No Credit? Here Are Easy Ways You Can Build Credit

Are you someone who has not established credit yet? Are you denied the same access to credit cards, loans and other credit ways simply because your credit score is too low from not having enough credit or no credit at all. Do not fret, because help is on the way!

If you are planning on getting a personal loan, owning a car, having a home of your own, working in a bank or finally acquiring the furniture you've been longing for a long time then establishing a credit is the answer.

Here are a few ways you can start building up your credit report and get on the road to good credit!

– Start to apply for a guaranteed approval credit card that reports to the credit bureaus. Take your time and always read the fine print in order for you to find the best deal for yourself. These cards are similar to debit cards but they have the Visa or Mastercard logo on them and they report to the credit bureaus.

– Another option might be to check if the lending institution of your choice has a secured credit card being offered. The interest may be higher but you may be able to upgrade to an unsecured card within 12 months if you maintain your payments on time.

– Another type of credit card with easy approval requirements is the merchandise credit cards and department store credit cards. These are an excellent source to start to establish a line of credit. Make sure it's a store where you can purchase a lot of your shopping needs. This way, you do not need to apply for a multiple cards at once which can be seen as a negative on your credit report. One word of caution. Department store credit cards tend to have high interest rates, many of their interest rates start at 15%. So keep an eye on your balance and try to pay as much as you can each month. NEVER make just the minimum payment, especially on a department store credit card.

– Do not forget to fill up any application for a loan or credit card completely. If something does not apply put N / A on that line. Including your checking and savings accounts and any accounts you pay for on a monthly basis even if they do not appear on your credit report. If they do not appear on your credit report, please make sure you include a way for your prospective lender to contact them for a trade reference.

If you are thinking about applying for a car loan, it's good to do research on the dealership or car lot where you want to make the purchase. Most dealers will provide a source of financing. Some may carry their own loan and payment plans. Be on the lookout though and read contract carefully if you do not want to get stuck with an interest rate that is through the roof. This venture is where a good cosigner may come into play.

Use these tips to help jumpstart your credit history and get approved for the credit that you deserve!

Copyright (c) 2006 Liz Roberts

Answers To 7 Popular Search Engine Optimization Questions

More and more website owners realize the benefits of top search engine ranking. Therefore, they are willing to invest their time and money in search engine optimization. At the same time, many search engine optimization problems arise. I am trying to address some of them in this article.

Question 1. For the sake of time saving, I just scan our pamphlet as an image file and put it on our main site. Can you help me optimize the website for high ranking?

Your pamphlet may contain lots of text for visitors to read. Since you only scan it as an image file, search engines only recognize that you have a single image file in your webpage. Simply put, they just treat it like a photo or a graphic, and do not convert your image text for analysis and indexing. A solution is to add an alt attribute for the image. It is a bit better because a few HTML text are available for search engines to "understand" your webpage content. However, comparing with rich HTML text in a webpage, text in alt attribute is too few for search engines to analyze significance of your webpage.

Therefore, I do not recommend this approach although it may save you time in building a webpage.

Question 2. If I implement a SEO campaign, does it mean that I can give up my pay per click search engines marketing (PPC marketing)?

SEO campaign and PPC marketing are not mutually exclusive. On the contradiction, they are complementary with each other. First, I suggest you implement both natural SEO and PPC marketing for high conversion keywords. You can get more exposure in the search result pages. Second, because of copywriting or marketing communications consideration, you may not be able to implement SEO for all useful keywords. Under this circumstance, why not use PPC marketing as an alternative? For example, the word "pay-per-click search marketing", "PPC marketing", "search engine marketing", "paid search" are more or less with the same meaning. However, it may be confusing to use all the terms interchangeably through your website.

Question 3. My boss wants to have a full flash website so that our company site is more visually appealing. Can you help me to optimize the website after we make a full flash website?

From experience, many search engines can not "read" content from flash files. In many cases, search engines only treat flash file as if it is a single image file. They do not index the text or follow the navigation links to index content.

Matt Cutts, a Google representative, stated that Google has some improvements in reading textual content of a flash file by utilizing the search engine SDK tool offered by Adobe / Macromedia. However, the tool has not been updated frequently and extract text out of a flash file correctly is difficult. To conclude, reading textual content from flash file is still at a preliminary stage.

It implies that a full flash website is unlicensed to be well indexed by search engines. If natural top search engine ranking is very important to your success, it is not recommended to make a full flash website unless you have a large PPC marketing budget or very confident to create high link popularity over short period of time.

Question 4. Does a dedicated IP address help my search engine rankings?

Dedicated IP address is not an imperative to get top search engine ranking. Many websites with top search engine ranking are using shared web hosting plans. It means that they are sharing the same IP address with other webmasters with low search engine ranking.

However, if your IP address is shared with many search engine spammers, your site's ranking can be adversely affected. Therefore, some search engine marketers prefer to get a dedicated IP address from their web hosts.

Question 5. If I have lots of content in a webpage, is it better to separate the content into 2 webpages?

I think it depends on search engines. For example, Google crawls only about the first 101 kilobytes of a webpage. If your content is more than 101Kb, you're better separating the content into 2 webpages.

Question 6. Why does my site suddenly disappear in Google?

There are several reasons for Google to exclude your site. First, you must make sure that your site meets Google's quality guideline, ie no spamming. For example, you do not put hidden text and links in your website. Second, your site is not hacked. Third, you should check whether your site has some malware. Last but not least, your site may be too new and Google is in the process of refreshing their index. During the process, Google may fall back to the old index version and hence your site suddenly disappears.

Question 7. How can I increase ranking of internal sub-pages?

Many webmasters found that sub-pages of their sites have poor search engine ranking and want to improve rankings of sub-pages. To solve the problem, you should ensure the sub-pages are not buried too deep within a site. Important sub-pages should get more internal links via cross linking related pages. In addition, you should try to get some external site links to your specific sub-pages.

Lowering Child Support Payments Through Unspecified Vacations

You want to pay the fair amount of child support and spend as much time as possible with your kids. Easy, right? Unfortunately, no. It can be very difficult for divorced parents to agree on a child custody schedule that lets them both enjoy their children as much as possible. Usually there is a custodial parent who has the kids most of the time – and the non-custodial parent gets to spend some time with them and pay child support. The non-custodial parent may feel completely helpless about getting more time with the children and he / she may feel like there is nothing they can do to lower the child support payments. Fortunately, there are things a non-custodial parent can do to gain more time with the children – and if they spend more time with the children then the child support payments generally go down. One way to do this is to use unspecified vacations.

Let's start with a fairly typical child custody arrangement. The child visitation schedule is set up so that the non-custodial parent has the children every other weekend. Since the children are most often with the custodial parent, the child support payments will be large. With this visitation agreement, the non-custodial parent has about fifteen percent of the customs time. Negotiating for unspecified vacations, however, can increase this time.

Unspecified vacations are general periods of time set aside in a visitation plan for one parent or the other without any specific dates attached. A typical order would read: "Father may take a vacation with the children each year of up to one uninterrupted week two times per year and must notify Mother of specific dates thirty days prior to vacation." This means that Dad gets two separate weeks a year when he can take the kids – and he can do it whenever he chooses. Attorneys generally use this type of unspecified vacation when parties want the flexibility to go on trips – but not at the same exact days and times each year. Also, it's useful for parents who simply want more vacation options or are uncertain about plans for summer break.

So, the smart parent will look through the calendar and choose vacation times that will maximize the time with their children. The parent should choose the weeks when they do not already have custody of their children. A parent can also look into purchasing a child customs software that will calculate the best time for them to schedule the vacation. We scheduled two of these vacations with the scenario used before – and the percentage time shot up to eighty percent. This is a double bonus for the non-custodial parent. You'll get to spend more time with your child and, since child support payments are based on the percentage of time spend with the child, your child support payments will decrease. And, there's the obvious fact that now you get to take your kids on vacation whenever you want during the year. So, take the money you save in child support and you're on your way!

If Someone is Erasing Or Deleting Their Text Messages, is it a Sign of Cheating?

I often hear from people who can not help but notice that their husband, wife, boyfriend, or girlfriend has been increasingly sending and receiving text messages. However, when they go to check up on those texts, they've often been deleted or erased.

I often hear comments like: "my husband will go and try to find privacy when he's texting. I'll see he has a mischievous and excited look on his face and I get a feeling of dread in the pit of my stomach. when I get a hold of the phone later to see who he's been texting and what he's been saying, I find that he's deleted his entire history. What is going on? Should I be worried that he's cheating on me and using his cell phone to do it? "

These concerns are most definitely valid. Statistics show that it's increasingly common for people to get cating cheating from their cell phones. And, it's very tempting for cheaters to sending playful and flirtatious texts to someone who you are cheating with. Plus, the cheater often thinks that all they have to do is hit the delete button to erase all evidence of wrongdoing. (This assumption can be just plain wrong.)

If you confront your loved one about the deleted texts, they'll often tell you that they were trying to save memory on their phone or that it's just their habit not to let their messages clutter up their phone. And, I suppose there are cases where this is a valid excuse. But, it will often help to look at how soon after the message's use that they are actually deleting it. It's less problematic if they let the message sit there for days or weeks before they get around to erasing it. But, if they're erasing immediately after it's sent or received, then this becomes a good bit more suspicious.

If your loved one is even reasonably tech savvy (and they are very likely if they're constantly messaging, then they are reasonably know that they can easily set their phone to automatically delete old messages after a specified period of time so that having to go in and manually do this is really over kill.

What To Do When Your Loved One Is Constantly Deleting Their Texts: As I see it, you have a few choices here. You can ask or confront them about this, but I have to tell you that an extremely large majority of cheaters will firmly deny any wrong doing. You can ask yourself if there are any places where you're seeing odd behaviors (like at the computer) and then try to follow up and check those places. You can also check the call log, photos, and sent emails. There is software that allows you to go back in and read the texts and only you can decide if you want to take this that far.

I think it often comes down to the other behaviors that surround the messaging and whether or not you believe that this is all innocent or not. And, if you've found this article, I suspect that you might feel like there is more to this than saving phone memory. Sometimes this is not the case, but many times, it is.