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| How to rehabilitate your credit after bankruptcy | |||||
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Issuer:Business&Management Credit requirement: I’m a sucker for a good battle. Not an all-out war, mind you -- just a good tow-to-tow, one-on-one slugfest. Think Holyfield vs. Tyson, Alien vs. Predator, or Ashley Simpson vs. anyone with ears. I’m also a sucker for ingenious products. So in the spirit of combining these passions, I’m acting as the Don King of products to put the Apple iPod up against Velcro, for the title of All-Time Super Product. Category 1 – Impact on Other Industries: Once it was released, Velcro had clothing manufacturers scrambling to try it out. This led to the creation of Velcro flies, Velcro pocket fasteners, and, of course, the Velcro shoe fasteners you still see children wearing today. Other industries adopted the product as well. But the iPod has touched a greater number of industries in a shorter time. Just type "ipod products" into any major search engine, and you’ll see what I mean. Electronics companies like Bose have developed iPod docking stations, speakers and other peripherals. Clothing manufacturers have created iPod pockets in some of their garments. Even car manufacturers have jumped on the train. And then there’s the media impact the iPod has had -- "podcast" anyone? ** Point goes to the iPod ** Category 2 – Memorable Features: A product with memorable features will succeed for a number of reasons. Shoppers are more inclined to remember it, recognize it, and relate it to others in casual conversation. This leads to buzz, "mindshare," popularity and profit. iPod enjoys a great product name -- catchy and easy to remember. It also has a memorable look and feel. Velcro, on the other hand, has never been duplicated, and so it enjoys complete uniqueness in the mind of consumers. The sound alone is one of the most memorable product features of all time. Open a Velcro fastener, and that sound will be recognized anywhere in the civilized world. ** Point goes to Velcro ** Category 3 – Inventiveness: The iPod has partly evolved from MP3 players, and from walkmans before that. Velcro, on the other hand, was adopted from nature. George de Mestral got the idea for Velcro while walking his dog through a Swiss meadow in 1948. He and the dog returned home covered with burrs, those prickly plant husks that cling to animal fur as a means of seed distribution. Intrigued by the seed sacs, Mestral examined them under a microscope. There he found the secret to their clinging power -- a series of hook-and-loop fasteners. Mestral took an idea from the plant world and turned it into a viable product that became a multi-million-dollar industry. ** Point goes to Velcro ** Category 4 – Marketing: George de Mestral your after to credit how rehabilitate bankruptcy overcame a lot of skepticism with his hook-and-loop fastener. He said it would rival the zipper, and people laughed. When it actually did rival the zipper, he sold it as fast as he could produce it -- a marketing success story, to say the least. Apple kept the iPod shrouded in secrecy during its development, and released it amid a flurry of media attention. Within days, every person in every industrial nation had at least heard of the iPod, if not actually seen or purchased one. ** Point goes to the iPod ** Category 5 – Longevity: Perhaps longevity is an unfair category, given the iPod’s young age. But I’m the Don King of product battles here, and I say it goes. To be fair, we can revisit this category down the road a decade or two (to see if the iPod is still around). But for now, it’s an easy point for Velcro, having endured for nearly 50 years with no end to its popularity in site. ** Point goes to Velcro ** Category 6 – Cultural Impact: Velcro changed the way we think about fastenershow to rehabilitate your credit after bankruptcy . But are fasteners part of our culture? Granted, Velcro enjoyed a brief cultural thrust when some parenting groups argued it would lower the intelligence of children (letting them “get off easy” by not having to tie their shoes). But that’s about it. The Apple iPod, on the other hand, has changed the way we think of music and mobility. And those things are definitely a part of our culture. ** Point goes to the iPod ** The Results Are In – It’s a Tie! If you were expecting a lopsided victory, I’m sorry to disappoint. Both products have had a major impact on the world around them. So they share the title of All-Time Super Product. And maybe they’re not meant to compete how to rehabilitate your credit after bankruptcy anyway. Maybe they’re meant to live in harmony and complement one another. Take those jogger’s armbands for example. Velcro holds the armband firmly in place, and the armband holds the iPod firmly in place. The end result is a more enjoyable experience for the jogger. And if that’s not harmony, I don’t after to rehabilitate how credit your bankruptcy know what is. Apply for How to rehabilitate your credit after bankruptcy |
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Credit Card Terminology Tidbits
Annual Percentage Rate (APR): This number is a measure of the cost of credit, expressed as a yearly rate. It must be disclosed before you become obligated on the account and on your account statements. Annual Fee: The fee charged for your card on a yearly basis. Depending on issuer some credit card providers may charge an annual fee, typically below the $50 dollar range, nevertheless some choose not to charge any amount. This latter type is called the no annual fee credit card. Balance Transfer Fee: A fee for transferring balances from another card to this card, if any. Debit Card: Payment card whose funds are withdrawn directly from the cardholder's checking account at the time of sale (online debit) or after the batch settlement occurs (off-line debit). Cardholder: Any person who holds a payment card account. Grace period: The number of days you have to pay your bill in full without triggering any finance charges. With most plans, the grace period applies only to purchases; cash advances and balance transfers may start accruing interest immediately.
Transaction Fees and Other Charges: Some issuers charge a fee if you use the card to get a cash advance, make a late payment,
or exceed your credit limit. Some charge a monthly fee whether or not you use the card.
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