Know your Credit scores - Fico and more.

Knowing your credit score is a part of empowering yourself for your financial future. FICO is your credit score and the system by which it is determined. In the United States. lenders and credit granting companies look at an individual's FICO score to determine how credit worthy the person is. If the score is good, credit will be extended. It will be denied if it is bad. That is why it is very important to keep your FICO score high and worthy of credit.

Determine how long you have been building credit history. The length of credit history is an important factor in determining your FICO score and keeping it high.

Check your credit history by ordering a copy of your credit report from a company such as Annual Credit Report or from the three main credit reporting agencies--Transunion, Equifax and Experian. You will see links to all in our Resources section. Your FICO score is largely based on your credit history which is reported by the three agencies that keep track of where you have credit and how well you pay your debts.


Look at how much you owe to creditors. The higher your credit balances, the lower your FICO score will become. Try to keep the balances on your credit cards below half of the limit so that it helps build your credit without showing a dependency on the card.

Monitor what types of credit you are using. Your FICO score improves if you are using credit for large ticket items like a car payment or mortgage. Your FICO score goes down if you have a lot of revolving open credit cards because there is too much access to unnecessary credit accounts.

Stop applying for new credit. The more you apply for new credit accounts, the more inquiries (called "hard pulls") are reported on your credit history. Inquiries cause your FICO score to go down. Keep all of these things in mind when you check your credit report and see your FICO score. You can determine your FICO score by following all of the step by step instructions above.

It takes time to repair your FICO score after you have done credit damage. Keep your FICO score in good shape for the future by paying your bills on time.Never have any single credit card that uses 90% or more of the credit limit. This reduces the FICO score.

Increasing your FICO score isn't hard and you can certainly take the first step and find out. Any Credit Crisis Concerns? Get 20% off FICO credit scores now


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Sony BRAVIA

There are many different manufacturers creating amazing televisions, however, Sony has been developing some of the most advanced LCD TVs on the market for years. If you are looking for a great new television, then I would suggest taking a look at a Sony product. The Sony BRAVIA 52-Inch LCD HDTV, Mod el: KDL-52XBR3 will provide you with enhanced features and an exterior design that will enhance not only your movies, but also the appearance of your living room. This LCD HDTV is recommended for those who have a large living room, as well as those who enjoy the highest-quality entertainment quality.

Product Ratings:

Image Quality: 4.5/5 Stars

Audio Quality: 4/5 Stars

Product Features: 4.5/5 Stars

Overall Rating: 4.5/5 Stars

Main Product Features:

The first feature that I found to be interesting within this 52-inch LCD HDTV from Sony is the fact that all of the image-enhancing features work so perfectly together. When you see this large screen television in action, you will be amazed at how the images really leap off of the screen. You will be able to enjoy clearer visual images with a crisp audio sound, which will enhance every aspect of your favorite movie or video game.

Another great feature this LCD HDTV offers its users is the Live Color Creation system. This unique television features backlighting that will enhance what is happening on the screen. Based on the colors that are used, the television will compliment these colors through this unique backlighting system.

With a contrast ratio of 7,000:1, the darker colors will have a deeper tone to them, which will make the brighter colors stand out even more. When you have an excellent contrast ratio, such as this television, you will never have to worry about fuzzy images or blurred colors.

This television features a response tie of 8 milliseconds, which is quite fast. The screen will feature ultra-fluid movements, which are perfect for high-action movies, or even for video games. You will never have to worry about screen distortion or blurred images due to the ultra-fast screen response time.

The audio quality of this television is also quite impressive. You will be able to enjoy the TruSurround XT Audio System, which will provide you with genuine surround sound capabilities without h aving to purchase additional speakers. This is done through the virtual surround sound technology, which utilizes different sound frequencies, which tricks your ears into hearing deep and surround sound.

Product Price:

This advanced LCD HDTV from the Sony BAVIA product line can be purchased at any major electronics retail store as well as online for an average price of $2,600.

Direct TV

Some people don't find it a waste of time to chase for the best offer in the package for a Direct TV satellite dish. A most attractive solution includes a subscription of about $20 per month with free HBO included for three months and the design of the Direct TV satellite dish system for up to four rooms. Moreover, people who wish so can benefit from an upgrade of the HD/DVR gear they already have. Presently, web pages make comparisons between the main US television network companies: Direct TV and DISH Network; thus, the common client who lacks the info on technical specificity will understand what service advantages him/her most.

With a Direct TV satellite dish you get access to a huge number of television networks whether national or international. You can find similar offers with other companies, with the specification that the uniqueness of the packages results from the fact that a certain provider has specific options for certain networks which are not to be found with the others. Millions of customers depend on Direct TV satellite dish programs as on the largest satellite service provider in the United States: the initial investment is close to zero and you are completely free to select the channels you watch.

Direct TV satellite dish option was launched back in 1994, and up to now it has entered the homes of more than 14 million Americans thanks to its fifteen-satellite system. The motto of the company is that they bring the most channels for your dollar with ESPN, HDnet, Discovery and HDNetMovies included. Moreover, HBO and Showtime are channels available for high definition programming. Any Direct TV satellite dish requires a receiver which is commonly supplied by the provider. The advantages of digital technology are now available for hundreds of programs that may have been totally unknown to you before.

In case you want to have access to more local channels with the Direct TV satellite dish, the user is charged an extra $3 fee on a monthly basis. Otherwise, you can always choose the option of pay-per-view, meaning that you are only charged for movies and special events that usually get into a standard fee category. Last but not least, sports and adult channel selections become available according to the user's interest, but they are included in the overall package provided by Direct TV. The audio and video quality of the Direct TV satellite dish signal is impeccable as long as the system is oriented towards the southern sky and there are no unfavorable weather events.

LCD TV

There are several factors that you need to consider when you’re going to choose for an LCD TV. The price and size are the most important among these factors. It might be hard for you to know all the terms used when talking about LCD TVs but once you’ve started knowing these terms, you’ll see that it’s a tad easy.
When choosing an LCD TV, you should first think of the space available for it. Is your house large enough to accommodate a massive TV or not? Of course you should also consider if you want a big one or not. Some people, despite of the hugeness of their house do not want a big TV.
To help on deciding about the size of your TV, first you should measure the space in your house where the TV will be put. After knowing this, you’ll already know how big is the TV you can put up. Also, you need to consider about the placing of the furniture in your house. Can your guests watch programs from TV at ease? If not, then you should restyle the arrangement of things in your house. There will always be a better way.
Next, measure the distance of the seats allotted for the viewers from the TV. TV’s that are at least 35 inch need to be placed 10 feet away from the seats while the larger ones need to be farther. To illustrate, a TV which is 60 inch must be 15-20 feet away from the spectators or else, their eye sights might be damaged.
Consider also the viewing angle, that is, the angle of where in the TV can be watched from the side right before the quality of the images begins to break down. Some models of TVs have better angle viewing than the other ones.
Plus, bear in mind that you also need to check the quality of the picture. The picture must be the one you are desiring for. Then go back to the screen size. Is the size of it the one that you want and can accommodate? The best size always depends on your need and not on the other kinds of TVs in the store.
Choose a TV that has anti-glare coating if the light coming from the outside is not that great. Yet, remember that all TVs are affected by lights despite of its kind. There is no exception. When fixing your room where the TV will be placed, you should not forget to consider that.
Usually, when people are talking about LCD TVs, HDTV is inevitable to be part of the conversation. If you are fond of HDTV, then choose an LCD TV with HDTV. That will be like heating two birds with one stone! Isn’t it amazing? The price of the TV will depend on its features. Before buying, I also suggest you make some research. This will help you on choosing the TV you like.
Among LCD TVs, Sharp and Samsung are the two main competitors of it. Despite of that, there is no difference whether you buy the former or the latter. Just find one that will be the best for you.

Watch for Free

1. How can I watch Free Fox, NBC, CBS, CNN and BBC Channels on Online TV?

A lot of folks now have turned to personal entertainment on their computers. With the average American spending over 16% of his daily time watching TV, you may understand why software companies have developed online TV and softwares. There are softwares that are now being retailed from the internet that enable the user to access the Free-To-Air internet Television.

The most commonly watched online TV channels include sports channels and news networks. Watching TV on the computer has revolutionalised the way people see entertainment. Working in the office or at home is no longer a monotonous serious affair.

2. How to watch popular network channel TV online for free

The most popular method of watching satellite TV on your computer flat screen or normal monitor is by use of PC TV programs. These are designed to combine several world TV stations and package them into one package. This affords the user the versatility of browsing hundreds of TV channels from the click of a mouse. One can even work on a separate monitor window while another minimized window airs online television.

The most important function of a TV is as a means of communication. For example, while watching TV in the office may be considered an unnecessary luxury or outright prohibited, it also acts to alert the audience of events on real time basis.

3. Why you may need a satellite TV on your office computer too

A company that has invested in oil stocks for example would find it handy to follow the financial news on hourly basis to get informed on stock trends.

A delay in disposal of shares after, say a break out of a war in the gulf may translate to huge losses in revenue. Since people realized the importance of TV at work, even TV sets have found themselves installed in offices.

4. Watching online CBS, FOX, NBC, ABC, CNN network TV channels for free of charge

Watching free online TV through your computer is therefore more of a necessity as opposed to a luxury. So don’t go feeling guilty because you just downloaded one of these computer TV software copies. Its all part of a day’s business. Satellite computer TV programs offer a wide selection of channels in different languages for the user.

5. Online TV on Internet in all languages including English

All world languages have at least a channels dedicated to them. What more, American are also able to watch free online TV from such networks like CBS, NBC, CNN, ABC, FOX among many others. These include also the news channels and all movies, films and music aired for free by these networks.

Having TV installed into your computer monitor is one of the best things that can happen to your home or work office. In some cases you would be able to access even adult TV from the internet.

Sugar Free

The beginnings of chocolate began in the ancient cultures of the Mayas and the Aztecs, who spent over five hundred years drinking it without sugar. Not until it was introduced to Europe that chocolate was sweetened for the refined palate that wanted a richer taste.  Fast forward two thousand years, and we’ve gone back to where it all started - sugarfree chocolate!
Although sugar-free chocolate was not very popular initially, more and more people are shifting over to it for numerous health benefits. In fact, the number of sugar free chocolates being consumed by consumers has been growing dramatically as have the number of chocolatiers that are creating new and gourmet sugarfree chocolates. Weight-watching has become an unconscious norm in our society, and with sugar-free chocolate candies, chocoholics can finally get their daily fix of chocolate with less worry about their waistlines.
Chocolate, and particularly dark chocolate, can actually be very healthy for you.  There are new studies coming out regularly regarding the benefits of chocolate to your health.  However, you have to be careful because the sugar content in it tends to wipe out any health benefits gained! Sugarfree chocolate choices are easier to find online, as compared to supermarkets. While supermarkets have a range of sugar-free and portion-controlled chocolate bars, the selection and quality of available sugarfree chocolates is greater when you are online shopping.
While there are a number of sweetners on the market, the main ingredient that most chocolate companies use in lieu of sugar is maltitol. Maltitol is essentially a type of sugar alcohol, and is a substitute for the actual sugar in sugar-free chocolates. According to research, the sugar replacement contains other compounds such as mannitol, xylitol and sorbitol.
Chocolates containing this sugar alcohol are also frequently referred to as diabetic chocolates. This is due to the fact that this sugar replacement cannot be absorbed into the blood-stream, and hence does not require insulin to break it down. So, for the diabetic chocoholics out there, there’s no call to curb those urges! Eaten in reasonable quantities, diabetic’s can enjoy a delicious gourmet chocolate break as well!
Although most chocolate companies do produce sugar-free products, they require that you read the possible side-effects from these. Eaten in large quantities, these products can have laxative effect.  Since the sugar replacement cannot be absorbed into the blood-stream, it passes through the digestive system quickly! It’s a good way to make sure that you pay attention to portion control when enjoying your sweet treat -
When watching your weight or paying attention to calories and carbs, every calorie counts! With sugarfree chocolates, you’re saving yourself a little bit of extra working out per week and still having a delicious chocolate treat once in awhile.  However, you should keep in mind that although the sugar content is gone, these chocolates still contain cocoa butter, which contains a lot of saturated fat! So keep to the limits!
There are many, many different types of sugar-free chocolate candies. White chocolate, dark chocolate, milk chocolate, chocolate lollipops, chocolate truffles, chocolate turtles, chocolate kisses, are all types of chocolate candies that can be produced sugar-free! While some companies specialize in sugar free chocolate candies, others produce only traditional chocolates. The trick is to know which sugarfree ones provide the best candies!
There are some sugar free chocolates that taste exactly like the traditional chocolates.   By using high quality ingredients and delicious flavors, these gourmet sugar free chocolates taste delicious and you can not notice that they are missing the sugar!  Due to the quality and cost of the ingredients, these products will be more expensive than supermarket type products.  However, when you want to truly enjoy some delicious sugarfree chocolates, these will truly satisfy!
In the making of sugar-free chocolates at home, always remember that the key ingredient for having sweet tasting candies is sugar alcohol! This can be obtained at most grocery stores or online shopping sites. You can get this as powder or liquid form. However, when making this type of chocolate it is slightly more difficult as compared to traditional chocolates.
All in all, gourmet sugarfree chocolates are decadent and delicious treats for the palate! Not only do they help keep you healthy, they also can taste just as good as traditional chocolates. Remember, the darker the chocolate, the more flavonoids it contains, and thus, the better for you! So if you want to stay healthy and enjoy your chocolate, why not acquire a taste for dark, sugar free chocolate candies? You’ll definitely be happier and healthier in the long run! Thinner too!

Monk on USA

Last month USA aired its 100th episode of the television show Monk. Monk has been one of the best and most critically acclaimed shows in the history of the USA network. Monk is also one of my p ersonal favorites. It is one of the few shows that my mother an I watch together. In honor of Monk's 100th episode I thought it would be a good time to look back at the 10 best episodes of Monk all-time.

Tenth Best Episode of Monk: Mr. Monk Stays in Bed

Natalie gets a tip that is too big but when she chases down the pizza delivery guy she finds that he has been killed. Monk can't help on the case because he is stuck in bed so Natalie must solve the case. The best part of the episode comes when Julie gives Monk a get well card but it just annoys Monk because it plays music. So Monk hides the card in a drawer not caring if it hurts Julie's feelings.

Ninth Best Episode of Monk: Mr. Monk is Underwater

In Mr. Monk is Underwater Monk's fears go to a whole new level. As Monk is trying to solve a case in a submarine he constantly talks to his psychiatrist, who is actually a figment of his imagination.

Eighth Best Episode of Monk: Mr. Monk Gets Stuck in Traffic

A traffic accident makes the police block off the road for a while. Monk discovers the person in the accident was murdered and one of the people they are stuck with behind the road block is the murderer.

Seventh Best Episode of Monk: Mr. Monk and His Biggest Fan

The whole cast of Monk is really good so there are a lot of great episodes but some of the episodes that stick out are episodes with great guest appearances. Sarah Silverman is hilarious as Monk's obsessed number one fan.

Sixth Best Episode of Monk: Mr. Monk Goes to the Dentist

Lieutenant Discher thinks he hears his dentist argue with somebody and kill them while Discher is falling asleep from his medicine. When Discher tells Captain Stottlemeyer about the murder nobody believes him. Discher then quites the police force to work on his band called the Randy Discher Project.

Fifth Best Episode of Monk: Mr. Monk Gets Cabin Fever
One of the best parts of Monk is at the end of each episode when Monk says "here's what happened" and explains how the murderer killed the victim. In the Cabin Fever episode there is a little twist on this. Monk and Discher both say here's what happened and they both give their account of what happened that night.

Fourth Best Episode of Monk: Mr. Monk and the Astronaut

In Mr. Monk and the Astronaut Monk claims a famous Astronaut murdered somebody even though the astronaut was in space at the time and he's a national hero. The Astronaut tries to bully Monk around but Monk wins in the end. The Astronaut is played by Jeffrey Donovan who would later star in the Burn Notice.

Third Best Episode of Monk: Mr. Monk and the Actor

Monk is starting to get pretty famous so somebody decides to make a movie about Monk. Stanley Tucci guest stars as the actor that will play Monk in the movie. Stanley Tucci does a great job of impersonating Monk's mannerisms but eventually he dives into Monk's character too far and starts to go crazy.

Second Best Episode of Monk: Mr. Monk and the Airplane

Mr. Monk and the Airplane is one of the best Monk episodes because it is one of the episodes where he has the most fears. An airplane miles in the air jammed between two passengers is not a good time for Monk. Monk has to overcome his fears and solve a crime though. Mr. Monk and the Airplane also guest stars Tim Daly which is a nice touch because he and Tony Shahloub spent years together on Wings.

Best Episode of Monk: Mr. Monk Goes to the Asylum

Mr. Monk Goes to the Asylum gets my vote for the best episode of Monk ever mainly because Kevin Nealon gives the best guest star appearance in the history of Monk. Kevin Nealon is just one of a cast of characters that are staying at the insane asylum with Monk. Nealon plays the part of a man who thinks he knows everything and thinks he can do everything.

40 Something

Hugh Laurie (House) plays Paul Slippery, a scattered doctor. He finds himself hearing peoples thoughts and forgetting things, like when was the last time he had sex with his wife, Estelle. His sons are drivin g him crazy too. When a large box comes for one of his sons, he finds a box full of sex toys and lotions. Then, there were the 32 refrigerators that were delivered to his house. Daniel is having sex with his brothers girlfriend, who happens to be his girlfriends sister. When Daniel's brother catches them, he raises the roof. Then, Daniel's girlfriend, who was away in Thailand, comes home unexpectedly and catches Daniel with her sister. On top of that he catches his wife, having lunch with his colleague, Pilfrey. He also happens to have quite a crush on Estelle and is sending her sexy emails. Plus, he also seems to be trying to steal his patients, and prescribing the same drug to all his patients..... no matter what their ailment is. What is he up to? Paul is determined to have an amorous evening with his wife, so he decides to cook a meal from an erotic cookbook. When he tells the kids to get leave and get out of the kitchen so he can cook, he can't believe what he sees. He finds everyone hitting each other with a half a dozen blow up dolls in front of his house, for all the neighbors to see. But, his hard work making his erotic dinner does the trick ,and his wife goes to put on a sexy nighty. When she comes back into the bedroom, she finds Paul fast asleep on the bed. Things heat up even more, when their son gets into his mom's email and responds to one of Pilfrey's sexy emails. Now that he believes Estelle wants him, he is totally out of control. As you can tell, Paul's life is far from boring. Can he stop his over sexed sons? Can he stop Pilfrey from going after his wife? Will he stop him from stealing his patients? Will he find out why he is prescribing the same medication to all his patients? Hugh Laurie is hysterical in this crazy show.