Bad Credit Checking Accounts With Guaranteed Approval How to Get Approved

Having bad credit is self perpetuating: the worse your credit score, the harder it can be to get out of debt, start paying your bills on time and turn your financial life around. Regardless of your credit score, one of the most important building blocks of having a normal, healthy financial life is to have your own checking account.

If you have tried one or more times to get approved for a new checking account but have been rejected, you may believe that your credit score has something to do with your situation: it doesn t.

The Anatomy of a Bank Account Rejection

In reality, getting your checking account application rejected has nothing to do with your credit, or FICO, score. Rather, the sole purpose in life of your credit score is to determine whether you are eligible for auto, mortgage, or personal loans and what interest you qualify for.

The Real Culprit: Chex Systems

The real culprit in your acceptance or rejection into a new checking account is something called Chex Systems. This is a risk assessment database that banks use to share information with each other about customers or ex customers whom they deem to be a banking credit risk. Your name can get reported to Chex Systems for any number of reasons, including:

a. You still owe a previous bank with which you did business money for their covering one of your past charges that resulted in an overdraft.

b. You committed some sort of bank fraud or something that could be easily mistaken for bank fraud.

c. You committed or are suspected to have committed check fraud at some point in the past.

d. For some other reason, some bank out there thinks you represent a risk.

Your Backdoor: Second Chance Checking

Fortunately, if your name has been reported to Chex Systems, you do have another option: opening a second chance checking bank account. These checking accounts are identical in every way to a regular checking account, except for the fact that they the bank does not refer to Chex Systems during the application process. Bottom line: even if your name is on Chex Systems, it will not matter at all in terms of whether you will be approved for a new account.

If you want to find bad credit checking accounts with guaranteed approval, read on.

Finding Bad Credit Checking Accounts

To get a bad credit checking account, you need to:

1. Get out a piece of paper and create a list of at least 5 10 second chance checking banks.

2. Review their websites to determine which one looks like a fit for you.

3. Apply, but don t worry about being declined even if you have a poor FICO score and/or if your name appears on Chex Systems.

Bad credit checking is actually within reach for most people. Now that you know that your past rejections by banks has nothing at all to do with your credit score, you have a better understanding of how to get an account. Find a second chance checking bank and you are guaranteed approval. Author Resource:- Get immediate access to a complete list of second chance checking banks in your area at: http://www.Checking-for-Everybody.info.

Excel and Keeping Track of Time and Dates 7 Popular Formulas

Microsoft Excel can be used in a lot of different ways. Among the most popular are storing data, doing mathematical calculations, and generating reports.

If your work with Excel involves tracking the change of meaningful data such as business performance (revenue/profits/units sold), weather temperatures, or money spent over time, you will want to use Excel s date and time functions.

Excel and Keeping Track of Time and Dates

Here are 7 of the most popular formulas and techniques for keeping track of time and dates in Excel:

1. Insert the current time: To insert the current time into any cell of a worksheet, use this formula:
=NOW()

2. Insert the current date: Similarly, to insert the current date into any cell, use this formulas:
=TODAY()

3. Format time and date values: For any situation whereby you will be displaying date and/or time information, you have a very large range of options of how that data is formatted for display. Specifically, the options vary along the dimensions of: a. time vs. date vs. time and date together; b. standard format for your region or country; c. degree of precision of the date or time being displayed.

To access all possible formatting options for your project:

a. Highlight the range of cells in question.

b. Press Ctrl + 1 to open the Format Cells dialog box.

c. From the Category list on left, choose Date or Time.

d. From the Type list on right, select the desired format.

4. Calculate the total elapsed time between two dates/times: For example, let s say you want to calculate the difference between these two dates/times: July 12, 2011 2:58 p.m. and August 18 2011 at 8:52 p.m.

Note: you have two options concerning how you display the result: showing the difference between the time portion only, or in terms of actual total time elapsed while taking the dates into account, as well.

In both cases, you would want to subtract the earlier date/time from the later date/time. So:

a. Enter the earlier time into cell A1 as 7/12/11 14:58.

b. Enter the later time into cell A2 as 8/18/11 20:52.

c. Now, into cell A3 enter this formula:
=(A2 A1)

Lastly, format cell A3 according to how you want the result displayed:

* If you want to display the elapsed time only (but ignoring the elapsed days in between the two dates), use this format found in the Type = Time formatting selection list: (h:mm:ss), which is displayed in the formatting selection list as: 1:30:55. (Your result in this case should be: 5:54:00, or 5 hours, 54 minutes).

* If you want to display the total elapsed time in a way that reflects the difference between the calendar days represented as hours as well as the time itself, use the ([h]:mm:ss) formula, which is displayed in the formatting selection list as: 37:30:55. (Your result should be: 893:54:00, which means 893 hours, 54 minutes).

5. Calculate the number of weeks between two dates: Start by entering the dates in question into two different cells and subtract the earlier date from the later date (see above example). Be sure to format the results cell as Category = General (or Number). Then, divide the result by 7. For example, if the dates in question are in cells A1 and A2, then in A3 enter this formula:
=(A2 A1)/7

6. AutoFill dates across a range of cells: If you have entered a certain day, month, or year into a cell, you can drag the contents of that cell across or down your spreadsheet by simply grabbing and dragging the cell by its fill handle (bottom, right square of a highlighted cell). Excel will automatically extend the times or dates incrementally, cell by cell.

7. Calculate the weekday: This one is pretty straightforward. Just enter the following formula into a cell, whereby A1 contains a date:
=WEEKDAY(A1)

The result will be a number from 1 to 7, whereby 1 = Sunday, 2 = Monday, etc.

As you can see, Excel is very versatile with its calculation and display of dates and times. Author Resource:- Get more FREE MS Excel tips at: http://www.Untangle-Your-Thoughts.com.

Depression and Obesity: How Detox Can Help

There s nothing as depressing as being overweight or obese. Some say that depression causes obesity, yet others claim that it s obesity that prompts a depressive state. Even researchers have been puzzled over this chicken and egg dilemma over the years. But there s no question about it obesity and depression are linked in both adolescents and adults, and no one wants to be stuck in either of these unfortunate situations.

There is no defined one way link that states which causes which. Depression can cause a person to overeat and gain weight while being obese can cause an individual to get into a depressive state. The two can be co dependent and feed off each other.

Depression causes obesity: Individuals with symptoms of depression tend to undergo drastic weight related changes. People experiencing depression have a tendency to make poor food choices. Some tend to lose their appetite and a lot of sleep, while most are likely to overeat in an attempt to ward off the depression. Research has also observed that depression can cause decreased levels of the hormone seratonin. Seratonin acts as the brain s oil and when we find ourselves in stressful or depressive states, we use more seratonin than is normally replaced. This results to the development of an appetite disorder . We either lose our appetite completely or yearn for sweets and carbohydrates as the brain tries to make more seratonin. Eating becomes a repressed effort to self medicate and restore seratonin levels to normal.

Obesity causes depression: Overweight or obese people are 25 percent more likely to experience mood disorders such as overwhelming sadness and depression compared to those who are not. A low self esteem and a tendency to isolate themselves contribute much to the cause of depression among overweight individuals who find themselves ostracized, discriminated against and stereotyped. The extra weight they carry can also result in lifestyle diseases such as diabetes and hypertension, which are known to be linked with conditions of depression.

Either way, depression and obesity are quite difficult states. Both conditions steal the life out of an individual and restricts him or her from fully enjoying the beauty of the world around him. There is help available and one road to take is treating such conditions the natural way. Nature s supplements have an amazing capacity to heal the body and bring it back to optimum condition so that negative elements cease to take their toll.

Toxins and harmful elements invade our body through the food that we eat and the occasional agitation and turbulence of the daily grind. As a result, metabolism slows down and gives us that I don t want to get out of bed feeling. Metabolic disturbance or disorder is one major cause of weight gain and hormonal imbalance that can cause depression. We need to provide the body with protection so it is able to deal with these conditions effectively.

One effective way to address this is to cleanse the body of all harmful toxins and free radicals so metabolism is restored and the body is able to absorb nutrients properly. The Clean 9 Nutritional Cleansing Program is designed to do just this. It is an thorough cleansing regimen specifically formulated to purge harmful chemicals and toxic build ups in just 9 days. As it detoxifies, Clean 9 replenishes the body with essential nutrients intended to bring on a remarkable increase in energy, improved metabolism and digestion, enhanced immunity and protection, and increased mental awareness and stability.

Jumpstart your pursuit to get in shape and achieve total wellness of both mind and body. Get a detox and get a life! Author Resource:- Lisa Gylsen has worked in the health and nutrition field for the past 15 years. She has helped hundreds of people to lose weight and lead a healthy lifestyle. She runs her online business and own healthy lifestyle from the idyllic island of Mauritius. For more information please visit: http://natural-cleanse.com

Life Insurance Quotes – Whole Life Insurance Quotes – How do I Get One?

Ahead of rummaging around for online whole life insurance quote, you have to think about more than a few aspects that could have an effect on your hunt. To begin with, you have to be familiar with that a number of websites declare of assisting you in getting the best possible rates for your insurance. These online websites have access to several different insurance companies and a range of their life insurance plans. On the other hand, take care that your preferred website is lawful and that it has excellent reviews from past and current consumers. Take care you look into a number of websites to evaluate their services by comparing each one of them.

You must as well be prepared for quite a few details that might be asked over in such websites as soon as you would like to get life insurance quotes. Even as essential details like age, sex, height, and weight might be asked, you may as well have to fill in details with regards to your family s medical record in addition to yours. Other queries include if you are a smoker or non smoker, alcoholic or non alcoholic, your job profile, whether you are working in a risk free office environment or working in a risky jobs such as building construction and so on. For that reason, you have to be all set for such queries while getting online life insurance quotes.

Whole life insurance policies are to be had in different kinds. These comprise permanent life insurance policies, universal life insurance policies, and variable universal life insurance policies. You have to know how to make a decision on which whole life insurance policy goes well with your requirements and capabilities earlier than getting life insurance quotes.

Whole life insurance quote is an approximate figure of the amount you will have to pay the life insurance company derived from their premium costs and other features and riders in the policies you are interested in buying. You have to know how to make use of the quote in a judicious manner the policy that is best suitable for you and your family. At the same time as getting a quote online, take care it is correct and make certain that the website is just not misusing or passing on your personal details.

It’s better if you decide to buy a whole life insurance policy when you are still young because, it will cost you less when you are still young and earning and will remain the same all through your life. In addition, in your later years when you are no more working, you won t need to make financial arrangements for the premiums, given that they will be paid up. You can as well have a loan of against the amount of cash value you accumulate in the insurance policy; however this is one of the factors of policy and does not affect in any way the life insurance quotes you get. If you still by now haven’t insured your life now is the time to get yourself insured, don’t wait until it’s too late. Author Resource:- Please visit: http://www.einsured.co.uk/

Greece Travel Deals – Experience Greece With Low cost Holiday Package

Holidays to Greek islands are a dream for a number of people across the world. Among all the things that are on offer, it is simple to make out why these islands keep on enjoying such a tempting appeal to a number of people. There is a lot to enjoy once you decide on one of several reasonably priced holidays to Greece that are now available. For instance, at the outset, there is the incredible sunshine that is so much different from the freezing, damp climate of Northern Europe and Northern America. For that reason, people from wintry climates like low cost holidays to Greece however, there is so much more to experience as it comes to enjoying a low cost trip to Greece.

Greek holidays provide the chance to experience and enjoy the affluent Greek cultural inheritance at the same time as visiting attractive prehistoric Greek locations and to find out more on the subject of the Greek civilization and lifestyle. There is a lot to opt from, in accordance with your liking, by means of holidays to Greece. These consist of superb yacht trips, water sports for the daring and for those just wanting the peaceful environment of small serene fishing town. For the more vivacious and friendly animal, there is all the time the hurly burly of hectic beach resorts with plenty of nightlife activities.

Greece is famed all over world for its celebrated past, however there is a great deal more to it than just a vibrant history. Rummage around for pictures of Greece and you will at once notice that it is one of the most picturesque and spectacular countries not only in Europe, however on the entire planet. Still images of the countryside, beaches, sand and past locations just cannot do Greece fair dealing nevertheless. You in fact have to observe and feel the place personally, so that you are able to understand the environment that complements the surroundings.

Amongst the most interesting aspects of tour to the Greek Islands is that all of these islands are very much different from one another. In fact if you are fortunate to spend a week or two travelling around a number of these attractive island delights you will almost immediately find out that all of them enjoy an individual characteristics and exquisiteness. An admired option with travelers is a stopover at the sarcastic Gulf Islands that are near to mainland region of Greece. You can opt for an outing and simply take a trip to Aegina, Poros, Spetses, and Hydra all of them equally beautiful. If you are seeking a predominantly serene and intimate environment then Sporades Islands may be the ideal option for you. Situated amid northern and central Greece, these islands are popular for the most interesting scenery in this island nation.

By means of low cost holidays to Greece vacationers can change their travelling schedule unwinding on the seashore, meeting people from different countries and make new acquaintances and taking in Greek past and way of life. Holidays to Greece provide incredible worth for cash and lure tourists to revisit Greece almost every year for the ideal holiday feel. Author Resource:- Please visit http://www.luxury-holidaysclub.com today.