Absolute truth about credit repair companies

Despite the fact that U.S Government make it very clear that nobody can repair your credit except you, the credit repair companies keeps growing in number very blessed day. They will promise you heaven and earth just for you to buy their service.

One very important thing most people that are still taking the service of the credit repair companies don’t understand is that government’s advices are often based on advices of experts. They charge upfront fees, maintenance fees, and monthly fees, all of which you are supposed to place in a trust account.

Why should you in first place pay somebody to help you fix your credit, when it’s obvious that most of their results are often temporary? You will end up losing more money.

When you use the service of credit repair companies to fix your bad credit you will be forced to share your personal information with them before they can do anything about your credit. The meaning is that you are liable to identity theft and unwanted mailings you did not solicit for from other companies trying to sell you something.

The whole truth is that you can do what most of these companies do, if you care to know how to do it. All most of them do is to write letters to credit bureaus, listing few information that are false in your credit report. When credit bureau get the information from repair company the will start investigating it.

They will remove the information temporarily during this period, thus giving you clean credit report. Since this report is temporary, if credit bureaus are able to proof their previous action right they will add it back to your report again. So if all you need is a temporary clean credit report, why not do it yourself instead of paying somebody to do it for you. It’s obvious, nobody remove negative information that’s accurate from your credit report.

Since you have legal right to obtain and dispute a copy of your credit report if there is any error in it, you can improve your credit more effectively on your own. 

Credit Repair Company: - a blessing or a course.

Credit repair companies are businesses outfits that offers debit consolidation loans, debt counseling, or debt reorganization plans that guaranteed to stop creditor’s collection effort.  One thing you have to know is that these companies are established to also make money so you need to be very careful when dealing with this people.

Though, if you are having trouble paying your bills, you may be tempted to turn to one of this companies that claims to offer assistance in solving your problem. Before you sign up with any of credit Repair Company you have to investigate them thoroughly. You have to really understand the services the business provides and what it will cost you before signing up with them. Make sure they have a written contract in place as well. 

Most often the consumers that engage the services of most of this business do end up getting more problems. So it’s very important that you check office of Better Business Bureau to be sure the company is not in problem already. If there has been a complaint about this company its better you do away with them.

Businesses offering credit repair services may charge substantial fees or a percentage of your debts and fail to deliver. Apart from that their fee will even add up to your debt making it more difficult for consumer to get out of debt. Though it’s through that debt problem can be distressing, but you have to be careful when selecting a solution. Some solution providers don’t do other things to add to your problem.

Your personal credit report: - how you can correct errors.

People that compile your personal credit reports are human be like me and you, they can make mistake while compiling your reports from various sources. Thus, requesting for a copy of your report often is very important. It will allow you to know what they compile about you. You will be able to discover unfavorable information, request for corrections before they started spreading non-accurate information about you.

When you get a copy of your personal report, determine the status of your credit file. Study the information in it very well and attempt to remove all unfavorable information in it. All your credit history may not be contained in one file from a firm. So if possible get from other firms too. Some information may be duplicated, or not included in the other file.

You need to note of your full name, social security number, current and previous addresses, spouse’s name, and date of birth and make sure that they are correct because they are points used in identifying you. Also, make sure that merchants name, credit account number, date opened, date closed, high credit limit, highest amount of credit used, and repayment history are correct, current and accurate.

After studying the file carefully if you notice any error, write out exact error and the way you think it should be listed. You will find a space on the right-hand side of your report where you may protest any item in your report that you feel incorrect. You will have to attach photocopies along with pertinent information to proof your claim and send it to bureau by mail. When the bureau gets your message they will investigate and send you result of their investigation. You will have to exercise patience during this period because it may take bureau some time to complete their investigation.

The fact that the agency that compiles or can compile information about you is not one will make it almost impossible for you not to encounter problem in future. When you apply for credit in bank, stores or any lending company you may be denied. This does not mean the agency you filed errors on your reports with haven’t make changes, it’s likely that the bank or store you are trying to deal with have another report about you, possibly from another agency.

So anytime that you are denied credit, you have the right to know why you were turned down! If the bank or stores used a credit report agency, they must provide you with the name and address of the agency that supplied them with the report.

Once you have the contact information of the agency involved, you should make an appointment to visit the credit agency, so that you can review your report, find out information that is causing you to be denied credit, and make corrections if you have enough evidence to proof.

When you are visiting the agency make sure that you present yourself very well. You must dress modestly as your appearance will surely tell the agency staff more about you. If possible take a friend along with you to be a witness to whatever it’s said. You have to be very careful when you get to be bureau, don’t let the representative of the credit bureau confuse you with unnecessary terms or even upset you in any way. If there is anything you don’t understand, ask to have it explained again.

Don’t be afraid to demand explanation where you feel the agency is wrong. If there is any information in the report that is not true, point it out, and have it investigated by the agency. Once the agency correct the error you have right to demand that the bureau send correct copies of your report to all creditors who have received the incorrect reports before.

Credit report – its effect on your personal credit

Lots of people have been denied loan, credit card or other form of credit because of wrong information the lenders find in their credit report. Before banks or any other financial institution grant your application for loan they will first find out about your credit history from bureau by requesting for your credit report.

Credit report is a compilation of your credit history, past financial transactions and personal information possible. This report is usually compiled by accredited agencies known as credit reporting agency.

Credit reporting agencies are organizations that help credit card companies, loan companies, banks, and departmental stores in the country to ascertain the credit worthiness of their would be clients. They provide these companies information about those who are good credit risk and those who are not. 

They receive most information about consumers from loan companies, credit card companies, banks, credit and lending sources. In this report you will their will be information on your occupation, place of employment, residence record, court and arrest records, income status,  details on payment of your past and present bills and loans.

Once they have detail information from these sources, they give it to any organizations in need of it when requested. Though they keep on file information concerning you and your credit, they don’t make final judgments as to your credit worthiness. The decision is up to the credit card companies or any lender which you are dealing with.

The credit score is used by banks, credit card companies, loan lenders and other financial companies to determine your credit worthiness. As a matter of fact, most lenders often based their charges on information in your credit report. Also, some employers often consider few information in your credit report before they employ you. If you have severe financial problems some will find it difficult to employ you.

Whenever you apply for new credit card, loan or any form of credit from any sources lenders will base their acceptance or rejection of your application on your personal credit report. If your credit report shows you’ve been reliable in the past, then you will most likely get the credit card or loan you apply for.

However, if you have in one way or the other defaulted on particular account or you were constantly late in making payments, it will likely be impossible for you to get the credit you applied for.

While compiling your report the agency or financial institution that’s giving them the information may make mistake and give inaccurate information about your credit. If you did not dispute this error and demand necessary changes, they will leave it in your report. You can imagine the possible effects on your life in future. Because of this, it’s very important that you check your report at least once a year

.

In other to be able to check your report for possible inaccurate information you have to request for a copy of your report. You can get a copy of this report from credit bureau because it’s your personal credit file and you have absolute right to know what is in it.

You have right to know exact information they are giving out concerning your name and credit worthiness. If the report is not good enough or you can proof to yourself that it’s all about your past, you can change it. You can build your new credit worthiness. It’s possible. 

Your credits score - how you can improve it.

Your credit score is a very important in any financial transaction that you make or intend making in future. So it’s good you know what exactly your score is, understand its meaning and learn how you can improve it if it’s not good enough.

If you have ever borrow money or utilized credit before it has a score that reflects how well you handle the credit giving to you in the past. The credit score is determine by amount of credit you have, how much money you owe and whether you made payments on time or not.

Your credit score serves as predictor of how likely you are to repay any credit giving to you to your would be creditor or lender. If you usually make payments on time you will surely have good credit history and it will make it easy for you to get loan from banks or credit unions.

Otherwise, you will find it difficult to get any institution for that matter to trust you. If that’s your case – it don’t have to be the end of the road. In this article you will learn about what you can do to improve your credit score.

Make sure you pay your bills on time. Failure to do this will have negative impact on your credit score.

Make sure you always meet up with the minimum monthly payment on your card if you can’t always pay the balances of your credit card each month.

Make sure that you don’t exceed your monthly limit. If you can keep to 50% of your limit or less it’s better.

Make sure you do away with account you don’t use most especially accounts with high annual fees and high interest rates.

Credit rating: - how you are scored.

Getting approval for any type of loan depends on your credit rating. If you have average credit rating, you will find it almost impossible to get approved. It’s possible to get good rating or even improve you credit rating. Most companies almost use same rating system and if you are able to know more about it you should be able to have better credit score.

Your age is the first factor which it’s almost impossible to do anything about. Yes it’s possible to lie, but don’t because it will make things more difficult for you in future if the creditor get to know. If you are between 24 to 64 years of age you will get one point. Any age bellow or above that will score you zero point.

If you are married you have chance of adding extra point to your score. If not, you still score zero as most creditors see you as a higher risk. Also if you have no dependant you will score zero. But if you have between one to three you will add to your points. Here is how it works – if you have no dependant creditors believe you can skip town and not pay off your credit.

Creditors will also want to know more about your root. They will want to know where you live. Owning a home with a big fat mortgage or even without mortgage will give you more points. How long you stay in your present or previous residence also adds more points to your score. If you’ve move so often you will score zero point. However, if you’ve stayed up to 5 years before moving, you will surely get more point.  It shows you are a good risk to them.

Other factors that will add to your point are your years on job (the longer the better), kind of job, your monthly income, present debt status, previous credit history and your saving or checking account.

You credit score is usually rate between 350 and 850. The lower your score the more difficult it will be to get loan. Scoring 800 or above should be goal of every consumer. Bellow is list of short tips on how to achieve 800 credit score or above.

Limit the number of credit card you sign up for at a time. The more card you carry the debt will have to live with. If one card is not enough for you make sure you don’t sign up for more that three cards. Also make sure that you don’t go out with more than one card in your pocket. That way you will limit your purchases when you are outside.

Make sure that you make your payment on time, if possible before the end of grace period if it’s part of the service. Late payment will affect your credit score adversely.

Whenever you want to apply for credit make sure that you don’t apply for too much credit often. Credit reporting agency may score you low as it means that you can’t live without credit.

Another thing that reporting agency consider in scoring you is outstanding balance on your credit account. If you are the type of consumer that often exceeds their limit you are risking your credit score. So make sure you don’t exceed 30-35% of your available credit. It doesn’t make sense financially to always spend all your credit at a time.

Credit - understanding genesis of bad credit.

It’s very obvious that we now live in a credit world. There are lots of banking institutions offering different forms of credit from credit card to personal loans. The amount of people with credit cards is rising very fast. Apart from that, lots of people can hardly do without credit.

Because of lack of enough financial education and discipline on the part of most of these consumers they often find themselves in bad credit situations like court judgement, bankruptcy, and loan default which often make it difficult for them to get any credit at all in future. You may now want to ask – what exactly is credit?

Credit means that you are getting a service or cash grant to use for your own purpose. You are often bound with a contract or agreement to repay in future as agreed with lender or service provider. Credit exists in different forms like loan, mortgage, or credit card.

Before you can get credit from any financial institution or lending agency, they will first check your credit history. If you have default on loan before or have bad credit history you will find it almost difficult to get credit any time you apply for it.

However, it’s possible for you to improve your credit history or build a new good credit history by repairing your credit, thus re-establishing your credit-worthiness. This process is called credit repair. It’s the process in which consumers with unfavorable credit histories attempt to re-establish their credit-worthiness.

Though there are lots of credit repair companies nowadays that promises repairing your credit for you, if you can follow simple guide, it’s very possible for you to do it yourself – afterall it’s your credit.

If you repair your credit it will make it easy for you to get low interest credit, car or home loans. However, with poor credit rating you may not be able to get loan or be subjected to high interest rates and several other unnecessary conditions. So it’s very important that you repair your credit if you have bad credit. You will get lots of tips on how to do this easily in this book. 

Household Problem Solving Tips (Part 4)

151. Prevent Nylon From Yellowing.

Add some baking soda to wash and rinse with water.

152. Make A Perfect Sock Darner.

Pull socks over light bulb, makes it easy.

153. How To Restore Velvet Like New.

Brush good, then hang in steamy bathroom.

154. Get Rid Of Knots On Sweaters.

Just rub a piece of sandpaper over sweater.

155. How To Remove Lint From Wool.

Use a damp sponge and touch lightly.

156. Caring For Leather Upholstery.

Brush with skim milk every 3 months.

157. Repair Scuffed Patent Leather.

Cover with same color polish, let dry, then cover with clear nail polish.

158. Prevent Patent Leather Cracking.

Before each wearing, rub briskly with your hand, then a soft cloth.

159. Repair Scuffed Baby Shoes.

Rub shoe with white of an egg.

160. Tip On Buying Shoes.

Buy shoes in afternoon, feet tend to swell in the morning.

161. What To Do When Shoes Get Stiff.

Cut a raw potato and rub all over. They will come back to life.

162. Black Suede Shoes Last Longer.

Wash with warm water, then rub castor oil into leather.

163. How To Soften Leather Shoes.

Sponge with black coffee.

164. Remove Salt Rings From Shoes.

Brush with a solution of vinegar and water.

165. Keep Vegetables Green While Cooking.

Lift the lid of the cooking vessel from time to time while cooking.

166. Get Juice From Dried Up Lemon.

Boil it for a few minutes.

167. Quick Onion Rings.

Onions slice more easily if you leave skins on while slicing.

168. How To Kill Taste Of Olive Oil.

Add a touch of salt.

169. Good Bread Crumbs Substitute.

Potato chips, corn chips or pretzels.

170. How To Keep Your Berries Fresh.

Don’t wash until ready to use and keep in refrigerator until ready to use.

171. How To Cut A Soft Pie.

Use a buttered knife to cut through a soft pie.

172. How To Cut A Frosted Cake.

Rinse a knife in hot water first, each time you cut a slice.

173. How To Make A Fluffy Egg Omelet.

Add a teaspoon of corn starch when mixing eggs.

174. Keep Dressing From Going Rancid.

Put a spoon of sugar in it.

175. How To Stop Cabbage Odors.

Throw a couple of walnut kernels in pot while cooking.

176. How To Soften Butter Quick.

If your butter is frozen, grate it, it’s same as soft butter.

177. How To Keep Cauliflower White.

Pour a little milk in the water when boiling cauliflower.

178. When Is The Omelet Done.

When you press it lightly and it springs back.

179. Keep Milk From Scorching.

Add a pinch of sugar while cooking and do not stir.

180. Cheese Cutting Tip.

A dull knife is more successful than a sharp one.

181. When You Need An Extra Egg.

When you need an extra egg for the recipe add a little corn starch.

182. Peel Onions Without Tears.

Let water run over them while peeling.

183. The Proper Way To Ripen Fruit.

Keep it out in open at room temperature. Refrigerator slows down ripening.

184. How To Pick Fresh Eggs.

Old eggs are shiny, fresh eggs are rough and have bumps.

185. How To Cut Acidity In Coffee.

Add a pinch of salt.

186. Good Refrigerator Deodorizer.

Keep an open box of baking soda in it at all times.

187. What To Do About Grease Spills.

Pour ice water over it, it will lift off before it can soak in.

188. Make A Good Egg Separator.

Crack egg, put in small funnel, white will come through separated from yolk.

189. Reduce Wilting Of Root Vegetables.

Cut off the tops as soon as you get them.

190. Keep Vegetables Fresh Longer.

Put paper towels in bottom of bin. It will absorb moisture which causes decay.

191. How To Keep Meat Fresh Looking.

Cover the cut side with leaves of lettuce.

192. How To Perk Up Wilted Lettuce.

Soak in cold water with a dash of lemon juice, cool in refrigerator for half hour.

193. Make Frozen Vegetables Fresh.

Pour boiling water over them. Restores fresh taste.

194. The Best Way To Slice Onions.

Freeze them first.

195. Keep Beets & Cabbage Red.

Add lemon juice or vinegar to water.

196. Keep Potatos From Sprouting.

Store apples with them

197. Get Rid Of Cooking Odors.

Boil hand full of cloves in water for 30 min. All odors will disappear.

198. Truss Poultry Up So It Will Stay.

Use dental floss, it won’t burn.

199. Tell When Custard Is Done.

Stick knife into custard, if it comes out clean, it is done.

200. Tips For Cutting Hot Cake.

Use a thread, hold both ends tightly and lower through slowly.

Household Problem Solving Tips (Part 3)

101. How To Shine Your Refrigerator.

Use Bicarbonate of Soda on a damp sponge.

102. How To Remove A Hot Cake Pan.

Use clothes pins (pegs).

103. Keep Windshields Frost Free!

Apply solution of 1 part vinegar to 3 parts water over windshield.

104. Make Dry Cell Batteries Last Longer.

Seal in plastic bags, wrap in aluminum foil, keep in refrigerator.

105. Remove Wax From Candleholders.

Freeze holders in refrigerator and it will just peel off.

106. Prevent Kitchen Stools From Slipping.

Put rubber tips from crutches on bottom of legs.

107. Rid Scratches From Plastic Watches.

Use Q-tip dipped in nail polish remover, rub over face, scratch disappears.

108. Excellent Lubricant For Appliances.

Put a drop of glycerin in gears, makes an excellent lubricant.

109. Keep Garbage Bags From Slipping.

Use 3 or 4 clothes pins, keeps them from slipping.

110. How To Clean Glassware.

Clean with stale tea. If they spot, soak in buttermilk, let dry, wipe off.

111. How To Clean Carved Furniture.

Use an old toothbrush to clean then use furniture polish on brush.

112. Remove Ink From Varnished Furniture.

Rub with soft cloth filled with equal parts vinegar and linseed oil.

113. Remove Mildew From Luggage.

Put bar of soap in luggage before storing.

114. Remove Smoke, Grease From Woodwork.

Paint wood with solution of starch and water, when dry rub off.

115. Really Shine Your Kitchen Floor.

Add some sour milk to your rinse water, it will shine!

116. How To Clean Rust From Chrome.

Rub it with aluminum foil.

117. How To Really Clean Enamel.

Use a paste of salt and vinegar then wipe off.

118. Remove Shoe Polish From Clothing.

Use carbon tetrachloride or rubbing alcohol.

119. Remove Cigarette Stains From China.

Rub it with a cork that has been dipped in salt.

120. Make Your Own Ink Eradicator.

Mix one part liquid bleach to ten parts water. Works great.

121. Make Your Appliances Really Shine.

Rub them over with rubbing alcohol, they will stay shining.

122. Remove Stains From Coffee Cups.

Rub with salt and vinegar.

123. Make Your Own Furniture Polish.

Use 2 parts olive oil to 1 part vinegar. Have it warm while using.

124. Make Your Own Silver Polish

Tooth paste or baking soda makes an excellent silver polish.

125. A Really Good Copper Cleaner.

Use a paste of salt and vinegar.

126. To Clean Your Diamond Rings.

Use tooth paste with an old tooth brush, rub and rinse and let dry.

127. Clean Tarnished Gold & Silver.

Rub with a paste of water and baking soda, rinse and let dry.

128. How To Make Good Jewelry Cleaner.

Clean with a solution of 1 tsp. ammonia and 1 cup of water.

129. Reset Stone In Your Jewelry.

Put clear nail polish in the base, set the stone in and let dry.

130. Prevent Costume Jewelry From Tarnish.

Put a thin coat of transparent nail polish over it.

131. Good Cleaning Aid For Dishwashers.

Add some vinegar to dishwasher.

132. Cure Scratches From Furniture.

Use machine oil or same color shoe polish.

133. Make A Good Fingernail Brush.

Cut down the bristles on an old tooth brush.

134. Food For The Whole Litter (HOW).

Use a muffin pan so the runts can have some.

135. Lengthen Life Of Wooden Clothespins.

Boil them in a salt solution.

136. Make A Neat String Dispenser.

Nail a funnel to wall and pull string out of bottom of funnel.

137. Tip On Storing Plastic Curtains.

Sprinkle talcum powder between the layers as you go.

138. Basting Made Real EASY.

Just tape and sew around the pieces of tape.

139. How To Revive Old Clothing.

Shave those little fluffs off with a safety razor.

140. Make An Emergency Clothes Brush.

Wrap a piece of tape around the hand, sticky side out.

141. Stop Clothes Catching On Hangers.

Put a coat of clear nail polish over splinters and rough edges.

142. A Needle-Sharpening Pincushion.

Use steel wool to fill your cushion, keeps needles sharp.

143. Make A Good Yarn Preserver.

Wrap yarn around a moth ball for storage.

144. Handy Tips On Cutting Fur.

Use a razor blade on back of fur when cutting, you won’t cut any hair.

145. Tips On Sewing Slippery Material.

Stick a piece of waxed paper in seam, pull away when finished.

146. Easy Pick Up Of Needle Spills.

Use a small magnet to pick up any needle spills.

147. Excellent Knitting Tip.

Keep ball of yarn in nylon stocking, will flow out free of tangles.

148. How To Get Rid Of Shiny Pants.

Make a solution of 1 part vinegar to 4 parts water, soak a cloth in it,

wring out, put over the pants and press lightly.

149. When You Need Heavy Duty Thread.

Use dental floss.

150. Make A Handy Tape Measure.

Just put tape around an old tape spool.

Household Problem Solving Tips (Part 2)

51. Destroy Desire For Nicotine.

Take before breakfast ¹/₂ tsp. each of rochelle salts and cream of tartar.

52. Destroy Desire For Alcohol.

Mix goldthread with golden seal tea. It creates a violent taste for alcohol.

53. Excellent Insomnia Formula.

One tbs. powdered milk, 2 tbs. honey, 1 tbs. brewers yeast,

stir into cup of warm milk. Take before retiring.

54. Famous Diet Formula Plan.

Mix 1tbs safflower oil to 2 tbs. grapefruit juice, take before meals.

55. The 40.00 Beauty Facial.

Spread milk of magnesia over face, let dry, cover again, let dry,

remove with damp cloth, then apply some warm olive oil, then apply

some ice cold witch hazel.

56. How To Improve Your I.Q.

Hydrocotyle asiatica teas are a noted brain food.

57. Make A Pantyhose Last Longer.

One tbs. alum, 1 quart water, rinse, let dry, the wash with soap, rinse dry.

58. Remove Blood Stains From Carpet.

Sponge immediately with cold water, then use a bit of soap, rinse dry.

59. Make Your Guitar Really Shine.

Rub some toothpaste on, let dry, then buff it. It will shine!

60. Keep A Burn From Blistering.

Apply ice cubes to burn immediately.

61. Remove Ink Stains From Carpet.

Apply a paste of milk and cornstarch, let stand a few hours. Brush off.

62. Dry Shampoo Your Pet (GREAT).

Rub baking soda into fur and brush out. Will smell great!

63. Put A Shine On Your Windows.

Brush with nylon stocking, then use blackboard eraser to shine.

64. Unwrinkling Plastic Materials.

Heat ironing board, lay materials on, smooth with hands.

65. Easy Needle Threading (NEAT).

Dip tip of needle in clear nail polish and let dry.

66. How To Clean Your Neck Ties.

Put tie in jar with some carbon tetrachloride, shake, take out and let dry.

67. Easy Clean Your Nail File.

Press a piece of tape into file, pull off. Remove all dirt.

68. How To Remove Scorches.

Wet scorched area and cover with cornstarch, brush off when dry.

69. What To Do If You Oversalt Food.

Drop a potatoe or two in it. Absorbs the over-salt.

70. Watermelon Ripeness Test.

Look for a creamy surface underneath the melon.

71. How To Freshen Stale Nuts.

Stick them in the oven for 15 minutes at 250° C.

72. How To Destroy Fish Smells.

Rub butter on your hands or wherever smell is to be removed.

73. How To Destroy Onion Smells.

Dampen hands and rub some bicarbonate of soda over them.

74. Keep & Use Over Ripe Bananas.

Mash and freeze for making cakes and cookies.

75. How To Boil A Cracked Egg.

Add a dash of vinegar to the water.

76. How To Make Mocha Coffee.

Instead of milk or cream try some chocolate milk, MOCHA.

77. Easy Boiled Egg Peeling.

Keep lid on a few minutes after boiling, pressure causes shell to fall off.

78. Eliminate Popcorn Duds- FAST.

Freeze it first, the it will all pop.

79. Easy Clean Kitchen Windows.

Add starch to water and clean with a piece of newspaper.

80. Easy Clean Silverware - The BEST.

Use baking soda and damp cloth, clean, rinse and let dry.

81. Vegetable For Liver & Prostrate.

BEETS.

82. Fruit Soothes Intestinal Tract.

PAPAYA.

83. A Fruit For Arthritic Gout.

CHERRIES.

84. An Appetizer Fruit- GOOD.

PINEAPPLE.

85. Fruit For The Stomach.

COCONUT.

86. A Fruit For Constipation.

RAW APPLES.

87. A Fruit High In Iron.

STRAWBERRIES.

88. Fruit For Neutralizing Acid.

LEMONS.

89. A Fruit For Healthful Kidneys.

WATERMELON.

90. A Fruit Good For The Nerves.

BANANAS.

91. Two Fruits Thought Anti-Tobacco.

APPLES & GRAPES EATEN RAW

92. A Fruit Thought Anti-Cancer.

FIGS.

93. Vegetable Good For Kidney.

CELERY.

94. Vegetable That’s Antibiotic.

GARLIC.

95. Fruit To Tune Blood Vessels.

ORANGES.

96. Vegetable For Breath Purifier.

PARSLEY.

97. Ingredient Good For The Heart.

HONEY.

98. A Vegetable Good For The Eyes.

CARROTS.

99. A Good Source Of Iodine.

KELP.

100. Vegetable With 6 X More Vitamin C.

GREEN PEPPERS.

Household Problem Solving Tips (Part 1)

1. Remove Broken Key From Lock.

Put some super glue on broken off part, insert and hold a few seconds

 - will pull out rest of key.

2. Remove Broken Light Bulb.

Stick a bar of soap into jagged edges, use soap as handle.

3. Remove Stubborn Screw.

Heat with a soldering iron for a few seconds first.

4. Protect Children From Sockets.

Keep a piece of electrical tape over them when not in use.

5. Good Glass Door Safety Tip.

Put a BIG decal on those glass and patio doors.

6. Keep Nails From Splitting Wood.

Blunt sharp end of nail before you use by hitting with a hammer.

7. Repair Small Holes In Screen.

Plug holes with clear nail polish, let dry, repeat until filled.

8. Straighten Warped Phono Records.

Place record between two sheets of glass, set in sun for a while.

9. Best Way To Clean Phono Records.

Dip in solution of detergent and water, rinse and wipe dry.

10. Make Your Own Fireplace Logs.

Roll newspapers up tightly in shape of log. Papers are wood.

11. How To Remove Oil From Driveway.

Cover with sand, let stand a few days, then sweep off.

12. Keep Fish Hooks From Rusting.

Stick them in a cork and submerge in some baking soda.

13. Make Sandpaper Last Longer.

Back sandpaper with masking tape.

14. How To Revive Old Razor Blades.

Rub them back and forth inside of a drinking glass.

15. Where To Sell Box Tops And Labels.

Eggleston Enterprises, 207, Main Street, Milford, NY 13807.

16. Remove Labels From Bottles & Jars.

Fill with hot water and then submerge in hot water, will just fall off.

17. Cut Glass Without Glass Cutter.

Use tin snips and cut under water, smooth rough edges with sandpaper.

18. Easy To Unglue Stamps & Envelopes.

Put in freezer a few hours then flip off with knife blade.

19. Get Water Out Of Your Watch.

Strap watch to light bulb, turn on for a few minutes. Water drops will form on crystals,

open up and wipe off.

20. Prevent Snow Sticking To Shovel.

Coat shovel with car wax.

21. Tighten Your Hammer Handle.

Soak in used engine oil for a day.

22. Low Cost Laminating- EASY.

Cover article with clear contact paper. Works perfectly!

23. Open That Stuck Zipper.

Spray that stuck zipper with shaving foam.

24. Remove Tar & Paint From Auto.

The product to clean paint from your car is BENZOL.

25. Increase Your Mileage.

 Put 4oz of benzol to each ten gallon of gasoline to incr. mpg.

26. How To Renew Car Batteries.

Dissolve 1 oz Epsom salts in water and add to each cell.

27. Easily Untie A Knot In A Chain.

Cover the knot generously with cold cream.

28. Loosen Those Tight Shoes.

Put some damp newspaper into shoes and leave for a few days.

29. Make Shoes Slip Proof.

Take scissors and scratch Scissors on the soles.

30. The Ideal Pin Cushion.

Use a bar of soap, makes sewing easier. Needle just slides through.

31. Make Your Own Metal Polisher.

Take a black board chalk and rub into cloth, then rub on metal.

32. Good Dog & Cat Repellent.

Place moth balls in areas where you are bothered by animal odors. They will avoid it. Animals hate mothball odors.

33. When Your Pet Has No Appetite.

Try a saucer of beer. It’s been known to perk up the appetite.

34. Easy To Rid Pets Of Fleas.

Put a foam rubber pad in the pet’s bed - fleas hate it.

35. Quick Way To Press Ties.

Hang in bath while you shower - steam takes wrinkles out.

36. How To Remove Staples.

An old nail clipper works just fine for removing staples.

37. Eliminate Odors From Disposal.

Throw a lemon in it and let it be ground up.

38. Keep Salt Moisture Free.

Put pieces of ink blotter in shaker. It will absorb moisture.

Or try uncooked rice.

39. Simple Eye-Glass Cleaner.

Vinegar diluted in water makes a fine eyeglass cleaner.

40. Easy Clean Glass Doors & Mirrors.

Just rub with a damp newspaper - they will shine.

41. Easily Reduced Ashtray Smell.

Keep a small amount of baking soda in ashtrays at all times.

42. Messless Painting From Bucket.

Punch several holes around rim of can with small nail.

43. Take Lumps Out Of Paint.

Cut a piece of screen to fit inside of can or bucket, it will float to bottom,

taking the lumps with it.

44. Keep Bugs Out Of Paint.

Pour a little insect repellent in the paint. It does the trick.

45. Prevent Flowers From Fading.

Use a few drops of chlorine bleach in water, add an asprin for life.

46. A Simple Roach Formula- It WORKS.

Crumble cigarette butts in water, let dry then spread in roach areas.

47. Save Painting Clean Up Time.

Cover roller tray with aluminum foil, then just throw away.

48. A Novel Paint Can Cover.

Use plastic lid from a coffee can.

49. Keep Piano Keys Looking New.

Keep cover open, ivory turns dark if exposed to darkness.

50. How To Remove Grease From Rugs.

Pour ample amount of baking soda on it, brush in,

let stand for a day, vacuum off