How Closing Accounts Can Kill Your Credit Score

One of the major factors of how your credit score is calculated is your capacity. This is the ratio of credit used to the amount of credit that is available. This accounts for 30 percent (almost a third!) of your credit score. For example if you have 5 credit cards with a $1000 limit and you have 3 of them maxed out and 2 of them inactive your capacity would be at 60 percent, $3000 of your $5000 total credit limit. This is not good in the eyes of the lenders and your credit score would suffer because its ideal to be at 10 percent of your capacity.

Remember a credit score is a formula measuring your ability to pay back your debts and obligations. If you have a high capacity and little room left for your maximum then your ability to pay back your obligations is viewed as more limited.

So in the example above, lets say you decide to close the 2 inactive cards for whatever reason. Nowadays, the credit card companies will charge a fee to inactive cards so a lot of people are now closing their inactive accounts. Well unfortunately, they are killing their credit score. If you are maxed out on three cards and you close the other 2, guess what, you are now at 100 percent capacity because your total credit limit is now $3000 instead of $5000. I know from personal experience this will cause your credit score to plummet.

My advice? Don’t close your inactive cards. Use them once a month, maybe for gas, or treat yourself to a latte from Starbucks. Then pay them off immediately so you don’t incur any interest. Do what you can to pay off the cards that are maxed out, or at least get them down to where your balance is under 10 percent of the limit. If you can, try to transfer the balance to a lower interest card, so it can save you a few bucks on the interest. This strategy is sure to improve your credit score because capacity is a major factor, and if your capacity improves, your score improves.

Asking your bank for a credit limit increase on some of your cards isn’t suggested nowadays, this is a strategy that old credit repair people recommended but in today’s economy with the credit crunch, it prompts an account review, which for some quirky reason, may cause the banks to LOWER your credit limit. This would damage your capacity as well.

You are already disciplined enough to not spend on two cards. You are unique in today’s credit crunch world, use your discipline to your advantage, don’t close your accounts. You will be doing more harm to your credit score than good.

7 Search Engine Optimization Mistakes and Solutions

To many websites, webmasters discover that major sources of website traffic come from search engines. Therefore, they are

all keen on gaining top search engine placements through search engine optimization.

Based on our several years of SEO experience, we point out some common mistakes and shed some lights to correct it.

1. Cannot Get Indexed by Search Engines, Really?

A garment ERP software solution provider came to me and asked a question: “I have established a new website for 1 year, and found a SEO company to submit my website. However, my website can be found in search engines only when I type my domain name http://www.indigo8-solutions.com in search query box. The SEO company told me

my domain got banned. What can I do?”

Ah, I told them they have been fooled by that SEO company. If you type your domain name in search box and your website can be found, which means your website has not been banned. Interestingly, your SEO company’s domain name is no longer found in Google. Their domain got banned only.

To help them find out their real problems, I found the following in search engines:

a. When typing their domain name in search query box, their site will be displayed in search result. Instead of displaying

Title Tag in the search result, search engine displays their domain name only.

b. Only 1 page is being indexed.

What’s the problem then?

With a closer look to their coding, I found that at the top of their webpage, they heavily use Javascript to present their

heading, company name, visible content, and website menu. Actually, many search engines have difficulties in reading Javascript codes.

Solution?

Put those Javascript in external js files and leave the webpages with plain HTML codes. Search engines usually have problems in crawling Javascript. Since their whole site navigation menu is written in Javascript, they should build a sitemap using plain HTML so that search engines can read all of their pages.

One more tips: When you cannot get indexed by search engines, do not blindly believe someone saying that your website get

banned. You should firstly look at your website structure and see if your coding are clumsy and make search engines hard to

“read” your website.

The problem created by Javascript is not uncommon nowadays. Even a very big Asia

Market Research Firm also commits this error. They are now starting to rectify it.

2. Link Building

In many forums, some people are strongly opposed to link exchange and claim that it is a devil and it hurts your search

engine ranking and even get you banned.

I personally do not agree. Evidence shows that many top sites are doing link exchange and getting top rankings across all

major search engines. In addition, link exchange has been a long used way for traffic building by smaller websites. I do

not see why search engines will block people to promote websites using this simple and long used method.

Indeed, link exchange becomes a problem only when you manipulate link text with a pure purpose of tricking search engines, exchange links with link farms, or buy hundreds of domain names and cross-link with your site.

A solution to avoid link exchange hurting you includes:

- Use a wide variety of link text

- Seek link exchange with sites of similar theme

- Emphasize on how many traffic you can get from your link partners instead of search engine ranking

Some webmasters know the importance of link exchange. However, they think that it consumes most of their time and finally give up doing it. A solution is that you can consider using Linkautomate.com to manage your links. This kind of software saves you time in link checking and link page update.

3. Use of Flash Intro

Web design companies try hard to persuade you to use a Flash introduction as your homepage. You think that “Wow! The flash

animation is very appealing and it makes your site looks more attractive”. However, do you know that it can hurt your website in search engine ranking?

Let me explain..

Search engines analyze website based on text. Flash, unluckily, is not text. According to “How to Design Website Guideline” of Siuchu Suga, search engines are not able to read content presented by

Flash. They just treat Flash as an embedded object or graphics only. If you use a Flash Intro as your homepage, you will never get good rankings.

In addition, many Flash intro do not offer additional and meaningful content to visitors. Ask your visitors, how many of

them are really interested in reading your Flash Intro before going straight to your website content?

A solution to use Flash or not, please ask yourself whether the Flash intro is really useful and can offer additional information to your visitors? Secondly, instead of a Flash homepage, you may consider making a Flash header together with

content at your homepage.

4. Hidden Text and Meta Tags

Webmasters understand that keyword density is a way to improve search engine ranking, and some webmasters use a technique

called “keyword stuffing”. They will stuff keywords into their webpages repeatedly, e.g. “keyword 1, keyword 2, …. keyword

1, keyword 2….” Well, everyone knows it does not make sense to visitors. Therefore, those “clever” webmasters will make

those text invisible. For example, make the text color identical to background color.

Unluckily, this trick no longer works. Search engines are able to detect it, and penalize websites using this nonsense technique. If you do not want your site being penalized, remove those text immediately in case you have adopted this method.

Okay, some webmasters only stuff keywords in Meta Keyword Tags, an area for putting keywords. I am sorry to say that stuffing keywords in Meta keyword tags is also no good. You can only repeat a keyword for 3 times at most. Nowadays, search engines place less emphasis or even no emphasis on Meta keyword tags. So, what is the point of risking yourself by stuffing keywords there?

5. Use of Dynamic Pages

Many websites use content management system (CMS) to generate their webpages. As generation of dynamic pages are easier for

website development, CMS generally use dynamic pages. However, search engines have difficulties to spider and understand them.

To solve the problem, you can consider using Mod Rewrite in case you use Apache server or finding a CMS that can generate

static HTML pages.

6. Be a Pagerank Monster

Many search engine marketers are too focused on their website’s pagerank. Everyday, they are talking and checking pagerank.

They perform link building based on pagerank only. In fact, pagerank is only one factor for Google to determine search

engine ranking. It also cannot affect your rankings in other search engines like Yahoo and MSN. If you are too concerned

about pagerank, you finally will ignore other important optimization criteria.

Therefore, you should repeatedly remind yourself that pagerank is only one of the many factors and you cannot only work on it.

7. Too Believe in Sandbox

Some webmasters propose that a new website will be put into sandbox by Google so that you cannot get any high rankings for

highly competitive keywords. Even though their website cannot get any rankings after 1 year, they still believe that it is

sandbox effect. Some even says Yahoo has Sandbox, MSN has Sandbox, etc…

From Google’s patent information, there is no clue that such sandbox occurs. From my experience, if your site is new and cannot rank high in highly competitive keywords, it is solely because other websites are more established in search engine

world. For example, they have more inbound links, more content, etc. Therefore, webmasters should not focus on finding how to get out from sandbox. Instead, you should put more effort in link building and content optimization. Eventually, you will see your website’s rankings rise.

What Software Should I Use to Create My CD or DVD Artwork?

After recording your album, having it mastered and pressed, you head over to your disc duplication facility’s website to place your order. Reading up on the ordering process you notice that you have the option to have artwork printed on the disc face, and can also have tray card and insert artwork printed. This is a great idea, as it allows you to give your project a more professional look and feel. You can either hire a print designer, who will hopefully already know all of the proceeding information. Or you can have a go at it yourself, utilizing one of the many different graphics creation programs available. If you are choosing to create your own artwork, read on.

There are many different programs out there that can be used to create print artwork. One of the more popular programs is Adobe Illustrator. Adobe Illustrator is a vector based drawing program, available for both PC and Macintosh computers. You could also use, CorelDRAW, Paint Shop Pro, or even Adobe Photoshop. I will go into a little bit more detail about what the differences are between some of these programs later on in this article, and why some of them are better suited for print design. Here is a list of 3 terms you should be familiar with before starting your artwork project.

1. Raster Graphics

Raster graphics are also known as bitmap graphics. This form of graphics image is a data file or structure representing a generally rectangular grid of pixels, or blocks of color, on a computer monitor, or other display device. Think of a raster images as a checkers board, with each square (pixel) on the board displaying a different color. This collection of colored dots (pixels), in turn form the full picture. The quality of a raster image is determined by the total number of pixels (resolution), and the amount of information in each pixel. Raster graphics are practical for photographs and photo-realistic images because of the way that they display images. Pretty much all photos you will find on the internet, and all photos you take with your digital camera will be raster images. You may want to use photographs for your CD or DVD’s artwork, but you must mind a few certain things:

A. DPI –
I will go into this a bit further in the “DPI” section of this article. In a nutshell, any photograph that you would like to use for print must be 300 DPI (dots per inch) or higher. DPI refers to the density of pixel information in a photograph.

B. Color Mode –
There are two basic modes of color: RGB and CMYK. All you need to know really is that all print artwork must be created as a CMYK document, as this refers to the colors of ink that a printer uses to recreate your artwork. If you create your artwork as an RGB document, the printed document will most likely shift in color. For more info on this, please refer to my last article. What do you need to start a CD duplication project?

2. Vector Graphics

Also known as geometric modeling, this form of graphic uses geometrical primitives such as points, curves, and lines to represent images. Instead of displaying blocks of color to represent a photo vector images rely on set points to determine the outline of an object, using mathematical formulas to determine the curve of the lines between said set points. Vector graphics are ideal for simple or composite drawings that do not need to achieve photo-realism. I suggest that you used vector objects for all of your artwork’s areas that are not photos.

3. DPI

Dots per inch, (DPI) is the number of individual dots of ink a printer can produce within a one-inch space. This translates as, the higher the DPI, the sharper the image. Although, most commercial printers will tell you that anything over 300DPI would be considered “print-quality”. I recommend that you make sure that your artwork is at least 300DPI, with 600DPI being the optimal setting for your artwork.

After all this technical mumbo-jumbo, you’re probably scratching your head, still unsure of what program to use to create your artwork. The truth is you can use pretty much any graphics program to create your artwork, providing that you correctly set the DPI and color mode of your document. Personally, I usually use a combination of Adobe Photoshop & Illustrator to do all of my print artwork. I edit all bitmap images in Photoshop and create all of my vector content in Illustrator, combining the two in Illustrator. My advice is now that you have the basic background knowledge, experiment to figure out what works best for you!

Healthy Weight Loss Diet Secret – Stay Away From These Diets

From bookstore shelves to spam emails, the world around us is arranged with different dieting solutions promising that they're the healthy weight loss diet that you've been waiting for. Whether or not you have actually purchased one of these books, it's pretty easy to see that the majority of them are too good to be true.

The majority of them are simply fads that will come and go because they'll allow for some immediate fat loss and then you either stop losing weight, quit altitude, or rebound and start gaining weight once more. Although they may appear in different forms and under different names, fad diets are made up of the same six concepts that are recycled over and over again.

The six fads to watch out for

Among the many fads that promise a healthy weight loss diet, there are six that always seem to weasel their way back into our lives every few years. They are as follows:

1. Eating Fat-Free – this diet promises that as long as you do not eat any fat, you can eat whatever you'd like. The idea is that as long as you're not eating any fat, you will not get fatter. In reality, though, the majority of the fat-free products that are currently for sale are jammed with sugar and other empty calories designed to replace the flavor of fat.

They do not provide much in terms of vitamins, minerals, or fiber, so it will only make you unhealthy and send your metabolism reeling until you finally rebound and gain weight again when you start eating normally once again.

2. 100-Calorie snack packs – virtually every brand of snack on the market today now has its tiny 100-calorie individually packaged version that is supposed to let you snack without the risk of gorging.

Although the concept seems to be a good one, these snacks are typically unhealthy, low in fiber, and not very filling, so that you will not feel satisfied by eating them. This means that you'll likely eat more than one bag, or you'll eat something else, negating the value of the snack pack's measured calories.

3. The calorie vacuum – this one says that if you simply eat an amazingly low number of calories, then all you have to do is sit back and watch the weight fall off. In actuality, this will only slow the metabolism, causing the body to go into "starvation mode", where you'll feel hungry, and you will not lose much weight, and when you do start eating again, your weight will skyrocket.

Even a brisk daily walk of 20 to 30 minutes can make an intense difference on a calorie-reduced diet. Any healthy weight loss diet must include some increased activity level.

4. Detoxing – this diet promises that you'll lose weight instantly by cleaning up your digestive system and removing the tremendous amounts of toxic sludge that has been building up inside you through your lifetime. In reality, the body is actually very good at removing its own toxins, as long as you eat a high fiber diet to ensure that you're regular.

5. Protein, protein, protein – as long as you're eating protein and removing carbs, then you can eat all the fat you want, according to this fad. Instead, it's a much healthier idea to balance the levels of protein, carbs, and fat in your diet.

Whenever possible, try leaner proteins such as chicken or fish, and eat lots of veggies. Whole grain carbs and dairy are great for you and should not be removed, or you risk your proper nutrition.

6. Snack Cake and Donut Diet – The idea here is that as long as you stay within your maximum calorie limit, it really does not matter what you eat. If you want to eat donuts and snack cakes all day, then you can, as long as you do not overdo your limit. Except for the fact that every day that you eat like this, your body will lose critical vitamins, minerals, and fiber, which can be detrimental to your health.

If you're serious about losing weight and skipping the fads, then download your free copy of the "Experts Guide to Understanding Weight Loss" and work with a healthy weight loss diet that skips the fads and uses facts instead.