How to Get a 700 Plus Credit Score With One Small Key Ingredient

Everyone wants a great credit score, but sometimes you wonder if it is possible. If you are wondering how to get a 700 plus credit score, then you are in luck. This article will help you understand your credit better, and show you how to get awesome credit!

First, it’s important to understand what makes up your credit score. There are three major credit bureaus that potential creditors will use to get info about you. These are Equifax, Experian, and Transunion. These credit bureaus collect info about you from those you have borrowed money from. The more times you pay your creditors on time, the better your score. They also measure the amount of debt that you have and how much of that is revolving debt (think credit cards). Too much revolving debt will lower your overall score.

Generally speaking a credit score above 700 is considered to be very good. This will entitle you to the best rates and the most respect. But, the holy grail of good great, a credit score above 700, is made all the more important in the credit driven society that we live in. A good credit score can mean that you can afford a bigger house or that great car you’ve wanted. It also gives you options and freedom.

Many people want to know how to get a 700 plus credit score. It is not as difficult as you might imagine. Even if you have made credit mistakes in the past, you can learn how to get it where you want. Start by getting on a reasonable budget. This allows to the freedom to allocate your funds properly so that you know that the money is there to pay your bills. And want to know the biggest secret to get your credit score above 700? Pay those bills on time! Anti-climatic, I know, but that is seriously it.

Another tip on how to get a 700 plus credit score is to keep your balances on your credit cards well under the limit. It is a good idea to owe less than half of your limit on your cards, and pay them regularly. When you are maxed out or even close on your cards, this signals to creditors that you are having financial trouble.

Finally, try not to apply for new credit if you don’t need it. Those store credit cards that promise to give you ten or fifteen percent off of your purchases may be tempting, but in the long run they can cost you precious points on your score. Limiting new credit inquiries is a key element in how to get a 700 plus credit score.

If you are looking for ways to skyrocket your credit, keep these tips in mind. If you keep to your budget, make your payments on time, and watch your balances, you can learn how to get a 700 plus credit score in no time.

Email Marketing – The Pros And Cons of Marketing With Email

Many small businesses are considering jumping into the world of email marketing. Email marketing has many different advantages, but it also has a few drawbacks that you need to keep in mind. The truth is that when utilized in the correct fashion it can be an extremely powerful and cost effective way of promoting your business and producing more sales. Once you learn about the pros and cons of email, you will be able to begin your own campaigns and get started down the path towards increased success and profitability.

The Advantages of Email Marketing

There are several key benefits to running an email marketing campaign. One of the most important is how cost efficient is can be. There is no other form of direct marketing that is as cheap as email marketing is. A 2005 study by the Winterberry Group found that for every dollar spent on email marketing, $15.50 was earned in return. There is much relevant data pointing to email marketing having a superior ROI than telemarketing, direct mail campaigns, radio or billboard advertisements and more.

Another advantage that email has is that you can quickly get your message across, and you can reach your customers and prospects in a place where they are comfortable communicating. If you have an idea for a new sale or promotion for the upcoming weekend, you can inform all of your customers about that immediately. With print advertising, traditional direct mail or anything else, the turnaround time could be days or possibly even a week or more.

One of the real strengths to running an email campaign is how effectively you can track the results that it produces. You will be able to see every click that is made to your website as a result of the email, and you will be able to see statistics such as how many people read the message, how many times they read it, if they ended up making a purchase and on down the line.

There is no other form of marketing or advertising that produces such an array of in-depth statistics. It’s an invaluable way to track your marketing efforts, and make the most out of every dollar you put into promotion.

Finally, another important advantage to email marketing that you will want to remember is that it’s the perfect way to convert prospects over a long period of time. No matter how great your products or services may be, not every person will be immediately ready to make a purchase or investment. Email marketing is the perfect tool to continue chipping away at those prospects over the long haul. By developing a relationship with each prospect and providing them with useful information, you will gain their trust and stay at the forefront of their mind.

The Disadvantages of Email Marketing

The largest disadvantage of email marketing is that so many people today are fed up with spam. All of our accounts are flooded with wasted emails everyday, and it’s a worldwide plague of the largest scale. Because of this, many people are wary about opening up emails from businesses, or about trusting anything they see in their inbox.

You can help combat this problem by being as transparent as possible. This means making it easy for people to see who is sending your message and what it’s about. It also means ensuring that all of your email addresses are used with permission, and you never purchase a list or steal addresses from another website.

Another disadvantage with email marketing is that far too many small business owners or managers know how to make a campaign work for them. Perhaps they try using gimmicks or copying an email that somebody else sent out. However, a much more effective strategy is sticking within your own identity, playing to your strengths and providing your prospects and customers with exactly what they are looking for.

Making Email Marketing Work for You

The bottom line is that the benefits of email marketing far outweigh the disadvantages. It’s all about learning how to run your own campaigns in the right way, and for maximum success there will be some trial and error as you traverse that path. By not utilizing email campaigns you’re missing out on a huge opportunity to help your business become more efficient and more profitable.

What Software Should I Use to Create My CD or DVD Artwork?

After recording your album, having it mastered and pressed, you head over to your disc duplication facility’s website to place your order. Reading up on the ordering process you notice that you have the option to have artwork printed on the disc face, and can also have tray card and insert artwork printed. This is a great idea, as it allows you to give your project a more professional look and feel. You can either hire a print designer, who will hopefully already know all of the proceeding information. Or you can have a go at it yourself, utilizing one of the many different graphics creation programs available. If you are choosing to create your own artwork, read on.

There are many different programs out there that can be used to create print artwork. One of the more popular programs is Adobe Illustrator. Adobe Illustrator is a vector based drawing program, available for both PC and Macintosh computers. You could also use, CorelDRAW, Paint Shop Pro, or even Adobe Photoshop. I will go into a little bit more detail about what the differences are between some of these programs later on in this article, and why some of them are better suited for print design. Here is a list of 3 terms you should be familiar with before starting your artwork project.

1. Raster Graphics

Raster graphics are also known as bitmap graphics. This form of graphics image is a data file or structure representing a generally rectangular grid of pixels, or blocks of color, on a computer monitor, or other display device. Think of a raster images as a checkers board, with each square (pixel) on the board displaying a different color. This collection of colored dots (pixels), in turn form the full picture. The quality of a raster image is determined by the total number of pixels (resolution), and the amount of information in each pixel. Raster graphics are practical for photographs and photo-realistic images because of the way that they display images. Pretty much all photos you will find on the internet, and all photos you take with your digital camera will be raster images. You may want to use photographs for your CD or DVD’s artwork, but you must mind a few certain things:

A. DPI –
I will go into this a bit further in the “DPI” section of this article. In a nutshell, any photograph that you would like to use for print must be 300 DPI (dots per inch) or higher. DPI refers to the density of pixel information in a photograph.

B. Color Mode –
There are two basic modes of color: RGB and CMYK. All you need to know really is that all print artwork must be created as a CMYK document, as this refers to the colors of ink that a printer uses to recreate your artwork. If you create your artwork as an RGB document, the printed document will most likely shift in color. For more info on this, please refer to my last article. What do you need to start a CD duplication project?

2. Vector Graphics

Also known as geometric modeling, this form of graphic uses geometrical primitives such as points, curves, and lines to represent images. Instead of displaying blocks of color to represent a photo vector images rely on set points to determine the outline of an object, using mathematical formulas to determine the curve of the lines between said set points. Vector graphics are ideal for simple or composite drawings that do not need to achieve photo-realism. I suggest that you used vector objects for all of your artwork’s areas that are not photos.

3. DPI

Dots per inch, (DPI) is the number of individual dots of ink a printer can produce within a one-inch space. This translates as, the higher the DPI, the sharper the image. Although, most commercial printers will tell you that anything over 300DPI would be considered “print-quality”. I recommend that you make sure that your artwork is at least 300DPI, with 600DPI being the optimal setting for your artwork.

After all this technical mumbo-jumbo, you’re probably scratching your head, still unsure of what program to use to create your artwork. The truth is you can use pretty much any graphics program to create your artwork, providing that you correctly set the DPI and color mode of your document. Personally, I usually use a combination of Adobe Photoshop & Illustrator to do all of my print artwork. I edit all bitmap images in Photoshop and create all of my vector content in Illustrator, combining the two in Illustrator. My advice is now that you have the basic background knowledge, experiment to figure out what works best for you!

Teenage Weight Loss – How Teenagers Can Safely Lose Weight

Teenagers with body mass measures between 25 and 30 require immediate medical attention. The internal stress caused from so much weight almost guarantees the premature development of medical problems such as diabetes, heart disease, cancers, and stroke.

There's no question that aggressive weight loss methods are necessary and these teenagers need to be followed by medical experts for years to come. But what about teenagers with body mass measures just below 25? Is it safe for this group of overweight and mildly obese teenagers to lose weight?

The verdict is still out – the weight loss community continues to wait for more evidence supporting aggressive weight loss methods for overweight teens. I say while we wait, let's lose some weight.

But we do not need to be so aggressive with this group. Overweight teens need to lose weight, but in a slow, gradual process. Lasting weight loss and the development of positive habits should replace the push for immediate weight loss in adolescents with body mass measures between 22 and 25.

The there's the teenager wanting to lose weight for purely cosmetic reasons. How do we approach this fragile situation as parents and professionals? We can not just say no to her for fear she might turn to unhealthy means to lose weight. But we can not just give him a green light and say go for it, either.

The rest of this article focuses on the cosmetic teenage weight loss dilemma. The best thing I can do is at least provide some ground rules for teenagers with body mass indices less than 22 who insist on losing weight.

Cosmetic Teenage Weight Loss – The Ground Rules

Here's a simple, straight forward list of ground rules for teenagers wanting to lose weight for cosmetic reasons:

  1. Losing weight with a body mass index less than 19 is not recommended and might even be harmful. Things like eating disorders, endocrine abnormalities, stunted growth, and anorexia are all well documented consequences from unnecessary teenage weight loss.
  2. Teenagers with body mass measures between 20 and 22, can lose 5 to 10 pounds in a safe and effective manner.
  3. The primary mechanism for teenage weight loss is always the "burning" of excess calories through increased physical activity. A combination of aerobic exercises and resistance training works fast and produces the best results.
  4. Teenage weight loss by restricting calories should be kept to a minimum. A slow, gradual, and controlled restriction of calories is key. I recommend starting with a 5% reduction of calories from baseline for two weeks. This is followed by a 10% reduction for one week and then a 15% reduction (if necessary) for one week.
  5. Dedication to a consistent exercise program typically produces the weight loss desired without any changes to the caloric intake. A more natural way to reduce calories comes from eating a more balanced and nutritious diet, including more servings of fruits and vegetables.
  6. Emphasizing consistent exercise and a nutritious diet is often all that is needed for a teenager to drop some weight, firm and tone muscle, and achieve her "cosmetic" goals.

For the actual steps to safe and effective teenage weight loss, additional information on resistance training, and guidelines for restricting calories, use this link …

Teenage Weight Loss Plan

To Healthy Living!

Michael A. Smith, MD

Chief Medical Consultant

Diet Basics Website