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    8.3 of 10 on the basis of 1471 Review.
     

     

     

     

     

     

         
     
    Effective Time Management Ten Top Tips

     

    Have you ever thought to yourself that there aren’t enough hours in the day, or felt overwhelmed at the tasks facing you? If you have, this article can help you! • Clarify your goals and strategy. Be very clear about your aims and ambitions, both short and long term. Write them down. Once you know what you really want to achieve (and why) it’s easier to make decisions about what needs doing, and to plan accordingly. • Focus on your top priorities. You’ll be more productive and profitable if you identify and. focus on the areas most important to your business. Work on the fundamentals first. The Latin word ‘fundamentum’ means foundation – so take action, build strong foundations and the rest should follow. • Schedule time. Literally write an appointment in your work planner (you do have one of those, don’t you?) to set aside a realistic block of time for your priority actions. This reduces anxiety over not having enough time and keeps you focused. • Say no! Consider Jim Rohn’s suggestion. “Learn how to say no. Don't let your mouth overload your back.” Always check your schedule before committing to anything new. Don’t allow others to divert you from your objectives. • Create supportive systems. This includes systems for filing, management information and communication. • Take a reality check. Will your current activity have a positive outcome, or are you doing it to avoid something else? Ask yourself – will doing this take me towards my goal? As Peter F Drucker observed “There is nothing so useless as doing efficiently that which should not be done at all.” • Delegate! It’s tempting to do something yourself when you think you can do it faster and better. But consider the long term – delegation now will save time in the future, and if done appropriately can motivate your staff, boost their confidence and help them develop their skills. • Repeat your success. Remember the last time you went away on holiday, and how you got so much done in those few days before you left? What strategies and techniques did you employ that made you so effective and focused? Can you repeat them? Alternatively, imagine you are going away tomorrow and work through today accordingly. • Balance your life. Formally schedule personal activities too, so you make time for family, friends, your health and fun because having a balanced life reduces stress and increases energy levels. Time management is really about life management! • End the day. At the end of the working day, tidy your desk, make notes about what needs doing tomorrow and prioritise those tasks. You’ll worry less that evening and be prepared and focused the next morning. And a final thought. “Don’t say you don’t have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michelangelo, Mother Teresa, Leonardo da Vinci, Thomas Jefferson and Albert Einstein.”



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    Multimedia Online Advertising Promotion And Sales Strategy

     

    Multimedia specializes in web site marketing, advertising, promotions, and designs web sites that are both "user" friendly and "search engine" friendly. free advertising and web site promotion with traffic marketing and online advertising. A variety of programs are available to fit your marketing needs including: advertising, promotional options, content integration, permission based e mail marketing and market research/polling services. An experienced support network for insider information on advertising, promotion and marketing. Get answers to virtually anything about advertising, promotion and marketing, and other areas of promotional value. In small firms, the owner or chief executive officer might assume all advertising, promotions, marketing, sales, and public relations responsibilities. Computer skills are vital because marketing, product promotion, and advertising on the Internet are increasingly common. Persons interested in becoming advertising, marketing, promotions, public relations, and sales managers should be mature, creative, highly motivated, resistant to stress, flexible, and decisive. Marketing managers work with advertising and promotion managers to promote the firm's products and services and to attract potential users. Most advertising, marketing, promotions, public relations, and sales management positions are filled by promoting experienced staff or related professional personnel. In particular, employers will seek those who have the computer skills to conduct advertising, marketing, promotions, public relations, and sales activities on the Internet. Our marketing solutions range from consulting on marketing and advertising promotions right to customer care solutions. Collegiate Concepts Advertising specialties and promotional products with custom logos or marketing text, includes compete product catalog, best selling items, and testimonials. Objectives To assess the effects of tobacco advertising and promotion on nonsmoking adolescents' future smoking behaviour. Authors' conclusions Longitudinal studies consistently suggest that exposure to tobacco advertising and promotion is associated with the likelihood that adolescents will start to smoke. There are no trials of the impact of tobacco advertising and promotional activities on people taking up smoking. The Act bans advertising and promotion (including sponsorship) of tobacco products, with certain limited exceptions. The treaty obliges Party States to undertake a comprehensive ban on tobacco advertising, promotion and sponsorship, as far as their constitutions permit. Internal tobacco company documents confirm that young people are a primary target of advertising and promotional campaigns . The Association has repeatedly urged the Government to legislate for a comprehensive ban on all forms of tobacco advertising and promotion. These data add up to a strong circumstantial case that tobacco industry advertising and promotional activity encourages adolescents to smoke. This decline was associated with an almost exponential increase in tobacco industry expenditure on advertising and promotion of cigarettes. There is considerable evidence that tobacco industry advertising and promotion are one of the major influences on the uptake of smoking by the young. The settlements bar the use of cartoons in advertising, promotion, packaging or labeling of tobacco products. For details on web design and promotion, advertising rates, or speakers' services ... Median annual earnings of advertising and promotions managers in May 2004 in the advertising and related services industry were $89,570. Our other promotional services include safe opt in targeted email and newsletter advertising, targeted banner promotions, and package deals. Online promotion and internet utilities: art, arts, artist, artists, advertising, promotion, free, submission, tools, services Without frame Online promotion No frame version art, arts, artist, artists, advertising, promotion, free, submission, tools, services Online promotion: art, arts, artist, artists, advertising, promotion, free, submission, tools, services ArT YoU Free advertising for the arts, the artists and the galleries. Generally speaking, advertising is the promotion of goods, services, companies and ideas, usually by an identified sponsor. Site promotion services, both paid and free advertising are included. For example, many managers are former sales representatives, purchasing agents, buyers, or product, advertising, promotions, or public relations specialists. These managers direct promotion programs that combine advertising with purchase incentives to increase sales. Tips Make sure that your advertising and promotion tactics support your sales tactics. a part of your online advertising, promotion and sales strategy. There is sure to be a Go Northwest! Sales Promotion Sales promotion tend to be thought of as being all promotions apart from advertising, personal selling, and public relations. advertising internet online. com/advertising promotion/



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    A Wedding Band The Ultimate Symbol Of Love Devotion

     

    A wedding band is a ring made of precious metal, worn on the ring finger to symbolize marriage. A wedding band is indicative of the fidelity of the spouse. It is usually worn on the left ring finger. It was a Greek belief that the vein in the left ring finger goes directly to the heart. The vein was called vena amori. However modern medicine has proven the belief incorrect. The custom of wearing a wedding band is European and has now spread widely across the world. However in Eastern Europe and some parts of Western Europe like the Netherlands, Spain, and Germany the wedding band is worn on the right hand ring finger. Some people wear wedding bands over the neck on a chain. Traditionally the wedding band is worn nearer to the base of the ring finger than the engagement band. Most of the times on the engagement band the spouse’s name is engraved after marriage and the engagement band changes status to become the wedding band. In traditional marriages it is the duty of the best man to take care of the wedding bands and produce them at the time of the ring giving and receiving ceremony. Often the ring bearer (usually a young boy related to the bride or groom) carries the wedding bands on special cushions or pillows. The ring symbolizes the couple’s love for each other. Making overtures to a man or woman wearing a ring is frowned upon in society. The rings of men and women are little bit different in design. The bands of men are usually broader than the wedding bands of women. The usual thickness of the bands range from 2 mm to 10 mm. Generally more women wear wedding bands than men. Some people due to their occupations like police men, soldiers, electricians, actors etc do not generally wear wedding bands. There are thousands of designs of wedding bands available in the market. Generally they are made of precious metals like gold (white gold & yellow gold), titanium, platinum, tungsten carbide, gun metal, stainless steel, nickel etc. Poisonous or corroding metals like aluminum, silver and brass are never used. However as per customs wedding bands can be made of any material. The designs available are domed bands, milgrain bands, two tone bands, flat bands, fancy bands, diamond bands, designer bands, engraved bands, knife edge bands, brushed center bands, plain flat bands, Celtic bands, Irish bands, antique designs, etc. Usually the wedding bands for couples are sold in pairs with matching designs. Sometimes the names of spouses are engraved on the wedding bands. The most common pattern is a plain gold band. It is easier to clean it and gives an elegant look. Wedding bands are available in attractive designs, studded with gems, with bright polish etc. The gems are available in many shapes like round, marquise, heart, emerald, trillion, multi cut, pear, princess, oval etc. In France and French speaking countries generally the wedding bands are made of three interwoven rings. They represent love, faith and hope. The price of wedding bands range from below $50 to millions of dollars depending upon the type of band and gem.



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    How To Turn The Dream Into A Reality

     

    The first step is to understand that in order to achieve success you must take action. Inertia is the most common reason for lack of success! What is your dream? Your goals for the future? What do you want to achieve in your life in the next week? month? year? 5 years? What would you like people to remember you for after you have left this world? Think big challenge yourself. Reach for the stars! Be clear about where you are now. Audit your strengths and areas for development What needs to be done to eliminate the gap between your dream and the reality? Prioritize – Look for quick wins, consider those things which will have maximum long term impact. Build solid foundations, think of sustainability! Set challenging but realistic targets. Aim high. Communicate your vision, and keep doing so. Ensure that all stake holders understand and subscribe to the same vision. Who do you need to involve? How will you ensure they sign up to and stay committed to the vision? Think about the language you use – sound positive, if others think you are confident it can be achieved they will gain confidence too. Develop a “Can do” mentality within your staff. For every problem there is a solution, encourage others to see themselves as problem solvers not problem givers. Create clear lines of communication which operate at every level and in all directions. Break each priority down into small achievable steps, involve your team. Who needs to do what – by when? Set a timetable Identify the roles and responsibilities for all staff; ensure that staff take ownership without creating a “jobs worth” approach. Ensure that people are appropriately trained and that training is constantly updated. Build in the monitoring and review process from the start so you can evaluate performance and be prepared to adjust as necessary. (By creating a culture of development rather than blame huge potential will be released.) Celebrate success! and remember to thank people for their contribution, give credit where it due and be generous with it. Develop professional honesty within your staff, constructive feed back can be invaluable. Finally leave your ego behind as it will simply get in the way of your success.



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    Compare Personal Loans

     

    With so many loans and loan companies on the market to choose from it makes sense to compare personal loans. You have a number of options available to you form our leading lenders and your choice will depend on whether or not you are a homeowner, your circumstances and loan preferences. When you compare personal loans which are secured to those which are not, there are a number of important differences. Secured loans require the borrower to provide the lender with collateral or security to back the loan, and this will be their home or property. Unsecured loans do not have this requirement. Because the lending company is taking a relatively low risk with your home acting as insurance against your failure to repay the loan, interest rates on secured loans are lower than for unsecured loans. It is wise to make sure that you can afford the repayments on a loan before you commit to an agreement as you will be placing your home at risk of repossession if you fail to repay the debt. Even in the case of unsecured loans, lenders have been known to act aggressively in order to protect their investment and will take defaulters to court if necessary. Apart from the differences in interest rate and risk you’ll find that when you compare personal loans which are secured and unsecured, secured loans are approved faster than unsecured loans but will take longer to be processed. This means that you will wait a little longer for your money to come available with a secured loan but it will be well worth the wait when you are ultimately saving money on the interest rate. Personal loans are available for various amounts and repayment terms and are repayable on a monthly basis. You will be charged interest by the lender and this is known as the APR or Annual Percentage Rate. When you compare personal loans, looking at the APRs is a good indication of just how competitive they are. Lending companies advertise typical interest rates but these are merely indication rates of what you are likely to be offered. The interest rate you are given is determined taking a number of factors into consideration, including the amount you are borrowing, the length of time you will take to pay back the loan and your personal circumstances and credit history. You will also notice that lenders refer to fixed and variable interest rates. If you compare personal loans with a fixed rate to loans with a variable rate there is one major difference. A fixed rate means that the amount of your monthly repayment is fixed for the entire term of the loan which makes it easier to budget as you know exactly how much you’ll be paying each month. With a variable rate your monthly repayments could go up and down along with fluctuations in the bank base rate. This gives you the flexibility to save money if the interest rate drops but your loan could also end up costing you more if the rate goes up. A further consideration when you compare personal loans is to check the redemption penalty policy of the lending company. Some companies charge up to two months interest if you pay your debt in full earlier than agreed at the outset. If you think that you may want the option of settling your debt before the due date than it may be worth your while taking a loan with a slightly higher APR but with no redemption penalty.



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    Home Theaters Give You An Escape From Reality

     

    There's nothing quite so satisfying as being able to immerse yourself in total darkness before seeing a crystal clear studio logo pop onto the big screen while a blast of 5.1 digital surround sound overtakes your senses and rumbles beneath you. You are experiencing the rush of watching a movie in a theater. But not just any theater, it's your home theater. That’s right. No one kicking the seat behind you, throwing candy at your head or talking on the phone during the best scenes; if they do you can kick them out yourself! In many ways the home theater experience far surpasses the big screens of movie theater chains. Not only the annoyances listed previously, but there’s also the factors of cost and convenience. With the price of a movie ticket running somewhere around $10, plus the cost of snacks, you could easily afford your own home theater just by skipping those evenings out for a year or two. Depending on how expensive your tastes are possibly even sooner than that. And there's no need to wait for the 7 o'clock showing or stand in line; you can start, stop and schedule your movie showings whenever it's convenient for you. As true home theater enthusiasts we'd been designing our perfect escape since before we bought our house. We were just looking for the perfect house to fit our dreams. We found it a few years ago and proceeded to design our dream theater with gusto. We had most of our cinema equipment (just needing a few finishing touches like the 5.1 digital surround and more monster cables) so we dug into planning everything from seating arrangement and style, to carpet color and decor, to the large hinged wall with secret escape route (doesn't every kid want one?) By doing most of it ourselves we saved thousands of dollars but it also took about a year to "finish." Well, it's finished enough for us to enjoy, we are always working on the little touches here and there. Many people hire professionals to design and build their theater's, which saves a lot of time (but not always money.) After a long hard day at work, or an evening of frustrating parenting, the need to escape reality can become overwhelming. Being able to drop ourselves into complete darkness and seclusion and then immerse ourselves in a full senses banquet of sights and sounds from Hollywood we can quickly forget our own headaches and get wrapped up in the big screen. Those two hours are sanity savers without ever needing to leave the house (or get candy thrown at our heads).



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    Habits You Need To Stop For Better Skincare

     

    Most people have the idea that having clear and healthy skin costs a fortune. But, this is a misleading concept used for marketing skin care products and treatments. You may use the most expensive skin care products money can buy, but these can't guarantee a blemish free and clear complexion. Why? Because skincare does not start with the products you use or the skin treatments you undergo. Skin care depends on your habits and their effects on your skin. Below are some habits you can do without to achieve better skin: Dehydrating your skin You can slather on jars after jars of moisturizers on your face but these won't do any difference on your skin if it is dehydrated internally. The most it can do is give you an oily sheen and some zits. Not drinking at least eight glasses of water daily can dehydrate your skin and make it lose necessary moisture. Lack of moisture can make your skin lose its elasticity and suppleness. This can lead to a condition known as “elderly itch.” With this condition, your skin becomes rough and dry, hence, making it itch. This can lead to premature aging of the skin which can give it a leathery appearance. Washing your skin excessively Ideally, your skin should only be washed at least once or twice a day. Washing your skin more than twice daily strips it off the necessary oils needed to maintain surface moisture. Aside from stripping your skin off its natural oils, overwashing can lead to irritation, dryness, and skin conditions like eczema. Foregoing sun protection Your moisturizer container may proclaim that is has SPF 15 but this is not reason enough to forego applying sunscreen or sunblock. For total protection, your skin needs at least SPF 30, more if you are going out between 10am to 4pm when the sun's rays are at their strongest. Even if the day is cloudy, make it a point to wear sun protection since UV rays can penetrate clouds. Overexposure to the sun, can cause skin discoloration, sunburns, dryness, and other skin conditions. Use sunscreen on your face, lips, and other exposed body parts. Additional sun protection like hats, sunglasses, and umbrellas can also be used. Touching your skin frequently Your facial skin is very sensitive compared to the skin on the rest of your body. Touching it frequently such as by picking, rubbing, or scratching can irritate it and cause breakouts. Your hands also come into contact with a lot of surfaces and can transfer bacteria on your skin which can lead to cystic acne. Facial skin is also delicate since it is prone to sagging and wrinkling when touched frequently. Using the wrong products Just because a product worked well on another person, it does not mean that it will work great for you too. Choosing an inappropriate product for your skin type can worsen your skin's condition. For example, using an oil based product for oily skin will make it oilier and prone to more breakouts. These are just some habits that can damage your skin. To prevent your skin from aging prematurely or breaking out, be sure to improve your skin care habits. Good skin care habits coupled with the skin care products can make your skin healthier and better.



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    Who Should Buy A Loft Bed

     

    Loft beds are great for individuals of all ages, especially those people short on space. Instead of choosing uncomfortable pull out sofas or chairs that turn into beds or the space saving but awkward Murphy bed, consider choosing a loft bed instead. Allowing you to retain a proper sleeping space while keeping your sacred floor space, loft beds are excellent choices for individuals of all ages in all living spaces. For the most part, loft beds are quite inexpensive and are worth their weight in gold when you see the amount of space saved by these great beds. Individuals of all ages should buy a loft bed, from toddlers entering their first bed to young adults entering the real world. Kids love loft beds because of the sheer novelty. The sleeping space is elevated, like in a bunk bed, but there is space below instead of a bed which he or she may use only when friends come over to visit. If you are choosing a loft bed for older children, consider avoiding lofts that are a great distance off the ground. Many manufacturers are including kid sized loft beds that combine a play space with a sleeping space in a fantastic theme that will tickle the child’s minds and imaginations. Teens are including loft beds into their rooms more and more these days, especially since a teen’s room is much more than a sleeping space. Decorating sources like Pottery Barn Teen frequently have loft beds in their catalogues. These beds allow space below for desks, couches, or anything else that is a must for a teen’s bedroom. Since loft beds are generally associated with college dorm rooms, teens enjoy having a more grown up option in their bedroom instead of a typical bed that takes up the majority of the floor space. Again, college students are known for having raw wood two by fours crafted into loft beds to maximize space in tiny dorm rooms. In addition to losing floor space, students are thrown into a room with a roommate, so having a loft bed will eliminate problems associated with roommates sitting or laying on your bed. Furthermore, most dorm rooms do not have enough space for desks, so consider enlisting a loft to allow space for these absolute necessities. College graduates soon find the lodging in the real world is greatly comparable to dorm rooms. First apartments are notoriously small, so consider bringing the loft bed concept to your bedroom to (again) maximize space. The lofts commercially produced are generally a great deal more sophisticated than the phone number laden lofts of higher education. Whether you choose a sleek modern loft or one with the frills and soft colors of a feminine favorite shabby chic, the loft bed will allow you to create your own statement by squeezing every last square inch out of your room.



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    Get A Credit Card With A Low Interest Rate

     

    Before you choose a credit card it would be wise to first find out the interest rates offered by all the credit card companies and banks. While you compare credit card companies and banks, take note of the ones with low interest rates and offer the best benefits. Don’t miss the fine print as that is where the most important information is usually given. Fine prints almost always specify the conditions applied on using their service. It is generally a wise decision to go with a credit card that has a low interest rate. A low interest rate would almost always mean that using the credit wouldn’t eat up your savings. One of the strategies of many banks and credit card companies to attract members is to offer an introductory low interest rate then hike up the rate after a certain period. It is therefore advisable to inquire how long the initial low interest rate would last. To switch to them, some credit card companies and banks would waive fees if you transfer balances to them from your old card. The fees asked by banks for transfers are actually interest rates in disguise. Make sure that a low fee, which is equivalent to a low interest rate, is charged to you when transferring or you could end paying much more than you actually have to for clearing your debt. One thing you could do is pay for balance transfers through pre printed checks. Your best option is to transfer balances to over the phone by calling up the customer service line of the bank or company. Doing such would cost a lot less or nothing at all and because you chose a card with a low interest rate you know your expenses would be lower the next time. It is al important for you to know that incentives such as short term low interest rate will eventually rise even without due warning from your bank or credit card company. You could always ask the bank or company to give you a low interest rate provided that you have a decent credit history with the company or bank. If they refuse to give you a low interest rate then you can always switch to a service that offers you a better deal. Remember to use your credit card wisely. Keep a tab on your expenses while using this card, ensure your dues are cleared regularly and ensure that the low interest rate remain low.



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    Things To Look For When Purchasing A Home

     

    There are many things to watch for when buying a new home. Often, home buyers find themselves overwhelmed by the process of buying a home and overlook many of the telltale signs that a home might not be all they think it is. It will always be good practice to go over the negative aspects of any given home, in detail, before making an offer. Many of the following things should be found during a proper home inspection, however it is a good idea as the buyer to familiarize yourself with certain things and to discuss them with your Realtor and the inspector. 1. Damp Basements A damp feeling in a basement can suggest water seepage, either from improperly graded soil, or a bad foundation. This can lead to many problems further down the road when considering renovations or remodeling. This can also lead to problems with mold and the deterioration of the standing foundations. Moisture can also weaken the foundations leading to expensive repairs in the future. This is also a health concern as the presence of mold has been linked to several respiratory conditions and ailments. 2. Cracks in the Foundation Always inspect the interior and exterior of the foundation for cracks and stress marks. Visible cracks can mean several things; excessive settling of the house, the fact that the house may have been built on an improperly graded site, or in an area that is prone to earth movement. Cracks can also allow small insects access to the interior of the home. Ants and termites can cause no end of costly problems in a home. There are many different types of foundation imperfection and the causes of these are quite varied. If there is any evidence of an imperfection in the foundation, have the entire foundation checked by a professional. 3. Odor The presence of unappealing odors can mean many things in a home, the most common of these is mold. Biological problems like mold can be difficult to repair as it usually means an extensive amount of work to correct them. Ripping out walls is the most common "fix" for mold as it can be trying to find the source. Visible mold can be killed with bleach, but usually the problem runs far deeper than the surface. A professional inspector should identify any mold problems upon the necessary inspection and relate these to the realtor or home buyer. 4. Poorly Ventilated or Damp Attic This is another factor that can cause large amounts of mold and dry rot to develop in a home. Check the interior of the roof if it is accessible. Is it wet? If so, there is a problem. This means there is insufficient ventilation and/or a leak in the roof itself. The interior of a roof should be bone dry, year round. This could also be a result of fans from the kitchen or bathroom that vent into the attic and the attic is not properly set up to accommodate the moisture that this generates. 5. Discoloration The discoloration of portions of the walls or ceiling is a good indicator of leaks and seepage. This could indicate a problem with leaking roofs or plumbing pipes. This can be an extremely expensive problem to fix as it usually involves cutting into the walls and/or ceilings. Leaks such as this can also cause a fire hazard as they may interfere with the existing wiring. Be mindful of fresh paint as this is a common way to cover up spots that show water damage. 6. Electrical Work One of the largest causes of electrical fires in homes is D. I.Y. Electrical work. Check the connections on fixtures and anything that appears to be added post construction. Electrical work should never be done by an unqualified individual. For instance, check the main electrical panel, does it look unorganized and sloppy? This is one indication that the home's electrical work may have been done by a non certified individual. Haphazard wiring can lead to costly repairs and is a definite danger to the homes and residents. 7. The Property Itself The Property itself can contain many oft overlooked problems. In particular the landscaping of the property can affect the home itself and particularly the foundations. Is the property sloped away from the house? The high point of the property should always be the house itself. This assists in drainage and presents water problems. If the land slopes downward towards the home, chances are there will be issues with water and seepage.



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    Sailing In St Thomas

     

    Sailing in St. Thomas When selecting a vacation destination, many individuals and families select a destination that offers them excitement and relaxation, all at once. If this is what you are looking for out of your vacation, then a St. Thomas vacation may be just for you. St. Thomas is located in the Caribbean. As one of the Virgin Islands, St. Thomas is known as one of the “hottest,” vacation destinations in the world. If you have never had the pleasure of vacationing in St. Thomas before, you may be wondering what awaits you there. In St. Thomas, there are an unlimited number of services and activities that you may find exciting. One of those activities is sailing. The ocean waters surrounding St. Thomas are ideal for sailing. Beginners and even the most experienced sailors can enjoy sailing in the St. Thomas area. Since most individuals vacationing in St. Thomas fly into the area, you will have to find boat rentals. When renting a sail boat, it is likely that you will have a number of different options. Sail boats come in all different shapes, sizes, styles, and designs. Before planning an independent sail off the coast of St. Thomas, you may need to take a number of important factors into consideration. One of these factors is your level of sailing experience. Many of the individuals and companies that provide boat rentals require that you have the appropriate level of sailing experience. You may be required to take sail boat for a test drive or you may need to show documents that show you are licensed to operate a sail boat. Many individuals and companies do this to protect their investments. To make arrangement to rent a sail boat, it is advised that you make your reservations ahead of time. Sailing is a popular vacation pastime in St. Thomas. To guarantee that you are able to have access to an available boat, you will want to make your boat rental reservations well in advance. You can easily learn of boat rentals that can be found in or around the St. Thomas area by requesting a St. Thomas vacation packet. Your local travel agent may also be able to offer you assistance. While sailing is an activity that is enjoyed by many, most individuals are unable to operate a sail boat. Just because you do not know how to operate a sail boat, does not mean that you cannot vacation on the waters surrounding St. Thomas. Throughout the area, you should be able to find multiple companies that offer guided sail boat rentals. In addition to paying for the boat rental, you will be provided with an experienced sailor who can take you on voyage that you will forever remember. Sailing on the water surrounding St. Thomas is an exciting experience all on its own, but that is not the only thing you can do while on the water. While sailing on the water, you may be surprised with what you will find and see. A sail boat is a great way to vacation on the water, but sightsee as well. Scuba diving and snorkeling are also fun activities that can be combined with sailing. If you are with an experienced sailor who also is a trained scuba diver, you may be able to enjoy these two amazing activities all at once. When you are searching for sail boat rentals, you may want to consider what the resort you plan on staying at has to offer. If you are vacationing at an all inclusive St. Thomas resort, you may find that you are able to receive free sail boat tours. These free rides are not offered in all vacation packages, but may be able to save a large amount of money if they are. Whether you plan on sailing yourself or you are using the services of an experienced sailor, you will be sure to enjoy your time on the water. Activities found on the St. Thomas Island are not limited. You can easily find an number of activities, many of which will be what your heart desires. PPPPP Word Count 682



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    More Credit Score Changes Looming

     

    Back in June FICO announced they would be rolling out a new formula for calculating their credit score used by all three major reporting services. This updated product would no longer consider an authorized user account as a valid card holder and any credit information about the authorized user would be dropped. This seemingly minor change is expected to affect over 30 million US cardholders, inducing a small to moderate drop in their credit scores. Now Capital One has announced they will start, for the first time, reporting the credit limits of their card holder accounts. But how does this affect you? This recent policy change by Capital One may alter the credit scores of some cardholders. Since FICO bases around 30% of their score on credit to debt ratio, having accurate credit limit data available will make their scoring product more accurate. The real impact though will be mostly unknown until the changes are made and have had a chance to work through the FICO system and roll out to the credit reporting agencies. Currently only Capital One and American Express withhold credit limit information when reporting account data to FICO. The effect of these policies is widely disputed. Some argue that not having the credit limit amount available causes FICO to arbitrarily assign the outstanding balance as the credit limit. This would cause all AMEX and Capital One account holders to appear as though there cards were always "Maxed Out" or at their limits, a condition likely to severely harm one's credit score. They also believe that when Capital One starts reporting the credit limits, their account holders will enjoy a miraculous increase in their FICO score and consequential reduction in interest charges. This writer believes otherwise. Fair Isaac Corporation (FICO) has been in the business of evaluating consumer credit worthiness for over 50 years and employs nearly 3000 people. FICO credit information is used by 99 of the top 100 US banks to base the decisions of billions of dollars each year. The method for determining a FICO score is not a clear cut, simple formula. It is a large, dynamic algorithm that FICO stakes their reputation and future on. It is also adaptive, predictive and a closely guarded trade secret. I, personally, am convinced that FICO handles Capital One and American Express data correctly and estimates an accurate credit limit. This is further substantiated by the fact that American Express customers do not suffer undue harm by the AMEX policy of not reporting limits. In fact, having an AMEX card can be a major boost to your credit score. Let’s look at just one small example of how a credit limit can be estimated. Suppose four months ago you used your Capital One card to purchase a new 60” plasma TV for $3000 dollars. FICO would see this transaction and apply a credit limit of at least $3000 to your account. The actual limit would probably be some percentage higher based on the likelihood that you did not max the card out. This limit would remain on the account, maybe fluctuating with your general credit score and current financial situation. Do not forget that FICO has access to a very large amount of data over a very long period of time. When the smoke clears from this latest reporting change, the scores of most Capital One customers will likely remain about the same. Some will go up a little and some will drop slightly. Perhaps a more interesting discovery will be to see just how well FICO has been doing in estimating the credit limits of these two companies account holders.



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