Posts Tagged ‘person’
Marketing Messages with Add Zest & Appeal
Boring is one thing you can’t afford to be when it comes to marketing your business. With more than 3000+ marketing messages pummeling consumers on a daily basis, you need to be more, and do more, if you want to be heard above the racket.
Your marketing message is how you communicate with the public; it needs to be appealing and memorable. In order to do that, consider the concept of the meme. A meme is a thought, idea or belief that replicates over time. What that means in terms of your marketing is creating a marketing message that is strong, bold, and exciting so that it stays with the customer and becomes a part of their thinking.
A good example of this is Nike’s “Just Do It”. This phrase is used in a lot of different contexts outside of talking about Nike’s products. People get what it means because it has permeated our culture. Below are some ways that you can avoid being boring by adding extra marketing appeal to your message.
1. Add visuals. There are so many ways to bring attention to your marketing message. One of the best ways is to add something visual. As a picture speaks a thousand words, so too can it communicate all sorts of things about you and your business. What types of pictures or graphics would you use to convey who you are? Adding a picture of yourself on your website or in other marketing materials will help form a stronger connection between you and potential clients.
2. The meaning of colors. Colors hold great meaning when it comes to your marketing message. Yellow elicits high levels of attention. Orange and red indicate quickness. The concepts of money, health, and nurturing are symbolized by green. Black can mean power and strength, but it can also indicate hiding or blending into the background. Purple is the color of royalty and wealth. What types of colors are you drawn to? What meaning do you want to convey to people by the colors you use on your business cards, brochures and even on your website. Too many colors are distracting and look chaotic. Certain colors on colored backgrounds can cause the same reaction. Make sure to work with a professional when selecting colors so you can communicate your business in the best light.
3. Try technology. Adding audio or video to your web site is a great way to allow someone to get to know you better. Adding real audio recordings of your classes, an interview, or even a welcome message gives someone an opportunity to hear your voice. Because technology is so low priced and easy to use nowadays, you might even consider adding a short video as well. Again, it will help to develop a rapport with your audience. One thing to keep in mind is that while technology is great and exciting and can do wonderful things for us, not everyone has the bandwidth to enjoy it fully. Over 50% of consumers are still using dial-up computer access which limits their ability to enjoy both real audio and video to its fullest.
4. Creative business cards. One great way to stand out from the crowd is to develop a creative business card. Add your picture to it or a professionally designed graphic. Use a brochure type card, which allows you 4 different surfaces to print contact information as well as information about what you do. You can include quotations, a mini-brochure about your company, or even some helpful tips or a short quiz. Think about the use of colors and type of fonts, which also can add excitement and pizzazz.
5. Action. When people see or read about action, they often feel empowered to take action themselves. Employing motion on your website is another way to add appeal to your marketing message. You can have text that changes colors on its own, or graphics that move. You might even have a marquee. One thing to keep in mind is that motion can also quickly drive people away from your site as it can be considered obnoxious and childish. Talk to a web professional before using these techniques. You can also imply action by the types of words you use in your web copy.
6. Target your audience. A quality-marketing message speaks directly to its target audience. Who is your target audience? Is it moms, singles, seniors, solo-professionals? The words you use to communicate with a mom are quite different from the words you would use to communicate to a corporate human resources manager or to a medical doctor. The words you use must fit your audience. If they don’t, you’ll have an immediate disconnect with people who read your message.
7. What’s in it for me? Fundamental to all marketing messages must be the mantra?”What’s in it for me”? The only reason anyone is even looking at your brochure, viewing your website or reading your business card is to see what they can possibly gain for themselves. People are busy and are inundated with thousands of marketing messages each day. The only ones they will pay attention to are the ones that really speak to their needs. They have problems or issues they want solved and they are looking for solutions. An appealing marketing message is one that speaks to the typical problems faced by your target audience. Communicating how you can solve those problems quickly and cost effectively is critical to attracting new clients.
8. Ask “yes” questions. If you want to capture someone’s attention, ask them questions that they can answer “yes” to. Whether you are asking questions on a website, in a brochure, or during a sales presentation, make sure they are worded in such a way that the respondent will answer “yes” consistently. The word “yes” opens people up to accept more feedback, whereas the word “no” will quickly close them down. Also, create questions that can help the reader or viewer identify with what you’re saying, giving them the sense that you truly do understand their problems or issues.
9. Features and benefits. Don’t just tell people what you do. Instead, relate the features and benefits of what they can experience as a result of doing business with you. A feature is some aspect of the product whereas a benefit is the feeling or result that someone will experience as a result of that feature. For example, a hospital unit might feature some of the latest innovations in new baby care and services. The benefit to the new mother will be the confidence, security, and peace of mind that she and her baby will be cared for in the best ways possible.
10. Be unique. Show how you, your product, or services are unique. Not only will that help people to remember you, it will make you remarkable. The sense of being remarkable is that people will comment about you to others. Word of mouth advertising is some of the best advertising because it costs you nothing and it comes with a testimonial from the person who is telling others about you. Can you relate what you do to someone in history? Or are you the first at doing something or introducing something? Do you use unique ingredients in your products or employ specialized knowledge in the work you do? This type of information will make your marketing message not only interesting and memorable, but remarkable.
© Copyright 2004 by Alicia Smith
Alicia Smith is a Coach and Trainer whose specialty is helping coaches to Make Money Now. This article is derived from just one of the 90 lessons contained in her e-course, 90-Day Marketing Marathon. To learn more about that course and her other products and services, please visit the following sites. (You also can email her at alicia@aliciasmith.com.) http://www.90DayMarketingMarathon.com http://www.discninja.com http://www.InternetAssessments.com
30th Birthday Gift Ideas
Choosing a birthday gift for a friend about to turn thirty years old can be a challenging task. You want to honor the special day with a unique gift, but not necessarily draw attention to their age. After all, thirty is the pivotal year of life when we transition from young adults to full-fledged grownups. Make your loved one feel their best on their big day by choosing a gift that focuses on the beginning of his or her life, not the number of years that have passed.
If you want to give a truly personal gift, you cannot go wrong with a birthstone– a gift idea that dates back to Biblical times. Birthstones and zodiac stones are great gifts that hold deep significance and will be treasured for years. When making your purchase, be sure to keep in mind the type and size of jewelry the person wears most often, as well as whether she prefers gold or silver. This way, you can embed her birthstone, for instance a pearl for a June birthday, in a setting that will be adored. Birthstones are also stunning when mounted in watches, brooches, and hairpins for those who rarely wear rings or necklaces. If you are shopping for a man, he may prefer a pocket watch or specialty ink pen imbedded with his birthstone to jewelry. Following, is a list of birthstones:
- January — Garnet
- February — Light Purple Amethyst
- March — Blue/Green Aquamarine
- April — Diamond
- May — Emerald
- June — Pearl
- July — Ruby
- August — Light Green Peridot
- September — Blue Sapphire
- October — Multi-Color Opal
- November — Golden Topaz
- December — Turquoise or Blue Zircon
Some people have a special interest or belief in their astrological information. If this is the case with your friend, consider giving him or her a physical symbol of the zodiac and of your love with a zodiac stone gift, sometimes called Astral Stones. As with the birthstone tradition, a gemstone is assigned to each of the twelve zodiac signs. If your friend is a Cancer, for instance, he or she will cherish an emerald and its professed abilities to increase courage and health. When presenting a zodiac stone gift, include a description of the gem’s astrological significance and origins. Following is a list of zodiac stones:
- Aquarius — Garnet
- Pisces — Amethyst, Aquamarine
- Aries — Bloodstone
- Taurus — Sapphire
- Gemini — Agate, Alexandrite
- Cancer — Emerald
- Leo — Onyx, Peridot
- Virgo — Carnelian
- Libra — Opal
- Scorpio — Beryl
- Sagittarius — Topaz
- Capricorn — Ruby
Whether you purchase a birthstone or a zodiac gemstone, you’ll honor your friend’s thirtieth birthday in a distinctive, personal, and memorable way.
About The Author
Siwarin Eampun – Jewelry Designer at www.ninecarat.com
Aerobic Training
How to start your aerobic training program:
Consider first setting your goals for sometime in the future; make sure they are realistic. Start easy, be kind to yourself. Many of us start out joining a gym and telling ourselves that now we will train every day! Six out of ten people going to gyms drop out in the first month. That’s a staggering 60% of the people. The numbers are just as high for those that buy exercise equipment and don’t use it. So you need several ingredients, not necessarily in order of importance, but because you want to be successful in your training.
1. Desire or motivation that is from who you are, not to get something.
2. Energy: This means you need to start thinking about eating better. No matter where you are with nutrition you can always improve (see nutrition for details). You need nutrients as well. Vitamins, power foods, high technology nutrition is available; you just need to make the effort. Without good fuel it’s hard to get the energy to train.
3. Set your goals within yourself and make them realistic. Remember, there is no cause and effect so you can’t cause health; you can only live it.
4. Make the time, create a loose schedule with alternatives, if need be.
5. Stick to it. Remember, consistency is more important than intensity.
6. Understand the basics of bio-mechanics, even for walking (posture, the muscles, the stretching, the meditation and imagery) to get the most from your efforts.
7. If you are in a family or a relationship, you need support and encouragement, not grief for leaving them alone so often. Get them to start with you (that’s really tough sometimes). It’s always easier if your partner is doing a similar program with you.
8. If you smoke, start making an effort to cut down, if that’s really what you want to do. If not, it will not make a huge difference so much as your attitude towards it will. Use coltsfoot, an herb you can buy in health food stores and smoke it. It will cleanse your lungs, and help you to get off tobacco. You will find the desire will slowly fade away as you get healthier. We don’t need to harp about it. JUST DO IT! QUIT.
9. If you eat more than a plate at a sitting, just start eating less, and limit snacks to fruit.
10. Maybe it’s some of the food you eat. Cut down on fats, sugar, liquor, canned food, and packaged food full of hidden fats and sugars. I’m sure you already know the stuff that doesn’t really help your body.
11. Eat more of the good stuff: fruits, vegetables, nuts, seeds, whole foods, grains, etc.
12. Drink more water, read more books, and have more fun in your life. Why not?
Of course there is more, but this would be a great start. Remember that when you work holistically you have a better chance at success. You will be working on several levels of health at the same time.
A few days you make it, then you miss one, and eventually another. I know, and I’m a professional trainer, it happens to me. Life is always changing, that’s the beauty of it. That does not mean we give up; just go with the flow. Set some realistic goals, and know that you will miss some days. Make it up again, and don’t beat yourself up about it.
The majority of people drop out of their health programs primarily because it is very hard to get motivated. There are a few myths about motivation for working out — that knowledge will do it, or maybe we feel guilty because we are overweight — but the key is if you don’t have the energy none of that will matter. It’s really about metabolism. Once you get older if you don’t exercise, your own body will start to think you don’t need the hormones and energy. Basically, it starts to shut down. When you do exercise, it’s hard and your body feels like it’s really stressed. It’s not very pleasant, in fact, it hurts many times when you start to train.
To really increase the energy level and have your body and brain work with you, you need to take the nutrients to get your body working again. The food you eat needs to be better quality with more servings of natural fruits and vegetables. If you are eating junky food there is no way your body will be able to have more energy.
You need to consider antioxidants, vitamins, and some form of growth hormone like DHEA or Deer antler extract which is natural (IGF1 which is a pre-curser to HGH). Take care with Human Growth Hormon always consult your doctor. I personally don’t recomend HGH, because if you take it your body stops producing it, there are alternatives. You can’t take very much of this as it turns to testosterone and so you need to consult a doctor for medical advice. (see my web page for more information about this along with other nutrients). Most doctors don’t recommend very high doses of either of these nutrients, so get professional advice. A small amount can do wonders for the human body. These nutrients increase metabolism, build muscle, and help the body to become anabolic (for building and repair of tissue). This is important: to not be catabolic (destructive down cycle) any longer. If you can use these health products, they are the best.
The research necessary to take the vitamin and nutrient business to its highest level is being done with these products. Your success in a fitness program is dependent on your nutrition program.
The minimum goal for an aerobic activity is five times a week for over thirty minutes each session, and even up to sixty minutes if you are only going to walk. Five times a week, not three times as we have heard. That doesn’t mean it has to be all running or all walking. You can play tennis, golf, and walk briskly, or take a nice walk with the family. Families that train together, stay together. Play ball with the kids, for this to be effective and considered an aerobic activity, you need to do it over a half hour and get your heart rate up about 60 to 70% of your max. By then you start to burn some fat. As you increase this ability to burn some fat your brain says “Hey! This person is active. Let’s improve the metabolism.”
As you exercise you also decrease your appetite so you eat less. This is when your body will start to create more hormones, endorphins, and pain-reducing substances called antefolins, which will help you to feel better. Remember, you have to get over the hump before you feel good from exercise. Then weight is not a big problem and you will slowly and naturally level off to your natural weight. This all helps to reduce your stress as well as helping you to feel more successful and some enhanced self- esteem. Balancing your body this way also helps reduce the risk of heart disease as well as diabetes. It helps you create more of HDL, which is the good cholesterol, and reduces the LDL & VLDL, the bad cholesterol.
A moderate exercise program always helps you sleep better. It enhances the digestion and the lymphatic systems (the cleanser of the body tissues). All this helps your body to work at the ultimate level. Remember, this is going to take time. Diets or any fast way will not last. We know now that when you diet or change anything too drastically your body goes into shock. Then the next time you eat, it holds on to it. You gain all the weight back, your body just needs to know you are not a couch patato.
So it’s best to not focus on the weight. When your body is operating at its optimal level, you will be at your correct weight eventually. It all depends on your body type, anyway. You could still be heavy and be incredibly fit and healthy. Isn’t that the purpose of all this?
A sample schedule for the beginner fitness enthusiast: Note you can replace walk for run- if you have been a runner, if not don’t start running unless you are prepared to find all your sore, and injured places coming to the surface.
Day One.
Take an easy twenty-minute walk at a nice brisk pace. (Walk ten minutes from your starting point and turn around.) Find a nice place to walk, away from lots of cars. If your neighborhood is good place well, great. If not, take the extra time to drive to a park, beach, pasture or the country. No sense huffing and puffing more carbon monoxide. (Living in Los Angeles is like smoking ten cigarettes every hour. Cherniscki). You need to be able to keep up a conversation. If you are in oxygen debt you won’t burn calories as well so take it easy at first. Upon returning, spend about ten or fifteen minutes stretching.
Consistency is more important than intensity. If you don’t do it regularly the brain thinks “well, this body doesn’t need much energy so we can store all these extra calories in the thighs or butt.” But if you start with some regular activity, just everyday stuff can contribute the message to the brain saying “hey we need more energy.” The brain begins to think this body is active and needs to increase the metabolism. Every two hours do something for at least ten minutes is another technique. Then your brain will take you to a higher metabolic level. As you increase your exercise program you will have more byproducts called free radicals. This is more reason for us to work with nutrition as well, because you need to increase the antioxidants to keep the body healthy from the free radicals.
Day Two
Just stretch for ten to fifteen minutes. If you are near water, maybe swim for ten to fifteen minutes. Or do a more easy walk if you are sore.
Day Three
Walk briskly for twenty-five minutes. Stretch for fifteen, or if you have it down, it could only take ten minutes to get a good stretch.
Day Four
Swim and stretch for at least twenty minutes and ten, respectively.
Day Five
You might miss one. . .Or walk maybe longer and easy or hard depending on how you feel.
Day Six
Walk a good deal faster for thirty minutes. If you feel tight walking, stop after you break into a light sweat and stretch for a few minutes. Regarding the legs and gluteus muscles. Then continue, finishing up with a good ten minute stretch.
Day Seven
If you didn’t miss one day, take an easy walk, swim or stretch, maybe do something with family or friends. If you got sore at all during the week, then rest and just stretch or swim. Note: I like to add crunchies to all my workouts, strengthen the abdominals is a good way to trim the belly.
Continue this program until you can walk thirty minutes without losing your breath at all. This can take two weeks for most people and up to four weeks for others. If it takes you longer, stay with twenty-five minutes for two months, and then move into the next level. If within two weeks your body serves you well, you can proceed with the next level.
We will have an easy day and then a hard day for the rest of the training. If you miss an easy day, don’t worry about it.
Continue on the following day with a brisk walk for thirty minutes. Now we will start to burn some fat. From now on, you workouts should last about forty-five minutes. So give yourself an hour to work it into your daily routine, if you don’t feel like training don’t know that you can do something easy.
As you get stronger, your easy days become more like your hard days when you first started. Walking can increase to five times per week within the first few months, depending on your body. You have to listen to it and pay attention. If you can get the advice from a certified personal trainer, please do. It never hurts to have more information. At this level it’s not as critical as it will be when we start the strengthening program using weights, running or strengthening exercises.
Six to Eight Weeks
Most bodies will start to enjoy working out from here on out. After six or eight weeks, start your strength-training program. Once again, listen to your body. If you don’t feel quite ready at six weeks, take eight. What’s the rush? You have your whole life ahead of you. At this point is when I recommend the use of a certified personal trainer.
You can go in either of two directions with this addition to your program, with various levels of intensity depending on your body and your abilities.
If you are able and willing to run for your particular goals, you may now start to run. Start with easy jogging for twenty minutes every other day, and weight training every other day. Running at this time should be at least three days a week, the same for weight training. There is some evidence, however, that we could get by with two days of weight training (solid whole body sessions) and still do okay. Include one day of rest. The day you rest could be a very easy workout, either stretching, swimming or family fun.
For weight training we need to start just as easy. Many of us think that weight training will build large muscles. We see all these big bodybuilders, and although some of us admire the dedication it takes to build that kind of body, it is not necessarily true that weight training builds large muscles. It all depends on how you train, how much you train, and your age as well as the system of training. We know that by stressing any muscle naturally (exercises) or unnaturally (weights) we work with the law of irritation and adaptability to produce the result we want.
Basically, this means the body will adapt to irritation. Adapting can mean for size of muscle as well as for the functioning of the muscle. Adapting also can mean the heart and lungs adapting to more stress and improving the functioning of this system (aerobic conditioning). The irritation could be considered the stress exerted on the body (heart and lungs) by running or walking more and increasing time and duration. Then we consider strength in the muscles by more and more progressive exertion (making the body work progressively harder). This can be achieved by doing more and more pushups or other exercises. Using weight training for increasing strength, as well as burning more calories, we would have to build by lifting more times and more weight.
There is another way to use weight training to develop strength as well as endurance. This system works on the premise that using progressively more weight builds size and strength. Starting with more weight and then progressively reducing the weight with longer repetitions, we build endurance in the muscle instead of bulk. This is a good way to shape the body without building mass.
It’s widely known now that for older women weight or resistance training is beneficial to stave off osteoporosis.
Please note: This section is not to take the place of medical advice. I recommend that you speak to your doctor before undertaking any kind of exercise program, especially weight training. See a professional; it will be a good investment in your body.
see web pages http://www.molinamassage.com or http://www.betterbacksystems.com
Othon Molina Ph.d. c LMT has been involved in the health field as a manual therapist and personal trainer for over thirty five years. He has studied with some of the top doctors and healers of our times. His specialty is treating sports injuries, back problems, and teaching others how to improve their health or athletic competition using nutrition and fitness technologies.
One of his specialties is Kinesiology. He has been a runner all his life, and competed in many triathlons, 5k’s, 10k’s and marathons. Competing at an elite level gave him the experience to help train others. Recently he coached and worked with the female champion of the German team of triathletes.
Some of his clients include: Bob Hope, Jane Seymor, Essam Kashoggy, Jim Nabors, Tony Robbins, Mark Victor Hansen, Carol Burnett, San Francisco Ballet, Allvin Alley Dance troupe, some of the top Olympic and international elite athletes, team doc and new trainer for the German professional triathletes. He also trains massage teams worldwide, as well as health professionals in Hawaii.
Effective Auction Listings – How To Create Them
Once you’ve created the best possible title for your item, you will move on to writing your auction description. Here, you have more space to give a detailed description of the item you are selling in the body of your auction. While the photo and title are what get a person interested in your auction and bringing them to your listing, it’s your description that is going to have to induce them to actually bid on it.
The sole purpose of your description is to get people to place a bid by presenting them with an honest and factual description of what you are selling.
It has been shown that the chances are high that if a person doesn’t place a bid the first time they view your auction, they won’t come back and place one later. Furthermore, if you can get someone to bid on your auction early, this in itself will attract more possible buyers to your auction. There is an inherent curiosity when searching listings to see why someone has bid on a particular item, so auctions that already have bids stand out from those that don’t. This brings even more potential bidders to your auctions.
When writing your auction description, you want to list every attribute that will make it sound as appealing as possible. However, you must also be careful to be as accurate as possible in your description. Details are extremely important.
The more detailed you can be about what you are selling, the better. Potential bidders want to know as much as possible about something before placing a bid on it.
Even things that may seem obvious should be included. Take a few minutes and ask yourself if you were considering buying the item you’re listing, what details would you want to know about it? Your description should paint a picture of the item in the persons mind. Write your auction description as if your auction didn’t have any photos attached to it.
If there is an imperfection or a flaw with the item, be honest and upfront about it. Ask yourself if you were the buyer and the seller left out the imperfection in the description, how would you feel when you received the item? By making your description as accurate as possible, stressing the attributes, but also giving all the details about any imperfections, you will greatly reduce the chance of having problems when the sale is completed. Your honesty will also quickly gain you a reputation for describing your items accurately.
Your descriptions are also another way of attracting buyers to your auctions. While the main way people search eBay is through the search engine that uses the item titles, they can also refine their search to include words or phrases found in auction descriptions. By writing a thorough longer description, you automatically create more words that in return increase the chances of your auction being included in someone’s search criteria.
If there is a story that goes along with the item, include it. The buyer just has your photos and descriptions to make an informed decision with. The more flavor, detail and warmth you put into your listing, the more likely the person looking at your auction will be to bid on it.
Use adjectives freely and play on any unique attributes the item has. Take the time to create a description that will make the buyer feel completely comfortable with placing a bid if it is something that he or she is interested in.
Also be sure that you include all your after auction information in your description. Don’t leave potential bidders in the dark concerning the shipping cost. List all shipping options and the cost of each. List the types of payments you accept. Include a definite date by which payment must be received. The clearer your instructions, the more comfortable the bidder will be and the less likely you will run into problems at the end of the transaction.
Naturally all the items you sell are going to be the same. However, there will be portions of your description that can remain the same for virtually every product you sell. Once you have created a description you like and seems to get people to bid, save it and make it your template for auctions.
Then simply change words and add extra information where needed. This will not only guarantee that each of your auctions will have a quality description, it will also allow you to list more auctions since you won’t have to write a completely new description for every auction you list.
Gary Hendrickson has been making his living selling on eBay for more than six years. He’s the author of two eBay related ebooks, has a blog for eBay sellers, and is the owner of ColdItems.Com.
Free Credit Reports: From The 3 Major Credit Bureaus!
Get your credit report online for FREE. Many financial advisors suggest that you periodically review your credit report for inaccuracies or omissions.
This could be especially important if you’re considering making a major purchase, such as buying a home. Checking in advance on the accuracy of information in your credit file could speed the credit-granting process, clean credit is a must.
A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the credit bureau`s to provide you with free credit reports, at your request, once every 12 months.
Free Credit Reports, contain information on where you live, how you pay your bills, and whether you’ve been sued, arrested, or filed for bankruptcy. Nationwide credit bureau`s sell the information in your credit report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. There are three nationwide credit reporting companies Equifax, Experian, and Trans Union.
Everyone in the Western states will first be able to order their free credit reports under the federal law beginning December 1, 2004. Consumers in other states will be able to order their copies according to a regional roll-out detailed below.
In recent months, consumers have asked the FTC for more details about their rights under the federal FCRA and the Fair and Accurate Credit Transactions (FACT) Act, which established the free credit reports program. They’ve also asked about credit reports in general. Here are the most frequently asked questions and the answers.
Q: How do I know when I’m eligible to get a free credit report?
A: Soon free credit reports will be phased in during a nine- month period, rolling from the West Coast to the East beginning December 1, 2004. Beginning September 1, 2005, free credit reports will be accessible to all Americans, regardless of where they live.
Everyone in the Western states Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming can order their free credit reports beginning December 1, 2004.
Everyone in the Midwestern states Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota, and Wisconsin can order their free reports beginning March 1, 2005.
Everyone in the Southern states Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, Oklahoma, South Carolina, Tennessee, and Texas can order their free reports beginning June 1, 2005.
Consumers in the Eastern states Connecticut, Delaware, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, Vermont, Virginia, and West Virginia the District of Columbia, Puerto Rico, and all U.S. territories can order their free credit report beginning September 1, 2005.
Q: How do I order my free credit report from the 3 major credit bureau`s?
A: You may order your free credit reports from each of the three nationwide credit bureau`s at the same time, or you can order from only one or two. The law allows you to order one free copy from each of the nationwide credit reporting companies every 12 months.
Q: What information do I have to provide to get my free credit reports?
A: You need to provide your name, address, Social Security number, and date of birth.
If you have moved in the last two years, you may have to provide your previous address.
To maintain the security of your file, each nationwide credit bureau`s may ask you for some information that only you would know, like the amount of your monthly mortgage payment.
Each company may ask you for different information because the information each has in your file may come from different sources. The nationwide credit reporting companies will not send you an email asking for your personal information. If you get an email or see a pop-up ad claiming it’s from any of the three nationwide consumer reporting companies, do not reply or click on any link in the message it’s probably a scam.
Forward any email that claims to be from any of three credit bureau`s to the FTC’s database of deceptive spam at spam@uce.gov. Any of three credit bureau`s also will not call you to ask for your personal information.
Q: Why would I want to get a copy of my free credit reports?
A: You may want to review your free credit reports:
because the information it contains affects whether you can get a loan and how much you will have to pay to borrow money. to make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job. to help guard against identity theft.
That’s when someone uses your personal information like your name, your Social Security number, or your credit card number to commit fraud.
Identity thieves may use your information to open a new credit card account in your name. Then, when they don’t pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job.
Q: How long does it take to get my report after I order it?
A: If you request your free credit reports online, you should be able to access it immediately. If you order your report by mail using the Annual Credit Report Request Form, your request will be processed and mailed to you within 15 days of receipt.
Whether you order your report online, by phone, or by mail, it may take longer to receive your report if the 3 major credit bureau`s needs more information to verify your identity.
There may be times when the major credit bureau`s receive an extraordinary volume of requests for credit reports. If that happens, you may be asked to re-submit your request. Or, you may be told that your report will be mailed to you sometime after 15 days from your request. If either of these events occurs, the 3 major credit bureau`s will let you know.
Q: Are there any other situations where I might be eligible for a free credit report?
A: Under federal law, you’re entitled to a free credit report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action.
The notice will give you the name, address, and phone number of the credit reporting company. You’re also entitled to one free credit report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft.
Otherwise, a credit reporting company may charge you up to $9 for another copy of your report within a 12-month period.
To buy a copy of your report, contact:
Equifax 800-685-1111 www.equifax.com
Experian 888-EXPERIAN (888-397-3742) www.experian.com
Trans Union 800-916-8800 www.transunion.com
Under state law, consumers in Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont already have free access to their credit reports.
Q: Should I order a credit report from each of the 3 major credit bureau`s?
A: It’s up to you. Because the credit bureau`s get their information from different sources, the information in your credit report from one company may not reflect all, or the same, information in your reports from the other two companies. That’s not to say that the information in any of your reports is necessarily inaccurate; it just may be different.
Q: Should I order my reports from all three of the major credit bureau`s at the same time?
A: You may order one, two, or all three free credit reports at the same time, or you may stagger your requests. It’s your choice. Some financial advisors say staggering your requests during a 12-month period may be a good way to keep an eye on the accuracy and completeness of the information in your reports.
Q: What if I find errors either inaccuracies or incomplete information in my credit reports?
A: Under the Fair Credit Reporting Act, both the credit bureau and the information provider (that is, the person, company, or organization that provides information about you to a credit bureau`s) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the Credit Bureau and the information provider.
Tell the credit bureau, in writing, what information you think is inaccurate.
They must investigate the items in question usually within 30 days unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the credit bureau, it must investigate, review the relevant information, and report the results back. If the information provider finds the disputed information is inaccurate, it must notify all three credit bureau`s, so they can correct the information in your file.
When the investigation is complete, the credit bureau must give you the written results and free credit reports if the dispute results in a change. (This free report does not count as your annual free report under the FACT Act.) If an item is changed or deleted, the credit bureau`s cannot put the disputed information back in your file unless the information provider verifies that it is accurate and complete. They also must send you written notice that includes the name, address, and phone number of the information provider.
Tell the creditor or other information provider in writing that you dispute an item. Many providers specify an address for disputes. If the provider reports the item to a credit bureau, it must include a notice of your dispute. And if you are correct that is, if the information is found to be inaccurate the information provider may not report it again.
Q: What can I do if the credit bureau or information provider won’t correct the information I dispute?
A: If an investigation doesn’t resolve your dispute with the credit bureau`s, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the credit reporting company to provide your statement to anyone who received a copy of your report in the recent past.
You can expect to pay a fee for this service.
If you tell the information provider that you dispute an item, a notice of your dispute must be included any time the information provider reports the item to a credit bureau.
Q: How long can a credit bureau report negative information?
A: A credit bureau can report most accurate negative information for seven years and bankruptcy information for 10 years.
There is no time limit on reporting information about criminal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you’ve applied for more than $150,000 worth of credit or life insurance.
Information about a lawsuit or an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer.
Q: Who else can get a copy of my credit report?
A: The Fair Credit Reporting Act specifies who can access your credit report. Creditors, insurers, employers, and other businesses that use the information in your report to evaluate your applications for credit, insurance, employment, or renting a home are among those that have a legal right to access your report.
Q: Can my employer get my credit reports?
A: Your employer can get a copy of your credit report only if you agree. A credit bureau may not provide information about you to your employer, or to a prospective employer, without your written consent.
For More Infomation Visit: http://www.debt-elimination-program-reviews.com They review and then list some of the best debt elimination, programs, software and books available online in 2005!
Slot Machine Cash
Love yourself more and provide little time to win real cash money. If you are not a gambler then do not worry. You don’t need to be real gambler to win real cash money. Here in SlotMachineCash.com, you don’t need to be a real good player to be a real good winner. Every possibility are wide open, every opportunities are available. Browse around in our site and see top rated slot machine casinos. But, do not waste too much time only to scroll down your mouse. Brave yourself; join the person who finds slot machine is one activity that pumps up his adrenalin higher. Online slot machine will give you the experience of enjoyment at the comfort of your sofa. Play it and you will find yourself depositing the funds to the machine, choosing and clicking the appropriate wager and clicking the spin button all over again until you finally hits the jackpot that may reach up to 1 million dollars. No strategy needed, no waiting for the car to be dealt, no need to put a bet or guess a number, no waiting for other players to join you. Bottom line online slot machine is definitely one choice to kill the time you can’t miss.
Valentines Day ? Where Did THAT Come From?
Just as soon as the stores put away their Christmas merchandise, out comes the Valentine’s Day items – even though Valentine’s is still more than six weeks away.
I don’t know why, but it always takes me by surprise to see Valentine’s Day merchandise so soon after Christmas.
I’ve always wondered where Valentine’s Day came from, and under those circumstances, a person could be forgiven for thinking it was invented to create more business when Christmas is over.
But no, after a little research, I discovered that Valentine’s is not a holiday that was “invented” by greeting card companies to sell more greeting cards or by candy companies to sell more candy or by florists to sell more roses.
Valentine’s Day actually started more than 1,500 years ago.
According to legend, Valentine was a priest who defied the orders of the Roman emperor Claudius and continued to perform marriages. It seems that Claudius realized no young men wanted to join his army because they didn’t want to leave their wives and sweethearts. When it was discovered that Valentine was still performing marriages in secret, he was sentenced to death. Valentine allegedly cured the jailer’s daughter of blindness, and on the night before his execution, sent a note to her signed “from your Valentine.” He reportedly died on Feb. 14, 269 A.D.
In 496 A.D., February 14 was named by Pope Gelasius to honor St. Valentine.
The first Valentines are credited to Charles, Duke of Orleans, who was imprisoned in the Tower of London during the 1400s where he wrote romantic verses that he sent to his wife.
A woman named Esther Howland is credited with sending the first Valentine in the United States.
The United States Postal Service is credited with advancing the popularity of sending Valentines when the penny postcard was introduced in the mid 1800s. Before that, sending mail was too expensive for the average person, because at the time, the person who RECEIVED the letter paid the postage and not the person who SENT the letter.
Personally, I’m thankful it’s not that way today. Can you imagine paying the postage to receive your Valentines?
In days gone by, Valentines were hand-painted cards decorated with lace and feathers and sequins.
I don’t know about anybody else, but if I were going to hand paint a Valentine and decorate it with lace and feathers and sequins, I wouldn’t go to all that work for just anybody.
Nowadays, however, Valentine’s cards are mass produced in thousands of designs and sizes – large ones and small ones; serious ones and silly ones; inexpensive ones and expensive ones.
The variety of Valentine’s cards is overwhelming and, as far as I’m concerned, rather unnecessary. I mean, how many Valentine’s cards does one person need to buy? Spouse? Parents? Siblings? Second and third cousins? The teacher you had in fifth grade? The lady who cuts your hair? The grocery store clerk who tallied up your last purchase? The man who stopped his car so you could make it through the crosswalk without being run over?
And what about the Valentine’s merchandise? The candy, the posters, the teddy bears sporting a red heart that says ‘Be Mine,’ socks with little red hearts all over them, heart-shaped rings, necklaces and earrings, and the list goes on and on.
I wonder what the real St. Valentine would think of the cards and the candy and the jewelry and whatever else?
Then again, maybe the real St. Valentine would be delighted by this turn of events.
After all, it’s been more than 1,700 years since he died, but every Feb. 14, people are still celebrating Valentine’s Day.
And that puts giving Valentines into a whole new perspective, doesn’t it.
About The Author
LeAnn R. Ralph is the editor of the Wisconsin Regional Writer (the quarterly publication of the Wisconsin Regional Writers’ Assoc.) and is the author of the book, Christmas in Dairyland (True Stories from a Wisconsin Farm) (Aug. 2003; trade paperback). She is working on her next book, Give Me a Home Where the Dairy Cows Roam (which will be available later in 2004). Share the view from Rural Route 2 – http://ruralroute2.com
The Most Recommended Source to Find the Best Cars
A car in this modern world is highly needed as the most effective and cheap transportation vehicle that supports our daily mobile activities. Every year there are so many kinds of car products are produced to cover the global transportation needs. Finding car is therefore won’t be very difficult especially the cars today not only can be found in real car dealers but in the virtual car shops as well. There are so many online dealer websites in the internet however it might be quite tough for us to search the one that offers us large car collections with the right prices.
If you’re a person who needs to have your own car to cover your daily mobile needs Thecarconnection.com is the right place which is highly recommended for you to visit. This website represents an online car dealer that doesn’t only offer car products buy all information about car products as well. When you visit this website you can easily find many ranges of car products offered. If you’re a person who needs to glide on the highway more elegantly then choosing the chrysler 300 is the right choice. When you visit this website you can also find hummer h2 a type of car which has both tough body and engines. This type of car s specifically designed for tough driving upon rough surface and at extreme conditions. If you’re a person who loves to get some adventures to drive in the wild then this type of car is the best for you.
A type of car which is recommended for the person who loves to appear more fashionable is the dodge viper. This type of car is known as one of the sporty car that comes with luxury touch. Please kindly visit this website and view the details of hyundai azera and many other car specifications in this website
How to Benefit from The Mind-Body Connection
Dr. Bernie Siegel, author of “Love, Medicine and Miracles” was once a distraught surgeon who fretted over his inability to effectively serve his cancer patients. Dr. Siegel’s recognition and growing understanding of the mind-body connection eventually allowed him to serve his patients and himself in a greater capacity.
Bernie writes in his book, “When a doctor reports amazing improvements in a patient’s condition, he or she almost never mentions that person’s beliefs and lifestyle, but when I inquire, I find the patient always has made some drastic change toward a more loving and accepting outlook. The patient seldom tells an unreceptive doctor about this, however.”
When the person’s mind changed, the state of their health changed. Hence, the importance of the mind- body connection.
However, just covering up the surface with positive thinking isn’t necessarily going to help. It’s like cleaning out a house. The dirt and filth has to be removed and the stale air replaced with fresh air. There has to be a fundamental change for real healing to take place. Surface level, ‘positive thinking’ isn’t going to effect this kind of change, just like lightly dusting our homes won’t get the real dirt out.
So what are the dirty and stale things in our minds? Well, they could be things like grudges, prejudices, anger, resentment and hate. One spiritual principle from religion talks about “loving your enemy”. That can’t be done without giving up hate. By giving up something bad, we can make room for something good to come in and may, as a result, see a corresponding change in our bodies.
The problem here is that many of these bad things are buried and hidden and we won’t necessarily see them or recognize them in ourselves. We can be certain that they are there though, it is a virtually inevitable consequence of living in a world that is so focused on selfishness and less concerned with “loving” others.
So in order to find these bad things and eliminate them requires introspection, it requires looking at oneself hard and long. However, there is still a problem. When we are searching within our minds, we have to have a standard to do the comparison with. Otherwise, how will we find anything? How will it stand out?
Let’s look to one of the greatest thinkers of the Western world, Socrates. What did Socrates do with is life? Didn’t he teach others about virtue? Interesting, isn’t it? One of the most influential people in western thinking emphasized virtue to his students. Socrates talked about things like absolute goodness, beauty and truth.
If someone as great, as well loved and respected as Socrates thought these things were important, perhaps therein lies the key to the mind-body connection. To live a truly healthy and worthwhile life, maybe virtuous thoughts like truth and goodness are what our minds should embrace rather than the negative things modern life finds us clinging too.
Remember what Bernie said, “I find the patient always has made some drastic change toward a more loving and accepting outlook.” When we embrace truth and goodness, the beauty of life and this vast universe that we live in becomes evident. That is when we can heal our bodies. Real healing happens in the mind.
This article is for information purposes only, it is not meant to diagnose, prevent or treat any illness or health issue. If you have or think you have a health condition, please visit your primary-care physician immediately.
Dave Snape is a health, fitness and wellness enthusiast. His website is http://tobeinformed.com
