Bad credit can be a major annoyance

Bad credit can be a major annoyance. If you are stuck with a bad credit history, it will undoubtedly be difficult to procure loans later on. If you are intending to purchase a new car, you might have to do some running around before you find an auto loan that is a good bargain.

Your bad credit history will bar you from availing of several of the great deals that are available to people with good credit. Thus, while you buy your car, you will probably end up paying higher amounts of interest than your buddies with good credit. You could be finding it unfair. But you will agree that it is the direct consequence of your defaulting on some loan in the past. A blunder like that can dog you for a long time.

What are the major outcomes of having a bad credit history? One is that you will be blocked off from cheaper deals in the field of personal finance. As I have already mentioned, loan providers will charge you higher interest rates.

A second result is that your bad credit history might become a problem when you start looking for a job. Even if you possess all the qualifications, potential employers might reject you on the basis of your credit history. Even when it comes to looking for an apartment to rent, your landlord might reject you based on your past credit history. Life can be very hard for someone who is cursed with bad credit.

However, this does not have to be a permanent state of affairs. Bad credit is a hurdle, but with discipline and determination, you can overcome this barrier. If you are hoping to become debt-free, you could consider procuring a second loan to help you pay off earlier debts. Does the idea of taking yet another loan frighten you? Do you find yourself thinking: What if I am unable to repay this loan? Well, these are valid questions given your past record. However, you of all people should not talk yourself into believing that there is no way in which you can become debt-free.

There are all kinds of bad credit personal loans that are available in the loans market. Loan providers are aware of the way in which defaulters are often given a raw deal. Hence, they have also realized the need for bad credit personal loans. Thus, if you are one of those people, do not lose heart. There is bound to be a great loan package to help you out.


Copyright 2011 by Preston Smith, Walker Enterprises/Silver Dollar Press. All Rights Reserved.

Here’s a good website to check out: “Studio Quality Portraits For Less” _ http://studio_quality_portraits_for_less.weblodge.net

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Western Movies

Western Movies

From the very beginnings of movie making and television broadcasting one of the most popular kinds of shows had a Western theme. Early stars like Tom Mix, Gene Autry, and Roy Rogers, among others were big drawing cards at the box office.

People loved to watch them and the action-packed scenes. Some of those early films are still watched today by those who like classic movies.

By the time the 1950's and 60's rolled around, Western television shows were very big. There was “The Lone Ranger,” “The Rifleman,” “Wild, Wild West,” “Wagon Train,” “Maverick,” “Gun Smoke,” “Branded,” even the comedy, “F Troop.” Young boys were especially great fans of these shows.

Some of them ran for a long time. “Gun Smoke,” for example, started with a radio version and ran from 1952 until 1961, and was considered one of the best drama radio shows ever. The television series of “Gun Smoke” ran from 1955 until 1975, and is one of the longest running drama television series. Many of these programs can still be seen in rerun on cable or satellite channels.

As popular as the television Western shows were, the big screen Western stars were about to make some great and unforgettable Western movies as well. John Wayne started his career in the 1920's in silent films. He really became well know because of his Western movies starting in 1939 when he made “Stage Coach.”

From then on he starred in many films, including dramas set in modern day and war films. He will always be most loved and remembered for his cowboy persona in films like “True Grit,” “Sons of Katie Elder,” “Rooster Cogburn,” and many, many more.

Along with John Wayne came a lanky cowboy star named Clint Eastwood. He appeared in the television series “Raw Hide,” but went on to become a Western film star that could rival John Wayne in the 1960's. In films like “The Good, Bad, and Ugly,” “Fist Full of Dollars,” “A Few Dollars More,” “Two Mules for Sister Sarah,” “High Plains Drifter,” and in 1976, “The Outlaw Josey Wales,” he made his first real mark in movies.

It was during the 70's that he made films about Dirty Harry and other criminal hunting movies set in modern day situations that gained him even more acclaim. Other movies like “Sudden Impact,” “Magnum Force,” and “The Enforcer,” were all movies he is remembered for.

He did comedy as well in the "Every Which Way But Loose” film and two of it’s sequels. Today he is still acting, but is one of our best known movie directors, too.

Although there have been a few notable Westerns that have been made in recent years like “Young Guns,” “The Lonesome Dove” series, and “Dances with Wolves,” they have not continued to be made regularly like in years gone by.


Copyright 2011 by Preston Smith, Walker Enterprises/Silver Dollar Press. All Rights Reserved.

Here’s a good website to check out: “Studio Quality Portraits For Less” _ http://studio_quality_portraits_for_less.weblodge.net

Here’s another good website to check out: “Green Cleaning Products” _ http://green_cleaning_products.weblodge.net

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Are you tired of hearing yourself say the same old excuses

Are you tired of hearing yourself say the same old excuses day after day, month after month, year after year? If so, listen up! Here are five things you can do to start losing weight today!

Activate.

The most important ingredient in your weight loss plan is exercise. If you think that's a dirty word, it's time to clean it up. Exercise is just what you do every time you move. Starting today, resolve to activate your life. Leave the car keys behind and walk to the corner store. Race yourself to get your housework done in ten minutes less time (because the more vigorous your movement, the more calories you burn). Get off the elevator one floor early and walk up the stairs.

Every extra active thing you do will burn calories - and the more calories you burn, the more weight you'll lose. When you're ready to really activate, get a physical workout designed with your interests in mind. Join a gym, take up a sport, or walk 10,000 steps a day. But don't wait until you think you can do it all. Just take a few extra steps today.

Motivate.

Grab a pen and notebook and start writing down all the reasons you should lose weight. Don't stop till you get to ten, at the very least. Here are some suggestions:

1. I’ll be healthier - losing as little as 10 pounds can decrease your risk of heart disease, diabetes and a host of other weight-related illnesses.

2. I’ll save money. Super-size costs more - whether it's an extra $2 for the nightgown you want or having to travel first class for the seat space.

3. I’ll be able to keep up with my kids. It takes energy to keep up with kids, and extra weight saps your energy. Lose ten pounds and see how much better you feel.

4. I’ll get back into my favorite jeans.

5. I’ll find souvenir t-shirts that fit anywhere I go.

Cogitate.

Got your ten reasons? Don't stop writing. Keep that pen and notebook with you all day and write down every single thing you put into your mouth. Just for one day. You'll be surprised at all the 'unexpected' calories you catch yourself eating. The last two French fries on your son's plate. The two bites of chicken you tasted to make sure of the seasoning. The 'just one bite' of your husband's ice cream cone. The handful of potato chips you snagged from the bowl on your way. Write down every single bite for one day to make yourself aware of all the food that you didn't even realize you were eating. Once you find it, you can start cutting it out.

Educate.

Take a trip to the Internet and visit these educational sites: The American Heart Association, The USDA, Food Pyramid, iVillage Diet and Nutrition section, The Diet Channel, The South Beach Diet web site, The Atkins Diet web site, The Mayo Clinic web site's Diet and Nutrition pages.

Educate yourself about healthy diets and weight loss, and find a diet that you believe you can live with for the rest of your life. It's the only way that you'll lose weight and keep it off permanently.

Salivate.

If you think that diet food is boring, find a good low-fat cookbook and start re-educating your taste-buds. Healthy, low-fat, low-carb cooking is delicious - prove it to yourself with a recipe for dinner. While you're at it, pick one for tomorrow night, too. You can start your diet AGAIN tomorrow!


Copyright 2011 by Preston Smith, Walker Enterprises/Silver Dollar Press. All Rights Reserved.

Here’s a good website to check out: “Studio Quality Portraits For Less” _ http://studio_quality_portraits_for_less.weblodge.net

Here’s another good website to check out: “Green Cleaning Products” _ http://green_cleaning_products.weblodge.net

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There are symptoms of diabetes

There are symptoms of diabetes. The symptoms are often overlooked because they seem so ordinary and so harmless. It's important to know what the symptoms of diabetes are, so that you can recognize them and be tested for diabetes.

The earlier diabetes is diagnosed, the better the results will be, and the fewer the complications that will develop. The symptoms of diabetes are:

* Frequent urination
* Excessive thirst
* Extreme hunger
* Unusual weight loss (or weight gain)
* Increased fatigue
* Irritability
* Blurry vision

If you have one or more of these symptoms, you should see your doctor and ask him or her to test you for diabetes. It's better to be safe than sorry. There are three tests that your doctor might run to help him or her diagnose diabetes:

* Fasting plasma glucose test:

This test measures your blood glucose after you have gone at least eight hours without eating. You'll be told not to eat or drink after midnight, and then report to the lab for a blood test the next morning. This test is used to test for diabetes as well as pre-diabetes.

* Oral glucose tolerance test:

This test measures your blood glucose after you have gone at least eight hours without eating, and again two hours after you drink a glucose-containing beverage. You will be told to not eat or drink after midnight, and report to the lab the next morning. The lab tech will draw blood and perhaps ask for a urine sample as well. Then he or she will ask you to drink a liquid that is very high in sugar (glucose). You will wait two hours and then the tech will draw blood and ask for a urine sample again. The results of the two tests are compared. This test is used to diagnose diabetes or pre-diabetes.

* Random plasma glucose test:

In this test, your doctor has the lab check your blood glucose without having you fast. The results of this test, in conjunction with an assessment of your symptoms, can be used to diagnose diabetes but not pre-diabetes.


Copyright 2011 by Preston Smith, Walker Enterprises/Silver Dollar Press. All Rights Reserved.

Here’s a good website to check out: “Studio Quality Portraits For Less” _ http://studio_quality_portraits_for_less.weblodge.net

Here’s another good website to check out: “Green Cleaning Products” _ http://green_cleaning_products.weblodge.net

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What Makes a Live Casino so Special?

What Makes a Live Casino so Special?

I am sure you have heard of online casinos before. The question is, have you ever heard of a live online casino? If not, then you are missing out on the next generation of online casino gaming. There are so many reasons why live casinos are the new leaders of the pack, so to speak. The live webcam feed definitely closes the gap between online casinos and bricks and mortar (land) casinos. For many gamblers, the webcam feature will provide a good reason why you should play live casinos and not play with the simple online casinos or even go to the land casinos.

An obvious reason why a live casino is so special is due to the live webcam feature. This means that the online players actually play with real live dealers (croupiers). What does this mean you may ask? Well, it means that you can see, hear, and chat with the live dealers in the live online casino. As the old saying goes, “seeing believes.” This is so true! Many players may not even think of playing online because they may think that the results of the games are not real. This means that the results are fixed and not random. This is something that is very easy to believe when you have no idea where the results come from. Well, when playing with a live online casino you can be sure to actually see the live dealers dealing the cards or throwing the ball or dice. Most live webcam casinos give you not only one webcam view, but two or even three different webcam views. In other words, you can not only see the live dealer doing his or her job, but you can also see close up shots of the cards, ball, or dice the live dealer handles. You can also see different angles of the playing table.

The live webcam casino technology gives the opportunity to hear the live dealer doing his or her duty. Not only can you hear the dealer, but you can hear the cards, ball, or dice being placed in their position. This can be considered an extra security measure for us online players since the sounds occur at the same time the action takes place. It gives you a so-called back up to the fact that the game is for real and in real time. You can also hear the background noise of the land casino where the real live internet casinos are based. How much better can a live online casino get? How about being able to chat with the dealers as well! Yes, I am serious! How is this possible? Well, it is very simple. The live chat highlight is integrated into the gaming software and the live game window where the video feed is presented. Below the webcam window you will find a small space committed for the live chat feature.

You may be thinking that with all of these great features a live online casino offers us, it will take a decade to download the webcam games. Not at all. Playing with a live webcam feed is very easy and a convenient way to play your favorite casino game. All you will need is an Internet connection in order to download the software and install the software, or you may simply need to download the software, but not install it, or for some casinos you don’t even need to download at all. Using this last version you can simply play live online by instant play versions of the live games. The way you go about it all depends on the live webcam casino you decide to play with.

So go out and try a live online casino if you haven’t already. You will definitely see why this is the next generation of online gaming.


Copyright 2011 by Preston Smith, Walker Enterprises/Silver Dollar Press. All Rights Reserved.

Here’s a good website to check out: “Studio Quality Portraits For Less” _ http://studio_quality_portraits_for_less.weblodge.net

Here’s another good website to check out: “Green Cleaning Products” _ http://green_cleaning_products.weblodge.net

Here’s another good website to check out: “How To Adjust & Repair Your Sewing Machine” _ http://www.silver_dollar.zoomshare.com

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Realtor Referrals - The Greatest Mortgage Marketing Strategy

Realtor Referrals - The Greatest Mortgage Marketing Strategy

When it comes to working in mortgage brokering or lending, realtor referrals are the mother's milk. They are the best way to get a good sale, they offer you leads that are qualified in their own ways, and they are usually the easiest sales you make. There are, though, a number of different types of referrals, and each one of them can help you. Consider some of the types of referrals that you may be able to get for your mortgage business.

About Customer Referrals

The referrals that most mortgage professionals pursue with the most vigor are the customer referrals. These are referrals generated by customers you have already served. These people are happy with the service you provided, and in turn have told friends or relatives about you. That way, when they are in the market for a mortgage, you are their first phone call. These are great referrals because they rarely provide you with any competition. When they arrive at your door, they are ready to work on their mortgage and get going.

Because of that, customer referrals are usually strongly encouraged. The mortgage professionals send out letters, and may even offer incentives to the customer who sends them a mortgage. The incentive can be monetary or some sort of product.

Referrals From Friends and Loved Ones

They may not count for a lot of your business, but a mortgage professional should be able to count on their friends and their family for referrals. When someone, anyone in your group of friends or family, is in the market for a mortgage, you would likely be the first one they call. Again, the competition is little but the quality is not always as good as with a customer referral.

With a family or friend referral, you will end up getting everyone they know who ever thought about a mortgage. The referrals may or may not even qualify for the mortgages. However, in the mortgage business it is all about numbers, so you take them anyway.

Advertising Referrals

Sometimes your referrals come from advertising. For instance, many mortgage professionals offer incentives to those who apply for a mortgage. The incentive may be an award, money, a coupon, or anything else that could push someone over the edge in terms of applying for a mortgage.

Internet Referrals

There are also internet referrals. Potential mortgage customers find online forms to fill out for prequalification for a mortgage. When they fill out the form, the information is fed to you so that you can then take that and turn it into your lead.

These referrals are pretty good because you are getting the prequalification information up front. Before you even make a phone call you will likely already know if the referral is worth your pursuit. With internet referrals you can even go all the way to targeting certain sizes and types of mortgage. In a way, the internet referral is the most reliable, if not the most common, to come across your desk.

Real Estate Mortgage Referrals

Then there are the referrals from real estate agents. These are referrals that come from Realtors helping people buy new homes. They already know that the people are interested, and by the time they get to you, it is just about getting them qualified. These are great referrals because they are fairly well qualified and fed right to you.

These types of referrals are exactly why it is important to find ways to partner up with real estate agents. There are a number of ways to do this, and a number of advantages to it. Besides allowing you free access to a number of leads, it also allows you access to the best customers in the mortgage industry: first timers.

When you are in the mortgage business, turning renters into buyers is the best way to make money. When you partner up with the right real estate agent, you will get all of the renters turned buyers you can handle. The key is simply to find a program that will help you do just that. When you find such a program, your real estate mortgage referrals can go up significantly, which makes your income go up.

Referrals Wrapped

In the end, it doesn't matter what kind of referrals you get; referrals are the best leads you get. Then, of those great leads, there are the best of the best which is the real estate mortgage referral. With these, you can find yourself with renters turned buyers, first timers, and many other customers that are ready to have you help them buy that dream home.


Copyright 2011 by Preston Smith, Walker Enterprises/Silver Dollar Press. All Rights Reserved.

Here’s a good website to check out: “Studio Quality Portraits For Less” _ http://studio_quality_portraits_for_less.weblodge.net

Here’s another good website to check out: “Green Cleaning Products” _ http://green_cleaning_products.weblodge.net

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Understanding The Differences Between Personal And Business Credit

Understanding The Differences Between Personal And Business Credit

Credit is a common way out for people in financially difficult situations. These financially difficult situations can be either business-related or personal-related. Financial institutions have designed programs to bail out customers from financial ruts. The credit terms for business and personal matters are completely different. Financial institutions also provide business credit through credit cards for the SMEs (small & medium sized enterprises). This can be considered a business loan for either starting or maintaining a decent momentum for a business. Personal credit through credit cards is used to pay off personal liabilities, manage funds, or buy essential things with an eye to paying it off in a timely manner.

Differences between Business & Personal Credit:

1. Liability in the case of any default for business credit lies with the company or the enterprise. With personal credit, in the case of a default, the individual is liable to fulfill the amount owed to the lender.

2. Personal belongings can be taken as compensation if a person fails to fulfill the contractual commitment of the lender in due time. In the case of business credit, the belongings of the enterprise can be taken if the company doesn't pay its credit on time.

3. In the case of companies, there is a stock pledge that can be served to pay off the credit to the lenders in case the enterprise fails to repay the amount on time. The lenders take ownership of the said stock, and can sell or auction it to retrieve their amount. But in the case of personal credit, such a situation is rare. Only in cases of home loans or larger amounts can the lender ask for a surety on property.

4. There is more potential risk involved in business credit. In the case of business credit the repayment is more often than not based on the clients' ability to sell a product or service. If the payment is delayed, the installment also gets delayed, resulting in either default or heavy interest. People unable to pay personal loans or credit amounts usually have it siphoned from their income.

5. Business credit usually runs for long periods and has an entirely different set of rules for payment. The arrangement is either contractual or otherwise legally bound with a clause dedicated to an exit policy. Personal credit is often based on mutual trust among the parties, or, if legally bound, it is for a small duration of time.

Advice About Using Credit

Those using business credit should regularly monitor their credit reports and never attach their personal assets to that of the enterprise in order to secure a line of credit or a loan. Credit whether it is business or personal is a great facilitator for solving financial worries, but be careful with the terms and the repayments.


Copyright 2011 by Preston Smith, Walker Enterprises/Silver Dollar Press. All Rights Reserved.

Here’s a good website to check out: “Studio Quality Portraits For Less” _ http://studio_quality_portraits_for_less.weblodge.net

Here’s another good website to check out: “Green Cleaning Products” _ http://green_cleaning_products.weblodge.net

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Homemade Dog Foods

Homemade Dog Foods

Many dog owners are turning to homemade treats versus store-bought or processed treats and snacks. The health benefits of homemade dog treats parallel our human need to snack healthier and live healthier lives, so it only makes sense that we not only want the best nutrition for ourselves, but also for the safety of our canine companions. Sometimes the dog food you buy in stores is not safe, and to be on the safe side you will want to feed your dog homemade dog food. Should that ever be the case, all that is required is a simple mix of meat, vegetables, and starches.

From 50% to 70% of the ingredients should be meat, such as beef or chicken. Be sure to take all the bones out first, as dogs can choke on bones, especially soft chicken bones. The remainder of the meal should be made up of carbohydrates and vegetables. Good carbohydrates are potatoes or rice. Do not use pasta or any other carbohydrates made from corn, wheat, or soy, since they are not good for dogs.

Good vegetables to use are: carrots, peas, green beans, spinach, beans, cabbage, yams, sweet potatoes, and so forth. Also, ask your vet what vitamins and minerals should be added to your dog’s meal. The amount you should feed your dog varies, and depends upon the size, breed, age, and activity level of your dog.

Homemade dog foods and treats are safer since you have more control over what your dog is eating, taking, and his dog poop, they should be prepared chemical and preservative free to avoid harmful effects and allergies, as well as possible cause of certain diseases and cancer. Some researchers have also found that some chemicals from commercialized foods may interact with a dog’s delicate brain and cause impeding of a dog’s behavior and aggression. We all know that less fat means a healthier heart; the same principle for our dog’s heart by reducing or eliminating fat contents in their food, is also beneficial for dogs to avoid becoming obese later in his life.

Make homemade treats taste better, also consider ingredients that will keep your dog’s teeth and gums clean. Overall digestive tract will seem healthier and in control against stomach upsets, bad dog waste, and diarrhea. Your dog will surely appreciate your effort for him, and could love you more. Just like caring for your children, they also love to smell your homemade treats for them coming from the kitchen and made especially for them.


Copyright 2011 by Preston Smith, Walker Enterprises/Silver Dollar Press. All Rights Reserved.

Here’s a good website to check out: “Studio Quality Portraits For Less” _ http://studio_quality_portraits_for_less.weblodge.net

Here’s another good website to check out: “Green Cleaning Products” _ http://green_cleaning_products.weblodge.net

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Save $1000s Fighting Common Pet Pests

Save $1000s Fighting Common Pet Pests

There are several cheap and natural ways to fight common pet parasites, several of which are outlined below. These methods have the double bonus of being inexpensive and environmentally friendly.

Natural Flea Remedies – Natural methods of fighting flea infestations on your pet and in your home include:

1. Ensure that your pet is eating a healthy and complete diet. A healthy pet is naturally better prepared to fight off parasitic infestations.

2. A well groomed pet is also a fantastic natural barrier to fleas and other pests. When a pet is well groomed, their body’s inherent pest fighting oils will be in full force.

3. Feeding your pet garlic can help repel fleas. Garlic has many fantastic properties that well suit it for this kind of use, and it will increase your pets well being at the same time. A ½ teaspoon for small dogs and 1 teaspoon for larger ones of garlic powder sprinkled over their favorite food should be sufficient.

4. Feeding your pet Brewster’s yeast, as in the beer ingredient, can have a similar effect as Garlic in repelling fleas. Brewster’s yeast can usually be found near the flour and bread making supplies in a typical grocery store. A ½ teaspoon for small dogs and 1 teaspoon for larger ones of Brewster’s yeast sprinkled over their favorite food should be sufficient. You can combine the Brewster’s yeast and garlic powder for a natural double punch.

Natural Tick Remedies – Natural methods of repelling and removing ticks off of your pets include:

1. Sodium borate can also be sprinkled on the carpet to help control ticks. Sodium borate will dry up both fleas and their larvae and is effective for up to one year after being applied to a carpet.

2. When a tick is found embedded in the skin, use a fine pointed tweezers at the point of attachment, and grasp firmly. Using slow, steady, and firm traction, pull the tick straight out from the skin. Cleanse the skin with mild soap and water. If part of the tick breaks off, you can try to remove it as you would a splinter, but it is probably best to leave it alone. The body will 'eject' it in time. Place the tick in a jar of alcohol, noting the date, in case of future illness. Tick identification and location of tick infestation will be important.

3. Do NOT use a match or caustic materials to try to smother the tick or get the tick to 'back out.' This doesn't work, and may be causing the tick to regurgitate more saliva (and potential pathogens) into the skin.

Natural Worm Remedies – Most worm and worm-like parasites that infect pets are serious conditions that require the attention of qualified medical personnel. Keeping your pet healthy and well groomed are important factors in the fight against worms. Picking you after any suspected sick animal, especially if you have more than one animal is extremely important.

These methods are good at keeping fleas, ticks and worms at bay, but are mostly preventative measures, that is they are not meant to fight a full on infestation. If an infestation begins to get out of control, it may be necessary to use a chemical method to remove the harmful plague. If the swarm of insects becomes unmanageable and is leading to an unhealthy situation for you and your pet, please seek professional pest assistance.

Visit the web for helpful tick articles and wormy pet information, for more information on fighting pet parasites.

© Copyright 2011 by Preston Smith, Silver Dollar Press\Walker Enterprises. All Rights Reserved.

Here’s a good website to check out: “Studio Quality Portraits For Less” _ http://studio_quality_portraits_for_less.weblodge.net

Here’s another good website to check out: “Green Cleaning Products” _ http://green_cleaning_products.weblodge.net

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Hazards of Mixing Business with Pleasure While Buying Property in Mexico

Hazards of Mixing Business with Pleasure While Buying Property in Mexico

Jim Beam and three of his buddies were drinking in a bar one night and had the brilliant idea of driving their quads across the border and setting up a business in Puerto Penasco renting them. So one Friday they drove across, parked their vehicles on the beach, and put up a sign saying, “Rentals $25/HOUR.” Business was a little slow at first, so two of them decide to take a ride down the beach. Unfortunately they had been drinking a lot of beer and were not very steady drivers. They rolled over the quads, putting both the vehicles and themselves out of commission. While they were being treated, Jim rented another quad to a guy on the beach, who took off and never came back. The fourth quad was confiscated because Jim and his friends had no corporation and hence no legal status to do business in Mexico. There are several attitudes that cause problems for Americans who are trying to do business or buy property in Mexico:

1. Party mentality. It should be possible to go on vacation in Puerto Penasco and make some money on the side. Not likely. Jim and his friends made the mistake of trying to mix vacation with business. This is an (only slightly) exaggerated situation, but I have met many, many Americans who seem to feel that they are on vacation as soon as they cross the border. This greatly hinders their ability to conduct any sort of business transaction.

2. Greed. Great bargains in Mexico can be picked up likes shells on the beach. Not true. They can be found, but it takes times and effort to make a sound investment. Larry and Rita Marino had rented a beachfront condo in Puerto Penasco for several years. They decided if they could buy one. The owner of the one next door happened to be there one weekend when they were, and told them he'd like to sell. The price was right, and they agreed to buy it. Rita asked when they could meet with a notario to close the transaction. The owner said “Oh, we don't have to do that. It costs too much. Just give me the money and I'll hand over the title. That's how it is done in Mexico." Three months later Larry and Rita returned and found their condo occupied by another family who claimed to have bought it from the same owner. He had to return to the U.S and could not be located.

3. Ignorance. That's the way it's done in Mexico. Not if it's done right. People who say this are usually trying to cut corners. Buyers should always check the details of proposed transactions or engage a reputable person to check for them. Larry and Rita gave money for the purchase of property to a complete stranger without an office or an established business. They allowed their greed to overcome their business sense and failed to follow proper procedure or even to find out what the proper procedure was.

Buying property in Mexico.

If you are an American or Canadian wanting to buy property in Mexico, here are some tips for you.

1. When you arrive in Mexico, turn off your vacation attitude and turn on your business brain. You will do better if you aren't distracted by margaritas and fun.

2. When buying property, do it right. In Puerto Penasco foreign individuals can purchase residential property with a bank trust. A Mexican corporation can own property outright, but only for business purposes. These are the only two legal ways of doing it.

3. Get a professional real estate agent to represent you, preferably a member of the Puerto Penasco Association of Real Estate Agents.

© Copyright 2011 by Preston Smith, Silver Dollar Press\Walker Enterprises. All Rights Reserved.

Here’s a good website to check out: “Studio Quality Portraits For Less” _ http://studio_quality_portraits_for_less.weblodge.net

Here’s another good website to check out: “Green Cleaning Products” _ http://green_cleaning_products.weblodge.net

Here’s another good website to check out: “How To Adjust & Repair Your Sewing Machine” _ http://www.silver_dollar.zoomshare.com

Here’s another good website to check out: “Bibles New and Used” http://www.bibles-new---used.zoomshare.com/

Here’s another good website to check out: “Affiliated Website Designers” http://silver-dollar-affiliated-website.blogspot.com/

Here’s a good Forum to check out: http://dachshund_forum.forumotion.com

How to Reduce Credit Card Debt - It Can Be This Simple

How to Reduce Credit Card Debt - It Can Be This Simple

Decreasing credit card debt and doing it before it becomes a nightmare is what this article is really about! So, how can this be accomplished? Well, the number one step is to keep the credit card debt from growing, and start paying off the existing current balance. But can it really be so straightforward?

The answer to this question is – no, it's not as simple as it appears. Let's face it, if things were that straightforward, nobody would be in debt in the first place, and lower debts would not be given the chance to escalate.


Suggestions about credit card debt and how to get rid of it are readily available, yet the issue still exists and doesn’t seem to get better in any way. In fact, in many cases the situation just seems to be worse than before. This is primarily due to the fact that suggestions to help people reduce credit card debt are not put to use as they should be. However, if people choose to take seriously the advice being offered, it is possible to reduce your debt and eventually become debt free.

The first step in reducing credit card debt is to ensure the amount owing doesn't get out of control proportionately. In order to do this, it is important to take the opportunity to make good use of the balance transfer options available with various offers, as well as starting to use cash for future spending instead of credit.

Balance transfers, probably the quickest means of lowering debt from credit cards, allow the speed of the accumulation of balance on the card to be diminished. This program also provides relief as far as the amount of interest is concerned, since the APR of balance transfers can be as low as zero percent for a set amount of time. To use this method to reduce and eventually eliminate credit card debts, the existing debt has to be moved to the new credit card provider, who is giving a lower rate of interest than your present credit card company.

The other way to eliminate credit card debt is quite simple. Cash is to be used to pay for things instead of a credit card. This means further debt will not be added to the credit card, and the balance will be kept as low as possible.

By following this advice, having a firm plan and sticking to it, credit card debt can be reduced and will become a worry of the past.

© Copyright 2011 by Preston Smith, Silver Dollar Press\Walker Enterprises. All Rights Reserved.

Here’s a good website to check out: “Studio Quality Portraits For Less” _ http://studio_quality_portraits_for_less.weblodge.net

Here’s another good website to check out: “Green Cleaning Products” _ http://green_cleaning_products.weblodge.net

Here’s another good website to check out: “How To Adjust & Repair Your Sewing Machine” _ http://www.silver_dollar.zoomshare.com

Here’s another good website to check out: “Bibles New and Used” http://www.bibles-new---used.zoomshare.com/

Here’s another good website to check out: “Affiliated Website Designers” http://silver-dollar-affiliated-website.blogspot.com/

Here’s a good Forum to check out: http://dachshund_forum.forumotion.com

How to accept credit cards for small business

How to accept credit cards for small business

The benefits of accepting credit cards almost always outweigh the risks, and the chances of this are greatly improved if you do your homework before opening a merchant account. In this post, we’ll talk about the importance of accepting credit cards, what to expect as you compare merchant accounts, and how to keep your merchant account in good standing once you begin processing.

Convincing a business owner that they need to start accepting credit cards isn’t as tough as it once was, and it’s getting easier every day. Credit and debit cards are a staple in consumers’ wallets, and the trend isn’t showing signs of letting up any time soon. For merchants, the ability to accept credit cards often translates to larger average tickets and greater gross monthly sales volumes. Of course, along with the greater sales volume comes the expense of processing credit card transactions. Fortunately, profit from increased sales typically far outweighs processing costs. Here are a few helpful points that you should know before beginning your search for a merchant account.

Merchant account fees are not standardized.

Merchant account rates and fees vary widely from one provider to the next. Aside from the amount of fees charged, some accounts will have entire categories of fees that others won’t. As you being to research your options, look at every account as an individual.

Credit card processing rates and fees are not written in stone.

Haggling is the name of the game when it comes to negotiating the best merchant account rates and fees. Consider the rates and fees of an initial merchant account quote as a starting point, from which you can start to reduce costs.

There are a lot of providers competing for your business.

Don’t begin and end your search at your local bank or even with the providers in your town. There are thousands of merchant service providers all competing for your business. Use this competition to your advantage to get the best rates possible. Consider using a web site like CardFellow.com to get quotes from multiple providers from a national market.

Once you begin contacting merchant service providers, you should expect to encounter some pretty good sales people that may employ high-pressure sales tactics. The key is to remain methodical in your search process, and look at the facts surrounding an account, not the salesperson’s interpretation of them.

The best and truly knowledgeable salespeople will use the rates and fees of their merchant account quote to help portray the benefits of their offer. They’ll take the time to learn about your business, present calculations and estimations of processing expenses using an effective rate, and they’ll take the time to answer your questions in a consultative manner. These are the salespeople to look for, but not necessarily the ones to expect.

Once you decide upon a merchant account provider and start accepting credit cards, your education about credit card processing has just begun. Don’t look at the task as complete, but as just beginning. The bankcard industry is always changing and new regulations that affect you are commonly brought to legislative attention. The phrase “knowledge is power” translates to merchants in the bankcard industry as “knowledge is money.” The more you know about credit card processing, the more you will be able to save yourself in processing expenses.

Once you begin processing credit cards, frequent reliable and unbiased sources on the subject to keep yourself up to date about the industry and ways you can optimize your merchant account to lower costs. The best sources of merchant account information are the ones that aren’t trying to sell you processing services.

A wealth of Information to help businesses that start accepting credit cards find the best merchant account is available at the MerchantCouncil.org.

© Copyright 2011 by Preston Smith, Silver Dollar Press\Walker Enterprises. All Rights Reserved.

Here’s a good website to check out: “Studio Quality Portraits For Less” _ http://studio_quality_portraits_for_less.weblodge.net

Here’s another good website to check out: “Green Cleaning Products” _ http://green_cleaning_products.weblodge.net

Here’s another good website to check out: “How To Adjust & Repair Your Sewing Machine” _ http://www.silver_dollar.zoomshare.com

Here’s another good website to check out: “Bibles New and Used” http://www.bibles-new---used.zoomshare.com/

Here’s another good website to check out: “Affiliated Website Designers” http://silver-dollar-affiliated-website.blogspot.com/

Here’s a good Forum to check out: http://dachshund_forum.forumotion.com

Lips

Lips are one of the brightest and most important detail of female appearance. Beautiful, sexy and healthy lips at once attract attention and draw a sigh. Now a thousand women would like to make their lips plumper and juicy. For this purpose they even resort to injections and surgeries which are so popular today.

But if you do not want expose yourself to painful injections and procedures, you can use other ways for giving to your lips plumpness and sexuality.

Cosmetic surgery providers often advise their patients that many options now exist for improving the appearance of the lips. Most practitioners also admit that successful lip augmentation is highly dependent on the skill of the provider, with that skill stemming from many years of experience injecting the lips of many types of patients. Moreover, the surgeon must master the various injection techniques. With many injectables, the benefit to the patient is an immediate return to normal, usual activities. A few surgeons offer a procedure known as surgical flap augmentations in which small sections of skin near the lips or inside the mouth are excised and added to the lips. But the technique does not add volume and achieves only a slight outward protrusion of the lips.

© Copyright 2011 by Preston Smith, Silver Dollar Press\Walker Enterprises. All Rights Reserved.

Here’s a good website to check out: “Studio Quality Portraits For Less” _ http://studio_quality_portraits_for_less.weblodge.net

Here’s another good website to check out: “Green Cleaning Products” _ http://green_cleaning_products.weblodge.net

Here’s another good website to check out: “How To Adjust & Repair Your Sewing Machine” _ http://www.silver_dollar.zoomshare.com

Here’s another good website to check out: “Bibles New and Used” http://www.bibles-new---used.zoomshare.com/

Here’s another good website to check out: “Affiliated Website Designers” http://silver-dollar-affiliated-website.blogspot.com/

Here’s a good Forum to check out: http://dachshund_forum.forumotion.com