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Student visa credit card

Credit ReportYour credit report is actually a credit history. It is created by data about you from many different sources.

Companies that have granted you credit make regular reports about your accounts to the three main CRAs, also known as credit bureaus or credit repositories: Equifax, Experian, and TransUnion.The Fair Credit Reporting Act (FCRA) allows CRAs to report records of convictions of crime. However, it is not the practice of any of the three main CRAs to report criminal convictions on credit reports. Such information may, however, be reported in connection with an employer background check, an application for automobile insurance, or student visa credit card an application credit student visa card to rent a house student credit visa card or apartment. Your credit report may also contain information about delinquent child support payments.In addition, your credit report contains your name and any name variations, your address, and previous addresses, telephone number (including unlisted number), Social Security number, year and month of birth, and employment information. Information in your report also includes matters of public record such as civil judgments, tax liens and bankruptcies. Because you have the right to know who has inquired about your file student visa credit card and has requested your credit report over the last six months, any copy of the credit report you receive must also include the identity of all such inquiries. Inquiries related to pre-approved offers, as well as your own inquiries, are not available to credit grantors. However, they are included in credit reports that you order for yourself.Free Credit Reports. Beginning in December 2004, consumers can get a free copy of their credit report annually.2

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The ABC's For Beginning Internet Business Builders

The reason most people fail to make money on the internet is because they don't have the knowledge and tools they need to market their business effectively and successfully. They just end up spinning their wheels because they don't know where to start and neglect to develop and follow a consistent marketing plan. The following tips should make it easier and less frustrating for the new business builder.

Tip 1
Find a target market and serve those customers willing and able to buy. For example, a target market would be work at home entrepeneurs. This market needs the best informational products designed to help them succeed online. Ideally, this would be a great niche market to sell informational and marketing tools to.

Tip 2
A blueprint/plan is vital when you are first starting out. If you don't have a step by step plan knowing where you're going, it is like driving a car without a roadmap. Know where you are going. A step by step plan takes you by the hand showing you what needs to be done through daily tasks.

Tip 3
Set aside so many hours or particular days in the week as to when you are going to work on your business and stick with it. CONSISTENCY is the KEY. Treat your business like a hobby and you will get mediocre results. If you treat your business seriously expect to accomplish more than the 95% of the people who get online attempting to make a buck. There is no f-r-e-e ride. Realize that and you are ahead of the game. Stay consistent, use the best tools, and treat your business seriously.

Tip 4
Find a mentor, support person or even a support network. This is vital when you are first starting out. These people can share the wealth of their knowledge telling you what works and what doesn't work. And they can keep you motivated. Remember, they started out just like you. Joining a community discussion group of internet marketers is another good idea. You can pick up a great deal of f-r-e-e information and have any questions answered. Support groups/mentoring is invaluable when you are first starting out.

Tip 5
Read inspirational books. I highly recommend "Think and Grow Rich" by Napoleon Hill. The principles in this book have been the blueprint used by some of the most successful and influential people. It has been often said that in order to be successful, learn from successful people. Join a group of like minded people. You may find these people in your community or on an online discussion board.

So to recap:
Find a target market and serve it well
Follow a blueprint
Set up a schedule as to when you will work on your business
Find a mentor or support person
Read inspirational/motivational books

E-business is booming. Almost 990 million people had internet access in June 2002. That means that 1 out of every 6 people in the world are wired to the net. And experts predict the numbers are rising. You are in the right place at the right time.

Success requires an investment in time and money. To succeed online you have to make an investment in time and money. Bottom line is that there is no f-r-e-e ride. Understand this and you are on your way to success. Above all, be patient and never give up. Through persistence, support, using the best tools and believing in yourself, like the farmer who tends to his crops consistently, eventually your cash crop will come in. A good foundation is key and then consistently working on it produces results. Success doesn't happen overnight. Never stop learning, asking questions and trying new things.

With all of this in mind you can accomplish more than what 95% of people who get online attempting to make a buck.

Be The Best You Can Be

Copyright 2006 Judy Howard

In the traditional model, an individual who lacked time or knowledge relied on an investment advisor for help with investing. Now, more and more people are devoting their time to learn to do it themselves, rather than rely on the investment advisor. This new breed of empowered individual investors is hungry for knowledge about investing, and as time goes by, they will seek the “specialists”, rather than hire the professional.

Client Dissatisfaction

What has prompted this quiet revolution? For starters, the benefits achieved doing things the old way. According to Tiburon Strategic Advisors, a consulting and market research company, almost three-quarters of “high net worth” investors are dissatisfied with their financial advisors on some level. Only 30 percent of clients declared being fully satisfied with their advisors while nearly half of the respondents have given recent consideration to changing their primary financial advisors.

And what of those clients who are “less than high-net worth”? Anecdotal evidence supports the conclusion you have probably already arrived at, namely that those clients are even less enthusiastic about the service they receive. Even more so than is the case with high net worth clients, these clients have an all too intimate knowledge of the investment motto “financial products are sold, not bought”.

The Emperor Has No Clothes

Statistics on the returns “enjoyed” by clients suggest that their dissatisfaction is justified. Over a ten-year period, Dalbar’s well-known research divided mutual fund investors into two groups; Do-it-Yourself investors and Sales-Force Advised Investors (i.e. investors who used advisors). During this time period, the first group had a return of 79.5% while the latter had 96.4%.

Those return rates sound fairly impressive, until one considers that during the same period, the S&P 500 index had a return of 384.5% (see Chart 1).

Chart 1. Returns of Mutual Fund Investors (Cumulative %)

Source: Dalbar and TAM Asset Management

Although the Dalbar research was conducted between January 1984 and June 1995 and was never repeated in the same format afterwards, one could question whether the results would be different now.

What those results lead us to conclude, of course, is that investment advisors were not able to add significant value in terms of higher returns -- although they could potentially have added value by saving clients’ time, managing their anxiety and providing investment education through client service.

Conflicts of Interest

It is widely known that a number of forms of client-broker relationships are still plagued by conflicts of interest, where recommended products are not the most optimal for clients. For instance, broker advisory services may be presented as free-of-charge but the embedded costs could be quite high (e.g. a client with a portfolio of $100K could be paying as much as 2.5% in trailer fees for this “free” advice). Furthermore, the client may be made to favor financial products that are better for the company the broker represents rather than the most suitable for the client.

This has not gone completely unnoticed -- every year the industry has to pay billions of dollars in lawsuits for scandals as well as selling products that were unsuitable for clients in the first place. Unfortunately, unlike Home Depot, the investment industry is not yet prepared to offer up (without a fight) refunds for products that did not meet clients’ objectives.

In addition, many clients express a view that the investment industry is paying insufficient attention to its fiduciary duties (i.e. putting clients’ interest first), while it is pursuing asset gathering strategies (i.e. maximizing its own returns). For example, John C. Bogle concludes in his ten-year research that the returns generated by mutual fund conglomerates (i.e. asset gatherers) lag significantly behind their competitors. Mr. Bogle, of course, was not referring to return of conglomerates’ own capital, rather the returns on capital entrusted by investors. As a Chartered Financial Analyst, I feel that in order to effectively deal with these challenges, we should first acknowledge that they exist and then move decisively to rectify them.

Emerging Alternatives

The developments noted above have led many people to think that discovering what works in investing is not just for a small group of professionals, but something that everyone can do. The dot-com mania brought in the new group of people known as day traders. Unfortunately, the great majority of day traders lost money as markets headed down, but the phenomenon proved that large groups of people are indeed willing to venture into capital markets en masse.

At the same time as dissatisfaction with the traditional investing model grows, new alternatives (both in terms of technologies and financial products) are gradually emerging, which are eroding investment advisors’ influence more than ever before.

Nowadays, with a click of a mouse, an individual investor can create an efficient portfolio (with a little help) that reflects his or her personal circumstances. And, recognizing the value of strategic long-term investing, many companies have created products that focus on tax and cost efficiency such as ETFs and life-cycle funds, as well as various types of software and Internet-based solutions that offer all-encompassing investment options. These ‘so called’ investment auto pilots are not without fault but offer simplified solutions to many investors that are confused and no longer trust that the investment industry is looking out for them.

People are starting to realize that it does not require a lot of money, time or “expertise” to learn a sufficient amount of knowledge to achieve results comparable with the top 25% of all investors. What it does take is strategic investing that minimizes costs, taxes and follows simple portfolio optimization while considering investors’ personal situation. To prove the point, indexing is growing in popularity as more individual and institutional investors recognize that it is very hard to beat the market consistently.

So, as millions of baby boomers have discovered the joys of dry-walling, the new breed of independent and empowered investors will enjoy learning about investing and taking responsibility for their losses and gains.

The revolution has just begun.

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