How to Get a 700 Plus Credit Score With One Small Key Ingredient

Everyone wants a great credit score, but sometimes you wonder if it is possible. If you are wondering how to get a 700 plus credit score, then you are in luck. This article will help you understand your credit better, and show you how to get awesome credit!

First, it’s important to understand what makes up your credit score. There are three major credit bureaus that potential creditors will use to get info about you. These are Equifax, Experian, and Transunion. These credit bureaus collect info about you from those you have borrowed money from. The more times you pay your creditors on time, the better your score. They also measure the amount of debt that you have and how much of that is revolving debt (think credit cards). Too much revolving debt will lower your overall score.

Generally speaking a credit score above 700 is considered to be very good. This will entitle you to the best rates and the most respect. But, the holy grail of good great, a credit score above 700, is made all the more important in the credit driven society that we live in. A good credit score can mean that you can afford a bigger house or that great car you’ve wanted. It also gives you options and freedom.

Many people want to know how to get a 700 plus credit score. It is not as difficult as you might imagine. Even if you have made credit mistakes in the past, you can learn how to get it where you want. Start by getting on a reasonable budget. This allows to the freedom to allocate your funds properly so that you know that the money is there to pay your bills. And want to know the biggest secret to get your credit score above 700? Pay those bills on time! Anti-climatic, I know, but that is seriously it.

Another tip on how to get a 700 plus credit score is to keep your balances on your credit cards well under the limit. It is a good idea to owe less than half of your limit on your cards, and pay them regularly. When you are maxed out or even close on your cards, this signals to creditors that you are having financial trouble.

Finally, try not to apply for new credit if you don’t need it. Those store credit cards that promise to give you ten or fifteen percent off of your purchases may be tempting, but in the long run they can cost you precious points on your score. Limiting new credit inquiries is a key element in how to get a 700 plus credit score.

If you are looking for ways to skyrocket your credit, keep these tips in mind. If you keep to your budget, make your payments on time, and watch your balances, you can learn how to get a 700 plus credit score in no time.

Productive Search Engine Optimization – A Step Forward to Successful Search Engine Optimization

If you have a web site, what could be your concentration so that your web site will become popular in the Internet? Search engine optimization should be your main focus. It could help you get the traffic that you wanted so that you would be able to make big bucks on your web site. If you are "searchable" then you are in for this business. All you have to do is maintain that one and you would just see how your web site becomes successful.

Here are some tips so that you could be a step forward to successful search engine optimization.

1. You can submit your web site to search engines manually. But then there are some considerations that you need. Your web site's pages should be completely finished since search engines will not pay any attention for unfinished web sites. You should not also be a spammer meaning you should not be using keywords on your web site just for the sake of having them. Use keywords appropriately.

2. Web spiders are also looking for keywords so they can rank your web site. You need to target the keywords you want and make sure that you have them on your content. They should be used appropriately since over usage of keywords would drive away web spiders.

3. Make sure that you have other links to and from your site. The more links to your site, the better. You would be able to get a lot of targeted traffic if your web site is accessible to these visitors. You can exchange links with other sites but preferably exchange links with sites that have already established traffic.

4. You can also add in a forum on your site. If you have an area where where visitors can actually interact, time will come that more and more people would want to be involved in the discussion. Of course, this traffic is what you need to be on the top page rank.

How the Internet Affects Traditional Media

Traditional Publishing, REST IN PEACE

This is the headline that greets you when you land on a web page erected as a memorial to commemorate the decline of Traditional Media. A photograph of a man who seems to be in distress and who’s possibly just lost his job accompanies this headline. If this does not paint a bleak picture, go on to read the 548 headlines that all sing to the same tune as the following:

  • Bad Times: NYT Says Revenue Fell 13.9% Last Month

    – Forbes.com

  • Men’s monthly magazine Arena to cease printing after 22 years

    – Guardian.co.uk

  • Cosmopolitan UK publisher to cut 100 jobs

    – Guardian.co.uk

There’s even a website entitled Newspaper Death Watch that chronicles all the publishing and newspaper houses that close down. All rather morbid wouldn’t you say?

The Deadly Spell

Let’s take a quick look at Traditional Media and how the Internet cast it’s deadly spell.

Back in the old days, we’re talking 500 years ago; Gutenberg revolutionized the printing industry by inventing the printing press. This meant bibles could be produced at a fraction the time it used to. This also meant more copies in a shorter time and the Word of God got further reach in a shorter time. Newspaper houses and Magazine publishers still use a printing press today (well thank you captain obvious).

Much later, shortly after the advent of electricity, the world was blessed with another few media breakthroughs, namely radio then a few years later, television. Marketers and Advertising agencies had it all figured out as they devised Integrated Marketing Campaigns with astronomical budgets. Ah, the good old days. Well, much to the dismay of many of these agencies, this media landscape started to change.

Behold! Enter The WWW

At first a website was seen as a cute way to put your company brochure online and on top of that the disastrous dot bomb era created skepticism that labeled the Internet as a bad media and business channel.

Fortunately, since then the Internet has matured. Now, in countries where broadband has achieved high levels of household penetration, the web has become the consumer medium of choice.

Why? Because people can do research, shop online, watch videos and connect with friends all in the comfort of their own homes. People can choose what media they want to consume, where and when they choose too, especially with mobile connectivity. Marketers can no longer dictate what advertising messages people get subjected too.

Social Media, The New Black

Then there is the phenomenon of Social Media. It changed the media landscape forever. Social Media websites have allowed consumers to connect with friends, family, colleagues and peers in ways that were never imaginable a few decades ago.

Technology has empowered the consumer to become the Prosumer. Prosumers are consumers who produce content such as videos, photos and blogs that can be instantly distributed and shared amongst millions of people via social media platforms. This is also known as user-generated content or UCG.

Here is an interesting bit of trivia about the reach of Traditional Media vs. the Internet and Social Media.

Years it took to reach a market audience of 50 Million:

  • Radio – 38 Years
  • TV – 13 Years
  • The Internet – 4 Years
  • The iPod – 3 Years
  • Facebook – 2 Years

So How Does The Internet Affect Traditional Media?

The Internet has decreased the need for Traditional Media because it enabled consumers to join social societies within their neighborhoods, across their countries and internationally. It has empowered them to converse at their leisure, 24/7, with friends.

Considering all that’s been said, the demise of Traditional Media can largely be attributed to the following factors:

  1. Decline in readership: The distribution of free news and information on the web has led to the decline in readership for traditional publications.
  2. Decline in revenues: The decline in readership means advertisers will spend their money elsewhere and this leads to a decline in ad revenue.
  3. Real-time updates: Traditional Media can’t compete with instantly updated user-generated content that’s immediately available for the world to see.
  4. The rise of UGC websites: People have the freedom of unlimited real time commentary on content while Traditional Media is static and is a one-way communication tool.
  5. Online Audio/Video channels: People can choose what they want to watch and listen, when they want to and where without any advertising interrupting their experience.

Simply put. The Internet has revolutionized the way things get done today. It has revolutionized the way we do business, the way we communicate and has broken down the walls of Traditional Media.

A recent example is the decision by Unilever UK to fire Lowe, their Ad agency of 15 years, in favor of crowdsourcing – which means it has thrown the brand creative pitch open to agencies and basically any person who can think of an idea, worldwide. This is done on the Internet of course.

Traditional Media will still be around for a while, but the Internet is getting more and more integrated into our daily lives.

Think about this. You could do without the Mail & Guardian or the MensHealth Mag for quite some time, perhaps live quite happily without it? But you just dare cut that ADSL connection…

Learn to Speak Spanish Through Online Programs

The Spanish language is becoming increasingly more important to speak and understand. More than 420 million people speak Spanish, including those who speak it as a second or third language. Approximately 17 million of those are in the United States, making speaking Spanish more than just a passing fad. Fortunately, there are many online resources geared towards helping people learn how to speak Spanish.

Learn Conversational Spanish

The website, studyspanish.com, provides people with the opportunity to learn conversational Spanish. Although this program will not help you achieve fluency, by reading the lessons and repeating sounds and phrases with the audio attachments, you can be well on your way to carrying on a conversation. Sample beginning lessons are available online, and students can add to their knowledge with the purchase of CDs.

Courses, Tutors and Games in Spanish

Websites like 123teachme.com provide grammar, vocabulary, verb conjugations and sounds, like the other websites, but they also incorporated games and quizzes. These games and quizzes use vocabulary and phrases to test students knowledge and memory. People using this site can also work with Spanish tutors, people who know the language fluently, to get one-on-one help and accelerate the learning process.

Use Videos on Google and YouTube

Videos are available on YouTube and Google, and allow Spanish students to hear how the words are said, including accents and emphasis, but also see how they're said. Some of these videos use visual aids, displaying words and their pronunciation, like a book and audio tape would do, while others use people. The videos are for the beginning and advanced learners, depending upon the individuals needs and desires.

Learn Practical Spanish

Websites like e-spanol.hu/en outline the basics of Spanish, including grammar, vocabulary and expressions. This website provides games, quizzes, tests, word practices, audio videos and transcripts for students to test their knowledge and maximize they're Spanish skills.

Master Words and Phrases

For the beginning and advanced Spanish speakers, or students who simply want a larger vocabulary, websites like learn-spanish.co.il/ are ideal. This website lectures specific words and phrases that can make your Spanish more descriptive and detailed, including words relating to travel, color, shapes, sports, animals, food and clothing. However, this website does not include an audio, but only a simple visual of the words.