วันพฤหัสบดีที่ 30 ตุลาคม พ.ศ. 2551

Formats for Writing Life Narratives

Q and A.

Best choice when subject is very verbal or there are two or more people being interviewed or taped at the same time. All repetitive statements, umms, ahhs and blatant incorrect grammar are edited out. Natural patterns of speech, coloquolisms and favorite sayings are left in.

JHW. When you started your business in 1934, how did you finance it?

BT. Well, remember my uncle Horace? He was my Mother's brother.

HT. Half brother.

BT.. OK, so half brother, her father remarried after Sybil, my grandmother, died and my mother was a little girl about nine or ten. His second wife, what was her name?

HT.Alice May Jones, her family had moved west to build the dam.

BT.. So anyway, Horace was killed in a train wreck when he was visiting in California and as he had never married, the insurance settlement went to his next of kin, which turned out to be my mother. She wanted to invest the money and came to us and asked our advice. I told her that I had been thinking of opening this repair shop and I thought I could make a go of it. She thought about it long and hard and came back the next day and said she would rather invest in us than any old bank.

HT. But we paid her back with interest. We were able to put the business in the black in only three years.

BT. Of course, we worked our butts off, didn't we?

First person: Best choice when the tapes will need significant editing to make a flowing narrative. It is written as if the speaker were doing the writing. The interviewer simply ghost writes the life story.

I loved being a mother. It seemed as if that was the role God had created just for me. Other women would complain about their children being messy or noisy, and I honestly didn't even care. I just loved to be there when they came home from school. About two o'clock I would start to get antsy, just couldn't wait for them to come in the door, throw down their jackets and books and sit at the kitchen table and talk. I even loved cleaning up after them when they were sick. I know that is hard to believe for some people, but I used to say to myself "well, I would rather have it out here smelling bad than inside of them making them feel bad."

Third Person: Best choice if the subject is having difficulty remembering or if the interviewer has to gain the majority of the facts from records, other family members or others who can add insight and information. Jennie was a fun loving little girl and definitely the apple of Tom B. Bradshaw, her loving father's eye as well as the object of his generosity. But one time, when she was about six years old that generous and loving spirit was put to a test. Active in the first Methodist church, their entire family enjoyed the Sunday school picnics held every summer in the park east of town. On this particular day, the family had no sooner arrived and began eating when a group of little girls came to the table demanding to see the elephant Mr. Bradshaw brought.

Methods of telling the story:

It is best to think of a life as a long strand of pearls with each year or significant event as one pearl.

? An autobiography tells the jest of the whole necklace, usually in a chronological order. Chapters, special events, decades, houses or any other natural division can separate the sections.

? A memoir takes an important section of the pearls and makes a short necklace. You can refer to the other beads, but you don't go into detail describing them but concentrate on the significant period of time you are describing.

? An anthology is a collection of short unrelated stories, essays, anecdotes, incidences etc. that are gathered together in one book The stories may build upon one another or they may be able to stand on their own.

? A photoscribe is a more in depth scrapbook. The stories revolve around a photo or two.

Each page has a beginning, middle and end.

Including photos, graphics and memorabilia

These additions to the narrative greatly enhance the readability and value of the project. However, they also greatly enhance the time needed to do layout, scanning, sizing etc. that will be reflected in the cost of the finished project. One method of saving money is to group all photos in the center of the book.

If you are interested in taking a tele-class on memoir writing please send us an e-mail at Judywright@artichokepress.com and we will set one up. It is a fun way to learn and share from the comfort of your own home.

Keep Writing!!! You are doing an important work.

?Judy H. Wright, Personal and Oral Historian - www.artichokepress.com

วันอังคารที่ 28 ตุลาคม พ.ศ. 2551

An Overview of the Gatlinburg Cabins

Originally founded in the early 1800s as White Oaks, Gatlinburg was just a sleepy residential town until the growth of its lumber industry in the early 1900s. The creation of the Great Smoky Mountain National Park in 1934 added to the demand for visitor services. Gatlinburg was officially incorporated in 1945 and has since become a premier four-season vacation destination.

In recent years Gatlinburg has become even more popular as both a vacation spot for families and a romantic getaway for lovers. Ideally located, Gatlinburg is within a day's drive for fifty percent of American citizens. Vacation options include single and double occupancies, larger family-oriented plans, and exclusive wedding and honeymoon packages.

With thousands of cabins to choose from E-GatlinburgCabins.com provides extensive information on cabins, vacations, rentals and properties in Gatlinburg, Tennessee. The new site is designed to give visitors the most complete reference tool for planning a vacation, purchasing a property, or even getting married and enjoying a honeymoon in the charming eastern Tennessee tourist destination.

As a comprehensive online reference tool, E-GatlinburgCabins.com satisfies all of the informational requirements of potential visitors and real estate owners in Gatlinburg. E-GatlinburgCabins.com will be constantly updated with information to help our visitors make informed choices about what type of Gatlinburg vacation or property would best suit them.

E Gatlinburg Cabins is dedicated to providing comprehensive information on Gatlinburg cabin vacations, rentals, and properties, as well as weddings, honeymoons and other information. E-GatlinburgCabins.com presents an accessible interface where users can determine what type of vacation or related service is best for them.

วันเสาร์ที่ 25 ตุลาคม พ.ศ. 2551

Knowing The Holy Spirit!

"You will receive power when the Holy Spirit comes on you; and you will be my witnesses?to the ends of the earth." -ACTS 1:8

Thousands of evangelists from more than 130 countries have attended the International Conference for Itinerant Evangelists, sponsored by the Billy Graham Evangelistic Association. One year, I was asked to speak on how to be filled with the Holy Spirit. Just before I was to speak, I received a note from Billy Graham that read, "I consider this one of the most important addresses of the entire conference."

Acts 1:8 addresses this subject, which is vital to every lighthouse for Jesus Christ. Unfortunately, according to our worldwide surveys, 95 percent of professing believers do not understand the ministry of the Holy Spirit. This includes pastors, evangelists, and missionaries. If I were allowed to bring only one message to the Christian world, it would be on how to be filled with the Holy Spirit and walk moment by moment in the fullness of His power. I would even choose helping a defeated Christian understand the Holy Spirit over introducing a non-believer to Christ, because helping a believer understand the Holy Spirit would inevitably result in far more people receiving and following Christ.

Today the body of Christ needs to be awakened to the person and ministry of the Holy Spirit. We need Him to empower and control us, and we need to invite Him to exalt and honor our Lord Jesus Christ in and through us (John 16:14).

You can receive the fullness of the Holy Spirit by faith right now. Simply claim God's command to be filled (Ephesians 5:18) and His promise that He will release the Spirit's power in and through you to make you an effective witness for the Lord (1 John 5:14?15).

THOUGHT FOR THE DAY:

Without the Holy Spirit we can do nothing. With Him, we can do great and mighty things for His glory.

Bill Bright Products Books, Music, Videos up to 30% Off! http://freedomonline.spreadtheword.com/store/SearchAllSimpleNEW/asp/strSearch/Bill%20Bright

Earn Income, Ministry Funding, Answer God's Calling!

วันพุธที่ 22 ตุลาคม พ.ศ. 2551

Improve Your Sales Closing Ratio

Occasionally EGOPOWER readers send me questions or topic suggestions that I feel would be of interest to you. In this issue I give some tips to improve your sales closing ratio in response to a question Rob Smith wrote me from the UK:

"I sell IT equipment to schools in the UK over the phone. I seem to always hold a massive prospect list that's constantly changing but I'm struggling to get my deals closed. The following is how 85% of my potential deals go:

First Contact:

  • I find a prospective customer
  • Find out what they have at the moment and what they want (where they want to be with I.T. in the future)
  • I find out when they are looking to buy
  • And ask who is involved in the decision making

Next Action:

  • I put together a proposal and post/email/fax it to my contact

Second Contact:

  • I call him/her to discuss the proposal with them, make sure it's what they wanted and make a few extra suggestions.
  • I'll try and have a laugh with them to get some rapport going.
  • I'll try & confirm a decision date again.
  • Say something like - "is this something that we can go ahead with now?" it never is?.
  • "I'll call you in ? days to see if you have come to a decision"

Third Contact:

(before date I promised to follow-up on)

  • "Just calling to make sure everything is OK and to see if you have gathered all the other quotes yet?"
  • "how do we compare" - normal response is pretty good
  • "is there anything I can do before you have your meeting tomorrow that would help you in making a decision?" - usual response is "No"

Fourth Contact:

(day of decision)

  • Won't put me through

Fifth Contact:

(day after decision):

  • Secretary says he's not there

Sixth Contact:

  • Secretary speaks to him and then tells me he's selected a competitor.

"It's quite depressing really and I do put the effort in, I'm sure it's just down to my sales skills. What do you suggest?"

Use Precious Sales Time Wisely

Thanks for writing in Rob. Selling this way IS depressing. I suspect that you are losing your deals very early on. By this I mean that you are expending too much energy on deals that you'll never win.

The decision to send out a proposal should be an important one. Only well qualified prospects that you KNOW you have a high likelihood of winning, merit the effort of creating a proposal.

This is contrary to what many of us learn in sales, which is that is a "numbers game". Send out more proposals, and you'll get more sales the thinking goes.

The problem is unless you know with certainty that you are selling to your prospect's most important buying criteria, your proposals have a low chance of success. You can bet that the competitor who wins the deal, knows just what to put into his proposal before he sends it out.

Qualify Better And Close More Sales

You need to get very clear on what is most important to your prospect. You do this by asking the following questions when you first interview the prospect:

- Why are you planning to purchase this new computer network now? - What is most important to you in a new computer network? - Why is this important now?

You also need to know who the likely competition is that is currently being favored (there is almost always someone with the inside track). One way to ascertain this is by inquiring about similar or related purchases made in the past. Find out which vendors they bought from and why they were awarded the contract.

Ask if any of their past vendors are bidding for this deal. Ask why wouldn't they buy from those vendor(s) bidding on this deal if they bought from them in the past.

Ask the following question about each past vendor bidding on the deal separately to determine who is being favored. Don't just ask "why don't you buy from one of those companies?" Instead ask "Why don't you buy from ABC company? They gave you good installation support last time which you said was very important to you".

By asking about preferences for their current/past vendors, you will find out if there is a real opportunity for you or if they just are gathering bids to document that they have performed a competitive evaluation.

>>> Unless you can find a compelling reason why they would switch to a "new" vendor, your odds of closing are going to be very low.

How well do their current vendors meet the "what's most important" to the prospect criteria?

After you've thoroughly discussed the vendors that they have current business relationships, you can easily ask about any other new vendors that they are considering. They'll likely open up to you on this now because you greased the conversation by getting them to talk about their current vendors first.

If they are reluctant to answer questions about other vendors, then tell them you are selective about who you give bids to. If you know whom else they are evaluating, then you will better know if you can help them and should bid on it.

>>> The lesson here is don't do a proposal unless you can PROVE that you offer an advantage in meeting their key criteria. Being me-too is not enough because it is likely that there are already vendors they do business with that they prefer and know better than you.

By rigorously qualifying your prospects, your closing ratio and total sales will increase significantly. You'll be happier also because not only will your bank acount be fatter, but you'll be working with people who want to work with you.

? 1999-2004 Shamus Brown, All Rights Reserved.

Shamus Brown is a Professional Sales Coach and former high-tech sales pro who began his career selling for IBM. Shamus has written more than 50 articles on selling and is the creator of the popular Persuasive Selling Skills CD Audio Program. You can read more of Shamus Brown's sales tips at http://Sales-Tips.industrialEGO.com/ and you can learn more about his persuasive sales skills training at http://www.Persuasive-Sales-Skills.com/

วันอาทิตย์ที่ 19 ตุลาคม พ.ศ. 2551

Same Time Next Year: Using Editorial Calendars as Part of your PR Efforts

It's the time of year when calendars crowd out the books and magazines in bookstores and are even on sale at reduced prices. But there's a special kind of calendar that all good public relations professionals use ? the editorial calendar.

Using editorial calendars is one of the most effective, yet most overlooked tool in a publicist's toolkit. Most people avoid using editorial calendars because it takes some time to research and compile. The top PR professionals do this every year and I've personally found that outcomes are well worth the time ? especially when you end up getting featured in a key article in a major publication.

Except for the year and the names of the months, these calendars bear little resemblance to the glossy hang-up calendars in the stores. No swimsuit-clad models, lush scenery, puppies, kittens or cartoons of Dilbert. Editorial calendars are usually bare-bones lists of upcoming issue topics and major features ? or at least the cover stories or special sections. Not much to look at ? unless you're a PR pro trying to crack that market.

That's because knowing what publications have in store allows you to tailor your pitches, news releases and articles to particular issues. Helping editors and journalists by providing the stories they need earns you goodwill and increased attention.

Editorial calendars are basically telling you exactly what information they need for each issue. "If you can spin your own story to match what the media is looking for, then you have a great chance of being featured in that publication," she says.

A current editorial calendar can usually be found in the advertising section at the publication's website. If you can't find it there, contact the publications marketing/sales department and ask them to email/snail mail it to you.

Here are some examples of editorial calendars:

? Choice: The Magazine for Professional Coaching - http://www.choice-online.com/calendar.html

? Small Business Technology Magazine - http://www.sbtechnologymagazine.org/write/SBTM_Editorial_Calendar_2004_2005.pdf

? Fortune Small Business - http://www.fortune.com/fortune/mediakit/editcal-targeted.html

Not all publications have editorial calendars. Really small magazines ? the many labor-of-love kind of magazines published by enthusiasts ?usually don't. Magazines, which don't accept ads, may have one but they don't publish it. Totally reader-contributed publications don't. New magazines generally don't because the content is so often changed and tweaked as the publication searches for its voice.

Even some large, national magazines don't have calendars. News weeklies like Time and Newsweek don't. Neither does People or US Weekly. They are steered by what news hits that week and that is, of course, something you can't predict months in advance.

After reviewing the calendar, you can decide which stories you can offer to be a source or expert for, or, in the case of trade publications, which months you could offer a written expert-opinion piece.

Remember that editorial calendars can and do change, so check for updates regularly. Also, pay attention to deadlines. Article queries and pitches especially should be sent to the editors well ahead of time. And if they don't have deadlines, assume that the media need the information about four months out.

Shannon Cherry, APR, MA helps businesses, entrepreneurs and nonprofit organizations to be heard. She's a marketing communications and public relations expert with more than 15 years experience and the owner of Cherry Communications. Subscribe today for Be Heard! a FREE biweekly ezine and get the FREE special report: "Get Set For Success: Creative, Low-Cost Marketing Tips to Help You be Heard." Go to: http://www.cherrycommunications.com/FreeReport.htm

วันพฤหัสบดีที่ 16 ตุลาคม พ.ศ. 2551

Meet The Twixters!

There is a new stage of development for parents to consider.

The stages of development are roughly the following: children move from infancy, to early childhood and onwards to middle childhood. These stages take roughly the first ten or so years of life. Our children then move into a long stage known as adolescence (with a number three sub-stages) that is a transition phase into adulthood. That's it, right?

No, it seems that we have another phase that links adolescence with adulthood. The twenty-first birthday used to signify a move into adulthood and all its accompanying privileges and responsibilities. Now the years from 18 until 25 and beyond seem to have become a distinct stage of life, where young people seem to have lodged for a while, staving off the responsibilities of full adulthood. This phase has been dubbed the Twixter stage.

This group has been on the radar for some years but it seems only now that they are reaching significant status of a sub-culture. They have been variously dubbed 'permakids', 'boomerang kids' and 'adultescence'. Their babyboomer parents don't want to grow old ? they don't want to grow up.

Twixters have put many of the traditional markers of adulthood on hold ? home ownership, marriage and children, if they have them, have been delayed until well into their 30's. Entering the workforce later than previous generations and knowing they will live into their eighties this group has plenty of time to play.

This group can afford to take their time to grow up as they have the luxury of having relatively affluent, cashed-up parents who act as a safety net or a financial back-up in times of need. Oh, and a large number of them still live at home.

It is not as if living at home presents any significant hardship to Twixters. Both parents and twixters hold each other in high regard and maybe both groups gain significant benefits from living with each other longer, rather than having young people flee the nest at the first opportunity.

A recent US Gallup poll found that 90 per cent of young people report being very close to their parents, which contrasts with 40 per cent of babyboomers in 1974 who said that they would be better off without their parents. Twixters and their parents get on with each other.

If young people are delaying partnering and beginning their own families then they are seeking and support networks elsewhere. This is where friends and family of origin play an important role.

Twixters have a special gift for friendships and their culture revolves around strong friendship groups. The American sitcom Friends and its Australian counterpart The Secret Life of Us! showed how friends are a type of surrogate family for twentysomethings ? where you go to for emotional support and acceptance.

The point is Twixters will not go away. Biologically, it seems that the human brain is still developing well into the 20's so a young person's neurological development at 18 is still a many years from being complete.

There is little doubt that adulthood is delayed in a communal sense. One survey recently found that most people believe that the transition to adulthood should be completed by the age of 26, on average and the number is going up.

So, if your eldest is a toddler then you had better make sure you get on because he or she will be around for a couple of decades yet. It may be a scary thought! It certainly challenges us all to rethink the way we parent young people, rethink the notion of adolescence itself and its transitions and rethink how we organise our personal lives to accommodate the demands of these Peter Pans.

For more great ideas from Michael Grose to help you raise confident kids and resilient young people subscribe to Happy Kids, his fortnightly email newsletter. Just visit http://www.parentingideas.com.au and subscribe. Receive a free report on Seven ways to beat sibling rivalry in your email box when you subscribe

Michael Grose ? http://www.parentingideas.com.au

Michael Grose - helping you raise confident kids and resilient teenagers

Australia's most popular parenting educator. The author of six books and presenter of over 100 presentations every year

วันอังคารที่ 14 ตุลาคม พ.ศ. 2551

Meditation: Time to Stop & Listen

As a co-active coach, one of the underlying principles that I subscribe to is that everyone has their own answers within. Most of what I do as a coach is to give people the time, space and permission to find these answers (and sometimes I provide a question or two to get things going).

So, outside of a coaching session, how can we learn to access these answers that we all have? One thing that I'm learning is that the answers can't come to me if my head is always busy figuring things out, working, talking, or reading. If I'm doing those things, I'm actually blocking myself from hearing my own wise answers.

One sure way to get an answer to a question is to ask the question and listen for an answer. We're all quite well-versed at this practice, "Have you seen my briefcase?", "What would you like to do for dinner tonight?", "When is that report due?".

And what I've noticed for myself is that I forget this logic when it comes to listening for my own answers. Rarely do I sit quietly and listen. Rarer still do I actually intentionally *ask* myself a question.

I'm working at increasing my practice of asking and listening for answers from within. Since I'm still a beginner, I thought I'd ask someone with more experience to speak further on this topic with us.

Karen Kofman, who co-led a workshop on "Gratitude" with me in November 2003, has a background in corporate training. She currently gives workshops of a spiritual nature involving inner serenity. Karen practices reiki, aromaptherapy, yoga and meditation.

Linda: What is your definition of meditation?

Karen: Meditation is a process to empty and calm the mind, which results in a sense of peace, serenity and calmness and eventually opening yourself to new insights and a sense of overall well-being.

Linda: How has your life changed since you've been practicing meditation regularly?

Karen: Meditation has come into my life very slowly, when I first started I didn't notice much change, but over time, there have been major spiritual and emotional awakenings. I am more settled, less anxious, have more energy and am less judgmental of those around me.

Linda: What's the best way for someone to start meditating?

Karen: The first thing I want to make clear is that meditation is not complicated, doesn't take a lot of time, and can be done by anyone. Most of us have dabbled in meditation by participating in conscious relaxation, perhaps during an exercise class or sport activity.

Here is a meditation exercise you can try for yourself.

Start by paying attention to your breathing. The practical effect of focusing completely on your breathing leads to a sense of calmness, as it takes your mind away from the "clutter" that constantly tries to invade.

Take a few deep breaths to relax your body and mind. Begin to breath again and with each exhalation feel your body relax into a peaceful state. Let go of thoughts, worries. Feel the presence of stillness within you. Feel a softness around your heart.

If thoughts emerge, acknowledge them and go back to your breath. Continue this process for 3-10 minutes to begin and you may increase the time as you feel necessary.

With repeated efforts, the goal of clearing your mind to think of nothing will come more easily. You will have the ability to be clear and open and to welcome spaces for fresh and clean thoughts to emerge. The process of meditation will begin to take on its own energies.

Thanks so much to Karen Kofman for sharing her wisdom with us this month! It's certainly inspired me to "stop and listen" more often.

(c) Copyright 2005, Genuine Coaching Services.

Linda Dessau, the Self-Care Coach, is the author of "The Everyday Self-Care Workbook". To receive one of her free monthly newsletters, subscribe at http://www.genuinecoaching.com/newsletter.html

วันเสาร์ที่ 11 ตุลาคม พ.ศ. 2551

How to Finance a Small Business

Confused by how to finance a small business? One key to a successful business start-up and expansion is your ability to obtain and secure appropriate financing.

Raising capital is the most basic of all business activities. But as many new entrepreneurs quickly discover, raising capital may not be easy; in fact, it can be a complex and frustrating process. However, if you are informed and have planned effectively, raising money for your business will not be a painful experience.

This guide focuses on ways a small business can raise money.

There are several sources to consider when looking for financing. It is important to explore all of your options before making a decision.

Personal savings: The primary source of capital for most new businesses comes from savings and other forms of personal resources. While credit cards are often used to finance business needs, there may be better options available, even for very small loans.

Friends and relatives: Many entrepreneurs look to private sources such as friends and family when starting out in a business venture. Often, money is loaned interest free or at a low interest rate, which can be beneficial when getting started.

Banks: The most common source of funding, banks, will provide a loan if you can show that your business proposal is sound.

Venture capital firms: These firms help expanding companies grow in exchange for equity or partial ownership.

It is often said that small business people have a difficult time borrowing money. This is not necessarily true.

Banks make money by lending money. However, the inexperience of many small business owners in financial matters often prompts banks to deny loan requests.

Requesting a loan when you are not properly prepared sends a signal to your lender. That message is: "High Risk!"

To be successful in obtaining a loan, you must be prepared and organized. You must know exactly how much money you need, why you need it, and how you will pay it back. You must be able to convince your lender that you are a good credit risk.

You may freely reprint this article provided the author's biography remains intact:

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

วันพุธที่ 8 ตุลาคม พ.ศ. 2551

Life Goes On

Boy, do I feel old. Or at least older.

No, I didn't just have a birthday (well, it was last month). I am thirty-seven years old. No, my oldest child just had a birthday ? he turned 13 last Friday (I have four kids ? 13, 11, 9, and 8).

Sure, I am not old, and neither is he. But this birthday ? the 13th ? is significant and is cause for reflection. "They don't get any younger," they say. And that is exactly my point.

It seems like just yesterday I was playing baseball in little league. Or getting my high school diploma. Or walking down the aisle to get married. Or seeing my firstborn for the first time in that hospital in Morristown N.J.

All of those things were great experiences and ones that I will only experience once. They were fulfillments of goals I had set or dreams that I had. They came, and they went. Now they are but memories. Can you remember yours?

Soon enough this young man of mine will graduate himself and be gone from our home. And his three little sisters soon after that. When the youngest graduates from high school, I'll be 47. Ten more years of goals fulfilled , but ten years less to live.

Life goes on and there is nothing you can do to stop the wheels of time? All you can do is make sure that you live every moment of every hour, of every day, week and year to it's fullest. That is all we can do.

So these are my question to you this week: Are you aware that your life goes on? Do you realize that many of things you are experiencing will never be experienced again? Do you know that once a day is gone, it is gone forever?

Its true. All the more reason we must be extremely proactive. I am not suggesting that we work all the time. I believe that we should live balanced lives and that our down times are just as important in the grand scheme of things as those in which we are working away. The key is to know what we want to do, to be proactive in making sure we do it, and then following through so when that day comes on which we take our last breath, or someone close to us does, we know deep down in our hearts that we did everything we could to make the most of our lives.

Have you taken responsibility and ownership for your life?

Do you have clearly stated goals?

Are you working on your relationships to make them as healthy as humanly possible? Are you keeping your life in balance?

Will you leave a legacy for others to enjoy and follow?

These are important questions to answer. More important than that is to do what it takes to live the life of your dreams and leave a lasting legacy.

I am spending my life committed to helping others do all they can to make the most of their lives and enjoy them to the fullest. If you are doing that and living the life of your dreams, that is great!

If you don't take the time and invest today, when will you? You don't have to pursue your dreams ? they can wait right? But remember, life goes on. The kids get older, and so do you. Tomorrow there will only be one less day to make your significant mark on the world. You know the world needs your contribution, don't you? Now more than ever!

Here is my challenge: Live your dreams TODAY! Take your life under your control and make it happen.

About The Author:

Chris Widener is a popular speaker and writer as well as the President of Made for Success, a company helping individuals and organizations turn their potential into performance, succeed in every area of their lives and achieve their dreams.

To see Chris "live" at the upcoming Jim Rohn Weekend Event as he speaks on the subject of Secrets of Influence go to http://Chris-Widener.InspiresYOU.com/ or call 800-929-0434.

วันอาทิตย์ที่ 5 ตุลาคม พ.ศ. 2551

Leather Jackets, Pants, Skirts: Bikers - The Hot Products In Leather Market

What is Fashion? Embracing style, trend, and comfort is called Fashion.

Fashion in todays world is compared to air in our planet. Its the most recent developments of our modern society. The demands are high so are the options spouting out with every moving day. LEATHER Fashion is the most recent one in the business.

Leather jackets, leather coats, leather bikers, leather pants, leather Halters, leather skirts, leather blazers, leather bombers, fur coats has made their own impact on man's look and personality. Leather fashion has made it ways with new designs, colors and quality. Not only dresses, accessories (handbags, wallets, gloves, belts) are also in the market.

And if you find it in your finger tip? Today every corner of the world is connected through a mass web --Internet. This word is now Global term for flow of information, flow of market, or if its a online business. Buying and selling products on internet is on boom now. The trem we use is E-commerce.

Leather Fashion market has also followed the trend. Try to search for leather apparel and accessories. You get an ample to sites in hands. Not only the catalog and the payments, you will find places where you can actually get the custom made leather goods i.e we provide leather clothes customized to your size and specially designed leather apparel on customer request. They serve you with free offers and special price.

Leather jackets, leather coats, leather bikers, leather pants, leather Halters, leather skirts, leather blazers, leather bombers, fur coats:all in different quality and colors. All you need to do is choosing the right color and quality. Now its easy for you to be with the crowd.

Give your personality a new defination. The hot leather pants, vibrating colors of leather jackets, new cuts & curves in leather blazers, sexy halters and much much more... Here is a chance for you to give your wardrobe a new gift. http://www.leathericon.com

วันศุกร์ที่ 3 ตุลาคม พ.ศ. 2551

Balance Transfers Can Help You Stop Putting Money Down The Drain!

As you probably know, interest rates are at all time low right now and if you aren't getting the best deal from your credit card company then they owe it to you to either lower your rate, or you owe it to yourself to find a better deal. You see, credit card companies need your business in order to succeed and if you refuse to pay a penny more than you have to then you'll be doing yourself and others a big favour indeed. By doing this, you'll avoid paying more than you should and the companies will stop treating its clients inappropriately.

Now that this is clear, we will talk about the essentials of balance transfers, how they work and how you can ensure that you get the absolute best possible deal.

  • First and foremost, understand what a balance transfer http://www.the-credit-card-centre.co.uk/balance-transfers.html is. A balance transfer is when you transfer the balance from one card to another in order to get a better interest rate than the one that you are currently getting.

  • Second, to find the absolute best deals, look to transfer balances on cards where the initial interest rate is 0% and the amount after that is lower than the one you have now. For instance, if you're a cardholder that has an interest rate of 27.4% on a ?1000 balance and you only pay ?150 a month for 6 months, you will not pay off the balance in 6 months. Instead you will pay ?247 worth of interest and your balance after 6 months will be ?346. In contrast, if you had a 0% card and make the same monthly payment then your balance will be reduced to ?100 at the end of the 6 month period, a tremendous saving!

  • Third, don't throw those offers that you receive in the mail away. If you have great credit then you'll likely have credit card companies vying for your attention. Just use this power to your advantage and find the very best 0% deal for you.

  • If no good deals seem apparent, then you have to find your own deals. You can do this by conducting a thorough search on the internet to see if you can find a 0% card offer.

  • Once you've done this, request information and then review it carefully. Pay close attention to the rate after the initial introductory period is over. For instance, if you have two choices of cards with 0% interest rates http://www.the-credit-card-centre.co.uk/0%-credit-cards.html for 6 months and one charges an interest rate of 15.00% after the initial period and one that charges 11.00% after the initial period then by all means choose the second one because it is by far the better deal overall.

  • Read and then reread the credit cardholder agreement a couple of times. Make sure that you understand all of the jargon and if you don't, find someone that does before you sign it. Review it closely to make sure that you are getting the best deal possible. For instance, when evaluating deals, you should ask yourself these questions:

  • How long does the introductory rate last?

  • What will be the rate after the teaser expires?

  • What are the cards annual fees? Can they be waived?

  • Are there any transfer fees that you should be aware of?

  • Are there any perks that are offered? (Ex. frequent flier miles, free gifts, etc).

  • Once you've decided on an offer, fill out your application fully and get it in the mail as soon as you can.

  • Once you get the offer, make sure that it is a 0% teaser rate and if it isn't, then contact the company right away. If they aren't open to doing so then tell them that you're cancelling the card and look for another company that delivers what they promise. Your primary goal is avoid the old "bait and switch" while simultaneously saving money on interest.

  • While waiting for your new card, make sure that you continue to pay on your old card to avoid glitches in your credit report and once you receive notification that the transfer has been made, make sure you contact the old company and make sure that they received the payoff amount.

  • After the teaser rate is up, don't be afraid to jump from one credit card to another after the teaser expires. You see, there is absolutely nothing wrong with surfing cards and taking advantage of 0% offers whenever you possibly can. Just keep finding and researching great deals.

    That's it my friend. Credit card transfers don't have to be so confusing and daunting. If you follow the above mentioned steps then you can and will win the balance transfer rate and stop throwing your hard earned money down the drain.

    About The Author

    Claire Bowes is a successful freelance writer and owner of the Credit Card Centre http://www.the-credit-card-centre.co.uk/ where you will find further advice and tips on the best credit card deals http://www.the-credit-card-centre.co.uk/best-credit-cards.html , balance transfers and 0% credit cards.

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