Credit Repair Companies Are Not Worth It

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Apr 102024
 

About 15 years ago many so called credit repair companies have sprung up out of nowhere and claim that they can fix your credit. What consumers should know is that they are taking a 50/50 chance with dealing with these firms. Some credit repair firms are legitimate and can rally make a difference to an individual credit score but most new firms that are springing up now and within the past few years are bogus. They can charge a client upwards of $1000 and then they tell you that it will take anywhere from 8months to 1 year to fix your credit and wipe it clean.

Consumers need to be very weary about such firms and perform a thorough check with the BBB to make sure that the credit repair firm is listed and also to make sure they haven’t been under investigation for fraud. Most if not all states require such firms to practice with a “credit services license” which legally enables them to request for and access personal files for the consumer. Some states even go as far as requiring all credit repair or credit services firms to maintain a $250,000 surety bond/liability for 2 years after doing business in the state. If you think about it, a client going to any of these credit repair firms produces all their details and hands them over to a total stranger. This could be a recipe for disaster and could even plummet you further into debt. If you are still in doubt about certain firms feel free to call the state attorney general and inquire about their business practices and if there has been any complaints about the particular company. To tell you the truth all the services that these firms provide can be done by yourself all it takes is the right information. These companies operate under the veil that 99% of the public are clueless about their rights as consumers. Learn more about fixing your credit by yourself at www.1800aaacredit.com.

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How to win any Fight! Part 3

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Apr 092024
 

This is part three in a four part series on learning how to win any fight. Thank you for joining me again here as we take a few moments together and review ways you can learn to win any fight and defend yourself effectively.

In the prior articles on how to win any fight you discovered how to train in a way that will increase your effectiveness. We discussed that you simply must accomplish all of the following things in any training that you do.

1. You must train with a Blended Method of Low and High Intensities
2. You must learn from an instructor that has mastered these methods direct from a originator of these methods
3. You must find an instructor that is not afraid to train at the higher levels of intensity
4. You simply must focus your mind on first learning the method properly at a slow pace first, then brining the technique up to real World speeds during the same training session.
5. In order to be able to win any fight, you have to be able to move quickly and effectively while using proper techniques
6. If you have limited training use a street legal tool to maximize your own effectiveness and impact on the street
7. Proper technique needs to be learned at real World speeds as well as slower more precise training
8. In order to learn any self defense technique effectively you must be able to discover for yourself firsthand how effective the methods are. When a student feels the power of a method themselves they will feel much better about using that method when it counts, and when they have to use it to win a fight.

We also covered how you can now learn these new methods from a real legend in the Martial Arts Grandmaster Ted Gambordella. In today’s article we are going to talk about ways to find local instructors that can assist you in training effectively with a truly well balanced training methodology.

The best way to find a local instructor is to check with a recognized agency that understands these training methods to see if there is a certified instructor in your area. You can do so for free at www.themartialartssite.com there is a free guide to certified instructors all over the World who are trained in these modern and very effective self defense methods. If on your visit you do not find an instructor yet listed in your area don’t hesitate to call your local Dojo or Martial Arts schools, and simply ask them if they have instructors that are certified by the Martial Arts Masters Association.

If they say they do you can feel comfortable enough to visit their Dojo and interview the instructor, make certain that you ask to see their Certification from the Martial Arts Masters Association. You need to be certain that these people are not leading you in a wrong direction. Unfortunately, all too many Martial Arts Schools these days will say anything to get you to try them out or sign you up on a contract. I have even seen instructors from one style offer training in more commercial styles like “ask about training here to become a Ninja.” This is clearly a marketing ploy of instructors, or an instructor who has lost their way. They may even be fairly good and well intended instructors who just simply want to have more students and make a living wage doing what they love teaching the Martial Arts. You can do them a favor and give them the web address for The Martial Arts Site, and the Martial Arts Masters Association.

Grandmaster Gambordella can assist them as he has countless other instructors on increasing their student base by training more effectively and offering their students more value in their training.

As always if you can not find an instructor in your area, you may always learn from Dr. Gambordella through his books and videos, or even by membership in his organizations. You can always get free training articles at the Martial Arts Masters Association website.

The dream of Dr. Gambordella is that by sharing his nearly 40 years of training experience with other instructors and students directly that anyone can learn to win any fight and defend themselves effectively.

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The Game of Life

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Apr 082024
 

The Olympic Games always remind us of the incredible ability we possess to set a goal and pursue it. As much as I enjoy watching the games, I especially enjoy the segments featuring personal stories about the athletes. Listening to their amazing stories of dedication, focus, passion, investment and commitment to their dream of participating in the Olympics is truly an inspiration.


Most of them were not born super athletes, but have developed themselves to play their best game. Most are ordinary people with extraordinary dreams. They have the courage to risk the unknown, even the agony of defeat, in pursuit of their dream of victory. They were willing to develop and improve in order to play their best game.


No matter how good your game, there is always room for improvement. Olympic records continue to be shattered and new levels of achievement are reached. What is your dream? What do want to accomplish in your lifetime? What is the first step you will take toward playing your best game ever?


Three Key Strategies for Playing to Win…


1. IDENTIFY YOUR STRENGTHS. Knowing your strengths and how to capitalize on them can make the difference between success and failure. We often focus on our weaknesses, working hard to make improvements. Try focusing more attention on your strengths instead and look for ways to employ your strong suit to move you forward.
Ask yourself: What are my strengths?


2. CLARIFY YOUR GOALS. Get clear on what game you are playing and what you want to accomplish. Understand why the goal is important to you and which of your personal values it is aligned with. Know what is required to reach your goal. The more clarity you can get around the goal, the easier it will be to get started moving toward it.
Ask yourself: What do I most want to achieve? Why is it important to me?


3. WORK WITH A COACH. Give yourself the benefit of having a success partner to help you achieve your goal. Free yourself up to play your best game by enlisting the help of a coach who can guide, support and challenge you to give your best performance everyday.
Ask yourself: Who will I ask to coach me?


“To play is in the mind. To win is in the heart.” ~ Jennifer McCombs


“Winning isn’t always finishing first. Sometimes winning is just finishing.” ~ Manuel Diotte

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Keeping Your Dog Safe In Your Vehicle

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Apr 072024
 

Would we put our children in the backseat of our vehicle without strapping them in safely? Of course not! So why then would we let our dog run free around the vehicle? In a collision at speeds of only 30mph, a 15lb dog can exert a force of up to 300lbs! Between 3 million and 5 million pets are killed each year in auto accidents, many which could have been prevented by simply securing them in a safety restraint.

Here are the top reasons to restrain you dog while traveling:

1) Prevent Driver Distraction
2) Protect Other Vehicle Occupants
-As mentioned above, the force exerted from a vehicle crash can be staggering. An unrestrained dog may be thrown at other occupants within the vehicle.
3) Easier For Rescue Workers
-A dog who has just been in an accident is likely to be shocked and confused, often causing them to attack people who are trying to help them.
4) Prevent Runaways/ Jumping From The Vehicle
-Dogs can be easily distracted. If they see something they want, they go for it. Even if this means jumping out of an open window!
5) Convenience
-Seatbelts will save you from having to hold your dog every time a window or door is opened.
6) Feeling Of Security
-Many dogs get carsick or uneasy when traveling in a vehicle. A seatbelt will keep him feel secure when braking, accelerating, and going around turns.
7) Law
-More and more states, counties, and cities are reinforcing pet restraint systems while traveling in a vehicle.


There are two main types of safety restraints for dogs:

1) Collar Restraint and 2) Full Body Harness Restraint

The collar restraint has one end that attaches to your dog’s collar and the other end secures into the seatbelt fastener. This type of seatbelt works great if you were only running into the store and had to leave your dog in the vehicle for a minute. It keeps them in the seat and prevents them from trying to jump out of an open window, also allowing you to keep the windows down for ventilation. However just think what would happen if the vehicle were to come to a sudden stop? Your dog’s neck would endure the force of the stop, choking him or even worse.

The full body harness restraint fastens securely around your dog’s chest, shoulders, and back. When in a collision, the force exerted is distributed evenly over the strongest parts of your dog’s body, keeping him safe and secure in the seat.

Harness Checklist:
-Be sure that the harness is designed for vehicle use.
-Be sure that the harness is suitable for your dog’s size and weight.
-Be sure that the harness fits properly.
-Be sure your dog can not become entangled in the harness.

The best way to get your dog used to traveling with a restraint is to start when they are puppies. The longer you wait before introducing a seatbelt, the harder it will be to get them to accept it. You should also start out with short trips in the beginning, for instance a drive around the block or to the corner store. Gradually work your way up to longer car rides. Reward your dog each time you place them in the restraint by taking them to the park or giving them a treat. This will put a positive spin on the experience!

Kennels & Carriers

Another option is a kennel or a carrier. These will keep your dog in a confined space within the vehicle to prevent distractions. However in a collision this may do even more damage being thrown around the vehicle if it is not secured safely within the vehicle. If you plan to use a kennel instead of a restraining seatbelt, be sure that you tightly secure the kennel to the seat or the floor of the vehicle.

Extra Tips:

1) After a collision, do not let your pet out of the harness or the vehicle until he is calm and the surroundings are safe unless, of course, in an emergency situation.
2) Do not place your dog in the way of any air bags.
3) Never let your dog put his head out of an open window when the vehicle is in motion.
4) Get insurance for your dog!

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The Ten Step Method To Finding The Perfect Coffee Maker

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Apr 062024
 

Everyone it seems, has an opinion on coffee. How it’s brewed, when you should drink it, whether to freeze the beans and the list goes on. It also seems that coffee maker reviews can almost generate the same kind of passion given the proliferation of machines on the market today.

There is a whole range of features that make up a good coffee maker however, if you are looking for the perfect model, one that has every feature imaginable, then you are going to be searching for a long time. Why? Because of the nature of coffee drinkers. The beauty about this little black liquid is that it’s taste is an individual thing. What pleases one person may not necessarily sit well with another.

I’m a self confessed caffe addict. In fact, I don’t mind where or how it is brewed, as long as I can taste the coffee. Whether it’s brewed from an automatic drip machine, a single cup maker, a percolator, a french press, heck, even instant, I’ll drink it. But I do appreciate there are some connisseurs out there who are particular about the taste of their brew so in this coffee maker review, I am going to point out a few features to consider when searching for the perfect machine.

Ten Step Coffee Maker Review

The ideal machine will have the following features:

1. At least a two year warranty.
2. A timer that is user-friendly and can program to the precise second.
3. Automatic features such as hands-free shut-off.
4. An automatic bean grinder within the machine.
5. Settings which include brew control.
6. Settings enabling the number of cups to be brewed.
7. Adjustable temperature hot plate. This is important because coffee that is allowed to continue to cook on a hot plate tastes, in a word, horrible!
8. Pause and serve.
9. Easy to clean. Also, many coffee makers while they brew an excellent cup, tend to be a little messy. So add a non-messy feature to your wish list.
10. Automatic milk heating and serving feature.

What Will You Settle For?

How’s that for a wish list? Trouble is, even if you find a machine with everyone of those features, and bear in mind, there are others I’ve left out, it’s probably going to “cost you an arm and a leg.” How serious are you about your brew? If you are like me then a simple functioning machine with several of the features mentioned above would do the trick.

You need to consider how often you’ll use your machine, it’s size, particularly if you are a home entertainer, and most importantly, your budget. There are a lot of things to consider aren’t there? Again, the question has to be asked… how serious are you about your coffee?

Finally, be careful when reading coffee maker reviews as some will certainly show some bias. A good place to check is online such as forums and Amazon reviews. The bottomline will be how much are you prepared to spend and whether your machine will get good use. The last thing you want is for it to become an ornament on your kitchen bench!

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Online Marketing – No Need to Spend a Fortune

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Apr 052024
 

The pressure is on those small local business owners who have been holding out, hoping against hope that the Internet would go away. It’s become fairly obvious that that’s not going to happen.

As a matter of fact, the Kelsey Group says that “70% of U.S. households now use the Internet as an information source when shopping locally for products and services.”

It’s become obvious that small business owners who don’t have an Internet presence are at a serious disadvantage, and are losing more ground every day to their competitors.

But where to start? Many small business owners want to get online but the idea of it becomes overwhelming. One of the things many people are concerned about is the cost. Having a professional website created can be expensive, as can the online marketing needed to promote the site. Fortunately with a little work, there are some great low budget online marketing solutions for small businesses.

First, don’t immediately buy web space or register your domain name with the first site that pops up in Google. Web space can be pricey or fairly cheap; it all depends on what company you go with. There are some sites that offer free hosting, but those sites usually force you to include banners or pop-up ads on your site. If you want to be taken seriously, you definitely do not want to host your business on a free hosting site.

There are places on the web that offer a good amount of storage for less than $100/yr, which is not bad. You can also find sites that will register your domain name for less than $10/year, such as the popular GoDaddy.com.

Once you have your website set up, how do you get people to visit? One of the best ways is to take advantage of social networking sites like Squidoo.com and MySpace.com. MySpace.com is a huge site designed to let people keep in touch with others. However a lot of businesses set up MySpace profiles and send out “friend” invitations to clients and prospects. Retail store owners, service providers, authors, bands, magazines and even tourism companies do MySpace marketing. Same thing with Squidoo. This form of marketing is becoming even more powerful than reciprocal linking.

Don’t forget message boards, chat rooms and link exchanges either. They are great ways to get your word out. When you first began your low budget online marketing campaign, you’ll probably spend anywhere from 5 to 10 hours a week promoting your site, or you can train an employee, intern or your resident teenager to do it.

The simplest way of marketing your small business is to include your website address in your signature in emails and posts to message boards, even if they aren’t related to your business. While this doesn’t market directly to your targeted audience, it does make people aware of your website. Who knows, maybe they’ll know someone who needs your services.

It’s very easy to do low budget online marketing for small business because so many things on the Internet are free — message boards, networking sites like Squidoo and MySpace, and of course, email. The main thing it will cost is time, but even that can be “bought” at budget prices on sites such as rentacoder.com and getafreelancer.com. So there’s no reason for even the busiest small business owner not to get their business online, even if they’re on a tight budget.

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How to Use Direct Marketing in Your Commercial Real Estate Brokerage

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Apr 042024
 

Real estate has been increasingly popular. There seems to be a new agent getting their real estate license left and right- especially with the booming housing market. The same goes for the commercial real estate industry- new brokers popping up everywhere trying to get a piece of the action. Unfortunately, these new brokers only sell a few properties a year- if that because they simply do not know how to market their properties. Simply listing the property in the MLS or placing on an information only website is not the best way to find buyers- mainly investors and end users.

Even seasoned professional brokers often rely on their agents to locate and bring in buyers for the properties. Nice property information packages are made up for those who are interested and sent out to those who inquire.

That is all fine and dandy, but why should they have to get new buyers every time? Investors have specific buying strategies and will purchase more than one property that fits their criteria. Why not capitalize on that rather than writing for a random buyer to come trickling through the office door or speak to half-interested buyers over the phone that just happen to come across a property?

Extremely successful brokers take it upon themselves to have a pool of people to take a new property to that is on the market. They can even seek out properties that fit the criteria of his or her investors. In fact, if their pool of people is large enough, they can actually agree to put on their listing the properties they know their clients will want.

Too few commercial real estate brokers and agents do this. One reason why they don’t is because they are not sure on how to go about creating a solid list. The other, is that they are simply too lazy and rather the buyers come to them in search of a property. Whatever the reason, we are going to discuss just a few simple direct marketing techniques that can be used on the internet to build a list that a broker will always be in contact with.

There are three items that you need to implement this direct marketing technique:

1. A website
2. A newsletter
3. A buyer’s list

Many brokers have a website, but it is purely informational- the location, a biography, and the properties that are listed for sale. There might be a contact section for an interested investor to get more information about a property. Direct marketing on the internet is the easiest, cheapest way to collect great contacts and build a profitable list.

Transform your website into a list builder by creating a weekly, bi-weekly or monthly newsletter filled with valuable information for a buyer- purchaser, end-user, or whoever else you may be looking to attract to your list. You are a wealth of knowledge about your specific location, market, purchasing techniques etc. Take what is in your head and provide valuable information to those who visit the site.

Now, the visitor does not get this information for free, however. They must opt-in or sign-up for the newsletter by giving you their first name, primary email and even phone number. When they sign-up for the newsletter, you now have a hot contact! The more people who opt-in to the newsletter, the larger your list becomes.

Now that you have these people’s contact information, you can send automated, extremely personal emails asking for their interests, criteria in commercial properties, what projects they most like to work on, and if they are looking for anything in particular.

You can get to know each person on your list and find properties according to their criteria. Here you have a buyer’s list that is showing interest in purchasing specific types of properties that you find. If you pick up a property, all you have to do is send it out to the people you think would be most interested. Keep your list happy, especially those who purchase from you. These people are your goldmine and will continue to purchase properties if you pay attention, listen to what they want, find suitable properties, and provide exceptional customer service.

Sure this is more work than waiting for a buyer to present himself to your office, but a thousand times more profitable!

With this simple and effective direct marketing technique, you will be able to increase the number of properties on your listing, and both your sellers and buyers will be pleased. This equation equals success and for all parties involved.

The website and software for this simple automation is a very small investment for the returns you can expect. Simply find a webmaster that can set up this easy process for you. Crank out a few, valuable newsletters, and let people know about your website within your social network. You will begin to build your list very quickly.

There are many other direct marketing techniques that are easy to implement with a little knowledge. There are many books and course that can show you how to build out and make your website truly optimized so you can get the most out of your list. Find other successful brokers and learn their systems? What can you learn from them that will increase your effectiveness? There are many options to improve your brokerage business within the commercial real estate industry. Don’t limit yourself to the possibilities and see how you can greatly improve.

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The Definitive Guide to Going on the Perfect Cruise– Part One

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Apr 032024
 

Going on a cruise is a fantastic holiday. For singles, be prepared to be entertained almost 24 hours a day. For honeymooners it can be the most romantic time of your life and a time to remember. For Mums and Dads being spoiled is too good to believe, and when there are children with you, you’ll be glad to know that they are cared for and entertained for most of the day. This gives you lots of free time to pursue whatever entertainment the line offers.

Many people new to cruising don’t always realize that not everything is included in their cruise price. Many are disappointed when they board their ship and realize they will need additional monies to get them through their trip. However, if you have done your homework you should know this prior to making bookings.

Although each cruise line has its own set of inclusions, the following information does apply to the majority of the cruise lines. Always check the free classifieds sites and travel websites before you book your holidays, you’ll be surprised with what you might find.

Fun-For-All Entertainment
Pack some evening dress because you will find most cruise ships entertain their passengers with a variety of ‘miscellaneous’ treats. These include a Masked Ball, Ladies Night, talent competitions, and Fancy Dress Balls, for adults and children.

Interestingly, you’ll find that the list of what is not included on a cruise is much shorter than what is included.

Accommodation
If you opt for stateroom accommodation, a cabin steward will be assigned to you and will attend to your every need. Your steward will unpack your bags, attend to dry-cleaning and pressing of clothes. They will arrange for your stateroom to be cleaned and refreshed each day, and even make sure your beds are turned down at night. The majority of these cabins come equipped with televisions, DVD, stereos, computer connections, and telephones. Most new ships may also include blow driers and bar fridges, though this depends on the cruise line.

If you decide to travel economically, you will find that the only services provided shall be the cleaning of your cabin once a day

Bathroom amenities most often included are shampoo, conditioner, body wash, soap, razors, etc.

Because of fire hazards, irons are not furnished and are not allowed in the staterooms or cabins; however, your steward, or cabin attendant will attend to this and the service is offered at a reasonable fee.

The Library
Most cruise ships have a well-stocked library full of all kinds of books. These can be read in the quiet lounge area, or taken back to your cabin and read at your leisure. With current magazines, newspapers, new books, and board games you won’t have to have a boring day on board. If you are an enthusiastic chess, scrabble, backgammon, or bridge player, join the many tournaments held at the cruise. Of course, they give out prizes to winners.

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