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  • Help, I Need Money  By : Liz Roberts
    Have you found yourself saying or thinking these very words? True, all of us could face financial crisis at one point or another. And when this need arises, where do you find the appropriate help? Here are some points you must carefully consider before applying for a loan.
  • Credit Report And Score - Why Do Employers Look At Your Credit Report?  By : Helen Hecker
    If you're wondering "Why do employers look at your credit report?" I'm going to outline the reasons below.
  • What Does Credit Repair Mean?  By : Stuart Hunter
    Ask 10 people to define credit repair and you will probably get 10 different answers. Even amongst financial experts, there are disagreements about what credit repair is. So exactly what is credit repair?
  • You must pay off your credit card debt  By : qxmax
    Credit cards are no more a luxury, they are almost a necessity. So, you would imagine a lot of people going for credit cards.
  • Loop Holes of Some of The Best Credit Cards  By : Dexter Meadows
    Like with anything some things just sound to good to be true which is why I wanted to write this article about credit card loopholes.
  • Unsecured Credit Cards and The Facts You Need To Know  By : Joshua Watson
    Eliminating these major sources of outstanding debt requires long-term planning for most consumers and a dedicated objective for becoming debt free. A credit card is not a requirement for successful living, but even those who only pay for goods or services with available cash often find a credit card to be a convenient form of identification and instant credibility.
  • Teenagers Can Get Top Card Offers From Credit Card Companies  By : MIKE SELVON
    These days, there is no question that it is absolutely essential to have access to a debit or credit card.
  • How To Improve Your Credit Score Fast With These Secrets!  By : Helen Hecker
    First of all to understand how to improve your credit score fast or raise your credit score, it's important to know what areas to concentrate on to give you the best results in the shortest possible time.
  • Credit Concerns? Understanding What Good Credit Means to You  By : Ann Knapp
    For many, credit is the thing that represents their ability to borrow. But credit is much more than that. It signifies a person's reputation as a borrower, comprised of information about past behavior that attempts to predict future behavior when it comes to borrowing.
  • Say Goodbye To Your Bad Credit Worries  By : Liz Roberts
    People who have bad credit history and low credit scores are often confronted with difficulty when trying to get a loan. But there are instances when taking out a loan or borrowing money is really a necessity.
  • The Downside to Paying Off Your Credit Cards  By : Melinda Day-Harper
    Examples of how paying off credit cards can actually hurt your credit score. Suggestions for improving your credit score.
  • No Interest, No Payment Plans and Your Credit Score  By : Stuart Hunter
    No interest, no payment plans may seem like a great way to buy Christmas gifts, birthday presents, or something for yourself, but these agreements can go very wrong. Protect you pocketbook and your credit score by knowing the potential consequences of a no interest, no payment plan.
  • You Should Consider No Credit Loans During Emergencies  By : MIKE SELVON
    Money problems can erupt in a person's life at just about any time.
  • How to Erase Credit Card Debt After Foreclosure  By : Brian Anthony
    If you have just survived a foreclosure, you know that the emotional and financial stress can be crippling. From legal fees to moving expenses, the credit card debt after a foreclosure can pile up quickly. Once the whirlwind of emotions passes, many people find themselves staring at their credit card balances wondering how to get out of debt and how to get on with their life.
  • Four Methods for Lowering Credit Card Interest Rates  By : Sara Toliver
    Credit card debt is the ball and chain that keeps many people from being able to achieve their financial goals. Learn four things you may be able to do to lower your credit card interest rates and get out from under your credit card debts.
  • Deciphering Your Credit Performance From A Free Credit Report  By : MIKE SELVON
    It is no secret that in today's modern society it is more important than ever before to have a good, clean credit report and as high a credit score as possible.
  • Yes, Top Credit Counseling Means Much More Than What You Thought  By : JanetJonespapp
    You can afford to take credit counseling classes if you are interested in business. Even if you are not the business type, there are creditors everywhere you could borrow from, and those you must not. But how will you know all these if you don’t get some credit counseling?
  • Make Credit Work For You During Crisis  By : Kaushal Sheth
    This article will teach you how to deal with credit during the times of a financial crisis.
  • Why Is Your Credit Score Important?  By : April Claeyssens
    With the world in financial chaos, possibly for the next couple years, your credit score is important just to sustain your life and obligations as they stand right now. If you had reasonable credit, now is not the time to make it worse.
  • What is a Credit Score?  By : Lance Thorington
    When applying for credit, the initial actions that majority of credit officers act upon is checking your own credit score. Even though not all credit officers inform us about what is a credit score, we are rated to it accordingly.
  • How to Erase Credit Card Debt After Divorce  By : Brian Anthony
    If you have just survived a divorce, you know that the emotional and financial stress can be crippling. From legal fees to moving expenses, the credit card debt after a divorce can pile up quickly. Once the whirlwind of emotions passes, many people find themselves staring at their credit card statements wondering how to get out of debt and how to get on with their life.
  • Your Credit Score: What They Do and What It Means To You  By : Kaushal Sheth
    Do you know what's a credit score? If not then this article will provide you information about credit score.
  • You Must Protect Your Credit Card Information  By : MIKE SELVON
    How safe is your credit card information when you use it at your favorite places to shop, dine or enjoy recreation and entertainment?
  • What are the Hidden Credit Card Fees  By : Liz Roberts
    Technically, credit card companies are required by the Federal Law to state all fees associated with the credit cards they offer. However, these fees are not explicitly written unless you take a look at the Policy Agreement or the Terms and Conditions which can be found when you sign up your online application.
  • e-ConsolidateLoans ‘Credit card debt consolidation’?-00-1291  By : qxmax
    There are hundreds of sites with advice on credit card debt consolidation. Every now and then your favourite newspaper will also contain an article or advise on credit card debt consolidation. TV channels host discussions on credit card debt consolidation. Moreover, there are numerous consultants and companies that provide professional advice on credit card debt consolidation.
  • Everything About Student Loans Interest : Discover Valuable Answers  By : Nathan Knightley
    Having to pay for college when you are an adult could be a devastating predicament, especially if the past credit history is not perfect. Before you stop your
  • Credit Repair and the Current Credit Crisis  By : Stuart Hunter
    The current credit crisis has created great opportunities for those with excellent credit. Hoping to take advantage of these opportunities, people with poor and average credit are turning to credit repair for help.
  • Six Ways to Cut Credit Card Debt  By : Ann Knapp
    Indications from the Federal Reserve show that in 2007 consumer debt in the U.S. remained fairly steady, averaging at approximately $8,500 per citizen. Roughly 37 percent of that consumer debt, according to the study, is revolving credit - defined as credit that is repeatedly available as periodic repayments are made. The most common type of revolving credit is credit cards.
  • How Do You Delete Inquiries On A Credit Report?  By : Helen Hecker
    Before we answer the question - how do you delete inquiries on a credit report, I'll discuss what inquiries are. First of all an inquiry means that someone took a look at your credit report.
  • Credit Card Types: Which Is Right For You?  By : Andy West
    With so many credit cards to choose from, it's easy to choose the one that is right for your needs.
  • Tips To Help Students Repair Credit Score  By : MIKE SELVON
    It seemed like just yesterday when you were eating mom's home-cooked breakfasts and hitting up dad for occasional gas money.
  • Watch Out for Higher Credit Card Interest Rates  By : Shawn Wilson
    How to get the most out of the credit cards that you use.
  • 6 Things You Need to Know To Stop Collection Calls  By : Tony Anderson
    Want to stop harassing collection calls? Arm yourself with some key facts about debt collectors and your rights as a consumer. Be an educated consumer, and take back control of your phone...and your life.
  • Smart Tips & Tricks For Getting Out Of Debt  By : Adir Le
    Getting out of debt takes time but it is possible. Learn where your debt comes from, which debt to get rid of first, and where to go for help.
  • What Is Bankruptcy Assets?  By : Charles Bretz
    A person can get an idea on the bankruptcy assets along with personal assets and also on the postings of asset sales which are from bankruptcy estates. There are also bankruptcy trustees, debtors who are in possession of such assets and those who have the authority to sell the assets by an appropriate US bankruptcy court.
  • Credit Repair Is A Matter Of Time And Patience  By : MIKE SELVON
    There are many options for credit repair today, so finding your solution may not be so simple.
  • Helping You Get Out Of Credit Card Debt  By : MIKE SELVON
    The average college senior has nearly $3300 in credit card debt, according to student loan provider Nellie May.
  • Important Points in Rating Credit Cards  By : Jim Brown
    Many consumers are very interested in reducing debt and consider the balances on several credit cards to be a roadblock to buying a new house, or a luxury boat for use on family vacations.
  • Is It Worth the Effort to Repair Your Own Credit?  By : Stuart Hunter
    Repairing your credit is something you can do yourself and there is no charge to do so. While this sounds enticing, the reality is that self credit repair is rarely as easy as it first seems. Repairing your own credit will likely take a significant amount of time and education.
  • The Secret to Rebuilding Your Credit  By : Christina Costa
    There definitely is a secret to rebuilding your credit and that is credit repair! Here are a few tips that you can use to raise your credit score. There is help available from credit repair companies, but it is up to you to take the first step!
  • Buy A Car - You And The Owner Can Help Each Other  By : Nirbhay
    You help the owner by taking over his or her monthly obligations (car payments and insurance), and the owner helps you by putting you into a recent model vehicle. You both help the lien holder because you will be making the payments on time and the lien holder will not have to take a big loss on the vehicle by repossessing it..
  • 5 Tips To Buy A Car  By : MEHANGA SINGH
    1.The best advice I can give you is to take your time when looking for a car, and don't make any rash, emotional car buying decisions.

    Every car salesman you come into contact with will have only one thing on his or her mind; to get you to buy a car "today!"
  • Top Ten Excuses for Avoiding Credit Repair  By : Sara Toliver
    People give all sorts of reasons for not working to repair their credit. Here are top 10 reasons people avoid credit repair and why none of the reasons should continue to stop you from working to repair your credit reports.
  • Get Targeted Website Traffic With Rich Niche Articles!  By : subhash.nov2008
    Content is still the King of the Internet. Most people go online looking for information about their favorite topics, or about whatever is on their mind at the moment. Frequent Internet users seem to have an insatiable appetite for information on various fields.
  • A Brief History of The Credit Bureaus  By : Sara Toliver
    For over a century, credit bureaus in the U.S. have served to help lenders and others make intelligent choices with regards to which people to extend credit to and which people to avoid. Today, the credit bureaus have grown into massive data warehouses that act a an integral component of today's credit driven society.
  • Do You Qualify for Debt Settlement?  By : Christina Costa
    Maybe you have already heard of debt settlement, but you are not sure if it is right for you. Take a moment to find out if you qualify. Before you know it you can be on your way to repairing your credit and getting the debt relief you deserve!
  • The Bad Elements In Your Credit Report  By : Liz Roberts
    The credit report is what all lenders look into when considering consumer applications. Whenever you apply or open a new account, the details about it would be reflected in your credit report.
  • Accurate Credit Listings, Not What You Think They Are  By : Stuart Hunter
    Because of how accurate credit listings are defined by the FCRA and other legal rulings, many of the things on your credit reports that you think are accurate may not be.
  • Repairing Your Credit Can Help You Get Approved for Loans  By : Christina Costa
    If you have recently been turned down for a loan or line of credit, did you realize that your credit report might have been the deciding factor? By taking the time to repair your credit, this can really payoff and help you to get loan approval. Not just approved, but lower interest rates as well!
  • Tips To Help You Handle Bad Credit Repair  By : MIKE SELVON
    While looking for bad credit repair, many desperately want there to be a band-aid that will fix their broken lives.
  • Straight Answers Are In Short Supply  By : Paul Dubsky
    Too much cash loaned to unaccustomed to handle large sums. Mums and Dads cannot be expected to keep helping the newlyweds. More newlyweds having to live with mum and dad.
  • New Immigrants to America - Establishing Credit  By : Victoria Hemingway
    You've just arrived in the United States and there is no doubt that establishing good credit can seem overwhelming. Don't worry; there are several ways you can establish good credit so you can take advantage of many financial opportunities available in America.
  • Credit Repair Can Help Get Your Loans Approved  By : Christina Costa
    If you are having trouble getting approved for loans or lines of credit, have you taken a look at your credit report? Did you know by simply repairing your credit you could start getting approved for loans? And getting a desirable interest rate on top of it!
  • Do You Have Bad Credit? Help is Available!  By : Christina Costa
    Many Americans are finding out that they are not alone when it comes to having bad credit. Luckily, there is help available. Credit repair companies can work with you and your creditors. Before you know it, you will be able to get the lower interest rates you deserve! Not to mention a higher credit score.
  • Will I Get A Better Interest Rate If I Have A Lower Credit Score?  By : Carol Bell
    The rate of interest that you have to pay on a fresh loan would largely depend on the kind of credit history you have. A good credit rating means a lot.
  • 3 Harmless Activities That Can Hurt Your Credit Score  By : Stephen Chua
    There are many things that can hurt your credit score. However, most of these things are seemingly harmless activities that you undertake. This article discussed three of them.
  • Practice Safe Banking And Computing To Prevent Identity Theft  By : Stephen Chua
    Identity theft is on the rise each and every year. To protect yourself from identity theft, you should always follow safe banking and financial practices. Here are six steps you can use.
  • Obtaining A Loan After Bankruptcy  By : Kay Brown
    If you think that bankruptcy can hinder you from applying for a loan, then think again because whether a person is bankrupt, a loan can still be arranged especially if you own a home with a fair amount of equity.
  • Take Your Credit Cards On Vacation With You  By : Nick Makaryk
    As we all know, traveling with cash or checks isn't always a wise decision. Renting cars, flying in airplanes, or checking into hotels is a much easier task if you have a credit card. Even though you may decide to use your credit cards for big purchases only, you'll find that the traveling experience will be a much smoother process.
  • Types Of Credit Cards Available To Students  By : Paul Hata
    Citi Dividend Platinum Select Cards are one of the few cards offered for college students. The card offers a 0% Intro APR up to six months and 5% cash rewards on qualified purchases, including purchases at pharmacies, gas stations, and grocery stores. There are a 0% Liability on fraud purchases and no annual fees. The cardholder will also have free online access to their account.
  • Types of Business Credit Cards  By : Paul Hata
    The Visa Business Cards help businesses to gain freedom from finance, and is a smart plan for managing your money. Few card providers offer detailed credit reporting to help businesses prosper by increasing their credit ratings. The cards can help businesses separate their personal debts and business debts.
  • How To Build Your Credit With Credit Cards  By : Paul Hata
    We live in a rich man's world, with selfish, irresponsible, undignified individuals running the show. Therefore, if you are looking to build your credit with credit cards then there are things you should know.
  • Tips For Credit Card Security  By : Paul Hata
    If you have a major credit card, store the card in a safe location. Forget that "never leave home without it" crap, rather leave home with your credit card only if you feel you will need it for an emergency, or if you are going on a trip. Only use your cards at places that are proven trustworthy.
  • Questions To Ask When Considering Credit Cards  By : Paul Hata
    You will need to ask the card provider of the Credit Cards you are considering what the APR entails. Many cards include APR on late fees, purchases, cash advances, and balance transferring. Therefore, if you are looking for a Credit Card then make sure the card provider explains in detail what the APR entails.
  • How To Compare Credit Cards  By : Paul Hata
    Few cards are compliant with others, and other cards are competitive. Most credit cards offer 31.99% APR on cash advances, which is fairly steep. Other cards may offer 30.99% APR on cash advances, which is also high, but it is a percentage cheaper and can save you money.
  • What Is Guaranteed Approval For Credit Cards  By : Paul Hata
    Those letters, sales person and advertisements online that claim to offer Guaranteed Approval for Credit Cards is misleading, since not everyone is approved for credit cards. Since person with bad credit often find it difficult to get credit cards, and often feel frustrated from rejections, then going online can help, since more providers are helping people with credit issues today.
  • How To Create Credit With Credit Cards  By : Paul Hata
    If you do not have credit and want to apply for a credit card, then one of the smarter things to do is contact your creditors, requesting letters as reference. Any creditor may include utility providers, insurance providers, and so on. For the most part, if you have paid your bills faithfully longer than one year then the creditors are likely to give you a letter of recommendation.
  • What Are The Grace Period For Credit Cards  By : Paul Hata
    I have noticed few cards that have 20-day grace period, and frankly, this is not enough, since most all other cards offer 5-days longer. If you notice in this plan offered the card offers Fixed Rate APR. This is another important logic if you are applying for major credit cards online.
  • The 5 Important Factors That Affect Your Credit Score  By : Stephen Chua
    The credit score is a simple three-digit number but it is probably one of the most important number in any American's financial life. Read on to find out what affect your credit scores and what you can do about it.
  • Why Equities will Follow the Debt Meltdown  By : Rakesh Saxena
    While the turmoil in the debt markets is set to continue, despite the passage of the bailout package, Wall Street analysts are now busy making the case for equities. There are unique buying opportunities out there today, is a classic refrain in the television and print media. Really? Wilful blindness or plain old-fashioned ignorance?
  • How To Cope With Credit Card Debts  By : Stephen Chua
    Credit card debts can be very stressing for many people. However, there are many things you can do to cope with it. This article reveal some of the things you can do now to reduce your debts and stress.
  • Don't Let Ignored ERM, Uncertainty, or Liquidity Risks Sink Your Company  By : gary Patterson
    Just think where Bear Sterns could have been today if only they had faced their risks honestly and squarely. Thought leaders warned a decade ago about risks like the hot potato syndrome of the financial markets and our country's appetite for debt. This article issues a similar warning today: Do not let your risk situation threaten the foundation of your company.
  • Repair Bad Credit  By : JRW1
    Credit secrets proven to repair and manage your score from the big three credit reporting agencies.
  • Selecting the Best Credit Repair Company  By : TheTopTens
    Credit repair companies have become an invaluable resource for people looking to make the most of their credit scores. TheTopTens provides a list of the best credit repair companies to help you choose the best company for you.
  • Do Credit Scores Really Make a Difference - 3 Tips to Improve That Score  By : Dee Power
    If you have ever wondered if your credit score makes a difference, in day to day credit situations, the answer is a resounding... yes. In fact, the lower your credit score the harder it will be for you to obtain any type of credit. However, it is not impossible as long as you are willing to pay the price.
  • Tips To Be Able To Improve Your Credit Rating  By : MIKE SELVON
    As of this year, there's a new credit rating model known as "FICO 08."
  • How to Co-Sign for a Loan Without Hurting Yourself  By : Chris Esposito
    If you are considering co-signing for a loan to help out a close friend or family member, the best advice is to walk away. Don't do it. It could cause real harm to your credit score and to your qualification numbers when you need a mortgage yourself. But, if you must be a co-signor, then make sure you follow these simple rules to ensure it won't hurt you in the long run.
  • Using Letters of Credit to Accomplish Your Inventory Financing Needs  By : Ann Knapp
    For business owners looking to increase inventory or purchase goods from an international supplier, one of the hindrances often lies in providing the supplier with proof that they will receive payment. Without that proof, it can be a challenge to secure the inventory the business needs to generate its own sales.
  • What To Look For In A Small Business Credit Card  By : Gregory Smyth
    Credit cards are an integral part of the cash flow management of small businesses. However, the number of products and features available makes it difficult to assess which is the best choice for your business. Business consultancy services can help you assess whether a particular card will suit your business - here we give you a rundown of the main points.
  • Help And Advice About Unfair Credit Agreements  By : Kristi Ambrose
    Well over 50 million credit agreements are created in the UK every single year and according to sources over 25 million of those could be unenforceable by law! If the solicitor can help you with something like this, they claim that you can keep 100% of any final settlement plus interest. You will also get to keep any products, services or good purchased beforehand.
  • The Insider Secrets On Bad Credit Counseling Repair Uncovered  By : Izrul Fizal
    In present society, many people find that they need credit for any number of big purchases, from their automobile to their home and they may be called upon to produce a good credit rating without learning more about bad credit counseling repair.
  • The Absolute Truth About Sample Credit Repair Letters  By : Izrul Fizal
    When you find that you have credit issues, you will want to clear them from your credit report. If you have found that some of them are incorrect or inaccurate, you will benefit from using sample credit repair letters.
  • Having Your Loan Denied Due to Your Credit - Despite Having a Good Credit Score  By : Chris Esposito
    Everyone knows that you need to have a good credit score to get the best rates and terms on any loan, especially a mortgage. But, many people don't realize that their credit report can cause them to be denied financing, despite having a good credit score. It's more important than ever to understand your entire credit history - not just your credit score itself.
  • Finding the Right Credit Repair Company  By : Christina Costa
    If now is the time to repair your credit, the next step is finding the right company! There are many reputable companies available who not only help fix your credit report but provide other services. Get started today and you will be on your way to good credit!
  • Is a Credit Repair Service Right For You?  By : Christina Costa
    Has your credit gotten so bad that all you are hearing is "no" when you apply for a loan or line of credit? Maybe it is time to repair your credit! You could try and fix it yourself, but ask yourself is a credit repair service right for you?
  • Consumer Credit Card Pitfalls Could Be Costly  By : Nick Makaryk
    When trying to establish a good credit history, you can do so by using a credit card correctly. Your payments have to be on time. It is important that your credit rating stays healthy, especially in the case that you need to buy something big, like a car.
  • How to Get Credit Repair Help  By : Christina Costa
    Your credit report and score are two things you need to take very seriously. Whether you plan on applying for any loans it is important now that you repair any mistakes you have made or damage to your credit. Credit repair help is available. If you are in over your head there are many professionals who can help you raise your score and hear the words "good credit" once again!
  • Credit Report Secret - Raise Your Credit Score Fast With This Method!  By : Helen Hecker
    Everyone wants a good credit score. So much of what we do financially is dependent on this FICO score on our credit report.
  • Owner Builder Construction Loans Giving Boost to Borrowers' Credit Scores Around the Country  By : Chris Esposito
    Owner builder construction loans have found a way to actually increase borrowers' credit scores while they build. This boost during construction is a drastic turnabout from the typical phenomenon of decreased credit ratings for individuals building a home. In a time of falling credit score averages around the nation, this shift from owner builder financing is a welcomed change.
  • Which Is The Best American Express Clear Card For You?  By : Kristi Ambrose
    American Express also offers another card called Clear. This card has absolutely no fees, no annual fee, no late fees, no overlimit fees, no balance transfer fees, no cash advance fees. No fees at all. There are three different cards you can choose from, Clear from American Express, Blue Cash from American Express and American Express preferred rewards Gold card.
  • Information About SimplyCash By American Express And Other American Express Cards  By : Kristi Ambrose
    SimplyCash is also a part of another network called Open Network which allows you to get additional savings from specific companies such as Hertz car rental, Jet Blue Airlines, Fed Ex deliveries, Delta Airlines and Gateway electronic products. This seems like it would be a really good card for a business or a person that travels a lot.
  • What Can A Chase Freedom Card Offer Me?  By : Kristi Ambrose
    Chase also offers other things besides credit cards such as banking options, business solutions, investment programs, insurance and personal lending programs. Personally this is a good thing because they don't just specialize in credit cards like a lot of other brands, they also offer more professional services as well.
  • Which Is The Best American Express Gold For You?  By : Kristi Ambrose
    Some of the gold cards that American Express offer are The Gold Card Small Business, Gold Delta SkyMiles Business, and SimplyCash Business Card. The following stats allow you to see some of the options that these three cards have, such as intro APR, annual fee and any added extras such as points, cash back or rewards
  • Fix Your Credit with a Credit Repair Service  By : Mike McCoy
    Millions of people have had their credit ruined as a result of foreclosure or job losses in the past few years. This is a serious problem for a lot of people because having a good credit report is more important now than ever before.
  • Which Is The Best American Express Blue Card For You?  By : Kristi Ambrose
    One of the coolest cards American Express has out is a blue card. This card offers a lot of different options and can benefit you the user greatly. Blue offers things like
  • The Best American Express For All Your Needs!  By : Kristi Ambrose
    American Express offers all sorts of cards for small businesses, travel and personal expenses. A few of the cards offered are listed below along with some important points you will be interested in. Take a look!
  • 4 Things to Know About iPhone Movie Downloads  By : Kyle Gentile
    Is lowering you credit limit a good way to improve your FICO score? If you are a consumer trying to improve your FICO score you should know.
  • Credit Report - How Do Late Payments Affect My Credit Report And Score?  By : Helen Hecker
    Of course you don't want to make any late payments on your credit cards or loans and affect your credit report and score unless you absolutely have to, but what happens if you're unable to avoid it?
  • The Benefits Of Going On Vacation With Your Credit Cards  By : Nick Makaryk
    Many people all over the world go away on vacation every year and have the best of times with friends and family enjoying themselves to the full and chilling out in relaxed surroundings.
  • Protect Yourself From Credit Card Criminals  By : Nick Makaryk
    Now a days the criminal element is always out there looking for someone, to try steal one's identity. These very criminals want credit card information so they can run up the charges then leave you holding the bags with nothing to show for it.

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