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The importance of utilizing social media to help any business grow cannot be understated. But, there can be serious legal consequences for businesses when their employees or affiliates and marketers use any of the popular social media forums. This can hold true both when employees are acting on behalf of your business and when they use social media for their personal use. Smart business owners identify the problems ahead of time and then devise a strategy to prevent unnecessary liability and address risks when they become known. Of course, that strategy should start with an appropriate social media policy. But, many businesses draft social media policies which do not address all the potential concerns it should, or even draft policies in a manner which renders them illegal!

So, how can you ensure your business’s social media policy isn’t a dud? First, you must understand what could go wrong in social media.

What Could Go Wrong For My Business In Social Media?

Here is a broad list of legal concerns your business may face relating to social media:

-Employees who reveal confidential or proprietary information in a blog entry that can be viewed by millions of readers;
-Employees who post discriminatory or negative comments on social media regarding your business or other employees;
-Employees who post objectionable content on their Facebook pages that raises into question their character, which in turn reflects on your business; or
-Employees, affiliates and other sponsored endorsers can even subject their employers to liability by promoting the company’s services or products without disclosing the employment relationship. This is otherwise melissmell known as a sponsored endorsement in legal parlance. The FTC has made it clear that any “material connections” between the endorser and the sponsor must be disclosed in connection with a product or service endorsement, which is defined as any type of positive review. Sponsored endorsers can also potentially create liability for your business through any deceptive claims made about any products or services offered by your business.
Why A Social Media Policy Can Protect Your Business

If you have employees or use any type of third-party marketers or affiliates, you should adopt a written social media policy. Though not an absolute shield from liability, businesses must adopt social media use policies protecting the employer consistent with the company’s organizational culture. Not only can these policies serve as a strong deterrent to employees, they can be uses as the basis of terminating employees and affiliates or other third-parties.

But, What Should Your Company Social Media Policy Really Say (Or Not Say)?

Of course, your company’s social media policy should make clear to employees what the employer expects with regard to social media use, both on and off the job. These expectations may vary between companies, but employers should generally be concerned with rules against conduct that may result in unlawful sexual harassment or other liability, rules prohibiting disclosure of confidential or proprietary information, and company policies governing the use of corporate logos and other branding concerns when engaged in social media use. I’ll go into more specific details about what your policy should say below.

But, the problem every employer must understand with employee social media use is that the individual’s actions may be legally protected. Some states, for example, have laws protecting employees’ off-duty activities and political activities or affiliations. At the Federal level, the National Labor Relations Act protects employees who engage in “concerted activity,” which often includes the right to discuss the terms and conditions of their employment with co-workers and outsiders. If your social media policy has not been updated over the past two years, the policy is likely to be out of compliance with the guidance provided by the National Labor Relations Board recently. In addition, federal and state whistle-blower laws protect employees who complain about (among other things) potential securities fraud violations, in certain situations.

Practical Guidelines

Some practical and basic guidelines you should include in any social media policy are listed below. I use the term “employees” to refer to employees, affiliates and all other sponsored endorsers.

-Employment Rules and Company Code of Conduct

Require that employees always follow the terms of their employment agreement, employee handbook or other company code of conduct at all times when using social media (obviously this just applies to employees). The social media policy should restrict employees from violating the terms of any company policy via social media use for work or personal purposes.

-Broad Use Statement

You should state that the policy applies to all forms of social media, including multi-media (videos, posts or audio recordings), social networking sites, blogs, podcasts, sharing sites and wikis and covers both professional and personal use.

-Confidentiality

Employees should not disclose any information that is confidential or proprietary to the company or to any third-party. What if you have a new product or software application in development that you want to keep confidential? What about financial and other non-public information? There are a million reasons to post rules prohibiting disclosure of confidential or proprietary information on social media sites. The best practice is to define what comprises “confidential” and proprietary information and other trade secrets similar to a non-disclosure agreement and restrict disclosure. This restriction should include personal use and use on company owned sites. But be specific. Rather thanbanning any and all disclosure of confidential information, be specific about exactly what cannot be disclosed (such as trade secrets, customer information, business strategies, etc.).

-Endorsements & Affiliation

If an employee comments on any aspect of the company’s business they must clearly identify themselves as an employee and include a disclaimer. Employees should neither claim nor imply that they are speaking on the company’s behalf unless they are expressly authorized to do so. For example, you should require each employee to use the language “any views expressed are personal opinions and do not necessarily reflect the views or opinions of ABC Corp.”

-Advertising Liability

All sponsored endorsers must not make any misleading or deceptive ads or claims about your products. All content must be accurate and truthful. Since you are just as responsible as any sponsored endorser would be, you need to have a clear policy on what deceptive advertising is and restrict such claims. In fact, any employee, affiliate, etc. you allow to post or promote on behalf of your business really should truly understand what is deceptive under FTC and state consumer protection laws. Your social media policy should restrict your company’s bloggers or product reviewers, affiliates and marketers against making such claim and the policy should be incorporated in the separate agreements used with any affiliates and independent marketers.

-Intellectual Property & Brand Dilution

Restrict your employees from including any company logos or trademarks on their own personal blogs or Facebook pages unless permission is granted. Similarly, they should not be allowed to upload or paste these marks onto any other interactive forum. Clearly communicate the company’s expectations and offer examples of scenarios that are acceptable and include an approved description of the company’s brand. Make it clear that individuals who link online identities with the company and disclose their employment also incorporate the approved language into their online profiles. A policy that includes the positive can help to build advocates for the brand. Trust your employees to drive responsibly if you give them the rules of the road. You should restrict employees from posting unauthorized ‘promos’ that purport to represent the company without pre-approval.

-Liability

All posts and content uploaded onto any corporate blog, fan page or integrated into promotional multi-media application (i.e. a company podcast) must not violate copyright, privacy laws or be defamatory.

-Require Approval

You should require that each of your employees seek and obtain approval before posting or adding content to any corporate blogs, Facebook fan pages, Twitter accounts, etc., and have a system in place to monitor and remove this content at all times.

Seeing the Illusion

The human brain is an absolutely fascinating organ. Science has yet to even touch the surface of understanding is capabilities. One of the most incredible things it does is cause us to see things that aren’t really there. The brain does not like a void. lightandmagic If something is missing and our brains think it should be there, then it will make it up for us so that we can see it. It tries to fill in the empty space with what it thinks should be there. There are many optical illusion books and websites that demonstrate this.

These optical illusions demonstrate two very important points about art. The first point is that art itself is an optical illusion. Your job as an artist is to create an image that will cause the viewers’ brains to fill in the gaps and make something complete. You are not working in three dimensions; you are working in two dimensions. But when your viewers look at your art their brains will force them to see the art as three dimensional. They will not see the fact that what you have actually done is take a nice clean piece of paper and creatively spread dirt all over it. They will see actual objects.

The second point that optical illusions demonstrates is that we don’t always see what we think we are seeing. That is the big issue here. If you want to create the illusion for your viewers then you must be able to see the reality behind all things, not just what your own brain tells you exists.

Seeing the Color

Take a look at a rose, for example. At first blush you would think that it is pink. Because of that you might want to draw or paint it pink. But look closer and you will see that it is filled with many shades of pinks, yellows, oranges, lavenders and whites. Those are the colors that you will need to use in your painting if you are going to trick your viewers into thinking they are looking at a real rose.

Look closely at your subjects and analyze them. Everything you need to draw them is right there, don’t let your brain convince you that you are seeing something else.

Seeing the Light

Did you know that you do not see objects? If you look at a car driving down the street or your best friend sitting across from you at the coffee shop, you aren’t really seeing them. What you are seeing is the light that is reflected off of them. Eyes process light. It isn’t until we touch an object that we actually experience the object itself. This is a very important concept to keep in mind when you are drawing. If you try to draw an object then your brain will try to force you to draw that object they way it thinks that object should be. If instead you focus on drawing light and shadow, you will have much better results.

Take a look at a billiard ball. Instead of looking at the object, look at the light. There are three types of light that I want to point out here: highlight, shadow and reflective light. All three of these types of light are very important in creating photo-realistic drawings.

The highlight is going to be the lightest part of your image. This is where the most intense light reflects off of the object. Never skimp on the highlight but don’t overdo it either. Try to recreate the highlight exactly the way you see it in the original image.

The shadow is always the direct result of the source light. Keep that in mind when drawing. Shadows are simply areas of less light because there is either something blocking the source light or the area is farther away from the source light.

Most people fully understand highlight and shadow, but the true magic of light comes from reflective light. Reflective light is the light that bounces off of other objects and reflects off of your subject. In the example of the billiard ball, the surrounding light bounces off of the surface it is sitting on and is then reflected off of the underside of the subject. Recognizing reflective light is very important. You see it everywhere, but your brain tries to block it out. In many cases, subjects have such a reflective surface that reflective light is defined to the point that you can actually see other objects reflected from your subject. If you want to take your art work to serious levels of realism, you must learn to see those reflections and include them in your final piece. The most important thing to take away from this is that in order to realistically draw something you have to be able to realistically see it. You have to train your brain to forget the things that seem to be missing and focus on the reality of how the light is reflected.

“Life for children today has never been better.” This is quite a common comment made by many today, which shows the inherent truth in the statement. Today’s world is globalised and interconnected with the technological revolution at its peak and social media being more widely used. Thus, children’s lives today are indeed very different from any other time in the past as things keep improving. When we say their lives have never been better, we mean that it is at its most optimal, with the best standard of living, xanthitoday quality of life and welfare in general. Regarding the given statement, I agree to an overwhelming extent.

The 21st century has seen unprecedented technological booms and advancements, which give children today the best material standard of living they have ever been able to receive innovation and invention are rapidly increasing which enhances the variety of consumer options available for the young ones today. By this we mean that with the emergence of amazing production technologies like automation, robots like “Baxter” invented in the USA are capable of producing component parts for toys at four times as fast as human’s speed.This has led to many toy firms increasing their production volume of popular toys, giving children much more choice. Innovative technologies on the other hand enhance new toys in ways past generations could only dream of, improving the quality of toys. In the end, we are unable to deny that where material goods are involved, children have never been so spoilt for choice and pampered as they are now.

In today’s world, children are leading better lives with more resources devoted to their upbringing. This is in light of the worryingly low and declining birth rates many developed nations face. Due to this pattern, governments have been devoting more time, effort and resources to encourage childbirth and the rearing of children. As such in South Korea, the government heavily subsidised childcare costs. Such efforts only go to show the extent that the governments are willing to go to increase the importance of having children in our daily lives. We can only comment that children of the 21st century are treated as national treasures and assets to an ageing population. Thus it is true that they enjoy more resources and facilities provided complimentary to them.

In addition to the above, the declining birth rates so characteristic of today has created the phenomenon of nuclear families, consisting of a couple and not more than 2 children. As such children end up having a better quality and standard of living when parents are able to allocate more resources to each child. During the days of large families, each child could only have a small share of the parents’ income spent on them and their needs. However in China, for one, the “Little Emperor” syndrome has emerged due to parents having one child and being able to devote more of their resources to his prodigal spending habits.This goes to show that as nuclear families are the norm today, children are able to receive much more attention and material goods as more is allocated to them. With virtually all their material wants satisfied and their emotional well-being receiving more attention, we have to say things have never been at a better stage for children today.

Perhaps the rapid and unbelievable developments in the sphere of education today have also contributed to such a high standard of living for children on the whole. This is quite a constant factor as throughout the annals of time, educational events increase in number and so do educational discoveries and new knowledge. Thus, the progress of time will always have a direct relationship with the development of education. Knowing this, we can apply this fact to today’s education sector which has never before received as much thesis appears and discoveries. Thus, children in schools today mostly receive the most updated, modified and refined versions of educational content and teachings, as well as have more access to a greater number of interesting theories and discoveries made by past figures. The recent Higgs Boson discovery would never be enjoyed by children of another generation. Such an optimal quality of education is only received by children of today’s age, and this can improve their lives further by making them more knowledgeable and employable or by increasing their levels of spiritual enlightenment via the new perspectives gained. Basically, children feel more fulfilled today.

The above characteristics of the 21st century have also led to the creation of a self-perpetuating cycle where parents are more accommodating than ever and lives for children keep increasing in quality and standard. Due to the general increase in standards of living, people’s expectations also increase as they yearn for luxury goods and consumerism along with prodigal spending to satisfy their wants. As such, such a mindset has translated into a culture of upbringing where parents try their hardest to satisfy their child’s material wants, however unreasonable and demanding they may be. In Singapore and western countries like USA alike, this trend is increasingly evident as many parents vene resort to taking loans to pay for their child’s exorbitant spending habits. Albeit at the parent’s expense, the given statement holds true in the view of many children today. Gone is the traditional culture where children see accepting modest rewards as the status quo, today they are able to demand and receive almost anything they open their mouth for. Definitely, life for them has never been better.

Despite a very strong thesis for the statement by the general public and erudites of child development, there can never be a day where anomalies are not present. Thus, we will need to concede that there is another camp regarding this issue. It would be more mature and partial of us to consider some other viewpoints.

Some point out the fact that technological advancements come at a compromise in the form of social media’s negative effect on children. Amidst the increase in material well-being, children are surrounded by social media channels that showcase content from flashy advertisements to the occurrences of celebrities’ daily lives and the like. Children are bombarded by information of such overwhelming proportions and at such unsustainable rates that their young brains are unable to accurately synthesise them to form their own opinions and judgements of various issues. This inevitably leads to children facing more confusion in their daily lives today, with a particular US-based survey finding that showed that about 60% of children below 14 feel that “their lives are more confusing today”. As such, children may be losing the ability to remain clear and cognizant of their own identity and opinion, something the children of the 1970s-1980s did not mull excessively over. In the end, children have gained material satisfaction at the expense of mental and emotional well-being.

However, regarding this other view, I feel that this slight detriment to children’s lives pales in comparison to the more significant factors mentioned at the start. I say this because the modern age has a way of adapting to changes in society and the like. Like a natural defense mechanism, when a social problem occurs, there will be a group of people who work together to counter it. Amidst the increasing confusion and disorientation faced by children today, the number of childhood therapists and psychology professors as well as clinics have been increasing steadily. This gives more outlets and means for children to seek help when in need and such measures have been working in London, UK for some time. School therapists are increasing in numbers and are capable of providing improved emotional guidance to more children. Coupled with the rest of the improvements in various aspects of life, I feel that my comment to the given statement would be a resounding “yes”.

Perhaps the only significant case where we are unable to rebut effectively is the case for Less developed Countries(LDCs) mentioned by several professors and the public. The 21st century has created a widening development gap between rich and poorer nations and poorer LDCs suffer a dearth from necessary resources. In African countries like Mali and Kenya, we are unable to prove that children’s lives have really improved. When basic needs cannot be met, the poverty cycle ensues. However, today aid organisations like the United Nations(UN) have been ready to provide aid to stave off famine and disasters in these regions. Nevertheless, it is likely that aid alone will not be able to prevent Malthus’s theory from playing out if the inherent capriciousness and corruption of such dictatorship regimes are not vanquished.

We live in an era of style even in the busy and hectic life. At times, it becomes very difficult for most of people to go to market to shop. Keeping in view the growing demand of online shopping, entrepreneurs have created many shopping portals online that are very inspiring and profitable for the customers.

Online shopping is rapidly becoming the first choice of people in the world for modernized or traditional shopping. Gradually, online shopping is being accepted as the new and fashionable way of shopping. Personeelsuitje Alkmaar It is becoming popular because people have many other things to do in their busy life and shopping online saves time in numerous ways.

The process of shopping online has become very simple and easy. We have plenty of examples of sites that facilitate online shopping in the United Kingdom, where you can easily make purchases online with great offers and discounts. You can also find a directory of online shopping; which will help you to ensure safe access and security of your details. So you can shop online with great conviction. You can also easily get all the details about the range of products, services delivery, price, special offers and gifts, etc.

Online purchases are not only safer, but it is now easier than ever. Shopping online can be as easy as consumers wish it to be. Internet shopping can be full of fun, very easy and convenient. One advantage of shopping online is that one will be able to use the power of the internet to find the best deals available for items or services in the markets of the world. Search engines will help you to find high quality products in a simple and easy manner.

Another advantage of shopping online is one can also quickly find the offers of items or services with many different suppliers just by sitting at one place. Perhaps the best potential locations for shopping centers are available online. Online shopping is an online marketplace where numbers of stores of different brands provide their services under the same website for 24*7 that is made available everyday and every time of the year.

Shopping community generally refers to a group of buyers who are connected with each other online. They put forward their experience and information in the lengths of writings with the good and bad qualities of the goods that they have purchased. These comments and evaluations often help other buyers, especially those planning to purchase products via the Internet to make the right choice.

One of the main reasons that the consumers are not fine with shopping online is lack of awareness and knowledge about the quality of the products and retailers. While online retailers have a solid brand exposure to comfort the customers, which smaller retailers do not have. However, a major reason for the continuous growth in online shopping is due to the increasing confidence of customers in shopping the sites online. Other major factors are the wide selection of products that is available to customers online, the recent growth and efficiency of shipping companies dealing with Internet traffic, and growth of high-speed Internet.

While shopping online you can also send special gifts to your loved ones on special occasions, as there are online stores that provide the services to send gifts as well. Websites that are designed to send gifts online contain almost all types of gift items ranging from flowers to jewelry items, from chocolates to perfumes and games etc. that are designed for almost every type of special event in the life of the person.

Thus one can easily say that the online stores have brought a revolutionary and sensational change in today’s racing world with their great services and offerings. So do not waste your precious time in thinking about how to buy any product? Just go online and enjoy the facilities of the online store which will fulfill your desire with comfort and very conveniently. You will surely receive benefits in various online stores compared to shopping from the local markets.

If you’re new to marketing automation, you might want to think about how you and your team will want to adopt those automated processes in the right way. Considering how the marketing automation industry is growing with increased adoption rates, it’s important to ensure automation is done efficiently. For starters, let’s consider a few statistics:

a. About 49% of businesses use some form of email automation. (Email monday, 2018)
b. In the next two years, Internetmarketingbureau Rotterdam an additional 21% of marketing leaders plan to use a marketing automation platform. (Salesforce, 2017)
c. Spending for marketing automation tools is expected to reach $25.1 billion annually by 2023. (Martech Today, 2018)
d. 79% of top-performing companies have been using marketing automation for three or more years. (Venture Harbour, 2017)
e. 80% of marketers using automation software generate more leads. (LinkedIn, 2016)
Source: HubSpot Marketing Statistics

Clearly, many industries are adopting marketing automation software and technology tools;these are few really important things that you need to keep in mind while making your choices:

1. Don’t automate bad processes and beware of outsourced lists

Map your marketing processes that drive traffic and leads thoroughly. Flow of leads through the funnel, including allocation and their sources are key. Hence, map those properties accurately. Make sure that the members of your team who run these processes are on-board with any changes that such automation will bring to their day-to-day work. Appointing a change manager (champion) who is a marketing process specialist will save you time and money. Identify and eliminate poor processes – fix the process before you can automate it.

2. Beware of outsourced lists and automate lead qualification to stay compliant

Avoid buying email lists and sending them automated email campaigns. These will fail and become costly to resolve. Especially now, with GDPR, this can get your business into a whole lot of trouble. Automation tools can be a life-saver with their inbuilt measures to ensure that some of your processes are compliant with the new laws. That said, the software is an only enabler and you must do the work to stay compliant. To further help the process, focus on creating exciting content that will motivate people to sign up for your content offerings (say, eBooks and animated GIFs) and build + grow your own opt-in database that can deliver better lead conversion.

Email databases will expire as the years roll by so it’s important to keep generating new leads at a higher rate than the expiry rate; which is about 25% per year. To generate new leads, you need to consistently create better content, design interesting calls-to-actions &landing pages, write engaging blogs and optimise your website for the search engines. Automation is great for nurturing leads, but you need to generate those leads first for the next step to happen.

3. Don’t let fancy features fool you

When deploying a marketing automation for your needs, don’t let fancy features fool you. Each software will have different learning curve, and maybe using a software with an easier UI might speed up processes. But, if it doesn’t solve your marketing process related (specific) problems, then it might not be the software for you.

Sharp, among the leading consumer brands from Japan, has a vision to cut the cost of solar power generation into half. This is expected to happen on 2010. This seems ambitious but the Sharp then-chairman, Katsuhiko Machida, who shared this vision with the company made an inference that the celestial being, the sun, could send ample energy in just an hour to deliver enough power for the Earth energy requirement. 町田 ダンススクール Now, that sounds good to be true or there may be tangible things attached to that notion.

Sharp has set the pace in solar power revolution by offering the market its solar products backed with 25-year limited warranty guaranteed on power output. This could be something that would really get you with glee owning a module of any Sharp solar panel products. The product ranges you can get from Sharp solar panels differ in applications: the residential and commercial products plus the Off-Grid Solar Products and the Utility-Scale Products.

The trademarked One Energy Residential Solar Modules from Sharp can make your roof more than utilitarian in appearance. This does not mean that your roof is going to get so magnificent with the Sharp solar modules. Perhaps, the solar electric system can bring a certain accentuation to your roof as it helps in creating a seamless appearance. The solar panels from Sharp also deliver an edge in installation as a module of its kind can be retrofitted on any roof, even on existing ones.

If you have Spanish-styled roofs, probably having a solar module installed on it would make the system more conspicuous. But with Sharp residential solar modules, your roof can still look what it is but with added purpose and even a supplemented aesthetic touch. Models on this kind of solar modules include 176 W Module and 198W Module with model numbers: ND-176UC1 and ND-198UC1, respectively.

Meanwhile, Sharp offers monocrystalline silicon solar panels as well as polycrystalline a variety on its commercial line of solar products. The off-grid solar product, on the other hand, is a variation when you opt for distant solar panels off from your homes. This is a typical solar panel variant installed in conjunction with the battery systems with 12-volt increments.

Sharp utility-scale solar products are a contrast to the former three as they use thin films with less silicon than Sharp other solar product lines. However, the thin film variant offers long life, high value and efficiency in usage. With its awesome warranty offer, this revolution in thin film solar modules from Sharp can bring a boost to solar power industry.

Now, we have presented to you the solar product lines from Sharp. If you want to venture more, why not check their specifications and see if they can be your best solutions to solar power needs.

Carry Hilson owns the Solar Panel International and offers solar panels and sharp solar

Title:
Are Personal Loans a Good Idea for Me?

Word Count:
503

Summary:
Personal loans have exploded in populahttps://www.mindrnd.com
rity over the last number of years. With UK consumers in more debt now than they ever have been in the past, personal loans are becoming even more popular as more and more people use the to consolidate their existing debts.

Keywords:
loans,loan,personal,uk,secured,consolidation,debt

Article Body:
Personal loans have exploded in popularity over the last number of years. With UK consumers in more debt now than they ever have been in the past, personal loans are becoming even more popular as more and more people use the to consolidate their existing debts. There are a number of factors that have contributed to the growth of the personal loan market but most can be traced back to the following broad reasons:

· A largely healthy economy with high levels of consumer optimism
· Historically low interest rates
· High rates of employment
· High rate of house price increases leading to a wealth effect

While all of these have been reasons why people have been opting for more and more personal loans, they are not necessarily good reasons to take out extra credit and it is therefore necessary for each person, before agreeing to go further into debt to ask themselves the following question, is it a good idea for me now to take out a further personal loan?

While it is impossible to answer this question without knowing the precise personal circumstances of each person considering taking out a personal loan, there are certain guidelines that can be used to help you make up your mind. At the end of the day, the decision on whether or not to borrow more money will rest with you yourself and you should have a good perspective of the entire picture before making up your mind.

One thing that is a good help in deciding whether or not to take out a personal loan is simply to ask do you need the loan? This will depend on what you are considering using the loan for and how much you need to borrow. If you are buying a new car or a holiday you should be asking your self do you need the car or holiday? How long will it take you to save up to pay for it without taking a loan? Are there cheaper options or alternatives open to you that would mean you don’t have to take out the loan or that you could take out a loan for a smaller amount? While each individual case will rest on its own merits, it must be the case that a great many loans are taken out each year that are not really needed by the borrower.

Another question to ask yourself is how much will the loan cost and can you afford it? If the interest rates you are being quoted are very high, or if you are already finding it quite difficult to make ends meet, then you may wish to consider alternatives to taking out a loan.

Another aspect of considering a personal loan is to first choose which one suits you best, calculate the total interest to be repaid and go through the small print very carefully. Many loans carry early repayment redemption penalties; these are applied if you want to pay your loan off earlier than the agreed loan term.

Title:
Apply Online For A Credit Card – How To Choose A Card?

Word Count:dg casino

624

Summary:
The best type of credit card for you will be dependant on how you intend to use the credit card. Are you the type of person who pays off your card balances monthly? If you are, a card with low annual charges will probably be the best for you. If you tend to let your balances carry over then a card with the lowest interest rates will probably be best for you. If you need cash advances from time to time try to choose a card with a low interest rate and low charges on advances.
…

Keywords:
apply online for a credit card

Article Body:
The best type of credit card for you will be dependant on how you intend to use the credit card. Are you the type of person who pays off your card balances monthly? If you are, a card with low annual charges will probably be the best for you. If you tend to let your balances carry over then a card with the lowest interest rates will probably be best for you. If you need cash advances from time to time try to choose a card with a low interest rate and low charges on advances.

When you compare interest rates on differing cards remember that the rate is often variable rather than fixed. The banks or finance houses can often adjust these rates quarterly or by written notice.

Note that interest is charge at an APR rate. APR is the annual percentage rate chargeable. Check to clarify whether you are likely to be paying a differing rate on late payment of monthly balances. This is often called a “penalty APR”. Check whether the card has a “tiered APR”. Some cards use different rates depending on the size of outstanding balance you have at the end of each month. Many cards charge differing APR’s dependant on the type of transaction you make. An APR for a cash advance or balance transfer may be higher than the APR on purchases made using the card.

Check for further charges on any cards you may be interested in. Some companies charge a flat rate transaction fee every time you use the card. There may be a standard fee for any late payments as well as a tiered APR. Check whether the card carries an annual fee for using the card. Other fees you could encounter include set-up fees, return-item fees and credit limit increase fees all of which can increase the total costs of using the card.

Check the grace periods on any cards you are interested in. A “grace period” is the time from purchase to the time interest or fees begins to be applied on the balance for the purchase. Grace periods tend to only apply to purchases made on the card rather than cash advances or balance transfers which incur interest charges form the date of advance or transfer. Many banks and finance companies may state interest is charged 25 days from the statement date for new purchases, so if you pay the balance within 25 days no interest is chargeable. In some cases, if a previous month’s balance has not been paid, you may not be entitled to any grace period on new purchases and end up paying interest on the outstanding balance and on any new purchases until the balance is cleared.

Once you have determined which card offers the best rates and charges for you, determine the amount of money you can repay each month. Check the credit limits on the cards you have selected to ensure you can repay up to the limit if necessary. Over stepping the limit may incurr a charge so ensure the cards credit limit is within your financial budget before applying for the card.

You should also consider whether the card you choose is likely to be widely accepted for the majority of your purchases as it will be easier to manage and keep track of your credit if you have fewer cards. Many cards offer extra facilities such as warranties, rebates on purchases, flyer miles and insurances for travel or cars. Evaluate these extras aganist the real costs of these services.

Once you have evaluated how you intend to use the card and compared the charges as outlined above you should be able to confidently apply online for the best credit card for you.

Title:
Analyze Your Stocks And Double Your Profit

Word Count:
536

Summary:
An investor buys a share of stock by resorae gaming
ting to various approaches that validate his investment by reaping rich profits. Before investing, however, it is necessary for a value investor to study the financials of a business, so that the stock he buys at the company’s intrinsic value promises a greater return at its liquidation value (the value of a company if all its assets were sold). A typical investor would buy growth stocks that have an upward trend, and seem likely to k…

Keywords:
stocks, shares, profit, eps, funds, increase, market, eps, equity, investment, retire, bull

Article Body:
An investor buys a share of stock by resorting to various approaches that validate his investment by reaping rich profits. Before investing, however, it is necessary for a value investor to study the financials of a business, so that the stock he buys at the company’s intrinsic value promises a greater return at its liquidation value (the value of a company if all its assets were sold). A typical investor would buy growth stocks that have an upward trend, and seem likely to keep growing for a long time. Whereas, a technical investor (also known as a Quant) makes decisions based upon the psychology of the market and related factors, which involve much higher risk but may prove to be more profitable, or, can conversely result in much greater losses. The fundamental analysis of any business can depend on various factors: efficient market theory, value and growth, growth at a reasonable price and the quality of the business.

1. Efficient market theory pertains to stocks being always correctly priced, as all the requisite information is available on the current price.
2. The stock market sets up the price.
3. Analysts decide upon the value of a company based on the potential for its growth.
4. Price and value may not be equal, due to certain irrationalities governing the market.

Value investors need to rely on certain stringent rules governing the nature of the stock which adhere to the following criteria:

1. Earnings: company earnings are profits after taxes and interests.
2. Earnings per share (EPS): the amount of recorded income (on per share basis) available to the company to pay dividends to stockholders, or to reinvest in itself.
3. Price/Earnings Ratios (P/E) ratio (having a justified upper limit): If the company’s stock is trading at $80 and its EPS is $8 per share, it has a multiple, or P/E of 10. This means that investors could expect a 10% cash flow return:
$8/$80 = 1/10 = 1/(PE) = 0.10 = 10%
If it’s making $4 per share, it has a multiple of 20 (20 times $4 equals $80). In this case, an investor might receive a 5% return (in the same conditions);
$4/$80 = 1/20 = 1/(P/E) = 0.05 = 5%
However, a low P/E is not an untainted value indicator.
4. Price/Sales Ratio (PSR): is the same as a P/E ratio, except that the stocks are divided by sales per share instead of earnings per share.
5. Debt Ratio: percentage of debt a company has relative to the shareholder equity.
6. Dividend yields above a certain absolute limit.
7. Book value ratio: comparison of the market price against the book value of the stock per share.
8. Market capitalization value: Complete total value of a company’s outstanding shares (Market price per share ´ Total number of shares outstanding).
9. Equity Returns – ROE: Net income after taxes divided by owner’s equity.
10. Beta: comparison of volatility of the stock to that of the market.
11. Institutional ownership: percentage of a firm’s outstanding shares owned by certain institutions: insurance companies, mutual funds etc.

Learning to analyze one’s stocks and thus reaping the desirable profit is in fact a continuous process, as no amount of market efficient theories can ever predict a flawless financial return system. Even though one invests judiciously by studying the market, the over-valuation or under-valuation of stocks can often be determined by market emotions.

Title:
An Easy Way To Eliminate Your Credit Card Debt

Word Count:SSCN BKN

653

Summary:
There are millions of Americans out there who have paid off heavy credit card debt, and you may be one of them. To get rid of credit card debt, it won’t be enough, however, to just make minimum monthly payments. Do you know that you just need to do a little more than just paying the minimum monthly payments; you can save thousand of interests and shorten many in years in settling your credit card debt.

Keywords:
credit card debt, debt relief, debt settlement, credit card, get rid of debt, debt free, debt

Article Body:
There are millions of Americans out there who have paid off heavy credit card debt, and you may be one of them. To get rid of credit card debt, it won't be enough, however, to just make minimum monthly payments. In fact, you just need to do a little more than just paying the minimum monthly payments; you can save thousand of interests and shorten many years in settling your credit card debt. To give you a better picture how it work, let use a case study to elaborate the solution.

Case Study:

A friend of mine asked me to take a look at her monthly credit card statement; according to her, she has stopped using this credit card and try to pay it off, but feels like she isn't getting anywhere.

The credit card statement record shows her balance is $5218.00 and she is paying 18% of interest; and she is paying the minimum payment at 3.5% or $10 whichever is higher. Like many who confuse with financial matters, she thinks that as long as she stops using the card and by just paying the minimum of monthly balance, her credit card debt will be cleared soon.

The Calculation Result:

If she has stopped using this credit card, and if she continues to make the minimum required monthly payment, as she has been, based on the way her bank calculates her minimum required monthly payment.

It will take her 181 months to pay off her current credit card balance of $5,218.00 and she will pay a total of $3762.35 in interest.

In other words, if she continues doing what she has been doing. It will take her 15 years and cost her $8980.35 to pay off her $5218.00 credit card balance. No wonder she feels like she is not getting anywhere.

So, what should she do?

Actually, it quit simple, if she able to pay the minimum payment of $5,218.00, which is $181.37, which means this is her affordable amount. Instead of paying the minimum payment as defined by the credit card company, she continues to pay $181.37 from now on.

As the result, she will pay off this credit card in 43 months instead of 181 months and she will pay $1635.45 in interest instead of $3762.35 in interest, saving $2126.90 in interest charges. See the different?

What she can more?

If she really wants to go for it, she could increase the amount of her "new" self-imposed minimum required monthly payment. For example, if she were to start paying an additional $18.63 a month for a total of $200.00 a month.

She will pay off this credit card in 34 months instead of 181 months and she will pay $1428.30 in interest instead of $3762.35 in interest, saving $2334.05 in interest charges.

If she were to start paying an additional $68.63 a month for a total of $250.00 a month, she will pay off this credit card in 26 months instead of 181 months and she will pay $1071.09 in interest instead of $3762.35 in interest, saving $2691.26 in interest charges.

If she really wants to eliminate her credit card debt as soon as possible and her financial is able to support it, she could double the amount of her "new" self-imposed minimum required monthly payment. If she were to start paying $362.74 a month instead of $181.37 a month, she could pay off her credit card balance in 17 months.

In Summary

There are a number of things she could do, but this is one of the simplest and it's something she can start doing right now to begin eliminating her credit card debt. You can do the same to start eliminate your credit card debt.

If all you do is stop charging on your credit card and continue making the same minimum required monthly payment you will be making on your credit card this month, every month from now on, you will make significant progress towards totally eliminating your credit card debt once and for all.