New Info Blog

This article wasn’t written to tell you how to write or compile your ebook. Shoot, there are more ebook cover & compiler programs out there than you can shake a stick at on the net. What I’m hoping to do here is get you on the right road to letting folks know you have an ebook.

Here’s the deal. There are some of the so called guru’s out there telling you that you really must start with a publisher. Well, I don’t disagree except that reviews take a long time to complete and you probably aren’t getting any younger. You’re most likely wanting to get your information out there and start earning a dollar or two in the process.

So here’s what I suggest:

Get yourself some web space. If you haven’t got two pennies to rub together, start with a free web hosting service like Freeservers.com or Freewebs.com. If banner advertising bugs you and you have a couple of bucks to pay every month, they’ll remove the banners so you don’t have to look at them.

Most all of these types of services have a member control panel that you can edit your site with if you haven’t a clue how to do it yourself. Build a one page website. If you don’t know how to build one yourself, there are plenty of hosting companies that offer a website builder with their package. Also, if you have a program like Microsoft FrontPage or know how to use a word processor, you’re a step ahead.

Make sure you have a gif or jpg book cover on the page. It’ll give the potential customer a feeling of substance. Get one of those ebook cover makers I mentioned earlier and build one. Or if you are good using a paint program, go for it. This is important.

Along with the image, place your ebook title right next to the book image. Make the title at least double the size or make it bolder than the rest of the text on the page. Then a brief description of your ebook. Maybe even a sample chapter to give them an idea of what they’re getting with the entire ebook.

If it’s a free ebook, emphasis should be placed on the word Free. Just don’t make it too bold. If the book has a price, place it plainly on the page along with a method of payment like a PayPal button. PayPal and services like them are as handy as a hay rake in a freshly cut field. They offer an instant payment option that makes life simple.

On your page, make sure there is an email link so folks can ask questions. Not doing this makes customers uneasy. Would you want to buy something from someone who didn’t want you to even know how to email them? No, you want your customers to trust you and see you’re willing to communicate with them. I often times even put a postal address on the page along with a phone number.

Meta Tags are another important feature of your page. Do a search for META TAG builders on your friendly neighborhood search engine. Along with tools to build these very important tags, you’ll probably find helpful hints on how to add them to the code of your page. Just to be sure, look up a free website optimizer on the web to see if they have any suggestions that would improve your pages appeal to the search engines and directories.

So once your site is up, you’ll want to start advertising. First place to go is to the free search engine submission sites like submitexpress.com or freewebsubmission.com. Also manually submit your site to ebook directories like OnlineEbookDirectory.com or ReceivedText.org who will link directly to your ebooks website.

Once this is done, then you can start the task of submitting your ebook to all the other ebook sites. Try submitting your ebook to software sites if your book is an executable file. Make sure you also get a Google Blog and post some short articles pertaining to your ebook. That’ll really get you some exposure.

Tim Davis is a trained architectural designer and web builder/programmer who has been building Architectural and Christian websites since 1995. He also has several ebooks published, including architectural drafting courses called “House Plan Drafting 101, Learning to Draw House Plans in a No Nonsense Way” that you can find at http://homedesign.8m.com/101ebook/

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One of the most prominent changes with every lender in today’s market are the stricter underwriting guidelines they are imposing on all their borrowers. Because of their previous lackadaisical approach, many lenders have found themselves in great trouble with many closing their doors and claiming bankruptcy. The lenders who are still in business now realize the importance of sound underwriting on all of the loans that come across their desk.

When a loan request is submitted to a lender, a loan processor is typically assigned to the loan to gather all of the necessary documents that the underwriter will need to evaluate the loan and to make sure the borrower will be able to make their payments and still have a reserve for emergencies. The documentation they will require is also required by the regulators that the banks have to answer to. Because of the mortgage crisis, regulators are running around as fast as they can and are extremely picky with what they need as documentation.

While this should have been happening over the past years, it has caused banks to reorganize their underwriting departments and request for more information than they need to ensure they will meet the regulators stringent requirements so they can keep lending. Many of these changes have increased the underwriting process and the amount of paperwork the borrowers need to collect.

If borrowers, sellers and brokers do not understand this, they might not give the borrower enough time in escrow on a purchase and will have to deal with their money going hard sooner than they would like. Borrowers requesting a refinance may also find delays if they do not have the proper paperwork up to date, especially if they are holding title in a trust or limited liability company.

Some of the other underwriting changes to look out for include:

1. Increased Debt Coverage Ratios (DCR)

2. Changes in term, rate, fees to accommodate perceived added risk

3. Additional bank statements for ALL liquid or semi-liquid assets listed on the personal financial statement

4. The minimum credit scores for approval have been raised

Posted by Chad Pitt, Sr. VP of Commercial Alternative

(714) 594-3426

cpitt@commalt.com

http://www.commalt.com

Tags: aim, Ally, assets, Ast, bank, bank statements, Bankruptcy, banks, borrowers, broker, business, cia, commercial, commercial alternative, credit, credit score, credit scores, dea, debt, Doors, ears, emergencies, Escrow, finance, financial, heir, inc, informat, lenders, lending, loan, loans, Mai, mail, market, money, mortgage, paperwork, Personal, Prope, Rate, refinance, risk, running, s market, Seller, Target, Valu, vp, work, writ, Yea

On my recent trip to Canada I came across a newspaper article that I thought was very significant. In brief, the article stated that “more than half of workers — 55 percent — say they always or usually live paycheck to paycheck just to make ends meet.”

Now, if the numbers are that bad in Canada, I’m certain they’re worse here in the US.

We have the answer to this recession but too quickly do people dismiss it as “one of those things” — an endeavor not worthy of consideration. Meanwhile, those very same people are having to work more hours — some even taking on a second or third job — just to make ends meet.

If you don’t want to be one of these people, here’s my suggestion: Do your research on Network Marketing. Learn what thousands of people are already doing to recession proof their finances. Discover for yourself what truly is the best and simplest way to ensure a secure financial future for yourself and your loved ones.

With banks failing every day, the stock market plummeting, gas prices soaring, you can’t afford not to. Your job won’t take care of you — they’re busy worrying about the bottom line. The government isn’t helping matters — in fact, sometimes I feel like they’re doing everything in their power to make things worse. So it’s up to you.

Take matters into your own hands. Your family’s financial security is too important to gamble on a company that might lay you off in 6 months or in a government that’s using your money to bail out the people responsible for this crisis in the first place.

Ronnie Cruz is a full time Network Marketer and has helped thousands move forward on the path to financial freedom. For more information contact him at ceo@ronniecruz.com or visit http://www.RonnieCruz.com to subscribe to his FREE weekly video newsletter.

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The latest financial news has everyone preoccupied with the negatives of the declining financial market. I was reading an article in the Baltimore Sun newspaper the other day about how the news of financial woes has impacted individual consumer confidence and the result is people are so worried that they are doing nothing with their goals, dreams or plans for the future. They are putting them on hold until there is a clear picture of things getting better. Is this you?

I thought that this was important to discuss this week because in every adversity is an opportunity of equal or greater value. You see, even in declining markets, wealth is created and opportunities exist. Think about:

the investors who are now able to acquire more stock affordably and hold it until the value restores the family that decides to purchase their dream home now and get all the options and closing costs included the mother who finally decides to start her own business because her family needs extra income. Remember that we create our own realities.

What I have done in this financial market is invest more in myself by reading more, learning from the coaches in my life, and taking steps to ensure that I learn ways to grow my business during these difficult economic times. People ask me all the time how is the coaching business? I have learned that people want coaching even more now then ever to create new personal options. What if instead I sang the song that because of the economy no one can afford coaching. The truth is you can’t afford not to have a coach help you create the life that you want.

My challenge to you this week is to to look at your life and write down how this temporary financial downshift can create opportunity for you in your life, with your family, work or business. You might answer the following ways:

This has taught my family the benefit of simplicity and how abundant we really are. You decided you don’t want to work for someone else. The uncertainty of working for others was confirmed during this market shift and as a result you will explore entrepreneurship. You may have learned that you are a much better budgeter than you originally thought. You may have learned that you have been living above your financial means. Whatever your lesson(s), I encourage you to breathe it in. Learn from your life.

This week only, I am offering one free hour of coaching for the first ten individuals to contact me at mia_redrick@findingdefinitions.com In the subject line please type Free Coaching Session.

Live fully,

Mia

Challenge! – Take small steps toward your goals. To get you started creating your own new work/life plan , call me at 1-866-226-2607(toll-free) to claim your free access to my E-book “The Moms Handbook: A guide to giving your life a complete makeover” with self-assessment ($25.00 value).

From Mia Redrick- Author, Time for mom-Me:5 Essential Strategies for A Mother’s Self-Care and Finding Definitions, the premier self-care community for mothers http://www.findingdefinitions.com

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I began my first forex trade three years ago, at this time, information sources of trading available were very limited, I could not get the the suitable information on online forex course for free trading to allow me to begin a live forex trading successfully, all my sources of information and trading strategies were obtained from forex forums posts and the trial and errors of former forex traders and their trading strategies, which were evolved to suit their needs and their potential financial capabilities.

I had a long time with a forex demo account for several months, I did not dare to enter into a real live forex trading, because my capital was very limited, and there were no free online forex courses which I can get to help me in my trading. But one day I landed on a website which sell a forex training course package, this website claimed that the its strategy results in a profit rate around 80% in all cases, I read more on this course enough to to be motivated to buy it, especially its price was very suitable to me ($99 total for the 5 ebooks). Once I got the ebooks, I began reading every single word in them with voracity, and – for honesty – it was the first time for me to read in details about forex money management and risk management and their vital rule in forex trading, but this was all I had gotten from this course, nothing otherwise.

I tried to contact the author of the forex course to query him about several points regarding his training program, and guess what? I did not get any response from him, I contacted him up to 10 times, however I did not hear one word.

This was the lesson #1 I learned: It is not about the training program, it’s about the AUTHOR of this program, is he alive man? is he a real forex trader OR: he’s just a teacher of theoretical lectures in forex trading!

The lesson #2 I learnt was: What is degree of the technical support provided after purchasing his forex training program? shall I find him when I need him?

After a whole year, I would have left almost forex trading and preoccupied by other businesses, but one day while surfing on the internet, I found by accident the Forex Mentor website, and once landed on the main page, at the first sight I cynically laughed and said to myself: “Another Scam!!”

However, I started reading all the information on his training program and the main idea behind it: Pivot Points. I began once again thinking seriously to return to forex trading, and decided to purchase this program of Peter Bain, but for the first glance, I was disappointed for its high price ($495 for a hard copy on CDs, or $349 of the digital copy). After a short time of deep thinking and trying to decide whether I’ll buy or not, I said to myself, I lost in the forex trading in the past several thousand of dollars, let them be several thousand PLUS $495!!

I read every word on the Forex Mentor Website, I collected every information available about the Author (Peter Bain) and his history in the forex and stocks market, I read many indpendent reviews about this course. Despite of that, The most important factores encouraged me to buy forex mentor course were as the follows:

The Concept of Forex Mentor Trading System

1- The Program Author: Peter Bain, I read a lot more about him on the internet and on his long experience in the area of trading in stocks, currencies, and the large number of successful traders who trained by him who achieved good trading results with the favor of his forex trading advises.

Peater Bain has developed a very successful trading strategy based on Pivot Points, which depends primarily on the concept of support and resistance: When you see price violate a pivot point convincingly, there are automated trading systems out there that automatically kick in and buy or sell, depending upon where price is going. So, in essence, these two factors alone account for why other indicators are left breathing dust. Bar patterns, MACD divergence, different time frame readings, and trendlines are definite precursors to price changing direction but, in the final analysis, where price is in relation to its nearest pivot point, is the big clue. Tie all these indications together, and you are sure to out-fox price’s next move.

2- This coach always exists whenever you need him, he provides One-on-one feedback, he believes that every forex trader trainee has different needs and requires special attention, this feature adds high value to his forex training program.

3- Members only forum, where members can talk just about everything related to the Forex market and the Forex training program. This is the most important characteristic of this program, getting in touch with other forex traders add to your learning experiences.

4- Free membership for 6 months ($ 199 value) membership alone equal times the value of this course, after the period of six months, you will be deducting $100 for renewal, through this membership you will receive on a daily basis the following material:

• Daily Video Questions and Answers – That’s right! I will personally answer your email trading questions via live streaming video. You probably think we’ve gone off the deep end! But again, we are fully committed to your success!

• Daily Trading Examples and Reviews – Success by repetition! Everyday, I will illustrate successful forex trading techniques using the most recent trading markets. These videos streamed to your PC put you right in front of the action! No more reading static charts and text. You can watch these videos any time for as many times as you like.

• Daily Pivot Data for the 6 Major Pairs – We calculate the daily pivots for all the major currency pairs & make them available to you. So you don’t have to do the work!

• Forex Online Pivot Calculator – Fine-tune your forex trading by calculating your own pivot points. Trade other markets using these same pivot point principles.

• Meet Local forex traders in your area through one of our dozens of local user groups all over the world.

• Member Discussion Forum – Discuss forex trading strategies and tips with thousands of other like-minded traders from around the world in our member discussion forex forum.

Fore more Details on the Forex Mentor Course Components: http://www.4x-course.com

Author: Hatem Serag – For more Tips and Ideas about the Best methods to start trading Forex Successfully please visit my websites: http://www.eforexcourse.com – for more details on the top rated forex training courses please visit: http://www.eforexcourse.com/forexmentorcourse.php

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For a Forex software review to provide valuable, comprehensive and cost effective information to the end user the most critical factor is the neutrality of the evaluator. In other words, if a site offers only one or two reviews of Forex software you have to wonder if they are really offering an unbiased review or attempting to sell a product. Next, the person or team actually testing the product really needs to be professional Forex traders. And finally, you need to determine if they really tested the product for an extended period or just briefly looked to the item.

Below are a few short but valuable tips to consider when attempting purchasing Forex software. I have so many people emailing me and asking the same question that I decide to write an article about it. The questions is the following, “which is the best automated robot Forex software system that you can just turned on and walk away from and it is going to make me rich?” For that reason and that reason alone I went out and bought a very large heavy frying pan and I am now researching how to send it back to them through email and make sure it hits them on the head. If I have said this one time, I have said it a thousand times, none of those systems WORK! I will say it a different way, you will LOSE your money if you attempt to use one. Let’s try to say the same in differently fashion just to make sure I get the point across, they STINK, they are BAD, they are SCAMS, and finally they just are AWFUL! Do you get the point now? Is there anything else that I really need to add?

Hopefully that is well understood now, but of course not, tomorrow I will have at least twenty emails asking the same question and I am going to just send out this article, along with the frying pan. The principle reason for purchasing a Forex software package is to utilize it as a TOOL to help you trade and NOT a decision maker. The FX software packages for the most part do a good job of gathering information and interpreting it to the point it is useful to the user as a helpful tool to facilitate the decision making process. That is essentially what they do, and to be frank with you, that is all they do good. They really can’t do anything else. Understand now, I hope so!

I am sure your saying to yourself, if that is all they do are they worth the money? Have you lost your mind for even asking that question, they are worth ten, twenty times what they actually cost, if not way more. These systems are able to quickly and effectively capture data and evaluate in a fashion no human could ever do. Most professional private traders employ at least two packages simultaneously. The big time traders all have some kind of trend system as well as a software package that sends them signals. The pros them might add some kind of specific formula based system they have found useful in identifying profitable trades. For that matter, they might much more than one formula based system working with there main trend and signals systems

A good Forex software review can certainly help you with the buying process. A few points to remember are, first there is NOT an automated robot that works. Second, you pretty much are a fool if you are attempting to trade the Forex markets without a high quality trend and signals based Forex software systems. And finally if you purchase a top tier rated product you can be pretty sure you’re getting something that is going to beneficial and make you money.

We have researched, tested & reviewed 100s of Forex Courses, Software Systems and Brokerage Firms which we only list our TOP 10 to help you LEARN FOREX TRADING. For 100s of FREE FOREX TUTORIALS please visit LEARN CURRENCY TRADING. Good Luck! I look forward to seeing you on the trading floor making money! William R. Alheim, Jr., CPA, MA

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In my opinion, the second biggest challenge that you face in your online forex, stock commodity or futures trading is distraction.

Now, I say the second biggest challenge, because the first challenge is to know what the heck you are doing in the first place! Frankly, if you don’t know that- and most beginner and many intermediate level traders really don’t- then you’re going to need all the distractions you can get to keep you away from the markets so that you don’t keep losing your money!

However, assuming that you do know what you are doing in the markets and have a sound plan, then the next major challenge that you face is distraction. It goes back to what we have discussed about the need for mental focus. However, the issue of distraction is wider ranging. When we spoke about focus, we were talking about the need to focus within all the vast variety of choices available to you in the trading world.

With distractions, the issue is much wider and potentially worse still. Here, we are talking about literally everything that can distract you from your online trading. If you are a private trader working from your home, this can be an endless list; the postman, your cat, the need to get some bills paid,the shopping,the fact that it’s a sunny day and you’d rather be outside,surfing the internet, checking your email, the telephone, odd jobs around the house, and so on. If you are in this position, I am sure you can add to the list.

Even if you are an investment bank trader, there are still plenty of distractions. Some of the above- email and the internet for example still apply- and there are others. Chatter from your colleagues, meaningless bullshit meetings that you must attend and are not allowed to get out of, the endless stream of media “information” and more.

At least for the institutional trader, it is understood that trading is a business. It is literally his/her job. There is daily accountability involved and it cannot therefore be mistaken for a hobby and treated as one. However, for the person working at home, this is a much easier mistake to fall into, especially at the very start, when you may not have decided upon your trading routine.

Speaking personally, I have to say that distraction is something that I have a big problem battling against, since I do operate from home. The problem is that if your mind is not totally focused upon what you are doing in the financial markets, and getting the process right, the margin for error quietly widens and things can start to go wrong.

The key point to come back to is that trading has to be a business, if it is intended to be your primary source of income for yourself and your family. If that is the case, then it is imperative that you treat it with the seriousness that it deserves. That means that even though you may be working for yourself at home, you need to impose some business disciplines that you would find in a standard office environment.

If at all possible, you should establish for yourself a separate room for your online trading. Wherever possible, you need to give very serious thought to closing the door to family and pets in order to concentrate on what you are doing. (Now, I know that this is hard because my two cats basically have total access to me, and I can’t see that changing. But as the saying goes: do what I say, not what I do!)

Let’s not forget that neither your friends, your pets, nor your family would have access to you if you were working at an office job somewhere, would they? Hence, closing the door closes out an enormous source of distraction.

Use effective time management principles to deal with other distractions. In other words, schedule other things that need to be done appropriately so that they do not interfere with your trading. Maybe you need to fix upon a time when you check and deal with your email once in the day, or at most twice, but you certainly do not keep looking at it every five minutes or so.

Do you know what constantly checking your email all the time is like?

It’s like going to your front door every few minutes to see if there is anyone there! Did you ever think of it like that? Well, if you would never do that, why check your email every 5 minutes?!

What’s the big deal? Well, it takes time away from you focusing upon your business, which is trading, not email checking or chatting idly. When you break your focus, then it takes a certain period of time to restore it. If this keeps happening the whole time, your mind is working hard just to stand still, i.e. to keep getting back to where it left off last time.

That is why it is so vital to get this under control. If not, it is not the trading that is exhausting you, so much as the sheer amount of clutter that you have allowed to invade your own brain. They say that failing to plan is planning to fail. Hence, starting today, sit down and plan out what you can do to minimize the distractions during your trading day. Consider the email challenge. Consider too scheduling certain activities together, e.g. make all of your outgoing calls at the same time, when you go out to the shops, make sure that you get that post office visit done too. Try to handle pieces of paper that come onto your desk once, and don’t keep coming back to them over and over again.

This is all about organizing you, and you are unique. Hence, it is impossible for me or anyone else to give you a list. You have to come up with it yourself, and then go to work to reduce the distraction to your trading. I’ve given you a broad hint in what we have been discussing, but it is ultimately down to you.

Remember, your online trading is a business, not a hobby. It will ultimately, if it is not already, be your primary source of income and that upon which your family depends. Hence, you owe it both to yourself and to them to get serious and to get professional, no matter whether you trade from home or on the proprietary trading desk of the biggest firm on Wall Street.

Discover FREE expert Trading videos, podcasts and articles packed with secret strategies to super-charge your Trading and rocket your profits. Dr. Asoka Selvarajah also offers you his critical FREE report, “The 7 Deadly Mistakes Of Online Trading”. Visit http://www.OnlineTradingRebel.Com right now!

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This is tip #8 of at least 10 in the series. I will try to publish most of them as e-zine articles, but if any are missing, they will all be available on my blog…

In the first seven tips, we focused largely on things applicable to success in general; now let’s take the next two or three tips to get specific and focus in on the other part of our series title – wealth!

Tip #8 – Follow my three rules for creating wealth in your life.
Rule #1 – Live below your means.
Rule #2 – Save and invest the difference.
Rule #3 – Continuously improve on rules #1 and #2.

Again I will return to the slogan, it is simple, but it isn’t easy. Common sense dictates that if you follow these rules, eventually, at some point in the future, you will become wealthy. However, the killer is in the doing.

Wealth building is not rocket science. Contrary to what many want to believe, it is actually very basic, simple math. Make ten dollars. Subtract nine dollars to live on. Save and invest the one dollar difference. Repeat over and over again. Then, as the one dollar differences add up over time, learn to invest them better and better. Eventually they become a massive pile of money that begins growing itself quickly and easily, and instead of you working for your money, your money works for you. The formula for wealth is so simple, it is actually boring.

Where does everyone go wrong? If I shared the long version – well, that would be a book in itself. So, the short version… We live in a consumer society. We are bombarded by hundreds or even thousands of messages a day saying spend, spend, spend. Don’t think so – when you wake up in the morning, start counting the television and radio commercials, billboards you drive past, banners in store windows, ads in magazines, phone calls from telemarketers, flyers in the mailbox, e-mails pitching you everything under the sun, etc. I would be surprised if you didn’t give up counting before lunch time! If you buy this product you will be beautiful. If you buy this product you will have a beautiful spouse. If you buy this product you will feel great. If you buy this product you will… blah, blah, blah, blah.

From children to adulthood, through home and school, we are taught how to be responsible, conform to society’s rules, get a good job, buy nice things that are beyond our means, etc. However, very few of us are taught how to manage our money (aka follow my three rules)!

Instead of having a solid, long term plan, we chase instant gratification, which, to use Robert Kiyosaki’s terminology, keeps us stuck in the rat race. We work to make money, which we spend to make ourselves feel good, then the money runs out, and we feel lousy. So we work harder and longer to make more money, which only allows us to spend more money, which predictably runs out again, so we feel even lousier. Then the trap starts all over again.

Brian Tracy says this is Parkinson’s Law – that expenses rise to meet income. Make a little more money – spend a little more money. Get a raise – and we immediately go out and upgrade our car, or our cable television, or our health club membership, or our home, etc.

The first step to living by my three rules – recognize the pattern you are currently in, and, assuming it is the pattern of the average American (Parkinson’s Law), make a decision to change it. More on how to do that coming soon in tip #9.

There are a lot of things you can do to improve your situation once you have made a decision to do so; there is very little you can do to improve if you haven’t yet decided to!

If you enjoy my tips, please pass this on to anyone you know who may benefit from it… Together, let’s get inspired, let’s get motivated, let’s create some buzzzz, and let’s help some people (family, friends, and ourselves) create all of the wealth and success they want in life!!!

Chris Lund is a loving husband and father of two amazing boys. He is a lifetime learner, and an avid real estate investor since 1998. In December 2008, he achieved financial freedom, and quit working at a JOB. He writes “The Lund Letters”, a blog found at http://thelundletters.blogspot.com/ where he shares many of his successes as well as lessons learned. Chris firmly believes that you can have your excuses, or you can have your dreams, but you can’t have both. He can be reached via e-mail at reinvestorsfl@aol.com

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It goes without saying that your first and best defense against paying fraudulent or unfair charges on your credit card is knowing what your bill says! When you receive your credit card statement each month, sit down with it and check each item to make sure that you actually DID purchase it. If you do run into inaccuracies or problems, there are procedures to follow to report and deal with the charges. If you don’t follow the procedure and the card company decides to notify a credit reporting agency, it could affect far more than just your balance on that one credit card.

What are the most common billing problems and how should you deal with them?

1. Hey, I didn’t buy that!

If you notice a charge on your credit card statement that you didn’t make, take steps to deal with it IMMEDIATELY. It could be a store error – but it could be the first sign that someone else is using your identity. Heading off problems before they start is vital. Call your credit card company and report the charge that’s in error – but don’t leave it at that. Follow up with a written letter stating that you dispute the charge, and requesting that they investigate the situation. The credit card company has 45-60 days to complete their investigation and notify you of the result. During that time, they can not make any attempts to collect that amount from you, nor report you to a credit reporting agency because of it.

2. Wait – I canceled that subscription!

If you cancel a subscription for which you pay via credit card – to a magazine, a club or internet service provider for instance – it may take a month or two for the cancellation and ‘chargeback’ to show up on your credit card statement. Again, notify the credit card company that that account has been canceled and request that the charge be removed from the bill.

3. My bill just doesn’t add up right!

They’re rare, but mathematical and reporting mistakes do happen. If you notice a discrepancy on your bill between their reports and your receipts, write a letter to the credit card company – being sure to use the address for reporting credit card disputes. Include copies of both the bill and your receipts for the disputed charges.

4. I returned that dress!

Like a canceled subscription, it sometimes takes a billing cycle or two for charge-backs on returned items to appear on your credit card bill. Write to the credit card company and enclose copies of your return receipt, asking that the charge be removed from your bill.

5. What do you mean, there’s a late fee?

Your best defense against late fees is to make sure you send your payment in plenty of time to reach the credit card company by posting date. Keep in mind that credit card companies date payments by date received and/or posted, not by date mailed. Because of the effect a late payment can have on your credit card billing and your credit history, though, it’s sometimes worth a try to get them to ‘take it back’. If you have evidence along the lines of a check cleared to your bank account before the payment was posted to your account – and it’s before the late payment date, you can write to the credit card company and ask for a review of the charges.

Joseph Kenny is the webmaster of the credit card comparison sites http://www.credit-cards-info.com/ and also http://www.creditcards121.com/

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Commercial Mortgages are also used to buy existing businesses consisting of property or land for development. Commercial Mortgages can used for the following: Farms Pubs, restaurants, night clubs, take-away units Shops, shops with living accommodation Hotels, guest houses, B&B’s, holiday lets Industrial units, factories, offices, warehouses. Taking out a Commercial Mortgage on a property might be the best way for you to get your hands on your next business venture. The project could be purchasing a brand new building or buying land. It’s fairly complex entering the world of the business finance but with a broker working on your behalf the entire process is sure to be easier. Problems like no proof of income, county court judgments or a poor credit history will become problems of the past because there are Self Cert Commercial Mortgage packages covering up to 85% of the property’s value.

It can be very difficult to obtain the most suitable mortgage for your business circumstances without an excellent knowledge of the market and good relationships with the lenders. A mortgage can be taken out to help businesses to expand, grow and improve as well as to buy new premises, buy to let or even a Re-Mortgage to raise investment capital.

The world of commercial mortgages may be appear quite daunting to the uninitiated or for those with no experience but help is at hand, the net contains a wealth of information which should go some way in alleviating any concerns you may have. The commercial mortgage marketplace has undergone a transformation over the last few years and there is now a vast range of commercial mortgage brokers and lenders to choose from.

Traditionally, most businesses approach their bank for commercial mortgages and loans but rarely do they receive service that meets all three of these needs. Just as with a residential mortgage an adverse commercial mortgage is designed for people who have had credit problems but who want to borrow money to expand their businesses. Some commercial mortgages are non recourse, that is, that in the event of default in repayment, the creditor can only seize the collateral, but has no further claim against the borrower for any remaining deficiency. Interest rates for commercial mortgages are usually higher than those for residential mortgages.

http://www.mortgagebestrate.co.uk/business_property_finance.htm

02380 781222
patrick@mortgagehome.co.uk

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