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yourfanat wrote: I am using another tool for Oracle developers - dbForge Studio for Oracle. This IDE has lots of usefull features, among them: oracle designer, code competion and formatter, query builder, debugger, profiler, erxport/import, reports and many others. The latest version supports Oracle 12C. More information here.
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Parents Prevent Children from Developing Credit Histories: Asda Money Offers Quick Tips for Boosting Your Credit Record
A growing number of parents who are helping their children financially are preventing them from developing their own credit reports, Asda Money reveals.

LEEDS, UNITED KINGDOM -- (Marketwire) -- 11/17/12 -- Grown up children in need of a bit of money often turn to the bank of mum and dad for support, however, this could put them at a disadvantage in the long term as they fail to build up viable credit histories.

The list of financial responsibilities that parents take on for their children has continued to grow as the economy worsens. A number of individuals in their 20s and 30s are allowing their parents to pay for their phone bills, loans and credit cards: in some cases even mortgages are in the parent's name(i).

New research from Noddle (a credit report organisation)(ii) found that there are an estimated 7 million credit virgins who have never taken on any form of credit. This could make it difficult for them to apply for loans, mortgages and credit cards in the future.

A survey found that 40% of Brits in their 20s had no credit record, 18% of those in their 30s and a fifth (22%) of adults in their 40s also don't have credit records.

Two thirds of parents (63%) give their adult children financial support: handing over an average of GBP 3,632 in the last 12 months. A further one in 10 say they make monthly payments totalling GBP 240 to cover everyday living costs for their grown up children.

Credit companies often rely on credit reports to identify how risky or reliable a potential customer could be. Credit records are often looked at when someone is applying for a large financial product such as credit card, personal loan or mortgage.

Without any record at all in place, it can be difficult for lenders to paint a picture of the customer's financial habits.

Asda Money offers these three top tips on how to boost your credit record:

1. Register on the Electoral Roll. Lenders use this to see you are who you say you are and as a precaution against fraud.

2. Pay your bills on time - this will show that you are able to commit to a financial product and are credit worthy.

3. Build a credit history: no history of borrowing leaves lenders with no idea how you manage your repayments. Cashback credit cards could be a good place to start.

Notes to editors

(i)As reported in http://www.guardian.co.uk/money/2012/may/18/credit-virgins-struggle-build-borrowing-history?newsfeed=true

(ii)Research from Noddle https://www.noddle.co.uk

About Asda Money Credit Card


--  1% cashback on Asda shopping 
--  1% cashback at Asda filling stations 
--  0.5% cashback on all other spend using this card 
--  0% balance transfers for 12 months(i) 

Representative example:


Standard Purchases: 14.9% p.a. variable.                                    
Representative APR: 14.9% variable.                                         
Total amount of credit: GBP 1200.                                           
This is for illustrative purposes only and actual total amount of credit may
differ.                                                                     

(i)Balance Transfer Terms and Conditions: Balance Transfer fee of 2.9% (minimum fee GBP 3 per transaction) will be charged in respect of each Balance Transfer. Subject to account status. Account Terms and Conditions apply. You can Balance Transfer up to 80% of the available credit limit within the first 90 days of account opening. Balance Transfers from existing storecard accounts and loans issued by Creation Financial Services Ltd or Creation Consumer Finance Ltd and credit card accounts issued by Sygma Bank UK are not permitted. Minimum value for Balance Transfer is GBP 50. At the end of the promotional period you will be charged the Standard Rates of Interest in accordance to your Account.

Asda Money is a trading name of Asda Stores Limited. Asda Stores Limited uses a selection of companies to provide its products and services. Please refer to www.ASDA.com/money for details of our product partners and the relevant terms and conditions for each of our products and services.

Subject to status. Applicants must be aged 18 or over and UK resident (including Isle of Man and Channel Islands). The Asda Money Credit Card is issued by Sygma Bank UK, a Creation Group company, Chadwick House, Blenheim Court, Solihull B91 2AA.

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paul.stevens@latitudegroup.com

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