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Credit Establishment 101
There will come a day when you need credit. You may want to buy a home or a car and your credit rating will become very important to help make these dreams come true. One of the first things you will need to learn is the basic principle of money management, especially the ability to repay your creditors on time within the 30-day grace period they establish for you. Most people secure credit cards as the first way to establish credit in High School or College. Upon getting the credit card, usually a low spending limit, the ability to repay the card in an orderly fashion will help you establish a positive credit rating with the major repositories.
How your score is recorded
Upon making your monthly payments to the Credit Card Company or bank, your information is electronically transmitted to a credit-reporting agency. Trans Union, Equifax and Experian are the three major credit agencies. Once you have made your payments consistently your rating will rise accordingly. Once your rating has hit 650 or better, your mailbox will become flooded with attractive offers for credit cards and loans. People will want to give you the world because you can pay your bills in a timely manner.
What else is affected with the credit rating
You may be surprised but if you do not act financially responsible, it can prevent you from getting a job, renting an apartment or even opening a bank account. The fact of the matter is that your credit rating is very important in today’s society. Your ability to keep it up to date by monitoring it is crucial. Once a year you can pull a free credit report from each agency. Check the report for accuracy, should it be reporting errors contact them immediately to resolve the issue. Some people might think a simple phone call can fix everything. That couldn’t be farther from the truth, repairing damaged credit takes time and only you can do it. Once you file a claim, stick with it and make sure it gets resolved. Once a correction has been made you will receive notification or an amended report from the agency showing the change. Your credit report has much more at stake for you in the present and in the future, watch it closely.
By Jakob Jelling
The Myth of Search Engine Submission
Contrary to what most people think, it is not necessary to submit your site to the search engines. In the early days of the web, when search engine technology was still primitive and search engines ability to crawl the web was somehow limited, it made sense to submit your site.
The Sellers Guide to the Buyers Eye
A strong tendency towards a sellers market will continue until the baby boomers finish the cycle of buying and selling real estate, estimated to end in 20 years, according to the Senior Real Estate Association. Baby boomers born between 1946-1964 are in their peak years for real estate investment.
Google Bring Deskbar Search To Windows Desktop. Now Any Website Can Take Advantage Of This Search Technology
Googles premier of desktop search proves that the desktop is an extremely valuable marketing real estate. Google, which holds about 75% of the Internet search market, just introduced "Deskbar" – a small desktop application that allows users to search Google directly from their desktops.Google currently rules the Internet, but positioning themselves on the desktop gives them the power to rule not only the Internet, but also the entire personal computer.
Prepare for Winter Before It Arrives
Even though we are still enjoying warm weather and winter seems far away, now is a great time to begin preparing. If you do a bit at a time before winter hits the tasks are not at all overwhelming.
Personal Branding Techniques for Real Estate Agents and Brokers
A key principle of marketing is to find something unique about what you offer as the basis of your sales message. Even if what you offer is a commodity, there is always one thing unique in your business -- you. A big error made by many Real Estate Agents and Brokers is to try to develop an institutional image like most big companies. People do not like to do business with institutions; they like to do business with people. In advertising terms, branding is the "image" created in the minds of people when they see or hear a name, product or logo. Companies invest a lot of money in creating and maintaining their brand, but the Internet has sparked a new trend called "Personal Branding". Personal branding isnt only important for promoting a product, business or political cause, but also for promoting yourself for advancement within your own organization. It involves developing your personal reputation. Branding can be done to any product, or any person. Before undertaking an exercise in personal branding, however, consider your distinctive strengths and abilities and what they offer the market place. Traditionally personal branding was for sporting celebrities who gained enormous coverage and following through their sporting prowess. Movie stars have also had celebrity status and association since movies began.
What is Bridging Finance
Once you understand what the term, “Bridging Finance” means, it’s easy to understand how it got its name.The purpose of a bridging or bridge loan is to provide short term cash for a real estate transaction until permanent financing is secured.Bridge loans are commonly used to “bridge the cash gap” when completing commercial real estate transactions.
Publicizing Your Company
Got a huge need for publicity and a tiny publicity budget You don’t need to have a Madison Avenue-sized advertising budget to make your name known.
Real Estate Marketing for the “You” Generation
Are you working in the real estate industry Are you a real estate agent, mortgage consultant, builder, real estate broker, appraiser, construction worker, etc
The Metaphors of the Net
I. The Genetic Blueprint
The "Psyche" of The Seller and The Tenant Buyer
For those of you who were not psychology majors the "psyche" is someonesmind. What motivates them. What are they thinking. How can you better understand them. All of which is important to those of us in lease purchasing. In fact, it is important to any business person. The ability to know what motivates your customer, how your customer thinks, and tapping into their "psyche" is what makes some businesses successful and why others fail.
A Few Easy Ways To Take The Headache Out Of Moving
Moving from one house to another is always a challenge, but it doesn’t have to be a nightmare.Here are some simple tips on how to get it done with minimal stress and strain.
Should Bloggers be Helping Google Fix Their PageRank System
By now, most bloggers have heard the announcement that the Big 3 search engines - Google, Yahoo, and MSN - have united in support of a new tag that will supposedly combat comment spam. The new tag is a nofollow attribute that can be added to links. When added to links in comment tags, the search engines will ignore them.
Is Accumulating a $1,000,000 Net Worth Easy Yes and NO
Is accumulating wealth as easy as following a 3-step plan Yes it is and no it isnt. As with many things in life, accomplishing a goal such as accumulating one million dollars or even $100,000 depends on your desire, your personal choices and your daily actions.
How To Create A Website In Less Than A Week
Heres a really simple way... any novice can create a fully functional website in less than a week.
Find a Job in a Fast Growing Field Using Labor Market Information For Your State
The question confronting most people who want to find a job is "whats a good paying job with growth potential"
Mjmls.com Offers a New Advertising Venue
After conducting months of research towards developing an online Marketplace, Mjmls.com initiated beta-release of a new Classified Advertising Venue http://www.mjmls.com. With several modifications to the Mjmls Website, users will now see the Classifieds as the main page at Mjmls.com. The original Web Directory, has been moved to a Sub-domain on the server, but is still available for Webmasters to promote their Site through a, “Link-Exchange”.
Real Estate Auction Action - Buying A Home At Auction
Due in part to the popularity of the U. S. Department of Housing and Urban Development HUDs home auction program, more potential homebuyers than ever are buying homes at auction. Homes for auction arent limited to just HUD, however. Many government entities auction homes for payment of back taxes, and some homeowners even auction their homes on eBay.com!
Before Selling Your Home
Here are some important steps you should take before you put your house on the market:
How To Get Sellers To Call And Beg You To Take Their Property!
Im going to give you the *basic* steps in my $0 Down Real Estate Investing Program. I outline the program in *detail* in my 324 page e-book. For details about the book. http://www.realrealestateexperts.com and much, much more!
Sub Domains - An Inexpensive Solution to Grow Traffic
Read this brief article that reflects what we learned about subdomains and their important role in effective internet marketing.
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