter and many other such social sites.

  • Pinterest Has A Life Span Of More Than A Week

If you compare the life of Pinterest to the life of Twitter or Facebook, you will notice that Pinterest’s life span is way more than that of any social sites. You can share your photos on Pinterest to share with your friends and followers, and you can also save it to buy it later whenever you have the means.

  • Users Become Shoppers

Attract More Clients To Your Business

Attract More Clients To Your Business

When you use Pinterest, if you have noticed there is always a link that leads you towards a website, where you can buy the stuff that you pin on your board.

  • Helps To Share It Everywhere

If you want your content shared, you can leave that job to Pinterest. They handle that very well and make sure that all your content is shared.

  • Nothing Like The Rest

Pinterest is very straight to the point and has a vision to get what they want. Unlike Facebook and Instagram where you get to know what people had last night for dinner or who just had a break up?

  • Pinterest Gets You Captivated

This site is extremely addictive; once you start using it you will never want to stop.

  • Linked To Other Sites

The best part about Pinterest is that you can link it to your Facebook and Twitter account, which gets you more followers.

Link It To Your Facebook And Twitter account To Get More Followers

Link It To Your Facebook And Twitter account To Get More Followers

The marketing people have only been using Facebook and Twitter to market their products for many years now. But Pinterest is on the top list when it comes to marketing because it has a better vision and can target a much higher audience. If you know how to create the right pins that people will love and share on their boards, you are most certainly on the right track. If you want to know what is the best way to capture a good audience always remember the following –

  • Always remember to be active
  • Learn to interact more often with your audience,
  • Try and create some interesting board contests and,
  • Promote.
  • Follow these simple steps and you will be a very active pinner which will lead to a very successful winner.