Monday, July 28, 2008

Unthinkable Truth; Undeniable Reality by Martin D. Weiss, Ph.D.

Unthinkable Truth; Undeniable Reality by Martin D. Weiss, Ph.D.

The truth may be unthinkable, but the reality is undeniable:
Much of our nation's financial structure is collapsing, and our government's only response is phony money, bogus bailouts and a litany of false promises.
Ben Bernanke, Henry Paulson, the FDIC and the U.S. Congress say they can do it all.
They say they can save bankrupt brokers like Bear Stearns ... take over recently failed banks like IndyMac Bank and First National of Nevada ... prop up insolvent mortgage giants like Fannie Mae and Freddie Mac ... refinance millions of defaulting mortgages ... dish out hundreds of billions in tax rebates ... and still have enough cash in the kitty to cover the next round of financial collapses.
They say their unbridled money printing won't devalue the U.S. dollar.
They say their unlimited pledge to guarantee junk mortgage bonds won't sabotage the credit of the U.S. Treasury.
They say their blank checks to private companies won't rip off U.S. taxpayers.
They'd have you believe they can outlaw the cycle of boom and bust ... repeal the law of supply and demand ... even freeze the march of time.
In the real world, of course, no government in history has ever been able to do anything of the kind, and they know it.
In the real world, their "solution" is part of the problem, and they know that too.
They know that wealth is generated from work — not from the paper money they're printing. They understand the hazards of indulging the most daring debtors and rescuing the most reckless risk-takers.
They know darn well the fatal flaws of the course they've chosen. But they proceed to pursue it anyhow.
Why? Because, behind the façade of their feel-good happy talk and beneath the thin veneer of their Pollyanna optimism, nearly every single one of our leaders — including Bernanke and Paulson, Democrats and Republicans — is really a gloom-and-doom pessimist in disguise.
They are pessimists inasmuch as they have little faith in America's ability to confront hard times. They greatly underestimate our ability to cope and adapt. They think we can't handle the truth.
I disagree. In the Great Depression, our parents and grandparents faced the unthinkable truth and created a stronger country as a result. They confronted the truth again during World War II and helped create a better world in its aftermath.
I believe we can do that too. We have the resources. We have the knowledge. And we have the added benefit of hindsight. But before we move forward, we must admit five irrefutable facts:
Irrefutable fact #1: Ours is a debt-addicted society,and weeding out the bad debts is the first step toward true recovery.
Irrefutable fact #2: By far the biggest pile-up of debts is in mortgages — $14.7 trillion, according to the Federal Reserve's latest Flow of Funds report (see PDF page 64, Table L.4, line 9).
Irrefutable fact #3: Among those mortgages, a quarter to a third could go bad: Their terms are high risk for both borrower and lender. Their collateral is shaky. Most should never have been created in the first place.
Irrefutable fact #4: When bad debts go into default, there is no free lunch. Somebody has to pay the price. The only question is: Who?
Irrefutable fact #5: The overwhelming bulk of the bad mortgages were created to help Americans move into homes that were priced far above their means. But the only way to correct this problem is to let natural market forces drive home prices back down to much lower levels.
Do most of our leaders have the wisdom and moral fiber to confess to these truths? Not yet. But in the not-too-distant future, they will have no other choice.
Reason: America's housing marketplace is bigger than any government; its power, greater than any law. It is the single largest asset class in the world. It packs the most powerful forces of supply and demand ever assembled in history.
And right now, it's tearing down some of our nation's largest banks. Two examples ...
Washington Mutual In a Death Spiral?
Washington Mutual, America's largest savings and loan, is unfortunately, also one of the nation's largest subprime lenders.
A direct consequence: It appears to be in a death spiral, losing $3.3 billion in the second quarter ... admitting to losses of as much as $19 billion this year ... and probably on its way to losses of an estimated $26 billion.
That estimated loss is over four times its total market value as of Friday's close ... twelve times its yearly earnings in the best of times.
Can it get a new capital infusion to stave off failure?
Perhaps. But on April 8, Washington Mutual already got an injection of $7 billion from private equity firm TPG Capital. And now, less than five months later, an amount equivalent to TPG's entire investment has been more than wiped out with the plunge in Washington Mutual's shares — to a meager $3.82 on Friday.
What's worse, the TPG deal restricts Washington Mutual's ability to raise new, desperately needed capital going forward. And further impairing its ability to raise capital, Moody's announced that it is reviewing the thrift for a downgrade to junk status.
Here's the big problem: As of the latest reckoning, Washington Mutual has $214.6 billion in residential mortgages on its books. And among those, more than three-quarters are in non-traditional categories — option ARMs, subprime loans, home equity loans and multi-family mortgages. Less than one-quarter is of the traditional, single-family prime variety.
Just in option ARMs alone, Washington Mutual has $52.9 billion, one of the biggest such portfolios in the industry. Moreover, 62.5% of its option ARMs are in two of the hardest hit states — Florida and California.
Nonperforming assets are growing by an average of 36% each quarter. If they continue to grow at that rate, they could reach a whopping 6.7% of total assets by year-end.
Investors are pulling out. Rumors are swirling that creditors may be doing the same. Bankruptcy looms.
Wachovia Also Suffering Huge Losses
Wachovia, the nation's fourth largest bank with nearly $800 billion in assets, is also in danger. Its staggering $8.9 billion loss reported last week may be just the tip of the iceberg.
Its big blunder: The acquisition of subprime lender Golden West Financial for $24 billion at the very peak of the real estate market in 2006.
The net result for the bank: It's now stuck with option ARMs valued at $122 billion concentrated in California, the state with one of the worst mortgage default rates.
Net result for shareholders: Over $55 billion of their wealth has been wiped out since the acquisition — more than double the total purchase price of Golden West.
The big problem going forward: Wachovia has $231 billion in residential real estate loans on the books. But only 22% of these are classified as "traditional mortgages." Most of the rest are higher risk.
My Recommendations
Recommendation #1. If you haven't done so already, check the safety of your bank.
Yes, your deposits are insured by the FDIC up to $100,000. But there are still risks and inconveniences of getting stuck in a failed bank or thrift.
For example, if your principal is $100,000, your accrued interest could be at risk. And if your account is a business checking account with large uncashed checks outstanding, even though your book balance may be under the $100,000 limit, your actual bank balance may be over the limit. So those funds may also be at risk.
Even with your insured deposits, after a messy failure, there could be a significant delay in regaining access to your money. You will get your $100,000. But don't expect it to happen overnight. To get a free safety rating on your institution, follow these steps:
Step 1. Go to TheStreet.com's Banks & Thrifts Screener.
Step 2. Look for the green box to enter your information. Under "Bank Name," type in only the first word of your institution's name.
Step 3. To the right of your bank or thrift's name, make note of its rating: A is excellent, B is good, C is fair, D is weak and E is very weak.
Step 4. Use these general guidelines:
If your bank or thrift is rated B+ or better, we believe it's secure.
If its rating is between B- and C-, check it a few times per year to make sure it hasn't fallen below C-.
If it's D+ or lower, seriously consider switching to a safer institution, of which there are many to choose from.
Recommendation #2. Also consider moving most of your savings and checking to a Treasury-only money market fund. Treasury-only money funds are not insured by the FDIC. But I think that's a moot point because the investments they buy enjoy the direct guarantee of the United States Treasury, with no $100,000 limitation.
Examples:
American Century Capital Preservation Fund
Dreyfus 100% U.S. Treasury Money Market Fund
Fidelity U.S. Treasury Money Market Fund, and
Our affiliate's Weiss Treasury Only Money Market Fund.
Recommendation #3. If you haven't done so already, dump any bank shares that you may own, whether at a profit or a loss. The recent Fed- and SEC-inspired rally was a gift — a last chance to get out at somewhat better prices.
Recommendation #4. Your investments, your business or your income may still be vulnerable to collapsing mortgages and other debts. For protective hedges, check Our Comprehensive List of Inverse ETFs and consult with your advisor or money manager to select the ones that best match your needs.
Good luck and God bless!
Martin
About Money and Markets
For more information and archived issues, visit http://www.gliq.com/cgi-bin/click?weiss_mam+102701-5+MAM1027SPLIT1
Money and Markets (MaM) is published by Weiss Research, Inc. and written by Martin D. Weiss along with Tony Sagami, Nilus Mattive, Sean Brodrick, Larry Edelson, Michael Larson and Jack Crooks. To avoid conflicts of interest, Weiss Research and its staff do not hold positions in companies recommended in MaM, nor do we accept any compensation for such recommendations. The comments, graphs, forecasts, and indices published in MaM are based upon data whose accuracy is deemed reliable but not guaranteed. Performance returns cited are derived from our best estimates but must be considered hypothetical in as much as we do not track the actual prices investors pay or receive. Regular contributors and staff include Kristen Adams, Andrea Baumwald, John Burke, Amber Dakar, Dinesh Kalera, Christina Kern, Red Morgan, Maryellen Murphy, Jennifer Newman-Amos, Adam Shafer, Julie Trudeau and Leslie Underwood.
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This investment news is brought to you by Money and Markets. Money and Markets is a free daily investment newsletter from Martin D. Weiss and Weiss Research analysts offering the latest investing news and financial insights for the stock market, including tips and advice on investing in gold, energy and oil. Dr. Weiss is a leader in the fields of investing, interest rates, financial safety and economic forecasting. To view archives or subscribe, visit http://www.gliq.com/cgi-bin/click?weiss_mam+102701-5+MAM1027SPLIT1.

Gerald Romine's Politically Incorrect News

Gerald Romine's Politically Incorrect News

A question I'm commonly asked is what effect does a short sale, deed in lieu of foreclosure, or foreclosure have on my credit and when can I buy another house?
Believe it or not a short sale, deed in lieu of foreclosure, and foreclosure all have roughly the same impact on your credit score. In other words your credit score is going to be hammered.
Most new loans are resold to Fannie Mae and Freddie Mac and beginning August 1 Fannie Mae generally will not buy loans to borrowers involved in a short sale in the last two years. A deed in lieu of foreclosure is 4 years. A foreclosure is 5 years.
Although your credit score will be treated the same your ability to buy a house will vary greatly since most lenders sell their loans to Fannie Mae and Freddie Mac.
Why Do Short Sales Get The Best Treatment
Short sales are the preferential loss to lenders because it saves them the trouble of having to sell the house!
This is POWERFUL information because it gives owners an incentive to work with you for completing a short sale because they have a better chance of buying a home in two years instead of 5 years if the home is foreclosed on! And when you can complete short sale packages in minutes negotiating short sales because easy and routine.
>>> To learn the rest of the story and discover another important real estate investing lesson, follow the link below or copy and paste it into your browser:
http://www.geraldromine.com.Now Go Buy A House!Gerald Romine

Sunday, July 27, 2008

Balance Transfers Can Help You Stop Putting Money Down The Drain!

Balance Transfers Can Help You Stop Putting Money Down The Drain!As you probably know, interest rates are at all time low right now and if you aren't getting the best deal from your credit card company then they owe it to you to either lower your rate, or you owe it to yourself to find a better deal. You see, credit card companies need your business in order to succeed and if you refuse to pay a penny more than you have to then you'll be doing yourself and others a big favour indeed.
Good Credit is King, When Qualifying for Mortgage ProgramsIf you want to purchase a new home or refinance your current mortgage, be sure to check out the wide array of loan programs available. If you have less than excellent or even poor credit, you can still qualify for a loan.
Ways to Look Good without Selling Your Soul to the Credit Card Sharks1. Buy clothes at thrift stores.
How Businesss Mess Up Their Credit PoliciesIn "Become the Squeaky Wheel" a book recently published, Michelle Dunn demonstrates the major areas a business should focus on to ensure a satisfactory customer experience.One mistake business owners make is not having a credit policy in place when they open their business.
Credit Establishment 101There will come a day when you need credit. You may want to buy a home or a car and your credit rating will become very important to help make these dreams come true.
Credit Cards And Loans - So Many Options - So Little TimeCredit Cards and Loans sounds like just two things, but in actuality, it is dozens of things. Due to a combination of user preferences, lifestyles, and marketing ideas, there are dozens of different types of credit cards out there.
Credit and Loan Help for Mortgage LoansMortgage loans are some of the most difficult loans to receive if you have bad credit because lenders focus heavily on your credit score and history of making payments on time. However, there is credit and loan help for individuals interested in home mortgage loans.
Good Credit Is Not A Good Reason To Borrow More Money After Youve Achieved Financial FreedomThe most important thing for you to remember is that the only way you'll ever be able to achieve financial freedom is if you are able to avoid getting back into debt once you've paid off everything that you owe. It seems like a lot of the different websites that give advice regarding bad credit are not looking at this the right way.
What Can Happen to You as a Victim of Identity Theft, Facts & FigureIs identity theft really that serious? Thousands of people every year are victims of this terrible crime. Thieves use your personal information to commit fraud or other crimes in your name and can cause significant credit damage.
Credit Card Debt: One Way To Avoid ItOne of the biggest problems people have in these modern times is Credit card debt, and worst is USA. Simply because there have always been so many laws and regulations before you could have a card in the rest of the world, you can't for instance borrow someone elses card and go shopping because you always have to show some ID before they accept cards in Europe.
Simplifying Your Search For a New Credit CardToday, selecting the proper credit card can be a bit confusing to say the least. There are literally hundreds of offers from the major institutions eagerly competing for your business.
How a Credit Card Can Be Your FriendWe have all heard countless stories of people over their heads with credit card debt-maxing out every card they own, then only being able to afford the minimum monthly payment. High interest payments shackle people to their debt for years, not to mention the significant income drain the finance charges have on their families.
Credit Report Disaster Through Mistaken IdentityI've got some very important info I want you to think very seriously about. I'm sure by now you've heard of Identity Theft,.
What You Need to Know about Debt Negotiation on Credit CardsDebt negotiation on credit cards is often referred to as credit card debt settlement. Whenever you make a credit card payment- or even pay your utility bills- it usually gets reported to one- or all- of the three main credit agencies.
14 Common Credit MistakesEstablishing credit and wisely managing your credit becomes easier when you know how. You'll feel empowered by taking knowledgeable steps towards good credit, and you'll be on your way to purchasing real estate and greater financial freedom.
ChexSystems: Who They Are and How it Affects YouChexSystems is a company that maintains a subscriber membership service used in the banking industry. The members consist mainly of Banks, and Credit Unions, but can include other types of Financial Institutions.
Getting Married? What Are The Finance and Credit Implications?There is a big difference between looking after your own finances while living alone, or with parents, and living with a partner. The transition can be very difficult, especially if both partners are strongly independent, or one partner is financially weak and the other strong.
Balance Transfers IntroductionCredit card balance transfer involves using a credit card to pay off the amount outstanding on one or more credit/store cards. The total debt then moves to one card.
How Do I Establish A Good Line of Credit?A line of credit, roughly defined, is the amount of credit that can be given to a borrower from a lender. Usually a contract or note of promissory is exchanged between the two parties, in which both parties agree to the line of credit amount, as well as the annual interest due to the lender at the end of the term.
How to Get Credit Reporting Agencies to Help YouThe process of clearing credit can be laborious and frustrating. Understanding your rights empowers you and saves you time and effort.

Credit Cards -- What You Should Know

Credit Cards -- What You Should Know There are a lot of questions about using credit cards. Here's some important points for you:A quick look around on the Internet this morning shows that more than 9 million people in the UK do not pay off their credit card balances each month.
FREE Credit Report Offer - Careful, It Might Carry Hidden Charges FREE credit checks or free credit reports. What are they all about? Why every second company on the Net is offering you a free credit report? Are they all suddenly moved into a charity business?Don't worry about their finances.
The FICO Score MisconceptionsT here are many misconceptions about credit scores out there. There are borrowers who believe that they don't have a credit score.
Sound Advice For First Time Credit Card Users If you are just entering the world of credit cards, there is important information you will need to know in order to manage your credit and your finances effectively. Establishing good habits and a good credit history now is the foundation for a solid financial future.
Identity Theft - Who Would Want Mine?With all my bills who would possibly want my credit? Let them steal my identity and pay my bills! Unfortunately, that's not the way it works. Many of us mistakenly believe that identity thieves hit only the wealthy.
Free Credit Reports Now Available From the FTCThe Federal Trade Commission (FTC) has set up a new website (www.AnnualCreditReport.
Credit Report HasslesThere is no end to the amount of pain that your credit report can cause you. If you have a bad credit history this is something that can follow you around and wreak havoc on your life without you even knowing it.
Credit Card Traps: How To Spot Them On The Spot!They arrive in your mail - a conspicuous looking mail piece from some "official looking" bank claiming that you have been Pre-Approved for a Mastercard or VISA credit card.Of course, you don't have to have any credit.
What Is A FICO Score?A credit score is most commonly known as a FICO score. FICO stands for Fair Isaacs Corporation.
What You Need to Know About Interest RatesFor all people shop around for the best rate, there are few who have taken the time to sit down and add it all up. After all, why would you bother? The answer is that understanding just how interest rates work can help you see how important small differences in rates and payment amounts can be.
Cash Advance - How Does It Work?If you want a cash advance or a payday/paycheck loan, you usually get a personal check. Some companies use your bank account or credit card in addition to or instead of a check.
Myths and Truth about Credit ScoringCredit score is the key factor determining approval of almost any type of credit. It is based on the information contained in your credit report files.
How to Avoid Credit Card Late FeesEveryone hates late fees and being late will cost you dearly these days. For some credit cards today, if you are late, you will have to shell out as much as $40 each time.
Good vs. Bad Credit DebtDo you know the difference between good and bad credit debt? Most everyone seems to think that all debt is bad, but that is not always the case. In fact, there are some instances where good debt can actually help your financial situation.
Student Credit Cards 101Almost all students have and use student credit cards. Some of the students use them wisely and build for them an early credit history but others accumulate lots of debts that would have to be paid off once the student life is over.
The Top 5 Secrets to Managing Your Credit Cards-So They Won't Manage YouYou've probably never heard of Frank X. McNamara, but he revolutionized the way you shop on a daily basis.
5 Ways To Prevent Credit Card Late FeesPaying a credit card late fee is the same as throwing your money away. Late credit card payments can also hurt your credit score.
What Does Your Credit Score Tell You?When you apply for a loan or a mortgage, the first thing the lender does is to check your credit score. Based on your credit score, the lender decides the amount of finance you are eligible for and the interest rate at which you will be charged.
0% Credit CardsThese days, credit cards in the UK are competing with each other on two very attractive offers with a headline rate of 0%. These 0% credit cards will be either balance transfers; introductory purchases offers or a combination of the two.
Are you paying higher interest on your credit cards than you think?Many credit card holders sign up for a credit account with an 8.9% interest rate and then later realize that their interest rate has been bumped to 27.

Keep Your Credit History Clean - Remove A Negative Credit Record From Credit Report

Keep Your Credit History Clean - Remove A Negative Credit Record From Credit ReportThe three major credit bureaus, Experian, Equifax and Trans Union are similar and feature a "Credit Score", which is created from credit report data submitted to them about you.But very often your credit report includes inaccurate, wrong or incomplete information (credit records).
Credit Cards - The BasicsHow Lenders Operate - And How They'll Make a Tidy Fortune from the UnknowingCredit card companies might seem like immensely clever, money making enterprises that exploit every loophole to maximize the interest payments - and profits - they are taking from you every month. Nothing, however, could be further from the truth.
Identity Theft - Guard Your Childrens Social Security NumbersIdentity theft is a growing concern among Americans, and rates among the top five complaints received by states' Attorney General's offices. A stolen identity can lead to tens of thousands of dollars worth of debt in the victim's name and it can take years to completely undo the damage done to the victim's credit report.
What To Look For In A Credit CardWhen you are deciding what type of credit card to get it is important to compare credit cards to each other and find the best deal for you. There are a variety of different credit cards available, from low interest cards, cash back cards and even reward credit cards, it's hard to decide what exactly the best credit cards are.
Sound Advice For First Time Credit Card UsersIf you are just entering the world of credit cards, there is important information you will need to know in order to manage your credit and your finances effectively. Establishing good habits and a good credit history now is the foundation for a solid financial future.
Identity Theft Exploding: Here's How You Can Avoid Becoming A VictimAmericans are more concerned about identity theft than unemployment or corporate fraud, according to a survey of 2,000 people conducted by Star Systems.Nine out of ten Americans demand new federal legislation, while two-thirds say the financial services industry needs to do a better job of verifying the identity of customers who open bank accounts (66 percent) and credit card accounts (72 percent).
The Hazards Of Your First Credit CardYou probably don't need me to tell you credit cards are easy to get a hold of; at least, that is so in the US and UK. How many weeks pass without a glossy brochure promoting a credit card popping through your letter box? And that's just your mail; the tv advertising budgets for credit card promotion are enormous, with some famous faces often adorning your screen, smiling beautifully as they tempt you.
Student Credit Cards 101If you're a college student, you probably already have a credit card. If not, you may have plans to get one or more soon.
Credit Card Disclosure Table - Do You Understand It All?In addition to the APR (annual percentage rate) and the finance charges, most credit cards have a number of 'fees' associated with their use. Some fees are unavoidable with a particular card (like an annual fee or a program participation fee), while others are triggered by certain circumstances.
Credit Card Companies Are Out for Your MoneyYou're probably thinking "Tell me something I don't know" but in this time of low interest rates you might be thinking that you've got a great deal since credit card interest rates are low. Wrong.
Easing Your Financial Burdens With Credit CounselingIt is a well-publicized fact that more of us are getting ourselves into greater debt, and this may be true for you. The embarrassment of your financial situation can mean you are unlikely to seek credit counselling or other credit management solutions.
What Is a FICO Score and How Do I Make It Work for Me?Whether or not you receive a loan and what interest rate you get on your credit card may be determined by something called a FICO score. Named for Fair, Isaac & Co.
The Next Person With Credit Problems Got Their First Credit Card Today!One of the focus areas of my information is the absolute necessity of changing the way a person thinks about money and debt while in the process of repairing their credit. I have seen cases where a couple will work really hard for months, and finally get their credit report to the place they can borrow again and go out and buy something on credit just because they can.
How To Use Your Credit Card For Ultimate Financial AdvantageUsing a credit card wisely is an important step in building a great credit rating. If you're trying to re-build your credit or if you're young and just starting out, pay close attention the next time you receive a new card offer in the mail or online.
It Takes Credit To Build CreditUsing a credit card wisely is an important step in building a good credit rating. If you're trying to re-build your credit or if you're young and just starting out, pay close attention the next time you receive a new card offer in the mail.
Credit Cards: How To Use ThemCredit cards can be a very quick way of getting into even more debt if you do not know how to use them properly. UK debt is now at an all time high and, excluding mortgages, Credit Cards are one of the main contributors.
Credit Score - for Scoring the Right LoanSomebody once said, "There is always a way of knowing your limitations and going beyond it." It is fundamentally true with respect of credit score.
Bank Robbery Growing In U.S.Bank robbery has grown to become a huge problem in the United States but I am not talking about people robbing banks. I am talking about banks robbing people.
How Credit Scoring WorksThe all important credit score! It determines the amount of loan you can get, it determines the interest rate at which you are charged for a loan, etc. Your credit score plays an important figure in your financial life.
Online, Phone, U.S. Mail or In-Person: Where is Your Credit Card and Personal Identify Safest?Identity theft is the fastest growing crime according to the Federal Trade Commission (FTC). It occurs when someone takes a piece of your personal information and uses it without your knowledge to commit fraud or theft.

How Healthy Is Your Credit

How Healthy Is Your Credit There's only one way to discover the "health" of your credit. You need to examine your credit report.
Inflexible Friends and Plastic Assets, Why Money isn't Buying Love Anymore Consumers reject financial advice in favour of financial frivolityIt would appear that even though their "friends" aren't as flexible as they used to be, consumers are still stretching their credit cards beyond the comfort zone.The vicious circle of debt manipulation involving banks, consumers and commercial credit companies is putting consumer spending under strain, as funds begin to dry up.
Understanding Your Rights Under The Equal Credit Opportunity Act It wasn't all that long ago that lenders blatantly discriminated when it came to approving credit for women and minority groups. Women were actually asked personal and demeaning questions like, how many children do you plan to have in the future or are you on birth control?Despite the fact that they were entering the workforce in record numbers, single women were often required to get a cosigner or denied credit altogether.
Bad Checks, Bounced Checks, & NSF Checks Negotiable instruments like checks and drafts have become an indispensable part of any business transaction today. As a result, it has become increasingly important to safeguard a business against financial losses arising from the receipt of fraudulent or bad checks.
Identity Theft - Dont Think You Are Immune As identity theft becomes more prevalent, the need to regularly check your credit report is very easy to see and understand. Two big headlines in the news recently point to how closely tied your credit report and identity theft are.
Good Credit Is Not A Good Reason To Borrow More Money After Youve Achieved Financial Freedom The most important thing for you to remember is that the only way you'll ever be able to achieve financial freedom is if you are able to avoid getting back into debt once you've paid off everything that you owe. It seems like a lot of the different websites that give advice regarding bad credit are not looking at this the right way.
How To Avoid Becoming A Victim of Identity Theft With identity theft statistics currently at an all time high, and climbing, it just makes sense that we should all be doing everything we can to protect ourselves.One of the most prevalent yet overlooked ways your personal information and passwords may be being compromised is through the presence of Spyware on your computer.
Credit Scores and Loan Applications Keep Your Credit History Clean - Remove A Negative Credit Record From Your Credit ReportIt can make a difference of up to 18% in loan repayment costs. For example, on a 30-year, $150,000 fixed rate mortgage, a borrower with the best credit score, 760-850, will pay 5.
Credit Reports Inside and Out The Credit Report is like your scorecard in the lending world. Every time you prepare yourself to acquire or purchase something that requires financial assistance from a lending institution, your credit report will be your "presentation card".
Credit Enhancements: Seven Tips For Enhancing Business Credit Transactions What are the avenues available to businesses with weak credit profiles or to companies pursuing credit transactions that are perceived as too risky by credit providers? Many companies apply for credit at banks, finance companies or equipment leasing firms and are routinely rejected due to the high degree of perceived credit risks. When approaching a credit provider, it is helpful to understand what can be done to reduce the risk of a credit transaction in the eyes of the provider.
Are 0% Credit Cards Reaching Their End? Are Credit Card companies starting to feel the pinch? We all know that the Credit Card companies make their money by charging us interest on the money we borrow. With all the 0% balance transfer offers that we have seen over the last few years its no wonder these companies are concerned they aren't making any money.
Various Types of Credit Cards - Part 2 Several different types of credit cards offer several different options, depending on what your needs are. Some are geared toward individual consumers while others are set up in ways that work best for small business needs.
Like It Or Not, You Have A Score To Settle! Part 1 Just when most people finish with school and can stop worrying about test scores, there's a new kind of scoring that enters the picture. It's called credit scoring.
Bounced Checks - Straight Talk On Dealing With Bad Checks (NSF) A check can be considered bad if it is bogus or the NSF checks (non sufficient funds check), also referred as bounced check.The issuance of a NSF or bad checks is an unlawful act and can attract civil and criminal penalties.
Credit Cards - Why Prepay? With prepaid credit cards, you get the practicality of plastic while choosing exactly how much debt to charge. By taking charge of your personal financing, you determine your own limits, to the penny, and change them any time you need to.
Trying to Land a Job? Poor Credit Scores May Hurt Your Chances Many employers are now looking at an applicant's credit report for hiring purposes. During an interview process a potential employer may request your written consent to access your credit report.
Using Credit Cards Wisely" I think money was stolen from my card" or "I might have blocked my card in the ATM" - these are frequent problems that bank customer-support officers usually hear from agitated clients. Incorrect use of credit cards or wrong interpretations of their functions are frequent even after tens of years of credit-card extensive use.
7 Ways To Squash Identity Theft It is the scourge of our age: identity theft. Thieves learn an important part about your personal information, such as your credit card number, and they open accounts in your name and spend, spend, spend! Unfortunately, by the time you discover that you are a victim the damage is already done.
5 Steps You Can Take to Get Paid! There are always some companies that have past due invoices and can't seem to get them paid. They might be quietly waiting to get paid not wanting to contact the client for fear of appearing "desperate".
Which Business Credit Cards with Reward are the Best? Thinking of applying for a credit card with a reward program to help you and your business? Here is a brief guide to some of the best programs on the internet.The Platinum Business Credit Card with rewards from American Express is a great offer.

Friday, July 25, 2008

Credit Repair Scams "Erase Bad Debt !" "Remove Negative Items From Your Credit Report"

Credit Repair Scams "Erase Bad Debt !" "Remove Negative Items From Your Credit Report"

You've probably seen these headlines and others just like it promising to clean up or "fix" bad credit. For someone who suffers from a bad or poor credit rating, these headlines are certainly an appealing offer.

Imagine finally being able to buy that new car, get debt collectors off your back, and enjoy a new found freedom from your past debts.

Sound to good to be true ? It probably is. Once you fall prey to the credit repair offer and pay the hefty fees involved to clean up your record, here's what happens:

1) The credit repair scam artist contacts the credit bureaus and reports that the negative information in your file is false.

2) The credit bureau removes this negative information from your report while they investigate the claim.

3) The scam artist will then show you the cleaned up version of your credit report and "ta-da" your credit history has been fixed !

But here's what the scammer doesn't tell or show you. After the credit bureau completes their investigation the negative information is placed back on your credit report.

Negative but accurate information cannot be removed from your credit profile. Only incorrect information can be removed.

Accurate information remains on your credit file for a period of 7 years from the time it is reported to the credit agencies; a bankruptcy appears for a 10 year period.

Many legitimate companies exist that can help you with your debt problems. But how do you spot a scam offer ? Easy, they'll ask you for their fees up front. By law, credit repair agencies cannot ask for payment until they've provided the service they promised.

Additionally many states require that a credit repair service, whether they are for-profit or not-for-profit, must provide you with a detailed written contract, an explanation of your legal rights, and the opportunity to cancel any signed contract within 3 days.

Also, be aware that a "credit repair offer" could be an attempt to steal your identity by getting you to provide personal information such as a Social Security number, bank account and credit card account numbers.

Always make sure you know who you are dealing with before accepting any offer to help you repair your credit. Those who don't can have their credit ruined further and create more debt problems.

© 2004, www.yourfreecreditreportnow.com
Author: James H. Dimmitt.
James is editor of "TO YOUR CREDIT", a weekly free newsletter. Subscribe to the newsletter by visiting http://www.yourfreecreditreportnow.com.

Happy Diabetic Kids

Raising Happy Diabetic Kids

This is the first in a series of articles I am about to embark upon concerning this subject. As my family gets older and matures with this disease I think back to the early days and wonder why aren't we all on medication for depression? Why don't we have standing twice a week appointments with a psychiatrist? How did we end up so normal?(whatever that is) As I look back this didn't happen by accident, nor am I Super Dad, and I didn't plan it out step by step. It was mostly just paying attention, luck, and decent communication between my girls and me, granted sometimes at the top of our lungs.

The first thing I suggest you do is very important. Remember, our children are who they had in mind when they coined the phrase "monkey see monkey do". Trust Yourself! It's okay to do it your way. There're three components to raising happy kids, diabetic or not. They are Self-Confidence, Self-Reliance, an Self-Control. The more of these components your monkeys see in you, the more of these components you will see in your monkeys! I'm going to put out some ideas here but you're the boss of your situation. Do it your way.

Upon reading the three components you might ask "but where is self esteem?" I'll save that particular ramble for another day. Let me just assure you that if your child has self-confidence, self-reliance, and self-control then self-esteem comes naturally.

What is Self-Confidence? Self-Confidence is:

Trusting your ability to form and sustain relationships

Trusting your ability to complete various tasks well, knowing that others value your abilities

Trusting your ability to manage new siuations

Trusting your own judgements and common sense

As you can see trust is a key element of self-confidence. When our children don't have that measure of consistency and predictability in their lives it becomes difficult for them to gain the necessary trust either in themselves or in others to become self-confident. So if our children see that the people who are most important to them (us as parents) trust them and will provide them with a consistant environment, they will begin to trust themselves, their judgements, and those of the people around them. This is the beginning of common sense.(Yahoo!)

How do our children acquire Self-Confidence? Self-Confidence comes from:

Being accepted for who you are

Having someone show confidence in you

Knowing there is something you are good at

Having firm expectations of other people's behavior

Not being afraid of failure

Developing competence with the saftey of a parent close by

Seeing others you admire and copy, being confident and happy

It seems so easy when you write it down. When you think about it three main components have to be in place: Trust and Predictability, competence, and sociability.

Trust and Predictability - We all know that routines are important for developing feelings of trust and security. Think about the routines and relationships between you and your family and friends. How much do they keep to a pattern? Will your child begin each day with a reasonably clear idea of what will happen and when?

Competence - Being good at things. We all have different talents and abilities. We need to help our children identify the things they are good at and encourage them. These skills fall into a couple of different catagories.

Practical: Seeing how to make or mend things, and build things

Physical: Good at sports, kicking or catching a ball, swimming, running

Mental: Good ideas about things, good at solving practical problems, good at schoolwork

Social: Good at playing with others, kind and considerate, good at making new friends

Process: Being good at tying new things, sticking with difficult tasks and so on

Sociability - Trust and develope their social skills. Involve them moderately in your social life. If we have our children with us it shows not only are we happy to have them with us but also that we trust they will behave appropriately. Getting used to being in new situations, and learning to talk to different people will increase our children's confidence considerably. Here's one that took me a while to figure out. Give your child advance warning of your feelings, of short temper, tiredness, sadness, or whatever. "I've had a lousy day at work and I'm very crabby. It might be smart to keep your head down and your mouth shut." Or "I've had an argument with so and so and I'm feeling hurt. If I'm short with you I'm sorry." This not only teaches them techniques for managing their own feelings, but gives them a chance to learn sensitivity to the feelings and moods of others. These are essential social skills not only for now but for later on in life.

Our children will develope self-confidence only if we have first shown trust and confidence in them and have given them an environment where they can predict and trust. Diabetes and all of the unpredictability, feelings of powerlessness, and exclusion that sometimes go with it just make this process that much more difficult. I look at it like if it was easy any idiot could do it. Well, we're not just any idiot. We're special idiots. We have been entrusted with the care and upbringing of a diabetic child. So remember you are a special person entrusted with a very special task. Trust yourself. It's okay to do it your way.

In the next issue I'll take a look at Self-Reliance.

Russell Turner is the father of a 10 year old Type 1 Juvenile Diabetic daughter. When she was first diagnosed he quickly found there was all kinds of information on the internet about the medical aspects of this dsease. What he couldn't find was information about how to prepare his family to live with this disease. He started a website http://www.mychildhasdiabetes.com and designed it so parents of newly diagnosed children would have a one-stop resource to learn to prepare for life with diabetes.

How to Select a Divorce Lawyer

How to Select a Divorce Lawyer
Selecting a divorce lawyer to handle your family law case is a very important decision. The following are a few important criteria to help in finding the right divorce lawyer.
Experience and Focus
Any divorce lawyer you consider should have substantial experience in handling divorce cases in your location. An experienced divorce lawyer will know the tendencies of the various judges in your jurisdiction and should be able to use this knowledge to your advantage. Additionally, that lawyer should practice primarily in the field of divorce law. Often people will hire a lawyer who practices primarily in some other area, thinking that any lawyer will do. However, divorce law is a very specialized field that requires particular skills and experience in order to have a likelihood of reaching a successful conclusion.
Past Client Testimonials
Perhaps the best way to decide which divorce lawyer to use for your divorce case is to find out what former clients have to say about that lawyer. While divorce is never an enjoyable process, some divorce lawyers have more success at satisfying their clients than others. If you do not know someone who has been a client of that particular divorce lawyer, you should consider asking the lawyer for a list of clients that you can contact who can describe their experience with the lawyer. While client confidentiality is important, any good experienced divorce lawyer should have at least a few former clients who are willing to vouch for him or her.
Accessible
When a client becomes dissatisfied with a divorce lawyer, one of the most common complaints is that they were unable to communicate with the lawyer. It is very important that your divorce lawyer be accessible and prompt in responding to your phone calls, emails, and requests for meetings. While you can ask the divorce lawyer about their office policy, this is another area where you can best evaluate the divorce lawyer by hearing what former clients have to say.
If a former client of the lawyer tells you that they found it very difficult to contact the attorney, or that the lawyer either did not return calls or respond to emails or would take several days to do so, you should definitely avoid that lawyer. Divorce is an unpleasant and frustrating process under the best of circumstances. If you are unable to reach your divorce attorney, or at least someone on his or her staff, the frustration level can increase exponentially.
Fees
When you make your initial appointment with the divorce attorney, you should inquire about a consultation fee. Some lawyers do brief initial consultations for free, although most experienced divorce lawyers will charge between $100.00 and $200.00 as a consultation fee, or will charge their normal hourly rate.
For example, I charge a flat $100.00 consultation fee with no additional hourly charges, regardless of the length of the meeting. Essentially, the consultation fee is to "weed out" those people who are not serious about the possibility of hiring me. Given that my normal hourly rate is $200.00/hour and the usual typical consultation takes about 90 minutes, the charge for my consultation is significantly discounted. Therefore, you shouldn't let a consultation fee scare you away from interviewing a particular lawyer.
During the consultation it is vitally important that you have a candid discussion with the prospective divorce lawyer about fees and what you can expect. Typically, an experienced divorce lawyer will require the payment of a substantial retainer up front, against which that lawyer's hourly rate and expenses will be charged. You should find out what that lawyer's hourly rate is, what the up front retainer will be, whether any portion of the retainer is refundable if it is not exhausted, and how often you can expect to receive invoices that detail their hourly charges and expenses. You also will want to know how detailed the invoices are. Once again, this is another area where you can get excellent information from those people who have been clients of that divorce lawyer.
Comfortable
While all the above issues are important, there is one final question you should ask yourself before hiring a divorce lawyer. Are you comfortable with that lawyer and are you confident in his or her abilities? If the answer is anything other than a resounding "yes," you should keep looking. Your case is too important to entrust to someone who does not inspire your confidence.
Scott Morgan is a Houston attorney who practices exclusively in the field of divorce and family law. He has practiced family law in Texas since 1994. For more information go to http://www.houstondivorce.com

Monday, July 21, 2008

What Constitutes Viable Reasons For Thinking About Or Wanting A Divorce?

Reasons For Divorce; What Constitutes Viable Reasons For Thinking About Or Wanting A Divorce?
According to the Center for Disease Control's National Vital Statistics Report of 2002, 50% of first marriages ended in divorce and 60% of remarriages end in divorce. But, the Center for Disease Control also found that 96% of Americans express a personal desire for marriage, and almost three-quarters of Americans believe marriage is a life long commitment. I imagine that there are somewhat similar statistics worldwide.
With these kinds of statistics, its easy to see how complex it can be when people think they want a divorce, they have difficulty identifying how a truly viable divorce reason might be defined. Wanting happiness through marriage and wrestling with what may seem an inevitable outcome (a divorce), can be emotionally and mentally challenging. After all, it is human nature to want to feel nurtured and secure, no matter where you live!
So, if you're thinking about getting a divorce, what are truly valid reasons for actually getting a divorce?
Each government has different laws defining the difference between 'fault' and 'no-fault' divorce reasons that have enough merit that allow for the divorce to be granted. While it makes sense for you to keep this in mind when deciding whether or not to get a divorce because there may be financial considerations to think of, you should first focus on defining your own emotional or "personal" divorce reasons, regardless of what the local governing body says.
If you ask 100 people how they define viable reasons for wanting a divorce, you'll most likely get 100 different answers because they'll answer you from their perspective, not yours. Sure, there may be similarities to the way you feel in some of those answers about 'real' divorce reasons, you may even agree with some. But, the real answers to this question can only come from you. You have to figure out what reason or reasons would be viable in your mind in order to actually go through your decision about getting a divorce or staying married.
Some reasons that people give for getting a divorce, or wanting a divorce, are purely selfish and have no substance. An example of a reason for wanting a divorce that has no substance is not liking the fact that your spouse has constant unfounded jealousy. There is a deeper problem that exists here, and in the case of this example, it could be that the spouse who constantly feels jealousy has a confidence problem or some sort of 'fear of loss'. Whatever the case, the divorce reason in this example clearly isn't viable and should relatively easy to fix.
Often times when people give 'surface' or flimsy reasons for wanting a divorce, they really have much deeper feelings about something and they're just using the shallow divorce reason as an avoidance of some kind. Or, they give these 'foundation-less' reasons for wanting a divorce because they actually aren't aware that there are other deeper rooted reasons that are the cause of the way they feel now.
Common reasons that cause people to think about or want to get a divorce:
*Couple has conflicting personal beliefs*Couple's marital satisfaction decreases*Desertion*Adultery*Cruel treatment*Bigamy*Imprisonment*Spousal Indignities*Institutionalization*Irretrievable Breakdown of some kind

Credit and Divorce

Credit and Divorce
Mary and Bill recently divorced. Their divorce decree stated that Bill would pay the balances on their three joint credit card accounts. Months later, after Bill neglected to pay off these accounts, all three creditors contacted Mary for payment. She referred them to the divorce decree, insisting that she was not responsible for the accounts. The creditors correctly stated that they were not parties to the decree and that Mary was still legally responsible for paying off the couple's joint accounts. Mary later found out that the late payments appeared on her credit report.
If you've recently been through a divorce-or are contemplating one-you may want to look closely at issues involving credit. Understanding the different kinds of credit accounts opened during a marriage may help illuminate the potential benefits-and pitfalls-of each.
There are two types of credit accounts: individual and joint. You can permit authorized persons to use the account with either. When you apply for credit-whether a charge card or a mortgage loan-you'll be asked to select one type.
Individual or Joint Account
Individual Account: Your income, assets, and credit history are considered by the creditor. Whether you are married or single, you alone are responsible for paying off the debt. The account will appear on your credit report, and may appear on the credit report of any "authorized" user. However, if you live in a community property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, or Wisconsin), you and your spouse may be responsible for debts incurred during the marriage, and the individual debts of one spouse may appear on the credit report of the other.
Advantages/Disadvantages: If you're not employed outside the home, work part-time, or have a low-paying job, it may be difficult to demonstrate a strong financial picture without your spouse's income. But if you open an account in your name and are responsible, no one can negatively affect your credit record.
Joint Account: Your income, financial assets, and credit history-and your spouse's-are considerations for a joint account. No matter who handles the household bills, you and your spouse are responsible for seeing that debts are paid. A creditor who reports the credit history of a joint account to credit bureaus must report it in both names (if the account was opened after June 1, 1977).
Advantages/Disadvantages: An application combining the financial resources of two people may present a stronger case to a creditor who is granting a loan or credit card. But because two people applied together for the credit, each is responsible for the debt. This is true even if a divorce decree assigns separate debt obligations to each spouse. Former spouses who run up bills and don't pay them can hurt their ex-partner's credit histories on jointly-held accounts.
Account "Users" If you open an individual account, you may authorize another person to use it. If you name your spouse as the authorized user, a creditor who reports the credit history to a credit bureau must report it in your spouse's name as well as in yours (if the account was opened after June 1, 1977). A creditor also may report the credit history in the name of any other authorized user.
Advantages/Disadvantages: User accounts often are opened for convenience. They benefit people who might not qualify for credit on their own, such as students or homemakers. While these people may use the account, you-not they-are contractually liable for paying the debt.
If You Divorce If you're considering divorce or separation, pay special attention to the status of your credit accounts. If you maintain joint accounts during this time, it's important to make regular payments so your credit record won't suffer. As long as there's an outstanding balance on a joint account, you and your spouse are responsible for it.
If you divorce, you may want to close joint accounts or accounts in which your former spouse was an authorized user. Or ask the creditor to convert these accounts to individual accounts.

Getting Divorce Advice From the Right Source

Divorce Advice: Getting Divorce Advice From the Right Source
Getting the right type of divorce advice depends on what type of divorce advice you want and what you want to use it for. When looking for divorce advice, it is smart to clearly define what you are seeking the advice for so you can be sure to look in the right places.
Seems simple enough right?
Yes, but...lots of people who are deciding about divorce and seeking divorce advice lump the categories of divorce advice into one, and that's a big mistake. You should seek divorce advice from different types of places for the different types of advice that you need. Certainly there's more types of divorce advice categories, but here's a partial list:
Divorce advice type 1:
Legal advice for getting a divorce when you are sure that you want a divorce, no matter how tough it will be to get that divorce.
When asking for this type of divorce advice while meeting with an attorney, you may be asked if you're certain that you actually do want a divorce?if you do, don't waver, stick to your decision. It makes sense to have a good idea of all of the parts of your life, family and materials, that could be affected or sought after. You want to have your facts, account names, timelines, etc., in mind when meeting with the attorney so that your discussion is maximized.
Divorce advice type 2:
Legal advice for getting a divorce when you are almost sure that you want a divorce, but want to make sure that the financial considerations are in order or that health of your children won't suffer in the long run.
When asking for this type of divorce advice, you may want to consider seeking the advice of an attorney or financial planner for the financial considerations and a counselor experienced in family matters for the impact that a divorce might have on your children. The point is, split the two concerns up so that you get the chance to speak to 2 different people who specialize in each area so that you will get the appropriate divorce advice.
Divorce advice type 3:
Legal advice for getting a divorce in a case that is relatively simple and will be a clean break, no financial or other family considerations to take into account for the divorce.
This is perhaps the easiest type of divorce advice to get because it infers that you have already made the decision from an emotional standpoint and really don't have any other considerations of deep concern. When seeking this type of divorce advice, you most likely have limited financial considerations, a prenuptial agreement, or the situation itself as amenable to everyone and you just need someone to do the paperwork.
Divorce advice type 4:
Legal and/or counseling advice regarding whether or not divorce is right for you from a psychological, emotional and financial perspective.
When asking for this type of divorce advice, you may want to consider seeking the advice of an attorney or financial planner for the financial considerations and a counselor experienced in Clinical Psychology and "personal-life" coaching for the impact that a divorce might have on you. Again, the point is, split the two concerns up so that you get a chance to speak to 2 different people who specialize in each area so that you will get the appropriate divorce advice.
Divorce advice type 5:
Counseling for emotional support when deciding whether or not you really want a divorce or are just unhappy in your marriage due to a marriage problem.
This type of divorce advice is crucial to your happiness because when you're in an emotional state, it is tough to make lucid and rational decisions. And, if you're wrestling with deciding whether or not to get a divorce (purely from an emotional perspective), you should do all you can to make a logical decision because how you approach this decision and the affects afterwards can be long lasting and far reaching. If you're are struggling with finding divorce advice, you may want to talk to friends, counselors, even other family members.
But, my divorce advice to you is, do it yourself.
I'm not saying don't talk with friends, counselors, and possibly family. What I am suggesting is that you reach the final decision of whether to get a divorce on your own, you have to live with it, no one else. The answer is inside you, you just have to get it out in a logical manner.
Whatever type of divorce advice you need, be sure that you're directing your energies in the right direction. If you don't separate the emotional aspects from the legal aspects of divorce advice, you might end up confused and unable to get the most out of any meeting you may have with an attorney or marriage counselor. At the end of the day, you should control your own destiny and make a smart decision based on logic, controlled emotion, and forward thinking.
Author of "A Practical Guide To Deciding Whether Or Not To Get A Divorce", the eBook recommended by counselors to thier clients. Proven "Actions Items" to help you decide!deciding on divorcedivorce advice

Sunday, July 20, 2008

Shave Strokes from Your Golf Game

By taking the club back in a "one piece" takeaway, which only means that your shoulders start the turn back and your arms, hands and thus club follow in one piece - by doing this you will automatically put the golf club on the proper swing plane. So long as you do not try to help the club do its job, you will be well down the path to a more solid swing and consistent hits with this tip alone.
Practice this in front of a mirror with or without a club, making sure that your head stays solidly in place and that your three body parts mentioned above go to at least parallel as one unit.
Golf Tip #2 - Don't overswing and swing easy. They engineer the clubs to do the hitting - getting the ball off the ground and a certain distance no matter how hard you swing. As a matter of fact, the harder you swing the less the club can do what it is supposed to do and you will sacrifice both distance and accuracy.
http://www.slowduck.com/golf/golf/6215.php

Corporate Cleavage

I enjoy cleavage as much or even more than the next guy. However, after reading my latest issue of Men's Health magazine, I checked my Encarta dictionary and looked up the word "cleavage".
There is business science in "them der hills", namely the division or splitting of something, and last but not least, "the hollow visible between the breasts of a woman wearing a low cut garment".
Suffice to say, I was very relieved that I had not been bastardizing the use of the word cleavage all these years. But it is never to late right?
Why mess up such a beautiful word as cleavage by coining a new term, "Corporate Cleavage"? Well, if I am not thinking about "my wife's cleavage", I am definitely always focused on business.
The two words together can describe a business or corporation in such an accurate way.
For the mean time think corporate exposure or effective marketing. A corporation these days doesn't want to cross the line and expose too much, or too little, about their business or product.
They simply want to get just enough exposure, to get enough interest to keep the shareholders happy.
Are you noticing the similarities?
"So where does the division or splitting of something come in to play?"
Great question, glad you asked. I will assume that there are two parts to every business. There will always be a product or service that is accompanied by a sales and marketing strategy.
I believe the division between product and sales is very important. The closer together these two parts of a business or corporation can theoretically come together, the better the results. The farther the divide or split between service and marketing, failure becomes eminent.
"Corporate Cleavage" exists in every business today. Expose too much and you may damage your business to the point of no return.
Then there are those that believe too much exposure or bad press?sorry Janet Jackson, is never a bad thing.
Also ensure there isn't a great divide between the product or service you are selling, and the sales and marketing strategy you use. Listen to the Beatles song "Come Together" for additional advice.
Either way, ensure your business is mindful of the low cut garments it wears.
by Lee Raito, CFP, FMA
Co-Author of Business Sexcess
Business and financial expert Lee Raito is a Certified Financial Planner and Financial Management Advisor from Canada. Lee has teamed up with US based Internet marketing expert Sam Heyer to provide you with information that will take your business success to a place it has never been before. Their recent book, Business Sexcess, is the much talked about book that will transform how you look at business. http://www.BusinessSexcess.com
http://www.slowduck.com/marketing/marketing/48112.php


What to be Successful? Marketing Makes the Difference
When you hear the word "marketing" what comes to mind? More business or wasted money? If your experience with marketing or advertising has been less than positive your cynicism may be well founded. Yet, have you ever noticed a competitor with a mediocre product and a healthy business? The difference is often marketing.

Tips for Trade Show Rentals
Trade show rentals allow you more flexibility and the opportunity to change your booth with every expo if you wish. You can rent nearly any booth components, from portable pop-ups to completely custom looks.

The Power of because...
"Do it!", "Do it now!", or "Do it because..

Tipical Mistakes in Marketing
To prevent the risks of a promotion campaign for our products or services, I'm talking about email campaigns, it is recommended to study some of the most common mistakes that can be made in this situation:1. The desire of immediate successLaunching a promotion campaign through email can be compared the situation in which we want to reach the top of a hill with our car, starting from the base.

Design Direct Mail Postcards Back-to-Front to Boost Response Rates
Conventional wisdom says that the front of a direct mail postcard is for the picture and the back is for the address, stamp and a short message.But some savvy direct marketers design their postcards the other way around-and boost response rates as a result.

How Testimonials Can Put You in the Spotlight
If you need evidence that a testimonial or referral can help you, let me tell you a personal story:My friend Dave raved about his boss all the time. "She knows I'm still in school," he said, "so she always asks about my schedule.

How To Turn $100,000 Into $1,191,817 In Just One Year Part II
Turning a modest $100,000 annual turnover into $1,191,817 may sound outrageous but if you really understand the fundamentals of marketing this becomes quite achievable.Once you realise that just improving every area of your marketing can create a multiplying effect on your turnover it's time to look in more detail at exactly which areas you should target.

5 Reasons Your Marketing Communication is Falling Flat
One of my associates sent me a promotional email she'd received. "I know this marketing communication doesn't work," she told me, "but why doesn't this make me want to buy?" I took a look, and what I saw was familiar and sad.

Make Your Marketing Solve a Problem
You may be engaged in a marketing activities that are working against you. Or, at the very least, are making sales more difficult.

Have Something Good To Say
If you don't get this right, you can just forget about everything else..

Everything Youve Ever Learned About Marketing Is Wrong
Everything you've ever learned about marketing and advertising is WRONG. Everything you've ever heard everything you've ever tried, everything you've ever done, it's all WRONG.

Always Sell To New Eyes And New Ears
One of the hardest things for you to do as an advertiser to do is to step into your prospect's shoes and really understand what makes him buy, and to find out how the prospect reacts to your marketing and advertising efforts. It's easy to get caught up in thinking that just because you spent $14,000 -- or $140,000 -- on your latest batch of ads that every person on Earth saw the ads and paid really close attention to them.

Private Practice Marketing: 3 Secrets I Wish I Knew When I First Started Out
I don't know about you, but I am still waiting for my first class in graduate school about how to develop, market, and run a private practice.I'm also still waiting for my father to have a discussion with me about the facts of life.

Private Practice Marketing: 3 More Secrets I Wish I Knew When I First Started Out
Secret #4 - Get very comfortable asking for paymentOne of the easiest ways to set this up is to have very clear explanations in your intake forms about how payment works.It's your job to train your clients how to pay you promptly.

Corporate Cleavage
I enjoy cleavage as much or even more than the next guy. However, after reading my latest issue of Men's Health magazine, I checked my Encarta dictionary and looked up the word "cleavage".
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Golf beginner's half set

Golf beginner's half set As a novice golfer, you are advised to learn with a half set of clubs with all matching iron of the same model. The half-set could be made up from a few combinations of clubs. In general, the half set combination consists of five iron clubs, including 4, 6, 8, pitching wedge and sand iron, in addition to 3 and 5 woods plus a putter. The driver is not recommended in the beginner's half set because it is the hardest club to control. Majority of beginners would achieve better results using a 3 wood on the tee box. Likewise, 1, 2 or 3 irons should be avoided at the early stages of the game, as each of these long irons requires an accurate strike from the middle of the clubface with plenty of club heads speed in order to achieve good results. In contrast, a 5 wood with distance almost equivalent of the 2 iron - the ball can still travel a fair distance despite being hit off-center. Besides, a lofted wood is more forgiving than the thin blade of an iron club heads. http://www.slowduck.com/golf/golf/2761.php

The perfect Golf swing

Very specific conditioning and training achieve the perfect golf swing and a much better game. Exercises that are not straining but are in fact targeted very specifically at improving the quality of the golf game are responsible for the 'miracles' in junior golf players.
Surely if it works so well with senior citizens, younger golfers should have no problem. Right?
Actually we are also witnessing junior golfers who are also dramatically revolutionizing their game through the same exercises and conditioning which also involves using products recommended by experts and people who earn a living improving ordinary amateur's golf games and helping them towards achieving the perfect golf swing.http://www.slowduck.com/golf/golf/13758.php

Friday, July 18, 2008

Give Golf Credit

The goal when buying golf clubs should be to own the best golf clubs you can afford, whether they are name brands, used, or a reproduction of one of the name brands. Golf clubs can be purchased at many different types of establishments such as discount stores, buying clubs, specialty shops, catalogs, or the Internet, which offers an almost limitless variety of clubs and bargains, including used golf clubs. The cost of the golf club depends on the type and where it is purchased. Retail stores and catalogs have pre-season, post-season and regular sales, but since someone, somewhere, has the perfect climate in which to play golf at any given time of the year, you may find it difficult to find a true bargain. Internet shopping offers excellent prices throughout the year, and in many cases shipping is free. Golf club replicas are very good bargains if you compare their features to the originals. Many, many types of merchandise are duplicated, or cloned, so be sure the set of clubs you buy have not been illegally duplicated.
Most anytime is the perfect time for most golfers and ?wannabe? golfers to play, so take advantage of the large variety of clubs and bargains to be found, and don?t wait another day to start buying your golf clubs.
Essential Information on Choosing the Best Golf Clubs to Suit Your Game - GolfEssential Information on Choosing the Best Golf Clubs to Suit Your Game plus articles and information on GolfGuide To Buy Used Golf Clubs For Beginner Golfer - GolfGuide To Buy Used Golf Clubs For Beginner Golfer plus articles and information on GolfThree Secrets of A Consistent Golf Stroke - GolfThree Secrets of A Consistent Golf Stroke plus articles and information on GolfImprove Your Golf Performance With These 5 Tips - GolfImprove Your Golf Performance With These 5 Tips plus articles and information on GolfGolf Fitness: The Quickest Way To Play Better Golf - GolfGolf Fitness: The Quickest Way To Play Better Golf plus articles and information on GolfHow To Improve Your Game With Simple Golf Exercises! - GolfHow To Improve Your Game With Simple Golf Exercises! plus articles and information on GolfGolf Workouts Can Quickly Add Yards To Your Drives - GolfGolf Workouts Can Quickly Add Yards To Your Drives plus articles and information on GolfTaking A Golf Lesson Isnt Always The Answer - GolfTaking A Golf Lesson Isn't Always The Answer plus articles and information on GolfJunior Golf Is Becoming More Competitive? Why? - GolfJunior Golf Is Becoming More Competitive? 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