วันพฤหัสบดีที่ 30 ตุลาคม พ.ศ. 2551

Why Manners Maketh the Freelance Writer

Lately I've been noticing an odd trend amongst the freelance writers who contact us every week: rudeness.

First there was the writer who accepted a job found on our boards and forwarded the completed assignment to the employer with the words, "Project attached. Email me payment immediately." No please, no thank you ? in fact, no niceties at all.

Needless to say, the employer wasn't impressed (I know because he forwarded the email to me, asking if all of our members were quite so blunt.) He told us that although the writing was of an acceptable standard, and was delivered on time, he wouldn't be using that person again. His reason? He didn't like her manners, simple as that.

Then there was the freelancer who provided us the wrong paypal address for her payment. We paid her, not realizing the address was wrong, and it wasn't until a few days later, when she emailed us again, that we realized what had happened. No problem: We cancelled the first payment and immediately reissued it to the correct address, along with an email explaining what had happened.

In response, we received a tirade of abuse from the freelancer in question, who had received the paypal cancellation notification, and not bothered to read our explanatory email before she decided to get nasty and assume we hadn't paid her. This piece of vitriol was almost instantly followed by a second missive saying "oops, I've just realized that you did pay me after all."

While we were glad that she'd realized her mistake, we were rather less pleased to notice that she made no apology for her first, highly abusive email. Needless to say, this isn't someone we'll be recommending to any other employers in a hurry.

Then there was the person who sent an aggressive email in response to our automatic notification of a new project ? a notification which, I hasten to add, she'd signed up to receive. "This is the second email I've received from you today!" she said, "For god's sake, stop emailing me!"

Now, I dare say that all of these freelancers are superb, highly talented writers. Unfortunately, though, I won't be recommending them to anyone, and if their behavior towards us is typical of their behavior towards other employers, I doubt anyone else will either.

The fact is that freelance writing is a business, and it's not just your writing you're selling: it's yourself. No matter how great a writer you are, if you're rude to employers, or difficult to work with, you'll find it very difficult to make a living from it. Above anything else, employers want writers they can work with. Professionals, who won't react to a misunderstanding by lashing out in anger, who won't just demand payment without at least checking that the work is satisfactory, who know how to say "please" and "thank you", and when not to fire off an email that would be better left until the cold light of day.

As the actress Lillian Gish once said, "You can get through life with bad manners, but it's easier with good manners." It applies to freelance writing, just as much as to life itself. And if you don't believe me, try cursing out the next editor who accepts your work, and see how far you get!

Amber McNaught is a freelance writer and editor and the owner of http://www.WritingWorld.org, an online agency for freelance writers, editors and proofreaders.

Amber is also a director of Hot Igloo Productions Ltd, offering press release writing and distribution, as well as website design.

วันอังคารที่ 28 ตุลาคม พ.ศ. 2551

Vacation Getaways and Healthy Living Tips

Going away on a vacation brings numerous benefits. It refreshes our enthusiasm, helps us to know ourselves a little better, and makes us, upon our return home, happier, healthier, and much more effective in coping with stress. The key to reaping the benefits of traveling is in the going away. Hardly anyone reaps a benefit from spending a vacation time at home to work around the house.

Want a reason or two to go away on vacation? Here are fifteen:

1. Relaxation: Vacations break our day-to-day routine.

2. Stimulation of new sights: New sights give us new insights.

3. Meeting new people: Seeing how other people live broadens our perspective on our own live.

4. Fellowship and camaraderie: Shared hardships and good times form long-lasting bonds of love and friendship.

5. Education: We learn new skills and activities. Remember when you picked your first farm-fresh fruit or vegetable, climbed a mountain, learned a new language?

6. Adventure: Travel returns a sense of adventure to our life and improves our self-esteem when we accept and conquer challenges that don't exist in our routine life.

7. Surprise: It is the unexpected surprises in life that give us some of our fondest memories.

8. Beauty: When we open our eyes and take in new sights, we begin to tune into the majesty of nature.

9. Anticipation: The planning and preparation give us some of the most pleasurable experiences we can recall. 10. Memories: We'll always have the joy of reflecting on our pleasant memories.

11. Freedom: A vacation gives us the freedom to do what we want to do. Even if we are generally satisfied, we may yearn for something more.

12. Self-discovery: In letting our soul talk to us, we develop our inner peace, creativity, and harmony.

13. Appreciation of things taken for granted: When we get home, we will get more out of life. We will notice the miracles where we live.

14. Time stands still: The best part is when we get completely lost in the moment.

15. Happiness: Constructive use of leisure time makes us happier people. The major goal of a vacation is happiness.

After all the above, your vacation or getaway experience will be one of the most relaxing and refreshing times away. We wish you all the best. Happy Travels!

Darren H.

http://www.greatwestcabins.com

วันเสาร์ที่ 25 ตุลาคม พ.ศ. 2551

Nurturing Your Spirit

Do you ever wonder about the other "YOU ?"

The one that speaks to you quietly, the one that helps you find inspiration. It is in your spirit that the feeling of love and peace reign supreme. It is where happiness is free to embrace you.

It is the voice that shouts the emptiness of your life, despite all the trappings of luxury that you surround yourself with. It is the loneliness that overwhelms you , calling to you to wake up. There's more to life than wallowing in your misery. It's your spirit starved for attention and love.

Ever wonder who you truly share the heights of joy, or the depths of pain and sorrow, when everyone else is out of reach ? Reach out within yourself.

What gives you strength, courage and empowerment? Why does negative self-talk feel magnified especially in your solitude?

We all have a Spirit, if you would stop, listen and nurture it. It will not lead you astray. Negative vibrations weigh you down, because the spirit does not want to have anything to do with your negative attitudes. It serves you no purpose. It's almost trying to tell you, Hey, if you pursue this course, you're on your own. Listen to me and I'll show you a better way.

Do not confuse connecting with your spirit with denial.

To acknowledge your spirit steers you clear of the mental chaos and confusion that magnifies the trials, obscures the solutions, clouds your judgment and drags you deeper in the mire. Denial is the result of being disconnected with your spirit.

Problems, trials, disappointments are part of life. No matter how dark the clouds are, through blizzard, storm and tsunami, the sun always comes up, bright and warm.

Think about it, ask yourself, how can you nurture your spirit? This is how I do it:

-Start and end my day with a prayer of gratitude.

-Meditate , stay grounded and live in the present.

-Today well-lived makes for a better tomorrow.

-Know that problems are but stepping stones to better times,

-Count my blessings, share what I can with others.

-Read inspiring books and quotations.

-Listen to soothing music,play the piano

-Appreciate nature's beauty

-Know that patience is a virtue,i.e., grin and bear it,

-Try to show compassion/ kindness, for everyone has their own battles to fight.

-Let those I love know they are loved everyday.

-Let bygones be bygones

-Move on, for there's nothing I can do about what's past but learn from it.

-Dream a bit.

About the writer:

Bonnie Moss writes about spirituality, tools available to all to walk the path. Visit her website , a metaphysical site that offers information on tarot, crystals, aura,angels, journalling and other topics. She is the Executive Secretary of Tarot Canada International, as well as a regular contributor of articles to the newletter, Future Endeavours. She is a tarot consultant and also does dream interpretations.

Visit her website: http://goldencupcafe.tripod.com

วันพุธที่ 22 ตุลาคม พ.ศ. 2551

Selling Is Not A Dirty Word

Selling--a word that strikes terror in writers and professionals. We love to write. We love our work. We love to speak. We hate to SELL.

Our print and eBooks may go unread because we don't get the word out. Our products and services don't sell because we don't include enough benefits to give our buyers a reason to buy. Maybe that's because we imagine the used car salesman or the vacuum sales person. They annoyed us because they didn't listen, they pushed, and we felt attacked. We defended our position, and that's what we think others do when we share our books or eBooks.

When you think of selling, think of sharing the love that went into your book, product, or service and the unique, important benefits it delivers. Think, "Now that I've planted this garden, I want to reap its harvest. If I don't share the word with others, my garden will die from lack of attention."

If you are like me, you will want to put both your attention and intention on your book, product, or service. Yes, use powerful words to describe your products. Follow my lead and let your audience know about your top product or service through an ezine, press release, writing and submitting free articles Online, sending email follow ups, giving freebies to attract folks to your site, or learning how to sell without a Web Site.

Book Example:

To raise your book "Selling" awareness, check out the acronym below:

S - Sharing my book; educating and entertaining people with my unique information

E - Expecting positive outcomes; knowing my book's value, living it, and offering it with my short blurb--the "30-60 Second Tell and Sell"

L - Listening to other professionals who have shared their books and created ongoing lifelong income, raised their credibility as a speaker, coach, or other professional, as well as living a grand adventure.

L - Listening to what my reader's problems and needs are, so I can serve them through the essential "7 Hot-Selling Points."

I - Involving people by sending them parts of the book, ask them to vote from 1-10 on each part. They could also add words or phrases that I didn't think of. Always thinking, "does my book suit my audience's needs?"

N - Nurturing business relationships through networking as a savvy friend who follows up regularly.

G - Gaining enthusiasm from all the people who already love my book--enough to give me quality, specific testimonials.

Share your good feelings and good words about your eBook, products, or services with others. Show them how you can help them. It's OK to sell because your book or anything else because you offer value to help others.

Judy Cullins, 20-year book and Internet Marketing Coach, Author of 10 eBooks including "Write your eBook Fast," and "How to Market your Business on the Internet," she offers free help through her 2 monthly ezines, The Book Coach Says...and Business Tip of the Month at http://www.bookcoaching.com/opt-in.shtml and over 140 free articles. Email her at mailto:Judy@bookcoaching.com

วันอาทิตย์ที่ 19 ตุลาคม พ.ศ. 2551

The 7 Deadly Sins of Press Releases

A press release is often your only chance to make a great first impression.

Newspapers, magazines and trade publications receive them by the truckload. That means sloppy, inaccurate, pointless releases are the first to hit the newsroom wastebasket. To make sure yours isn't one of them, avoid these 7 Deadly Sins:

1. Providing insufficient or wrong information on your press releases, particularly telephone numbers. Releases must be complete, accurate and specific. (Note: A news release is the same as a press release.)

2. Writing too long. They should be no longer than a page.

3. Sending it too late. Mail or fax it to local media at least two weeks before an event, preferably three or four. Major magazines work four to six months ahead of time.

4. Sending a release with no news value. News is what happens that is different. If it isn't different, it isn't news.

5. Blatant commercialism. Avoid hackneyed words and phrases such as spectacular, incredible, the only one of its kind, breakthrough, cutting-edge, unique and state-of-the-art.

6. Omitting a contact name and phone number. At the top of the first page in the left corner, let editors know who they can call if they have questions. Include day, evening and cell phone numbers.

7. Calling after you send a release and asking questions like "Did you get my news release?" or "Do you know when it will be printed?" Don't follow up with a phone call to see if the media got your release, unless you are absolutely sure that someone will check for you. Most reporters and editors don't have time. If you do follow up, make sure you have a reason to call. Suggest a particular angle to your story, or ask the media people if they need any other information.

Joan Stewart publishes the free ezine "The Publicity Hound's Tips of the Week," packed with valuable tips on how to generate thousands of dollars in free publicity. Subscribe at http://www.PublicityHound.com and receive free the handy checklist "89 Reasons to Send a News Release."

วันพฤหัสบดีที่ 16 ตุลาคม พ.ศ. 2551

Baptisms And Alternative Ways To Hold A Naming Ceremony


Traditionally, babies have been named at a christening/baptism. Most still are, but increasingly parents are choosing an alternative, non-religious ceremony.

There are three types of service available at a Church.

  • The traditional Infant Baptism (which most people call a 'christening'), here the parents declare the child to be a follower of Jesus Christ;
  • A service of Dedication, when the parents make promises about the upbringing of their child - these services are common in Baptist churches; and
  • A Thanksgiving for the Gift of a Child, a service of Blessing which is based on what Jesus did when children were brought to Him. This service is increasingly popular in the Church of England as parents are less inclined to make promises on the child's behalf that he or she may not wish to keep later in life.

Many parents don't go to church themselves and don't want to have their child named in a church service. There are alternatives.

You can hold a family gathering at your own home or a hired venue near home at which the baby is named. You can do this yourself, have a senior member of the family perform the naming, or bring someone in to hold a formal ceremony.

The Baby Naming Society will help you to put on a religious or non-religious ceremony. For less than ?30, they will provide:

  • A personalised script from a choice of ceremonies;
  • A short programme which can be copied for your guests;
  • A certificate for you to keep as a memento of the service;
  • Copies of readings chosen from the Society's selection.

Another source worth looking at is the British Humanist Association where you will be able to get similar advise. The BHA are non-religious.

A helpful book, New Arrivals, is available. Contact them at www.humanism.org.uk.

****************************************************************
Author: Tony Luck who runs a site where you will find advice on pregnancy and looking after a baby.

วันอังคารที่ 14 ตุลาคม พ.ศ. 2551

A Guide to Arthritis Pain Relief

In a recent survey on pain conducted by the Stanford University Medical Center, arthritis pain was cited as the chief complaint among America's seniors, with thirty-two percent of the senior population listing arthritis as the specific cause of their suffering. Arthritis does strike children and young adults as well, although it afflicts the mature segment of the population more frequently. It is estimated that 15% of the American adult population suffer from arthritis, and this number is rising, increasing the demand for arthritis pain relief.

Arthritis is a general term encompassing over 100 different medical conditions that affect the musculoskeletal system, the three most common being osteoarthritis, rheumatoid arthritis, and gout. It causes inflammation in the joints, tendons and ligaments. It manifests in every part of the body, ranging from mild joint stiffness to crippling disability. Sufferers experience the pain of arthritis differently, too; for some, arthritis is at it is most severe upon waking up, while others report that their condition worsens throughout the day. No one knows exactly what causes arthritis, but it is among the oldest of human afflictions.

The type of arthritis and intensity of the condition determine the course of treatment. There is no cure for arthritis, but there are traditional and alternative treatments that can bring arthritis pain relief. Prescription and over-the-counter medications are popular for treating arthritis pain. Acetaminophen (Tylenol) is often recommended for osteoarthritis patients with little or mild inflammation, while aspirin and other nonsteroidal anti-inflammatory drugs (NSAIDs) such as ibuprofen work best for patients with inflammatory rheumatoid arthritis.

The healing touch of massage may stimulate the flow of blood, bringing heat and relief to stiff joints. Alternative therapies such as acupuncture, relaxation, yoga, and even emu oil are have proven effective for many arthritis sufferers.

Heat and cold can help alleviate pain too, but since moist heat, such as that from a bath, acts differently than the dry heat of a heating pad or the cold of an ice pack, this type of treatment needs to be discussed with a doctor or physical therapist. Doctors also often recommend patients wear splints or braces to relieve joint pressure and protect them from further injury.

Another technique, called transcutaneous electrical nerve stimulation (TENS), works by blocking nerve endings from sending pain messages to the brain, so that the pain is never felt! A small TENS device sends mild electrical pulses to the nerve endings of the painful area, which seem to 'scramble' their message to the brain.

Medications top the list for long-term arthritis pain relief, and include several families of prescription drugs. Weight reduction, exercise, and stretching can all go a long way toward reducing stress on joints.

Surgery may be necessary for patients with severe arthritis. The operation may realign the joint or replace the damaged joint with an artificial one. Total joint replacement has resulted in dramatic arthritis pain relief and improved range of motion for many patients.

The most difficult but often the most effective pain reliever is establishing a healthy lifestyle - eating a healthy diet, getting enough sleep at night, and daily exercise. All of these help ease the pain of chronic arthritis. Support groups, a good physician, and making the effort to stay informed about arthritis treatment often benefits of patients suffering from arthritis as well.

Pain Relief Info provides detailed information on arthritis, back, joint, lower back, natural, chronic, neck, sciatica, knee, fibromyalgia, and muscle pain relief. Pain Relief Info is the sister site of Acid Reflux Web.

วันเสาร์ที่ 11 ตุลาคม พ.ศ. 2551

Money With The Click of a Mouse

Online payday loans seem to be popping up everywhere. A simple web search will positively crowd your screen with online payday loans sites hoping to get your business. Are online payday loans sites as legitimate as the corner "Cash Advance" business near your home? They seem to be identical, with a few crucial differences.

Online payday loans websites won't make you stand in long lines, or cause you to feel uncomfortable for being there. Online payday loans appear to be as easy as clicking your computer mouse and filling out some forms with personal information. Online payday loans can be gargantuan. Some online payday loans sites offer you from five hundred to one thousand dollars in an overnight delivery for the next morning. But it would be smart to do research on online payday loans before signing any of your personal information away.

Also, take the time to calculate whether or not the online payday loans system will actually work to your advantage. Some simple mathematics can save your budget in the long run if you're smart about online payday loans today. For example, before you sign up for anything upfront, find out how much interest the online payday loans site is planning to charge you when you repay the loan. It could be anywhere from eight and a half percent interest to over ten percent interest.

This amount sounds small, but ten percent of three thousand is three hundred, and if you're in dire need of online payday loans now, you might also have trouble coming up with an extra three hundred bucks in the future, when online payday loans will no longer be an option for you. Given the fact that several if not all online payday loans websites raise the interest rates based on how many days or weeks or months it takes you to pay them back, asking for online payday loans might be a bad idea. Still, if this is a rare situation and you know you'll be back on your feet soon, go for it. Perhaps for you, online payday loans will pay off in the long and short run.

Tim Gorman is a successful webmaster and publisher of Military-Loans-Online.com an online website that offers money saving rates on auto, home, bad credit, online pay day loans and other free loan information that you can view in the privacy of your own home.

วันพุธที่ 8 ตุลาคม พ.ศ. 2551

Top 20 Love Quotations

  • "In real love you want the other person's good. In romantic love, you want the other person."
    -- Margaret Anderson

  • "Love is a force more formidable than any other. It is invisible -- it cannot be seen or measured, yet it is powerful enough to transform you in a moment, and offer you more joy than any material possession could."
    -- Barbara De Angelis

  • "We always believe our first love is our last, and our last love our first."
    -- Anonymous

  • "We come to love not by finding a perfect person, but by learning to see an imperfect person perfectly."
    -- Anonymous

  • "If it is your time, love will track you down like a cruise missile."
    -- Lynda Barry

  • "Love is patient and kind; love is not jealous or boastful; it is not arrogant or rude. [I Corinthians]"
    -- Bible

  • "You can give without loving, but you cannot love without giving."
    -- Amy Carmichael

  • "The way to love anything is to realize that it might be lost."
    -- G. K. Chesterton

  • "I love you, not for what you are, but for what I am when I am with you."
    -- Roy Croft

  • "Love, while you are able to love."
    -- A. Frieligrath

  • "Love and a cough cannot be hid."
    -- George Hebert

  • " True love is like ghosts, which everybody talks about and few have seen. "
    -- Francois De La Rochefoucauld

  • " Treasure the love you receive above all. It will survive long after your gold and good health have vanished. "
    -- Og Mandino

  • " Love is much like a wild rose, beautiful and calm, but willing to draw blood in its defense. "
    -- Mark Overby

  • "We cannot really love anybody with whom we never laugh."
    -- Agnes Repplier

  • " There is only one happiness in life -- to love and to be loved. "
    -- George Sand

  • "Live for love. Without love, you don't live. "
    -- Unknown

  • "Love is like playing the piano. First you must learn to play by the rules, then you must forget the rules and play from your heart."
    -- Unknown

  • "Some love lasts a lifetime. True love lasts forever."
    -- Unknown

  • " Love is not only something you feel. It's something you do. "
    -- David Wilkerson

    Resource Box - ? Danielle Hollister (2004) is the Publisher of BellaOnline Quotations Zine
    - A free newsletter for quote lovers featuring more than 10,000 quotations in dozens of categories like - love, friendship, children, inspiration, success, wisdom, family, life, and many more. Read it - online

  • วันอาทิตย์ที่ 5 ตุลาคม พ.ศ. 2551

    Gemstones Natural vs Synthetic

    What is a synthetic gemstone? A synthetic gem is created in a laboratory under controlled conditions. The gem is grown from a natural gemstone "seed". By controlling the environment in which the gem is grown, impurities and inclusions can be avoided which occur in natural gemstones. The created stones have perfect color and clarity which is so highly desired. Most natural gemstones have imperfections due to uncontrolled growing conditions in nature. Synthetic stones will have the same chemical, physical, and optical properties of their natural counterparts without the imperfections.

    A good analogy for synthetic gemstone creation is growing roses. Roses grown in a hot house where their growing environment is controlled will be closer to perfection than roses that are grown in your backyard. They're both roses, but the backyard rose will most likely be flawed or imperfect due to disease, insects, and other environmental impacts. Not so with the hot house rose because of the controlled conditions.

    Don't confuse simulant gemstones with synthetic gemstones. Simulants can be made up of any substance, like glass. They are made to simulate a particular gemstone, but they do not have the same chemical, physical, and optical properties of the natural gemstone like the synthetic gemstone. Some examples of simulants are cubic zirconia, moissanite, and yttrium aluminum garnet which are diamond simulants.

    The most popular gemstones that synthetics have been created for are emeralds, sapphires, rubies and alexandrites. I'm sure you have seen jewelry with synthetic stones, also known as "created" gemstones in your local retail jewelry store. They are easier to obtain and less costly than natural gemstones. Synthetics have made it more affordable for people to own nice jewelry and many prefer the flawless created stones compared to the natural stones. You can usually spot a "created" stone because it's just too perfect in color and clarity. A natural stone, especially in rubies, sapphires, and emeralds, which is perfect in color and clarity, is scarce and the cost is beyond most people's means.

    Should you buy a synthetic gemstone or jewelry with created stones over the natural gemstone choices? I would recommend going with your own personal preference. If you want a piece of jewelry with a flawless, perfect gem, then go with the synthetic gemstone. Also, if cost is a deciding factor. As a collector/investor my preference would be for the natural gemstone. It's value and appreciation factor will be much greater, flawed or not.

    It's interesting that there are some gemstones man has not been able to synthesize in a laboratory. One example is the garnet family of gems. They have not been able to unlock garnet's secrets to create it in a lab.

    How do I know if the gemstone is natural, synthetic (created), or a simulant? If you can't tell by your own examination...ask! A reputable dealer or jeweler will be honest about the origins of the stone. If they don't know or won't say, then don't buy!

    Another interesting fact about gemstones that is not common knowledge to the public is that the majority of gems on the market have been treated to create or enhance their color and clarity. There are many different treatments used today. Heat treatment is the most common and widely used. I have written another article specifically regarding gemstone treatments. You can go to Gemstone Treatments to read more on the subject.

    As a gemstone collector/investor, as stated before, my preference is for natural gemstones, but as an adornment in jewelry a synthetic gemstone makes for a gorgeous ring, earrings or pendant at an affordable price.

    ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
    Learn and read more about gemstones by purchasing Debra's E-book titled "A New Collector's Gemstone Guide" at http://www.profitfromhomebiz.com
    ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

    วันพฤหัสบดีที่ 2 ตุลาคม พ.ศ. 2551

    Comprehending a Credit Report

    Obtaining a credit report is an excellent way to begin taking control of your financial future. It's recommended that you review your credit report once a year, not only to be aware of your standing with creditors but to also keep abreast of errors and fraud. However, once your report arrives you may have trouble making sense of it. How are you to read and understand a credit report?

    There are three major credit reporting agencies that issue credit bureau reports; Experian, TransUnion and Equifax. It is recommended that you obtain reports from all 3 credit report agencies as they most likely contain varying information since creditors subscribe to agencies on a purely voluntary basis. The credit reports provided by each of the different bureaus may present somewhat differently but generally speaking the information will be broken down in much the same way.

    There are four main parts to the credit report: personal profile, credit history, public records and inquires. Check each section carefully for any errors. Note any errors you may discover on a separate piece of paper as you read over your report.

    Personal Profile

    At the top of the credit report you will find all your basic information such as your full name, current and previous addresses and employers, social security number, and date of birth. Your spouse's name may also appear if applicable. In addition, you may notice several variations of your name listed. This can occur when creditors record the information incorrectly. These discrepancies are usually left on your credit report. It is important however, to ensure that your address is correct. An incorrect address could alert you to a possible identity theft.

    Credit History

    The next section is your credit history. This provides you with an itemized list of your current active, past closed accounts and their balances or arrears. Listed first is the name of the creditor and your account number for each bill--sometimes the account numbers may appear partially obscured for security purposes. These debts could include real estate mortgages, credit cards, car loans, or medical bills.

    There will be a column for identifying the nature of the account; Joint, Individual, Undesignated, Authorized User, Terminated, Maker, Co-signer or Shared. There will also be a notation of the date when the account was opened, number of months the account payment history has been reported and date of last activity. The report will show your high credit limit or the maximum you are allowed to borrow, if applicable. There is a column for Terms which indicates the number of instalments or monthly payments remaining on the account.

    The next few columns will show the balance remaining on the account, any past due amounts and the status of the accounts. There are two types of accounts; instalment and revolving. An Instalment account means that there are fixed payments and a specific ending date, such as with a car loan. A revolving account is one with no fixed ending date as with credit card debts. Creditors like to see few revolving debts.

    The credit report will indicate the different types of accounts and also may assign it a numerical ratings system. You may see such symbols as R1, R2, R3 or I1, I2, I3.The R or I indicates Revolving or Instalment and the numbers indicate the payment history of the account as follows;

    • 0- account hasn't been used yet

    • 1- paid as agreed

    • 2- 30 plus days past due

    • 3- 60 plus days past due

    • 4- 90 plus days past due

    • 5- 120 plus days past due

    • 7- Collection account or bankruptcy

    • 8- Repossession or foreclosure

    • 9- Charged off or bad debt

    The credit report will also show a record of any debts that have been turned over to a collection agency. It will show the date the collection was reported, the name of the company handling the collections and the company or lender that the loan was originally issued with and the balance remaining on the account.

    Public Records

    These are reports obtained from local, state and federal courts. They will indicate records of bankruptcies, tax liens and monetary judgments. Overdue child support records may also be shown. These public records will remain part of your credit history for seven to ten years and reflect negatively on your total credit score.

    Inquiry Section

    This section reveals any parties that have obtained a copy of your credit report over the last two years. There are generally two types of inquires, hard and soft. A hard inquiry is one initiated by you, whenever you apply for a loan or fill out a credit application. A soft inquiry comes in three forms; companies that wish to offer you promotional applications for credit, current creditors that are monitoring your account or credit bureau inquires requested by you, the consumer. These soft inquires do not show up on credit reports that businesses receive, only on copies provided to you. Although many lenders will view too many inquiries on your report as negative, it is important to note that two or more 'hard' inquires within a 14 day period count as just one inquiry.

    Credit Score

    The credit report can also reveal your credit score. A credit rating scores is a means of calculating an individual's credit risk to determine how likely they would be to make good on a loan. The score is a three digit number ranging between 300 and 850. The higher your score, the better it reflects on you as a borrower. A good credit rating score will enable you to negotiate for better interest rates.

    Disputes

    What if you should find an error on your credit report? Once you have discovered an error, contact the credit bureau that issued the credit report and state in writing what you found to be inaccurate. You will find the contact information listed at the top of your credit report.

    The credit reporting companies must reinvestigate the claim within 30 days. They will then contact the party that submitted the item and attempt to resolve the dispute as quickly as possible. Remember, you have the right under the Fair Credit Reporting Act to dispute any inaccurate or fraudulent information that may appear on your credit report, and should do so in a timely fashion.

    Once you learn to read and understand a credit report, you are moving towards a more secure financial future. Obtain your report today!

    About The Author

    Melanie Cossey is a successful home based freelance writer. Melanie writes many informative articles on the topic of credit, such as What is a FICO score and why is it important and Comprehending a Credit Report. To lean more about credit reports visit http://www.ultimate-credit-report.com for more on credit scores visit http://www.ultimate-credit-report.com/credit-score.html