Credit card tips

 Free Deals  Comments Off on Credit card tips
Dec 092021
 

Credit cards are widely in use because of the convenience and easy access they provide. If you own too many credit cards then it is necessary that you follow some credit card tips.

1. You should avoid cash advances whereby interest free periods offered on credit card accounts don’t apply to cash advances. Most of the times, you will pay interest on the cash right from the time you have withdrawn it.

2. Whenever you use a credit card make sure that it is most suitable to your way of spending. If you are using a credit card for extended credit whereby you don’t pay off the balance in full each month you should choose a card with a lower rate of interest. It may not be offering any interest free period but the lower rate of interest will save you much in the long run. On the other hand, if you use a card for paying for day to day purchases then you should go for a card with maximum interest free days and try to pay it off in full every month.

3. If you are eligible for a relationship discounts that are available from banks and credit unions for those who consolidate a range of banking business with one institution. Many home loans, personal loans rates and discounts are offered as such.

4. You should not get distracted by various offers that are issued by credit card lenders including introductory interest rates, reward programs or insurance. You need to look at the overall ongoing cost of credit of nay credit option you choose.

5. You need to watch out for the increasing range of ancillary fees and penalties charged for using your credit card and it’s not the annual fees and interest rates that you should worry but you should consider for late payment of your fees, issuing secondary cards on same account, replacing a lost card, duplicate statements etc.

6. You should avoid paying interest upon your credit purchases where you should pay the full outstanding balance on your statement by the due date. In case you fail to do so, you shall be charged interest right back to the date of purchase.

7. You should keep a look for a wide range of offers given by financial providers and choose the best deal.

8. Try to maintain credit card security as fraud is growing day by day.

9. You should try to make low interest rate credit cards work for you.


For more information visit our recommended website credit-card-debt-consolidation-guide.info

Best Personal Loans In UK: A Bouquet Of The Best Opportunities.

 Free Deals  Comments Off on Best Personal Loans In UK: A Bouquet Of The Best Opportunities.
Dec 082021
 

Personal loans can be defined as a key to open the door of personal desires. Personal desires can be different according to the individual’s choice, but money is mandatory to transform all desires into reality. And for that personal loans are the best alternative. Now, being a UK borrower, you can get the benediction of the best personal loans.

Yes, now personal loans are facilitated with the best opportunities. These are as follows:

Avail loans in accordance with your choice:

Generally, choice of loans varies according to borrowers’ needs. Some may prefer those loans that will help them to borrow high amount at low interest rate, some may want to avail a loan that is risk free. With best personal loans, borrowers will get an option to choose loan according to their choice, as these loans are available in secured and unsecured forms.

Obviously, for applying a best secured personal loan, borrowers will have to pledge security against the loan amount. As security covers the risk of lending money, thus a borrower can borrow relatively high amount ranging from £5000 to£75, 000 along with a repayment period of 5-25years. Thus, the interest rate of these loans is usually lower.

On the other hand, unsecured loans are perfect for those who have no property to place against loan. Even those who do not want to take any risk with their property can also avail these loans. These loans are mainly short term basis loans, given for 5-10years. A borrower can borrow anything from £5000 to £25, 000 as an unsecured personal loan. But, the rate of interest of these loans is comparatively high as these loans are available against no collateral.

Loans for all:

Best Personal Loans are made for all sorts of UK borrowers. Therefore, these loans are also obtainable for those borrowers who have bad credit score like, CCJs , bankruptcy, IVAs, Defaults, Arrears etc. These loans are offering them a chance to improve their credit score and eradicate their bad credit history.

Swift availability

Besides traditional lenders, UK borrowers can find out the best personal loans over the Internet. It’s rather easy to look for a best deal through online as it is less time consuming. Borrowers just need to click the mouse and within few seconds, they can get different web sites, providing best personal loans. Hence, by browsing different loans sites a borrower can easily get the best deal in a minimum time.

The best personal loans can be used to fulfill various purposes. Some common purposes are as follow

• Wedding Purposes

• Holiday purposes

• Business Purposes

• Home improvement and many more

Now, it is easy for a UK borrower to fulfill his personal desires, as personal loans are customized with the best opportunities. These loans are made for all. Thus, all UK borrowers -homeowner, tenants, and borrowers with poor credit history can avail these loans to turn their desires into reality.

Low Price Mobile Phones, ipods & Computers with the Online Shopping Revolution

 Free Deals  Comments Off on Low Price Mobile Phones, ipods & Computers with the Online Shopping Revolution
Dec 072021
 

There’s a revolution going on, but you won’t be hearing the shouting in the streets, unless it’s over the great deal that your neighbour got on his new home cinema. More and more UK consumers are doing their shopping for mobile phones, computers, cheap ipod accessories and ipods and home cinema equipment online. What kind of low prices can you expect when you let your fingers do the shopping on your keyboard?

How about the 4GB Nokia N91 Chromium mobile phone, a veritable jukebox that can carry along all of your favourite tunes and beats for a mere £387, a savings of nearly £100 off retail? Or the top rated Sony Ericsson at £129, a 30% savings off the manufacturer’s list price? Those are just a couple of examples of the sort of deals that you’ll find if you’re looking for low price mobile phones online.

If you’re shopping for computers, the discounts can cut even deeper. Computer manufacturers and discounting web sites are playing a game of ‘how low can you go’ with computer prices. By shopping online and comparing prices, you can find deals as low as £360 for a full desktop system with all the bells and whistles you need to do your basic computing and online puttering. If you want to get really fancy, though, you can do some hardcore shopping for the sort of accessories that make computers into one of a kind gaming machines.

How about an Ipod Shuffle for less than £50? A 30GB Ipod for less than £200? Shop online and you’ll find dozens of offers at prices that low, some with free postage and 1-2 day delivery. There’s virtually nothing you won’t be able to buy online, and for far less than you’ll pay at your local stores. Even home cinema equipment is priced at a bargain – and if you shop the right sites, they’ll even deliver it and set it up for you to be sure it’s all working right.

But is it safe to buy high value items like computers, Ipods and home cinema equipment online? According to no less an authority than Consumer Reports, a long time consumer watchdog keeping an eye on issues of product safety and consumer satisfaction, it’s not only safe, it may be better than shopping in a bricks and mortar store. In a recent survey, the well known magazine found that its’ readers were more satisfied with their experiences shopping online for consumer electronics like mobile phones, digital cameras and computers than they were with the same products bought in a local store.

You can find the best deals on mobile phones, computers, Ipod accessories and Ipods and home cinema equipment online where you can compare prices and offers to get the absolute best, lowest price on all your home and entertainment electronics needs.

Tips for Successful Negotiating by Phone

 Free Deals  Comments Off on Tips for Successful Negotiating by Phone
Dec 062021
 

Most of us negotiate something every day. Whether it’s getting our kids to willingly clean their rooms, or hammering out an elephant-sized contract with more details than a politician has “special-interest” donors, our ability to haggle effects our results. Here are some useful negotiating tips.

1. Define Your Negotiables Other than Price. Inexperienced, unconfident, or plain old lazy reps take the easy route and drop price at the first sign of the other person seeking to get a better deal. Instead, first determine what you could offer, if needed, that has high perceived value to them, but little cost to you. For example, moving up the delivery date if they need it quickly, extending the warranty period . . . some distributors and suppliers like to throw in some products the customer isn’t buying. This has high perceived value, and gets the customer to test the new product, which might pay off with future purchases.

2. Analyze Your Strengths, Their Needs. Before calling, list what you know they require and emotionally want, what you have, and what you want. You might know that this buyer always tries to pound you on price, but you also know you’re working from a position of strength because you’re the only one who has the quality of product he needs.

3. Set Your Objectives. Just like every call, define, “What do I want them to do as a result of this call, and what do I want to do?”

4. Aim High, Set Minimums. As part of your objectives, swing for the fence! Think big. Set the most favorable objective possible (one that is within reason). The richest sales reps I know can’t believe anyone would think otherwise. Likewise, set minimums that you’re willing to accept. You’ll know how much you have to play with.

5. Prepare for their Possible Tactics. It’s easier if you know the person. For example, knowing that Joe always starts with an outrageous request helps you prepare your counter-tactic. Otherwise, you need to dry-run through possible demands and tactics along with your responses so you’re not blindsided into giving away something you didn’t intend to.

6. Gather Information. As with all sales calls, the more you know the better.

7. Don’t Give More Information (or Anything Else) than Necessary. I’ve seen sales reps offer price concessions that weren’t asked for (“The price starts here, but I might be able to do a little better.”), and give up information that the customer used to ask for more concessions (“You mentioned another customer had additional training manuals thrown in free. I want those too.”)

8. Don’t Split the Difference. It’s human nature, but it costs you money. Let’s look at the math. Your asking price is $50. They offer you $30. You counter with $40 and they figure splitting the difference is fair. Your tactic: come back with a pained tone of voice, “I might be able to do $46 or $47.” It’s more likely you’ll end up better than $40.

9. Trade Your Concessions. Get something in return. If you get them the better volume price, ask for a commitment for a blanket purchase order. One-sided giving rarely makes for a healthy relationship.

10. “If I, Will You?” A tactic to accomplish the previous point. Before agreeing to what they want, get commitment on what they’ll give in return. “If I’m able to move your request to the front of the line, will you increase the order by 500?”

I believe I read this in an ad in an airline magazine for a negotiation seminar: “You don’t get what you deserve; you get what you can negotiate.”

The Internet: How to save time when booking a bargain package holiday

 Free Deals  Comments Off on The Internet: How to save time when booking a bargain package holiday
Dec 052021
 

One of the difficulties facing travel companies is that there is no “one size fits all” solution when it comes to providing for customer’s travel needs. Many factors cause our needs to change over time, such as how much disposable income we have, how much free time we have, whether we do or don’t have children, and they mean that in reality every holiday maker wants something different.

For travel companies, trying to satisfy such diverse customer needs is a constant challenge. Now, with the mass adoption of the Internet, customers have an extremely powerful tool to tailor-make their own holidays -and this is what they are doing in increasing numbers.

A large number of on-line travel companies have sprung up over the last five years offering the component parts that go to make up a holiday (flight, transfer, hotel) but this seemingly endless choice can actually lead to a fairly negative on-line experience. After too many hours spent researching online and then attempting to make bookings with two or three different suppliers, potential customers sometimes justifiably conclude that half an hour spent with a traditional high street travel agent might actually look like better value.

To help get through the process and reduce the amount of time wasted it really helps to do some thinking first. Apart from the obvious things like where and when you want to travel, it helps to have answered the following questions:

1. Do I want to buy a package (flight, transfer, accommodation booked as one item) or do I want to attempt to save money (or tailor the holiday to my specific requirements) by booking my holiday components separately?
2. Do I want the reassurance of booking a holiday with a brand that I am familiar with or am I happy to try somebody new?
3. Am I confident enough to deal with any issues that may come up whilst I’m in resort (as, unlike on a package holiday, there will be no representative to turn to)?
4. Do I want to book a holiday that is covered by some sort of financial protection scheme such as ATOL or do I not mind either way?

There is no doubt that one of the key trade-offs customers need to make when booking on-line is between how much “reassurance” and “supplier accountability” they want (if something goes wrong) versus how much “tailor making” and perceived cost-saving they want.
There is a spectrum which reflects this trade-off right from, at one end of the scale, buying a two-week brochured package holiday from one of the major players such as First Choice (firstchoice.co.uk) or Thomson (thomson.co.uk) up to the other end of the scale where somebody goes to British Airways (ba.com) to buy a flight, Sol Hotels (solmelia.com) for the hotel and Holiday Taxis (holidaytaxis.com) for the transfer.

All the way across this spectrum are a huge number of other suppliers and online companies who are providing services that fall between the two extremes. The best-known examples of this would be Expedia (expedia.co.uk) and Opodo (opodo.co.uk) which are examples of sites that provide a “one stop shop” to give customers the feeling that they are “tailor making” a holiday and making a good cost saving but still give customers the feeling that, because they are dealing with one travel agent, a “safety net” is in place.

There is then an interesting new breed of online travel companies who are different yet again in terms of what they offer. This group is different in a number of ways:

1. They are typically ATOL bonded which means there is a financial guarantee in place if they were to have financial problems (details at caa.co.uk).
2. Through advanced technology they link to as many flight and hotel options as any of the other sites – often sharing the same hotels.
3. They offer an “on call” representative service in resort so they are only around if you need them.
4. They offer “package” holidays but their packages are made up of “components” from many different suppliers and presented to customers in one transaction. A recently launched example of this is Fresh Holidays (freshholidays.com)

All of the sites mentioned above have an online booking capability and all work reasonably satisfactorily. Most of the major travel web sites are now quite slick in the way they take customers through the booking process which means that the time consuming part when booking on-line now is the research phase.

Many of the shopping comparison sites such as Holiday Watchdog (holidaywatchdog.com) offer opinions from people who have actually stayed in the different properties but the best known for researching travel options is Trip Advisor (tripadvisor.com). This is a justifiably popular site that provides a rich vein of comment on most of the major hotels in the world and is always a good place to start.

Best of luck with your mission!

Low Cost Ways to Make Money Online

 Free Deals  Comments Off on Low Cost Ways to Make Money Online
Dec 042021
 

Many people have realized that they can turn their computer into a money making machine. There are many ways you can make money with your computer. This article will show you several low cost ways to make money on the net.

Sell Products or Services Online
You can set up an online store to sell a wide variety of products. However, it will cost you few thousands dollars to start an e-store. One way to start an online business with minimum capital is deal with drop ship wholesalers. So how drop shipping works?

– A drop ship distributor is a wholesale company that will ship one product directly to your customer.
– You don’t need to pay for an item unless it is sold.
– You don’t store any inventory.
– You don’t package and ship merchandise.
– Your customer pays the retail price for the product to you and you pay the cost of the product to the drop ship distributor. The difference is your profit.

Drop shipping system makes it affordable for anyone to start an online business due to the benefits it offers. EBay is the best place for you to start selling your products with drop shipping system. One strategy you can try is sell the similar items to the one that have attracted several bids in eBay. For instance, say you have opened an account with a cell phone drop ship dealer and ready to sell cell phone on eBay. You found that a Nokia 8810 cell phone have attracted 7 bids, so what you can try to do is list the similar item immediately with lowest price possible. Of course, there is no guarantee that you will make any money with this strategy. There are many more auction selling ideas you can find from the Internet which can help you make a steady income on eBay.

Be a Freelancer
There are many freelance job sites consist of a long list of freelance job contracts. These freelance sites usually offer the following jobs:

1) IT jobs (web-design, Jawa, PHP, script-installation, programming, graphic design and so on)
2) Writing & Editing Jobs
3) Administrative support (Data entry) & accounting services.

You may join several freelance sites for free and start bidding for the projects and contracts that are right for you. You can also make extra money writing articles and essays. There are places and websites where you can sell your articles and essays for a price anywhere between $5 to 25 per article. Furthermore, there are forums and blogs offer to pay anyone who post message and article to their websites.

Be an Affiliate
Affiliate makes money online by selling other people’s stuff. An affiliate earns commission whenever someone sent by him/her to his/her merchant’s website makes a purchase. Clickbank is one of the best places you can find an affiliate program to join because it is the largest e-book store and contains a ton of merchants looking for people to sell their e-books. The main task of affiliates is promote and advertise their merchants’ websites (affiliate links). One method to promote affiliate program is advertise on Google. To advertise on Google you’ll first need to open a Google AdWords account. You can start advertise on Google immediately after paying $5 account activation fee. Your cost of advertising is calculated in pay-per-click (PPC) basis. This means that Google will only charge you whenever someone clicks your text ad.

Paid Survey
Taking online paid survey at home is an easy way to make money online as you don’t need any special skills and knowledge to complete paid survey job. In order to increase the money you can earn, you need to join as many market research and survey companies as possible. However you can’t expect how much money you will make monthly because you have no idea when a paid survey invitation will send to your mail box. Thus it is not an ideal way to make a wage but a great way to make some extra income for paying your monthly bills.

Read This Before you Submit to Web Directories

 Free Deals  Comments Off on Read This Before you Submit to Web Directories
Dec 032021
 

As the number of websites grow everyday, it is becoming increasingly difficult for a new site to attain good rankings on search engines. Since major search engines factor link popularity heavily into their ranking algorithms, building relevant links to your site is perhaps the single most important component of search engine optimization.

For a new site with no or few inbound links, buying text links on more established related sites could provide a boost to your link popularity. But this strategy could prove prohibitively expensive, especially in a highly competitive market where you’d have to buy lots of links to catch up with the competition.

Web directory listing represents a viable alternative to link buying. Apart from driving traffic to your site through direct referrals, web directories provide one-way inbound links to your site, boosting your link popularity and ultimately improving your search rankings.

There are thousands of web directories on the net, with dozens sprouting up every day. Some are general directories; others cater to specific niches. Some are free; others charge inclusion fees. Some are free only if you provide a reciprocal link in return. Many feature both free and paid listings.

The main advantage of a paid listing is the luxury of having your site listed quickly above everyone else’s. Free submissions may take several weeks or months for review. If you work on a limited budget, you may want to submit to a handful of paid directories and a few hundred free ones.

Some directories charge inclusion fees that are too high for the listing to be cost effective. When considering a paid listing, look at not only the Google PageRank of the homepage of directory, but also that of the subpage where your link will actually reside. While it may seem like a good deal to have your site listed on a PR5 directory for $15, the offer becomes far less attractive when you find out that the internal page where your link is placed is only PR2.

If you’ve ever submitted to web directories before, I don’t have to convince you that the process is extremely tedious and time-consuming, especially when you submit to a large number of them. Unlike search engines that send out robots to index web pages, web directories rely on more detailed submission forms to gather information about your site. Since each submitted site must be reviewed by a real person, most directories require that submissions are also performed by a real person, as opposed to an automatic script. Many directories use a visual code verification process to prevent automated submissions. Apart from complying with the directory’s guidelines, manual submission is the only way to ensure that your site is submitted to the proper category.

Because of the time involved in manually submitting your site and the sheer number of directories on the web, it’s important that you know which directories to submit to. Obviously, you’d want to submit to only the high-PR directories and avoid the low-PR ones, right? Not really. Just because a directory has a low PR does not mean that it’s not worth submitting to. The directory may be brand new and has not been around long enough to be ranked by Google. In contrast to the more established directories that continually experience a back-log of submissions, newer directories tend to review and list sites more quickly. As the directory becomes more popular, so will your link. So, don’t judge a directory solely by its PageRank; rather, base your decision on the overall quality of the directory.

Another important thing to look at is whether or not the directory you submit to is search engine friendly. Search engines like static web pages whose contents stay the same regardless of who visits the page, or when they visit, not dynamic pages that are created on-the-fly. Browse to a couple of categories and look at URL in the navigation bar. If the URL looks like, http://www.godirectory.org/links.php?ax=list&sub=42&cat_id=245, it’s probably not search engine friendly. An example of a static, search engine friendly URL is http://www.godirectory.org/dir/713/index.html (notice the “.html” suffix).

Another question to ask is: How easy it is to submit to the directory? How many hoops do you have to jump through to get to the submission form? When you finally get to the form, how many fields does the form have? A directory should ask for pertinent information like your name, email, URL, link title, link description, and keywords, but it should not look like a job application. With the exception of a handful of major directories like DMOZ and Yahoo, you should not have to spend more than 3 to 4 minutes to submit your site.

Another consideration is whether or not the directory has a category specific enough for your site. For optimal SEO benefits from your listing, your link should grouped under a specific category containing sites whose contents are related to yours. Such a grouping makes your listing more relevant in the eyes of the search engines, as well as providing an easier way for visitors to the directory to find your site.

Simply having your site listed on a directory is not enough. Your choice of the link title can determine how much impact your listing will have on your search engine rankings. Ideally, your link title (or “anchor text”) should contain the keywords that you want others to search for to get to your site. Since most web directories require a unique link title, however, it may not be possible to select a common phrase like “Free Web Directory” as your link title. This title is likely already taken by another web directory. Simply prefixing the phrase with your domain name, e.g. “GoDirectory.org Free Web Directory”, would make the title unique.

Oftentimes, a directory would have several related categories that are suitable for your site. How do you decide which one to submit to? Ideally, you’d want to submit to the category that has the highest PageRank. However, this may not turn out to be the wisest choice as your link may be buried among a zillion other listings. Going with a lower-PR category with fewer competing links may prove to be more beneficial. When choosing from multiple related categories, choose one with a good balance of relevancy, Pagerank, number of competing listings.

In sum, submitting to web directories is a highly effective link building strategy that should be an integral part of any search engine optimization campaign. Manually submitting to a large number of directories is both laborious and time-consuming. Just keep the above points in mind to make the most of your time.

Giving you wings to fly – Bad debt unsecured loan

 Free Deals  Comments Off on Giving you wings to fly – Bad debt unsecured loan
Dec 012021
 

Taking a loan the secured way is always considered as a better option. But what about the risk involved for a borrower in such a deal. The risk of losing your property, the stress involved takes away your sleep and leaves you in a state of anxiety. With bad credit adding up to hurdles in your way of getting a loan you can always go for a bad debt unsecured loans.

What is an unsecured bad debt loan?

An unsecured bad debt loan doesn’t require you to put your asset at a stake. You can get many lenders in the market who are ready to offer you their money in form of a bad debt unsecured loans. You may be worried about the difficulty of visiting each and every lender’s office. But need not to worry as most of the trusted lenders have their own websites. You can always search for them on internet, get free quotes from them. These websites also offers comparison tools for quotes and loan calculators to find out the amount you need to pay with interest after taking the loan for a particular period.

How can I use the loan amount?

Unsecured Bad Debt Loans can be used for any of your personal purpose. You can use the loan amount for funding your wedding plans, children’s education, buying property (home, real estate), home improvement, for business purposes, traveling or for consolidation of your debts.

Rate of interest

An unsecured bad debt loan comes with a slightly higher rate of interest. This is due to absence of any security. These loans take less time for their approval which makes them a good instrument to cater your urgent needs.

What role does credit score pay in approval of the loan?

Bad debt or bad credit means a lot to any of the lender you are dealing with. After all the lender is giving you his hard earned money, he also needs some security or assurance that he will be getting his money repaid. Your credit score gives him this assurance. But it happens with most of the people that are denied from taking the loan and when asked, it is said that your credit score is not good enough.

How is credit score calculated?

Credit score is calculated by credit rating agencies such as Equifax, Experian, and Transunion which regularly keeps an eye on your financial status throughout the year. You can get your credit report from these agencies at some charge. This will help you get a better hold of your debts.

How can I apply for an unsecured bad debt loan?

Applying for an unsecured has been made so easy with online application forms. You may be asked for information such as name, address, contact information, loan amount you are asking for, repayment term you need according to your ability. Once you fill an application form with appropriate details lender themselves will contact you with their services.

So going for an unsecured bad debt loan can get you where you want to be by fulfilling your financial needs without any collateral.