วันศุกร์ที่ 13 มีนาคม พ.ศ. 2552

Considering Bankruptcy?

By John Cooper

Is your current credit circumstance making you consider filing for bankruptcy? Filing bankruptcy is a "last-resort" move for those who are experiencing difficulty paying their bills.

Frequently, someone who files for bankruptcy has many bad credit marks on their credit report. They often have been rejected for credit recently, have creditors calling them and have multiple bills which they pay late or not at all.

It is common for there will be a home or vehicle which has been repossessed, or under the threat of repossession.

If you are experiencing debt problems such as these, then surely you are looking for relief. Not being able to pay your bills is stressful and truly exhausting.

If you are considering bankruptcy, it is absolutely critical that you discover the permanent ramifications of a bankruptcy.

Bankruptcy laws were created with you in mind. When you file bankruptcy, most or all of your debts will be erased.

This can occur after your assets are divided amongst your debtors. This is possible, through bankruptcy, even if your assets can't pay all your debt.

The simple version of this procedure is known as liquidation, or Chapter Seven (7) bankruptcy. Chapter 7 bankruptcy is the most common type of bankruptcy. A "trustee" or government employee handles all the administrative and supervisory duties of the bankruptcy proceedings.

Chapter 11, 12, or 13 Bankruptcy will give rehabilitation to your business, and the choice of using future earnings to pay creditors. Once you start the bankruptcy proceedings, lenders can no longer attempt to collect your debts.

Also, you will not be able to transfer any assets that are part of the estate (so, forget about hiding your savings account or gold coin collection with a trusted relative or friend!) Further, transferring ownership of assets prior to filing bankruptcy typically does not work, and many are invalidated.

Recently, the U.S. Supreme Court decided that retirement saving accounts do not have to be included in your liquidation.

Bankruptcy and your credit reports - regardless of which bankruptcy you choose, it will typically remain on your credit reports for 7 or 10 years. Filing for bankruptcy frees you from your existing creditors, but not from any future creditors.

If you do file bankruptcy, it will narrow your choices. High credit is possible to restore, but it will take some time and patience.

Things to remember:

1. Any derogatory credit item can potentially be removed from your credit report.

2. New, current good credit lines will make your score improve.

3. Old, negative credit falling off your report will also boost your score over time.

4. You must monitor your credit reports regularly - and dispute questionable derogatory marks such as charge offs, collection items, and late payments.

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Understanding Equity Loan Bad Credit

By Jim Peters

Do you need to buy something that is big in value like a car? You will need quite a bit of money or credit. But with that awful credit rating that is branded on you, you know that applying for personal loans from financial institutions will just yield to staggeringly high interest rates.

Equity Loan Bad Credit

So what do you do? There is one way for those who need some cash right now to look at equity loan bad credit suggestion. Many local banks or lenders will actually give you the loan, but with the option of mortgaging your property.

If you want to sign for such a loan, please be careful, I am sharing some pointers here if you want to take up the loan.

1. You may want to repair your credit rating first. You can do this yourself by requesting your credit report from the three credit bureaus and check whether or not the data they have is accurate. Let's say if the money is not a very urgent need, use that time to rebuild your credit ratings.

2. Shop around and see which one gives you the best rate for your loan. You may have a bad credit score but that does not mean you settle for the first offer.

3. Be very wary of scams on equity loans. There are unscrupulous individuals that will ask you for money before they give you any service on your equity loan. Remember this when you look at the offers.

The above are just a few of the many tips that I can give. Be sure to also consult a friend to give you the best advice.

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Get 1st Page Google Ranking in 24 Hrs. Using Keyword Research

By Ron Medlin

Google keyword research is an integral step you must take when beginning the process of building web pages or creating content, if you stand any chance of ranking high in google search engine rankings. Finding good keywords or keyword phrases that have alot of searches but little competition is key to getting ranked high in google organic search results.

Researching keywords using Google's free keyword tool:

If you dont want to buy one of the pay keyword tools you can simply use the Google keyword research tool which is a great tool in itself, it just takes a little more time.

Let's define some terms before moving forward. Keywords can be broken down from very broad terms, "Market Keywords," to slightly more targeted smaller groups, "niche keywords," all the way down to very targeted "micro niche keywords."

As a rule, you generally want to search for the subcategory "niche keywords" or "micro niche keywords" because their is far less competition then with "market keywords," making it much easier to rank on google. For instance, to rank for Network Marketing tips (101,000 sites listed) is way easier then ranking for Network Marketing (11,800,000 sites listed).

To drill down and find these "niche" and "micro niche" keywords, type your "market" keywords into the Google keyword tool and then click get keyword ideas. Sorting by approximate search volume, keywords having over 10,000 of these searches will probably be too competitive. Also don't pay attention to keywords that have much lower then 1,000 searches.

Find the keywords that fit the above criteria, and start typing them into Google with quotations around them. When you find some suitable keywords with less than 50,000 sites listed (less than 150,000 if you know advanced SEO), those are the keywords you want to create your content (Videos, articles, squidoo pages, blog posts, etc.) and websites around. Make sure your content is rich with these particular keywords.

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