While there’s no denying the fact that credit cards have made it extremely convenient for us to buy goods and make payments for services without carrying around large amounts of cash, there’s a downside to these pieces of plastic that many Americans are still ignorant about. Making just the minimum payment every month on your balance can put you so deep in debt that you’ll spend the rest of your life paying back both the principal and interest.

Getting out of debt takes an enormous amount of discipline and dedication; the first step is to resolve never spend frivolously and never to use credit cards again unless it’s absolutely necessary. If you do use your card, make sure you pay your entire balance every month so you don’t have to contend with the high interest rates at a later date.

Once you decide to do something to dig yourself out of debt, there are various alternatives (other than filing for bankruptcy) available to you. It’s a matter of borrowing from Peter to pay Paul, but if you’re sensible enough (and lucky), you may get competitive interest rates and be able to pay back your creditors in record time:

• Take on a second job where you can earn more money to pay off your debt.
• Take out an unsecured loan where you do not have to pledge any property you own as collateral against the money you borrow. If your credit rating has been good up to this point, lenders may be willing to let you borrow money without asking for security. Make sure the interest you pay on this loan is considerably less that the interest you owe on your debt. Unsecured loans can be obtained from close friends or family members who believe in your ability to repay your debts.
• Transfer your debt to a 0 percent balance transfer credit card where you’ll be allowed to pay off the money at a considerably lower interest rate. With this option, you need to be aware of any transfer fees involved, how long the low, initial interest rate lasts, and how much the rate will increase once the grace period expires. Make sure you pay back the money you owe before the offer period is up.
• Take out a secured loan by putting up some piece of property you own as collateral. Most lenders will be willing to give you money against the security of your home or car at low interest rates. This option may backfire if you do not make your payments on time as the lender is within the law in repossessing the collateral.
• Take out another mortgage on your home if the interest rates are competitive enough.
• If your mortgage deal is almost over, re-mortgage your home to obtain some money to pay off your debts. This option will provide you with a low interest rate that is easy to pay off.

Remember, interest rates will vary according to your credit scores and history. Lenders are allowed to charge you a higher interest if your score reflects that you’re a credit risk. So make sure, not only that you get out of debt quickly but also that you never fall back into the same situation.

Sarah Scrafford is an industry critic, as well as a regular contributor on the subject of money management. She invites your questions, comments and freelancing job inquiries at her email address: sarah.scrafford25@gmail.com.

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This little introduction video gives you a good idea how to use Niche Store Writer to your advantage. For those of you that were either having problems with the product and couldn’t figure it out or if you were wondering how Niche Store Writer works this video is for you.

You can see just how easy it is to create keyword focused content for your affiliate pages. If you want to get ahead of the competition Niche Store Writer will not only save you time, but you will get a leg up on the competition.

Vic from BloggerUnleashed helped launch this product and you can watch his thoughts on this content generating software below.

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What is Niche Store Writer?

If you are like me and have multiple BANS (Build a Niche Store) sites you will notice how hard it is to come up with unique content for each and every page. Building content on all the pages is very important for ranking your BANS sites. Niche Store Writer allows you to do just that. Instead of writing your own content, rewriting PLR articles, or paying someone to write for you Niche Store Writer will save you time and money.

Most article shortcut software makes the content so hard to read for the average users that your search engine rankings will be hurt. Niche Store Writer is made specifically for the purpose of creating keyword focused articles in a very short time. You will be able to bust through your BANS sites quicker and easier then ever before and leave time for more important aspects of your business.

Screenshot of Niche Store Writer

As you can see the Niche Store Writer Software has a very simple interface and is a breeze to use. I can guarantee that if you are using BANS, or any other affiliate type software that Niche Store Writer will save you time and money and you will make you investment back in no time. You need to check out this software if you want to save time to do more important things like building more sites and link building because you won’t be disappointed.

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This will probably be my last post ever on this blog. At least as a MMO blog. I only have one thing to say:

FUCK OFF all you MMO bloggers who scam n00bs out of hard earned money!!! All of you are a bunch of scammer bitches who take advantage of honest people.

I could write a 20 page dissertation on how fucked up this entire niche is in the blogging world, but I will spare you and me the trouble - it simply isn’t worth it.

Thanks for reading everyone else if you have been following along!

________________________________________________________________________________________________

The Truth!

Damn. I wish I had known that you couldn’t create a brand and make money online using blogspot BEFORE I went out and used blogspot to creat more search traffic than all the A List combined in the make money online niche. Stupid me. Ah but I’m no authority - John is.

Griz - Make Money Using Blogs

They must find it difficult…Those who have taken authority as the truth, Rather than truth as the authority

- G. Massey

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Vic just came out with a very cool contest and you need to go watch the video here.  Basically, Vic is going to select 100 people who enter the contest and set up a blog that is ready to make them money online.  So, you are thinking to yourself, “oh, shit we are going to get hit with a ton of new make money online blogs!”

No, none of the blogs can be in that niche.  Vic is trying to unveil all the scammers and show you can make money online blogging about other things then making money online.  Vic will develop a grading system (50% being organic traffic and the others yet to be determined) to see who will win the grand prize.

What is the grand prize?

• Airfare to BlogWorld Expo
• Hotel Stay
• $500 cash
• possibly more to come!

BloggerUnleashed is a “pattern interrupt” from all the MMO blogs.  Vic truly wants to teach you how to make money online and will not promote any tools or programs that he doesn’t use personally.  The MMO niche is so overridden with scammers and people who only care about themselves that it is getting ridiculous.  Please take some time to go to Vic’s blog and promote the hell out of this vlog post!

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And the winner is………

Bloggernoob!

Congrats noob (I will let Terry know you will be ordering a review) and thanks for playing everyone else, maybe next time?

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All you need to do to enter is write a comment “I want it!” on this post.  Next Monday I will randomly choose a winner and you will get a free review.  Even though SeoNoobs is a relatively new site it has some impressive stats:

“SEONoobs is growing at a remarkable rate, with over 500 subscribers in our first two months. This is the sort of website any growing business would want to be associated with.

• Unique views since launch on Jan 12 (as of 3/21/08): 97,144
• Page views since launch on Jan 12 (as of 3/21/08): 192,208
• Technorati Rating: 35,986
• Alexa Rating: 54,182″

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As a blogger I think you need to ask yourself something before you even write your first post. Do you want to be “famous” or do you want to “lay low”?

Basically, I have come to realize a couple things in this whole crazy blogging world. Some bloggers are in this game to be famous (and hopefully make some coin on the side) and others are in it to just make money. You should really decide which one you want to be before you get to involved. When I first started out I probably wanted a lot of money and just many a little bit of recognition. Let me be perfectly honest with you - I don’t give a shit about being recognized anymore.

I have decided I just want to make money doing this and not worry about you guys knowing me and wanting to take pictures and post them on your blogs. I don’t care which side you take, but you need to figure it out in the beginning. Court wrote a great post about branding your blog and it was about 7000 words, so I am not going to try and trump that.  But, decide if you want to be famous, or just lay low before you get your domain name.

Being a famous blogger will require a brandable domain name and one that is easy to remember.  This will be your main blog and you will spend a great deal of time tweaking and writing this blog in hopes of getting famous.  You should probably stay out of the whole “make money online” or “blog about blogging” niches because they are oversaturated and will require a whole lot of luck to get famous in.

Here is my suggestion - lay low and get a lot of different domains (hell, even use free blogger blogs) in many different niches.  Hit em hard and fast… build links and move on if they don’t work.  That’s it!  That is my advice for the night.

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All you need to do is enter your sites name and your contact email and in an instant you have your Privacy Policy in HTML.  Now, I am not a lawyer myself, but it looked pretty good to me and it mentions the whole “cookie” aspect which Google is worried about.  You can even add and edit this HTML per your needs. If you are like me and run multiple sites with Adsense you need to put up a Privacy Policy to comply with the new Google TOS and stay out of trouble.

If this doesn’t cut it for you check out this post by Blogging Startup with a few other options for all your Privacy Policy needs.

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One of the prizes is a free $100 review by SEONoobs.  This is a new site but gets a ton of traffic and a review from them will definitely get you some good pointers and traffic.  What I am getting at is I will be giving away the review to one lucky reader.  I don’t know the specifics since I haven’t heard from Ryan yet, but I will post that when I figure it out.  I haven’t had a contest on here in ages, so I think it is time for one.

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