How Can I Become a Millionaire?

By Harold Vladimogul

To become a millionaire on the internet in 12 months, you absolutely have to be able to do a couple of key things. A well established fact of online business is that traffic equals revenue. This is the basic building block of all successful online businesses. You have to be able to harness the massive buying power of the huge flow of online traffic. To do so, one of a couple possible things must happen. You have to:

Have a product or service that is in such high demand that you make enough money to become a millionare in 12 months. This is assuming that you have the ability to create or purchase a robust ecommerce website capable of handling huge customer orders and payment processing and that you have the staff to handle all the front and back end orders.

If you don't have a product or service it is is still possible to become a millionaire in 12 months by selling or promoting someone else's product or service online.

There are many legitimate affiliate programs out there in which established businesses look to leverage their sales with a large affiliate sales force which drives sales for a percentage commission. To do this successfully, you must be able to drive and attract a huge amount of online traffic to the sites, blogs, and social networks you are using to promote the product or service.

The common theme we end up with is that to become a millionaire on the internet in 12 months you have to be able to harness the massive flow of traffic on the web by attracting and driving traffic to your money-making sites, blogs social networks and to affiliate programs that will swap targeted traffic back and forth with you. The key to making milllions online is understanding how to manage traffic.

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How do I know if I need to use a Collection Agency Service?

By JR Rooney

Do you have past due accounts that avoid doing additional business with you because they owe you money, if so a Collection Agency may be of help to you.

By hiring the proper Collection Agency you will accomplish many things. Not only is a well established Collection Agency successful in collecting your past due accounts, but once the accounts have been collected the customer that was avoiding you may very well come back into your company to do business with you again.

Are your employees spending too much time trying to collect past due accounts rather than doing the job you hired them to do in the first place? This is where a Collection Agency can really help your bottom line.

A Collection Agency that has experienced professional collectors can be highly successful in pursuing and collecting your past due accounts and at the same time allowing your employees the time to do the job you hired them to do.

In the end you have to decide if paying a small fee to recover the money that if rightfully yours is worth it.

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Chase Credit Cards No Credit Required

By Louis Soul

In todays world, there's no doubt about how important to people the credit card has become over recent years. Providing you can manage your debts; is there anything wrong with using your credit card to have what you want right now.

One of the most popular brand names of credit cards in the market today is the Chase credit card. The Chase credit card is no different to other well known credit cards and like them accepted around the world. Other cards that are offered include auto cards, students and also travel.

Indeed, there are a number of ways in which Chase credit card can be advantageous and beneficial. Purchasing goods and services on the internet couldn't be simpler with the Chase credit card and is an ideal tool for people with little time to waste. Using the web site, secure of course means that managing your finances is only a few mouse clicks away.

For some people, the ease with which they can go online to manage their account is the only excuse they need to own a Chase credit card. If you are looking to save money then Chase offers waived membership fees along with other introductory deals including low APR's.

There is more than one type of Chase credit card and loyal customers can expect to be rewarded when they use the card. For those that don't fly but still want rewards then they can have a version of the Chase card that will award you points when you spend any money. These points will then enable you to purchase from a Chase credit card catalogue and they will have your chosen item shipped to right next to your doorstep! There are holidays, plus other well sought after rewards and all at no charge to you.

Chase credit cards know that if they look after their customers they won't lose them; a philosophy that many companies could learn from. Well all like our gifts but knowing that no matter where you are or what you are doing there is someone to talk to if you need them can often mean much more than material goods. You will really appreciate this if you are abroad and your card is lost or stolen because a new card will need to be sent to you as soon as possible.

If you are thinking about transferring your balance then this is the way to do it with a guaranteed six month zero percent interest rate which also incorporates current purchase balances as well. A no annual charge policy and if you pay your bill in full, there will not be any other interest charges to pay. Having a Chase credit card also allows the holder to earn cash rewards on purchases. If you are considering transferring your account or balance, it is easy over the internet with the secure server.

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How To Improve Your Credit Score

By John Cooper

Improving your credit score can seem like a daunting task. The credit bureaus claim to factor in hundreds of things and you have no direct control over your score.

Well they are wrong. No matter how bad your credit score is you can take a couple easy steps and improve it.

1. Dispute and remove negative items on your credit report. This can be done yourself or you can hire a service to do it on your behalf.

2. If you have a bad credit item verified or delinquent account then pay them. Work out a payment plan and have them remove the negative credit item in exchange for your payment.

3. Pay your bills on time. It is estimated that missing a payment can damage a good score by up to 50 points.

4. Open a new credit line. This is best if it is a revolving line of credit, for example an unsecured credit card.

This will also help you build a positive payment history by paying your monthly bill. However if you can not qualify for an unsecured credit card then open a secured card, but make sure it reports to all 3 bureaus.

In addition by keeping your balance at approximately 10% of the credit limit it will build the most credit. This shows that you use your credit and use it responsibly.

5. Pay your large debts down. This is called your available credit to debt. The bureaus need to see that you are not in over you head and that you do have credit that is not being used.

These are the five factors you should focus your efforts on. There is however one last factor that is surrounded by controversy.

6. Piggyback credit, this is where you become an authorized user on a high credit limit credit card. The benefit is this account is now reported on your credit report and adding a tremendous boost.

This tactic has been widely abused and the scoring model has adjusted its formula to discount authorized users. However there is a debate over if this change has occurred yet or not.

In sum by doing step one through five you will improve your score dramatically. With an improved credit score you will finally be able to have the quality of life you truly deserve.

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How To Reduce Your Credit Card's Rate of Interest

By Jenni Snook

These days, it's not uncommon for us to own at least one credit card. The average family in America owes between 10-20 different lenders, nearly half of this is to credit cards. Getting a credit card has never been easier. There have been both good and bad consequences of this. Credit cards have allowed to get what we desire at a much quicker pace, however we are ending up paying more for it in the long term.

If you don't see yourself giving your credit cards the chop, then this article will assist you in saving money. In fact, you can start seeing your monthly bills dropping at a quicker rate with just some simple and easy planning.

Charging interest is the main way credit companies make their living. This is the way your payment is used. Firstly, a portion goes to clearing the balance. Secondly, whatever is left over goes to paying the interest.Some of the interest amounts charged by some companies have become ridiculous. Store cards are culprits in this practice, often charging between 30 and 40 percent interest. Those who are in such a situation are left with few possibilities. Signing up for a credit card from a major providers such as Visa or Mastercard is advisable. Their interest rates will vary depending on which bank it is through.

However, there rates are generally much lower that those of store cards. Furthermore, you can enjoy having higher limits with a major credit card. Hence, it is possible for you to combine all your store cards onto 1 major credit card and save a lot of money.

If you've already got a heap of major credit cards, then here are some money saving tips for you. Look around you and you will see a lot of credit card companies competing for business. This creates a few opportunities for customers. You should first phone your credit card company and simply ask for a lower rate. You should be surprised if they give you a lower rate especially if you've been paying your bills on time.

Nevertheless, if you are not successful in doing this, it's recommended that you look around for better deals. All you need to do is to apply for a card that offers a lower interest rate and transfer the old balance onto the new card. You'll be pleasantly surprised at the amount of money you can save by reducing your interest rate by 2 or 3 percent.

Credit cards can be quite costly over a long period of time. But with the money saving tips in the article, you can make a good start to reducing your credit card debt and keep more money for yourself.

About the Author:

Jenni Snook is the main columnist of http://www.HealthyWealthySoul.com, a website focused on giving people advice and resources on personal finance planning to achieve both financial and spiritual bliss in their lives.