Tuesday, October 30, 2012

Guidelines For Establishing A Good Credit Report After Marriage

Establishing credit is essential after marriage if you want to build a healthy financial life as well as your marital life together. You need credit to obtain credit cards, joint bank accounts, mortgage loans, car loans, etc. Thus, it is a good idea to give the first steps from the beginning so as to start building your credit right away and make good use of it whenever you need it.

Following are some tips on how to start establishing a good credit history. There is no particular order that you need to follow. However, we strongly suggest that you try to find out about your current credit situation. First of all, obtain a free copy of your credit report to see if you already have some credit history and you didn't know it.

Getting A Free Credit Report

As stated above, you need to obtain a free copy of your credit report. Why free? Because there is no reason for you to pay for information that third parties have about yourself. Regulations have recognized this and force credit bureaus to provide you with a copy of your credit report free of charge at least once a year. On some states the timeframe is even shorter and you can obtain a free copy twice a year or even more often.

In order to do so, you can contact each credit bureau directly or resort to one of the many online sites offering access to your credit report for free. These sites also offer many different services (credit related) that you may find useful. These services include: monitoring services, credit repair services, financial and legal advice, etc.

Secured Financing

Sometimes it is hard to get financing when you have no credit at all. However, it is possible to do so by offering some asset as collateral. A good idea is to use your car as collateral if you own it. There are many lenders out there that will be willing to accept a car as collateral to secure a loan. That will guarantee you both approval and advantageous terms on your loan.

An alternative for establishing credit is to apply for a secure credit card. A secure credit card will provide you with the same benefits as an unsecured credit card with the sole difference that you'll have to make a cash deposit that will act as your credit limit. Up to that amount you'll be able to use your credit card without problems. The regular payments of your credit card balance will be recorded into your credit report and consequently build a clean and positive credit history for you.

Mortgage Financing: Down Payments and Co-signing

The key to get a good credit report from scratch is to obtain a mortgage loan and keep your payments timely. To obtain a mortgage loan without credit, you can offer a high down payment that will show the lender your ability to save and thus, your ability to repay your debt. Alternatively (or jointly) you can get the aid of a co-signer with a good credit score. The co-signer will also be obliged to repay the loan in case you fail to meet the monthly payments. Thus, the lender won't have problems when it comes to approving your loan. And the monthly payments of your home loan will greatly contribute to establishing a clean and financially healthy credit report.

Sunday, October 28, 2012

Making the most out of personal loans

Human needs are endless. You can't expect that your each and every wish will materialise. However, personal loans can help you fulfill many of your financial needs. The versatility of these loans cannot be doubted. Your life may not be smooth; a lot of ifs and buts may be there; but these loans are always smooth and flawless, helping you out in most of the situations.

Whether your home needs to be improved or you want to go on holidays, the money is always a big factor. If you have enough savings, all is good and well. But, if savings are already depleted then try borrowing money from some lender. The lenders should also understand that they provide loans quickly or else the purpose of the loan may be defeated as far borrowers are concerned. In this competitive age, the time is of utmost essence. If any lender does not provide fast and quick services, the consumer will shift to a better competitor.

The modern version of personal loans online personal loans makes the loan process a lot easier. Using an online loan application, you can apply for a loan and tell the lender about your financial requirements. The lender may come up with a plan that is suitable to your needs. A better way to take out a personal loan is to apply with several lenders so that you can have a choice to make a good decision.

Many people are using personal loans to improve their homes. A survey conducted by Dynamic Markets for GE Money Home Lending in May shows that how people can increase the value of their homes. The survey lists top ten improvements that can be done to increase your home's value. If you carry out a loft conversion, it will help you in adding 22,300 pounds to your home on an average. Similarly, you can use personal loans in various other ways and make the most out of them.

Sunday, October 7, 2012

Makeup Artist Resume Sample

Are you an aspiring makeup artist? If yes, then you need to learn how to draft a good makeup artist resume. Use the sample resume for make up artist given in this article as a guideline for your needs.

While writing a resume, whichever job you are applying for, the things that you need to pay attention to, remain more or less the same. Your experience, educational qualifications, and skill set are some of the most important things that you will need to focus on. Whether you are drafting a makeup artist resume or a resume for the job of a tech analyst, always focus on the three categories mentioned earlier. Keep the tone of the resume formal and professional. Try to be brief. A long, elaborate resume can often be discarded only because of the details that an employer will need to go through.

How to Write a Makeup Artist Resume

While drafting a resume, as a makeup artist, the first thing that you need to concentrate on is what your objective is. This determines the purpose of your resume, which is very important. When a professional from the human resources department shuffles through the many resumes he receives, a well written and precise objective can grab his attention. Next, it is important to pay attention to the qualifications you are putting on your resume. Always list out your qualifications and concentrate on the skills to put on a resume. A well drafted skill set will tell your prospective employer exactly how you would suit the job at hand. As a makeup artist your work experience will determine not only the kind of jobs that come your way but also the makeup artist salary range that you fit into. An apprentice will definitely not get the same kind of work that an established makeup artist will. Therefore, it is important that in your makeup artist resume you focus your attention on your work experience. List out every duty that you were responsible for at your workplace. This helps focus on your different capabilities. If you have done a degree or diploma in your field of interest, then it is important to make sure that your educational qualifications are highlighted in your makeup artist resume.

A resume for makeup artist should also have your contact information. If you deem it necessary you can offer to include reference letters with the resume. If you do so, then provide your prospective employers with contact information for your references as well. When you are sending out the resume, you may decide to send out a cover letter as an accompaniment to the resume.

Makeup Artist Resume Sample

Now you know the resume writing tips that will help you while drafting a makeup artist resume. While some people prefer using a makeup artist resume template as a guideline, there are others who find it easier to refer to a makeup artist resume sample. In this article, we give you a resume sample for makeup artist, for your ease.
Jennifer Kingsley
834, Elm Street
Clover County, USA - 3842
Home: (978) 696-0897
Cell: (860) 089-9786


To gain employment as a senior makeup artist.

Talented makeup artist with an experience of more than five years in the industry.
Good communication skills which make interpretation of job at hand, ideating with clients, and providing them with accurate representations of what they want easy.
Good knowledge of advanced artistry in the makeup field and ability to stay ahead of the curve where latest trends are concerned.
An ability to multitask and manage several projects at once in an industry where time is of utmost concern.
An in depth understanding of lighting, camera angles, and impact of special effects on makeup.

Studio 18, Minneapolis
2005 - Present

Makeup Artist
Clarification of all requirements that clients have after in depth discussion.
Research of the look required according to the demands of the script.
Ascertaining the budget for meeting the visual requirements of the script.
Discussions with the production team, cast, and crew to finalize the looks for the project at hand.
Assigning members of the makeup team to different cast members and determining, in coordination with the design team, that no look is incongruous.
Maintaining a log book and portfolio of the various looks and styles for different projects.
Development of prosthetics and manipulation of hairpieces and wigs.
Knowledge of the best suppliers for the various products for makeup and hairstyling needed for various projects.
Educational Qualification

B.A., University of Minneapolis, 2004
Diploma in Cosmetology, Galaxy Cosmetology School, 2005

So now you know how a professional makeup artist resume should be drafted. There is no set method that can help you learn how to write a good resume. Just follow all the tips given in this article and focus on the qualifications that make you a capable candidate for the position at hand, and you should have no problem drafting a good resume for yourself.