Bad credit loans are in high demand. And if you do any research on “bad credit loan”, you’ll find plenty of advice on how to get the lowest interest rate. You’ll also find plenty of people willing to give you a bad credit loan, but you’d be making a mistake to accept it. Unfortunately, most of what you’ll find approaches the problem from the wrong direction. The way to get the VERY best interest rate on a bad credit loan is usually overlooked or concealed altogether. But before we continue, let’s digress briefly and look at how significantly the higher rate for a bad credit loan affects the borrower. Let’s say you want to buy a house, but have bad credit. No matter how diligently you shop for a lender, you’re still be charged a higher interest rate for a bad credit loan than if you had good credit. With good credit, you might get a mortgage loan at 6% interest. But a bad credit loan will cost you closer to 12%. Assuming you get a $100,000 mortgage over 30 years, the difference you’d pay in interest amounts to a monstrous $154,461.60 MORE because you have bad credit. That’s over 1½ times the loan itself! Now getting back to our original problem, how can you get a better interest rate for a bad credit loan? The answer is probably not what you were expecting. The solution is to “think outside the box.” The way to get a bad credit loan with the best interest rate is to NOT get one! Instead, spend a couple of months fixing your bad credit, and then look for a “good credit loan” instead. This answer probably comes as something of a shock to you. More than likely, several objections to this approach will come to mind. 1. “I need a loan NOW” or “It’s not worth my while to wait until I repair my credit.” Oh really? Well, is it worth a savings of $150,000 or more? Granted you may not be looking for a $100,000 loan. But even if you want to borrow only $10,000 or so, the better rates you’ll enjoy with good credit will still save you several thousand dollars. 2. “Fixing my credit will take too long, or it just isn’t possible.” It’s often possible to make very a significant improvement in your credit rating in just a few months, and in some cases as little as 30 days. 3. “I don’t know how to repair my credit and can’t afford to hire a credit repair agency” For a fraction of the cost of a professional agency, you can purchase a good book on credit repair that will walk you through the whole process. 4. “Do-it-yourself credit repair is too difficult” or “I don’t think I can repair my own credit” Don’t be intimidated by the idea of fixing your own credit. If you can write a few letters, address, stamp, and mail them you can repair your own credit. Your decision comes down to this; you have two choices. 1. You can spend some time (maybe a LOT of time) shopping for a bad credit loan with the lowest possible rate, and still end up paying thousands (even tens of thousands) more in interest. 2. You can spend some time fixing your credit and spend those thousands on your family’s needs, instead of paying them to your lender. Do you really think your lender needs your hard earned money more than you and your family need it? Anybody can work on fixing their own credit. That’s right, anybody! Get a good book on credit repair and get started TODAY! Resources: Credit Cards For Bad Credit
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The healthcare industry is experiencing a great amount of job growth. There is a nationwide shortage of nurses, and this shortage is predicted to get worse. Jobs in the field of nursing are abundant worldwide. Unfortunately, not only are there not enough nurses, there are not enough nursing educators. This causes a high degree of competition for those wanting to get in to a nursing program. Potential nursing students are finding it difficult to find programs, and when they do, there are often wait lists. The wait is worth it, however. Since qualified nurses are in high demand - and will continue to be, the wages too, will continue to rise. Registered nurses constitute one of the largest healthcare occupations, with 2.3 million jobs. Even more new jobs are expected to be created for registered nurses than for any other occupation. These job opportunities are expected to be very good. Registered nurses known as RN's work to sustain health, prevent disease, and support patients who are dealing with illness. They are advocates and health educators for the community, their patients and the patients families. Registered nurses deal with direct patient care. It is their job to observe patients, record symptoms and track patient progress. The also help to assist doctors during surgery, treatment, and examinations. They are also required to administer medications, and help in convalescence and therapy. The setting a registered nurse works in somewhat determines their regular duties. Hospital nurses form the largest group of nurses. Hospital nurses provide bedside nursing care and carry out medical regimens. They also may supervise licensed practical nurses and nursing aides. Hospital nurses usually are assigned to one department, such as surgery, maternity, pediatrics, the emergency room, intensive care, or the treatment of cancer patients. There are three different nursing degrees that lead to an RN. To become an RN, nurses need to graduate from a 4-year Bachelor of Sciences in Nursing, an Associates of Nursing, or a Nursing Diploma program offered by hospitals. They also need to pass a national licensing examination. A registered nursing degree has a national licensing section that makes it easier to get licensed in multiple states. This is helpful if a nurse gets recruited elsewhere. According to the Department of Labor Statistics, registered nurses will be in great demand for the foreseeable future. More new nursing jobs will be open than jobs in any other field. At this time, there is a shortage of qualified nurses to even come close to filling the projected demand. The average salary for a nurse is approximately $48,000 with the higher 10% making upwards of $69,000 annually. Creating a steady income from home can be a daunting process. Being successful from home can often take more work than your regular 9 to 5. Nevertheless, if you learn to break things down and follow a simple forumla, your home business can give you all the income and time freedom that you are seeking in a work from home business. My successful business formula involves 5 steps. I follow these same five steps with every person I come into contact with. Having a system not only makes my days more organized, but also it opens more time for me to enjoy the financial rewards that the system creates. Here is my simple formula: Step 1; Collect Leads: This is an entire article in itself (which is in the works). For the sake of keeping this article on track, I will touch on this only briefly. There are many ways to get leads. You can buy leads, place ads in papers and on the net, use ad words, submit your site to search engines, mail postcards, etc. There are literally 100's of ways to advertise. The trick is finding a couple of advertising techniques that you like best and that fit your budget and then try them out. Those that bring you the most success can be tweaked farther to give you the results you want. Just remember to always test each ad or lead generating technique you use. From my own experience, I like to talk to those that are in my business and find out what they are doing. They have most often been through the trial and error process and can save you sometime. Step 2; Call Leads: This is the step that most people have reservations about. If you want to be successful in any home business, you must pick up the phone. This does not mean "cold" calling people. I never call anybody that has not asked to hear about my home business. Use your lead generating techniques instep one to create leads that want to hear from you and then contact them. Whether you business costs $5 or $5000 to join, people want to know that there is a real person behind the business that they can consult with questions. Talking to them and establishing rapport and trust will go a long way to making sure that the prospect joins you in your home business. When still a "rookie" to making calls, it is best to have a script or outline to follow. This is not to say that you read directly from that. Just use it as a guide to keep you on track and in control of the call. Most importantly in regards to calls......LISTEN. Listen and take notes about what the prospect is telling you. Remember, you are trying to get to know this person and establish their trust. Step 3; Email It is hard to ignore this powerful tool. When collecting my leads, I always get an email and phone number to use instep 2 and 3 of my system. Just as I do not make cold calls, I do not send emails to those who have not asked for it. Spam complaints will kill your business and your rapport with people. When I get an email, I simply have that email address automatically entered an autoresponder. My autoresponder then sends messages every few days to keep me fresh in my prospects mind. Autoresponders are a must have for any business. They allow you to stay in contact for long periods of time while doing virtually no work. They also increase the quantity of times your prospect is exposed to you and your business. Remember this, on average a prospect must see your message 5 to 12 times before joining you. Step 4; Direct Mail Information Packet. With all the new email laws and email blocking systems, direct mail is making a comeback. As I said instep 3, you want to expose yourself to your prospect as many times as possible. Nevertheless, if you use one method of exposure....Your prospect may begin to ignore you. Diversifying your exposure types will keep them interested. I must state that I do not mail information packets to everybody. Only those that I have talked with, and that have expressed interest. Mailing the packets can become expensive if you mail them to everyone. That said, putting the pack together is very easy. I used the ad copy on my website to develop the packet. Then I throw in a business card or flyer and send it on its way. This also makes sure the people actually see the content of your site. Many have seen so many websites that they just browse them. They are more liable to sit down and read printed text than to sit at their computer and read through your website. Step 5; Direct Mail Postcard. Postcards, like direct mail, give you another way to expose yourself to your prospects. They are fun to design and can be sent quickly and easily. Because they are less expensive than the direct mail packets, I send a postcard to all my leads. People love getting postcards. They do have the junk mail stigma and if designed well, they can give a personal touch to your business. I actually send a postcard campaign that sends multiple postcards over a period of 45 - 60 days to my prospects. I use a service that does this automatically and even personalizes each card for me. Always remember this, it takes on average 5 to 12 exposures to get somebody into your business. My 5-step process actually includes multiple exposures within each step. For example, my emails include phone numbers to live calls and links to movies to watch. One email can get me three or more exposures. The key to any business is to have a formula or process to follow. Knowing what you are going to do each day keeps you focused and allows you to track how your business is doing and what may or may not be working. That's it! Those 5 simple steps earn me a consistent 6-figure income from home. Your results may differ based on your business, and your compensation plan among other things, but this process will definitely increase your sign up rate. Resources: Can Mom Make Money With A Home Based Business? You hear it al the time if you have been involved or are involved in the home business or internet business industry: “You need a system to succeed.” I like to take this a step farther. You not only need a “system”, but to get the most out of your home business opportunity, you need to have an Automated System. To take that even one step farther, your Automated System must hit your prospects from EVERY angle to achieve the highest levels of prosperity. Here are four techniques that if used on all your prospects WILL increase your earnings with ANY home or internet business opportunity. Step 1: Create a “capture” or “squeeze” page. Even if you have no idea what this is, you have almost certainly seen a capture page and even been “captured by one. A capture page is simply a page that is set up to give some brief information about a product or service, but then requires the prospect to enter their info to get the full details. It is often a teaser or hyped up page to get the prospect to want to know more. The most effective capture pages touch on the prospects personal or financial needs compelling them to find out more by filling in their information. Once they do, you own their information for life and can continue to follow up with them or contact them about other offers of services you have no, or develop in the future. Capture pages are a MUST to start building your list that you will be able to promote any product or service. A great program that allows even the most novice person to create capture pages in minutes Lead Page Generator. Special note: NEVER LOSE YOUR LIST OF CAPTURED NAMES, ADDRESSES, EMAILS, ETC. Those that are highly successful in any home business or internet opportunity have a list of thousands that they have built over the years. Any time they have a new product, service or opportunity to promote they send it out to their list first. The gives you a big head start and if your products, services and opportunities have been successful in the past, your list will follow you everywhere. This all leads into the second technique to creating a totally automated system, email auto responders. Step 2: Follow up with prospects via email This is the easiest and most recognizable form of follow up. When creating a capture page, all you have to do tie the information form into an auto responder. This could be done very easily using services such as aweber. Now, when a prospect fills in their information, you not only get to keep their information for your list, but now you can follow up with them daily, weekly, monthly without having to lift a finger. Of course, you have to write your email follow up messages ahead of time, but once you have them completed, you are following up with your prospects over and over while doing no additional work. While email is a nice tool to make your system automated, it is far too often the ONLY tool people use. This is a huge mistake. Fact is, that email follow up and marketing is becoming far less effective due to spam laws and people filtering their email accounts. To reach as many people as possible, you need to come at them from different angles. Step 3: Follow up with a voice broadcasting system Voice broadcasting gives you yet another method of following up with prospects. It is an awesome tool and as of late has been sort of the “new email.” Because email is getting caught by filters and spam control features, it is necessary to try to reach prospects using other methods. Outside email, voice broadcasting is the easiest and least expensive means of following up. In addition, voice broadcasting can keep your system totally automated. You can record a simple message or series of messages, collect the prospects phone number on your capture page and then simply set up your voice broadcasting software to call them once, weekly, monthly or whatever you choose. There are much services to use out there. Goldcalling, voiceshot, probuilderplus, and protus are just a few. Step 4: Postcard follow up Direct mail is by far the most forgotten means of follow up, but often the most effective. Postcards are a terrific ways to make sure that your prospects hear form you. By simply collecting their mailing info on your capture page, you have set yourself up to use an incredible tool that will definitely help increase your sales and income. There are a couple of services that allow you to set up a direct mail campaign to work just like an email auto responder. The best service I thought is PostCardAutoresponder.com. You can input the prospects mailing address and set up a campaign that will send them a postcard once, twice, weekly, monthly, or whatever you choose. Just set it up once and forget it. You can contact a prospect for an entire year on autopilot . You can even create custom postcards for any business , service or opportunity. If you use that simple 4 step plan to create an automated system for your business, you will definitely increase sales and income. Plus, you will not only have an automated system that works for you while you are doing the things you enjoy, but it will be one that contacts prospects from every angle so they are sure to get your message early and often. Remember, it is not always enough just to have a system. You need to have an automated system that you can plug each prospect into that will run itself while you focus on building your business. Resources: Marketing on a Limited Budget This is your new blog post. 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Have you ever wanted to have an online job that can make you finally financially free? Are you fed up with your boss and want to quit your job? If your answer is “Yes”, then this article has the solution you have been looking for. In this article I am going to explain best 6 ways to make $3000+ online per month. 1- Making money with affiliate programs: Did you hear about those companies who give people commissions to help them sell their products? Do you know that many people make $5000+ per month selling others stuff; it is a big cake that everybody can have a piece from, simply because online business is booming day after another. To do this you don’t necessarily have 10 years of marketing experience or so, also it doesn’t involve calling people to recommend that product or distributing fliers in the streets! It is as simple as setting an online $2 dollar advertisement that brings you a commission of up to $150, depending on the product you are selling. Also there are a lot of free ways to advertise for these products like forums, blogs etc. 2- Making money filling online surveys: Industries pay over 250 Billion dollars on market researching every year, why? Simply because, if they launch unsuccessful product they lose a lot of money and time, this is apart from downgrading of their brand name, to drive away all these worries, they do what is known as “Market Research” they ask people what do you need? What is your opinion about? What would you like to see in this product? Etc. So they can target the market needs successfully. All this is good but how can I make money from surveys? Money market researching companies offer its participants money to fill market researching surveys, do you know that your can make 5-75$ for spending 15 minutes online giving your opinion in one survey? 3- Make money driving your own car Or Get a free new car: Many companies use cars as a successful advertisement poster moving everywhere around the town, and they are really willing to pay for it. How it works? It is simple, you have two options, You can register your own car to be wrapped with advertisement and you get paid up to $3200 per month OR You receive a free new car wrapped with advertisement to drive. It is as simple as this!! 4- Make money shopping and eating: Would you like to go shop, eat and go to amusement parks not just for free but to get paid too!! Yes you can do that, strange, isn’t it? Many companies spend millions of dollars to know how satisfied their customers are? What are their customers’ needs? Etc. And they are going to pay you to do this for them. 5- Make money with eBay: Nobody doesn’t know eBay, but if you don’t, eBay is the auctions website allows people to buy and sell cars, software, computers, books etc. Some people make thousands of dollars on eBay, some others don’t, what is the difference between these two kind of people? The difference is What to buy? What to Sell? What are the products with least competition and highest demands? These is what matters, if you want to be an eBay power seller you must consider these questions. 6- Make money with adsense: Adsense allows you to put advertisement on your website and get paid every time an advertisement is clicked. Nevertheless the problem is most of the people don’t have websites on the internet, but what if I could tell how to get a ready to be launched website, not only that, but how to get paid $2 per click, which means you can make $100+ a day. To my knowledge these are the best methods online to help you increase your income and may be quit your job, I hope it was helpful to you. Resources: Click Hear |
AuthorMy name is Wilbur and I am a Pest Control Technician. Internet is my hobby and passion. Thank you for spending a little time on my site... ArchivesCategories
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