No Credit? Here Are Easy Ways You Can Build Credit

Are you someone who has not established credit yet? Are you denied the same access to credit cards, loans and other credit ways simply because your credit score is too low from not having enough credit or no credit at all. Do not fret, because help is on the way!

If you are planning on getting a personal loan, owning a car, having a home of your own, working in a bank or finally acquiring the furniture you've been longing for a long time then establishing a credit is the answer.

Here are a few ways you can start building up your credit report and get on the road to good credit!

– Start to apply for a guaranteed approval credit card that reports to the credit bureaus. Take your time and always read the fine print in order for you to find the best deal for yourself. These cards are similar to debit cards but they have the Visa or Mastercard logo on them and they report to the credit bureaus.

– Another option might be to check if the lending institution of your choice has a secured credit card being offered. The interest may be higher but you may be able to upgrade to an unsecured card within 12 months if you maintain your payments on time.

– Another type of credit card with easy approval requirements is the merchandise credit cards and department store credit cards. These are an excellent source to start to establish a line of credit. Make sure it's a store where you can purchase a lot of your shopping needs. This way, you do not need to apply for a multiple cards at once which can be seen as a negative on your credit report. One word of caution. Department store credit cards tend to have high interest rates, many of their interest rates start at 15%. So keep an eye on your balance and try to pay as much as you can each month. NEVER make just the minimum payment, especially on a department store credit card.

– Do not forget to fill up any application for a loan or credit card completely. If something does not apply put N / A on that line. Including your checking and savings accounts and any accounts you pay for on a monthly basis even if they do not appear on your credit report. If they do not appear on your credit report, please make sure you include a way for your prospective lender to contact them for a trade reference.

If you are thinking about applying for a car loan, it's good to do research on the dealership or car lot where you want to make the purchase. Most dealers will provide a source of financing. Some may carry their own loan and payment plans. Be on the lookout though and read contract carefully if you do not want to get stuck with an interest rate that is through the roof. This venture is where a good cosigner may come into play.

Use these tips to help jumpstart your credit history and get approved for the credit that you deserve!

Copyright (c) 2006 Liz Roberts

PayPal IPN – Creating Listener Code to Process IPN Messages

You have finally decided IPN is the solution to your website application. You do not want to pay someone else to do it. It can not be that hard, can it? Where can you get some practical advice from people who have been there, done that. This article will answer these questions and help you decide if you are able to write that code. If you find it too complicated there are a few commercial products out there that will handle everything for you so do not lose heart if you find yourself stuck.

PayPal IPN

Instant Payment Notification is better known as PayPal IPN and is PayPal's interface for handling real time confirmation of purchases. A typical use for IPN is where you want to use the software to download.

PayPal provide 3 different types of account. Personal, Premier and Business. You will need Premier or Business to use IPN.

Listener

PayPal IPN messages are not synchronized with actions on your website. You detect IPN messages from PayPal with a piece of code known as a listener.

You specify the URL of your listener in your PayPal account's profile but you can override this for specific transactions when you setup a button or API operation. You can also temporarily turn off the sending of IPN messages, useful if your site is down for maintenance. They are still generated and stored until you switch sending back on again.

You must perform a number of checks on the IPN message received from PayPal.

  • Check the email address to make sure it is yours
  • Check that you have not already processed the transaction identified by the transaction ID
  • Make sure that the transaction's payment status is "completed"
  • Verify that the payment amount actually matches what you intend to charge

PayPal Sandbox

When you are developing your website you really do not want to be trying to get it working by experimenting on a real money system. Any early bugs in the system could leave security holes but even if you write perfect code it is best not to do your testing using real money.

PayPal provides what they call a sandbox, almost identical to the live PayPal system. You can setup fake customers with fake money and make as many test purchases as you want. The perfect system to fully test your web application.

There is a Sandbox Forum on the developer network. It's a great place for advice.

Testing your Listener

The Sandbox has an excellent IPN Simulator (under Test Tools) which lets you choose the transaction type, fill in all the parameter values ​​and send a test IPN to a specified address.

IPN History

PayPal provides an IPN history page under the My Account tab. Click on History to see it. It includes everything you want to know about each IPN message including the following Status values.

  • Sent: indicates that PayPal sent the message to your IPN listener
  • Failed: indicates that PayPal did not receive an acknowledgment to the message
  • Queued: indicates that PayPal is ready to send the message
  • Retrying: indicates that message was resent between 1 and 15 times and PayPal continues to be resend the message
  • Disabled: indicating that the message will not be resent because the merchant's account has been disabled

Conclusion

The best place to search for information is the PayPal Integration Center which has guides, code and links for everything to do with integrating your website with PayPal.

The one place you MUST visit is the PayPal IPN Forum on the developer website. As well as a constantly changing list of discussion topics about IPN, there are some good sticky posts about troubleshooting tips, IPN variables, template code etc.

PayPal IPN is a difficult subject but the combination of an excellent testing environment in the form of the sandbox and the good quality advice provided through the forums should make it possible for you to get your website application up and running.

How to Make Your Wedding Stand Out With Wedding Favors

Why do you want your wedding to be unique? It is obvious almost every one who is getting married desires every one to have a great time and remember that special day. What is going to make your wedding day any different from your sisters or cousins ​​wedding. I will tell you what will make a guest remember your wedding. It is the guests, food and the decor you have at your reception.

Wedding Favors can add a special touch to your wedding day decor. They make very memorable keepsakes of your special day and are great for memories. Here is a list of some really nice party favors that you can have at your wedding.

Bride and Groom Favors Boxes

Whimsical but still proudly displaying a dash of formality, these bride and groom favor boxes double as place card holders and are a charming little touch to any place setting.

Love Glass Coaster Favors

Love spells sophistication. These frosted glass coasters make elegant and useful guest favors, ones that your guests will truly appreciate and use for years to come. Most retailers will offer you free personalized tags if you order 24 or more. Show your guests some love.

Photo Frosted Glass Coasters

These gorgeous frosted glass frame coasters will protect your memories forever. Crafted of heavy high quality frosted glass, each coaster features four padded "feet" to protect surfaces. Present your guests with these lovely gifts in any number of ways: framing a photo of the happy couple, used as a place card holder, inserted with a personalized tag of your name and wedding date, or simply displaying it with the beautiful Thank You tag that comes with the favor. Just add a your best picture and it makes an instant keepsake.

Something Blue Gift Boxed Candle Favor

Here is a new take on a time-honored custom. If you already have something old, something new, and something borrowed, but you are missing something blue, then this is the party favor for you. This miniature blue candle gives off a heavenly scent and is detailed with striking white flooring, ending in a bow atop the candle. This party favor makes a great addition to any wedding.

Well these are just a few of the many different types of party favors that you can use to make your wedding more unique. So just browse around the many retailers and we are sure that you will find the perfect favors for your wedding.

SEO Consulting For Big Brand Companies – 16 Guidelines For SEO Consultants to Beat the Competition

While the basic principles of SEO strategies are the same for most websites, there are certain techniques and strategies on which SEO consultants need to emphasize more when optimizing big brand web sites. An SEO consultant when selecting between different SEO services for big brand websites should apply strict planning and proven strategies that must be tailored to the specific needs of every web site.

1 – Establish your Authority:

Big brand web sites must establish their expertise in the field they are serving. Authority is recognized by both human visitors and search engine spiders by proving that their websites are the source of valuable information in their fields. Big brand websites must contain many pages dedicated primarily to providing useful knowledge to their clients. It can be in the form of a glossary of terms, frequently asked questions or tips and advices to their customers. The content of these pages must be of high quality and perfectly optimized for different keywords.

2 – Create semantic theming and siloing:

It is vital to create semantic branding for big brand websites by rearranging their pages and their internal link structure to represent clear categories that can be easily recognizable by both human visitors and search engine spiders.

An SEO consultant should divide the pages of the website into categories or groups. Each category must contain pages with closely related subjects and keywords. For each category there should be an index page where all the other pages of the same category will link to and the category index page will link back to them. Each category index page must have at least 5 – 10 pages from the same category pointing links to it with different relevant keywords as anchor text for these links.

Each category index page will link to the home page and the home page will link back to this category index page. You can create cross links between pages of the same category, but not between pages of different categories.

This type of internal link arrangement will increase the topical relevancy of every page and improve its search engine rankings.

3 – Review and clean out pages that are off topic:

After establishing the theming structure of the website, review every page and rewrite it removing all information that is not related to the specific topic or category where this page belongs to.

4 – Number of indexed pages and content:

SEO Consultants should match the amount of indexed pages and their content in big brand web sites to the amount of indexed pages and their content in the competitor's websites. If the pages of the competitor's websites have 500 words each, you should not have only 100 words in each of your pages. Your competitor's websites will look more authoritative.

5 – On-page optimization:

Proper on-page optimization will put the most relevant keywords where the search engine spiders go looking. Use long-tailed keywords as frequently as possible in the different pages according to the semantic theming of the website.

6 – Rewrite title tags and description metatags:

Big brand websites with thousands of pages typically have many duplicate title tags and description metatags. Rewrite unique title tag and description metatags for every page using keywords relevant to every page to enforce the new theming design of the whole website.

7 – Improve HTML Code:

Over years and with many configurations and additions, the big brand websites typically accumulate a lot of bad HTML coding. Clean up the code and make all links absolute as this gives the pages more relevancies when visited by search engine spiders.

8. Add footer links:

Using links in the footer of the pages is an effective method to strengthen the anchor text for the main pages and enhance the themic structure of the whole website.

9. Finish on-page optimization before starting off-page optimization:

Do not attempt to do any off page search engine optimization before you finish on-page optimization to a reasonable level. First fix the content and internal linking structure as much as you can. It does not make any sense to get more potential customers or search engine spiders visiting a big website which is completely messed up.

10 – Build high quality back links:

One of the biggest challenges to any SEO consultant is to acquire high quality back links from respectable sites. SEO consultants must avoid buying links that will lose its value over time. They should concentrate most of their energy on getting such links from relevant websites and ask for anchor text relevant to their subjects.

11 – Combine organic SEO campaign with PPC:

Combine organic SEO campaign with different forms of paid advertising like paid placement, contextual advertising, and paid inclusion in different search engines.

12 – Implement a fully optimized blog on the web sites:

Big brand websites need at least one blog to engage its customers more in their news and events and to drive more relevant links to the pages of the main website. Many big brand companies have more than 5 well maintained blogs.

Continuously add new content to the blog to increase spider activity which will spread to the whole site. It will also attract a steady stream of readers and potential customers.

13 – Social media marketing (SMM):

An SEO consultant providing SEO services to a big brand company must establish a strong presence of this brand name in different social media sites like Twitter, Facebook and LinkedIn. He should also encourage sales and marketing personnel to get involved in the discussions around their brand, products and services.

14 – Reputation management:

SEO Consultants should consistently monitor the brand reputation on the internet to take quick actions so that they can resolve any problems stated by customers in any website. There are different software programs available to enable companies to monitor and track any indication of their brand on the internet.

15. Publish highly optimized press releases:

Big brand companies should regularly publish highly optimized press releases about different activities, events, new products or services. This will emphasize their authority and enhance visibility.

16 – Monitor and track your progress:

SEO consultants must have a set of tools to allow them to monitor and track their progress in the different aspects of their SEO campaign and to detect every possible change in the progress of their search engine optimization planes. Start by establishing a base line to know where you are concerned ranking, link popularity, convergence rates and other metrics.

Creating an aggressive search engine marketing (SEM) campaign for a big brand website with tens of thousands of pages typically needs a meticulous SEO plan that takes all search engine optimization problems into consideration. An SEO consultant should continually interpret and evaluate the results to adjust his strategies accordingly.