How to sell 20 000 per month on ebay selling at wholesale prices

Copyright 2006 Cube 17, Inc. First of all let me tell you selling on eBay is easy, but it takes time or money. eBay has fees that you have to pay and if you want to grow quickly you will spend a lot on fees while you are learning. My wife had an eBay business and she was a Gold Power Seller selling more than $20,000 per month. She sold mostly watches, lots and lots of watches. She sold them wholesale, by the dozen or by the case, 30 to 60 at a time. They were inexpensive watches; we paid from $2.50 to $4.00 for each one and sold them from $3.50 to $12.00 depending on the quantity purchased. All of the techniques and suppliers we used are included in my eBook or in my exclusive newsletters you get as a free bonus when you buy my eBook. When selling on eBay there are several tricks. Let me tell you the 3 tricks I think are the most important. Trick #1: Build your reviews. Your reviews are your lifeline on eBay. You need to build your reviews so people trust you and want to do business with you. If they don’t trust you, you won’t sell anything on eBay. When you start you will have to offer good deals, free shipping or great communication. I always encouraged people to call me on the phone and ask questions by posting my phone in every listing. I didn’t get a lot of calls but I did get a lot of reviews. Trick #2: Make big margins. You need those margins. You can’t buy something for $10 and sell it at $12, not even at $15. The listing fees alone will eat you. Remember, you have to pay a listing fee, you have to pay a fee if you sell the product and on top of that you pay PayPal when you collect the money. You could easily pay up to 10% or more of your selling price. This could be your entire profit. If you use any special listings to showcase your product you could be looking at $20 extra per listing category. So again, don’t try to make it on volume, try to make it on big margins. The best things to sell are either unique items or collectibles, name brand items that people are looking for like iPods, or hard to find items or imports. Trick #3: Make more money on shipping. When my wife sold on eBay about 80% of our profit was made from shipping charges. We kept our product prices low so they attract the buyer and charged a bit more on shipping. People understood and they always got a great deal. For us it was a no brainer. eBay does not charge you any fees on your shipping charges, just on the selling prices. The funny thing is we only sold wholesale on eBay. And it seemed we were the only ones really selling wholesale. Most people selling at “wholesale prices” were selling at about 3 times what we could get any of their items. Many of our customers had eBay stores, others had convenience stores or gift stores, many of them had other businesses and wanted giveaways for their customers. This is only a small example of what you can do with Wholesale Distribution. And believe me, it’s not the most profitable one or the easiest to start. In my eBook you will find cheaper, faster ways of getting started in wholesale distribution and make even more money than what I made on eBay. I made much more from my other wholesale distribution businesses than what I made on eBay and I worked less too.



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Jd1 play basketball games

Playing Basketball: A Game of Defense Defense in the arena is one of the most vital responsibilities of every teammate in the field of basketball. It is as important as an offensive move. On the contrary, defense can make a team win a specific game even if the winning score is 1-0. It proves that with proper defensive work, a team could pick it off till the championships. Playing basketball is not just a game of shooting some hoops but also of guarding the ring. Sure they teach offensive techniques that require rigorous training and resistance. But that’s just the beginning. The real technique in winning a game is how to prevent an opponent from making that shot. This is one area that some of the coaches and players poorly rely on. They just don’t seem to realize how important defense is to their strategies. This should be their top priority. Even though defense in the court was proven many times, still, majority of the playing teams doesn’t seem to recognize this and fail to put extra effort to train on this one. Playing defense is as important as playing offense. That is the second time it was reiterated in this article. Because it is true. No matter how hard you try to get through, you still can’t make the perfect shot because of the extreme defense your opponent is showing. If teams would realize that pursuing for the ball is just a part of the whole game, probably they’ll include defense practice more often than offense. And dedicate their time in it. A team and its coach must have to attend to all aspects in ball playing. In other words, they have to be well-rounded. Players who think so much of their career doesn’t want to play as blockers. Why? How could you end up as MVP if all you do is block and prevent shots without giving yourself the opportunity to shoot? Think about that. No offense but, if this one popular player who calls the shots never had good teammates who defended every opponent from nagging him, how in the world can he prove himself to make that ball go inside the basket? Coaches who tend to recognize this would assign respective players to play defense. But that would only prove a 50-50 chance of winning the game. Coaches must train in their players the ability to defend every angle of the court...all of them. Then again, not all players can play defense. Only some are proven worthy. But still, it is good to be prepared than be caught off guard. Either way, teams must have the spirit in them to guard their base. And in order to do this, each player must have in them these certain qualities: 1. Instincts. A player must know how to react with every situation that may occur inside the court, and fast! 2. Has the knowledge to play numerous kinds of defenses like half-court traps, man-to-man, etc. 3. Infinite stamina to follow his guarded opponent wherever he goes. 4. Supporting number 3, he should also have quick feet and hands to be able to run and move as fast as his opponent can. 5. Quick reflexes. He should know how to detect an incoming shot and be able to block it. He must have the ability to jump as fast as he can repetitively.



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Trust is better than selling in cold calling

: I’d like to introduce you to a radical new thought. In the old sales mindset, you’ve probably been trained to focus only on making the sale. You approach your cold calls with the idea of moving things towards a sales event. But think about what this does to your cold calls. Before you even say "hello," basically then, you have an agenda. You want something. Well, your prospects can sense this immediately, and they put up their guard.

As people, whenever we know that someone wants something from us, we automatically move into a defensive place. You probably do, too, if you’re talking with someone who has an agenda. Can you see that your sales focus actually destroys the possibility for a genuine, trusting conversation? Because it’s focused on yourself – your desire for a sale - and not on the other person. Salesmanship vs. Relationship So it’s time to re-think the way you approach cold calls. When your strategy is to make a sale, then you’re someone who has to be "watched." You’re not weighing what’s important to the other person. And so to them, you can’t be trusted. It’s much better to build trusting relationship into your cold calling process. When the other person feels that you’re relating to them from this place, there’s no need to be suspicious and defensive. There can be a pleasant, productive, truthful dialogue about whether what you’re offering makes sense for them. So, really, it’s about trust and relationship. Why? Because when given the choice, people always prefer to do business with someone they can trust. Here are two fundamental shifts you’ll need to make if you want to move away from the old "sale-focused" mindset. 1. Release the Need for Control Whenever you’re trying to control the outcome of your cold call, you’re not allowing the conversation to have a natural rhythm and flow. You’re trying to maneuver things in a certain direction. So you’re not building relationship, you’re trying to build sales. You’re focused on things like getting information, finding the decision maker, scheduling an appointment, or closing the sale. And all of this sets off "alarms" for the other person. Prospects can sense that this kind of interaction is somewhat of an impersonal, pre-ordained process. They know it really hasn’t much to do with them. So how can you to shift into something more positive? You begin by consciously surrendering to the outcome of your cold call. When you do this, you’re no longer trying to manage things. You can be relaxed and helpful. This is subtly but powerfully felt by the other person. When they recognize you’re not "pushing" for a certain outcome, there’s an opportunity for mutual exploration, and you can be viewed as someone who’s trustworthy. 2. Focus on the Other Person When you start your cold calls by talking about your product or service, most people "shut down" right away. You’re talking to someone who doesn’t know you, and you’re trying to get them to step into your world. Instead, try stepping into their world. Think about what matters to them. Put yourself in their shoes. The best way to do this is to think about what kinds of problems they may be having. For example, let’s say you provide invoice management systems. You might start with something like, "I’m just calling to see if you’d be open to exploring new ways to solve revenue loss from unpaid invoices." Now you’ve started your cold call by focusing on the other person’s issue right away. You’re not talking about yourself. You’re "tuned into" their problems and difficulties. This feels really good to them, and you’ll more likely share an open, trusting conversation. When you don’t have strategies and "pitches" built into your cold calling agenda, you can be a real person talking to another real person. Now there’s an opportunity explore together in a more trusting way whether what you’re providing is a fit for them. And the difference will astonish you.



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The quickest way to start a business online

Want to get into business fast with minimal investment? Want a business that will generate a steady passive Income? Consider This: Joining an affiliate program is one of the easiest ways to get into business quickly online! In fact joining an affiliate program is one way many of the successful business owners online got their rapid start! Isn't it time you joined this group of affiliate marketers? Let's answer a few pertinent questions first! Affiliate Programs Up close. When you join an affiliate program you agree to promote the merchants services or products on your website or in your ezine. This is easier than you might think because the merchants usually supply members with banners or links back to their site to promote the product. Plus they tally up your clicks or sales. What You Will Need. High motivation, knowledge of what your target will purchase, and a way to sell to customers. A website is important and the key to getting steady CUSTOMERS. If your site ranks high on search engines your sales will increase. You will also achieve a greater sales quota if you publish a newsletter with a higher subscriber rate. And regularly offer products to your subscribers. Choosing An Affiliate Program. Always select services or products that fit your targeted market. And certainly products you endorse. Make sure you understand all the details of the program. Avoid MLM programs. Usually , only the first tier group receive any substantial rewards. What To Avoid. Avoid any program where you recruit other affiliates. And your earnings are based on a percentage of their profits. Your profits plummet if your recruits abandon the program. Always read the fine print. Make sure you understand the payment clause. Many affiliate programs will only send you payment after you've accumulated a certain sales amount. Anything from $10.00 and up. Payments! Affiliate programs might pay every other week, per month or per quarter. You will receive a payment if you reach the minimum balance in sales during that pay period. Most balances are accumulative. So, if you do not reach the minimum during one pay period it will be rolled over to your next pay period and added to any sales balances. Once again, read the fine print in the affiliate agreement when you sign up for pertinent details. Programs. Here are a few popular affiliate programs. Clickbank http:// clickbank. com Commission Junction http:// commisionjunction. com Sources Are you a newbie and want an easy way to get into business fast? Join an affiliate program! One Super Affiliate Rosalind Gardner shares her techniques and secrets in her newest ebook. This super affiliate marketer makes six figures per year. Check it out if you want to get into business fast and make a good income! "Super Affiliate Handbook" Click Here: http://hop. clickbank. net/?xy123/webvista2 -- You have permission to reprint this article in your newsletter or on your website. Please include the resource box and all links.



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Business opportunities 9 things to look for

If you are considering striking out and starting a new business, you have probably been investigating what are known as "business opportunities". A business opportunity is usually a complete package that contains a product or line of products, and a marketing strategy for selling that product. Any business opportunity worth considering will either have a track record that you can investigate and evaluate, or it will have a clear statement of the plan, the potential, and the up-front costs. Before investing any time or money in a specific business opportunity there are some things you should consider. Here are some of the more important ones: How long has the business opportunity been in business? - Before investing time and money in marketing a business opportunity it is important to determine how long that business opportunity has been operating. If it is a new concept that has not been proven in the marketplace, you have no assurance that it will even work. Does the company have a fixed address and phone number? - This may seem obvious to you, but the fact is, thousands of "companies" operate with nothing more than a website and an email address. Many of them are here today and gone tomorrow. Make sure the business you intend to deal with has a fixed address, physical location, and established phone number. Does the business opportunity have some successful members you can talk to? - Most business opportunities will show you "testimonials", but these are often untrustworthy. They could even be completely fabricated. Ask the owner of the business opportunity for names of real people you can talk to. Call them on the telephone and ask them to share their experiences with the program. This will not only provide you with valuable first-hand information about the program, but it will give you a list of advisors who many be happy to help you along the way. How much initial investment is required? - In many cases a proven business opportunity with a successful track record will involve some kind of initial investment. This could involve an initial amount of product inventory, a program subscription fee, or possibly a piece of equipment required to produce or finish the product. You should not assume that a business opportunity that is free to join is a better investment. Usually a free-to-join business opportunity will involve other costs such as marketing and advertising fees. Nobody gives away "opportunities" for free. What you have to determine is whether a specific business opportunity has a successful track record, is managed by honest people, and offers you a realistic chance of actually making some money. These are the things you must weigh against the entry costs. What is the realistic income potential of the business? - Have a careful look at the numbers and projections provided by the business opportunity. Then talk with actual members who are using the program to determine if they have been able to turn those numbers into reality. Are there extra fees such as yearly or monthly subscription fees, shipping costs, or minimum purchase requirements? - Make sure to get a detailed list of all the fees involved in operating the new business. These things may not seem significant now, but they can easily eat into your profits later. Who controls the money? - When you generate sales for the business opportunity what assurance do you have that you will get your share of the profits? This is the primary reason not to deal with "fly by night" outfits that have no track record. Again, the best way to get an accurate reading on this is to talk with people already using the program. Does the business opportunity supply marketing materials and person-to-person mentoring? - One of the most difficult parts of starting a new business is "learning the ropes". It can be extremely helpful to have advisors who have first hand experience in making the program work. The same goes for marketing materials. You will have enough to do without having to create brochures, ads, and newsletters for your new business. How much control of your new business will you have? - Be clear on who owns the business, and who controls the way it is developed and marketed. You may want to diversify your product offerings in order to avoid being at the mercy of "head office". Remember that you are trying to create a business that has long term value. This will involve considerable investment of time and energy on your part. You don't want your business to be completely dependent on the stability and integrity of a single supplier. The ideal business opportunity is one that is offered by a stable company with a proven track record. The business opportunity should require low initial investment and have high profit potential both in the short term and in the long term. It should allow you to build a profitable business of your own that will be a source of income far into the future.



Online Business opportunities 9 things to look for

What to do if you didn t get a form 1099

If you earned revenues as an independent contractor in 2005, you should have received a 1099 Form for the work. So, what if you haven’t received one? What To Do If You Didn’t Get a Form 1099 If you earned over $600 from one person or company as an independent contractor in 2005, that company or person is supposed to issue you a 1099-MISC form. The form is applicable to revenues, rents, royalties and other categories of income beyond the scope of this article. In issuing you a 1099-MISC, the business or company is also supposed to send a duplicate of the form to the IRS. This allows the IRS to keep a tab on how much money you earned in 2005. Lucky you. 1099-MISC Forms are supposed to be issued to independent contractors by January 31, 2005. Businesses, particularly small businesses, are famous for failing to get the forms out on time. They have to be filed with the IRS by the end of February, so businesses often send them out at that time. If you haven’t received a 1099 by the first week or so of March, it is time to take action. The first step to resolving the problem is to call the business or person and ask about it. Some aren’t even aware they are supposed to issue the forms and file them with the IRS. They are focused on their businesses, not tax documents. Giving them a heads up will almost always take care of the problem. 1099-MISC forms are not filed with your tax return. They are information forms only, so failing to receive one is hardly the end of the world. You should already know how much revenue you earned in 2005. A 1099 form doesn’t really help you figure taxes. It just keeps the IRS informed. If you don’t receive a 1099, you can determine your revenues by totaling invoices for the client or reviewing bank account statements. If you don’t receive a 1099 form, it does not mean you can forgo reporting the revenue on your tax return. If you take this course of action, you run the risk of being audited and charged with tax evasion by the IRS. It isn’t remotely worth the risk.



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Finding the best credit card

When you start your hunt for the best credit card what you're really searching for is the best credit card for your particular situation and needs. You may, for instance, be someone whe travels a lot for business or pleasure. Travel credit card discounts may be the best credit card option for you. You may be someone who has bad credit. There are credit cards especially designed for folks like you - these would be the best credit card options for your circumstances. If you are a shopaholic, for example, the best credit card for you might be one that gives rewards in the way of incentives and percentages back on purchases. Of course, there are some things that make a card the best credit card for many, if not most, credit card users. These are the ones with the lowest APR (annual percentage rate) and the lowest annual rate. Some cards - in fact, many - have no annual rate at all. One such card may prove to be the best credit card for you, assuming that there aren't hidden fees that ultimately cost you more than you've saved in lower APR or annual fee. Keep in mind, though, that the better your credit history, the lower the APR you're going to find on a credit card. If your credit is poor the best credit card you're going to find, unfortunately, is going to be one with a higher than average APR. That is, until you improve your credit standing. There are alternative credit cards for this situation, too. Other factors to consider in determining the best credit card for you is whether you generally pay off your credit card debt each month or whether you carry over a balance each time. The reason this is an important factor in deciding the best credit card for you is that some credit cards offer a grace period on this carryover - others do not, and, in fact, tack on hefty penalties for doing so. Fleet, AFB Industrial and Wachovia Bank all have twenty day grace periods on their credit cards - clearly the best credit card choice for those who don't pay the balance each month. All other factors being equal, of course. Another best credit card factor to be considered is whether you typically use your credit card for cash advances. This rate can vary considerably, and some even have no fee attached to a cash advance request. This, like anything else, depends on credit rating. USAA's best credit card offer for cash advances, for example, is a free cash advance. It's highest percentage fee is nine percent. Fleet and Wachovia both charge four percent. The other important factor in determining your best credit card is how much traveling you do. If you're flying the friendly skies on a regular basis a credit card that lets you rack up credits for each flight you take may save you more than opting for one that doesn't whose APR is lower, or the annual fee less costly.



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Nissan produces its 100 millionth vehicle

: The year 2006 is a time for celebration for Nissan Motor Company, Ltd. Why, you may ask? Let us just say that just recently, this auto maker has just reached a new milestone in its existence. Nissan has now produced its 100 millionth vehicle last June. Just imagine the whole range of vehicles that this car maker has been able to create and bring out to the streets and roads. So far, the company has been able to manufacture some 76,640,000 units of Nissan cars and vehicles in its home country which is Japan. The rest of the lot has been created in its various manufacturing plants scattered all around the globe. The production of Nissan does not only stop at creating cars and vehicles.

The company is also responsible for manufacturing the best Nissan auto parts made just for the use of their vehicles. This Japanese auto maker has also made sure that production of vehicles does not end with its 100 millionth vehicle. For at the end of June, which is also the month wherein the 100 millionth Nissan vehicle was completed, the company was able to make a total of 100,140,000 units of Nissan cars. The Nissan Motor Company, Limited is actually a brand of vehicles which has been sent out to the auto market under a different name years before.

Datsun was the brand that these vehicles held. Based in Tokyo, Japan, the company is now opting towards bringing more of its vehicles to the automotive industry. In fact, it is now considered as one of Asia’s top three car manufacturers. Tadao Takahashi, the executive vice president for the company’s manufacturing team, is very much elated by the way things are going for the company. He even thanks people who have been and are still part of the company, “On behalf of Nissan, I would like to thank all our employees and customers around the world for their support without whom this important milestone would not have been possible.”



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Coffee beans and the best way to buy

Coffee beans are an item that because of the internet can now be sourced with great ease and convenience, the thing is do we buy them from our local coffee vendor or should we buy them from an internet based coffee store? Well this all depends on what coffee beans you might want and how patient you are, in other words both methods have their benefits. Buying a number of blends from a local store will be pretty straight forward but if you want something like green Kenyan beans then it may be that you have to look a little further and use the internet. One bad aspect to hunting for coffee products locally is the fact that the variety of products that these local dealers stock is usually way beneath that held by the online sites, anyhow lets pretend the food and drink merchant did not have the items you originally wanted but did have a Green Coffee product you might possibly be interested in and a Iced Coffee product you might also want to look over. Obviously the next thing you need to do is check out the dealer to look at these coffee items for yourself, this is one of the genuine advantages of using a local coffee dealer, seeing the goods before you actually purchase. Being able to evaluate merchandise like coffee makers and also kenyan coffee sachets for yourself is a real important factor if a person is coffee buying, internet shopping does have its good points but it does lose when it comes to looking at items. The fact that you have real human interaction with a merchant can often be a terrific advantage, lets say for example you order a Brazilian Santos pack or a Celebes Kalossi Toraja pack, lets also say there is some sort of problem with the goods you have ordered and need to return it to the coffee vendor it was purchased from, now it could just be a matter of simply trading the merchandise you bought for an identical item or another model. Product returns in local coffee stores can occur very quickly say you had purchased something such as a trick coffee mug or a italian coffee jug via an online coffee store you may perhaps have to pay both the delivery costs and the inconvenience of having to wait for the food and drink company to return your cash or send you a replacement product. Now a good thing about local coffee dealers is the expertise they can give you, lets imagine you visit your locally based store because you are wishing to order a german coffee thermos it may be you happen to talk with the person in the store and because of their expertise in the area of coffee products you end up getting a completely different product altogether. Tips and expertise in the area of coffee products can easily be located on the net but you have to be aware of the proper methods by which to probe and dig for your required coffee guidance.

Hopefully now you are fully aware of the good and bad points about buying coffee beans online you will be able to make up your own mind on the subject, I prefer a little of both as I think that both online coffee buying and offline coffee buying are great.



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Remove spyware programs review

: In order to remove spyware from your pc you will need a program that can detect search and destroy those unwanted programs. Once you remove the spyware program you can feel safe and free to surf the net. Many spyware programs can disrupt the normal operation of your computer. Most spyware programs will slow your system down because it is taking the time to log each and every one of your keystrokes. This log is then programmed to be sent off to a some one else's computer. They will then review your keystrokes for passwords and personal information. This is done so that they can steal your credit cards numbers and use your personal information to their advantage.

If you suspect you are infected the first thing you want to do is to remove spyware right away. There are some good programs out on the net that will do this. Some remove spyware programs can be evil and cause even more problems for you. Spyware is a problem and there is always some one with bad ethics writing the software so they can take advantage of you. It is very important to protect yourself against spyware before you get infected. Sometimes it is hard to remove them once they have been downloaded to your pc. Some remove spyware programs that are reputable can prevent spyware from being downloaded before it is to late. I have noticed that many sites that offer free services are infected with spyware and even more so adware. I will be discussing adware in another article. Your internet experience can be very fun and enjoyable if you have the right protection so that you can freely surf the internet knowing that you are protected. Make sure that if you do have a remove spyware protection program installed on your computer that you check for updates often. This is very important as new spyware programs are written all the time.

The removal spyware programs are good at keeping up with the new ones. I have just tried out a new spyware program that works very well against the remove spyware battle. There are so many programs to choose from some good and even some very bad. I tend to stay with one that I know works the best. Please visit some of my sites Spyware Removal Software and Remove Spyware



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Selecting the right credit card

Not all credit cards are created equal. There are many various types of credit cards, and if you are looking to apply for a credit card, it may be difficult to decide which type of card is best for you. In this article, we will look at several popular types of credit cards, to help you figure out which type of credit card meets your unique needs. Low-Interest Credit Cards These credit cards are often useful if you are currently carrying a balance on some of your current credit cards. Low Interest credit cards, also know as balance transfer credit cards, are offered at significantly lower interest rates than what you may be used to. They are good for transferring balances to a new card at a lower rate. Often times, this will allow you to pay off your balance in a shorter amount of time, and for less interest. Rewards Credit Cards As the credit card industry becomes more and more competitive, companies are scrambling to get and keep cardholders and they are willing to bribe you to use their cards. This is where rewards cards come in. Each program has their own rules, but they all work in a similar fashion. By using your rewards credit card, you accumulate points that can then be redeemed for prizes, and sometimes even cash. There are many options available as to what type of reward cards you can choose. If you use credit cards frequently anyways, you might as well get something for it, right? Bad Credit Credit Cards Even if you have poor credit, you can still be approved for a credit card. Now, credit cards offered to people with bad credit often times have much more restrictive terms, higher fees, lower limits and a higher interest rate. If your credit is particular poor, you may have to go with a secured credit card where by you put down a security deposit, or prepay your credit limit. Why do that? Because, by using one of these credit cards and diligently paying your bill on time, you can actually improve your credit and before long you will be eligible for lower rates through a traditional credit card. Student Credit Cards These credit cards often have a lower limit than their more grown up counterparts, making them a perfect "starter" credit card for students. Young people can learn how to control debt without the risk of getting in too deep. As you can see, there are nay choices in credit cards. By choosing the right credit card for your particular situation, you can build your credit in a responsible way and enjoy perks that suit your lifestyle.



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Details of the citibusiness premierpass card application

For business owners, the consideration of the CitiBusiness PremierPass Card may be just what it is that you have been looking for. This credit card provides for the level of business spending that you need with a rewards program to help give you an extra advantage. Those that have good credit will find that it offers an attractive bundle of choices and can provide you with an exceptional quality product for managing all of your business expenses. The Details To Consider The CitiBusiness PremierPass Card provides for several benefits. First, you will enjoy 12 months of an introductory 0% rate on balance transfers. You will need to submit for these transfers within the first 12 months of having the credit line. You will also enjoy a low APR of 13.99% that is variable and 22.99% APR on cash advances. There is an annual fee on this credit card at $75 but it will be waived for your first year with the company. This allows the card to be affordable, yet with the negative of an annual fee. The Reward Benefits As for the reward program offered by the CitiBusiness PremierPass Card, you get the benefits of discounts on flights on virtually any airline, gift certificates, merchandise or other products. TO earn points, you will gain one point per dollar that you spend. In addition, when you use your card to purchases at specified office supply merchants and professional services, you will earn 3 points per dollar. When you purchase airline tickets with your card, you will get one point for every mile that you fly. Your rewards do expire after three years if your account is active during that time period. You have a yearly limit of 200,000 points but will received 15,000 points on your first purchase. Your CitiBusiness PremierPass card will provide you with the method of paying your business expenses with getting a little back in return. It is a good option for those with good or better credit looking for a solid credit reward program.



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Best credit card after bankruptcy how to find one

Finding the best credit card after bankruptcy is not that difficult, if you know where to look and what to look for. Let’s start by talking about secured and unsecured credit cards. When it comes to applying for a credit card after bankruptcy one question that a lot of people seem to have is: Should I apply for a secured credit card or unsecured credit card? In case you don’t know the difference, a secured credit card is “secured” by a special savings account you establish with the credit card issuer which acts as collateral for your credit limit. For example, you deposit $500 in a special savings account and then have a $500 credit limit. If you default, the credit card issuer simply takes the money in your special savings account. Unsecured credit cards are just that – unsecured. Meaning the person fills out a credit application and, based on their credit report, income, etc. are approved for a certain credit limit. Of course, they could also be declined depending on the credit card issuer’s guidelines. So which is best? It depends on your credit history. However, if you apply for a secured credit card you have a higher chance of getting approved versus an unsecured credit card. But be careful. Not all secured cards are created equal. And to make matters worse, there are tons of banks out there pushing secured credit cards! So how do you find the best credit card after bankruptcy? Come up with a list of criteria that the secured card needs to meet in order for you to consider it. When I’m researching secured cards, I apply eight criteria. Not many meet these criteria so I’m able to narrow down the choices quickly. What are the some of the eight criteria? For example, a low interest rate is important. While researching some secured credit cards I ran across one with an interest rate of 23.99% and another with an interest rate of only 9.25%. This is just one of the criteria I use to find the best credit card after bankruptcy – and look at the potential savings! Over several years you could save hundreds or even thousands of dollars in interest depending on the balance you maintain. Okay, here’s another criteria: application fees. Again, I found some secured credit cards that have no application fees and one that had a… are you ready for this… $120 application fee! Sadly, people have paid it! Let me give you one more criteria you can use to find the best credit card after bankruptcy: You want to make sure the secured card issuer reports to all three credit bureaus. But you also want to make sure they report it a certain way. I don’t have room here for all eight criteria, but hopefully this gives you an idea of some of the things you need to look at when it comes to finding the best credit card after bankruptcy. By the way, don’t apply for too many credit cards at once. If you do, it can hurt your credit score. That’s why if you’re uncertain as to whether or not you’d be approved for an unsecured credit card it may be better to apply for a secured credit card. Now you know some steps you can take toward finding the best credit card after bankruptcy! Copyright (c) 2006 Innovative Solutions Publishing, Inc. All rights reserved. DISCLAIMER: This information is designed to provide only a general overview of the subject matter herein. This information is provided with the understanding that neither the publisher nor author is engaged in rendering legal, accounting or other professional advice. If legal or other expert assistance is required, the services of a professional should be sought. Neither the publisher nor author shall be liable for any loss or damages, including but not limited to special, consequential, incidental or other damages, caused by the information contained herein.



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Your credit and your rights

Sometimes, things happen that can cause credit problems: a temporary loss of income, an illness, even a computer error. Solving credit problems may take time and patience, but it doesn’t have to be an ordeal. The Federal Trade Commission (FTC) enforces the credit laws that protect your right to get, use and maintain credit. These laws do not guarantee that everyone will receive credit. Instead, the credit laws protect your rights by requiring businesses to give all consumers a fair and equal opportunity to get credit and to resolve disputes over credit errors. This article explains your rights under these laws and offers practical tips to help you solve credit problems. Your Credit Report Your credit report contains information about where you live, how you pay your bills, and whether you’ve been sued, arrested, or filed for bankruptcy. Consumer reporting companies sell the information in your report to businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. The federal Fair Credit Reporting Act (FCRA) promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. Under the Fair Credit Reporting Act: • You have the right to receive a copy of your credit report. The copy of your report must contain all the information in your file at the time of your request. • Each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – is required to provide you with a free copy of your credit report, at your request, once every 12 months. Consumers from coast to coast will have access to a free annual credit report if they ask for it. • Under federal law, you’re also entitled to a free report if a company takes adverse action against you, like denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft. • Otherwise, a consumer reporting company may charge you up to $9.50 for another copy of your report within a 12-month period. • You have the right to know who asked for your report within the past year – two years for employment related requests. • If a company denies your application, you have the right to the name and address of the consumer reporting company they contacted, provided the denial was based on information given by the consumer reporting company. • If you question the accuracy or completeness of information in your report, you have the right to file a dispute with the consumer reporting company and the information provider (that is, the person, company, or organization that provided information about you to the consumer reporting company). Both the consumer reporting company and the information provider are obligated to investigate your claim, and responsible for correcting inaccurate or incomplete information in your report. • You have a right to add a summary explanation to your credit report if your dispute is not resolved to your satisfaction. You also can ask the consumer reporting company to provide your statement to anyone who received a copy of your report in the recent past. You can expect to pay a fee for this service.



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Using the web for home improvements

Using The Web For Home Improvements There are hundreds of thousands of home improvement websites out there each one jam packed full of advice, tips and hints to help you on your journey to a new and improved home. Each website is of course based on different places around the globe that home improvement services are available. They will list names and addresses of local contractors in your area! The websites offer a lot more than simple names and addresses. They will also offer reviews and list the licenses and societies that the company is registered too. Websites are also a great field of information when it comes to home improvements. There are lots of tips and advice on how to make the best of your budget and what the newest and most fashionable color schemes and pieces of furniture is! They go into detail with more personal stories, stories told by real people who have done some extraordinary improvements to their home. Not everyone goes for it alone. Though some people have the help of professionals and some people have hired help from families and friends! There is always something for everyone to do when it comes to home improvement as I’m sure you’ve read elsewhere! It is also an ongoing job, it isn’t just a one off to be forgotten about. It is always updated, not at the same time, but every month or three months depending on what the project is, it should be reviewed and updated! Websites are invaluable and offer a lot more than we need therefore we take these things for granted which should of course never be done but sadly it is. The internet can provide us with anything that we want and we should be grateful that we have advanced this far in technology and that we can use it like this to our advantage. I just don’t know what some people would do if we were still stuck in the dark ages and we all had to communicate by telephone, some people would just go insane! The beauty of a website is that it offers fabulous guidance when it comes to large and small scale projects! Word count 365



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Boxty irish griddle cakes

Being of the Irish persuasion, I offer this great recipe for Boxty. Boxty is a traditional Irish dish, and has been around for many a year. I especially like this dish with butter and a dollop of maple syrup for my breakfast. I do not have the usual "required" nutritional evaluation, but in my way of thinking, I can live without it to just have the pleasure of enjoying this fine old traditional side dish. Boxty (Irish Potato Griddle Cakes) 8 Servings (Halve this recipe for smaller families) 1/2 lb raw potato 1/2 lb potato, mashed 1/2 lb all-purpose flour 1 Milk 1 Egg Salt and pepper to taste Grate raw potatoes and mix with the cooked mashed potatoes. Add salt, pepper and flour. Beat egg and add to mixture with just enough milk to make a batter that will drop from a spoon. Drop by tablespoonfuls onto a hot griddle or frying pan. Cook over a moderate heat for 3-4 minutes on each side. Serve with a tart apple sauce: or as part of an Ulster Fry, with fried bacon, fried sausage, fried eggs, fried black pudding, fried bread, fried soda bread. An old poem says: . Boxty on the griddle, boxty in the pan, if you can't make boxty, you'll never get a man. (The accuracy of the poem is uncertain.)



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What is an internal eye sty

An internal sty causes a red, painful swelling, but its location prevents the pus from appearing on the eyelid. A stye develops rapidly, producing an elevated, painful, red, swollen area on the eyelid. Most chalazia develop further from the eyelid edge than styes. A sty is a bacterial infection that appears as a small bump along the edge of the eyelid. A sty resembles a pimple and is located at the edge of the eyelids. Chalazions usually occur farther from the edge of the eyelid than styes, and tend to "point" toward the nose side of the eyelid. If the eyelash stye lasts for more than 3 days or the infection appears to be spreading, consult an eye doctor. A sty is an infection of one of the follicles from which the eyelashes grow.

A problem that can occur along with, or be mistaken for, a stye is an inflammation or infection of the eyelid (blepharitis). Discharge from the infection causes the well known symptoms of eyelids stuck together on wakening or having a "crusty" appearance. Your eye doctor may recommend replacing your contact lenses after the stye has healed to prevent recurrence or spread of the infection. In some cases, however, an untreated stye may lead to cellulitis (a more widespread infection of the skin) of the eyelid. If the eyelash stye lasts more than 3 days or the infection appears to be spreading, consult your eye doctor. The initial treatment for styes is usually warm compresses to the eyelid at least three or four times a day. In children who are susceptible to styes, gently cleaning the eyelid with a clean, warm washcloth can help prevent the pores from becoming clogged. At first, a chalazion looks and feels like a stye: swollen eyelid, pain, and irritation.

Resembling a pimple on the eyelid, a stye can grow on the inside or outside of the lid. As the stye grows, the eye may water and the eyelid may be painful. DO NOT attempt to squeeze a stye or any other type of eyelid bump. Facial edema may also be caused by a stye, or growth on the inner or outer eyelid.



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Tips on gambling on greyhounds

Do you like to gamble on the greyhounds? Do you enjoy a night out at the dogs but are not really sure how to read the form? Are you looking for some advice about how to bet on the greyhounds? In this article I give advice on how I go about successfully betting at the greyhounds and about what some of the form quotes mean. I have been enjoying going to the greyhounds for many years. The main tracks that I go to are Hall Green and Perry Bar which are situated around the Birmingham area of England. I was taken to Hall Green for the first time by my father when I was about fourteen years of age. I had been to watch the horse racing many times but this first experience at the dogs was altogether different. The races are much more frequent than that of the horses.

There is normally a thirty minute gap between each horse race, where the gap between the dog races is only about fifteen minutes. I could also not quite believe how quickly these greyhounds could actually run. I also enjoyed the fact that despite some of these dogs bumping into each other and even knocking one another over at times, that there were no stewards enquiries. I did not do very well in the gambling stakes for quite a while but then started to learn more about how to read the form book. For example a dog may have been running in an A4 class for the last six races but is now running in A5. This means that he has dropped down a class and therefore would have more of a chance. A dog may also have been winning well for the last three races in A4 but is now running in A3. This of course means that he/she has moved up a grade and that it could be harder for the dog to win. These are some of the meanings in the form guide: FA - Fast away SA - Slow away BLKD - The dog got bulked RO - Ran on VSA - Very slow away The form guide also shows times for the greyhounds last few races and also times of how quick it started from the traps. These are all aspects that should be taken into account when deciding which dog to bet on. I also like to stand in the betting ring and to see how much money is going onto the different dogs. After a while you get to know the faces and at times I will watch who a certain person backs and then bet on that dog as well. This is because of course I have seen that person do well in the past and because I think he will know more than what I do. By learning how to read the form and by other things that I now do, I have started to do a lot better when gambling on these greyhounds. As well as betting on a single dog, I will also bet on a forecast and a tricast, just for a bit of fun. A forecast is where you predict which dog will come first and second, a tricast is where you predict which dog will come first, second and third. This is not easy to predict but when you get it right you tend to win a lot more money. At the end of the day a night out at the dogs is a lot of fun and it is important to only gamble what you can afford to lose.



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Balancing your work for the home business

With so many young people trying to work from home on the Internet it is amazing just how many of them really do not have the slightest idea of the workload they have got themselves into. Many of these people did not even sit down and assess what it is that they see as reasonable personal goal. This is a huge mistake on their part. You must know what you want in order to find a way to obtain it. It must be clear to everyone willing to jump into the Internet marketing world; if you are not sure whether or not you have the drive and a willingness to succeed you might want to save yourself some time, money and much aggravation. It is easy to desire something, and you may think you know how to get it, but there is this little issue about dedication and determination, do you have it? Why put yourself through the troubles of failing and wondering exactly where you went wrong. The great Winston Churchill once said, “If you find yourself walking through hell, just keep going”. This idea of the struggles people face, in business and in life is just that. Struggles, the winners will survive and the weak will fall. This has been a true facet in life since the beginning of time.

Basically staying power in the Internet marketing business is about keeping your face off the pavement. They also do not get the fact that because it is their business and not someone else’s responsibility, that they in turn will have to work probably much harder to keep it going. When these people hear the nonsense about working 1 hour per week and striking it rich, I truly feel sorry for their heads and wallets when they inevitably re-enter the earth’s atmosphere, and hit the ground with a screeching halt. Again this may be nothing more than naivety, and not total stupidity.

The unfortunate part for most people new to the scene is that they have absolutely no idea just what it entails on a time basis. What must be remembered is that success cannot be bought in a can. It is the single marketing plan and strategy that is doomed to fail. You must be able to walk many avenues in order to reap the benefits of the successes it can yield. Buy into what you truly feel will get you ahead, listen to what other marketers are saying in the forums and try to catch on quick. This field is extremely fast and waits for no one. The best way to do business is to spread out your resources as much as possible; the best way for exposure is to be out in the middle of the field, if you do your research first, then i have no doubt you will be successful. Copyright © Vincent Murphy



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The key to success in your home based business

When you start your own home-based business, the most important key to success depend on your self-motivation to push yourself ahead against any obstacles you encounter. Success really depend on the amount of time and effort you put into to build your home-based business. Do accept the fact that it take time for any kind of business to succeed and it may take a couple of months or years to see the fruits of your labour. Have you ever asked yourself how many years of studies you need to put in before you can get a Degree or Master? You must approach home business ownership with a positive mind and take into account the sacrifices that must be made to make your dream come truth. Always remember this: Get-rich-quick schemes doesn't work. If they did, then everyone on the face of the UNIVERSE would become millionaire. As a Boss of a new home-based business, you have to learn about business organization, planning, marketing, time management wearing many hats all at the same. You learn to be independent as you invest an increasing number of hours to nurture it, watch it grow and bloom into a successful enterprise. In return, you gain a WEALTH of BUSINESS EXPERIENCE along the quest of your business journey before you finally make a commitment to quit your employee status and do it full-time. When working for your home-based business, you are empower to achieve many things you can never do and learn. You are no more the employee stuck to the same old ROUTINE kind of work from 9 to 5. Your 10 years of job experience doesn't have any INCREASING VALUE as it is just like a year of work experience repeated 10 times. You are no more at the command of your tyrant boss who wouldn't let you take time off when your little children falls sick and the same tyrant boss who called you during your off-duty hour to rush back for work for the sake of the company. You are so busy and often work late that you forgot the beauty of the rising sun. Just think, owning your home business means you can make money and take good care of your family simultaneously. Of course, the best part is that you don't have to worry about being out of job. Ever wonder why many businessmen like Donald Trump can went bust and then back to become a MILLIONAIRE again within a short-period of time? It is The WEALTH OF BUSINESS EXPERIENCE they have accumulated as an entrepreneur which will always remain inside them for the rest of their life.



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