The Truth Bar » 2009 » March

March 30th, 2009 by Administrator

Issued by Citibank, the Diamond Preferred Rewards Card is specially designed for consumers with an excellent credit score, and who plan to take advantage of Citibank’s ThankYou Network reward program.

Through the Citi Diamond Preferred Rewards Card, cardholders are entitled for five reward points for every dollar spent at selected supermarkets, drug stores and gas stations. However, this five-points-to-the-dollar offer is only valid for the first twelve months of membership. Once that’s over, the regular reward system only awards one point per dollar spent, just like all the other purchases made to the card.

These earned points can be redeemed for all sorts of products and services from merchants such as Toys “R” Us, Home Depot and Starbucks. Additionally, cardholders are provided with the option to reduce the APR on the card for purchases and cash advances, something of a rarity amongst competing credit cards. However, there is a cap of 75,000 points earned in a year with points expiring within five years.

Interest rates for the Citi Diamond Preferred Rewards Card are also comparatively low in addition to no annual charges. On top of that, the 0% introductory rate is a splendid twelve months that can be applied towards balance transfers. Unfortunately, the interest rates for cash advances are based on a minimum of 19.99%. This means that even if the Prime Rate drops, you still have to pay through your nose should you come into some sort of emergency requiring a cash advance.

Nevertheless, the Citi Diamond Preferred Rewards Card is a reasonably packaged credit card. Cardholders planning to take advantage of the five point bonus and the 0% intro APR within the first twelve months will reap the most benefits. Nevertheless, those who don’t will still get to enjoy the standard platinum cardholder benefits provided by Citibank.

For more information or to apply for the Citi Diamond Preferred Rewards Card, Eric Wasselman recommends Find Credit Cards.

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March 29th, 2009 by Administrator

Most people who are of an age to care about their credit are aware that the three main credit bureaus, Experian, Trans Union and Equifax, maintain credit reports on them. The bureaus keep track of loans, credit cards and bankruptcies and make note of whether each consumer pays his or her bills on time. Most people are also aware that their credit history is also available in the form of a credit score, which is, in essence, their overall credit worthiness reduced to a three-digit number.

Beyond that, many people have, at best, a vague understanding about how their financial transactions are regarded by the credit bureaus. There are a number of myths and misconceptions about credit reports and credit scores and how they are affected by things people do financially. Here are a few examples of these popular misunderstandings:

• A consumer has only one credit score – Not true. Each bureau keeps track of financial transactions independently of the others and may have more or less information to work with than the other bureaus. Plus, until recently, each bureau used their own scoring system. In all likelihood, if a consumer were to contact each bureau to obtain his or her credit score, the result would be three completely different figures.
• Your salary affects your credit score – Your score is simply a reflection of how well you handle the credit available to you. If you earn more money, you might have more available credit, or not. Either way, the score is simply a reflection of what type of credit you have and whether you pay your bills on time. How much you earn is not part of the equation.
• Canceling a credit card raises your score – Not necessarily true. Credit bureaus examine how much of your available credit you are using. Less is more; the bureaus like to see that you are using as little of your available credit as possible. If you owe a lot of money on credit cards and you cancel an unused account, it may look like you are using a larger portion of your available credit. That will actually raise your score!
• Marriage merges credit reports – Your credit report is your own. That will not change if you get married. Jointly borrowed money will show up on both reports and will affect both of your scores. And just as marriage doesn’t merge the reports, divorce won’t separate the joint items. If you get divorced and your ex doesn’t pay on your joint loans, your score will decrease.

The process of compiling credit scores is a complicated one. It’s understandable that many people don’t entirely understand how the system works. Perhaps the best way to keep tabs on what is going on with your own finances is to check your credit report regularly. You can get a free copy at AnnualCreditReport.com.

©Copyright 2006 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including http://www.End-Your-Debt.com, a site devoted to debt consolidation, personal bankruptcy, establishing credit and credit counseling.

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March 28th, 2009 by Administrator

The number of Americans struggling with bad credit is not showing any signs of decreasing. Rather this segment of the American population is rising in numbers. This
reality, does not come as a surprise to most people.

Most consumers can attest to the fact that rising health insurance costs, gas prices, education fees, rent and mortgages costs are taking a toll on the best of us. Add this predicament to job cuts, low increases in pay and your have a perfect storm of consumers relying on their credit cards and loans to pay for their everyday expenses.

If you’ve been through the pain of a car repossession, bankruptcy or foreclosure – you may feel like, you will never get out of the hole.

This is not true.

The key to restoring your financial health is to understand that the situation is temporary. Bad credit is not a permanent situation. Your FICO score is an indication of how you’ve handled lines of credit, in the past. What this means is that, if you are serious about fixing your credit, you can get a new line of credit and start paying your bills on time. This will prove to your creditors that you are responsible.

If you have not done so already, you can get a copy of your government credit report – it’s free per the Fair Credit Reporting Act (FCRA). Your credit report will detail any loans and credit card bills that are delinquent and/or in good standing.

Anytime, is a good time to start rebuilding your credit. Start today.

Find free debt management credit counseling advice, including debt consolidation information, the statute of limitations on credit card debt, how to dispute credit report errors and what goes into your FICO score at http://www.poorcreditgenie.com.

Access other resources including loans and credit cards lenders for people with bad credit.

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March 24th, 2009 by Administrator

A Barrister’s bookcase is a unreformed bookcase that is believed to have originated in Britain. Its distinguishing feature is a clear field glass front end. This glass face is hinged at the top allowing someone comfortable admittance to volumes and other legal papers merely by raising the glass door. A Barrister’s bookcase is ideal for just about anything. Barrister bookcases were frequently used by attorneys since it was necessary for them to keep on moving. Nowadays, they are really favorable, particularly if one is ever moving. This is because of the doors. This enables volumes and collectibles to be moved while still inside the bookcase while still holding them.

These great cases

Barrister’s Oak Book cases also have the advantage of helping to protect the collectibles from junk. They offer excellant protective cover. Except junk, sunlight is also blockedby having the doors outfitted with tempered glass. . sun impacting This in turn maintains the books coloring and its bindings from withering.

This special kind of shelves, despite many benifits,often are rather expensive. As Luck Would Have It, their many advantages have moved some producers to start producing replica editions and some in modern versions at very reasonable prices. Many editions have simple appearances and can be made to fit a particular decor. They can also be made into customized.The fact that they can be stacked together allows them to be easily used to create very interesting unit arrangements. Some can be used to create end tables, pulpits or even dinning tables.

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March 23rd, 2009 by Administrator

One of the latest buzz words going around is destination lifestyle. Johns Island, S.C. is one of the best examples of the destination lifestyle. This is a beautiful island where you can find a fantastic range of things to do in a setting where tradition meets modernity. On Johns Island you will discover a lifestyle that suits you, no matter what your tastes are. If you are a golfer, chances are you have heard of Johns Island. In and around the island you will find several of South Carolinas top golf courses. The state has been known for its golf culture for a long time. To this day, keen players from across the country continue to flock to this region to experience its fabulous golfing lifestyle. There are quite a number of real estate complexes on Johns Island, S.C., so you will have no problem finding one that suits your way of living. Many of the housing developments are very exclusive, with lavishly appointed mansions, while others feature charming, traditional South Carolina-style homes. Anywhere you look, you will see that there is plenty of wonderful real estate on Johns Island.

To find out if Johns Island would suit your ideal destination lifestyle, check it out for yourself. Whether you visit the island or start by consulting a real estate agent near you, you are sure to understand the attraction of Johns Island.

Posted in Lifestyle Info, Profitable Real Estate, Travel Resources | Comments Off

March 18th, 2009 by Administrator

Many in America are worried about false and degrading information on their credit reports. In fact the problem is so bad that it is said to be that one in three Americans have bogus information on their credit report. The Federal Trade Commission has been put in charge of enforcing the FACT Act or Fair and Accurate Credit Transactions (FACT) Act. In their request for their FY 2007 Budget the FTC stated that:

“The FTC continued to implement and use, the Fair and Accurate Credit Transactions (FACT) Act to further address the problem of identify theft. Consumers nationwide now are able to request a free annual credit report. In November 2004, the FTC issued its final rule regarding the proper disposal of consumer report information and records, the final summary of rights for identity theft, the final summary of general consumer rights, and revised furnisher and user notices.”

Yet if you read this carefully they did little if anything to help consumers, instead passed off their obligations to corporate credit reporting companies in my opinion of which there are only four. The FTC then used this as a reason to request more funds from Congress in FY 2005, yet they embellish their actual involvement and protection to the consumer.

“In December 2004, the FTC issued a report to Congress on credit report accuracy and completeness.”

So what they made a report? Big deal how does this help the consumer who is paying the bill with US Taxpayers monies? But they go on to state:

“In January 2005, the FTC issued the final regulation to improve required notices in prescreened offers for credit or insurance. And, in June 2005, a new rule required businesses and individuals to take appropriate measures to dispose of sensitive information derived from consumer reports. The FTC also continued to work on the numerous additional rules and reports mandated by the Act.”

So here we are in 2006 and so far all the FTC has done is hold hearings, written two reports and states they need more money to continue to work on it? What on Earth are we saying here? That the FTC once it gets something to do, whether or not it does it or not, it still requires more taxpayers money? What on Earth for? Close that agency; they are wasting our money in my opinion. Consider this in 2006.

“Lance Winslow” – Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; http://www.WorldThinkTank.net/wttbbs/

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March 18th, 2009 by Administrator

Let me start off by saying I’m not a marketing guru or work for a fortune 500 advertising company. I don’t even have a marketing background. But if you don’t have money to blow on optimizing your site, then listen up.

Search engine optimization guidelines are more mysterious than Michael Jackson’s bedroom. About once a week I read about how Google’s algorithm is changing. They must have a dozen mad sciencetists working around the clock. Google just wants to be the perfect search engine. That’s all well and good, but gives us a breather here! Maybe they’re trying so hard cause they no longer hold 80% of online searches. MSN and Yahoo have built their own proprietary software, leveling the playing field a bit. A study done by www.searchenginewatch.com shows Google under 50% for US online searches. Yahoo is second with 21% while MSN ended third at 12%.

So what does that mean? Actually…not much. Unless you’re ready to do a PPC campaign or your company is a household name the odds of getting listed right away on the big three are pretty slim. But don’t despair. With a little patience and some hard work you will get listed.

So here are the steps:

Submit submit submit. Forget about the big three along with their affiliates for now. Instead submit to the multitude of search engines that will post your site for free. If you like I can send you my list free of charge. Just email me at [email protected] with the subject title “Free List”. Remember, you’re playing the numbers game here. Most of them are free with incentives to pay if you want your site reviewed quickly. Also submit to directories and comparison shopping portals such as www.bizrate.com. Here’s a tip when submitting to directories. Directories such as www.lookdirectory.com don’t rank your sites. They place them by category alphabetically. Just because your company name is Zachs Toy Zebras, doesn’t mean that’s what you have to name your site when submitting it. You can call it #1 Toy Zebras. Now your site will be placed right on top for all to zee, I mean see.

Fine tune your keywords and they will come. Make them as relevant as possible. For example, let’s say you sell Susuki speed boats and your company name is Jacks Suzuki Speedboats. Your first keyword should be Susuki speedboat, not speedboat or boat. You’re selling to a specific market that will search for a specific item. If your keyword terms are too broad you’ll probably get more traffic but not necessarily more sales. This could get costly if you’re doing a PPC campaign. Remember that tag word K.I.S.S.? I’m changing it to “Keep Is Specific Stupid”. Also have the first sentence on your page say Suzuki speedboats. When those little web bots come strolling to your page they will see the term Suzuki speedboat in the store name, first keyword and first sentence in the page body. A very relative site to the web bots. Here’s a perfect example. I did a search on “Suzuki speedboat” and this site came up number four. The URL is www.globalsuzuki.com/gcm/spotlight/marine002.html You will notice the word Suzuki as part of the company name. Now if you right click on the page and view source code you can see that the title tag says “Suzuki” and close to the top of the body are the words Suzuki. Do you think that’s a coincidence? Also, if you do a search in MSN for “reverse balding” or “stop DHT” you will see my site www.endbalding.com in the top four and three spot respectively. Feel free to view my source code to validate what I’m saying. It took a little over a month to get my page listed on MSN.

Make sure to use the H1 tags on your main page. Primarily as a header for your product. Web bots see this tag as an important item. Now don’t misuse these tags and place them all over your site. You might get penalized for that. Given that the H1 tag is so large it may not look quite right on your page, don’t fret there is a fix. All you need to do is place the tag between your H1 tags. Use whatever font size you feel is right for your page.

Links will still be an important part of your marketing. Again be selective. If you sell computer books don’t link with a site that sells lingerie. This may seem like common sense but I’ve witnessed these errors. Stay clear from those free for all links commonly referred to as link farms. You’ll get bombarded with e-mails requesting to exchange links. And those links may not have anything to do with your site. There are legitimate companies such as www.links4trade.com that provide you with a network of sites for you to choose from and special features that enable you to design your links page with little HTML knowledge. The downside is cost. They charge about $300 a year.

By using these techniques you’ll be on your way to upping your rank in the search engine battle within a few weeks.

William Cortes is a freelance writer and entrepreneur. His parent company NetAd owns http://www.endbalding.com which is a re-seller of an amazing hair growth product.

Posted in Search Engine Optimization Management | Comments Off

March 17th, 2009 by Administrator

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March 13th, 2009 by Administrator

Hair Thinning is definitely one of the most distressing diseases men & women have ever suffered with. Loads of individuals look upon their hair as; a crucial element of one’s distinctiveness, a main element of one’s self. Hair & hair loss is recurrently viewed as symptoms of one’s true youth. That is why people are continuously sickened whenever faced with the probability of balding. So people often do all they are able to do & trust everything they hear in order to ensure that they preserve that fantastic hair of theirs as thick and as strong as can be.

Hair loss is not unknown in females and is more widespread after the menopause; though; alopecia is not likely to occur in all cases. Instead, in a lot of cases the sufferer will simply see increased hair loss and thinning of the hair; numerous treatment regimes can help to improve the result. While alopecia tends to be socially accepted in men it’s undesirable in females & in scores of instances it can have shocking impact on the sufferer’s emotional condition & self-confidence. Yet you must not worry – hair thinning can easily be prevented & stopped as soon as you know what is causing it & what you need to do.

For sure the most typical type of baldness seen in ladies is androgenetic alopecia, also referred to as female pattern alopecia or baldness. This is seen as hair thinning mainly over the crest and sides of the cranium. It is reported to concern nearly thirty-three percent of all prone females, however it is most traditionally seen shortly after menopause, however it can begin as early as puberty. Typical hair fall is in the region of one hundred to one hundred and twenty-five hairs each day. Luckily, these hairs are re-grown by the systems in the body. It is fact that hair loss occurs when lost hairs are not re-grown or when the daily hair shed goes above one hundred and twenty-five hairs. Hereditarily, baldness can be passed on from either parent’s branch of the family tree. Because baldness affects a large array of men and women; there are a number of solutions available for you to try.

Posted in Best Medical Resources, Health Improvement | Comments Off

March 13th, 2009 by Administrator

The healthcare industry call a swollen prostate benign prostate hyperplasia, or BPH. In layman’s terms this actually means that the prostate, a gland similar in size to a walnut sited just under the bladder and enveloping the urethra, grows larger this can impair and maybe block the flow of urine. As men mature, the prostate engorges and as a result can lead to complaints such as micturition troubles, reduced urinary stream, and also a sense of not voiding the bladder completely after micturition. Too frequent urination during the night and inflammation of the urinary pathway are some of the further symptoms that may arise from a swollen prostate.

Enlarged Prostate Gland – What Does that Mean? Benign Prostate Hypertrophy is thought to be one of the most frequent problems of males over 60. An annual examination is urged for all males over 50, irrespective of the presentation of symptoms, to help sustain better prostate wellness. Inability to urinate or the presence of blood whilst passing water is a sign to seek medical treatment at once.

Treatments for an enlarged prostate may be surgery or the use of drugs. However, surgery can result in further troubles some of which are impotence and even loss of bladder control. Hypertension drugs and medicines which reduce the swollen prostate gland may also be given to improve prostate health, but medication will frequently have unwanted repercussions. Which natural options are available?

Suffering From a Swollen Prostate Gland? Find Herbal Treatments to Reach Improve Prostate Gland : To alleviate the frequent symptoms caused by an enlarged prostate and also to promote better prostate gland health, various herbal remedies may improve the problem. African pygeum swelling, controlling most of any more disagreeable symptoms. The remedy African Pygeum has been used regulary for quite a few years in Europe as a therapy to encourage better prostatic health, it is produced by an African evergreen tree. A decrease of fat in the diet may provide relief, and in addition increasing exercise, an increased frequency of ejaculations may relieve pressure in the prostate gland, it is also advisable to try to avoid remaining seate d for an extended period period. Consumption of non-prescription anti-histamines and decongestants can increase the problems associated with a swollen prostate gland, so consume these sparingly. Cut back on coffee and alcoholic beverage intake, don’t drink close to retiring to keep down multiple impulses to pass water at night. Prostate function can also respond to other natural remedies specifically the herb saw palmetto, borage oil, the chemical element selenium, and also lycopene, which can be found in tomatoes. Before starting some alternative treatment plan please talk about your intention with a medical care professional.

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