Channeling Steve Jobs How To Manifest Your Ideas Be Innovative And Unleash Your Creativity The Steve Jobs Way

November 23rd, 2015 by admin
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With so many successful entrepreneurs to look to for inspiration, why Steve Jobs? Whether you are interested in technology or not, one can’t help but aspire to the determined focus, the unique creativity and the artisan craftsmanship that Steve Jobs possessed while relentlessly pursuing his mission in life.

Steve Jobs is still as relevant today as he was in the 1970s. His groundbreaking inventions, such as the iPhone, have had a profound impact on society.

Steve Jobs ran his business with a different philosophy than other businesses. He took risks, although they were calculated. He gave people what they wanted before they knew that they wanted it. It is this sort of visionary entrepreneurship that every career driven businessman and businesswoman envy.

While a smart man may learn from his own experiences, a truly wise man first learns from the experiences of others. As you get an up close look at Steve Jobs throughout the course of this book entitled Channeling Steve Jobs written by author Omar Johnson, you will learn from all of his successes and his failures. You will learn what drove him to success and what picked him up when he was low. You will also learn how you, too, can channel your inner Steve Jobs and carve out your own path of innovation and creativity while making your ideas come alive.

By gaining a better understanding of what influenced Steve Jobs, what drove him, and how he managed to accomplish everything that he achieved, we can be one step closer to channeling our inner Steve Jobs. Get ready to unlock your inner entrepreneur as one of history’s greatest innovators shows us how to unleash our inner creativity and make our ideas come to life – the Steve Jobs way.

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My Father the untouched soul Love your father very much because his life is your coming future after you getting marriage.

August 17th, 2015 by admin
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My father is an ideal person of my life. He is my real hero and my best friend ever. He always helps me a lot in my any difficulty. He is an internet marketing manager in a limited company in New Delhi. He is very famous person in his office as well as in the society because of his gentleness and politeness. He is very intelligent man and always helps others in their problems. He is the boss of my family and gives advice and instruction to every family member. He solves problems of the neighbours. He takes me to school on every PTM and discusses my performance….more info




Debt Consolidation Combine All Your Debts in One

May 18th, 2015 by admin

Debt Consolidation – Combine All Your Debts in One
It is not unusual to be overwhelmed by huge amounts of money, especially when they are debts, and even more when they are your debts. It is difficult in the midst of all the uncertainty connected with the financial state at the moment, to continue making regular payments and to clear all financial debts. If you are an individual that has more than ten thousand dollars in debt, why not consider personal loans for debt consolidation? A debt consolidation loan may be helpful to manage your debt. There are a good number of excellent credit card debt reduction loans available. Debt consolidation loans can be suitable if you are a person who has any form of unsecured debt that amounts to more than ten thousand dollars. This may involve any form of unsecured debt, such as credit card debt reduction. There are a number of loans that can help you consolidate your loans in a better way, and relieve your debts.

Personal loans for debt consolidation involve an individual paying off any debts he has incurred by the money he has got from the personal loan. The debt consolidation loans can be used to pay off any debt owed in such things as car loan payments, credit card debt reduction, banks for private loans, health care companies and others such forms of loans. By taking out a debt consolidation loan, an individual struggling from a number of loans from numerous creditors can consolidate or combine their debts into just one. So the individual has just one loan left to pay off, the personal loans for debt consolidation which will entail only one monthly payment as opposed to monthly payments to several creditors. Applying for a debt consolidation loans can be difficult for some, and easy for some. Depends on what collateral one has to put up to get the loan approved. This will include a home, or an expensive car or such items of value. If you can not put up any collateral, personal loans for debt consolidation may not work out.

However, if you have enough assets to put up collateral to secure your loan, it can be a very smart thing to do in many cases. There are some examples where the loan taken out to consolidate will have a more attractive rate of interest than the interest on the previous debts. This will make the monthly payments lower, which can be a blessing. Also, the calls that repeatedly ring in at home from creditors asking for their money back will stop. In addition, consolidating will work with all forms of debt, regardless of whether it is secured or unsecured. This is an advantage over other methods of debt management, such as debt settlement. There are various ways to go about taking a loan for consolidating your debt. It is possible to do this on your own, or else you can contact an agency. Companies are better at the job. They are familiar with it; they can get lower interest rates for the loans. It will also ease your stress to a greater degree. gives information like, credit card debt consolidation, unsecured debt consolidation loans, personal financial budgeting, Budgeting Tips, Financial Advisor, credit card debt relief, loan debt consolidation, settlement and reduction info at financial culture.

Use Inactive Credit Cards to Improve your Credit

May 12th, 2015 by admin

In this country, you basically are what your individual credit score says you are. However, in
other countries, an individual credit rating does not exist, and credit worthiness would only be
taken into account for larger corporations. A credit score can be thought of as a sort of score
sheet. Your entire financial history (money owed, payment history, etc.) is all part of your score
sheet. Every payment you make (or miss) will become a permanent part of your credit rating.
That should give everyone a better knowledge of a credit score’s importance, so now let’s
concentrate on how to help it a bit.

Keep Unused Credit Cards Active

Many people will instruct you to always close credit card accounts that you no longer use.
This advice has been echoed by the credit industry for many years now, and it certainly has
its merit. Doing this can reduce the risk of credit card theft or even identity theft. However,
closing an unused credit card will not help your credit, and may actually hurt it. Closing
down these accounts can affect your balance vs. available credit ratio, and directly impact the
amount of credit a lender will offer to you. Closing these accounts will also take a valuable
piece of credit history off of your record.

The more credit history you have, the more apt a lender is to consider you. If you are
planning to apply for a larger loan in the near future, do not close any inactive accounts, and
also do not open any new lines of credit at that time. If your credit history is a tad on the
short side, then opening a line of credit will ultimately decrease your credit score because
you haven’t proven your worth in the eyes of the lender. Your overall score will take into
account the average of all your balances, which will go a bit lower upon opening a new
account. Keep in mind that if you already have a fairly high credit score, closing an unused
account will have a minimal effect. If that piece of mind is worth it to you, then by all means,
go for it.

Nicolas ‘Yogi’ Muller | www

Nicolas ‘Yogi’ Muller |

Shelf Corps Instant Credit and Your Investments

May 6th, 2015 by admin

Most businesses or aspiring business people know the value of financing. The idea of getting instant capital is very appealing. Ask any hard money lender and he/she will show you 101 deals that ‘just’ lack financing to take them to the promise land! Most of these deals/plans will never get any type of capital, atleast not from the them.

Your own cash lines of credit from say business credit is almost always a better option than a hard money loan.

Most businesses will NOT fail in the first couple of years because of lack of financing if they had enough capital to fall back on. Plus a small business can grow if they have the adequate financing to grab any opportunity that comes its way.

These are just some of the reasons people/businesses pay for Shelf Corps.

Enter the world of Shelf Corps:

Please do this….

In your yahoo search engine search for ‘Shelf Corps with credit’ or ‘Shelf corps for sale’. Most likely you would have a nice website selling Shelf Corps.

‘Obtain up to $500K in funding’

‘Is your business looking for a jump start?’

‘We are a premier corp-funding experts….’

These are just some of the words used and I have no reason to doubt them. They sell shelf-corps and maybe are even good at it. People buy from them because, as I said before, financing is always in demand.


Than you can actually use the credit for your investing needs or you can SELL the corporation just like the people from that website. Shelf – Corps are not much different than establishing business credit and than taking further steps. To sell such a corp means that you have every corporate paperwork in order so you can transfer ownership when the time comes.

Say you establish 2 corps, build credit, do everything correct. One corp you can use to invest in whatever you see fit (like an income producing investment or business) and the other corp you can sell. Trust me, when an intelligent person sees you using financing to invest they will wonder how you did it. Even if you do not invest just the fact that you have so much capital at your disposal will be enough to make anyone a believer. As I said earlier, in this economy everyone is looking for some type of capital. Providing adequate credit in the form of a Shelf Corp is something people will pay for. The amazing thing is that almost anyone can make a Shelf Corp with little money.

In fact you can even act in the capacity of a hard money lender as long as the numbers make sense.

It constantly amazes me how debt has become a four letter word. Maybe that is good thing because than people like me will always have an edge. I never use debt for DVD players and digital cameras. Those come from free and clear cash………of course that cash come from using leverage/debt intelligently.


Is Your Credit Card Debt Killing You Slowly

May 6th, 2015 by admin

Does the stress and strain of trying to make ends meet month after month continue to worsen? And if you’re behind, you know how the constant collection of letters and phone calls can really get you down. If you enjoy this type of abuse then read no farther. If you’re ready to do something about it, the information is here.

What you need to get out of credit card debt depends a lot on how large your actual pile of bills are in relation to your income. If it is still manageable, the plan below is perfect to use as a roadmap to get out of credit card hell.

If you have any or all of these telltale signs

1. Borrowing from one credit card to pay another
2. Always pay minimums on your bills
3. Late payments are becoming more frequent
4. Automatically accepting any credit card offer to increase your credit availability

You may be on the credit card companies fast train to consumer finance Hell. The financial institutions were successful a couple of years back in limiting your ability to use even bankruptcy to get a fresh start. Add to this their ability to change credit terms whenever they want, and you can find yourself without options chained to purchases long forgotten but still owed on.

If you want to take back control from the creditors and credit card companies, you really need to get our free report on how to deal with this situation.

Don’t allow yourself to continue to sink into debt as the number of options available will continue to shrink until only the worst possible financial scenarios are left. This is why it’s important that if you find yourself heading for serious debt problems that you take control of the situation now

Buying stuff on a credit card is the absolute worst way of getting the product. Understand that a credit card is nothing more than a loan! You wouldn’t consider going down to the bank and applying for a loan then paying their high interest rates every month to buy a CD or iPod. But because a credit card is so convenient, it doesn’t really seem like it’s a loan. Let’s be absolutely clear that using a credit card is definitely a loan and a very expensive one at that.

Realize that any purchase made on a credit card is at the expense of future income. They are loans! Face it, credit cards may be convenient and easy-to-use, but they are also very expensive. While many of today’s credit cards as interest rates and the nine to 14% range, they’re typically designed with a variable rate structure. This means that although you may be paying 14% today, that interest-rate can and will go up sometime in the future. So even if you suspect that you’re carrying too large a credit card debt, think what could happen if overnight the interest-rates go up an additional two to 4% or even more!

The way to get out of credit card debt is to start with a plastic-ectomy. Simply cut up all your credit cards except one to save for emergencies only. An emergency by the way is not a deal on sporting event tickets or a sale at the mall. By removing the ability to add to your debt, you’ve taken the first step in becoming free from all of it.

Abigail Franks has researched debt consolidation options and found valuable information that could help you. On this site find information about debt consolidation loans and other credit and debt options.

When is Your Credit Card Interest a Tax Deduction

May 3rd, 2015 by admin

Getting your taxes done can be a huge hassle. But while you are doing your taxes, you try to think of every kind of thing you could get a deduction on. Of course, there are several things that are tax deductible.

But you have always wondered if your credit card interest is. Can you really get something back from you taxes by paying all that interest on your taxes?

Sorry, but no. Unfortunately, unlike the interest you pay on your mortgage, your credit card interest is not tax deductible.

But there is a way you can make it tax deductible. Still, there are some risks involved.

Whether or not the risk is worth it is completely up to you. For you are the one who knows your circumstances. If you really want your credit card interest to be tax deductible, here is what you do.

Refinance Your Home

Sound absurd? If you are doing it just to get a tax deduction on your credit card interest, it probably is.

Getting a tax deduction on such a thing would be a small reward with high risk. If it is that important to you though, refinancing your home can make your credit card interest tax deductible, in a way. It is possible for you to refinance your home and transfer the balance on your credit card to your home loan.

That way, you have basically paid off your credit card and do not have to pay interest on it anymore. Now, instead, you have more interest to pay on your home loan, or your mortgage. That kind of interest is in fact tax deductible.

By transferring your credit card balance to your home equity line of credit, you turn the money you owe on your credit card into money that you owe on your home. You will then pay interest only on your mortgage, and that, in fact, is tax deductible.


You could lose your home. That sounds a little dramatic, but the chances that you could lose your home increase if you transfer your credit card balance to your home equity line of credit.

Not necessarily just because you refinanced it to get your credit card balance transferred, but because it may take longer for you to pay off your home loan. Because it would take you longer and make your balance bigger, it may be difficult to make monthly payments in full and on time.

In my opinion, refinancing your home to get a tax deduction is definitely not the wisest thing to do. Better chances of keeping your home is way more important than getting money back from the interest you paid on your credit card. To me, the risk is just too big to take.

Having a home loan is enough of a hassle and takes long enough to pay off as it is. If you extend that by refinancing, it increases the risk that you will get your house repossessed. The whole question is, ‘Is a tax deduction worth that kind of risk?’

Court points people to trustworthy credit card offers and helps people get the best results from their internet marketing strategies.

About Your Fico Score

April 30th, 2015 by admin

About Your FICO Score

Your FICO score is the number which determines your ability to pay back an amount of money in a loan without risk of default. This score is calculated using several different factors which all have a large impact on your credit. The faster you learn what these areas are, the more help you will have on improving any negative marks on your credit report and score.

The FICO score is actually an acronym for Fair Isaac Co and is used not just by banks and lenders, but also by landlords and even potential employers. The outcome of your credit score can and will affect your chances of getting a car, insurance, job, home and more which in turn will affect what your required down payment amount will be along with interest rates charged as well as the need for more information on you such as income statements and verification.

Your FICO score is based on the data derived from five different areas in your financial records. These areas are your payment history, types of credit used, length of time you have been paying off revolving debts, the amounts you owe, and any new lines of credit which you have currently applied for or opened.

Even though credit scores are widely used, there are three consumer credit reporting companies currently available to provide consumers with their FICO credit scores. Experian, Equifax and TransUnion all provide the credit scores using numbers which appear as very different from the other, but they all base their data on the same information about the individual being reported on. There are three different scoring methods that the credit reporting companies use in order to determine a fair number which are based on the needs for auto loans, mortgage loans, and consumer loans.

Credit scores can provide much needed information about an individual in order to expedite many processes which would normally take a lot longer to check into when considering loans, insurance, employment and more. FICO scores may be low for many individuals at times, but the good thing about your credit score is that they can always be improved over time through proper usage and regular monitoring of your credit.

S. Michael Windsor is currently publisher and a writer for My FICO Network. The MCN Online FICO Credit Score Guide is a premier FICO score and credit report information platform that provides individuals with a quality in-depth look at credit scores and reports and the associated products, services and information available today. Visit us today at and subscribe to our FREE services.

Educating Your Teens on the Importance of Avoiding Unnecessary Credit Card and Loan Debt

April 30th, 2015 by admin

In today’s economy, more and more parents are aware of the burden that debt can place on a person. Unfortunately, credit card companies are now targeting teens and college students and luring young adults into the credit card trap. It is imporant that teens understand how much debt can impact them later in life and parents will do well to begin to educate their teens about financial responsibility early.

Student Loan Debt

It can be very tempting to take a great deal of student loan debt while in school. The money from student loans can be used for many things other than tuition and books. Since it rarely goes directly to the school, young adult students can be tempted to use student loan money for things like laptops, electronics and other things they may or may not need as part of their educational venture.

However, students loans are exactly that – loans. And they will need to be paid back eventually. Although the qualifications to get a student loan can be quite easy, in today’s job market, the ability to make large student loan payments is not guaranteed. Many new college graduates are finding it difficult to find employment and are now faced with payments for their student loans that they cannot make. 

Inability to pay student loans not only effects credit negatively, but can be a burden that follows a student for decades to come. Unlike other debts, student loans cannot be eliminated, even in bankruptcy. Before taking on student loan debt, young people should think carefully about the consequences and their potential ability to pay it back.

Credit Card Debt

One of the largest criticisms of the credit card industry is their tendency to target young adults attending college. Often, young adults do not have much experience with managing their money and do not see credit card debt as real money they have to pay back. This can be very dangerous financially.

Negative credit from irresponsible credit card debt when they were a teen can make it hard for your son or daughter to get a job. Not only that, insurance companies and many other businesses now frequently use credit reports as a method of determining whether or not to accept a person’s business and what rates to charge them for services.

Credit card and student loan debt is a serious responsibility for any young person. It is important to educate your teens about the possible consequences of taking on unnecessary debt, no matter how old they are in life. High amounts of debt can be detrimental to future accomplishments and be a problem for years to come.

Julia Myers is a writer who enjoys sharing her knowledge and advice with readers.  For more on debt, Getting Your Financial Ducks in a Row offers readers information on helping your children escape loan debt.

Vital Credit Card Processing Charges Your Small business Demands to Know

April 30th, 2015 by admin

In this kind of account, any card info will not be stored in cellular phones seeing that it performs as a card terminal and getting transmitted to a secured payment processor. Right following the payment has been manufactured, no card information will be retrieved from your telephone.

Most organizations manage credit card payments. The credit card processing costs range. Ecommerce credit card processing charges are compensated from the merchant to the bank and to the gateway. There is a framework that is followed for each the financial institution and the gateway. There are one time charges, recurring monthly costs and transactions fee for the two gateway and the cash sent to the merchant’s account. In purchase to conserve income on these charges a lot of small business decide to bundle them. One particular time charges could involve set up charges and or application charges. The recurring fixed month to month costs are your simple operation prices for the services you have. For illustration, a gateway organization fees commonly involve transaction reviews and payment cancellations. Your financial institution may well cost a monthly statement price for servicing reviews. The future variety of payment you will encounter is the recurring variable month to month fees. This is the % that the credit card businesses cost to you for their companies. Checking rates on line and executing your exploration will assist you to estimate what your service fees could possibly be.

Corporations will encounter charges for their card transactions. If your customers are buying your merchandise and services on the internet, using cellular credit score card processing, or over the cellular phone, service fees will even now apply to you. You will want to avoid having to pay heavy costs by carrying out some comparison buying. Start off with your present-day financial institution and locate out what all the costs are for opening a merchant’s account. From that data go online and lookup for less expensive charges at other banks. Gateways require to be shopped for as well. Come across out about any specific packages that they offer, and if they will waive the set up charge for you. Sometimes they will be able to waive it or present you a low cost if you indication on with them.

With the details you have gathered you will be able to overview special discounts, how the fee structures do the job and you will be in a position to decide wherever you can conserve the most cash. Everyone would like your enterprise and they might be willing to function with you, be confident to ask concerns. Your achievements will come about sooner when you request problems and compare characteristics with prices.

Just about all buyers do not carry cash anymore when they go to shopping malls and other retailers. Because know-how is advancing each day, the demands of the men and women are also advancing. With this, you definitely have to be held up-to-date about what’s new in the marketplace this kind of as the use of cellular phones in card processing. There is almost nothing to worry when you method to use a cellular home business because cellular merchant accounts could give you the most up-to-date process of credit score card payments with a reduced retail price. Regardless of whether you are a taxi driver, electrician, healthcare practitioner or an workplace worker, mobile credit card processing is really possible.

The greatest credit score card processing site on the World wide web credit card processor