I made my greatest contribution to the sport of golf more than 30 years ago, when I moved from Montana to the East Coast. Stop playing.

The truth is that he was a terrible golfer, and he was not willing to put in the time and effort to improve much. When he played on the fields of the Rocky Mountains of Montana, he paid more attention to the landscape than to the game. I approached the task of hitting a golf ball in the same way that I approached hitting in the minor leagues. My idea was to hit the thing as hard as I could without worrying too much about where I was going after hitting it and then running like hell, which was necessary if I was going to track the ball and get off the field before the next dawn. . (It never occurred to me to rent a golf cart.)

The only reason I started playing golf was because, in college, I dated a girl who was a very good golfer. He grew up in a small town on the Great Plains. The golf course was so primitive that the greens had no grass; They consisted of sand, to which oil was applied to suppress dust. After finishing putting, he was expected to use a sand smoothing tool for the next golfer. My girlfriend had still finished second in her state high school tournament, even though she had few opportunities to practice on real grass fields.

Other golfers used to stop and watch, admiring my girlfriend’s swing. At least that’s what they said they were admiring. I didn’t care. She could play better than almost all the men we came across, and regardless of whether it was her swing or something else that first caught her eye, viewers soon recognized her ability.

I thought the novelty and chauvinism towards young golfers disappeared a long time ago, sometime between my college girlfriend and Michelle Wie. So I was surprised to read that high school athletic officials in Idaho are considering excluding Sierra Harr from the boys’ golf team at Castleford High School.

Harr, a young man, helped the team win a state championship last season. She finished seventh overall in the men’s tournament, having won the women’s state title a year earlier. Not enough girls attended golf to allow Castleford to field a team last season, so Harr’s only options were to play solo or join the boys’ team.

Federal law has required schools to provide equal athletic opportunities for boys and girls for the past 40 years. While this does not require schools to offer both genders a team for each sport, schools have a responsibility to find ways to accommodate students who want to play a sport that is not offered for their gender. Typically this means allowing girls to play with boys when it is impractical to line up a girls team.

In Broward County, Florida, 17-year-old Erin DiMeglio has taken some snapshots as a quarterback this season for South Plantation High School, a formidable team that includes, and faces off, players who are destined for college squads from Division I. While apparently the first female quarterback to play for a Florida high school, The Associated Press has estimated that more than 500 girls have been on the field in other positions.

DiMeglio, who is a college basketball prospect, is only the team’s third quarterback and is likely to see limited action. This is understandably a relief to her parents, who have good reason to be concerned that their daughter will be fired by rival players much older than her. But DiMeglio has the support and acceptance of her teammates and the enthusiastic endorsement of the team’s fans, who were yelling at her coach to put her in the season opener against rival Nova. (He did, for two continuous plays.)

If other players accept girls on men’s teams and fans accept them, why do some Idaho sports officials seem to have a problem with that?

I suppose it could be an anachronistic sexism, the kind that still cannot allow a woman to be able to or should be able to compete athletically with men. The kind that could still watch a woman’s performance and see the woman instead of the performance. Maybe that’s the answer, but I doubt it.

I suspect that the objections stem from a wrong definition of what is “fair.” By this logic, it is not fair for a girl to compete on a boys ‘team in sports while we would not accept the presence of a boy on a girls’ team.

But what the players and the public understand, even if the coaches and school officials do not understand, is that the girl does not have an unfair advantage when playing with the boys, while the reverse is not necessarily true. Nature endowed children, in general, with greater size and greater strength. Most girls have to compensate for these handicaps with skill, coordination, practice, and determination. There is nothing unfair about Erin DiMeglio playing soccer with her male teammates, or Sierra Harr playing golf with hers.

Perhaps someday a strange situation will arise in a place like Idaho, where a school has enough girls interested in golf to form a team, but not enough boys. If that happens and a boy wants to play for the women’s team, the correct answer might be to say yes. Otherwise, there are alternatives, such as deploying combined squads of children from various schools.

Harr reports that she, like DiMeglio, has been accepted by her male companions. “The guys on my team treated me like an equal,” he wrote to Idaho school officials, “and if any of my competitors disapproved of me playing golf with the boys, they were kind enough to keep their opinions to themselves. And they treated me with respect. The only negative reactions I received were from some opposing coaches. ” (1)

I am reaching a point in life where I am considering playing golf again, this time with my wife. It would be nice to spend time with her outside, enjoying the scenery while we chase that little white ball. I go out to Idaho from time to time. Someday I might even meet Sierra Harr on a golf course.

She seems like a very nice young woman, so I’m sure she will be patient with me until I allow her to continue playing. She knows as well as anyone that a lot of guys just can’t keep up with the girls on the field.

Fountain:

1) Yahoo! News, “Idaho Golfer Struggles to Play with Kids”

Communication happens all the time, even when you don’t speak. Did you know that only 7% of communication is transmitted through words? What happened to the other 93%? 38% comes from our tonality, voice, tempo and timbre of our voice and 56% communicate through body language. So even if you’re saying, ‘I didn’t say a word!’ He could have said so much more with his actions.

Clear, open and continuous communication is essential in any relationship. It is essential for any relationship. Let’s take a look at the possible reasons why you might break if you don’t communicate:

1. Resentment: Without clear communication, resentment towards your partner will start to build up. You can feel that by the way they interact with each other. Are you short fused? Do you lose your patience often?

If the resentment continues to fester, it will turn to anger and sooner or later make the relationship unbearable.

2. Lack of confidence: Lack of open and honest conversation undermines trust. Keeping important secrets to yourself will affect your connection, whether you consciously realize it or not. Research has shown that many couples can tell if their partner has cheated even if they have not confessed.

The less trust you have in your partner, the more insecure and unhappy you will become in your relationship.

3. Reduced privacy: Not sharing openly and communicating about your inner self will reduce your intimate connection. In the long run, this will affect your intimacy and your sex life with your partner. It is very likely that one or the other member will seek intimacy elsewhere.

4. Disconnection: All of these points lead to a growing disconnect. Another form of disconnection is when partners are building stone walls. Stonewallers stop talking during a conflict and give their partner the “silent treatment.” 85% of cheaters are men, but this does not exclude women! Building stone walls is the last step in sliding into marital disaster and consolidates disconnection from your partner if done over time.

If you want to save your relationship, think about your communication and start talking. It does not mean that you will always speak softly, kindly, and calmly, but it is better to speak while arguing than not to speak at all.

If you knew more about what raising a puppy or dog entails and the benefits it brings, would that be something you would consider? The primary goal of parenting is to temporarily house and prepare a puppy or dog for adoption. Like everything in life, there are pros and cons.

Decisions must be made before committing to raising an animal. Are you willing to make and keep the promise of time, energy, patience, and love? What do you prefer, a puppy or an older dog? Do you know the responsibilities associated with that decision? Do you know that some animals in foster care can have behavioral problems?

What race, mix, age, size, or gender would you be most comfortable with? Are you willing to bring an older dog? Would you consider a puppy or a dog with a disability or health problem?

How does your family feel about parenting? If you have a pet, how would you react if another animal moved into your territory? Remember, everyone should feel comfortable with this decision.

For how long are you willing to commit? Some adoptees prefer short-term commitments. Others, for as long as necessary. Would you be able to give up the animal, especially knowing that it would go to a loving home? Would you be willing to adopt your adoptive if his destiny is not a forever home?

There will be changes in your routine; most likely for the better. You will do more exercise!

You may have to provide the food. There are bailouts that occasionally help with food expenses.

The most common complaint heard is how attached an adoptive has become to their animal. This is usually done with less experienced foster children. Those who have done it before have an easier time “letting go”. They are happy that their upbringing has found a loving family, a forever home. There is also another side to the attachment complaint. It is not unusual for the foster parent to decide to stay with his ward. They are all winners!

Most shelter dogs are medium or larger in size and / or mixed breeds. If you prefer a specific breed, check with rescues for that breed. They are overloaded and are also looking for foster homes.

Some of the animals in rescues and shelters have health problems, disabilities, or behavior problems. Would this be a problem for you? There are servants who prefer to take over the tender and loving care of an elderly or terminally ill animal. They want to offer them the best quality of life, in the little time they have left. They, without a doubt, are extraordinary people. Congratulations to them!

The animal you breed may require basic obedience or housebreaking training. Are you willing to invest the time necessary to make them more adoptable?

You will most likely have to pass a background check and a home inspection. It is gratifying to know that you have met shelter or rescue standards and are eligible to provide a temporary home.

Most shelters / rescues will take care of necessary medication and veterinary expenses. Surprisingly, there is parenting that absorbs those expenses as part of its responsibilities. They deserve congratulations too!

By welcoming, you will be a less destroyed animal, creating a vacancy for the shelter / rescue to offer another puppy or dog a roof over their head and food on their belly, until they find their forever home.

Bottom line. You will earn the unconditional love and appreciation of the animal to whom you have opened your heart and home, however long it may be. You will have the gratifying feeling of saving at least one puppy or dog, of being destroyed simply because there are so many out there who need our help.

Is Phoenix, Arizona still a viable market for investors looking to wholesale homes?

Phoenix was one of the first major real estate markets in the US to really rebound. This meant that it attracted a large amount of investment dollars and investors from around the world. After becoming incredibly competitive, many began looking for other markets. Now many investors are wondering if this is a good time to return to Phoenix, if deals can be found, and if so, for how long?

Some wholesalers looking to return to Phoenix to sell homes have found that the market has changed a bit. Some report having difficulty finding viable opportunities to wholesale MLS properties. However, many experts and analysts predict that the best days to make money in the Phoenix real estate market are yet to come.

Home prices may have risen significantly in this region in recent years, but analysts estimate they will rise another 50-150% over the next 10 years.

A recent report from the California newspaper UT San Diego places Phoenix, AZ in the top 10 of the most appreciating American real estate markets as of August 2013, which means it is still alive and offers fantastic conditions for the sale of homes at the retail level. higher.

Perhaps most significantly, however, Phoenix is ​​classified by the CCIM Institute as a rising “secondary market” for global commercial real estate investors with greater pockets. This indicates more business and job growth on the way, which is exactly what is needed to drive real growth in the region.

At the same time, major hedge funds and giant private equity firms have announced that they are pulling out of chasing REOs as rentals and are instead offering their cash for smaller investors to borrow as equity capital. job. In addition to an increase in transactional lenders, this provides wholesalers with more than enough leverage to make a significant volume.

It is true that the price ranges may have changed, but this means little for wholesalers using cash, short-term financing or sticking to contract allocation.

The ability to find viable offers depends on the strategies that are implemented. There may not be as many foreclosures or REOs, and wholesaling MLS properties requires additional knowledge of how to make it work.

So if you’ve been considering changing houses in Phoenix, Arizona, go for it. Just be smart with your wholesaling marketing, be flexible in your prospecting tactics, and you’ll find a significant flow of business available.

Shooting games are widely regarded as the most engaging experiences of any kind of game out there. Due to this fact, shooting games have quickly become one of the most popular game genres out there. This leads to the production of many more shooting games. With all those options, how do you know which games are good and which are a waste of time? That’s where this article comes in. Hopefully, by the end of this article, you will have a pretty good idea of ​​which shooter games are worth buying for Xbox 360.

Top 10 Xbox 360 Shooter Games You Should Buy

10 – Tom Clancy’s Rainbow Six Vegas 2

Rainbow Six Vegas 2 is a great tactical shooter that puts you in the shoes of a SWAT team based in Las Vegas. In the game, Las Vegas is under siege by a terrorist group and you, as an anti-terrorist group, must fight to rid the city of these terrorists. This game has a great campaign, but it lacks a bit in the online multiplayer category.

9 – Dead space

Dead Space is a gorgeous sci-fi suspense shooter based on, you guessed it, the vast void of space. This sci-fi horror movie hybrid features a tense and engaging campaign, but sadly doesn’t have online multiplayer.

8 – Mass effect

A shooting game based on outer space. This game has an incredibly unique campaign that has plot twists in every way. It also includes some great graphics and even better voice acting. If you’re looking for a sci-fi game that’s a Halo change, this is definitely the way to go.

7 – Fallout 3

Fallout 3 is a great sequel to the already great series based on a future in which the world has been annihilated by nuclear weapons. Although the graphic work in this game is questionable, the overall experience is excellent.

6 – Call of Duty: World At War

Treyarch picked up right where Activision left off. World at War puts you in the shoes of a soldier serving the army on various sides during World War II. This game features both a great single player mode and amazing online multiplayer mode. If you are a fan of WWII games, this is a must for you.

5 – Left 4 Dead

Since the day of its release, Left 4 Dead has exploded in popularity. You are part of a group of four people stranded and abandoned to fight against many different varieties of zombies. The best zombie game there is PERIOD.

4 – Bioshock

Bioshock is wildly popular with critics and gamers. This game places you in an underwater theater where you fight entertaining battles throughout the story mode. Although Bioshock does not have an online multiplayer mode, Bioshock is another one of the games that you must buy for Xbox 360.

3 – Halo 3

Everyone has heard of the Halo series, so it probably comes as no surprise to anyone on this list. Halo 3 includes a great campaign with many intense battles with alien races. This was a great conclusion to an already great story that the Halo series owns. Another plus, besides the impressive graphic design, is one of the two best online multiplayer modes of any game.

2 – Gears of War 2

Although incredibly violent, Gears of War 2 is one of the best games out there right now. They put you in the shoes of Marcus Fenix, a commander of the COG army, who has a mission to save the entire world from the Locust, a group of mutants who have emerged from the underground to annihilate all humans and conquer the world. for yours. Gears 2 sports the best graphics of any game today without a doubt. The online side of this game is great too, making for a great and comprehensive gaming experience.

1 – Call of Duty 4: Modern Warfare

Call of Duty 4 is simply the best experience of any shooting game available at this time. Call of Duty 4 is based on the modern era and uses modern weapons and modern combat scenarios. Campaign mode puts you in the shoes of both the US USMC and the British SAS in their quest to rid the world of terrorists. The online multiplayer experience that comes with this game is simply unrivaled.

Alex Cora, Aaron Boone and Dave Martinez enter the 2018 season at an exclusive club, joining only a handful of other rookie managers to take over a team that had made the playoffs the previous year. Major League Baseball’s long history has seen only ten of those bosses, and not even one of them led his team to the World Series in that opening period.

Worse, more than half of those rookie managers failed to carry their inherited playoff teams into the postseason, including fourth-place finishes suffered by Jimy Williams with the 1986 Toronto Blue Jays and Bryan Price with the 2014 Cincinnati Reds.

Among the four who managed to lead their squad to a playoff return are two who failed to make it past the divisional series, Ken Macha with the 2003 Oakland Athletics and Brad Ausmus with the 2014 Detroit Tigers. In his freshman year As captain, Mike Matheny led the 2012 St. Louis Cardinals to the National League Champions Series, as did Dave Roberts two years later with the Los Angeles Dodgers.

It’s possible that MLB could see the first rookie manager to lead a playoff team to a pennant in 2018, considering some of the first that have occurred in the past two seasons. Last year, of course, the Houston Astros won their first World Series title, and in 2016 the Chicago Cubs won their first in more than a hundred years.

Of the three rookie managers who inherit playoff teams, two compete in the American League and the other on the Senior Circuit. All three are getting teams that are big favorites to win the pennant, and it is even possible that two of them can do just that.

If New York takes the title, Aaron Boone would become the first rookie manager to win a pennant after inheriting a playoff team. The Yankees are undoubtedly among the preseason favorites as they acquired 2017 NL MVP Giancarlo Stanton from the Miami Marlins and re-signed veteran left-handed starter CC Sabathia.

However, standing in his way is his longtime rival from Boston, the defending division champs are now led by rookie captain Alex Cora. The Red Sox themselves had a busy winter, adding much-needed offensive power by signing free agent slugger JD Martinez.

It is quite possible that if the Yankees or Red Sox manage to capture the pennant, they will face another rookie manager in the World Series. The Nationals, who boasted the best record in all of baseball last season before falling back into the playoffs, are now being led by Dave Martinez.

His path to the NL pennant will be made easier thanks to a sensational starting team, which includes Cy Young contenders Max Scherzer, Stephen Strasburg and Gio Gonzalez. Washington also strengthened the offense around former MVP Bryce Harper and third baseman Anthony Rondon, acquiring powerful left-handed hitter Matt Adams to share first base duties with veteran Ryan Zimmerman while spending time in the outfield.

Although New York and Boston have made bigger improvements to help their new dugout leaders, Washington still seems to have the best chance of winning a pennant. The Yankees and Red Sox not only have to fight each other, but they also have to beat the defending World Series champion, the Houston Astros.

The Nationals, on the other hand, should be able to move quickly through a division where almost every other team is in rebuilding mode. The postseason has been pretty cruel to Washington in recent years, but their increased competition has done little to bolster their 2017 pennant defense. The Los Angeles Dodgers actually lost valued starter Yu Darvish over the winter, and just last week. Last year they suffered an injury that put their top slugger Justin Turner on the disabled list to start the season.

Portland Oregon, also known by other names like “Rose Garden” and “Little Beirut” is a large city that occupies an important place in Multnomah County and has a population of more than 500,000 people. The city’s location near such notable landmarks as Seattle Washington and Vancouver makes it an attraction for students, businessmen, and people looking to settle. This makes apartments in the area a hot topic and applications are submitted daily. To comply with housing laws, Portland Apartments conduct routine credit and rent checks on prospective tenants. This basically means that if your credit score is low or you have a broken lease with a previous apartment, you may be denied an apartment in Portland, Oregon.

Just because there is a standard practice of checking rental and credit history on apartments in the Portland area, it does not mean that there will be no apartments that will not work for troubled applicants. While they may be few, they do exist nonetheless. Many applicants with bad credit or a broken lease report a level of frustration when searching, but if you fall into this category, here are some areas of the city in which you can look for a second-chance apartment:

• Northwest, including Pearl District
• South west
• Nord Est
• Southeast and more …

The reason it’s hard to find second-chance apartments in Portland is because they don’t fall into the routine practice of advertising. One reason they do this is because they want to maintain their quality rating and also be able to keep their rates high. They also want to maintain a reputation for renting only to the most financially stable tenants. This generally means that a casual apartment search that approves applicants with credit problems can yield disappointing results.

So one method that can be used to locate these types of apartments in Portland, Oregon, is to learn to network. This means sharing with other people who have been through similar situations. This is because they may have helpful ideas on where to locate a leasing office manager who is sympathetic or forgiving, or departments that are willing to overlook credit deficiencies. Another option is to use the power of the Internet to search and locate potential apartments and then call them ahead. You can also contact apartment locators and see if they can offer useful information on which apartments would be willing to work with you.

It is also essential to note that even when you find such an apartment, there will be basic requirements to meet. One is that you must have a job and have had it for at least 6 months. Another is that your job must pay you at least 3 times the amount of the rent, and thirdly, you may have to go through a background check.

Hair loss affects more than 35 million men in the United States. Let’s face it … We are all obsessed with our hair.

Whether it’s ‘long, straight, curly, fuzzy, tangled, hairy, ragged, matte, oily, greasy, fuzzy, shiny, shiny, dripping … or spaghetti’, we all want it.

Hair loss can damage our self-esteem, confidence, and relationships.

The search for hair is an eternal search, encompassing gender, age, and social status.

Once you have it, here are some ways to style it.

Men’s changing hairstyles over the years

In the 1950s, Elvis burst onto the scene as a music and style icon, and movie idols like Tony Curtis set the tone for clothing, fashion, hair, and good looks.

Both Elvis Presley and Tony Curtis had black hair slicked back into a ‘duck tail’, or DA (for duck ass). The hair on the sides of the head was combed and oiled back with Brylcreem, meeting at the back in a look that resembles the ass of a duck and giving rise to the rebellious teenagers known as ‘greasers’.

John Travolta was the quintessential greaser as Danny Zuko in what else? – the Broadway show and the movie Grease.

Also popular in the 1950s was the masculine pompadour: hair combed at the front and named after Madame de Pompadour, the mistress of Louis XV. Ricky Nelson, a teenage heartthrob from the 1950s, had one.

More recently, Silvio Dante on The Sopranos had a pompadour and, to a lesser extent, so did Conan O’Brien, former host of Late Night with Conan O’Brien.

When the Beatles came to America in 1965, Beatlemania was unleashed bringing new trends and styles, including Beatle boots and Beatle cuts, or ear-length hair with bangs. It was all the rage and became a sign of social discontent.

In the 1960s, black men (and women) turned black and declared that “black is beautiful.”

Afros gave way to dreadlocks in the 1970s popularized by Bob Marley and to Jheri curls. Think of Samuel L. Jackson in Quentin Tarantino’s 1994 film, Pulp Fiction.

The ubiquitous fluff was everywhere in the ’70s. Popularized by rockers like Rod Stewart, the style was’ unisex’, worn by both men and women.

The best known woman with a fuck was Farah Fawcett. Who can forget his iconic poster with the red one-piece swimsuit?

Punk rock brought mohawks and spiked jewelry.

Nikki Sixx and Bon Jovi epitomized the great hair of the 1980s.

Fast forward to the 1990s. Men’s hair is shorter. Head shaving, as a way to deal with male pattern baldness, is in vogue, popularized by sports figures Michael Jordan and Andrà © Agassi, as well as actor Bruce Willis on Die Hard.

Currently, Emo is in fashion, worn by both Justin Bieber and Adam Lambert, the runner-up on American Idol. The style is layered, spiked, and brushed towards the face, sometimes with hits of bright colors, such as pink or green.

Whichever style you choose, there are a few that you should avoid.

Think of Duane “Dog” Chapman – and his messy mullet – and the ubiquitous comb, used to disguise hair loss, worn by celebrities like Donald Trump, John McCain and even Homer Simpson.

The less said about these styles, the better.

Your hair should enhance your appearance, style it wisely.

Allowing

In the past week I have had two deep healings that have really affected my heart’s ability to let in the Divine Grace of healing. Love is another word for the Divine.

We all have mental constructs about where that Divine healing energy comes from, and all too often we see the Divine as an old man sitting on a cloud, judging us normally. Or we see the Divine only within ourselves, so nothing from the outside will affect us.

So it is very difficult to open up and give up and allow what our mind believes to be God, if we have these insecure perceptions.

Colour

The first cure came with the use of color.

And if the Divine were a color, what color would it be?

For me this week it was Pink. Soft baby pink. I could allow my whole being to open up and let that pink in. It may sound simple, but opening up and surrendering is a big part of healing, that process is the magic of transformation.

You may find that you can create the same effect by looking at your pet, your child, or something that allows you to feel unconditional love. Softening and opening the heart is the first step.

Fear of giving up

For many people who have been hurt or abused, opening up and surrendering and allowing something to come in is very scary, but if you can change that image of what you are letting in to something that is so comforting and safe, then you’ve given the first He passed.

It can be a journey to get to this point, not an event.

Sufism

The second experience I had this week of letting in the healing power of love was when I took a Sufi course with Dr. Ibrahim Jaffe. He did an exercise with us and I realized that for me, especially, where I placed the Divine, where I saw the Divine, how I saw the Divine, were all factors in how I opened up.

Before I had seen the Divine coming through the top of my head through the crown chakra and down into my heart, and if I wanted to give up, it felt like I was doing some kind of mental gymnastics inside of me. It also kept the energy in my head, in those higher chakras.

Spatial awareness

What he got us to do was put whatever our problem was, in front of us, on a carpet, to see it there, to set our intention for God to heal it for us, and then imagine this wonderful glorious light shining. on this topic, or see Angels surrounding this topic. There was more to it than that, but that was the essence.

Usually I feel things first, but this time I saw the light, not so much from my third eye but from my heart. Perhaps before now I was not ready to release control and put my problem outside of me, but I think that because I could allow the energy of color to enter, I saw and felt the powerful healing presence wash over my problem and shine through to the end. . where I was witnessing it.

Witnessing

Many techniques use this special dynamic where you put something outside of yourself, in front of you, maybe a movie screen, and watch it transform with whatever technique you are using.

Witnessing this transformation is also part of healing.

What is your relationship to giving up and allowing love to come in?

A social security number is important
To build or improve your credit, you will often need a social security number. Social security numbers are essentially 9-digit numbers that are assigned to residents of the United States. It is important when talking about credit, because this number is generally used to track your trustworthiness in financial situations.

Anytime a business is confident in your financial reliability, whether it’s renting an apartment or buying a car, a good credit score can be a determining factor in deciding whether or not to do business with you.

Obtaining a social security number as an immigrant can be a complicated process and, in some cases, very difficult. Generally, you can apply for a social security card if you are approved for an immigrant visa. This, in turn, will give you the scores you need to start building credit. If you are unable to obtain a social security number, consider looking at other options, such as obtaining an individual taxpayer identification number from the IRS. This will also help you get the credit you need.

Consider working with a credit repair agency
There are a number of organizations that offer free credit repair counseling to new immigrants. Reputable credit repair companies, like Pyramid Credit, have experts in financial matters, especially those related to credit, who specialize in clients with no credit history or bad credit.

Getting the initial opportunity to build credit, or recover from financial mistakes in your past, can often be a difficult task. Taking advantage of these credit repair agencies at no additional charge is a great way to get advice and guidance on how to build credit without adding additional debt.

Keep your expectations realistic
As a person with no credit, and especially as someone new to the country, there is a limited amount you can do to get started, even with the help of a quality credit repair agency. Expect to spend months or even years slowly building a credit history before you can make any major purchases. It is a slow and steady process, but with commitment and financial responsibility, you will begin to see your efforts pay off.

However, realistically, you will need a quick way to get basic credit if you want to find a good place to live. Some places will allow you to prepay several months of rent. If that’s not an option or you just don’t have the funds, you’ll need good enough credit for the homeowner or bank to trust in your ability to pay.

The sections below discuss how to establish or repair credit as an immigrant, and assume that you will start all over without the ability to obtain loans or credit cards.

Look for a secured card
Many banks will now issue a secured credit card to people with poor or no credit. These cards work differently than a normal credit card and have a reduced risk associated with use for the lending bank. Basically, every time a bank grants a credit card or a loan, it takes the risk that the money will not be returned. Managing that risk is important for these companies to stay in business, which is why they often avoid dealing with customers who have new or low credit.

A secured credit card offers a card with a low spending limit. The “secured” part means that users have to transfer enough cash to cover their spending limit before they are authorized to use the card. Basically, this means that the credit you are using is already covered by the money you paid to the bank. Essentially, there is no risk to the lender, even if the payments are not made. Spending a small amount of money on a secured credit card each month and paying it off in full is a great way to slowly start building your credit.

Getting approved for the first credit card is difficult. However, once you’ve gotten past that hoop and started building your credit by spending responsibly, you’ll find that the rest of the process will be a lot easier.

Secure your first credit card or real loan
When you’ve built up good credit through regular use of your secured card, it’s time to apply for another credit card or loan. There is much a secured card can do for your credit, and you will need more lines of credit to continually increase your score.

Apply for a credit card or loan that you think has a good chance of being approved. Do some research online about beginner credit cards or banks that offer loans for customers with average credit and make the decision to add another line of credit to your history. Continue making payments on both your secured card and the new line of credit. Then enjoy more flexibility and options that will give you a good credit score.

Keep moving forward
These steps cover only the first parts of a process that will span your entire life while you live in the United States. As long as you rely on credit for part of your lifestyle, you will need to maintain the good credit score that you have worked so hard to establish. Continually make the right decisions, spend responsibly, and stay in touch with the knowledgeable staff at the credit repair company to make sure you’re still on the right track.

Immigration and establishing a life in your new home is a difficult process, however following these guidelines will allow you to be one step closer to financial security with access to the resources you will need to thrive.