Free Tips On Getting Top Ranking On Google

I’m not going to paint any pretty pictures for you or beat around the bush. I’ll get right down to what you need to know.

If you want your website or blog to succeed, you must use search engine optimization. Top ranking in a search engine is the key to your blogs prosperity. You have seen this advertised all over the Internet. Usually known as SEO. SEO stands for search engine optimization.

When some one does a search for a product, they type in key words relating to that product and the websites or blogs that pop up first are the ones that have TOP RANKING on the SEARCH ENGINES. To get top ranking or best listing on the search engines you must use search optimization. But don’t despair. There are many free ways you can accomplish this.

Google will actually give you free tools to use that will help you get top ranking on their search engine. If you sign up with Google for their Adwords account, you will have access to many great and free tools such as popular keyword search and a list of most searched keywords for what ever product you are selling. They also have many great tools that will help you with your search engine optimization.

Don’t fool your self. Without top ranking you will not make sales. No one looks past the first page of any search results on any search engine. Top ranking should be your first priority. Do a search on Google, Yahoo or MSN for search engine optimization tools or soft ware, but first before you spend hundreds of dollars on e-books and software, remember you can get some great tools for free. Go to www.GoogleTopListing.com you will get a bunch of URL submitting companies that offer a free service to list your website or blog on all the major search engines. Try the free ones first. You have nothing to lose. If it doesn’t do the job you can then try the paid services. Then use the free tools you get from Google to find the best and the most searched key words and write a good article using those most searched keywords. Write a new article every day and use the same key words. This will make your blog search engine friendly or also known as set for
search engine optimization.

Where Are The Banks When We Need Them?

In today’s volatile economy the biggest loses and disappointments are when people lose their homes to rising mortgage rates. The best solution for this situation is mortgage refinancing, but because of the falling economy the banks are not giving away home equity loans or home refinancing loans as freely as they used to. Good credit doesn’t make much of a difference any more. Bad credit loans or unsecured credit cards are a thing of the past for now until the mortgage industry or the entire banking industry gets back on it feet and starts lending money and giving home loans to would be home buyers again.

There was a time not more then a few years ago when you could simply go on line to a website like www.Lending.biz that would give you a list of mortgage brokers and mortgage loans where you use a refinance mortgage calculator to figure out you monthly mortgage payment and how much of a home loan you can afford. Now it’s hard to get approved for a refinance loan on a home with equity in it. Banks are being too careful with their money lending and this is having a bad side effect on the entire banking and money lending industry. They used to make money of the refinance mortgage costs that were paid for by the borrower, but now that is still not enough to get them out of the hole.

So what is the solution? Believe it or not they all still advertise heavily on the Internet. Go to any search engine and type in search terms like: bad credit mortgage, loans with bad credit, loans for bad credit, bad credit loans, bad credit auto loan, bad credit personal loan, credit cards bad credit, mortgage loans, mortgage loan,  home loans,  mortgage rates, home mortgage,   payday loans,  auto loans,  personal loans  and so on. you will get pages and pages of money lender that offer a home refinance loan or even bad credit loans. So what is the deal?  Which is it?  Can I get a loan or not?  I applied for a home equity loan last month and got turned down even with a credit score of 780 which is considered good credit.

In my opinion the banks need to relax a little bit and go back to business as it was a few years ago. We need to stimulate our economy again by putting money back in to it. To do so banks need to re educate their mortgage brokers to be more honest and up front with borrowers so they know what they are getting into from the start. When I spoke with a mortgage broker last time, all he did was blow smoke up my ass and tell me that I can get approved for any loan with my high credit score. Well I got no where. So first thing that needs to be done is a reorganization of all the  mortgage brokers and lending firms. So keep on looking. You will find the right and honest mortgage broker if you stay away from these fly by night banks and mortgage brokers.  Stick to the big popular lenders. There are many out there that you may have never even heard of. The web site I use for any of my banking needs is www.Lending.biz . They will give you a list of good, legitimate mortgage brokers.

The greatest challenge for online marketers is quality web traffic

The greatest challenge for online marketers is quality web traffic, as traffic is the key to making sales. With no sales, there won’t be a flow of money or any profit. The majority of small businesses and entrepreneurs struggle to acquire free traffic for their website, but larger businesses and marketers have discovered how easy it is to buy traffic using Google Adwords.

Paying for advertising online has one obvious benefit:  it can be increased! After you find your keywords, all you need to do is increase your traffic with the push of a button. Search engine optimization usually takes a matter of months to see results but Google Adwords is much faster, producing traffic and profits right away.

Buying traffic through Adwords (or other forms of paid advertising) is generally considered to be the most efficient method for acquiring targeted visitors. However, if your website isn’t designed well, you could lose out on sales and thus, lose money in the process.

With purchased traffic, the flood is immediate, sometimes as much as hundreds of thousands of visitors, provided the keywords and marketing plan are strong. You determine whether the traffic flows or not, much like turning a switch.

Paid traffic is amazingly widespread. When a marketer makes big claims of high monthly revenue, say in the hundreds of thousands each month, that person is probably buying their advertising.

Before marketing to potential visitors, you must know how to turn them into customers once they are at your website. If your website lacks a good sales page, you will lose the opportunity to turn visitors into customers and your Adwords marketing efforts (and dollars) will have been wasted.

No matter what method you use for paid advertising, it is crucial that your website is spot on. Paid traffic will get visitors to your site, but unless you have everything in place once they arrive, you will have wasted your marketing investment.

Now that your website is seamless, you are good to go with your Google Adwords campaign. How will you know a healthy profit when you see it?

Would you believe there are some people who put in over $10,000 each day with PPC? Rest assured they are making a very nice return on their investment. Most of them will direct-link to the product, so they are basically just pushing traffic and are not shipping an actual product or having to deal with customers.

Don’t jump into using Adwords without doing the proper research by reading books or talking with professionals. Most people start looking for free traffic first and then try paid traffic. But then again, Adwords may be the next step for you if you think you are ready.

Most negative information on your credit report remains for seven years

It’s a tale that’s all too common: after saving every extra penny for years, a happy couple finally decides to pull out their savings and buy their dream home. Virtually, or physically, they spend several nights a week touring the listings of available homes.

When they finally make their decision and select their new home, they are shocked to find out they have been rejected by the bank for their home loan. The deal falls apart and their home falls out of escrow. They are mortified; family and friends look at them as if they are bill dodgers. They earn good money and pay their bills on time – why were they rejected? Because they have a few negative credit instances on their credit report that they knew nothing about. All it took was a couple of negative items; the bank them as a credit risk and their loan was not funded.

The above scenario happens more often than you realize. Most people do not monitor their credit report closely enough, and they eventually discover the credit bureau has received information from creditors that is erroneous. Often there really are times when people just can’t pay their bills on time, and they are late by just a couple of days, but unless the creditor is asked immediately to remove the late charge, they will transmit the negative info to the credit bureau.

Most negative information on your credit report remains for seven years! Even if you make up the overdue payments and their late fees, anyone who accesses your credit report in the next seven years will see the negative items.

The three national credit bureaus that provide consumer credit reports are Equifax, Experian, and Transunion. In addition to the big three credit bureaus, about 700 smaller companies specialize in providing businesses with the personal credit histories and public record information of all Americans. The number of credit reports issued annually tops more than one billion, making our credit histories a billion-dollar business!

Information obtained by the credit agencies is conglobulated from many sources, most often from public records (bankruptcies, judgments, and tax liens), financial institutions, and you.

Every time you apply for a loan or a credit card, the potential lenders request your credit history from one of the three national bureaus, and other creditors will learn about it when they next check your credit report. A creditor inquiry is added to your credit report for two years, but by itself isn’t negative or positive. However, submitting an application to numerous different lenders at the same time, you will definitely send up a red flag – telling creditors you are a risk and affecting your credit score.

Bad credit can affect you and your family in many ways. You, too, could be denied a home loan because of bad credit. It’s possible you might qualify for a home loan if your credit isn’t that bad, but you will pay more in interest. Even a 1% difference in rate of interest will make a dramatic difference in your monthly payment.

Most people do not realize that a potential or current employer can access your credit report, although they must obtain your permission first. The information in your credit report can be used for or against you – they can hire or fire you because of it. If your credit report is used in the decision to not promote or hire you, federal law requires the employer to furnish you a copy of your credit report. Additionally, they are required to give you the phone number of the credit bureau and instructions on how you can remove incorrect information contained in your report.

Our economy today is based upon the American people’s habits of spending money – credit and debt repayment. Without you even knowing it, your lifestyle could be negatively influenced by inaccurate information in your credit history. Now that you are fully aware of how a negative credit report can affect you and your family’s life, maybe you should check to see if it is accurate?

Improve, Restore and Build Up Your Credit Score

First off I must say that I am totally against credit cards. I feel that if you can’t pay cash for some thing then you can not afford it. How ever, if you really want to build up your credit score then SECURED CREDIT CARDS is the way to go. A secured credit card is a card that you put money in to. Not like the prepaid cards you can get in any store these days, but an actual bank credit card that you send money to as a deposit and what ever amount you send in is your credit limit, but the credit card company or the bank that offered this service will charge you an annual fee just like a regular credit card service would.  unfortunately there are a lot of crooked companies out there that offer this service and take adventage of people with bad, poor or no credit.  They charge large interest rates and annual fees. You can go to a main stream bank or a credit union to get a legitimate secured credit card. Now remember, just because it is an unsecured credit card and it is your own money that you are charging against doesn’t mean that you don’t have to make your monthly payment. This card work just like a regular secured credit card. The money you deposited stays in a special account and you are only borrowing against that money. So the money you are using is actually the bank’s money. Make sure you make your payments on time every month.

Get Out Off Debt Faster

If you are like most Americans and choose to pay off your credit card bills to get out off debt then the best way to do this is by paying more then the minimum monthly balance is. This way the difference is applied to principal and your interest gradually goes down. When I was a teenager I bough a car I couldn’t afford. I didn’t have credit, but being a college student I got credit card offers every day. I’m sure you know what I’m talking about. So I bought a car that was way to expensive for me and I had no money to put down and ended up financing the entire price of the car. My interest rate was 25% and that made my monthly car payments more then my rent. I know what you are thinking, but it was a cool car and you probably would have done the same.  Any way, I had a good paying job and a side business at home that I worked on the weekends and at night after school. I had a little bit of money left over every month after paying my bills, so I sent an additional payment to the finance company with every bill. This not only lowered my principal amount, but it also built up my credit score from none existent to average. With in a year my monthly payments reduced by several hundred dollars and I was able to refinance the car at a lower rate.

Having some extra money to pay extra on your monthly bills is a great way to lower and pay off your debt faster. There are many ways you can get this extra income. You can get a second job or a part time job or you can start your own home based business. I gave music lessons on the week ends and built and sold radio control cars in the evenings after school through news paper ads. This was many, many years before eBay or the Internet. If I had that option then I would have been a millionaire long ago. You now have many options at your finger tips to make a lot of money in a few days working from home.

I know people that make more money on eBay then they do at their jobs. I know some people that get paid to play video games and take pictures. It sounds crazy, but it’s true. There are market research companies that don’t want to have on staff regular employees that they have to pay taxes and insurance on, so they pay out side participants to do market research for them. For example check out this company  here.  And that is just one of many. Making extra money in your spare time has never been easier. This place here will pay you to post pictures.

As I mentioned before, there are tones of ways you can make extra cash in your spare time. All you have to do is a little bit of work and research to find these companies. Do this and you will be well on your way to being out of debt for ever.

America, A Nation In Debt

The U.S. Census Bureau states that an average family has over 8 credit cards. Personal debt is now higher then the national debt. An average person owes approximately $8,500 to $15,000 to creditors. There are about 900 million credit cards in America today. A good number of those get paid late or not at all.

Make no mistake about it my fellow Americans, the banks love it when you pay late or not at all. That gives them an excuse to rack up late charges and fees to your bill. There are horror stories I personally heard from bank employees how the bank manager would order them to hold in coming credit card payments and not to deposit them for a few weeks after they are received in order to make it appear that the payment came in late. These days it’s hard for these crooks to pull this off due to online payment methods we now have available to us, but ten or twenty years ago this was a common practice in the credit card industry.

Protect your self from these corporate bank scams. Make your payments on line so the payment dates are recorded electronically. Pay early and try to pay more then the minimum balance on your statement. Send a separate payment and in the memo write ” apply to principal balance”.

I have a very simple rule that I live by. If I can’t buy it in cash, I can’t afford it. I have no credit cards at all today. I have no debt and I own everything that I have. But it wasn’t always like this. A (few) years ago when I started my own business I got bombarded with credit card offers. This was new to me and I was young and didn’t know what I was doing. Sins I had no credit history at all, the banks offered me ways to build my credit up. With in a year after starting my business I had gold and platinum credit cards from every major bank and credit card company in America. I had a total credit limit of a half a million dollars and I gladly used it. 

The problem was that I didn’t use it to grow my business. I used it to party and to take my friends and girlfriends out and on trips out of town. Living in Las Vegas also didn’t help the situation. I developed a drinking and gambling habit and the credit cards just kept coming in. I didn’t even have to apply for them anymore. They were just arriving in the mail box every week with credit limits up to $10,000 and $20,000. Eventual my business suffered from my lack of being there cause I was either out drinking or passed out from drinking. I started to fund my business with these high interest credit cards and eventually got myself in to a debt over a million dollars.

Fifteen years later I am now 100% debt free and I didn’t file for bankruptcy or even pay back most of the money. How did I do it? There is a beautiful thing called “STATUTE OF LIMITATIONS”. You see, no matter how large your credit card debt is, it is an “UNSECURED DEBT” and by law after seven years it is discharged from your credit report.

Avoid Bankruptcy

There are certain times and occasions when bankruptcy may be the only answer, but most of the time that is not the case. Unfortunately there are as many ads for easy bankruptcy as there are for lowering or consolidating your debt. Some times they are even included in the debt consolidation process.

Avoid Bankruptcy if you want to save your credit. You can easily fix your credit or at least raise your credit score with simple tactics like buying a bank CD for a few hundred dollars and then borrowing money from the same bank against your CD. You can raise your credit score and establish a good credit history with your bank that way, but a bankruptcy on your credit will shadow over you for ten years and there is nothing you can say or do to have it taken off as you could with just a simple negative report.

Remember, bankruptcy is not a way out of debt. It will only make things worse for you. There are commercials all over the place telling you how easy it is to get rid of all your financial problems with a bankruptcy, but what they don’t tell you is that it will cause more problems then the problems it is supposedly going to solve. I know people who filled bankruptcy over ten years ago and they are still having trouble getting and kind of credit. Don’t be fulled. Bankruptcy is not the answer.

Stop Foreclosures

Home foreclosures are every where these days. Hard working people are losing their homes to greedy lenders every day.

There are secrets that those lenders don’t want you to know about. There are ways you can stop foreclosures and keep your home and even lower your monthly mortgage payments. Most people don’t know these things and give up all hope. There is a tone of information on the Internet about this subject. You can go to your county court house and get information on ways and steps to take to keep the banks from stealing your house from you.

There are forums and web sites set up just for this purpose. All you have to do is dedicate some time to this and do some research. You can literally stop the bank from foreclosing on your home and do it without bankruptcy or any attorneys involvement. Go on line and google terms and search words like “stop foreclosures”, “foreclosure cures” or “foreclosure remedies”.  Don’t give up hope and spend a few hours on your computer and do some research. I found a great source of information that can help you with this. It is a info pack that you can down load and follow the steps that are described in it. If you don’t have time to do your own research, then I suggest you try this program.

Bad Credit Is Not That Hard To Fix.

It is a good idea to check your credit report every six month or so. Get a credit report from all three credit reporting agencies and go over it with a fine tooth comb. Look for things on there that are not accurate or completely wrong. You have the right to dispute every negative thing on your credit even if it’s some thing that you are responsible for. All negative reports should come off on their own after seven years, but some times they don’t. If you were ever contacted by a collection agency just before your seven year statute of limitation was about expire, and asked to settle the debt and you admitted that you owed that debt, but you weren’t going to pay it, that alone re instates that debt. So it’s best not to say anything or talk to any collection agents at all. Just ignore them or simply deny any debt they speak of. Say “It’s not my debt”.