There is no substitute for good credit, nothing can replace it. Of course cash is King but in our present economy you have to protect the queen and that’s your credit. To some this may sound awkward but good credit actually not that hard of a task. Let’s get straight to it.

The key to getting, having and keeping good credit is behavior. That’s it. Money is only a factor in the after effects. That is in paying back what credit you have obligated yourself for and what you report to the bureaus in providing your personal information.

There are a couple of key things to keep in mind; a) The credit reporting agencies are private companies; b) they know what they are told & instructed to do; c) they are governed by federal acts.  The credit reporting agencies don’t control you, in truth, you control them.

If your “credit health” is a major factor in your life then it is up to you to maintain it. To ensure that you have decent credit here are a few things that are really important:

1)Monitor your credit file. Don’t ignore it and act like it dosen’t exist. You need to be alert and pay attention to what is in your credit file. Everything matters from the spelling of your name and all of your previous addresses down to duplicate inquiries from your present creditors to old stale information;

2) Pay your bills on time, that’s where the behavior kicks in. Find out what works for you and do it. If you keep forgetting or losing your bills, sign up for automatic bill pay or put reminders in your phone or your email calendar;

3) Make sure that your personal information is current, consistent and up to date;

4) Its better to dispute in a letter from you, than it is to do it online. What you say and how you say it means everything, the online form gives you very few options. Sometimes it’s the difference between getting your update/deletion and getting a letter saying that they already investigated this matter and there is nothing more that they can do;

5) Do your best to maintain balanced credit. Balanced credit is revolving & installment. Like a credit card and a car loan or a mortgage.

6) Apply for credit sparingly. If you don’t need it, don’t apply for it. 80% of inquiries affect your credit, so be cautious and mindful when you are credit shopping.

Its your credit, so its important for you to use it wisely to shape your financial future. Stay tuned fro more credit repair info.

Life Beyond Google

In the wake of the google slap and the google slam The reports are flooding in and the discussion
boards are in a frenzy!

Here’s why…

Over the past several weeks, Google has closed hundreds of thousands of AdWords accounts for what
they(Google) are calling a “violation” of their terms.

Truth be told, in some cases many of these the account holders were engaged in some form of fraudulent (or unauthorized) advertising practices, using fake-blogs, phony news sites, and crazy earnings claims.

Some account holders even used the Google Trademark in their ads, which is a huge NO NO!!! SO, in many cases Google had no choice.

However, a huge number of businesses that caught up in this unfortunate dragnet weren’t doing anything
wrong at all,

So they contacted Google for the story only to hear…
“We will not tell you what you did wrong.”

“Your account has been disabled”

…and the REAL big shocker…

“You are hereby banned for LIFE!”

If you (or someone that you knew) relied mostly on AdWords and organic traffic to make money, imagine for a minute what that would do to your business? CATASTROPHIC!!!!!

Most folks would be devastated! But smart marketers know there’s more to online marketing than a single
search engine!

I watched Frank Kerns “State of the Internet” address (check it out here http://masscontrolsite.com/blog/?p=65) it further validated the theory that you shouldn’t put all of your eggs in one basket!!

So for the sake of relieving you and your business the stress and worry of waking up lost, hungry, stressed and worried

I want this to be informative and priceless. I’m not getting paid for any of this so here we go:

Bing/MSN http://advertising.microsoft.com/home

Yahoo http://publisher.yahoo.com/index.php

Ask.com http://sponsoredlistings.ask.com/

Set up a Squidoo lens http://www.squidoo.com

Article Marketing

Video Marketing

Forums

Press Releases

Social Bookmarking

Blog Entries

In lieu of those that are so mad that they don’t even want to go over to Google today, I will put up some lists soon so you will have a good catch on where the traffics at. IF you don’t have any time to wait. Google it and go for what you know. There is plenty of traffic out there.

In conclusion, Google only accounts for 30% of web traffic, so in simple terms, you’ve got some work to do, bye.