Ania Blog: January 2008

Tuesday, January 29, 2008

Why One Should Apply Online Free For A Credit Card

Different technological advances have allowed individuals to lead more effective, efficient and convenient lives. This is also true when it comes to the simple act of applying for a credit card. While an individual used to have to either receive a letter direct from the credit card company, complete with a form which they could mail back to the company in order to learn whether or not they would be approved for the card, or go to a store in order to fill out the paper work there and have it processed at that store location, individuals are not able to apply online free for a credit card. There are a number of different reasons as to how this is much more beneficial than the processes that were previously available to people when it came to the credit card application process.

First of all, one is allowed a number of options as to companies they can consider when an individual opts to apply online for a credit card. No longer is a person limited to the credit cards that they are able to receive forms from. They are not limited to companies that specifically target them; instead the individual can easily research different companies and decide which credit card would be best for them and that which would be able to meet their own personalized needs and demands when it comes to having a credit card. It is even possible to do a side by side comparison of different credit cards and the companies that are associated with them. Some websites will also categories cards based on different characteristics, such as those for individuals with bad credit, people that need a travel rewards program or those that are looking to apply online free for a credit card that has a cash back program. When one opts to apply online free for a credit card that do not have anything to risk.

Another benefit of opting to apply online free for a credit card is that the individual is able to save a great deal of time when it comes to the application process and the response to their application. They can spend a few minutes on the application, and then instead of waiting days or weeks for a response, as was the case with mail in forms, the individual can often learn the results of their application within a number of minutes or seconds. Even if the company needs more time to process the individual, they are still able to save time in that they do not need to mail in their response, which can tack on several days to the process when it comes to time elapsed.

This makes the online application process much better of an option for people that are looking for an immediate response to their inquiries. This type of application process allows an individual to not only apply online free for a credit card, but it also allows the individual to immediately be aware of what their status is when it comes to a credit card. If they are declined, the individual is immediately made aware of this, and if they need to they can find a credit card that is more accommodating to their particular needs and qualifications. As a result, more people are able to enjoy having and utilizing a credit card in order to help with the purchase of goods and services that they may otherwise not be able to afford having to pay the entirety of the cost up front.

Mario Churchill is a freelance author and has written over 200 articles on various subjects. For more information checkout http://www.better-credit-cards.com and http://www.creditrequests.com.Audre Blog80301
Alica Blog67319

Lawsuit Loan Helps Families Get Back On Their Feet

Though many people have gone through the process of a lawsuit, most arent aware that applying for a lawsuit loan, or cash advance on the lawsuit, can help get them through the hard times!

Imagine this scenario; youve had an exhaustive day at work, and your family waits for you at home. Youre stopped at a red light and an eighteen-wheeler rear-ends your car. Youre injured, rushed to the hospital, and out of work for months. Your attorney files a lawsuit against the trucking company and promises you have a good caseyou just need to be patient.

But what happens if you cant? As the sole bread winner, your bills are piling up, the credit card is at its limit, the mortgage payment is due, and Christmas is right around the corner. You need money immediately. Thats where a lawsuit loan can help. A lawsuit loan is structured for people who cant afford to wait for the defendants insurance company to settle.

Insurance companies are in business to make money and bank on the fact that desperate plaintiffs will settle early. That is why a lawsuit loan is a critical solution to those in need. Better yet, the concept of the lawsuit loan is gaining ground and acceptance with attorneys.

If you have youve been in an accident, were a victim of a slip and fall, filed a workers compensation claim, or were injured by a faulty product, chances are you have an attorney working hard to settle your lawsuit. Dont waita lawsuit loan can be your salvation.

For more information visit http://www.OasisLegal.com.

With a strong creative writing background, Lisa Colangelo has spent years in the marketing department at Oasis Legal Finance. Through writing press releases, articles, newsletters, web site copy and other creative pieces, Lisa continues to inform the corporate and private sector about the benefits and importance of litigation financing.Albertine Blog69021
Ardra Blog66532

Running A Home Business & Working Full Time Outside Your Home

Very few people will claim they are bringing enough money home to meet all their needs and wants. Several will begin a home business to supplement their income while remaining at the full time job outside. This can take a toll on the personal life as well as the health of just about anyone running a home business and working full time outside the home.

One of the first considerations should be whether or not the home business in conflict with the full time job as many employers will not tolerate competition from one of their employees. For example, a person working in a retail environment in nearly any capacity may find themselves in conflict with company policies if they begin an online retail outlet. Or someone working for a carpet cleaning company starting a home business offering cleaning services part time as a home business. Being in conflict often forces the employee to make a choice of keeping their full time job or finding work elsewhere.

There are many home business opportunities available that will not conflict with outside work environments, but the time involved in operating the home business will need to examined to determine if it can be done effectively while working full time. The business operator will only have limited availability as well as time to spend on the business and the time needed to run the business will have to be reallocated from another part of the day.

A person with a family will need to know that any time needed to run the home business will have to come from time usually used for family functions or just spending time with the wife and kids. The full time employer will not tolerate someone spending time on their home business while being paid so dividing the time between work, running the business and family may or may not be worth the extra income from a home business.

In some cases, there are home business opportunities that require little time and enable it to be run at the convenience of the owner. With these jobs time can be arranged in which to run the business without losing time with family and friends, although sacrificing sleep or relaxation time may be necessary. Overall, there will be some sacrifice of time and personal involvement when running a business and working full time outside the home.

Time management will be essential in creating work-life balance as well as remaining organized so as not to allow important aspects of work, home business operation and family slip through the cracks. A single schedule guiding the commitments for all obligations will be needed in order to accomplish everything that needs done and to stay ahead of the work.

Michael LaleyeArabel Blog35908
Avrit Blog80602

The UK Digital Photo Book Comparison

Everyone used to print pictures from films/negatives to stick them into an album, sharing it with friends or for simply preserving memories. With the marriage of digital photography and digital publishing technology, everything changed and the ability to publish photographs in a coffee table style book (subsidy or vanity publishing in legal terms) is now in reach of everyone with a digital camera, a computer and Internet access.

While the technology for online photo sharing and online documents progresses, preparing a real photo book with potentially hundreds of print resolution images and lines of text is better done offline. Photo book software is then able to optimize the files and the upload communication. Many photo book printing services are appearing in the UK; a comparison of two of the most compelling digital photo book contenders here:

FotoInsight at http://fotoinsight.co.uk/book

Support telephone 08700 114911

Book dimensions, WxH, inches

* Booklet small 5.5 x 5.1
* Booklet square 8.2 x 8.2
* Booklet large 8 x 10.6
* Soft cover square 8.2 x 8.2
* Soft cover large 8.2 x 11
* Linen square 8.2 x 8.2
* Linen large 8.2 x 11.8
* Hardcover square 8.2 x 8.2
* Hardcover large 8.2 x 11.8

Up to, number of pages
26 pages booklet to 98 pages book

Additional pages in steps of 8 pages

Book creation: CeWe Photo book software

Delivery time
State within a week
Hardcover took eight days
Linen and soft cover took five days

Pros FotoInsight
+ Top print quality
+ sharp, easy to read texts
+ 64 different formats (covers, shapes and sizes)
+ free layout or quick assistant option (photo book in 3 minutes)
+ All images are copied into a separate project folder, convenient for batch processing.
+ Ideal for presents: ships to 32 European countries using a separate delivery address with no extra cost

Cons
- No rulers or aid for exact positioning of images
- No Mac Version
- Maximum 98 pages

Overall

Very easy to use and order. Completely flexible lay-out caters for everyone, from novice users to professional photographers (unless they want to use a Mac). Very competitively priced, reasonable delivery.

--- VERSUS ---

printing-1 at http://www.printing-1.co.uk
Support telephone: none

Book dimensions, WxH, inches
* Pocket: 5.8 x 4.1
* Compact 8 x 5.9
* Original 7.3 x 7.3
* Classic 8 x 10.6

Up to, number of pages
12 pages pocket booklet to 144 pages book

Additional pages in steps of 12 or 24 pages

Book creation: MyPhotobook software

Delivery time
State approximately 12 working days
Took between eleven and 14 days.

Pros printing-1
+ paper feels strong, good touch
+ Easy to use templates
+ Large books with up to 144 pages
+ outstanding, strong bound
+ Option for matt or glossy
+ online photo book sharing with direct print ordering
+ Also offer a MacOS version
+ Ideal for presents: ship to different countries, including the USA

Cons
- Layout editing is not completely flexible
- Cant save different versions
- Cover editing limited
- high price for small orders

Overall

Template based layouts allow for changes within limits. Strong bound should make the books last forever. The independent option for the Mac user. Sharing the photo book online and allowing others to order makes this the option for family events and Weddings.

Hints

Unlike computer prints photobooks will last for many generations. A photo book of family events or a holiday presents a personal memorybook. While the Assistant Option in the CeWe Photo Book Software provided by FotoInsight can actually lay-out a photo book in less than the three minutes promised, taking more time, going back through the pages, adding some text and personal hints is highly recommended.

Less is More

Especially when images from several sources are being used (from friends cameras, mobile phones etc) it can be helpful to copy the image selection into a separate folder. Less is more applies for digital photo books, too. So skip poor or uninteresting images, as they will bore the spectator in a few years time. You may prepare some pages with many smaller images in scrapbook style and other pages with very few or even just a single image spreading over a double page, giving the reader a rest. Remember that preparing a coffee table style photo book is in now way different from publishing a book, which requires some proof reading, too.

Image editing

Avoid using hundreds of high-resolution images in one book as the computer might struggle with processing many large images. 200 ppi (in the corresponding format) is enough, it is not necessary to use jpegs larger than 1.5 MB, for most photos half a megabyte jpeg will do. Prepare entire pages as jpegs in Photoshop or other advanced editing packages to import these as a full page (page background) into the photo book.

Which service to use

Both services use software which needs to be downloaded and installed. This allows preparing the photo book offline in several sessions and optimizing the finished lay-out before uploading it for printing. Users who only want to make small books and are not comfortable with installing software may have a look at iPhoto, Snapfish or Kodak which offer a web browser based service. This however can not be recommended for larger, more elaborate books. The free software applications provided by the photo book printing services compared above use a different approach each and preference may depend on circumstances (e.g. Mac) and objectives (e.g. flexible lay-out, online sharing, time). Both FotoInsight as well as Printing-1 provide well printed and very enjoyable photo books.

Catalina Martinez is a mother of two children and has lived and worked in Mexico, Germany, Denmark and the UK. She frequently writes about software start-ups, the internet society, photography and digital art.Anette Blog31992
Alyce Blog56982

Want Quick Cash? Payday Loans Can Get You Fast and Instant Fund

Are you in urgent need of cash? Forget borrowing from your friends and relatives. With fast payday loans, you can easily meet your urgent cash need.

Fast payday loans are short term loans that are offered to fulfill your urgent requirements. You might face emergencies like paying medical bill, electricity or educational bill, car repairing etc. You usually cannot afford to pay for these urgencies with your monthly income as it may hamper your entire monthly expenses. Fast payday loans thus provide a great respite in this situation by giving you loan in a very short time.

You cannot expect to get a fast payday loan by visiting lenders and asking them for loan quotes. Fast payday loans are ready to avail loans that are available online. The internet is jam-packed with a vast amount of lenders. All you need to do is to choose the best lender among them which you think is suiting your financial conditions. Once you select the lender, you will be asked to fill an online application form in which you will have to put your employment details, residential proof, identity proof etc. Apart from that, in order to get a fast payday loan, you need to fulfill certain conditions. First of all you should be a UK citizen with above 18 years of age. You should also be a full-time employee of a company. You are also required to have a bank account as the loan money will be transferred to this account only and also the matured amount will be withdrawn automatically at the end of the loan term by the lender.

Fast payday loans are made available to you for a short period of time and thus there is no question of putting collateral against the loan. Still, the lender wants to be assured about his money. So, he will ask you for a post dated check signed in advance and will keep it as a security against the loan amount. When the term gets over, he deposits that check in your account and gets back the money.

Fast payday loans are available for immense number of purposes. Because of the rapidity that these loans provide, you are mostly not asked about the purpose of loan. You can avail the money to fulfill any kind of emergency.

You can avail fast payday loans regardless of your financial situation. That means you can avail these loans despite having a bad credit history.

Fast payday loans are the answer to your instant cash need. With this loan you can fill the cash gaps that occur day to day and help you to lead a stress-free life.

Gary Grobowski is working as financial consultant for Quick Payday loans. He holds a masters degree in Finance. To find Fast payday loans, Quick payday loans UK, Cheap payday loans, Cheap payday loans UK, Instant payday loans visit http://www.quick-payday-loans.co.uk Alana Blog59006
Adelind Blog23741

Want Quick Cash? Payday Loans Can Get You Fast and Instant Fund

How To Pay Your Bills On Time

In our daily lives we incur bills that we must pay. It is important to pay our bills on time so our credit remains good with each supplier. Hopefully you don't have very many bills to pay. However some of us find it hard to keep things sorted out bill-wise.

Over a period of time I have developed a simply system to control the payment of my bills. It just might make it easier for you to pay your bills on time. Here is my system.

Most employees get paid bi-weekly. If you are paid other than bi-weekly you will need to made minor adjustment to my system.

Before you start make sure you have some paper and a pencil with eraser (You may need to make changes later.) on hand.

Write down at the top of the first page as your starting date the date of your next payday. Add 13 days to your starting date. Your new date will be your ending date. Record this date below your starting date. You now have a 14 day period (equivalent to a bi-weekly pay period

Collect up all bills that come due during the latter dates. Take one bill at a time. On the left put the date each bill is due, In the center of the page (and in line with the due date) write the payee's name. To the right (and in line with the payee's name) write the minimum payment amount due. Do the same thing for each bill that follows within this pay period (place the information below the previous entry). At the bottom of the page add up all the amounts due for one grand total. This will be how much monies you will need to pay the due bills within that time frame.

I do the latter for each of my pay periods. I find that I don't get mixed up on what needs paying and when it needs paying. When each payday comes, either on the payday or the following day I make it a point to take a half hour to pay my due bills using the current chart as a guide.

Personally I pay most of my bills by cheque sent by mail to the payee. I only use automatic transfer of monies from my bank account to the payee's account when I pay my ultility bills, e.g. Power and Telephone. You will need in each case to allow 7 to 10 days for your payee to receive their monies. When I send a cheque by mail I always postdate it for the day before the due date. This is an extra precaution to make sure my bill is paid prior to my due date.

Here are some things to consider.

On some occasions it will be necessary to move a bill from one period to an earlier period. Why, you might ask! You need to determine how much money you have each period to pay your bills (after necessary living expenses are deducted from your paycheck amount). You may be able to pay more than the minimum payment on a bill. If you can then change the figures on your chart. Each one of your Pay Period BIll Payment Schedules should equal the monies you have available to pay bills during that time frame. Then all you need to do is follow each schedule to pay your bills on time.

One more bit of advice, have your charts made up ahead of time and review them often. Make changes when necessary. This will prevent any future problems.

I hope this guide will assist you in maintaining on time payments of your personal bills. These procedures help me keep organized bill payment wise. If you have any questions on this subject you may drop me a line by sending an email to william-turvey@mail.com.

William Turvey has been on the Internet for the past 10 years. He enjoys helping people improve their life. William has two websites, one at http://www.seeglobalsuccess.com and the other website at http://www.badhabitscanbebroken.com. You can subscribe to William's FREE 12 email mini-course "Where Does One Start?" (about self-improvement and success) by visiting his sign up page at: http://www.seeglobalsuccess.net/subscribe.htm.Angele Blog37115
Arlinda Blog80560

National Wrestling Hall Of Fame And Museum In Oklahoma City, Oklahoma - A Great Vacation And Travel Destination

All you wrestling fans out there who aren't quite sure what to do for their next vacation should plan a visit to Oklahoma City. That's because the National Wrestling Hall of Fame and Museum is located in Oklahoma City and it is a must see for anyone who enjoys wrestling. Here you will learn about wrestling's past, its present, and the plans for the future.

It is such an educational trip not to mention enjoyable that individuals who aren't that big on wrestling will probably even enjoy it. There really is a lot to learn because the sport of wrestling did not begin with the WWF - WWE. Instead, the sport had a much more modest beginning and the museum celebrates this as well as all the leaps and bounds the sport has made in popularity since.

When you head to the museum make sure you plan on arriving Monday through Friday 9 am until 4:30 pm or else by appointment on the weekends. Within the Museum you will see the Paul K. Scott Museum of Wrestling History, the John T. Vaughan Hall of Honors, Gable/Smith Room, FILA International Hall of Fame, William S. Heins Jr. Library, Cliff Keen Theater, as well as others. You will learn so much about wrestling that you never knew before when you visit the National Wrestling Hall of Fame.

When you visit Oklahoma City you will also find many other things to enjoy. You can play golf, go shopping, enjoy seeing professional sports games, and even more. Oklahoma City is the most populous city in the state of Oklahoma so there are lots of things for tourists to do and see here. You will love the National Wrestling Hall of Fame and Museum as well as everything else there is to see and do.

There is a website that has great information on USA Vacations and Unique Travel Spots Listed State By State and Season, the website is called: Seasonal Vacation Spots, and can be found at this url:

http://www.seasonalvacationspots.com

By Robert W. Benjamin

Copyright © 2007

You may publish this article in your ezine, newsletter, or on your web site as long as it is reprinted in its entirety and without modification except for formatting needs or grammar corrections.

Robert W. Benjamin has been in the software business on the internet for over 6 years, and has been producing low-cost software for the past 25+ years. He first released products on the AMIGA and C64 computer systems in the late 1970's-80's.Ariel Blog53968
Alla Blog78343

How To Save Money On Professional Teeth Whitening

Have you been considering getting your teeth professionally whitened? This is become more and more common recently with major advances being done in the area of teeth whitening by dentists.

Did you know that you can have your teeth whitened at home also? You can buy a home a teeth whitening kit at most any major department store such as Wal-Mart, K-mart, etc. many people want to know which works better, the home teeth whitening kit or having your teeth whitened at the dentist?

I can tell you right now that the general consensus is that the dentist wins hands down. Have you ever heard the old saying, "you get what you pay for"? Well, that's exactly right. There's nothing wrong with a home teeth whitening kits, they just don't work as well as having your teeth done by a professional.

One way that you might be able save a few dollars by getting professional teeth whitening done is by becoming a member of a dental discount plan. Dental discount plans, also known as discount dental plans, or simply a savings plan that enables you to save 10 to 60% off of everyday dental procedures by being a part of their network. Not all plans cover cosmetic dentistry, such as teeth whitening, however, those that do can save you a substantial amount of money, normally much more than what you would pay for the plan on an annual basis.

The cost of these plans starts at about $80 annually for an individual and around $150 annually for entire family. These costs cover most standard dental procedures and will allow you and your family to save on every visit that you have two the dentist, both minor and major procedures, for the next entire year. If you've been considering getting your teeth professionally whitened, or having any other dental procedure done in the near future, I highly recommend that you get more information about dental discount plans.

Joe Stewart is a former health insurance agent that now helps others by providing expert information. Watch the new video "Discount Dental Plans vs Dental Insurance" by visiting http://www.Discount-Dental.net right now!Audie Blog4725
Alane Blog63085

Save Boat Loads Of Cash Buying Used Books

Some of us have been buying used books before the idea caught on with people. Prior to this, buying used books was considered to the option for indigent people.

Buying used books was only common among college students and book lovers, who realized that visiting used book shops not only provide the opportunity to save money, but will also results in a pleasant buying used books experience.

Over the years, buying used books has become more difficult and to be candid more frustrating, because the big chain bookstores are muscling the small autonomous ones out of business. Thus, buying used books has suddenly become in one part a challenge, and in the another part an almost pleasant task...as used books as well as new ones can now be purchased online.

This is good news to me though, because buying used books not only saves time, money, but also saves reclusive people like me, social interaction with annoying characters out there.

My recent experience in a bookstore clearly drives this point home. Many stores are now frequented by people who just laze around and just peek through books and magazines they probably will not buy, but will only stain and wrinkled with their greedy paws. These stores are now places where people hang out and impede genuine shoppers with integrity from gaining access.

This has made physical store very repulsive to me, as I now buy my used books online. The advantage inherent in this is twofold. Online bookstores offer the same service like physical stores, and they also stock very rare titles of used books. And to aid you in getting the best service about buying used books online, below are some list some premium websites:

Powells.com is one of the largest bookstores around. The actual office in Oregon is a city block long and stories high. This store is very big and stocks millions of books.

When you are looking for a title, Ebay.com is a good place to look for such book. You can use the search engine at EBay or check out good online bookstores where it takes book vendors as far away as the U.K a few days to ship orders from consumers. GreenAppleBooks.com is a perfect antidote to the nightmare physical store I described above, as it is an affordable online bookstore for both new and used books.

Word-power.co.uk/about_us is another online bookstore worth checking out. It is entirely independent, and receives no state or funding from the state.

Benny Carlson - http://bookz-zone.com http://www.online-books-lover.com Arlen Blog54850
Ariel Blog53968

Business Financing Decisions

The goal of business finance is to raise sufficient capital at the least cost for the level of risk that management is willing to live with. The risk is that a business will not be able to service the debt and be forced into bankruptcy.

Broadly speaking there are 5 main ways of funding a companys needs:

Receive credit from suppliers
Obtain lease financing
Obtain bank loans
Issue bonds
Issue stock

Supplier credit

This is the easiest way that companies obtain funding. Companies buy goods and services and have anywhere from seven days till 6 months to pay for them; when companies need more credit from suppliers the financial controllers will negotiate longer credit terms or larger credit lines. The payment terms can also be stretched and this can work well because the creditors do not want the customer to go into bankruptcy taking their money with them.

Lease financing

Instead of buying equipment, many companies choose to lease equipment - this is a form of franchising.Cars,computers and heavy equipment can be financed for short periods or indeed longer periods.

If it is a short period it is referred to as an operating lease and at the end of the lease the property is still useful and is returned to the finance company.

Long term leases are, in substance, ways are ways of funding a purchase rather than buying the temporary services of a piece of equipment. These are often referred to as capital leases.

For capital leases the leased assets and the financing liability are recorded on the leasing companys books as though the company had bought the equipment outright.

Bank financing

The next level of financing involves banks. If a company has a credit line or revolver with a bank it draws down and pays back up to set limits of credit as cash is needed and generated by the business. The credit is often secured by assets of the firm however if a business runs into trouble it may not be able to pay the bank and go into bankruptcy

Bond Insurance

Bonds have fixed interest rate contractual payments and a principal maturity. The risk comes to the firms owners if they cannot be serviced. The principle bond owners can then exchange them for ownership of the company and oust the owners.

The After-Tax cost of Borrowing

Interest payments for borrowing from vendors, bankers or bondholders are tax-deductible, while dividends to shareholders are not. The after-tax cost of borrowing is the interest cost less the tax benefit.

Stock Issues

Stock issues have non-contractual, non tax deductible dividend payments. Stock represents an ownership in the business and in all of its assets. If additional shares of stock are issued to raise cash, this is done at the at the expense of the current shareholders ownership interest. New shareholders share their ownership interest equally on a per-share basis with the current shareholders this is why analysts say that the new shareholders dilute the interest of existing shareholders.

Summary

In summarising, the higher the percentage of debt to total capital, the higher a companys value, to a point. At the point where the risk of bankruptcy becomes significant, values fall. The cost of financing decreases as a company adds lower-cost shielded debt to displace the higher returns required by equity investors.

Naz Daud is the Founder of the CityLocal Internet Business Franchise Opportunity.Abra Blog23382
Alyson Blog60850

How A Published Author Can Become A Paid Public Speaker

A book is your golden ticket into the speaking business. If you had a book published by a "real" publisher within the last 12 months in your hands, you have the calling card you need to get those speaking engagements now.

Some authors-to-be and new authors have trouble figuring out precisely how to leverage that book into speaking. First, when the book is printed, ask the publisher for a few hundred copies of the cover, as "overrun." Usually you can have them free or at cost. They make large-sized, noticeable postcards to send to meeting planners to attract their attention.

Next, you want to get media. Radio, print, television appearances based on your book are all critical. Capture the name of the show, the host and the date you appeared and put it on your website, in your speaker's package, and in your file. Eventually, you will collect all of your TV clips and ask a professional video editor to combine it into an excellent montage. These will impress the heck out of a meeting planner and should be used liberally.

Now that you've got some ammo, and assuming you have a website touting your brilliance and your book, it's time to petition all those hapless meeting planners out there. Write letters, make phone calls, send post cards, follow up and be persistent.

You can buy a book of meeting planners in any industry online. Then, you make them your new friends. Go to their meetings. Hang out. Cold call them and be friendly.

I personally love cold calling. I also don't even notice rejection. I suggest you adopt my personality for a little while each day. In the speaker trainings I do, I make them all recite a mantra that will help their business. "The most important thing that I can do is make 12 calls between 10 and 2." That refers to the minimum I expect from a speaker-to-be. Make 12 calls each day to meeting planners, offer them you, a free copy of your book, send them a postcard thanking them for their time on the phone written on your book jacket cover, and make at least three follow up calls (or fewer if they tell you to quit calling.)

Make those 12 calls five days a week. Give them what they ask you for. If you do this, you will make 3,120 calls in a year. You will have gotten speaking engagements simply by the law of averages. Your investment of time will be small, but results can be huge.

Good luck!

(c) 2007, Keller Media, Inc. Want to use this article in your publication? Reprints welcome so long as the article and by-line are reprinted intact and all links made live.

Wendy Keller is a professional speaker, published author and book agent. Her company Fame Finders delivers a proven marketing, training and promotion system to help successful people become famous authors and professional speakers. Her system provides a clear competitive advantage for successful individuals who are now ready to lead the field. If you're ready to become a thought leader and famous speaker visit http://www.famefinders.com today.Aurel Blog96291
Agna Blog3951

Cash Back Card Buy to Save!

Credit card cash back offers have the potential to change the way consumers spend their money. Who would have thought that you could get money just by spending some? With banks rolling out credit card rebates, saving has turned out to be the latest aspect of buying. Consumers can now choose from a wide choice of rebate credit cards according to their specific needs.

Cash Back Card What Are They All About?

A cash back card is ideal for shopaholics! The promise of getting a few bucks back at the end of a spending spree might remove some guilt of burning money on the other hand, it may add to the retail therapy. A cash back card entitles the cardholder to a certain amount of money or a refund for every purchase made by using the card. Credit card rebates range from 1 per cent to 5 per cent and differ from transaction to transaction, depending upon the contract between the credit card company and its associated business partners.

Groceries, shopping, school fees, electricity and other utility bills; mobile phone rentals ... the possibilities are endless! Just about any transaction through a cash back card ensures reimbursements however small for the cardholder.

The Flipside of Rebate Credit Cards

If this was all beginning to sound too good to be true, you were right! This, like every other promotional offer, has certain pitfalls. Finding the right card amongst a host of rebate credit cards out there could be quite a time consuming task as there is no uniformity in the benefits offered by different companies. But be sure to make an informed choice after weighing all the options on hand as well as your specific needs. Each credit card company has tied up with a particular set of businesses, outlets, and service providers to offer these credit card cash back offers. Thus, you would be well advised to obtain a card that offers the most lucrative rebates on your most expensive or more frequent purchases. If you have any big-ticket expenses coming up, that you plan to charge to your card, this could be a good place to start.

Another major area of concern for a cardholder is how these rebates can be redeemed. Some cards have a minimum and maximum cash back limit and any transactions beyond the specified limit remain unaccounted for. Other credit card companies require cardholders to request reimbursements while a few others do it automatically. Most cards will reflect the points in your statements.

Are Credit Card Rebates Really Worth It?

It remains to be seen whether credit card cash backs will be a success or not. Are these offers trying to win the confidence of consumers, or simply trying to tempt them into abandoning old-fashioned cash forever? If you truly want to protect your own interests and beat the credit card companies at their own game, make sure you make a knowledgeable, well-calculated decision while choosing a cash back card.

Robert Alan advises that you visit http://www.creditcardassist.com/cashback/creditcards.html for more on cash back card offers.Andromache Blog78434
Alysia Blog36650

A Cruise Vacation That Can Include Airline Reservations

An air-sea cruise is when your cruise vacation has been booked with airline reservations to get you to the ships port and back home again. The cruise line buys its tickets in bulk from the airlines. They find out where you are coming from for your cruise travel and book you passage from a nearby airport to one close to the cruise ship's home port. Each cruise line has its own policy on how they deal with the sale of airline tickets, so here are some cruise tips in that area.

What is the cost of the tickets if I book them with my cruise?

The amount will be quoted when you book and will be shown on your bill.

If I need to cancel, are the refund policies different for the plane tickets than for the cruise?

No, as long as you cancel before the penalty phase begins.

Is there a service fee charged to have the Cruise Line issue my Airline reservations?

Only if you use their air deviations plan. The fee is around $50.00 each.

Do I have any choice in which Airline is used?

Yes, if you use there air deviation plan.

Can I get credit for my frequent flyer mileage if the cruise lines books my airline reservations?

No. You can use your frequent flyers if you book on your own.

Can I fly nonstop or have any control over the route that is taken, or do I just get what ever they find?

Here again, use the air deviation plan.

How do I get from the Airport to the ships pier?

If you have booked an air/sea cruise vacation the cruise lines will supply you with a voucher for a shuttle bus. If you booked your own airline reservations it will be up to you to get to the port.

Is there a shuttle service available from the airport where youll be arriving? Is there a charge for this service or is it included? Is the service included if you dont book your flight through the Cruise Line?

If you book your flights through the cruise lines, there will be a shuttle and you

use your transfer.

How and when do I meet up with Cruise Line personnel?

They will be standing in the baggage claim area and will hold a sign with the name of the ship. They will direct you to the shuttle.

How is my luggage handled, do I have to pick it up at the airport or is it automatically sent to the ship?

You will have to pick it up at the airport and then the shuttle will take it to the ship with you.

What accommodations, if any, are made if the Airline they use causes me to miss the ship?

If you have booked with the cruise lines they will accommodate you by getting a hotel room for the night and a flight to the next port.

There are many advantages to booking an air-sea package for your cruise travel. The cruise line takes care of the airline reservation. Since cruise lines buy in bulk and usually provide a discount package rate, the ticket price is generally lower than what can be found in the general market. The transfer of luggage is easier, and a free shuttle will take you from the airport to the docks for your cruise vacation.

The cruise line will have your flight information and will be able to track your flight in case of a delay. Others on the cruise might be on the same flight and they might just hold the ship waiting for you to board. The biggest advantage is that if anything goes wrong to delay you, the cruise line will generally become more involved in getting you to the ship.

There, of course, are disadvantages as well to booking an air-sea package. You might be able to find a better deal on your own, or you may have to fly an airline you dont like. You will not get credit for frequent flyer miles by going through the cruise line, and you might not be able to fly non-stop. Finally, you might end up flying a longer route than youd pick for yourself.

You could book your own airline tickets, but only do so if you can get a better deal. The strongest consideration should be how confident you are in being able to make it to the ship for your cruise vacation on your own. If you are already flying in a few days early, know youll be there on time and you can save over the air-sea on plane tickets and shuttle costs, then you might just consider going it alone. But, remember you are going it alone. In many cruise reviews it is recommended that you book your airline reservation with the cruise line.

The cruise lines will be more likely to make accommodations and work with the airline if their booking didnt get you to the ship on time. They will be better able to track your late flight and might even delay the ship if they know youll only be slightly late. There have been many cruise vacations that have delayed the departure from port especially if there is a large group of cruise travelers on a late plane.

Depending on the circumstances, they might even rebate some of your cruise or give you a discount toward your next cruise vacation with them. However, the airlines are independent contractors. Most cruise conditions of carriage state that since the airlines are independent contractors the cruise line makes no warranty and assumes no responsibility for any failure or delay in their contractors services. This is another reason to purchase a strong trip insurance package.

When you book your own airline tickets for your cruise vacation, if the route you picked to make it to the ship fails, you are on your own. Dont risk missing your cruise travel over a few frequent flyer miles. No matter how you get to your cruise vacation, try to avoid this situation by booking a flight that leaves you plenty of time to get you to and from the pier to the airport. It is recommended that your go on the internet and read the many cruise reviews on this subject.

Happy Cruising!

Copyright © Mary Hanna, All Rights Reserved.

This article may be distributed freely on your website and in your ezines, as long as this entire article, copyright notice, links and the resource box are unchanged.

Mary Hanna has traveled the world by Air and Ship while writing eBooks, Software Reviews and Practical Articles on Internet Marketing, Cruising, Gardening and Cooking. Visit her websites at: http://www.CruiseGold.com http://www.CruiseTravelDirectory.com and http://www.CruisingTips.com Ally Blog86266
Althea Blog92600

Can You Still Make Money With EDC Gold Even In A Saturated Market?

EDC Gold sounds like the perfect business opportunity alright. Get paid 100% commission on EVERY sale, while you get the first two $997 sales from everybody you refer. EDC Gold sounds like one of the most lucrative ways to make money online and maybe even too good to be true!

Well it might be too good to be true because of the market saturation concern that is in most people's minds. If EDC Gold is really one of the best ways to make money online, everybody would soon jump on this wonderful little business opportunity and the market will surely dry up leaving you nothing but a wallet that is $997 lighter.

I had this concern on my mind too and debated to myself whether or not EDC Gold is still a lucrative business opportunity to invest with. Fortunately I uncovered some revealing online statistics that will make you rethink about market saturation and how that is totally irrelevant. Okay, let's begin.

It is estimated that EDC Gold currently has 15,000 members promoting the business opportunity. That is a lot of people promoting EDC Gold! How the heck can you compete with 15,000 people promoting the exact same product?

Well, here is a little secret, there are only an EXTREMELY small percentage of the 15,000 EDC Gold distributors that are actually doing the required steps to make money online! Most of these people do not take EDC Gold seriously. In other words, the vast majority just dabbles around and plays with EDC Gold.

Not convinced? Well, how about this? On a very conservative estimate, there are over one million searches done on the internet for home based business opportunity related keywords. That is over 33,333 searches made in a single day on the internet for home business opportunity related keywords.

What does that mean to you? Well, market saturation is totally irrelevant if you decide to promote EDC Gold. Still not convinced and you are stubborn as a mule about market saturation? Well, how about this.

There are over 10,000,000 clicks done on business opportunity related links done per month on the internet. That means 333,333 clicks PER DAY are being made on business opportunity related sites.

Now let's recap what was just said. The vast majority of EDC Gold's distributors are extremely lazy doing their promotions, while a million searches are done for business opportunity related keywords with over ten million clicks per month.

Think of this realistically. Since most people in EDC Gold are doing next to nothing with millions of people searching for ways to make money online, anybody that is thinking of joining EDC Gold can still capture just a small percentage of these people and make money on the internet.

You do the math on how much people you have to refer to EDC Gold at the $997 level to make money online. This should have given you a fresh new perspective on the reality of market saturation and installed in you some hope.

Alan Quan struggled with making money on the internet for a year losing more money than he was making. Luckily he found a system that allowed him to sell a high end product and make a full time income on the internet. Today, he has quit his job and is now PERSONALLY teaching regular people how to do the same. Visit his website at http://www.e-bizcoachalan.com and find out more...Aurilia Blog88629
Antonella Blog72878

The Time Value of Money

The time value of money (TVM) is an investment principle that states money is valued greater today than in the future due to inflation and economic conditions. Essentially, a dollar in your pocket today is worth more than a dollar in the future because money may be invested and earn interest over time. The notion of TVM is money is worth more the earlier it is received.

If you loaned a friend $20, would you rather get the money back today or a year from now? You should want the cash today. Think back to the price of movie tickets 10 years ago. The price for a movie ticket at one point was just a few dollars and has risen to almost $10 due to the factor of inflation. By receiving cash today, rather than the future, you can invest the money into an alternate source and potentially receive a higher return for your money. Future value includes the amount of money you would earn through growth in your investments in the future assuming a given interest rate. It is what the cash is worth at a particular time in the future, while present value refers to the value of a given sum of money today. The same principle applies to real estate notes. A real estate note, a mortgage for example, is created with specific terms, conditions and a length of time for its return. In order to exchange the note for cash, a notes present value is determined through a discount analysis to appraise its current worth, which will differ from the notes value in 10 years.

To demonstrate TVM and why it can be more advantageous to have money now rather than the future, consider the following example. If you own a real estate note that is appraised at present value for $150,000 you can cash out now and spend the money, or you can invest in alternate sources for a higher return on your investment. By receiving the money today, you can avoid dealing with late payments and the risk of not receiving a payment at all. Immediate cash appeals to most much more than receiving money in the future. The following illustration of TVM shows the change in value of $150,000 over a year if invested with a rate of return of 10 percent.

Future Value = (Present Value) x (1 + Rate of Return)

Future Value = (150,000) x (1 + 10%)

Future Value = (150,000) x (1.1)

Future Value = $165,000

Understanding the time value of money is essential to achieving financial success, as this concept allows you to evaluate the potential value of money today in comparison to the future. When you talk about mortgages, loans, car notes and retirement funds, the practical knowledge of time value of money can help you accomplish the wealth you have longed for.

Maria Fee is a mortgage professional, real estate investor, teacher, and master marketer with more than 20 years of business experience. Maria is the President of REMI KNOX, LLC, a group of investors who purchase real estate notes nationwide. Quoted by the media as an expert, she is continuously recognized for her extraordinary knowledge and real estate investing experience. Alli Blog79971
Angelita Blog25212

I Won The Lottery! Or, Maybe Not

I must be the luckiest person alive. In the past three days I found out I won 1.5 Million Euros in the UK lottery, One Million Euros in the Winx International Lottery, 1.5 Million Euros in the 2007 E-Mail Lottery, and 500,000 Pounds in an e-mail lottery held by the Coca Cola Company. Wow! What did I do to receive all these riches?

The sad truth is there are actually people who fall for these schemes. For the promise of a quick buck (or million Euros as the case may be) people will turn over their bank account numbers, wire money in the hopes of getting more back, or give other information that could lead to identity theft.

These lottery and sweepstakes schemes have gone on long before the internet, with one of the oldest being the phony sweepstakes which required an entrance fee to claim your prize, which amounted to more than the prize was worth. Another variation of that scheme was requiring the potential winner to call a certain number to find out if he or she was a winner. The phone call cost the potential winner a certain amount per minute with an unusually-long wait time on hold. The real winner was the scamming company which made money off the phone calls.

Todays thieves have a wide choice of scam-delivery mechanisms, including in person, the mail, phone and internet. However, the same holds true no matter how the scam is delivered: if it sounds too good to be true, it is.

How Can You Recognize the Lottery or Sweepstakes Scam?

There are certainly legitimate lotteries and sweepstakes offers. Who hasnt bought a state or multi-state lottery ticket from their local lottery retailer? Or, who hasnt seen one of those sweepstakes offered by a recognized company advertising in the coupon section of the Sunday newspaper? You fill out the entry form or reasonable facsimile (usually a 3x5 card) with your name and address and send it off.

Therein is your biggest clue as to whether youre the victim of a scam. In a legitimate lottery or sweepstakes you have bought the ticket or entered your name and address. In a scam lottery or sweepstakes you are notified youve won when you havent even entered or bought a ticket.

In addition, its illegal to use the mail or telephone to play lotteries across borders, whether national or state lines. Any lottery offer involving the purchase of lottery tickets for other state or country lotteries could end up with you being charged with illegal activities.

One ploy used by foreign scammers involving lotteries or sweepstakes is offering you an advance on your winnings. The scam artist will send you a check for part of your winnings. All you have to do is wire them payment for taxes or other official purposes. By the time you find out their check has bounced the money you wired is in their hands. And, because it was wired its harder to trace.

Lottery scammers dont always use e-mail or the phone. Sometimes they do their dirty work in person. A typical scam would go something like this: You are approached in person by someone who claims he or she just won the lottery but isnt eligible to claim it. They offer to split the money with you if you claim the prize. Sounds good, right? Except that before you claim the prize from the lottery retailer you are required to withdraw some money from your account and give it to the ticket holder as a good-faith gesture. By the time you find out youre holding a non-winning lottery ticket, the thief is long-gone with your good-faith money.

In order to protect yourself from these scams, its important to remember the following:

Lotteries

Its illegal to use the mail or telephone to play lotteries across borders.

If you ever receive a phone call, letter or e-mail announcing you just won a lottery, its a scam.

Sweepstakes

Its illegal for a company to require you to pay to win or claim a sweepstakes prize.

Its illegal for a company to suggest that buying something will improve your chances of winning.

Companies cannot ask for money from you for taxes they say you owe on a sweepstakes winning.

Be cautious when entering sweepstakes from displays you see in malls often times these are people just wanting your name and address for a future sweepstakes scam.

Only enter sweepstakes from recognizable companies, and never pay a fee to enter.

Avoiding being the victim of a scam takes a healthy dose of skepticism. If you are ever unsure about the legitimacy of an offer made to you, you can call the National Fraud Information Centers Hotline at 1-800-876-7060.

Shari Hearn is a writer and creator of http://www.safetytips411.com and http://www.expecting-baby.net Auria Blog13942
Amelina Blog45172

New Jersey Bookkeeping Tasks Must Be Executed Appropriately

Bookkeeping is an important business aspect of any organization and so every business organization has to undertake this task. It is a serious task and needs proper handling of accounts data. In order to keeps business flourishing for longer period you need to keep a check on your accounts data regularly. Bookkeeping is a tedious accounting task that needs to be done by a qualified accounting professional. An efficient bookkeeper is important for better working of business. Business owners needs to hire an efficient professional because they are one who is qualified to handle various accounting task. The business owner must hire a competent accounting person who can efficiently handle your accounting works. In New Jersey, you can easily find Bookkeepers for your business.

If your business size is small, then you can hire the services of individual accounts professional. This will save your much revenue and it works as cost effective business solution. Well, its not mandatory to hire him, you can also set up your own department and can perform your accounts manipulation. Another option is to outsource your accounting work from an offshore destination. It will shed your work load and then you can look for expansion plans and many other departments. Further, you can look to get into many more businesses so as to increase much revenue. You do not need to worry much for an accounting done by a vendor as they do perform best work with complete professionalism. They take utmost care of all the data of your firm with security. The task of New Jersey bookkeeping contains various services like data entry bookkeeping, single entry bookkeeping, commercial bookkeeping, one-write systems, computerized systems.

Any of these tasks can be chosen by you to get your task done. Data entry bookkeeping is a common task that most of businesses undertake. Bookkeeper is responsible for writing up the daybooks for your business and it consists of all the records of purchase, sales, receipts and payments and various others. Its the responsibility of the New Jersey bookkeeping professional to check that all financial transactions are entered correctly in the suppliers ledger, customer ledger, and daybook. After this, the bookkeeper brings the books for the trial balance phase for a financial account. Your business is very essential for you and so being responsible is important. You must look for the entire task of accounting that is done by a professional or from outsourcing destination. This check will make your business to work smoothly and firmly.

Bookkeeping task deals with all the financial aspects of your business as it contains all the finance records. You need to look whether all the financial data that is being maintained by the bookkeeper is accurately or not. As it will be used at the time of filing your tax returns. It will help you to do hassle free tax paying and precisely, the tax will paid on time. You need to be conscious about paying tax promptly as it can help your business to grow and obviously you can focus on many other aspects. Bookkeepers are entirely responsible for undertaking all kinds of accounting task of your firm.

Peter Terry has extensive knowledge about bookkeeping and knows the importance of this for running a successful business.To know more about New Jersey Bookkeeping, New Jersey tax accountant, Jersey bookkeepers visit http://www.jerseybookkeepers.com Allie Blog69897
Ariella Blog85507

Credit Cards And Their Rewards

A lot of credit card companies offer incentives to people with large debts. These include 0% balance transfers, 0% purchase rates and long term low interest rates on balance transfers. But people who clear their balances regularly do not benefit from these rewards. After all, if they pay off their balances each month, they are not paying interest anyway. So how can these people gain something from using their credit cards? The answer lies in credit card reward schemes.

What Are Credit Card Reward Schemes?

Credit card reward schemes are schemes that offer bonuses or incentives to people when they spend on their credit card. These schemes are usually linked to the amount spent, so this is a good option for people who put their monthly spending on their credit cards. There are a number of credit card reward schemes to choose from.

Earning Nectar Points With Your Credit Card

One of the best known reward schemes is the Nectar points scheme. This started as a loyalty card scheme, with Sainsburys, Debenhams and BP as the principal players. There are now a number of retailers who accept and issue Nectar points. There is also a branded Nectar credit card (run by American Express) which allows card holders to earn Nectar points when shopping for a range of goods with the credit card. Card holders who also have a Nectar loyalty card can earn up to 4 points for every pound spent. These points can then be used for shopping, entertainment, travel and more.

Other Credit Card Points Schemes

Many other credit card companies also offer their own proprietary points schemes. Again, these allow card holders to collect a set number of points for every pound spent. These points can then be used to claim discounts on food, wine and travel; travel insurance; clothing; high street discount vouchers; or exchanged for cash. Many credit card companies also give cash back rewards. These consist of a rebate of a certain percentage of the amount spent on a credit card per month or year. There is usually a cap on the amount of the rebate.

Reward Yourself For Travelling

Another common points scheme is the air miles scheme. This allows card holders to earn a set number of miles linked to the amount they spend on the credit card. Card holders can have separate air miles accounts or can gain more benefit by applying for one of the many credit cards that offer air miles as their reward. With air miles credit cards, credit card holders can also benefit from balance transfer rates and other incentives. Many air miles credit cards also offer additional discounts or upgrades on travel products.

Other Credit Card Reward Schemes

In addition to these credit card reward schemes, there are credit cards that offer specific incentives to consumers. These include earning money to help with the purchase of a car. Credit card holders can also consider using their credit cards to give to charity. There are a number of charity credit card schemes backed by major banks.

Joe Kenny writes for the Card Guide, a UK credit card site, apply for a 0% balance transfer credit cards to clear your credit card debt today.Auria Blog13942
Alvina Blog99946

Second Home Insurance: Buy To Cover Your Luxury Home

Second home is bought by people in UK mostly for giving it on rent to people who come to spend their holidays. Hence it is very important to take perfect precaution to keep your second home protected as it is your first home and it is also a very good source of income for you. Second home is also a real luxury to afford it and something that you have worked probably very hard towards. Second home insurance enables you to provide the proper protection to your second home or holiday home.

Your second home can have the same risks as your primary home from fire, theft, flood and riots etc. so home insurance policy for your second home is the most essential thing to buy for the protection of your second home. Second home insurance provides for the following cover-

Building cover: second home insurance provides cover for your building structure which will include swimming pool, summer houses etc.

Contents cover: your second home insurance can also cover for the belongings of your home thus giving you added peace of mind.

Legal cover: it will provide valuable legal protection to your second home as part of your insurance.

Personal valuables: it can be covered by your second home insurance at an extra cost, which can provide added peace of mind. This can include valuables such as laptop, camera and any especially valuable item in your second home.

However it is important to check that any second home insurance policy before making a commitment to buy that it will provide you the covers that you require for your home. Different insurance companies offer policies for second home insurance with varying terms and conditions, so it is advisable to compare both premiums and coverage before making a decision. The cost of cover will vary on the level of cover you take out as well as on the property itself and the purpose for what it is used. Sometimes insurance companies do not extend whole coverage to the second home so it is better to check the terms and policy details before you commit to a second home insurance policy.

As you begin to research about the best policy of second home insurance, you can do it well through internet. Online you can search for the second home insurance policy within no time and even without expending a lot of money. The quotes for second home insurance are available free on the internet. Hence you can search the suitable second home insurance policy for your second home and enjoy the real pleasure with security.

Henry Bell is an author who can certainly identify the kind of insurance that you will need. To find Second Home Insurance, bad credit car loan, cheapest car loans,no credit check car loans,easy car loans,fast car loans,secured car loans visit http://www.insuranceb.co.uk/Anne Corinne Blog79443
Ada Blog85176

Have Bad Credit, Doesnt Matter Avail Ccjs Tenant Loan

The tag of bad credit is the biggest hurdle while performing any activity in the financial market. Bad credit can happen to any one and at any time. One of the most common reasons for bad debt is CCJs, that is, county court judgement. CCjs usually happens when a borrower fails to make timely repayments and the lender files a county court judgement against the borrower. Then, the borrower is asked to repay an amount within 30 days. And if, he fails to do so in such case, an entry of bad credit is made in credit report. Once the credit report is burdened with bad credit, an individual has to face certain difficulties in availing finances from the market such as high rate of interest and sometimes unfavourable terms. But he has to accept all these undesirable terms unwillingly because as there is no other way opened for him. But, now he can also avail finances without such undesirable terms through ccjs tenant loan.

CCJs tenant loan is form of unsecured loan, in which there is no obligation of placing any collateral with the lender. Such loan not only provides a financial assistance but also helps an individual, in improving their credit rating. This is only possible when timely repayments are made. CCJs tenant loan being a bad credit loan carry high rate of interest as compared to any standard loan.

But there are certain advantages which an individual can avail through CCJs tenant loan. They are:

Less documentation
Hassle free process
Quicker
No asset valuation
No risk on asset

An individual can borrow CCJs loan for any purpose either for consolidating debts, handling emergencies or any other expenses.
It is true that there is no risk on the asset. But this doesnt mean that the lender can take no action against the borrower if he misses any payment. Rather, he can sue the borrower against the non payment. As a result, it will worst the situation of an individual. In order to save himself from these situations a borrower is required to make timely payments to improve his credit score.

Once the credit score gets start improving, an individual can also avail other standard loans from the financial market. Before going for any sort of debt make sure that its repayments are affordable. It is also recommended to compare annual percentage rate of the different CCJs tenant loan deal offers. This comparison will let the person know that how competitive the rate of interest is.

Finally, choose the lender offering loan with lowest APR and ensure that the lender is reputable and authorised.

Peter Taylor is a senior financial analyst at Fastcashloantenant with an acumen for finance and insurance. In recent years he has taken up to provide independant financial advice through his informative articles. His articles are widely read because of the lucid manner of wriiting and thoroughly researched datas. To find CCJs tenant loan , Unsecured tenant Loan , Unsecured loan tenant UK, Unsecured loan, Fast cash loan tenant , Fast cash tenant loan UK that best suits your need visit http://www.fastcashloantenant.co.uk Alli Blog34799
Almira Blog82432

Setting Up a Solid Medical Malpractice Claim

People usually look up to doctors and nurses because of the reputation they cultivated of alleviating the pain and suffering of their patients. Doctors and nurses are guided by medical procedures developed by international experts and specialists. They are own competence develop through experience as they mature in their profession.

Alas, these medical practitioners are but human, imperfect and erring. Given the tremendous trust people give them, however, once something goes wrong in their execution of medical procedures and their patient suffers from it, it opens a controversial issue of medical malpractice.

Many people fall to the wrong impression that to sue a certain doctor with medical malpractice charges is quite easy. In fact, medical malpractice cases are extremely tough to win.

Not all medical injuries can be considered as medical malpractice, thus medical malpractice claims is not applicable for such cases.

Moreover, it also does not provide basis for a medical malpractice lawsuit claim. In proving malpractice or establishing the liability of a health care provider, expert medical malpractice testimony is needed. This testimonys basic content is that the health care provider a person is suing has committed a grievous wrong no reasonable health care provider would do, and resulted to injury and death. Once liability is established, the victim or his/her family claims for medical malpractice damages.

Another thing that makes this kind of claim a tough case is that there is a statute of limitations or statutory period in filing the lawsuit by a malpractice lawyer. Each state has its own established medical malpractice law for such cases.

The three main issues in determining if a case of medical malpractice is worth pursuing are liability, damages and responsible person to pay such damages. In determining if a health care provider is liable or legally responsible for the injuries sustained by the patient, negligence must be established.

To determine this, the accepted standard of care on a certain area must be known and whether or not the standard was followed. If it turned out that the standard of care was not followed, the next step is to determine if the cause of injury is because of such non-compliance to standards.

Meanwhile, in determining negligence, a health care provider may misdiagnose an illness or injury, fail to treat it properly, give the wrong medication and fail to give thorough explanation to a patient about the risk of a certain procedure or other alternative treatments to avail of. Furthermore, there must be concrete evidence that a doctors negligence was indeed the cause of injury or worsening of condition.

Once liability is established, the patient victim is entitled to claim for damages. This may be in the form of compensation for the medical bills already incurred and still to be paid, the loss of present and / or future income and the physical and psychological pain and suffering felt by the victim.

In a medical malpractice claim, the damages vary on each individual case. It usually depends on how the injury or death caused by malpractice affected the persons earning potential and quality of life.

There is also a statute of limitations or a deadline in filing a claim, which is typically two years. It is important to note this down since once a claim did not meet the statute of limitations, the claimant loses his or her right to damages, even if liability can be proven.

Before launching medical malpractice claims, make sure that there is a fighting chance in winning the case. These kinds of claims are usually settled less often compared to other cases. One also invest more time and expense.

Lala C. Ballatan a.k.a Kay Zetkin discovered the pleasure of writing through her daily journals way back when she was 10. With writing, she felt freedom to express her viewpoints and assert it, to bring out all concerns -- imagined and observed, to bear witness.Audie Blog966
Arlen Blog54850

The Easiest Way to Diversify

It's a phrase you have heard over and over, "diversify your portfolio", but what does it mean to someone with little or no financial background? The world of stock markets, volatility and portfolios in general may not be all that familiar. Fortunately, in this day and age there are ways to diversify that don't require you to be all that savvy when it comes to the stock market. There are a number of investments to choose from that do most of the diversification work for you. This article shows the many ways to diversify your portfolio, going from the most difficult to the easiest.

Most Difficult

If you feel really adventurous, you have lots of free time and loads of cash available, you can purchase your own individual securities. The only time I would recommend this is if you are very savvy when it comes to the stock market and you are willing to take the risk. If you fit this description, I doubt you will be reading this article. The expense involved in each individual trade (it varies depending on your investment company) makes it difficult to achieve the diversification necessary without spending a lot. Individual securities are fine if you have money set aside for that purpose only, but a few individual stocks or bonds isn't probably the best place to put your entire investment portfolio since this would not be diversified.

Difficult

Currently, mutual funds seem to be the more convenient route when it comes to investing for the long term. When you invest in a standard mutual fund, you are spreading your money across 50-1000 different securities without having to buy them individually yourself. The mutual fund manager takes your money, puts it into the pool with everyone else investing in the fund and purchases stocks, bonds and fixed-income products for you. While it is much more diversified than buying individual securities yourself, putting all your money in one mutual fund generally isn't enough to be diversified. In order to diversify through mutual funds it is best to choose a variety of mutual funds, those that cover large, medium and small companies, international securities, bonds, fixed-income products, and funds that cover different parts of the market such as technology, healthcare, real-estate, etc. For a beginner, even choosing your own mutual funds can be a daunting task. If this still seems a little too difficult, read on.

Moderate

For even more simplicity in choosing investments, consider an asset allocation fund. While most mutual funds spread your money over securities in a certain sector of the market, asset allocation funds spread it more widely and completely over several different sectors. It is not uncommon for an asset allocation fund to invest in almost 2000 different stocks, bonds and fixed-income products where an average mutual fund invests in about 300.

The other nice feature of most asset allocation funds is they often give you the choice of risk level. If you are nearing retirement and will need your money in the next 10 years, you could choose an asset allocation fund that is 50-60% in stocks, 40% in bonds, and the rest in fixed-income. You still have some growth potential, but if the stock market goes south, your bonds may help to stabilize the account. This can also be a good choice for someone who can't tolerate much risk, even if they have a long time until retirement.

There are also more aggressive asset allocation funds for those with a longer investment horizon or those that can tolerate more risk. If you are already retired and are starting to live off savings, there are conservative asset allocation funds that would be appropriate for these times as well. The key to success in diversification isn't just investing in different sectors of the market but making sure your breakdown of stocks and bonds is correct depending on your age and when you are going to need the money. If you are still unsure what I am talking about, maybe the next investment option is for your.

Easy

The easiest and most diversified investment comes in the form of all-in-one funds, sometimes called lifecycle or retirement funds. Where most mutual funds are made up of different stock, bond and fixed-income securities, all-in-one funds are made up of different mutual funds. For example, let's look first at a standard mutual fund, the T. Rowe Price Mid-Cap Value Fund (TRMCX). As of 3/31/2006 it was made up of about 65 different securities, mostly stocks. This mutual fund bought stock in companies such as Campbell Soup, International Paper, and Intuit, to name a few. While 65 securities may seem like a lot if you go and try to make that many purchases on your own, it is still a very limited piece of the market. If you put all your money into T. Rowe Price Mid-Cap Value Fund, you would not be considered diversified.

Now let's look at an all-in-one fund, this time from Fidelity, the Freedom 2040 fund. Right now, this fund is mostly in stocks. It is meant for individuals who are looking to retire around the year 2040. As of 3/31/2006 it was made up of 23 different mutual funds. The combination of all 23 mutual funds ends up being over 4000 stocks, bonds and fixed-income products. These 4000 securities cover all areas of the stock market including mutual funds such as Fidelity Small Cap Growth Fund, Fidelity Overseas Fund and Fidelity Blue Chip Growth Fund, each of which invest in very different types of stocks. If you put all your money in the Fidelity Freedom 2040 fund you would be diversified.

The other nice feature of all-in-one funds is that they become less aggressive as you age. They are working toward a specific timeline and gradually have less and less in stocks as you get closer to retirement. This is probably the best feature for less savvy investors. Even the asset allocation funds spoken of above need to be adjusted here and there so that they are more in line with your retirement goal. This would mean taking money out of a more risky asset allocation fund and placing it in a less risky option as you near retirement age. It is possible; it just takes more work from you. All-in-one funds do this work for you.

While it would be nice to have the easiest route also be the one that pays the highest yield, there is no guarantee of that. Any of the above options could end up having the highest return depending on the securities or mutual funds chosen and how they perform. When it comes to investing, there are no guarantees except this one...not diversifying will almost always hurt you in the long run. Diversification is the key to any good investment strategy. Now it is just a question of how you will go about it.

Emma Snow is a writer who specializes in financial planning. She has worked in the financial industry for over eight years. Currently Emma works on a Finance and Investing site at http://www.finance-investing.com and Investing Partners http://www.investing-partners.com.Alisa Blog82694
Anica Blog91056

Financing Your Car Purchase

Not many people have sufficient on-hand resources to pay cash for a new/used car purchase. Most people HAVE to finance at least a major portion (about 80%) of any such acquisition. Most people just assume that financing through the car dealership is the simplest, easiest and most convenient way to goand most people pay more than they need to because of that assumption!

Car dealerships rarely provide direct financing; i.e., they partner with a lending institution which provides funding to qualified buyers who apply for loans at car dealership offices. The lending institution accepts all the involved risk, while in most cases the dealerships accept a flat fee commission, a percentage of the total loan, and/or a bonus for each loan placement from their lending partner. This cost is paid for by the buyer through a higher loan rate. It might be simpler and easier to file for a loan at the car dealership, but please dont assume that it doesnt cost you for that convenience. In a small number of case, like at ThatsMyNewCar.com, financing is provided, however the dealer does not receive any fee, percentage or bonus for placing the loan. The service is provided to make the car buying experience better and more convenient for the customer.

Banks and credit unions offer direct financing to car buyers, usually at rates better than those they can offer through any partner car dealershipsthis is because they have no fees to pay for a middleman. Deal directly with a lending institution and you can save money on your new/used car purchase. If you have a savings/checking account with a bank or credit union, they are much more likely to provide you with a car loan than any lending institution for which you are not already a customer, and youre more likely to get a better rate or more convenient terms (or both) from them too. Most even offer lower rates if you agree to have payments automatically deducted from your accountno checks to write, no envelopes to address, and no stamps to send them in. Now that is a convenience which not only doesnt cost you anything, it usually saves both time and money!

Try to have your financing issues addressed before you even go to a car dealership. Banks and credit unions will help you determine how much you can afford to pay, which should provide more confidence and less anxiety for when you actually go to a dealership. With loan approval issues already addressed before you set foot on a lot, youll be in a position to close the deal right then and there, and to drive it home without further delay. Now that could be a convenience derived from adequate preparation and forethought!

Tom Carey is a co-owner of That's My New Car. The company that specializes in finding the perfect car for it's customers, way under the retail price. That's My New Car gives proxy access to exclusive dealer-only auctions. Tom can be reached at 610-272-1998 or http://www.ThatsMyNewCar.com Annissa Blog29029
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Permeate Needs with Personal Unsecured Loans

Possibly not, it is feasible to everyone to have the taste of the things around- convenience costs. And for, loans emerge as financial saviour; the lending authority has come with providing the facility at individuals door steps. The personal unsecured loans are such loans which not only evade the borrowers from any kind of property repossession threat, but also contain an ample amount for various personal purposes of an individual.

For, the amount raised by the lending authority under the personal unsecured loans is 5, 000; this amount can be further increased up to 25, 000 too. With the amount, borrowers are free to invest the amount as they wish to. Home renovation and improvement, childrens higher education, infrastructural development at ones business are some of the benefits of the personal unsecured loans. And, borrowers get these benefits for a period ranges in between 5-10 years.

Personal unsecured loans are more expensive in terms of interest rate charge upon, than other loans, and the repayment periods are shorter too. Nevertheless, it should be kept in mind that the interest rates, repayment terms and amount vary according to the financial situation and status, and the credit history of different borrowers respectively.

Due to the growing competition amongst lenders in the money market, candidates offer a good loan quotes. Having taken stock of the different loan quotes, and avail the best rate possible before applying for the personal unsecured loans is a systematic personal plan as to how much amount for an individuals personal loans is required.

Personal unsecured loans are ideal for the following candidates:

Tenants

People living with their parents

Housing association tenants

Council tenants

Private tenants

And for, those who are homeowners, still do not want to hamper placing their any valuable asset as of loans security.

Personal unsecured loans are multipurpose loans and these loans can be utilised for various purposes. Individuals do not need to tell the lenders the reasons for applying for such personal loans. Lenders are always willing to offer such loans instant online without security. The online method saves ones time and energy, and further lacking pledging evades valuation of property, and makes the personal unsecured loans quick processing.

Simon Peyton has done his masters in finance from CPIT. He is engaged in providing free, professional, and independent advice to the residents of the UK. He works for the Loans Fiesta. For any type of loans as Secured loans, Personal unsecured loans, Online secured loans, Unsecured car loan, Bad credit secured loans,Low rate secured loans please visit http://www.loansfiesta.co.uk Almire Blog71895
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Mortgage Payments Vs Rent Payments

There is an age-old debate on whether or not it makes more sense for people to rent or buy. Though it is hard to really understand why there is a debate at all. You will definitely hear arguments from both camps that appear logical but if you do a little digging you may find that some of the arguments are thin at best.

The simple fact of the matter is you are always better off making a mortgage payment over a rent payment if you can afford to do so. It is not uncommon for mortgage payments to actually be lower than many rent payments are. So the key is to understand an important, fundamental difference between making a rent payment and making a mortgage payment.

Rent payments are made on a monthly basis for the most part. That money gives you the right to live in the house or apartment for the specified period of time, typically one month. You receive no other tangible benefits from that rent payment. It does not improve your credit score, it does not produce equity, it simply gives you the ability to live in the residence.

A mortgage payment, first and foremost, also gives you the ability to remain in the residence, however, it does much more than just that. First, the mortgage payment helps you build equity in your home. Equity is the difference between what you owe on the property and what the property is worth. That equity can be used for many things including debt consolidation, home improvements, extra funds, etc. Equity becomes a powerful tool in your overall financial plan.

Mortgage payments also include interest payments which can be tax deductible, helping your overall bottom line at the end of the year. Rent is not tax deductible in most cases. Your mortgage payments will also help improve your credit score if you continue to make payments on time. Mortgage payments are tracked if your lender reports the loan, which most lenders typically do. Your overall financial outlook can improve dramatically with an increased credit score resulting from on-time mortgage payments.

Some will argue that you are tied down to a home if you buy it, while renting gives you more flexibility. Though it is important to remember that if you rent a residence you are typically obligated for a specific period of time, typically a year. If you own a home, however, you are able to sell and relocate any time you wish, or you can rent the residence and relocate any time you wish. This is an important and fundamental difference between the two. It is true, however, that how quickly you are able to sell your home will depend on the location, its value, its condition and the market at the time of the sale. You do have the flexibility, however, to sell anytime you find a willing and able buyer.

One time where renting may seem like a more logical choice than buying is if you are going to live in a particular area for only a short period of time. In order to determine if it makes sense to rent or buy in this type of situation you really need to analyze your overall financial plans. You need to get a full understanding of any and all costs associated with you buying the home, the likelihood you would be able to sell it or rent it when you were relocating from the area, etc. For some, even in a short term situation the better financial decision may be buying, especially if they are able to rent it and build equity on their tenant. This may, however, impede them buying a second home, though if they have adequate credit and income they may not have any problem buying the second residence as well.

It is difficult to come up with a scenario that makes renting the clear cut right decision. It seems in most situations buying, if an option for you is the better decision financially. Though consulting with a mortgage professional is the only real way to help determine these things as they can give you a clear understanding of what is and what is not possible for you. Your financial advisor can also assist you in making this decision.

Owning your own home has many non-financial benefits as well, however, only you can evaluate those. You know what is and what is not important for you. You know what obligations you are comfortable having and which you are not. The key is to evaluate your personal situation rather than listen to those who are convinced that one or the other is right for you.

Max Hunter is the author of many credit related articles. If you are looking for help with Home Loans or any type of credit issue please visit us at http://www.homeloanave.com Ariel Blog80687
Alexandrina Blog871

Beware The Overseas Property Scammers From Hell!

A property scam story in the UK Daily Telegraph recently has highlighted, yet again, the need to be cautious when dealing with prospective cash purchasers abroad and has prompted me to relate a similar tale that happened to us.

The Telegraph story concerned a lady who was selling a property in France and who had a buyer offer her more than the asking price over the telephone without ever seeing the house. (Alarm bells should already be ringing!)

This buyer then sent her an international money order including an extra 12,000 to cover his legal costs which he asked her to send on to his lawyers once the money order had been credited to her account. Of course, as soon as the money order went into her bank and was shown as a credit her buyer was on the telephone constantly to transfer the 12,000 so as to get things moving quickly.

She, very wisely, refused to do this until the money was actually cleared into her account. It is not widely known that just because a money order or bank draft is credited to ones account it does not mean that the funds are cleared. (This, I think, is yet another glaring fault of the banking system - but thats another story.)

Sure enough, after the ridiculous wait of ten days the money order bounced and her bank was very quick to remove the credit from her account. Her buyer was never heard from again! Had she succumbed to the pressure she would now be a lot worse off. Fortunately she had the sense to wait and in so-doing foiled the scammers.

Our story is a similar scam but a very different method. We had a property for sale in Fuengirola, southern Spain last year and were approached by a man who was looking to buy investment properties in our area. He at least came to see the property and tried to look the part of the businessman that he purported to be. (Shame about the cheap suit and the ridiculous Panama hat!)

He went away to confer with his business associates and said he would telephone us in a couple of days. This he did and, good news, he would like to go ahead and purchase our property. Unfortunately, because of his business commitments he couldnt come back to the house so could we meet him at his hotel in Torremolinos? At this point we had nothing to lose so off we went the next day.

We rang him as we got to the hotel and he was too quick to meet us on the pavement outside and suggest we go to a nearby bar to have a drink and talk over the deal. After a cursory attempt to haggle he agreed to our asking price of 455,000 euros and we shook hands on the deal. There were just one or two small details to work out!

Firstly, because of tax reasons, he would be making the purchase through a colleague in Belgium who would do all the necessary money transfers and sign all the paperwork. No problems so far, it didnt worry us whose name was on the deeds.

Next he wanted to pay 200,000 by bank transfer and the balance of 255,000 by cash. Now, while this is not unheard of in Spanish property deals, thats an awful lot of black money. We carried on listening.

Ah! But the cash he has is actually only in sterling so he would give us the equivalent in sterling plus 10% for our trouble. Were starting to lose interest now but we kept him going.

Just one small problem. For tax reasons (again?) he cant get to Belgium to pick the money up so could we go and pick it up ourselves and once were back in Spain with it he would make the transfer of the other 200,000 from his office in Monaco. He makes a point to remind us that hes trusting us with his 255,000 euros in cash as a goodwill gesture to show hes serious. Were finding it hard to keep a straight face at this point.

The best he saved until last. His Belgian colleagues fee for processing the deal is 45,000 euros in cash but he wont accept the equivalent in sterling because it would be too risky to change that amount overseas.

Our man then said that he would add this 45000 euros (plus 10%!) to the previous euro figures making a total amount of 330,000 euros to collect in pounds sterling (approx 235,000) and giving us a 32,500 euro profit over the asking price.

So if we could just take 45,000 euros cash (of our money) to Belgium with us to hand over to this man, once he has handed over to us the 235-odd thousand pounds in cash of course, then everything will be tickety-boo! Believe me, he was quite serious.

By this time we had completely lost interest and just wanted to go and do something else. Anything else but listen to this idiot! We made our excuses and said wed think about it over the weekend. I know its not funny but we had to have a chuckle on the way back to the car.

Sure enough, on the following Tuesday he was on the telephone asking when we would like to go ahead with the deal. But if we cant act quickly he would move on to the next investment property and the opportunity would be lost. I cant recall what I said to him but Im sure it had something to do with that old sailing term, chucking anchor!

I sincerely hope that no-one out there has had the mis-fortune to come across this odious little man and been taken in by his preposterous proposition.

In matters of property abroad, my only advice is this: Be alert, be aware and unless the moneys up front and sitting in your bank, dont believe a word anyone says to you.

Especially sweaty, Monaco-based businessmen in ill-fitting, cheap suits.

Steve Lean is a writer, photographer and Spanish food nut. He lives in Andalucia, southern Spain and is the webmaster of http://www.proper-spanish-tapas.com Here you can find recipes, ingredients and 'everything you ever wanted to know about tapas - the small plate with the BIG flavour!'Alvina Blog99946
Adelind Blog23741

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Tuesday, January 29, 2008

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Permeate Needs with Personal Unsecured Loans

Mortgage Payments Vs Rent Payments

Beware The Overseas Property Scammers From Hell!

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