Oct
31
An In Depth Look at the Citi Dividend Platinum Select Visa Card for College Students
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Reviewing the major student credit cards, it is easy to see that most are designed to maximize profit from interest and fees charged to the students. The Citi® Dividend Platinum Select® Visa Card for College Students looks to prove friendlier to the college students who use it. Yes, credit cards can be easy to get in trouble with if abused, but when used responsibly, they can really be an asset in the personal finance department.
Does This Credit Card Go Above and Beyond?
The Citi® Dividend Platinum Select® Visa Card for College Students holds its own in several categories. First and foremost, this credit card is known for being relatively easy going when it comes to approving college students. It requires no minimum income and no cosigner, eliminating the hurdles faced by many students.
Reasonable cash back rewards are extended on all purchases, from 1% across the board to all the way up to 5% for supermarket, gas station, convenience store, and utility purchases. Unfortunately, this higher amount is bumped down to 2% after the first 6 months of having this card.
Citi® Dividend Platinum Select® Visa Card for College Students is respectable when it comes to not charging a hefty annual fee. In fact, this card charges no annual fee at all, which used to be practically unheard of for student category credit cards.
What Does the Interest Rate Look Like for this Student Credit Card?
The interest rates are not too bad for the Citi® Dividend Platinum Select® Visa Card for College Students. For regular purchases charged to the card, the rate is right in line with most student credit cards, albeit quite high when compared to premium platinum cards often extended to those with higher incomes and excellent credit ratings.
This card shines the most when using it to transfer balances from higher balance credit cards, offering a zero percent six month introductory rate on the transfers and also having no balance transfer fee. Needless to say, the best regular platinum cards offer all the way up to 15 months with no interest. However, for a student card, 6 months suffices.
For the most responsible of the crowd, the 6 months interest free period on purchases might be a pertinent benefit. But for many college students, this only ends up being a trap. The 6 months goes by fast and any balances remaining at that time will be subject to high interest finance charges.
How Does This Credit Card Fare in the Long Run?
Undeniably, the Citi® Dividend Platinum Select® Visa Card for College Students does have several beneficial features. If the options are limited, this might be a reasonable credit card choice for college students. Otherwise, there are probably better choices out there for the financially savvy, offering even better rewards programs and benefits for those that make charges on a regular basis.Fill out secure student credit card applications online today and start saving. Also click for more gas credit cards and reward credit cards.
Oct
31
Is Your Internet Advertising Spending Hitting The $2 Trillion Per Year Mom Crowd
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Are you targeting some of your marketing to the “mom blog” crowd? You should be. According to Stephanie Thompson of Advertising Age, “The creation of web blogs that cater specifically to moms has opened up a new avenue for advertisers to reach the demographic, which spends more than $2 trillion per year. There are more than 1,600 mother/family blogs, according to blog aggregator BlogHer.”
Thompson says, “It`s a boom time for blogs and similar websites catering to the shopping, networking and shoulder-crying needs of the big-spending modern mom.” That spells great news for you if you are a business or individual that sells products or services to the blogging mommy crowd. As luck would have it for you, new moms are always eager to learn new shopping tips and tricks and product reviews for baby.
“The blog world is [ripe] to be targeted”, says Liz Gumbinner co-founder of Cool Mom Picks. So much so that she writes a blog that reviews baby items. Gumbinner claims her blog receives 1,200 unique visitors each day.
So in order to reach the mommy crowd, what must you do. There are a variety of outlets to get your product out there, but some people are coming up with more creative ways of doing it. Mommy Track`d founder and CEO Amy Keroes said, “”Our ad offerings are more customized, and more interactive.” She continues, “we had a recent promotion with Netflix that tied a giveaway of a year`s subscription to the service to an article on our site about “Sherrybaby” director Laurie Collyer just as the film was being released on DVD.”
According to Thompson, “Lolita Carrico, founder of the blog Modern Mom, is beginning to offer big numbers. She launched the site, which is aimed at helping moms balance their busy lives, two years ago. Today, she gets 500,000 unique visitors a month, and has more than 100,000 subscribers to her newsletter. In addition [she] plans to develop other Modern Mom media offline, including testing a concept of Modern Mom moms`-night-out clubs, Ms. Carrico has forged a relationship with nail-polish manufacturer Essie to offer a Modern Mom color (that camouflages chips far more easily than today`s hip darker colors).”
So what will your advertising revenue geared towards mom be reaching exactly? Lets go inside the numbers. According to Internet statistics, there are more than 32 million female Internet users with children under the age of 18. As for “blogHer”, there are currently more than 1,662 blogs geared toward new moms, mothers or families in general. Blogads is reporting that the average annual income of the “mommy-reader” is about $70,000. They are also showing the average age of the “mommy-reader” is 29 and that they read about 5 blogs per day.
If you provide a product or service that is geared toward the “mommy” crowd, then you need to get in front of the “mommy” reading blog crowd. With a little creative genius, and ingenuity, your product or service can be in front of thousands of eyes, ready to buy.
By: Bruce A. Tucker
About the Author:
Bruce A. Tucker is the Associate Director of Indocquent.com. Indocquent.com is an online resource that allows businesses and individuals to post their products and services for sale in 20,000 cities throughout 200 countries around the world free of charge.
Oct
31
Role Played by Divorce Counsellors
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Embittered people cannot lead a happy life. They fail as parents, and they fail as marital partners too (if they remarry). Usually, divorced people are back to their normal self a couple of years after the divorce. Unfortunately, some people experience frustration and fail to spring out of the depressive phase. These people can be univocally helped by divorce counsellors. Many people, though they are in desperate need of counselling services fail to seek help. They hold the mistaken notion that divorce counsellors are those who prevent couples from divorcing. Nothing can be farther from the truth.
Divorce Counsellors
Divorce is an occasion that pervades the atmosphere with negativity turning life into a challenging struggle for either spouse. Dreams of a happy life lie shattered and the very process of disunion, plunges people into economic and other personal hardships. Either spouse is angry with the other. In such a scenario, it is the divorce counsellor, who helps people divorce respectfully and with dignity.
Even if couples split amicably, the dormant unhappiness lies untreated and these people silently endure a grief-filled life. Divorce counsellors:
- Help people realise and deal with the emotional implications of a divorce
- Make them recognise the mistakes they committed in the past, so that such mistakes do not get repeated in future
Making post-divorce phase relatively grief-free is the motive of divorce counsellors. Their services are entirely different from marriage counsellors who work on making marital lives happy.
Difference between Divorce Counsellors and Marriage Counsellors
People often fail to differentiate between both these services and feel one is synonymous with the other. They are justified in their confusion. Divorce and marriage counsellors, both help people handle their respective problems. Their counselling sessions make people capable of resolving conflicts and develop respect for the spouse. Arguments and strife are a part of every relationship and these counsellors help couples solve their vexing issues without damaging their relationship qualitatively.
However, the similarities end here. Marriage counsellors help couples develop the passion in their relationship and to laugh and live happily together. Divorce counsellors aim at helping people live peacefully after the separation. The role they play is invaluable.
Importance of Divorce Counsellors
If people are freed of their grief they can concentrate on the immediate task at hand. They become effective parents and turn capable of teaching their children the positive manner of handling difficulty and pain in life. Further, grief entailed by divorce should be checked. If left unchecked, lingering feelings of sorrow and anger lead to disastrous consequences; suicide may be one such fallout. Usually, one of the spouses would be willing to meet a counsellor while the other opposes. This difference of opinion is due to the fact that many people associate availing counselling services to be akin to personal failure at conflict resolution. They feel their own inadequacy necessitates third-party intervention.
All people who are contemplating a divorce should solicit the services of a divorce counsellor, even if their spouse negates. The counsellor offers valuable suggestions pertaining to solving contentious divorce-related issues and solving spousal non co-operation. However, many counsellors dot the service industry. Caution should be exercised while choosing a divorce counsellor. A wrong choice could simply translate to wastage of time and money and undealt grief.
Selecting a Good Divorce Counsellor
Counselling does not mean dispensing endless advice. Divorce counsellors should be certified professionals who help distressed people solve their own problems. The advice they offer should be based on time-tested methods. They should listen attentively and seem sincere in their resolve to help.
I personally dislike counsellors, who appear too busy to spare adequate time. Confiding personal issues in an outsider is difficult. The integrity of the counsellor should be attested.
Divorce is a complicated issue and it can only be handled with professional help. People actually divorce to be happy. If they continue to remain unhappy even after divorce, the very purpose of obtaining a divorce is wasted. Divorce counsellors offer invaluable services. They give embittered divorced people the gift of peace.
James Walsh is a freelance writer and copy editor. If you want to find out more about a solicitor managed divorce see http://www.managed-divorce.co.uk
Oct
31
Printed Sticky Notes in Mailers
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Promotional printed sticky notes are a great way to get the word out about your business; particularly if your business is one that thrives on advertising frequently to bring in new customers. Businesses like real estate really need to attract new customers all the time because once a family is settled into a home, they are not likely to need the company again for quite some time.
Additionally, individuals within a single office might be in competition for the same clients in the cases of real estate offices, meaning that they need a way to advertise their own names as well as that of the office itself. Promotional sticky notes are great for this. These promotional products are relatively cheap, meaning that you can buy a large number of them to fit your needs and to pass out to potential clients. They are easy to store and transport, and they are easy to distribute.
For those whose offices are not frequently full of potential customers, flyers and mailers go out pretty regularly to help get the word out about a business, product, or service that the company or the individual offers or events that they are sponsoring or attending. Mailers like this are a perfect way to distribute printed sticky notes.
Promotional sticky notes are not tiny, but they are certainly small enough to fit into most any envelope, and they are flat enough that in most cases they should not cause you to have to pay extra postage. Weigh them to be sure, but even if you have to pay for it, an extra few cents is more than worth the benefits of distributing your promotional sticky notes to new potential customers and to old customers or clients who might need a refresher or a reminder about your business and a way to contact you for their future needs (or to pass your number along to their own friends and family).
Stuffing your mailers with promotional sticky notes gives an added heft to the letter, making potential customers more likely to open unsolicited mail. Within, they will find more than just another advertisement to match the several more that they got the same day! Instead, they will find a tasteful advertisement of your services along with a gift of some use to them. The promotional sticky notes are great for all manner of things, from taking notes by the phone to keeping track of things at the home office. Potential customers will appreciate receiving such a useful gift.
As an added benefit, the more that they use your gift, the more they will see your name and your company information in front of them. They are also likely to share your name and company information with friends inadvertently by writing notes, phone numbers, and other information for friends and family on a promotional sticky note and giving them away. Printed sticky notes are highly versatile and very useful, and can be easily distributed through the use of your regular mailers.Gareth Parkin is the co-founder of Ideasbynet, the UK’s largest online source of promotional sticky notes and printed sticky notes. He has taken the UK gift market by storm by the application of modern business thinking and the latest search engine marketing techniques. For more details visit www.ideasbynet.com
Oct
31
Buying Fine Gemstone Jewelry Online
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In addition to fine diamond jewelry, fine gemstone jewelry is as popular as ever for gift buying, special events, and the simple pleasure of adorning oneself. Gemstones also make for some amazing costume jewelry. The beauty, dazzling colors and patterns of gemstones, have intrigued people for centuries and continue to do so today.
Gemstones are also referred to as precious or semi-precious stones. They are beautiful and valuable pieces of mineral that are cut and polished for usage in fine gemstone jewelry and other such adornments.
Gemstones, used in designer jewelry, designer inspired jewelry, and other fine jewelry, are available in one of two forms, which are natural and laboratory-created (synthetic).
Hence their name, natural gemstones are found in nature, formed by the earth, without any assistance from humans. Natural gemstones such as rubies, emeralds, amethysts, and others are often used in designer gemstone bead jewelry, fine Italian jewelry, and more.
Laboratory-created or synthetic stones are developed in laboratories. Fine gemstone jewelry using synthetic stones have basically the same chemical, physical, and visual properties as natural gemstones. However, they do not have the rarity of naturally colored stones and are far less expensive than naturally mined stones. Imitation stones used in fine gemstone jewelry and designer jewelry resemble natural stones in appearance only. They may be made of glass, plastic, or less expensive stones. When purchasing fine gemstone jewelry, make sure that any laboratory-created and imitation stones are clearly identified as such.
Gemstones are commonly measured by weight, size, or both. The carat is the basic unit for weighing gemstones, and is equal to one-fifth of a gram. Carats are called points and are divided into 100 units. When fine gemstone jewelry items are measured by dimensions, the size is conveyed in millimeters.
Treatment of Gemstones
Jewelry designers often treat or enhance gemstones in order to improve both their appearance and durability, or even alter the color. Treated stones, such as in designer gemstone bead jewelry, may lessen in change over a period of time and may require special care. These enhancements also notably affect the value of a stone, as compared to an untreated or natural stone.
A reputable jewelry designer or fine jewelry store owner will inform a customer whether or not the fine gemstone jewelry they are considering has been treated, whether or not the treatment is permanent, if the stone requires special care, and how the treatment has affected the value of the gemstone.
Common treatments and their effects for gemstones include heating, which can lighten, darken, or change the color of some gems and/or improve its clarity; irradiation, which can add more color to colored diamonds, certain gemstones, and pearls; impregnating some gems with colorless oils, wax or resins that make any imperfections less visible and improves the appearance and durability; fracture filling, which hides cracks or fractures in gems by injecting colorless plastic or glass into the cracks, improving the appearance and durability; diffusion treatments, which add color to the surface of colorless gems; dyeing, which adds color and improves color uniformity; and bleaching, which lightens and whitens some gems, including fine jade jewelry and pearls.
Stephanie Martin is a veteran insider of both the Los Angeles entertainment scene and the New York City fashion industry. Stephanie’s unique background and her love of luxury jewelry have enabled her to identify and bring to Esteffe.com a collection of fine jewelry from many of the industry’s most talented designers including Kenneth Jay Lane, CC Skye, Ted Rossi, Vilaiwan, and R.J. Graziano.
Oct
31
The Advantages Of Digital Camera
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The digital camera has totally changed the way we take photographs; it has made the greatest impact in the world of photography since the Polaroid Instamatic camera. It is a great accessory to the present day computer; photographs can be taken in an instant and loaded on to the computer, and emailed to a friend or a relative in the space of a few minutes. If you add a photo quality ink jet printer to your computer, you will not need to develop a roll of film ever again.
The digital camera started out from a single 1 mega pixel quality photo; now they come in over 10 mega pixels with huge print sizes, with amazing photo quality.
You may find it tough to decide which digital camera will fulfill your needs the best. You will have to undertake a bit of research, to help you to find the best camera, with the proper lenses, filters, external flash, tripods - everything you need so that you can start taking photographs, like a professional! Just spend a little time and figure out how you will be really using your digital camera, before you purchase one. Will it be for daily use, for special occasions like birthdays, family reunions? Will the price of the digital camera make a lot of difference?
The digital camera is also part of a new field of photography, in which you use a green or a blue background, and with special software like Corel Paint or PhotoShop, you can do wonders and create a new imaginative background. You can edit out the background and put in its place any of thousands of prepared indoors or outdoors backgrounds. There are multifunctional digital cameras that can take not only photographs but also video and sound. Digital cameras can be categorized as still cameras, video cameras and professional modular digital camera.
Since the market is so full of different models of digital cameras, you have to select a digital camera that will suit your needs. They come in different price ranges, so you will not have any difficulty selecting one that will fit into your budget. Before buying a digital camera, your first consideration has to be the resolution. A digital camera with a higher resolution than what you require can prove to be a waste of money, processing power and storage. A large number of pixels do not necessarily mean a superior image, so be cautious. A lower resolution digital camera is the best for posting images to the web, to view images on your computer, or to email files. You don`t always need a high capacity memory card, a small capacity memory card can also give high quality performance.
A digital camera can use its own battery and charger, or it can use double A size batteries. A digital camera may connect to a computer for data transmission. The most usual method of connectivity is USB, but Fire wire port or Blue Tooth are also used. Some digital cameras can connect to computer networks wirelessly.
One of the good things about a digital camera is that you do not have to spend anything on developing the film at a local store, nor do you have to drive to the store and back. A digital camera gives you an instant feeling of gratification when you view the pictures you have taken on the viewfinder or on your personal computer. You also have the full freedom of editing your photographs until you are fully satisfied with them!
You can select, save or delete photographs without any cost involved. The photos are stored hundreds of media cards, so you can take as many pictures as you wish before you run out of space.
This article is under GNU FDL license and can be distributed without any previous authorization from the author. However the author’s name and all the URLs (links) mentioned in the article and biography must be kept.
This article can also be accessed in portuguese language from the Article section of page http://www.polomercantil.com.br/camera-digital.php
Roberto Sedycias works as IT consultant for http://www.polomercantil.com.br
Oct
31
The Key to Muscle Growth - What Causes Muscle Growth
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Three main factors are required to promote muscle growth:
1. Muscular stimulus. Resistance training (weight training) is needed to make the muscles work, use energy and cause microscopic damage to the muscle fibers.
2. Nutrition - after intense exercise the muscles need to replenish their stores of fuel.
3. Rest - it is during the rest or recovery phase that the muscles repair the microscopic damage and grow.
Here are the supplements I’d recommend for Muscle-building.
Creatine:
A great supplement that always produces positive health and muscle-building benefits. Helps to fill the muscles with fluid making you stronger and able to lift heavier and recover faster. Good bodyweight gains achieved with this, which allows you to lift more for better muscle growth stimulation.
Protein Powders:
Whey protein isolate is the best fast acting protein to aid in repair and growth of muscle tissue after an intense training session. Casein Protein is a slow digesting protein best taken just before bed to supply the body with a continuous flow of amino acids for repair and growth through the night while you sleep.
Muscle size increases due to hypertrophic adaptation and an increase in the cross section area of individual muscle fibers. Intensive exercise impacts more on the strength influencing fast twitch type II fibers, therefore the increase in muscle size is accompanied by greater strength.
Some other muscle building supplements include various amino acids, protein bars, growth hormone, and a huge selection of multi vitamins, all with varying ingredients used to help promote muscle growth. Growth hormone is released by the pituitary gland and is responsible for our growth, particularly during our teenage years when we hit puberty. In time, this hormone slows down, but by if we supplement with it, we can see a large increase in growth in both muscles and sometimes in bone growth as well. This is a popular choice for muscle building supplements, since the results are very stunning and often surprise people with repeated use. Protein bars are a safe and delicious way to help promote muscle growth. Many people love to eat them in order to help stave off hunger and provide the body with an extra boost of energy, without sugar or fat. Protein bars are made by hundreds of different companies, so you should be able to find one you like with a few different tries.
How to increase muscle size.
We must train hard enough to damage the muscle fibres so our body rebuilds them bigger and stronger.
We can trigger this type of muscle growth by using:
1. Heavy weights.
2. Low repetitions (6-8).
3. Long rest periods (2-4 mins).
The low reps affect muscle fibres in a unique way that causes maximum muscle growth. The heavier the weight, the more muscle fibres are used.
This type of training also stimulates our natural levels of testosterone. Testosterone is the ‘muscle growth’ hormone!
I prefer doing compound exercises for this type of training like the squat, the bench press and the shoulder press. You can use a lot of weight in these movements to strongly stimulate muscle growth.
A study published in 1997 found that knocking out the myostatin gene in mice enabled them to grow bigger muscles. Studies on cattle also found that those that were naturally bulky produced less myostatin protein. The scientists believe these latest findings show that the same process works in humans.
They also believe that techniques used to block this gene in mice could be used on humans, including those who have difficulty developing muscles.
“This is the first evidence that myostatin regulates muscle mass in people as it does in other animals,” said Dr Se-Jin Lee, professor of molecular biology and genetics.Read out Bodybuilding. Also check out for pregnancy and obesity
Oct
31
Financial Success Writing Ebooks.
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Creating eBooks and selling them online is profitable these days. People get richer and richer by the day simply by coming up with a simple eBook made only out of a few pages! But of course, in order to become successful in eBook creation, you need to write a very good one. The bigger question would be: how do you create an eBook that will really sell? Here are four key ways to impact your eBook creation:
A good title should be attention getting and catchy. Unappealing titles are often passed over in favor of those with more excitement. Therefore, you should spend time and effort coming up with a title that will garner a second-glance. The title should also be search-engine friendly, containing keywords
that are both appropriate and relevant to your niche. Denoting action or procedures which readers are interested in will also help.
Your eBook should be entertaining, incorporating worthwhile content, and be interesting to read in order to reach your niche audience. Use pictures, graphics, articles, how-to tips on everyday items, quotes from persons, and contain realistic information to hold their interest. Sidebars can be used for quick links to access information, and to make the page lighter in content.
Write in a casual tone. Remember that you are writing an eBook, not a science or a text book. Readers are more responsive and interested in writings that talk directly to them. Be conversational, minimize the jargons and complex paragraphs. Write simply and be direct to the point.
Eyestrain can be a problem for your readers who will be looking at a screen with their PDA or PC to read your ebook. The difficulty of reading with these devices is that without some space and variety in the text, the readers eyes do not get to rest. By using white spaces and by not using plain text, your reader will appreciate the variety.You can get a free copy of our latest ebook by clicking here: The 7 Keys To Business Marketing Success. Sean Milea writes about Search Engine Marketing Firms at http://www.BizRave.com
Oct
31
Call Center Consultants for Your Business - Business Ideas
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Call centers are part of the dynamic business process, a company can acquire valuable information from its customers by hiring a call center to deliver front line customer services. These call centers are normally managed by companies to provide customer support or product information to consumers.
The call center industry is thriving today more than ever, due to the fact that they optimize a client company’s investment in human capital by providing market differentiation, brand identity and commitment, and ultimately, operational success. Their business strategy is built on excellence in such areas as technology, database management, and the human capital.
Changes in technology and call center models make it necessary to hire a call center consultant. A good call center consulting firm can be your lifesaver and answer many important questions.
Outsource call center
Depending upon your company, you might decide to outsource your call center. This has a number of benefits, but it also entails many costs, beyond the financial decisions. For one, the call center outsource company will not know all the details of your business.
Fortunately, a call center consultant knows all about outsourcing. He can evaluate whether or not you should make this move. Your consultant is literally your call center lifesaver.
Work at home call center
Today’s technology easily allows you to establish a work at home call center. Instead of requiring your employees to be in your building, computers and telephones allow them to work from the comfort of their homes.
This is another great area for your call center consultant to help out. Since consultants work with a wide variety of businesses, they know who can best benefit from work at home call centers.
Call center technology
Do you know what kind of technology your call center needs? Phones, computers, network configurations? Call center technology is always changing, and your company’s needs are evolving.
Call center consultants stay abreast of the latest technology for the call center industry. They’ll know the best types of computers, phones, servers, and even furniture.
Find a call center consultant
If you’re not convinced of the value of a call center consultant, just re-read this article. And then think about all the other daily decisions and problems your call center faces. A good consultant is critical to keeping your call center humming and your customers happy.
Call center services help many people to enhance their business and customer communication. These services produce high returns for a considerably low investment. Because of the professional and friendly staffs working hard for a company, profits and productivity tend to increase dramatically.If your business needs to be able to outsource tasks such as answering phones and making calls, there isn’t a better resource that Call Center Consultant!
Oct
31
Quick Sale: The Option To Pull You Out Of Desperation
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“Life is what happens to you when you are busy making other plans”: as Beatles sing on. Life is an uncertain fare and more so in today’s times, when the cash transactions are so widespread and dynamic economic ups and downs are so much a part of one’s living in a consumerist world. Quick sale of your house is a financial plan to help you win out of such situations.
Also when if you have emigration or relocation plans, it is a good idea to get a quick house sale. You may have a set time period in which to make a sale. Time is a crucial factor in these cases as things ought to fall into place. Delay can spoil your plans and projects. This scheme ensures that time is not lost on your hands and nor is cash.
Quick sale is a special service which is available by special providers who deal in real estate. Selling a house is not easy as one may know it, and selling it quickly is even more difficult. Even after you contact a real estate agent, there is always a long chain of buyers and intermediaries involved in the process. They are connected to each other and the efficacy of the chain rests on the success of the negotiation process. Unfortunately, things may not work out fine and this chain may break due to any disagreement. For your real estate agent, it is just a chain collapse, for you it means loss of valuable time and money and even of fortunes.
Quick sale gets you through the process without extra hassles to you. Things are done in a timely manner so that you do not have anxious moments. With this scheme, your worries are eliminated as you can ward off such threatening situations as foreclosure or repossession of your property. This is made possible by the special agencies who deal directly with you. With no third parties involved, the matter is resolved with minimum of hassle.
The author is a real estate specialist and through his writing has given guidance to many people who are in search of buying or selling property. He is currently associated with VIP Services and writing on the topics like quick house sale and rent back.
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