Posts tagged steps

Steps to Building Your Credit Again

If you’re out there looking to fix your credit, whether it’s because you spent too much in the past, or maybe you declared bankruptcy. I wanted to show you the path that you can take today in order to get your finances back in control, and how you can rebuild your credit again.
The process is simple, and it all has to deal with a secured credit card.

What is a secured card?

This type of credit card is designed for anyone that is over the age of 18. You can have great credit, or bad credit, and you’re going to get approved. Now, if you have great credit, I would recommend that you don’t apply for it, because they are usually high in fees, and don’t offer you anything in terms of rewards.

What the banks will ask for is a deposit. This deposit is going to range from $200 to as much as $500. This is all going to vary on the bank that you’re going to bank with. They are going to take this deposit, and will now become your credit limit.

Let’s say for example that the bank wanted $250 from you in order to open up the card. You will now have a $250 credit limit. You won’t be able to spend no more than that. This is a win-win situation for the bank now, because you can go out there, and spend your money, and if you don’t pay it back, they will dip into your deposit account, and take it out.

The more you use it, and the more you pay it back in full, you’re going to find that your credit score is going to slowly go back up. If you bank with a major bank, you will find that some of them will allow you to graduate to a new card. This is a great step to take as well, because you don’t want to be on this card forever because of fees, etc.

When you do think about applying for one, the major thing that you want to look at are the fees. Since fees are generally the highlight of these cards, in a bad way, you’ll want to make sure that you’re not getting ripped off. A good card is going to have a onetime fee, or an annual fee that’s relatively small. Don’t apply for a card that’s going to charge you every month, plus an annual fee. These aren’t the cards that you want; because you will find out that you may go even further into a debt, which obviously isn’t a good thing.

There are a lot of great cards out there. Make sure that you take a look at a few of them. I generally recommend at least 3-5, and compare the fees, know who the bank is, and know how it can help you. Once you receive it, make sure that you use it the right way, by paying it off on time, and if you can accomplish this, great things shall come!

Find credit cards for people with bad credit all at FINDsecuredcards, where you can even find more of my work.Article Source:http://www.articlesbase.com/finance-articles/steps-to-building-your-credit-again-1665207.html

Thompson Cigar: How To Prepare A Humidor


Not sure how to season your new humidor? Cigar expert Al Remp will take you through the steps of how to prepare your new humi to get the most use out of it!

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The Tobacco Beetle & Your Cigars

Tobacco beetles can not only eat your cigars down to dust, they can cost you a pretty penny. While not a new pest for cigar lovers, it is the leading insect that threatens stored tobacco. These critters do not discriminate. They will attack tobacco at any stage of manufacturing, up to retail and travel to your humidor.

Though it is the most common, the tobacco beetle is not the only predator that preys on tobacco. Several other insects such as the tobacco moth, the tobacco worm and at least 12 other species of insects feed on the plant. Many of these insects were trapped either in tobacco factories, warehouses or found on cigars left in room temperature inside homes.

The tobacco beetle, which is larger than the cigarette beetle, is mainly a tropical species. It is identical to the cigarette beetle except that it is larger and is black instead of brown. The tobacco beetle attacks cured tobacco in much the same way as the cigarette beetle. The tobacco moth is sometimes a serious pest of flue-cured tobacco on the farm, farmers say. Infestation may begin even in the curing barn and continue until the tobacco is marketed. Most damage occurs in the pack-house, where the tobacco is bulked before being graded. Infestation may develop from moths flying from commercial storages or farms nearby, or it may be already established on the farm and carried over from year to year in scrap tobacco, peas or beans, stock feeds or other host foods. Tobacco dealers and manufacturers constantly practice insect-control measures and maintains damage-free on insect infestations.

Having a humidor is not a guarantee as friend from Davie found out. Despite stashing away his stogies in his safe haven, he returned and found his Cubans with holes like a strainer. That’s because the illegal cigars were not properly cured and the insects were not destroyed before the cigars were put away, allowing them to multiply. “I couldn’t believe my eyes,” he said. He lost hundreds of dollars on the coveted cigars “ For a while I thought someone had opened the humidor or I thought someone had sold me a dud.” But a friend explained to him that Cuban cigars are the most prone to developing beetles because they don’t fumigate their tobacco. The don’t take the same preventive measures as the other countries do. But if you do have Cuban Cigars beware!

Below are steps to eradicate tobacco bugs in your humidor and how to prevent them from returning.:

1. First, double bag all the cigars that were in the humidor with the contaminated cigars, even those which don’t have holes. They probably have eggs and larvae. You can also use tupperware containers. One inside the other (Because of the extra moisture produced by the freezing, the extra bag or container will act as a deterrent for the moisture the freezing might produce). In a regular frost free freezer the temperature should be 10 F. to 15 F. above Zero. If in a deep freezer the temperature should be -10 F. Keep the cigars in the regular freezer for 30 days and in the deep freezer for 15 days.

2. While the cigars are in the freezer, clean your humidor with a vacuum. Leave it empty and open for at least a week. The bugs will die without its food source, the tobacco.

3. When it is time to remove the cigars from the freezer, transfer them to the refrigerator for 24 hours. Then let your cigars reach room temperature as they sit outside for another day. Return your cigars to your humidor and humidify them again. Be patient, don’t try to speed up this process.

4. When ever you come across Cuban cigars freeze them immediately, following the steps above. Better safe than sorry.

Long ashes everyone.

Jim Bennington has been caring for the cigar and pipe smoker for 30 years in Boca Raton Florida. For More information go to www.bocabenningtons.com

Using a Humidor for your Cigars

If you are one of those who has recently joined the cigar revolution may be unsure why you need one of the humidors at all. But although a few cigar lovers might think that keeping their cigars in a plastic bag along with a damp towel is good enough to keep them well, the majority would rather invest in a good humidor.

Cigars normally adapt to their surroundings absorbing scents and dampness from the environment just like a sponge would water. If they are stored in an inappropriate environment the cigars will turn out to be unsuitable for smoking, disappointing the manufacturer as well as the owner. However, if they are stored properly in a suitable environment like a humidor you can be sure that they will age appropriately to be enjoyed by even the most seasoned connoisseur.

For those who might not have heard of a humidor before, it is basically a box or container which maintains constant humidity and will serve as home for your cigars as they age gracefully over up to a period of six or seven years. You can choose from a wooden humidor, a glass top humidor or a humidor cabinet. There are also plenty of other cigar accessories to choose from to compliment your humidor. There are many different types available in the market and you can even shop for them online in a short period of time instead of going to several different stores,  hunting for the perfect one. Ordering online, simply choose the humidor you like, place your order and wait for it to be delivered to your door. You can shop at any time of the day or night, and you avoid dealing with irritable salesmen and standing in queues, waiting to be attended to.

All humidors include hygrometers, devices which allow you to monitor the humidity level. This allows the cigar owners to maintain a humidity level of about 65 to75 percent inside the humidor. If the humidity is outside this range, the hygrometer will display it on its scale. It is best to keep your humidor full; the more the empty space the more likely that the humidity will drop. On the other hand, make sure you don’t pack in too many or you’ll end up damaging your precious cigars.

Humidors are normally made from Spanish cedar. Some benefits of Spanish Cedar include its ability to retain more moisture,  naturally fending off tobacco beetles capable of destroying an entire cigar collection and as an extra perk the cigars inside the humidor develop a  special, alluring aroma.

Before you use a new humidor, you have to prepare it for use. Use a damp cloth to wipe the inside of the humidor.  Then place a bowl of water within the humidor and keep it there for about twelve hours with the lid closed, allowing the majority of the water to evaporate.  Place a second bowl of water inside the humidor, this time for 24 hours. When the water quantity no longer reduces or your humidor is no longer thirsty, your humidor is ready to be entrusted with storing your cigars.

You will also have to calibrate the hygrometer. Some retailers provide pre-calibrated hygrometers. In other cases you will have to follow the simple steps to make sure the hygrometer is prepared to properly read the humidity level inside the humidor.

Once you’ve prepared your humidor, you can place your cigars inside. You may wish to use dividers to minimize the mixture of aromas from different types of cigars. Other aficionados appreciate the flavor mixing. In any case you are sure to enjoy your cigars for a longer period of time and at a higher quality once you start using a humidor.

Get the free 24 pages Ebook Humidor Guide about anything you need to know about buying humidors humidors and how to store cigars and purchase humidors and cigar accessories from the market leader.

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