In this article I will be showing you four little known tips to fix scratched CD or DVD and recover the data within, Every user has had trouble with a scratched CD or DVD. The theory goes like this - A CD/DVD reader or player uses a laser beam to read the data on the disk. This laser beam crosses the protective plastic layer and reads the real recording metal layer. If the protective plastic layer is scratched, the laser will be unable to pass resulting in non-readable disc. In the case of data CDs the CD/DVD reader is unable to read the CD/DVD properly resulting in reading errors while in case of audio/video discs, the CD player skips when we play it.
If somehow we manage to re-smooth this protective layer then the laser will reach the data and read it, now there are many ways we can achieve this using common household item’s as discussed below:
1). Toothpaste - Yups! Toothpaste is our very first scratched CD/DVD fixer, you can use any non-gel based toothpaste for this, just put a very small amount of it on the scratched area and polish it gently using a cotton swab, sometimes the paste may cause new minor scratches but they are just superficial. Now just wash the cd using water.
2). If the above trick does not work try some metal polish like Brasso gently wiping with a soft cotton ball followed by application of Vaseline.
3). Baking Soda - make a small quantity of baking soda paste and apply using a soft cotton cloth buffing the bad scratch. Clean the baking soda before using the disc.
4). You can also try using some oil as a polishing agent this also works many times.
There are many daily use products that can be used to get the cd working just keep on experimenting, please note that you must take special care while using the above tips as
5 Easy Steps to Rebuild Your Credit after Bankruptcy
Bankruptcy often is the last ultimate solution for many debtors who have unbearable debts. With filing a bankruptcy, you will get rid of your debts instantly and relief you from the harassing call of your creditors.
Although bankruptcy has many undesirable consequences such as your bad credit record will remain on your credit report for 7-10 years, but with a little work, you can improve your credit even before these negative records expire. Here are five easy steps you can take to rebuild your credit.
Step 1: Get to know your current credit status
The first step to rebuilding your credit is to look at exactly where you stand. Order all your three credit reports from those three national credit bureaus: TransUnion, Equifax, and Experian. You can order these reports online, it easy and secure.
Print each report and review it closely. Try to understand the information listed in your credit reports and highlight any negative records or inaccuracies that are damaging your credit score.
Step 2: Check the expiration dates
By law, your bad credit record will remain in your credit report for 7 to 10 years, but the exact expiry date might be different among these 3 reports. Your bad record will still remain at your credit report although you have pay off your old debts and discharge from bankruptcy.
Look up the exact date of each of bad records including judgments, liens, charge-offs, late payments, bankruptcy filings, and collection records. You will likely see a major improvement in your credit score when these records expire.
Step 3: Request For Correct On Any Inaccurate Records
If you find inaccurate records, fraudulent accounts, or records that should have expired on you credit reports, you have the right to send a separate dispute letter to each of the credit bureaus to correct your Equifax, Experian, and TransUnion records. The bureaus will initial a 30 days investigation to see whether your requests are valid and if so, they will correct the inaccuracy in your credit report.
Just one note, don;t try to dispute any of the positive information listed in your credit reports and it is a waste of time to attempt to dispute these records. Disputing positive information may actually harm your credit scores.
Step 4: Start to create good credits
Since there is no way to remove your bad record from your credit report, the best way to improve your credit score is to add good credits and building up your credit from there. You can easy do this by open up a new credit card from banks like Orchard Bank (Orchard bank has credit card plan designed specially to help people rebuild their credit after bankruptcy).
Use this new credit card responsibly and make the monthly payment timely; with this you are building new history of good credit behavior on your credit report. Over time, you may want to open additional credit card accounts or obtain a loan to boost your credit score even higher.
Step 5: Monitor your progress
Subscribe to a credit card monitoring service or get a credit card monitoring software and use it to track your credit score progress closely. Your credit score should improve steadily as you continue to use credit responsibly and add new positive information to your credit reports.
Bankruptcy does not need to chain you to bad credit for the next seven to ten years, but you have to be proactive in order to recover and rebuild your credit.
Although bankruptcy has many undesirable consequences such as your bad credit record will remain on your credit report for 7-10 years, but with a little work, you can improve your credit even before these negative records expire. Here are five easy steps you can take to rebuild your credit.
Step 1: Get to know your current credit status
The first step to rebuilding your credit is to look at exactly where you stand. Order all your three credit reports from those three national credit bureaus: TransUnion, Equifax, and Experian. You can order these reports online, it easy and secure.
Print each report and review it closely. Try to understand the information listed in your credit reports and highlight any negative records or inaccuracies that are damaging your credit score.
Step 2: Check the expiration dates
By law, your bad credit record will remain in your credit report for 7 to 10 years, but the exact expiry date might be different among these 3 reports. Your bad record will still remain at your credit report although you have pay off your old debts and discharge from bankruptcy.
Look up the exact date of each of bad records including judgments, liens, charge-offs, late payments, bankruptcy filings, and collection records. You will likely see a major improvement in your credit score when these records expire.
Step 3: Request For Correct On Any Inaccurate Records
If you find inaccurate records, fraudulent accounts, or records that should have expired on you credit reports, you have the right to send a separate dispute letter to each of the credit bureaus to correct your Equifax, Experian, and TransUnion records. The bureaus will initial a 30 days investigation to see whether your requests are valid and if so, they will correct the inaccuracy in your credit report.
Just one note, don;t try to dispute any of the positive information listed in your credit reports and it is a waste of time to attempt to dispute these records. Disputing positive information may actually harm your credit scores.
Step 4: Start to create good credits
Since there is no way to remove your bad record from your credit report, the best way to improve your credit score is to add good credits and building up your credit from there. You can easy do this by open up a new credit card from banks like Orchard Bank (Orchard bank has credit card plan designed specially to help people rebuild their credit after bankruptcy).
Use this new credit card responsibly and make the monthly payment timely; with this you are building new history of good credit behavior on your credit report. Over time, you may want to open additional credit card accounts or obtain a loan to boost your credit score even higher.
Step 5: Monitor your progress
Subscribe to a credit card monitoring service or get a credit card monitoring software and use it to track your credit score progress closely. Your credit score should improve steadily as you continue to use credit responsibly and add new positive information to your credit reports.
Bankruptcy does not need to chain you to bad credit for the next seven to ten years, but you have to be proactive in order to recover and rebuild your credit.
3 Types Of Debt Help Available Online - Consolidation Loans, Debt Management And Debt Settlement
When it comes to consolidating debt, the internet offers three very good options. When you want to choose between a consolidation loan, debt management, or debt settlement, it is important to have an understanding of each one so you can choose the option that is best for your needs. Many people confuse these three services, but each one brings unique aspects to the job of helping consumers pay off their debts.
Debt Consolidation Loan
A consolidation loan takes all of your high interest credit card debts and turns them into one low interest loan. Often you have to be a home owner to qualify for this type of loan. The idea behind a consolidation loan is that with a lower interest rate, you will actually be able to afford to pay on the principle and that will help you to eventually get yourself out of debt.
Debt Management
Debt management companies work with consumers to help them learn to get control of their finances. The companies teach individuals how to make a budget and stick to it and often help them make a schedule to follow for paying off their debts. Most debt management companies are non profit and exist solely to help consumers get on track. These companies don’t offer loans or negotiations and seldom work with creditors. Instead they work with you so you will have the tools to secure your financial future.
Debt Settlement
Debt settlement companies actually go to your creditors on your behalf. The work hard to negotiate with credit card companies to reduce what you actually owe. They can often lower interest rates, have penalties and late payment fees removed, and even get credit card companies to lower the balance of what you owe. Many of them will set up a system where you pay them one amount each month and then they in turn make payments to your credit card companies.
Debt Consolidation Loan
A consolidation loan takes all of your high interest credit card debts and turns them into one low interest loan. Often you have to be a home owner to qualify for this type of loan. The idea behind a consolidation loan is that with a lower interest rate, you will actually be able to afford to pay on the principle and that will help you to eventually get yourself out of debt.
Debt Management
Debt management companies work with consumers to help them learn to get control of their finances. The companies teach individuals how to make a budget and stick to it and often help them make a schedule to follow for paying off their debts. Most debt management companies are non profit and exist solely to help consumers get on track. These companies don’t offer loans or negotiations and seldom work with creditors. Instead they work with you so you will have the tools to secure your financial future.
Debt Settlement
Debt settlement companies actually go to your creditors on your behalf. The work hard to negotiate with credit card companies to reduce what you actually owe. They can often lower interest rates, have penalties and late payment fees removed, and even get credit card companies to lower the balance of what you owe. Many of them will set up a system where you pay them one amount each month and then they in turn make payments to your credit card companies.
5 Countries to visit before you die
1 - Egypt. King Tut, The Pyramids, The Valley of the Kings. The list is endless. But it’s just not the history and the culture, it’s the people too. Egyptians are some of the kindest and most generous people on the planet. They will welcome you into their homes in a second and even if they have almost nothing, they will share it with you.
An afternoon on the Nile with an Egyptian felucca captain sailing your boat as the sun sets over the Nile in Luxor is a once in a lifetime experience not to be missed.
2 – China. China is not somewhere people immediately think of when planning a holiday…but they should, and hopefully after the Olympics in Beijing they will. Even if you could only afford 7 to 10 days, an itinerary that takes in Beijing, Xian, a Yangtze River Cruise and Shanghai will be a great introduction.
And for an unforgettable experience, juts visit Guilin. Guilins landscape is amazing and totally unique. It can’t necessarily be called Mountainous as such, but the peaks that do rise, rise almost vertically up into the mist.
If you get a chance take a ski lift up to one of the peaks and just stare in awe at the view, and if you are feeing adventurous, take a kart down a toboggan style run (about 3,000 feet in length) !
3 – Jordan. Handily located, if you plan it right you can visit Egypt and Jordan together to make a real trip to remember. Amman is a great city full of atmosphere, Petra is marvellous, but surely the can’t miss site is the Dead Sea. The only ocean in the world with so much salt in it, you actually float !
This alone makes Jordan a must see country and on top of what I have already mentioned, don’t forget the Wadi Rum, Aqaba, Jerash and the Kings Highway. A week in Jordan is good, but 10 days is better.
4 – Hong Kong. Although there is much more to Hong Kong than just shopping, if you do love to shop, then Hong Kong is the place for you. A stroll along Nathan Road and a visit to the Temple Street market just HAS to be done. And make sure you have your bargaining hat on as haggling is as big a part of the experience as the purchases themselves.
There lots more to Hong Kong too. The great thing is that despite it being a modern city, there is tradition around every corner. Don’t forget to take a trip to Victoria Peak and enjoy the stunning views and remember that even if it’s misty, there are 2 guys at the top who will take your picture and transpose it onto a picture of what you should see if the weather where not so poor ! I also suggest a couple of half day visits out to Lama and Lantau Islands too. A great way to escape the hustle and bustle of the craziness that is Hong Kong.
5 – Thailand. Thailand suffers a little from it’s reputation of being a very hedonistic destination and while it is true that the is a very wild side to Thaialnd (especially certain areas of Bangkok, Phucket etc) there is also an amazing culture to immerse yourself in.
There really is everything there, adventure, culture and even for the not faint hearted, a place about 1 hour north of Thailand where you can go in, yes go in, with real live tigers. No cages, no chains, just you and around a dozen tigers. For me it was a thrill of a lifetime and without doubt it is just one of the many reasons that Thailand is in my top 5 of places you need to visit in the world
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