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Monday, December 3, 2012

Eight surprising ways to raise your credit score

Boosting your credit score from merely good to great will give you access to the best offers and best rates on nearly everything. Here are the best ways to do it.?

By Angela Colley,?Contributor / December 1, 2012

In this March 2012 file photo, consumer credit cards are posed in North Andover, Mass. As long as you pay down your balances, asking for a higher line of credit can be a great way to boost your credit score, Colley says.

Elise Amendola/AP/File

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In 2011, 62.3 percent of people had a credit score between 749 and 300, according to the?MyFICO blog, managed by the Fair Isaac Corporation. Most people in that range fell between 650-699 (12.1 percent) and 700-749 (15.5 percent).

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1. Dispute errors?even the small ones

Your first step: Order a copy of all three credit reports from the major players ? Equifax, TransUnion, and Experian. You can order one free copy per year from each credit bureau through?AnnualCreditReport.com. Order your reports, print a copy, and start reviewing.

Look for the big errors first, things like accounts that don?t belong to you, paid balances that are showing as unpaid, and credit limits that are reported incorrectly. Highlight each one of these errors and then dispute them with the credit bureau. You can file a dispute online through each of the credit bureaus? websites:

After I disputed the big stuff, my financial adviser told me not to sweat the small things like credit inquires or incorrect dates. I didn?t listen. Instead, I disputed everything, thinking every point mattered. If a creditor pulled my credit without my permission, I disputed it. If my?credit card?company reported my balance higher than it should have been six months ago, I disputed it. In total, I raised my credit score 88 points by disputing every little error.

By law, the credit bureaus must investigate valid claims and remove inaccurate information, but if you run into trouble, complain to the?Consumer Financial Protection Bureau.

2. Add missing accounts

Once I cleaned up my credit history, I started looking for ways to build it. I did this by looking for credit lines that could have been included in my file, but weren?t. For example, I?ve had a cell phone in my name for 10 years, but those payments didn?t appear on my credit report. So I made a list of every company I paid monthly, contacted the companies, and asked them to report my payment history to the credit bureaus. Below are the types of companies that were willing to report on my behalf:

Wireless provider
Cable and Internet provider
Utility company
Telephone company

Keep in mind, however, that no company is required to report your payments, on-time or not, and many utility companies won?t. So when you approach companies like those above, you?re asking for a favor, not making a demand. To learn more about utilities reporting to credit agencies, see "The Movement to Put Utility Payments on Credit Reports"?from the New York Times.

3. Pay down your highest balance

If you?re carrying balances on several credit cards, it?s tempting to pay off your smaller balances first, thinking that will motivate you to attack the larger debts. But if you?re trying to boost your credit score quickly, you should start by paying off the credit card with the lowest available credit limit. For example, say you have two credit cards. One credit card has a $1,600 limit with a $400 balance, which means 25 percent of your available credit is being used. The second card has a $1,000 limit with an $800 balance, meaning 80 percent of your available credit is being utilized. In this case, the second credit card is doing worse damage to your credit score because of its higher utilization ratio. Pay it off first and your credit score will improve faster.

4. Pay by your report date, not your due date

Obviously, if you want good credit, you?ll pay your bills on or before their due date. But if you want to maintain a high credit score, it may be a good idea to pay some earlier ? before balances are reported.

For example, say your credit card company reports your balance to credit reporting agencies every month on the 10th, but your bill is due on the 20th. At the first of the month you charge $5,000, but pay your bill in full on the 20th. As far as you?re concerned, you?re not carrying a balance: you got your bill and paid it by the due date. But if someone checks your credit on the 15th, the credit reporting agency will report you have a $5,000 balance.

I called my creditor and asked what day they reported my payment history, which turned out to be a week earlier than my due date. From that moment on, I?ve made my credit card payment before the reporting date, not the due date. That means if my credit is pulled, I always show a zero balance on my plastic.

5. Blend your credit

Three years ago I applied for an auto loan and was denied because I didn?t have a good mix of credit types. Lenders like to see that you can manage different types of credit and handle multiple accounts at once, but I only had two major credit cards. So I applied for a small installment loan (one with fixed payments and an established due date) from my bank and paid it back over 12 months. Adding installment credit to my already established revolving (credit card) credit lines boosted my credit score by about 30 points.

6. Keep using your credit cards

Several years ago I heard a nugget of financial wisdom, ?When you?re rebuilding your credit, tear up your credit cards.? Now, if you?re struggling to manage your spending habits, this is sound advice, but if you?re just trying to raise your credit score, cutting up your?credit cards?can be more harmful than helpful. For example, I spent nearly a year trying to improve my credit score. During that time, I put a small amount on both of my credit cards each month and then made sure I paid the balance on time. While I was disputing errors and working on building up new credit, I was also adding 12 months of on-time payments to my existing credit score.

The bottom line ? every month counts. If you can manage your credit cards, keep using them.

7. Ask for a credit line increase

Your credit utilization ratio, mentioned briefly above, is something lenders use to see how you?re managing your available credit. For example, if you have a $15,000 available credit limit and a $400 balance, you?re utilizing little of your available credit, so you look strong. If you carry that same $400 balance on a card with a $500 credit limit, you?ve borrowed nearly as much as you can, making you appear more risky.

While paying off your balance is the best solution, I found a quick fix that improved my credit score while I was paying off debt. I simply called my credit card company and asked if they would increase my available credit limit. They agreed and raised my limit, which lowered my overall credit utilization ratio and gave me a 15 point boost.

8. Protect your credit (once you have it)

Once your credit score is in the prime range, do everything you can to protect it. When you have several late payments, collection accounts, and charge-offs, one mistake won?t hurt you too much, but when you have a near-perfect credit score, even one late payment will cause a big drop. Make sure you pay your bills on time, don?t max out your credit cards, and never co-sign for someone else?s debt. If the co-signer doesn?t pay the bill, your credit could end up worse than ever before.?

Angela Colley is a writer for?Money Talks News, a consumer/personal finance TV news feature that airs in about 80 cities as well as around the Web. This column first appeared in Money Talks News.

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/VvuWAtnOJP4/Eight-surprising-ways-to-raise-your-credit-score

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Sunday, December 2, 2012

Long-term research reveals how climate change is playing out in real ecosystems

ScienceDaily (Dec. 1, 2012) ? Around the world, the effects of global climate change are increasingly evident and difficult to ignore. However, evaluations of the local effects of climate change are often confounded by natural and human induced factors that overshadow the effects of changes in climate on ecosystems. In the December issue of the journal BioScience, a group of scientists writing on long-term studies of watershed and natural elevation gradients at the Hubbard Brook Experimental Forest in New Hampshire and in the surrounding region report a number of surprising results that may shed more light on the complex nature of climate change.

According to Peter Groffman, one of the lead authors and a principal investigator at the Hubbard Brook Long Term Ecological Research (LTER) program, these studies highlight the value of long-term integrated research to assessments of the subtle effects of changing climate on complex ecosystems.

"This analysis shows the power and value of long-term ecological research," says Groffman. "The ability to use long-term data streams as a platform for asking detailed questions about complex changes in the environment is the only way that society will be able to grapple with how climate change is playing out at the local scales that most directly affect people."

While the scale and pervasive nature of climate change can motivate scientists to try approaches that depict atmospheric and ecosystem processes at regional and global scales, these approaches may not give a complete and accurate assessment of the effects of climate change on ecosystem structure, function, and services at local scales.

Because climate change plays out on a complex and dynamic landscape with intertwined patterns of soils, vegetation, and hydrologic flowpaths and interacts with many human and natural factors over many areas and time periods, the report says the various effects of climate change cannot be predicted purely from the broad effects of temperature and precipitation on ecosystem properties.

The authors argue that long-term integrated studies, such as those conducted over the past 50 years at Hubbard Brook, should be an essential component of climate change research and assessment. In their estimation, a combination of long-term and in depth measurements is essential for understanding the interplay between climate and forest ecosystem dynamics.

At Hubbard Brook, that interplay has produced surprising effects on hydrologic variables such as evapotranspiration, streamflow, and soil moisture; the importance of changes in periodic biological occurrences on water, carbon, and nitrogen fluxes during critical transition periods; climate change effects on plant and animal community composition and ecosystem services in winter; and the effects of human induced disturbances and land-use history on the composition of plant communities.

The report recommends further research on how climate change affects multiple components of ecosystem structure and function at specific sites to investigate what determines the composition of plant and animal communities, the rate of flow of water, and other natural and human elements that impact ecosystems in many areas of the globe.

Groffman says the results from these detailed studies should be incorporated into broader approaches that include modeling, experiments and long-term monitoring at multiple scales. The report suggests that coordination of long-term research efforts and development of common approaches will improve the scientific understanding and response to the overarching challenge that climate change presents to science and society.

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The above story is reprinted from materials provided by University of New Mexico, Long Term Ecological Research (LTER) Network. The original article was written by Thomas McOwiti.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.

Note: If no author is given, the source is cited instead.

Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/top_environment/~3/dlYOIKF_eaQ/121201085917.htm

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Global clothing firms say Bangladesh must ensure fire safety

DHAKA (Reuters) - International garment firms have demanded fast action to ensure the safety of Bangladeshi textile workers, a week after a plant fire killed more than 100 people, a senior industry official in the country said on Saturday.

Mohammad Shafiul Islam, President of the Bangladesh Garment Manufacturers and Exporters Association (BGMEA), said a 19-member buyers' forum was blunt in suggesting it would "lose confidence" in the country's industry unless change came fast.

Rights groups have called on big-brand firms to sign up for a fire safety program.

Islam quoted company officials at the meeting on Friday as saying that while some factories in Bangladesh observed safety regulations, "many of them do not comply with these".

"Now we want to see proper action towards implementation of compliance issues, instead of commitments," he quoted Roger Hubert, Vice-President of Hong Kong-based Li & Fung Ltd, as telling the meeting.

Hubert, he said, pledged financial support for the families of those who died in the fire. Representatives of Li & Fung and other companies present were unavailable for comment.

Last week's fire at Tazreen Fashions, Bangladesh's worst-ever industrial blaze, was blamed by authorities on saboteurs. Police say narrow exits trapped workers inside the nine-storey building, killing 111 people and injuring more than 150.

Three employees have been arrested and police say they are being investigated for suspected negligence.

Several hundred workers demonstrated outside the gutted plant on Saturday demanding what they said was three months in wage arrears. Protesters briefly blocked a highway and other plants in the area stopped work, fearing vandalism.

A senior official from the BGMEA said the association had agreed to pay one month in back wages on behalf of the plant and was trying to settle all outstanding issues.

The fire has drawn attention to global retailers that source clothes from Bangladesh where wages are low - as little as the equivalent of $37 for some workers.

The meeting was attended by representatives of major clothing companies, including H&M, TSS, SEARS, TCHIBO, Global Merchants, GAP Inc, Nike Inc, LEVIS, Kappahl, Carrefour and Primark. No representative of Wal-Mart Stores Inc. was present.

Islam said he told the companies his association would form a task force next week to uphold safety regulations at individual plants.

"We have described the post-fire situation as a crisis in the industry and requested all stakeholders to come forward with a collaborative approach to address the crisis," Islam said.

The association, he said, had been trying to communicate with Walmart. The U.S. retail giant this week said one of its suppliers subcontracted work to the factory without authorization and would no longer be used.

Other retailers, like Gap and Nike, denied any relationship with the workshop.

(Editing by Ron Popeski)

Source: http://news.yahoo.com/global-clothes-firms-bangladesh-must-ensure-fire-safety-100206292.html

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Riki Ott: Unfinished Business: The Unspoken Link Between ...

All six of Julie Creppel's young children are sick. Vomiting. Blisters all over their bodies, even in their throats. Boils. Severe headaches that wake them up screaming at night. Nausea. Fevers. Diarrhea. Stomach spasms that contort their bodies in pain. Skin lesions. Psoriasis. Nose bleeds that gush unexpectedly. Respiratory infections. Dizziness. Sinus infections. Hand, Foot, and Mouth disease. Hair loss. And more.

The Creppels live in Boothville, La., in south Plaquemines Parrish. Area health clinics and hospitals are experiencing an influx of sick children for treatment for a range of symptoms that began after the BP oil disaster. The increase in numbers of sick children coincides with the massive spraying of toxic chemical dispersants into the water and air that began in 2010. More troubling is the fact that the children are still having these symptoms to this day.

The Corexit dispersants used in the Gulf are known human health hazards, causing eye and skin irritation, respiratory problems, harm to liver, kidney, and blood cells, injury and even death to unborn babies, immune suppression, skin disorders, and more.

Not surprisingly, the symptoms Julie's children suffer are epidemic across the Gulf states that were impacted by the BP disaster -- and the secondary disaster, the widespread use of Nalco's Corexit dispersants. Most medical doctors in the Gulf have continuously treated the sick with standard drugs used for infections and viruses. Nasonex. Citirizine. DryMax. Azithromycin. Zofran. Cefdinir. Xopenex. Amoxicilin. Flovent. Suprax. Viravan-P. Albuterol. Cefixime. Ichitha ointment. Budesonide. And more.

Some of these are potent drugs that children should not be taking for long periods of time because of side effects, including, ironically, many of the very symptoms being treated. They are taking the drugs for months and now even years because the children (and adults) are not getting better. So the medical doctors prescribe more drugs, but the persistence of the symptoms belies the diagnoses.

This child suffers from frequent spontaneous nose bleeds, a symptom consistent with chemical exposure. (photo courtesy Kindra Arnesen.)

The same child also experiences unexplained hair loss. (photo courtesy Kindra Arnesen.)

It should be clear to the medical community by now that they are misdiagnosing the illness and mistreating the patient. I believe the children are suffering from chemical illness, not from biological agents. This should have been clear back in 2010 after the first six to eight rounds of antibiotics and medication prescribed for babies, elders, coastal residents, visitors, and spill responders didn't clear the symptoms. It should have been clear two years after the disaster in March 2012 when BP completely reversed its position of denial of any harm to human health from oil-dispersant exposure and listed pages of same symptoms and illnesses that people had been reporting for two years as now covered by the BP medical benefits settlement (Exhibit 8) -- so-called, I can only suppose, because it mostly benefits BP, but that's another story.

The problem is the illnesses ??-- like BP's oil?? -- just don't "go away" because it's an inconvenience for oil companies and the federal government in charge of an impossible situation: There is no way to clean up oil spills, including tar sands spills. But there are many ways to lessen the impacts to workers and the public, none of which have been done to date in the Gulf.

Plenty has been done to lessen the liability and financial impacts to BP and the other companies involved in this tragedy. The most recent injustice was when U.S. District Judge Barbier dismissed Nalco from lawsuits over health problems stemming from use of its products. Barbier shielded Nalco from liability because, he reasoned, the dispersants had been approved by the federal government, and in most cases pre-approved by the Gulf states for use during spill response. The judge also was noted that a lawsuit might have a "chilling" effect on future use of these same dispersants in oil spill response -- exactly the opposite effect desired by the federal government and the oil industry.

The two main dispersants stockpiled in the United States for use on future spills are Corexit 9500 and Corexit 9527A -- the same dispersants that were known to be harmful to ecosystems and humans before the BP disaster, and that proved to be so after the disaster. These two dispersants are stockpiled in coastal communities around the contiguous United States and in Alaska and Hawaii. Most are owned either by the U.S. Coast Guard regional strike teams or the major national Oil Spill Response Organizations.

The federal government shields itself from any liability for use of these and other dangerous oil spill response products. Even worse, the federal government now considers human health an acceptable "risk tradeoff" for dispersant use. The March 2012 Dispersant Use Initiative, a document intended to guide and plan research needs and decision-making in future spills, states that key needs include, among others, "understanding risk to workers and public safety, and communicating the risk successfully, and understanding the trade offs of using dispersants with respect to human health" (emphasis added).

In other words, what happened in the Gulf of Mexico could happen to anyone who lives or works near, or recreates, or visits America's coasts. Many of the same chemicals in dispersants are also ingredients in diluents for tar sands and drilling fluids for hydraulic fracturing and manufactured by -- guess who -- Nalco. We need to stick together on this one, or all get sick together. Making it right in the Gulf is up to all of us before the next marine oil disaster.

Here are some suggestions for how YOU can help make it right in the Gulf.

1. Write a short letter to the U.S. Environmental Protection Agency in support of the People's Petition to amend the National Oil Spill Contingency Plan to ban toxic chemicals, including Corexit dispersants, from use in U.S. territorial waters. The letter should refer the People's Petition, document number AX120019088, and state who you are, why you care, and what you want the EPA to do. Personal letters carry more weight than form letters. Mail to: Lisa Jackson, Administrator, U.S. Environmental Protection Agency, Ariel Rios Building, 1200 Pennsylvania Avenue NW, Washington, DC 20460.

2. Find out what dispersants or products are stockpiled in your backyard for oil spill response. Start by contacting your State Emergency Response Commission (google State name + SERC). The SERC page will list all the Local Emergency Planning Committees. Contact an LEPC near you and ask for a complete list of oil spill response products, which they will have as required under the Community Right-to-Know Act. For coastal communities, I would be surprised if that list did not include the ubiquitous Corexit dispersants. Raise local support to have your municipality pass a rights-based resolution to ban toxic dispersants and chemicals during oil spill response within the city's jurisdiction. A resolution template is available at www.ultimatecivics.org.

3. Ask your congressional delegates to hold hearings to investigate the link between Corexit dispersants and public health, especially children's health, in the Gulf of Mexico. Ask your delegates to support banning Corexit dispersants used during the BP Gulf disaster, as human health "tradeoffs" cannot be justified.

I would like to personally appeal to Warren Buffet to fund community health clinics in the Gulf of Mexico. His stock trading company Berkshire Hathaway bought shares of Nalco in 2009 before the BP disaster as an investment on water filtration, which at the time was most of Nalco's business. Berkshire divested its Nalco holdings in late 2010 -- after Nalco made millions in dispersant sales. The idea for community health clinics originated within the impacted communities as a way of getting treatment for immediate needs, but it was cherry-picked by BP as the centerpiece of BP's medical benefits settlement. One clinic in particular in Jean Lafitte, La., was ready to open its door to clients in fall 2011 but the doors remain closed because the settlement is stalled in court. Opening that clinic, now and independent of BP controls embedded in the settlement, could be done with private donations to the Jean Lafitte Health Clinic.

Early into the BP disaster, I warned people about the short- and long-term consequences of exposure to oil and dispersants. Now those consequences are hitting home -- especially vulnerable are the children. Don't believe those BP ads. We need to all help make this right for real.

Riki Ott will be touring the Gulf of Mexico in February, helping communities organize at the grassroots level to ban toxic chemical dispersants. Persons interested in hosting a training should contact via her web site, www.RikiOtt.com.

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Source: http://www.huffingtonpost.com/riki-ott/unfinished-business-the-u_b_2219493.html

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Saturday, December 1, 2012

Fed officials spar on effectiveness of current monetary policies

CHICAGO (Reuters) - Federal Reserve policymakers sparred on Saturday over the U.S. central bank's unprecedented efforts to push down long-term borrowing costs, offering widely differing views on the effectiveness and costs of current policies.

"We are in a period where having low policy rates for a very long time would be helpful," Charles Evans, president of the Chicago Fed, said on a panel sponsored by the University of Chicago's Becker Friedman Institute for Research in Economics.

Evans, among the Fed's most dovish policymakers, repeated his call for keeping rates low until unemployment falls to at least 6.5 percent, as long as inflation does not threaten to rise above 2.5 percent.

But Charles Plosser, president of the Philadelphia Fed, who spoke on the same panel, said he is worried that the continuing high unemployment rate may mean the Fed's policies are not working as expected. He also expressed concern about the Fed's challenges when it comes time to reverse its low-rate policy.

"History suggest that it's always been easier for the Fed to lower rates than to raise them," Plosser said.

A third policymaker on the panel, Minneapolis Fed President Narayana Kocherlakota, sided with Evans.

"I think we are falling short on both metrics, more so on employment than inflation " he said, referring to the Fed's mandates to keep prices stable and to maximize employment.

Unemployment has remained stubbornly high, ticking up last month slightly to 7.9 percent.

(Reporting by Ann Saphir; Editing by Leslie Adler)

Source: http://news.yahoo.com/fed-officials-spar-effectiveness-current-monetary-policies-225741298--business.html

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Spotted: Halle Berry and Nahla Book It

Amid all the drama in her personal life, Halle Berry tends to her little bookworm, 4-year-old Nahla, in Los Angeles on Thursday.

Source: http://feeds.celebritybabies.com/~r/celebrity-babies/~3/zj4pHLEHJmw/

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REWIND: International Business News #46

Four Spanish banks will soon receive a total bailout payment from the European Commission of US $48 billion.? The four banks, BFA/Bankia, NCG, Catalunya Bank and Banco de Valencia, are expected to implement thousands of layoffs as part of a condition required by the EC that they be restructured.? The funds will be disbursed by the European Stability Mechanism, which is ?a permanent international financial institution that assists in preserving the financial stability of the European Union monetary union by providing temporary stability support to euro area Member States.?? The restructuring/funding initiative will lead to the integration of Banco de Valencia into Caixabank, and a cut in the balance sheet of each of BFA/Bankia, NCG, and Catalunya Bank by more than 60 percent over the next five years. Notwithstanding this bailout, some experts posit that the Spanish banking industry will need further bailout funding in the future.
BP has been temporarily suspended from further federal contracting by the U.S. Environmental Protection Agency.? The move comes after the EPA expressed concern that BP exhibited a lack of business integrity after the Deepwater Horizons oil platform explosion and subsequent oil spill that led to mass-scale pollution throughout the Gulf of Mexico in 2010.? Earlier this month, BP agreed to pay US $4.5 billion in connection with a guilty plea to criminal charges that arose out of the environmental disaster. The EPA said the suspension was ?standard practice when a criminal case raises responsibility questions about a company.?? Some have expressed the concern that the ?suspension could threaten BP?s dominance in the Gulf of Mexico where it is one of the largest producers of oil and natural gas and ? hamper BP?s ability to maintain its position as a top supplier of jet fuel and other refined products to the U.S. military.? Coupling these concerns with the fact that there does not appear to be a set timetable for when the suspension will be lifted, one might expect to see an impact on the per share price of BP stock. But, through Wednesday afternoon, the per share price did not appear to be materially affected.
Smith & Nephew is set to acquire substantially all of the assets of Healthpoint Biotherapeutics, a business that is involved with bioactive debridement, dermal repair and regeneration wound care treatments.? According to Smith & Nephew CEO Olivier Bohuon, the acquisition, which carries a purchase price of US $782 million, gives Smith & Nephew a ?strong position in the fast growing area of bioactive wound care treatment.? ?The global advanced wound care market was estimated to be $6.7 billion in 2011? and is expected to experience continued growth into the next decade.
John Lechleiter, who is both the Chairman of the industry group Pharmaceutical Research and Manufacturers of America (PhaRMA) and the CEO of Eli Lilly & Co., is meeting with officials of the Chinese government on behalf of the industry group. The meetings will include discussions about how to make the drug approval process in China more efficient. Currently, ?China takes eight years longer on average to approve drugs than other major countries and U.S. drugmakers are looking at ways to help speed things up.?? With the ?world?s fastest-growing pharmaceuticals market,? China is a target of companies like Eli Lilly for operational and research expansion. That company ?itself plans to conduct simultaneous late-stage tests in China for products,? with the five year goal being the introduction of more than a dozen products, and the shorter term objective being a continuation of its recent annual trend of growth of 25% in sales in that country.

Source: http://www.bizwithoutborders.com/rewind/rewind-international-business-news-46/

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