No Credit? Here Are Easy Ways You Can Build Credit

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

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

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

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

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

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

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

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

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

Copyright (c) 2006 Liz Roberts

Buying Shoes Online – Help and Advice For When Purchasing Shoes Online

A few years ago, if you were looking to purchase a new pair of shoes, you went off to a department or shoe store; Looked around, tried a few pairs on and took your purchase home that day. These days, more and more people are deciding not to go into town, and buying their shoes online. Now, I believe this is partly because we've become more busy, but mostly because we now have access to brands, designers, styles and sizes that are not available to purchase in our local shoe stores. If you feel the need for a women's size 14, extra-narrow (or wide), red pump with a 3 inch high heel, chances are, you'll find it at one of many online shoe stores.

However, not all online shoe stores are the same. So i have put together some advice, and things to look out for when buying shoes online.

1) Post and packaging Charges: The Added Cost when Buying Shoes Online.

Always find out what the P & P charges are before spending lots of time adding items to cart or shopping bag. You may think you're getting a bargain on all those shoes, but if P & P cost is too high, you may end up paying more than anticipated. Especially when ordering from a country other than the one you live in. Lots of online shoe shops offer free P & P, which is great! But do some price comparisons before you purchase. Sometimes, you'll get a better deal at an online shoe shop that charges a reasonable price for P & P, and still save EKK.

2) Returns / Exchanges – Know the Policies in Advance.

Another major factor in buying shoes online, is being able to return or exchange them if there's something wrong with them, they do not fit, or just are not the way you thought they would be. Most online shoe stores will have a returns policy, but DO NOT take it for granted. Make sure before putting in those card details, that you'll be able to return the unused shoes for any reason.

Ok, if you're taking a chance on a heavily discounted pair of shoes, then you may decide to buy without a return policy. But you still need to know what your rights for that sale are before buying.

Also, find out in advance if you'll have to pay the return postal fees, if you do decide to send the shoes back.

3) Want your Shoes quick? Check delivery Times. If its an absolute must that you have a certain pair of shoes by "xx" date, I strictly advise buying them in person at an actual shoe shop. Or ordering them well in advance, and that there are other options available if your shoes do not arrive in time.

I AM NOT saying that online shoes do not post out in a timely fashion! In fact, I have purchased many pairs of shoes online, and they have all arrived in record time, but why take any chances?

Again, find out the delivery policy of the online shoe shop you're buying from, and make sure the shoes are buying are actually in stock! If they are backordered, this could add weeks till you get them.

~ Summery ~ As long as you buy from reputable online shoe stores and pay extra attention to the info above, buying online is an excellent way to save time and money; and to give yourself the biggest choice when buying shoes online.

Article Branding is an Integral Technique to the Success of Your Product – Are You Doing it Right?

What does article branding do? It turns a common product into a unique and exciting buying opportunity. There are a number of things that branding builds upon: value, image, utility, quality and service. You must be prepared for an ever changing moody market that might drop you for something new and hot, Branding will help you overcome this, and set you up for sustainability.

Methods which are the keys to effective branding are as follows:

Your brands total value. This is the sum of all your branding. You want to optimize all branding techniques for as few advertising and research dollars as possible, which makes article marketing a great choice as it costs very little compared to other forms of branding.

Your product has to stand out. Differentiate your product. This is very important! How is it different and better than your competitors? Why do this? You want your product to stand-out in peoples memory. Some brilliant product Key stones can help here, like this pizza ad: “delivered hot to your door in 30 minutes or get it free” . People remember this because it becomes a challenge. And they become emotionally involved in the product.

Customer relationship: the customer must have confidence in the quality of your product, which in their eyes is far better than your competitors. They will feel that nothing can truly compete with the features of your product.

Article branding is perfect choice to do all of the above. If the market likes what it see in a brand, there is know doubt that it will lead to increased sales and will allow you to brand a second cup to sell to your customers.

But beware once you have branded your product, it is almost impossible to change this. So do it right, or you will go bankrupt.

This is where the power of the Internet and article branding comes into power: problem, how will the market respond to a brand? This is not an exact science. This will involve market research and doing this online is almost instantaneous, as you can test the waters by writing a few articles to see how people react to your branding, or post at the forums to see what their reactions might be.

First thing you have to know is what are your company’s goals? Your branding should be lined up with those goals. My tip: if you want to succeed at article branding go to the professionals in this field:

Six Awesome Motorcycle Parts to Soup Up Your Hog

Ask any biker: your motorcycle is not only a high-powered vehicle built to create awesome experiences, but also an expression of your personality.

Even though machines come off the lot stacked with great features, there’s always room for modifications. Working on your bike is just one more fun part of ownership, while adding and subtracting components lets you to create the look, feel, and riding experience you desire. Let’s look at some super-cool motorcycle parts you might consider adding or altering to perfect your bike.

1. Frame Sliders and Engine Guards

Frame sliders are very simple add-ons that prevent your frame from touching the ground, in the event that your vehicle tips over. These metal components create a short cushion between ground and bike, preventing impact to your frame. Similarly, engine guards are steel bars that fit over the cycle’s engine to protect it if the craft keels over. Both of these are easy to install, and give you some cheap insurance against frustrating damages.

2. Fender Eliminator Kit

Most bikes come with bulky, unattractive rear fenders. It’s not a surprise, then, that fender eliminators are one of the most common alterations riders make. Look for a good eliminator kit that works with your rear brake light and gives your vehicle a sleeker appearance.

3. Exhaust System

You feel the need for speed, but do you also feel the need for… noise? Many riders are excited about the powerful sound of their engines, and adding an exhaust system gives you control over that sound’s character and intensity. Though this isn’t the cheapest of motorcycle parts, it adds some power to your engine and is usually easy to install. With so many systems that create unique sounds, you have control over how you announce yourself to the streets.

4. Air Filter

The air filter is the exhaust system’s partner in crime. If you opt for a new exhaust system, you’ll need a filter that can handle it. Air filters heighten performance by keeping the engine clean and aerated. Well-maintained filters can last for tens of thousands of miles, so it’s smart to invest in a good one.

5. Custom Suspension

Suspension is much different for motorcycles than it is for cars. A biker’s weight is much higher in comparison to his or her vehicle’s weight. When you buy a bike, have the suspension adjusted precisely to handle your weight. Very few riders do this, but it makes for optimal handling and performance once you hit the road.

6. High-Performance Tires

Tires are crucial motorcycle parts. Good ones allow you to ride on a wider range of surfaces, while also optimizing handling and fuel efficiency. The tires included with new bikes are functional, but basic. Look for tough, high-performance tires that are built for the kinds of surfaces you plan to encounter – it will make a big difference in the feel of each ride.

Working on your bike can be just as fun as riding it. With these motorcycle parts and modifications, you can transform a good machine into a great one.