There are many people who, in the present economic climate, could be considered potential clients for a credit coach. This is for two main reasons: firstly, the current problems experienced with sub-prime mortgages and secondly, that it is now mandatory by law for a person considering filing for bankruptcy to apply for credit counseling.

Do you think that you would be a successful credit coach? The personal qualities for this job are similar to other types of coaching. You must have the ability to be positive at all times and be motivated enough to spur your clients on to improve their situation. Above all, you must possess empathy, that is, the ability to see the situation through your client’s eyes and be understanding and sympathetic to their needs. The ability to be a “go-between” for your client and their creditors and debt collection agencies is also vital, because this is going to be your main task and the one that it going to take all of your negotiation and diplomacy skills. The knowledge to improve things for your client needs no explanation.

It is possible to obtain information about repairing bad credit from a number of areas. You can access training manuals that give details about proven methods for “mending” a “broken” credit rating and there are some “home study” courses that will present you with a sound knowledge basis. Certainly, there is really nothing better than your own experience with bad credit to teach you – if you have been successful in solving your own credit problems, chances are you will be an ideal coach in this field. Even if your experience is not your own, but that of a friend or relative, after you have “practised” on them, you will be able to start your coaching “for real”.

A thorough knowledge of various state laws and other requirements relating to initiating a new business is vital. You may need to obtain a license and/or certificate of accreditation to cover legalities of your new business. It is highly recommended to get some reward program card from your bank or creditor to assist you in ever move you make that involves money. Moreover, it would be a wise move to seek membership in a professional organization or in financial programs similar to reward program card program for credit coaches as it will help your profile.

Every successful business should have a business plan – a credit coaching business is no exception. In the plan, you should itemize your expenses and estimate your income. Some of the expenses would include such things as a new computer and peripherals, any necessary insurance premiums and advertising. With regards to fees charged, most companies will charge a “one-off” fee of around $100 followed by monthly fees upwards of around $40. With these figures, then, you would expect an annual income from one client of between $500 to $1,000. How many people can you assist? Multiply that amount by the income for one person and you will be able to gauge whether or not your business will be feasible.

The way that you deliver your services is a personal choice. You may decide to offer individual counseling or group sessions, or even a combination of both. The location is also a variable – your home, the client’s home, a restaurant or for larger groups perhaps a conference room. Remember to factor in these expenses in your plan.

Which would you prefer, simplicity or extravagance? There are some who chooses simplicity over extravagance but the reason really depends on the characteristics possessed by the thing we are comparing.

With regards to engagement rings, there are those who would choose simple ones while others will choose those with added embellishments. Diamond engagement rings are unique and elegant. There are also different types and styles of these rings. One of which is the solitaire diamond engagement ring.

A solitaire diamond engagement ring is a simple and classic design. It is unique in its own way and yet it is still very elegant with its single diamond ring setting. It is popular because of its clarity, thus, enhancing the beauty of anyone who wears it.

Just like any other engagement ring, this symbolizes a mans love to the woman he is planning to marry. They are very timeless and beautiful. They can come in different shapes and sizes. The choice will just depend on the one buying the item. It is his will to choose a design and size that he feels is fit for the woman he loves.

Aside from the size of the diamond stone you chose, its shape can make it more unique than the others. The most common cuts are round but there are also wide varieties you can choose from, like, oval, pear, marquise, emerald. These shapes elongate the diamond and make it appear larger than its actual size.

There are also the princess solitaire or square cut, pear or tear-drop shape, radiant shape and archer shape. While the heart-shape makes it eye-catching because of the shape.

Because of the fact that the solitaire diamond engagement ring has only one diamond and has a very simple setting, this means that it is cheaper than those other type of diamond rings. But the price can also vary because the stone has a higher and better quality and/or larger size.

There are many other styles that are getting more popular these days but many women still prefer the timeless and classic beauty of solitaire rings. Because for them this type not only symbolizes love but also of the life and hope that the couple will share for their future.

Why are diamonds unique?

Diamonds are very much influenced by the wealthy and well-known. They are expensive and really symbolical. Many celebrities, famous people are into diamonds thats why the public follow the trend.

The word “diamond itself says a lot, rare, beautiful, expensive, precious, genuine, desirable and brilliant. There are many types of diamond rings. They come in different shapes, styles and colors. What is so special about heart diamond engagement rings? If you are to choose a diamond engagement ring, would you like this type?

Heart diamond engagement rings are very popular type of diamond engagement rings. Not only that it is a sign of engagement, the heart-shape itself symbolizes love. It can be considered as the most sentimental and romantic. That is why it is very meaningful to those who are given this type of engagement ring.

So, it is not unbelievable that many couples choose this type as the symbol of their love. But couples should decide carefully in choosing this shape because it could be so common or too bold.

Heart diamond engagement rings are beautiful and are more unique than standard diamond shapes. It can be very timeless and elegant. They can be very expensive but there are also many less expensive ones which are available in the market.

Many couples consider and purchase this type and shape because it says a lot and is a direct and clear representation of their unity and commitment to each other.

There are jewelers who can cut diamonds into any shape that you like. There are even available diamonds which are already cut into a heart-shape. Heart diamond engagement rings can either be flat or elongated.

Thats why you can customize and personalize your own diamond engagement ring. This makes the engagement more personal and meaningful. So by the time you have the chance to choose an engagement ring, you might want to consider this style.

Clean Claim Laws are currently in place in every state. The assistance provided by the laws ranges from states like South Dakota which has no economic penalty to Texas where the payer sometimes is required to pay billed charges

The basic idea of the law is that a payer has to respond to a clean claim within a set time (usually around 30 days for electronic claims). In order to utilize the clean claim law effectively you must have a tracking system built into your medical billing process that flags:

1. Which payers are subject to the clean a claim law (not all are),

2. When a claim was submitted,

3. When a request for information was received from the payer (if you receive one then it stops the 30 day clock until you respond),

4. Events that restart the clean claim clock (e.g., your office replies to a payer’s information request), and

5. When you received a payment or denial.

The idea of systematically tracking all of this information may be daunting, but with a smart system design it is possible and most definitely a worthwhile undertaking. After submitting a few Clean Claim law violation reports you will see your claims pay faster. I have seen situations where payers have actually called just to assure the practice that claims will be quickly processed.

One way to quickly get started using the clean claim law is to run a trial on a payer that you feel consistently takes more than 30 days to ajudicates claims. Find a small number of large claims for this payer that have gone past 30 days and then conduct a trial run with those claims. This will allow you to learn the fundamentals of how to submit and monitor complaints and see the results of your complaints.

Copyright 2006 by Carl Mays II

If you are fixing your credit report then you realize just how important your credit score is. Your credit score can control your quality of life just as much as how much money you earn.

With a poor credit score you may have been turned away from a job that you are clearly qualified for. You may have been turned down for a credit card or a car loan. The times you have gotten approved it is with a high down payment and an exorbitant interest rate.

However if you can learn how the credit system works then you can use it to your benefit. You can create a higher quality of life for yourself and your family without earning any extra income.

When credit bureaus compute your credit score they use an algorithm or equation. They input your credit history and a computer calculates your credit score.

Your credit score is a way for lenders and employers to measure you. Lenders will often not look at any other factor other than your credit score when you apply for a credit line. You credit score determines how the credit world perceives you.

How can you use the credit system to your benefit? You need to know there are two pieces of information that are most important to the systems equation.

1. Delete negative inaccurate accounts. Derogatory credit items do the most damage to your score and should be removed as soon as possible.

2. Maintain an unsecured revolving line of credit. This is an easy technique that almost anyone can do.

The credit bureaus equation is kept secret and not released to the public. However after review of thousands of credit files it has been learned that having an open unsecured line of credit is just as important as removing negative items.

The unsecured line of credit will improve your credit score because:

1. You are creating positive payment history with every month you pay your bill on time. Also credit bureaus like to see that this account has aged. Meaning it has been an open account for a while.

2. Increase your ratio of debt to credit. This is how much credit you have in relation to how much debt you have. You want to be able to show the credit bureaus that you are not using all your available credit.

Your open credit line will carry more influence on your score if it is unsecured. However if you can not be approved for an unsecured loan then I would suggest a secured credit card.

An open credit line will help you build credit but it is still very important to erase derogatory listings from your credit report. If you can not get an unsecured credit line and do not want a secured line of credit then remove the derogatory listings and reapply.

It is possible for everyone to achieve a 700 credit score for themselves. So start today and erase the derogatory marks and build positive marks on your credit report.

When thinking of writing an article, I am sure you think you must be an expert. In reality you do not. You do not have to have a diploma in Journalism, nor do you have to take writing classes to stir up the creative juices.

So what do you need? Knowledge of good writing skills and a strong desire to suceed is a perfect place to start. Without these you are setting yourself up for some serious disapointments. You also need to be able to accept rejections. They are going to happen and that is ok.

The world is filled with topics. A heated PTA meeting, an obnoxious coworker, issues with aging parents, relationships, children, communities, hobbiesaall the things that makeup your everyday life are great subjects for articles. The ability to see the uniqueness and the commonality of your experiences will help you come up with articles other people will want to read.

Article writing has many benefits. No one tells you what you have to write, you get to choose. It is also very flexible. If you need to write between three and five am, no one will know or care. You can write your articles at the local coffee shop or at the kitchen table. It is all about what works best for you.

Now, there are some good guidelines to follow if you are going to get serious about this sort of thing. It is good to set a specific time everyday to sit down and brainstorm and write your articles. By doing this you are treating it like a business, which if you are earning money by doing so, it is. It also helps you plan anything else going on in your day and gives you a sense of accomplishment and organization. Also, get all of the tools you will need ready so you won’t have to keep getting up and looking for them. Pencil, computer and most importantly a dictionary and thesaurus.

The good thing about writing articles as apposed to writing books is the turnaround time for payment is much quicker. It could take you months or years to hear back from a publishing company but only a few weeks for an article.

One of the best ways to always have good ideas about articles is to carry an aideaa journal with you. That way whenever something happens that makes you think ahmmagood articlea you can make immediate notes. It is also a great place to paste in pictures or other articles that you find inspiring.

Last but not least you want to know where to submit your articles, and luckily this tool does really exist. It is called The Writers Market and can usually picked up at your local book store or purchased online. Hopefully all of this useful information has helped. Good luck on writing your next article.

The very first thing you must do in order to become a successful affiliate marketer is to decide that it is what you want to do. The next thing to do is to focus on one particular method of affiliate marketing. Once you have researched and experimented succesfully with one technique then you should look to expand your marketing into other places.

Article marketing is a great place to begin you affiliate marketing career. It can be very cheap, even free if you do it all yourself, and it is proven to be very successful and a favorite to many marketers already.The object is to write an article and submit it to the many article sites out there so that your name and backlinks to your site appear all over the internet.

There are thousands of article directories, ezines, and blogs that are constantly looking for content. When you have a website set up to sell your affiliate product you then write an article about it and submit it to these sites. When those articles get published you have a resource box where you get to put a few lines about yourself. In those lines you can put links that point back to your site, the more links to your site the more the search engines recognize you and the more chances you have of people looking for the type of product you are promoting finding your site.

The downside of article marketing is the tedious task of submitting your article to the thousands of publishers out there. The solution is directory submitters, who charge you a fee to submit to thousands of directories. This is great if you can afford it.

One thing to be aware of is the penalty of duplicate content. When a webpage has the same content as another one the search engines penalize the sites and don’t give them as high a ranking. Again, there are services available to automate the process of rewriting your articles and submitting them to the directories for a fee.

Another form of marketing to look into is PPC or pay per click. This involves you writing an advertisement and having it displayed by a company such as Google AdWords. Everytime someone clicks on the ad you get a visitor to your site. The fee you pay can be very small and profitable if done properly, or very expensive and detrimental to your profits if done carelessly.

PPC marketing involves you choosing keywords that are related to your niche and placing a bid on those words. When someone searches for that term your ad gets shown. Depending how much you bid your ad may be first or it may not get shown at all if you don’t bid enough. It is difficult to master how much to bid and on which words but once you find the right balance for the words you choose profits go through the roof!

You can also be a successful affiliate marketer by using your blog. You simply write a review of the product you are promoting on your blog and send traffic there. You can use sites like Squdoo to send traffic to your site and also create backlinks to your site. Also you can put comments on the blogs of other bloggers and leave a link there to your site.

If you focus on one technique and master it you will see results quickly and be on your way to being a successful affiliate marketer. Once those results start earning you money it is a good idea to expand your horizons and learn a new method for getting traffic to your site. As you add more methods to your arsenal and more income streams you will know that you have become a successful affiliate marketer!

Diamonds are clear and sparkling stones but diamonds can also come in different colors. Diamonds signify wealth, style and elegance.

Blue diamond engagement rings are very unique and beautiful. They can be quite expensive because of its rarity and the process that it underwent before obtaining its enhanced color and quality. Its color is what makes it really expensive. But those who buy such rings are not really after the price but its uniqueness.

Thats why blue diamond engagement rings are very magnificent and impressing when used as a symbol of commitment and engagement. They can be considered as very special gifts and treasures.

There are several grand names given to the largest and most popular blue diamonds: Blue Empress, Heart of Eternity and Hope.

Blue diamonds are considered to be one of the rarest types of diamonds in the world. Natural blue diamonds are almost non-existent, that is why anyone who is offered with “natural blue diamonds should always check the genuineness of such gems before purchasing.

Blue diamonds are one of those so-called fancy diamonds, meaning, they posses a strong and attractive and appealing color. They have undergone a diamond treatment process called irradiation wherein they obtain their blue color. Most fancy diamonds are more expensive than the colorless or plain ones because of this process.

If you are wondering where the color blue in blue diamonds come from, wonder no more. The small amount of boron that has been trapped in the diamonds crystal structure is the key element responsible for its color. And this also makes blue diamonds conducive to electricity.

To those who are interested in buying a blue diamond engagement ring, you must know that the darker the color blue, it means that it has a better quality. And remember that most blue diamonds available in the market today are manmade. And always check the genuineness of the item you are buying.

Irrespective of which genre you are trying to get published in – science fiction, romance, children’s market, or any other genre – you likely have questions. This is most commonly the case with new or unpublished authors. The most common questions asked by authors who haven’t yet been published are listed below. Many of the most frequent questions asked by those who are new to the field of publishing are included.

Question: Is it easy to get a book published?

It is certainly a very achievable goal, but you should be aware that most writers only receive rejection letters. With that being said, even if you do receive a rejection letter or even multiple letters for that matter, it is important not to give up. Any well-known and successful authors that you can name only became successful because they did not allow their rejections to stop them. You’ll need to be patient, and allow for time to let you find the right publisher who suits your book the best.

Question: How much money can I make?

How much money you will make honestly will depend. The length of your book, the genre you are writing in, and the publisher you are publishing through all determine exactly how much a writer will make. Longer works, on average, are more likely to make more money, because they are considered more valuable.

Question: Do I need to have a literary agent?

If you do any research online, you will see a large number of people who advocate getting a literary agent. You will encounter some publishers who will not work with authors without an agent but this is not universally true, however. If you cannot afford the cost of an agent, consider getting your book published on your own first or hiring a literary agent to assist you.

Question: How do I find book publishers?

One of the easiest approaches to take is with the purchase of the Writer’s Market guide or another similar resource. By separating each publisher by genre and outlining what their requirements are, this guide can be very helpful. While you can utilize the research efforts of many online websites that list which publishers do accept manuscripts, you will have more luck in visiting the individual publishers websites. Many times, these websites will also give outlines of detailed information that is useful to writers and would typically be in a writer’s guide.

Question: What are my chances of being published?

There is no one determining factor that will decide how difficult it is for you to obtain the dream of getting your book published. Take a good look at how many publishers you have approached because the more you make contact with, the more likely you are to be successful in securing a deal. To further help you, look at the average number of books that your Writer’s Guide says each publisher publishes each year. This is a good indicator of your chances at being published. Most importantly of all, don’t let the rejection letters force you to quit.

Thanks to today’s online job resources, we can easily locate jobs that interest us, such as being paid to read emails, do data entry, processing, etc. All of which are free. Completing paid surveys online is also an option for those seeking to work from home for extra money.

Many marketing research firms that conduct online free paid surveys. Have been paying users to participate in surveys, focus groups and such for some time. But the Web has granted them a more-effective way to accumulate data. Thatas why, many now have legit, online paid surveys and other types of paid programs,and online marketing research.

Completing paid surveys online is a simple way to earn additional income. The biggest draw to this type of the work is the convenience of being able to work from the comfort of your own home, and on your own schedule, much like running your own home-based business.

Upon signing up with a paid survey company, you are able to be paid for completing surveys of a diversified nature. These companies are paying for your opinion in hopes of increasing the value of their products. Without input from consumers, marketing products and services can be ineffective. This is why your opinion is so important.

Each online paid survey site will have its own method for paying its members. Most pay by check, Paypal, direct deposit to your bank account, but some only compensate with sweepstake entries upon completion of the survey. There are also cases in which you are hardly compensated at all unless you recruit others, as in pyramid schemes.

A few of the online paid survey sites we reviewed pay relatively well, in cash. Most, if not all of the reviewed sites promise not to share any personal information they have identified without your prior consent. This is an industry established rule by which legitimate marketing research firms are bound to uphold.

There were reviewed sites that did not make either promise. If they did, it was in a limited or unfortified manner. In most cases, these were membership sites which act as unsanctioned go-betweens, which don’t operate under the same standards of the marketing industries established privacy rules. Please be careful when dealing with such sites.

The bottom line is, money can be earned conveniently from the comfort of your home doing paid surveys. Just take a little time to research the site prior to signing up, in an effort to ascertain its legitimacy. All that is required in most cases is a computer, internet connection, and the belief that you can make it work.