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THE 0% APR CREDIT CARD
THE TALES OF THE 0% APR CREDIT CARD
John Caldecott
People used to think that they had enough on their benefits with their credit cards. They thought that the rewards they get and the low interest they have is already enough to last a lifetime.
However, there are instances when they get to have the chance of seeing promotions like 0% APR. Now, this is really something. But the question is, is it true? Is there a great probability that credit card companies can actually offer a 0% APR?
For most financial experts, they contend that it is, indeed, possible. In fact, credit card companies would definitely go for this kind of scheme just to get the consumers on their hook.
That sounds too good to be true, indeed. But the question is how come they can offer something so good just like that?
Normally, 0% annual percentage rate or APR lasts only for 6 months. The countdown starts from the day the credit card is claimed.
In most instances, 0% APR are attractive to people who would want to have a balance transfer. This is because they would want to consolidate all of their debts into one payment only. And because they have a huge pile of debt, they would rather go to a credit company that can offer them lower interest rates.
With things like 0% APR credit card, who can resist them?
Moreover, with the 6-month timeframe, people will get to have the chance of paying their standing debts for a whole six month-period only. That would be a lot of savings.
But then again, 0% APR credit cards are not at all beneficial to everybody. As they say, there is always an exception to the rule. This refers to those who do not accumulate interest charges simply because they have outstanding balance. So, they wouldn’t feel the necessity of getting a 0% APR credit card.
The best credit cards for these types of people are those that offer rewards and cash backs instead of lower rates.
All of these boil down to one point, that people must be aware on how these wonderful offers can provide them the benefit that they want.
Indeed, there are lots of rewards and 0% APR credit card out there. But if it will not work for those who do not really them because of the mentioned situations, then it’s best not to have them at all. Besides, the best 0% reward is not to have a credit card at all.
Godbless, John Caldecott.
http://www.stormpay.com/?2060529
http://www.softwarenebooks.info
Labels: Credit Cards
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Your Viral E-book
How to Make Your Readers Pass on Your Viral E-book
John Caldecott
Producing a viral e-book can be the most important aspect to determine your business’ success. Most people consider it the number one internet marketing strategy at the present time. Most businesses, especially online, have adopted this technique and used it to their advantage.
A viral e-book is a book that can be downloaded over the internet and most of the time, free. This e-book is also one that can be freely given away by readers after they have finished reading it. It is termed viral because of the fact that people would be willing to give it away to others for the benefit of the author.
What would make readers give it away?
As a consumer, what makes you recommend a product or suggest a service to your friends or relatives? Or what makes you do otherwise?
When you buy a product or use the service of a certain shop or establishment and are happy with your experience as a customer, you are most likely to tell your friends and relatives about it. People have this instinct to share what made them happy and feel good for others to experience the same thing.
Likewise, if you are dissatisfied with something, you will also tell others about the bad experience to warn them. This attitude of consumers is well-known to marketers and uses it to their advantage. And this is basically how viral marketing and your viral e-book works.
If your e-book is something that is really interesting and contains several information a person can benefit from, there is a high probability that the reader will pass it on to others who he thinks will be interested as well. It is similar to chain emails that contain jokes and funny stories that are continuously being passed around over the internet.
Another thing that will make your readers pass the e-book to others, and perhaps the most effective, is through affiliate links. If you make your reader be someone like a business affiliate, that would encourage him more to pass it on because he knows he will also benefit from it.
Let’s say you go into a membership shop and buys something. When you are already in the check-out counter, the saleslady tells you that if you bring in a friend next time who also becomes a member, you will receive $50 gift certificate. Wow! That will surely encourage you to invite someone to become a member, wouldn’t it?
The same concept can be applied in your e-book to make it more “viral.” You can give rights to the readers to include their affiliate IDs in your link. That would mean more sales to you because these people would register under you as an affiliate, at the same time make them earn with the affiliate commissions of your program.
However, there are things to be considered to make sure that you still have some control of those links that will be modified. There might be others who may place a totally different link which is not in any way related to your e-book. That will just ruin the process.
You should put clear instructions as to how these people can distribute your e-book with their affiliate links in it. There should also be an agreement in black and white to prevent some legal issues that may arise.
Also, make sure to control the amount of links in your e-book. Something that looks like a compilation of tons of affiliate links will discourage readers in proceeding with your e-book. It is also best to place the links in such a way that is not too obvious to the eyes of the readers. Try to sneak them in a clean way within the statements of your e-book.
Always remember, when you are trying to produce your e-book, your main goal is for it to reach the most number of potential customers in a short time and with a little effort on your part. So make use of your readers to help you achieve this goal. Utilize them wisely and give fair rewards to better entice them in passing your e-book on to others. Anyways, this is one of the principles of viral marketing.
Godbless, John Caldecott.
http://tinyurl.com/y95vmc
http://www.freesoftwareandebooks.com
http://www.softwarenebooks.info
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The Internet's 'Secret' Goldmine
How to Uncover The Internet's 'Secret' Goldmine
By Simon Grabowski, CEO of GetResponse.com
Great domain names are becoming increasingly scarce. Close
to 23 million ".com" names have been registered, and over 22
thousand are being purchased every day. It means that you're
more likely to win the lottery than find a good domain name.
Owning a domain name that helps to successfully "magnetize"
a flood of traffic is like gold to any online business. But
the increasing scarcity of domain names that are memorable,
short and suggestive have turned them into hot commodities.
Look at some of the recent acquisitions in domain names:
- business.com sold for $7.5 million
- asseenontv.com sold for $5 million
- altavista.com sold for $3.3 million
- loans.com sold for $3 million
- autos.com sold for $2.2 million
- wallstreet.com sold for $1.03 million
- forsalebyowner.com sold for $835,000
- drugs.com sold for $825,000
- cinema.com sold for $700,000
- art.com sold for $450,000
- engineering.org sold for $199,000
- fruits.com sold for $160,000
- perfect.com sold for $94,000
However, while some domains may have been sold for millions,
corporate buyers backed by large bank accounts are not alone
in the domain name game. Even entrepreneurs and speculators
are making a good living in buying and selling domains.
Everyday, domain names are selling for as little as $100 or
as much as $1 million on public auction sites. For example,
eBay.com recently featured actual bids for as little as $500
for "golegs.com" to as much as $20,000 for "arlington.com"
-- and thousands more hovering anywhere in between.
Some individuals seem to know where to grab these "nuggets
of gold." In fact, a handful know about an untapped goldmine
that lies discreetly tucked away in the dark corners of the
Internet. And the awareness of this source has helped these
"lucky" individuals generate either outrageous fortunes or
outrageous levels of traffic for their website.
The goldmine to which I'm referring is the pool of expired
domain names. While only a few people may be privy to its
existence, it is nonetheless ballooning with every passing
day. As much as tens of thousands of unclaimed, unrenewed
and expired domain names become available on a daily basis.
An expired domain is one that was registered previously but
wasn't paid for in time for the renewal date, thus returning
it to the pool of available domains. There are many reasons
for non-renewal (e.g., the owner forgot, has lost interest
in the venture, was no longer in business, was no longer
reachable or just didn't pay for it for whatever reason).
However, you may be asking, "Sure, but I'm never going to
find good domain names let alone do so before someone else
snatches them up." For a long time, being "lucky" also meant
being alert for the countless domains that become available,
and being swift in registering them before anyone else does.
However, new tools are now available, making the process of
searching, finding and registering great domain names a lot
easier. In fact, some of them also help you to become aware
of soon-to-expire domains, granting you an almost psychical
edge over your competitors that allows you to snap up names
just seconds after they're actually dropped.
Nevertheless, a compelling domain name can help an online
business become more visible, credible and accessible. And
it can also help a person make a fortune. While finding one
was very prohibitive, with the help of tools that are now at
your disposal you can be a part of the gold rush, too.
--------------------- About the Author ---------------------
Simon Grabowski is the owner of many online businesses that
generate close to a million dollars in annual online sales.
His latest is the BizMint.com, a unique, sophisticated tool
that helps you to explode your online business by searching
and registering from millions of expired and soon-to-expire
domain names. See http://www.bizmint.com/index/ujohn391
John Caldecott
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Debt - Face up to Your Debt!
Face Up to Your Debts, They Won't Go Away
By: Nicholas Hunt
Record numbers of people are struggling under the burden of heavy debt, and when things
start to get unmanagable it's easy to try and ignore the situation in the vain hope that
the problem will go away. Of course, we all know deep down that our debt situation has to
be tackled, however stressful and scary the prospect might be. So how can you go about
facing up to your debts?
The first thing to do is take a long look at your financial situation. How much money can
you afford to devote to repaying debt? Are there any ways to increase your income? Are
there any ways to reduce your expenses? By drawing up a sensible and honest budget plan
you'll at least know the true extent of your problems, and you'll be taking the first step
to getting back in control.
Next, you need to look at your repayments and expenses, and identify which are the most
important. Your mortgage or rent should always be your number one priority, closely
followed by essential bills such as electricity and water.
Make sure your budget plan will cover these essentials first, then add in the costs of
daily necessities such as food. After you've done this you should have a figure for the
total cost of your most important expenses. Subtracting this figure from your total income
will give you the amount you now have to devote to reducing your debt.
It's vital to cover the minimum repayments on as many debts as possible, as charges for
late payments or missed payments will only push you deeper into the red. If you find that
you don't have enough spare funds to make all your minimums, then contact your creditors
and politely explain that you're experiencing financial difficulties and need help. This
step can be daunting, but remember that the person you speak to will only be an employee of
a company and won't take the situation personally.
Most creditors will be happy to come to some arrangement with you to reduce your monthly
payments, either by restructuring your debt over a longer repayment term, or switching to
interest-only repayments for a while.
If after trying to renegotiate your debt you find you still can't make ends meet, it could
be time to reconsider a consolidation loan. Debt consolidation works by taking out a single
large loan to pay off all your smaller, more expensive debts such as credit cards and the
like. By getting a loan with a lower interest rate and spreading your repayments over a
longer term, you can reduce your monthly bills quite substantially.
Unfortunately there are drawbacks to consolidation loans too. You'll be going deeper into
debt with yet another loan, and will probably end up paying more in interest charges in the
long term. You might also find it difficult to get a consolidation loan unless you own your
own home or have other assets to secure the loan with, and homeowners will risk losing
their home in the future if they can't keep up the repayments. For these reasons it's best
to think carefully before choosing the consolidation option.
No matter whether you choose a consolidation loan or not, it's important to remember that
debt affects huge numbers of people and it's nothing to be ashamed of. The only way out of
your debt problems is to face up to them, and try to get back in control of your finances.
Nicholas Hunt is a contributor to 1Stop Personal Finance, where you can read more about debt problems and debt management.
http://www.1stop-finance.co.uk/
John Caldecott
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Viral Marketing – Why is it so Powerful?
Viral Marketing – Why is it so Powerful?
By John Caldecott.
Viral marketing is the new marketing and advertising trend right now, especially in the online scene. It takes advantage of the internet’s network effect to be able to reach a great number of people in such a short time.
Benefits of Viral Marketing
Viral marketing strategies offer several advantages to businesses.
- Easy to execute. There are several methods of sending viral contents or messages and all of them are easy to do. Among those methods are sending email, instant messaging, and using web sites. Sending viral messages through these media will not take much effort and time.
- Low-cost. As compared to sending direct mails, viral marketing proves to be cheaper and a more cost-effective method. With just a little investment on viral advertising, its power can reach even hundreds of thousands of people as compared to spending the same amount of money to traditional advertising methods. That is because the only money to spend is for sending the initial set of viral contents, then forwarding or replicating the message will not require additional costs anymore.
- Good targeting. With viral marketing, there is a huge probability that the message will reach people that are interested in it. Since the concept of viral marketing is essentially passing on a message from a user to another person, most likely, the user will pass it to a person whom he knows will be interested in it. Thus, the percentage of wasted advertising, which is sending the message to the wrong market, will be reduced.
- High and rapid response rate. Since viral marketing reaches a good number of the business’ target market, there is also a big possibility to have a high turnover ratio. Even if the responses will not immediately convert into profits, there will still be huge traffic that the business will receive which is what most web owners want.
These are indeed great benefits a business can get by adopting this marketing technique. But what really makes it more powerful than other marketing or advertising strategies?
Let us take the example of Hotmail, where this viral marketing term really started. Hotmail was able to spread over the internet at an amazing rate. It is like an epidemic that quickly spreads out to others once there is a single person infected by the virus. That is why this technique was named as such.
According to Hotmail’s statistics, its number of subscribers grew from zero to twelve million users in just 18 months. Imagine that! What’s more amazing is that the company spent just $50,000 on advertising to achieve that number of subscribers. Compare that to Juno which spent $20 million on traditional advertising during the same time period as Hotmail but got much less output.
With those facts about Hotmail, viral marketing’s main strength is indeed reaching a huge number of the target market at a considerably low cost. Hotmail did not even have marketing or advertising presence in most countries outside the United States but it got to be the major email service provider in these places like India and Sweden.
What adds more power to viral marketing is the fact that the viral message passed on is like an endorsement from a friend or somebody who can be trusted. People have this way of thinking that “if my friend uses this product and is happy about it, what stops me from using it as well?”
In Hotmail’s case, when those people who received an email from their friends, relatives, or colleagues using Hotmail learned that it works and their friend is a user, they quickly signed up and became members as well. These people wanted to belong in this group where their friends are also in. This technique is also a matter of association or affiliation.
Hotmail’s case is not an isolated one, though. During the same time that Hotmail is gaining its popularity, so does ICQ. ICQ is like a buddy list and instant messenger, much like MSN and Yahoo Messenger now. ICQ also used the same technique and marketing campaign and it gained almost the same number of subscribers as Hotmail within the same time frame.
Viral marketing is indeed one powerful tool to increase popularity of a product or service. However, just like any other things, proper use of the technique is necessary. A single mistake of misuse of it may mean permanent damage to the product or service being promoted.
Godbless, John Caldecott.
http://www.stormpay.com/?2060529
http://www.softwarenebooks.info
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What Is Viral Marketing?
What Is Viral Marketing?
By John Caldecott.
When you purchased an item or availed of a service of a certain establishment and are satisfied with what you got, don’t you recommend that to a friend? And when you give your recommendation, doesn’t your friend buy or avail of it as well?
More often than not, we express our satisfaction with some product or service by telling our friends and relatives about our experience. Some of them will actually try the same product or service that we recommended. Essentially, we have just successfully advertised the product through word-of-mouth without the establishment having to spend a penny on it.
That is the idea behind viral marketing. Viral marketing is an advertising strategy that entices people to pass on a marketing message to their relatives and friends. It is called as such because of its similarity to an epidemic that easily spreads out, with an exponential growth, once an individual gets “infected.”
How did this marketing phenomenon start?
The concept of viral marketing, which is passing along a message, has been around for a long time now, even for centuries. There was just no specific name for it until 1997 when Steve Jurvetson, a venture capitalist, came up with the term “viral marketing” to describe Hotmail’s marketing practice then.
Hotmail’s practice was to append an advertisement of itself on each message that is sent using their service. When a recipient gets interested and clicks on the ad, it will lead to Hotmail’s website for him to signup. This will go on and on, and the growth is similar to an exponential curve.
Types of Viral Marketing
There are different ways to apply viral marketing strategy.
- Pass-along. This is the most common type of viral marketing. Web sites that ask their users to tell-a-friend about their products and services is an example of pass-along messaging. However, there is a risk of the message being labeled as “spam” by email providers. Thus, it is important that the “from” and “subject” lines do not contain any word that may be tagged as spam.
- Incentivised viral. This is a marketing technique used by companies in which users are offered rewards when they refer somebody to the company. This becomes more effective when the referred person needs to take action for the reward to be given.
- Undercover. The most difficult viral to spot, undercover marketing sends a viral message that is disguised as just an unusual page or piece of news without obvious link citations.
- Edgy gossip or buzz marketing. This type is most common in the entertainment world. A good example is the spread of different controversies, like getting married or divorced, involving the stars of a movie that is yet to be released. This is like a word-of-mouth advertising for the movie.
Methods of Transmission
Spreading the viral message can be done in different ways.
- Email. This is the most common type, when people forwards messages such as inspirational messages, jokes, funny clips and pictures that advertises a certain product or service.
- Instant Messaging. People who receive links from friends through instant messaging servers, like Yahoo or MSN, are more likely to check it out because of the notion of urgency of the sender.
- Web sites. Most of the articles now published online have a link that says “Send to a friend.” This is one way to make the article reach a good number of people by just posting it in one site.
- Word of mouth. Of course, this is the traditional way of passing on a message to another person; and most of the time, the most reliable method too.
Though there are several ways on how to do this kind of advertising, there are also barriers to it. One was already mentioned, which is the risk of the message being labeled as “spam.” Since a lot of companies now are using this method and promoting their products through email, email providers proactively created some sort of filter in their system to separate potential spam emails from the more trusted ones.
Other barriers can be the size and format of the viral message. If the content is a video clip, its reach may be limited because of size limitations of most of the email providers. Media format is also one thing to consider because not all recipients of the message may have the right application to open the file.
But despite of these constraints, businesses are already getting into this style of marketing. Indeed, this technique helps in dramatically increasing revenues by reaching a huge number of the target market without having to spend a big chunk of money for advertisements. Viral marketing will definitely go a long way, especially in the World Wide Web.
Godbless, John Caldecott.
http://www.stormpay.com/?2060529
http://www.softwarenebooks.info
Light Humour
TerminatorA woman walked into the kitchen to find her husband stalking around
with a fly swatter.
"What are you doing?," she asked.
"Hunting Flies," he responded.
"Killing any?," she asked.
"Yep, 3 males, 2 females," he replied.
Intrigued, she asked. "How can you tell?"
"Three were on a beer can, two were on the phone."
<><><><><><><>0000000<><><><><><><>0000000<><><><><><><>
If this doesn't make you laugh out loud, nothing will...
Once there lived a woman who had a maddening passion for baked
beans.
She loved them but unfortunately, they had always had a veryembarrassing and somewhat lively reaction to her.
Then one day she met a man and fell in love.
When it became apparent that they would marry she thought to herself, "He is such a sweet and gentle man, he would never go for this carrying on."
She made the supreme sacrifice and gave up beans.
Some months later her car broke down on the wayhome from work.
Since she lived in the country she called her husband and told him that she would be late because she had to walk home.
On her way, she passed a small diner and the odour of the baked beans was more than she could stand.
Since she still had miles to walk, she figured that she would walk off any ill effects by the time she reached home.
So, she stopped at the diner and before she knew it, she had consumed three large orders of baked beans.
All the way home she putt-putted, and upon arriving home she felt reasonably sure she could control it.
Her husband seemed excited to see her and exclaimed delightedly, "Darling, I have a
surprise for dinner tonight."
He then blindfolded her and led her to her chair at the table.
She seated herself and just as he was about to remove the blindfold from his wife, the telephone rang.
He made her promise not to touch the blindfold until he returned.
He then went to answer the telephone.
The baked beans she had consumed were still affecting her and the pressure was becoming almost unbearable, so while her husband was out of the room she seized the opportunity, shifted her weight to one leg and let it
go.
It was not only loud, but it smelled like a fertilizer truck running
over a skunk in front of pulpwood mill.
She took her napkin and fanned the air around her vigorously. Then,
she shifted to the other cheek and ripped three more, which reminded
her of cooked cabbage.
Keeping her ears tuned to the conversation in the other room, she
went on like this for another ten minutes.
When the telephone farewells signaled the end of her freedom, she fanned the air a few more times with her napkin, placed it on her lap and folded her
hands upon it, smiling contentedly to herself.
She was the picture of innocence when her husband returned,
apologizing for taking so long, he asked her if she peeked,and she
assured him that she had not.
At this point, he removed the blindfold, and she was surprised!!
There were twelve dinner guests seated around the table to wish her
a "Happy Birthday"!
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A woman comes home and tells her husband, "Remember those headaches I've been having all these years? Well,they're gone.""No more headaches?" the husband asks,"What happened?"
His wife replies, "Margie referred me to a hypnotist. He told me to stand in front of a mirror, stare at myself and repeat,'I do not have a headache, I do not have a headache, I do not have a headache.' It worked! The headaches are all gone.
"The husband replies,
"Well, that's wonderful."
His wife then says, "You know, you haven't exactly been a ball of fire in the bedroom these last few years. Why don't you go see the hypnotist and see if he can do anything for that?"
The husband agrees to try it.
Following his appointment,the husband comes home, rips off his clothes, picks up hiswife, and carries her into the bedroom.
He puts her on the bed and says, "Don't move, I'll be right back."
He goes into the bathroom and comes back a few minutes later, jumps into bed, and makes passionate love to his wife like never before.
His wife says, "Wow! That was wonderful!"
The husband says, "Don't move! I'll be right back."
He returns to the bathroom and then goes back to thebedroom, and round two is even better than the first time.
The wife sits up and her head is spinning.Her husband again says, "Don't move, I'll be right back." With that, he goes back into the bathroom.
This time, his wife quietly follows him and there, in the bathroom, she sees him standing in front of the mirror, saying,"She's not my wife. She's not my wife. She's not my wife."
His funeral services will be held on Monday.
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TAZFM
Hello and Welcome!
I was going to call this: The Affiliate
Zone for Members, instead of
Zine. I suppose I can use both names, or can I? Help me out here. What do
You - The Members - say?? Zone or Zine ? let me know- Please. John.
Fancy a Flutter?
Read the amazing true story of how a university student completing his statistics assignment accidentally discovers how to safely turn $15 into $157.28 in one afternoon by betting on the horses!
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• Safely turn $15 into $157.28 or $40 into $419.41• Double your betting bank 12-14 times a year • Collect a dividend from 96.35% of all your bets.
http://ujohn391.moeali.hop.clickbank.net<><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><><>
I will be posting a great deal of Affiliate and MoneyMaking Information here soon- so Please bookmark my Blogg and come back often for Free and Low Cost - Software -E-books - Utilities
and other Information that will help You Succeed in Your Online Business!
Free Software and E-books:All the following Software and E-books are Free! All you need do is - become a Member of the Sites - just sign up to receive the Newsletters (giving You more Information - Free Gifts Bonuses etc) and you will receive literally -Thousands of Dollars worth of Free Products - Most come with Resell Rights Too - So You can Make Money for Nothing! - Simply by just Reselling them Yourself!You should actually USE them too - that's what they are really for - to help You become more successful in Your Business Endeaveur!Here are just some of the Free Download Sites:http://www.freemonthlywebsites.com/?go=2230http://www.webbusinesswizard.com/app/?af=398619http://www.intensivegiveaway.com/thank-you.php?id=4433http://www.nhk-jv.com/go/128/http://www.undergroundgiveaway.com/?thankyou-page=7151http://www.nhkdiscounts.co.uk/venture/go/126/http://Prelaunchsecrets.com/thankyou-page/3965You're Welcome, John.
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