High or Low: Keeping Track with National Average Credit Score

Credit is said to be a system of buying and selling without immediate payment or security. Credit may be in the form of credit cards or loans.

Any individual who desires to process a credit card or loan application will have to abide by the rules and regulations set forth by the lender. An important factor for any credit application to be approved is your credit score.

A credit score is the determinant factor of lending institutions whether or not you will be granted credit. Your existing credit status as well as your past credit standing makes up for a credit score.

Every nation has a standard credit score to follow to determine the country’s financial condition. The United States has a national average credit score somewhere from 580 to 650. You will most likely be granted with credit requests if you have a high credit score.

Since the credit score is highly significant for you to obtain credits as well as balance the national average credit score, there are things you must do.

Seek help from experts.

Do not be overwhelmed by low interests or other attractive credit offers by lending institutions. It is best to consult an expert before you close an agreement with a positive notion.

Financial consultants will help you properly handle your finances. He is responsible in showing you the status of your finances. He may also be your source of assistance on matters about getting credits. He will most likely advise you on the pros and cons of getting credits and the many requirements lending institutions need before they come up with a decision.

Do not let your due date slip.

When you pay your bills on time or before its due date, you are establishing good credit standing. Another advantage when you are paying ahead of time is that you are also making your balances low.

Late payments of bill will not only give lending institutions bad impressions of you but it can also be unfavorable to maintaining a high credit score. To avoid late payments, it is best to keep track of due dates. Prompt yourself that it is “pay time,” a week before your credit’s due date.

Keep your interest low.

Credit interests establish how good or bad your credit score is as well as the national average credit score. With low credit interests you are likely to maintain good credit standing.

It is recommended that you take on a survey among lending institutions on the credit interest they give. Upon doing your survey, choose which ones can give you low interest yet will still offer you good-quality of service.

Consolidate.

To undergo consolidation is usually common to individuals who experience trouble paying off unpaid debts to their lenders. Consolidation is recommended for such people to unburden them of too much paying pressure.

Evaluate and re-evaluate.

Be your own accountant. Do not let financial problems pile up, instead of waiting for credit reports to be mailed at the foot of your door, make your own. By doing so, you are updated concerning your credit reports.

Self-evaluation of your credit reports will help you gauge how much credit scores you still have. Nowadays if you wish to have free consultations regarding your credit reports, you can always go online and find one.

Keeping yourself on the right credit score track will not only help you maintain a good credit standing, it will also help your nation maintain a good average credit score. Having so will stabilize the economy.

Want help? Would you love to be able to put an end to the constant NO? We can help you boost your credit today! Visit us online at www.boostdacredit.com

Accepting to Improve your Personal Life

Do you have the ability to accept the things you can change and the things you cannot change? Do you have the ability to accept that other people are opt to change them, rather than you changing them? Do you accept that you are who you are, regardless of what others think? Can you accept the many changes that take place in your life?

If you answered yes to one or all of these questions then you are off to the start of improving your personal life. If you are willing to accept, you have the ability to laugh, even when something is not funny. For instance, if someone pushed you, you could stand back and laugh. The push is only a threat to your emotion, which you will see, accept and find a way to gain control of the situation.

When you can accept things in life, including you and others you find a way to take control. When you are in control, it helps you to see how you can improve your personal life. When you learn to accept you will learn to discover you.

Individuality is personal, which philosophers over generalize this subject. Many people in the world believe that when we act the same way at all times, we have established our identity. Politically incorrect! We have emotions, thoughts, behaviors, actions, and have been plagued by a world of influences both good and bad. Each day we will feel something new, which causes our personality to reflect on these changes. Therefore, when you see someone laughing one minute and crying the next, you are seeing a shift in emotions, which is a normal pattern of identity for this person. Unless the persons eyes change, behaviors change dramatically, friends change regularly, etc, and you are seeing common behaviors.

We live in a world that desensitizes us. We are surrounding by billions of influences on television, in the media, on radio, in house-holds, government, schools and so forth. Each to their own, but everyone is judging someone at some time, which is something we have to accept. We cannot change these peoples behaviors and way of thinking, but we can change ours. This is a part of learning and accepting. The best way around the world is become your own influence and allow other influences to make someone else’s life miserable. Only rely on sources that prove truthful with their actions, behaviors and words. Positive reflections are the key to living happier.

Once you learn to accept you will be eager to laugh. For instance, if someone makes you mad you will see the humor in his or her actions. You may see the humor in your actions if you make a mistake and feed into their stupidity.

Once you start to see the humor in life, you will feel better inside. We are involved in a unruly world filled with greedy people, envious souls, lusty tigers, and so on. We have to learn how to work around these people, accept us and move on. Once you learn to change to better you, other people may follow. Good conduct has proven far more effective than words to encourage others to change.

As you grow you will feel a new hunger, and that hunger will guide you to discover new ways to better you. In time as you start to feel better, you will see a need to exercise, eat right, and hang out with positive influences and so on. Once you feel this hunger, you will feel inspired to labor to achieve your goals.

Fraud Sucks!

What is fraud? Are there many types of fraud? What can I do to prevent fraud? What can I do is I fall victim to fraud?

Do you find yourself asking these questions? I know I did. So I decided to do some research and share what I have learned. According to our online dictionary pal, Merriam-Webster, fraud is an act of deceiving or misrepresenting. Basically, it is when trickery is used to gain a dishonest advantage, which is often financial, over another person. I learned that there are many words that experts use to explain fraud: Scam, con, swindle, extortion, sham, double-cross, hoax, cheat, ploy, ruse, hoodwink, confidence trick. Remember, that fraud is something that can be done against individuals but also businesses.

To my surprise, I found out that there are many different types of fraud that one can be subjected to. The many types of fraud there are is:

1. Identity Fraud and Identity Theft
2. Online fraud
3. Individual fraud
4. New Accounts Fraud
5. Utilities Fraud
6. Check Fraud
7. Corporate Fraud
8. Advance Fee Fraud

Any type of fraud, most importantly identity theft, can be an easy problem to ignore—until you experience it yourself. With more ways for criminals to obtain your personal information online—and more complex ways to cover their tracks—it’s more important than ever to protect yourself and your assets. I found that having a complete comprehensive protective plan against these types of actions is the best way to help prevent fraud and most importantly help you if you fall victim to it.

IDShield is the only identity theft protection company armed with a team of dedicated licensed private investigators to restore your identity should it ever become compromised.

Not all thieves need to break a window or pick a lock. In fact, all they need is for someone to click a link in an email or enter their credit card number. From there, identity fraud allows criminals to impersonate their victims to carry out a number of other crimes. Millions of people experience identity theft every year—but it only takes a few steps to protect yourself.

Get yourself and your family protected today.

Why You Should Invest

Regal Assets BannerInvesting has become increasingly important over the years, as the future of social security benefits becomes unknown.

People want to insure their futures, and they know that if they are depending on Social Security benefits, and in some cases retirement plans, that they may be in for a rude awakening when they no longer have the ability to earn a steady income. Investing is the answer to the unknowns of the future.

You may have been saving money in a low interest savings account over the years. Now, you want to see that money grow at a faster pace. Perhaps you’ve inherited money or realized some other type of windfall, and you need a way to make that money grow. Again, investing is the answer.

Investing is also a way of attaining the things that you want, such as a new home, a college education for your children, or expensive ‘toys.’ Of course, your financial goals will determine what type of investing you do.

If you want or need to make a lot of money fast, you would be more interested in higher risk investing, which will give you a larger return in a shorter amount of time. If you are saving for something in the far off future, such as retirement, you would want to make safer investments that grow over a longer period of time.

The overall purpose in investing is to create wealth and security, over a period of time. It is important to remember that you will not always be able to earn an income… you will eventually want to retire.

You also cannot count on the social security system to do what you expect it to do. As we have seen with Enron, you also cannot necessarily depend on your company’s retirement plan either. So, again, investing is the key to insuring your own financial future, but you must make smart investments!  Why not Gold?

http://goldcoinblogger.com/xignite/charts.php?metal=XAU

Move your existing retirement account off the grid

If you are anything like me you are sick and tired of Wall Street and bankers manipulating the financial system. They are playing a dangerous game of Russian roulette and when it all comes to a screeching halt everyone is going to lose… except you if you follow my lead.

I have found a way to play a totally different game and move my wealth completely off the grid. Let me explain… the game right now being played is all about paper. Everything from stocks to bonds to mutual funds even dollars are being affected by the moves of Wall Street and bankers. The way to play a different game is to move out of paper and into physical assets. With cash it is an easy thing to do but if you are like me most of your money is tied up in retirement accounts. I have found a loop hole that allows you to move your existing retirement account into physical gold and silver.

Let me explain…

I am happy to tell you that after hours and hours of research I have found the most reputable company who specializes in this kind of transaction and I urge you to get in contact with them. This company was recently featured in the Forbes 2013 Investment Guide and made the 2013 Inc. 500 list as one of the fastest growing companies in the US. For a very limited time this company is offering a completely free investment kit that can be mailed right to your front door step and shows you exactly how to move your existing retirement account into physical gold and silver. To take advantage of this offer simply click here.

Regal Assets BannerListen I don’t want to put any pressure on you but these free investment kits go out on a first come, first serve basis. So please don’t wait. Your future depends on it.

The owners of this website may be paid to recommend Regal Assets. The content on this website, including the positive review of Regal Assets, the negative review of its competitors, and other information, may not be independent or neutral

Servuction Model

Every day we as a society frequent many businesses whether to purchase a good or a service. During our visit we encounter either good or bad customer service. In service marketing, marketers use the servuction model to help breakdown the service that one does get.

smodel

The servuction model is basically used to illustrate factors that influence service experience, including those that are visible and invisible to the consumer[1].   When a servuction model is done on any given business, it is important to know the four factors of it. The four factors are: servicescape, contact personnel/service providers, other customers and organizations and systems.

  1. Servicescape is basically the physical evidence or all nonliving features that are used to design the service environments. The bottom line is to think of anything that is plainly visible to the consumer and anything that consists of ambient conditions, inanimate objects, and other physical evidence. Recently I went to the movie theatres and I can understand how the servicescape can influence my overall experience. The proper placement of the movie advertisements (i.e. stand-ups, posters, etc.) as well as ticket booths and other nonliving objects like game machines and such can affect my service experience if I have to walk around them. To me it would seem as if they used this model because they properly displayed and placed everything to where it catches my attention but doesn’t ruin my movie experience.
  2. Contact personnel/service providers are actually two areas that can affect the service experience bundled up into one category. Contact personnel are the employees other than the primary service provider who briefly interact with the customer. Service providers are the primary providers of a core service, such as a waiter or waitress, dentist, physician, or college instructor. Every time I frequent a local McDonald’s they have this one employee whose job is to make sure that the dining area and rest rooms are clean. It is clear that he has some sort of an OCD situation going on. Well, he doesn’t seem to understand the term of personal space and will clean the table and sweep the floors while you are still eating in that particular space. I find this very uncomfortable which ruins my service experience at the fast food giant.
  3. Other customers are basically those that receive the service along side yourself perhaps through a bundle of benefits created through service experience. Unfortunately, I cannot think of a business that I have frequent that provided this type of service and it was great or bad. Have an example and wish to share please do so in the comments.
  4. Organizations and systems are the invisible part of the model that reflects the rules, regulations, and processes upon which the organization is based. I recently encounter this part of the servuction model that ruined my service experience. The fast food provider is KFC. I recently went there to purchase a pot pie meal and was given on price but charged a different price. When I question the additional charge it was told to me that it was a service charge added to all debit card transactions. I asked where is the signage that states the fact and was pointed to a sticker no bigger than a mailing label with words of five point font (that says five point font). This was a change made within the rules and regulations of the business that caused a horrible service experience.

It is clear that the servuction model makes obvious that consumers are an essential part of the service process; therefore, telling us marketers that we need to think of our consumers first.
[1] Hoffman, K. D. (2011). Services Marketing: Concepts, Strategies & Cases, Fourth Edition. Mason, OH: South-Western Cengage Learning.

Axxess Pharma to Expand North American Sales and Brand Exposure Through TapouT Ambassadorship Program

Source: Etrade.com

axxeAxxess Pharma Inc. (OTC PINK: AXXE), a specialty pharmaceutical and nutritional supplements company, is pleased to announce its wholly-owned subsidiary, AllStar Health Brands Inc., hosted a TapouT ambassadorship tryout for TapouT-branded products at the Extreme Couture gym and fitness Club in the Toronto area this past Sunday. The select ambassadors that are offered this position are anticipated to further expand North American sales and exposure of the TapouT product line.

Ryan JimmoRyan Jimmo, the MMA fighter, boasting the fastest knockout in MMA history and current TapouT spokesperson, put the candidates through workout routines and fitness evaluations. All of the candidates then tried the TapouT protein shakes. Similar to other test markets performed on the protein shakes, the candidates stated the shakes stood out from the other shakes due to the good taste.

Later this week, Axxess will choose several ambassadors to represent the TapouT product in Canada. In the coming months, Axxess Pharma, will also have US ambassador tryouts. All of the ambassadors will provide an extra focus on the female demographic. Several products in the TapouT lineup have features women find attractive such as added iron, omega-3 fish oil, L-carnitine for fat burning and the gluten-free formulation for less bloating. The Turbo Blend Protein powder 2-lb. tub contains all of these benefits.

Both Canadian and US ambassadors will represent the TapouT brand, furthering exposure and public knowledge of the protein shakes and overall product line. They will be doing two to three demos and store samplings per month, as well as representing the TapouT protein shakes at fitness and sporting events. Ambassadors may have possible work booths at major trade shows and introduce samples to stores who do not yet carry TapouT Muscle brands. All ambassadors will also spread the TapouT message on social media to their followers.

tapout_logoDr. Bagi, President of Axxess Pharma, stated, “This is another big step forward for AllStar/Axxess Pharma as we continue to expand our brand awareness and sales across Canada and the United States. Our ambassadors will be an added force and not increasing our sales but the sales of stores that carry our brand.” Dr. Bagi further states, “This comes at a perfect time given our recent relationship with Muscle Foods USA. We feel our Canadian ambassadors will expand our exposure in Canada with our soon to be US ambassador assisting Muscle Food USA sales people when needed while also generating new store sales on their own. This is one more sign of our continued product expansion.”

About Axxess Pharma Inc.:

Axxess Pharma Inc. is a Nevada Corporation operating through its wholly-owned Canadian Subsidiary: Axxess Pharma Canada Inc., headquartered in Toronto. Axxess is a specialty Health Care Products Company dedicated to improving health and quality of life by offering select medicines, nutritional supplements and over the counter remedies all across the Americas. Axxess’s goal is to bring additional products to the market and provide new, innovative options for better health spanning areas such as high cholesterol, blood pressure, acute pain — to optimal health management through improved nutritional supplements.

About TapouT:

TapouT is a lifestyle brand that has been at the forefront of Mixed Martial Arts since its inception in 1997. The label is rapidly growing into other sports and categories, offering merchandise for men, women and kids. TapouT has endorsed high-profile professional athletes who compete in sports such as basketball, football, baseball, stock car racing, and most famously, MMA. TapouT is sold in sporting goods stores, specialty retailers and online. TapouT is a Trademark of ABG TapouT, LLC. For updates and more information, please visit TapouT.com.

https://www.facebook.com/TapouT https://twitter.com/TapouT

http://www.youtube.com/tapout

For more information, please visit http://www.axxesspharmainc.com, or contact Investor Relations at (973) 351-3868.

Safe Harbor Statement:

Statements about the Company’s future expectations and all other statements in this press release other than historical facts, are “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, Section 21E of the Securities Exchange Act of 1934, and as that term is defined in the Private Securities Litigation Reform Act of 1995. The Company intends that such forward-looking statements be subject to the safe harbors created thereby.

The above information contains information relating to the Company that is based on the beliefs of the Company and/or its management, as well as assumptions made by any information currently available to the Company or its management. When used in this document, the words “anticipate,” “estimate,” “expect,” “intend,” “plans,” “projects,” and similar expressions, as they relate to the Company or its management, are intended to identify forward-looking statements. Such statements reflect the current view of the Company regarding future events and are subject to certain risks, uncertainties and assumptions, including the risks and uncertainties noted. Should one or more of these risks or uncertainties materialize, or should underlying assumptions prove to be incorrect, actual results may vary materially from those described herein as anticipated, believed, estimated, expected, intended or projected. In each instance, forward-looking information should be considered in light of the accompanying meaningful cautionary statements herein. Factors that could cause results to differ include, but are not limited to, successful performance of internal plans, the impact of competitive services and pricing and general economic risks and uncertainties.

 Contact:
 Investor Relations
 Taylor Capitol, Inc.
 Stephen Taylor
 Phone# (973) 351-3868
 staylor@TheStockAlerts.com
 www.TheStockAlerts.com
 
 Source: Etrade.com

 

Perfect time to buy….

Article courtesy of Etrade.com

Industry Veterans Join Forces with Top Shelf Brands $DKTS

header-logoAlonzo Pierce, CEO of Top Shelf Brands Holdings, Inc. (a Nevada Corporation) (OTCBB: DKTS), is pleased to announce that the company has partnered with Big Tent Group, a Louisville-based beverage development company, to promote Besado Tequila as well as entire line of Top Shelf Brands’ premium alcoholic beverages.

Big Tent Group and its affiliates possess a wealth of resources, unparalleled in the alcohol beverage, entertainment, and production industries. Big Tent Group has consistently gained the attention of consumers worldwide by utilizing celebrities to grab notoriety, acquire political support and to, of course, increase sales. Big Tent Group has an outstanding track record of successfully growing sales and gaining global exposure for its partners in the alcohol beverage industry (ABI).

“We are very excited about working with Alonzo, as his vision for Top Shelf Brands is right in line with how we best see fit to market our products and successfully reach the masses in today’s fast-paced, high tech world,” said Big Tent Group co-founder Jeff Freiberger. “We will be transparent in our efforts and will provide the shareholders of Top Shelf Brands updates on our celebrity endorsements, increases in sales volume and any developments that will have an impact on the company bottom line.”

For Pierce, this was clearly a “now and later” opportunity. With Besado Tequila set to hit the market, pending label approval, Big Tent will play an integral part in helping grab an immediate share of the market for this cutting edge, erotic herbal infused tequila. From a future development standpoint, Big Tent will have a synergistic role in securing a bright future for Top Shelf Brands.

besade

“What can I say, this is the perfect partnership for Top Shelf Brands,” Pierce said. “Big Tent has a tremendous reputation for designing and implementing successful branding and sales campaigns and this fills an obvious need for Top Shelf with the impending release of our Besado Tequila.”

Frieberger and his partners took great care in building an industry “dream team,” featuring some of the best marketers, distribution relationship managers, and sales staff in the industry. Frieberger is quite confident that Big Tent Group brings to the partnership the experience that will benefit Top Shelf Brands for many years to come.

“The majority of our team have been in the industry for many years and have held senior positions at some of the most successful Spirits companies in the world,” Frieberger said. “Sales is the ultimate measurement tool and we are the best, bar none, at creating increases in sales volume for our brands, new or existing. Whether it’s promoting a product that has sold a few thousand cases in a year or a few hundred thousand, I can tell you with confidence that we have produced results. One thing is for certain that growth is inevitable with our newly formed partnership with Top Shelf Brands.”

Big Tent Group and its affiliates work regularly with many A-list celebrities and music artists and have a track record of successful marketing campaign efforts that have featured the following artists: Lil Wayne, Drake, Nicki Minaj, Akon, Chris Brown, Trey Songz, Rick Ross, T-Pain, P. Diddy, Flo Rida, Busta Rhymes, Kelly Rowland in addition to many others. The team has hosted some of the highest profile parties at the Kentucky Derby, Playboy Mansion, and top night clubs with celebrity friends LMFAO, Hugh Hefner, Gene Simmons, Jenny McCarthy and others. The team, advisors, and directors of the group have designed and managed campaigns that brought awareness and growth to many staple brands in various categories of the ABI today such as Hpnotiq Liqueur, Rhythm Liqueur, Maker’s Mark Bourbon just to name a few. Big Tent Group advisors have senior management backgrounds at Brown Forman, Heaven Hill as well as many other credible spirits companies.

“Having a solid team is a determining factor in the success of any brand in our industry. We are founded on the idea that we can do it bigger and better than any brand has done it yet and our current results to date tell our story,” Frieberger said. “We have ton of experience in the bar and night club industry and understand our craft better than anyone in the business.”

About TSB: http://www.drinktopshelf.com

Top Shelf Brands Holdings incubates, creates, markets and supplies branded alcoholic beverages with an initial offering of Tequila, Liqueur and Bourbon. Being a federally licensed importer and supplier of alcoholic beverages gives us a competitive edge. Top Shelf Brands is dedicated to “Incubating and Creating Brands People Talk About”. Top Shelf Brands is positioned to capitalize on the $1 trillion spirits industry. Strong growth in the industry is anticipated primarily in the premium category.

This news release contains “forward-looking statements” within the meaning of the U.S. Private Securities Litigation Reform Act of 1995. When used in this release, words such as “estimate,” “expect,” “anticipate,” “projected,” “planned,” “forecasted” and similar expressions are intended to identify forward-looking statements, which are, by their very nature, no guarantees of Top Shelf Brands Holdings, Inc.’s future operational or financial performance, and are subject to risks and uncertainties. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this release. Due to the risks and uncertainties, actual events may differ materially from current expectations. The Company disclaims any intention or obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.