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The following might be hard to believe. Surveys tell us that 90% of consumers do not know what their credit score is. It is important to know how your credit score is costing you money, probable in more ways than you think.

You probably already realize that a low credit score makes your purchases more expensive due to higher interest rates. Credit lenders will consider you a higher credit risk. As a result you will have higher interest rates on home purchases, car purchases and on your credit cards. This is considered to be common knowledge. The truth is however, that very few realize how devastating the effects truly are.

Here is a simple example. When you buy a home for $200,000 for 30 years with a fixed rate mortgage at 8 percent (as opposed to 6 percent, due to your credit score), that 2 percent difference is going to cost you over $96,000.

The above is an obvious example. Few people comprehend how your low credit score increases your cost of living on a yearly basis. Besides your home, car and credit cards, a low credit score will increase what you pay for other things as well.

One that you may not be aware of is auto insurance. Auto insurers will use your credit score to underwrite your policy. The same is true of homeowners insurance. Insurance companies see a direct connection between your credit score and increased property claims. Not surprisingly, low credit scores result in higher rates.

This also applies to both health and life insurance. Customers who pay on time and without a lapse in their payments are more profitable. Customers with low credit scores will pay a premium in order to obtain the same insurance.

It may come as a surprise that employers are now doing credit checks on potential employees. Employers will claim that they do this to verify your residence and possibly where you have worked in the past. However, it is safe to assume that they are looking at how you handle your finances as well.

This presents some serious problems. To make matters even worse, the Public Research Interest Group says that as much as 79 percent of all the credit reports contain some errors. It also states that 25 percent of these are serious enough to cause the denial of credit.

When you stop and think about this it is problematic because of the growing impact that a credit report represents in our lives.

George Burns is the co-publisher of Fixing Credit Score which be found at http://fixing-credit-score.blogspot.com, a popular website that provides tips, advice and resources that include How To Fix Your Credit Score.

Sign up for two free gifts: A free ebook, "The Credit Secrets Mini-Book" and a free ecourse, "7 Things You Must Know About Your Credit" at http://www.internet-marketing-dot-com.com/credit_repair/credit_repair_ecourse.html

# posted by ujx @ 2:03 PM 0 comments

Studies and books are no more confined to pen and paper. In the era of computers books can be read as well as written electronically. Such an assimilated source of information and amusement on Internet is known as e-book. An e-book thus refers to a book that is available in electronic format. Most often e-books come in Adobe PDF or e-book Reader format, or in Microsofts LIT format but e-books are also available in several other formats. In comparison to numerous others a good e-book is one that makes effective use of technology, with tables of contents that link to the right chapters and search capabilities. An e-book can also present links to other websites and files.

However you may have an e-book that has novel and original content and is a perfect solution to problems of the readers but the ideal customers will purchase your e-book only when they have heard of it before and they know well about the task that your e-book can accomplish for them. Thus it becomes important for the author to also promote or publicize his e-book in all best possible ways. E-book promotion is a definite and fundamental step to not just acquire a desired outcome of your e-book but also to stand best among the rest.

The foremost step in e-book promotion can be letting people see some part of your e-book for free. This is quite a common strategy often adopted by best selling authors who serialize the first several chapters of their latest releases in magazines. All you have to do in this case is to hunt for some websites or newsletters in consonance with what is written in your e-book. Make a nearly 500-1000 words excerpt from your e-book that can be read as a free article providing information on the topic. Dont forget to mention your name, the e-books name and the publishers URL in the byline. Submit your article to different article alleys and zines. You must even browse for contemporary and past literary award winners and their works. There you will also find submission requirements and instructions to submit your work for reflection.

Secondly try to mention the e-publishers URL on your e-book cover art. This is helpful when the cover is used to represent your work on other websites or in printed matter. You can also pick up your local newspaper and make a reference there of your latest e-book as an ideal gift for any occasion.

Look for advertisements in the Sunday newspaper. In order to make good business as well as promote your e-book present your services to any and every comer. You can also try the channel of radio by engaging in discussions held on your topic. Here you can give and also seek advice as an e-author.

E-book promotion should also be done with the help of some commonplace remedies such as putting up the poster of the cover page in your office, home, cubicle etc. Make sure that you include your e-publishers URL in the frame. Try that maximum people pay heed to the e-books poster.

If written and publicized in an appropriate manner, e-book can be extremely beneficial to its author in terms of money and fame.

Mansi Aggarwal recommends that you visit E-book promotion for more information.

# posted by ujx @ 7:50 AM 0 comments