Thursday, February 5, 2009

Remove Late Payments from Your Credit Report

By Matt Douglas

Late payments are not created equal; a 90 day and 120 day late pay will cause your score to be dramatically lowered. However with a 30 day or 60 day late pay it will cause very minimal damage to your score.

You can remove a 30 and 60 day late pay from your report by contacting the lender and asking them to erase it. Frequently they will do this in order to keep you as a customer and in their good graces.

We suggest a phone call and sending them a written letter with a brief explanation as to what happened. Additionally it will go a long way if you are polite and respectful during your communications.

A 90 or 120 day mark is much harder to erase. If you account is still open, we suggest you contact the lender.

Make sure your account is up to date before you ask them to remove the mark. Lenders will often make this decision based upon your payment history.

If the lender is not willing to remove the mark we suggest that you dispute it with the bureaus. You can do this be writing a dispute letter and sending it to each bureau or you can hire a service to do this for you.

This mark will stay on your report for a maximum of seven years. Additionally your account will go to collections after 180 days or six months of delinquency.

The lender can remove a late pay from your report because they report regularly to the bureaus. All they have to do is not report the late payment the next time they report to the bureaus, typically monthly.

You will find it very difficult to have the lender erase this mark if your account is not up to date. Additionally there is information that claims negative items on your credit must stay there for seven years.

This is false, seven years is the maximum amount of time most negative items can remain on your report. The Fair Credit Reporting Act passed by Congress made this law. There is no minimum amount of time a negative item has to be on your report.

In sum the first step is contacting the lender, if you still have the account, and then if that is unsuccessful dispute it directly with the bureaus. - 15790

About the Author:

Natural Cure For Heartburn Problems

By William Lagadyn

Heartburn is the most common symptom of gastric diseases. People usually experience heartburn at least once in a week. A rare heartburn in common, but there are people who experience heartburn frequently. Heartburn is the common symptom of gastro esophageal reflux disease (GERD). Other symptoms include but are not limited to chest pain and sour taste of mouth.

If one is experiencing heartburn regularly he or she should consult the doctor immediately and take proper treatment. As this problem may result in some serious problems which also include some dangerous diseases like ulcer or cancer.

However there are some natural remedies or cure available for heartburn problems which are been carried on from generation to generations and still staying at par than other effective remedy. The most important thing is what you intake and how much you intake as indigestion is considered to be the cause of heartburn.

This scheduled diet always helps the patient to keep the digestion effective without any Sid effects. Foods are drinks usually trigger heartburn problems. Citrus fruits; Chocolate; Peppermint; Spearmint; Tomatoes; Raw onions are few examples of food stuffs which create heartburn.

Fennel Tea is the one of the natural cure for heartburn. Fennel seeds are easily available in the market or can also be ordered online. Fennel seeds are dropped in boiling water, which is the most popular remedy carried on from centuries to centuries. Smoking is not only injurious to health but also a great cause for heartburn. Nicotine is an ingredient in cigarettes that weakens the lower esophageal sphincter, a band of muscle at the end of the esophagus that closes off the esophagus and prevents the acidic stomach contents from entering the esophagus.

Peppermint is also a traditionally used natural cure for heartburn, gas and indigestion. After a big meal, gas building up in your stomach can cause cramping. But, menthol relaxes the valve between the stomach and the esophagus, allowing trapped gas to escape upward as a welcome, pressure-relieving burp

Prevention is better than cure and hence the point to be noted that there is no specific cure for heartburn. Regular workouts, meditation and proper diet help in reducing the symptoms. The juice from the aloe Vera plant is another natural home remedy that is used to soothe an irritated esophagus. Patients suffering from heartburn should check the ingredients while taking herbs to prevent allergies through any of the ingredient. - 15790

About the Author:

A crisis with an opportunity

By Masami Sato

How we should react when economy slows down.

When the financial market is in chaos all across the world, people consider clinging on to whatever they have and also reduce expenses. And they think that everybody does so, mainly because newspapers proclaim as such.

Everyone ISN`T acting that way of course. In fact, some people and some businesses thrive no matter where the economy is going. And when you look for why that is, you find that the answer often lies in a simple place where most people have never even looked. Let's explore together.

Whenever there is a downward trend, whatever it is, the best way to overcome it is by rising higher than it. If we drift with the wind and go where it takes us, we might find ourselves in dire straits, waiting for the wind's mercy for deliverance.

The fact is that when we know our strength and can hold sway over ourselves, we can rise above the mundane and not worry about what is going on all around. Let us visualise it properly.

'Go-getters' or 'Go-contributors'

Imagine a scenario where we want to have more - better profits, a higher salary, more leave, better liberty, and wider chances.

When we want something, the first thing we tend to do is to go and get it. So, we call ourselves 'Go-getters'. And being a 'go-getter' is, let's face it, a sign of leadership, activism and an early-adopter mindset. This is of course one of the keys to the success formulae we often read about. But there is a problem. It turns out that when we use this 'strategy', there are some unexpected (but quite predictable) consequences.

The gist of the matter is that after 'getting' and 'possessing' it we tend to 'get rid of' it. We might actually jettison it or might become apathetic to the whole idea.

Then our interest swings to something else. This continuous swaying of interest is the biggest issue; the widening interests becoming a never-ending circle of desires so that we are never satisfied with what we have. It becomes a sort of junk food dependency!

But what if we turned our 'getting' into giving?

You might be conscious that the act of contributing produces a unique pleasure. This arises from gratification and not from alarm or self-indulgence. One can go on contributing and get so much in return like a most rewarding expedition.

Our generous and giving attitude creates generous and giving customers and team members while our price consciousness and 'getting attitude' attracts precisely those types of customers and team members. And they're the very ones we don't want!

Creative capitalism

Most ventures are today aware of the inspiring role of capitalism. They are ever ready to contribute more through many avenues. The idea has strongly impacted the business world as they realise how giving is central to business interests. A typical example is Bill Gates, who expounded the philosophy of 'Creative Capitalism' in July 2008 in a TIME magazine article.

He explained that helping others might be the fine deciding point that could persuade people to prefer one product to another.

The gist of what Bill Gates is saying is that when an enterprise is associated with the idea of providing in any manner, that enterprise and its products become more appealing to clients. It carves out a niche for itself far above that of others.

Creative Capitalism is concerned about reaching higher than what we might reconcile for to arrive at where we hoped to arrive. When we can make the most of our design and inspiration in a way that assists and fosters the larger community of nations and continents, we are preventing the wastage of supplies, endeavours and capacities to succeed. Then we are crafting the most authentic success for ourselves and for the financial stability of the countries across the world.

The charm of effective giving

The initiative of bigger enterprises to contribute back to the society is known as Corporate Social Responsibility or CSR. It is fast becoming mandatory for large corporations to do so. Still, when it is done for image building or as a mere compulsion, public may eventually realise the truth. Nevertheless, it is a face-saving mechanism.

Business ventures and people who 'donate' become popular. The zeal and sincerity that prods them to act is recognized by the people with whom they interact. This response is on top of what is spun by way of the company's public relation efforts.

What would be the result if part of the amount that is meant for marketing is diverted towards charity?

Giving gives rise to something greater than what we actually are. It has the power to inspire. And true inspiration is possible only when it echoes on the people whom we want to enthuse. And we are enthused only when we put our heart and soul into the procedure. It is simply not sufficient to listen to the interesting tales. One has to become part and parcel of the whole process. Everyone has this inclination to make one's own input - to one's immediate relatives, friends, and to the society at large.

Transaction-based giving makes it happen automatically

The facility for contributing became so much simpler because of a programme (or one can say a 'development') called Buy1GIVE1 (Buy One Give One). Buy1GIVE1 is the heart of transaction-based giving. Transaction-based giving revolutionises things. Let us use our creativity and analyse how.

For example, imagine if every time you had a cup of coffee at your favourite caf, a child in Africa automatically got access to pure, clean water for one day?

Imagine if every time you subscribed to a magazine you love, a tree got planted automatically just because you bought the magazine? Or every time you dine out, you fed a child in need? Automatically again.

Consider the scenario of someone attending a coaching session. It would be commendable if someone who needs similar coaching would get it as a direct consequence (and just at the cost of not more than 60 cents for the day's coaching).

Where a motivational speaker at a conference is connected with a charity, part of his income might go to helping kids who have speech problems due to facial defects. It will be a matter of great satisfaction for the participants at the conference to know that their very participation is helping a deserving cause.

Imagine now if you could apply transaction-based giving in your own unique way to match your main products/services to engage your customers and team members to be part of the giving story. Here's how.

The actual winning economy

Business ventures, on a global basis, have already internalized the efficacy of this transaction-based giving. A case in point is TESCO, one of the foremost supermarket chains of UK. The company's programme ensures that a Kenyan child gets a school uniform when someone buys a pair of school trousers from them.

Mineral Water Company Volvic also rolled out their transaction-based giving program successfully last year. For every 1 litre of Volvic people buy, Volvic gives funds to build wells in Africa in a program they call Buy1 GIVE 10 (since every 1 litre sold essentially creates a flow of 10 litres in the well.

Small to medium sized companies are now starting to take leadership in expanding this global giving movement through Creative Capitalism. Buy1GIVE1 (www.b1g1.com), a Singapore-based Social Enterprise came up with a mechanism that has turned this transaction-based giving into something every one of us can be involved in.

Buy1GIVE1 is the home of the most impactful transaction-based giving in the world because it connects any business of any size to any cause in the world. It's creating a global community of business givers and for SME`s, Buy1GIVE1 connects businesses, their customers AND charities in a way that hasn't been done before. And it all happens automatically.

Any person can become a citizen of this phenomenon of global giving merely by getting a Buy1GIVE1 `VISA` directly off the Buy1GIVE1 site at www.b1g1.com. Those who have their own enterprise can become a B1G1 Business through applying online and selecting the charity and the primary service or product for launching the giving. Buy1GIVE1 forwards the entire contribution amount to their international Worthy Cause Partners (more than 528 projects are available for members to choose from) thereby making their contributions highly productive.

Do you know?

* One half of the world's population -which is about three billion people-does not have a daily income of even two dollars.

* Even in the 21st century, which is the age of the internet, there are about a billion people who have never put a pen to a paper.

* Poverty and malnutrition robs the lives of 20 children every minute, 30,000 every day, and 210,000 children every week, as per UNICEF records.

* A mere 12 percent of the world's population uses 85 percent of its water; and these 12 percent do not live in the Third World.

* Medical aid is not available for one billion people of the world population.

* Rainforests of about 63,000 sq. miles get destroyed every year.

Data From Global Issues

Buy1GIVE1 Businesses-check out these examples

* Buy1BUILD1 (www.sunsplashhomes.com, www.arkgroup.com.au)

* Education to education (www.kipmcgrath.com.au)

* Medical practice providing healthcare (www.primanora.com)

* Phone card to human interaction (www.ultimatecomms.com)

* Meditation to restoration (www.meditate.com.au)

* Weight loss to kids' meals (www.bodychain.com)

* Aesthetic blinds to lights to schools (www.blindscouture.com.au)

* Socks for comfort to feet free of frostbite (www.socksforhappypeople.com)

* Coaching to train social entrepreneurs (www.b1g1forcoaches.com)

* And to get a complete picture, just go to www.b1g1.com.

Unearthing what we are looking for-Nature's eternal secret

So let's come back to where we started-economic turmoil and getting what we want. What we all really want is actually very simple. You can sum it up with 'C' words - connection, collaboration and community.

When we can collaborate instead of isolate and when we can create an effective way to add to each other instead of taking away from each other, we discover there is so much abundance and resource already available in our world. And when we connect, not just with each other but with our true selves, we discover something really interesting-that we're all ONE. Then we understand how easy it is to create a global community from something as simple as giving.

And the truth is there in all its glory in nature.

In the wild, all types of insects cross-fertilize plants to create fruits and flowers of endless varieties benefitting men and animals alike. The perfect give and take pattern was there even before civilizations started.

When a crisis hits the world, we can see an opportunity to get back to the simplicity. It is now actually time to be grateful for what we have in order for us all to keep thriving.

And when a person opts to begin giving today itself, the sense of euphoria would be much more, notwithstanding the economic problems. And with this sense of elation comes a reawakening of hope that will remind him of how the power and direction of tide can easily change. And his giving might be that which brings about this change. - 15790

About the Author:

Discover The Secrets To Managing A Successful AdWords Campaign

By Brian Basch

It is deceivingly easy to embark on an Adwords campaign, but not so easy to run a successful one. In fact you will easily detect the difference between a successful campaign and one that is barely making it. In fact an Adwords campaign that is not working will cost you a lot of money, and prevent you from progressing in your business.

How to prevent huge losses? The answer is straightforward, intense scrutiny and attention to every detail of your Adwords campaign. Initially you will need to do your keyword research and take time to select your keywords. Secondly take extra care when you bid. However the real key to success is remembering to micro-manage your campaigns.

It is quite hard to select the right keywords. You will need to be sure that you have the right mix of broad based keywords and specialized ones. On the one hand they must generate traffic on the other hand they must produce sales. This will prevent you from incurring huge losses.

The good news is that you will find many helpful tools and tutorials at the Google Adwords site. They will help you to select the best keywords for your Adwords campaign. Among other things you will find the best matching keywords, related ones and different varieties.

Many marketers do not know that pay per click marketing is really just like a large auction, with the person placing the highest bid winning the prize. The advertiser, will offer the best price for a keyword and be the highest bidder. In this case the prize is the best position, which will gain the most exposure.

It is common knowledge that searchers have short attention spans. Because of this you will need to create and ad that is simple to read, gets your message across and is in a premier position. If your ad is just one of many in the search results then you will see little or no results. However even if an ad draws a lot of traffic, it can still only bring in useless leads, which makes it equally ineffective. The main idea is to try to maintain a precise balance.

From the very beginning of your advertising campaign you will need to manage it carefully. An important detail to consider is sales conversions, you should be flexible and be able to make changes or delete an ad. It is also good to have software at your site to check which ad is pulling visitors and how many sales are being made. To be successful, always remember to monitor your ads in detail. In this way you will really see profits.

Be sure to manage your campaign carefully, from the very beginning. Especially be aware of sales conversions. Be alert and ready to make changes quickly to avoid later problems. You can also co-ordinate your campaign results with your website tracking software, to check sales and traffic. The way to see real profits is to manage your campaign well. - 15790

About the Author:

Single Member LLC Operating Agreement: Why It is Important

By Amyli McDaniel

Solo owned businesses make up the largest percentage of business in the US. However, when the LLC laws were first passed, some states did not allow for a single owner to get the protections of this legal entity. This did not make sense and so now all states allow a limited liability company to be owned by just one member. Solo owners need protection just as much as others.

Without an entity such as an LLC, the sole proprietor business owner risks everything he owns now and in the future. This is a huge risk to take for anyone especially given the lawsuit crazed society we live in. Accordingly, the single member LLC is now the best liability protection vehicle for the sole owner. It is the cheapest and easiest way for a business owner to get legal asset protection without having to deal with a lot of complexity and costs.

But, in order for the single member LLC to be assured to provide the right asset protection, it should always be run pursuant to the terms of a single member LLC operating agreement. Why is this? It is because the liability layer of a single member LLC is subject to a higher risk of being nullified in a lawsuit.

An LLC is legally a separate person from its owner. So, it is the entity and not the solo owner who is the official provider of the business activity. Often times, a solo entrepreneur will form an LLC and then forget it exists and run the business as if it were a sole proprietorship. It is too easy to do this without other partners to answer to. Lawyers like to challenge this by arguing that a solo owner should be held personally liable because he failed to actually recognize his LLC and use it to run the business. This is contrary to the law but judges sometimes are swayed by this argument.

A smart business owner can take simple but formal steps to make sure that the LLC protection remains in place. One of the most important steps is to prepare and adopt a single member LLC operating agreement for the business. This agreement gives your LLC its own set of rules and processes for running a business. This important formality provides proof to the world and to the judges that you treated the LLC as a separate person and it is the LLC, pursuant to the provisions of the document, that is running your business. You are an agent of the LLC implementing the operational activity.

You see, if you ever run into business problems, it should be made clear that it is your LLC that is responsible for your business. The first think a court will order and lawyers will want to see is the official LLC documents. Second, they will want to know when they were adopted. By having the single member LLC operating agreement in place from the beginning, you will ward off claims. Do this so you do not have to worry about lawyers trying to convince judges that you should be personally liable for business debts. - 15790

About the Author: