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Improve Your Bad Credit History And Get Better Interest Rates, But How?

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Why Credit History Is Important?

You are in need of an urgent loan and the bank is reviewing your application. Well, that’s procedure and every lender will do the same thing. But what they are also going to evaluate is how your past history has been, regarding the payment of loans. Have you paid your bills on time, how long have you been using credit, how many credit cards have you obtained in a specific period of time and what is the current amount of your credit? These are some common questions that your lender might ask you when you apply for a loan.

The lender will then use your credit background and the credit scores to help determine whether you are eligible for a loan or not. So having a good credit background is critical if you plan on applying for a loan in the future. You would need to work on your habits to ensure that your credit background remains good but if there are some flaws in your credit background, there’s no need to worry. Although they cannot be completely erased; but with time, your good credit scores will cancel out the negative aspects.

But what should you do to ensure that your credit history remains untainted?

Review Your Credit Reports

The credit reports can be changed once they have been made so just go through the whole document and look for any errors. There are chances that some information might have been missed. Rectify any errors by notifying the authorities.

Get Rid of Bad Credit Habits

Some of these habits affect your credit more than others, but it’s better that you avoid them all. Indulging in these activities is going to do nothing but lower your credit scores. So Beware!

Delinquent Payments even only for a few days will reflect badly on your credit history.

Missed Payments will lower the FICO Scores and it’ll take some time increasing the scores, so it’s better to set up payment reminders to keep you from missing any payment.

Using credit cards will ultimately increase your debt and if you are not able to pay it off on time, the scores on your credit history will become quite low. So avoid using credit cards. Instead use cash or debit cards for purchases. Cancelling them will only decrease the amount of available credit, so it’s better to just keep them safe at home.

Changing your money habits might be tough work but you’ll need to distinguish between the things that you really need and the things that you just want. Adding expenses into an already crammed budget will only increase your debt. So keep your unnecessary expenses to the minimum so that it doesn’t reflect negatively on your credit history.

Building good money habits will surely change your bad credit history and put you out of the financial depression that you were sinking in. So improve your credit history and get better quotes for your loans. Best of luck!

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ABC of Student Loans

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Are you near to graduating high school and you are in need of money to continue your education at a university? Student loans can help you build the path to a successful career!

These are a type of consolidation loan and they were created to help students achieve their goals, get a diploma in the field they desire and manage to create a strong financial situation. Before you can become eligible for a student loan you have to fill out a form called FAFSA, which can be found at your school or you can also download it online.

The service offered by through the internet is quicker and easier. After you have sent this form with the necessary information and answers you will get a notification back which will tell you how much money you can borrow and under what conditions. Various types of student loans exist. You have to be well informed of the types and their terms. Every country has different ways, so you should go to your local school for additional information or log on to the internet and search for the necessary info which is available in your country.

When you apply for a loan be sure to read the contract very carefully and ask if something is not clear. Don’t borrow an amount of money which you won’t be able to pay back and choose a period of time best suitable for you and your income, or the income of your parents. You don’t want to end up with debts so be attentive and safe. Also if you notice some problems in the process of repayment, there are student consolidation loans available which can help you organize your payments. Also don’t forget of the possibility of receiving scholarships if you are a leading student.

Education is very important and the government wants to help you somehow, but you are the main person, you have to be smart and arrange your goals and opportunities in the proper way. So don’t be ashamed of using personal, direct or student loans to achieve your goals because in the end all is worth it. Your education forms your way of life! Polish it and use every help you can get!

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WoW Mining Leveling Guide – How to Level Mining 1-450 Like a Pro

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In WoW, Mining is a lucrative profession because it is used for 3 crafting professions. The drawback is that to make some decent gold off the profession you need to reach a high level. I am going to give you a quick Mining Leveling Guide and give you some of the fundamentals to level mining quickly.   

Here are the Basics of my mining leveling guide:

You can Level Mining with a couple of different ways. The traditional way is leveling the profession by smelting and also by going out and finding nodes.   Today I am going to elaborate on how to find nodes for leveling the traditional way.   Let’s talk about finding nodes. Now, finding nodes can be rather time consuming to run around looking them. But the positive thing is it has no major upfront costs.  

To start off, you must first learn the profession and you must purchase a mining pick axe. You can’t mine without one. Once you have done this you are ready to venture out into the game of WoW and begin leveling your new profession.   Now you must pick a zone which, sometimes, can be a little difficult.  However, the same general rule of finding veins of ore hold true for all zones: you can usually find it around the mountain lines or at the edges of the zone.  You also have to make sure you have track minerals on so you can find ore more easily along with looking near the ridges.   Below is a list of the level, the Ore that will level you, and the zones that are best for this range.  

Here is the WoW Mining Leveling Guide you have been looking for: 

  • Level 1-60; Ore: Copper Ore;  Zones: Azuremyst Isle, Mulgore, Dun Morogh, Durotar, Teldrassil and Elwinn Forest.
  • Level 66-125;  Ore: Copper, Silver and Tin Ore;  Zones: Thousand Needles, Redridge Mountain                             
  • Level 126-175;  Ore:  Iron, Gold and Tin Ore;  Zones:  Thousand Needles, Arathi Highland                         
  • Level 176-245;  Ore: Mithril and Truesilver Ore;  Zones: Tanaris,The Hinterlands           
  • Level 246-300;  Ore: Mithril Ore and Rich Thorium Small Thorium;  Zones: Silithus, Tanaris, Winterspring                                                      
  • Level 301-325;  Ore: Fel Iron Ore; Zones: Hellfire Peninsula    
  • Level 326-350;  Ore: Fel Iron Ore, Khorium Ore, Adamantite Ore, Rich Adamantite;  Zones: Nagrand                                                                                          
  • Level 351-400;  Ore: Rich Cobalt, Cobalt Ore; Zones: Borean Tundra                                  
  • Level 401-450;  Ore: Rich Saronite ,Saronite Ore; Zones: Scholarzar Basin   

                

Smelting is usually pretty costly, although the bars usually sell for around the price of ore.

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Reduce Cost of College With Lifetime Learning Credits

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Lifetime Learning Credit

For 2015, there are two tax credits available to help you offset the costs of higher education by reducing the amount of your income tax. They are the American Opportunity Credit and the Lifetime Learning Credit.

TAX BENEFIT – For the tax year, you may be able to claim a Lifetime Learning Credit of up to $2,000 for qualified education expenses paid for all eligible students. There is no limit on the number of years the Lifetime Learning Credit can be claimed for each student. A tax credit reduces the amount of income tax you may have to pay. Unlike a deduction, which reduces the amount of income subject to tax, a credit directly reduces the tax itself. The Lifetime Learning Credit is a nonrefundable credit, so if the credit is more than your tax the excess will not be refunded to you. Your allowable Lifetime Learning Credit is limited by the amount of your income and the amount of your tax.

ONLY ONE EDUCATION CREDIT ALLOWED – For each student, you can elect for any year only one of the credits. For example, if you elect to claim the Lifetime Learning Credit for a child on your 2015 tax return, you cannot, for that same child, also claim the American Opportunity Credit for 2015. If you are eligible to claim the Lifetime Learning Credit and you are also eligible to claim the American Opportunity Credit for the same student in the same year, you can choose to claim either credit, but not both. If you pay qualified education expenses for more than one student in the same year, you can choose to claim certain credits on a per-student, per-year basis. This means that, for example, you can claim the American Opportunity Credit for one student and the Lifetime Learning Credit for another student in the same year.

CLAIMING THE CREDIT – Generally, you can claim the Lifetime Learning Credit if all three of the following requirements are met.

  • You pay qualified education expenses of higher education.
  • You pay the education expenses for an eligible student (a student who is enrolled in one or more courses at an eligible educational institution).
  • The eligible student is either yourself, your spouse, or a dependent for whom you claim an exemption on your tax return.

Table 3-1. Overview of the Lifetime Learning Credit for 2015

Maximum credit

Up to $2,000 credit per return

Limit on modified adjusted gross income (MAGI)

$128,000 if married filing jointly;

$64,000 if single, head of household, or qualifying widow(er)

Refundable or nonrefundable

Nonrefundable-credit limited to the amount of tax you must pay on your taxable income

Number of years of postsecondary education

Available for all years of postsecondary education and for courses to acquire or improve job skills

Number of tax years credit available

Available for an unlimited number of tax years

Type of program required

Student does not need to be pursuing a program leading to a degree or other recognized education credential

Number of courses

Available for one or more courses

Felony drug conviction

Felony drug convictions do not make the student ineligible

Qualified expenses

Tuition and fees required for enrollment or attendance (including amounts required to be paid to the institution for course-related books, supplies, and equipment)

Payments for academic periods

Payments made in 2015 for academic periods beginning in 2015 or beginning in the first 3 months of 2015

CANNOT CLAIM THE CREDIT – You cannot claim the Lifetime Learning Credit for 2015 if any of the following apply.

  • Your filing status is married filing separately.
  • You are listed as a dependent on another person’s tax return.
  • Your modified adjusted gross income (MAGI) is $64,000 or more ($128,000 or more in the case of a joint return).
  • You (or your spouse) were a nonresident alien for any part of 2015 and the nonresident alien did not elect to be treated as a resident alien for tax purposes. More information on nonresident aliens can be found in Publication 519.
  • You claim the American Opportunity Credit or a Tuition and Fees Deduction for the same student in same year.

QUALIFYING EXPENSES – The Lifetime Learning Credit is based on qualified education expenses you pay for yourself, your spouse, or a dependent for whom you claim an exemption on your tax return. Generally, the credit is allowed for qualified education expenses paid in same year for an academic period beginning in the same year or in the first 3 months of the following year. For example, if you paid $1,500 in December 2015 for qualified tuition for the spring 2016 semester beginning in January 2016, you may be able to use that $1,500 in figuring your 2015 credit.

Academic period. An academic period includes a semester, trimester, quarter, or other period of study (such as a summer school session) as reasonably determined by an educational institution. In the case of an educational institution that uses credit hours or clock hours and does not have academic terms, each payment period can be treated as an academic period.

Paid with borrowed funds. You can claim a Lifetime Learning Credit for qualified education expenses paid with the proceeds of a loan. You use the expenses to figure the Lifetime Learning Credit for the year in which the expenses are paid, not the year in which the loan is repaid. Treat loan disbursements sent directly to the educational institution as paid on the date the institution credits the student’s account.

Student withdraws from class (es). You can claim a Lifetime Learning Credit for qualified education expenses not refunded when a student withdraws.

For purposes of the Lifetime Learning Credit, qualified education expenses are tuition and certain related expenses required for enrollment in a course at an eligible educational institution. The course must be either part of a postsecondary degree program or taken by the student to acquire or improve job skills.

Eligible educational institution. An eligible educational institution is any college, university, vocational school, or other postsecondary educational institution eligible to participate in a student aid program administered by the U.S. Department of Education. It includes virtually all accredited public, nonprofit, and proprietary (privately owned profit-making) postsecondary institutions. The educational institution should be able to tell you if it is an eligible educational institution. Certain educational institutions located outside the United States also participate in the U.S. Department of Education’s Federal Student Aid (FSA) programs (such as Oxford University).

Related expenses. Student activity fees and expenses for course-related books, supplies, and equipment are included in qualified education expenses only if the fees and expenses must be paid to the institution for enrollment or attendance.

NO DOUBLE-DIPPING – You cannot do any of the following.

  • Deduct higher education expenses on your income tax return (as, for example, a business expense) and also claim a Lifetime Learning Credit based on those same expenses.
  • Claim a Lifetime Learning Credit in the same year that you are claiming a tuition and fees deduction for the same student.
  • Claim a Lifetime Learning Credit and an American Opportunity Credit based on the same qualified education expenses.
  • Claim a Lifetime Learning Credit based on the same expenses used to figure the tax-free portion of a distribution from a Coverdell Education Savings Account (ESA) or Qualified Tuition Program (QTP).
  • Claim a credit based on qualified education expenses paid with tax-free educational assistance, such as a scholarship, grant, or assistance provided by an employer.

For each student, reduce the qualified education expenses paid by or on behalf of that student under the following rules. The result is the amount of adjusted qualified education expenses for each student.

Tax-free educational assistance. For tax-free educational assistance received in 2015, reduce the qualified educational expenses for each academic period by the amount of tax-free educational assistance allocable to that academic period. Some tax-free educational assistance received after 2015 may be treated as a refund of qualified education expenses paid in 2015. This tax-free educational assistance is any tax-free educational assistance received by you or anyone else after 2015 for qualified education expenses paid on behalf of a student in 2015 (or attributable to enrollment at an eligible educational institution during 2015).

Tax-free educational assistance includes:

  • The tax-free part of scholarships and fellowship grants
  • Pell grants (Scholarships, Fellowship Grants, Grants, and Tuition Reductions)
  • Employer-provided Educational Assistance
  • Veterans’ Educational Assistance
  • Any other nontaxable (tax-free) payments (other than gifts or inheritances) received as educational assistance.

Generally, any scholarship or fellowship grant is treated as tax free. However, a scholarship or fellowship grant is not treated as tax free to the extent the student includes it in gross income (if the student is required to file a tax return for the year the scholarship or fellowship grant is received) and either of the following is true.

  • The scholarship or fellowship grant (or any part of it) must be applied (by its terms) to expenses (such as room and board) other than qualified education expenses.
  • The scholarship or fellowship grant (or any part of it) may be applied (by its terms) to expenses (such as room and board) other than qualified education expenses.

You may be able to increase the combined value of an education credit and certain educational assistance if the student includes some or all of the educational assistance in income in the year it is received.

Refunds. A refund of qualified education expenses may reduce adjusted qualified education expenses for the tax year or require repayment (recapture) of a credit claimed in an earlier year. Some tax-free educational assistance received after 2015 may be treated as a refund.

Refunds received in 2015. For each student, figure the adjusted qualified education expenses for 2015 by adding all the qualified education expenses for 2015 and subtracting any refunds of those expenses received from the eligible educational institution during 2015.

Refunds received after 2015 but before your income tax return is filed. If anyone receives a refund after 2015 of qualified education expenses paid on behalf of a student in 2015 and the refund is paid before you file an income tax return for 2015, the amount of qualified education expenses for 2015 is reduced by the amount of the refund.

Refunds received after 2015 and after your income tax return is filed. If anyone receives a refund after 2015 of qualified education expenses paid on behalf of a student in 2015 and the refund is paid after you file an income tax return for 2015, you may need to repay some or all of the credit.

Credit recapture. If any tax-free educational assistance for the qualified education expenses paid in 2015 or any refund of your qualified education expenses paid in 2015 is received after you file your 2015 income tax return, you must recapture (repay) any excess credit. You do this by refiguring the amount of your adjusted qualified education expenses for 2015 by reducing the expenses by the amount of the refund or tax-free educational assistance. You then refigure your education credit(s) for 2015 and figure the amount by which your 2015 tax liability would have increased if you had claimed the refigured credit(s). Include that amount as an additional tax for the year the refund or tax-free assistance was received.

If you pay qualified education expenses in 2015 for an academic period that begins in the first 3 months of 2015 and you receive tax-free educational assistance, or a refund, as described above, you may choose to reduce your qualified education expenses for 2015 instead of reducing your expenses for 2015.

Amounts that do not reduce qualified education expenses. Do not reduce qualified education expenses by amounts paid with funds the student receives as:

  • Payment for services, such as wages,
  • A loan;
  • A gift;
  • An inheritance; or
  • A withdrawal from the student’s personal savings.

Do not reduce the qualified education expenses by any scholarship or fellowship grant reported as income on the student’s tax return in the following situations.

  • The use of the money is restricted, by the terms of the scholarship or fellowship grant, to costs of attendance (such as room and board) other than qualified education expenses, Scholarships, Fellowship Grants, Grants, and Tuition Reductions.
  • The use of the money is not restricted.

COORDINATION WITH PELL GRANTS AND OTHER SCHOLARSHIPS – You may be able to increase your Lifetime Learning Credit when the student (you, your spouse, or your dependent) includes certain scholarships or fellowship grants in the student’s gross income. Your credit may increase only if the amount of the student’s qualified education expenses minus the total amount of scholarships and fellowship grants is less than $10,000. If this situation applies, consider including some or all of the scholarship or fellowship grant in the student’s income in order to treat the included amount as paying nonqualified expenses instead of qualified education expenses. Nonqualified expenses are expenses such as room and board that are not qualified education expenses such as tuition and related fees.

Scholarships and fellowship grants that the student includes in income do not reduce the student’s qualified education expenses available to figure your Lifetime Learning Credit. Thus, including enough scholarship or fellowship grant in the student’s income to report up to $10,000 in qualified education expenses for your Lifetime Learning Credit may increase the credit by enough to increase your tax refund or reduce the amount of tax you owe even considering any increased tax liability from the additional income. However, the increase in tax liability as well as the loss of other tax credits may be greater than the additional Lifetime Learning Credit and may cause your tax refund to decrease or the amount of tax you owe to increase. Your specific circumstances will determine what amount, if any, of scholarship or fellowship grant to include in income to maximize your tax refund or minimize the amount of tax you owe. The scholarship or fellowship grant must be one that may (by its terms) be used for nonqualified expenses.

Finally, the amount of the scholarship or fellowship grant that is applied to nonqualified expenses cannot exceed the amount of the student’s actual nonqualified expenses that are paid in the tax year. This amount may differ from the student’s living expenses estimated by the student’s school in figuring the official cost of attendance under student aid rules. The fact that the educational institution applies the scholarship or fellowship grant to qualified education expenses, such as tuition and related fees, does not prevent the student from choosing to apply certain scholarships or fellowship grants to the student’s actual nonqualified expenses. By making this choice (that is, by including the part of the scholarship or fellowship grant applied to the student’s nonqualified expenses in income), the student may increase taxable income and may be required to file a tax return. But, this allows payments made in cash, by check, by credit or debit card, or with borrowed funds such as a student loan to be applied to qualified education expenses.

Something to consider is whether you will benefit from applying a scholarship or fellowship grant to nonqualified expenses will depend on the amount of the student’s qualified education expenses, the amount of the scholarship or fellowship grant, and whether the scholarship or fellowship grant may (by its terms) be used for nonqualified expenses. Any benefit will also depend on the student’s federal and state marginal tax rates as well as any federal and state tax credits the student claims. Before deciding, look at the total amount of your federal and state tax refunds or taxes owed and, if the student is your dependent, the student’s tax refunds or taxes owed. For example, if you are the student and you also claim the earned income credit, choosing to apply a scholarship or fellowship grant to nonqualified expenses by including the amount in your income may not benefit you if the decrease to your earned income credit as a result of including the scholarship or fellowship grant in income is more than the increase to your Lifetime Learning Credit as a result of including this amount in income.

NON-QUALIFYING EXPENSESQualified education expenses do not include amounts paid for:

  • Insurance;
  • Medical expenses (including student health fees);
  • Room and board;
  • Transportation; or
  • Similar personal, living, or family expenses.

This is true even if the amount must be paid to the institution as a condition of enrollment or attendance.

Sports, games, hobbies, and noncredit courses. Qualified education expenses generally do not include expenses that relate to any course of instruction or other education that involves sports, games or hobbies, or any noncredit course. However, if the course of instruction or other education is part of the student’s degree program or is taken by the student to acquire or improve job skills, these expenses can qualify.

Comprehensive or bundled fees. Some eligible educational institutions combine all of their fees for an academic period into one amount. If you do not receive or do not have access to an allocation showing how much you paid for qualified education expenses and how much you paid for personal expenses, such as those listed above, contact the institution. The institution is required to make this allocation and provide you with the amount you paid (or were billed) for qualified education expenses on Form 1098-T. To help you figure your Lifetime Learning Credit, the student should receive Form 1098-T. Generally, an eligible educational institution (such as a college or university) must send Form 1098-T (or acceptable substitute) to each enrolled student by January 31, 2015. An institution may choose to report either payments received (box 1), or amounts billed (box 2), for qualified education expenses. However, the amounts on Form 1098-T, boxes 1 and 2, might be different from what you paid. When figuring the credit, use only the amounts you paid or are deemed to have paid in 2015 for qualified education expenses.

In addition, Form 1098-T should give other information for that institution, such as adjustments made for prior years, the amount of scholarships or grants, reimbursements or refunds, and whether the student was enrolled at least half-time or was a graduate student. The eligible educational institution may ask for a completed Form W-9S, or similar statement to obtain the student’s name, address, and taxpayer identification number.

CLAIMING DEPENDENT’S EXPENSES – If there are qualified education expenses for your dependent during a tax year, either you or your dependent, but not both, can claim a Lifetime Learning Credit for your dependent’s expenses for that year. For you to claim a Lifetime Learning Credit for your dependent’s expenses, you must also claim an exemption for your dependent. You do this by listing your dependent’s name and other required information on Form 1040 (or Form 1040A), line 6c.

Expenses paid by dependent. If you claim an exemption on your tax return for an eligible student who is your dependent, treat any expenses paid (or deemed paid) by your dependent as if you had paid them. Include these expenses when figuring the amount of your Lifetime Learning Credit. Qualified education expenses paid directly to an eligible educational institution for your dependent under a court-approved divorce decree are treated as paid by your dependent.

Expenses paid by you. If you claim an exemption for a dependent who is an eligible student, only you can include any expenses you paid when figuring the amount of the Lifetime Learning Credit. If neither you nor anyone else claims an exemption for the dependent, only the dependent can include any expenses you paid when figuring the Lifetime Learning Credit.

Expenses paid by others. Someone other than you, your spouse, or your dependent (such as a relative or former spouse) may make a payment directly to an eligible educational institution to pay for an eligible student’s qualified education expenses. In this case, the student is treated as receiving the payment from the other person and, in turn, paying the institution. If you claim an exemption on your tax return for the student, you are considered to have paid the expenses.

Tuition reduction. When an eligible educational institution provides a reduction in tuition to an employee of the institution (or spouse or dependent child of an employee), the amount of the reduction may or may not be taxable. If it is taxable, the employee is treated as receiving a payment of that amount and, in turn, paying it to the educational institution on behalf of the student.

FIGURING THE CREDIT – The amount of the Lifetime Learning Credit is 20% of the first $10,000 of qualified education expenses you paid for all eligible students. The maximum amount of Lifetime Learning Credit you can claim for 2015 is $2,000 (20% × $10,000). However, that amount may be reduced based on your MAGI.

The amount of your Lifetime Learning Credit is phased out (gradually reduced) if your MAGI is between $54,000 and $64,000 ($108,000 and $128,000 if you file a joint return). You cannot claim a Lifetime Learning Credit if your MAGI is $64,000 or more ($128,000 or more if you file a joint return).

Modified adjusted gross income (MAGI). For most taxpayers, MAGI is adjusted gross income (AGI) as figured on their federal income tax return.

MAGI when using Form 1040A. If you file Form 1040A, your MAGI is the AGI on line 22 of that form.

MAGI when using Form 1040. If you file Form 1040, your MAGI is the AGI on line 38 of that form, modified by adding back any:

1. Foreign earned income exclusion,

2. Foreign housing exclusion,

3. Foreign housing deduction,

4. Exclusion of income by bona fide residents of American Samoa, and

5. Exclusion of income by bona fide residents of Puerto Rico.

Phase Out. If your MAGI is within the range of incomes where the credit must be reduced, you will figure your reduced credit using lines 10-18 of Form 8863.

You figure the tentative Lifetime Learning Credit (20% of the first $10,000 of qualified education expenses you paid for all eligible students). The result is a $1,320 (20% x $6,600 eligible expenses) tentative credit.

Because your MAGI is within the range of incomes where the credit must be reduced, you must multiply your tentative credit ($1,320) by a fraction. The numerator of the fraction is $128,000 (the upper limit for those filing a joint return) minus your MAGI. The denominator is $20,000, the range of incomes for the phase out ($108,000 to $128,000). The result is the amount of your phased out (reduced) Lifetime Learning Credit ($1,056).

$1,320 x ($128,000 – $112,000)/$20,000 = $1.056

Claiming the Credit You claim the Lifetime Learning Credit by completing Form 8863 and submitting it with your Form 1040 or 1040A. Enter the credit on Form 1040, line 50, or Form 1040A, line 33.

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WoW Mining – 6 Quick Steps to Level 450!

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Mining is the most popular profession in World of Warcraft. It’s a very reliable money-making skill as all around Azeroth you can find veins of ore to mine and sell the ores, stones, gems and minerals you dig up.

Not only do you dig up the raw ores with Mining, you can also smelt them into metal bars for Blacksmiths, Jewelcrafters and Engineers to use. If you learn Mining and one of these other professions you have a potent combination.

The top level is 450, it takes a while to get there, but it’s worth it for the extremely valuable stuff you can dig for when you get there. If like me, you’re an impatient type, here is an overview of one of the quickest ways to level 450 in 6 steps:

Step 1

All races start in different places, but we’ll just cover the mining-masters Dwarves for now (also Gnomes who begin in the same area). You must get trained apprentice Mining first in town, next mine for copper ore in Durota and Dun Morogh until you reach level 30. Turn the copper into bars using your smelting ability and save them.

Step 2

When you reach level 65 become a Journeyman in Mining. Now mine in the areas of Redridge Mountains and a Thousand Needles, you want to search for tin. When you have dug up lots of tin, smelt it down into bars and then mix it with copper bars to create bronze bars. After a bit of this you will reach 95.

Step 3

Mine and smelt silver ore until you reach 125. At level 125 train to Expert Mining, keep to the thousand needles and also the Arathi Highland. From level 155 you can start smelting gold bars from gold ore, it’s best here to buy gold ore and smelt it – until level 175. Sell the bars for more ore if you run out of money.

Step 4

At 225 train up to Mining Expert. Now you want to continue your Mining around Tanaris and the Hinterlands. By the time you get to level 230 you can smelt Trusilver Ore and use it to jump up tp 245.

Step 5

Next we want to start mining in Winterspring. Start mining Thorium veins here, get your trainer to train you how to smelt thorium bars. You can find the most Torium around the Eastern Plaguelands. Then mine Fel Ore around the Hellfire Peninsula until level 325. After that you can reach 350 easily by Mining around Nagrand for Adamandite Ore.

Step 6

You’ll reach the final mining levels in Northrend. Firstly, learn Mining Grand Master when you get there. Then mine Cobalt Ore in the Borean Tundra. And finally, mine saronite ore at Sholazar Basin to reach level 450.

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Top 5 American Express Credit Cards in Singapore

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American Express is one of the biggest issuers of credit cards in the world. The company offers cards that are customized to meet the needs of all kinds of customers but mostly they cater to the needs of individuals with high net worth. At present, more than 100 million people around the world use cards that are issued by this multinational financial company. American Express has a very strong presence in most Asian countries including Singapore. It offers a range of credit cards that are very popular with residents of this island nation.

The top 5 American Express credit cards offered in Singapore are as follows:

1. True Cash Back Card – This card has been designed to help people with saving more money when they use the card for their daily expenses. A percentage of the amount spent with the card with be credited back to the cardholders’ account as cash back and so they can save money in the process. The cardholders will need to pay a little more than S$170 as annual fee for the card and they can also opt for supplementary cards for their loved ones to share with them the benefits offered with this card.

2. American Express Platinum Card – As its name suggest, this credit card comes with features that are designed for people with premier lifestyles and it can offer them with golfing, dining and travel benefits. Because of its worldwide acceptability, this card can be used at merchant outlets around the globe. The annual fee for the card charged is relatively high and so it may not be ideal for those who are looking for a card with low annual fee or other charges.

3. American Express Rewards Card – This is the ideal American Express credit card for those who want to earn reward points every time they use their card for any transaction. The reward points can be redeemed without any difficulty and on the website of American Express Singapore. The cardholders are offered with higher reward points when they use the card at some of the selected merchant outlets in Singapore. Only people aged 21 or above can apply for this card, which comes with a low annual fee of around S$50.

4. American Express Platinum Reserve Card – It is the ideal card for those who want to earn higher reward points for all of their purchases. It can the cardholders can earn up to 50,000 points in the initial 6 months of receiving the card by spending a specified amount of money. It is also very good for those who frequently dine out as it will offer them with discounts and other privileges at some of the top restaurants in the country. It does come with a high annual fee of more than S$500.

5. American Express Singapore Airlines KrisFlyer Gold Card – This American Express credit card has been designed for those who travel by Singapore Airlines on a regular basis as they can enjoy discounts of air tickets and a range of other travel benefits. With every dollar spent with the card, the cardholders earn air miles and the accumulated air miles can then be redeemed for hotel bookings, flight reservations and other travel benefits. Only people with high credit score can apply for this card.

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Five Trending Cryptocurrencies in the Market Today

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Five Trending Cryptocurrencies in the Market Today
  • Simply HODL Bonus Cake to receive Cake rewards HOURLY.
  • LOUD Market is the NFT Music Market.

Cryptocurrencies, constantly evolving, and the next big digital token might be launched tomorrow. While Bitcoin is generally regarded as the first cryptocurrency, analysts use various methods to evaluate other tokens. Moreover, due to the high volatility of most cryptocurrencies, investing in them requires caution. Let’s look at the five trending crypto coins today.

Cardano (ADA)

In contrast to the proof-of-work method used by Bitcoin, Cardano (ADA) is one of the largest blockchains to utilize a proof-of-stake consensus mechanism. Furthermore, the layered blockchain team claims that the technology has proven useful in developing decentralized applications and smart contracts.

According to CoinMarketCap, Cardano price today is $2.39 USD with a 24-hour trading volume of $6,159,197,075 USD.

Bonus Cake (BonusCake)

BonusCake is the biggest CAKE reflection token on Binance Smart Chain. Moreover, it is the only CAKE reward token with auto-claim. Moreover, CAKE rewards go straight to the wallet. Simply HODL Bonus Cake to receive Cake rewards HOURLY.

According to CoinMarketCap, the Bonus Cake price today is $0.000021 USD with a 24-hour trading volume of $3,960,488 USD.

Loud Market (LOUD)

LOUD Market is the NFT Music Market. Moreover, the token designed to assist the NFT Market. To enable musicians and artists to sell their work immediately as NFTs at reasonable rates with no hidden costs! Their platform allows artists to showcase their work while earning immediate cryptocurrency payouts.

According to CoinMarketCap, the Loud Market price today is $0.127452 USD with a 24-hour trading volume of $5,886,503 USD.

ForeverFOMO (FOREVERFOMO)

To match the price of Bitcoin, ForeverFOMO’s supply adjusts. Rebasing transforms price-elastic tokens into synthetic commodities with changing prices and supplies that eventually settle. Finally, rebases are intended to be traded and possibly lucrative.

According to CoinMarketCap, ForeverFOMO price today is $0.000028 USD with a 24-hour trading volume of $3,513,793 USD.

Pampther (PAMPTHER)

Pampther is a Binance Smart Chain deflationary BEP-20 token. 1% is burned per transaction, 1% is redistributed to holders, and 0.10% goes to Binance Charity. The Pampther team merged crypto memes with NFTs (Non-Fungible Tokens). The outcome of combining these two growing marketplaces is a game.

According to CoinMarketCap, Pampther price today is $0.000631 USD with a 24-hour trading volume of $595,741 USD.

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Solana (SOL) Upswing Towards $200 Soon as Bulls Get Ready

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Solana (SOL) upswing towards $200 Soon as Bulls Get Ready
  • The 14-day RSI rises over the midline, indicating further upward potential.
  • The People’s Bank of China (PBOC) has banned all crypto transactions.

Solana is a protocol for creating decentralized apps (Dapps). It attempts to enhance scalability by combining proof-of-history (PoH) with proof-of-stake (PoS) consensus.

Unique Hybrid Consensus Approach

Solana’s unique hybrid consensus approach attracts both retail and institutional traders. Moreover, the Solana Foundation is working hard to provide access to decentralized finance (DeFi) on a large scale. Saturday, Solana reverses Friday’s brief dip to around $127.50.

SOL bears regained control the day prior, mirroring the general market gloom after China’s blow. The People’s Bank of China (PBOC) has banned all crypto transactions, calling them illegal financial activity. Its price has reclaimed the $140 level, gaining approximately 1% on the day, but is still on pace to lose money for the second week in a row.

Solana SOL Upswing Towards 200 Soon as Bulls Get Ready
SOL/USDT: Source: TradingView

After two unsuccessful tries earlier this week, SOL bulls are targeting the falling trend line resistance at $148. If SOL bulls maintain a daily closing position above the latter, it will indicate an upward breakout from a falling wedge pattern. The SOL price has been moving bullishly since hitting an all-time high of $221.38 on September 9. In the stated period, the price formed lower highs and lows, forming a falling wedge.

The 14-day RSI rises over the midline, indicating further upward potential. So, a wedge breakthrough would allow a rise towards $200. Its horizontal 21-day Moving Average (DMA) at $159.40 may challenge bearish commitments first.

The SOL price may retreat towards the upward-sloping 50-DMA at $110.50 if the wedge barrier is difficult to overcome. Under $100.60, a new downswing may occur towards the moderately positive 100-DMA at $71.54. According to CoinMarketCap, the price of SOL is $137.59 and has a 24-hour trading volume of $2,246,125,994.

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Top Crypto Price Updates- Bitcoin Drops Below $42,900; Ether Near $2,900

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Top Crypto Price Updates- Bitcoin Drops Below $42,900; Ether Near $2,900
  • Binance coin $357.98, down 4.7% in 24 hours.
  • Dogecoin, Polkadot, and Solana were all in the red.

Bitcoin prices fell 3.95 percent to $42,732.98 on Saturday. As per CoinMarketCap estimates, the biggest cryptocurrency’s market cap stood at $801.92 billion.

On Saturday, cryptocurrencies plummeted on the heels of China’s new crackdown. The country’s central bank stated digital currencies “cannot be used as money” and barred businesses from operating cryptocurrency exchanges.

According to Bloomberg, the Peoples Bank of China said,

“All crypto-related transactions, including services provided by offshore exchanges to domestic residents, are illicit financial activities.”

China Is One of the World’s Biggest Cryptocurrency Marketplaces

The threat of a payment failure by China’s housing giant Evergrande caused a cryptocurrency crash last week. The Evergrande issue and the US Fed meeting where a possible decision on reducing asset purchases was anticipated led to a significant decline in the cryptocurrency market last week.

Ethereum was worth $343.18 billion, with a price of $2,918.16 per token on Saturday. Cardano rose 2.46 percent to $2.36, whereas the currency fell 0.83 percent in the previous week as per CoinMarketCap.

In the past, on April 13, bitcoin reached $63,729.5. The value of Ether, the second most valuable cryptocurrency behind bitcoin, had risen to $2,317. Recently, the cryptocurrency soared to an all-time high due to favorable news developments globally. However, current developments in China surrounding cryptocurrencies are causing a market decline.

In May, the Chinese State Council pledged to clamp down on bitcoin mining and trade, causing a massive sell-off of cryptocurrencies. Furthermore, China is one of the world’s biggest cryptocurrency marketplaces, and its swings frequently affect worldwide prices.

Binance coin $357.98, down 4.7% in 24 hours. However, Binance currency has lost 13.19% in the past week, bringing its market value to $59.76 billion. Dogecoin, Polkadot, and Solana were all in the red.

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Axie Infinity’s Transaction Volume Crosses $2 Billion

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Axie Infinity's Transaction Volume Crosses $2 Billion
  • Axie has 1.8 million active players.
  • Signing an Axie scholarship agreement is a significant commitment.

What is the largest NFT project? Not NBA Top Shot or CryptoPunks in terms of the trading volume. No, it’s Axie Infinity, a monster-battling Ethereum-based game that surged in popularity last summer.

Game Only for the People Who Can Afford

According to DappRadar, the transaction volume for Sky Mavis’ game topped $2 billion last week. In a game with over 1.8 million daily active users, players are splashing ETH on cartoon monsters, land plots, and other goods. Tokens like Axie’s native AXS also have risen in value, approaching $4 billion.

But it’s not a cheap game. Unlockable digital items such as interacting creatures and customizable landscapes may be purchased with NFTs. Axie Infinity requires three monstrous NFTs, each costing between $150-200 ETH. Although a large initial expenditure, it hasn’t slowed recent project development. That’s the goal of Axie Infinity, a video game created by Sky Mavis in Singapore.

The Axie Infinity community has grown steadily since late 2017 but exploded this summer with the introduction of Ronin, an Ethereum sidechain. It reduces transaction costs and avoids Ethereum network congestion, allowing participants to quickly purchase, trade, and breed Axie NFTs.

In May, Axie announced a $7.5 million Series A financing round. It’s a modest sum compared to other crypto industry rounds, but it drew in heavyweights like Mark Cuban, owner of the Dallas Mavericks, and Reddit co-founder Alexis Ohanian. The latter has been vocal about the game and its crypto-based play-to-earn concept.

The company now has a $4 billion pool of AXS tokens set aside to drive future development. The extended play-to-earn effort will involve staking AXS for incentives and token-based governance, according to Zirlin. While Axie has 1.8 million active players, the hefty initial fee prevents Axie from reaching potentially millions more. Buying three Axie NFTs is costly, and signing an Axie scholarship agreement is a significant commitment.

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Celer Network (CELR) Is the Top Gainer of the Day

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Celer Network (CELR) Is the Top Gainer of the Day
  • CELR is a well-constructed layer-2 scaling solution.
  • The platform utilizes Delegated Proof of Stake (DPoS) consensus (DPoS).

In the cryptocurrency market, Celer Network’s token – CELR – has grown approximately 1110.1 percent since its launch, trading about $0.08107 as of September 12. Despite the general crypto sell-off, the currency has managed to remain positive thus far in 2021.

Although blockchain is an intriguing technology, transaction and throughput rates are likely to be poor. CELR is a well-constructed layer-2 scaling solution handling off-chain transactions. Off-chain payments and smart contracts are made simple, fast, and safe using the Celer platform. One of the first Substrate projects was the Polkadot ecosystem.

The Celer Network architecture (cStack) has four parts:

  • cOS: The network’s workflow core.
  • cRoute: A method for increasing network capacity by simplifying routes.
  • cChannel: Network transaction channels.
  • cApps: A scalable and user privacy application layer.

Layer-2 Scalability For Any Blockchain

The platform utilizes Delegated Proof of Stake (DPoS) consensus (DPoS). This method allows users to stake their currencies for a reward while delegating transaction validation to “delegates.”

Holders of CELR coins will be rewarded for providing liquidity. Furthermore, Celer’s main feature is layer-2 scalability for any blockchain. Thus, the project improves the product’s dependability, coverage, and adaptability while increasing its liquidity potential.

Celer Network, established in 2018 by a talented group of engineers. Celer’s four co-founders all have PhDs in computer science from prestigious institutions, including MIT and UC Berkeley.

According to CoinMarketCap, the price of the Celer network has recently gone up by 31.98% in the last 24 hours. The Celer Network price is $0.164142 USD, and the 24-hour trading volume of $1,135,169,584 USD.

For the long run, the Celer network price forecast is even more bullish, with the platform expecting the CELR token to reach $0.243 in five years, a possible 170 percent increase.

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