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For Those With Bad Credit, Don’t Fret Check Out These Credit Card Offers

Believe it or not, there is hope for those who have in their history a series of bad credits. The fact of the matter is that there are credit cards out there designed particularly for those who have bad credit. These credit cards are also made for those who do not have perfect credit. It also applies to those who are seeking to have their credit re-established.

The following are credit cards from unsecured and secured offers.

Credit card offer from Bank Premiere MasterCard Gold

This particular credit card offers quick decisions in less than a minute. Believe it or not, purchases made on this credit card is covered in an APR that is low. It also reports to at least four credit major bureaus monthly. Plus, you get to access your account thru the phone anytime and every time of the day, 24/7.

The good thing about this credit card offer is that the user gets to enjoy the privileges of one who has a credit card gold. Again, if you have bad credit do not worry. Applying for this credit card is perfectly okay.

Credit card offer from Bank Orchard MasterCard Platinum

For this credit card offer, one gets to enjoy a truly low APR at 8.9%. Also, the user of this credit card comes with a package full of benefits entitled to a MasterCard Platinum. Believe it or not, due dates for the payment will be left to your own convenient choice. This is a perfect option that would definitely fit your special lifestyle.

Plus, the options for payment are also flexible. There is also a hundred percent liability fraud protection. Take note though that balance transfers are not applicable and if you have bad credit, you are more than welcome to apply.

There is also no fees charged up front. You also get to enjoy the platinum prestige enjoyed by others. This particular credit card reports to at least three bureaus of credit every month, take note that this is a plus for your own credit score.

Also, you as the user can have access to bills payment and access to your account anytime you want to for a hole twenty four hours. Your credit limit also increases periodically.

If you have bad credit, do not be afraid to apply, you will most likely be approved.

Credit card offer from Gold Imagine MasterCard

For this credit card, a minimum three hundred fifty dollars worth of credit line is the minimum amount one could possibly get. One is also eligible to be approved online quickly.

If you have bad credit, relax, this card is made especially for you. this credit card offer reports to three credit bureaus. Plus, your credit line gets to increase regularly. The good thing about this credit card is that it is accepted at a lot of locations all over the world.

Hurry as all credit card applications is actually accepted. Take note that balance transfers are not applicable for this credit card.

Credit card offer from new Millennium Platinum Secured Bank MC or Visa

For this particular credit card, issue is a guarantee. There are no such thing as credit checks and one is most likely to be approved whatever one’s credit history or income may be.

All in all, choosing the appropriate credit card for those people with bad credit may not be easy. All you need to remember is find the one that best suits your wants, needs and preferences. Also, choose wisely.

Mario Churchill is a credit card and debt solution professional and runs a website on locating the best credit card offers for your lifestyle. Check it out at http://www.applyforeasycredit.com.

UK Credit Card Tips & General Advice

As Christmas approaches, many of us in the UK will be considering taking out a new credit card to purchases those all essential gifts. With a plethora of card offers out there, deciding which card,if any, is best for you can seem a little daunting

What follows are some useful tips and advice that hopefully will help make your decision a little easier and clearer.

Loyalty/Bonus Cards

As people’s circumstances vary so do the credit card deals on offer. If you intend to clear your bill each month, the interest rate on your card becomes irrelevant as you won’t have to pay it. Therefore you should consider going for a card that offers some form of loyalty bonus such as redeemable points, cashback or air miles.

Interest-Free Offers

These cards are particularly useful for those don’t clear their balance each month. Shop around for cards that offer 0% interest on balance transfers and purchases. The length of these offers tend to vary, so choose one that is appropriate to you needs i.e whether you intend to use the card mainly for purchases or a balance transfer.

Some cards allow you up to 59 days to pay for purchases before being charged interest on them, thus giving you some breathing space to pay for your goods or/and services.

Special Offers

One way to save money on your card debt is to take advantage of the many debt-transfer offers available from most banks. These offers are usually exclusive to new customers and allow you to pay off your debt from a more expensive card at a lower rate for a limited period.

Cash

Although you can withdraw cash from ATM’s with your credit card, it is best left as a last resort as, although convenient, you will pay for the privillage through a steep interest rate.

Plus Points

Using the plastic to pay for expensive items such as jewellery, electrical goods or goods bought online, gives you the piece of mind of consumer protection i.e under the Consumer Credit Act, the card company are liable ( as is the seller of said goods or services) if there is a breach of contract.

This is especially handy if the goods either arrive faulty/damaged or don’t arrive at all due to the supplier, for example, going bust. If any of these scenarios were to arise, you should have the money spent redeemed to your credit card.

Charges

Most cards will levvy a charge against you if you fail to pay your monthly repayment on time, with penalties usually around £20. You will also incurr a charge if you go over your set credit limit. Setting up a direct debit to make your monthly payment will eliminate the possibility of being late with your monthly payment and thus avoid that nasty charge.

What Card Then?

Deciding what credit card to apply for really depends on your personal circumstances and requirements.

If, for example, you intend to do some serious short-term shopping, a card that offers, say six month interest free on purchases, would be more suitable.

If you know in advance you wil be unable to clear the balance in the short term, then a card that offers a low rate for the lifetime of the balance, would be suitable as you will save a graet deal in interest paymnets compared with a card that resorts to a higher rate after any offers expire.

If you are able to clear your balance each month, then going for a card that offers rewards, such as cashback on purchases, would be most prudent.

Joe Kenny writes for the Loans Store offering secured loans and offer more information on car loans and other loan topics available on site.

Principles On How To Find A Good Credit Card

There are different credit cards that will surely put you in deep trouble if you don’t know how to properly use them. It should specifically give a thorough financial sense to you. This matter will be easier to conquer if you will learn the important factors helpful when finding the credit card which suits your needs the best.

-Obtain a credit card having the lowest rates on interests as much as possible. Make sure that you have the capability to pay for the credit card expenses at a particular occasion where you are obliged to pay for the charges. Interest rates will not affect you significantly if you are planning to pay all the charges upon acquiring it in that same month. It is true that 0% APR does not exist because credit card companies would not make money out of that. Great deals on the percentage rates of APR could be found through different ways.

-Choose a credit card that allows a balance transfer wherein you are able to transfer the other balances under the initial APR lowest interest rates. Although these offers are only limited, in the end you will find that it will procure a lot of savings.

-Be always prompt as a customer. Pay the bill on the designated time and keep fair low balances so that you could request for a 0% APR even over a limited period of time. Most companies will find it a good deal because they don’t want to lose their business and their good clients as well.

-Search for different companies offering 0% APR in the internet. Make comparisons when shopping. Some companies offer a zero percent APR to their clients within a year upon acquiring the credit card.

-Always be aware of the terms and condition regarding 0% APR. Know what periods are exactly covered because it might shock you to find out that you already have overhead charges. Make an assessment regarding the future interest rates after the trial periods. It could be higher than what you expected and soon you will regret that it is much better if you get the credit card having no trial periods or whatever 0% APR offers. Read carefully the fine prints of the agreement.

-Most of the credit cards that are available today are featuring different reward programs. Make enough time for researching so that you will get the best reward program according to how you are going to use it.

It is either in the form of points or cash back. The cash back reward program enables you to get a particular percentage from all the qualified purchase back, which is usually credited to your account.

The point reward program enables you to obtain points with every purchase you make using the credit card. Then a product could be redeemed using those points from a particular store, or sometimes to several designated redemption stores, or others could even have airline tickets. However make sure that the redemption will benefit you according to your needs.

-The credit card should possess a credit limit that is enough to satisfy your needs. The factors that should be considered include financing fees, annual fees, introductory offers, credit requirements, availability of online banking, and others. A lot of websites are great help when doing a research.

You will never go astray if you follow these guiding principles on finding the best credit card. Make a wise decision today.

Mario Churchill is a freelance author and has written over 200 articles on various subjects. For more information checkout http://www.supercreditcardoffers.com and http://credit-card-offersonline.info.

Making Profits in Real Estate

We have all seen people making fortunes by investing in the stock markets and at the same time millionaires turning into paupers. This rarely does happen with real estate investing. There are living examples among us that some of us may or may not be aware of. A good example is the properties we inherit. The values of these have been growing all these years with appreciation annually. The investment was made years ago. Over the years the increase in the property value is the returns that we are benefiting from these days.

Real Estate

A Real Estate is a piece of land with all its natural resources and more often than not contains a building of some sort. You can take any type of building that is either a constructed or a manufactured property, however an immovable property is always permanently affixed to the land.

Why The Rush To Invest In Real Estate?

* Falling stock market has generated fear psychosis among the investment community reminding them of the Great Depression.

* Failing pension system with growing inflation has added to the woes of the retirees and employees.

* Lower interest rates have compelled the money to be diverted somewhere else for higher returns.

* Moreover banks are willing to extend loans for the purchase of land and buildings at lower interest rates.

How Lucrative Is The Real Estate Business?

Real estate has wide options for making money; one being to buy and either hold it or rent it. Likewise other benefits are:

* With the rents from the tenants continuous cash flow is guaranteed.

* Mortgage loans from banks help in buying with or without personal investment.

* In case of mortgage loans, the cash flow by way of rents will continually reduce the principal borrowed.

* Improvement of the locality will in turn increase the value of the property overtime.

Statistics reveal that housing is a low risk investment. Gauging by the market trend the average market value of the homes has risen by 50% in the past 10 years. The wealth earned from the real estate investment has surpassed that of the stock market returns indicating the faith of the investors in real estate. This is a sign of an upward trend in the days to come.

Haven’t we all heard of our neighbors making big bucks in real estate very often? Every now and then we see some one selling off a home or a real estate property in a week or two of buying it for a big profit. Every one of you, like I, must have thought real estate is where quick money is. But is the market quite so? Can anyone make quick money by investing in real estate? Unfortunately, it is not quite so, although we rarely, if ever, hear people loosing money in real estate investment.

Making quick money is something that takes a lot of preparation and planning before investment, when you are invested and when selling or closing the deal. Further more, the investment amount is not small too, which no one can ignore. A slight mistake in prediction or a change in the legislation concerning real estate property or tourism or industry sector has the potential to turn over the whole real estate economy on its head resulting in wiping out of your capital too.

Any real estate broker would vouch for this fact. Take a scenario, for example. These brokers, in addition to brokering deals, also enter into contracts with sellers for selling off their property by making a down payment, which obligates them to sell at higher than the contracted price. Federal housing loan rates have revised now and there prevails a real estate slump, which is unforeseen. Wealthy brokers can wait till turn around of the market and still make a profit but they are still tied down by the blocked money. The case will be worse for smaller players with this condition.

Similarly, speculative investors are either forced to sell at loss or wait for unknown periods of times. The burden of interest you have to pay if you invested borrowed money might eat into your capital too, if the slump prolongs.

Unlike in stock and shares investment arena, you don’t have enough instruments in real estate to spread your risks and investment. All is fine when market booms but tough gets the going when things go awry. Lesson: longer you are invested better will be the return; no room for quick money, in general.

Paul Wilson

Credit Card Fee Increases

This month on our two credit card statements are notices informing us that as of Oct. 1st we may be charged “more than two” late fees or over the limit fees” per month. What’s going on?
Gwen

It’s estimated that Americans charged $1.8 trillion in 2005 on the 690 million credit cards outstanding. According to a Government Accountability Office study released in September, 2006, 13% of credit card users were assessed over-limit fees and 35% were assessed late fees in 2005. So Gwen has a lot of company.

Let’s try to do three things. First, understand what these fees are. Next, see how fees are changing. And, finally, what Gwen can do to keep from being hurt.

Credit cards have always had fees. Some, like for a late payment, are understandable. Others came along as credit cards took on new capabilities. Think cash advance and balance transfer fees. Still others, like over-limit fees, seem like they shouldn’t be possible. You would think that they wouldn’t allow you to borrow more than your limit.

There are also ‘penalty interest rates’. If you’re late with a payment or go over your credit limit you could see your rate bumped to 30% or more.

The 2006 GAO study looked at fees and penalties. It said that not only were fees increasing, but the credit card companies were doing a lousy job of informing consumers about those fees.

The credit card companies are obligated to tell you about any fees or penalties and how they’re triggered. Some fees, like paying your credit card bill by phone, are sometimes not clearly disclosed. What Gwen received with her statement was a notice of a change in how fees would be charged. And, as long as she’s notified they can get by with almost anything.

Late fees have nearly tripled in the last 11 years. And many cards have adopted a ‘universal default clause’ that says a late payment on any card will trigger the penalty interest rate.

Credit card companies say that the higher interest rates and fees are appropriate based on risk factors. If it weren’t for the higher fees, they claim that they wouldn’t be able to offer credit to riskier consumers.

In fairness, the GAO’s survey found that (at least among 6 of the largest card issuers) 80% of accounts paid interest rates of less than 20%. So the vast majority of card users are not paying penalty rates.

But the study also found that the disclosures were written well above the eighth grade reading level and (surprise!) featured small print. They recommended that the Federal Reserve Board revise rules on credit card disclosures.

Now that we understand what’s going on we can try to help Gwen avoid problems. The first thing is to recognize that the card issuers get to make most of the rules. And, whether those rules are fair or not isn’t relevant. The best she can do is to avoid getting hurt by those rules.

Get familiar with each account. The only way to know exactly what’s allowed is to read and understand the “Card Member Agreement.” Tough duty. But necessary.

Watch out for unexpected fees. Like for balance transfers or increasing your credit limit. Know what could trigger fees or penalty rates.

Know exactly when your payment is due. Keep a list of due dates for your credit card accounts. If you don’t get the bill, it’s your responsibility to contact the company and still make a timely payment.

If possible, the best thing to do is to join nearly half of the cardholders who paid little or no interest. That’s because they do not carry a balance.

Obviously, for many people that’s not immediately possible. Then it’s important to send in your payment as soon as possible. Being seven days early is better than being one day late.

If you find it difficult to get your payment in on time, you might want to authorize the credit card company to automatically debit your checking account for the minimum payment each month. You’ll probably pay for the service, but that way the payment can’t be late.

Talk to your card issuer. If your due date falls at a bad time of the month, they’ll move it.

If Gwen is near or over the limit on any card, she should try to shift part of the debt to a different card. Some fees are even being assessed when an account is merely getting too close to the limit. Your best bet is to keep balances to less than half the available credit.

Although the higher late fees are infuriating, they do minimal damage. The real problem is in the universal default clause. Most credit card accounts now have a universal default clause.

Suppose your rate went from 15% to 30% on every open credit account. For every $1,000 you owe, an extra $150 interest would be charged each year. So if you’re the type of person carrying a $10,000 balance, that one late payment could cost you $1,500 per year. For as long as you have the balance!

Gwen is right to pay close attention to her credit card accounts. With newer fees and penalty rates in place, it becomes more important to manage your credit. In fact, it’s critical to your financial wellbeing.
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Gary Foreman is a former financial planner who currently edits The Dollar Stretcher website . If you’d like to stretch your day or your dollar visit today! You’ll find hundreds of articles to help you “live better…for less”.

Gary Foreman is a former financial planner who currently edits The Dollar Stretcher website . If you’d like to stretch your day or your dollar visit today! You’ll find hundreds of articles to help you “live better…for less”.

How To Help Animal Charities With Your Credit Card

Britain is a nation of animal lovers, so it’s not surprising that there are many charities set up to look after old, sick or neglected animals. Donations to these charities can be made by supporting events, by setting up bank direct debits and by using cash. Making credit card payments is another way of supporting a charity. This has been made even easier with the appearance of charity credit cards. These are credit cards that have the badge of a particular charity and are supported by well known banks.

Credit cards for animal charities include the Battersea Dogs Home, the British Horse Society, the Royal Society for the Prevention of Cruelty to Animals, the Scottish Society for the Prevention of Cruelty to Animals and the People’s Dispensary for Sick Animals. Charity credit cards are backed by banks such as the Cooperative Bank, Halifax, the Royal Bank of Scotland and others.

Giving To Charity With Charity Credit Cards

Most charity credit cards contribute to charities in two ways. First of all, they offer a one-off donation of a fixed sum of money when a new credit card account is opened. This sum can range from £5 to more than £40 depending on the deal offered. If consumers continue to use the credit card within a particular period (for example six months to one year) a second lump sum contribution is paid at the end of that period.

Payment is also made through ongoing contributions to the chosen charity. This is normally a percentage of any spending on the card. The percentage ranges from 0.25% to more than 1% depending on the deal.

How To Choose The Best Charity Credit Card Deal

1. Charity credit cards boast many of the same offers as other credit cards. These may include:
2. 0% balance transfer rate
3. 0% purchase rate
4. Low interest rate
5. Reward points
6. Other incentives

Consumers should note that 0% balance transfer and purchase rates are likely to be for a fixed period of between three months and a year. Most card issuers will also charge a fee for balance transfers (around 2%). This is designed to make sure that credit card companies do not lose out on interest as consumers move from 0% card to 0% card.

In addition to the charitable contributions, charity credit cards may offer card holders incentives such as additional travel insurance, reward points that can be exchanged for cash or vouchers and much more.

Look online to find credit card comparison sites. These will help consumers decide on the best mix of incentives, charitable contributions and interest rates to suite their spending habits. Once your new credit card has arrived, just start spending to start giving to charity.

Charity credit cards offer an advantage for people whose heart is in the right place but who just don’t remember to dip into their pockets to make a donation. These credit cards make it simple to donate to your favourite charity every time you spend.

Joe Kenny writes for CardGuide.co.uk, with the latest credit cards, and more info on best buy credit cards.

Don’t Let Your Credit Card Debts Cross The Line

It’s been said that an average American has about 9 to 10 credit cards. Having that much credit cards simply means that you have high purchasing powers. You can actually just splurge on anything that catches your fancy; you don’t actually give out cash at that instant.

Credit cards are so popular these days. Everyone seems to be using one everyday. It’s also very easy to apply for a credit card. In fact, credit card companies are aggressively advertising their services so they could attract more people to sign up. Online and offline stores even encourage the use of credit cards by giving cardholders special discounts and promotions.

It’s really very easy to get caught up in a huge credit card debt nowadays. In fact, a lot of people are already suffering from great financial losses just because of some credit card debts they were unable to pay. Most people forget that when they use their cards to purchase, they would eventually have to shell out cash to pay for that.

Paying for credit card purchases are usually even more expensive. That’s because you would have to pay for the interests. And credit card interest rates do not come cheap. In fact, they’re high enough that you might feel you’re paying more on interest than the actual amount you borrowed.

Using your credit cards can really be addictive, but before you swipe your card, you would have to ensure that you would have enough funds to pay for your purchase. If not, you will soon find yourself caught in a huge debt cycle. Credit card debts are the most difficult to get out of, probably because of the high interest rates and the surcharges.

Just imagine the effect of a huge credit card debt on your finances. What if you’ll need money for emergency situations? If you have high credit card debts, chances are you won’t be able to use your credit cards anymore. That also means that it won’t be easy for you to apply for a loan since these kinds of debts reflect on your credit reports.

Irresponsible use of credit cards is usually to blame for your financial problems. So before you get another credit card, make sure that you’re responsible enough to handle it. Also check that the credit card company offers competitive interest rates. If they have low rates, you might consider consolidating your credit card debts and opt for a balance transfer.

Though it will really be very difficult to lower down a credit card debt, there are still ways which can help you, like debt consolidation. Also, you might want to minimize the use of your credit cards until you could pay off a large portion of the debt. Limit your credit card purchases to important ones.

If somehow you feel that you credit card debt has increased without you knowing it, you could give your credit card company a call so they can check for any fraudulent activities. Credit card companies will be happy to help you with any fraudulent charges so you can lower your credit card debt.

Experts sat that the wisest way to use your credit card is that your credit card debt should not exceed half of your credit limit. In this way, when emergency situations happen, you have some option to turn to. Low credit card debts also translate to better credit score, which means that you can avail of better loan and financing schemes.

Mario Churchill offers low interest credit cards for business, students, or personal use while consolidating and eliminating bad credit debt. Apply today! Visit http://www.firstglobalcreditcard.com

Things You Want To Know About Credit Card Debt Management

Not paying credit cards debts on time is a risky affair. As we all know that banks and financial authorities providing credit cards to you are very strict regarding their repayments. The penalties or interest rates on these cards are very high. Credit card debt management will suggest you the way to stay away from these charges while controlling your credit card expenses.

Credit card debt management can be defined as a process of managing your credit cards and their repayments. It involves negotiation with your unsecured creditors for your credit cards. These negations are regarding lowering down your repayments when you are unable to meets their contractual dues. For this, you can hire a credit card debt management company as your credit card debt management provider. A credit card debt management provider helps you in following ways:

Bargaining with creditors to freeze or reduce interest rate charges.
Single monthly payment is taken from you and distributed among your creditors accordingly.
This enables you to afford your other essential bills.

A credit card debt management plan is also designed by these debt management companies according to the status of the applicant. This status is determined after getting the following information:

Total number of credit cards you are using.
Total amount of debt you are carrying at present.
Details of credit cards
Details of creditors
Your employment status
Your monthly income

After accessing and analyzing all this information, highly qualified professional from these debt management companies will prepare a credit card debt management plan for you while discussing your monthly expenses with you on phone. Then this plan will be carried out and will last till all your debts are cleared. There is also an option for you to withdraw from this service voluntarily if you feel that you can now control or repay these debts on your own.

In addition to all these service there are certain tips which could help you out in your credit card debt management. These are:

Reduce the number of credit cards you are currently having
Control your credit card spending; always keep your income in mind while spending.
Their may be temporary shortfalls, so ask your creditors if they are flexible regarding this.
Attend credit counseling and debt education programs to get advices on how to avoid the debts to arise due to your credit cards.
Transfer your credit card balance to a card with lower interest rate.
Consolidate your credit card debt through debt consolidation loans.
Check your credit card statements regularly.

As now you know how to handle your debts, so don’t panic when these credit card debts get out of your control. Just stay calm and get the help with credit card debt management.

Tess Ocean has been associated with EasyDebtManagement. Having completed her Masters in Finance from Yale University, School of Management. She provide useful advice through her articles that have been found very useful. To find online debt management, debt management plans, debt management services, credit card debt management in UK visit http://www.easydebtmanagement.uk.com.

Local Real Estate Agent Marketing

Local real estate agent marketing to increase your commissions by 25% to 50% this year, interested?

I’ve concluded that 99% of real estate agents’ local marketing challenges are because they are you using A) “push marketing” B) not getting a tangible ROI in the name of “getting their name our there” (are advertising on benches???).

Furthermore, only 1% of real estate agents solve both of these challenges, not surprisingly they are also a part of the top 1% of commission earning agents. By the end of reading this local real estate agent marketing article, you will have a simple solutions for getting “local leads” and increasing your 25% to 50% in commissions this year.

SOLUTION: Internet Marketing for Real Estate Agents

Typical Internet Marketing for Real Estate Agent Approach:

WEBSITE + NO TRAFFIC = FANCY BROCHURE

Top 1% Internet Marketing for Real Estate Agent Approach:

WEBSITE + LOCAL GOOGLE + BIG ACTION = NEW BUSINESS

WEBSITE. If you have one, I’ll let you in on a little secret, it doesn’t matter what your website looks like (within reason), all that matters is getting “targeted local traffic” and having clearly defined “BIG actions” for successful local real estate agent marketing.

NO WEBSITE. Before you hire anybody to design it, consult a website design company that specializes in real estate agents and internet marketing because they will be able to incorporate the next three solutions.

GOOGLE. What is it and why is it so important? Google is a search engine, where people search for websites, information, videos, etc. It’s important because “67% of U.S. adults use search engines as a research tool before making a purchase decision*.”

When potential clients (targeted traffic) search for the keyword “your city + real estate agent” (example, “Miami real estate agent”) wouldn’t it be great if they found your website? When your website appears, let me say “welcome to the 21st century of local real estate agent marketing”.

(*iCrossing, “How America Searches: Online Shopping”, August 2005)

If you’re not found in Google™ for terms such as, “your city + real estate agent”, and within the first three pages of results, it’s like a selling a home without putting a “for sale” sign on the lawn or a listing on MLS, only a select few are going to know it’s for sale. Getting ranked in the first three pages doesn’t just happen, you need to incorporate two simple solutions: Google pay-per-click (PPC) advertising and search engine optimization (SEO).

SOLUTION #1: GOOGLE PAY-PER-CLICK (PPC) ADVERTISING.

Pay-per-click (PPC) is an online advertising format, where you buy web traffic that’s 100% customer targeted. Immediately (within minutes) after signing up with an account, your Ads will be placed on search engine result pages (SERP) for the searched “keywords” (phrases) relevant to your business.

The best part is that you only pay when someone clicks on your ad and not for the number of times (impressions) it appears on the screen. Secondly, because it’s a bidding system, you only pay as much as you want to, with no monthly minimum. To set-up a Google Adwords account go to: http://www.google.com/intl/en/ads/

SOLUTION #2: SEARCH ENGINE OPTIMIZATION.

Instead of paying for being in the “sponsored links” portion, you could appear in the natural (aka organic) portion of the search engine result page (SERP), internet marketers use a simple and powerful marketing concept called search engine optimization (SEO). There are two forms of SEO techniques, I only recommend using “white hat” (ethical) SEO. The other form called “black hat” SEO, will most likely get you banned from search engines and tarnish your brand image.

How to search engine optimize your website is well beyond the scope of this article, entire books have been written on the subject of SEO. I highly recommend Michael Wong’s “Search Engine Optimization Strategies” eBook.

SOLUTION #3: BIG ACTIONS.

What is the one action you want a first time visitor to take at your website? How are you going to get their email address or phone number?

A “BIG action” will answer both these questions. Here is a sample list of “BIG actions” for real estate agents’ websites:

– Call for a free “property consultation”
– Sign-up for new housing listings
– Sign-up for home buyer and seller education
– Sign-up for a free “current market assessment” (CMA)
– Sign-up for free virtual tours of property listings
– Sign-up for a free “property consultation”
– Sign-up for a free “first time home buyers” eBook

What your website’s “BIG actions” are, needs to be the #1 answered question. If you don’t know what your “BIG actions” are, then a first-time visitor to your website won’t know either. If you have a “BIG action” it also needs to be up front on your homepage and limited to a maximum of three “BIG actions”.

Define and implement up to three “BIG actions” today, get their email and follow-up with automated emails, and get them to call you or sign-up for a “property consultation”, it’s that simple.

Implement these three local real estate agent marketing solutions and become a seven or six figure commission earning agent today.

JP Richards is a Google™ Qualified Adwords Professional, Search Engine Optimization (SEO) Consultant, and the founder of Toronto SEO Company.

Max out your Cosmic Credit Card

Have you ever wondered why some have so much and others have so little? Not everyone knows they have a Cosmic Credit Card that entitles them to free access and use of the playground complete with endless mall. Time to bust the myth and get started charging up your Cosmic Credit.

The universe is like a gigantic playground complete with an endless shopping mall. You can have and experience whatever you want by using your Cosmic Credit Card. The aim of the Cosmic Mall is to provide you with opportunities to feel good and have fun.

These are the Cosmic Credit Card rules for the Cosmic Mall:

1. Cosmic credit is infinite - there are no restrictions or limitations. You can have whatever it is you desire.

2. There is no ‘debt’ with the Cosmic Credit Card - you simply use the Card and get what you desire.

3. Everyone has access to Cosmic Credit with their very own Cosmic Credit Card.

4. Once you place an order, let the Cosmic Mall look after its delivery - they know what they are doing and will deliver when and how it is best for you. This may not always be on the timetable you expect or in the way you anticipate. Just simply find delight in the expectation that the delivery will always be fantastic, and in ways you never imagined.

How to maximise your Cosmic Credit Card

Once you realise that you do in fact have a Cosmic Credit Card, you can optimise its use by following some basic steps:

1. Be clear on what you truly desire. Your Card only activates with very specific instructions. It is no good putting in a shopping request for a ‘better wardrobe’. You’ll be overwhelmed by all the choices in the endless mall. You need to put some detail in the order. You need to be specific such as - a new pair of summer sandals from Escala, a red summer cotton dress, an Italian power suit from Feraud. This will help the Cosmic Credit Card zero in on exactly your desired item.

2. Use the preview button. Back each request with a powerful preview of what you ordered. For example, if you ordered a brand new red Mazzaratti, imagine yourself driving that sweet little thing right now, feel the wind in your hair, the excitement run through your body, the exhilaration of cornering. When you supercharge an order like this with tons of electrical emotional energy, then the order gets sent express and rockets through the mall ready for delivery.

3. Clean up any contradictory orders. Check to see if you have any thoughts that may cancel out your order. For example, if you put in an order for a new job but then think, I will be so busy, there will be no time for the kids, what if they don’t like me, what if I make a big mistake… These kinds of thoughts and negative emotional energy interfere with a Cosmic Order and may in fact cancel the request. If you are wondering where your order is, this is often the reason - you have sent out a cancelling request, sometimes without really being aware you are doing so.

Any negative thinking, doubts, or fears send out a ‘cancel’ message.

4. Supercharge your credit. If you do occasionally send out a ‘cancel’ message by accident, then you can reverse this by reminding yourself of your original order, pull out the preview, and then boost your credit with some heartfelt appreciation for your existing purchases and experiences. Each of these strategies will negate one hundred ‘cancel’ orders. So the more often you feel good, the more often you get excited about your order, and the more often you feel grateful for what you already have, then the quicker your order will get delivered by the Cosmic Mall.

What’s the catch?

Not everyone knows about the Cosmic Credit Card. They believe that there is never something for nothing and so hesitate in using the Card, fearful they will owe something later. This is a misunderstanding - your Credit is limitless and you owe nothing for it.

People are fearful that their Credit will run out. They don’t use it much afraid that their limit will be reached and the Card seized. There are no limits, and no one can seize your Credit Card.

People feel they don’t deserve to use their Cosmic Credit Card. They feel they haven’t earned the right to use it. Every human being is granted a Cosmic Credit Card the day they are born. Their job is to figure out how to use it. The only obligation you have in exchange for the Credit Card is to be happy and appreciate all the gifts you receive with your Cosmic Credit Card.

Some individuals simply do not know they have a Cosmic Credit Card to use at all. They imagine themselves outside the playground, on the other side of an imaginary fence, shut out from the riches of the world. Meanwhile the Cosmic Credit Card sits unused in their back pocket. Socialisation does not teach many about the Cosmic Playground and this is a very sad state of affairs. It is your job as someone who now knows about the Cosmic Credit Card to educate others on how to activate their own Card.

Lastly, your only job is to feel good - feel good about your orders, feel good about what you already have and experience, feel good by expressing gratitude, and have fun.

If you want to learn more about the Cosmic Mall, sign up for Compass Bearings, Inner Compass’s monthly on-line personal development magazine. Access it here at http://www.innercompass.com.au. This way you will be sure to catch Inner Compass’s next program on experiencing the full abundance of the Cosmic Mall.

Cancer survivor Zoe Routh is the Head Coach at Inner Compass, a personal development organisation that helps busy professionals work less and achieve more. Inner Compass offers practical strategies and solutions to improve personal effectiveness and live an inspired life. Want to live with no regrets? Check it out at http://www.innercompass.com.au.