วันพฤหัสบดีที่ 30 ตุลาคม พ.ศ. 2551

What is Screenwriting?

Simply put, it is the art of writing scripts for a visual medium. Unlike a play where the action is "talked out," the action within a screenplay is "acted out" visually. The old saying, "a picture is worth a thousand words" was never more appropriate in relation to screenwriting. Having had the benefit of reading many screenplays as a reader, one of the most annoying, teeth grinding, nails against a chalkboard, signal of bad screenwriting is when the reader is told something instead of shown something. For example, I can't put a number on the amount of screenplays I've read with descriptions like this:

"JOHN enters the room. He is Frank's best friend and the life of the party."

OK. We, the readers, are supposed to know this because the writer said it? What makes matters worse is when, right after making this statement, the character of John engages in an activity or line of dialogue not even remotely associated with his "life of the party" description. In a movie script, the writer should introduce every action and/or character the same way the moviegoers will be introduced to them on the screen. Now compare the above introduction of John to this one:

"As Frank makes his way through the crowd of people at the house party, his attention turns to where the loudest commotion is coming from. As he enters into the living room we see his friend JOHN surrounded by hoops and hollers, dancing on a table while a beautiful topless blond sits on a chair receiving a lap dance from him."

Get it? Now doesn't this get the point across visually that John is not an introvert? In screenwriting you must always check to see if what you are trying to get across is being transmitted visually at all times. Not to downplay or trivialize dialogue, but no matter if the movie you are watching is good or bad, you can watch a movie on cable, turn down the volume, watch the movie from beginning to end with no sound, and know exactly what the movie is about. Why? Because a screenplay has to be VISUAL or else the movie will not be made. To show you just how important visual writing is, some writers do not write a line of dialogue until the structure and flow of the action is completed from beginning to end. They write the dialogue last because when they go to each scene, know what the scene is for, and what will happen in the next scene, they will be able to write the dialogue within a context.

"How NOT to write a screenplay: 101 Common Mistakes Most Screenwriters Make," by Denny Martin Flinn, is probably the first book you need to read if you want to know not only how a good screenplay is NOT written, but also the mindset of the Hollywood script reader. This is important because if you don't impress the script reader, the person the people with the money use to filter out the good from the bad screenplays, no one else will see it. You may not write a great script after reading and applying the wisdom within its pages, but you will not write a bad one.

On the flip side if you want to know HOW to write a screenplay, look no further than "Screenplay: The Foundations of Screenwriting," by Syd Feld. I personally recommend this book because not only is Mr. Feld known as "the father of structure," but also he deals specifically with the art of screenwriting and less with the business of the movie industry. No need to rush. That part will come later. "The Screenwriter's Workbook" is another book by Syd Feld and the companion book to Screenplay: The Foundations of Screenwriting.

"500 Ways To Beat The Hollywood Script Reader: Writing the Screenplay the Reader Will Recommend," by Jennifer M. Lerch concentrates on how to make your screenplay enjoyable to the Hollywood reader and literally gives you 500 ways to avoid having your script scrapped by the reader and passed on to the people who can bring your idea to life.

"The Screenwriter Within: How to Turn the Movie in Your Head Into a Salable Screenplay," by D. B. Gilles and "How To Write A Movie in 21 Days: The Inner Movie Method," by Viki King are two other books I personally recommend. Both books deal strictly with the screenplay itself and less with the movie industry. Trust me, you will have plenty of time to deal with that hurdle once your final draft is completed.

Mr. Mark S. Gonney is a former script reader for The Urbanworld Film Festival and an article writer for screenwriting-resources.com.

Screenwriting, Screenplay, and Movie Script Resources for Writers: The online resource directory geared towards helping writers overcome the peaks and valleys of the creative process and complete their final draft!

วันจันทร์ที่ 27 ตุลาคม พ.ศ. 2551

10 Proven Ways to Breakthrough Web Traffic!

Here are 10 great ways to boost your web traffic:

1. Consider trading links with other websites. Make sure the website you are trading with has the same subject as your site so that you receive highly targeted traffic. Trading links is so effective because those who come to your site through another site of similar content, are sure to be interested in what you have to offer. Also consider trading banner ads, half page ads and classified ads.

2. Write articles relative to the subject of your website. Include your website link and website information at the beginning and end of each article and then submit them to ezines and websites of the same subject matter as your own website. This way you will receive highly targeted traffic, and if your article is well planned and well written, then you will gain respect from potential customers.

3. Give away a free ebook to everyone who signs up to your ezine or becomes a member of your site. This will act as an incentive for browsers to sign up and become potential customers and will also encourage visitors to tell their friends about the freebie on your site.

4. Start an ezine for your website. This will remind people to come back to your site to check for updates. It will also encourage people to tell their friends. Be sure to have a "tell a friend" link in the ezine, which readers can click to recommend your site.

5. Start a recommendation system, where you give out rewards to those who recommend your site. This will give your current visitors and incentive to tell their friends. People listen to what their friends say and think and so will definitely explore your site.

6. Create your own ebook. The ebook should be on a subject relevant to that of your website. Make sure to include links to your site in the ebook but be sure that readers know what they are clicking on; otherwise they are unlikely to click. State clearly that readers may give your ebook away freely to others. This is a sure-fire form of viral marketing.

7. Participate in forums and discussions on the internet relevant to the subject of your website. Give helpful advice to those who need it and if they are pleased with your help, then they are very likely to visit your site. Make sure you leave your website address and website information at the end of every post.

8. Use traffic generating websites to temporarily boost your traffic. This will gain your site fast, free traffic and will guarantee a steady flow of traffic. Make sure the webpage you advertise stands out immediately for maximum results.

9. Hold a contest or competition on your site. This will bring people to your site if there is a good prize and not only will you gain people's email addresses, you will also have them returning to your site periodically to check whether the results of the competition are out. You will also gain much targeted traffic if the prize is to do with the subject of your

10. Participate in chat room discussions relevant to the subject of your website. If you discuss well and interestingly, while adding your link into the conversation every now and again, then people will go to your website with a very positive impression. They will trust you too, and therefore they are more likely to buy a product from your site.

For more information on this subject or about making money online go to http://www.info-ebooks.co.uk

100s of free ebooks and software products are also available at this address.

Thanks for reading,

William Johnston
(will@info-ebooks.co.uk)

วันเสาร์ที่ 25 ตุลาคม พ.ศ. 2551

Enough Warm-ups, Already!

Among those arriving to the stadium early were two old timers: a husband and wife who always attended these events, and who were former runners themselves. In fact, they were world-class champions whose races were the stuff of legends. They could recount, if they chose to do so, tales of close races, humiliating defeats, and former glory.

Their conversation, however, centered around the newest runners, a brother and sister. This was to be their big day, the opportunity of a lifetime.

"There they are, warming up," the old man told his wife. "They look healthy enough. Do you remember how anxious I was when I was out there?" She nodded and patted him on the arm. "Their turn now," she said, giving him a warm smile.

As the stadium filled up, the runners made their way onto the track. They were stretching, jogging, or taking off their sweats. Officials were busy checking schedules or inspecting starting blocks.

"What's happening?" the old champ asked. "Why isn't she lining up with the other women?"

"I don't know," said his wife. "Maybe it's not her heat." She looked again at the program, which listed only one race for women, one for men. The center of their attention continued to stretch and to exercise on the sidelines, even as the other women poised for the race to begin.

"BANG!" The rest exploded from the blocks, but the young athlete took no notice, continuing her stretches, losing by default. Minutes later the old couple saw their hero male runner do exactly the same thing. It was frustrating and bewildering for Abraham and Sarah to watch, as well as for the other hall-of-famers: David and Deborah, Gideon and Moses, and Rahab. Why didn't they run? You can't win if you don't run.

The biblical book of Hebrews, chapter 11, lists for us runners some of the Olympians in the audience, every one of them rooting for us. It's time we got out on the track, the race is about to begin. It's time to shed our warm-up suits and take our places at the blocks.

It's our race now, and our coach assures us of victory. But we actually have to run the race. You can warm up only so long. Then you must run! "Let us run with patience the race marked out before us, looking to Jesus?" (Heb. 12:1-2).

Copyright ?2005 Steve Singleton, All rights reserved.

Steve Singleton has written and edited several books and numerous articles on subjects of interest to Bible students. He has taught Greek, Bible, and religious studies courses Bible college, university, and adult education programs. He has taught seminars and workshops in 11 states and the Caribbean.

Go to his DeeperStudy.org for Bible study resources, no matter what your level of expertise. Explore "The Shallows," plumb "The Depths," or use the well-organized "Study Links" for original sources in English translation. Sign up for Steve's free "DeeperStudy Newsletter."

วันพุธที่ 22 ตุลาคม พ.ศ. 2551

Close More Sales With This Very Simple 3 Step Sales Process.

As Financial Services Sales Professional you need to build trust and rapport in order to close more sales. By using a simple 3 Step Sales process you will able to close more sales and earn more commissions.

Step 1 - Contacting the Lead

For most Financial Services Sales Professionals making that phone call to set the appointment is often the hardest part of the sales process. Well it just got easier. You call the prospect and say

  • Hi Mr Prospect
  • wait for Reply
  • My name is Mike Makler and I received your name from a form you filled out on my web site. It says here you are interested in a possible Mortgage Refinance, some life insurance and retirement planning. Does that sound about right
  • wait for Reply
  • Mr Prospect this is how I work I would like to meet with you for about 15 Minutes and have you fill out a brief questionnaire to see if I can even help you. I promise I will not try to sell you anything I will be in your area tomorrow would Morning or afternoon be better.
  • wait for Reply
  • Great Morning it is. Do me a favor mark your calendar and I look forward to seeing you tomorrow morning between 9am and 11am

Step 2 The First Meeting

Remember the first meeting is where you get to know your prospect. Have a questionnaire prepared in advance with the questions related to their situation. Most good sales organizations will offer you online and offline tools with questionnaires.

The Sales call will go something like this. You Make some small talk, then have the client fill out the questionnaire. You say goodbye to the client and tell them you will get back to them to see how to proceed. In some cases you may want to make the 2nd appointment on the spot in other cases you may want to wait.

Before you leave ask for some leads.

Step 3 The Sale

The second meeting is where you make the sale. You go back with the questionnaire and at least 2 proposals on how you can meet their needs. If you get the sale or not always ask for leads. If you get the sale or not ask them if it's ok if you check back later on to review there situation.

About the Author
Mike Makler Offers Financial Services (Mortgages,Life Insurance, Annuities) in Florissant Missouri which is in North St. Louis County Missouri Just Across the Bridge from St. Charles Missouri

Call Mike at 314 398-5547

Visit Mike's Web Page:
http://ewguru.com/finance

For Missouri Specific Insurance and Loan Questions:
http://ewguru.com/Mo-Finance

Get Mike's Newsletter Here
http://ewguru.com/fin-news

Copyright ? 2005-2006 Mike Makler

วันอาทิตย์ที่ 19 ตุลาคม พ.ศ. 2551

Seven Strategies to Bolster Your AdWords Campaign

So, you've tried all the marketing techniques you have read about, and you're now ready to dabble on some pay per click magic. But this form of online wizardry needs more than just a sleight of hand, as it requires careful planning and a good sense of what should be expected.

We're talking about AdWords, that Google program that allows you to advertise your site through a link that is displayed prominently in every page of a search performed on keywords relevant to your business. The way it goes is that people would bid or certain keywords. The winner of the bid would have the link to his site attached to every query that contains the said keywords.

The bid price is not the only consideration in awarding keywords. Your Click Through Rate, or CTR, also plays an important factor. CTR is acquired by dividing the number of times a user clicks on your link whenever it appears on search engine results. Whenever your site's link appears in a search query, the event is called an impression. To illustrate, supposing your site's link appears 200 times in several searches. Your impression would be 200. Supposing further that 2 users click on your link during this period, your CTR would be 2/200, or 1%.

The best thing about AdWords is that the winner of the bid only has to pay when a user actually clicks on his link. This method has given birth to the term Pay Per Click, or PPC.

Here are some strategies to help you develop a strong AdWords marketing campaign.

1. RESEARCH YOUR KEYWORDS WELL. If you have an existing business, make sure that the keywords you will choose are widely used words or phrases that people type in their search queries. If you have yet to setup a business, make sure that the keywords you are considering are actually profitable, meaning, they cater to a market with a high demand.

2. CONSIDER CREATING MULTIPLE ADS FOR EVERY KEYWORD. By having several ads appearing for the same search query, you would be able to determine which works best. The ad that performs best should be used as a model for subsequent ones.

3. DO YOUR ACCOUNTING AND SET A BUDGET YOU'RE WILLING TO SPEND PER DAY. Google allows you to set a cap on the number of hits you could generate in a day. Study your finances and come up with a ceiling that would not eat up a substantial portion of your projected earnings.

4. WRITE YOUR ADS WELL. Make use of words that would attract the readers' attention. The words should be powerful without being flamboyant. The ad should also read nicely, with a good flow and accessible character. Do not write more than what is needed nor less than what is required.

5. ALWAYS STUDY YOUR ADS. Even if they are prominently being published on Google's search pages and producing passable CTRs, you should always take time to study and refine your ads. Changing their structure from time to time would also help in winning back the attention of those who have viewed them before. Dispose of the ads that are not performing well and design new ones.

6. TRACK YOUR ADS. There are many tools available on the net that would allow you to track which of your ads produce the most visitors. These tools would help you a lot in weeding out non-performing ads and discovering a pattern that makes your successful ones tick.

7. DESIGN NOW, ADJUST LATER. Since Google considers CTR before awarding a keyword, it is required that you produce a site that is rich with informative content. Content is what attracts visitors and increases your ste's CTR. Once a keyword has been awarded and your ads are producing a consistent number of hits, you could adjust your landing page to include a sales copy that would convert your visitors into successful sales. A good sales copy can also be informative despite being a sales pitch.

It has been said the Google AdWords is a fair playing field where the system does not choose between the rich and poor webmasters. But you could always play it smart and get the most out of AdWords.

Dave Drake is an author of online articles relating to Internet Marketing. To look at other articles and learn about a 3-step system on internet marketing that will show you a step-by-step system to make a residual income from home using the internet visit: http://www.workathome3-stepsystem.com

วันพฤหัสบดีที่ 16 ตุลาคม พ.ศ. 2551

How Being a Mom Makes You a Better Professional

"Becoming a parent can make you a better worker," New York Times writer Lisa Belkins said in a recent column.

I'd always heard that becoming a parent made MEN better workers. The common "wisdom" said fatherhood made men more stable and better motivated.

Women, the old prejudice held, would become unreliable once children arrived. Motherhood would bring distractions and increased sick days on account of small, runny noses at home.

My own experience has been mixed. In my early days of motherhood, I concluded that each sleep interruption meant a loss of 10 points from my IQ the next day. And small, runny noses, fevers and upset tummies did indeed take a toll on my work attendance.

At the same time, I began to discover professional advantages to being a parent. For example, I had a whole new way to connect with other parents and with children.

When preparing children's sermons for the various churches where I preached, I could tune in to preschoolers' joys, questions and fears in a new way. As a hospital chaplain, I better understood the anguish of dying parents who were leaving young children behind.

But you don't have to be working directly with children or parents to get a professional edge from parenting.

Good parenting helps you zero in on what's truly important. You become more skilled at setting priorities.

Parenting helps you develop patience and empathy, too. Learning to read your pre-verbal child's body language and vocal tone provides an excellent tool for sensing discomfort in colleagues or clients.

And, as you learn to nurture your children's skills, you can become better at supporting subordinates' and colleagues' skill development.

You may even become more efficient. In "The Working Mother's Guide to Life" (Three Rivers Press), Linda Mason quotes a financial planner named Lara:

"I now work much harder than most people, and I tend to make the most of the time I have. I am more efficient because I have to be. I get done in eight hours today what I used to do in twelve. Honestly."

Sometimes, the connections between parenting and your profession can bring a smile.

Ann Crittenden wrote "If You've Raised Kids, You Can Manage Anything"(Gotham Books) after she noticed the similarity between advice books for moms and advice books for managers. Dealing with executives, co-workers or clients turns out to be pretty similar to dealing with toddlers or teenagers.

So. Growing into parenthood has given you more empathy, patience and efficiency, and you can better set priorities and help others grow.

Excellent qualities in any professional!

Why not take a moment today to appreciate the increased skill being a mom lets you bring to your profession? Then, step out with confidence and pride in who you have become.

(c) 2004 Norma Schmidt, Coach, LLC

Norma Schmidt, Coach, LLC, specializes in helping women who are both professionals and parents to create balance. She offers teleclasses, workshops and individual and group coaching. Norma publishes "The Balance Point," a free e-zine, every other Friday. Visit http://www.NormaSchmidt.com

วันอังคารที่ 14 ตุลาคม พ.ศ. 2551

At Last! Good News For Gout Sufferers!

Gout, an arthritis affliction with its roots in antiquity, has not always been easy to treat. The traditional medicines employed for gout have been non-steroidal anti-inflammatory drugs (NSAIDS), colchicines, probenicid (Benemid), and allopurinol (Zyloprim).

Unfortunately, while effective, these drugs have their drawbacks. NSAIDS cause gastrointestinal complications; colchicines has been linked to severe neurologic and gastrointestinal problems; probenecid cannot be used in patients who do not have normal kidney function; and allopurinol has been associated with severe side effects including liver, skin, and blood toxicity.

Interestingly, drugs you may take for other medical conditions may help you with gout. Losartan (Cozaar), a blood pressure medication, and fenofibrate (Tricor), a triglyceride-lowering drug, works as mild uricosuric drugs. This means these agents help the kidneys get rid of excess uric acid- the major ingredient in the crystals that cause gout pain.

By the same token that some medicines taken for different conditions may help gout, others may hurt it. For instance, certain diuretics may elevate blood uric acid. The same is true for low doses of aspirin.

A new medicine, febuxostat, has recently undergone clinical trials. This medication is being heralded because of its safety profile.

Obviously, all medicine decisions should be made in concert with your physician.

Dr. Wei (pronounced "way") is a board-certified rheumatologist and Clinical Director of the nationally respected Arthritis and Osteoporosis Center of Maryland. He is a Clinical Assistant Professor of Medicine at the University of Maryland School of Medicine and has served as a consultant to the Arthritis Branch of the National Institutes of Health. He is a Fellow of the American College of Rheumatology and the American College of Physicians. For more information on arthritis and related conditions, go to: http://www.arthritis-treatment-and-relief.com

วันเสาร์ที่ 11 ตุลาคม พ.ศ. 2551

What is a Bridging Loan?

A bridging loan as the name implies is a loan used to "bridge" the financial gap between monies required for your new property completion prior to your existing property having been sold.

A bridging loan is in simple terms a short-term mortgage that is secured against the property that you are selling, with the money that is lent being used to complete the purchase of the new property. Because of the nature of their use, bridging loans can be arranged in a very short period of time, usually around seven to ten days, which is important when you need to complete on the purchase or risk loosing the property.

Bridging loans are short term loans arranged when you need to purchase a house but are unable to arrange the mortgage for some reason, such as there is a delay in selling your existing property. Timing is of the essence when selling one property and buying another. Sometimes if you are looking for a new home and the right property becomes available, it is not always possible to wait until your current home is sold.

The beauty of bridging loans is that a bridging loan can be used to cover the financial gap when buying one property before the existing one is sold. For example, if you are in a chain, where you are buying a property at the same time as selling a property, it's possible that you'll be put in the situation where you need to complete your purchase, but the funds from your buyer are not available. You are now under pressure to complete on a particular date but do not have the funds available. This is where bridging loans come in. They are looked on as short term lending to cover a specific short term need.

Bridging loans can be arranged for any sum between ?25000 to a few million pounds and can be borrowed for periods from a week to up to six months. Because of the nature of bridging loans they can usually be arranged at short notice and within a few days. Bridging loans are widely available and can usually be arranged by your existing mortgage provider.

A bridging loan is similar to a mortgage where the amount borrowed is secured on your home but the advantage of a mortgage is that it attracts a much lower interest rate. While bridging loans are convenient the interest rates can be very high. When considering a bridging loan please remember that you may be paying not only for the bridging loan but also for the mortgage on your existing property. Although bridging loans are convenient, you need to consider the pitfalls too, like the high interest rates.

The downside to the fast nature of these types of loan is that the interest rates charged on them are relatively high, this is because not only are they short-term and for large amounts, but the risks to the lenders of non-payment are higher than for other circumstances and this is taken into account when the loan rates are calculated. Although the rates are high when compared to other loans available on the market, when you take into account the short amount of time over which this interest is charged, and the benefits that a bridging loan can bring, the costs are reasonable.

Bridging loans are designed to provide you with the equity from your current home in order to make your new purchase, before you are able to sell your own property. The loan is secured against the home that you are selling in the form of a mortgage or second mortgage, and will allow you in general to release around 65% of the property's value. With these funds you are then in a position to complete the purchase of the new property, and once your old property sells you can clear the bridging loan. If you are considering such a loan, you should be confident of a sale, and that you will be able to clear the debt within six months, as the high interest rates are something that you do not want to be paying long-term.

Bridging loans are available to the people that have found it more difficult to get mortgages, such as those with an adverse credit rating. This enables these people to build a track record before applying for the traditional mortgage. Bridging loans can take from 48 hours at the shortest to around ten days if the circumstances are more complex.

Despite the costs, bridging loans are very popular, after all if you have spent a lot of time searching for the perfect property you will not want to miss out on it because of a relatively short delay in the sale of your current property. It is in these cases where bridging loans can prove invaluable, enabling you to secure the sale of the home that you want, and concentrate on the sale of your property at a later date.

Bridging loans can be provided for:

Residential property

Commercial property

Land

New build

Renovations or refurbishment

Speculative properties

Conversions

Overseas property

You may freely reprint this article provided the author's biography remains intact:

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

วันพุธที่ 8 ตุลาคม พ.ศ. 2551

Dare To Dream

The rewards of life come to those who do, not to those who
merely read, talk or day dream. Action is the key.

Okay I want you to answer this question:

"In December of last year did you achieve all you set out
to achieve in January of the same year?"

This is a 'yes or no' answer, so don't spend too long
considering it.

The answer, of course, is 'no' - unless you are a
pathological liar!

Next question: "Did you set out to achieve anything last
year?"

Aha! Now that's a more interesting question I think.

Deciding at the start of a year that you want to achieve a
certain result by the end of that year, is an example of
our old friend goal-setting.

High-performance people set goals. Winners set goals.
Losers never set goals. Why? Because it takes about 20
minutes of concentrated effort to write down your goals,
and losers have far more important things to do than this.
It interferes with valuable boozing time, for example. Such
a task would take up nearly a whole episode of a soap
opera. You could read a trash newspaper from cover to cover
in this time.

But there is a more important reason why many people don't
write goals. It is this. Writing goals commits you to
action, otherwise there is little point in writing them.

Turning your dreams (goals) into reality will not happen
automatically. It will require work and effort.

"Ohmygod!!! WORK, and EFFORT??? Forget it man! I'm not
writing down anything on a piece of paper which will commit
me to that!"

This is why people do not set goals (write down their
dreams). They cannot bear to have that piece of paper
leering at them in silent accusation as the months tick by.

But what is at stake here? Nothing less than undreamed of
wealth, unlimited happiness, and a totally fulfilled life.
Perhaps more importantly, you can meet your fear head on
and live like a warrior, not a frightened rabbit.

The older I get the more I wonder what the hell we're all
so afraid of. Like you, I travel the world and see or hear
about real problems; murder, torture, death, disease and
starvation. Then I return to this grey, stuffy country to
witness intelligent and privileged people wasting their
lives away down the pub or propped in front of the TV
screen for (on average) four hours each night! Unbelievable!

And these people are also timid beyond belief. They are
completely risk-averse and will run bleating to the
authorities if the tiniest upset ruffles the calm waters of
their uneventful lives. I am saying all this in the hope
that it will make you shudder. None of it applies to you,
of course.

Achieving great wealth and happiness starts with having a
dream. Today's dreams are surely tomorrow's realities. So
you blew it last year? You have a chance to redeem yourself
this year - if you have the guts of course.

Got any fight left in you, or have you thrown in the towel
long ago? Are you a shivering, frightened little mouse or a
human being prepared to fight and win? Are you going to
spend the rest of this year bleating and moaning about how
you cannot succeed? Or are you going to do something about
making your own success a reality?

Are you prepared to fight?

-----------------------------------------------------------

For the complete article please visit www.eshopwindow.com
or get the 6 Action Steps Necessary For Success at
www.eshopwindow.com/contact.htm.

-----------------------------------------------------------

วันอาทิตย์ที่ 5 ตุลาคม พ.ศ. 2551

How to Dress for the Business World

1. Treat your business clothing as an investment and choose wisely. Make sure you buy classic styles that suit your body shape, are comfortable, have quality workmanship and quality material. This is no time to try the latest fads. Take your time and shop around for the best price and the best service. Be aware of the return policy and if possible purchase your wardrobe items at a store that can do professional alternations if necessary.

2. For business situations match your handbag, shoes and belt. Black shoes should be matched with a black handbag. This is not a time to get creative with your accessories or to wear colored shoes.

3. Do not neglect your outerwear. Purchase a good quality coat that can be worn with either pants or a skirt. For cooler weather don't neglect your outdoor footwear. For skirts choose long knee-high boots.

4. Keep shoes and boots in a good state of repair. Scuffed shoes with worn heels will ruin the look of your outfit.

5. To complete your look choose soft leather gloves that will add a nice touch as well as keep your hands from getting chapped.

6. Choose clothing material that reflects the season. Heavy fabrics and tweeds are best for Fall and Winter and will look out of place during Summer, as light linen fabrics will look out of place during Winter.

7. Always wear a belt where there are belt loops. Choose a good quality leather belt and don't be tempted to wear a flashy or plastic belt. If you don't like belts choose pants without loops.

? Copyright Sheila Dicks 2005

Sheila Dicks is an Image and Wardrobe consultant who helps women learn how to dress to suit their body type and look fabulous. You can reach her at http://www.sheilasfashionsense.com and get the Free Report " 7 Things Your Girlfriends Won't Tell You About Beauty and Fashion".

วันพฤหัสบดีที่ 2 ตุลาคม พ.ศ. 2551

Credit Help for Real Estate Financing: Credit Scores

When you buy real estate, lenders run all of the "big three" credit bureau reports. Each credit reporting agency lists your credit history as supplied to them by the individual lenders and includes governmental records. Each report assigns a credit score number to you. The credit scores reflect your theoretical risk of default to the lending institutions.

Software developed by Fair Isaac and Company generates your "FICO score." Experian uses a system called Fair Isaac Risk Model, a computer program which rates you with a score according to Experian's information. Equifax bases scores on BEACON programs and TransUnion bases scores on EMPIRICA models.

Your Baseline

You have three credit scores, often called FICO scores, one from each credit bureau. The lender takes the middle score as your baseline. Lenders have different standards, but generally a "C" score is around 500 to 600, a "B" is around 600 to 680, and an "A-" is above 680. Over 700 is the magical number that gets you the attention you desire. If your score is under 500, find someone to privately finance for you or a partner with good credit while you work on improving your score.

How Lenders Rate You

Credit score Available mortgage financing
720 - 800 Superb! You get what you want
700 - 719 Wonderful! You get top rates & terms
680 - 699 Good! You get good rates & terms
660 - 679 All right. You pay higher costs & rates
640 - 659 Okay score if good income
620 - 639 Weak. You need good income & some money
600 - 619 Poor. Use creative loan broker & pay more loan costs
580 - 599 Almost impossible without large down payment
Under 580 Work on fixing credit without delay

What Does Not Count In Your Credit Score

The scoring model doesn't compute:

Age & gender
Race
Whether you own a home or rent
Length of time at your current address
Job or length of employment at your job
Income
Education
Marital status
Whether or not you've been turned down for credit.

Real estate lenders don't just consider your credit score when you apply for mortgage financing. Understanding your credit score helps you with this one part of your mortgage requirements.

Copyright ? 2005 Jeanette J. Fisher - All Rights Reserved.

Professor Jeanette Fisher, author of "Credit Help! Get the Credit You Need to Buy Real Estate," "Doghouse to Dollhouse for Dollars," and other books teaches Real Estate Investing and Design Psychology. For more articles, tips, reports, and newsletters, see http://www.recredithelp.com/