Monday, September 22, 2014

              How Do I Build And Maintain My Credit?

                Answers For Most Common Questions.

I don’t have any cards yet and always get rejected, how can I build up my credit?

Start by having someone add you as an additional user to their account. Be sure that the account has been open for a while, is used responsibly and not maxed out. Make sure that the credit card asks for the social of the authorized user. By doing this, you add that account to your credit files, and it helps build your credit.
After about 3 months you should get a nice boost from that. Start by applying for easier credit cards that don’t require a high credit …or a store card like from Gap, Kohl’s, Macy’s, Target, etc. These can be easier to get approved for.

How do I get and keep a good credit score?

                                  1.Pay your bills on time, every time. Always pay at least your minimum
                                       monthly payment. Don’t skip any payments.
Note: You don’t need to revolve on credit cards to get a good score. Paying off the balance each month helps get you the best score.
2. Don’t max [Don’t use more than a 1/3 of your credit line]
                                 3. Keep track of your spending
The 2 primary factors making up 65% of your score are your payment history and the amount of money you owe. So always make sure to protect those.

Isn't it bad for your score to open a card?

In the short-term your score may go down slightly, but in the longer-run your score will only go up. Because, when you get a new card, you get a new line of credit. 30% of your score is made up of amounts owed and credit utilization so the more credit you have, the better your score.
Once you use that pull and apply for a card be sure you actually get that card!  It can take several tries, but typically calling or writing (via SM or even snail mail) to reconsideration departments can turn a denial into an approval, especially if you are an existing customer.

Isn't it bad for your score to close a card?

The only negative outcome of closing a card is losing the credit line that can be avoided in several ways. Many banks allow you to move a line of credit onto a different card. Some banks may be more willing to approve you for another card contingent on moving part of line of credit from an older card onto a newer card. Or they may want to completely close out the older card and move the entire line onto the newer card.

I don’t make my own income, how can I get a credit card?

 Recently the CFPB ruled that as long as you live in the same household as someone who you can rely upon to provide from their income, you can include all of that household income when reporting your income on a credit application.
Income isn't listed on your credit report, it’s based on what you report.

Tuesday, July 29, 2014

My Trip To Vancouver Part # 3

                                Vancouver Trip Report 

In the morning we headed towards whistler..
                         Breathtaking View Looking Down From Whistler Mountains

After crossing the Lions Gate Bridge we stopped at Lynn Canyon Suspension Bridge Lynn Canyon Park  we joined the parks tour but since nobody participated we had a private tour... Giving us a glimpse thorough the history of the bridge and it's many owners. After the tour we hiked around the park. Walking on the suspension bridge was a fun and scary at the same time. As you gather the courage to look down, you see an incredible view. The waterfalls and greenery is gorgeous!  It was especially fun to watch others trying to get through without losing balance.

                                                                   Lynn Canyon Suspension Bridge 

Then we continued to Grouse Mountain....
Grouse Mountain-Skyride taking the skyride up to the mountains... It’s worth trying to have a window seat as you get a breathtaking view of the other side of Vancouver...
                                                      Grouse Mountain Sky-ride

Bear Discovery

 ​[ Grouse Mountain-Bears of the mountains] was nothing major [but the short film about the rescue  history was amazing]
Then we set down to relax while were watching "The Birds in Motion" presentation... Grouse Mountain-Birds in Motion it was interesting but צו שטארק אויסגעצויגן.
 There are also Zip-lining and gliding activities (which we didn't do since we had an infant), but it seemed to be a lot of fun!
Then we hit the road again. And drove along the Sea to Sky highway to whistler BC.

                                               Beautiful Views On Way....

On the way we stopped at Shannon Falls (right off the highway). The third highest waterfall in BC Parks, where water falls from a height of 335 meters. GORGEOUS!
                                          Huge Mountain Near The Falls

Then we checked in Westin whistler Hotel. It is nice and has a big property with lots of amenities. A full kitchen, cozy rooms, nice outdoor/indoor pool with spa. It is in the center of town. And it is a 2 min. walk to the Whistler Gondolas.
Parking was very expensive, but there was no choice since the closest free parking is 20 min walk.
In the morning we did the Gondola. It has spectacular views! [See earlier link] It was quite cold up there, with Snow Mountain tops the view from underneath and the lakes around where AMAZING! We went all the way up to the Peak to Peak Gondola that connects the incredible High Alpine of Whistler and Black-comb Mountains. One of us came down with the open chair lift (since we had an infant someone had to come back with the closed chairlift), It was cool to watch the bikers coming (would say flying) down the mountains...
                                       Breathtaking View From Gondola Chairlift

After a full day in Whistler We headed back to Vancouver for our flight home, on the way we stopped in the Museum. It was a nice historical and informal museum. We joined the last tour that took us through the mine cave and factory... Giving us a glimpse in the history of that area which is gone for a few decades...

Big truck used for mining (not in this facility.. just parked there as an advertisement).

                                            Inside The Britannia Mine Museum Factory 

 Then we stopped in the central Shul Scharat Tzedeck for Mincha Mariv and walked nearby to Sabra Kosher Restaurant  for a light meal and salads. The service and food was very good!
 (For those who look for a high end restaurant there is a restaurant called Maple Grill ).

Home we flew with Cathy Pacific but this time in business.Even after being spoiled with first class on the way coming, I must say the full lie flat seat in the service in business beats some airlines first class.. 

Wednesday, July 2, 2014

My Trip To Vancouver Part #2

Vancouver Trip Report

Arriving in Vancouver

Touchdown –The airport was beautiful and distinctive, filled with artwork, statues and an enchanting aquarium. «

                                                         Aquarium In The Airport.
However, arriving in Vancouver well after midnight, I was surprised to find that all of the car rental 

companies were closed. FEH!With so many flights arriving and departing at that time, I will say that I found it a bit odd that there were no car rental companies available to assist travelers.

Public transportation also not operating at that time, there was only one option left – taxi cab, which we were happy to find and jump right into. Our cab driver seemed a bit foreign to us … by the way he was looking at us I believe he was thinking the same thing. However, in time, we began to talk and he soon offered a very warming and comfortable personality. Upon arriving at the hotel (the cab ride cost $35), finishing up with a very nice tipto the driver, I’m sure we left him with a great appreciation for the Jewish community.«««

Check-in We checked in at the Fairmont Pacific Rim. You will love this hotel - it was exquisite. From the luxury cars parked outside, to the gorgeous lobby and the breathtaking views seen from most areas of the hotel. Though exhausted, most of our senses were fully alert.«
Upon opening the door to our room we found a letter from the Hotel Manager personally addressed to us and welcoming us to the hotel (nice touch – you’d be impressed).The hotel room was superb, which is an understatement. Modern in style, including a modern crib, toys and diapers awaiting our infant.«After our long trip, stomachs were rumbling in hunger. We had brought kosher food from home, but there was no microwave in the room to heat it – so we called for the hotel staff, who gladly took our double wrapped food and warmed up our meal for us. Wondering what to do with the rest of the food we had brought from home, noticing that the minibar was too small to house all of our kosher foods, we contacted the hotel staff once again –and they graciously brought up a larger sized mini-fridge to keep for the rest of our stay. With our stomachs full, it was off to bed for a very comfortable and cozy good night sleep. For more information on this wonderful hotel please visit their website. Fairmont Pacific Rim                                                                                                               Fairmont Room                                                        Fairmont Pacific Rim Hotel  
Check-in was a breeze. They were awaiting our arrival, greeted us by name, and swiftly showed us to our room.  The hotel porter, as well as the rest of the staff, were very helpful and extremely polite. «
Modern Restroom
Luxury Cars Parked And Washed Front Of Hotel..

Vancouver Trip Report

Vancouver Day 1

In the morning we walked to National car rental. The service was great and the people particularly polite and warm (you’ll find that this is the “norm” for nearly everyone in Vancouver«). Being an Emerald Club Member, we were offered a free upgrade for our rental car (a red convertible). Very cool yes, but while there was enough room for our family, there wasn’t much room for all of our belongings (pack light if you find yourself thrilled to be driving around in a convertible). Seated in our shiny red convertible,feeling as though “the world is mine,” we decided to drive to Stanley Park. We paid for parking then walked to the garden, inhaling the beautiful scent of the various flowers – at which point we decided to head to the aquarium, which was nice, but a bit overpriced. The aquarium didn’t offer more than most any other, including the show, but the one thing we didgenuinely enjoy was the 4D Black Bears Salmon Show … a nice experience on how Brown Bears live in the British Columbia area. A great show yes – but if you’ve been to any out of the ordinary aquariums in the past, you might want to skip this one to avoid disappointment

Continuing with our afternoon, we walked a few miles along the seawall, which was quite pretty, peaceful and very relaxing.

Then we continued onto the 9 O’clock Gun/Cannon. This gun goes off each night at 9 pm, which frightened my wife the first time she heard it (I found her fright a bit cute), though I quickly comforted her in explaining what it was.– Prepare your wives ahead of time–
After much walking, our feet were speaking to us in languages even we didn't understand – though we were sure it meant “OUCH” – so we headed back to the car, put down the roof and drove around the park to enjoy the rest of the beautiful scenery. We stumbled across a lookout point that was undeniably breathtaking and demanded we step out of the car to get a better look. A wise choice, as the sea standing below, with the mountains and cityscape above was a view not to be missed. «There’s too much to see and talk about at this park – so I’ll share this link with you to give you a better idea. – Remember to wear comfortable shoes– Vancouver Stanley Park

Stanley Park, Vancouver, BC, Canada

Stanley Park Vancouver BC Canada
Back to the hotel, now in need of parking, we realized that the hotel parking was $40. For a 4 day trip, I’m sure you’ll find that to be a bit expensive. Street parking was also difficult to find, so we parked at the Convention Center across from the hotel, where parking was only $25 for the night. «Cha-Ching«

On a side note, parking isn’t particularly necessary in Vancouver, as public transportation takes you anywhere you need to go, arriving often –cycling is also another option. The only time you might need a vehicle is when visiting Whistler, which offers a wonderful resort and spa.
Whistler Resort and Spa

Nearing dinner time, yet not quite ready to stop our sightseeing, we walked over to the Convention Center for FlyOver Canada,a 4D experience that’s a “must do” if in the area. This is an individual experience, consisting of 2 rooms (2 separate experiences), so you must go in one at a time and infants are not allowed. The first room was an all of the seasons in Canada experience. It was kind of cool, but nothing major. The second room was an awe-inspiring experience, a virtual flight simulator that brings you right into the entire experience … Flyover Canada. «««FANTABULOUS «««
To quote their site “See Canada like never before at Vancouver's new must-see attraction! At its core, FlyOver Canada is a breathtaking, all-ages, flight simulation ride like no other! You will take off into a huge dome screen with the latest in projection and ride technology creating a true flying experience (complete with wind, scents, and mist!). At FlyOver Canada you will spend approximately 30 minutes getting introduced to our great country. You will first enter the preshow area where you will be immersed in an audio-visual show of Canada "up close and personal" before heading to the boarding zone for your preflight briefing. You will then hit your flight deck and spend 8 minutes on the unforgettable Ultimate Flying Ride soaring east to west over some of the most spectacular scenery the country has to offer.”
It was an “all senses” experience like no other. It covered every part of Canada, skiing, country sides, farms, cities, land, water, different seasons, Niagara Falls and  so much more – very lifelike. There’s simply no way to fully describe the experience, other than to send you to their website to “Watch The New Flyover Canada Ad” – though keep in mind, while actually there, you are made to feel as though you are physically a part of the experience.  FlyOver Canada Website & Ad Video

After venturing about and experiencing so much in one day, we left the Convention Center,
which was near the sea, stopping to watch the beautiful sunset before going back to the hotel,
warmed our kosher meals and fell asleep after a Wonderful Day in Vancouver.
««« SCHLUFF «««

Please check back soon for Day 2 – 4 of the Vancouver Trip Report Vancouver Trip Report