Posts Tagged ‘other’

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Facts About Credit Card Debt

Thursday, April 19th, 2012

Credit card debt is a much discussed topic in both financial and social circles. A big proportion of the population has gotten itself into trouble with credit card debt.

The main reason for so many credit card related casualties is that many people don?t understand the idea of credit cards properly. They treat credit cards as free money. So all the control, which would otherwise have been exercised when spending hard-earned cash, goes by the by.

Which means that people overspend and get into credit card debt. They keep spending until they arrive at the credit limit on their credit card. Some people treat it like a game and consider it a defeat (or consider their credit card under utilized) if they don?t hit the credit limit quick enough.

These unnecessary spends result in a condition where they are not able to pay back their credit card debts and end up paying interest on the amount they owe.

This keeps building up their credit card debt and they soon discover that the interest constituent has become a normal element in their monthly expenses and it is present even if they spend nothing on their credit card. That is credit card debt at its worst.

Soon they realize that their current credit card can no longer handle their requirements and they start looking around to get another credit card.

With the additional credit, they let themselves free again and follow a ?shop till you drop? schedule. Almost immediately the credit limit of the new credit card is reached too and they again shirk on payments. This is how credit card debt accumulate.

After a while, they might learn about credit card debt consolidation and other credit card debt eradication methods. They are quick to grab such credit card debt reduction techniques, but that?s not because they are serious about reducing their credit card debt but because of the alluring low APR offers.

As if it were treasure, they again go back to building up their credit card debt. All the while they are spoiling their credit card rating and they soon come to understand that no one is prepared to loan them any money because of their credit history.

At this point, they can only get a secured credit card (ie where you first deposit money into your credit card account and then only do you get the privilege of spending it (50-100% of it) using a credit card. Credit card debt collection agencies, the auction of their goods and bankruptcy is the next thing that awaits them and their dream disappears in a moment.

Don’t get caught up with credit card debt. You cannot win, unless you die.

Owen Jones, the author of this piece, writes on a lot of topics, but is now involved with Credit Card Application for Beginners. Please go to our website Using Credit Cards.

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Defeating Writers’ Block (part two)

Thursday, April 19th, 2012

No matter what the statistics tell you, some sites will soar and others will flop and you are a better man than I am if you can work that out 12 months in advance. My rule is, that if a web site does not triple my financial expenditure in a year, I drop it.

I do not count the pieces of writing because they can get recycled to aid other pages and the web pages can be recycled as new web pages on new or old web sites or, at the last resort, into pieces.

For that reason, I have classes of loosely related sites based on the main subjects I have identified, to wit, love, sport, cars, health, travel etc.

The main thing is to start with what people would like – not what you would like. Then, strive to find a niche within that market that interests you. The more removed your personality is from the norm, the more vital this is.

Never start with yourself, but you can twist the topic back to something that you know something about or are willing to research because you are keen on it. I do a heck of a lot of research and really like doing it.

I am not interested in collecting gold and gems, but my wife is and she asks my opinion often, so I am learning. Her son is getting married on 28-12 and he has to give his wife an ounce of gold as a present – that is what her mum wants for her, which is a further incentive to learn about gold, investing and market trends and swings, because I have to stump up for that gold.

There are so many items to write about.

I would like to create a site on orchids – I know nothing about them, but they grow like weeds here and they are my wife’s favourite flower. If that is too narrow, maybe ‘Thai Gardens’.

I was in Nan yesterday renewing my visa. I have already written a website on how to get a visa, but there is a stone-age tribe living in Nan Province of northern Thailand! 285 km from my house. They live in bivouacs and are nomadic. They are 10,000 years behind the remainder of Thailand.

My wife is getting skin growing across one of her eyes. It can easily be taken off and will require doing after the wedding, but I can see a website on cataracts coming up.

There are hundreds of millions of us Boomers so topics for us are sure to be well-liked. We are aging, entering a new stage of life, are computer literate and are not destitute. That’s a fantastic combination.

A further thought is: a man on the radio said the other day that there are more middle-class people in India than the total population of Europe. Imagine that!

And it is increasing by hundreds of thousands a year. And China is double the size of India. So they have (or soon will have) a middle-class equalling the populace of Europe and America combined. That is excluding the upper-class.

Discover what interests those nouveaux-riches and you will strike it big. I think that they love old-world style. Old European ‘style’ – not antiques, but silver salvers, beautiful whiskey glasses, posh dog collars, fancy walking sticks, Panama hats, silk scarves, sensible shoes, home schooling, English language courses, etc, etc.

Owen Jones, the author of this article, writes on a variety of subjects, and is now involved with Blogging. If you would like to know more, please visit our web site at PLR Articles.

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Effective Ways To Begin A Blog And Making Money

Thursday, April 19th, 2012

Everybody has something to say and most people are passionate about something that they would like to talk about. Individuals would like to take this desire to talk a couple of stages further – they would like to tell the world about it. That was impossible less that twenty years ago, unless you managed to be on TV or were syndicated in the world’s press. Now, of course, anyone can do it.

The Net makes it possible for everybody to have their say. The young and the old, the rich and the poor can discuss what they like on the Internet. You can use a website as your soap box or you could use a specialized web site known as a blog. If you cannot have your own web site for any reason, you could open a free blog at one of the numerous web sites that offer free blogs.

The word ‘blog’ is short for ‘web log’ and adding an article to your blog is called blogging. Blogs have become a very effective way of spreading one’s point of view. The latest kind of blogging is micro-blogging, which is the generic description for Twitter.

Blogging has been used effectively by inhabitants of countries where the provision of human rights is not a government priority. Just recently, dissidents in Iran, Iraq and Myanmar have kept the world up-to-date on repression in their countries through blogs. The blogs were frequently reprinted in the world press and reported on the International news.

If you would like to blog for free, search Google for ‘free blogs’ and take a look around. There are dozens of free blog sites about and they all offer different functions. Blogger by Google is one of the better ones, but there really are loads of different types of free blogs.

One thought is whether you want your blog to be open or closed. That is, do you want anyone to be able to read it or do you want just a closed user group (CUG), which could include your friends, your family or your colleagues.

It should not take longer that thirty minutes to set up your blog. Some providers want to approve new blogs, but others do not. You could be blogging within the hour, so write an article welcoming people to your blog and post it to the blog. Make it ‘sticky’ if you can, so that it is always the first post that visitors read when they arrive at your blog.

Make your posts educational and endeavor to keep them topical. They ought to neither be so short that it is not worth coming to read them nor so long that they become boring – 400 to 500 is believed to be about right.

You will need to advertise your blog or no-one will know that it is there. Do this by posting your pieces (with your blog address attached) to a few article directories. It is free and will give your blog a real boost in circulation. You can give up doing this when your blog is self-sustaining.

Allow all visitors to leave comments on the blog, because it encourages them to come back, but check frequently for spam comments and delete them because a blog full of spam looks neglected.

If you are interested in trying Effective Blogging, just visit our web site on Blogging For Beginners.

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How To Get Free Radio Advertising – Part 1

Thursday, April 19th, 2012

Most business owners recognize that advertising is essential to their business. However, in spite of knowing this, most business owners dislike advertising because it is dreadfully expensive. The trouble is that if you do not advertise, only your friends and neighbours will ever get to hear of you.

For instance, in our average sized town of 65,000 inhabitants, there are thirty-eight pages of builders in the Yellow Pages; each page has two columns and each column lists forty to fifty names on it.

These small businesses dream of TV and radio advertising like the big companies, but it is just too costly or at least they think that it is. Colossal companies such as Coca Cola and MacDonald’s expend hundreds of millions of dollars on radio and TV advertising, but small business have other, smaller opportunities to advertise locally.

One of these cheaper, sometimes even free, ways of advertising on the radio is ‘per inquiry’ or PI Advertising. This is a type of radio advertising that is very beneficial to the advertiser, because advertisers only pay for every inquiry about their advertisement. It is a little the same as Google’s ‘pay per click’ or ‘PPC’ advertising on web sites.

First of all, you will require a list of all the radio stations in the area that you are interested in. You can get hold of a list of licensed radio stations at your local library or they can get one in for you.

Then copy out the names of all the stations in your target area. It is usually best to begin with your own area and fan out from there, but if you have a precise target audience, you will have to some research first.

Next you should look through your list of radio stations and mark the ones that are of interest. For example, if you are selling skateboards, it is probably not worth advertising on a Classical FM music station.

The next step is to contact the manager of the station or maybe the Advertising Director. Explain your plan to that person in detail. it could go something along the lines of:

“I have a product that research has shown will sell well in your catchment district if it is advertised on your radio. However, I want to do a test run before committing to any long term advertising plan”.

“I will do all the writing of the commercial and I will do all the book-keeping. I will send the product out and I will handle any complaints and returns quickly and efficiently”.

“You will derive xx% of every sale we make. You take the phone numbers of the inquiries, pass them on to me and I will regard every name you give me as a sale for you. The product I want to sell is a xxxxxxxx, which retails at $xx plus $1 postage and packing”.

This concludes ‘How To Get Free Radio Advertising – part 1’, in the second part, we will be looking at how to secure your free, on-air, radio advertising campaign. Please look for part two on this web site.

Owen Jones, the author of this piece, writes on a range of topics, but is now concerned with Bose Radioss. If you would like to know more, please go to our website at Bose Digital Radio.

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What Should You Put In Your Social Network Profile?

Wednesday, April 18th, 2012

Everyone has heard of social networking web sites. Social networks such as MySpace and FaceBook. Most people who are on line all around the world have at least one account with one of these many, many social networks. They permit members to find long-lost friends, stay in touch with family and make new contacts in places or even countries that they have never visited

When you sign up to one of these social networking sites, you will get asked to fill in account details. These details have nothing to do with a bank account. Rather they are what most people call their ‘profile’.

This profile can ask fairly detailed questions on the pretext that the more information you give, the easier it will be for your friends to find you, should they be searching.

Typical questions are name, age, sex, address, schools attended, location of workplace, musical interests, hobbies, likes, dislikes, Yahoo, Hotmail and Gmail address book passwords and user names. They also want a photo.

They want your address book so that they can email your friends and tell them that you are now a member and offer them membership too. So, as you can see, it becomes vital to judge just how much detail it is prudent or you are willing to give away.

The first thing to keep in mind is: just because a social networking site asks you for an answer to a question, do not feel that you have to answer it. For instance, it is a fact that if you add lots of details and a photo, more members might recognize you and want to become friends, yet how many strangers do you want in your home town to know where you live, where you go to school or work and what you look like?

If you are concerned that you might become simple for a predator to find, lie about your locality. For example, if you live in a small town, say you live in the nearest big city and be sure you put a matching zip or post code from that city too.

If you post a photo, it is almost certainly not a wise idea to put details of where you go and where you live. On the other hand you could provide those details so that friends can find you, but use an avatar or cartoon to represent your image and use a nickname instead of your real name.

If you opt for a nickname, opt for a sensible one. ‘Hotand Lusty1990’ or ‘BigBoy1990’ are not apt for most surfers no matter how funny you may think they are at the moment of registration. Do not include your age or a tell-tale to your age either, as in the above examples. Surfers will assume that the number is your year of birth.

The guiding principle should be: how much would I tell a stranger if one walked up to me in the street? Not much, probably. Well, there could be thousands doing just that in the virtual streets of social networking.

If you are interested in trying Effective Blogging, just visit our web site on Blogging For Beginners.

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