Category: Finance

Jeux à thème égyptien et la quête des trésors perdus fascinants

Dans un monde où l’aventure et le mystère se rencontrent, l’Égypte ancienne éveille toujours fascination et curiosité. Les pyramides majestueuses, témoins d’une époque révolue, cachent des secrets inestimables. Qui n’a jamais rêvé de découvrir les histoires enfouies sous le sable chaud, de croiser la route d’une momie bonus ou de percer le mystère d’un pyramide mystère ?

Chaque quête devient une quête jackpot, où l’exploration et l’excitation s’entrelacent. Les joueurs sont invités à parcourir des paysages peuplés de dieux et de légendes, tout en cherchant à dénicher des richesses oubliées. Ces créations captivantes promettent une immersion dans un univers riche en histoire et en aventure, où chaque tournant apporte son lot de surprises et de découvertes.

Comment choisir le meilleur divertissement inspiré par l’Égypte pour votre soirée

Pour sélectionner le jeu parfait lors de votre rassemblement, commencez par vous plonger dans l’ambiance antique que ces activités peuvent offrir. Pensez à des expériences qui évoquent la pyramide mystère, où chaque tour peut révéler des secrets cachés dans les hiéroglyphes. Une bonne option pourrait être une machine à sous Égypte, car elle permet d’allier le plaisir du jeu avec des éléments graphiques impressionnants.

Considérez également l’ajout d’un momie bonus qui pourrait agrémenter les parties et offrir des surprises excitantes. Les symboles scarabée, souvent associés à la chance et à la protection, peuvent enrichir votre expérience, rendant le gameplay encore plus engageant. Vérifiez les fonctionnalités proposées, comme les jackpots spéciaux, qui pourraient transformer votre soirée en une quête jackpot inoubliable.

Enfin, n’oubliez pas le cadre. Un temple sacré autour duquel les participants peuvent se rassembler contribuera à créer une atmosphère immersive, idéale pour profiter de chaque instant. Choisissez wisely pour faire de votre événement un moment mémorable, rempli d’aventures et de découvertes fascinantes, comme celles d’un pharaon trésor. Que la chance soit avec vous !

Techniques pour optimiser vos chances de gagner dans les jeux inspirés de l’Égypte antique

Pour maximiser vos chances de succès dans cette aventure au cœur des pyramides, il est important de considérer plusieurs stratégies. D’abord, familiarisez-vous avec les symboles scarabée, qui peuvent souvent déclencher des fonctionnalités spéciales dans ces machines à sous captivantes. Assurez-vous de savoir comment ces symboles interagissent avec les autres éléments pour améliorer votre expérience de jeu.

Ensuite, concentrez-vous sur l’identification des pyramides mystère qui peuvent augmenter vos gains. Ces structures secrètes renferment des opportunités de jackpot qui peuvent transformer votre soirée. N’oubliez pas que chaque session est une chance de découvrir un pharaon trésor caché, alors gardez un œil sur les missions et les bonus proposés.

Les mombies bonus peuvent également jouer un rôle déterminant. En activant ces personnages, vous pouvez débloquer des tours gratuits ou des multiplicateurs. Ne laissez pas passer ces occasions qui enrichissent votre expérience de jeu.

Pour créer une ambiance antique immersive, choisissez des machines à sous qui offrent des graphismes de qualité et des thèmes sonores captivants. Cela peut augmenter votre plaisir et votre concentration, ce qui est essentiel pour une expérience réussie.

Enfin, prenez le temps de lire les règles et les paiements des machines que vous sélectionnez. Connaître les hiéroglyphes des différentes combinaisons gagnantes vous permettra de prendre des décisions éclairées et rendra respectables vos efforts dans cette aventure profitable.

Les éléments culturels qui enrichissent l’expérience de jeu égyptien

L’univers des jeux inspirés par l’ancienne civilisation égyptienne est rempli d’éléments culturels captivants qui transportent les joueurs dans une ambiance antique fascinante. Au cœur de cette aventure, le temple sacré se dresse comme un symbole de mystère et de grandeur. Les graphismes dorés illuminent chaque coin, créant une atmosphère digne des plus grandes découvertes archéologiques.

Les hiéroglyphes, quant à eux, ajoutent une couche supplémentaire de profondeur à l’expérience. Chacun d’eux raconte une histoire ancêtre, offrant des indices précieux aux explorateurs en quête de richesses oubliées. La pyramide mystère se trouve en arrière-plan, incitant à la curiosité et au désir d’en percer les secrets cachés.

Un autre élément marquant est le symbole scarabée, représentant la protection et la transformation, qui incite les joueurs à faire fortune grâce à sa présence bienveillante. Les mécaniques de jeu intègrent souvent des surprises, comme la momie bonus, qui réveille l’excitation et multiplie les gains potentiels, ajoutant une touche d’imprévu à chaque partie.

Enfin, la quête jackpot devient un véritable objectif à atteindre, où chaque joueur s’immerge dans un monde où la chance et la stratégie se mêlent. Chaque spin sur une machine à sous Égypte offre non seulement la possibilité de gains, mais aussi une évasion dans une époque révolue, enrichissant ainsi l’expérience de jeu par la célébration d’une culture qui fascine encore aujourd’hui. Ce mélange unique d’éléments culturels et l’esthétique visuelle inspirée apportent une magie indéniable à l’aventure ludique.

Comparatif des divertissements à l’ambiance antique

Dans l’univers fascinant des jeux inspirés par l’Égypte ancienne, on observe une diversité captivante entre les divertissements de société et ceux vidéo. Chacun offre une expérience unique, mais quels en sont les principaux différences et ressemblances ?

  • Ambiance et graphisme : Les titres vidéo affichent souvent un graphisme doré impressionnant, plongeant les joueurs dans des pyramides mystérieuses et des temples sacrés. En revanche, les jeux de société mise sur une ambiance interactive où les participants s’engagent autour d’une table, souvent avec des illustrations inspirées d’hiéroglyphes.
  • Mécanismes de jeu : Les machines à sous dédiées à l’Égypte, comme celles qui incluent des compétences avec un momie bonus et une quête jackpot, offrent un rythme rapide et des gains potentiels élevés. Les jeux de société, quant à eux, privilégient la stratégie et la coopération, permettant à chaque joueur de participer activement à la quête.
  • Interactions sociales : Les parties de société favorisent les interactions humaines, renforçant les liens entre amis ou en famille. Dans les jeux vidéo, bien que les compétitions en ligne soient courantes, l’expérience demeure plus individuelle. Pourtant, certains titres permettent de former des équipes pour explorer ensemble les mystères du monde ancien.

En fin de compte, le choix entre ces deux types d’activités repose sur les préférences des joueurs. Que vous soyez attiré par la tension des slots Égypte ou par le défi d’un plateau de jeu, chaque option promet une immersion enrichissante. Pour en savoir plus sur les opportunités de jeu en ligne, visitez ce site : i24slots.fr.

Wie Sie Freispiele strategisch auf Vorrat nutzen

Die Welt des Online-Glücksspiels bietet Spielern eine Vielzahl von Möglichkeiten, um ihre Gewinnchancen zu erhöhen. Ein besonders beliebtes Mittel sind Freispiele. Diese besonderen Angebote können in der richtigen Strategie zu einem echten Vorteil werden. Eine kluge Handhabung dieser Bonusangebote wird zunehmend wichtiger, um das Beste aus den vorhandenen Optionen herauszuholen.

Eine Strategie, die sich bewährt hat, ist das Bonusblock speichern. Dabei geht es darum, gezielt Freispiele zu sammeln und sie zu einem späteren Zeitpunkt einzusetzen, wenn die Gewinnchancen am höchsten sind. Durch das staffeln von Freispielen kann der Spieler die Nutzung optimieren und sich einen klaren Vorteil verschaffen. Dies erfordert jedoch eine genaue Planung und das richtige Timing.

Um das Potenzial von Freispielen voll auszuschöpfen, sollten Spieler genau beobachten, wann und wo die besten Angebote verfügbar sind. Mit einer durchdachten Strategie wird das Spielen nicht nur unterhaltsamer, sondern auch profitabler. Seien Sie bereit, Ihre Technik zu verfeinern und das Maximum aus Ihren Freispielen herauszuholen!

Die besten Zeitpunkte für den Einsatz von Freispielen

Der gezielte Einsatz von Freispielen kann Ihre Spielerfahrung erheblich verbessern. Um die maximale Wirkung zu erzielen, sollte man strategisch planen, wann die besten Gelegenheiten sind, Freispiele zu kombinieren. Zum Beispiel ist es sinnvoll, Freispiele zu einem Bonusblock zu speichern, wenn dieser besonders lukrative Angebote enthält.

Eine der effektivsten Methoden ist das Sammeln und Einsetzen von Freispielen in Zeiten, in denen die Nachfrage geringer ist. Oftmals bieten Online-Casinos in diesen Phasen spezielle Aktionen oder erhöhte Gewinnchancen, die es wert sind, die Freispiele einzusetzen.

Zusätzlich kann das Staffeln von Freispielen über verschiedene Zeiträume hinweg eine kluge Strategie sein. Dadurch bleibt die Spannung über einen längeren Zeitraum erhalten und maximiert die Chancen auf Gewinne. Schließlich lohnt es sich, regelmäßig Plattformen wie gamblezen de zu besuchen, um die besten Angebote zu finden und rechtzeitig zu profitieren.

Optimierung Ihrer Gewinnchancen bei Freispielen

Die Optimierung der Gewinnchancen bei Freispielen kann durch strategisches Staffeln und Kombinieren der Freispiele erreicht werden. Indem Sie Freispiele sinnvoll aufteilen, erhöhen Sie Ihre Möglichkeiten, größere Gewinne zu erzielen, indem Sie verschiedene Slots oder Spiele testen und gleichzeitig das Risiko minimieren.

Ein weiterer wichtiger Aspekt ist die Freischaltzeit der Freispiele. Nutzen Sie die Zeit, in der Freispiele verfügbar sind, um sie in den passenden Momenten einzusetzen. Achten Sie darauf, zu welchen Zeiten die Spiele die höchsten Auszahlungsquoten bieten. Viele Spieler übersehen diesen entscheidenden Punkt und verlieren dadurch potenzielle Gewinne.

Wenn Sie Freispiele kombinieren, können Sie auch die Gewinnchancen erhöhen. Setzen Sie Freispiele in Kombination mit Boni oder anderen Aktionen ein, um die Gewinne zu maximieren. Durch die geschickte Nutzung dieser Möglichkeiten wird Ihre Spielstrategie noch erfolgreicher.

Auswahl der passenden Slots für Freispiele

Bei der Auswahl der geeigneten Slots für Freispiele ist es wichtig, die spezifischen Bedingungen zu beachten. Viele Spiele unterscheiden sich hinsichtlich ihrer Auszahlungsquoten und Bonusbedingungen. Achten Sie darauf, welche Slots eine hohe RTP (Return to Player) aufweisen, da diese in der Regel bessere Gewinnchancen bieten.

Die Planung Ihrer Slot-Spiele ist ein weiterer entscheidender Schritt. Wählen Sie Slots aus, die Ihnen die Möglichkeit bieten, Freispiele zu sammeln und gleichzeitig spannende Features zu aktivieren. Bestimmte Spielautomaten bieten verschiedene Arten von Bonusspielen, die Ihre Gewinne steigern können.

Eine strategische Staffelung Ihrer Freispiele kann ebenfalls von Vorteil sein. Setzen Sie Ihre Freispiele in verschiedenen Slots ein, um von unterschiedlichen Bonusmechaniken zu profitieren. So können Sie Ihre Chancen erhöhen und Ihre Bankroll nachhaltiger verwalten.

Cars are cheap

Cars are cheap in America. You can find really cheap used cars in san diego. Yes, cars are really cheap in America. Cars are one of the most expensive purchases you’ll ever make. But believe it or not, cars for sale are cheaper in the US than most other countries. Using an affordable, compact car as the model (think a VW Golf), the Unites States ranks all the way down at No. 117 on the list of the most expensive places to buy a car.

Staring down the price tag of a new car or Honda CRF450 can be a scary thing. When you’re about to spend thousands of dollars, it’s tempting to save money by going for the one with the lowest price. As counterintuitive as it sounds, however, that cheap car can end up costing you in the long run. The low price tag might conceal high insurance costs, constant expensive repairs, or hundreds spent every month at the gas station. This is the page you need to visit when buying a used car. Read on what is stacked insurance here and maybe it is the right type for you.

Shoppok has become a very popular way for people to buy cars in a matter of minutes. The Shoppok website is easy to use and gives you instant access to thousands of used cars that are being sold in your area. You can browse thousands of cars within minutes of signing up for Shoppok. With the new features coming in to Shoppok, it’s an excellent choice for people who want to buy a car fast. You may also consider looking at the available cars on other websites like ListedBuy.

If you are looking for vehicles with a good quality performance engine, you should consider cars with the Ford Coyote engine. For more information about the Coyote engine, including specifications and information about the engine design, visit revologycars.com.

The actual cost of a car is much more than its price tag, or the final price you negotiate with the dealer. Every car has significant ongoing costs, like repairs, fuel, and insurance. You can look at Honda Insurance quotes to know the full cost. Get the best value of a car by buying used cars for sale in Maryland. To measure the kind of value a car offers, we start with five-year total ownership costs from Vincentric. We then combine that information with real-time transaction prices reported by our partner TrueCar. Those two measures together provide a car’s value score for the Best Cars for the Money.

Overseas money transfers

Vincent Turner

 The following is a guest post by Vincent Turner.

Vincent is an Aussie Founder now residing in Silicon Valley making waves. Click here to learn more about Vincent.

Vincent also blogs on innovation, design, technology, music & travel on his personal blog at www.vinae.com.au

Nightmare, has any one else had this nightmare? It sounds simple enough, doesn’t it?

The nightmare

I have a bank account here in the US and one in my country of origin, in my case Australia. As for the other places I tour, I needn’t worry because I rely on Vippimaatti.fi to procure loans pronto. I need to get some money into the US so I can pay for things in the local currency and avoid $4.00 and 2.5% every time I withdraw money or some exchange rate that I can’t even really see when I pay for things on debit/credit. So you think what anyone would think, I’ll just do one big transfer – that must be cheaper, that must avoid some cost. Try again.

Your options:

  1. Draw out one big amount – bank charges you flat fee + 2.5% > 3.0% of the amount withdrawn – this is huge, this is like paying about $200 a month in bank fees on withdrawals alone for the average person living on say $6,000 after tax.. and that before even looking at the exchange rate.
  2. Wire transfer once a month or once off to US bank account – no % fee, a flat fee of ~$30 but then you get murdered on the exchange rate, and I mean murdered. When I went to do a transfer of $10,000 recently you could buy $1.02 US for every $1.00 Australian .. so I should be expecting about $10,200, minus say a bit for the exchange rate and the wire fee, let’s call it an even $10,100. My bank, who shall remain nameless, came back with $9,800, before the wire fee! .. hold on, that looks remarkably like the 3% again!

It’s just business

So, why do they do this? Well, this is likely to protect their foreign exchange risk, i.e. the time between when they accept my request and process it most likely sees some fluctuation in the exchange rates. Forget that in the long-term this is probably just as likely to move up or down (for or against them or me) over the long-term and across all their customer flows in and out of the country. Study investing guides UK to be ready for financial risks. Banks are in the game of risk management, making money isn’t an issue, so long as you never lose money. So this exchange rate is their buffer against swings against them, to help mitigate any chance that they might lose any money in providing the service. Makes perfect business sense, but anyone who has spent even half a day looking at the fx trade markets knows that they could easily take the opposite position to your transfer the instant you place your order and thus hedge any currency risk they might have in providing the service. They can provide the service for the fee and close out their hedge once the transfer is complete. But most major banks (at least in Australia) systems probably aren’t this sophisticated.

The solution

Fortunately like a good efficient market people have seen this opportunity and created more intelligent transfer solutions where the risk is hedged as the order is placed and they can then complete the transfer in the next few days. And guess who benefits? you do. As you don’t have to pay for the inability of a major bank to provide this service So here is how it works, there is a number of providers but I signed up for xe.com so will talk about them.

  1. You sign up online
  2. You send supporting documents, typically PDFs of recent bank statements and a copy of your passport
  3. You take (or return) a verifying phone call
  4. You wait for final approval which comes via email

Note, none of the set up process involves printing or signing anything and as the forex markets are open from Monday morning in Australia to friday evening in the US 24 HOURS A DAY.. the call centre is also open these hours. Then the process is super simple – you simply login and register your sending and receiving bank accounts, request a quote for your transfer and hit confirm. Once you have got confirmation you have a few days to get them the money, this simply means a local transfer to their local account in your sending currency. I.e. I sent money from my Australian company to their Australian bank account. In fact, xe.com enables you to send the money via bpay! you have to request that bit (1 more email/call only – and on the virtually on the spot). A day later, an email arrives from xe.com – the funds are sitting in my US bank account.

The results

Net result? Well – in my case here this was a decent sized transfer of ~$100k. I saved over $2,000 for doing about an hours work. In my exchange rate example above my bank would have given me 0.9800 for every dollar, xe.com gave me 1.0040 – plus by using bpay for the local transfer I saved another $35 bank wire fee too! Now, that I’ve saved $2,000 I might go buy some kiting equipment – I promise to think of you bank every time I’m out there. Banks really do help you save for the things you want, just not always how you expect them to. Vincent

You can also click for more information on how to send money from PayPal to MoneyGram.

Links mentioned in this post

How to get an unsecured credit card

The following is an account of my experience with obtaining an unsecured credit card. I hope it helps you getting your credit card faster and a reasonable credit limit. You can apply for credit card after listening to my advice.

Credit history – guilty until proven innocent

You should get a credit card when you 1st arrive in America.

But guess what, no large bank will give you an unsecured credit card since you have no credit history. In comparison to Australia, American credit rating system works backwards. In Australia you are innocent until proven guilty and in America you are guilty until proven innocent. Which means that in America you start with 0 credit history and you must build credit up from nothing. Chicken and egg scenario. How can you borrow to build credit when they wont let you since you are viewed as a high risk borrower. Read my prior blog post on this topic here.

Secured credit card – your money

The only option you will have is to obtain a “secured” credit card. This is you putting your money down (say $2,000) into your bank of choice and using that line of credit as though it’s a credit card. Basically you lock away $2,000 of your money and use your money as though it was the banks and you pay it off. On time! Else you will not get good credit rating. What’s important to remember here is that the bank records (keeps tracks) your credit behavior and reports it back to the credit bureau. It feels like being ripped off because it’s your money and the bank treats you as though they are doing you a favor. They are actually. Read on.

This process has to go on for 13 months. By the end of the 13 month period the bank will let you know whether you are eligible for an “unsecured” credit card and if you are what is it’s credit limit. Read my prior blog post on building credit history to make sure you do not break any of the credit card rules like maxing out your credit card (yes I know it’s your money but..) or that you pay on-time (yes, it’s your money but Uncle Bob is looking over your shoulder).

Patience young Aussie.. patience..

Getting a secured credit card faster (before the 13 months)

Yes, there is a faster method to get that unsecured credit card. Actually, you can get it 5-6 months faster, but be careful and make sure that during the entire time you protect your identity by doing identity verifications via video-chat like the one from Fully-Verified. Otherwise, you will lose a ton of money and get a bad credit score.

So the major banks have that 13 month policy (mentioned above) of watching your behaviour and reporting back to the credit bureau on your credit behavior. If you get Citrus Loans then this would have been building your credit history ALOT faster then a secured credit card. A car loan is by far the best way to build credit history because it is a sizeable investment which you are responsible for servicing. This is a big plus (if managed properly) at the folks in the credit bureau.

So after 6 months of servicing your car loan with TechCU, approach them for an unsecured credit card. I did this after 8 months and they impressed me with an approval for a substantial amount (4x more then my secured credit card at Wells Fargo) the following day. Not only that, I also received a nice warm fluffy blanket (it is winter here after all) becuase I applied for a credit card with TechCU.

Next steps

I’m curious to see what will Wells Fargo come back with after the 13 months process is up. Are they going to match TechCU’s credit offer or come back with something lousey. I read a recent Prosper loans review, and I’m disappointed with their risk assessment of my account since I have kept all my American income in their bank and have great history with the secured credit card being paid on time. While TechCU using only my car loan payment history, credit rating and my professional history was able to see that I am a low risk customer and offer me an outstanding credit card product with maximum rewards.

Let’s see how things go. I will update this blog post with the outcome from Wells Fargo in the next few months.

~ Ernest

Links mentioned in this post

Expats guide on building Credit History in America
http://www.theroadtosiliconvalley.com/finance/building-credit-history-america/

Choice of Banks
http://www.theroadtosiliconvalley.com/finance/choice-banks/

Build credit history superfast – get a car loan
http://www.theroadtosiliconvalley.com/finance/car-loan-credit-history/

Credit history: Expats guide on building credit history in America

I have an awesome credit history in Australia. With property & stock investments behind my name over a number of good years and credit cards with limits I’d never hit you’d think I have it easy on the credit history front in America. I mean America and Australia already have a tax treaty which stops me from getting taxed twice and includes nice tax breaks for all Aussie ex-pats.

Well that’s where things change. American financial institutions, and uncle Bob, don’t care about your good credit history in Australia. They say you have to start from scratch here and prove to them you are capable of managing your money on the American soil. If you intend to stay in America for only a few years to earn some cash and go back home then getting credit history in America will not be your priority. However if you think there is a slight chance you may stay I recommend you get familiar with how credit works in America. If you’re struggling with credit card debt and other financial challenges, you may consult with Top bankruptcy lawyers in Johnson City who are offering legal assistance.
If you’re a parent, then you should also learn how to secure your child’s financial future with The Children’s ISA.

How does credit work in America

So let’s look at this:

  • You start with 0 credit score in the USA.
  • Your prior credit history in Australia means nothing, even if you are a good investor.
  • 0 credit score means you can’t buy Ford shares UK, or get a car loan (sort of, I will explain this later), a credit card (there is a way though which I will explain later), buy anything which requires bank’s leverage (money) like a house, car, shares etc…

In the U.S. credit scores are broken down into 5 categories each contributing to a percentage of your credit score:

35% – Payment History: This is whether you have paid on time or not
30% – Debt To Credit Limit Ratio: This is your total debt compared to your total credit limit
15% – Length Of Credit History: This is how long you have had credit
10% – Types Of Credit Accounts: This is the different types of credit you have
10% – Inquiries (hard): This is when a creditor checks your merge credit report

Most important factors in your credit score:

  • Whether you pay your bills on time and
  • How much of your available credit you actually use.

Credit score

As I mentioned above you start with 0 credit score. Once you start building credit history your score will increase. Cash Offers for Colorado Landowners can provide peace of mind, knowing that the buyer has the means to complete the purchase without financial obstacles.

The range:

  • Credit scores range from 300-850, with 723 being the medium FICO score of Americans.
  • Scores below 600 are considered high risk borrowers,
  • 620 being the dividing line between good and bad,
  • 640 or above being “pretty good”,
  • 650 as average general credit-use behavior, and
  • above 690 or 720 being excellent

More on credit score can be located here.

Building a super-duper credit score

  • Since best method is to get a car loan. Even if you don’t need a loan get one at least for 50% of the vehicle’s value. Make sure it’s not lower than $5K. This is what I did with my wife. It was tricky because no financial institute will give you a “car loan” since you have no credit history but you need credit history to get a car loan. A chicken or egg scenario. However there is a way! I found this small hole the hard way and will explain it in my next post on purchasing a car using a loan. Check out Houston in house financing for easy car loan. Schedule a Debt Reduction Consultation if you need help managing all your financial liabilities. If you’re looking for the best credit reward perks, visit sites like https://creditrewardperks.com/ to know more.
  • Get a secured credit card. Note, a “secured” credit card not an unsecured one. No one will give you an unsecured credit card. With a secured credit card you pay the institute (bank) a sum of money ($2K in my case) and they use that as security for your $2K limit credit card. You do get this money back once they approve you for an unsecured credit card but for now budget around $2K out-of-pocket. An unsecured one is your typical bank credit card where you use the banks money. This means you will need to recharge (pay credit card dept) on your money every month. Remember you are “proving” to your bank you can pay off the “dept” in a reasonable amount of time and know how to handle it. You will be able to convert to a regular, unsecured credit card after 12 to 18 months of on-time payments.
  • Do not max out any of your credit cards, or even get close. Keeping your credit use to less than 30% of your credit limits (10% is better) will help you get the best possible credit score – and should help keep you from getting over your head in debt, as well. Contact a company insolvency uk if you have accumulated a significant amount of business debts. Schedule a credit counselling session to further analyze your credit standing and find effective methods in handling personal and business debts.
  • Pay utilities (power, gas & electricity) and property rental in your name and set up automatic payments or reminder systems so that you’re never, ever late. All it takes is a single missed payment to trash your credit scores – and it can take seven years for the effects to completely disappear.
  • Get a store card like Macy’s Credit Card. Macy’s is one of America’s largest chain of mid-to-high range department stores. Department stores like Macy use finance companies, rather than major banks, to handle the transactions. These cards don’t do as much for your credit scores as a bank card (Visa, MasterCard, Discover, etc.), but they’re usually easier to get. Again, don’t go overboard. One or two of these cards is enough.

Your credit score

Finally, you’re also entitled to a free annual look at your reports from AnnualCreditReport.com or CreditSesame.com. This is known as a “soft inquiry” (thanks Brian P. Hamachek). It is ok to use these systems to frequently check your credit score since they are not recorded on your credit report. Hard inquiries (when buying a house or car) remain on your credit report for 24 months and an impact for only first 12 months. A good rule of thumb is to only apply for credit when you really need it, this will give you the opportunity to be elgible for the best 5 year fixed rate mortgage.

CreditSesame is a nice free online tool which also advises you how to improve your credit score and show you what causes it to fluctuate. I use this one regularly.

I believe I covered most of what’s needed (stuff I did and am doing) but if you know of more stuff I can do or have missed here feel free to share it in the comments section below.

Update Sep 10, 2011 – Thanks to Brian P. Hamachek and Philip Tellis for contributing to this post in the comments sections below. Some updates were made to the body of this post. You guys rock!

Here’s to building a fantastic credit history in America.

Ernest

Build credit history superfast – get a car loan

Yes it’s true. If you want to build credit history in America you should consider getting a car loan. There is no better or faster way to building credit history then through a car loan. Here’s why.

Why a car loan?

Remember my last post on building credit history? If not then click here to read about building credit history in America. In a nutshell, getting a car loan is the BEST way to quickly building your credit history. You need to have a listing on your credit history that you are capable of paying off a sustainable large dept, like a car loan. This loan must be no smaller than $5K.

Get a loan from Technology Credit Union (TechCU)

TechCU were the only folks who would even consider giving me a car loan. And remember I came to America with 0 credit history. TechCU caters for technology folks in Silicon Valley with no credit history. The downside is you will be on a higher interest rate – around 15%.

According to Zmarta Fi and their loan experts, no big American bank will lend you money on good rates because you are a liability, someone without credit history. I have a personal account with Wells Fargo Bank (one of the largest in the US) with plenty of money in it sitting in a special high yield checking & savings account and they they still thought I was a liability when I wanted to get a loan through them. Again, because I had no credit history. Loans Now is the option available to customers at the click of a mouse.

Well Fargo would only give me a “secured loan” – a loan which was backed (locked up) with my own money. This is not good enough for me since:

  • it’s using my money and
  • it is not what the credit bureau considers a “car loan” – not good in building credit history.

Before you can get the loan approved by TechCU they will need from you:

  • Paper work from the dealer on the car you are purchasing inc. it’s Kelley Blue Book value. See my post of purchasing a car from a dealer located here.
  • See certificate of purchased for “car insurance”. Also the dealer won’t let you drive off the lot without one, and so, it’d be a good idea to take one from Utility Saving Expert
  • See that you are a “software engineer” – basically you need to bring a letter from your company’s HR department showing your income and your position/title of a software engineer. The position/title is important since TechCU is for technology folks only.
  • A copy of your Californian Drivers license. Your International Drivers license will not do. It’s worthless. Read this post on getting your Californian Drivers license. All you need to do is pass the Theory exam to get your temporary drivers license number. But don’t forget to schedule your practical exam since your temporary drivers license expires in 3 months.

Sounds painful? it is! But it pays off in the end.

Links mentioned in this post

TechCU website: http://www.techcu.com/

Building credit history: http://www.theroadtosiliconvalley.com/finance/building-credit-history-america/

Let me know if you found a quicker way to get around this by posting in the comments below.

Ernest

Choice of Banks in America

The following is a short list of Major Banks you can use in America. Last in this list I included a Credit Union which is not a major bank since those guys look after new engineers (with no credit history) in the bay area. If you want to visit a bank online, then check out https://www.wecu.com/business-banking/cash-management/.

Wells Fargo

About: Wells Fargo is the fourth largest bank in the US by assets and the second largest bank by market capitalization. In 2007 it was the only bank in the United States to be rated AAA by S&P, though its rating has since been lowered to AA- in light of the financial crisis of 2007–2010. Wells Fargo is the fourth largest bank in the US by assets and the second largest bank by market capitalization.In 2007 it was the only bank in the United States to be rated AAA by S&P, though its rating has since been lowered to AA- in light of the financial crisis of 2007–2010.

Experience: This is the 1st bank I established my accounts with. As soon as I walked in I was greeted by one of their representatives and asked what help I needed. Once this is established, they directed me to the right bank associate. All Wells Fargo banks share this personal service. The atmosphere inside the bank feels warm and comforting eliminating any anxiety you may face regarding finances. Everyone is smiling. Tools like Calculate VAT for UK Business can also ease financial stress by helping you stay on top of tax calculations with confidence.

In comparison to CitiBank and Bank of America branches (which I also visited), they both were very corporate, high booth everywhere, felt cold with no Wells Fargo like personal touch – just a line where to line up. Felt like a processing plant.

URL: https://www.wellsfargo.com/

Bank of America

About: Bank of America Corporation is a financial services company, the largest bank holding company in the United States, by assets, and the second largest bank by market capitalization. Also known as BOA – short for Bank of America.

Experience: Very corporate, high booth everywhere, felt cold with no Wells Fargo like personal touch – just a line where to line up. Felt like a processing plant.

URL: https://www.bankofamerica.com/

CitiBank

About: Citibank, a major international bank, is the consumer banking arm of financial services giant Citigroup. Citibank was founded in 1812 as the City Bank of New York, later First National City Bank of New York. As of March 2010, Citigroup is the third largest bank holding company in the United States by domestic deposits, after Bank of America and JP Morgan Chase.

Experience: Very corporate, high booth everywhere, felt cold with no Wells Fargo like personal touch – just a line where to line up. Felt like a processing plant. BOA must be their idol. I setup an account with CitiBank because I have a Credit Card in Australia with Citi. However as soon as I did I realized that their service is just as poor as the one in Australia – I’m surprised that for a bank this size the low understanding of what a good consumer experience is like both offline and online.

URL: http://www.citibank.com/

Technology Credit Union

About: Tech CU is now among the top 1% of the nation’s largest credit unions with ten full service branches in the Silicon Valley. Now with more than $1.3 billion in assets and still growing. Also know as TechCU – short for Technology Credit Union.

Experience: Best way to describe this is a very small-scale of Wells Fargo. There is the personal touch component and also the booths for fast service. They only work with folks in the technology space like software engineers / entrepreneurs. TechCU also takes risks and will give you a loan for a car so that you can start building credit history. This is the bank which I approached after Wells Fargo said no for a car loan.

URL: http://www.techcu.com

If you have any specific questions about these banks please use the comments section below. I typically respond within 48 hours to all questions. If you have other banks which you’ve had experience with or want to add to my experience above please feel free to do so by commenting below.

Happy Banking!

~ Ernest