Monthly Archives: August 2012

Of early New England apples.

by Dr. Jeffrey Lant.

Author’s program note. It was once commonly remarked that an apple a day kept the doctor away. Nowadays arduous Medicare regulations perform the same task with distressing results for the body politic. With this observation, I therefore pledge myself to the tried ways and true, though I am not averse to a little progress, so long as it is easily accomplished and does not make me take exercise or appear antediluvian, behind the times, a living, breathing artifact.

Thus in this article you will find things that are actually good for you and readily available; things that are not so expensive that budgets are busted; things that run you happily down memory lane; things that, once mastered, turn even the most pedestrian and uninspired cook into le cordon bleu, the very gratin.

What am I talking about with such certainty? Just this: malus domestica, the pomaceous fruit we call the apple and which is arguably the world’s favorite fruit with over 7,500 known cultivars, each distinctive, each catering to the finicky tastes of our never-quite-ever-satisfied species. Looking for all these different kinds of apples immediately takes one back to tableaux by Currier and Ives, its every stage shear beauty and soul-satisfying, seen at an ambling pace that refreshes, not fatigues. Apples, you see, are not just a fruit; they are a statement about what makes life worth living, and they are happy to share their insights from ages past with us humans who abide so short and contemplate so little, passing on even less.

For the musical accompaniment to this happy journey through apple orchards near and far; surely one of the most serene and joyful journeys of your life, I give you John Chapman, known to the world as Johnny Appleseed. He was born in 1774 in Leominster, Massachusetts, not far from where I’m writing you. He commenced his wanderings and civic vocation in 1801 in what was then the Ohio Territory, the planting, care and maintenance of apple trees, each a child to him, known, remembered and loved.

Johnny Appleseed, poet.

He must have had at least a touch of the poet about him, at least his endless peregrinations produced lyric results, from spring flowering trees, to places of verdant summer shade and the cascade of autumn fruit. Yes, he must have been part poet. We see it in the trees he planted and their bounteous harvests, the recurring grandeur of the orchards, the tidy and meticulous acres of the folks who tended them. I tell you, each was a scene it would take a master like Constable to rival.

Lucky John Chapman who in the apple found his metier and a path to helping humans and so assisting God. Walt Disney, who knew a good story when he heard one, turned (in the 1948 film starring Dennis Day as Johnny’s voice) the man and his mission into what Disney did best: an oeuvre at once informative, inspiring, and entertaining. Go now and find it in any search engine. It is a happy tune about a useful man fortunate in his work until the day he passed in 1845, 1847 or 1848; authorities differ as they so often do.

VIP fruit. Red carpet treatment expected.

As the apples themselves will proudly tell you, they have made a lot of people happy, people everywhere on Earth, for the plant travels well and eagerly adapts to its new surroundings. They are used to being welcomed with open arms by the very best people and are never disappointed or underwhelmed by the lassitude of their neighbors. That might be the case with other, lesser fruits. But it is never the case with the apple until…

The case of the apple no apple in God’s garden, the Garden of Eden.

Once upon a time, there was, according to the Book of Genesis, the hugest scandal involving God, Adam and Eve, a serpent and the Tree of Knowledge of Good and Evil. There was also an apple on that tree. The action went like this: God created the garden (and everything else). He told Adam and Eve to enjoy themselves but stay away from the Tree and its apple, OR ELSE…

Of course that saucy wench Eve just couldn’t take her eyes off the apple. Women are just that way. The cunning serpent saw to that and against such a combo and constant enticement, poor little Adam was outmaneuvered in no time, bit that apple, and turned as bright red. He confronted at once a very abashed and under dressed Eve, saying “Pookie, we’ve got Big Trouble”… an apt deduction the Big Guy immediately confirmed, recommending they open a joint account at Brooks Brothers for some cool threads and next time listen to Him. He then booted them out of Eden and sent them a list of chores to keep them busy and out of trouble, though in the event that didn’t work either. They were just a bad lot.

The apple did it.

Predictably, the apple got hit from all sides. There were those who thought the apple the responsible party. The apple in turn said, “Am I my brother’s keeper?” Everyone had an opinion and was adamant that THEY WERE RIGHT. The only thing all agreed upon was this: in the face of this worldwide controversy, sales were falling… and the ironic thing wasn’t that the apple was innocent (or guilty) but that there shouldn’t have been an apple in the story at all. Huh? Back up a mile! What do you mean there’s no apple in Eden?

Well, Bible scholars now agree the “apple” was the result of a misspelling in medieval days when “malus” (which means evil) was mistaken for “malum” (which means apple), and so a couple thousand years of history and millions of page references are wrong, wrong,wrong. Quick. Get me rewrite!

(By the way, now that the apple has been discredited, reputable scholars who just love a good donnybrook like this have suggested the grape, fig, pomegranate, wheat and even the mushroom as the correct answer… all on the very best authority.) Whippee, this will take millennia to work out and that’s a fact! Your guess is as good as anyone’s.

New England, 6 states, one request: come visit us and savor the good life, available in any apple.

In the meantime, apple lovers should come to New England for apples that are really apples… and not dissertation topics. And they should come now because this year’s delectable harvest is in, early… thus defying dire predictions that this year’s early spring followed by a frost meant many fewer apples. But apples like to surprise, and this year they have done just that. The crop will not be a record, but it will be ample for all, and this is good news for you, the better the closer you are to God’s true Eden, an apple orchard, a place where God did some of His best work.

Now go to any search engine and search on “apple orchards” in your state. Plan a little excursion for you and your family, gadding about, having yourself a good old time. And do try to find orchards which allow you to pick the apples yourself. I guarantee that the Honeycrisps, the McLeans, and those ultra flavorful Galas and all the dozens of others will taste all the better for your efforts.

Go now, happy voyager, for every tree is heavy laden for you and the crowding apples have turned the very air sweet with their inimitable perfume. They await your pleasure and all the sumptuous uses which John Chapman’s personal angel sings of to inspire Johnny’s work: apple tarts and apple fritters… apple pies and apple dumplings… and that’s just for openers. Apples, don’t you know, go with most everything, especially happy faces.

And one more thing: when on some warm, enfolding springtime day you see a crowd of clouds above an apple orchard, those aren’t clouds at all. They are the celestial manifestation of all the thousands of apple trees he planted, now blooming forever more high above and heralding us in a torrent of pink and white petals. Johnny did it all for you and me… and though he was funny looking, scrawny, his cooking pot on his head, wrapped in old burlap from a feed store, make no mistake he was a great person, full of goodness and love. God, you’ll remember, moves in mysterious ways, and Johnny Appleseed proves the point. The Lord was good to him… and helps those who help themselves… and each other.

About the Author

Harvard-educated Dr. Jeffrey Lant is CEO of Worldprofit, Inc., providing a wide range of online services for small and-home based businesses. Services include home business training, affiliate marketing training, earn-at-home programs, traffic tools, advertising, webcasting, hosting, design, WordPress Blogs and more. Find out why Worldprofit is considered the # 1 online Home Business Training program by getting a free Associate Membership today. Republished with author’s permission by Daniel Fischer

‘A matter of life and death.’ A concerned young boy asks me if I can help freea great lobster. My answer may surprise you.

by Dr. Jeffrey Lant

Readers, as someone with millions of readers worldwide I receive a good many comments and responses, some silly, some insightful, some profound. Today’s article is a response to a letter I just received from “Timmy” in Orleans, Massachusetts…. He has taken pen to paper (actually fingers to keyboard) to write thus:

“Hello, Dr. Lant. I am 8 years old and care about our planet. The other day I saw an article in the Boston Globe about a 21-pound lobster which was caught in our town. I think that lobster, which was handed over to the New England Aquarium, should be freed. My father (who helped me with this message) told me to write to you being one of your fans. He says that you’ll have something sensible to say on the matter. I think the lobster should go free. What do you think?”

My response.

First of all, Timmy, I want to thank you, not just for writing me but for your concern about the future of our distressed planet Earth. You may know that I regularly write on that subject, for I too care deeply about our planetary home.

Second, I want to thank you for writing such a nice, clear message. Most people your age would have made that message unclear and muddled by using what we now call a text message, that is a message composed of abbreviations, symbols, and made-up letter and word formulations whose meaning is known only to the texter and follows no known standard.

I regard such messaging as an abomination and an attack on what is arguably the most important contribution we humans have made to our collective welfare, that is the gift of language. And more precisely the English language, now the language of all the educated people on Earth, people like you. Because of the importance of language, we must fight to sustain it… therefore I urge you to continue your correct usage and maintain the proper features of our sublime, lyric, supremely practical language. I say bully for you!

Finally, I want to say how good it is to see you working with your father on this project. As you probably know even better than I do, young people often see their ” ‘rents ” as nothing more than a convenient if irritating meal ticket… At school, at play, it is the usual, the fashionable thing to denigrate parents, deriding, belittling, everything said a put-down, the better to be thought “wicked cool.”

But this is not cool, wicked or otherwise. This, I know, is easier said than done; after all, I was eight year’s old once… as your father was. But keep this in mind: it’s always easier to criticize and get the cheap laugh than to be constructive. Your policy must be different because you’ve got brains and sensitivity. Aim at all times to “Honor Thy Parents”, even when they are bugging you the most. Remember, this is the first time in their lives they’ve had to master the important subject of — YOU. Your help in this endeavor at all times is necessary… and appreciated!

Now, we must get down to the business at hand… for this is a matter of life and death.

“Will you come and join the dance”?

The answer to your fine query, Master Tim, begins in rethinking the matter of lobsters, to understanding them and their place in the universe. Most people don’t do so; they see a lobster as a thing that goes from the sea into a scalding pot thence into a waiting and expectant stomach. But here, I assure you, they are short-sighted and ill-informed. We shall begin where these laggards leave off… with the fact lobsters love to dance… See for yourself. Go to any search engine. Look for the 1999 film version of “Alice in Wonderland”, based on the celebrated books by Lewis Carroll, “Alice’s Adventures in Wonderland” (1865) and “Through the Looking Glass and What Alice Found There” (1871 ).

Knowing how much raw energy you have, you will want to learn all the steps to the intricate ‘Lobster Quadrille” as described by the Mock Turtle. You will see what most people have not only never seen but never even knew existed…an elaborate Court dance which even kings and princes did not disdain. You see, the lobsters we think are so slow moving and awkward seem so only because we see them in our environment, trapped, their claws bound, no vestige of dignity. They are then just so many pounds of boiled meat… and at such a distressful moment the agile and graceful figures of a quadrille are not of first importance.

Ah, but when they are free, in their own expansive home, how they enjoy themselves… leaping, cavorting, every movement practiced, perfected, the better to dazzle their rapt audience. And do please note this: it is the lobsters who are thrown highest in the figure… a matter of exacting perfection and precision done to these lyrics:

” ‘Will you walk a little faster?’ / Said a whiting to a snail/ ‘ There’s a porpoise close behind us / And he’s treading on my tail / See how eagerly the lobsters / And the turtles all advance / They are waiting on the shingle / Won’t you come and join the dance?’ ”

But they can only dance as they should if they are free, untrammeled, for the fact they are free gives them a zest and exuberance no captured creature can ever feel and always pines to have. On this basis alone, our giant crustacean, the master of many dances over his long strand of life (which locals estimate at 150 years), deserves the chance for 150 more. Thus, right from the moment he was caught near your home the good people of your neighborhood have paused before ending this life. This includes the gentleman who bid $3,400 to keep him alive, the money generously donated to the Dana-Farber Cancer Institute.

He has lived, they remind each other, majestic and condescending, since the days of the American Civil War, going about his business with more peace and tranquility than we humans have gone about ours. He should be given life, not the cooking pot. He should be taken into the ice blue waters of our Massachusetts Bay and saluted as he slides into the waters of a world where he is a personage of grandeur and awe.

But, Tim, this doesn’t feel quite right either, and perhaps the lobster knows this. Surely, he wants freedom… every wild creature wants and deserves it, for their rights are ancient and fundamental. However, remember this, in the wild they live daily at risk, not least from humans less sensible and sensitive than we are. They will promptly kill, thereby ending all… only to be hungry again in just hours. Fortunately, the Solons at the New England Aquarium have a solution to this problem, which may suit the old fellow just fine and provide the respect he deserves.

Visiting Professor.

You see, we humans need the knowledge that is inherent in this lobster. His long life suggests a superiority of reproductive capacity, and so he is protected by state and federal laws. We need to know what he knows, and the best way to get it is by honoring his wisdom, making him as comfortable as possible, studying him the while.

Thus our lobster has already gained his own huge tank, a true think tank where he resides in amplitude. He must by law undergo a routine thirty day quarantine, and he does not object, for he wants his species healthy, too. During this time, he can be ogled and clearly seen, admired by humans who are naturally curious about a denizen come to us from places little known and vast. He is a time traveler, and we want to know more of what he’s seen and how he did it.

Thus, let him stay amongst us for a time, until he has told us all he can. Then release him to total freedom with all its risks and rewards, one of these being, of course, the quadrille which is his to dance as only he can do.

I hope this answer pleases you. And while our visiting professor resides among us at the New England Aquarium, be sure to visit and tell him what we advise. He will be glad to know he has a friend like you — and me.

About the Author

Harvard-educated Dr. Jeffrey Lant is CEO of Worldprofit, Inc., providing a wide range of online services for small and-home based businesses. Services include home business training, affiliate marketing training, earn-at-home programs, traffic tools, advertising, webcasting, hosting, design, WordPress Blogs and more. Find out why Worldprofit is considered the # 1 online Home Business Training program by getting a free Associate Membership today. Republished with author’s permission by Daniel Fischer

‘Just reach out and touch me.’ Prince Harry, Her Majesty, and the undeniable urge to flaunt it if you’ve got it. Some thoughts.

by Dr. Jeffrey Lant

Author’s program note. For thousands of years, since our ancestors in caves learned how to do what comes naturally, men have been ogling women. It was their God- given right and no one but a few do-gooders thought anything about it. It was the way the world was, and we males liked it that way.

Then the sexual revolution of the 1960s took a remarkable twist. Women started, tentatively at first, to ogle men… and all of a sudden sexual equality meant exactly that. The fig leaf, so firmly in place for millennia, was now dropped forever and ou la la meant Billie and Bobbie, not just Heather and Marie. Thus the world jumped at the chance to see His Royal Highness Prince Harry of Wales in the altogether, up close and very personal.

The facts.

HRH’s office reported this week that 27 year old Harry was bushed from his unrelenting labors at the London Olympics. We empathize. It is, after all, strenuous work handing out gold medals and saying just the perfect word of victory or consolation. He surely needed the holiday he took and all its perquisites. But where to go? For the funnest prince on Earth it had to be the funnest place on Earth, somewhere outside the empire where the sun still never sets and where grandmama was sovereign, somewhere where he could kiss and no one would tell.

And so it came to him, “Viva Las Vegas”, the magic place where whatever happens stays. The perfect place to parteeeeeeeeeeeee!

Now, let’s be clear about what goes on in the town universally called “Vegas”. Gambling. Sex. Celine Dion. Sex. Over abundant dinner. Sex. Capische?

Let’s be clear about something else. Harry is a bona fide prince of the bluest blood but the likelihood of his ever reigning is miniscule. His father Prince Charles would have to be out of the picture and his brother Prince William, the new Duke of Cambridge. Moreover, the minute Prince William and his alluring wife Kate have a kid, Harry goes down another notch, oblivion his destiny. What’s a boy to do in such circumstances? Rod Stewart, loyal subject of the dynasty, has the answer, and he delivered it in his 1978 pop smash “Da Ya Think I’m Sexy?”. He made the necessary moves as clear as a how-to book, listen, learn, do.

“If you want my body and you think I’m sexy/Come on, sugar, let me know.”

And women did, slowly perhaps but undeniably, and a whole new genre of males was born. We called them boy toys. I was chagrined that I was old, far too old, to try on that persona and flaunt the little that was left. Call it caution. Call it common sense. Call it apprehension and fear. I demurred. But Prince Harry most assuredly did not.

Thus, this junior prince of Wales started off with the obligatory game of strip pool, so popular, so prone to reckless betting of vestments. But then, who needs clothes, in Vegas of all places?

Where was his security?

Here is where every single alarm bell in the kingdom should have gone off and where Harry’s security detail should have been johnny on the spot reminding him that stripping and flinging his glad rags on the floor was not, ahem, the best of all courses, sir. Such a warning may well have caused HRH to pause and come to his senses, keeping his clothes on his body. Had he heeded the warning, the world would have had to somehow get through the day adrift, without Harry’s buff body to titillate and amuse us. But those bells did not go off… and this is a matter not for mirth but for concern. Where were those agents when he needed them? This calls for investigation, explanation and disciplinary action.

Another matter for concern: the totally revealing photos which are now so easily accessible online are grainy, unprofessional, unclear; they resemble photos taken secretly from a closet or undisclosed location. In other words, our feckless prince, all uncomprehending, went into a room of strangers, lost his clothes and thereby became a golden meal ticket to a shutterbug who saw his chance in the naked body of this scion of Windsor to garner a king’s ransom fast. It was ignoble, deplorable, but do-able the way our clueless prince so carelessly operates.

Second royal child syndrome.

Harry’s singular problems began with his birth. In the old saying, “the heir and the spare,” he was “the spare”. In this situation, well known to every royal family, the heir gets the good stuff, all the good stuff; crown, kingdom, the respect of a great nation and its empire, and the best seat in the house for every royal pageant. Against this mountain of goodies, what “the spare” gets looks petty, derisory, even unfair. Yet it is the royal way.

As a result, second children, princes like Harry’s uncle Andrew, Duke of York, Prince Charles’ younger brother, and princesses like Margaret Rose, the Queen’s late younger sister, get indulged to a degree… perhaps because their reigning parents feel sorry for them. In short, there is guilt and lots of it, for all that this is the royal way. And so these indulged younger children run rampant in a way no heir to the throne would ever be allowed to do.

Even more guilt in Harry’s case.

Harry was just 12 when his adored mother Diana Princess of Wales died. A great nation wanted to reach out and give him comfort. This, in time, turned into near carte blanche, as if he were entitled to do whatever he liked because of the great tragedy that was his burden for life and haunting reality. And so the “indiscretions” piled up:

How Harry was famously photographed wearing a Nazi uniform for a costume party. How he was photographed cupping the breast of a female TV presenter. How he uttered a racial slur while teasing a fellow army cadet from Pakistan.

This prince more than most needed extra attention and as the events in Las Vegas show though he needed it, he didn’t get it. Will what ensued hurt the dynasty? No way. For Harry was indulging himself in ways every English mate would understand, do whenever he could, and envy. It was a case of “that lucky dog” and a lascivious wink.

But what of Her Majesty the Queen? Surely she had something to say on the matter? Not necessarily, for I suspect she realizes her own responsibility in the matter of her handsome, dashing, most humorous grandson, and likes him just the way he is. Any such call she might have made would have contained only the most mild slap on the wrist, thus: “Harry, really….” “Yes, Grandmama.” “Try not to be so trusting.” “Of course, Grandmama.” “And assume there are always cameras present.” “You’re right, Grandmama”. “And do keep your clothes on, dear Harry.” “You have my word, Grandmama.” And that, this time, was that. But of course both knew he couldn’t keep it.

Wanted: a good woman.

The solution? A good woman, of course, pretty in the English rose way, and above all someone who would understand and love him for himself. His elder brother, someday to be king, found such a beloved. With luck, and fewer trips to Las Vegas, Harry will find his, too. Until then, we must anticipate and expect more such indiscretions and misadventures splashed on the world’s tabloids, giving us the opportunity to tsk tsk, disapprove, and, above all else, enjoy the discomfiture and witlessness of a prince of the blood royal whose ancestor was once our puissant lord and king. It pleases us to see how far the mighty have fallen and hope to see how further still they may yet fall.

About the Author

Harvard-educated Dr. Jeffrey Lant is CEO of Worldprofit, Inc., providing a wide range of online services for small and-home based businesses. Services include home business training, affiliate marketing training, earn-at-home programs, traffic tools, advertising, webcasting, hosting, design, WordPress Blogs and more. Find out why Worldprofit is considered the # 1 online Home Business Training program by getting a free Associate Membership today. Republished with author’s permission by Daniel Fischer

Creating A Great SEO Website

When you are first starting out in a business and you create your very first website it can be a difficult task, especially if you want your website to be noticed. The key to getting your new website noticed is by making your site SEO friendly. SEO simply means Search Engine Optimization and is the way that search engines such as Google look for keywords within your website to produce results.

In order for your website to be at the top of the search engine list you need to provide as many keywords as possible that the web crawlers can attach themselves onto. Here are 5 simple steps that you can create a SEO to get you great results.

1. Be creative in your Keyword research
-This is the number one most important rule in building an SEO Friendly website. Before creating your keywords, search through the search engines and see what words your competition is using. You will also need to make sure that your keywords are unique to your business. If you are still unsure of what keywords you should use for your business there are sites available to assist you, like Word Tracker for example.

2. Make your site easy to use
-Make sure both people and search engines can use your site easily. The best way to achieve this is to plan your site before you build it. When you do this be sure you have included plenty of vital sitemaps which should be in HTML as well as XML format.

3. Be sure that your content for your site is relevant
-The content of your website is the second most important part of creating a successful SEO. Your content should pertain to the title, description, and tags. This will allow you to control where in the list your site will appear. The better your content the higher you appear.

4. Make sure you add key rich keywords and tags
-To assure that you rank high on the search engine list you need to make sure your keywords appear in the title pages, description, and keyword tags. You need to be sure that the content of your body contains keywords.

5. Make sure each page of your site is unique
-It is very important to avoid using duplicate information on all of the pages of your site. Make sure each page has its own title but also keep your keywords in the title. Add new pages frequently to target new members. Also be sure to keep an eye on your competition to keep your pages updated to keep you above them.

Creating an SEO friendly website can be difficult and confusing. If you follow these few simple steps you will have your website up and SEO friendly in no time.

Daniel Fischer is the Owner of Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter. Check out List Building Automation ->

Common SEO Mistakes-Tips To Help You Not Make These Mistakes

SEO (short for search engine optimization) is a collection of methods that are used to move a website higher in the results when someone uses a search engine. Unfortunately, there is a lot of misinformation floating around about what works and what doesn’t. Here are a few of the most common SEO mistakes and what you can do to avoid them.

1. Using the wrong keywords. This is such an easy mistake to make. One of the biggest problems is that people tend to go after the search terms that get the most searches, but that isn’t always the smartest way to go. The keywords that get the most searches almost always have the most competition and can put you at a disadvantage when starting out. It’s okay to use keywords with fewer searches if they fit in with your overall SEO plan.

2. Tag confusion. A few years ago you could get away with stuffing your meta tags with all of your keywords, and that would be enough to move you higher up in the search engines. Today, a lot of the bigger search engines virtually ignore your meta tags when determining where you will place in the results. However, that doesn’t mean that other tags don’t matter. You can still use meta tags, but you don’t have to stuff them with keywords, instead, use them to write a good description of your site and fill in other useful meta information. Heading tags, alt tags and tags used for emphasis can give your keywords and images extra weight, so use them wisely.

3. Having a site that uses Flash only. Flash is a wonderful tool when used properly, but the spiders sent by the search engines can’t read it. Not everybody likes a Flash-only website, but if you have good reasons for using Flash, be sure to include an HTML version of your website so the search engines have something to rank your site with.

4. Java Script. Similar to Flash, Java Script can’t be read by the search engines. It’s easy to use various Java Script applications on your website, but be careful with where and how you use them. One of the more common SEO mistakes is to use Java for menus on a website. That’s one of the worst ways to use Java Script because you will lose all of the SEO benefits that come with internally linking your pages. In other words, if you must use Java Script, don’t use it for your menus.

5. Relying black hat SEO techniques. Yes, black hat SEO can and does work, but only for a while; eventually the big search engines figure out the black hat methods and then they change their algorithms to make those methods ineffective. When this happens, your page can move down in the results instantly. In the long run, black hat SEO takes more work, so do your best to play by the rules.

Avoiding these common SEO mistakes will help you place higher in the search engine results.

Daniel Fischer is the Owner of Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter. Check out DotCom Secrets ->

Credit Score Calculator Basics

Your credit rating plays an important role in your life. Those with high credit scores can obtain loans and low interest rates to pay the loans back. Those with below-average credit scores may struggle to obtain loans and, if they do manage to get them approved, they can pay much higher interest rates while paying them back. You are entitled to ask for your credit score one time per year free of charge (as stipulated by the Fair Credit Reporting Act–FCRA). Otherwise, you can use a credit score calculator to help you get an idea of where you stand in the credit game.

If you’re considering buying a home or taking out a bank loan for any type of purchase, you’ll need to know your credit score. It’s not hard to find a credit score calculator online. These calculators will give you a score based on the detailed information that you provide. Your score will range from 300 to approximately 850 (the average American credit score is estimated to be about 690) and factors that influence your score are how timely you pay your bills, how many other credit cards and loans you have, the rate of interest you are currently being charged and how long you have had established credit. Once you have this score, you’ll know if you should work on paying off some debts before asking for a loan.

The three major credit bureaus that figure out your credit scores are Equifax (which uses the BEACON method), Experian (which uses the Fair Isaac Risk Model), and TransUnion which uses the EMPIRICA method). All of these models are just variations of the FICO method which was established, with the help of these three credit bureaus, by the Fair Isaac company in the 1980. Other lenders may also have their own scoring methods which add in additional information such as your income or how long you’ve been with the same company.

You will be able to find a calculator for each of the above mentioned methods. The scores may vary a little bit but in general, they should all be within the same range. Banks will usually take a look at all three credit scores before making a decision about whether or not to offer you a loan, what type of loan to give you, and how much interest to charge you.

But keep in mind that calculators are just to be used as estimators. Your bank or lender will perform a much more detailed analysis on your credit status to come up with their own personalizes score.

A credit score calculator can be used together with your lender’s calculators so that you can work out what your monthly payments will be after you’ve secured the amount of the loan. As you improve your credit, you can check the calculators periodically to see if you may qualify for lower interest rates.

Daniel Fischer is the Owner of Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter. Check out Above The Matrix ->

Credit Repairs Are Easier Than You Think

Some companies make credit repairs sound like a complicated process. They might lead you to believe that only experts can understand the confusing world of credit and debt. You can hire them for a hefty fee. But, you can also do credit repair yourself.

There really isn’t anything complicated about improving your credit score. The steps are simple, even if they’re not always easy financially. For instance, the first step in credit repairs is simply contacting the four major credit reporting agencies and getting copies of your credit reports.

You’ll see ads everywhere offering you a free copy of your credit report if you sign up for another paid service. You don’t have to do this. The Fair Credit Reporting Act gives you the right to get a free copy of your credit report. You can order one free from each agency once per year, so there’s no need to pay.

Even if you’ve gotten one within the last year, you can get one free if you’re turned down for credit. You’ll get a letter telling you which agency they contacted, and you have the right to see your report then.

The credit reporting agencies you need to contact to start making credit repairs are: Innovis, TransUnion, Experian and Equifax. They’ll send you a report, but if you want your credit score you’ll have to pay for that.

You may want to pay for your credit score, especially if you’ve had a lot of problems. Knowing your score can help you from further damaging your credit. If you have a bad score and you apply for a mortgage, you’ll hurt your credit because they’ll check and turn you down.

Those kinds of credit checks can count against you. If you know your score, you’ll know whether or not you’re likely to be approved and can avoid further lowering your score. You don’t have to know your score to start fixing problems, though.

Your credit reports will contain enough information to help you. They’ll show any past due amounts you owe and to whom you owe them. They should also list how long the amounts have been past due. You want to check carefully for errors, as these are not uncommon.

Each credit report may have slightly different information. The credit reporting agencies don’t generally communicate with one another, and each may have information from companies in that region and no other. So it’s important to check them carefully.

If you find errors, credit repairs are as easy as contacting the agency and requesting that the errors be removed from your report. They provide you with the necessary forms.

Once you’ve gotten the errors corrected, you can then start avoiding late payments and paying down balances as fast as possible. Start making more than the minimum payment on at least one credit card.

Aim to pay as much as possible to start eliminating those debts one by one. These credit repairs will start positively affecting your credit score in a matter of months.

Daniel Fischer is the Owner of Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter. Check out Massive Traffic Ultimatum ->

Corporate Internet Marketing Strategy-Internet Marketing Not As New As Some Believe

There is a lot of attention being paid to the world of internet marketing, but it isn’t as new as some media outlets would like us to believe. Having a corporate internet marketing strategy is more important than ever, and not having one could be costing your business a lot of money. It’s easy to get confused with all of the information floating around on the topic, but let’s try to clear some of it up so you can take advantage of all the internet has to offer you and your business.

“Why are you in business?”

“To make money!”

That’s all there is to it, right. After all, you wouldn’t be in business if you weren’t planning on making money. While that would be one of the reasons you are business, it’s not actually what will make you money. Your customers don’t care about your desire to make money; if they did, they would just give you money without you giving them anything in return. That simply doesn’t happen in the real world.

Your corporate internet marketing strategy has to be based on what your customers want, not what you want. To be more specific, your strategy needs to highlight the benefits to your customer (what they want) so you can generate higher profits (what you want). Before you can give them what they want, you need to know who your ideal customers are and what it is that they really want.

The cool thing is that the internet is an ideal way to get your marketing message out there, and it can be done for a relatively low investment when compared to traditional advertising. Of course you should also include traditional media in your marketing campaigns, but be sure they complement your online marketing and vice-versa.

Internet marketing covers everything you do online that could be even remotely associated with your business. A comment on a message board, a blog post, an update to your personal Facebook page, anything, anywhere will all add to the public perception of you and your business. That doesn’t mean you should be afraid to have an online presence, but it does mean that you should carefully consider everything you say and do online.

There may have been a time when a business, any business, could gain a foothold in the market by simply having a website, but those days are long gone. However, if you don’t have a website and a full corporate internet marketing strategy then you are losing ground to your competition. Speaking of competition, it has changed, too. It used to be that you knew who your competition was and that they were of the same relative size as your business. Today, your competition could be a single person with little more than an internet connection.

It’s debatable whether there was ever time when you didn’t need an online strategy, but there is no doubt that you now need a corporate internet marketing strategy if you wish to have a successful business.

Daniel Fischer is the Owner of Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter. Check out Info Cash ->

Credit Repair Specialists – What Do They Do

Credit repair specialists claim they can help you improve your credit score. Some companies make claims about being able to raise your score by a certain number of points. While there’s no guarantee your credit score can be “fixed,” usually there are things that will improve it. But, do you need credit repair specialists to do it?

The whole concept of credit repair may not have that much meaning to you. It depends on whether or not there are mistakes on your credit report. Some of the time, repairing your credit is simply a matter of paying off old debts as quickly as possible.

If there are no errors on your credit report, there’s not much to challenge. Repair specialists can’t do much with credit reports that are entirely accurate. So if your bad credit is really because of accurate information, a specialist isn’t going to be able to help you.

To repair your credit in that case, then it’s necessary to get the old debts off the reports fast. Once you pay them off and the collection agencies or credit cards report that the debt is settled, your credit will slowly start to improve.

The older the bad marks like late payments and charge-offs become, the more your score should improve. Eventually, those marks will fall off your credit report entirely and your score will improve drastically.

If you settle a credit card debt for a percentage of the balance owed, for instance, that will help your credit. But it might not help it right away. As that charge-off ages it’s not considered as important in your credit score. After it’s over a year old you’ll see an improvement.

You should see even more improvement after a problem is over two years old. And it should fall out of your scoring completely after 7 years. For this kind of credit problem, credit repair specialists can’t do much. Though some will counsel you about the best way to pay off old debts and handle your credit to avoid future problems.

There are three major credit reporting agencies: TransUnion, Equifax and Experian. They can all have slightly different reports and scores for you. It’s important to check them to make sure they’re accurate.

You’re entitled to a free report from each of them each 12 months or after you’re turned down for credit. If there are errors on one or more of these reports, then you might be able to benefit from someone who’s experienced in credit repair.

Experts are used to handling the paperwork and the dispute process that’s required by the credit reporting agencies. It may be easier for you to get a bad mark that’s inaccurate removed from your report with help.

You should be aware that you can do all this yourself without hiring anyone. All you have to do is follow the rules and procedures put down by the credit reporting agencies. But if you’re hesitant or unsure about how to handle it, credit repair specialists can handle these agencies for you and help you fix mistakes.

Daniel Fischer is the Owner of Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter. Check out Info Cash ->

Credit Repair Secret – It’s Common Sense

Here’s a little-known credit repair secret you might not have heard. It’s actually quite easy to fix bad credit and bring your FICO score back into the high figures again. The trick is to know the right steps to take to make the biggest impact.

Many credit repair articles, websites and tip sheets seem to make fixing your credit problems sound so difficult. The truth is you can make a really big difference to any of your problems by taking a few small, positive steps in the right direction. Here are some easy steps to get you started.

Credit Report Errors

This really isn’t a credit repair secret. Most people are aware that they can order a free credit report annually. When it arrives, check over it for any incorrect listings or entries. If you notice something listed that you’ve paid in full but is still noted as outstanding, call the creditor at once and ask them to report it positively.

The same is also true for any entries you see that don’t belong to you. Sometimes banks make mistakes, names get mixed up and entries may appear that really should have been reported to someone else. You’re able to dispute these entries and have them removed if they’re not correct.

Repayment History

Your repayment history accounts for 35% of your total credit score, so it’s no surprise that banks take this portion of your credit report seriously. A quick credit repair secret to increase this section of your credit score fast is to divide your regular monthly payments on any bills, credit cards or loan repayments by 4 and then pay this new, smaller amount on the same day every week.

The reason this little credit repair secret is so effective is because your creditors report your repayment activity monthly. By paying four smaller payments each month, you receive positive reports every month about your financial responsibility.

Common Sense

Most people only ever pay the minimum payment due on each of their monthly bills and repayments. While many credit repair tips suggest paying more than your minimum, let’s be realistic. Most people simply don’t have the extra cash each month to make extra payments.

A serious credit repair secret that could increase your score easily without breaking your budget is round up your payment by a few cents. This doesn’t sound like it’s doing much, but it will be reported as making an extra payment.

Balance vs Limits

A full 30% of your credit score is calculated based on the balances on your current accounts as they relate to your maximum credit limit. This means if you’ve maxed out all your credit cards, you’ll see a reduction in your credit score.

As you reduce the balances on your outstanding debts you’ll be increasing your score. While it’s not exactly a credit repair secret, it is an easy way to begin repairing your credit quickly.

Mix and Match

Perhaps the biggest credit repair secret of them all is to mix and match all of the above tips together. Order your free credit report annually and check it for any errors.

Divide your minimum monthly repayment amounts by 4 and pay the smaller amounts more frequently. Round up your new weekly payments by a few cents to the nearest dollar and pay this new amount.

Each of these small steps will help you to fix some of your credit problems and make your budgeting easier each week. You’ll also find that those small extra payments will eventually start chipping away at your balances too.

Daniel Fischer is the Owner of Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter. Check out Info Cash ->