Larger banks and even some credit unions offer their own credit cards to customers. Consider starting at one of these institutions. They will be able to give you sound advice and explain important details like fees, credit limits, and interest rates and help you choose the right card. Bank credit cards are usually reserved for established customers. You'll need an account. Having a checking account at the bank can help, in particular. If you are a long-time customer, the bank may ask you first about a credit card. As banks seek to diversify, they are trying to build up credit card portfolios and entice customers with good introductory interest rates and extra rewards. Another benefit of having a bank credit card is that you may be able to link the card to your normal accounts, making payments easier to manage. Most banks offer several different cards. The best one for you will depend on your financial situation, spending habits, and credit score. Sit down with a banker. She will be able to discuss your options and advise you on the most fitting choice. Ask questions and listen for important details. You'll want to be clear about each card's profile. What is the yearly interest rate (APR)? Is there an annual fee for holding the card? How much is the credit line? What is the minimum payment you can make toward outstanding balances? Make sure to know if the card's APR is "introductory" or "fixed." Lenders will often offer a low introductory rate to attract customers, which will then go up after a period of months or years. Ask about rewards. Some credit cards will earn you air miles with each purchase. Some offer cash back or points that you can redeem for merchandise. Weigh what options you have. Non-profit financial institutions like credit unions often offer lower APRs and lower penalty rates on credit cards. You will probably have to be a member of the credit union to qualify, however. If you are new to credit, or if the bank cannot offer you a regular credit card, ask about getting a "secure credit card." Secure cards are used to build up trust and a good credit history. They can help you get a foot in the door and eventually qualify for an unsecured account. Secure cards require collateral. This means that you will have to give the bank a deposit for your credit line ($500 for a $500 credit line, for example, or $1000 for a $1000 line). Secure cards work like normal credit cards. Your deposit won't count toward payments, but is just there for security. Your bank will periodically review your account. If you pay on time, they may eventually offer you a normal credit card with a larger line of credit. Be aware that your bank keeps a close eye on secured card accounts. You'll have to make all of your monthly payments, or the bank may be able to keep your deposit. After talking with a representative of your bank or credit union, you will be asked to fill out an application. Take this application seriously and answer all the questions honestly. Lying about your information is fraud and against the law. You will have to provide personal information, but also details on your citizenship, employment, and finances. Be prepared to answer questions about your annual income but also the monthly cost of your housing and how much you have in "liquid assets," i.e. how much money you have in cash, savings or checking accounts, or certificates of deposit. Submit the application and wait for your bank's decision. This may take a couple of weeks. If approved, they will usually send the card in the mail. You'll have to activate the card before using it. Activation is easy and only takes a few minutes. Just follow the instructions that come with the new credit card.

Summary: Inquire at a bank or credit union. Make an appointment with a banker. Consider a secure card. Apply for the card.

Or, use leftover grounds from the morning's cup. Add a tablespoon of water. Mix together well. Use a circular motion. Pat the skin dry.

Summary: Grind up some coffee. Take a tablespoon of coffee. Apply the coffee ground mix to your face. Rinse off.

In Word 2003, select "Bookmark" from the Insert menu. In Word 2007 and 2010, select "Bookmark" from the Links group on the Insert menu ribbon. " options. Select "Name" to sort the bookmarks alphabetically by name or "Location" to sort them by their location in the document. To display hidden bookmarks in the list, check the "Hidden bookmarks" box.

Summary: Display the Bookmark dialog box. Choose one of the "Sort by: Select the bookmark you want to go to. Click the "Go To" button.

overhanging your home so squirrels can't get to your roof. Check the area around your roof for branches that allow easy access to your roof. Then, use a chainsaw to remove the branches, effectively cutting off access to your attic. Squirrels will use tree branches as a bridge to your attic. They may even live in the tree most of the time but venture into your attic for nesting supplies or comfort during bad weather. If you aren't experienced in cutting tree branches, hire a professional to do it. Not only could you get injured, you could also accidentally cause damage to your roof. Check both the exterior and interior of your home for visible holes. Then, use animal-resistant patches to cover the holes, which will prevent the squirrels from coming through them. If you're not sure how to repair the holes, hire a general contractor to do it for you. They'll also be able to double check that every hole is covered. Ask around for a referral to a good general contractor, or conduct an online search to find one in your area. Secure the mesh screen by screwing it down. This prevents the squirrels from entering your attic through the vents. These screens will not interfere with the effectiveness of your vents. A general contractor can also help you install the mesh screens, if you're having trouble doing it yourself. Use a combination of mesh screens, plaster, and caulk to over any gaps around your wiring or plumbing fixtures. This helps reduce the risk of the squirrels squeezing though the holes or gnawing around the gaps to make them bigger. Since squirrels are rodents, they can squeeze through very small holes. Additionally, they can gnaw around an existing hole to make it larger. As with the other repair jobs, you may want to hire a general contractor to take care of this for you. Measure the perimeter of the top of your chimney, called the crown, as well as the size of your flue. Purchase a chimney cap or mesh screen that is larger than the flue but smaller than the crown. Clean the top of your chimney to remove any debris, then fit the chimney cap or mesh over the hole, making sure there are no gaps around it. Use a drill to screw the chimney cap or mesh screen in place. This allows the smoke to escape your chimney but prevents squirrels from using your chimney as an entrance to your home. Make sure you don't leave debris around the chimney, as this could become a fire hazard. Clean your chimney cap or mesh screen every few months during use, as well as before winter arrives. Soot buildup can cause damage or may become a hazard. If you live in the UK,there are rules and regulations for how chimney caps are installed. Once it's in place, a building inspector will need to check your chimney cap to make sure it's installed correctly. For this reason, it's best to hire a professional to do it. Make a funnel out of wire mesh or a thin sheet of metal, then position the large end of the funnel over the final exit hole on the outside of your home. The narrow end of the tunnel should point toward the outside of your home. This allows the squirrels to go outside to find food or water but prevents them from re-entering your home. Ideally, the large end of your funnel should have a diameter of around 12 to 15 inches (30 to 38cm). The small end should slightly smaller than the hole the squirrel is using to enter and exit your home. Make the the length of your tunnel about 12 inches (30cm) long. Put a handful of peanuts, some peanut butter, crackers, or apple slices at the end of the tunnel or just outside of it. This will entice the squirrel to make its exit quickly. You don't need to use bait, as the squirrel will eventually leave to collect more food. However, using bait can encourage the squirrel to leave your home sooner.
Summary: Cut tree branches Repair any holes in the exterior of your home. Cover air intake and exhaust vents with a mesh screen. Apply seals around electrical wiring and plumbing fixtures so squirrels can't enter. Put a chimney cap or wire mesh over your chimney. Create a one-way exit hole if you think squirrels remain. Bait the end of the tunnel if you want to speed up the process.