Smart Life

Music, Health, Education and Money

How To Increase Your Credit Score

In today’s world, almost everything is been run on credit. And in this world, credit ratings have become very important because they give lenders information on who they can trust. If you have a poor rating, it will be much harder for you to access credit, although you’ll still have some options, like credit catalogues.


If you think that your rating is a bit low, you don’t have to panic. There are still a lot of things you can do top bring your credit score back up. With a lot of hard work and patience, you’ll be able to achieve a golden credit score. Just follow the methods below:

  1. Check out your credit report

Anyone with a credit score of below 620 will get really expensive mortgages since he will be considered as a sub-prime borrower. A lot of banks need clients to have a score of at least 660 if they want a normal mortgage. So that means that the ideal score is 660.the first thing that you need to do is to see where you are right now. Get your credit report from whichever website is used in your country.

After you get your report, go through it as carefully as you can. Look for false information. Sometimes, negative data falsely appears on people’s credit reports, so keep an eye out for that. Sometimes companies record late payments when there were none. Sometimes you get false negatives from accounts that aren’t even yours. Look for all the errors and note them down, then contact the relevant authorities and dispute them.

After that, try to find data that can’t be verified. By law, companies have to prove that you didn’t pay at the right time if they keep negative data on your report. However, a lot of companies aren’t so good at record keeping, and files get lost over the years. This means that if you demand proof, they might not be able to provide any. They will then have to change the negatives in your report.

Lastly, confirm that the negative data is complete. Look for entries that cover only a part of the story. If you never received an item, for example, and you didn’t pay the bill, that should not affect your credit score. If there were other factors that caused your inability to pay the bill, you might get that entry scrubbed off your report.

One thing that you need to keep in mind is that only creditors and credit bureaus can change negative information on your report. And, of course, they’ll only do that if you give them a reason to. Take some time and familiarize yourself with consumer protection laws. Let the institutions know that you would like the matter to be resolved smoothly, but you are prepared to fight for your rights. Write to the institutions yourself or look for a good firm to help you dispute unfair entries on your credit report.

  1. Pay all your bills

You may not know this, but your payment history is one of the most important factors that affects your credit score. Current balances are also considered more important than past entries, which means that it is extremely important for you to pay all your bills on time. One complaint of a late payment will take down your score several steps, so it’s best to be vigilant here.

Another important factor is the amount of money you owe. An ideal situation is one where you have enough money to pay all your balances, but such situations are very rare in the real world. If you don’t have enough money to do this, you can get a loan from family members. This loan will not show up on your report, but you can use the money to lower your overall debt.

Sometimes, borrowing from your family might not be possible. In that case, you can go for a peer to peer loan. A lot of people say that such loans aren’t visible on credit reports, but this isn’t always the case. However, you can still go for such a loan as your last resort.

  1. Other ways to boost your score

There are other riskier methods that you can use to increase your score. If you are very close to someone, you can ask him or her to add you to their existing credit account. If their credit account is more than two years old, you will see a nice rise in your credit score. This method requires a lot of trust from both parties since it is risky for both, so be careful if you decide to use it.

Make sure that you can absolutely trust the other person, since a couple of poor decisions on his part can end up with a situation where you are pulled down with him.

  1. Make a deal before paying old bills

If an institution puts a proper negative in your file, it can only come out if the institution wants it off or seven years pass. When you have enough money to pay off your old bills, call your creditor and inform them that you will pay the old debt as long as they give you a written guarantee that they will delete the negative entry from your report.

A lot of creditors won’t like this, but they are the only ones who have the power to remove the negative entries. As long as you pressure them enough, they’ll agree to do what you require. If they don’t play ball, they won’t get their money back.

  1. Relax

You might follow all the advice given above, but their effects won’t be immediately visible. Your score won’t rise by fifty points in a week. If you work hard and follow all the steps, you might be able to increase your score by five to ten points monthly. So, use your current score and do the arithmetic to find out when you’ll be able to raise your score to the point that you want.

Sometimes, it may take more than two years, but if have luck on your side you might even end up adding a hundred points in six months. A lot depends on where you start out from and on your personal credit history.


Two years may seem to be too long to wait, but trust me; there is no better alternative. If you dive into the property market without a good score, you’ll end up paying a lot more than you would have paid otherwise. You might actually end up hurting yourself rather than helping yourself!



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Shopping Becomes Even More Fun!

Shopping has become a huge industry today. It has expanded from its traditional niches and reached malls, shopping centers, and even the Internet. There is something for everyone today.

We are at a time when people are buying things at a faster rate than ever before. Our entire lives seem to be centered on shopping.

And some people are still trying to make shopping a unique experience. One of those ‘people’ is a penny auction website called DealDash. But what are they doing?

DealDash is an online penny auction operation where the makers have tried to focus on making buying fun. The company is based in two different countries: America and Finland. The operational parts of the company are handled in Finland while the human-oriented parts are handled in the U.S., which is not a bad idea.

The backstory of the company is really interesting. William Wolfam tried out a penny auction, but he did not win. He found that penny auctions were fun but were very unfair since you had to pay for bids even if you did not win the auction. He decided to make a better company, and he actually did!

DealDash has come a long way from those days. It is the top penny auction website right now. The main reason why the company has come a long distance is the fairness associated with it. If you lose an auction, you don’t have to lose your money too; you can choose to buy the product at its retail price and you’ll get your bids back.

Just because DealDash is a penny auction site, some people continue claiming that it is a scam. But as an article by has pointed out, this is not true at all. Apparently it is true that haters can choose to follow anyone!

There are also other advantages. If you live in Canada or the U.S., you get free shipping. And the customer support of the company is great! More than ninety percent of sales are made by repeat buyers, which proves that there is something special about the company.

The nature of shopping might be changing, but DealDash is moving with the changes because it has stayed operational longer than any other such company. I think that the main reason for that is only one: with DealDash, shopping is a game.

You can’t get an awesome experience in DealDash if you don’t play. So be sure to spend some time on the website. Observe other winning auctioneers and try to learn their strategy. Auction smartly.

If you aren’t a patient person and want results right away, this is not for you. But if you allow yourself to become accustomed to the website, you might end up making enormous savings! And it isn’t so bad eve if you don’t win; you’ll still be able to continue shopping without suffering any losses. In fact, if you shop on the website, you’ll feel like you’re playing a video game!


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Six Life-Saving Properties of Coffee

Researchers have been looking for disadvantages of coffee for decades now. But now things have changed and scientists are finding more and more benefits of coffee. And with more and more types of coffee makers being used, it has never been easier to find the best French Press for you.

The latest study says that coffee might be helpful in preventing multiple sclerosis. The study was presented some time ago at an annual meeting of neurology experts.

The researchers took data from Swedish patients and a few Californian patients. They found that consumption of more than five cups a coffee every day helped reduce the risk of multiple sclerosis by thirty-three percent.

There is no concrete data yet on why this phenomenon occurs, but the researchers think that it has something to do with the way caffeine suppresses inflammation in brain cells.

And that’s not even the only way that coffee helps your brain. Other studies show that coffee helps to reduce the risk of getting Parkinson’s disease and also reduces tremors among people who have the disease.

Although caffeine is addictive and can be harmful in very high quantities, the amount of caffeine in coffee is not very high. An average adult should be able to drink a maximum of 5 cups safely.

Coffee also has other benefits:

1. Coffee helps the liver by protecting it from diseases like primary sclerosing cholangitis. Other studies say that coffee might also counteract the negative effects of consuming alcohol.

Other studies show that people who drunk three cups of coffee daily had better functioning livers. They had fewer abnormal enzymes in their livers. But the researchers were quick to point out that coffee was not a magic cure that would automatically reverse any and all effects of alcohol.

2. Coffee reduces the likelihood that drinkers will get diabetes. It does this by increasing a certain hormone in the body. There are very many studies that have been conducted on this, and all of them are consistent with their results. It has also been shown that the lowered risk is not caused by caffeine, but rather by some other nutrients that are rarely consumed except in coffee.

3. A moderate coffee intake might reduce chances of heart failure. Moderation is the important thing here and two cups of coffee were recommended.

4. Coffee might protect against some types of cancers. There is no hard proof yet, but some studies seem to reflect a link between coffee and reduced chances of prostate and liver cancer.

5. Coffee improves your physical condition. Caffeine usually increases endurance, allowing people to exercise much longer and harder, which in turn improves your physical condition. The amount of coffee that you’ll have to take to experience will vary with your weight, so it’s best to do some calculations before exercising.

One nutrition expert recommends that you should divide your weight (in pounds) by two and multiply the result by three. This will give you the ideal dose that will allow you to exercise more effectively.

Most people think that the effects of coffee are caused by the caffeine in it, but this isn’t always the case. Coffee also has other components that are useful to the body.

The coffee bean is, in essence, a plant product, and it has nutrients just like any other plant. Roasting the beans do not expel the nutrients, which is why the beans still help your body even though they are being consumed in liquid form.

Unfortunately, there are also a few negative effects associated with drinking coffee, although none of them are drastic. However, consuming a lot of caffeine during pregnancies might harm the unborn child, so it’s best to abstain from coffee during pregnancy. There is usually an amount that you can drink safely, but it’s better to be safe than to be sorry.



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New Herpes Relief Product: The Herpes Gel

John Paul Dejoria is a very rich person. He is an entrepreneur with an entire empire of businesses. He’s the person behind at least two brands that are each worth over a billion dollars. He’s also a philanthropist, and a lot of his ventures are about helping people. He’s a member of the ‘Giving Pledge’, and he has agreed to give away half of his wealth to charity.


John Paul DeJoria

Even though he has made his money mostly by providing to the luxury market in America, he’s not afraid to get his hands dirty in ventures that might not make much sense to others.

  John Paul is one of the partners of Aubio Life Sciences LLC, which is planning to make an over-the-counter gel for sale that will help people suffering from herpes to get some relief. Their first product will be called Aubio and is going to be available very soon. It will be used to fight cold sores.

Later, the company is going to release a treatment for genital herpes and shingles. There will also be other products in the series; the first two will deal with Human Papilloma Virus and an Immune System Booster. Dejoria has taken on this venture because he wants to do something that will make a huge difference to large numbers of people.

The World Health Organization has released new estimates last month. They have revealed that around 400 million people in the world are currently infected by the Herpes Simplex Virus Type 2. Genital herpes is caused by this virus. There are high rates of herpes infection all over the world, which makes heroes a global health concern.

Herpes is considered incurable. The only way that medicine can help sufferers of the disease right now is by alleviating the symptoms of the disease. However, there are some promising new studies that might just have discovered a cure for herpes.

The product will sell for $39.95 per tube initially, and everything with the product has been regulated according to the FDA’s guidelines.

Aubio is a word that is meant to reference ‘nature’s gold’. It is derived from the chemical abbreviation of gold “Au”, and the shorthand for nature “bio”. The gel is a very effective product that works on shingles and cold sores. It is an over-the-counter drug and is not regulated by the FDA. Keep in mind that this is not a cure for herpes, just a treatment for its symptoms.

Dejoria got involved with the product when a friend gave him a few tubes of the gel. He forgot about them for some time, but when an acquaintance was suffering from sold sores, he remembered the product. He gave some of it to the person and discovered that the gel worked liked a miracle. He immediately decided to get involved with the company so that he could make it possible for more people to access the product.

The product will only be sold over the Internet and through health care providers at first, although this might change later on.

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A guide to buying land

Most people want to buy land at some point or another in their lives. Some people want to buy a ready house while others want to buy a block of land and build their dream house. Unfortunately, a lot of people just rush to buy land without researching. Make sure you read our guide to buying land before you sign your contract.

house for sale

  1. Check out the neighborhood

This may seem like something obvious, but you’d be surprised to know how many people make one visit to the site and decide to buy the land without learning anything about the neighborhood.

Find out how the people living around you are. Travel around a bit and check for anything that might make noise for you. Make sure that there’s no airstrip near the site.

  1. Soil test

If you’re planning to build on that land, you’ll need to get a professional to do a soil test, preferably before you buy the land. It’s important to know what type of soil is found in the area, since different types of soils will need different specifications during construction.

Sandy soils will cost more to construct on since you’ll need to pay for extra foundations. Rocky soils will also cost more since you’ll need to pay to clear them.

  1. Get professional advice

Get an architect to look at the block of land. If you’ve already told him what kind of a house you want to build, he’ll be able to tell you whether the block is suitable for it.

It’s also wise to consult with an attorney before signing a contract. An attorney will be able to decipher legal jargon, and you’ll at least be completely sure that you’re not going to find any nasty surprises waiting for you.

  1. Do your research

Visit the local council and check for any special considerations on the lands. Find out whether there are any major pipes (sewerage or water) running under your block, as this might make construction difficult.

Check how far away you’ll have to go to get access to services like transport or entertainment. While you’re at it, also double-check whether utilities are available for the area where you want to buy the block. This shouldn’t be such a big problem in an urban area, but if you’re building far from an urban center, you would be wise to check that.

Also make sure that the neighborhood suits your lifestyle. If you like swimming, check whether there are any swimming facilities nearby.

Check online so you can find a greater variety of land. Look for a reputable and established company like Land Century. You can see what they are selling now at

Above all, be smart. Don’t rush into any decision; take time to think things through. If you just do that, you’ll be fine.

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The creepiest adaptations of the King Arthur story

King Arthur’s story is one of the most famous and iconic stories in the world. And as we all know, every famous story in the world must get adapted into versions that are totally bizarre. The story of King Arthur is basically a story that can fit into any time, and sometimes it needs to be tweaked a bit to fit into the modern world. But sometimes, those tweaks come in the form of mind-blowing insanity, like in the shows below.

Fate/ Stay Night

fate stay night

The Fate/ Stay Night anime is an anime that is beloved in Japan and takes a lot of Western characters and changes them in its own surreal way.

The story is about a ‘war’ that happens after sixty years. Seven ‘Masters’ are chosen to fight for the Holy Grails, and the ‘Masters’ have to summon ‘Servants’, who are heroes and heroines out of legend, to help them fight for the Grail. The ‘Servants’ help the ‘Masters’ because they also get a wish fulfilled by the Grail if they win it.

The main character, a boy called Shirou, summons a ‘Servant’ from the class ‘Saber’, who turns out to be Arturia Pendragon.

According to the backstory, King Arthur was born a girl. She was able to rule as a man with the help of Merlin.

Arturia is a powerful fighter and defeats more than one of the other ‘Servants’, but is also shown in a more feminine way. She is shown going on dates with Shirou, getting out of a shower and once the characters even have sex!

King Arthur and the Knights of Justice

king arthur and the knights of justice

This may be an American creation, but it is no less bizarre than Fate/ Stay Night.

In this series, King Arthur and the Knight of the Round Table are trapped in a glass cave by Morgana. Merlin sets out to look for replacements, and the best he can find to replace them is a team of football players!

Merlin finds a football team called the Knights which is led by Arthur King, and convinces them to help him in his quest to free the legendary king. He assures them that he will send them back to the present after the king and his knights are freed.

The show has many disturbing implications. The football players actually masquerade as the real knights, and nobody at all even realizes that they have changed! Even Queen Guinevere still thinks that the football player is her husband! She does wonder why he seems to have changed his personality, yet treats him like she her husband.

Even the other side characters don’t realize that the knights are different. Considering that magic is prevalent in that world, you would expect at least a few of the characters to be suspicious of the knights, especially since they know nothing at all about the world that they have been dropped into!


These are the creepiest versions of King Arthur I have ever seen. A badass girl who is also a sex object and a guy who … I can’t even describe that second one!

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New Minecraft Guide Book Coming Soon

minecraft xbox edition

The Minecraft for dummies guidebook is going to be released any time now. While the ‘for dummies’ series is known for being used to prepare for competitive exam, this guidebook is about fun.

The game became wildly popular, and by now has been released on almost all available platforms. While it was created as an indie title by Mojang, it has reached unimaginable heights today. The game was bought by Microsoft, and it makes a good contribution to the company’s revenue.

This small title makes more than half of the revenue that Microsoft gets. It’s available for the PS4, Xbox One, PS Vita, Xbox 360, PS3, and even on the Android platform.

Despite its popularity, many new players are put off the game because it’s a bit hard to understand for beginners. The game is an action games but it has elements of survival and role-playing in it. New players are often confused by the befuddling gameplay mechanics, and such players can greatly benefit from the guidebook. After the book launches, it’s quite possible that it will get new players numbering in the millions. The book could be a great boost for Minecraft, and by extension Microsoft.

The guidebook was written by Jacob Cordeiro and the father-son team of Jesse and Thomas. The book will explain a lot of the major concepts of the game, and amateurs and professionals alike will be able to read it. It won’t be confusing to avoid losing the newcomers.

The guidebook will also have different sections detailing how to play the game on different consoles. There will be sections where you can learn how to play it on the PS3, or even on Android. Readers will learn things that were only restricted to experienced players previously. There will also be a whole section detailing tips and strategies for veterans of the game, which will ensure that there will be a whole demographic prepared to buy the book.

The guidebook will be published in print and also as an eBook. Prices will start from $15, but there will e price variations according to location. The book is expected to be out by the end of February.

If you are wondering whether to buy Minecraft but aren’t sure, you would be well advised to look for a trial online. There are sites on the Internet where you can try Minecraft for free.

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How to become a Better Artist

Although there is no universal guide to becoming an awesome writer, there are some common steps that any aspiring writer should follow to become better at his/her craft.

  1. Draw a lot.

Draw as much as you can. This is one of the most important things that an inexperienced writer should do. The 10,000 hour theory says that if you do anything for ten thousand hours, you’ll become an expert at it.

art book

So draw as much as possible, the more you draw, the better you’ll become at it. Some artists recommend that you feel at least one whole sketchbook in a month, and that is not bad advice. Especially if you get a job where you can draw, you’ll be improving your skills and earning money as well!

  1. Go slow, but never stop.

Whenever you’re learning something new, be patient. It may be a cliché, but patience really does pay. Art is like anything else you can learn, start slowly, and once you get the hang of it, you can speed up. Especially if you are drawing shapes, it’s best to draw them bit by bit until you’ve got exactly what you wanted.

  1. Learn from the best.

It’s always best to aim to learn new things, and what better place to do this than from the best? Most of the great artists are on the Web, and a lot of them are generous and will be quite willing to give you pointers if you ask. A lot of them also have blogs and you’ll be able to learn a lot from them. Also, it’s great practice to copy the work of masters. You can download their works and practice replicating them exactly. That should really improve your skill, because replicating art is extremely hard, you really have to think hard to choose your method.

  1. Become a perfectionist.

bird art

If you’re working on a hard piece (and you should be) keep making small changes until you have it perfectly right. Remember that you probably won’t get it right on the first try, and don’t let yourself get frustrated. Set a base line for your work, and set that line as high as you can. However, don’t go too far with this. If you’ve tried for a really long time, screw it! Maybe that’s not your thing. Start on something else.

  1. Study the fundamentals.

Unless you’re an art savant, you’ll have to learn about art. Many people assume that art is just taking a pencil and starting to draw, but that’s not the case. Read books about the minutiae of art. Try to learn as much as possible wherever you can. If you want to draw animals, visit a zoo. If you want to draw houses, take a look around for different types of architecture. Look for books about construction, color theory, rendering, anatomy and perspective. If you can’t find such books, Youtube has millions of videos that can help you with art.

  1. Repeat, repeat, repeat!

In art, as in life, there is no end until you die. There is always something new to do, some new challenge to face, some new goal to accomplish. Keep challenging yourself and you’ll quickly realize how awesome it feels when you overcome a challenge.


Art is the base on which anime rests. Without art, there is no anime. To go look at some fine works of artists that have been turned into movies and series for us to watch, head over to MyAnime and enjoy. But don’t only enjoy yourself; try to learn from the art of those masters.

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Herpes Services offered by the Herpes Resource Center

The Herpes Resource Center: concentrates on increasing edification, public consciousness, and support to any person worried about herpes. Since its inception in the year 1979, the Herpes Resource Center has assisted numerous people in assisting them in curing  Herpes. It offers,

·         Precise and modern details about herpes
·         Resource for recommendations such as home support groups
·         Voice to enhance public consciousness about herpes problems in the course of the media
·         Support for dependable national policies for treatment and avoidance of the sexual transmitted disease.

Herpes cure

Several patients newly identified with genital herpes require immediate edification and therapy of the disease. They are as well in need of recommendations and sources for extra information and prop up. Although this can be a time-consuming process for healthcare supplier, and tolerant can be left with excessively several unanswered questions.
To address the requirements of both patients and healthcare suppliers, the American Sexual Health Association lately urbanized a one-page sheet of recurrently asked queries with particulars on a few of the most general questions newly-diagnosed patients contain and experimented it with healthcare suppliers and patients. The experiment revealed that the recurrently asked queries were helpful in making the topics simpler, offering prompts for suppliers and sources for patients.
Facts about herpes
Herpes is a general and typically gentle recurring skin disorder caused by a germ called the herpes simplex virus. This virus belongs to a virus family known as Herpes viruses. This family unit contains,
·         Varicella zoster virus that can cause shingles and chicken pox
·         Epstein-Barr virus that can cause mono
Even though there are numerous viruses in the family of Herpes virus, each virus is a separate germ and diverse. Possessing one virus does not indicate you will have one more virus. There are two kinds of herpes simplex viruses such as,
·         Type-1 herpes simplex virus
·         Type-2 herpes simplex virus
Most oral herpes are produced by Type-1 herpes simplex virus and the most genital herpes cases are caused by Type-2 herpes simplex virus, however,   HSV type-1 or HSV type-2 can take place in either the oral or genital area.
Natural treatments to cure herpes
Mostly your doctor will not tell you about the natural ways of treating the herpes, which can assist shorten a herpes outbreak or prevent a herpes break occurrence. They are in the trade of making cash, irrespective of what it means to you as a tolerant.
Several herbal home remedies are available to assist put off and take care of a herpes outbreak. These natural Herpes cures are not only more cost efficient than recommendation medicines, but they are frequently more effective, if not more so than the medicines from the physician. Minor adjustments in the way of life, such as keeping away from synthetic sweeteners such as aspartame and intimately checking your blood pressure levels can as well reduce the probability of a herpes outbreak. If you are under great pressure, do yoga and meditation to keep yourself cool to put off manifestation. If you recognize you take the virus, but have not contained a herpes outbreak, you can as well make use of herbs to put off the herpes outbreak.

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Top of the line proofreading tips for majestic papers


If you did your first correction, pause. Now, ready to proceed with top-notch proofreading tips? This will allow you to return to your text with “fresh eyes” and prepared to detect any errors you could possibly have ignored.

If you know someone trustworthy and that you consider a “good reader”, ask them to read your writing. It is a good way to check that your message is understood and will be received clearly.

Print, print, print!

You may not have a printer and be a nuisance to have to kick up the printing house or the nearest stationery. You may even do not like the idea to spend money on printing, but having your printed manuscript can help you improve a 4 or 5% in the final result. If you want to tackle your work with the “distant” perspective, you need to simulate the situation of being the foreign reader (and do not want to provoke amnesia).

The red pen

You’ve written, you’ve printed, now, read once from top to bottom. Once done, take the red pen and begin to cross out, mercilessly. If you’ve written your first draft by hand, pass it to your computer and print.

Take a breather

If you are very close to the deadline, this step is not for you, just skip it. But if you still have time, maybe to put emotional distance with what you’ve written, you let it cool. When you start back, get another perspective and it will be easier to find faults and bad words, phrases or poorly structured sentences. Ideally, leave about 24 hours, but if you do not have much time, you simply take a walk to the bathroom and get yourself a coffee. Come back will be easier to be brutal with your edit.

Read aloud

Good writing sounds smooth, like when you talk. For this reason, listening to your sentence structures aloud is the best way to discover bugs and strange sentences. Read your work aloud, changes everything meaningless or uncomfortable to the reader. Do not be afraid to use slang, this is how we humans speak.

Put yourself in your audience

Now that you’ve read and reread your work, get to do a little role play. Reread your manuscript, from beginning to end, but this time, do it as if you were your boss (or your editor or your teacher …) Do you get bored before the second page? Or is it so fluid that you thought about giving you a promotion? What is what catches your attention?

Enough said, follow the above proofreading tips, take notes, make changes and advances to the next step.

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