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    Fashion Models Start Your Engines

     

    How to Promote Yourself as a Freelance Model If you would rather promote yourself ... Some models would rather promote themselves instead of listing through an agency. Nothing wrong with this but it does require more work on your part. If your are signed with an agency, they promote the business, they talk to the clients in your behalf, they set up the shooting dates, they take the heat if you don't make it to the session, etc. But, there are many models who are "loners" in the pool of modeling and want complete control over who they work with and why. If you are one of these models, read on ... There are several ways to promote yourself. I will try to mention some ways for you to promote your modeling talent and a step by step format to follow. First things first .. In self promotion, the first step to take is putting together a professional portfolio. Once you've followed the portfolio guidelines from above, it's a good idea to have comp cards and business cards made. A) Business Cards Your business card should have as much information on it as possible. It's not expensive to have extra words listed and this way you can include things other than the name and phone number. For best results and at just a little extra cost, I would suggest putting your photo (preferably a headshot) on the card. People don't tend to throw away photos as quickly as they do just cards. Below the photo (or on your card if you choose not to include the photo) you should list .. Your name, contact phone number, email and don't forget to put your web address on the card You may want to also include in bulleted form your attributes (i. e. height and weight), special skills and the type of modeling you specialize in (your modeling strength area) B) Composite Cards You'll definitely want to get composite cards (comp cards) made to hand out to possible clients / agents and to leave with clients or photographers you work with. A comp card is one of the least expensive pieces of printed promotional material but packs a big punch in saying, "I'm a professional model". Here is a basic layout of a comp card .. Front Photo covering the front of the card (I suggest a good, strong headshot here) along with your name in bold letters. Back From four to six photos showing different looks (indoor and outdoor) in a variety of outfits with at least one good body shot (swimwear or tight fitting clothing). The back of the card will list important information about you and your stats including ... Contact information (Who to contact, phone, email, web address, etc.) Height Weight Bust size / cup size Waist size Hip size Dress size Shoe size Hair color Hair length (short, shoulder length, long) Eye color Type(s) of modeling jobs preferred (i. e. commercial, fashion shows, catalog, promotional, etc.) No need to feel overwhelmed with the details of getting your comp card ready. There are many companies online such as CompCard. Com who have versions and templates online which will help you every step of the way. Remember too that there are many different versions of comp cards so it's all a matter of personal preference as to which style you choose. C) Modeling Websites When it comes to websites, I could probably write complete chapters on the subject but I will try as best I can to simplify this part. Your website Paid or Free? Should you pay to have your own website created or go with one of the free web listing services online? Your choice in the type of web promotion you do depends upon your level of experience and the amount of budget you have to work with. If you are, in actuallity, an eccentric millionaire and are just pursuing modeling out of boredom, by all means hire a professional web designer and start from scratch to build a website that other models will be in awe of! But, even if you go this route, there's the promotional costs and time to think about; time that could be better used to improve your modeling abilities and make contacts with clients who need you for their photo projects. I personally feel that it's better to start but using a few of the online services (paid and free) to get your name out there. You can do a search and find many listing places but two sites that seem to have lots of buzz at the time of this writing are .. One Model Place & Model Mayhem Both of these sites offer a basic free package or a paid premium package. Either way, this is a less expensive way to get your feet wet and find out if you've got a look which is in demand. A word of warning about putting your model photos online Remember to stay safe when placing your photos online. Don't provide too much personal information about yourself or location untill you've thoroughly checked out the person who is contacting you. If you are under 18 years of age, put your parents' email address in the contact section and have them deal with any incoming offers. Never, Never meet a photographer or potential client alone. Take a parent or friend (preferably male) with you untill you are completely satisfied that you're in a safe environment. I cannot stress this enough!! There are other ways to promote yourself on or off the Internet such as contacting local upscale clothing or department stores for fashion shows or catalog work, jewelry stores if you offer hand modeling, hair salons, etc. This is your starting point in becoming a real model. See if you can come up with more creative ways to promote yourself as a professional model. Remember, you can have the most awsome beauty & talent in the world but if nobody knows where to find you ... It'll all be in vain! So, get off your backside and go to work!!



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    Dating Senior Where Senior Singles Find Love And Companionship

     

    Are you a senior single who is thinking about dating again? Meeting new people can be challenging especially to older people as they often face unique circumstances. One of the greatest challenges is that many older people have been in a relationship that may have lasted for decades. Having to learn the dating game all over can give one an awkward feeling. It is beyond the scope of this article to offer support to the person who, for any reason, is unable to let go and start over. Such a person may need help from a professional. This article is for the relationship ready person who does not know where (or how) to start. Another obstacle to senior dating is that there are not too many avenues open to this age group. Singles clubs and bars and clubs are not exactly made with this population in mind. Well, being the one senior person in a club full of twenty something year olds is not particularly endearing, and is open to the wrong interpretation. Added to this is feeling, real or imagined that one is no longer as attractive as they once were. Physical limitations that sometimes inevitably come with age complicate things even farther. People of the same age group might be more understanding and accommodating to these limitations. So, where to go for the senior single seeking a companion or partner? While joining a group or club consisting of people with similar interests may be a starting point, there still might not be as many available (and compatible) seniors. Dating has always been a numbers game. Cruises and vacation packages for seniors could cost a fortune, with zero end results. One option that offers the best value is senior online dating. There are dating services dedicated specifically to helping people over 40 or 50 years old find partners. Surveys by dating sites indicate that the fastest growing segment in online dating (aka internet dating) is the above age 40 bracket. This can be traced to the virtual non availability of other convenient dating methods open to senior singles. Senior dating sites are very active and are not just for retirees. Nor are they for perverts simply out to satisfy their twisted cravings. Most people in this age group seek serious relationships. Plus, you need not worry about competing with younger people as they won't be on these sites! A senior dating service offers several advantages over other dating methods. One big advantage is ability to search among hundreds of senior singles all of whom have one goal, to find a mate. All are there because they are available (no guessing). Another advantage is that you can search by geographical area, age, height etc., as well as interests. This greatly increases your chance of finding a compatible partner. Reputable dating sites make huge efforts make your mate finding experience easy through user friendly interfaces. They also go to great lengths to protect your privacy. Online senior personals help bring this segment of people together from the comfort and privacy of their own homes, 24/7. Seniors are able to meet on the internet without having to worry about physical limitations, loosing face, or feeling out of place. Little wonder then, that senior dating is such a growing phenomenon on the internet. Most of the top rated sites offer free trials. You should at least give senior online dating a try for one simple reason. It works.



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    Online High School How Does It Work

     

    Online high school is a great alternative to traditional high school for many students who require something different from the typical high school experience. But how exactly does online high school work? One way to earn high school credits online is through an actual high school or school board that offers the same courses available to students attending the bricks and mortar school, in an online environment. Oftentimes, schools provide this type of alternative access to their courses for any student who requires it, for any number of reasons. For instance, a student pursuing an acting career or heavily involved in sports may need to “attend” school online. Usually completing courses through an actual high school means that you can earn all the credits you need from home – as if you were going to that school in person. You won’t have to worry about missing out on coursework or lacking certain credits necessary to finish high school and earn a diploma. Every school administers courses differently – some make the online experience akin to attending a traditional classroom, while others emphasize independent learning over other methods. With the former, students have to show up for virtual lessons taught by teachers through the computer and Internet. Hooked up to a microphone, teachers speak directly to a group of students who are all part of the virtual class, and students respond by using a chat client. Other online learning tools, such as an online whiteboard and discussion forum, can be used to further demonstrate material. At the same time, students may also have to purchase or borrow textbooks to use in conjunction with the online lesson plans. In addition to online lessons, students have to complete homework, assignments, tests, and exams just like in regular high school – the only difference being that homework and assignments are submitted via email, and tests and exams are taken online (although some schools arrange for exams to be taken at an actual location on a specified date, or require that a proctor supervise the exam). The other choice – an online school that allows a student to work more independently – tends to offer more flexibility. You may not have to attend a scheduled online class, for example, but you will be expected to wade through the subject material on your own. You are given access to lessons and information, of course, but a teacher won’t necessarily be there to hold your hand every step of the way. You may not have to complete specific homework assignments by certain due dates, but you will probably have to submit assignments from time to time, take tests, and complete a final exam. Another choice is to take courses one by one through a company that offers online high school courses. This method of earning credits means you have to be more proactive when selecting courses you need to earn a degree and get into your college of choice, but it also offers more possibilities when choosing courses because you can select subjects based on personal preference, interests, and future goals. Creating your own course selection is less restrictive and might be preferable for those who enjoy learning independently. Of course, it’s all up to you when it comes to earning a high school degree online. The Internet has made it possible to achieve your personal academic goals, no matter what your circumstances, so take advantage of it! Choose an educational path that works best for you, and you’ll be happy with the results.



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    Your Home Based Income Opportunity

     

    There are tons of opportunities out there when it comes to starting a home based business. First of all, you don’t have to limit yourself to conventional businesses. This is good because it means that you won’t feel constrained by the standards of what businesses should do. Instead you get to make the rules, and run things the way you like, as well as providing services and products that you like, that may not be available anywhere else in the world. This is what makes a home based business great for someone that isn’t interested in normal business ventures. The real income opportunity for home based business tends to be with hand made products and informational sites. You’d be surprised at how many people go online looking for a particular piece of furniture or a certain dress, only to find that the one they like was hand made and can’t be reproduced. If you are artsy, you can make quite an income off of selling your products. As far as informational sites go, everyone is always trying to learn something, so if you can put together a site with good information, say a recipe website, tons of people will sign up for a monthly or yearly fee to get new recipes or information from you. One of the best parts of starting a home based company is that you can work whatever hours you want. Especially if you are running an informational site, you only have to update the information once a week or once a month, and the rest of the time you can be doing promotions, but no hard labor. On the other hand, if you are selling products, it is in your best interest to take care of whatever it is that you are selling as soon as you get the order, but that still doesn’t mean that you have to work an eight hour work day. Overall, the opportunities available for home based businesses are vast. The only thing it takes to get started is finding something that interests you that you think other people are also interested in. If no one else is interested in what you have to sell then you won’t get anywhere, but if you find something that a lot of people will want, then you’ve got the best opportunity right before your eyes. The most popular home based businesses are the ones that sell everyday items, and information that is pertinent to a specific group of people. For the former, this means that you can market to tons of people because you are selling something that everyone uses. For the second, you will be able to make a list of specific places to market and you won’t have to waste time trying to sell information about plumbing to people that will never use the information. Both tactics are very effective, you just need to know how to use the opportunities you already have.



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    Get Dad Involved In Breastfeeding

     

    Many fathers feel excluded from parenting their children during the first initial stages of life. This feeling of exclusion and helplessness is exacerbated by mother breastfeeding her baby. So, can a father get more involved when it comes to feeding his baby? The answer is, yes. The number one thing a dad can do to get involved is to support mom. At times, both parents will feel very tired when caring for the newborn infant, the mother especially. This is why it’s so important for the dad to support mom. So, exactly how does dad provide support? The most obvious thing to do is chores: preparing meals, cleaning house, laundry etc. He can also directly help take care of the baby by changing its diaper, bathing and burbing. But the most important thing he can do is to provide emotional support. To listen to what his partner is saying and to let her know how pleased he is with her as a mother. A new mother needs support at this time of life more than at any other time. A dad can also get involved with feeding his child, even though mom is breastfeeding. A mother can express her milk and store it for later use. The baby can then be fed mom’s milk with a bottle at a later time. No reason why dad can’t do this. In fact it can be a real benefit to the mother during those nighttime feeds as she can stay in bed and catch up on some sleep while dad does the feeding. Breastfeeding can be a ‘selfish’ activity for a mother. A lot of women who breastfeed, cherish the intimacy between mom and baby. Breastfeeding can be the most intimate experience for a woman; a physical bond between two people where one is nurturing the other in the most fundamental way. So, it’s understandable that some mothers are reluctant to hand over feeding of their baby to someone else, even if it is the baby’s father. But, if the father is feeling somewhat left out of things then perhaps it’s time to let the father bottle feed the baby with the mother’s expressed milk. The level of intimacy they feel toward their baby when feeding surprises most fathers. A be patient with dad. When he first starts to bottle feed his child he is bound to feel a little unsure of how best to do things. Show him how to hold the baby; how to soothe; how to notice signs of when the baby is hungry and when he’s satiated. Soon, with a little gentle instruction, he’ll be feeding baby as good as mom. And, he’ll probably exchange notes with mom on the little improvements the baby is making at feeding time. A couple raising a child need to approach it as a team effort. Sometimes, both mom and dad do things together and sometimes they swap roles. Flexibility is key. When one of the parents is feeling too tired, or fed up to take care of baby, the other can step in, thereby giving the other a rest. This swapping and sharing responsibilities can also include breastfeeding.



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    Digging Up Evidence On Forensic Nursing Degrees

     

    : Nurses have always worked with victims and perpetrators of violent crime, but it wasn't until the early 1990s that the term "forensic nursing" became a widespread description of this work. Forensic nursing combines clinical nursing practice with the law enforcement arena. It involves the investigation and treatment of victims of sexual assault, elder, child and spousal abuse, unexplained or accidental death, trauma and assault. It also involves the investigation of perpetrators of these crimes. Nurses looking for independence and variety in their workplace environment may want to think about becoming a forensic nurse. There are an estimated 7,500 nurses who recurrently fill forensic nursing roles, which includes those who work full time investigating deaths or treating violent offenders at psychiatric facilities. With a continuous rise in crime rates, forensic nursing is quickly becoming a regular part of the American judicial system. Forensic nursing is one of the newest forms of forensic sciences recognized by the American Nurses Association. This relatively new field combines the health care profession with the judicial system. Forensic nurses often testify in courtrooms during criminal cases. A sub specialty of forensic nursing is forensic psychiatric nursing, which can involve providing appropriate psychological counseling and care for crime victims. This is a fascinating career that keeps expanding every year as police work becomes more and more scientifically based. Nurses trained in forensic nursing are required to quickly and correctly collect evidence that can be used in a court of law. Not only do they gather forensic info rmation, they also testify in trials of their jurisdictions. Forensic nurses may also serve as legal nurse consultants or attorneys. The employers of forensic nursing specialists include acute healthcare facilities, correctional institutions, county prosecutors, coroner's offices, medical examiner's offices, insurance companies, and psychiatric facilities. Degree programs are available in forensic nursing. There are online nursing degree programs as well as campus based nursing schools. A nursing degree, however, is not required for entry into this profession. Online nursing degree programs and nursing schools regularly offer various courses in forensic nursing. Certification courses are generally required for forensic pediatric/geriatric nurses, and to be a forensic psychiatric nurse, you are required to have a MS with counseling certification. Not only is forensic nursing an exciting and rewarding career, there is also a growing demand for nurses with these specialized skills. The industry of forensic nursing is only getting more and more attractive to nurses that really want to make a difference in the community around them. Today we are finding out that the more expertise a nurse has in knowing exactly what should be collected, the better the evidence turned over to the detectives will be. And that can help lead to a better outcome in catching the perpetrator. It's an opportunity for them to help victims of violence and helping the perpetrators of violence to get help. To become a nurse, you will need education and a nursing license. Graduates must complete a state approved practical nursing program and pass a licensing examination. An LPN certificate can be accomplished in less than a year. Some RN students become LPNs after finishing their first year of study. Course work in the LPN program includes physiology, chemistry, obstetrics, pediatrics nutrition, biology, anatomy, first aid and nursing classes. Becoming an LPN is the fastest path to a nursing career. If you have the qualities required to be a nurse and want a well paying job, getting an LPN degree in nursing is a great way to secure your professional future. Compare all online nursing degrees



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    Parental Control You

     

    With all the talk about the technology available for parental control, the experts all agree that parental control starts with the parent. We examine what the parent can do to keep their kids out of trouble. There is a lot of talk going around about all the different ways that you can keep your kid from wandering into chat rooms, viewing adult sites, watching R rated TV programs and just about everything else that you want to keep your kid from. But studies show that the best parental control to keep your kids out of trouble is you. This may not be very popular with parents who feel they don't have the time or shouldn't have to watch over their kids 24/7, but in the old days, that's how things were done. True, we didn't have the Internet, we didn't have cable TV with all its nudity and violence and we didn't have pornography just a click away, but kids were still kids and there were plenty of ways for them to get into trouble. And the principals that applied then apply now as well. The experts in this area recommend the following simple things to keep your kids from getting into things that you just don't want them to get into. Again, these are experts' views and not necessarily the views of this writer. We're only reporting what the professionals say. For TV it's still the same as it was years ago. For starters, kids don't get their own TV in their rooms. They want to watch something, they come into the living room or recreation room or wherever the TV is located and watch there with the rest of the family. Then, whatever it is your kid is watching, you as the parent make sure you monitor the program. If you're concerned with your kid turning on a pay station then simply don't have them in the house. We need to set examples for our kids. We can't do that if we're spending our time watching sex and violence ourselves. Also, make sure you have designated viewing times. Most adult oriented material is shown after prime time begins. You may want to cut off the time your child can watch TV at around 10 PM. Earlier if your child is very young. As for the Internet, this becomes a bit more of a problem because sex and violence are there 24/7. In the case of the Internet though it's really no different from the TV. No computer access in the child's room. The child uses the same computer as everyone else in the house, preferably in an open area where a parent can easily see what the child is viewing. Make your child aware of what is out there and tell him so he understands that he's to go nowhere near these sites. Explain to him that it is very easy to check if he has been to a racist or porn site and the punishment for doing so will be severe. Again, you need to set an example for your child. If you're going to know whether or not he has been to these sites, which you can easily check with your computer's history, then you as the parent have to make sure that you are also nowhere near them. Many may find the experts' advice on this matter harsh and unreasonable, but they all unanimously agree that the problem with kids doing what they're not supposed to do starts at home. It's the way it always was and it's the way it will always be.



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    The Ironies Of Working From Home

     

    Approximately ten months ago I was sitting in a hospital room having been rushed to the hospital with chest pains. I knew I had to do something different for a living. While I was out of work on short term disability I discovered I could make a living working from home so I began a website. My goals were to make enough money to continue my modest lifestyle and possibility afford things to help me relax, like vacations, an occasional massage, etc… Well, I have been living off my websites since February 28th of this year. Now I have the time, freedom, and the money to do everything I wanted to but the ironic part about it, I don’t need any of those things now. My level of stress is nothing compared to what it was working for a major corporation. A vacation is always something I could use but I don’t really need a massage. When you work for the big company you need more vacation time, you need ways to relieve stress, you need to find ways to spend more time with the family, etc… My friend, who has 2 kids, has been working 12 14 hour days for the last couple of months. He works for Fidelity Investments. I don’t know why he has been so busy lately but he has seen his daughter 15 minutes in the last 3 days. His other daughter has been in the hospital since she was born in March. (I am writing this in June) He can’t even find time to see his daughter that is home, never mind the one in the hospital. I never wanted to live like that and hearing his stories gives me motivation to continue developing my online business. What a lot of people do not realize is that they could do it too. You do not need a business degree to start an online business. You do not need to have thousands and thousands of dollars to finance the start up. You can start your own work from home business for little to no money. I know, it seems too good to be true. It is beginning to sound a lot like a “get rich quick scheme” isn’t it? Well, it is not. I am not going to promise you that you will make $100,000 in your first month, or some other ridiculous number I have come across. I am not even going to push a specific program on you. All I am doing is telling you it is possible. So, how do you do it, right? You can either begin a website designed around some affiliate programs. An affiliate program is simply a relationship between you, the affiliate, and a merchant, the retailer. You promote their website or product at your cost and if a sale is made by clicking through your site you receive a commission. If a program is legitimate it is free to join. So, technically, you can begin your online business of affiliate marketing for whatever it costs for web hosting. If you chose to do more to promote the site you can but it is not required. In other words, you can control whatever you spend on your new online business. If you are not technical and do not feel you can run a website, which of course you can, but you are good with numbers you can become a FOREX trader. FOREX is the largest investment market in the world. It consists of trading foreign currencies for profit. You can do this with a computer and not need to depend on other things like you would with a website. You are in complete control of your future. You can start a FOREX account for as little as $200 $300. Regardless of what you chose to do for your online business the same rule applies. The more you put into it the more you get out. If you are a workaholic but would rather do the work for yourself now instead of a billion dollar corporation you will most likely make a lot more money. If you just want to make enough to cover the bills and would want to spend more time with the family you can get by with 1 2 hours a day. Take it from me, just 3 months after I began my website I was home full time caring for my little girl. Take control of your life before you look back at your retirement party and realize you missed it.



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    Escape The Humiliation Of A Credit Check With No Credit Check Loans

     

    Much to the chagrin of borrowers with a bad credit, any loan is sanctioned only after the lenders conduct a thorough check on the borrower’s financial antecedents and his credit history. The borrowers with a poor credit find the process of credit check quite humiliating and they detest it because it shrinks their chances of getting a good loan offer. The idea of a loan without any credit check comforts them very much. But, it is a risky proposition for lenders, because they have to lend their money without having any background knowledge about the person’s creditworthiness. No credit check loans can be of two types secured and unsecured. Secured no credit check loans take the home or any other property owned by the borrower as the collateral. The loan amounts in case of secured no credit check loans are proportionate to the value of the collateral. Secured no credit loans provide a large sum and have lower interest rates. The typical APR’s for a secured no credit check loan range from 8% to 20%. The repayment terms can also go up to 20 years in the case of secured no credit check loans. The unsecured no credit check loan do not use any collateral. This type of loan does not pose any risk on the home or any other property owned by the borrower. It is also available to those who do not own any home and live as tenants. Unsecured no credit check loan appears as a risky investment for the lenders. So they charge higher rates of interest on such loans. The typical APR varies from 16% to 30% and the loan amounts are also very small, usually below Ј1000. Unsecured no credit check loans have to be repaid within a few weeks. The repayment of this loan coincides with the salary or paycheck dates. No credit check loans can be used for any purpose by the borrowers. They can use it for any home improvement plan, for financing a car, funding a much needed weekend vacation or for that morale boosting cosmetic surgery. In fact, good lenders do not impose any restrictive preconditions on the usage of the loan amount. In the absence of a credit check option the lenders look at other avenues to ensure the viability of the borrower. Lenders ask for proofs of employment and duration of the employment before giving any no credit check loan. By enumerating a minimum salary limit on the borrowers, lenders make sure that they are dealing with people who are financially stable to a certain extent. The salary of a borrower is a deciding factor for judging the amount of loan in the case of unsecured no credit check loan. To get a good deal on no credit check loans a borrower must search for the right offers. In this IT enabled world it is very easy, because a borrower can get quotes and compare APR’s and other loan parameters at the click of a button. Almost every lending and financial institution has a website and a toll free number. A fast response is guaranteed if a borrower applies online, with all the relevant details. Of course, the loan on offer is a no credit check loan, but if the repayment schedule is followed faithfully and the loan is cleared within the stipulated time frame, it can boost a borrower’s credit ratings. This can take a borrower out of the quagmire of bad credit and help him establish a positive credit history.



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    Beg Borrow Or Steal Make That Mortgage Payment

     

    One of the most common things I hear when a prospective client contacts us for a mortgage refinance is "I just missed a mortgage payment and I want to refinance before it's too late". When I ask them about their credit, most of them reply "Oh I pay everything on time, I just got behind this one month on the mortgage". It breaks my heart to tell them that in many cases, it already is too late. The reason is simple if you really think about it: If your home is your biggest investment, your greatest potential asset and your largest current liability, there is nothing more important than showing that you are able to make the payment on it every month. If you are in a cash crunch, you're better off missing or underpaying almost any other payment, such as a credit card bill, even your utility bill, instead of missing or even delaying your mortgage payment, because missing one mortgage payment can cost you tens of thousands of dollars over the years. When you miss a mortgage payment, your credit score may not go down dramatically. But your mortgage credit quality will take a serious beating, and you'll carry it around for years. When you start out with a mortgage, regardless of what your FICO credit score is, you are rated an "A", meaning you make your mortgage payments on time. If you miss a payment, and even if you're just late enough to qualify as 30 days late, the lateness is recorded and you will become an "A " or a "B". Just one mortgage lateness can keep you out of the refinance market for up to two years by automatically locking you out of the lowest payment programs such as Option ARMs or low rate fixed mortgages, and you can forget about stated income programs, you will now have to prove where every penny comes from and you'll need more of them too. If it sounds a bit like high school, it is, but this time its for keeps. Keep missing or delaying payments, and you'll quickly see your mortgage quality decline to a "C" or "D", which could prevent you from refinancing entirely by eliminating your eligibility from even standard rate programs. I have seen customers who started out at 6% wind up at 10% or more solely because they chose making payments on cars or credit cards over making their mortgage payment on time. This hurts the most when you refinance or are ready to buy a new house, because you are usually borrowing more money than you were previously, either to pay off bills or make home improvements, or because you're getting a bigger house. So not only are you moving to a higher balance, but your now derogatory mortgage credit will force you into a high rate. If you need the cash to pay off bills and improve your credit urgently, or to purchase a home in a new area because you are relocating for work, you can wind up in a horrible Catch 22, very often disqualified for financing entirely, or with financing so unaffordable that you would rather not. So what can you do about this? If you do better with automatic payments, sign up for direct debit payment with your lender, or arrange for your bank to automatically pay your mortgage every month on a specific date which far enough ahead of the due dates for your other bills that you won't be tempted to pay something else. The day after payday is a great day to do it. And the date should be far enough ahead of your due date that the bill is paid and posted on time. It might hurt that first month, but it will even out once you get used to the new schedule. And if you are even thinking that you might miss a mortgage payment, call up a loan officer, and not one who works for your current lender, and get refinanced today. Not only will this put a little extra cash in your pocket and help you pay off your other bills, but it will usually allow you to go a few extra weeks without making another payment out of pocket. In fact, for qualified borrowers, we even have Zero Payment & Zero Interest for 90 Day loans which are perfect for people who are at risk of missing their next payment. Because there are no payments for up to 90 days, this is a very popular product amongst our customers. Option ARMs and Fixed Rate Option ARMs (Hybrids) are also excellent products for people who are having trouble making ends meet temporarily, but expect to get back on their feet within a few month sor a few years, respectively. Loans generally take 15 days to close, so you really need to think ahead a little bit, which is hard for all of us. But instead of freezing up, or scrambling around looking for money, call up an experienced professional and get out of that jam before you get into trouble. You're better off dealing with the issue in the present instead of regretting the past. And no matter what, make sure you satisfy your mortgage payment obligation. Everything else on your credit report can be repaired, negotiated, but not your mortgage lates. Don't wind up in a situation like many of my callers are in, ready to dance but too late to the party, plan ahead and as always, protect your financial future today!



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    Writing Copy That Sells What S The Big Secret

     

    When someone buys a product, what they actually are buying is the benefit of owning that product. A woman buys a gift to celebrate a birthday or express a thank you... but deep down she wishes to be generous, thoughtful and remembered. A man buys a new set of golf clubs – his old set might be a bit worn out, true... but he's really hoping this new set will knock strokes off his game and improve his prestige at the clubhouse. Writing copy that sells is all about showcasing these benefits to the potential buyer. It can be a product or a service what sells is the excellent benefits they bring. It's the benefits that motivate and persuade the reader that your product will make his or her life easier or better. To put it another way, there are hundreds of gifts and golf clubs out there. Why buy yours? The buyer's inner decisions will determine the sales outcome, after all. As a copywriter, your mission is to develop a relationship with the reader, understand his problems, and then solve those problems with your product. Lead him to choose you! Here's a look at some key points to writing great sales copy, all focused around selling the benefits of your product or service: Use Attention Grabbing Headlines. They say headlines pull in 80% of the orders if done correctly. Your "hook" headline is the most important piece of copy on your page. Make it irresistible. Good, effective headlines get your readers' attention and draw them into your sales copy. Now you're on your way to a sale. Write Copy That Answers The Age Old Question: "What's In It For Me?" Explain the features of your product or service only in a secondary light. Features are product centered. Benefits are people centered and solve problems! It is easier to sell a solution to a problem than it is to sell the same feature that hundreds of other products have. Simply put, your copywriting should highlight these problems, and then offer your product or service as the best solution. Establish Trust. Show Them You're Real. Rapport is so important! Part of what will lead your readers through your copywriting is the one on one relationship you develop with them. This is especially true in web site copywriting. Write about your product or service from the standpoint of a friendly expert. Study the product information and history until you know it well. Present the information in an entertaining, clear and concise way. People want to do business with an expert. Keep your writing as simple as you can, too. Never lose your readers in the details. Understand Your Audience! Who is your target market? What do they need? How old are they? What brought them to read your sales copy? This kind of information will make a great impact in how you write your copy. It is impossible to sell to everyone, so narrow your copywriting down to focus on your real target market. This one tip alone will reshape how you write your sales copy. When you understand and write for targeted readers, the return will be remarkable. Because you'll know who they are and what they need, you will be practicing all of the above techniques by default: You will be able to write targeted headlines that will grab your readers You will be able to show your readers what is in it for exactly them You will establish rapport with your readers Writing copy that sells simply focuses on good, old fashioned human behavior! We all want benefits in life. Write about them. Copyright 2006 Trish Andrews



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    Why Players Buy Ddo Gold Platinum

     

    From time after time, many publishers still does not approve of players selling DDO plat but of course many players will continue to buy DDO platinum as long as they are available. It has not even been more than 2 weeks since its release date and sellers have already been flooding the market with all the D&D gold on nearly every server. So you must all be wondering where all this gold is coming from and how it’s affecting the game play? Well, for start, there was a long beta period. With all that time many players have spent hours and hours perfecting the fastest way for them to farm DDO gold. Along with that, they have probably made several characters for trials, finding the fastest ways to level up to 50(currently the maximum level allowed). This is a very profitable market for Chinese players. They can easily run this service for Americans and make a great deal of Yuan. Normally in any MMORPG, if you’re rich and have all the gold you need then you can more than likely buy all the gears & skill points necessary to help you level and make you the most powerful player possible. Well, guess again. In DDO there is a restriction to the items you may use, if you’re low level you cannot wear certain items above what you currently are. I’ve heard it takes approximately 2 months for an average player to hit 50. If you decide to purchase DDO gold, I believe you may be able to hit 50 faster than the average. For the unfortunate players who didn’t make that purchase, they will probably be left behind. Many players find this market to be rather unfair. However many players does not have the time to devote 8 hours of their day into gaming and would like to be just equally as strong as those who spend more time playing. Fact is, even if you have all the items you need, what makes a player good is still their skills they have in “microing” their own character. Along with that, a lot of the players would rather skip through the boring leveling process, especially if it’s very repetitive. It is pretty hard these days to be 1 of the top players with out buying DnD gold from stores or other players.



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