 Capital One® No Hassle CashSM for Students - Credit Needs Improvement
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Intro APR: 0%
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Issuer: Capital One
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If you have a limited credit history or past credit problems, this cash rewards card is for you. Apply for
Capital One® No Hassle CashSM for Students - Credit Needs Improvement
Establish Credit - Save For Your Next Big Purchase
* More cash back - 25% annual bonus on the cash you've earned during the year
* No catch - 1% cash back on purchases you make from day one
* No limits - No limit on cash back
* No Expiration - Rewards won't expire for the life of your account
* Great savings - At Capital One Saving ZoneSM on Yahoo! Shopping
* Don't forget - 0% APR on purchases until June 2008
Once your card arrives, use your own image to make it unique with Capital One Image Card!
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 Apply for Capital One® No Hassle CashSM for Students - Credit Needs Improvement
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Debt management is not just a term that financial advisors use when their clients are in trouble. Controlling debt is the best way to stay away from costly mistakes spending and borrowing money without keeping in mind factors such as, buying with cash or credit, loan terms, interest rates, refinancing and so on. On the other hand, there is good debt and bad debt. Borrowing money to pay for a college education, or buying a home, is considered good debt because you are investing in personal assets that over time are worth the extra expenses and can have life long benefits. However, bad debt comes mostly from indiscriminate credit card usage, particularly among teenagers, but nobody is exempt here. It is never is too late to learn how to budget, save and avoid costly financial mistakes. I realize that most everyone hates the word, Budget, however, it really is what brings financial success. It is a compass, a guiding light, a path towards where you need to go to achieve what you want in life. If you were going on a trip by car to somewhere you had never been before, would you bring a map ? Of course you would. Otherwise, you would get lost and end up in frustration and wasted money and time. A budget is a map that leads you to where you want to go financially in your life. If you do not have one, you will surely regret it sooner or later. Financial planning is one of the best things you could ever teach your children as they are growing up. Remember, that vacations, consumable items, and similar things are considered bad debt, especially if you are charging your credit card instead of applying for a loan, or getting money from the equity built into your home to pay for the things you need. But when it comes to necessary outlays, everything depends on your approach to managing your finances adequately to repay the money you owe. Checking success histories of wealthy people you will find out that many of them borrowed money to reach the status that they actually have, but controlling their expenses instead of sinking into bad credit situations was one of their secrets. Determining whether you can pay for goods over the next few months or year or not, makes sense in controlling your debts. If you borrow money or buy items with the idea that credit is for acquiring what you cannot afford with cash, you are digging your own road towards ruin. The larger your ogligations with no solid logical basis, the greater your chances are for financial disasters in the future. You can use this to your advantage, managing amounts owed over time. If you have not set up a budget for your household expenses or your office operation, begin tracking your spending for the next few weeks. Knowing where your money goes makes it easier to manage. Most people know where their money comes from, but very few know where it goes after receiving their paycheck. Subtracting taxes and all your monthly fixed and variable expenditures, you can have a better idea on how much money is available for paying off your creditors. Consider fixed expenses and all the payments that you have on a regular basis, such as food, utilities, transportation, insurance, housing, and so on. Take your income and subtract these amounts and that leaves you with the cash you have to pay off your indebtedness. No matter how important entertainment is for you, this and other things such as restaurants, trips, or shopping, must be watched closely to control spending efficiently. Once you determine the amount of money available for paying off your liabilities, then you will know if you can afford to borrow money for getting assets that increase in value, or in other words, good debt. Always keep in mind the real cost of credit cards, and avoid purchasing items that depreciate in value. If they are absolutely necessary, get them, but use cash instead of credit if possible. The same holds true for consumable items - buy with cash, or if you have to use plastic, be sure to pay off the balance each month. Controlling debt is easily achieved by controlling your expenses, and following a personal budget, which in the long run helps you to keep or improve your Credit Score and your prospects in life. |
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People visit your website for the content. So, ideally, you're giving them content that's timely, relevant, and useful (and sometimes even entertaining). Deliver and present that content to readers in a professional manner and you have yourself a winning newsletter. Well, almost. Most of you have competitors. There's no reason why they can't publish valuable content, too. In fact, it takes considerable skill, innovation, and effort to stand out through content alone (just ask those who've managed it). Injecting personality into your publication is one way to give yourself a little edge in the battle for the hearts and minds of the market. You're probably using your newsletter to "build long-term relationships and a better rapport with customers or prospects.” Valuable content is the foundation on which this is based. Personality is the icing on the content cake. A little dose of personality helps build that reader rapport and adds uniqueness to your publication; it's something competitors can't copy so easily. The right personality can also complement the image of your brand, products, services, or company, essentially reinforcing whatever impression or message you're trying to communicate. This is all well and good, but what is this personality? No doubt there are various dictionary definitions, but I prefer to think of it like this: If content is what you say, then personality is how you say it. It's the sum of all the distinctive characteristics that makes your website’s voice and writing unique: your style, tone, humor, emotion, vocabulary, attitude and more. So how do you give your website the right dose of the right personality? Think of your website as a one-on-one conversation. Just imagine sitting in a coffee shop talking informally with a customer. That's the starting point for your approach—a more personable and appropriate "human" voice will come naturally. When you picture the coffee shop scenario, you quickly see how inappropriate (not to say ridiculous) some of the more traditional styles of customer communication can sound on a website. Drop the jargon, drop the sales pitch, be as honest as you can, and talk like a human being. Refreshing idea, isn't it? The personality of the writing itself needs to gel with the other elements of the website, particularly your image, content, audience, design, and objectives. What's appropriate and what isn't? Only you can answer that question. Ideally, have people write the content that fits the required personality naturally, who can write as themselves, subject to a few publication-related constraints. If you need to define specific personality "rules" that people should follow when writing or preparing content, then ensure they're closely defined and easily understood. Then appoint someone to act as guardian, someone who can read the content and spot inconsistencies or aberrations in the personality projected. This kind of defined personality can sometimes better fit the needs, and ensures consistency, even when the writing or production team changes. It also lets you build a personality around some other element of your business (an advertising spokesperson, your product, your CEO, whatever. . .). You can have as much or as little personality as is appropriate. But what if people don't like it? You can be pretty sure some people won't like your tone or style. And that’s a good thing, too. It's hard to get anyone engaged in your website if you're trying to be all things to all people. Most importantly, the potential loss of a few subscribers is well worth the additional rapport you'll have with those who remain. Or you can be very boring, very dry and very safe, and disappear in the morass of your competitors' offerings. I’ve also come across websites where tooting your own horn turns into the “let’s talk about me website, and by the way have I told you, it’s all about me on this website.”
You need to find the right balance; small doses of "personal" information tend to work well in terms of relationship building. But be very careful not to overdo it. Be especially careful with the use of opinion. On-topic opinion is a good thing and can be a great content element. But while talking about your dog can, at worst, provoke disinterest, sounding off on unrelated topics can actively offend. Take care, and don't let a newsletter become anyone's ego vehicle. I also enjoy a picture of someone looking friendly and attractive on the website. A human voice can even be better through audio. It is easier to connect with people at a more human level if they can relate to a name or face, whether invented or real. So sign editorials, give authors a byline, or list some names down in the administrative section of each issue. Take a look at your favorite websites. Sure they'll have great content, but what else is it that makes them stand out in your inbox? I bet you it's the voice and personality that does it.
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