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If it was up to individuals to decide, many people would not take credit for any reason; be it personal or business. While the negative aspects of a debt are mostly felt when the borrower is unable to pay, it is hardly a premeditated scenario. When a financial institution considers a borrower’s credit rating to be good or at least decent, most credit facilities are willing to offer credit facilities. There is so much talk about what is a good credit score, and for most people, strategizing on how to attain it is a daily struggle.A borrower may feel pressured to repay a credit facility and it may feel like they are denying themselves too much to appear good to the banks but it is all worth it. It might not appear like much of a benefit to oneself, but maintaining a good credit score is good for an individual, at least as far as future financial assistance is concerned. Is it possible to have more just because more effort has been placed to repay a loan, mortgage or credit card debt? The honest answer is YES! A pretty decent credit score is good, but getting a good rating is even better considering the many areas that stand to benefit;Favorable mortgage rateOwing to the fact that mortgages are paid over a long period of time, a homeowner gets to spend less money on interest if they pay back to the facility within a shorter duration of time. The interest is paid even lower if the borrower’s credit score is high. According to data made public by MyFico.com, a consumer with an average credit score of 760 or higher would get a mortgage at an interest rate of 3.74%, while another whose score is around 700 got the same facility at 3.96% interest. What is a good credit score? A cheaper mortgage!Cheaper car loansA car is a necessity and if there is a way to get it at a lesser value, then getting your credit score is one of them. On average, car loans are given within a vicinity of $26,000 and considering that the average car owner will pay this back within five years, then the interest rates definitely make a difference to the amount of money that is paid back. One can expect to save an average of $598 over the entire period with a good credit score. What is a good credit score if it cannot get you a car at a cheaper cost?Credit card rewardsPlastic money has been gaining popularity over the last decade and while some people see it as a source of cheap credit, the amount of money spend on the card as interest depends on the average rating of the borrower. The best credit card for good credit offers an annual percentage rate as high as 17% or as low as 13%. The general assumption that lending institutions make is that a borrower with a good rating will clear their debt quickly and the balance at any given time is likely to be low. When marketing their credit card facility as the best credit card for good credit, some lenders will offer 0% interest on credit for the first year to potential customers who have a remarkable rating. This means that people whose credit score is considered poor or average will have to pay an interest rate in the first year of service. Other benefits that the best credit card for good credit owners stands to gain from maintaining good credit scores are free to air miles, loyalty points for using the card and cash back rewards.Low interest on student loansSome people are able to finance their own education from savings, sponsorships or even through programs like work-study. These facilities are not always available and the need to get funding from a credit institution may arise when the chance to go back to school presents itself. Loans given to finance education are issued on the basis of credit quality. The higher the credit, the less risky a loan is considered and to factor in this risk, lenders offer corresponding interest rates.Business financing when neededStarting a business definitely, costs money and for many entrepreneurs, the only obstacle between them and prosperity is a financial partner who believes in the validity of their business idea. A startup lacks any solid business credit history and lenders find it easier to consider the consumer score in assessing the credit risk. Maintaining a good credit score is therefore not only good for access to financing but qualifying for facilities with low-interest rates.

Planning to purchase a business unfortunately do not know where to start looking for finance? Are you currently a bit too busy to be undertaking some researching plus negotiating with business finance brokers? Have you been beginning to lose hope because you are always rejected by lending companies or banking institutions?When your reply is a definite ‘yes’ to these questions then it could be the very best time and also a smart idea to obtain the aid of a business finance broker who is able to accomplish all the finance arrangements in your part.It truly is significant that you get a very good business finance broker as a good broker provides a dedicated one-to-one service and keeps you fully up to date of the available alternatives, what every single option entails along with its benefits and downside. A good broker is knowledgeable in finding a wide range of suitable finance options without delay. In addition, he offers the expertise to negotiate a better deal than you can do by yourself.A business finance broker is aware of which type of financing you need. The kind of financing that you will need will depend on your financial means, your expected profit margin, the sector you want to enter plus some other factors. A broker makes the whole process simple and easy; in most cases he gathers some basic information from you via phone and provides a decision in principle within 24 or 48 hours.When you have determined which financial providers to approach, the brokers can help you tailor and present your proposals in the right way. In order to help tailor your proposals and also to avoid rejections they keep up to date with any policy changes at banks.The method that you present your proposal can often be the cause of being rejected for finance.The moment you ponder on raising funds to obtain a business, what comes first to your mind is to get finance from banks. Yet you ought to be knowledgeable that there are a myriad of lenders these days and some of which specialize in particular products or industries. For instance if perhaps you wish to purchase a garage business, it would make sense to request finance from a lender which specializes in funding garages.A finance broker is knowledgeable with the diverse market for finance provision. Odds are that you’ll find the process complicated and time intensive and find yourself land up picking the wrong business finance provider. You need the aid of a broker to get the best deal.In regards to raising finance, a one-dimensional approach can be a bad idea. Quite often, banks lend on inflexible terms and more frequently they turn down individuals who are with greatest need.Business finance brokers aid you have a whole lot more options besides banks. He will likewise tailor a financial package that suits your needs as well as resources from a wide selection of finance companies and kinds of finance.Because brokers are up to par and extensively knowledgeable of the financial provision market they are fully aware precisely how much leverage they have in negotiations. Thus the moment you have selected a number of providers, the broker can use his expertise in negotiating to obtain a deal with the terms and rates that best accommodates your needs.Bear in mind that the choice is always yours. A broker is there to offer you options and also assist you have an understanding of them to produce a well-informed choice.A business finance broker can help beyond purchasing a business – he can assist you obtain working capital as your business grows and expands. Brokers also offer assistance on business planning, consulting, management buyouts, business restructuring, and also buy-ins and turnaround finance.By simply using the services of a reliable finance broker like Enable Finance you’ll save yourself money and time plus obtain a financial deal that accommodates you best.

In the last half of the 20th century it was President Kennedy who took up the gauntlet of outlining a national directive focusing on science and technology. The course that the United States chartered then propelled America into the space age. No longer was man confined to this planet alone. We reached for the stars and did the impossible. We put a man on the moon, built the International Space Station, launched the Hubble Telescope which opened up the universe for all of mankind, and sent the Voyager on a never ending quest to “boldly go where no man has gone before.”This all came about because a sitting President had the courage and took the leadership to lay the groundwork for the United States to act on a decisive plan of direction which open up so many windows of opportunity for millions of Americans. Some how for the past five decades the United States lost the exuberance that prevailed when President Kennedy pointed this country in a new direction.Sure, there have been many marvels along the way in technology, science, and medicine. The Internet for one has opened up a whole new world filled with opportunities never before imagined. Heart transplants are now almost a routine procedure. So many more wonders have come into existence since the early 1960′s but, the leadership to identify and implement a national plan of direction that would put the United States onto the path toward that brighter future hasn’t happened since we put a man on the moon. It is within National Economic Reform where there is a direct plan of direction for the United States. Article Six is probably the most ambitious directive there is. But, this component is vital for the future of America and really the rest of the world. Implementing National Economic Reform is crucial for the future of not only the United States but for all of mankind especially when the Science and Technology Directives are realized.The United States must recognize and take decisive action on five fronts now outlined in Article Six of National Economic Reform. One of the most important issues is the extent of Global Warming has on humanity and economies all over the world. This first directive is probably one of the more contentious and ambiguous issues today. We have to accept the facts as they present themselves.First of all mankind has relied on the fuel of the first and second industrial revolution for far too ling. Today’s technology has afforded the United States to dispense with any and all types of fossil fuel while at the same time ushering in alternative lower cost green energy to supply the energy needs of this nation. There is no excuse other than Greed to keep the American public held hostage by the major fossil fuel conglomerates. Energy independence is realistic now using affordable alternative energy. The Third Industrial Revolution is now beginning and it is under the directive of Science and Technology in National Economic Reform that the energy of the tomorrow will emerge. We must remember that when the first Industrialized Revolution unfolded the fuel that ushered in a new found way of life was all based on fossil fuels. What followed was a feeding frenzy of drilling and mining which only created and environmental catastrophe that is unfolding today. Yet, in the United States our governmental officials for the most part are in a state of continued denial that our industrial infrastructure, that by the way was built and continues to use fossil fuel, is the cause of all the environmental impact that global warming is having all around the globe.All of civilization is at a critical juncture today. We have developed more technologies in the shortest amount of time than in any other period in history. The sad fact today is that there are multitudes not only in the United States but all over the world that are left with-out the benefits that these technologies could bring. More and more people are facing dire living conditions here and over seas. Over one billion people are literally starving to death. The threat of Global Pandemics is as real as it gets. We have and are continuing to develop better technologies to eradicate hunger and the threat of a Pandemic today. But, the resolve to use the technologies that we have and develop more for the betterment of all of mankind is predicated by the implementation of National Economic Reform’s Science and Technology Directive.The scientific community all support that drastic changes in the earths delicate condition will cause events of biblical proportions if man continues the use and consumption of fossil fuel. The world today faces mass extinctions of marine life caused by mans destructive nature in pollution of our oceans. It is imperative that the United States change direction, the continued misguided ideologies and attitudes that have prevailed for far too long if this nation is ever going to rise out of the ashes of our economic crisis. Within the Science and Technology Directive like a Phoenix rising to lead the world in alternative energy. It reminds one of that opening to the Six Million Dollar Man,” We have the technology to make him better, faster, and stronger.” Well guess what people, we actually do.To understand what has occurred in the last hundred years of the industrial revolutions that has caused a global crisis is to look at when the peak of the second industrial revolution occurred. In 1980 is when scientists first really became concerned of the effects of all the carbon being released into the atmosphere by the industrial complexes and our modes of transportation was having. It seems that all through-out history whenever their is a industrial shift using newer technologies an economic revolution also occurs. These new emerging energy sources make it possible to create more independent economic activity. This in turn gives rise to providing more avenues to expand more commercial activity as well. Accompanying all of this newer technology are communication upgrades or so called revolutions which become the foundations where mans ability to organize, manage, and control the newer more stable set of spatial dynamics. All from evolving energy technologies.By 1994 a new convergence of communication and energy was now infiltrating societies. Internet technology and the reemergence of renewable energy sources were about to merge in creating a powerful new infrastructure that will fuel the Third Industrial Revolution. This third industrial revolution has already begun. And, it is about to change the world forever. Just think in the next 50 or so years hundreds of millions of people the world over will be able to produce their own green energy in their homes, in offices, and in factories. Humanity will be able to share with each other an “energy Internet,” just like we are able to now create and share information online today. The democratization of energy will bring with it a fundamental reordering of all human relationships, impacting the very way we conduct business, govern society, educate and engage in civic and cultural activities.It is to this purpose that the Scientific and Technological Directive in National Economic Reform initiate the further development and deployment of Internet energy systems across the country. To date the United States has yet to capitalize of this emerging source of the energy that will revolutionize the whole spectrum of energy consumption the world over. Government procrastination, denial, apathy and indifference have only confounded the American populace as to why the United Stats continually lags behind other industrialized countries in developing new renewable energy systems. Just take a look; in 2006 the European Union laid the groundwork for further development of this Internet technology for energy. Green technologies have all given rise to new medium of communications and infrastructure. It is in Europe and in Japan that have taken the lead in developing and the implementation of renewable green and Internet energy. meanwhile the US is stuck with our antiquated energy policies and infrastructure that still rely of fossil fuel. This is more than enough reason to implement National Economic Reform and it’s Science and Technology directives.The second directive has to be the focus on enough clean fresh water being made available for every American and eliminate the prospect of another drought that caused irrevocable damage to this past summers harvested crops. Again, the United States has the technology to supply fresh water to areas where there are shortages. An intercontinental aqueduct that crisscrosses the country bringing water to areas that need it most is a priority that can’t wait any longer. To those skeptics that continue to say we can’t afford to spend billions of dollars to build the infrastructure that would accommodate this monumental undertaking forget one of the biggest reasons and purpose behind National Economic Reform and that is to have the United States regain it’s financial capabilities. If we constructed the oil pipeline from Alaska we can do likewise for water, our most precious natural resource.The third directive concerns the eventuality of natural disasters. Earthquakes, tornados, hurricanes and major power outages all are facts of life. But what the United states must do to minimize the devastation caused is to have in place better warning systems, safer and sturdier construction that will be able to withstand any contingency that arises out of a natural catastrophe, and have in place relief efforts readily available so that another Katrina like episode will never happen again.The fourth directive is already being considered by scientists the world over. To make what President Kennedy started become more of a reality for deep space travel and realistically transport men and equipment to distant planets space travel has to be reinvented sort of speaking. This is because our known laws of physics has only kept humanity very limited in space exploration. That is until now. It is this forth directive that will have far reaching implications to say the least.We must remember that since the dawn of mankind man has always looked up to the heavens and pondered that ageless question whether we are alone or are there other life forms some where out in the Universe. From the first time man notices those shinning stars above we have become fascinated by the reality of what is really out there. Humanity has always pondered the possibilities of other life forms that could very possibly be inhabiting other worlds. Through-out history even before Ancient Egypt the question of was mankind influenced by Alien life forms has always sparked debate. Stonehenge is one example of just maybe mankind was assisted with the building of that monument. And, there are other all over the world that to this day cannot be explained using our present knowledge and technology.The Roswell case and Area 51 come quickly when we think of Alien visitors. What happened that night in 1947 indicates that we may have just had a visit from some alien life form. To this day there are still conflicting reports of what actually occurred in Area 51. Is there still a cover up of what happened or is it all a hoax in an attempt to create more speculation of the existence of Alien life forms? It really is difficult to comprehend considering the vastness of space and the abundance of other galaxies to think that mankind on earth are the only life forms in the entire universe.This fourth directive has to do with the facts that man by nature is inquisitive, always searching for meaning, answers to the what if’s, the facts of life’s existence and the answers to what really is out there in the cosmos. This has stirred the never ending pursuit to find the answers. Finding those answers lies with developing the technologies that would make it feasible to actually secure the knowledge of what the Universe holds for mankind.The United States was just beginning to develop the technology that would enable man to actually solve some of the mysteries of the Universe with the deployment of the Supercollider that was almost completed in 1993. The experiments that were to be conducted would have enabled scientists to finally realize what Albert Einstein’s Theory of Relativity entailed. Part of the answers remain hidden but, what we do know now that nuclear fusion and atoms accelerate to the speed of light. Roughly one hours ride to Jupiter. The whole concept behind the Supercollider project was to create and prove molecules can move as fast as atoms. We were very close in achieving molecular momentum accelerating to the speed of light and nuclear fusion. Unfortunately congress in their shortsightedness failed to renew the funding for the completion of the Supercollider project. The reality hit home because the cost to dismantle what was already constructed cost much more in tax payers money than that what was needed to finish construction. Just another way Congress still can’t get it right. Today, there has been a renewed interest from the international scientific community. A new smaller version has been completed under the Swiss and French boarder and is more than capable of finishing what the United States tried to do in 1993.Involved in the fourth directive is proving and achieving molecular acceleration equal to that of atomic acceleration. Once we do mankind just might be able to greatly expand our knowledge of our own galaxy and others as well. Albert Einstein proved that atoms accelerated to the speed of light. It is now up to this directive and involving the rest of the worlds scientific community to figure out molecular reconstruction and reconstruction of when molecules achieve the acceleration point of atomic particles and reconstruct the same molecules as before after the acceleration has been achieved. All one has to do to visualize this is look at any Star Trek shows when they say “beam me up.” It isn’t so far from becoming a reality. Without gaining this knowledge mankind will find it next to impossible to be able to reach and explore the far reaches of our own galaxy let alone the rest of the universe.We are close but we aren’t there yet and the prime goal of this fourth directive is to finish the job. Once we do mankind just might be able to like that saying “boldly go where no man has gone before.” It is to this end that the Science and Technology directive focus on bringing together the rest of the international community and other industrialized nations in creating an International Space Exploratory Federation using all the available aerospace contractors and encouraging more countries to provide resources so that more opportunities in developing newer technologies will enable mankind to have the availability to fulfill our ultimate destiny.The fifth directive is in the medical field of advancing and distribution of vaccines and treatments so that any threat of a pandemic outbreak will be held in check. In the United States there is a resurgence of dreaded diseases such as TB, small pox, whooping cough and a whole assortment of other diseases that early vaccinations would practically eliminate any threat of a resurgence of the diseases that are on the rise today. All too often misguided information, lack of funding, or just plan ignorance have placed our society at risk. When the medical community is very much concerned that any outbreak of communicable diseases could at any moment spread like wild fire quick containment and vaccinations are imperative. This fifth directive goes along with National Economic Reforms, Universal Health Care.A plan of direction for the United States is the purpose and guide of National Economic Reform. The Science and Technology Directives outlined will have a direct affect on the future of America. It is the intent of total reform from which the United States will emerge from the quandaries that have befallen this nation. In implementing National Economic Reform in it’s entirety the United States will rise like that Phoenix to lead the world into that brighter future.