Credit Cards or Store Cards

Credit Cards or Store Cards

Many people may not realise that there are various differences between store cards and credit cards. In fact, it seems that people think that store cards are often a lot cheaper and easier than credit cards, but that is not always the case. Whilst credit cards can have high interest charges, often store cards are a lot worse and consumers end up paying a lot more back than they should be.

The reason that people are drawn into applying for store cards is the discounts. Most stores have their own card now and they offer discount prices of 20% off their products if you use their card. However, what they do not tell you is that the 20% you are saving off the original price of the clothes is actually made up from fees.

So, whilst credit cards can get you into debt, store cards are usually worse. That means that credit cards are probably a safer choice but it is always worth looking at various different ones before applying. No matter which card you do decide to opt for, both need comparing and you need to rally shop around, compare credit card offers to find the best deals. Do not just opt for the first one that you are offered and ensure that the card will be worth it before you apply.

Secured Loan Applications When You Are Unemployed

Applying for a loan when you are unemployed money can be pretty tough. In fact, it is when you are unemployed that you mainly need the extra money that a loan could give you. So are you allowed to take one out or are loans only for the employed? Well, the good news is that you can still get a loan if you are unemployed it is just hard finding a company to help you.

The main reason loan companies do not like lending to the unemployed is obvious – they do not have any source of proper income. So just how exactly could they pay back the loan without proper income? That is something you will have to ask yourself. If you could afford it somehow then that is great and you should not let anything stop you from applying, but if you cannot afford it you should really think again. Getting into any kind of debt is advised against so if you cannot afford the repayments it is not worth applying for a loan of any type.

The best thing is that you are a homeowner and apply to get a secured loan. Tenants can also benefit too. The best way to find the loan that you need is to do a search online. It is hard to find companies which offer unemployed loans as it is without scanning the phonebook for hours at a time! So, do your research and you will find what you are looking for!

HOW PERSONAL FINANCIAL PLANNING COULD HELP YOU

If you are struggling with your loan repayments, you may want to think about personal financial planning. Whilst many people associate financial planning as a method of preventing debt in the first place, it can also help you out of it too. So, if you haven’t yet thought about it now is the time!

Firstly look at everything that you have coming in. Then the more complicated task of working out what is going out of your bank each month. You will need to split it into sections such as loans, food, utility bills, entertainment, clothing and household costs. Once you have written everything down, study the list and see if there is anything you can change. For example, do you buy so many DVD’s a month when you could actually get away with cutting it down? Do you eat out on certain days when instead you could eat healthier and cheaper at home? Are your credit cards the cheapest available and offering the best rewards? Think about all of the unnecessary expenses and see exactly what you can change to give you a little extra money for your loan repayments.

Many people find that financial planning really does help them and it really will make you feel more empowered about your current financial situation.

Suburban House Hunters

When looking for real estate you have a lot of options in who you work with. Working as a team real estate agents have been able to provide better service and more specialized knowledge. This is exactly the reason why The Suburban House Hunters Team was formed.



With agents that specialize in working with buyers and others that deal with only listings it allows each customer to know that they are receiving the best service possible. Suburban House Hunters has agents that cover all of Chicago and the suburbs. Whether you are looking for a home in Algonquin or a condo in Chicago the Suburban House Hunters Team can handle your real estate needs.

Local Car Dealers

I have come across this new car dealers website and I would surely like to write something about it.

I was searching for car dealers near my area when I found this website. Its called Wexu, (I don't know what does this name

stands for (wexu.com)) but it provides quite huge database of all local car dealers in any state, or even in cities of

America. For example, lets say if you are looking for a Ford car dealers in Chicago, the you can just checkout
href="http://www.wexu.com/ford--chicago.html">Ford Chicago or similarly
href="http://www.wexu.com/toyota--houston.html">Toyota Houston for Toyota car dealers in Houston. I tried even smaller

cities and it worked great for them also. I am really impressed. I have been looking for such a car dealers site from long.

So if you are looking for any local dealers of car and don't know where to look for, I would surely recommended this small
href="http://www.wexu.com">online car dealers website to help you. I am sure it would be of great help to you.

Wedding Makeup that Lasts

On your big day, you want your wedding makeup to last. Not only that, but you want to look stunning in your photographs. In order to insure that your makeup will last as long as possible, it may be best to hire a professional to take care of it. However, here is some advice to keep in mind even if you do hire a makeup artist.

Use a makeup base. Several cosmetic companies offer products that go on under your eye makeup or lipstick that help your makeup last. Eye makeup base provides a layer that your eyeshadow and eyeliner can adhere to. This prevents creasing and helps the colour stay on longer. They offer similar products for lipstick. However, try to find a lipstick base that is also moisturizing. Some products contain ingredients that dry the lips out. You'll need your lips to stay nice and moist so you can smile all day.

Get rid of extra shine. A shiny face looks even worse in photographs, especially if the photographer uses a flash. After washing your face, apply an oil controlling product. After that absorbs, apply a thin layer of loose powder. Apply foundation and the rest of your makeup as usual. Follow up with another thin layer of loose powder. Carry some pressed powder with you so you can control any shine as the day progresses.

Lasting lipstick. One of the first things to fade is your lipstick. Follow these tips that will help your lipstick last. First, apply a moisturizing lip base. Then, apply lip liner in a shade that is a little darker than your lipstick. Use a soft pencil. Fill the lips in with the pencil. Apply one coat of lipstick and blot gently. Apply another coat of lipstick but this time do not blot. Press a thin layer of facial tissue gently to your lips. Using a large brush, apply a thin layer of pressed powder to the tissue. The tissue acts as a screen, letting in only a small amount of powder. The powder helps the lipstick set and keeps it on longer.

Pack a makeup bag. No matter how hard you try to create a lasting look, you still may need to do some minor touch ups throughout the day. Pack pressed powder, lipstick, mascara, and eyeshadow just in case your colour needs a boost.

Sally Lopez is a freelance writer and marketing manager of Marcell "Professional Make-up Artists".To learn more about wedding makeup and the latest makeup tips visit www.marcell.com.au.

Photoshop For Beginners

Photoshop for Beginners

Using Photoshop is like driving a bicycle: once you learn, you’ll never forget. It is very easy to use Photoshop for your image editing needs once you learn how by using Photoshop Tutorial which is a great place to start; it would become second nature to you. But just like learning to ride a bicycle, learning to use Photoshop is never easy. Color palettes and the confusing assortment of menus are sure to discourage even the most valiant beginner. Truth is, Photoshop is a very comprehensive tool such that even a professional Photoshop user would be surprised when he does something with it that he never knew was possible.

The fact that learning Photoshop is a very daunting endeavor need not stop you, however. Photoshop was designed for human use so be not afraid to try it. The trick is in trying it first.

To try it, prepare a simple image that you have already backed up since you are certain to botch it your first try. And since learning Photoshop is best done through experience, do not hesitate to try each and every single tool in the vast menus that you have a mind at trying. This would help familiarize you with what these tools can do for you. Of course, you should also read the help section for more specific information and shortcut Photoshop Tools.

After the first try, do not give up. Practice your Photoshop prowess countless times and read more self-help literature for more assistance and check out plenty of Photoshop Tutorials at PS Workshop. In no time at all, you’ll be zipping through Photoshop like a pro.

U Tube

One of the best buzzs on the internet these days is u tube and getting to that point of laughter sometimes is really healthy so I thought that I would make sure everyone knew what u tube video clips were and how you could benifit from them .
There are many differnet categories at u tube so you should be able to find just what you are looking for from Sport to Automotive see example here utube sport videos well hope you enjoy your videos . Catch you soon

SaveOnConferences.com - Audio and Web Conference Calls

SaveOnConferences.com - Audio and Web Conference Calls

Looking for a conference call company that offers web conferencing and local or international conference calls at prices well below the competition? SaveOnConferences.com has all of these services bundled together, and offers excellent service and 24/7 customer support.

Check out their site and receive 60 minutes of free conference call service with no stings attached. SaveOnConferences.com offers competitive rates too, which is something you usually won’t find with a full-featured teleconferencing company; in addition the rate decreases automatically as your volume increases. There is no setup fee or minimum monthly charge; you simply pay for what you use.

SaveOnConferences.com offers direct digital connections, and has relationships with major long distance service providers ensuring that you will get the highest quality service available, along with prices of 50% less than other conference call service providers. Whatever your web or audio conferencing requirements, SaveOnConferences.com offers a high quality service to meet your needs.

Netspoke.com - Audio and Web Conferencing

Looking to impress your clients with your next web presentation? Netspoke.com is the perfect company to help you close that important business deal. Recently acquired by telecommunications giant Premiere Global Services, Netspoke offers a full variety of web conference, audio conference and reservationless or assisted teleconferencing services.

Invite over 500 people to your next team meeting or seminar with Netspoke’s web conference service and host a highly productive event at a fraction of the cost of face-to-face meetings. Engage your audience and boost participation with professional operator assisted conferencing. Netspoke will manage every detail of your conference from beginning to end.


Netspoke boasts an impressive client list, and is now owned by Premiere Global Services, so your company can be confident going into their next web or audio conferencing meeting knowing that the presentation will be a smashing success.

StarConferencing.com - Audio Conferencing

With all the teleconferencing companies out there these days, choosing the best service for your needs can be confusing to say the least. Some require long contracts and commitments, and many of the well known telecommunications companies charge outrageous prices.

Well, I’ve found the most inexpensive conference calls service available. StarConferencing.com specializes in providing audio conferencing for under $20 a month. If you currently are paying more than 3.9 cents for your conference calls (and who isn’t) then you should check them out. StarConferencing.com uses the latest audio conferencing technology on the market for the highest quality conference call experience, so you are paying the best price available and you are still receiving a great quality service.

StarConferencing.com offers access to toll or toll free numbers, can handle up to 125 participants in your call, and provides all the features and controls you need to conduct a professional conference call event.

Great Directory by Jim Westergren!

Jim Westergren has again done a fantastic site - this time a directory.

Check out Add URL-Free.com. It has over 30 000 active links, very nice detail pages and real time editing of links from users.

Here you can for example see a the category Home.

What is also very nice for those submitting is that they can preview the detail listing and edit their links even before the link is officially approved by the editor.

Credit Cards Vs Debit Cards

Although credit cards are the most popular forum of credit around, alternatives such as the charge card also have their benefits. Despite both forms of cards being popular, many people do not know the difference between them. If you are looking for the best type of credit, then you really should compare the relative advantages and disadvantages of credit cards and charge cards. They might serve the same purpose, but if you know the differences between them you can get the right type of credit for your needs and hopefully save yourself some money.It is hard to say which type of card is better, although if you want to carry a balance then you have to opt for a credit card. Credit cards generally have more flexibility, as you can pay the money back more slowly. Credit cards also have the facility for 0% balance transfers which gives a huge advantage. However, if you are someone who always pays his or her bills back in full each month, a charge card might be the answer. This will give you greater spending power when you need it without allowing you to go into debt and pay interest on it.

The Thrifty Scot

The Scottish people have earned themselves a reputation through the years as a plain spoken, down to earth and honest bunch of folks. It makes sense, then, that one of the best sources of financial advice on the Internet should be ThriftyScot.ThriftyScot is a simple, easily navigable site that gives no nonsense, down to earth advice on personal finance. Arranged into several categories, ThriftyScot's advice guides you through the often confusing world of personal finance and leads you towards the best money-saving deals available.Of all the categories offered at ThriftyScot perhaps the most useful is the credit cards section. With advice on credit cards offered by a wide range of lenders.Beyond the credit card pages, ThriftyScot offers fantastic advice on remortgages and secured loans. Since a home tends to be the most expensive and important purchase of your life, it makes sense to find good solid advice before you take out a mortgage. Additionally, it's just as important that you make sure you have all the facts before you take out a loan that uses your home as collateral.

Getting Instant Secured Loans

Although taking your time to find a loan is the best option, there are times when this simply isn’t possible and you need money fast. Generally, these loans will be needed for a short period of time, after which you can pay the money back. Although there are a number of instant unsecured loans on the market, they are usually for small amounts of money. If you need a larger amount of cash quickly, then you should look at an instant secured loan. Instant secured loans can help you can get a decision in just a few minutes, even if you have a poor credit history.There are many reasons why you might need a loan within a very short space of time, although it is usually due to unexpected expenses that you could not hope to budget for. These expenses are usually essential, and can include items such as car repairs, healthcare costs and house repair costs. If you don't have the money readily available but need to pay these expenses fast, then an instant secured loan might be the best option. This is especially true if you have a poor credit history and are unable to get an unsecured loan.

Find A Person By Social Security Number

There are many ways to find people that you haven’t seen in a long time, though it isn’t always easy to do so. You can search through phonebooks, and look for a person online, but this doesn’t always get you what you need. You may also find that if the person you are looking for has a common name, you will have so many results from which to choose that you can’t possibly contact them all to see if you have indeed found the right person. One way to find someone that you may not have considered is to find a person by social security number.
A friend called me some time last year, and she was asking me if I remembered a guy from college that she had dated. I remembered him well, but I had no idea what had happened to him. She said she really felt the need to find him to make sure his life was going ok, because she had felt horrible about how they had ended their relationship. He had an unusual name, but she couldn’t find anything. She did however, for some reason, have his social security number. I put the number into a search and he popped up. This was free, but the free way is often the saddest way to find a person by social security number.
Come to find out, her ex-boyfriend had died in a freak drowning accident. You can’t normally find a person by social security number as easily as I did, but if that person has died, they will be listed in the social security death index. This is often listed online by genealogy sites, and this is where I found him. She was able to find more information after that, and then she was able to mourn his passing and move on with her life.
You can pay to find a person by social security number if they are still alive and well. I’m not sure what the fee for this is because I have never done it. I hear it works well though, and if you really want to find someone, this is the way to go. You can find a person by social security number because this number is used on tax files and other public records. When you pay someone to find a person by social security number, they know exactly where to look to find what you need to know. You can find these companies online; just make sure you are going with a legitimate company before you give them any money.