Mimer’s Desk

Archive for April, 2011

Catchphrase catastrophe

Advertising executives have a lot to answer for. Not only have they been responsible for some of the most heinous crimes ever committed on TV – I’m thinking about the “Go Compare” opera singer in particular here – but now their insidious reach is even stretching as far as the Houses of Parliament, where one of these advertising catchphrases has even managed to get the PM himself into a spot of bother.
It’s a joke really. No, not when he told a female MP to “Calm down, dear” in the words of Michael Winner from the car insurance ads, but the fact that some talentless but rich graduate, with no discernible social skills, could end up earning a six-figure salary coming up with annoying catchphrases, rather than working as a street cleaner or in apple mac support London like he should be!
I have to agree with the anti-Cameron brigade that it was pretty shocking to use that particular catchphrase at that particular time. He may claim it was a joke; if that’s his idea of humour, then I’d definitely stick to the day job. Even Russell Brand is funnier than that. What I did find funny was Nick Clegg’s reaction on the government front benches. While Cameron’s posh chum Osborne was cackling like a hyena at his boss'wit, Clegg was pulling the kind of uncomfortable facial expression usually reserved for when Uncle Eric comes out with the faintly racist jokes at family occasions. That says more than any tabloid reaction or Conservative statements!

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Improving your Credit Rating

Improving your Credit Rating

So I was jogging two Mondays ago in the park wearing my new Ascis Gel Nimbus running shoes when I got a call from a friend of mine was lamenting the fact that they applied for a loan and was turned down because their credit rating was poor. So I listened and when it was my turn to speak I gave them the following advice.

Your credit rating can be not what it should be for various reasons including submitting incorrect information, failing to pay credit card debit or utility bills on time due to redundancy or illness, and not having borrowed money before. Yes strangely enough if you do not borrow you will not have any credit rating.

Don’t submit any incorrect information about yourself. Check your credit rating info regularly. You will likely have to pay about £2 to one of the main credit reporting agencies to get a report. You will get a chance to take a look at your credit file which is usually held by Experian or Equifax. Both of these credit reference agencies are the largest in the UK.

Check to see if you are on the electoral register list which is used by the lenders.

Try to pay all your bills in time and make sure that your family does the same. Any negative report about your family members can affect the lending decision when you are applying for a credit.

Don’t send a series of application once your application is turned down. Everything will appear on your file and it will look like you are kind of desperate for money or you are trying to do something illegal.

If you are not related with your family anymore, request your agency to make separate files.

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