Try asking your parents, spouse, or other family members who have good credit scores if they will open a joint account with you. If you find a family member who will help boost your credit score with a joint account, you are liable for your expenses! Slacking on payments can reduce your own score and theirs, too. A joint account gives both parties equal responsibility. Keep up your end of the bargain and ensure they do, too.

Like all electric vehicles the RAV4 EV will have a lithium battery. According to Toyota, it will be a lithium metal oxide battery with an output range around 30 kwh. Additionally the body of the RAV4 EV will be much different than the typical body of a standard RAV4. The front bumper, grille, headlamps, and fog lamps have all been redesigned. The new look gives the electric SUV an aerodynamic look. The RAV4 EV will also have a custom paint job as well as special logos that separate it from standard RAV4 SUVs.

Same goes for about 70% of the population who either refuse or never get around to having a WILL drawn up on plans for their STUFF (money, houses, cars, piano, boats, land, stock, etc). NOT a smart idea if you have anything of value to leave behind.

Not long ago, one of our church friends worked past 90 years old which was awesome. Another friend is 86 years young today, was in the hospital last week, still running his business everyday. Not a problem, UNLESS. Is there a problem with this picture? ONLY if there's NO PLAN in place to pass on the ownership and exit the business.

The Internet itself seems to be filled with sharks looking to take your money without offering anything of any kind of value. Those self-proclaimed Gurus tell us that we must "brand" ourselves in order to stand out, which just breeds more sharks that then claim "they" are the next best things. Gurus telling us to go out and claim to be Gurus..

Resist the temptation to eat something quick, sugary or high fat when you're busy. This does give a quick energy boost but it's short lived, and you'll soon feel tired and hungry again. So it's wiser to choose foods that release energy more slowly over a longer period. These include complex carbohydrates such as pasta, brown rice, oats, wholemeal bread, whole grain cereals.

If you are a member of a credit union, choose their secured credit card first. This type of card gives you a credit limit roughly equal to your deposit. Secured credit cards can be beneficial for you in many respects, and the biggest advantage is that they help in managing any debts that you may have.