Without a strong credit history, it can be difficult to take care of essential purchases. Buying a car, house, or taking out a business loan all require a good credit score before lenders will even give you the time of day. Chances are if you don’t have a good credit score and someone is trying to give you a loan, they are trying to scam you. There are exceptions to that rule, such as Car America, a used car dealership that specializes in helping people with bad credit finance their next car, but it’s a good idea to bolster your credit score before you apply for any sort of loan.

One of the toughest things about establishing credit is getting your first line of credit. Banks and financial institutions are very hesitant to sign people up for credit cards when they have no credit history to speak of. When you have no history of responsible repayment, you end up looking like a risk to lenders.

Luckily, there are ways to build your credit without a credit card. Often you can add bills that you are already paying to your credit to show that you pay on time etc. This kind of credit isn’t accepted by all institutions, but is probably enough to help you establish a first credit card or some other line of credit that can help establish your credit history.

You can also become an authorized user on someone else’s credit card. This works well for younger people who want to get a good head start on building their credit score. They can ask their parents to add them as an authorized user and then make small purchases and pay them back immediately to help establish a good rating. This method has a little bit of a safety net as well, where the owner of the card can pay off the any outstanding amounts, just make sure you pay them back if they do this for you! Since it is usually parents or spouses using this method it shouldn’t be too much trouble to make sure your debts are paid off. You’ll need to make sure that the institution associated with the card reports authorized user activity to the credit bureaus. Most do, but it’s worth checking to make sure your efforts aren’t wasted.

Here are some other options for building credit:

  • Find someone to co-sign on a credit card: Some institutions are willing to let you have a cosigner on your card. That means if you can’t pay the full amount at any point, the cosigner will be responsible and take care of it for you. Obviously, nobody wants to pay off your debt, so you’ll need to be extra careful with this kind of arrangement to make sure you don’t get into hot water with your cosigner.
  • Apply for a secured credit card: This kind of card involves putting a certain amount of money in the bank as collateral for your card. Generally, the amount in the bank is also your credit limit, allowing the bank to collect from that amount in the event you can’t pay off your card.
  • Apply for a credit-builder loan: Some institutions offer loans specifically designed to help you build credit. The way these work is basically like a forced savings plan, where your payments are reported to the credit bureaus to help build up your credit score to the point where you can get a credit card or other type of loan.

Building your credit is incredibly important when it comes to making major purchases like homes and cars. It mostly comes down to responsibility and making sure you pay your bills on time, but it can be hard to get banks to trust you if you have no credit history. If you take the time to build a strong foundation for your credit, it will make it much easier to apply for credit cards and loans. Make sure to cultivate good habits when building your credit, and you’ll have a strong credit score in no time.

When high-achievers such as top sales persons, CEO’s, and community leaders achieve great success, others stand back and ask why them? What makes those achievers so different? What sets them apart? Whether you are a small business such as Modern Dentistry, or a larger corporation such as Kohl’s or another large company, the basic ideals and principles behind the success stories are the same: it takes a lot of hard work, dedication, and determination.

It could be as the book Strategic Acceleration Succeed at the Speed of Life (Vanguard Press), by Tony Jeary suggests, clarity, focus and execution.


Success in Business and Life

Jeary introduces readers to the Strategic Acceleration approach that he has developed and used to coach some of the world’s top CEO’s. The approach includes gaining clarity to what a person or company wants to achieve and why they or it wants to achieve it.

Then, becoming focused on the goals and objectives garnered from gaining clarity. Lastly, execution depends heavily on effective communications and leadership.

The first sentence of the Introduction chapter makes a strong statement and memorable promise. Jeary wrote, “This book provides a simple, strategic thought process that will transform the way you think, live, and work.”

Strategic Acceleration Defined

Jeary owns and operates a Strategic Acceleration Studio which is “A custom-designed, high-tech facility that combines the latest media technology with a library containing a lifetime’s worth of systems, processes, and best practices.”

Strategic acceleration as developed by the author is based on “Doing things that will produce superior results faster.”

What, Why, and How for Success

The most enlightening portion of the book is the suggestion to not only determine what one wants to achieve but to also ask why one wants to achieve a particular set of goals. Asking what and why provides the foundation of clarity.

Strategic planning books and courses discuss determining a mission and a vision of what a company wants to do or how it wants to be thought of in the mind of the customers, but this author stresses that knowing why they want that mission or vision is just as critical to success.

Once those two factors – what and why – are determined the how involves staying focused on the outcomes and avoiding distractions including those nay-sayers that don’t believe it can be done. Then, use strategic communications to execute and get the desired results. The acceleration factor speeds up getting to the desired results.

The book includes worksheets to help work on clarity, focus, execution blueprints.

Small Business Opportunities in a Fast Paced World

Jeary wrote, “There has never been a time when opportunity and technology have come together so perfectly. The competitive playing field has been leveled to the extent that a small business or even an individual can compete and win at any level.”

The upside – there are plenty of small business opportunities out there these days even in the great recession. The downside – today’s world moves at the speed of light or at least the Internet. Companies need to know what they want and why and then get to market quickly in order to make the success formula work.

Dynamics of Success

While all three factors, clarity, focus, and execution are important, the author uses most of the book to discuss the benefits of having “clarity of vision” and how clarity will pull success to a person or company. He refers to the clarity factor as:

  • An awakening
  • An epiphany
  • An uncluttered understanding

As the reader will come to realize after completing the book, to take advantage of today’s business opportunities, determining clarity of purpose, staying focused on the goals, and then executing quickly can be the perfect competitive edge.

While connecting a generator to a home’s electrical system is a job for a licensed electrician, it’s good for any homeowner to have a basic idea of what is required, to understand the what and why.

Every home has an electrical panel – the hub through which electricity is distributed throughout your home. Normally, utility power enters through the electrical panel, which then distributes power to the individual circuits on your home. In turn, these circuits provide power to systems or areas in your home. While electrical panels are designed to receive energy from utility lines, most are not equipped to receive power from generators.

So, before a panel can safely receive power, a licensed electrician will have some work to do. Here’s what an electrician will need to install in order to connect your generator to your electrical panel:

Power inlet

The device serves as the generator’s connection to the home; it’s placed on the exterior of your home, usually close to the generator. The generator will connect to the inlet via extension cord; in turn, the generator power inlet will connect to the electrical panel via wiring on the inside of the home.

(While a generator power inlet may look like a typical household power outlet, it isn’t one. Do not consider connecting your generator to a standard outlet.)


A new generator breaker on the electrical panel will serve as its connection to the power inlet; this breaker will regulate the power traveling from (and to) the generator. Most panels have enough space to accommodate another breaker; if more spaces are needed, a piggyback breaker can be used. (Think of the piggyback as another version of an outlet expansion you might use when you need another outlet in your home.)

Interlocks/transfer switches

As mentioned above, homes are designed to receive and distribute energy from utility lines. Utility lines are not designed to receive power from homes, or from the generators attached to them; if power travels in reverse up a power line, it’s called backfeed. Backfeed can place equipment, property, and even life in jeopardy.

Interlocks and transfer switches prohibit power from traveling from a generator, through an electrical panel, and up a utility line; they also prohibit power from a utility line from traveling into a generator, which can also can damage.

Both interlocks and transfer switches ensure that electrical panel can’t connect to both the generator and utility line at the same time. In the event of an outage, a homeowner will switch the panel’s connection from the utility line to the generator; when power is restored, the connection can be switched back.

Hopefully now you understand both the means and the importance of properly connecting a generator to a home’s electrical system. While this task is straightforward for a professional, it shouldn’t be attempted by anyone other than a licensed electrician.

It’s raining today, but the temperature will reach the high 90’s later this week. And many Richmond drivers will discover that their car’s air conditioning isn’t working as well as they remembered. If you’re one of those drivers, the sooner you get your AC diagnosed, the better.

Consider this: A non-working air conditioner can result in a miserable, uncomfortable commute. There are few things quite as agonizing as being trapped in a scorching car in the heart of a traffic jam. Even worse, in extremely hot conditions, driving with a non-functioning AC could even become dangerous.

Figuring out why the air conditioning is not working will help you determine if the problem is something you can remedy yourself. If not, then you’ll need the expertise of a professional car repair service. In addition, if you know how to identify what is wrong with your car’s air conditioning, you’re more likely to get quality service when you take your vehicle to the car repair shop.

If the air conditioning in your car is not blowing cold air, a number of different things could be wrong with it.  Some of the most common problems are highlighted below – along with what can be done to fix them:

Leaking Freon

The chemical responsible for producing cool air is known as Freon. If there’s a leak in the AC system, the Freon will run low and ultimately run out. These days, the AC systems found in many cars are extremely sensitive; a particular amount of Freon, measured in pounds, is required to operate effectively.

There is a proper method of checking the system to make sure an accurate volume of Freon is in it.  A charging machine will provide the best results. This piece of equipment will get rid of all Freon from the system and then put in the right amount so it can operate properly.

Freon could be escaping via extremely slow leaks. If more Freon has been added and your cold air is gone within a few weeks, you should consider checking and replacing components of the system, such as the hoses.

Recharging Required

An air conditioner will not get cold enough if it needs recharging. In fact, this is probably the most common reason for the air conditioning in your car to malfunction. If you feel comfortable with car repairs and are adequately skilled, you can go ahead and recharge your refrigerant. However, if you’re not comfortable recharging it, you can take it to a reputable car repair service (such as your friends here at Aarrow). One of their ASE-certified and experienced mechanics will be able to address the issue and get cold air circulating again.

Air Compressor Not Engaging

A number of different conditions could keep the air compressor from engaging. When an electrical issue is present in the clutch or circuit of the compressor, for example, this could cause failure. Additionally, the air compressor could fail as a result of low levels of Freon or if the vehicle is overheating.

Today’s computer-controlled cars have sophisticated systems that can readily detect problems. The air conditioning system is among the first systems the computer turns off when an engine problem is detected. If this happens, the malfunctioning part will typically have to be replaced by an experienced and qualified car repair professional, such as Richmond’s Aarrow Transmissions.

Air Is Blowing, But Not Cold

This could be an indication that the fan in the air conditioner is no longer working. The refrigerant can only be cooled by the condenser if air is moving over it. When stopped in traffic or driving at low speeds, a fan can produce adequate air flow to keep the AC system working properly. However, it could eventually wear out and stop working.

The solution to this problem could be as easy as having a wire changed. In some cases, however, a completely new fan unit may be required. If you are unskilled in this area, this isn’t something that you should attempt to change yourself. This is especially true if the process requires taking apart the dashboard to access all of the necessary components.

Blend Air Door Is Stuck

The blend air door is a little hatch located inside the ventilation system of the vehicle. When your environmental system is switched from heat to cold, the blend air door should switch to drawing in the cold air. If no change happens, the door will continue to draw heat from the engine and circulate it around the vehicle. A qualified mechanic should be given the task of fixing this problem.

Other Possible Issues

The air conditioner in your car is part of a complicated system. There are easy fixes, like adding Freon and recharging the AC, which you can take of yourself. However, there are a number of other more complicated issues that should only be tackled by a certified and experienced mechanic.

In rare cases, the problem with the air conditioner could indicate that there are more severe issues with the vehicle. But repairing the AC is typically relatively easy, even if the expertise of a certified mechanic is required to do it. Want to know for sure? Bring your car into Aarrow for a cooling system inspection.

Virginia is a very romantic place because of its natural beauty. Apart from it’s history and natural beauty, there are many interesting things about Virginia that may surprise you.

1. The academic calendar of the state is determined by amusement parks

Since 1986 there has been a law which states that schools won’t open before the Labor Day. That way, they won’t have to choose between school and roller coasters. A reform of this law was passed in 2014, but it failed in the state Senate. It is the only state where school schedules are given depending on the amusement park interests.

2. An event takes place every year where 100 wild ponies swim

People watch about 100 wild ponies swim every year at an event that has been taking place for a century now. It is held from Assateague Island to Chincoteague Island in Eastern Virginia. The ponies are then auctioned off for raising money for the fire department there.

3. State elections could be bought with booze

In the early days, state elections could be bought with drinks. It is said that George Washington got his votes by getting the voters drunk. The results of the elections were determined by how much fee food and alcohol were given to the voters.

4. Northern Virginia is the internet

About 50% to 70% of all the Internet traffic flow through the data centers in Northern Virginia. You will find machines whirling around the clock. The data centers are situated int eh upper area of the state.

5. Virginians like vanity license plates

People of Virginia love vanity plates. Most of the license plates issued are personalized. Their cars look the best on the road with fancy license plates.

6. All new land the discovered by the British was called “Virginia”

After discovering the island of Roanoke, Queen Elizabeth I declared that the U.S. was free for Sir Water Raleigh to discover and colonize. This new British territory from north of Spanish territory in Florida and south of French territories in Canada was named Virginia. It was named after the ‘Virgin Queen’ Elizabeth I. Then the English gave different names to the colonies.

7. ‘Dirty Dancing’ was shot here

The classic movie of 1987 ‘Dirty Dancing’ was shot at the Mountain Lake Lodge in Pembroke, Virginia.Visitors go there to check out the iconic sites where the film was shot. The lodge has been renovated and provides ‘Dirty Dancing

Package’ to the fans. This package includes activities like group dance lessons, karaoke, etc.
These are very interesting revelations about Virginia and they make you feel like visiting the place more. Virginia is full of wonders and you must visit it.

Virginia has historical significance. Four of the first five presidents of the U.S. were born here. Mount Vernon and Monticello are homes of presidents. It claims the most Civil War battlefields. There are lots of natural wonders in this state. This place is full of tourist attractions. Here are the top ones.

Virginia Beach

It is a very popular holiday destination. During holiday seasons, it is a crowded place with hotels, amusements, restaurants, and more. There is a Water Park nearby where the children can enjoy. The Virginia Aquarium and Marine Science Museum are also nearby. There are walking and hiking trails.

Monticello and Charlottesville

These are beautiful country houses and one of the most visited presidential homes. Monticello is the home of Thomas Jefferson. It is a Palladian-style mansion that is designed by himself. Throughout the house, you will see glimpses of his talent.

Mount Vernon

It was George Washington’s home for 45 years. The architectural design and interior decoration are amazing. You will see vivid paint and wallpaper colors in the house. You get a nice view of the Potomac River from here.

Shenandoah National Park and Skyline Drive

This park protects some part of the Blue Ridge Mountains. Along the crests of these mountains is the Skyline Drive. There are stopping points where you can enjoy the views. There are hiking trails into the park. You will find beautiful flowering trees and shrubs is summer and spring.

These are the major attraction of Virginia. There are many others. But when you visit Virginia, you shouldn’t miss out the tourist spots just mentioned. This journey will be memorable for you.

There are lots of adventures in Virginia. All you need is the willingness to go. There are lovely trails for activities, waterways where you can flow and some wonderful views. Here are the top outdoor adventures you can enjoy in Virginia.

Devil’s Bathtub

It is known as the greatest swimming hole in the world. It is a naturally smooth swimming hole and has a rock slide. You need to scramble rocks and cross the water a long way to go to the 7.2-mile Devil’s Fork Loop Trail in Scott County.

Virginia Creeper Trail

You can take a downhill stroll on this 34.3-mile trail. It starts from the Whitetop and goes to the Abingdon. It follows an old railway bed. You can take horses or bicycles on the trail.

Horseback riding

You can ride on horsebacks across the Virginina countryside. You can get your own horse or get one from the ranch. You must go along the designated trails for safety reasons.


It is a very famous outdoor activity in Virginia. It is appropriate for people of all ages. You can feel the wind as you zip through the foliage. You will be going at about 40 miles per hour speed and experience the thrill of flying through trees and open ski slopes that can be as high as 85 feet from the ground. You can find zip line from the top to the bottom of the mountain.

These are some great adventures that you need to try if you are in Virginia. The place is beautiful and you should just let yourself free and enjoy the thrill.

Virginia state is a lovely place to visit. There are so many places to visit and so many things to eat. Here are five things you definitely must eat when you are in Virginia.

1. Chicken and waffles

This dish contains some buttered or syruped waffle and some chicken. You need to use a fork to pick up a bit of waffle and then a bit of chicken. Then dip it in the gravy that is topped with hot sauce and eat it. It’s a very delicious meal.

2. Fruit cobbler

This dish is for the fruit lovers. You get to eat crispy fruit along with cobbler. It’s something unique and you will love the taste. You must try it out!

3. Moonshine

It is a hard corn-based liquor. It is sweet and burning at the same time. You must drink it from a distinctive wine glass. You will find it everywhere in Virginia. It’s a very popular drink out there.

4. Cheddar its wafers

There is cheese inside the quesadilla. It is fried and topped with bits of chopped pecans. It’s a great dish to eat, but you may gain some pounds. Still, it’s worth having.

5. Fried green tomatoes

You should have fried green tomatoes with some buttermilk biscuit with spiced mayonnaise on top. You will love its unique taste. You will find it in many restaurants in Virginia.

Every place has its signature dishes. These are the specialties of Virginia. If you go to Virginia then you must try these awesome dishes. They are delicious!