Posted by in Lenders on November 17, 2015
Finding Direct Lender Payday Loans – What You Need to Know About Direct Payday Advance Lenders
There are several things that you should know when it comes to direct payday advance lenders, and the direct lender payday loans that they offer. You want to be sure that you are able to afford the payday loan, but you also want to be sure that it is going to be the best option for you.
First of all, when you are looking at direct payday advance lenders, you’ll find that the lenders are going to be more willing to work with you because of what they offer and because of the business that they are in. Remember, payday loans are often going to be easier for you to get than other types of loans will be, for the simple fact that they are going to have less paperwork, and aren’t going to have a credit check.
The eligibility criteria for payday advances are such that virtually anyone can qualify. If you have a computer and internet access you can apply right from the comfort of your own home. The main things you need are a job, social security number and a bank account. Each lender has own rules and requirements, and the details may differ sometimes to a large degree.
This means that you’ll be able to get them without as much hassle in most cases as some lenders’ rules are quite relaxed. This is part of why many people choose to go with this type of loan, because they simply need to get money quickly and don’t have anywhere else to turn.
There are some things that you want to be aware of, however, before you find direct lender payday loans from direct payday advance lenders. It is important for you to remember that these loans can be very expensive; the rates are going to be higher and there may be other fees that you might not have with other types of loans.
Therefore, even though you are going to be getting money in a much quicker manner, and although it might be easier to get the money, you will inevitably end up paying more for the loan. This is the reason for finding a reputable lender, so you are not caught off-guard and end up owing more than you can afford.
However, in some situations, the money is going to be worth it to you. If so, you might want to consider this type of loan but tread with care. The most important thing for you to do is to remember that when it comes to finding direct lender payday loans is that you need to research all of the loans, and read the fine print before signing on the dotted line.
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Posted by in Free Credit Report on November 16, 2015
Millennials: How you can avoid credit pain
Abramo suggests checking your credit report before you apply for a loan, credit card, mortgage, etc. "If nothing else it gives you that reflection of how a lender will view you." You are entitled to a free report from the three credit bureaus (Experian …
Read more on USA TODAY
Step By Step Instructions to Repair and Protect Your Credit
Whether you have recently filed for bankruptcy, had a past foreclosure, car repossession, or divorce, the following suggestions will help you repair and improve your credit. The following guide will help you obtain free credit report directly from the …
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Posted by in Annual Credit Report on November 15, 2015
Can You Add ID Theft Protection to Your Homeowner's Insurance?
You can also mitigate the effects by regularly checking your credit since unfamiliar items on your credit report, like an unauthorized inquiry or a mysterious new loan account, can be signs your identity has been stolen. You can pull your free annual …
Read more on STLtoday.com
Yuan Advance Seen Along With Bonds After IMF Entry a Done Deal
The yuan's likely ascent to the IMF's Special Drawing Rights will stave off depreciation concerns in the short-term, boost the bond market and oblige President Xi Jinping to push ahead with efforts to loosen capital controls. So say economists …
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Posted by in Lenders on November 15, 2015
Cash Advance Lenders ? Find the most readily useful Payday Lender
You understand that payday lenders are going to help you get out-of a bind, nevertheless also realize they are going to attempt to make money from you. For that reason, you’ll want to discover very best loan provider if your wanting to submit an application for that loan.
You’re going to want to look up some elements on the web just before choose any loan provider. Certainly one of the items you are likely to appear for needless to say is the interest rates the various loan providers tend to be charging you. There are other facets that you simply should be sure to check out also. You will need to know simply how much recognition info each one of the loan providers needs, and exactly how a great deal they’ll enable you to remove at any 1 time.
Discovering this information is easier than ever before, because all of it’s generally available on the world-wide-web. Doing some fundamental internet queries will only take you a few momemts, also it can save you a huge selection of bucks in the future. Depending on the needs you have, you’re likely to be interested in several different elements that all organization provides.
1 thing this is certainly necessary to keep in thoughts is finding which business gives you the quickest service feasible. You certainly not know whenever you will need to have that more money at the earliest opportunity. Discovering businesses that don’t require that you fax them any information is always thought to be to be a good idea amongst payday loan providers. Always do your research before taking out fully that loan.
Note: by researching and researching top cash loan companies on the market, you can expect to determine the one providing the less expensive interest rates. Save cash on commissions by going direct.
You might be really welcome to go to the Bad Credit Loan Mortgage Refinance website – where you can get an internet unsecured loan.
Posted by in Identity Theft Prevention on November 14, 2015
Maine Fraud Prevention Alliance to host seminar
… your individual information 9:30-11:30 a.m. Thursday, Nov. 19, within Maine Military Museum, 50 Peary Terrace. Attendees is educated in the forms of fraud and identification theft, and start to become provided with tangible, easy-to-remember actions for avoidance.
Read more on Bangor Frequent Information
Bop.fm to close as staff relocate to identity theft protection firm
Platform-agnostic playlist solution Bop.fm happens to be obtained by identification theft security company LifeLock. It celebrated the news headlines by shutting it self down yesterday, and will now close its website entirely this Saturday, which doesn't offer people much …
Find out more on Total Music Update
California Highway Patrol Seeks To Get Rid Of Identity Theft In Car …
The flash printing guidelines of a big south Ca dealer team are an example of exactly how thumbprinting supports the prevention of identity theft. Of the numerous dealerships possessed and run because of the dealership team, 17 places have instituted a …
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Posted by in Debt Counseling on November 13, 2015
In conjoint or couples counseling, therapists should maintain a neutral stance between the clients and also as to outcome. Not all therapists agree with this, and others cannot maintain neutrality, if they are not aware of their biases.
In relationships, “There are neither villains nor victims, only colluders and collaborators.” This doesn’t mean one spouse may not be a victim of abuse, but on a psychological, often unconscious level, victims’ self-esteem or past may keep them from setting boundaries. Often people being criticized or abused minimize the problem or don’t even recognize it as such, but instead withdraw from their partner sexually or emotionally. In therapy, they can learn to value themselves and set appropriate boundaries.
If there’s physical or emotional abuse, the therapist must address this first, and should encourage prevention and the safety of the injured person. Sometimes, a therapist may spend time and empathize with the angrier, withholding, or abusive client, to the dismay of their more cooperative partner. This is because the therapist is trying to engage the more resistant spouse, who might be averse to therapy. Getting them to open up and talk also helps to reduce their maladaptive behavior. They need to learn to express their feelings appropriately and control their anger.
Many clients expect there should be no conflict. This is unrealistic in any relationship. Also, couples may only feel safe to express their fears or angry feelings in the context of therapy. They need conflict resolution skills and to learn to communicate and resolve conflict before it escalates into a fight – skills that may never have been learned, particularly in intimate relationships. Therapists teach listening skills, assertive communication, and how to identify needs and feelings, set boundaries, and problem-solve.
Frequently, the symptom is not the problem. Issues that clients’ aren’t aware of may eventually surface and need to be addressed. In any intimate relationship, there are always at least six people involved: The couple and two sets of parents. Sometimes a sibling or grandparent plays an important emotional role, and in today’s family structure, there are often step-parents, too.
The past is usually at play when couples are very reactive to one another, and have trouble learning to communicate better. They may be “enmeshed” emotionally and need individual support or therapy to separate their thoughts and feelings from one another. Deeper work may be indicated around issues of autonomy, intimacy, trust, and fears of being smothered, controlled, or abandoned. Our early childhood is when we learn lessons about intimate relationships.
All people project past experiences onto present situations when there is an emotional trigger. Whether from childhood or past adult trauma, talking about these experiences in a safe counseling environment together with your partner engenders vulnerability and trust between the two of you. When you realize that your partner’s motivations aren’t personal to you, you can drop your defenses and begin to empathize. You can then see your partner as vulnerable, rather than as an adversary, and good faith and good will can return.
Posted by in Experian on November 13, 2015
Experian – organic revenue growth accelerates
North America (c. half of sales): Experian returned to growth in North America, with revenue up 1% in the first half. Credit Services enjoyed another strong quarter. The rate of decline in North America Consumer Services further moderated, from -10% in …
Read more on Hargreaves Lansdown
Experian Group firmly in credit, Citi says
The bank was heartened by Experian management's continued commitment to returning money to shareholders and the indication that the Decision Analytics business has bottomed out after eight years of decline. Meanwhile, Deutsche Bank has a target …
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Experian plc 12.1% Potential Upside Indicated by JP Morgan Cazenove
Experian plc with EPIC/TICKER LON:EXPN had its stock rating noted as 'Reiterates' with the recommendation being set at 'OVERWEIGHT' today by analysts at JP Morgan Cazenove. Experian plc are listed in the Industrials sector within UK Main Market.
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Posted by in Debt Management on November 13, 2015
Petrobras (ADR) Enhanced Debt Control Causes .8 Billion Savings
Petroleo Brasileiro SA – Petrobras's (ADR) (NYSE:PBR) CEO, Aldemir Bendine on Wednesday, October 14, claimed your organization has actually conserved about $ 3.8 billion through the present 12 months by improving its debt management. In a hearing with Congressional …
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Walk the talk on debt administration
President John Dramani Mahama included in their three-day visit to the Eastern and Ashanti areas, on Monday assured Ghanaians that his federal government had placed actions set up sufficient measures to retain the Ghana's ballooning general public financial obligation. Speaking …
Find out more on GhanaWeb
Posted by in Consumer Credit on November 13, 2015
the best consumer
Consumerism is going on all-around and attaining sufficient recognition amongst masses. Customer training is obviously making its effect noticeable. Developing styles of implementing customer rights by a big portion of general public is self evident. However, popular conception of customer legal rights is now synonym with administration of rights through consumer forums just. Whereas consumerism by itself is a broad concept maybe not confined to enforcement just but about prevention, customer information, security, customer knowledge, redressal liberties and related consumer aspects. The administration through customer discussion boards possesses its own distinct part. Beyond that when we mention the customer liberties “information” on related facets of customer rights plays a vital role for a consumer. Information from a consumer potential means to have information appropriate for pre purchase till post purchase.
A smart acquisition needs little bit of pre acquisition item analysis. As soon as we state study it means you could proceed through an over-all assessment and only a little inquiry concerning the product. Additionally includes someone you-know-who has actually purchased the item recently. This off hand information can be extremely useful. At pre acquisition phase customer must get adequate information according of the marketplace which is best for a specific range of services and products. There was selection of committed websites supplying well-informed reviews associated with the product and specialists comments. Even on television networks you will find committed customer programs which give enormous of use information and guidance.At the same time frame you really need to by the decision keeping because your needs and spending plan.
You can have item information through the regulating authorities under the straight to Information Act. By simply making a simple application with requisite cost you can get all information in connection of the product if it’s supported. The endorsement generally given by the Govt by granting ISI mark, Star Rating, AGMARK etc. If in a electric product, begin score has-been offered along with doubts in regards to the energy savings you will get relevant information from Govt. Department. In case of food item AGMARK is awarded you ask for foundation which it had been issued. You could matter and ask for the knowledge the test conducted because of the officials before such grant.
Online is a good resource to have appropriate information about the product. In current marketplace scenario no enterprise may survive with out a user friendly web site. Website includes countless information which provides such information that is generally speaking unavailable using shopkeeper or showroom. The interest paid toward item can be more to comprehend the requirements compared to having it bought at shop. You can easily understand the different essential popular terminologies which are of good help to make the best choice. Although after all these types of information gathering, you feel cheated about any thing, then you can certainly publish internet based customer complaint as well to safegaurd your customer legal rights
Next comes being informed about the superiority, amount, effectiveness, wholesomeness, standard and cost of products or solutions in order to protect the consumers against unjust trade practices. No-one can ask you for more than the MRP written regarding the product and also at the same time it’s mandatory when it comes to company to print MRP on any digital gadget and is additionally good for solutions too. If some body charges you over the MRP printed in the item, it is possible to publish customer grievances with the body weight and measurement department and to the buyer courtroom besides.
Consumer liberties on our side to guard our valuable rights. However it is stated that “prevention is preferable to cure”. Therefore, we can equip ourselves with little understanding and knowledge which could get good way to truly save our valued time, money and harassment within hand of seller and company.
Posted by in Debt Counseling on November 12, 2015
In practices, counselors will more than once encounter a crisis situation. However, counseling research shows that majority of them are not ready to handle such crisis situation despite the fact that they will encounter them in their practice (James, 2008). There are three phases that counselors go through in handling crisis. These include identification and preparedness for the crisis, crisis intervention and recovery (Everly and Lating, 2004). In preparation and identification phase, counselors must be able to detect the occurrence of the crisis long before it occurs and get prepared to handle it. In crisis intervention, counselors must be aware of the best practices to handle the crisis while post crisis recovery will include counselors’ recovery from traumatic experience after the crisis. The way counselors respond to different crisis differs. Although there are many crises that counselors encounter, client violence, client suicide, or personal losses like death of a family member. Client violence is most common in counseling. Counselors must be able to assess clients for violence because it does not occur spontaneously but rather as an unfolding sequence of interrelated events and crisis episode is a single part of those events (McAdams and Keener, 2008).
Once the counselors detect behaviors which could lead to violence, the counselor must act fast through support network and other avenues to avert the violence. In addition, the counselor must act to ensure the client recover from the violence. Personal suicide is also common. In this case, the counselor must look for signs that could lead to suicide (McAdams and Keener, 2008).
Once client has committed suicide, the counselor may suffer from regret, self-blame, depression and others and therefore must seek support from supervisor. Personal loss differs from the two crisis mentioned above in that the counselor my not be in a position to detect the crisis before it happens. This means that what the counselor can do is to offer counseling supports towards recovery. In this case, support network becomes important for both the client and the counselor. From the above comparison, I have concluded that counselors need to be aware and ready of crisis that can occur in their practices. They should be able to contact their supervisors immediately for support especially when they feel that they are not in a position to handle the crisis.
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Posted by in Consumer Fraud on November 12, 2015
The Class-Action Ban-Wagon and Just What It Indicates to Consumer Protection Rules
Rohnert Park, CA Consumers are becoming increasingly suffering from an enormous improvement in the options people have to fight unfair practices like consumer fraudulence done by corporations and companies, without even realizing it. What's much more, the …
Read more on LawyersandSettlements.com
Global threat Technologies: European countries Warned of on line Fraud and Chargebacks danger …
However, increasing numbers of chargebacks are deceptive, with a few consumers getting products without paying for all of them – a procedure called friendly fraud. Black Friday product sales disrupt regular shopping behaviours, making choosing and preventing friendly …
Read more on Company Wire (pr release)
With much better technology in the possession of associated with consumer, meals fraud will begin to …
INNSBRUCK, Austria – Date tampering in food stores is in the news once again, and horrified consumers need to know just how it may be stopped. Throughout the last 12 months, reports from B.C., Ontario, Alberta and Quebec advise store staff members have-been asked to …
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Posted by in Debt Consolidation on November 12, 2015
Debt Consolidation Loans-Remove The Burden Of Various Debts
Are you not able to repay the advance which you have taken earlier? Is this turning to be a stressful issue? Do you want a big advance to solve all these issues? If yes, then apply for Debt Consolidation Loans. They will help you remove the burden of various debts. They are services which can help you a lot for settling various financial issues. As these services are offered in the secured and the unsecured format, both tenants and homeowners are eligible for applying for this service. They help you consolidate various small debts in one big advance. Thus, applying for this service will be beneficial for you as it can help you fund you various small debts. Thus, there will be no pressure on you of the various debts. You can also apply for this service when you are in a credit crunch.
Debt Consolidation Loans are services which are offered to you so as to help you fund your various small debts and be free from the fiscal worries. They are accessible in the secured and the unsecured format. This is the reason why both tenants and homeowners can make an appeal for this service. You can make an appeal for Online Debt Consolidation Loans through the online mode easily. You simply need to fill up the online form and submit it to the lender back. The lenders will confirm the facts and will then sanction your application. After that an email confirmation is sent to you and then after that the sum is wired in your account. The need which can be fulfilled with the aid of this service is for refunding the various small debts. It is the most convenient for those in debts.
Debt Consolidation Loans are offered in the secured plus the unsecured format. The secured format needs collateral placement. This format can be applied for by homeowners. Those with no property to give as collateral can apply for the unsecured format. This format can be applied for by both tenants and homeowners. The amount accessible in this varies from £250 to £250000 and the repayment tenure varies from 6 months to 15 years. The lender approves your request after he finds that all the conditions are met by you properly. There are also eligibility conditions which have to be met by the borrower for gaining Online Debt Consolidation Loans. Theses include UKnationality, valid bank account, regular source of income and more than 18 years.
Posted by in Consumer Fraud on November 11, 2015
Consumers Left in Dark When Banks Cut Off Online Finance Services
Online finance tools that help people manage everything from investing and saving to paying off debt are increasingly being cut adrift by banks, leaving users in limbo. The banks say the cutoff of financial data flowing to the apps and websites is …
Read more on CNBC
Consumers Are Aware of Data Breaches, but Worry Less About Fraud This Holiday …
CHICAGO, IL–(Marketwired – November 11, 2015) – More than half (54 percent) of consumers recognize an increase in data breaches this year compared to last, according to TransUnion's ( NYSE : TRU) second annual Holiday Identity Theft survey. Despite …
Read more on Marketwired (press release)
Posted by in Credit Monitoring on November 11, 2015
Avant-Acquired ReadyforZero Announces New Free Credit Monitoring For Personal …
With this new feature, users can manage both their personal debt and credit from a single web and mobile interface – 100% free. Unlike other free credit monitoring services, ReadyForZero's tools focus on personal debt repayment while monitoring credit …
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TeleChoice to pay for credit monitoring after privacy breach
Telecommunications firm TeleChoice has agreed to pay for 12 months of credit monitoring for customers affected by a privacy breach. The company agreed to the enforceable undertaking after an investigation by acting Australian Information Commissioner, …
Read more on Computerworld Australia
OPM, DOD announce identity theft protection and credit monitoring
ID Experts will provide all impacted individuals and their dependent minor children (under the age of 18 as of July 1, 2015) with credit monitoring, identity monitoring, identity theft insurance, and identity restoration services for a period of three …
Read more on Pentagram
T-Mobile US megahack cost Experian m, class actions coming
T-Mobile US eventually got rid of Experian for credit checks following the hack, telling The Register that TransUnion's CSID service would offer ID theft and credit monitoring instead. Analysis of the breach at the time noted that despite Experian …
Read more on The Register
Posted by in Debt Management on November 11, 2015
How to easily collect on tenants debt
Collecting payment is one of the toughest parts of any business. I want to tell you how I handle it, what has worked, where I am today and what I recommend for this often complicated task.
Somebody owes you money. They were living in one of your units or one of your houses. They left without paying and left a lot of damage to your place. It is going to cost you a lot of money to get the place back up and going again.
But getting the place back up and going again is our first course of action. In Ohio, we call this reclaiming the property. After the property has been reclaimed, we work to recover our money. At this time we don’t run to evictions court.
My recommendation is collection agencies. Hire one. The time and pain of the legal process is cut down this way. Collections agents are willing to work to get your money. I like going with local agencies rather than national agencies. I only hire one agent for one particular debt. You can’t spread it around or hire ten different agencies for one debt.
We pull the information together and have pictures of the damage for them. They now have proof.
Once you turn it over to a collection agency you will need to know that they will not want to go after it the first week. They want to wait 30 days to have the person get a residence somewhere. Once they’ve moved out of your place they are in limbo and tough to find.
If the collections agency waits 30 days, they have a better shot at finding them in their newly established residence.
After the 30 day mark, the agency will be aggressive-very aggressive. Because every day this collection gets older, it becomes harder to collect.
I learned this one the hard way. When I first started doing this, I had a renter move out. I made the rookie mistake of putting the collections on the back burner. I was going to decide a year later whether or not to go after them. When I made my decision, it was too late. No collections agency would go after something that old. I put it on the back burner and I got burned!
Collections shops want something that’s hot and active. They can be aggressive on that. It doesn’t matter whether the renter skipped in the middle of the night or was evicted. If it’s old news, the agents don’t want to touch it.
Often somebody who lives locally leaves your property and heads out of state to live with family in Kentucky. Maybe a local agency can’t chase in that state. But you’ll have agreements with whoever is collecting.
A lot of times its attorneys who are collecting and some of them will want 50 percent; some of them will want 30 percent. There’s always some snag. I really don’t care I just want somebody else to do it. When they collect, we pay.
The bottom line here is you get your money. This is business and it’s about the bottom line.
Posted by in Equifax on November 10, 2015
EQ and Compression Techniques For Drums in Mixing
Even though the drummer plays the entire kit as a single instrument, the miking of individual drums and cymbals can make for a very complicated mix scenario. The reason I reference country and rock music specifically has to do with the fact that in these genres the sounds of the individual drums and cymbals are not only singled out by individual microphones placed on each of them but also their sounds are exaggerated to create an even more dramatic effect.
Consider, for example, the tom fills in Phil Collins’ “In The Air Tonight.” By contrast, jazz drums are often treated as a more cohesive, unified sound and it’s not unusual to use a simple pair of overhead mics to capture the sound of the entire jazz drum kit.
In this article, I’m going to go drum by drum providing EQ and compression settings that will, hopefully, provide you with a jumping off point to getting great drum sounds in your mix. Because of its all-in-one mixing board channel approach, I’ll be using Metric Halo’s Channel Strip plug-in with its EQ, compression and noise-gate to illustrate my comments about various EQ and compression settings.
As the heartbeat of the contemporary drum kit, the kick drum sound we’ve grown accustomed to hearing is both boomy and round on the bottom and has a nice, bright click in the high mid range. It’s the balancing act between EQ and compression that gives the kick drum its ability to stand out in a mix. Beginning with EQ, the best way to accentuate the lows and highs is to remove some low-mids. I’m a big believer in cutting as opposed to boosting EQ to achieve a desired effect. As a result, I tend to pull somewhere between 2 to 4db at between 350hz-450hz. Then, after removing some of this low-mid mud from the sound, I can enhance the clicking sound of the beater hitting the head of the kick drum by boosting around 2db in the 2k-3k range. I’m providing approximate dB and frequency range settings because depending on the kick drum, mic placement and, of course the drummer, all of these settings will vary. Use these general ranges as a jumping off point and then trust your ears.
As far as compression settings go, the trick is to preserve the transient attack of the kick drum with a fast but not too fast attack time (9ms in this instance) and then a quick release (11ms) so the compressor is ready to respond to the next kick drum hit. The ratio I use is a relatively mild 2.5:1 and I adjust the threshold until I hear the kick sound I’m searching for. Finally, in order to give the kick drum sound some separation from the rest of the kit, I use a noise gate and adjust the threshold to allow the kick sound to come through while essentially muting the majority of the other drum/cymbal sounds. Also, while setting the attack to the Channel Strip’s fastest “auto” setting, I allow for a long (400ms) release.
This particular miking trick is one that can be used to bring great low-end presence to the kick drum. By way of explanation, a short stand holding essentially the woofer of a speaker is placed in front of the kick drum and picks up predominantly the low frequencies. When blended with the kick drum mic, the sub-kick generates great power in the lowest part of the frequency.
In order to accentuate the most important elements of the sub kick’s sound, I tend to use a low pass filter approach to my EQ that removes all frequencies above 500hz and drops off even more dramatically below 100hz. This is to make sure that only the essential parts of the sub kick’s sound come through. The sub kick should be felt more than it is heard. In terms of compression, a ratio of approximately 5:1, a relatively slow attack (120ms) and medium fast release (57ms) allow the sub kick’s tone to stay present and full underneath the sound of the kick drum’s regular miked sound. Then, I’ll use a noise gate with a fast attack (20ms) and slower release (200ms) to keep out any other kit sounds that might otherwise bleed into the sub kick sound.
Along with the kick drum, the snare drum is essential for driving a rhythm track. Poor EQ and compression techniques can leave it sounding thin, dull and generally uninspired. In order to accentuate the best parts of the snare sound with EQ, I’ll boost the low end of the snare by 2-3dB at around 80hz, cut 2-3dB between 350-450hz and then boost again, if necessary, for more high-end brightness, by 1-2dB at 5k. These three EQ points are a great place to start to sculpt an interesting snare sound.
Compression on a snare is a real balancing act where too much will take away the energy of the performance and too little will make it practically impossible to find an appropriate level for the snare in the mix. I use a ratio of 2.5:1 with a very quick attack (2ms) and release (11ms). If you’re finding that you’re losing the snap of the snare, slow your compressor’s attack a little but remember that slowing the attack too much will take the compressor too long to grab onto the sound and will leave the snare much less manageable in the mix.
Adjust the threshold settings until things sound right to your ear. This basically allows you to decide how much overall compression you’ll be applying. Don’t overdo it or the drum will lose its energy but don’t go too lightly or the snare won’t stand up in the mix. Gating the snare is a trial and error process as well. Depending on whether the snare approach in the song is aggressive or soft will have a lot to do with your threshold settings. Like on the kick drum, I use the very fast “auto” attack and a slower release on the gate in an attempt to keep out the ambient sounds of the cymbals, toms and kick.
While obviously a cymbal, the hi-hat is often used more as a rhythmic element than a tone color like some of the other cymbals in a drum kit. Making sure it has its own sonic space and speaks clearly without being too loud and distracting is what EQ and compression are about in this instance. For EQ, I’ll again use a shelving approach at around 200hz that will effectively clear out low-end information that is non-essential to the hi-hat sound. If I’m interested in bringing in a bit more high-end shimmer and sizzle, I’ll boost between 1-3dB between 6k and 8k again using my ears to tell me what’s working. In general, I tend to stay away from compression on the hi-hat as it tends to find is own dynamic range without too much additional help.
Low (Floor) Tom
A well-mixed set of toms can make all the difference between drum fills that are exciting and those that go by without catching the listener’s ear. Starting with the low tom, I tend to look for the places in the frequency range that bring out both the boom and the snap (similar to the way I approach the kick). In order to accentuate the low quality of this drum, I’ve found that a dramatic cut (12dB) at around 500hz allows the drum to speak clearly. Also, to add the high-end snap, a semi-aggressive boost of between 4-6dB at around 3k will do the trick. Compression also adds a lot to this equation. A ratio of around 4.5:1, a slower attack of 120ms and medium slow release of around 90ms will help the sound remain full and resonant. For the threshold, I simply adjust until the tom rings properly. Gating is another major factor for toms as the large diaphragm mics placed on these drums tend to pick up a lot of the extraneous sounds from the rest of the kit.
I set the gate with the quickest “auto” attack and a slow 400ms release and then adjust the threshold until I’m hearing only the low tom come through when it’s hit. For the “tweak heads” among us there’s a slightly more accurate and labor-intensive way to do this. By going into the actual sound files in your DAW and deleting all but the tom hits themselves, you can create a perfectly gated tom track.
High (Rack) Tom
Like the low tom, the high tom has it’s own frequencies that should be cut/accentuated to bring out the sweetest parts of the sound. For EQ, I’ll do another big cut of around 10dB at 600hz and I’ll make a similarly big boost of around 7dB at approximately 2k. For compression, I use a slightly more aggressive 6:1 ratio slower attack (100ms) and a quick release (25ms). As with the low tom, I’ll gate the high tom using the identical gate attack (fastest “auto”) and release (400ms). The key to the threshold is to adjust it until only the high tom punches through keeping the channel essentially muted for the rest of the time. A final note on the toms, as all tom sizes, tunings and even drummers are different, you’ll need to play with these settings until you find the sweet spots.
Overheads / Room Mics
Given that we’ve made a real effort to isolate and enhance each of the individual drums in the kit, overhead mics serve the dual purpose of capturing the cymbals and integrating the blended sound of the kit back into the sound of the drums. I pay attention to three specific EQ points in order to give the overhead mics a clean, balanced tone. First I’ll use a high pass filter (shelving EQ) at the very low frequency of 40hz to clean up any unnecessary sub-sonic rumbling. Then I’ll pull around 5dB at between 100 and 200hz to prevent any low-mid buildup. Finally, if necessary, I’ll enhance the overall brightness of the cymbals/kit with a small 1-2dB boost at around 5k. For compression, I’ll set the ratio at about 3:1, the attack at around 110ms and the release at a slightly quicker 70ms. The threshold should be adjusted to make sure that the overhead/room sound blends with the overall kit mix. Finally, adjust the volume of the overhead mics in the mix until you pick up just enough of the room to put some air and depth back into the kit.
Limiting the Sub Mix
A final trick to add punch to the overall drum kit is to send all of the individual tracks to a stereo sub mix and place a limiter like the Waves L1 on that stereo auxiliary track. By adjusting the threshold until the attenuation is between 5-7dB, you’ll find that the kit has a really satisfying overall punch and presence.
While I’ve been painfully specific about EQ, compression and gate settings, it’s important to remember that every mix situation is different. Use all of these settings as a jumping off point and then use your ears to tweak the sounds until you’re happy. Good luck!
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Posted by in Free Credit Report on November 10, 2015
Car Dealers That Deal With People With Repossessions on Their Credit Report
When looking to obtain auto financing when you have bad credit, every possession can be a serious mark against you. It does not mean the you can get financing, it just means that there needs to be a few criteria relating to the repossessions in order to get the best financing opportunity. You have probably found out, if you’ve shopped locally at a dealer or two that most dealerships are going to tell you that there’s nothing that they can do for you. That’s very common, however there are really good sources that can give you a car loan even with a past repossession.
The first criteria that needs to be met is that the repossessions needs to be at least 12 months ago. This is something they can become debatable, because the actual date of the repossessions is not going to really show on your credit report. So it helps out if you remember the repossessions as old as possible. I’m not telling you to be deceitful or to be dishonest, I’m just telling you that you should really figure out exactly when that repossession happened. Sometimes we get timelines confused in our heads and if we really think back, we may find that things are better for us than we thought, in this regard.
If you repossession was a part of a bankruptcy, then the 12 month rule does not apply. Repossessions that are a part of the bankruptcy are totally different in the eyes of lenders. Now, you’re bankruptcy has to be over with. You can’t have a current bankruptcy that is not completely discharged or dismissed by the court and expect to get car loan. That’s just not going to happen and in fact, you really cannot obtain any credit at all, so long as a bankruptcy is still open and is not over with.
Other than that, you just need to know where to go. There are some fantastic opportunities available online that are most likely not available in your local area. You may be pleasantly surprised to discover exactly what you may be able to qualify for very quickly.
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