How to Get the Best Price for a Cruise Ship Vacation on a Budget

Every year, individuals and families dream about taking a vacation. Big plans often lead to downsized itineraries and travels because of monetary limits. This is especially true with a family. However, with prudent budgeting and planning, anyone can have the vacation of their dreams.

A popular dream vacation is on a cruise ship. Most families stop at the planning stages because they often think that such a trip is unaffordable. Some simple steps can improve the probability of this dream becoming a reality.

It all starts with budgeting. Simple steps include:

1)Make a daily spending diary. Write down all the spending that occurs in the household. Bills, groceries, gas, movies, all need to be accounted for. At the end of each week or month, add the expenses and subtract from all income.

2)Look at the list and see which expense can be eliminated or reduced. Get creative. Gas expenses can be reduced by carpooling. Grocery expenses can be lowered by shopping with coupons, warehouse stores, and private label goods.

3)Open a special savings account for your trip. It is best to have a routine. Some individuals find that taking a certain percentage from their paycheck and depositing the funds in their savings account works well. Other people take any savings from their expenses and place it into the bank. For example, movies can be rented instead of going to the cinema. If it costs a family $50 for a theater outing and renting a movie costs $5, the savings of $45 is deposited in the special vacation account.

4)One of the most important steps in the budgeting process is to write down the goal. Describe what type of cruise, destination, time of year, and total costs. The more detailed the writing of the goal, the more powerful the results. Something special happens when goal setting. Once a goal is set, your subconscious takes the best path to obtaining the written details. By the way, goal setting is very effective and should be used in all aspects of your life.

Budgeting and goal setting is just one aspect of making sure the cruise vacation becomes reality. When the savings account balance approaches the desired travel cost, it is time get the best price for the cruise.

1) Contact as many travel agents as possible to get pricing. Some agents only specialize in one or two cruise lines. Often, individual agents get special promotions from cruise lines and the savings are passed on to the traveler.

2) Ask about cash rebates. Some common rebates include free passage for third and fourth passengers, free air fare, flat rates for inside and outside room cabins.

3) Be sure to call the cruise ship company or check their website. Special deals are sometimes found that arent offered anywhere else.

4) Dont forget to check the online travel sites. Get on the email lists to be notified of special last minute deals.

5) If you are adventurous, you can contact the cruise ship company at the last minute to get special rates for unfilled room cabins.

6) Also consider any discounts you may be able to get with any affiliations such as credit unions, triple A, and senior discounts.

In the beginning, it may seem impossible to obtain the necessary funds to go on a cruise ship vacation. However, with prudent planning, goal setting, and budgeting, you can soon realize your dream.

Darren Takenaga is a serious world traveler and is constantly discovering tips and information to help his fellow travelers make their next vacation a lifelong, happy, memory. Visit http://www.TravelShipCruises.com to discover various cruise packages, itineraries, and tips for a wonderful cruise vacation. Email: darren.takenaga@gmail.com The author of this article has authorized its distribution with the requirement that it be published in its entirety, without changes, including the authors resource box.Alys Blog63090
Annamarie Blog1343

Your Life Insurance May Be Worth More Than You Think

Many seniors own life insurance policies that they no longer need or want, or that they can no longer afford. Often, they allow their policies to lapse or cash them into the insurance company for the surrender value. What many seniors dont realize is that their unwanted life insurance may be worth much more if sold to an investor in a life settlement. A Life Settlement is the sale of a life insurance policy by the policyowner, before the policy matures. Such a sale, at a price discounted from the face amount of the policy, but in excess of the cash surrender value, provides the seller an immediate cash settlement.

Life Settlement History

Life Settlement industry evolved out of Viatical Settlements.

In the mid-80s AIDS became an epidemic, A number of AIDS patients were told that they only had a limited time to live. Many of these patients owned life insurance policies. They knew that when they died, their family would receive the death benefit but they needed money today to pay medical bills or enjoy the rest of their lives. In stepped Viatical Settlement companies. These companies purchased policies on terminal patients and sold them as retail investments to individual investors. The AIDS patients got money they needed today and the investors got the promise that when the patient died they would get the death benefit.

The Life Settlement Market

In the 90s the Life Settlement market was born as companies and investors turned towards buying unwanted life insurance policies from seniors. According to Sanford Bernstein, the industry grew from $0 in the mid 1990s to approximately $13 billion in 2005. Bernstein estimates the life settlement market will reach $160 billion over the next several years. The penetration rate is expected to exceed 20% as awareness and the size of the market is increased over the next 20 years.

Life Settlement Case Studies

Below are some real life case studies that illustrate ways that others have used life settlements to increase their net worth:

Case 1:

Settlement Frees up $966,000 in Cash for Annuity purchase

 This case involved an 82 year old female who owned several policies totaling $4.6 million. She no longer wanted to pay premiums for the insurance and was going to accept the cash surrender value of $236,548. Her intent was to use the policies cash value to help fund the cost of an assisted living facility.

 Her advisor recommended a life settlement for each policy, and she agreed. Ultimately she received a settlement of $966,000 more than 400% greater than the cash surrender value and used those funds to purchase an annuity. The annuity payments now help cover the costs of the assisted living facility.

Case 2:

Settlement Proceeds Stabilizes Trust

 This case involved an 81 year old female, owner of a $5 million life insurance policy with a surrender value of $196,866. Since the insured had lost interest in maintaining the policy and no longer wished to make gifts to the trust for premium payments, the cash surrender value was rapidly depleting as premiums were being deducted from the cash value. Working with her financial advisor they conducted a review to determine whether the policy should be surrendered or whether a Life Settlement would be more advantageous. The advisor provided an offer of $556,000 over three times the cash surrender value.

Case 3:

Settlement Allows Policyowner To Purchase Paid-Up Policy

 A 78 year old male decided to allow his $1,250,000 policy to lapse. He had significant medical expenses and could no longer justify the $39,536 annual premium. After reviewing the available options with his advisor they decided to pursue a Life Settlement. He was able to secure an offer of $490,000. The policyowner and advisor decided to use some of the proceeds to purchase a paid-up $500,000 policy and the remainder helped to ease the burden of the policyowners medical costs.

Case 4:

Policyowner Makes $797,000

A 74 year old in good health purchased a $10mm Life Insurance Policy. He paid-$536k for two years of premiums. After the policy is two years old, he sold the policy for $1,333,333 in the secondary market representing a $797,000 profit on his investment.

If you are 70 and over, and have an insurance policy that you were going to get rid of anyway, you owe it to yourself to explore whether a life settlement might be a better option.
Matthew Tuttle, CFP, MBA, is President of Tuttle Wealth Management, LLC, in Stamford Connecticut. He is also the author of Financial Secrets of my Wealthy Grandparents. For more information, or to sign up for his free newsletter please visit http://www.matthewtuttle.com.Alison Blog271
Aurel Blog96291

Business Finance & Financing Decisions

The goal of corporate 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 company's 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 company's 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 firm's 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 company's 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.Angelita Blog25212
Aleda Blog4968

Why Your Writing Time Is Worth More Than Money

I used to think that everything in my life was geared around saving money. Even when it came to my writing I would rather waste time doing things the long way rather than spend money that would help speed my career along.

Bu then something happened that made me realise that my writing time is worth far more than money and now my time is much more profitable.

The thing that happened was Nick Daws Quick Cash Writing course. Id been receiving Nick Daws Ewriter Newsletter for a few months when he started mentioning his Quick Cash Writing course. I took a look at his sales page for this product and saw that it came with a 60-day money back guarantee and that the course promised that I could earn 30-times the cost of the course by the time Id finished it.

So I reluctantly parted with my cash and downloaded the book. Once I started reading it I couldnt wait to get started and began the course with great gusto.

By the time I was halfway through the course I realised that the initial promise of earning 30-times the cost by the time Id completed the course was wrong because Id already done it.

I was totally hooked on this course because it made me start writing, told me where to submit my work and kept me writing more. The cheques were rolling in and I was extremely happy.

So then I decided to try Nick Daws other course, Write Any Book in 28 Days or Less. Again I began the course with the same amount of gusto and 4 weeks later I sat looking at my manuscript which was pretty amazing considering I didnt even know what I was going to write about when I started. Since then my manuscript has been edited, finalised and has now been sent to my agent.

But I was now an addict for downloadable products because now I knew how much time I could save (Id never had written a book in 4 weeks without the course) and how much money I could earn (Id never been so motivated to write so much without the Quick Cash Writing course, which Ive done several times now).

So then I spent more money and bought Jim Edwards Write and Publish Your Own eBook in as Little as 7 Days, which I also did and the eBook has been very profitable indeed and Im now writing my second.

I also bought Jim Edwards Affiliate Link Cloaker so that none of the visitors to my website could tell which links contained my affiliate code which stopped my website looking like a sales pitch and which increased my sales.

I then also bought Article Submitter which helps me submit all my articles to article directories in minutes which was a job that used to take hours.

But then I made the ultimate and most expensive purchase and it wasnt even downloadable or related to writing in any way. I bought an iRobot called Roomba and it runs round my house on its own and vacuums the carpets, rugs and floors while I write.

Does Roomba make me lazy? No, I dont think so. Vacuuming in our house takes a long time because with 3 pets there are a lot of animal hairs around that can be difficult to pick up, but Roomba is built to be especially good with picking up pet hairs and so it is. Ive now gained extra hours to write each week.

But the whole point Im trying to make here is that in my opinion, my writing time is more important than money. In fact Ive discovered that, through careful selection of products, the more money Ive spent the more Ive earned.

Thanks Nick. Thanks Jim. Thanks Roomba.

Ruth Barringham is a freelance writer and runs successful websites at http://www.writeaholic.co.uk and http://www.workathomeaholic.com.Ardath Blog30445
Anselma Blog25644

The Shawshank Redemption (DVD) Review

Nominated for seven Academy Awards including Best Picture, The Shawshank Redemption amazingly failed to win a single Oscar. Its amazing because its probably one of the top ten best films ever produced. Based on Stephen Kings short story Rita Hayworth and the Shawshank Redemption, the film transcends the typical intellectually and spiritually bankrupt Hollywood entertainment of the modern era with an onscreen artistry that is the closest well probably ever see to poetry in moving pictures. With masterful performances by Morgan Freeman and Tim Robbins, audience members will find themselves engrossed in a tragic story wrought with suspense at every turn.

The Shawshank Redemption focuses on the life of Andy Dufresne (Robbins), a prominent banker convicted of murdering his wife and her lover. Sent to Shawshank prison in the summer of 1947, the inmates bet on which of the new arrivals will be the first to crack. Ellis Red Redding (Freeman), an institutional fixture and the man who can provide anything for a price, puts his money on Andy. But much to his surprise, Andy doesnt make a sound.

Over time, Andy and Red develop a close friendship, and Red procures a small rock hammer for Andy. As the years go by, he procures other items as well, the most interesting being Rita Hayworth. Red acquires a poster of the screen siren for Andy, and business continues as usual in Shawshank. Along the way, Andy ingratiates himself with the notorious prison guard Byron Hadley (Clancy Brown) and Warden Samuel Norton (Bob Gunton). Putting his outside skills to good use, Andy provides tax advice and tax preparation services to guards not just at Shawshank, but other prisons as well.

Eventually, in exchange for a comprehensive prison library, he ends up running a massive money laundering operation for Norton leveraging prison labor in exchange for lucrative kickbacks. But all goes awry when Shawshanks newest prisoner, a young punk named Tommy (Gil Bellows) comes forward with shocking information. Andy, whos spent twenty years in Shawshank prison, might be innocent after all The revelation ruins lives and destroys Andys prison sanctuary, but its Warden Norton and his associates who are ruined when the beautiful pin-up Raquel Welch reveals her hidden secret.

Directed by Frank Darabont, producer of such hit films as The Green Mile (1999) and The Majestic (2001), The Shawshank Redemption is a film of absolute breathtaking perfection that ranks near the top of most lists of the best films ever produced. Thomas Newmans musical score, reused in countless films in the years since its release, blends together with brilliant casting, memorable screen performance, and masterful set design to create an unmatched and timeless epic. If you havent seen The Shawshank Redemption, you arent just missing out on a great film, but a great life experience as well. Do yourself a favor and see this movie.

Britt Gillette is author of The DVD Report, a blog where you can find where you can find more reviews of movies and TV series. Source: http://thedvdreport.blogspot.com/2006/02/shawshank-redemption-dvd.htmlAidan Blog81754
Albertine Blog62377

How to Make Money on the Internet

You need a simple, doable, repeatable and workable system that is all set up and in place and that offers to show others how to make money on the Internet and which makes money itself. The simpler, more doable, repeatable and workable, the better. This a very key point of attraction to those looking to make money on the Internet. Therefore, you have to promote THIS as what you have to offer.

You see, people are not likely to respond to your offer to join your downline to make a six-figure income or some such offer even though that's what everyone wants. Those offers can be found almost everywhere and yours is likely to be received with the typical of attitude of Oh, Ive heard that one before, and it's likely to be rejected or put on the back burner (which usually means never) as can happen so ofteneven if it's SO LOGICAL to accept your offer because it is TRUE they can make so much money. If only they would just do it. It gets to be so you can't believe how stupid and/or blind some people can be sometimes.

Ok, if the people you contact seem to be acting like social pack creatures who are looking for some leader to follow who is not you, how do you get their attention so you can point the way? Well, believe it or not, PEOPLE WOULD RATHER LEARN HOW TO DO SOMETHING THAN ACTUALLY DO IT.

So, the answer is not offering a six-figure income, but offering a solution as to HOW to make money with a very simple, doable, repeatable and workable system that is all set up and in place (that is also very inexpensive but has tremendous potential returnsbut never putting that up front as the sales pitch) AND also pass this advice along to others AND tell them to tell others to do the same, etc., THEN you will create a downline that will create more downline, AND SO ON.

So, where do you find a very simple, doable, repeatable and workable system that is all set up and in place that offers to show others how to make money on the Internet and which makes money itself? You can use these two: http://freedom.ws/timottavi/show_dvd and http://delta.ProWeatlthSuccess.com Go ahead and look at them and you will see that they are very simple, doable, repeatable, workable, very inexpensive and offer tremendous potential income streams for the rest of your life. (And you can probably even bequeath them to your survivors!) When you sign up with these links, you will get your own personalized links.

And how are you going to pass along this advice to create a downline that will create more downline, AND SO ON? Well, right now I am giving you permission to use this article, just as it is, from top to bottom including these words you are reading right now: Put your links in place of mine and put your name and email ID in place of mine at the bottom, save a copy and send it out or use it however you want to create your own downline. This article will be used again and again by those you send it to for sending out to others with THEIR links and names on it which will create more downline, AND SO ON.

This is now all in place for you to make money on the Internet. Go ahead, you have the lead for others to follow.

Tim Ottavi
timottavi@optonline.net

I, Tim Ottavi, officially give you, the reader of the above article, permission to use it as you wish and as your own to pass it on. Aurelia Blog78332
Babs Blog53243

No Faxing Payday Loan Emergency Cash in 24 Hours

A payday loan is made even more convenient with the no faxing feature that lenders offer. As the term suggests, the borrower will not be required to fax documents and requirements in order for the loan application to be processed. This is most welcome for many borrowers who are not quite comfortable in divulging too much personal information or are not ready to provide the documentary requirements.

It can be a tedious task to bring or send a bunch of documents such as bank statements, phone bills, pay stubs and more. No faxing payday loan does away with the hassle of paperwork, faxing and waiting in line. The borrower would only be required to fill out a secure online application application and the cash that is needed may be provided by the next business day. However, in cases where the lender is unable to verify application information or when required by law, documentation may still be necessary.

Borrowers should not be careless in shopping for a payday loan just like in traditional lending. It would not be wise to apply at every online payday loan website (http://www.e-paydayloan.co.uk/apply.html) or store driven by. This is because credit scores tend to go lower as more applications are filled out.

The absence of a direct deposit paycheck may present some problems. Most payday loan providers find paper checks too risky. Lenders also seldom grant loans to persons with no checking accounts. The monthly income will also be considered first as a minimum requirement and in the calculation of the loanable amount.

The no faxing payday loan(http://www.e-paydayloan.co.uk/faq.html) can help whenever an immediate or urgent need arises. Reputable lenders charge competitive fees that are in compliance with applicable laws. The services offered by some lenders can be very impressive as borrowers go through a quick and easy process.

Many people are facing a financial crisis in their lives. It may be caused by personal or family illness, unpaid bills or unchecked overspending. Situations can be very overwhelming but need not go from bad to worse. With a strong resolution and action to overcome the crisis, the no faxing payday loan can provide the necessary push with the least of stress.

Creditors can be managed as long as they are directly dealt with. Waiting until such time when accounts have already been turned over to a debt collector may be too late. When this point has been reached, it is a sign that creditors have given up which could make the situation worse for the borrower.

David Steve has been associated with Payday Loans UK (http://www.e-paydayloan.co.uk) After completing his Masters in Finance, he is providing his useful advice through his articles on finance for the residents of the UK. Babs Blog53243
Aurelie Blog4731

Google Cash Frenzy

Google, sometimes referred to as the Big G, has once again proved to the world that it still is the dominant and greatly profitable leader in the Internet search market. Recent reports indicate profits are up 110% to $721m in the three months to June 2006. Much of these Google profits come from their clever and very successful advertising program called Google Adwords.

Google, essentially a search company, had gained market dominance through smart ranking technologies that provided the user with the most relevant search results ever possible to date. Its simple user interface, coupled with smart algorithms combined with a snappy name and logo has made it the most used search engine today, putting itself years ahead from its closest rivals. A listing for a targeted search term in the first page or two of Googles organic listing is every webmasters dream. This means huge success in terms of traffic, sales and hence money in the bank! But, unfortunately, it is not possible for every website to be listed on the first page or two. Google saw the potential for offering paid listings that will appear alongside organic results for a search term. In this way, a webmaster can still get his website onto the first page or two under sponsored listings but for a price. Google launched their pay-per-click program an advertiser only pays when someone clicks their ad, called it Adwords and the rest, as they say, is history!

Google then followed up with a progam called Adsense which is linked to Adwords. Adsense is where any ordinary webmaster (called a publisher) can display relevant ads from Googles advertisers on their site. When a user to that site clicks an ad, Google pays them a percentage of that click cost.

Google, by its very existence, has given webmasters a chance to earn money in ways that wouldnt have been possible. Currently, people make cash out of Google by using Adwords and/or Adsense. Thousands of ordinary people are sharing in on Googles success and profits, making for themselves nice checks every month in the process. Lets see how.

Adwords

Adwords are used by off-line and online businesses alike to advertise their products or services. But, for ordinary people, thats not where the money is. Thousands of people are combining the versatility of affiliate programs with the reach of Adwords, making themselves a lot of money in the process.

People search for products that they can promote and more people turn to www.clickbank.com for this. Clickbank, a large Internet company, acts as reseller, payment processor and affiliate commission payer all in one. It works like this. A publisher, wanting to sell his/her products signs up with Clickbank and enters Clickbanks marketplace. Affiliates wanting to promote the publishers products, signs up with Clickbank first as an affiliate and obtains an ID which is used in a special link called a hop link.

The affiliate then markets the publishers products by way of advertising, especially on Google Adwords (but can be by any other means although Google Adwords produces best results) in an effort to drive traffic to the site of the publisher. If the referral results in a sale, Clickbank processes the transaction, takes a percentage of the sale, allocates the commission to the affiliate and the balance to the publisher. Clickbank pays affiliates and publishers every two weeks.

This appeal and popularity lies in the fact that affiliates dont need to have a product or website of their own and the commissions offered are very generous, sometimes as high as 75% of the product price. Affiliates also have the luxury of marketing a number of products from different publishers all at once.

But, a word of warning. Adwords is a bit intricate and very few people understand the system fully. If you dont know what you are doing, you can lose a lot of money in a very short space of time. My advice would be to learn the system thoroughly, try a few small test campaigns and tweak as you go along. Never spend more than what you feel comfortable with and intensify your campaign only when you see positive results.

Adsense

Here, publishers on Googles Content Network receive a commission when someone clicks on Google ads on their site. When an advertiser advertises with Adwords, he is given a few options. He can advertise on Google Search ads appear as sponsored results alongside organic search results when users search using Googles Search Engine, Google Search Network ads appear on Googles search partners and Content Network independent websites that host Google ads ie. the Adsense sites we are talking about.

Participating in Google Adsense is relatively easy. You simply sign up for free at Google and when your site has been approved, you will be given Javacript code that you place on your website. Google provides publishers a range of options when it comes to ad sizes and colors in order to complement their sites design and theme.

There are numerous tips to increase your Adsense revenue too numerous to mention in this little article but Ill tell you the most important ones. Firstly, build a website for the user and not Adsense. Put quality, fresh content that is relevant to your website and not duplicate, trashy content. Google is clamping down on sites made just for Adsense that offer the user no real benefit. Secondly, optimize your web pages correctly. Lastly, concentrate all your efforts on getting good, regular traffic to your site - after all, if no one visits your site, who will click on the ads?

Yes, making money with Google is possible but wont happen overnight. Continuously research and test but most of all go slow, put in some hard work and keep up with it! All the best!

Copyright 2006 Anwar Ahmed Ally

Anwar Ally has been in the work at home industry for over 18 years. He is the founder of: http://www.thehomeworker.org and blogs at: http://2work-at-home.blogspot.com.Aubine Blog47562
Ardra Blog66532

How to Save Money on Small Business Software

If you operate a small business, price will almost certainly be a factor when purchasing new computer software. Although it should not be the only thing you take into account, theres nothing wrong with coming up with creative ways to save money on business software.

The majority of companies (even small ones) use more than one computer for commercial purposes, meaning that they will have to purchase more than one software license. Most major software providers, including Microsoft, offer some kind of open licensing program, which allows buyers to obtain volume discounts when purchasing applications for several different computers.

Aside from cost, another advantage of open licensing is that you wont have to deal with multiple sets of disks and software boxes. You are provided with a master set of disks, which can be loaded onto the number of computers that the license specifies.

Another point to consider in your quest to save on software is technical support. Try to purchase applications from a vendor that offers favorable support terms, including free installation assistance support for the first few months. Once this support period expires, its a good idea to encourage your employees to find numerous sources of tech support, rather than immediately calling the vendor. Internet newsgroups and forums, for example, can be highly beneficial and a great place for your employees to learn.

Jeremy Maddock is a professional web-based entrepreneur who owns and operates over 20 sites, including http://www.corporatesoftware.info/Alys Blog69387
Aleda Blog13951

Zyprexa Lawsuit Loan! No-Risk Legal Finance!!

Plaintiffs involved in pharmaceuticals lawsuits like Zyprexa and Fen-phen etc, can now get Lawsuit cash advances. 99% of plaintiffs involved in lawsuits dont realize they can get Legal finance while they are waiting for their settlement money.

Zyprexa (olanzapine) is a second generation or atypical antipsychotic medication produced by Eli Lilly and company. Zyprexa was FDA approved for the short-term treatment of acute manic episodes in bipolar disorder.

In 2003 the FDA required that the class of drugs known as atypical antipsychotic, including Zyprexa, include warnings about increased risk to patients of development of diabetes and hyperglycemia. In 2004, a federal prosecutor announced an investigation of Eli Lilly, in relation to the techniques it has used to market Zyprexa.

To date, over 16 million people have used this drug. The FDA has identified there have been 384 reports of diabetes Zyprexa side effects, including 23 deaths. There have been many questions regarding the popular drug Zyprexa and its safety. The potentially fatal Zyprexa side effects have resulted in Zyprexa lawsuits.

A risk free source of financing is now available for plaintiffs involved in Zyprexa or other pharmaceutical lawsuits. It is called lawsuit funding or often referred as Lawsuit Loans, Pre-settlement financing, Legal finance, or a Personal injury settlement, but these are not loans because the money does not have to be paid back unless the case is won or settled. These are non- recourse Cash Advances. It carries no risk because plaintiffs pay only when they get their settlement money.

It doesnt seem fair. Even if you win your Zyprexa litigation, the money you get may come too late. You need money now! Legal finance or so called Lawsuit loan can help you buy some time with a cash advance on your pharmaceutical drug litigation settlement.

Pharmaceutical drug litigation can take years to settle, which can be a problem if youre sick or are unable to work. You can have a solid pharmaceutical drug litigation claim and a strong legal team, but the drug companies have deep pockets. Without a cash advance to pay your bills and other expenses, you may have to take a low settlement offer for your pharmaceutical drug litigation.

The process to receive Zyprexa Lawsuit funding or Legal finance is risk free & simple. Plaintiff may have a bad or no credit. There are no monthly payments. The total process is confidential, prompt and discreet:

1. The first step is to complete an Application Form.

Making an application is free and there is no obligation. Approval is fast.

2. Plaintiff authorizes attorney to release case information to underwriters

3. Quick and thorough underwriting process to qualify client.

4. If approved plaintiff completes funding agreement

5. Bank check delivered to Plaintiff

6. Plaintiff pays back upon successful settlement/verdict of case

They can use the cash advance in any way they like. They can use the money for living expenses; pay their bills, mortgage/ rent / car payments, medical treatment, education expenses. As a matter of fact use it any way they like.

Paul Sherman is a Legal Funding Consultant. He offers free, professional and independent advice to Individuals, Business owners, Seniors and Attorneys. To secure a Lawsuit funding or Structured Settlement funding please visit: http://www.easylawsuitfunding.com.Annamarie Blog1343
Alleen Blog89982

You Need To Go On A Cruise!!

Introduction

Those of you who have been lucky enough to have the opportunity to go cruising already know what a wonderful experience a cruise can be. Indeed, its more than likely that you probably rate every vacation you take now against the standard set by your cruise.

Even if youve never been on a cruise the chances are that youve thought of taking one. Unfortunately, deciding to go on a cruise is the easy part. After that you will have a number of important decisions to make to ensure that you pick the perfect cruise for you.

So what is my perfect cruise?

The most important decision you will face after you decide to go on a cruise is where you want to go. When people think of cruises they usually think of the big cruise ships in the Caribbean. Just imagine all that deep blue water and the sun shining down while you sit on the deck and enjoy cocktails. Ahhhh nice, and while that can be a lot of fun, you should keep in mind that you can go on cruises to almost any part of the world. Take a cruise through the Panama Canal, around the Indian Ocean, or follow the western coast of Africa into the Mediterranean.

Keep in mind that you are not just picking which part of the ocean youd like to see. Almost all cruises will allow you to make side trips inland when the ship stops at a port of call. This can be either on your own or as part of an organized tour group. If you have always wanted to visit Australia try combining a trip to Australia with a cruise around the Pacific Ocean.

You should also make sure that you can find a cruise that will give you the experience you want. Obviously, a small cruise ship touring around the coast of Alaska will result in a very different experience from a large cruise ship meandering leisurely around the Mediterranean. While there are major differences in the cruising experience, this is not just about picking the right kind of climate for your trip. If you are looking for all night parties and poolside drinks, go on the Mediterranean cruise. If you want a more relaxed trip, curled up under blankets and whale watching, go on the Alaskan cruise.

You should also remember that certain cruise lines focus on different types of customers. There are cruise ships that will cater to those who want to spend all night drinking and dancing, there are cruise ships that focus on retirees and there are cruise ships that cater to a variety of tastes. Families should look for family-friendly cruises. These family-friendly cruises will have childrens activities and places for teenagers to hang out. The Disney Cruise line specializes in family style cruising.

How much will my ideal cruise cost?

The level of service you will receive is the biggest factor in your final price. Check www.funcruisewed.com for some good bargains! If you are on a tight budget, avoid the high end luxury cruise. Instead go with a premium or even mainstream cruise. The location and size of your cabin will also make a difference. If you are really tight for cash, take a small cabin on the inside of the ship. While your food and cabin may not be as grand as fellow passengers on the exclusive decks, you will at least still be able to afford the airfare home. And you will have the same experiences as the higher paying passengers.

If you can afford it feel free to treat yourself with a luxury cruise and enjoy all the amenities that come along with staying at a fancy hotel. Except this hotel goes to many different and exotic places!!

What do I need to do before I leave on my cruise?

While cruises are often all-inclusive, there are a number of things you should confirm before leaving home. First make sure that the cruise ship is aware of any special dietary or smoking restrictions. If your cruise ship will be coming into port, inquire if you need to book any shore excursions in advance. And most importantly, ensure that you have a way to get to the starting point and back again when the cruise is over. Some cruises do not end at the same port that they departed from. Ending a wonderful cruise by being stranded at the ships last port of call is not the best way to enjoy your holiday! Spending a few days in the last port of call before returning home will top off the perfect end to the perfect vacation. Happy cruising!!

Steve Dolan is a happy cruiser and love to take exotic vacations. Find out all about cruising at http://www.funcruiseweb.com.Amalea Blog69201
Annmaria Blog62385

Tips To Identify And Avoid Online Dating Scams

Online dating can be a very satisfying and rewarding experience. The majority of people who use dating websites encounter only minor irritations, most of which could easily occur within any dating scenario offline aswell as online.

In this article I want to help you identify and avoid the various online dating scams that have sprung up to not only deprive you of your money, but also your happiness. After all, being scammed or taken for a ride is a pretty miserable experience.

Scammers can sign up to most dating websites for free, and because of the anonimity of the internet they can post the perfect profile with no-one asking questions or becoming suspicious.

The first thing that you should watch out for is people asking for money. This usually takes the form of women asking men for money, but in any case how do you know that she isn't really a he or vice versa? They have a picture with their profile that could have been borrowed from anywhere, a profile that could have been written by anyone man, women or trained monkey. You communicate by email because she says that the phone isn't working, or she gives you a phone number that she never answers. She is reluctant to give you her address, or gives you a post office address where she can be contacted.

They talk a lot about themselves and never answer your questions, probably because they are sending a standard email to dozens of people. They never ask for money straight away. They will form a relationship with you first and then ask to meet you but they don't have the money to travel, or they have a serious medical condition but don't have the money to pay for treatment.

If you have met someone online and want to make sure that the address you have been given is valid, why not send flowers or some other small gift? The initial outlay is small and if it can't be delivered you have your answer. If it can be delivered, the gift will be well-received by your potential partner and will be money well-spent.

Anyone seeking to part you from your cash will only use an anonymous payment provider such as Paypal or Western Union. They will never share their bank details with you, and under no circumstances should you share your bank details with them.

Another scam to be aware of is someone who immediately asks for your email address. Once you give out your address you are swamped by spam and never hear from that person again. It is very difficult to avoid this scam as email is your initail point of contact, but it might be a good idea to use an anonymous email account, such as Hotmail or go.com, until you are confident that the person with whom you are communicating is genuine.

I have outlined a couple of scams that you should be aware of, but remember that the vast majority of people that you meet online will be genuine and looking for similar things to you.

There will always be a few who spoil things for the rest of us, but this does not mean that we should treat everyone we meet online with suspicion. Caution is all that is required because there are always signs to alert us to danger if we know how to identify them.

This article is free to re-publish.

Ian Basford at http://www.online-dating-secrets.org has researched and written an ebook to give a boost in the performance of your online dating experience. Please visit his free ebook and software site at http://www.ebookresource.info and help yourself to whatever you want.Alane Blog74236
Ashlen Blog49726

Immigrant Integration, 6 Ways To Help You Become A Happy And Well Adjusted Immigrant

You are a new immigrant into a country, let's use Canada as an example. You feel like an "immigrant". You don't really want to feel like an immigrant, what you really want is to feel that you belong to this new country. You want to be happy about your decision to immigrate. You want to be a happy immigrant.

What will make that feeling of newness change? What will make you feel at home?

Here are 6 guidelines you can follow that will get you started towards being a fully integrated and happy Canadian.

1 Take English as a second language classes. It is an excellent way to start. You meet other immigrants from all over the world and you will become more comfortable speaking the English language. English as a second language is offered by the area school boards.

2 Play sports. Check the local newspaper to see when and where to register. It's good activity for the body and at the same time you get to make new friends. Language is no problem, and neither is your athletic ability. You can join any group, from lawn bowling to rock climbing, whatever level of activity you like.

3 Get involved with your kids school or activities. Schools are always looking for parents willing to join the Parent Teacher Association. You do not have to have perfect control of the language, there are lots of other activities they need help with. Bake sales, setup or supervision for events. Fundraising, plays.

4 Get a hobby and sign up for a course. Carpentry, crafts, scrap-booking, anything you find interesting. Language is not a big problem, lots of learning is by seeing and doing. Courses are offered at local school boards and at stores. Check the local classified section in the newspaper or contact crafts and sporting stores.

5 Let the kids play sports at the local community level and get involved. It is fun, it is easy and your kids will love you for it. Things you might have to do are being present in the refreshment booth during games, or look after the team uniforms. It is not a full time commitment; you usually do a few turns during the season, not every night. Your kids will develop new friendships and you will meet people your age.

6 Continuing Education. Those courses are offered by local school boards and community colleges. There are fun courses, and courses that will help you become certified in a trade, or get credits towards your high school diploma. Time commitment for the course is different for all courses. It might be one or two evenings per week for a certain amount of weeks, or it might be a full or half day course during the weekend.

Follow these guidelines and you are well on your way to become a happy and well integrated immigrant feeling at home in your new country.

Francine Gielis immigrated to Canada in 1971. She has been an employer, an employee, an inporter, exporter, entrepreneur and long time volunteer. She considers herself a happy, successful and fully integrated and passionate Canadian citizien. You can subscribe to Francine's monthly newsletter about life in Canada from her website http://www.the-happy-immigrant.com/.Andra Blog44132
Alana Blog59006

My Second Real Estate Investing Deal, A True No Money Down Deal

My second deal was a sandwich lease option deal and a true nothing down, no credit needed, real estate deal. I rented the house from the seller with an option to buy, and rented the house to my buyer at a higher rent and a higher price to buy.

You may remember that I did an all cash deal for my first deal. It took several months before I entered my next deal. While I did speak to several sellers and received many leads I was short on cash to do my next deal. I have been self employed most of my life and havent had good credit for quite some time. I have paid my bills on time for several years but havent done well at obtaining the types of credit that strengthen ones credit scores. I had planned on borrowing out the cash I put into my first deal but was never satisfied with what loans I could receive against it and never did put a mortgage on that property.

About three months after the first deal this second deal of mine came about as a referral from a mortgage broker who had contacted me about selling his own property. This referral was a client of his who had to move from Memphis to Minneapolis due to a job transfer. The home was beautiful and required no work. The only money I spent on the house was to have the leaves bagged as it has a half acre lot with mature trees and a beautiful pie shaped lot with 80% of the yard being fenced in the back. The home is 4 to 5 bedrooms with 3 and a half baths with a very nice open floor plan and good solid construction. The area the property is in was being over built by new builders and used homes simply are not selling. The average selling price in our county is around $175k and this home had been on the market for $225k and not selling. Without all the overbuilding in the area it might be worth $245k or more.

When the seller contacted me they let me know they owed $215k and had an $1850 payment including taxes and insurance. All they wanted was to cover the note. I had taken Wendy Pattons course on lease options and I knew that was a strategy I wanted to use. I agreed to cover the note once I had a suitable tenant/buyer and collected funds. I ran my first ads for the property in November which isnt a great rental month. At first I tried to ask for a $6k option fee and $2195 per month rent. Had it been Feb or Mar I may have gotten it. I had little inquiry about the property. I had a yard sign with flyers and pictures online and ran ads in the local paper. Typically I got a call or two a week and had someone look at the property every couple of weeks. I had someone fill out the paperwork and seemed ready to pay their money twice and they couldnt come up with the money and move in. Finally after almost 3 months I had a doctor and a nurse take the property with a $3000 non-refundable option fee and $1950 per month with a $100 credit for each month of on time rent. The agreed upon sales price was $249k which is the best part of the deal for me with a 24 month term on the lease. We did build in for the rent to go up to $2050 after 12 months. This tenant pays the rent on time almost every month and I think in the end they will likely buy the property. Most of the $3k option fee was eaten up with about $1500 in newspaper ads for the house. I make a $100 profit on the monthly rent. While I did spend about $1600 out of pocket I did get the $3000 up front. This is a very thin deal but if the current tenant doesnt exercise the option I think I will be able to go up to $260k on the next tenant and get a bit more rent and option fee.

What you can learn from this deal: 1. I agreed to pay too much rent on this property. $1850 was too much and should have been more like $1600 per month so I could have made better cash flow. I think if I had held out another month I could have gotten more up front and a little more rent. A good rent guideline is to not pay the seller more than .6 times my selling price which would have been $1500 in this case. 2. We filed a memorandum of option on the property title. This shows the world that we have an interest in the property and it cannot be sold or refinanced without our approval. 3. This sandwich lease option only works if the seller has good credit and should continue to do so. 4. This property was really too expensive for a lease option and is much better in my market on a property that would sell between $100k and $200k. 5. It is hard to find sellers who will agree to this but there are lots of them out there, you just have to keep asking sellers to agree to this kind of deal. 6. Lease options are great for selling as you get tax benefits, and multiple paydays.

How many deals like this do you need in your pipeline to close each year to be financially free if each one made you an average of $30k?

David offers a free E-course on quick start strategies at:http://www.FreeRealEstateInvestingCourses.com. Find more about David at http://www.RealEstateTeleClinic.com.Adel Blog53568
Almira Blog82432

Why Your Writing Time Is Worth More Than Money

I used to think that everything in my life was geared around saving money. Even when it came to my writing I would rather waste time doing things the long way rather than spend money that would help speed my career along.

Bu then something happened that made me realise that my writing time is worth far more than money and now my time is much more profitable.

The thing that happened was Nick Daws Quick Cash Writing course. Id been receiving Nick Daws Ewriter Newsletter for a few months when he started mentioning his Quick Cash Writing course. I took a look at his sales page for this product and saw that it came with a 60-day money back guarantee and that the course promised that I could earn 30-times the cost of the course by the time Id finished it.

So I reluctantly parted with my cash and downloaded the book. Once I started reading it I couldnt wait to get started and began the course with great gusto.

By the time I was halfway through the course I realised that the initial promise of earning 30-times the cost by the time Id completed the course was wrong because Id already done it.

I was totally hooked on this course because it made me start writing, told me where to submit my work and kept me writing more. The cheques were rolling in and I was extremely happy.

So then I decided to try Nick Daws other course, Write Any Book in 28 Days or Less. Again I began the course with the same amount of gusto and 4 weeks later I sat looking at my manuscript which was pretty amazing considering I didnt even know what I was going to write about when I started. Since then my manuscript has been edited, finalised and has now been sent to my agent.

But I was now an addict for downloadable products because now I knew how much time I could save (Id never had written a book in 4 weeks without the course) and how much money I could earn (Id never been so motivated to write so much without the Quick Cash Writing course, which Ive done several times now).

So then I spent more money and bought Jim Edwards Write and Publish Your Own eBook in as Little as 7 Days, which I also did and the eBook has been very profitable indeed and Im now writing my second.

I also bought Jim Edwards Affiliate Link Cloaker so that none of the visitors to my website could tell which links contained my affiliate code which stopped my website looking like a sales pitch and which increased my sales.

I then also bought Article Submitter which helps me submit all my articles to article directories in minutes which was a job that used to take hours.

But then I made the ultimate and most expensive purchase and it wasnt even downloadable or related to writing in any way. I bought an iRobot called Roomba and it runs round my house on its own and vacuums the carpets, rugs and floors while I write.

Does Roomba make me lazy? No, I dont think so. Vacuuming in our house takes a long time because with 3 pets there are a lot of animal hairs around that can be difficult to pick up, but Roomba is built to be especially good with picking up pet hairs and so it is. Ive now gained extra hours to write each week.

But the whole point Im trying to make here is that in my opinion, my writing time is more important than money. In fact Ive discovered that, through careful selection of products, the more money Ive spent the more Ive earned.

Thanks Nick. Thanks Jim. Thanks Roomba.

Ruth Barringham is a freelance writer and runs successful websites at http://www.writeaholic.co.uk and http://www.workathomeaholic.com.Ashlen Blog49726
Andromache Blog78434

Inexpensive Tips To Increase Value Of Your Home

Did you know that you could drastically increase the value of your home without having to invest heavily in having your home remodeled or refitted? Yes, its possible! And you wont even have to spend as much just to make it happen!

If you are selling your home, getting a good value for it could prove troublesome. But before you throw in the towel and sell your home for a price way below your expectations, you could try doing some inexpensive renovations to increase your homes value up to 20%. Thats not a bad figure, is it?

Here is a brief walkthrough of the steps you can undertake to make your home worth much more that it is today.

The Kitchen: Bigger is Better

The kitchen is one of the critical areas to address in your efforts to increase your homes worth. Homebuyers are looking for spacious kitchens that are clean, in good repair and have the necessary furnishings for working.

To make the kitchen look more spacious, try installing lights that will make it look brighter. You could also redo the windows to remove clutter and make it spill in more light. This will have the effect of making the kitchen look bigger. Make sure the floorings and the table tops are in good repair. If it is not beyond your budget you could even replace the current flooring with stone or tile, which is a lot better than linoleum that cracks and tears.

Keep the kitchen in good repair. It doesnt cost much to have scratches and bumps fixed. If you have busted fixtures or electrical outlets, have them repaired with good materials.

A paint job will do wonders not just for your kitchen but for the whole home. So consider adding a good layer of paint on your home.

The Yard

Simple gardening would do much to make your home more appealing. Keeping the yard in order, and tending to the garden would result more in a yard that would most likely attract buyers.

To stress the significance of a good yard, mature trees will typically add about $1000 to the value of your home. So imagine the impact of a well-tended garden to the value of your home!

The Living Room

Like the kitchen, living rooms must give the impression of space. Some people do so by installing mirrors. However, this technique is also suited to the bedroom. The little repairs like light bulbs and electrical outlets.

Make sure the living room is airy, a coating of light colored paint, installation of good lamps, and a general cleanliness of the living room will contribute much to this effect.

Bedroom

Like the other rooms, the bedroom has to be particularly spacious, airy and bright. Mirrors are particularly effective at accomplishing this effect. Most five-star hotels have to project an impression of space, and they employ this technique to its full effect.

Make sure the rooms have a sufficient number of electrical outlets. The flexibility this offers will add much to the value of your home.

If you plan to install new surfaces, you might also want to consider using natural materials such as stone, marble, quality wood, and others. Studies have shown that many people react favorably to these materials. They also add a feeling of cleanliness to the rooms.

Make the cabinets and closets as large as possible without making the rooms they are in look cramped, you may have to employ a few illusionary tricks here but the results are astounding.

Bathrooms

Use fluorescent lighting instead of incandescent lighting to provide your bathrooms with a light feel. Installing inexpensive amenities to your bathroom like towel holders, racks, shower curtains, shower fixtures and other will enhance the appearance and appeal of your home.

You can mix, match and experiment with the tips given here. The principle of the whole is that you should make your home look spacious, airy, and light. You should also make sure your home looks different from the other homes in your neighborhood. If you can one up their amenities, then well and good! There are other tricks and illusions you could employ to achieve this tricks that do not have to be expensive at all! So go ahead give your home a good look and start increasing its value today!

The above article was written by Sarah Miller on behalf of http://www.quotecity.com, a buzzing online homeowner and contractor community which allows homeowners to find the right contractor for their home improvement projects! Also check out the QuoteCity Blog for more related home improvement articles and resources at http://www.quotecity.com/articlesAngelita Blog76338
Alys Blog20384

Make Extra Spending Money in time For Holiday Shopping

With the holidays just a few short months away, now is the time to try to get extra cash to spend on your friends, family and maybe even youself. You'll hear all over the news to try and NOT use your credit cards, as interest rates will kill you later. It can be so hard to decide how much to spend on people, and what you can afford without going broke doing it. So what can you do, in order to make that extra money you may need for the holidays? Follow our tips below to help you find that "hidden" cash that you can use now to make your holidays merry and bright.

1. Clean out your house - Look around your house/garage. Do you have anything you don't use anymore, doesn't fit, given as a gift but you didn't want it to begin with? Sell it on eBay. Take your item, do a search on eBay and see what similiar items are going for now. You can do a short 3 day sale, or a 7 day sale, depending on how quickly you need the cash. Take good quality digital photos of your item, and make sure your description covers everything. If your items are quite large, and too expensive to ship, offer a "pick up only" option, to lure those in your area to bid on your item. Be realistic about the price as well. If you start the bid too high, you may end up getting no bids at all. Many times a lower starting bid will start a bidding war in the end between people who have gotten the "auction itch" and now want your item regardless of the price. When I sell on eBay, I prefer buyers who either send me a money order, or PayPal only. It gives you better options in the end.

2. Organize a neighborhood yard sale - Get you and your neighbors together to have a commuinty yard sale. Advertise in the paper for either free, or cheaply, and then more people are likley to come if they see that there are multiple families participating as compared to just one. Make it worth their while. Have coffee and donuts available for the early birds. If they want to talk you down, bargain with them. Remember - you are trying to make extra cash so every little bit counts.

3. Cut out buying coffee/lunch for a month - If you like to have that $4.00 cafe latte every morning, and lunch at the local spot, try bringing it from home for a month, and see how much you can save. Put the money you would've spent that week in a jar. By the end of the month you could have anywhere between $80 - 200 dollars at the end of the month, depending on how much you were spending.

4. Offer your services - If you bake well, or are crafty, tell your friends that you'll make those school cookies, or teacher's gifts for a nominal fee. Some parents may even like it if you delivered those items as well, which you could add to your cost.

5. Look in the paper for temp jobs - if you have the time, perhaps only on the weekend, see if local stores are offering seasonal jobs that would give you extra spending money. Even better would be an employee discount, where you could use your extra cash for gitf buying.

There are many other ways for you to come up with extra spending money for the holidays. Don't let the credit card companies lure you into thinking that you can spend up to your limit. You can easily and creatively have a great holiday season without breaking the bank. Good luck to you all!

S.W. Chadwick has been working in online businesses from home since 2000. She has written dozens of articles regarding entrepreneurial pursuits and online businesses. To learn more about working from home, please visit http://www.dowhatyouloveandmakemoney.com. Copyright 2006, S.W. Chadwick, All Rights ReservedAnnalena Blog84438
Alethea Blog12064

Top Credit Repair Tips

If you're working hard at your job every day, but still face financial concerns, such as bad credit, then you may be interested in getting a credit repair tip or two. Every day there are thousands of people just like you who are dealing with bad credit problems, so youre not alone.

There are many different kinds of resources that help you to find out more information and access the credit repair tip you need to make good on your credit. The first place youd start is doing a basic search on the Internet through Google or Yahoo. Once you do the search, youll find thousands of sites that offer all kinds information on how to help solve your credit problems.

The most obvious tip is to make sure that you pay your bills. Of course, thats easier said than done, but what if you could work out a new payment plan with your creditors? One excellent credit repair tip is to try to figure out a way to work out smaller payments that you can actually afford, even if it is just 5 pounds a month.

Another credit repair tip is to get a copy of your credit report. Lenders look at the length of your established credit. You could hire a company to help and guide you through the steps of repairing it, or you can do it yourself for free. Of course, it may take some time and thought, but in the end you can have peace of mind knowing that you have done your home work and that things are done correctly.

An additional credit repair tip is to look at your credit report and check it for accuracy.

You can get in touch with Experian and get a copy of your credit report for a small fee. Then you want to look over your credit report and analyse the information that is included in it. Check to see if there are any default notices against you. Sometimes you may find that there are companies on your credit report that youve never even heard of, and that you have not had any dealings with.

Often, you could be denied credit due to errors and mistakes on the report that are no fault of your own. When you do spot errors, write to the agency and get in touch with whoever put the information on your report. You may even have to write to your lender directly to solve this problem.

If you are having difficulties getting errors fixed on your report, you have a legal right to contact the Data Protection Commissioner.

Next, look at your accounts with different lenders. Note the length of time you have them. Pay the ones that you can. Other lenders look at how long youve had an active account. This can work in your favour.

Another credit repair tip is to open a credit account if all of the ones you already have are closed and pay on time. This will help your ratings tremendously. With due diligence and dedication, along with this credit repair tip information, you'll soon see your credit become good as new.

Michael Sherriff has produced a product called UK Credit Secrets which shows you exactly how to repair your own credit history instead of paying someone 100's to do it for you. This product is unbiased and unique in the UK. Find out more at http://ukcreditsecrets.co.ukAuria Blog65483
Avrit Blog80602

A Guide to Banking for Students

A bank serves as a financial institution, providing complex financial services, right from the maintenance of deposits to extending credit. A little guidance and initiative help students to improve their personal credit record.

Banking offers the convenience of not having to handle large sums of money, thereby minimizing the chances of theft. Moreover, most of the financial institutions enable you to earn interest on your money deposited in a particular account.

There are a number of bank accounts and financial plans that are specifically designed for students. Today, students handle allowances that take care of all their financial requirements and if judiciously saved, could save them from debt in the future too. It is essential for students to select the right bank.

Tips to select the right bank for students:

The following tips would help students in selecting the best bank for themselves:

- Services offered: It is essential to opt for a bank that meets your specific requirements and serves you efficiently.
- Convenience: Before selecting a bank, you should check the location, working hours and your accessibility.
- Insured federally: Always look for a bank that is insured. The Federal Deposit Insurance Corporation or FDCI insures most banks. It indicates that even if the bank goes bankrupt, you would get your money back, up to $100,000.
- Bank fees: There are bank fees associated with the bank accounts. They charge fees on dropping below the minimum balance, overdraft protection, issue of checks and many more.

Requirements in setting up your banking services:

Financial institutions require you to submit certain important documents, for opening a bank account. They are as follows:

- Your social security number
- A photo ID, like a drivers license, passport or student ID
- Proof of address
- Your signature on a card or form that is maintained by the bank

Essential banking services for students are as follows:

There are student and graduate accounts, with a number of attractive fringe benefits, designed especially for students. Students struggling to excel in their chosen fields usually cannot afford to pay back the money they borrow, within the expected time frame. Banks offer them the facility of special accounts, designed to increase their loyalty to the financial institution in good time.

Some of the essential considerations to be made, before opting for banking services are:

- Student accounts: A student account offers advantages like vouchers and discounts on branded articles and department stores.

- Overdrafts: Overdrafts enable you to pay your university fees without carrying liquid money. Therefore, it is essential to pick an account with an interest- free overdraft limit.

- Overall package: Though, the overdraft limit is necessary, you need to study the overall bank account package offered. You need to check the fees and charges applicable for certain services.

- Support: Before opening a students account, you need to ensure that your account provides you with dedicated support at time of crisis.

You should select a banking service only after conducting substantial research and analyzing the banks credentials.

Joe Kenny writes for the UK Loans Store visit for the best UK loans and offer more information on debt consolidation loans and other loan topics available on site.Adriaens Blog22778
Ainslie Blog38341

So You Want to Save Some of Your Money

I have always wanted to start a magazine like the one I just found. Even have thought about doing a newsletter with the finds that I come across. This magazine has everything that I would include and a few extras.. The magazine is Arthur Frommer's' Smart Shopping and you can also go to www.smartshoppingmag.com.

They have an area in the magazine where people write in about ways to save money, places they've found and other advice. Now one of the letters was saying that there aren't a lot of places online that are easily found and I want to put this letter to its resting place. Here are a few that I frequent; The Frugal Shopper, Frugal Families, and finally FreeLanceByU.

Now with the last one, the lady that owns this site has been features in several articles plus on TV. I have found a lot of great deals like last year I found out that on a particular day IHop was giving away free pancake breakfast. I also found out about a special that was unadvertised that McDonalds had.

Now if you have some sort of medical need and you have an EBay account then look in the section for medical supplies. I am a diabetic and for awhile was on the insulin pump. Supplies can be quite expensive but I found a bunch of them on EBay and saved over 60% of my money. Now if you are selling on EBay then look at Surplus.net or liquidation.com. A lot of these stores that sell closeouts are finding their product on these 2 sites.

If you want a great deal on a computer or an accessory then visit ComputerGeeks.com. They are mainly a wholesale company but sell retail through the site I just gave you. If you resell software on EBay then look at nothingbutsoftware.com. Now if you have an email address then you need to sign up for GoogleAlerts. I have done this on 'saving money', 'frugal living',' Frugal shopping' and a few other terms.

Here's a great money saving tip for any site owner who to get listed on Yahoo without have to pay a few hundred dollars. Get a Yahoo account and on your site have RSS and have your site added to you Yahoo page. This will get Yahoo to crawl your site. This sites main page has a page rank of 4 but yet I never paid for any submission service. I think a lot has to do with the techniques I used to get crawled by the Search engines.. Another way is to do manual submission on the main directory sites. DMOZ is the directory that a lot of the search engines use and you can be listed just by suggesting your site.

Now some things about saving money are just common sense, like tonight my wife was talking about how she has until the end of the month to renew the tags on our Jeep but the DMV requires a legal Birth Certificate. Because she doesn't have this and has waited so long about trying to get one that we now have to pay so much extra for expedited service. Normally we would be looking at a cost of only about $12 but now it's going to cost us about $40 because of the rush. Common sense tells us that we should have either had a copy in a safe place or requested another one several months ago.

Jeffrey Solochek is the Purple Cow of todays writers always adding his own unique wit and humor to everything. http://www.nosugarcoating.infoAnnmarie Blog46147
Alissa Blog70637

Prom: The Night You'll Never Forget And It Didn't Even Break Mom And Dad

My daughter's grade 8 grad is coming up in June and I was eagerly thinking of ways to keep the cost down. Even grade 8 grad is a big time in a girls life. This is a night for my daughter to remember but it shouldn't cost me and my husband a fortune.

For many parents prom is an expensive time of year and families are struggling financially to give their son or daughter the perfect night that they will remember a life time. Well there is no reason why you can't give them that night but on a budget you can afford. I have put together ten tips to help you save a few dollars. Attending a prom doesn't have to cost a fortune. Prom night doesn't have to break us. Girls the memories of prom will not be if you spent 20 dollars to get your nails done or arrived in a limo. The memories will be of who you were in school and the special times that you all shared.

1. The Tuxedo: Boys why bother renting that tuxedo when you can purchase a nice suit that you can wear again for under the cost of renting that tuxedo.

2. Hair and makeup: Girls the cost of hair and makeup is expensive. The boys are lucky they dont have to fork out this one. Hair, Makeup youre looking at an additional 80 dollars. For makeup call your local department store and see about getting your make up done on Prom day, also call around to your local salons and see if they have a package deal that includes both hair and makeup. You can also save money by having your mother put up your hair. Look at some of the styles for prom online and make a fun night with mom practicing the styles before the prom. You could also get in touch with Mary K and plan a makeup party early in the afternoon on prom day and the Mary K host will do your makeup free.

3. Limos: They are nice but they are so traditional and cost a lot. Why not gather a group of your friends together and do something off the wall. Arrive at your prom on the city bus or contact your school and rent a school bus for the evening and have all your friends pitch in.

4. The dress: Girls purchasing a new dress will cost you 200 dollars and for what something you wont wear again or will sit in your keep sake box. Why not shop on Ebay or your local used clothing store and get a dress for under the cost and then just pay the additional cost to have it dry cleaned. You may also want to check around with family and see if they have a bridesmaids dress or maybe your cousin still has her prom dress that you can borrow.

5. The flowers: Purchasing flowers from the flower store is going to cost you around 20 dollars. You can go to the craft store purchase the supplies to make your own corsages and boutonni for half the cost. They are so simple and fun to make. Make a fun day of it and invite your g/f over to make them with you.

6. The photos: Why hire a professional photographer when you can have dad take some nice photos with his digital camera and you can delete the ones that you dont like. Then you can save even more money by emailing them to friends and family.

7. Parties: Save on the big prom party. Gather a bunch of your friends together and have a fun post prom party. Some ideas might be a pool party or a bowling party.

8. The Jewelry: Girls, girls why pay the expensive cost of Jewelry when Mom and Grandma might have their own personal jewelry store right in their bedroom. The sentiments of borrowing something from Grandma will be more special than anything new that you purchase from the store for this special day.

9. The dinner: Save money by having a backyard barbeque or a romantic dinner at home with candles and the works and order take out.

10. Nails and Shoes: If your city has a beauty school, you can make a nail appointment and have a student put nails on you for a discounted price . You can exchange shoes with friends or purchase a nice pear of white pumps that you can wear again and again.

I hope that these ten useful tips will help you save money and still have your unforgettable night.

Rose DesRochers is the founder of Today's Woman Writing Community http://www.todays-woman.net, a supportive online writing community for men and women over 18. Rose is also the founder of Blogger Talk Blog Community http://www.bloggertalk.net, a friendly fast growing blogging portal, offering bloggers support, advice, tools, tips and information about blogs and blogging. More articles by Rose DesRochers can be read at http://rose-desrochers.netAllys Blog15947
Almeda Blog92707

Poor Credit Personal Loan

You could need a personal loan for any reasonto pay medical or college bills, buy or repair your home, buy a car or household gadgets, or finance a vacation or a small business. It is easiest getting a personal loan when you have steady employment and a good credit recordyou can then easily get a loan from your bank. It is not so easy getting a personal loan when you are self-employed, have little or no property to your name, or have just graduated from college. You are considered a bad credit risk. It is most difficult getting a personal loan when you have already been through a bankruptcy, foreclosure, or repossession caseyou are considered a very poor credit risk indeed.

This is where our service at Allworldprivatefunding comes in. We provide a forum for private creditors and borrowers from the world over to get together and find ways to help each other. There are many people all over the world who have been through difficult times, have overcome their difficulties spectacularly, and would now like to help people with their money and advice. There are others who are working and have some savings which they would like to use to make a positive and personal impact on someones life. People who ask for loans on our site may have lost their homes in a natural disaster, lost their businesses due to a sluggish economy, or might be setting up a small business after being made redundant. Our creditors and borrowers could be from any part of the world and from any professional background.

If you have problems with poor credit, and you need a personal loan, you should register on our site and make your loan request. You should tell potential lenders about yourself and why you need the money. Tell them how you make a living and where you liveyou never know who will read your loan request and respond. You may get offers of a loan within a day, a week, or a month.

If you are a lender and you have read about someone who has poor credit but needs a personal loan, make a note of the loan request code number and send it to us with your contact details. We will send your offer to the concerned person and they will contact you.

If you want to help people with a private loan, or you have a problem with poor credit and need a personal loan, register with us at http://Allworldprivatefunding.com.

Lisa London is a well known author and has been writing content for http://allworldprivatefunding.com an Online Loans, Personal Loans, Bad credit Loans, Unsecured Loans for so many years. His content is worth reading as it gives you an insight about different aspects of Loans, Personal Loans, Bad credit Loans, Unsecured Loans For more information visit http://www.allworldprivatefunding.comAntonia Blog85508
Adrianne Blog2892

How to Profit in the ebook Info Product Business

One of the fastest and easiest ways to make a living online is to go into the info products business.Don't listen to those gurus who say time and time again that the market is saturated. And, that the internet just can't handle another info product entrepreneur (info preneuer). Guess what? They're wrong!

Why would I say this?

The reason that people are on the internet in the first place is because they are hungry for information. Everyone wants information! Finding niche markets for info products can be an absolute killer if you dont know where to look. Whilst publishing niche ebooks is a proven business that can make you a lot of money, finding niches to exploit can be both time consuming and disheartening if you struggle to find any good markets.

On the internet, there is a lot of money that can be made by selling information to people.The way to do this is through ebooks. An ebook is nothing more than a book in a digital format. Sure, it can have pictures - but so can a real book.

The important part of having an ebook as opposed to a hard copy book is that the ebook can save the reader even more time than the hard book.This is because the ebook can incorporate audio, video, and hyperlinks to additional, pertinent information.

Thankfully theres hope.In this article Im going to show you a simple strategy you can use for finding as many niche markets to sell ebooks to as you could want.

http://freekeywords.wordtracker.com/

This is an amazing resource that wont cost you a penny to sign up to.Go to the above site and start typing in niche markets that interest you.If you had an interest in fishing youd type in fishing. Then all you need to do is make a list of all of the sub niches within the general niche market of fishing. These are all potential niches for you to exploit.

These same people are more than willing to pay money for the information. After all, they routinely purchase magazines, newspapers, and print books, right? On the internet, they're even more willing to part with a few dollars if it will save them time or solve a problem for them. The secret is to make sure that the information that you provide either saves them time or benefits them in some other, emotional way.

www.amazon.com

The bookselling giants amazon.com are an amazing resource for finding niche markets youd never have thought about entering. Go the web site and in the search bar select books. Then type in a niche youd like to create a product around. For example type in golf. Go through the results and start jotting down all of the niche markets that jump out at you.

When many people hear this technique they immediately think wait a sec how can I compete with Amazon?. You wont be of course youll be catering for a different market. When people buy from Amazon they have to wait days for a book to arrive. As ebook publishers we can offer instant gratification as our customers get our info products straight away as a download.

Another great thing about downloadable info products is bizarrely they are seen to have a higher perceived value. You might be able to charge fifteen dollars for a book selling it via Amazon. However if you sell a downloadable info product you can charge up to fifty dollars. Crazy but true.

www.dummies.com

This is another fantastic research tool for the niche ebook publisher. You can find a ton of niche topics across all of the "...For Dummies books. The Dummies company has made creating niche products an art form in its own right. Search through their titles in general niches that interest you and jot down potential ebook topics.

Article directories are, in my eyes, the best way to find subjects to create ebooks around. There are lots of directories in which you can go to and just type in a niche subject in the search bar and get literally thousands and thousands of ebook ideas.

The key here when visiting these sites is to just make a huge list of potential topics, and then when youre done go to http://freekeywords.wordtracker.com/ and type in your topics. If there people searching for information on the subject (at least five thousand a month) youve just found an ebook topic that could turn into a very lucrative home based business.

I want to quickly dispell a myth about the internet. Dont for one second think you can just throw up a site, sit back and become rich. Many would have you believe the internet is just one huge get rich quick scheme. That couldnt be farther from the truth. Done properly ebook publishing can change your financial situation dramatically.

Were not aiming to become a millionaire here. We want to build a network of mini sites that each make about 1K a month. Being able to come up with an endless amount of niche product ideas is the key here, then all you need to do is create the product.

I know what youre thinking. All you need to do is create a product. Theyre hard to create right? Well no actually you dont need to write a single sentence of your ebook. You can hire people to do so at elance.com. For around five hundred to seven hundred bucks freelance writers will create the entire book for you.

You are an internet marketer, not a writer. Have one product created, set up pay per click campaigns, write a press release and blast a few articles over the net on the topic of your ebook.Then have another one created, do the same, and just rinse and repeat.

Multiple streams of autopilot income is the secret of wealthy entrepreneurs from around the globe. Now thanks to ebooks and the internet, anyone can set up streams of income that sends money into their bank account even whilst they sleep.

Most of the internet "gurus" have made their money by selling information online,in one format or another. Now it's your turn to take a share of the internet profit pie.You can do this by creating your own information product(ebook).

Andrew Dimmelow is an information publisher specialising in helping people start their own home based business. If you would like a FREE two and a half hour video showing you exactly how to get into the Info Product Business visit his site at http://www.insaneonlinesuccess.comAlayne Blog18150
Ailyn Blog37310

How To Make Money Working Online

Most people who have a computer would like to learn how to make money working online. The challenge usually is knowing where or how to get started. Most everyone anticipates earning big money quickly only to experience little to no earned income. This usually leaves a person feeling frustrated and either ready to quit or more determined to get better results. If you maintain the burning desire to make money working online, you will need to keep your focus.

Writing to you from experience, I can tell you first and foremost - find a mentor! Find someone you KNOW who has obtained the results you would like to have for yourself. By this I mean you want to learn the truth about anyone who has claimed or is claiming, to make money working online. Dont fall for smoke & mirror type results that express or show a high or outlandish return on their effort. Use your own sensory acuity and listen to your inner voice. If it sounds to good to be true, then it probably isnt true at all. A great number of success stories are embellished specifically to get your interest and more pointedly, to get YOUR MONEY!

Ive read a great number of ebooks, how to manuals and numerous other resources to help in determining the right or best tools for the venture. Ive gleaned tons of incredible information from countless writers and their publications. One biggie that sticks out by devouring many different authors points of view is this, if you find yourself reading the same type of information from various individuals, you can bet its factual. The key is how to pick the best one(s) to learn from without spending a small fortune before seeing a return on your investment.

Best way to learn how to make money working on line is to not only read it but view it as well. My learning curve increased drastically by watching online videos of how to examples. Most people learn by watching others do something and then copy it or imitate their process. By doing so, you should find yourself getting the same results as your teacher or mentor. After all, if you want to make more money working online, you should be duplicating someone elses success patterns for yourself. Not to be a copy-cat or me-too product but more along the lines of catapulting (or slingshot) you forward to success faster!

The key for me to make money working online has been doing something proactive on a weekly basis. If you can take some form of action each day, then you will progress much faster. Obviously the more time you devote to make money online then chances are, youll see results much quicker. I suggest weekly because most individuals that want to free themselves by having an Internet based business have other jobs too. Its important to understand you can have success without being married to your computer every single day. Work smarter not harder or longer!

As an estimate, plan to commit at least 10 15 hours per week for at least 1 full year, as a suggested minimum! Everyone experiences different types of results throughout their first year but stick with it. Learn from others mistakes and benefit from their success tips!!

Aubrey Richardson is the founder of http://www.logofax.com - logos & clipart site. Find out how you can tap into earning money online http://www.internet-based-business-opportunity.com.Annmarie Blog33952
Alane Blog63085

Mind Over Matter

Mind over matter could mean the difference between winning and losing.

To be a winner you must think like a winner and believe with all your heart that you are a winner.

If you have the slightest doubts as to your ability to win then forget about what ever project you are thinking about.

Your state of mind is the centre of your being, if you have a strong belief in yourself plus the desire to succeed you will succeed.

If you think you are beaten, you are,

If you think you dare not, you don't,

If you want to win but you think you can't,

It is almost certain you won't,

Mind over matter. If your thoughts run along those lines above you are a loser, and you will stay a loser, unless you take the decision to change your state of mind.

You might be at your wits end without a cent to your name and because of this state you are at a low ebb.

Your mind is telling you that you are finished and your life will never change for the better.

You must start off by realising that you have reached the bottom of the pit and the only way you can go now is up.

It may be slow, but it must be sure.

Start imagining that you have loads of money and work out what you will do with the money, straight away your mind will start lighten.

This is the day when you must take the decision to start on that road upwards.

You must desire something, and I mean really desire it. It might be a job, or a way to start making money, you need to get your self esteem back in order.

Start by believing in yourself, You are as good as the next person and if they can do it so can you.

Get a pen and paper and sit down and write a list of all the things you can do and the things you think, you can do.

One of the easiest ways to get started for a man who is out of work and down to his last cent is this. ( this idea just sprang into my mind)

First of all spruce yourself up. If you feel good about yourself it will show through. Walk out of of your front door and take a stroll about your local neighbourhood or even a bit further.

Take note of the gardens in the area, many of them will be in need of a bit of care and attention due probably because the owners are working full time or to elderly to work in the gardens.

Jot down streets and numbers where you think the owners might appreciate some help.

When you have a reasonable list go home and begin working on leaflet you can easily deliver by hand.

You just need to say you are available for keeping gardens neat and tidy or any small odd jobs that require doing.

You do not have to be a landscape gardener or have any experience, just general common sense and the willingness to work is all that is needed.

You could make a starting out offer that can't be refused such as two hours work for the price of one for the first job.

As you know everyone is doing just that in a bid to win over the competition.

You will not be in competition but it will show prospective employers that you are really willing and keen.

This may not be the start you imagined but remember from little acorns oak trees grow.

It could snowball and you could find yourself employing others to do the jobs while you sit at home doing the office work.

That is just an instance, an idea that sprang into my mind on how you could start from having nothing to building up a business.

These ideas can work if you really desire to become a man of substance, only you can make them work but you must have faith in yourself and believe you are a winner.

It is mind over matter, repeat these words daily till you really start to believe in them.

(My name is xxxxxx, I am a winner and I will succeed with anything I set my mind to, I am going to be a success and a leader of men.)

Repeat this to yourself two or three times a day until it is deeply embedded in your mind.

Keep looking at the list you have written on things you can do, or things you believe you can do and some idea will be born in your mind on what you should do

Remember that saying, from little acorns huge oak trees grow. What ever you start even if it is not the sort of job you envisaged, like cleaning windows, walking dogs, baby sitting, doing odd jobs, cleaning cars, any thing that can be started from scratch without a cent in the kitty.

It can grow into a big concern if you believe you are a winner.

Sylvia White is a home business Mentor and webmaster of http://www.sylviawh.co.uk http://sylviawh.sirlook.com http://www.woweeitsfree.com Aurea Blog15544
Arden Blog97199