 Discover® More(SM) Card - American Flag
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Intro APR: 0%
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Issuer: Discover®
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More ways to enjoy more cash than anyone else*. Enjoy a 0% Introductory APR* and get 5% Cashback Bonus® in popular categories like travel, home, gas, restaurants, movies and more and up to 1% Cashback Bonus on all other purchases.
For your peace of mind you'll have a $0 fraud liability guarantee. This card also offers the easy online Account options that put you in control and you'll pay no annual fee.
You also can Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners.
*View Discover® Card Rates, Fees, Rewards and Other Important Information.
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Though all of us have credit cards and credit card debt is touching alarming proportions, but the fact remains that a huge section of the population are not even aware of card debt consolidation and how the system works. And that is why many people are surprised when they hear about card debt consolidation. The system works by combining the debts from all credit cards into one that becomes a part of a new plan. What is achieved through card debt consolidation? When there are too many cards and you have outstandings on them all, you try the perfect balance by trying to keep all of them happy by juggling the bills. This becomes risky as when you keep making a part payment for long periods of time, the interest keeps growing. Until someday the situation can go out of hand. Instead with card debt consolidation, you just have one where there is a single annual fee, processing charge, and just one creditor to repay. Card debt consolidation is also a great time saver. Last month, I ended up paying back after the last date was gone simply because I did not have the time to go to the drop box. And this has happened more than once. Since when you do card debt consolidation you have to deal with just one company, you end up saving a lot of time in writing checks, going to the mailbox, or even paying the bills online. There are other benefits as well. When you are consolidating all card debts into one, you are sure to benefit from lower interest rates. So if you opt for card debt consolidation, you can reduce the rate to as low as 1% even. Otherwise it can be really steep. Being down in credit card debt can be a nasty experience with debtors always calling up to inquire about pending payments and making cold offers for balance transfer. It can become humiliating and a lot of hassles. Card debt consolidation will mean an end to all these problems. It will take you just 5 minutes to complete the application process. But make sure that you are doing it from a secured site. Card debt consolidation will not only make your life easier but will also make economic sense. When you decide on card debt consolidation you will owe money to just one financial institution, have just a single card and will even get a better credit limit – it might even be higher than the credit limit you had of all your cards together. This is because the card company acknowledges that you are on your way to financial recovery with card debt consolidation. |
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It's worth the effort spending some time and energy figuring out who you work best with. Once you've figured that out, then what? You feel good, you've chosen a niche. How do you find the people in your niche and get your message across to them? And how can you do that without feeling like you are selling to them?
Here are a few things for you to think about...
1. Does this group of people, this niche, have any outside interests in common? For example, you may find there is a large group of engineers in the Midwest that enjoy hunting in their spare time. Or know some graphic designers in the Rocky Mountains that are avid rock climbers. Is there a better way to share a common interest and get to know each other in a relaxed environment than to join them on their excursions? Establish trust, build new friendships - it all leads to enjoyable work opportunities for you.
2. Do you help out with your kid's soccer team or are you on the PTA at school? Doing things that YOU enjoy will naturally lend yourself to meeting new people with like interests. Your co-volunteers could work in the niche you've chosen or may have friends that do. Doing things that you enjoy doing, especially if it is involves getting out and meeting other people, will help YOU meet new people and make new contacts. Don't like the people you've been hanging around with? Try something new and totally different. Put yourself in a very different environment and you'll meet totally different people and have a very different experience.
3. Get involved in local networking associations. I'm not necessarily talking about the chamber of commerce. If you can, get more targeted than that. If you would like to meet more people involved in naturopathic medicine, find out what they do. I bet they attend trade shows on maybe natural health or are interested in yoga, or vitamins, or the natural food stores in your area. How can you have a presence there? Are there groups that meet that are rock climbing enthusiasts? Roller blading groups?
4. Are there any small, local publications that your target market may read? For example, there are a few free magazines and newspapers in my area and they are often looking for content for their readers. Classified ads are very inexpensive because the publications are small, and I've also found that these smaller publications are very open to bartering to keep their pages full. One publisher offered to run ads for me for free if I delivered the free papers to 20 or so places around town once a month. I am too busy to do that of course, but the point is to be creative.
5. Look at where your strengths and weaknesses are. If you're comfortable writing and doing marketing related tasks on the internet, you may be doing enough of that already. Get away from your computer and meet some people. The same can be said if you are an extrovert. You need to balance your marketing efforts both online and off. I do get a lot of business from my online marketing efforts, but I also know that it compliments anything I do outside my office. Meeting people and having them experience you and your energy can't be beat.
Have you seen a common thread here? All of the tips I gave you involved you getting out and meeting people. As a writer I admit I like to stay home and do stuff on my computer. I have an awesome system in place for marketing myself online and publishing articles and even coaching and working with people on the phone.
Getting out and meeting people means taking off my favorite slippers and actually moving - not what I always want to do. Looking over the successes I've had the past few years, there's no doubt in my mind that when I do get out and speak to a group or get involved in an organization my business gets busier. And the people that I meet in person and have felt my energy and enthusiasm give me more referrals, and bring me more word of mouth marketing than the clients I have online. And we are more likely to become friends.
Copyright (c) 2006 Kelly Robbins
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