Buddy Beds Dog Bed – A Comfortable Pet Gift

For those devoted and doting dog owners, Buddy Beds dog beds are a fantastic gift for any family dog! Remember, dogs need love too and now you can show your love to them by giving them somewhere warm and comfy to sleep at night.

Treat your dog to a gift this Christmas with the Buddy Beds dog bed, perfect for a comfy night. Purchasing this bed means your dog is guaranteed high quality construction; they have both memory foam and support foam unlike many of their lesser quality counterparts. The bed will certainly not have to be replaced as a result! The bed is exceptionally durable for any dog, has a waterproof liner and the foam will not collapse leading to many, many positive reviews. Just place it in front of your dog and watch their eyes close in satisfaction!

The beds are excellent for dogs of all ages and sizes. However, the bed may particularly suit those older dogs who may suffer a little discomfort due to their age. After a happy day in the park, fetching a stick or swimming in the river, any dog will love to come home to one! Just like us, a dog’s joints may ache or stiffen after exercise and bringing them home a comfortable bed will be just the thing they need!

These beds are much admired by both pets and their owners. They were voted “Best Pet Bed” by Pet Age Magazine. They have also received the Animal Wellness Seal of Approval which is a prestigious award. They are often recommended by Vets to help look after the health and welfare of many dogs. So, with all these positive recommendations, when you make your purchase you can be sure of their overall quality and that all important approval from your pet.

Buddy Beds will not look out-of-place in any room of the house either! There are 2 colors to choose from; one color choice is a red faux suede microfiber bed with black piping that can be flipped so that it’s a black bed with red piping. Don’t worry however, there are many other color schemes available to fit any room’s decor. Dogs love to spend time with their owners and by giving your dog a bed as comfortable and attractive as this, your dog will love you even more. The Buddy Beds dog bed; the perfect gift for any dog!

Work from Home – Pros and Cons

With the boom of online commerce came the proliferation of work from home opportunities. When the Internet market was established, it opened many doors for livelihood and employment that will not require you to get out of your house. Just have a computer and Internet connection and voila, earn a living right in your living room. Such good news for home buddies, full time moms and all those who would rather not leave the comforts of their own homes. Although it is clear that working from home is full of advantages, of course it also has some major drawbacks.

If you are thinking of switching from your current corporate status to a home-based career, here are the pros and cons of working from home that will help you weigh your decision carefully: Pros

1. Independence. If you are the type who is better off working alone, working from home will be very advantageous for you. You do not have to depend on other people, which means that other people’s inefficiency will not be a factor in your productivity. Also, there is no boss to constantly criticize your work and affect your performance. You are your own boss. In a gist, this type of work is for Superman, but not for Batman who cannot work without Robin.

2. No dress code. Pyjamas and slippers? It does not matter. When you are working from home, there is no more need to don a stiff corporate attire that makes it hard for you to breathe.

3. Flexible Hours. This is probably one of the best things about working from home. You are not restricted to particular hours each day. You decide when you work, when you do not work. You can take as many breaks as you want to and there is no need to rush off in the morning because there is no way you are going to be late. As long as you get the job done in time and in good quality, nobody cares what particular day or time you did it.

4. No salary deductions. Your salary is yours alone. Isn’t that great?

5. No commuting. Let’s face it, the time you spend commuting, you can spend it doing something more productive. When you work from home, you will save yourself from all the hassle, time, money and efforts you spend on travelling from your home to your workplace.

Cons

1. Nobody else to rely on. Although it sure is a great thing to be independent, you must also realize that all the work load is in your back and there’s no one to take over but you. This means that if you’re sick, there’s no officemate to cover for you and you don’t get paid or earn money for that day.

2. No security and employment benefits.

3. Never ending work. Before, after a hard day at work, coming home is like a breath of fresh air. But now since your work is at your home, you may feel a little suffocated because what used to be your relaxation sanctuary is now the place of stress. Of course, this can be resolved by going out to get that much needed breath of fresh air.

4. Lonely. Even though some of your officemates give you headaches, you would still surely miss the fun times with them especially when you’re working alone in the house and there’s no one to share with that funny story you heard last night. If you’re a people-person, it can be a little depressing.

5. Easier to get distracted. When there are kids at home or your brother won’t stop bugging you, it’s hard to concentrate.

Freedom and convenience are the key advantages in working from home while lack of security is one of the major things that will make you think twice about engaging in this type of career. Just be sure to weigh things carefully before making a big leap towards your decision.

Home Buddies Credit Coaching – Delete Credit Judgments For a Better Credit Score

Many people have inaccurate information on their credit reports which can cause a lot of long-term pain and frustration such as not qualifying for a home loan or paying far too much interest if they do qualify. However the time-frame can be dramatically reduced through companies with special relationships with the credit reporting agencies and who specialize in rapid credit re-scoring.

The rapid re-scoring company can only be accessed by mortgage lenders and brokers and not by the general public. This means that if you want to have your credit report rapidly re-scored you must ask your loan officer or mortgage broker to do it for you. Those re-scoring companies usually charge a fixed fee for each item they fix.

Some people suggest that if you are one of those people who has a credit score that is less than 680, then you may want to try for a rapid re-score if you plan to apply for a mortgage within a month. But its still better to try and fix the problems at least six months before you even apply for a mortgage loan.

There are things rapid re-scoring can accomplish for you and things it can’t:

1. You can’t communicate with a rapid credit re-scoring service:

This service is usually done by smaller credit reporting agencies. They are the liaisons between the bureaus and the banks and they don’t have the ability to work with consumers directly.

2. They cannot make a promise to help your score:

Home Buddies has written a couple articles on this topic. If you have a short credit history, removing any item, including bad ones, from your report can lower your score. Having some significant credit history is a big part of the mix.

3. They can’t perform magic and they cannot delete legitimate items:

They can only work on items (derogatory marks) that have not been reviewed by the credit bureaus. You must be able to prove that an error was made.

4. They can help with errors only if you have proof

This service is intended for people who have already repaired their credit. You must have it in writing from your creditor addressing the mistake. If they have acknowledged it but you don’t have the paperwork, some rapid credit re-scoring services can get it but the service is not as “rapid”.

A creditor may currently be reporting a high balance on your account (ie from a credit card). This high balance may be keeping you from being approved for a better mortgage rate. If you pay down the balance electronically right now, then you can have the rapid re-scorer renew your score in 72 hours. This will then essentially show that the creditor has a mistake (because you no longer have that high balance), and you can now show the correct current balance sooner instead of having to wait a long time to have it show up on your credit report.

Good luck.