William Keleher

William Aloysius Keleher (1886-1972) became interested in law while observing the events at Bernalillo Country Courthouse. He joined a Law School at Washington and Lee University in Virginia the month of September, 1913. After nearly two years (mid-1915), he received his Bachelor of Law degree and was admitted to the New Mexico Bar after a few months.

After graduating, William Keleher pursued a career in law and relentlessly practiced it. Eventually, he created a law firm that would one day, become the oldest and the most prestigious law firm in New Mexico. In 1929, he was joined by A. Howell McLeod and together, they became the most prominent trial lawyers in New Mexico. William's sons (William B. Keleher & Thomas F. Keleher) chose to follow the same path, which practiced law at the family firm. Their descendant, Michael, also continued the family tradition by contributing to the growth of Keleher and McLeod. Today, the practice of law at Keleher & McLeod reflects the same dedication and passion, undoubtedly. Although the Keleher & McLeod corp. is not connected to the family, William B. Keleher and Thomas F. Keleher are the proud shareholders of the firm. It is located in Bernalillo County, Albuquerque, New Mexico.

Keleher & McLeods service promises to fulfill the destiny that guided the founding of the firm a long, long time ago. Its roots are indeed very deep in the state and it has eventually grown into one of the state's most prominent commercial and civil law practitioners. However, it does not let all the glory get to its head; rather, Keleher & McLeod remains committed to the same legacy, commitment, and competence that made it a big success almost a hundred years ago.

It is universally known that in the long run, service matters the most. The attorneys and staff at this firm are devoted to providing superior-quality legal services to fulfill the requirement of the valued clients, and they do it in a quick yet efficient manner. The attorneys are always responsive and available for any kind of updates on the legal matters status.

With over thirty dedicated and adept staff, the firm promises to deliver. All of them are qualified and have vast experience in the field of law. Even when one is working with a single attorney, he will perceive the expertise of the whole firm. The attorneys at the firm can unequivocally be depended on.

Keleher & McLeod is simply unmatched in terms of experience. Being founded in 1915, it boasts as one of the oldest firms in the state. A big chunk of the firms employee comes from the UNM School of Law who are not only diligent, but also blessed with vast experience. In addition, they have been taking leadership in local and national professional associations on a regular basis. The firm whose attorneys are active in many social and charitable organizations, also posses a great sense of community. Simply put, the attorneys at Keleher & McLeod, with their vast experience, can be trusted to solve ones legal problems. Keleher & McLeod has represented innumerable prestigious companies and high profile individuals over the past few decades. Among them, Wells Fargo & Co., and affiliated banks, Texaco Inc, Albuquerque Public Schools Board of Education, Qwest Corporation, Merrill Lynch, Heller Financial are considered noteworthy.

The Bar Register Practice Areas of the firm are Trusts and Estates, Wills and Probate & Insurance Defense. Keleher & McLeod covers practice areas like Administrative, Antitrust, Bankruptcy, Business, Children, Constitutional, Disabilities, Employee Benefits, Environmental, Government, Conservator-ship, Insurance, Labor and Employment, Mergers, Partnership, Products Liability, Real Estate, Taxation, Trusts and Estates, Wills and many others.

William Aloysius Keleher was a man of vision. In his famous book, Memoirs, he mentioned that he had a feeling that perhaps destiny was guiding him in the direction of the courtroom. This was the pivotal moment when he decided to devote his life to the betterment of law in New Mexico. As a result of his vision and dedication, Keleher & McLeod was created which, even after nearly a hundred year of establishment, relentlessly thrives to fulfill the requirement of the valued clients by providing high quality legal services.

Keleher authored some of the premier works on the Southwest: Maxwell Land Grant,1942; Fabulous Frontier, 1945; Turmoil in New Mexico, 1846-1968, 1952;Violence in Lincoln County, 1957; and Memoirs 1969. and New Mexicans I Knew. Purchase the Books of William Keleher at http://www.williamkeleher.com in .pdf format online.Audra Blog50618
Adriana Blog71724

Finally, The Truth About Paid Surveys

One of the easiest ways to earn money online, as discussed on my website, is to use paid surveys. While not nearly as lucrative as affiliate marketing or auctioning on eBay, you can still make a nice sum of money with paid surveys.

The first thing I will say is that surveys will not make you an overnight celebrity or millionaire; it is simply a great way to put some extra money in your pocket without doing much work. One thing that irks me is when companies want you to believe that you can fill out a 5-minute survey and make 25 dollars. Let me tell you, I wish that were the case. Most surveys will take at least 20-30 minutes to complete and pay anywhere from $1-10 dollars. Yes, there are some $25-50 surveys, but they are not common.

But what if you were only to take the surveys that pay top dollar and forget about the lower paying ones? The problem with that is after you register with the survey company, you will need an invitation before you can take the surveyyou cant just choose any survey you want to take before you receive an invitation (if that were the case, everyone would only fill out $50 surveys).

Remember, you receive invitations according to your profile. And this goes for most of the survey companies.

As I mentioned earlier, the surveys you get invited to usually pay you anywhere from 1-$10 dollars. So common sense tells anyone that they will have to be registered with many survey companies to even make a decent amount of money. You dont have to register with all the survey companies all at oncea few registrations a day will suffice. With that being said, the more surveys you sign up for, the more chances you will get to make money.

Side note

Please dont feel disappointed in the beginning because of all the $1 surveys in your mailbox; keep on registering with quality survey companies until you start to see those $6-$10 (even $25) offers. After a while, if you keep filling out the low paying surveys, you will see more and more of the much higher paying surveys. Patience is very important in the beginning.

Why would companies compensate me for taking a survey?

The purpose of a survey is to gather peoples opinions on different products and ideas that companies continually come up with; this can be anything from item design to movie scripts. These companies need opinions from real everyday people like you and me to get insight on their products before they hit store shelves. And they are willing to pay us for our opinions.

Have a good time

Taking surveys, to me, is actually fun. It is not stressful and you can get make several hundred dollars a month doing itassuming that you do things the right way.

Not only is it fun, you get to see products, movies, and services before they are presented to the public. I actually completed a movie survey on Snakes On a Plane 5 months before its theatrical release.

Register with the best research companies

As fun as surveys can be, one problem that I found with taking these surveys is that not all of them are worth taking. This is why it is important for you to register only with quality research companies.

You can find some good paid surveys manually and it wont cost you anything.

On the other hand, you can join a paid database, like SurveyScout, that has all the quality paid surveys in one place. While some of the research companies in SurveyScout can be found individually for free, the simple setup, cohesiveness, and registration bonuses that SurveyScout gives you are more than worth the one-time fee they charge. I review SurveyScout on my site.

Here is your reward

Lets talk about what some companies actually give you when you successfully complete a survey. Many companies give you gift certificates, free music downloads, DVDs, and electronics; some will enter you into a cash sweepstakes upon completion of a survey (where you can win a portion of the prize money). You will usually know what you will get for completing a survey before you start (check your survey invitation for details).

Some people tend to decline these kinds of survey invitations because they dont pay in cash; but do not dismiss the non-cash prizes. At times, they are just as good as cash rewards. Say you get a free DVD player or another type of electronic device (MP3 player) as a prize; most likely you were going to buy one anyway, so why disregard prizes such as these? When a survey says you get a gift card or prize once its completed, dont dismiss it.

I think we are about ready to start

Now that we got some of the basics out of the way, you now know that paid surveys are a great way to supplement your income.

Lets move forward to the first rule

Rule #1: Create a separate email account for your survey registrations and monitor it everyday

Set up an email account with Yahoo so you can use it only for your survey registrations and invitations. Please do not use your main/primary email address when signing up for surveys. Often times, people are spammed if they are not careful when registering for surveys. This is the best way to protect yourself against spam.

Rule #2: Dont entertain any bonus offers when registering for surveys.

When registering for surveys, sometimes you will see all sorts of bonus offers from other products/companies; my advice to you is to hit the no, thanks button and continue on with registration. If you dont, you will most likely be subjected to spamthat is another reason why I recommend you open up a free email account with Yahoo or Hotmail: just incase you accidentally agree to one of these offers.

I have been a victim of this, where my name and email address were sold to a third party and I actually had to change my email address to stop the spam. No matter how legit some survey companies seem, some will still sell your information to third parties.

Rule #3: Dont join a paid database until you read this

You can find a good amount of paid surveys by doing simple searches for them for free. So the question is: why should anyone pay for something that they can get for free? In the beginning, I found several good paid surveys by doing some simple searches.

Being the lazy person that I am though, I still decided to join a paid database and have all the best paid surveys in one place. I felt more at ease selecting paid surveys from a paid database like SurveyScout because I knew every research company listed was a quality company that protected my information. The one-time price was very reasonable anyway so I didnt find it much of a burden. Some of my visitors use paid databases and love it because it makes everything a little bit easier.

Nonetheless, you can go either way when deciding between a free database and a paid database. Just be sure to know the difference between the two before you decide.

Rule #4: Dont lie about your contact information

If planning on receiving payment, you have to use your genuine contact information. At first you may feel a bit strange giving out some of your personal details, but in most cases your information is well protected. If you are not honest when you register, you cant expect to receive your payment. Dont waste your own timesign up with your real contact information. But be sure to register with a legit research/survey company.

Rule#5: Protect yourself; protect your information

This is really an extension of rule #1 on day one. But now we are going to focus on other security protocols. Always look for privacy policies and seals of approval to ensure your information is kept secret. When you see seals of approval such as the Better Business Bureau (BBB) on a survey website, you know you are protected and are dealing with a company that values privacy.

Rule #6: Dont fall for the promises of wealth

In my experiences, it is difficult to make a full-time income with surveys (thousands a week for example). But you can still make a good stream of additional income to help with your bills and expenses.

The amount of money you make can, and will, fluctuate because the amounts of surveys you receive are very inconsistent. For example, I had one month where I pulled in over $400 dollars and another where I pulled in $88. It all depends on how many surveys you fill out, your profile, time of the year, the research companies you register with, and much more.

While you can make hundreds of dollars a month taking surveys, it will not make you a wealthy man or woman. I use surveys strictly as a supplemental income to help with some of my expenses: car payments, DirecTv bill, DVD rentals, and clothing. For me, it really helps to have an extra several hundred dollars pouring into my bank account every month.

You can easily make a couple thousand dollars a year just by filling out surveys. But once again, if this is your goal, you must fill out as much surveys as possible. While you won't be a wealthy person just by filling out surveys, you can make a substantial amount of money if you constantly fill them out.

Bonus Tip #1: Fill out your profiles after you register. This will make your survey invitations more targeted and less general. This also increases your chance of be selected to participate in the next survey.

Bonus Tip #2: Use focus groups and product testing to your advantage.

Focus groups can be very lucrative. You can actually earn several hundred dollars to complete one project. While paid surveys are short, focus groups will definitely take up more of your time. Focus groups may require you to actually visit a location or talk on the phone in a group discussion. This may take more work, but the reward is much higher, as you will get high cash prizes for your participation.

My best friend in college makes a killing with focus groups and this is how he pays for his books. So look for focus groups that are in your area.

Product testing is something else you might want to look in to. What happens here is a research company sends you a product and wants you to review/survey it. The good news is after you send in the complete review forms, you get to keep the product. These products, at times, are pretty neat.

Chris Walker is the owner of: http://www.ultimate-home-business-advice.com. Get all the best advice on great home businesses that really work. Gain access to essential tips and resources. He is the owner of all said material in this article. You can distribute his material on a non-exclusive, royalty-free basis, while he retains full rights to his work. You can use his article as long as you do not change any of the content without his permission.Ansley Blog26163
Ada Blog34402

Balance Transfers Primer

Are high credit card fees giving you sleepless nights? Think smart: balance transfers could be an intelligent short-term solution. The following article can be used as an introductory guide and a primer on the use of balance transfers that discusses the intricacies of balance transfer details. Transfer the weight off your shoulders and get a balance transfer credit card with a lower rate of interest. However, make sure to run through the terms and conditions of the new balance transfer card, to make sure you win in the long run.

If you are not really keen on getting a new card, tell your existing company that you want to transfer your balance to another card that offers a much lower rate. Your existing credit card company just might offer you a better deal. If not, then go ahead and call the competition!

So what is so great about balance transfers? Balance transfers to a card with a lower rate can significantly cut down your interest and fees. The most common rate of interest offered by companies on balance transfers is 0% for 3 to 12 months. If you are fortunate and your credit is good enough, you might qualify for a 0% interest card for 12 months on balance transfers and purchases. Be aware, however, that some cards, will link the introductory annual percentage rate (APR) to the billing cycle of the card.

There could be some additional perks available on your balance transfer card as well:

1) Your new card may charge no annual fees.
2) The grace period on payments might be longer.
3) Rewards like cash back on purchases might be available.
4) Discounts from certain retailers, identity theft protection, and even car insurance can be thrown in as well!

How Do I Get One?

You will be required to go through some basic application procedures and paperwork on a balance transfer. You could write a balance transfer on one of the convenience checks that the card issuer will provide after getting approval on the card. These function just like normal checks but there are some things to be aware of, such as expiration dates. Time can cost big money, in this case, with the old interest rates snapping at your heels. How much you can transfer will depend entirely on the credit limit of your new card.

The fees for balance transfers are similar to that of cash advances, but often times, fees will be waived for the very best card offers. If there are associated transfer fees on the card, it is advisable that you avoid transferring small balances, as the transaction fees might undercut your potential savings. Some additional fees on these cards might include:

1) Late Fees: Once the introductory period on your balance transfer ends, you will start incurring finance charges on the remaining balance. Late fees on these card offers are particularly expensive. In order to avoid these exorbitant fees, make sure that you mail payment well in advance of the due date. If you are using an ATM deposit, stay informed about the processing time of your payment. Banks either charge a flat fee, such as $10 or $15, or a percentage, such as 5%, of the minimum payment due, for example

2) Over-Credit Limit Fees: Each time you charge your card beyond the credit limit, the bank has the ability to impose a fee. It is possible that many of these aforementioned fees will gather simultaneously (in addition to interest charges) during the same billing period! Banks usually charge $10 or $15 for this fee or up to 5% of the amount on the exceeded limit amount.

3) Lost Card Replacement Fees: If you ever happen to lose your card, some banks might charge you anything between $5 and $10 for a replacement.

The most important thing to remember regarding balance transfer credit cards is to make all your payments on time and pay off the outstanding balance within the introductory time frame. Usually, there is no grace period offered up for balance transfers and unless you have snapped up an introductory 0% APR, interest will begin to accrue immediately. The calculation can get a little tricky too. Your initial repayments will first go towards clearing the balance transfer amount before making a dent in any outstanding balance created from recent purchases with the card. So if you want to avoid this mess, keep a separate card for balance transfers and another one for regular purchases.

When the Joyride Ends

You should be keenly observant of the expiration date of your promotional offer. Once it ends, you will be charged the normal rate of interest. All remaining purchase and balance transfer amounts will be subject to a much higher APR and significantly higher finance charges.

Your credit history will determine your post introductory APR on your balance transfer credit card. So if this APR is higher than the rate on your old balance transfer card, you could incur more expensive finance charges if you carry a balance from month to month. Just make sure that you transfer your balance to a new card that offers both a lower promotional rate as well as a lower ongoing APR.

Robert Alan recommends that you visit http://www.creditcardassist.com/balancetransfer/creditcards.html for more information on 0% balance transfers.Ariel Blog53968
Aurel Blog96291

Horse Racing Tips

There are a lot of misconceptions when it comes to betting on the horses. Some people believe that its impossible to profit in horse racing. Some believe that all you need to do is bet the favorites. Still, others believe that the only way to make money is to bet the huge long shots and pray for a miracle. All of these thoughts are false. You can make money betting on horses, and you dont need to pick favorites all the time or bet on miracle finishes often.

Here is a juicy piece of information for you. The favorite wins the race (thoroughbred racing) about 33% of the time. Therefore, if you simply bet the favorite, you will be losing 67% of the time. Since favorites dont always pay too well, you would end up losing over the long run. Still, money can be made betting on favorites. Each race is different. In some races, the favorite might be an even money favorite. In others, the favorite might be a 3-1 favorite.

How you bet is just as important as how much you bet. A common bet is called across the board. When you make this wager, you are betting on the horse to win, place and show. If the horse comes in first, you win all three bets. The show bet is the most conservative wager in horse racing, and it pays like it. Its common to be paid only 20 cents on the dollar for a show bet. Many inexperience bettors place a show bet to be safe, but its a money sink.

Unless the horse is going off at a good price (odds), making a show bet is a losing proposition. The best way to wager on a good horse is win and possibly placenever show. Think about it this way, if I told you I had a proposition that you might win 33% of the time, and it will pay 1-5, which means you bet $5 and win $1, would you jump on it? Of course you wouldnt. This is kind of what its like to make a show bet on a good horse.

At the end of the day, how you wager can up accounting for half or more of your success potential. Bettors that dont figure this out wonder why their bankroll is not larger after their winning day. Place your bets properly and you will be halfway home to being a successful horse racing bettor. Money can be and is, made in horse racing every single day. On busy days, there are more than one hundred betting opportunities to take advantage of. One last piece of advice. If a race is not favorable to youodds wisemove along. There will be plenty more races to bet on.

Sebastien Veilleux is a senior horse wagering editor at http://www.advantagesportsbetting.com/horse-wagering.htm, an online sportsbook review site - http://www.sportsgamblingreview.com. He also writes a daily blog on horse betting with up to the minute odds, news and horse picks - http://www.bettingonhorse.com.Alys Blog20384
Arden Blog97199

Kitchen Remodeling As A Home Improvement Project

People who are considering doing some home improvement will be intereseted to know that the money you spend in order to complete your project is eligible for tax deduction. It is very important to know exactly what you are doing in your home improvement process, however, as home improvement is different from home repair. In the case of the tax deduction, home imporvement will qualify for the reduced rate, but home repair will not. It is imperative to know the difference between what constitutes repair and improvement.

SImply put, home improvement is an addition that will add to the appearance and the quality of your house. Items that fall under this category include things like kitchen remodeling, adding a fence to your yard, adding a swimming pool, extending a wing on your house and including a new room or two, building a garge, adding a porch or deck, installing new insulation, or upgrading heating and cooling systems. All of these upgrades are considered to be capital expenses.

Home repair, on the other hand, is in a different category. Home repair is a project that is undertaken in order to prevent the decay of your property. It does not add value to the house, instead it prevents the value from going down. This includes things like repairing holes in the walls or broken windows. These repairs correct a problem, and therefore are not considered eligible for tax benefits.

Ther is a way, however, that you can include your home repairs in your home improvement deduction. A clause in the act states that if an area of the house in need of repair is in the same area in which remodeling is taking place, the project undertaker is allowed to claim teh entire project as an improvement. Basically, if you are remodeling the kitchen, remember to fix the leaks in the roof and then claim the repair as part of the improvement.

Timing is definitely a factor when it comes to home improvement. The best time to do some upgrades to your home will be when interst rates are low. The lower rates mean that in the long run, the person using a loan to finance their improvemets will be able to spend less money. Refinancing is one way that many people secure the money to spend on their project. Loans secured in this way can be deducted in the same year as the refinance as points. If the proceeds of the refinancing are not used to improve a house, then points towards the improvement can be deducted over the life of the loan. If a project only uses a part of the loan that was taken out, then the deduction is considered proportional, with the remainder being taken off over the life of the mortgage. It is important to keep in mind that the points which are not taken off by the time the loan expires are usually deductible according to the percent rate in the final year.

Improving your home, in the end, will always add value. It is important in terms of saving some extra money that the home owner is aware of what can be deducted and what cannot.

Peter J. Wilson very often edits detailed articles on things relating to cabinets and decorating. His work on kitchen remodeling can be discovered on http://www.kitchen-cabinets-tips.com/kitchen-remodeling.html and also other web sites.Adriana Blog71724
Anjanette Blog83602

You Know You Have Nothing Left To Say...

Working at Home – The internet, broadband, emails and blackberry have allowed us to work from home but what are we actually doing. A recent US survey has shown that one in eight men don’t bother getting dressed at all, just one third wash and shave and one in five take an afternoon nap! From the boss’s perspective, women don’t fair much better with one in 14 naked at their computer and only half taking a shower. 40% of people us the time to do regular housework but interestingly 75% believe working from home improved their productivity which begs the question what are they wearing and doing at work!!

Boredom Detector – Just when we thought we had a gadget for everything this was created, although its original purpose was noble. A talker, via a wearable camera and software that measures facial expressions and movements, could know whether he has lost touch with a listener (via signals from eyebrows, lips, nose, etc.). In studies it had 64% accuracy in detecting boredom in the listener. Some of us probably know friends and colleagues we would like to buy this for. Originally it was designed to help autistic people understand people they were communicating with.

The new sexual revolution – In Canada in an extensive study of young people, 87% of respondents reported having sex over Instant Messenger, Webcam or Telephone. As youngsters are more susceptible to utilise technology it is not surprising that these devices are being used more and more but the levels surprises the researchers. Some 2,684 students from more than 150 university and college campuses across Canada took part in the survey. Fifty-one per cent of the participants were female and 49 per cent were male. Of those surveyed, 53 per cent of students enjoyed sex over instant messenger, while 44 per cent did the deed using a webcam and over the phone.

Internet Tax – You think that if a Government could find a way to tax our breathing they would but it now seems at least 19 states in the US want to tax any purchases made over the Internet by individuals and organisations. Thus on the tax return form there is a line where you have to declare how much in purchases you made over the Net and then you will have a specified tax rate applied to it. Of course individuals are free to put $0 in this field but if you ever got audited and were found to be lying the penalties could be severe. Let us hope that this is one US innovation that we don’t adopt!

Charity Websites – Most of us probably contribute to the generous volunteers who come to our doors or the money tins located in various places but did you know it is now even easier to contribute to these many worthy causes. Two of our most worthy causes, Canteen (www.canteen.org.au) and the Starlight Foundation (www.starlight.org.au), both whom try to brighten the lives of seriously ill children, many of whom barely make it to their teens as well as help their families have a secure online donation facility. Just using your credit card you can make a donation and through very little effort on your part make an enormous difference to somebody else.

TILL NEXT TIME.....

Chris JacobArabele Blog84796
Ainslie Blog38341

Discard Your Bad Credit Worries With Bad Credit Secured Loan

Borrowers having bad credit get problems in availing loan from lender easily. Incurring bad credit, simply, decreases the reliability of borrower for any further loan borrowing. Lenders deny such borrowers who have been unable to manage their finances in the past. Saving borrowers from the grumbling of lenders, bad credit secured loan comes in great use for borrower having bad credit.

Bad credit secured loan helps borrowers meeting all their financial needs even if they suffer from bad credit. Lenders get here no reason to feel any risk, as borrower has to put his house or other property as collateral against the loan amount. It enables borrowers to access this loan easily. As collateral is present here, it allows borrowers to borrow even large amount. Repayment period is also long, and thus, borrower can repay the amount in flexible and smaller monthly installment.

For borrowers, the risk of facing legal action and losing their collateral might be a matter of concern. But, it is only when borrower fails to repay the amount on time, and according to terms and conditions of the lenders. Before the several privileges given by bad credit secured loan, such trivial issue carry no value to borrower, who has got bad credit, and is in dire need of money.

Secured form of bad credit secured loan lets the borrower take money at lower rate of interest. Moreover, a borrower having bad credit can improve his credit score by availing this loan. If, he repays back the money timely, and on the terms and conditions of the lenders, he gets his credit score automatically improved. The amount of the loan can be used to fulfill all the various purposes. It can be used for debt consolidation, car purchasing, holiday packages, home improvement, and etc.

In order to find the best bad credit secured loan deal, first, you ought to locate the best lenders available in market. Searching a variety of financial websites can help you in getting several lenders in your area providing loans at suitable terms. Borrower can also avail loan online. Besides, these websites offer borrower various tools, such as, loan calculators, and loan quotes, which come in great use in comparing various loans and choosing the best one suiting your need.

Offering a large number of benefits, such as, lower interest rate, long repayment period, flexible monthly installment option, and chance of improving credit score, bad credit secured loan is the best possible loan option available for borrower with bad credit. This loan helps borrowers fulfilling all his financial goals by borrowing a loan which offers them loan at easy terms after ignoring their bad credit history.
Andrew Baker has done his masters in finance from CPIT. He is engaged in providing free , professional, and independent advice to the residents of the UK. He works for the LoansFiesta for any type of loans as secured loan uk, Bad credit secured loan , secured homeowner loan in uk, low rate secured loans in UK please visit http://www.loansfiesta.co.ukAntonia Blog85508
Allianora Blog31680

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.Aggi Blog56821
Alys Blog63090

Common Sense Approach to Improve Your Breast Health

Medical experts recommend the following measures to best protect your breasts while maximizing your overall health. Try to adopt as many ways as you can to improve your breast health!

Sensuality and sexuality are not opposed to or the enemy of spirituality. Celebrate the sensuality of your body! Do not smoke cigarettes or other tobacco products - Like alcohol, smoking has been linked to breast cancer. Enjoy nurturing yourself. You need to massage your breasts and/or pamper yourself with a massage or your favorite spa treatment. It is a MUST survival skill.

Take in supplements such as vitamins E, C, and B-complex as well as minerals. When your stress level is high, eat mineral-rich sea vegetables or take mineral supplements.

Practice breast self massage as well as using the spa service -Use warmed oil to touch your breast gently while in the shower or with your partner. ANBES breast massage oil is ideal if you want your breast to feel smooth and silky. It furthers help in preventing wrinkles / lighten stretch marks.

Avoid excessive drinking of alcoholic beverages - Some studies indicate there may be a link between drinking alcohol and an increase risk for breast cancer. Occasional red / white wine is fine or rather it benefits your health.

Do not use underarm deodorant that contains aluminum salts or other compounds. Aluminum is a heavy metal that can enter the blood and lymph systems through the skin and severely challenge the immune system.

Use hormone-free contraception - Try not to use the pill for long term and synthetic hormone therapies when necessary. A number of natural substitutes to hormone therapies are emerging on the market.

Eat a well-balanced diet - Include lots of fruits and vegetables, and keep your intake of fried foods, red meat, and junk food to a bare minimum. Prevent taking hydrogenated fats like margarine and vegetable shortening. (Be conscious of products that are in many store-bought crackers, cakes, and cookies - even health-store brands.) Cook with olive, peanut, sunflower, or sesame oils and butter or - better still - clarified butter (ghee) on bread.

The above information is found in Ms Yvonne Lee, internationally acclaimed book "To All Women Who Want To Enhance Their Breasts Naturally, But Don't Know How To Start". It describes and details the most important breast enhancement techniques from every corner of the world. Author Yvonne Lee, provides an unbiased pro-and-con analysis of each technique, in addition to practical information such as how and where to get it and cost involved. The ebook version of the book is now available at: http://www.breastenhancementbook.com

ANBES.com is offering Free Sample, Limited Period Only. Latest Nanotechnology Breast Enhancement Serum That Show Immediate Results In 5 Minutes ... While stock last! Consists of Pueraria Mirifica. Hurry Click Here Now> http://www.anbes.com/article/

Julie Walker is the customer service guru of http://ANBES.com. Astra Blog5021
Anabelle Blog58945

Buying Gifts Online for Your Recipients Helps You Save Time and Money

Today, the hectic time table that everyone has makes it rather difficult for each and everyone to make a visit personally to a shop, and walk down aisles of clothes, toys, jewelry or tools, to choose on the perfect gift to buy. It sometimes seems to be a complete waste of quality time that could have been utilized somewhere else. And it is this kind of people and anyone else in general, who prefers online shopping than real time shopping.

Buying gifts for near and dear ones through the internet saves a lot of time for the buyer. There is no need of actually visiting the store to buy gifts. Everything can be done while sitting in the comfort of the home. All one has to do is to type the name, or the kind of gift that they need to buy, and enter that name or phrase in a search engine. Immediately you will be shown lists of numerous online stores that sell all these products.

You then visit a few online stores to decide on the best gift, and best price for your near and dear one. And once you choose the gift, you can pay through e-banking like merchant accounts and their shopping carts. You will have to furnish some information as to the address for the gift to be shipped and perhaps some contact information. And once the payment is cleared, you will find the gift shipped to the recipient, on your expected date of arrival.

There are all types of gifts available on the internet; let it be jewelry, electrical items, clothing, chocolates, flowers, in fact, the item that you name is very much likely to turn up in any of the many search engine searches. Besides saving on your time, you also save money as you dont have to travel to the shopping center or store, spend money on fuel or use public transport. Everything can be done from a single computer and table in your home or office.

There is no need of you getting ready to go shopping. If desired, you can also shop while in your pajamas or nightdress! No one will know, or even bother to know. You not only save in time with online shopping by not having to visit the shopping center, you also save time by not having to go on looking for the item that you need in the shopping center. You just have to type the specific item in a search engine, and you will be provided with numerous items and gifts that suit the description or name that you provide.

So the next time you need to buy gifts for someone, consider online shopping as the better alternative, where you can save both in time and money while coming up with an exquisite gift for the special people of your life.

Thomson Chemmanoor is an enthusiastic writer for Digital Labz, Web Design Houston Company and the following websites: http://www.uniquegiftings.com & http://www.giftbasketer.com Aimee Blog95352
Amelie Blog67726

Plan Now To Save Money And Time This Christmas

It is still only September, but now is the perfect time to make some preparations for Christmas and save your time and money.

Firstly Ill give you some tips on how to save money in a variety of ways and generate some extra spending power for your Christmas treats.

Next Ill give you some time-saving tips to make all that extra spending as convenient as possible and by the end of October youll be ready and prepared and looking forward to a relaxing Christmas time with your family and friends.

So first to money and how you can boost your budget for Christmas preparations and presents. The best way to save money is to cut back on your spending and the easiest way to do that is to focus on the money you spend on things that you wish you didnt! Things like credit cards bills, insurance, loans, household bills, car expenses etc. All those things that are seen as essentials, but they drain your cash at an alarming rate. What if you were able to cut those expenses by just 10%? I dont doubt that just that small saving will provide a significant increase to your Christmas budget.

Lets look at interest payments a big drain on your resources if you have some debts. Mortgages and loans are a common feature of many household budgets. When was the last time you looked at your mortgage arrangements? If it was more than two years ago, then now could be an ideal time to review your mortgage deal and look around for a new one if appropriate. You could have a new arrangement in place by the end of October if you start now and you could be saving a few hundred pounds every month if you on a particularly poor deal at the moment just think, that could add almost a thousand pounds to your Christmas budget over the next 3 months.

Next, credit cards if you have any debt at all on your credit cards and are being charged interest, then look around now for an interest-free balance transfer deal. As long as you dont spend any new money on that card, you will cut those interest payments to zero for the next few months even more cash in your pocket. There is another important side effect of this strategy too if you need to use your credit card for some Christmas essential spending, then if you have found a deal that offers a zero or low rate on new spending too, you'll be saving even more money.

Insurance next. Ive noticed that household insurance has been creeping up in price over the last few years. It was always seen as a low cost item and renewed without much thought, but Im spending over 700 per year on this expense and Ive only ever claimed once in the last 20 years surely there must be a cheaper way? Youll be pleased to know that there is! The home insurance marketplace is extremely competitive, with all companies trying very hard to attract new customers. Get on the internet and fill out a few quote requests you may get a pleasant surprise and save yourself another couple of hundred pounds.

Next lets look at time. Weve often left our Christmas preparations too late and ended up rushing around the shops at the last minute, struggling through the crowds and finding that all the best items have sold out. Wouldnt it be nice if you had all your plans in place and could spend those final few days enjoying the Christmas atmosphere without the stresses of last-minute shopping spoiling the fun? Well with a little planning now, that could be you. Ive just come back from a shopping trip to London and throuroughly enjoyed my day out Christmas shopping in September! Ive just taken a half day off work during the week and visited all the big department stores in comfort and peace. Harrods, Hamleys, Harvey Nichols all in relaxed surroundings and no crowds. I had a reasonable list of people and ideas and went looking for items and more ideas, plis I was intent on enjoying myself. The stores were almost empty, the staff very helpful and the cafs had plenty of space for my frequent breaks. I came back with a bunch of great presents and a heap of further ideas for other presents. I now intend to purchase the remainder of my Christmas list using the internet from the comfort of my own home. Ill save some more money and if I do that now, I wont have to worry about Christmas delivery schedules.

Plan ahead, plan well and plan to have a peaceful and relaxing time this Christmas.

Sue Barnard authors consumer information for a variety of money saving and personal finance websites. More of her work can be seen on this http://www.finance-team.co.uk website and this http://www.cheap-rate-loans.co.uk website.Auria Blog13942
Ainslie Blog38341

How to be successful with Google Adwords

Are you thinking of using Google Adwords for the first time or have you recently tried it and gave up because you didnt get the results you had hoped for?

There are many people who give up using Google Adwords because they are not getting the traffic they wanted or its costing them more money that they can afford or both!

A lot of people think that to be successful with Google Adwords you either have to be lucky or practicing some black art.

However the good news is that Google Adwords does work and you can make it work for you. By simply following the following steps, you will have a well performing Google Adwords campaign which will bring the right type of visitors to your website.

Many advertisers do not follow these basic rules and they get there advertising all wrong. So just by making sure you follow these basic steps you will already be ahead of your competition.

Understand the link between keywords, your ads and your website.

This is the golden rule for Adwords.

Google is all about relevancy.

Google wants to be sure that when one of its customers searches for something that they find websites that are relevant to that search. So you need to make sure that your list of keywords in your adgroup work well with the ads you have set for that adgroup AND that the page you send visitors to when they click on you ad also has relevancy to the list of keywords.

Keep this rule at the front of your mind when you set up your campaigns.

Avoid Broad Searches
When you set up your keywords for Google Adwords, the default setting is Broad Match.

What this means is that Google will match your keywords against a search if your words are present in the search regardless of the order of the words, whether they appear together, are plurals, etc.

As an example if you use the term used shoes as a broad match then the following searches in Google would match to your keywords

used shoes
used shoes shop
used horse shoes
shoes used in modern dance
new and not used shoes

As you can see this can give quite a few matches that may not be relevant to your website.

You should avoid broad searches and target you keywords with phrased and exact matches.

A phrased match is one where the keywords will only match if they are used in the exact sequence of your keyword. You enter a phrased keyword by putting curly brackets {} around your keyword.

So for our example, if I used {used shoes} then

used shoes
used shoes shop

would match but

used horse shoes
shoes used in modern dance
new and not used shoes

would not.

An exact match is one where the keywords will match only if that exact phrase is entered and no other words are used for the search. You enter an exact keyword by putting a square bracket [] around your keyword.

So for our example, if I used [used shoes] then

used shoes

would match but

used shoes shop
used horse shoes
shoes used in modern dance
new and not used shoes

would not.

Avoid using the Content network.

You can set up your campaigns so that you ads appear on both Googles search network and its content network.

The content network consists of websites that allow Google ads to appear.

I recommend turning off the content option when you set up your campaign because you ad may not always appear on websites that a very relevant to the ad you are running.

Only advertise to locations that it makes sense to.

When you set up your campaigns you can select which countries you want your adverts to appear to. So for example, if you sell a product in the USA that you would not ship outside then there is little point for your ad to appear to people in Europe or China for example.

Pick the times you want your adverts to appear

You can select what time of day you want your ads to appear. So if you are trying to advertise to UK buyers who are surfing during the evening, then those are the times you should be setting your ads to appear.

Organise your ad groups and campaigns

One campaign with one adgroup and one massive list of keywords is doomed. This is the one single mistake that many first time users of Google Adwords make.

Before you start using Adwords, I strongly recommend you sit down with pen and paper to plan out your campaign and adgroup structure.

What works best does tend to vary based on what you are trying to sell. However as a guide for each campaign you should aim for no more than four or five adgroups each with ten to twenty good keywords. This will give you a set of campaigns which are easy to maintain and the keywords in each adgroup can be targeted effectively.

This is only a guideline though. Ive actually had an adgroup with only one keyword and it performed wonderfully.

Use Landing Pages

So many people make the serious mistake of sending their visitors to their home page when they click on their ads.

You really want to send then directly to the page that is relevant to the ad you are running.

So for example, if you have an online clothes shop then for any adverts you are running for mens gloves, you really want to send them directly to the page for mens gloves.

So, dont use your home page unless it makes sense. Send your visitors to land on a page that is relevant to the advert they clicked on. If you dont have a page that is relevant to the advert, then why are you running that advert!

Use more that one Advert and TEST!

Always, always have more than one advert running for an adgroup. This allows you to see which advert is getting the best clicks through rate. You can then change the lower performing adverts and try to beat your best one. You will soon find that you have some very effective adverts.

However to test properly, you need to set the adverts to rotate evenly. This is set in the campaign settings. In the ad serving option under the advanced settings, make sure you select the radio button for Rotate: Show ads more evenly.

Mike Seddon is the founder of KKSmarts. Their free Website Promotion Guides help many businesses to get the most out of their websites. The KKSmarts forum contains many free guides in written, audio and video format. They have guides on all things including how to do pay per click, how to optimise your website and many more. For more info:Adriana Blog71724
Ariel Blog90118

3 Important Things Affiliate Marketers Must Do To Succeed

Affiliate programs are methods to promote web businesses, in which a publisher (affiliate) is rewarded for every subscriber, visitor, customer or sale that is provided through his or her efforts. There are three important things every affiliate marketer needs to survive. The best course of action cannot be clear, unless they have listed and considered the alternatives.

The three tactics are as follows:

1. Use a unique web page for each product or service: This is the first strategy that every affiliate marketer should follow. You can use the unique web pages for promoting each separate product that you are going to market. Do not keep all of the web pages together in order to save money on web hosting. It is better to have a website that places focus on the product and nothing else.

Always remember to include the reviews of products on the website, so that it becomes easy for the visitors to get an initial understanding regarding the benefits of the products on the people who chose to buy it.

Articles that highlight the use of products can also be posted. Articles on every topic imaginable can be copied from the major article databases, with the full permission of the article authors. Make your web pages compelling and attractive and also include calls for acting on the information. The headline should be written in such a manner that it makes the readers want to read more. Highlight all the possible special points about your recommended products.

2. Offer free reports to your readers: This is the second tactic that you should follow to become successful as an affiliate marketer. If it is possible, include the free reports at the top right of your web page, so that there is little chance of your visitors missing it.

Create an auto-responder campaign that will be mailed(at set intervals) to the people who add their personal information in your sign up box. Based on research, a sale is usually closed around the seventh contact with a particular prospect. There are possibilities of just two things happening with the web page alone, closing of sale or the prospect leaving the web page and never returning. If you send your new subscriber useful and targeted information over a lengthy period, you will frequently remind them of the product or service that they were interested in and send them back to your site time and time again with a chance of closing the sale each time.

3. Drive traffic targeted to your product: One way to do this is to setup a Google adwords campaign targeting certain targeted keyword phrases. Adwords can be quite expensive though especially when starting out. I find that the more unqie relevant content I add to my site the more free search engine visitors I attract to my pages.

These are just three basic tips for making the most of your affiliate products. There is a lot more to learn and impliment if you are ever going to make it as a 'Super Affiliate'.

Download Mal Keenans' Free & Exclusive Top Rated Affiliate Marketing Secrets Guide: http://www.affiliatenetworkmoney.com/Alyson Blog60850
Anne Corinne Blog79443

How To Win With Clickbank

ClickBank is a marketplace for digital products such as software and e-books. It is also a collection of information products that you can promote as an affiliate. But if you want to be a successful affiliate marketer and actually make money, then, Clickbank is an ideal place to start.

ClickBank is a third-party online payment processor that handles all of your financial processes. Clickbank is geared towards digital products, which makes it very popular.

IMPORTANT POINT: The reason people will promote another product as an affiliate through Clickbank is because they know they are going to get paid on time. Clickbank is a program that I know quite a few bloggers use. Using ClickBank is a guarantee that everyones affiliates always get paid.

ClickBank is a very easy and cost effective way to start selling internet products. Clickbank is a very powerful tool for you as an affiliate manager. Clickbank is one of my favorite networks because it is very easy to use and provides an excellent way for me to earn money as an affiliate.

ClickBank is the Internet's largest digital marketplace, where thousands of the web's most popular products are sold every day. Thats why you need to be a part of it.

If you're a "newbie" or newcomer to internet marketing, you may not have heard about Clickbank, so in this article I will Endeavour to explain some of the more important aspects of it.

It is this combination of features that makes Clickbank a formidable competitor to other online marketing structures. Check out Clickbank now, and have a look around for yourself.

The benefits of affiliate marketing through Clickbank far outweigh any potential negative experiences that may arise due to an unscrupulous few. It is one of the best places to start in affiliate marketing. Affiliate Marketing is the easiest way to build a business on the Internet, you dont need a website, domain name, (You can if you want to but its not necessary) and everything is done for you.

Every internet marketer should have Clickbank in their arsenal of marketing tools. There are other "affiliate marketing" websites, but Clickbank is one of the most popular. Click Bank is arguably one of the largest online marketing networks.

Over 100000 affiliates rely on ClickBank for accurate tracking and timely payments plus a load of other valuable resources. Your affiliates can enter their ClickBank nickname, and with a click of their mouse, have their own secure, encrypted affiliate link.

Although, for those that like a bit of control in managing their affiliates ClickBank gives you little control, however it is still an excellent option . All sales that come in are stamped with their affiliates ClickBank nickname, so the program knows who to pay. Your affiliates can now feel more confident in promoting your products knowing that their info is protected all the way to Clickbank's order page.

And you can tap into the 100000+ affiliates on ClickBank and have them promote your product. Stop waiting for commission checks-- Affiliates are paid by Clickbank twice per month instead of quarterly. If they have not done so already, all affiliates must sign up on the Clickbank website.

Among the top selling products on the net, over 75% of sales are generated by affiliates. Overall affiliates generate over 50% of all ClickBank sales. To make sure you get your commissions on time, most affiliates join through CLICKBANK. Affiliates Earn anywhere between, 20%-75% or every sale. Many thousands of affiliates sell ClickBank products, making it an easy and excellent choice for anyone selling a digital product.

Subscription to the affiliate programs is absolutely FREE, and you can get started instantly upon signing up with ClickBank.

The first step in getting set up in the affiliate program is to get your own personal Clickbank "nickname", as they call it.

Over the years many people have made incredible incomes as a Clickbank affiliate.

Using ClickBank is a guarantee that our affiliates always get paid, they have a very good reputation for paying on time every time.

Clickbank is such an attractive proposition for affiliates to use, because its so easy to use. Thats why so many affiliates make Clickbank their first stop when looking to promote something.

Clickbank is an excellent place to get a start in product sales on the Internet; if youve got your own product then this is the best way to sell it. Youll find thousands of affiliates ready to start making you loads of cash.

Len Cecchetto writes articles to help people on varied subjects. Clickbank is one of them, he knows the power of this program. To find out more on how to make a constant and good income using Clicbank, check out this site now. http://www.ozmarketing.info/domcb/ You can use this article so long as the bio box remains in the article.Alidia Blog86095
Allianora Blog67052

Payday Loans What You Must Know!

Sometimes when things become a little tough, we do things without too much thought. Usually because we want to put the tough thing behind us and move on. This can result in jumping in on payday loans and regretting it later. Payday loans aren't all that evil as long as you know what you're getting into and you take some time thinking about actually doing it and how you'll later terminate the loan.

To begin with, payday loans arent always a good choice! Dont get tricked by the ads from the mall, radio, television or Internet. Even if you desperately need some cash until your payday, you should consider all the alternatives first. In my opinion, a brief definition for payday loans is expensive cash.

Payday loans are short-term cash loans. The amount of money that can be borrowed regularly ranges from $100 to $1,000, and it depends on the laws of each state. The average term is about two weeks. Payday loans are made by check cashers, finance companies, payday loan stores, and others. They are also designated as cash advance loans, check advance loans, deferred deposit check loans or post-dated check loans.

This is how it usually works: the borrower writes a personal check for the sum borrowed plus a fee and he receives the amount he or she wishes minus the fee. Fees are regularly a percentage of the value of the check, but they can also be a fixed value charged per a specific amount (like $15 for each $100 borrowed). When the next payday comes, the borrower can redeem the check for cash. Otherwise, he can pay the finance charge again and roll the loan for another two weeks.

To get an idea of how expensive payday loans are, you must know that this type of loan costs on average 470% APR (annual interest), while the APR a credit card is rarely higher than 60%.

Lets assume you want to make a payday loan for the amount of $300, the loan fee is of $17.50 per $100, and the loan term is 14 days. Therefore, in order to redeem the check you have to pay $352.50 when the 14 day period is over. You can pay it by cash or you can allow the check to be deposited at the back. If you still dont have this money, you must pay the fee of $52.50 to renew the loan for another loan period. This means that borrowing $300 for a month will cost you $105. Thats not cheap at all! By comparison, a $300 cash advance on an average credit card, repaid in one month, would not cost you more than $15.

All you need to get a payday loan is an open bank account and a steady source of income. However, lenders are not necessarily interested to find out if the borrower can afford to repay the loan. If you dont pay the loan, it becomes an uncovered check in your bank account. If you fail to repay it, you will get a bounced check fee from the lender and from the bank. You will receive negative ratings on specialized databases and because of this you might lose your bank account and have difficulty in opening a new one.

Because of the very high cost to borrow and the short repayment terms, the consumers sometimes tend to be trapped in repeat borrowing cycles. Reports show that almost 60% of all loans made every day are either loan renewals, or loans taken out by the same consumer immediately after paying off the last one.

Payday loans with three-digit interest rate are prohibited in twelve states in the USA, where they are considered to be small loans or usury caps.

The internet payday lending has become very popular lately. You can apply online and loans are directly deposited into your bank account. When the payday comes, the amount of money youve borrowed is electronically withdrawn. If you choose to renew the payday loan, the finance charge is electronically withdrawn from your account.

Here is a suggestion in order to avoid getting a payday loan. First of all, shop carefully! If you really need that money, try to get an advance on pay from your employer or borrow the money from family or friends, at least you can do this for free (usually). Figure your daily and monthly expenditures, and try to avoid unnecessary purchases. You should also build some saving, so that there will be no need to borrow money for unexpected expenses or emergencies. If you still decide you want to use a payday loan, make sure you dont borrow more than you can pay with your next paycheck.

Bill Darken - He supplies highly informative eye opening articles and up-to-date loans news as well. You can see it here at loans or if the previous link is not working, you can paste this link in your browser - http://loans-only.comAlayne Blog18150
Auria Blog13942

Credit Repair - It's All About Saving Money

Why is credit repair important? It comes down to one simple thing - saving money.

Everyone has a credit report. It turns out that about 70% of all credit reports contain inaccurate or untimely information. This can have an adverse effect on your credit score and that can cost you money. Credit repair is the process you undertake to remove or correct these errors on your credit report.

The great thing about repairing your credit is it's not difficult to do. The first step is to obtain a copy of your credit report. If you have been turned down for a loan or credit, you are entitled to a free credit report within 60 days of the rejection. You are also entitled to 1 free report from each of the 3 credit reporting agencies each year.

The next step is to let the credit reporting agency know in writing what information you think is inaccurate and request that it be removed or corrected. Make sure you send the letter by certified mail so you have a receipt with a record of when you sent it. Always keep copies of your letters.

The credit reporting agencies have 30 days to investigate your dispute and get back to you. If they find the information under dispute to be inaccurate, they must notify all three credit reporting agencies and the creditor or organization that provided the information. All of them must correct the information in your file.

When the investigation is complete, the credit reporting agency will provide you with the results and a copy of your updated credit report for your review.

If the investigation does not resolve the issue, you can request to have a statement of the dispute added to your file and on future credit reports.

Then you need to send a letter to the creditor or organization that provided the inaccurate information, telling them that you dispute their information. Include all documents that support your position. If the creditor reports the information to a credit reporting agency, it must also include a notice of the dispute.

So why go through this exercise? Your credit score determines how much interest you pay on loans or credit. If you add up how much interest you pay on your car loan, home mortgage and insurance, you can see just how much money is at stake - it can be thousands, tens of thousands or even hundreds of thousands of dollars. It can even determine if you get a job or not.

Credit repair is vital in making sure your credit report is accurate so you can save money - sometimes a great deal of money.
Thomas Erikson is co-founder of http://www.your-debt-consolidation-loan.com which provides http://www.your-debt-consolidation-loan.com/credit-repair.html information and solutions.Alicea Blog7797
Aurel Blog96291

Baby Photo Contest 5 Good Reasons To Enter Your Baby Or Toddler

You think your child is the cutest thing on the planet, but so does every other parent. While that may be your sole purpose in entering a child into a photo contest, here are 5 other reasons you should considering entering your baby or toddler into a baby photo contest.

#1 Most baby photo contests offer prizes. Most of the time, the Grand Prize is Cash. That is the easiest money you could ever make. This would be a great way to save money for college.

#2 If you are looking to get your child into modeling, pageants, TV or magazines, baby photo contests is a great way to start. Some baby photo contests even send your baby photo entries to modeling agencies if they like what they see. This is great exposure for your child.

#3 Its a fun and exciting thing to do for you baby. Imagine your childs surprise when they know how much you thought of them that you entered them into a baby photo contest.

#4 You have tons of baby photos. Do something different with them. Scrapbooks and photo albums are wonderful, but entering your baby into a baby photo contest is exciting!

#5 Satisfaction of winning! You know your baby is a cutie pie. Winning would be proof! Some baby photo contests even offer prizes to all children whether they place in the top 3 or not.

Some baby photo contests are free to enter and others you may need to pay for. I have found that those with fees offer the better prizes and have less competition for your baby and toddler. Be savvy in choosing the baby photo contest you enter. The less popular the site and contest, the less competition you will have. There are also some baby photo contests that offer online voting. With those contests, you have more control of your child's chances at winning.

Remember that baby photo contest are a form of entertainment that can benefit your child, however you musn't take them too seriously. Otherwise you miss out on the fun of the whole experience. Good Luck in finding a great baby photo contest.

Cynthia Marcano is owner of My Adorable Smile Baby Photo Contest. Visit http://www.myadorablesmile.com and enter your child today for a chance to win cash and other prizes.Adrien Blog60710
Adrian Blog80678

5 Sure-Fire Boosts to Your Online Money-Making Success

Ok, youve purchased one of those money-maker products and its giving you all sorts of ideas for making money online. Now what?

Although its possible to generate Internet income without a website, youll eventually want one or even several so you can get listed in search results. But dont forget, search engines love to send visitors to content-rich websites, so youll want to cram your sites with useful information. Heres how it works Good content impresses your visitors, who are then coaxed into buying.

What can you do to boost your fledgling online business? Study and learn, and then keep studying and learning! I know it sounds like work, but competition on the Internet is fierce and soon only the very knowledgeable will succeed. You can make yourself one of the success stories.

Heres how to build a website business that will put more online cash in your pocket.

Step 1: Buy a product that includes a free, starter website.

Some money-making products offer a free website after you purchase the package. Its a great start for your Internet empire, so take advantage of the offer.

Recommended: Adwords Miracle, The Ultimate Wealth Package, The Rich Jerk.

Step 2: Use Adwords ads to get traffic to your website in a hurry.

Check out books from the library or book stores to get familiar with Google Adwords (that's the name of Google's pay-per-click (PPC) ad program). These ads appear in the Sponsored Links area, to the right of web search results.

How does Adwords work? You pick targeted keywords and write a brief ad to entice your visitors to click. Its the quickest way to get traffic to your website, but it will cost you. You bid on the keywords you want your ad to be listed for and pay the bid price each time a visitor clicks on your ad.

Recommended: If you have the money, buy at least one information product that teaches the basics of PPC advertising and gives you some insight into the techniques professional marketers use. Two excellent products are Adwords Miracle and Beating Adwords.

Step 3: Learn some HTML and put Adsense ads on your websites.

You will want to adjust and adapt your websites to add more income-producing content. For example, Google has a free program called Adsense where you place Google Adwords ads on your web pages. Google gives you the instructions making it easy to place Adsense ads on your web pages, as long as you know basic HTML.

Adsense ads are matched to the content on your pages so theyre relevant to your website and of interest to your visitors. If someone clicks on an Adsense ad from your website you get credit for the click at approximately 50% of the per-click cost the ad owner pays Google.

Heres the benefit of Adsense: if your visitors arent ready to buy the products on your website, they may want to click on a relevant Adsense ad instead. If they do, you get some income to offset the cost of any Adwords ad they clicked to get to your site in the first place. In fact, some people actually make a living from Adsense revenue. You could be one of them!

Recommended: Your public library has books and CD-ROMs that can train you in basic HTML. If you prefer online instruction, try the free courses at W3Schools: (http://www.w3schools.com/html/html_intro.asp). For Adsense information: (https://www.google.com/adsense/).

Step 4: Become fluent in SEO (Search Engine Optimization.)

This is a fancy phrase that simply means adjusting the content and some of the HTML to make your websites more appealing to search engines, like Google, Yahoo and MSN. Search engines look for keyword-rich content and certain HTML tags to determine the topic of your site. The more search engine friendly you make your website, the higher you will appear in the search results. But why bother, if youre forking-out cash to have Adwords ads send traffic to your site?

Consider this Statistics show that searchers trust and click normal search engine results more than Adwords ads. So, if you tweak your site a little bit you will eventually get FREE search placement. Instead of clicking on one of your expensive Adwords ads, a prospective customer will see your website listed in the general search results and click there instead. That, my friend, is a NO COST click! Well worth a little study and some massaging of your website content and HTML.

Recommended: SitePro News. Sign up for their free newsletter about site promotion and search engine optimization at http://www.sitepronews.com. This is a quality site that wont spam you.

Step 5: Repeat, then repeat again.

Once youve mastered the above strategies, you simply create more websites using what youve learned. Check the money-making product you originally bought for ideas for website topics and products to sell.

Your Strategy Summary.

Ok, lets review how the whole process works. Heres what you do:

(1) Buy a money-making product with a free website that jump-starts your online business.
(2) Use Adwords to generate quick traffic to your website.
(3) Put Adsense ads on your site to offset your Adwords costs.
(4) Tweak your HTML and website content to improve your search engine placement and visitor interest.
(5) Create more websites using the free site as a template and duplicate your success, over and over again.

Thats how money is made on the Internet. Theres no real trick to it, you simply go from one successful website to another, earning a little money from each one. With some study and a certain amount of work, youll eventually own a website empire that generates enough cash for you to make a comfortable online living.

Tom Thomas is an Internet marketer who reviews the best money-making products, domain name registrars, website hosting companies and online marketing tools. See his reviews at http://BestMoneyMakersGuide.comArabel Blog35908
Annmarie Blog46147

Before You Fill Out a Credit Card Application

Wait! Don't fill out that credit card application just yet. You need to first pick out a credit card that's right for you and carefully understand the terms and conditions before you apply for it.

Here are the steps you need to take before you apply for a credit card.

1. Research

This is probably the most obvious step you can take. Just as you would compare grocery stores for their prices, you will want to compare credit card companies as well. Any time you plan on investing in an expensive product, you'll want to make sure you're getting the best deal. Credit cards are no exception. Plenty of places on the web offer ratings and reviews of various credit card offers - but don't simply read over them, call up the various card issuers as well to confirm that the information is up to date. The Federal Reserve Board is the most objective source of this information.

2. Determine your budget and needs

Write down all the different features you need the most in your credit card. If you have all of this clearly defined from the start, it will be harder to become distracted by other enticing offers that may lure you off the course that leads to the better lending institutions. It will also, of course, help you narrow your search for the best credit card out there so you can find one that suits your budget. You can even prioritize what you want in a card, so that you can adequately weigh your options later.

3. Review

There are a variety of plans available - look over the different offers. Would you benefit from low APR or a personalized card that offers benefits like frequent flyer miles? Compare your list from Step #2 with the different plans that you come across. You also might consider joining a credit union, which is a non-profit institution. Credit unions greatly benefit the consumer and they are expanding, so find out if you qualify for this special credit card loan.

4. Compare

This is the final step. Now that you've researched and reviewed your different options, use your "wish list" (from Step #2) as criteria to judge all the various plans. Mastercard, Visa Credit Card, Chase Credit Card, Citi Bank, Advanta, Orchard Bank, Discover, American Express - there are several possibilities and you're sure to find the perfect credit card for you.

Remember, however, that your credit history precedes you and it may limit your options. If you have some bad marks on your report or simply haven't developed a report at all, you may be prevented from obtaining the card you want. But use that as an incentive to keep up with your payments and stay within your credit limit from hereon. This way you can build up a good credit history so that more doors open for you and you can enjoy more financial freedom in the long run.

Chris McCullough is the founder of CreditcardSuperstar.com, a credit card shopping service which allows consumers to shop, compare and apply for low interest rate credit cards online. The leading site offers over 75 different credit cards from Discover, Chase, American Express and other top banks and financial institutions. A free report on how to get the best credit card and avoid common mistakes is available at http://www.creditcardsuperstar.com.Ariella Blog85507
Ailey Blog35592

Fun with Business Credit Cards

Business credit holds a lot of promise for small business owners, but comes with some caveats. Before anyone gets too excited, allow me to temper your enthusiasm by saying most business cards are going to be based primarily on your personal credit scores for companies with less than 1 million dollars in revenue. If you are just starting out, then your personal credit will almost certainly be the prevailing factor as far as you getting approved.

For the beginner, your jaunt into the business credit realm starts with Dun and Bradstreet, the business credit bureau. Experian also has a smaller business directory as well, but D & B as they are called is king. The first thing you need to get is a DUNS number. A DUNS number is needed for any business to report, and the number is free.

Your goal is to get a Paydex score. A Paydex is a business FICO that ranges from a low of 0 to a high of 100. The goal is a score of 80, which equates to a 700+ FICO. Beware of the hard sell for credit builder. The reps will call and send emails incessantly trying to get you signed on for this credit builder program. They'll tell you that you only have a marketing file and you absolutely have to buy this program. The fee for the program will change from the $700 range to the $200 range and everywhere in-between. The truth is that companies report automatically, you can easily get a Paydex score for free, and the hefty commission for hawking the credit builder product is the motivation for the reps. In general, you need 5 companies to report to get a Paydex.

Credit scoring is also different than personal scoring. The main variable is how soon you pay something off. If you buy something and wait 30 days to pay it, your score will be lower than someone who pays it off in 5 days. Larger accounts count more than smaller accounts, so someone with a 100k balance will get more points for paying it off than someone with a 5k balance.

Finding companies to report is fairly simple. Start with the basic office supply companies like staples, office max, office depot, and Viking. They give easy credit to just about anyone and report. Wait roughly 45 days for these companies to report.

Once they report, move up to the Home Depot, Lowes, and Dell level. These are slightly harder to get credit from, as they typically want to see a few positive trade lines first. Again, wait the requisite 45-60 days for all these companies to report before moving up to the next level: general use credit cards.

Getting a general use, regular credit card is much harder. Many companies look at both your personal and business credit scores, although some may only need to glance at your business scores to get an approval. Citibank generally will give you a general use card if your business credit file is strong enough. I personally got approved for three business cards with CITI and only had to endure one credit pull.

Advanta offers really great business credit card offers, with a lengthy promotional APR period, low rate afterwards, and overall very favorable terms. The flipside is that Advanta is also one of the most picky credit issuers, and they base much of their approvals almost entirely on your personal score. If you have any personal credit woes, you'll probably be declined, and this includes having more than 6 inquiries in the last 6 months, too many new accounts, or balances that are too near their limits.

There are two major benefits to having business credit cards. First, they don't report to your personal credit, unless you default, so expenses you may have bore that made you appear to be more risky or close to your credit limits will not show in the future. Secondly, many business cards come with travel and other rewards programs for gifts, concert tickets, or healthy cash back percentages.

For success, make sure your personal credit is clear, and follow the tips listed above. It doesn't take that long to build a business Paydex of 80, probably only 4-6 months at the most.

Chris McCullough is the founder of CreditcardSuperstar.com, a credit card shopping service which allows consumers to shop, compare and apply for low interest rate credit cards online. The leading site offers over 75 different credit cards from Discover, Chase, American Express and other top banks and financial institutions. A free report on how to get the best credit card and avoid common mistakes is available at http://www.creditcardsuperstar.com.Aurelia Blog78332
Averyl Blog98832

Business Banking Keeping Your Accounts Healthy

Theres no room for complacency when it comes to running a business, and running your account is no different. You should check your statements carefully, and have a periodic review of the market to make sure your account is still the best one for your needs.

New accounts and special offers crop up all the time, and it may be worth your while to change banks. You can also point out the competitions rates when negotiating terms with your own bank often these are flexible and a bank may offer you improved rates if you hint that you are considering taking your business elsewhere. Stay on top of bank charges, and if any show on your account that you do not understand, contact the British Bankers Association for more detailed explanations on charges and interest: www.bba.org.uk

There are ways to minimise charges and run your account as smoothly as possible:

1. Automate Your Account

If you have frequent customers, you could encourage them to make payments by direct debit or standing order. The more electronic payments you have, the fewer charges you will incur. The same goes for your expenses try to use automated services for all your regular payments.

2. Bank Online

If your bank account has online facilities, make use of them. It is both more efficient and cost effective. Larger businesses may be offered PC banking, which involves special software being installed on your accounting computer, so that your accounting system is linked directly to your bank.

If you find yourself struggling, for example if cash is short and its becoming difficult to meet the repayments on your loan, the best course of action is to visit your bank and renegotiate your account. You should do your best not to exceed any overdraft limit that has been agreed, and stick to the terms of your account. If you break the terms of your agreement there can be stiff penalties, such as referral fees and administration costs.

If you accept a cheque which then bounces, you will lose the money owed to you and also incur a charge. Be sure to write the number of the cheque guarantee card on the back of all cheques

You should also keep your records scrupulously accurate noting all transactions and crosschecking your records with your bank statements. Not only will this mean you can query any discrepancies, but it will make filling in your tax return much quicker and easier!

Joe Kenny writes for the UK personal finance sites http://www.ukpersonalloanstore.co.uk and also http://www.cardguide.co.ukAnnissa Blog29029
Alana Blog59006

Democrats Will Not Win House, Republicans Will Lose It

Tomorrow is Election Day in the United States. Every member of the House of Representatives is up for re-election, and one third of the United States Senate. It is difficult living in the greatest democracy in 12,000 years of civilization, and not after a while grow use to the freedoms that our ancestors gave their lives for.

The Constitution and Declaration of Independence could only have been created by a specific generation in the 18th century, the time known historically as the "Age of Reason". These men, and they were men, knew more about the history of ancient Rome and Greece than we do. They had studied and read Plato, and Aristotle. They met in groups and talked and educated one another.

I dare say that today in a country of 300,000,000 Americans, we could not replicate the brilliance of the individuals, and their youth that met long ago and formed our government. It is truly one of the miracles of history, and this grand experiment has evolved and lasted for more than 200 years. It has survived the Civil War, a conflagration that consumed more lives than all other wars combined that the United States has been in since. We survived the Great Depression, thanks to the leadership of Franklin Roosevelt. Viet Nam and Watergate ripped the social fabric of this country apart, and we survived it.

Now tomorrow November 7, 2006 is our first opportunity to pass judgment as voters on the Republican's handling of the Iraq war, and indirectly terrorism. President Bush is not up for election, and this means that people must vote indirectly on his policies. This vote will be communicated through the House of Representatives. I believe that people will not be voting for the Democrats tomorrow. I believe they will be voting AGAINST Republicans.

The momentum or perhaps anger against the President's policies is so strong that the House of Representatives will switch hands, and with it will go the power to slow down the President's momentum, and perhaps reverse many of his policies. Of course, we have the benefit of hindsight in looking at how our country has been guided over the last several years, but let's revisit some of what has gone on, and decide the merits of the President's actions.

IRAQ We know now that the basis for the war was without merit. The underlying assumptions that Saddam was manufacturing Weapons of Mass Destruction, and perhaps would have used them to create great calamity for others was FALSE. Nevertheless we must now deal with the aftermath of the invasion. Iraq can not turn out well for us at this point. Regardless of what happens from this day forward, it will not be a friendly end for our involvement, just as Viet Nam did not end well. When you open Pandora's Box, you do not know what will come out. Politically Pandora's box is the equivalent of the "Law of unintended consequences." We are paying a price for opening the box, America with its treasure, and energy, and more importantly our soldiers with their lives, and limbs.

We did not arm our soldiers well, many pay for their own body armor, and are cannibalizing steel off of other vehicles to reinforce the steel of the vehicles they drive. This happens in a country as rich as ours. The President wages war but sought no sacrifice from the American people. Instead he expands the National Debt to finance the war, and puts the burden on our unborn children to pay for. Simultaneously he created tax cuts for the Rich, which I approve of, but not in a time of deficit. You don't borrow money from Japan, China, and the Europeans, and then give it to the rich via tax cuts, once again leaving the burden to the young in this country. That's just plain WRONG.

Eavesdropping and the Bill of Rights

The President chose to circumvent the Constitution and the Bill of Rights by having the National Security Agency (NSA) create a huge funnel whereby conversations of ordinary citizens in the United States were monitored in the name of Anti Terrorism. Thirty year employees of the NSA reeked in horror at the notion. Every bone in their bodies told them it was wrong. All the President had to do was appoint Federal Judges to the NSA to approve and monitor the program. There are similar judges who sit in the FBI offices full time for over a decade now who routinely approve Federal wiretap orders.

The President has put himself above the law in this case. He knew he was secure with a Republican majority in both houses of Congress who would protect him in ways that Richard Nixon was not protected. Nixon would never have been driven from office if he had posssessed a Republican majority.

What about Congress itself?

I have been a student of Congress since Lyndon Johnson was President in 1963. For many decades I actively worked to create a Republican majority in both branches of the Congress. My background includes being a Barry Goldwater Republican. I have seen the filthy, back room, money changing aspects of politics all my life, and it has been on both sides of the aisles. What I see now that is unique is in your face corruption. The waste use to amount to hundreds of millions of dollars.

The waste is now billions of dollars, even tens of billions of dollars. There was a time as they say when the MERE APPEARANCE of IMPROPRIETY would be enough to drive an elected official from office. Now the appearance doesn't mean anything anymore. You have Senators and Congressmen on both sides flying around in private corporate aircraft. As a result they have debts to the owners of those planes that must be paid for with favorable votes on bills. These bills cost the American taxpayer billions of extra, and unnecessary dollars.

An example is the Drug Bill for Senior Citizens where by the law specifically states that the federal government can not enter into negotiations with the drug companies to demand, and FORCE lower prices. Wow, you talk about giving away $25 to $50 billion extra dollars per year. Frankly, I don't think the Republican members of Congress got enough from these drug companies. The drug companies gave the Republicans $12 million in contributions, and got back tens of billions in the laws that were passed. If you are going to be corrupt, you ought to get paid more than that.

I believe that Tuesday, Election Day there will be a momentum tide that will sweep out the Republican majority in the House, and come close to taking the Senate. With this act, the American people will put the Congress and the President on notice that these types of actions will not stand. We may go back to gridlock, but for this writer, gridlock is a pleasure compared to our experiences of the last few years.

Goodbye and Good Luck

Copyright (c) 2006 Richard Stoyeck

Richard Stoyecks background includes being a limited partner at Bear Stearns, Senior VP at Lehman Brothers, Kuhn Loeb, Arthur Andersen, and KPMG. Educated at Pace University, NYU, and Harvard University, today he runs Rockefeller Capital Partners and StocksAtBottom.com http://www.stocksatbottom.com.Alisa Blog1875
Alicea Blog28598

The Time Value of Money

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

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

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

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

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

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

Future Value = $165,000

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

Maria Fee is a mortgage professional, real estate investor, teacher, and master marketer with more than 20 years of business experience. Maria is the President of REMI KNOX, LLC, a group of investors who purchase real estate notes nationwide. Quoted by the media as an expert, she is continuously recognized for her extraordinary knowledge and real estate investing experience. Angelika Blog90562
Alys Blog63090