January 26, 2017 · Financial Services · (No comments)

By Justin Grey

A prepaid card is a great choice for persons who are lacking the required fico score to get a normal credit card. Just as the term signifies, a prepaid card is a card through which an individual could first deposit cash and afterwards use all over the world where regular credit cards are accepted. There are a lot of positive aspects with such cards. The leading one I can assume about is the simplicity it presents you whenever you pay for materials from the net. Given that you cannot get past the limit on a prepaid credit card, you might easily restrict the amount of harm caused when anyone steals your card details.

Hunting for a prepaid credit card is extremely simple as long as you know where to hunt. Among the places you ought to look for is on main credit card online websites. Many companies give prepaid credit cards these days and it is definitely better to have directly from the original source in case you like to have one. You might in addition find one on the internet by merely typing “prepaid credit cards” in Google or Bing search engine box. As a result, you will be able to view several alternatives to be had. The best thing is that there are countless prepaid credit cards accessible for Canadian buyers.

Nevertheless, previous to you register for a prepaid credit card, make certain that the card you decide on gives record of your credit information to every reputable credit reporting organizations since many organizations report but other providers will not. Should you decide on a card which will not send report, you will lose one of the major bonuses a prepaid credit card will grant you, restoring your fico score. When you have a low credit rating and hope to increase your credit score you’ll definitely be able to accomplish this through prepaid card. Once you haven’t got any credit card you have no credit ranking and lacking a strong credit ranking, you don’t have a chance of seeking a mortgage or automobile loan in the end.

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There are numerous other conveniences of prepaid cards, such as ensured sanction credit card. You are going to find a lot of individuals who have below average credit report and plan to start a fresh with a fresh credit record and are actually anxious to acquire a guaranteed approval credit card. This assures that they find a credit card and embark on their credit score with Equifax as well as TransUnion. Conveniences of acquiring a credit card incorporate items such as normal shopping, hiring a car, or hotel room that often entail holding credit cards. A prepaid credit card offers it users the liberty that other people enjoy every day.

A few additional matters of comfort are that you can do payments on the net and you will not need to carry around considerable amounts of cash in your wallet. With security money of as little as $75 you’re guaranteeing that the credit card is certain to be paid off. It is the part where the credit card is “prepaid”. A tiny safety deposit of $75 makes it even more hassle-free for a large number of Canadians to get one. Those are the various conveniences of prepaid credit cards that are fairly new to the Canadian economy. To learn more do online search now!

About the Author: Justin is an expert in the field. For more information on

Credit Cards Canada

, and

Top Credit Cards

Please visit: http://www.ratesupermarket.ca

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isnare.com

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December 3, 2016 · Financial Services · (No comments)

By Tom Horvath

As more addiction treatment programs treat comorbidity it seems likely that client confusion about treatment approach will increase. Comorbidity is here defined as having both a mental health disorder (such anxiety or depression) as well as an addictive disorder. Client confusion might arise because CBT (cognitive behavior therapy) has become the treatment of choice for many mental health disorders, but 12-step based treatment remains the most widely available treatment for addictive disorders. Clients receiving CBT for their mental disorders can be confused when they compare the self-empowering strategies of CBT with the emphasis on powerlessness in a 12-step approach. Although 12-step treatment now often incorporates relapse prevention and other CBT components, there remains a fundamental difference in the two approaches on the issue of personal empowerment.

At present there appear to be three potential solutions to this problem. Some providers might persuade themselves that this fundamental difference in treatment approach does not actually exist. If the client agrees, all may be well. However, if the client does experience a conflict between self-empowerment and powerlessness, then one approach could be dropped in favor of the other. Thus, the second possible solution would be to take a purely CBT approach and the third solution, a purely 12-step approach. Because a 12-step approach to mental health disorders is yet to be developed and tested, solution three appears to be only a theoretical possibility.

In a purely CBT approach to both mental health and addiction, clients are taught a basic model of behavior change. This model suggests that changing negative emotional experience (e.g., anxiety or depression) and maladaptive behavior (e.g., addictive behavior) can be accomplished by identifying, testing and modifying underlying beliefs. The leaders in the use of this model for mental health disorders include Albert Ellis, Ph.D. (1913-2007), who developed Rational Emotive Behavioral Therapy (REBT) and Aaron Beck, M.D., who developed Cognitive Therapy. For addictive disorders the most prominent leader is Alan Marlatt, Ph.D., who developed relapse prevention. Many of the other CBT oriented addiction treatments (e.g., behavioral marital therapy, the community reinforcement approach, social and coping skills training) have typically been developed by teams of researchers funded by government grants and working in universities.

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The underlying beliefs that are the initial focus of CBT addiction treatment include the following, all of which are inaccurate (accurate beliefs shown also): Craving is unbearable (it is uncomfortable but it goes away). Craving makes me use/drink (I always have a choice). The experience of craving is harmful to me (it may be distracting but it hasn’t ever harmed me). I need to use or I can’t cope or have a good life (in time my life will be even better, and I’ll have new and better coping skills). I can’t change (others with even worse problems have changed; I can change if I focus and persist). If I slip I have to go all the way (I can pull out of a slip at any point, I don’t need to let it become a binge). If I stop using my life will be unbearable forever (there will be an initial transition period of weeks to months that will require substantial focus and persistence–probably more than I expected–but over time the process of recovery becomes easier and eventually may even become effortless). If I feel a certain way I have to act that way (I don’t; I may not be able to choose my internal experience but I can choose my behavior).

In early recovery, other dysfunctional beliefs emerge: My addictive behavior was completely destructive (I used because there were benefits, which at first might have been significant, but now are overshadowed by the costs). I have to completely avoid temptation (if I work by small steps in time I will build up strength to cope with temptation).

The support group of choice for a pure CBT approach to addiction is SMART Recovery (smartrecovery.org), but clients may still wish to attend 12-step meetings. Despite their overall emphasis on powerlessness 12-step meetings contain many elements compatible with a CBT perspective (e.g., paying attention to ‘stinkin’ thinkin”) and remain an unparalleled opportunity for obtaining social support.

When clients in comorbidity treatment feel confused about how to integrate self-empowerment and powerlessness, a pure CBT approach to treatment may be the solution.

About the Author: A. Tom Horvath, Ph.D., ABPP, is a board certified clinical psychologist and president of Practical Recovery (

Alcohol Addiction Treatment Center in San Diego

), an addiction treatment facility in La Jolla (San Diego), CA, focusing on collaborative care and self-empowerment.

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April 22, 2015 · Financial Services · (No comments)

By Simon Volkov

If you are wondering how to buy a house with bad credit, you’re not alone. Today’s real estate market offers more discounted property choices than ever before. In order to obtain the best price it is helpful to learn about different types of properties and the pros and cons of each.

The Internet is a great source for learning how to buy a house. Buyers can locate information about purchasing newly constructed homes, short sale real estate, bank owned homes, and repossessed properties sold through foreclosure auctions.

Another trustworthy source for obtaining reliable home buying information is real estate agents. Many realty agencies conduct seminars to help buyers determine which type of property is best suited for their needs. One area many realtors have entered into is foreclosure properties. Agents can help buyers locate exceptional deals on repossessed homes, as well as short sale properties.

Short sale homes refer to houses that have entered into foreclosure, but not yet reclaimed by lenders. When banks enter into short sale agreements they let borrowers list their home for sale for less than is owed on the mortgage note. These homes are often sold at 20- to 30-percent below market value to entice a quick sale.

Individuals who want to buy a house, but have poor credit may want to investigate creative finance options that allow them to obtain private financing. Some of the more popular options include lease purchase option agreements and seller carry back mortgages.

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Lease options can be a good choice for individuals who cannot afford large down payments. This finance option involves leasing property for 1 to 2 years with a portion of rent payments contributed toward the purchase price.

Buyers provide a small down payment to sellers and enter into a lease contract. Some sellers will lock-in the purchase price when lease option contracts are drafted, while others require buyers to pay fair market value when the contract expires. Both parties must abide by state real estate laws, so it is best to obtain legal counsel to ensure lease purchase agreements are legally binding.

Lease-to-own gives buyers the opportunity to restore their credit while working toward buying the property. Once lease terms expire, buyers obtain a bank loan for the remaining balance. It is crucial for buyers to engage in credit repair strategies to ensure they can obtain financing at the end of the contract. Otherwise, they default on contract terms and could lose all funds vested into the property.

Seller carry back mortgages can also be beneficial for buyers with bad credit. This option requires sellers to act as the mortgage financier. In some cases, sellers offer partial financing and require buyers to obtain a bank loan for the balance.

Buyers typically provide a down payment to secure the property for sale. Loan installments are remitted to the seller. If bank loans are obtained, the lender carries the first mortgage and sellers carry the second mortgage. Seller carry back contracts usually extend for 3 to 5 years. Afterward, buyers obtain bank financing for the balance owed.

Last, but not least, buyers may qualify for financing through Fannie Mae Homepath Mortgage. This government sponsored program provides special financing options to buyers with bad credit, as well as real estate investors and buyers who are looking for discounted properties.

Fannie Mae Homepath properties consist of foreclosure homes that were either repossessed by lenders or returned to banks using deed in lieu of foreclosure. When properties are financed through Homepath Mortgage, buyers are only required to provide a 3-percent down payment and do not have to pay for mortgage insurance or property appraisals.

Another benefit of Fannie Mae properties is many homes qualify for government grants offered through HUDs Neighborhood Stabilization Program. NSP grant funds are offered to buyers who purchase homes in areas with high foreclosure rates. Funds must be used to purchase or rehabilitate properties.

These are just a few ways of how to buy a house with bad credit. Taking time to become educated about various types of properties and financing options can help buyers save thousands of dollars when buying a home.

About the Author: Understanding the intricacies of how to buy a house can minimize the stress often associated with homeownership. The more you know, the better decision you can make. Real estate investor, Simon Volkov offers an extensive home buying article library at SimonVolkov.com.

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