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Who's The Father? DNA Paternity Testing

Written by: Tan Bing Song There is an urban legend that over thirty percent of all children are not born of their appointed father; instead, they are the products of adultery. Because of this long-standing myth, the idea of a paternity test has been a persistent one in the minds of the public. Here, we will explain what a paternity test actually is and answer questions on how it works to prove who fathered the child. Why A Paternity Test: Some question why this test is called a 'paternity'. The answer is quite simple: unless the mother was impregnated through an egg donation, it's obvious that she is the mother. The father, however, can be anyone--that is why children are tested against his DNA and not hers. How Does A Paternity Test Work: Though there are other methods, DNA testing is the easiest--and most effective--way to test a child for paternity. DNA is unique for each individual but, when sexual reproduction occurs, an embryo is created. That embryo is f...
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Tan Bing Song - 4 Top Tips On Credit Card Consolidation

Written by: Tan Bing Song Credit card debt isn't any fun, and the more you have the worse it is. One method a lot of people turn to is consolidation. This is where you combine all of your debts into a single debt, with a single payment. This single payment can be significantly lower than the total amount you were previously paying. However, credit card consolidation isn't right for everybody, and there are a few things you should know. With that in mind here are some tips to help you consolidate more effectively.  Tip #1: Read any terms of service carefully, and be sure that you understand them. This tip applies to those who will consolidate by themselves through moving higher interest balances to a single card or two with lower interest rates.  You need to know if there are any fees for balance transfers, how long the lower rate will last, how much of the transferred balance falls under the low rate, and so on. All of these things can have a major impact on how much yo...
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Tan Bing Song - Credit Repair Secrets That May Be Helpful

Written by: Tan Bing Song It can be quite beneficial to know a few credit repair secrets when your credit score is lower than you would like. A lot of hucksters will promise to fix your credit for you, but they are limited to how much they can really do on your behalf. That doesn't mean you have to just let your score stay low, though. With that in mind, here are some things you can do to start bringing your score back up. 1. Get a copy of all three of your credit reports. If you live in the US you are--by law--allowed to get one free copy of your credit report each year. What you may not know is that there are three major credit reporting agencies (Experian, TransUnion and Equifax) and you should get a copy of each one. That's because not all creditors use the same agency, so you need to get all three to get the full picture of where your credit stands. Remember, you can get a new copy once per year, so do it every year to stay up-to-date. 2. Look for mistakes. Let...
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