{56e54464736fc9d0d142ded5335a4b683f53a920cade9d88593dd8b5b7cbda5c}{56e54464736fc9d0d142ded5335a4b683f53a920cade9d88593dd8b5b7cbda5c}date{56e54464736fc9d0d142ded5335a4b683f53a920cade9d88593dd8b5b7cbda5c}{56e54464736fc9d0d142ded5335a4b683f53a920cade9d88593dd8b5b7cbda5c} {56e54464736fc9d0d142ded5335a4b683f53a920cade9d88593dd8b5b7cbda5c}{56e54464736fc9d0d142ded5335a4b683f53a920cade9d88593dd8b5b7cbda5c}page{56e54464736fc9d0d142ded5335a4b683f53a920cade9d88593dd8b5b7cbda5c}{56e54464736fc9d0d142ded5335a4b683f53a920cade9d88593dd8b5b7cbda5c} {56e54464736fc9d0d142ded5335a4b683f53a920cade9d88593dd8b5b7cbda5c}{56e54464736fc9d0d142ded5335a4b683f53a920cade9d88593dd8b5b7cbda5c}sep{56e54464736fc9d0d142ded5335a4b683f53a920cade9d88593dd8b5b7cbda5c}{56e54464736fc9d0d142ded5335a4b683f53a920cade9d88593dd8b5b7cbda5c} {56e54464736fc9d0d142ded5335a4b683f53a920cade9d88593dd8b5b7cbda5c}{56e54464736fc9d0d142ded5335a4b683f53a920cade9d88593dd8b5b7cbda5c}sitename{56e54464736fc9d0d142ded5335a4b683f53a920cade9d88593dd8b5b7cbda5c}{56e54464736fc9d0d142ded5335a4b683f53a920cade9d88593dd8b5b7cbda5c}

So one afternoon I was looking through a TV guide and came across one of the cult classic movies of all time, Incredible Mr. Limpet. Why does that title sound so familiar? Reading more I finally remembered. Although I have not seen this movie in decades, it is one of those that you remember and talk about, but what was it called? One of Don Knotts’ magical movies from the early 1960s, where Mr. Knotts stumbles and dives into the ocean and suddenly turns into an animated fish with glasses. Everyone and everything on the surface is true life. This live action / animation movie got me thinking, “how many of these magical movies are there in movie theater?” And that’s where my research began.

I am not talking about CGI for this article and I hope this is not the end of the world of cartoons in movies as we know it, thanks to computer technology. No, we are looking at the true art of making cartoons and making movies. Since 1927 (long before computers) there were Koko the clown, a cartoon clown in a live action setting. The clip was called ‘Out of the Ink Well’.

More of the cult classic movies of the pre-computer era animation / live action genre are …

1940 – You should be in pictures

Only Porky Pig, Daffy Duck, and Porky’s car are animated. Daffy and Porky left the studio they worked for to pursue a film career of their own.

[1945-AnchorsAweigh[1945-AnclasAweigh

A very nice fantasy musical with Gene Kelly and Frank Sinatra. Animated performance by Tom and Jerry. Gene Kelly and Jerry Mouse do a cute tap routine. Basically, the story is about two sailors who leave for Los Angeles to live an experience of life.

1964 – The Incredible Mr. Limpet

In my opinion, one of the best Don Knotts movies. A comic fantasy in the era of WWII (1941) before Pearl Harbor. The shy, fish-loving accountant (Don Knotts) travels and dives deep into the ocean and in that moment becomes an animated fish. He surfaces and talks to the non-cartoon people on the shore, his wife and his friend (Carole Cook and Jack Weston). In the end, he even becomes a war hero.

1964 – Mary Poppins

A fabulous Walt Disney fantasy musical where a magical babysitter takes two young children on a trip.

Starring: Julie Andrews – Mary Poppins

Dick Van Dyke – Bert / Mr. Dawes

‘Chim Chiminy’ good movie!

1971 – Bed knobs and broomsticks

This fantasy musical is very comparable to ‘Mary Poppins’. In 1940, Miss Price took a correspondence course in witchcraft in hopes of helping in the World War II effort against the Nazis. Eglantine Price and three children take you on a path of magical spells, adventure and fun in a bed for the whole family.

STARRING: Angela Lansbury, David Tomlinson.

1977 – Pete’s Dragon

A Walt Disney fantasy musical with live action / animation. The story is based on the early 20th century and a boy named Pete (of course) has a friend named Elliott, an animated dragon who can make himself invisible. Lots of fun and action!

Starring: Sean Marshall, Helen Reddy, Red Buttons, Shelly Winters, Mickey Rooney, and Charlie Callas (as the voice of Elliott).

Upcoming selections aren’t considered cult classic movies … yet. They are still hand-drawn cartoons just with a little help from the computer. It’s okay! They are still magical movies and show us that we are NOT at the end of the cartoon world.

Sadly, we seem to have lost some of the fantasy music genre. Ancient musicals have a special aura to feel good around them. But so did ‘Incredible Mr. Limpet’ and ‘Harvey’.

Returning to the cinema we are dealing with, we continue with …

1988 – Who Framed Roger Rabbit?

Produced by Steven Spielberg

A murder mystery set in 1947. Bob Hoskins, as private detective ‘Eddy Valiant’ has an investigation in Toontown where he meets the evil mobster ‘Judge Doom’ played by Christopher Lloyd and his group of henchmen played by animated weasels. Very entertaining movie!

1992 – Fresh world

Starring: Gabriel Byrne, Kim Basinger, and Brad Pitt.

A famous cartoonist finds himself in the animated world that he drew and created. Adult detective type story (13+ rated). A very well done animated / live action movie.

1996 – Space Jam

Starring: Bugs Bunny (voiced by Billy West) and Michael Jordan.

An out of this world story where a basketball game faces a challenge between the evil space creatures Monstars and the hilarious Looney Tunes. Michael Jordan joins the Looney Tune team as a doorbell. Most of the Looney Tune characters are here in this pact action movie.

2000 – Adventures of Rocky and Bullwinkle

Starring: Moose and Squirrel

Starring: Rene Russo (Natasha), Jason Alexander (Boris), Robert DeNiro (Fearless Leader), Randy Quaid, Jonathan Winters, and John Goodman.

Fearless Leader learns that Rocky and Bullwinkle have returned to Hollywood and sends Natasha and Boris to destroy them in their usual way of killing … bombs. Adapted from the television show that first aired in November 1959.

2003 – Looney Tunes: Back in Action

STARRING: Brendan Fraser, Jenna Elfman, and Steve Martin.

Bugs and Daffy try to save world domination with the help of Brendan and Jenna. Steve Martin is the sinister.

The entire cast of Looney Tune is in this great movie in one way or another. Sam the sheepdog is beating up Ralph the wolf is an example of some of the background antics, which are hilarious.

Amazing Mr. Limpet started this journey of mine in search of what I call the cult classic films of this genre. Integrating cartoons with live action, what a great idea!

Live-action 3D computer animation may be taking over, bringing the end of the cartoon world as we know it … I hope not! However, this genre also made great movies with its computer imaging software (another article). Great movies like these …

Alice in Wonderland;

Chronicles of Narnia

Jumanji;

Jurassic Park

Star Wars;

Gruesome

Casper;

The Mummy

So in conclusion, Twitter is your favorite cartoon production company and push for more live action / cartoon movies.

Thank you, Cinema Serge

Sports

Five current players who could soon join Trammell and Chipper as a Hall of Fame team

Because six new players were inducted in Cooperstown over the weekend, many baseball broadcasts have included discussions of current members as well as potential future members. During one particular game, one analyst praised the fact that two of the new Hall of Famers spent their entire careers with just one team.

Of course, he was referring to Atlanta Braves third baseman Chipper Jones and Detroit Tigers shortstop Alan Trammell. Jones received 410 out of 422 votes during his first year of Hall eligibility, while Trammell was elected by the Veterans Committee.

It was noted that baseball fans may not see even one one-year-old player, let alone two of them, arrive in Cooperstown for at least another decade. The announcer identified two future recruits, Albert Pujols and Adrian Beltre, who have played for several different teams.

However, a cursory glance at other stars approaching retirement seems to indicate that we will indeed be seeing another one-year-old player soon. In fact, there could be two or more.

Here’s a list of likely or highly prospective single-team players who could be enshrined in Cooperstown after they leave the field.

Yadier Molina of the St. Louis Cardinals
This guy is a no-brainer for Hall of Fame induction in his first year of eligibility, no matter what his offensive stats are. He has been the top receiver for nearly two decades, has led the Redbirds to multiple World Series appearances, has been selected as a perennial All-Star and remains one of the best decisive hitters in all of baseball.

Felix Hernandez of the Seattle Mariners
As he approaches his fourteenth season, King Felix is likely to rack up two hundred victories when he hangs up, well below the coveted three hundred mark that guarantees consecration. However, his era makes it nearly impossible to get more than fifteen wins per year, so that fact, plus a Cy Young award and six All-Star games, could give him a plaque.

Joey Votto of the Cincinnati Reds
His long contract almost ensures that the Canadian will end his playing days at Great American Ball Park, and his numbers are close to HOF statistics.

Joe Mauer of the Minnesota Twins
The Minnesota native has declined since winning the Most Valuable Player Award as a catcher for the Twins, which could affect his chances of entering the Hall. Also, because he is at the end of his current contract with his hometown team, Mauer could be fired from this list if he signs elsewhere next year.

Buster Posey of the San Francisco Giants
Ten years into his career, the catcher is a six-time All-Star with MVP and Award Rookie, but it could be his three World Series Championships that eventually land him in Cooperstown.

Tours Travel

Things to consider when booking a hotel in Brooklyn

Brooklyn, the most densely populated district in New York City (NYC) is a favorite tourist destination for many people around the world. The district is hesitant to be overshadowed by neighboring Manhattan, and boasts a lively culture and uniqueness. Brooklyn features a perfect blend of world cultures and world-renowned attractions. From a walk across the famous Brooklyn Bridge, a trip to landscaped Prospect Park, the Brooklyn Museum, Coney Island, Green-Wood Cemetery, etc. Brooklyn awaits you with many more attractions.

To ensure a comfortable trip to Brooklyn, you need to select and book a Brooklyn hotel that suits your needs and tastes. This can be a bewildering task as the township is packed with a variety of luxury, boutique and budget hotels to suit your travel needs, be it a leisure trio or a business trip. Even if you are on vacation in Manhattan, you can easily choose to be in Brooklyn, as Brooklyn hotels will be priced less than their Manhattan counterparts. Two of the key factors to consider before booking a Brooklyn hotel are: the hotel’s proximity to major locations and the rates.

Hotel in an easy to explore location

This factor is especially important if you are on a leisure or family trip with the primary intention of exploring the beauty and landmarks of Brooklyn. If the Brooklyn hotel you select is close to the places you want to explore, it will save you a lot of travel time. There are hotels near Brooklyn Botanic Garden and Prospect Park and they are located in downtown Brooklyn. There are nice boutique and luxury hotels located in the vicinity of the Brooklyn-Queens Expressway.

If you’re planning to explore Manhattan, hotels near the Queens section of Long Island City can be a great option. Although these hotels lack a vibrant location, you’ll be only a few blocks from several subway stations to make your trip to Manhattan easier. There are a multiplicity of hotels that are within walking distance of various restaurants, lounges, shopping venues, government and corporate offices. Corporate travel can be more comfortable if you opt for a hotel that is close to corporate offices.

Hotel that fits your bill

Brooklyn is home to a number of expensive and opulent hotels that lavish luxury and less expensive boutique hotels for budget conscious travelers. High-end luxury hotels in Brooklyn will be less expensive than comparable hotel rooms in Manhattan. The municipality boasts a variety of accommodation facilities ranging from renowned hotel chains, boutique hotels, and bed and breakfasts. Most of the high-end hotels are also conveniently located.

With a variety of room options, luxury hotels offer the perfect combination of a comfortable stay with great amenities. The rooms will be designed with touches of class and elegance to evoke a sense of pride in guests. On-site facilities such as restaurants, spa, massage parlors, gym, etc. will also be featured. Most high-end hotels have a 24-hour business center so business travelers can manage their work outside of the office.

If you are a budget conscious customer, you can save a lot on accommodation by dropping a star or two while selecting a Brooklyn hotel. If you think you can avoid a flat-screen TV or hot tub, opt for less expensive boutique hotels that combine sleek, clean, and fresh design with expert service. The Brooklyn hotel you choose, be it an ultra-luxury hotel or a mid-size boutique hotel, Brooklyn will never fail to make your trip a pleasant experience.

Arts Entertainments

Top 10 Excuses NOT to Succeed in the Music Business

Over the years, I have heard many excuses from aspiring artists as to why they are not successful in the music business. I have compiled a list of “Top 10 Excuses NOT to Succeed in the Music Business”. The difference between winners and losers is that winners act and losers make excuses not to act.

Here is my list of excuses:

1. I am too young

2. I am too old

3. I don’t have enough money

4. I don’t have enough contacts

5. I don’t know what to do

6. I just don’t have the looks

7. Other people are holding me back

8. I don’t live in the right city

9. I have many other obligations (children, marriage, work, etc.)

10. I don’t expose myself enough

Let me attack these excuses one by one.

1. I am too young

There have been many young people who have succeeded in the music business. In fact, most people start when they are young. Currently, there are young people who top the music charts like Justin Bieber. Michael Jackson started when he was 5 years old. Destiny’s Child found success when they were teenagers and look at its members now. Who hasn’t heard of Beyonce? If you are young, I say that you probably have a better chance of being successful than someone in their 70s. We will also dispel the excuse of “old age” in n. 2.

2. I am too old

I remember one of my friends telling me that if I was not successful in my 30s in the music business, I would quit altogether. Well the music business is very strange and instead of focusing on making great music and being a great entertainer, my friend focused on his age. Al Jarreau was in his 30s when he succeeded. More recently, Susan Boyle has become an international success, not because of her age and looks, but because she is talented.

3. I don’t have enough money

I’m sure I’m glad I got over this excuse early. If you don’t have money, then you need to find someone to invest in your music career or learn to advance your career without spending too much money. There are all kinds of guerilla marketing techniques that aspiring artists can use to further their careers. Go to the library and get a book on guerilla marketing and you will see what I mean. Better yet, Google it!

4. I don’t have enough contacts

Once again, let’s remove this excuse for good. We are in the informacion era. There are networking sites like MySpace, Facebook, Twitter, and many others online that will allow you to make all the contacts you need. In the offline world, you can attend music industry conventions to learn about the music business and build lasting relationships. I can’t even remember all the contacts that I have built over the years, but I will never say that I don’t have enough contacts.

5. I don’t know what to do

This is another tired excuse. There are many books in the public library on everything from how to do a show to how to book your own shows and earn money. If you really don’t know what to do, find a mentor and be on your way. Even if you don’t know them personally, success leaves clues. Find out what they did and duplicate it.

6. I just don’t have the looks

Of course there are many great artists in the entertainment industry, but if you don’t think you have “the look,” you should probably quit anyway. I’m serious. There have been some really box office hits that weren’t “bystanders.” Also, beauty is in the eye of the beholder, which means that different people are attracted to different things. This is more of a self esteem issue and you should probably work on increasing your self esteem first if you plan to be in the music business. Sometimes people can be mean and if you have thin skin or are easily offended this business is NOT for you.

7. Other people are holding me back

Seriously? Unless you’re in jail or someone is holding you against your will, no one can really stop you from achieving your musical goals. You need to look at the “man in the mirror” and figure out what you need to do to go ahead with your plan.

You have a plan, right?

There may be negative people in your life, but if that’s the case, if you are an adult, you can walk away from their negativity. Many artists hear the words, “I don’t think you can make it in the music industry.” If someone is telling you that, you should stay away from them as much as possible because you will start to doubt yourself and your talent.

8. I don’t live in the right city

Thirty years ago, this might have been true, but once again the Internet shoots this excuse to the heart. There was a time when you had to live in New York City, Los Angeles, or Nashville to succeed in the music business. The internet has leveled the playing field so that no matter where you live, you can earn money and be discovered if that’s your goal.

9. I have many other obligations (children, marriage, work, etc.)

In fact, I struggled with this one for a while. I put my musical dreams on hold to take care of my family and that was a very noble and responsible thing to do. However, I never stopped writing and pursuing my goals. I learned to make rhythms and I learned to market myself on the Internet as I have already told you so many times in this article.

I didn’t make excuses for what I was doing. I just need to find a different way to achieve my goals and there is absolutely nothing wrong with this approach. Even if you have to spend 30 minutes a day doing something to make your musical dreams come true, that’s better than doing nothing at all.

10. I don’t expose myself enough

I can group this excuse with some of the others above, but here is a different point of view on the exhibition. Internet, Internet, Internet! All you need is some basic equipment and you are on your way to massive exposure. You must first take a guerilla marketing course so that you can learn to promote yourself with little to no money.

I would also suggest getting a digital camera and / or a camera that records video. You can post photos and videos on the internet for your fans to see. Do you need to do a live show? Have someone record your presentation live and post it online on sites like YouTube. However, posting on a site is not enough. You need to learn how to drive traffic to your posts and that is why I highly recommend learning internet marketing.

People are gaining ground on the internet and it doesn’t take millions of people or millions of sales for you to be successful.

I’m sure there are more excuses than I’ve listed here, but I think these are the ones I’ve heard the most. If you are using any of these excuses above, I suggest you take a good look at yourself and find out if this business is for you.

Finally, I would like to leave you a budget. I’m not sure who the author is, but when you start making excuses, always remember this:

Excuses are the tools of incompetence. Those who use them build monuments out of nowhere that will come to nothing. Therefore there are no excuses

Technology

Facts about cordless phones

With necessity comes invention. In the modern era, when man thinks of talking on the move, the first thing that comes to mind are cordless phones that emerged in 1965. The first cordless phones never had the level of frequency that we have today. Research continued to be conducted by scientists and soon after, in 1994, the first digital cordless phones were introduced. Subsequently, digital spread spectrum or DSS technology took over in 1995 and the frequency level was increased to a higher level. In addition, the Federal Communications Commission or FCC also helped a lot in this regard. After reviewing the brief history and overview of phones, let’s discuss the usefulness of these phones in this modern age.

In the presence of mobile phones and the Internet and other sources of communication, you should never underestimate the usefulness of wireless phones. There is hardly a household that does not use the phones that have many benefits. The demand for cordless phones along with mobile phones keeps increasing in the market, which is evident as you will find these phones everywhere in the market. Most users love to use these phones while walking because they have no cable connections. This prevents them from wasting time sitting at home with landlines. The range at which he could talk wirelessly was about 300 feet, enough for his entire residence. However, there is an introduction of DECT phones on the market. Digital Enhanced Wireless Technology or DECT phones are the latest models of cordless phones that can cover the range of approximately 900 feet.

There are several sources including the internet and showrooms where you can learn about the advantages and new models with attractive new designs. However, keep a few things in mind when shopping for wireless phone deals. It is advisable to purchase the phones more frequently. Always insist on a 5.8GHz cordless home phone because it will provide you with the best signal quality, audio voice and display to display, SMS function, caller ID and clear sound with zero distortion. Also, as you know that competition is increasing in mobile phone companies, there are also a million fake products available on the market. You must make sure to buy cordless phones that are reliable and come from authentic companies.

Home Kitchen

Troubleshooting CBN Inserts – Defining Hard Turning

Definition of hard turn

David Richards defines “Hard turning” as machining tempered steels above 40 HRc, not hard in “difficult” terms. Alloy steels with a hardness less than 40 HRc are generally not machined with CBN inserts because other tool materials perform the same or better and cost less. Soft materials often stick to PCBN cutting tools causing “buildup” on the cutting edge. This results in poor surface finish and poor wear life. PCBN tool geometry used for machining hardened steel is very dull with no chip groove geometry to provide chip control, not ideal for machining soft steels. However, some high alloy 30+ HRc steels are successfully machined with DR-50 because nothing else will work. If there is no adhesion, reliable size control and a consistent surface finish can more than justify the cost of the tools.

Aluminum Alloy Machining

Aluminum alloys cannot be machined with CBN inserts. PCBN has traces of aluminum nitride. Aluminum builds up on the cutting edge very quickly, causing rapid tool wear and poor surface finish.

Cast iron machining

Cast iron and iron-based hard facing alloys with significant ferrite content are not machined with CBN inserts. The soft, sticky ferrite clings to the cutting edge of the CBN insert causing rapid wear and poor surface finish.

Machining D2

Interrupted cutting of D2 tool steel is very difficult and unpredictable. D2 contains up to 14% chromium and was designed for use at 50-56 HRc. If the material hardens to +60 HRc and is not tempered very carefully, the formation of chromium carbide at the grain boundaries makes the material impossible to machine with interrupted cuts.

HSS machining

High Speed Steel Interrupted Cutting – HSS is temperature resistant and does not soften in the cutting area. The interrupted cut of nitrided steel is difficult. When making a continuous cut, the super hard surface is machined by a part of the cutting edge that does not control the size or finish of the surface. When cutting is interrupted, the entire cutting edge hits a super hard surface, reducing tool life.

Machining of hard facing alloys

Hardfacing alloys – Stellite (cobalt / chromium alloys) and Colmonoy (nickel / chromium alloy) with more than 20% chromium are practically not machined with PCBN – Tool life too short. Chromium cannot be machined with PCBN. PCBN can be used to remove hard chrome surfaces and expose a hardened steel base material, but machining into chrome is not possible.

High temperature machining of alloys

High temperature alloy machining: Inconel, Hastalloy, Waspalloy, Titanium, Nimonics, etc. are not machined with PCBN. Tool life is negligible due to chemical affinity.

Auto

Benefits of electric cars

Electric cars are the newest addition to the automotive industry. With technology picking up pace in today’s age, the automotive industry has also turned to electric models of the car. Although these are not primarily used today, hybrid cars that run on both electricity and gas are also available. The biggest advantage of using these cars is that they are totally ecological, since the carbon emission of the vehicles deteriorates the atmosphere by producing greenhouse gases. Therefore, these cars are an excellent option to stabilize the environment. Opting for an electric car also generates government subsidies for being environmentally conscious.

The first question that arises is what electric cars really are. Then these cars are specially designed and installed with rechargeable batteries for their operation. Here are some points to consider before buying one:

1. No need for gas:

Electric cars run entirely on rechargeable batteries. Thus, it saves you the need for gas. Fuel-based cars are sometimes not pocket-friendly due to fluctuating fuel prices, but with electric cars there is no need to rely on fuel at all.

2. Cause savings:

Fuel costs are reduced and therefore money can be easily saved. Additionally, the government rewards incentives for being green, which can also help you save. Most of the expense of the vehicle, without a doubt, is in the fuel and the electric cars surely rescue you from it.

3. Zero emissions:

As mentioned above, carbon emissions are not only harmful to the environment, but also to our health. Carbon is an important factor in the deterioration of the ozone layer and, therefore, electric cars are respectful with the environment. With the use of these cars, you will contribute to being ecological.

4. Effective cost:

Electric cars are believed to be expensive and cause a lot on your pockets for general maintenance, but on the contrary, these are totally profitable. Massive battery production and incentives have reduced maintenance for such cars.

5. Reduced noise pollution:

The electric motors used in these cars do not produce any noise and move smoothly on the road. Noises are not produced even at higher acceleration speeds. This is a huge benefit because fuel-based cars also cause a lot of noise pollution.

There is no need to worry about buying one or not. Electric cars are the new generation cars that are loaded with perks and you can definitely give one a try.

Digital Marketing

Sample Articles: Sample Article Writing Process

To help you write your next article, I am going to go through the process of writing my article. The main purpose of article writing is to generate as much traffic as possible to the site. When a visitor comes to my site, I want them to read the content on the page and sign up for the list.

When someone reads an article, they must feel that the content is very interesting. They should feel like they got a lot of useful information. It is also important that they want more.

So if we were in the weight loss niche, one of the first things to do is write a list of topics that people who want to lose weight would want to know about weight loss.

Here is an example:

– What foods will allow you to lose weight?

– What foods should be avoided completely?

– What kinds of food should I eat in social settings?

– What foods should you eat to snack on?

– What should you do if you leave the program?

One of the things to keep in mind about the above is that they are all topics related to weight loss in general and diet in particular.

Let’s create another list of topics focused on another weight loss subtopic.

– How often should you exercise to lose weight?

– Do you really need to warm up before you start?

– What type of exercise will work best for weight loss?

– What are the best exercises to flatten the stomach?

As you write this list of weight loss related subtopics, you won’t come up with ideas for writing.

Next, it’s time to take one of the topics and write a 400-word article specifically on that topic.

Divide your article into three, the introduction, the body and the conclusion. The introduction can consist of 3 to 5 sentences. The conclusion, perhaps 2-3 and the body of the article, 4-5 paragraphs discussing specific ideas in detail. Remember to insert the main keyword in various places in the article. An insert at the beginning, in the main body and at the end of the article will suffice. These inserts should not make the content awkward or difficult to read and understand. If you find it difficult to insert keywords, delete them.

At the end of the article, you should insert your call to action and your bio. A sentence or two about your experience or qualification would not hurt here either.

Business

Credit Restoration – Using FCRA Section 609 to Restore, NOT Repair Credit

A simple, relatively unknown but proven legal strategy can be implemented to raise FICO scores from 60 to 120 points. In 1999, H. Bruce McInnis Jr. in Maine examined Section 609 of the Fair Credit Reporting Act (FCRA) and noticed something that, as far as he knew, no one had noticed before; 609 (c) (2) (E): “A consumer reporting agency is not required to remove accurate derogatory information from a consumer’s file, unless the information is out of date under section 605 or cannot be verified.”

If the precise derogatory information in the consumer’s file cannot be verified, the reporting agency is required to remove it. This law requires that all companies that report credit events, not just the original creditor companies, be able to present verifiable evidence of the negative event. Holds credit reporting agencies accountable for negative information they transmit. Obviously, this is related to the debtors’ right to question the accuracy of the negative facts reported to them. The government’s intention was to protect debtors so that inaccurate information was not used against them.

The burden of proof does not rest entirely with the original creditors. All parties reporting this data are responsible for its accuracy. The companies that report credit facts, in addition to the original creditors, are the credit bureaus; mainly Experian, Equifax and TransUnion. Did they keep verifiable records of people’s debts? Mr. McInnis began challenging the credit bureaus to verify negative credit events on his clients’ credit reports by producing a copy of the original Creditor Documentation. He did not question the accuracy of these events, only used a legal strategy to question the ability of credit reporting agencies to verify their accuracy. In effect, it used Section 609 of the law to require credit bureaus to justify their reports. If they couldn’t verify the data, they had no right to keep it on their credit reports. The credit bureaus began to comply. They removed negative events from credit records.

Credit reporting agencies do not keep records of original documents for credit applications and events. They do not have a signature on a Visa card application. They do not have a signature on an auto loan application. They do not have a signature on a bankruptcy filing. All they have are electronic signals in their databases. They simply accept what the creditors have told them about the debtors. Although the debtor knows it is correct, the credit reporting agencies do not. They cannot verify the accuracy of a single piece of data in their database.

Credit bureaus are regulated by the government due to the nature of their business, but it is important to understand that they are private companies. They are not legally or morally obliged to report anything about anyone. For example, most people know that most negative events stay on a credit report for seven years (ten years for Chapter 7 bankruptcies). This is not a legal requirement. In fact, they could remove all bankruptcies from all records tomorrow, if they wanted to. They are simply not allowed by law to report these events for more than seven (or ten) years. They are not required to report them at all.

Of course, it is their business. That is why they do it. But they have a choice and when they are forced to verify the data they report, they will choose to eliminate negative events. Essentially, credit restoration does not eliminate negative credit events. In fact, it makes them “invisible” to anyone viewing a credit report and this, of course, is reflected in the credit score.

Relationship

How to manage childhood obesity