Tuesday, January 29, 2008

Unsecured Loans UK: Avail At Short Notice

Gone are the days when borrowers used to place some valuable asset and have to wait for days to get the loan amount approve. But with the unsecured loans, today UK borrowers feels happy and relax as unsecured loans UK demands no collateral with that borrower enjoys fast cash approval.

Unsecured loans meet the needs of the borrower who dont possess or dont want to place collateral in favor of the loan amount. Therefore, it can be said that unsecured loan is unsecured in nature which dont require any collateral for the loan approval.

Borrowers like tenant or homeowners can meet their various personal or business needs like buying a home or car, home improvement, consolidating debts, meeting wedding expenses, going for exotic holidays, up-grading the business etc. with the amount that is offered to them.

The loan amount that is offered to unsecured loan UK depends upon the borrowers financial situation, credit score, etc. Generally, borrower can fetch the loan amount ranging from 1 000- 25,000 for the easy repayment period of 6 months 10years.

With the unsecured loan UK borrower enjoy the easy monthly repayment; is made so feasible that borrower doesnt have to face any problem to access from his monthly income or limits his expenses.

While opting for the unsecured loan, UK borrower must know that they are charged higher interest rate for the loan amount. But with the tough competition in the loan market borrower can search for the competitive rates.

Today, unsecured loans are getting popular because of its distinct feature i.e. fast and quick cash approval as no time is utilized in the collateral evaluation. Therefore, borrower can avail the unsecured loan at the shortest possible time.

Moreover, borrowers with bad credit history like defaults, bankruptcy, arrears, CCJs can also seek for the unsecured loans.

Unsecured loans UK help the borrowers to meet the need without placing the collateral against the loan amount.

Peter Taylor is a senior financial analyst at Fast Cash Loan Tenant with an acumen for finance and insurance. In recent years he has taken up to provide independent financial advice through his informative articles. To find Unsecured Loans UK, Unsecured tenant loan , Unsecured loan tenant UK, Unsecured loan, Fast cash loan tenant visit http://www.fastcashloantenant.co.uk/ Ara Blog86025
Ansley Blog26163

Money Madness

Get mad, not even.

Have you ever gotten ticked off about your financial status? I mean irritated, frustrated and just down right stuck on it? Darn it, you want to be able to get whatever you want, when you want it. You were not born to be patient, stress about money nor go without.

Are you still experiencing the desire to have a bit more cash around for comfort? Okay, I know. Some of you are bold enough to admit you want an avalanche of money. It doesn't matter why you want the money. Some of you want it so you can give it away to a cause that has meaning to you. Some of you want simply to be able to pay your bills on time. And many of you want true wealth to have any creature comfort you desire. Any reason is worthy enough to attract money.

The big question is: are you really tired of wanting more? I have watched many clients, as well as myself, whine and fret about money and not do anything about it. What the heck is that about? Complain about your discomfort about money but keep thinking and doing the same things? You know what that's called, right? Insanity. Yep, it'll make you crazy to have the same results and not do anything different.

Do you want to do something different but don't know what to do? Great! Ask for help! That is the first step. Do you know what action is needed but won't do it? GREAT! Break down that step into even smaller steps, and take just one step. I'm serious. The power of even taking the time to take a baby step can change everything.

I don't think it's right for anybody to be suffering over a circumstance that is absolutely within your control. I know to some of you, it feels out of your control but it's not. It all comes down to confidence. Yep! In order to have more money, you have to feel that you are worthy of more money, struggle less and know that you have the resources to attract more. It's incredible how easy it is to have money. But it only seems easy once you've done it a few times.

What is the solution for you - until the time comes that you actually have the money you desire in your pocket or bank account? Breathe. Look at the current situation and breathe. You do this to relax. You get present to what your current state is and accept it. You accept that is real only for this moment. Next, you decide exactly where you are going. Not wishful thinking here. Understand, you have a choice to keep getting the same results by doing the same thing or get committed to something better. What is the something better?

Next, get committed to stop all stressful thoughts about the money. Get pissed off at the ego mind of yours. Tell it to shut up! You have a choice to get bogged down in that stress or not. Now choose simple new habits. They can be small stepsrefuse to create any new debt unless you need itlike food on the table. Or commit to one action a day that could potentially bring you new money. You can commit to paying $10 or more each month to a credit card payment (or $1000 if you have it).

I totally believe that most people do understand the power of commitment. Deciding with conviction that something will happen and then trusting that decision will always yield you favorable results. It's the stressing over it that will cause delay in this process. We make poor decisions when under stress because we are reacting rather than planning. Making choices when you have high negative emotions running through your body can create less than satisfactory results.

Again, use your irritation to propel you forward. Turn that negativity into something positive. Step out of stress and defeat and into more powerful emotions and do something new.

Jeanna Gabellini is the Xtreme Abundance Coach. She'll give you all the tools you need to create financial wealth and prosperity with her personal coaching, tele-courses and audio products. Jeanna blends strategy, Laws of attraction and FUN to assist you in creating exactly what you want. Are you ready for Extreme Abundance? Go to http://www.MasterPeaceCoaching.com to get your free ezine or call 707-747-0447 for more info.Arlyne Blog37633
Alisa Blog82694

The Leo Wanta Saga Pt. 1: 'The 27.5 Trillion Dollar Man'; Wanta Is Legal Trustee Of Funds On Behalf Of The American People

The only thing standing in the way of life and death for Ambassador Leo Wanta is he "knows where the money is hidden" and the Illuminati banksters don't.

A former U.S. Treasury official appointed trustee to a large sum of money by President Ronald Reagan, Wanta holds the financial "golden key" to 27.5 trillion dollars, money he says now held in public trust for the American people.

To back up Wanta's trustee status as protector of trillions, a federal judge in Alexandria, Virginia, in 2003, ruled in his favor, saying Wanta's trustee status is legally binding and the money is rightfully the property of the American people.

The federal court case, however, has left federal prosecutors in a perplexed state of mind, as they have not yet officially appealed the ruling, perhaps thinking it is better to let "sleeping dogs sleep" until they get their 'cooked ducks or judges in the right government pond."

But the real problem, as it stands today and why the money remains in limbo, is simply if Wanta returns the money to the U.S. Treasury, it will be immediately hi-jacked from the people and put into private Iluminati bank accounts since under the present Federal Reserve and the national banking system, there are no laws protecting the American people's money.

"Dutch (President Reagan} always intended the money be returned to the American people to be used for roads, schools and health care," said Wanta last Thursday on the Investigative Journal, where the former Ambassador spoke for two hours while still being held under house arrest in his Switzerland home.

During the interview that can be heard in full by going to The Investigative Journal archives at www.rbnlive.com , Wanta literally blew the lid off the Illuminati's world wide banking scam, as well as providing detailed information about how Illiminati banksters with help from the Bush crime family and former President Clinton have already hijacked 752 billion dollars in what has been called by European investigators "the biggest bank heist in world history."

Besides the large sums of money at stake and the need to revamp the Federal Reserve and national banking laws to protect the public not private interests, Wanta's story involves undercover intrigue and espionage at the highest levels, providing a mystery story better than any Hollywood movie can offer.

Behind following the money, his story involves saving President Reagan's life in a little known assassination attempt left unreported in the mainstream press (see rbn interview), authority to arrest Marc (Reich) Rich, a meeting with Vince Foster just prior to his untimely death and just prior to Wanta being placed in a Swiss dungeon for 134 days when he confronted Rich, who was allowed to go free through White House connections.

To better understand Wanta's role and the importance of his story, not to mention how 27.5 trillion dollars could provide a good jump start to the American economy, it's best to go back to his original assignment in the Reagan administration at the time the Cold War was coming to a close.

At this time, Wanta, a distinguished U5 Secret Service/Treasury officer was the primary US Financial Warfare officer engaged in operations to "collapse" the Soviet Empire through financial maneuvers to prevent the Soviet military devoting larger resources to military expenditure.

For his financial plan which destabilized the Russian currency and resulted in huge dollar profits, leading into the 27.5 trillion in trust, instead of being recognized for his service, he was set-up by the Clinton's and the Bush crime family after being released from the Swiss jail, sentenced to a 22 year jail term on bogus Wisconsin state income tax evasion charges

Although recently released and protected in a sense by the 2003 federal court ruling in his favor, Wanta has languished much of the time since 1993 in jail and now under house arrest, the primary reason for his predicament being he audited the Illuminati's giga-financing operation of 1989-92 too accurately far the liking of certain high-level official crooks controlling the purse strings.

Regarding the Rich arrest in Switzerland and his meeting with Foster, Wanta said this on The Investigative Journal last week:

"I was named Ambassador from Somalia to Switzerland and Canada as a cover to arrest Rich. When I go there, I found myself in a Swiss dungeon and Rich was set free. Foster was also there on behlaf of the Clinton's, asking for $250 million to be used for The Children's Fund, which Hillary was the chairman. I thought it was to be used for a good cause, so we gave him the money.

"Later Vince attempted to help me out of my situation, but I was later notified he was found dead and I never found out what happened to the $250 million."

Although Wanta had no idea what The Children's Fund was all about, later a financial investigator, Marco Saba of the Organized Crime Observatory in Switzerland wrote this about turned out to be a secret fund:

"One component of this information concerns the activities of the CIA operative known as Mrs Hillary Rodham Clinton. For some years prior to the elevation of her husband, Bill, a CIA operative like his ''CIA wife'', Hillary had been in control of an organization calling itself the Children''s Defense Fund. Executive Order 12333 (1981) of President Reagan, the US intelligence services were authorised to operate what became known as Title 18, Section 6 USG corporations for intelligence purposes, and to deny any intelligence community connection (that is, to lie about their real purpose). Some of these entities have touchy-feely, welfarish titles, like The Children''s Defense Fund. It is alleged, un the basis of intelligence community leakages, that Hillary became accustomed to treating this fund as her own private slush fund."

However, behind the scenes of Rich, Foster and the Clinton's, a bigger game of world politics and deception was being played out, as Wanta unknowingly was caught in the middle of the U.S./Soviet double-cross of the American people, as the two collaborated to bring about an orchestrated fall of the Soviet Union.

In the simplest of terms, as the dust has finally settled from the Cold War, the issue of the 27.5 trillion held by Wanta in trust for the American people still remains in limbo. According to Wanta, though, the issue is simple: change the banking laws so the money can be used for the people, not put into accounts of criminals.

Marco Saba, the Italian financial investigator involved with the Organized Crime Observatory (OCO) in Switzerland, investigated and traced Wanta's behind the scenes accounting. An excerpt from Saba's article from the Centro Studi Monetari, Arab-Asian Affairs, Vol. 29, Numbers 8&9, December 2005, explaining the backstabbing and double-crossing, as well as the details of $742.5 billion which were stolen from Wanta's giga-fund, can be found at http://www.arcticbeacon.com/26-Mar-2006.html .

To learn more about the Leo Wanta saga and other stories vital to our world, go to independent journalist Greg Szymanski's http://www.arcticbeacon.com and listen to his international radio show at http://www.gcnlive.com Monday-Friday from 4-6pm central.Aurea Blog15567
Ara Blog86025

What Are American Depositary Receipts?

The investment known as ADR stands for American Depositary Receipts, which is a tool used to make it easier for investors to invest in foreign markets. Instead of having to find a broker with capabilities in the foreign markets where the securities trade, an investor can just receive ADRs from a depositary bank that collects the foreign companys shares.

These ADRs can be then represent shares in that foreign market. There are many advantages to using ADRs that we have talked about in class such as the liquidity of these assets. Since the whole process of investing in foreign markets has become easier, the market has become far more liquid. The annual dollar volume of ADRs has increased from $75 billion dollars in 1990 to $550 billion in 2002. Instead of having to different brokers and red tape to sell foreign investment we can simply trade ADRs.

As technology advances it has become easier to invest in foreign companies and we can see this through the use of depositary receipts. Not only are depositary receipts issued in America but they are also issued in other countries as well such as Euro DRs, Singapore DRs and China DRs. In the Wall Street Journal on 2/24/06 there is an article, Bank of Communications Seeks Listing where we can see that Hong Kong-listed Bank of Communications Co. has gained approval to offer shares on Chinas stock exchange and are willing to offer China depositary receipts (CDRs). By issuing CDRs, the bank is better able to sell shares to foreign investors.

For more information on American Depositary Receipts, try checking out some of the Wall Street Journal articles in their online database. Just go to their webpage at www.wallstreetjournal.com. It is a great resource. I would also try checking out some of the other articles you may find in a google search.

Andrew Leone is an active network-marketer training and developing the skills of entrepreneurs all over the net. Find out how to take charge of your own financial freedom by taking his FREE tour. => http://www.LeoneGroupMarketing.com. Angelika Blog90562
Audi Blog21346

Tranquil Debt Management With Debt Consolidation Loan for Tenant

It is not possible for everybody to have a home of his own. Such people are tenants or non-homeowners. Their lack of home may come in their way when they are looking for debt consolidation in form of debt consolidation loans. Debt consolidation loan for tenants are specially designed for serving these people.

Debt consolidation loan for tenants doesnt require any security for their approval. These loans cater towards the purpose of combining or consolidation of all your existing debts to make the repayments easy and hassle free. Debt consolidation loan for tenant offers you much low interest rate than what you are paying in total for all your existing debts at variable rates. Debt consolidation loan for tenant are available to tenants, PGs, non-homeowners, students, people living with their parents etc.

Credit score is a matter of concern for every borrower these days as it gives their lender the assurance for getting their money back on time in absence of any security. It is important for you to know your credit score. You can order a copy of your credit report along with your credit score from credit rating agencies namely Experian, Equifax and Transunion at some charge. A debt consolidation loan for tenant helps you enhance your credit score by reducing your debts in numbers and ensuring you a single monthly repayment.

You can also take the help of other debt consolidation services along with debt consolidation loan for tenant. These services include debt management plans, budget planning, credit counseling and debt education etc. There are lots of debt management agencies in the market who will guide you in the process of debt consolidation.

Debt consolidation loan for tenant is easily available in the loan market. But who would like to do the tiresome job of visiting the offices of each and every lender in the market. Internet searching is the best alternative available for you in doing so. You can search among free loan quotes available on these loan websites. After comparing them with the help of comparison tools you can select the best debt consolidation loan for tenant deal from the rest. Lastly you can apply by filling a simple online application form. You loan request will be processed by the lender, once he is satisfied with your application details.

Debt consolidation loan for tenant can support you with amounts ranging between

Peter Taylor is a senior financial analyst at BestTenantsLoanUK with an acumen for finance and insurance. In recent years he has taken up to provide independant financial advice through his informative articles. His articles are widely read because of the lucid manner of wriiting and thoroughly researched datas. To find tenant loans, Debt consolidation loan for tenants ,bad credit tenant loans,unsecured tenant loans,UK best tenant loans,secured tenant loans UK,unsecured tenant loans UK,bad credit tenant loans UK,personal tenant loans UK that best suits your need visit http://www.besttenantloansuk.co.ukAurelia Blog78332
Anissa Blog52587

Christmas How to Get Your Money Back on Track and Alleviate Money Stresses!

In today's world we know that tremendous personal, relationship and business stress can be related back to money stresses. We also know that Christmas can be a time where added money stresses can be a real problem for many families. However, with these 6 great money tips put into practice you can start to alleviate money stress and move towards a healthier and happier financial position and a happier life generally!

Tip 1. - Develop a money' awareness. You need to focus on the money that comes into your life and that flows out of your life. This means writing down and tracking every single cent that you spend. Get a note pad and for 2 weeks write down the date, time, what you spent, what you spent it on, why you spent it, how you felt once you spent it, whether you need it plus write what money came in and what you put into a savings account.

Tip 2. Develop a savings plan. You need a savings plan. Preferably have an amount automatically debited from your account to a specially set up savings account each pay day. The idea is to save a minimum of 10% of what comes in. Open a savings account where you need 24 hours before they will allow you to withdraw from it. This will help you to stay on track. The idea is to use this money for investments such as purchasing shares or for a deposit for a property. You will be amazed at how you will not miss this money and you will learn how to budget on the rest of your money. Read "The Richest Man in Babylon" which is a timeless classic about money skills. It has changed countless lives! You can even read this little book to your children and they too will learn an abundance of life lessons.

Tip 3. Learn how to budget. This may sound simple yet it is profound. Learning how to budget and tricks to keep you on track with your budget can literally change your life for the better on many fronts. This is a learnt skill. A good idea is to find someone who can mentor you with a budget. Find someone who you feel comfortable to share your financial situation with and who is skillful with money. Don't learn from someone who is not financially abundant. Learn from someone who is successful and can show you what not to do as well as what to do. I highly recommend you book in a session with a good accountant who can help you plan a start-up budget, help you monitor and assess as you go. Having someone to be accountable to will help you in the early days to keep on track.

Tip 4 Develop a positive attitude towards money. You have heard this saying money doesn't grow on trees' or money is the root of all evil'. Well it's time to change the negative self talk. It does not serve you. This type of thinking will hold you back and sabotage you. You need to focus on the positive aspects of money such as money supports' a happy, healthy life. You need to prevent self sabotage so you will not go off on a tangent and spend your money and not stick to a budget. I highly recommend that you get yourself a copy of Michele Blood's Success' cd from www.musivation.com and play it in your car, when going for a walk or have it on in the background at home. Michele has put positive words to music. Her music will help to change your self sabotage by helping to change your thoughts to more positive supportive ones. She has a money' song that you'll want to play every day and reap the benefits! Her music goes straight into your subconscious and that is the area of your mind you need to effect. So do yourself a favor and buy yourself her cd as a Christmas present for yourself and start developing a positive money mindset today!

Tip 5. addressing your fear of money remember that money is really nothing more than energy that you can harness or let it run by you. Do you ignore your money? You do this by not knowing where it goes and thus you loose its power. Often when we have been ignoring our money we end up in a mind-set of thinking of and being fearful of not having enough money. Once you start to pay attention to your money your fears will start to drop off. You will know where it comes from and where it goes. Then you learn how you can leverage it. You will, once you learn the skills and put them into practice, find that you have more money than you thought possible. Your fears are coming from a lack of knowledge and understanding of how to harness the energy of money. This is a skill you can learn. Researchers today tell us that it is crucial to avoid being fearful about any lack of money because what we focus on builds stronger neural circuits in your brain. What you focus on expands. You don't want more stress built up because of a focus on the fear of money. Remember that fear stands for false evidence appearing real'. So focus on learning how to harness the energy of money and your fears will drop away.

Tip 6 Develop an investment strategy. This is a skill that needs to be learnt. You can go to a local college or find a group who can teach you. Find a strategy that you like then focus on learning everything you can about that one strategy. You will build confidence and know how to develop a good investment strategy in that area for your future. Don't think that handing over your hard earned money to someone else to invest it for you is the answer. You need to know the basics at the very least so you can make an informed decision. Again knowledge will give you confidence to make supportive decisions for the growth of your investments.

Start putting the above tips into practice and you will find that your world will start to change. It takes courage and commitment to make positive changes in your life. You can do it. Make a decision today to start. Find people who can support you and guide you and your future days and future festive days will be less stressful and merrier!

Bernadette DimitrovAndree Blog77874
Avrit Blog80602

To Secure Or Not To Secure...

If you're thinking of taking out a loan there are a number of options that are open to you, although this will depend on your circumstances and your credit rating. For those that own their own homes, have some level of equity in the home, and have a good credit rating there are both secured and unsecured loan options available. But is it a good idea to secure a loan against your home if you have the option of secured on unsecured?

Some people may not have any option other than to go for a secured loan, such as those with a bad credit rating. If you have bad credit then the chances are that you will not be offered any unsecured finance because the risk is too high to the lender. However, if you have equity in your home then there is a good chance that you can get a secured loan, because the collateral that you provide (i.e. your home) acts as security to the lender.

Other people may have no other option than to opt for an unsecured loan, such as those who do not own their own property, or those with no equity in their home. However, in order to get an unsecured loan you will have to have pretty good credit, as otherwise most lenders may reject your application.

If you do have the choice of either a secured or unsecured loan there are a number of factors to take into consideration when making your decision. There are advantages and disadvantages to both types of loan, some of which are outlined below.

Secured loans

Pros:
- You will usually enjoy greater borrowing power with these loans based on the equity in your home.
- The repayments periods are usually longer, which allows you to enjoy lower monthly repayments.
- These loans are suitable for those with poor credit.

Cons:
- You will usually need to have some level of equity in your home, which is the difference between the value of your home and the amount outstanding on your mortgage or other loan secured on it.
- You could be saddling yourself with a long term debt and a huge financial commitment.
- Your home could be at risk if you fail to keep up with repayments on your home.

Unsecured loans

Pros:
- These loans are available to those that do not own their own home.
- There is no risk of losing the roof over your head if you default on repayments.
- These are shorter term loans, and you will therefore be free of your debt more quickly.

Cons:
- You may not be eligible if you have poor credit.
- The shorter repayment term can mean higher monthly repayments.
- Borrowing power may not be as powerful as with an unsecured loan.

It is important to look at the big picture when looking into loans, and to work out which type of loan is best suited to you based on your needs and your circumstances. http://www.personal-loan-comparison-online.co.uk

Reno Charlton, award-winning writer, shares her financial expertise as a contributing columnist for http://www.credit-card-comparison-online.co.uk and http://www.personal-loan-comparison-online.co.uk.Angele Blog37115
Alessandra Blog27530

Starting Out on the Web to Make Money

This article is for people who are just starting to get online and make money. In this article, I will detail what needs to be done in the first few days starting out in the internet marketing realm. Please be aware that in most cases you will not start making money immediately online. There are some ways to earn money online in the first few days, but do not expect to pull in $100 or even $10 in your first few weeks. Regardless of what any website says, people did not fall into $1000 or $5000 in their first few days online. They laid a foundation of links, research, web pages, and marketing efforts before they were able to pull in large amounts of money. Keep in mind the old phrase Rome wasnt built in a day when starting your online business effort. It might be a week, a month, or two months before you start making consistent money. The important aspects are research, patience, and persistence. Take the time to lay a strong foundation and avoid the pitfalls of trying to make money online in a short amount of time. This is KEY starting out. If you fall down too many times, eventually you dont want to get back up

That being said, there are a couple of easy and inexpensive ways to start making money online.

1 Paid Surveys/Product Trials
2 Blogging and AdSense

1 Paid Surveys/Product Trials/Email Reading

Ill start off by saying you should be skeptical of any site that charges you money to give you surveys or try out products. When was the last time you had to pay someone to interview you for a job? Same principle. Before you sign up with any of the sites listed below, create an alternate email address in Yahoo or another Email provider. This can be your Survey/Product/Spam email address. This will keep your main email box from getting filled with stuff you dont want or need.

Now the sites listed below offer to pay you money for completing surveys or testing out products. Sounds pretty easy right? For the most part it is, but be careful with the product trials. If its a limited time trial, you may start getting charged if you arent careful.

Check out the sites listed below. These are ones Ive used before and have had no trouble with. They are FREE to sign up for so youre not in danger of giving up money with no return.

Hits4Pay.com
Treasuretrooper.com
SendEarnings.com

2 Blogging and AdSense

Go to www.blogger.com and setup a blog (short for Web Log). You can choose from a variety of templates. Name the blog something that will distinguish what the blog is about. If its about gardening, name it gardening tips or how to garden or make your garden beautiful. The title is important as youll see later. Once youve got your blog setup, you can start posting information about your topic. Once youve successfully created a post, go into your blogger settings and go to the template tab. You should have an AdSense link up there. Now you are asking, what is AdSense? AdSense is a program that delivers content relative ads to web pages. For instance, go to http://cheap-carinsurance.blogspot.com. Notice the small ads above and below some of the postings. Those are AdSense ads. How do you make money off those? A company or individual has paid Google to run these ads. Whenever someone clicks on these ads, the person who has the ads showing makes money. Granted it may only be $.20 or $.30 (or less sometimes), but its basically free money for the webpage owner. Now before you think you are going to make yourself rich by clicking on your own ads, DO NOT DO IT!!! Google is smarter than you think. I know of more than one person who has been banned from the AdSense program due to click fraud. Besides, if someone told you that you could make $.20-$.30 based on someone clicking on an ad based on something you wrote and they could do this 24 hours a day/ 7 days a week/ 365 days a year and you would pay nothing (NOTHING) for this to happen, why would you risk losing it? Dont click on your own ads..period!

Now some of you may be seeing a nice business idea here. If you arent, here it is. You can setup multiple FREE blogs on different subjects and have the AdSense code on all of them. This means instead of one page getting a few clicks a day, you could have 5 pages getting a few clicks a day. I would recommend updating your blog content every 2 or 3 days. This is crucial if you want your blog to get picked up by search engines like Google, Yahoo, MSN, etc. If you blog on gardening is specific to organic gardening, then you want to make sure you mention organic gardening a few times each entry and put it in bold. This will help the search engines pick it up faster. You can also use http://ping-o-matic.com to let blog engines know that your blog has been updated. More Traffic to your page = more potential ad clicks = more money in your pocket. See how easy this is? You are not going to make a fortune this way, but it would not be unreasonable with 5-10 quality blogs to make an extra $5-10 a day depending on the amount of traffic you are getting.

Next time, more ways to advertise your blog.

Mark South writes articles for three site;Avis Blog69516
Ansley Blog26163

Does DIY Help You Save Money in Your Wedding?

Planning wedding is a stressful period of time.

If you are planning your wedding now, Im sure you may agree with me to a certain extent.

There could be may sources of stresses.

For me, money is definitely one great stressor.

Unless someone is sponsoring my wedding, money is always an issue and still is now.

Next stressor could be from mother-in-lawHahamany married men will raise up both hands and legs to agree with me.

There is one person who men can never offendand you know who I am referring to.

There are many instances I disagree with what my mother-in-law saidbut it is forever so hard to say No, I disagree.

You try doing that and your married life will never be a peaceful one.

There are always topics for disagreementFamily practicesfurniture designbridal gown designswedding photos

You name itI can say You got it.

I think such challenges are normal for many married couples.

I just had a call from a friend who said that she just couldnt stand her mother-in-law. The on-going battle had been going on for a few years.

Another friend of them also cant stand her mother-in-law as she always put my friend down using nasty words. So, she decided to move out of her housesoon

Would you want your mother-in-law to prepare buttered bread and a bottle of chicken essence for you every morning?

Would you want your mother-in-law to treat you like a friend and discuss matter with you and at the same time taking care of your feelings?

Would you want your mother-in-law to cook for you every day without any complaint?

My mother meets all 3 criteria

Talking about stress, my mother doesnt give us any. She left us alone to live our own lives.

However, there will still be stress from other aspects of our lives.

health.caloriescount.comThese are 5 things you can do right now to relieve stress:

1. Talk to your partner and tell him you just need a listening ear.
2. Massage your partner and get him to do the same thing for you.
3. Go for a jog or a slow walk.
4. Listen to relaxing music.
5. Take a nap and a day break.

Jhong Ren runs http://www.romance-fire.com My Wedding Blog - an online wedding diary that gives more than just the usual tips and advice on a daily basis. Check out http://www.romance-fire.com now and by all means leave us your comments.Anjela Blog10063
Anica Blog57213

The Bus Trip

I found myself having to catch a bus last week, the second week of the children's school summer holiday. I was instructed to take my son to his Grandma's house and with my wife having the car it left me with no choice but to do something that I hadn't done for over twenty years - take the bus.

The 188 from Weymouth to Poole. I was to get on from the stop at the end of my road which wasn't too far away from the town but a little too far to walk.

My son and I reached the stop ten minutes before aforementioned bus was due. Forty minutes later it still hadn't turned up so I got on the number 92 which stated, Poole. On we jumped - I asked if he went all the way to Poole. No, he said, I don't. Well it says Poole on the destination board, I stated. It says India on the tyres, he replied, but I'm buggered if I'm going there (Okay, the old ones are the best) - yes, of course I'm going to Poole. 1.35 for you, half fare for the boy.

It was just 14 pence the last time I went on a bus, shows how I'd lost touch.

I think I started to enjoy the ride more than my seven year old son, who always got excited during the odd bus trip, especially if it was an open top bus and he would be 'allowed upstairs'.

Then my enjoyment started to fade as we had to actually stop to let some people get on. After using my own transport for so many years this was a nuisance. They fumbled with their change and took ages to sort out a ticket. The time, the time, what are they doing?

Off we went, when a kind driver eventually let us pull out. Ah yes the memories of busses was coming back to me.

I read the same few adverts over a few times and moved from a draughty vent. I couldn't help but listen to a stupid conversation that some teenage girls were having in front of my new seat. Boyfriends, who'd have them, eh?

My boy was grinning from ear to ear, obviously enjoying seeing something from the bus window, everything seemed to please him but here was I getting totally fed up with the slow, noisy and frustrating bus ride into, Poole. Going to Grandma's in the car took seven minutes but here on the bus, only half way there, had taken an hour already.

We stopped at a bus lay by but there weren't any passengers to pick up, so why stop? Ah, yes, I remember now - the driver has to 'do his books'. He clicked a number of coins from his cash dispenser and wrote a few notes in his book, messed about with some tickets and timetables and put the engine in gear. Not wanting to hurry, he wasn't fussed that nobody would let him pull out onto the highway again, choosing to wait instead until there was a huge gap in the traffic before he even attempted to pull away.

Sadly, in Poole, we have a thing called a lifting bridge. It is for the boats in the harbour. The main road in and out of Poole is built over, Poole harbour, and the road has to lift up in order for shipping to go through to the other side of the lifting bridge. Now the bridge lifts up at certain times - called the 'rush hour' and 'when anyone's in a hurry to get to Poole'. It is the biggest black mark in the history of Poole. All traffic comes to a stand still once the lifting bridge is up and allowing the boats to sail through.

Judging by the queue of traffic that the bus joined after we left the last stop, we had hit such a time. Off goes the engine and silence falls on the neighbourhood - it's quite eerie really and also bloody annoying.

Anyway, after around an hour (fifteen minutes actually but it felt longer) off we went again, very, very slowly as the bridge isn't very wide and certain vehicles can only go through single file, meaning one driver has to wait for the other. If we are lucky it won't go up again before we get our chance to cross to the other side.

It didn't and the bus station, our destination, was getting nearer. But wait, the driver was turning off the main road and going a different way than I expected.

Oh yes, another 'bus thing', it may have to pick up passengers from that bus stop about two miles up that odd road that nobody ever goes along but 'just in case', buses must go that way. Nobody was at the stop - the driver waited there anyway (just to annoy people like me, of course) and then off we went again -.Look daddy, a train is at the station, be quiet, I replied.

The queue into the bus station was long as cars were in the bus lane, cars who's drivers didn't realise that the lane for the multi-storey car park was the other lane, not this one, this one was for buses.

At last we were at the bus station and parked up. Now, had we have caught the 188, or rather had it turned up, we would have been dropped outside of Grandma's but, as this was the 92, it took us to the station and we had to catch another bus to go to a road near Grandma's.

Stand by for Mr. Grumpy. Yes the 101 to Bournemouth was late. If a driver is late he is very grumpy and snaps at all passengers along the way - that's if he actually stops to pick them up. Many 'would be' passengers are left stranded with their hand sticking out to stop the bus only to see it sail on byin Poole that means you've got a late, grumpy driver.

After queuing for a while I stated where I'd like to go. Seventy two pence, the driver snapped. Why the odd two?, I thought. Anyway I thought it would be good to give him the correct change as they always seem to not be able to change a fifty pence coin if my memory served me correctly, so to cheer him up I placed some coins on his counter and looked in my pockets for the odd two pence coin. He tutted and groaned and looked at his watch in annoyance followed by a look over my shoulder at the queue. He tore off my ticket and told me that I should tear my own ticket off. I said, well, the other driver tore it off for me, but he didn't seem to care. This was all new to me.

My son was getting fed up by now - all his playtime would be used up on the bus trips. Past the first two stops without stopping (I told you, didn't I?) and picking up a few other passengers then on to our stop.

Off we jumped and walked the rest of the way to Grandma's. Grandma was pleased to see us. My boy played with some toys and then we were invited to stay to tea. Mummy came to Grandma's from work and we all had a lovely time...apart from the bus trip. I am having the car next week, no, I said, I AM having the car next week!

©2006 Martyn Brown: Writing for home business publications for UK and beyond. On occasions, though, looks on the lighter side of life.Aleda Blog13951
Arlen Blog54850

Starting an Online Business- All By Yourself!

The best place to find a helping hand is at the end of your arm. That is an old Swedish proverb that hangs in my office. A little over a year ago I was a complete newbie to online businesses. I had absolutely no experience in building websites or HTML coding. I was completely green to the possibilities of the Internet.

In less than a year, I have 2 thriving online businesses and a few smaller ones as well. There is no doubt in my mind that within a few months, those small web businesses will be just as lucrative for me. I just need to find the time to grow and nurture them.

This is an article for the smart, down-and-dirty entrepreneur. This online business article speaks to those folks who truly and utterly get it. Starting an online business is easier than many think. The trick is to know who to trust and when to pay out. Read on for more detailed insights.

When to Do It Yourself

Truth be told, I am a huge fan of doing it yourself. I think the best online business owners are those that can reproduce a profitable web business in any niche. After all, a web business in the fitness industry is built the same as one in the knitting industry.

I could have paid someone thousands upon thousands of dollars to build my online business site. I decided against it though. At the end of the day I would not have gained any online business knowledge had someone else built my site.

I would not gain any knowledge about HTML, linking strategies, RSS feeds or anything else. I would have to pay a website builder thousands and thousands of dollars every single time I wanted to build a web business.

Let me ask you this: if there was a pain free, simple, hand holding guide that taught you to build an online business would you be interested? What if the guide was free? Well it is. You may contact me and I'll forward it to you. Learning the "how-to's" of building your own online business is one of the smartest investments you will ever make.

That guide will walk you through everything you need to know about creating an online business all by yourself. It talks about hosting, domain names, RSS feeds, linking strategies, newsletters, HTML coding (or the lack thereof necessary to build a site), search engine positioning and much more. It is a complete blue print to developing your online business.

When to Pay Someone

Just as I am a firm believer in building your website yourself, I believe in paying professionals from time to time. I outsource all graphic work to true graphic artists. I pay for logo designs, business card printing, and merchant accounts.

I believe in minimizing customer service issues. All of my billing is through a third party source. All of my products are digital or shipped directly from a third party company. They handle customer service. I simply refer their products.

The goal of a web business is to be profitable, efficient and fun! Being a web business owner is far better than being an employee. Think about that for a moment. You want to increase your profits. Create an online business by using all of your resources. Just recognize the difference of when to pay someone and when to learn it yourself.

Copyright 2006 Lynn VanDyke

Lynn VanDyke's content website is in the top 1% of all websites worldwide according to Alexa. She recommends this hosting company for your online business: http://my.sitesell.com/buildit . For your free online business "How To" guide, please visit: http://my.sitesell.com/action-guideAndree Blog77874
Ansley Blog26163

Making Your Home Energy Efficient Adds Up To Big Savings

Government statistics report that conserving energy costs in the home can save a household several hundred, even several thousand, dollars per year on their utility bills. Replacing your older appliances and elements of your homes structure, such as older windows and doors, with more energy-efficient alternatives, such as products that meet ENERGY STAR guidelines, is an important step to maximizing the amount of money you can save.

ENERGY STAR is a government program that identifies products including appliances, home electronics, and home improvement products that meet energy efficiency guidelines that exceed the minimum federal standards, as determined by the U.S. Department of Energy. You can identify a product that meets the organizations guidelines by looking for the signature blue ENERGY STAR logo.

The ENERGY STAR program began as a voluntary labeling tool to "identify and promote energy-efficient products to reduce greenhouse gas emissions." It started with the labeling of computers and monitors and more than a decade later, has expanded to identify all types of products used in homes and offices that conserve energy. The result: Consumers and businesses have saved billions of dollars since the program began $12 billion in 2005 alone.

Energy-efficient appliances such as refrigerators and freezers, clothing washers, dishwashers, dehumidifiers and window air conditioning units can cut consumer utility bills in half when compared with standard models. And home improvement products with an ENERGY STAR rating such as vinyl replacement windows, doors, skylights and siding help to better maintain your homes temperature control, cutting heating and cooling costs anywhere from $20 to $400 per year.

If youve been searching for a product in any one of the more than 40 categories rated by ENERGY STAR, you may have come across the organizations blue logo. That seal of approval indicates that the item can perform as well as, or better than, comparable products, but save you more money than if you purchased a less energy-efficient option.

A refrigerator meeting ENERGY STARs energy conservation guidelines today: Uses 40% less energy than models sold in 2001, saves its owner 15% in energy costs when compared with other models (freezers save 10%) and compact models, with volumes less than 7.75 square feet, save 20%. A washing machine that meets ENERGY STAR guidelines: Saves its owner up to $110 per year, requires 50% less energy than standard washing machines, uses up to 50% less water and has more efficient spinning cycles to reduce drying time.

Energy-efficient appliances provide an obvious cost savings for a households energy expenses. And other products that meet ENERGY STAR standards, such as vinyl replacement windows, doors, skylights and siding, make a significant contribution to keeping those costs down as well. Replacing your existing windows and siding with newer, better designed vinyl replacement windows and insulated siding can quadruple the insulation value of your home and save an average of 30% on your utility bills.

In addition to saving money, vinyl replacement windows with this rating create a more comfortable living environment by eliminating drafts, blocking heat, Offering protection from sun damage and reducing interior condensation on windows. In the winter, energy-efficient vinyl replacement windows keep the interior glass warmer for better temperature control. And the warmer the window, the less interior condensation that, over time, can damage your window sill and paint job, and encourage mold growth.

In the summer, these windows also block 45 to 70% of the suns heat and provide "sunscreen" to your home by blocking ultraviolet light that can reduce fading up to 75% without compromising visible light.

Whether you are looking to add to the beauty of your home and lower your energy bills by installing vinyl replacement windows, or you want to make a smart decision when choosing your next dishwasher or window air conditioning unit, products that meet ENERGY STAR guidelines offer an economical alternative that leaves more money in your pocket.

Michael Clem is Operations Manager of Creative Energy of Richmond, Virginia. The company's ENERGY STAR-compliant vinyl replacement windows and doors conserve energy. http://www.creativeenergyexteriors.com/windows.htmAmelina Blog45172
Alys Blog69387

How To Break Into Print Publishing

The big question. Do you submit directly to publishers, or do you find an agent who will do that for you? Based on anecdotal evidence I've heard, it can work either way. Many publishers refuse to read unagented submissions, but on the other hand Tom Clancy and John Grisham sold their first books without an agent.

The bottom line is, if a publisher reads what he can sell, he'll buy it. It doesn't matter if it comes from an author or an agent. The trick is getting him to read it. That's always your focus.

Some people swear by agents because they're the ones who will get you larger percentages and advances. I've decided I don't care quite so much about that. In the case of a new author, I sincerely doubt that'll happen anyway. Maybe later. I'd hate to lose my first sale because some greedy agent asked for too much money. Not that I believe that'll happen either.

There are also those who swear by agents because many publishers won't look at an "unsolicited manuscript." That's true enough. They ain't got time. They're using agents as a preliminary screening process. A good agent will also know which publishers are most likely to be interested in what YOU write.

Someone recommended that once you've selected some potential publishers, phone each one and ask how they would like to be approached. Ask to whom specifically you should address your work. Then you can honestly call it a "solicited manuscript." (Always be honest in your correspondence.)

If this doesn't work, because you can't phone or the secretary refuses to cooperate and tells you things like "we only accept material from reputable literary agents," then mail your query letter, bio, synopsis, and sample chapter. They can only say no, or they can say your query looks interesting and they want to see the rest of the manuscript.

If you hook a publisher this way, odds are the publisher will like for you to have an agent. So this is when you can call one, after you've hooked the publisher. The agent gets 15% for doing practically nothing, so he'll take the job. The publisher will become more interested when your agent phones saying he's (or she's) looking after your interests in this matter.

The most important step is to get your presentation looking as professional as possible. No mistakes. None. Zero. Nada. The vast majority of rejections aren't because the story is bad, but because the Acquisitions Editor concludes that it'll be too much work to make it "ready to read." With new authors, publishers usually lose money. Advertising, print inventory don't ask them to invest a great deal of editing time as well. They won't do it. It's just that simple.

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THE SELECTION PROCESS

The most important part of getting your error-free manuscript published is choosing the right market. The best way to do this is to read books that are aimed at the same target audience as your own. If you want to approach publishers directly, look at who published those books. Their marketing machine is already positioned to announce your manuscript to your target audience, and they want more books of the type that you write. They're your best bet.

Some authors thank their editors. If you're going straight to the publishers, note the editors' names and use those, preferably after a phone call to ensure the editor still works there. If you can, just phone the publisher and tell whoever answers the phone something like "I'm writing a letter to so-and-so, and I want to be sure I'm spelling the name correctly." I used to be a secretary. I liked quick, easy questions.

If you want to approach an agent first, look in the acknowledgements sections of those books. Some authors thank their agents. Look up those agents and start with them. Tell how you found them. This might impress them because it makes you look professional. You know they've got a track record in your genre. They know how to sell to publishers who are aimed at your target audience, so let them do it.

Whichever method you use, go in fully prepared. Meaning, work through all the steps below before you submit anything.

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OVERVIEW

Your aim is to convince someone who not only does not know you, but does not want to know you, and has read too many bad books, that your book is different. For this you need a cover letter, bio, synopsis, and a sample chapter of such sublime wit, wisdom and genius that even the most jaded and cynical editor can take pleasure in it.

Take your time. Don't just whip up something in a day and send it out. You're probably looking at a one or two year gap between acceptance and publication. So in the grand scheme of things, taking the time to make your presentation really shine won't matter. EXCEPT, it'll ensure you get published in the first place.

Every publisher should have writers guidelines. Get them. Read them. Follow them. They're using the process of elimination to get out of reading these submissions. The first step in that process is to bump off everyone who can't follow the guidelines. Don't be one of them.

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PREPARING YOUR QUERY LETTER

This will be the first impression they get of you. Make it a good one! Edit that letter as hard as you would a manuscript, and make the damn thing perfect. Make it good writing. Sum up your book in such a way as to make the recipient of the letter say, "Wow, I want to read this book."

The first page of your book, along with the jacket text, are what usually determines whether a browser buys your book or puts it back on the shelf. As you write your query letter, think of what you'd put on that book jacket, and work that concept into your letter.

Never address your query letter To Whom It May Concern, Dear Editor, or any of that. Get a name. When you find the books that you really like, and are searching them for potential publishers, call those publishers. Ask who edited those books. If you want to approach the publisher directly, write to those editors.

You can find more excellent information on the submission and publication process at:

http://www.caderbooks.com/pubfaq.html
http://www.dsmagency.com/published.html
http://www.fictionfactor.com/guests/findagent.html
http://www.fictionfactor.com/children/chances.html
http://www.hollylisle.com/fm/Articles/scamspotting.html
http://www.jkelman.com/publish/
http://www.kerismith.com/WishJarTales/gettingpub.htm
http://www.robertaisleib.com/published.htm
http://www.sff.net/people/justinvs/howtopub.html

With a simple bit of good writing, and we all know you can do that since you've already written and polished your manuscript, you'll make it past this first hurdle. The editor reads your letter, sees nothing in it to stop him from continuing, and has no choice.

What would stop him? Typos. Grammar. Spelling. Boredom. Or anything that says "I write so much better than Stephen King that he's not fit to hold my jock strap. Buy my book and we'll both get rich."

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WRITING YOUR BIO

Don't lie. That's the first rule. The second rule is, don't forget any writing credits. List everything relevant you've got. Publications in decent magazines or newspapers. Credits in TV, films, theaters. Any literary prize you've managed to get in adulthood. The fact that you're a professor of English or an editor on a sports journal.

If you have no literary background, no education, and no respectable publications, but you spent fifteen years in solitary confinement in a Siberian Work Camp, that might indicate that you have a story to tell. But if you're writing about cuddly koalas to entertain the under-five crowd, this piece of information may be more than anyone needs to know.

You can list your credits either chronologically or from most impressive to least impressive. Just whichever puts you in the best light. You want to look like you're already a successful author. You don't want to sound arrogant, but you do want to sound confident. Keep it to a single page. You don't want to waste anybody's time. They don't have enough. (Who does?)

If your bio is so bare of details that it's more of a liability than an asset, forget about it. Maybe your "bio" equals a sentence or two, in which case you can work it into your query letter instead of a separate document.

Your goal, remember, is to get that editor to read your synopsis or manuscript. To judge it on its own merits. If he reads your writing and rejects it, you gave it your best shot. Try a few more, and if they all reject it, think about improving your writing. But you don't want that editor to stop reading your submission before he gets to your writing. So, take the time to do the query letter and bio correctly.

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WRITING YOUR SYNOPSIS

To quote at least one agent, "There is no such thing as a good synopsis." And how can there be? How do you sum up 50,000 or 100,000 words in a page or two? I'll tell you how I do it. Very badly.

Having said that, this is your first chance to show the publisher that you can write. Some publishers want a minimal amount of information on first contact (query letter, bio, synopsis). Others want to see the first chapter or two as well. Nobody wants to see the whole manuscript at first, except those who say so in their writers' guidelines. If you include sample chapters, the chance of them being read depends largely on the quality of your query letter and synopsis.

Keep your synopsis short, two pages maximum unless the writers' guidelines say differently. Shorter is better. Pick out the theme and the strengths of your book and, in as clever a fashion as possible, relay these qualities in a brief chronology. The chronology is less important than the theme because, in truth, your only hope with a synopsis is that your theme or concept will strike a chord with the editor or agent reading it.

If your story is funny, your synopsis should be funny. If it is a romantic story, then your synopsis should be a romantic synopsis. You are a writer, and here is where you can be creative.

Many great works of literature don't have easily defined stories, just fine writing and good characters. If you have no story, then you have to sell your idea. The synopsis must have fine, clear writing. Say how your book starts, how it ends, and the interest in the middle. This isn't the time for cliffhangers.

Your sample chapter should do the main talking, but your synopsis should offer up those clever memorable sound bites that will linger in the editor's mind and convince him to read the sample chapter.

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PREPARING YOUR MANUSCRIPT

Did I mention that your manuscript must be flawless? I'll mention it again. Your manuscript must be flawless. Especially be sure that the first chapter(s), the "hook" that you'll submit, will be the type that grabs the reader and makes him/her/it wonder what happens next.

Beyond that, some mechanics:

If the publisher you're submitting to lists all this information in its guidelines, you're in luck. Do what they say and they'll read the manuscript. Fail to do so and they'll set it down unread, even if you're the next John Grisham.

Remember, they're budgeting their time and trying to get out of reading this stuff. Once they read it, they'll be fair. (If not, you don't want them.) If it's good solid writing, you're in. But until they get to the writing, they always expect the worst. If you'd seen some of the crap that comes their way, you'd be just as pessimistic. But in the end they do love good writing or else they'd quit that job.

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PUBLISHER LIST

Publisher Directories at http://www.chinarice.org/publisherlist.html contains the websites of almost 100 publishers, but they do tend to vanish quickly. I recommend visiting this after you've gone through the selection process, either from books you read or from a book such as WRITERS MARKET.

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AGENT LIST

Here's some advice from the Agent Research and Evaluation website. They define an agent as:

"...someone who makes a living selling real books to real publishers. No one representing himself as an agent should also claim to be a book doctor, an editor-for-hire, a book 'consultant' of any kind. They shouldn't charge any type of 'upfront' reading fee, marketing fee, evaluation fee or any other fee apart from a commission on work sold.

"With the possible exception of certain MINIMAL office expenses, legitimate agents NEVER handle [the expenses connected with submitting manuscripts] as an upfront cost. Only as a billable expense after being shown to have been incurred.

"Remember, real agents live off the commissions they make from selling their clients' projects. Scammers live off up-front fees for unnecessary, inadequate, or non-existent services."

This is excellent advice. Anyone can call himself an agent, get himself listed somewhere, and tell every author who sends him a manuscript "This is excellent. Send me some money and I'll sell it." Then he can pocket the author's money and do absolutely nothing, or send the manuscript to the same publishers who reject everything else he sends them.

Agents work for a percentage of your sales. It's usually 15%. An agent's source of income must be the books he sells. If the author pays him before he closes a sale, where is his incentive to close the sale?

Insist that your agent send you copies of all rejection letters. A great agent should offer this without you asking, and those rejection letters shouldn't all be undated "Dear author" or "Dear agent" letters that don't mention you or your agent or your manuscript by name.

Your agent should also involve you in the selection process without you asking, even if that just means telling you "I'm sending to this, that, and the other place." Don't let him/her send your gothic romance to a children's publisher, etc.

If your agent is sending your stuff to the right places and it's still getting rejected, you've done all you can do, except write better.

Literary Agent List at http://www.chinarice.org/usliteraryagentlist.html contains my list of resources for finding an agent in the US. Literary Agent List UK at http://www.chinarice.org/ukliteraryagentlist.html contains my list of resources for finding an agent in the UK. If you've been reading my other advice, you're already talking to other authors. If you know one who's made it into print, especially one who writes in your genre, ask which agent (and which publisher and editor) he used.

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WARNINGS

Once you have narrowed down your list of prospects, visit:

National Writers Union (http://www.nwu.org) Be sure to look at "Writer Alerts"

Preditors and Editors (http://www.anotherealm.com/prededitors) Warnings about all the latest scams.

How to Spot the Scam Sharks in the Writing Waters (http://www.speculations.com/rumormill/)

Writer Beware (http://www.sfwa.org/Beware/) A wealth of must-read advice from the Science Fiction Writers Association, regardless of the genre you write in.

Michael LaRoccaAudra Blog50618
Alene Blog35724

Credit Freeze: The Surefire Way To Stop Identity Thieves

Are you a victim of Credit card and Identity theft? Today, identity theft is one of the fastest growing crimes in the US. Often thieves will steal someone's identity and then go on to run up a host of bills in that person's name.

So the question is how can you fight back against these criminals and keep your good name intact as well as your credit and money?

The answer is to freeze credit reports and stop credit from being issued in your name. By freezing your credit, nobody can get your credit file or details to run up credit in your name leaving you to deal with the bill.

Who can put a freeze on their credit? Since 2003, almost everyone can put a credit freeze on his/her credit. Currently, most people simply put a fraud alert on their credit report and hope that solves their problems. The advantage of this is that the credit bureaus are supposed to alert you when a request for credit in your name is placed and verify with you that you indeed requested this new line of credit. The disadvantage with this method is that the creditors do not always call to request your permission or they ask very generic questions to verify the person they are speaking to is truly "you". Unfortunately, if they already have enough information to apply for credit in your name, they can usually answer these generic questions also. With a credit freeze nobody can open any type of credit line under your. Meaning, your credit details are off limits to everyone even credit lenders, insurance companies and potential employers.

How does a credit freeze work?

When your credit is requested, for example a credit card, the credit provider will call one of the three credit reporting companies to ask for access to your credit file. If you requested a freeze to your account, then the credit reporting company will tell the creditor that they don't have access to you file since it is frozen. You can just about guarantee that no creditor in their right mind will proceed with granting any credit on an account where the owners have placed a freeze, without asking the person to lift the freeze. Of course an identity thief wouldn't be able to do this without your pin and paying the fee to unfreeze the credit report.

What if I want credit? If you want credit or you need a background check for a potential employer, it is not a problem at all because the major credit reporting companies will give you an identification number or a PIN that allows you to freeze and unfreeze your credit report whenever you want. There is also a small fee that is charged to lock and unlock your credit.

If a criminal manages to get your credit file, with the protection of a credit freeze they don't stand a chance at getting credit, no matter how good they are.

How do I get a Credit Freeze on my files? In order to freeze your credit, you will need to contact each of the three credit reporting companies. There is a fee but it is absolutely low considering the benefits of having a credit freeze on your account, the few dollars that are spent are worth knowing that your credit, and good name are protected and secured at all times.

What do the credit reporting agencies need? Each of the three credit reporting companies requires a certain procedure to be followed in order to have your credit report frozen. Below are the requirements needed for each company:

Equifax: Send a letter via email that contains your name, address, including previous addresses, social security number and your date of birth.

Experian: Mail a letter with full name, middle and other identifying names like Jr. or Sr. Also include you previous and current addresses going back five years, social security number, date of birth and proof of address like driver's license, electric bills or bank statement.

TransUnion: Communication can be sent either by regular or certified mail, although certified mail is always a safer option. You will need to include your full name, including middle initials and any other parts to your name. You will need to provide your current mailing address and any other addresses dating back to the last five years, date of birth and social security numbers are also required.

Payment for the three credit reporting companies must be made by check, money order or by a credit card. If a credit card is the chosen option, then the name of the card, account number and expiration date must be included. ID theft victims should also put a valid copy of a police report, investigation report or a valid complaint that has been filed with a law enforcement agency.

Don't be caught by criminals who prey on honest citizens by stealing their identity and running up expensive credit debt. Fight back, use a credit freeze and rest assured that your credit is safe from theft.

Liz Roberts is a loan consultant with New Horizon Finance, specializing in bad credit,& has been providing consumers & business owners with financing since 1989.Join Experian Triple Advantage http://www.newhorizon.org/Info/experian.htm & get a free credit report & credit score. Bad Credit? Apply for bad credit credit cards, http://www.newhorizon.org/Info/unsecured.htm.Alexi Blog86986
Adrianne Blog2892

School Staying on Top of it All

Parent reminders, homework, school lunches, event notices if youre not organized school commitments can get the better of you. If you have one child at school its tough enough to get organized but multiply that by two, three or more children at school and its almost impossible to stay on top of it all.

Here are a few ideas for keeping it all under control during the school year:

Set up a school zone in your house with different folders or file boxes for each of your kids and keep all important school papers and forms in there.

But, before you file those notices away make sure you write down any important dates and events in a big calendar you keep in the school zone. This will make it easy for you to simply glance at it in the mornings and know whats going on.

Envelopes and Pens, its always hard to find them in the mornings when youre desperately trying to fill out those last minute field trip forms make sure you keep these items handy in your school zone at all times.

Homework box, another great addition to the school zone, this is a specific place where the kids place their pending homework. Make sure you check on the calendar when its due back so they dont forget it.

Cash, keep some spare cash and loose change in a container in your school zone. Kids often need to take a dollar in for this or that. By keeping some cash handy you wont have to worry about stopping at the ATM before school.

Notice Board, buy a cheap inexpensive cork board and keep it in your school zone. Post up school event calendars, notices of special upcoming events, school phone numbers and any other school related notices you may need.

Mila Sidman & Alice SebaAnalise Blog66731
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Paydex Score The Secret to Business Financing

As a business one of the most important things to know is your Paydex score. Your company's paydex score is the business equivalent to your personal FICO score, or personal credit score. Knowing what this number is and having the secrets to increasing your Paydex score can mean acquiring the financing needed to start or grow your business and make the difference in achieve your business goals. On the flip side, not managing your Paydex score can cost your business.

The exact definition from Dunn & Bradstreet, or D&B is: The D&B PAYDEX Score is D&B's unique dollar-weighted numerical indicator of how a firm paid its bills over the past year, based on trade experiences reported to D&B by various vendors. The D&B PAYDEX Score ranges from 1 to 100, with higher scores indicating better payment performance.

The higher the score the better. Now, how do you increase your Paydex score or establish a score if you dont have one yet. First, know what you are doing.

1 Know what your payment pattern means

If you are under the impression you should have the highest Paydex score because you pay before the due date, you are wrong.

The highest scores are given to Companies who pay the bill PRIOR to the invoice being sent. This payment pattern is considered an anticipatory payment pattern. The company anticipates the payment is due and pays it ahead of time. This is the highest responsibility a company can display and will earn high points for your company.

2 Understand what the Paydex score means

So, your business has a paydex score of 75. What does the paydex score mean? Is this good or bad? Well, for this example a 75 Paydex score would be the equivalent of a FICO score of about 700 or above. This is a good Paydex score.

You can use this D&B key to help you interpret the PAYDEX Score.

Key to the D&B PAYDEX Score

PAYDEX SCOREPAYMENT100Anticipate Payment detail may state: payments are received prior to date of invoice (Anticipated)90Discount - Payment detail may state: payments are received within trade discount period (Discount) 80Prompt - Payment detail may state: payments are received within terms granted (Prompt) 7015 Days Beyond Terms6022 Days Beyond Terms5030 Days Beyond Terms4060 Days Beyond Terms3090 Days Beyond Terms20120 Days BeyondUNUnavailableThe payment details section may include the following comments on your payment patterns:

Antic - payments are received prior to date of invoice (Anticipated).

Disc - payments are received within trade discount period (Discount).

Ppt - payments are received within terms granted (Prompt).

Slow - payments are beyond vendor's terms. For example, "Slow 30" means payments are 30 days past due.

Ppt-Slow - some invoices are paid within terms, others are paid beyond terms.

(#) -indicates that no manner of payment was provided; the number merely reflects the line where it appears in the listing. For example, (004) means it is the fourth experience listed.

Payment Commentary - such as "Cash in Advance," "Account in Dispute," "Credit Refused," or "Placed for Collection" may also display next to trade details. "Placed for Collection" means the account was forwarded to a third party for collection action during the past year.

It may also indicate comments like, "seasonal purchasing pattern" if many transactions are recorded in a certain period of time, routinely, during a specific time of year.

You can view a sample Paydex report at www.dnb.com

3 GAIN CREDIT - THERE ARE CREDITORS THAT DO NOT REQUIRE A PERSONAL GUARANTEE or PAYDEX SCORE!

There are creditors that will grant lines of credit to businesses without a personal guarantee or a paydex score. This is a great way to establish credit for your business. Gaining a small line of credit with these types of vendors and making anticipatory payments will increase your Paydex score or establish a strong score for your business.

The website www.extremebusinessmakeover.com provides you with a program to build your Paydex score within 90-120 days and will tell you which creditors will grant you a line of credit with no Paydex score required AND no personal guarantee. This program has assisted many companies in not only increasing their Paydex score but gaining substantial lines of credit.

You should know that less than 3% of businesses that attempt to receive funding on their own ever do! If you apply at multiple places without pre-qualifying, you may damage your credit and will destroy your chances of receiving funding from the sources that would have done your deal. It would be in your best interest to consult a company like extremebusinesscreditmakeover.com prior to attempting to gain credit lines.

4 Manage Your Business Credit Responsibly

If you own your own business you are probably not 18 years old anymore and should know how important maintaining good credit is. A strong Paydex score can give you the credit lines you need to increase your marketing effort, buy the needed equipment, get the supplies required to land big clients, and could be the difference in your companies success.

With all that at stake it is of the utmost importance to manage your credit with the highest level of responsibility.

If you are not in a place to make the required payment at least by the due date, then DO NOT MAKE THE PURCHASE ON THE CREDIT LINE.

It would be careless to abuse this credit line since can be such a key to your long term success.

Armed with this information you are on your way to increasing your Paydex score and gaining the credit you need to make your business thrive!

Nicole Anderson offers information about corporate and personal unclaimed money at www.cashunclaimed.com . Would you like to receive your lost funds check from money owed to your company, your family or yourself? A simple unclaimed property search could mean a check in your mailbox. Click on www.cashunclaimed.com for a free money search, that includes all state and federal databases, and locate your missing money today!

Nicole Anderson offers information about unclaimed money at http://www.cashunclaimed.com. Cash Unclaimeds database covers all state and federal databases to ensure any money owed to you is found and offers unlimited name searches to members. Click on http://www.cashunclaimed.com for a free money search and locate your missing money today!Andree Blog77874
Anallese Blog1537

Car Buying Driving The Deal

When it comes to negotiating your best deal on the car youve got your eye on, first and foremost you have to do your research and homework on all the various parts of putting a car deal together.

At a high level, this is all the pricing, rebate, and dealer incentive numbers you can find on your perspective car. Youve lined up your financing so you know what you qualify for, how much you qualify for, how long you can finance, and what your monthly payments will be based on a few different financing scenarios. And (if applicable) you know the actual cash value, and retail value of your trade-in.

If you dont have a firm grasp on the aforementioned, proceed no further (dont show up at a dealership) until you do.

But if you have, and you feel confident, lets talk a bit further about negotiating.

Rule number one when it comes to negotiating and car deals.

Never negotiate from the MSRP down Youll never get to the price you want.

Always negotiate from invoice price or dealer cost up.

Since youve done your homework, go to the dealership with your opening offer in mind. Be confident in yourself and the fact that although you certainly arent going to offer sticker price, your number will be fair and not ridiculous. If you offer up something totally ridiculous for the selling price from the dealer, youve wasted your time and havent really opened the negotiating process because your offer wont even be viewed as serious. Keep your offer within the win-win window.

When you know your numbers and you come across as confident (because you are) the sales people and the others at the dealership will be aware of this and will spend less time trying to work you.

Give yourself room to eventually feel good. By this I mean, dont table your first offer with the price you have in mind that you are willing to pay. Think about it for a moment; by definition there is going to be some negotiating going on here, so you certainly dont want to begin at the price you want to be and simply hold firm. This may sound easy but this is truly a point where many miss the mark. Many people feel uncomfortable about starting below their target price, but it is an absolute must when it comes to successfully coming close to or hitting your pricing goal.

If the salesperson or the dealership is the first to offer up a number to get things going, rather than you countering with an actual dollar amount simply let the salesperson know that his number simple not within your budget and they need to come back with a better offer. By doing this, your goal is to get an even better opening price without tipping your hand.

Remember, a dealership is always going to take a couple shots at maximizing the deal for their side first.

Keep in mind that negotiating is just that negotiating. It isnt a one-way street where you get everything you want and the dealership simply acquiesces. There is plenty of give and take and it may not (actually hardly ever is) limited to just the price of the car. In other words, if you feel like you have to come up a bit off your offer or counter offer, see if you can get some return value for your effort such as some complimentary maintenance, even floor mats or something.

When you do this it keeps the negotiation alive and lets the dealer know that you are serious about putting together that win-win deal that works for both parties.

Stay open minded during the process and treat the entire car buying process as a negotiation package. There are numerous avenues that you can probe for negotiation during the car buying process. Its not just the price. However, dont agree on the price and then start trying to negotiate other items. Once youve said yes to the price, you lose your leverage. Remember its the entire package.

Finally, always keep in mind that without you there is no deal for the dealer. If you reach an impasse if you have to walk. Dont rationalize giving in against your better judgment because you really want the car, or that youve spent the better part of your day at the dealership. Remember the dealer and the salesperson have their time invested as well and dont want the deal to fall through either. Be patient, keep the negotiation communication lines open and chances are youll be rewarded with a new car at a price you feel good about paying.

Jeff Neilan's car dealer experience offers insightful http://www.acarbuyersguide.com that save you time and money. Be sure to visit www.acarbuyersguide.com for http://www.acarbuyersguide.com/financing.htm tips, ownership costs, & more.Aurilia Blog88629
Ailey Blog57895

Does DIY Help You Save Money in Your Wedding?

Does DIY really help you save money?

Lets take a step backward and see if what are the wedding items we can do it ourselves.

There are placecard holders, corsages, labels, wedding favors, wedding gifts and so on

The list is endless and even if you may want to try out making one item, the work would be multiplied by at a few hundred times depending on the quantity you are making.

Plus, you may need to shop for the materials, make an effort to the venue where they are sold, asking along people to help you and giving treats to them after their help.

There are many things to be done if you are saving, say $50.

Along the way, when the big day draws nearer, there are more tasks to be done.

There will be more decisions to be made and contigency plans to be drawn out.

If the DIY items had been done by the time, it will be a blessing.

And you are in line with your schedule.

But what if you are not?

Tasks and chores PLUS stress and frustration get accumulated.

Pressure built up in your body and there be feeling of not supported by people around you.

When other people start giving their own ideas and not following what you have intended, what will you do?

Will you give way to your friend for the sake of friendship?

Or insist on what you want because it is your wedding?

It is easy to say now we can work something out together. But when times come, it is going to put you in a very difficult spot.

If you are creative and have a group of friends who are good in art-and-craft, it is wonderful as your end products turn out to be of high standard and they are presentable and pleasant to look out.

What if it is otherwise? The object differs so much when you compare it beside the picture or photo.

What can you do? Remember the day is drawing near and there is not much time left.

What will you do if you have not enough time? Redo or leave it?

Jhong Ren runs http://www.romance-fire.com My Wedding Blog - an online wedding diary that gives more than just the usual tips and advice on a daily basis. Check out http://www.romance-fire.com now and by all means leave us your comments, share some of your own wedding experiencesAtlanta Blog83706
Adrien Blog60710

Cheap Personal Loans Works Well To Meet Your Needs

If you are planning to buy a new car, home or consolidate your debts at cheaper interest rates and for longer time then opt for cheap personal loans. Cheap personal loans are there to meet the personal needs of the borrower.

With cheap personal loans borrower can avail the extra money to deal with his personal needs. The best way to access cheap personal loans is through the internet; loan market is swamped away with the online lenders that can be accessed through the online mode.

Now with the outcome of the technology, borrower feels easy and comfortable to choose the cheap personal loan i.e. only possible when borrower carries the complete search for the loan.

While searching for the cheap personal loans, borrower must consider that he must avail that loan which offers him lower interest, longer repayment and most importantly larger loan amount.

Depending upon the borrowers needs, cheap personal loan can be categorized as secured and unsecured. In the secured personal loans borrower is required to place some valuable collateral like property, land, car etc. as a security.

The loan amount as in secured cheap personal loans varies from 5000 to 75000 for repayment duration of 25 years. But according to the borrowers affordability, financial situation, monthly income, etc borrower can even get his loan for shorter time period of his choice.

In unsecured personal loan, borrower willingly or unwillingly may not put up his collateral against the loan. Therefore, approval time for the unsecured personal loan is quite less compared to the secured personal loans. Therefore, in the unsecured personal loan, the loans amount ranges from 1000-25,000 for the loan term of 6 months-10 years.

People with bad or poor credit like CCJs, IVA, bankruptcy, default or arrears can apply for the cheap personal loans. Borrowers with bad credit history can also avail the opportunity to improve the credit score by restricting themselves to the loan terms.

With cheap personal loan, borrower can buy his personal needs at cheaper interest rates and easy repayment options.

Martin Andrews is offering loan and financial advice on cheapPersonalLoans for quite a long time. He is working as the senior financial consultant with Cheap-Personal-Loans. To find cheap personal loans, cheap unsecured personal loans, unsecured personal loans, cheap personal secured loans UK, cheap personal loans online, visit http://www.cheap-personal-loans-uk.netAlejandra Blog80209
Auria Blog13942

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.Ara Blog86025
Alethea Blog12064

Build your own MMORPG Economy

One of the things I find fascinating about a massively multiplayer online roleplaying game is the concept of the in-game "economy." In World of Warcraft, cash and items enter into the game economy in the following ways (most of this article should hold true for other games as well):

You loot items and money from the bodies of the monsters and opponents you kill.

You sell the items you loot to vendors for cash.

You buy items from vendors for cash.

You trade items with other characters, or buy and sell items from and to other characters.

You buy and sell items via the auction house.

You use components via your trade skills to create useful items, then use them or sell or trade them.

You buy services, such as training, from non-player characters.

You buy services, such as enchanting, from other characters.

You fulfill quests and receive rewards in the form of items and money.

There are a number of things that affect prices of items. First, if an item is easily available from a vendor, then odds are other characters won't be able to sell the same item for a lot more money. However, the prices of other items are heavily influenced by supply and demand.

On the one hand, the great thing about an MMORPG is that you can go out and "farm" almost any resource you might need. Need cash? Go kill some bad guys carrying it or complete a few quests. Need copper ore? Go raid the Fargodeep mine and mine the ore nodes there (assuming you have the mining skill). Need linen? Kill some of the bad guys that carry it. Need a new weapon? Find out about a quest that offers one as a reward and complete it.

On the other hand, there can be stiff competition for such resources, particularly at busy times of the day--if you only play during peak hours, you might not find it so easy to farm your needed resources. Not everyone wants to do this; some people would rather just pay for their materials and be done with it. Some resources are a bit on the rare side and you can't be guaranteed of getting them when you go out looking for them. And in WoW, things are set up so that no matter what trade skills you take as your two main skills, you'll almost inevitably need resources provided by the other trade skills (it encourages socialization within the game). To a certain extent you're going to have to realize that if you don't like farming up your own money and resources, you won't have as much of these things as other people--just as folks who don't want to spend their time raiding won't get as many amazing epic items.

Some folks solve their lack of resources and money in a way that I think most players dislike: by buying gold or items through places like ebay from "professional farmers" who game solely for the purpose of selling game items for real-world money. Apart from the rather sad statement on an individual's priorities that this makes, it can also unbalance an economy to a certain extent; you're only helping to drive prices up further and encourage farmers to monopolize farming areas when you do this (which means you're making your own problem worse).

However, in some ways it seems to me that the whole argument is moot. There are some fairly easy steps one can take to ensure that anyone deliberately trying to drive prices sky-high doesn't ruin your gaming experience:

Spend at least part of your game time farming your own supplies. Don't always buy them from others. If you don't like the price you'd have to pay for something, simply find out where to acquire it on your own and go get it. If you aren't willing to do this, accept that you can't have everything you want.

Don't fall into the vanity trap of having to have that one perfect item right here right now. Either wait until you're high enough level to acquire or create it on your own, or go without. If you really must buy it for some reason, then keep watch on the auction house and trade channels. Decide in advance what a reasonable price for the item would be and do not buy it until you see it for that price (or close to it).

For that matter, make auction house buying a sort of mini-hobby. Keep an eye on general pricing of items you tend to buy. Develop an idea of prices that are reasonable, and don't buy items that aren't priced reasonably. People can only sell items for outrageous prices if there are people buying them. You'll find plenty of mods out there to help you with auction housing.

When you sell items that tend to sell for ridiculous prices, sell them for a little bit less than the going rate. If you sell them at the insane rate then you're simply adding to the problems. However, if you undercut the insane rate by too much, all you're doing is enabling the folks selling at ridiculous rates to buy your low-priced items then turn around and sell them at the ridiculous rates. Whereas if enough people undercut the high rates by a little at a time, it can slowly drive the prices back down. I've seen this happen on some servers, so it can work. Another way to do it is to put a very low starting bid, a relatively high buyout (again, a little less than the current too-high rate), and a length of auction of 24 hours. Most professional auction house buyers don't want to wait 24 hours, so this gives people a chance to get something for less.

Join and encourage the kinds of guilds where people help each other out and trade items and services between members. This seriously keeps costs down. You do have to be a little discerning if you want to do this, however--group with people you've played with a little and feel you can trust at least minimally. Otherwise you can end up with one or more people mooching off of others, and that just fuels the imbalance.

Thanks to the fact that MMORPGs have resources that anyone at all can go out and harvest, there's little reason to let someone else ruin your experience of the economy. Instead of letting a lack of money get you down, farm your own resources, make some money through selling things so you can keep up with the economy, and undercut some of those high prices by just enough to make a difference.

Steven Golden is a researcher for many sites such as http://www.gameusd.com , http://www.world-of-warcraft-gold.us , http://www.bankofwow.com , http://www.gameshplist.com.Ariel Blog90118
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