Benefits for Increasing Your Credit Card Limit

Increases Your Rewards

If you consistently pay off your balance in full and on time but you're not putting all of your expenses on your credit card, it might be time to start. Having a higher credit limit can help you do that. The conventional wisdom says that you shouldn't charge everyday expenses like groceries and gas to your credit card, but that advice only applies if you're carrying a balance - it's designed to help you avoid making a bad problem worse.

If you never carry a credit card balance, paying for recurring expenses on your credit cards won't cost you anything and can help you earn more rewards. Those rewards can actually reduce your spending in other areas by helping you pay for vacations, gifts, clothes and nights out.

Cheaper and Easier to Get Loans and Additional Credit

when you're not using nearly all of your available credit, you appear to be financially responsible to the credit bureaus and your credit score should increase. If your credit score is higher, you will have a better chance of getting approved for a credit card, car loan or mortgage in the future. You'll also have a better chance of getting a lower interest rate, since your credit score determines whether you'll be offered the best available rate or a higher, risk-adjusted rate.

Helps in an Emergency

Having a credit limit well in excess of your usual spending amount gives you a resource if you have a genuine emergency that you can't pay for with cash. Say you're traveling and you need to change your plans and return back home immediately - it probably won't be cheap to change your plane ticket, and it's easier to pay for a plane ticket with a credit card.

Lowers Your Credit Utilization and Increases Your Credit Score

The  credit scoring model will ding your credit score if the amount of credit you've used is close to the total amount of credit available to you. That's because it considers you to be at risk of maxing out your cards and having trouble making future payments. You might know that these risks don't actually apply to you, but that's how the scoring model works.

If you have a 2,000 credit limit and you regularly end up with a monthly bill of around 1,800, you're using 90% of your available credit. Raising your credit limit will reduce that percentage and should improve your credit score.

Important

Increasing your credit limit just means giving yourself the opportunity to spend beyond your means, right? Not necessarily. Increasing your credit limit can have a number of upsides if you manage your credit wisely.  If you know you're likely to spend up to your credit limit no matter how high it is, that major drawback will outweigh these benefits of increasing your credit limit. Otherwise, consider requesting an increase. It's usually as simple as sending an email to customer service.

Happy Republic Day

World’s first international school......

Ylva-Maria Thompson has opened the world’s first international sex school for teaching the art of being better lovers, the Daily Mail reported. While many people may think it’s an activity which should be best learned behind closed doors, an enterprising Swedish schoolmistress thinks otherwise.

School’s spokesperson exuded confidence that the school would be a great success. The school, however, has already turned controversial in Austria with it raunchy advertisements showing a couple making love having already invited ban by Austrian TV.

The Austrian International Sex School in Vienna offers ‘hands on’ lessons in seduction for 1,400 pounds a term. The ‘headmistress’ says anyone over the age of 16 can enrol at ‘the world’s first college of applied sexuality’.

Students of the course are expected to stay in a co-ed dormitory block where they’re expected to practice their ‘homework’. By the end of their course, they are awarded a qualification. The school head said: ‘Our core education is not theoretical, but very practical. The emphasis is on how to be a better lover.

‘Sexual positions, caressing techniques, anatomical features. And we teach people hands on.’

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A wedding is a day to remember for any woman and it is one of the happiest moments in life. Another time that is great is having a baby and some woman experience the two at the same time. Luckily for these women, dress designers make maternity wedding dresses for the soon to be mommy and soon to be bride. There are many options to choose from depending on certain factors which will help pick the best wedding dress for the special day.

The main consideration to factor in is how far along in the pregnancy you are. If you are in the beginning or towards the middle, you can usually buy a size a little larger and it would be fine. If you have considerable size added, it is best to talk to a tailor and see what is the best material that can be altered quickly. There are many styles to choose from for a maternity wedding dress and you can be assured that you will look fabulous and beautiful on the special day.

There are some styles that are better than other depending on your personal body type. Some women gain more weight in their legs so a good option would be a dress that is longer and covers up the arms. Although no matter what body type, for pregnant woman it is never good to get a ball gown type of dress because it will make the body appear much more round and bigger. For a women who gains size on the arms and back, a strapless dress wouldn't be the most ideal option, but something with sleeves would be great. And sleeved dresses such as lace sleeved dresses are very popular and are a classic, timeless look.

For women who are in the initial stages of pregnancy, a popular thing that women do is buy a plus size wedding dress. Since the stomach will not be very large but overall you will be slightly bigger a plus size dress is another option instead of going a size bigger. There are many options to choose for the soon to be mother and soon to be wife. The best thing is to find what is going to be best suitable for your own body and not worry about the latest trends and fads. Finding something to accentuate your good points is the key for a perfect wedding dress.

HAPPY DIWALI 2011

Anna Hazare Protests Against Corruption

Anna Hazare, who led India's largest street protests against corruption in decades, said on Tuesday he plans a hunger strike against the ruling Congress party during state elections in Uttar Pradesh next year if the anti-graft Jan Lokpal Billis not quickly passed. Millions of mainly middle class Indians supported a near two-week fast in August by veteran self-styled Gandhian campaigner, forcing the centre-left government to bow to many of his demands for tougher laws to fight graft.

The 74-year-old Hazare said he would campaign against Congress before the polls in Uttar Pradesh if the government does not approve his anti-graft proposals. The state elections are a stepping-stone before the general election in 2014 and a major test for possible prime  ministerial candidate Rahul Gandhi, the emerging leader from India's most famous family dynasty who is personally leading the Uttar Pradesh vote campaign.

After his last hunger strike, the government partially agreed to Hazare's demand that an anti-corruption agency should have the power to investigate the prime minister, judges and civil servants.

In India Danger of collapsing Taj Mahal.

The Taj Mahal will collapse within five years unless urgent action is taken to fix its rotting foundations, campaigners warn. The 358-year-old marble mausoleum is India's most famous tourist attraction, bringing four million visitors a year to the northern city of Agra. But the river crucial to its survival is being blighted by pollution, industry and deforestation. Campaigners believe the foundations have become brittle and are disintegrating. Cracks appeared last year in parts of the tomb, and the four minarets, which surround the monument, are showing signs of tilting.

The Taj Mahal was built by Mogul emperor Shah Jahan, who was grief-stricken by the death of his wife Mumtaz Mahal in childbirth. A campaign group of historians, environmentalists and politicians say time is running out to prevent a 'looming crisis'.

"If the crisis is not tackled on a war-footing, the Taj Mahal will cave in between two and five years," the Daily Mail quoted Ramshankar Katheria, the MP for Agra who is leading the campaign, as saying. "The architectural wonder of the world is losing its shine, and if this persists the minarets may also collapse since the wooden foundation - beneath the wells - is rotting due to lack of water. 

"No one has been allowed to go into the foundations for the last three decades. If everything is fine, what have they got to hide?" Professor Ram Nath, a historian who is one of the world's leading authorities on the Taj, said: "The Taj stands just on the edge of the river Yamuna which has now dried up. "This was never anticipated by its builders. The river is a constituent of its architectural design and if the river dies, the Taj cannot survive,"