Monday, September 1, 2014

Windows 7 Versions

Windows 7 Starter
Windows 7 Starter is the edition of Windows 7 that contains the fewest features. It is only available in a 32-bit version and does not include the Windows Aero theme. The desktop wallpaper and visual styles (Windows 7 Basic) are not user-changeable. Microsoft originally intended to restrict users of this edition to running three simultaneous applications but this limitation was dropped.
This edition is available pre-installed on computers, especially netbooks, through system integrators or computer manufacturers using OEM licenses.
 
Windows 7 Home Basic
Windows 7 Home Basic is available in "emerging markets", in 141 different countries. Some Windows Aero options are excluded along with several new features. Home Basic, along with other editions sold in emerging markets, include geographical activation restriction, which requires users to activate Windows within a certain region or country.
 
Windows 7 Home Premium
This edition contains features aimed at the home market segment, such as Windows Media Center, Windows Aero and multi-touch support.
 
Windows 7 Professional
This edition is targeted towards enthusiasts and small-business users. It includes all the features of Windows 7 Home Premium, and adds the ability to participate in a Windows Server domain.Additional features include support for up to 192 GB of Random-access memory (increased from 16GB), operating as a Remote Desktop server, location aware printing, backup to a network location, Encrypting File System, Presentation Mode, Software Restriction Policies (but not the extra management features of AppLocker) and Windows XP Mode.
 
Windows 7 Enterprise
This edition targets the enterprise segment of the market and is sold through volume licensing to companies which have a Software Assurance contract with Microsoft. Additional features include support for Multilingual User Interface (MUI) packages, BitLocker Drive Encryption, and UNIX application support. Not available through retail or OEM channels, this edition is distributed through Microsoft Software Assurance (SA). As a result it includes several SA-only benefits, including a license allowing the operating of diskless nodes (diskless PCs) and activation via VLK.
 
Windows 7 Ultimate
Windows 7 Ultimate contains the same features as Windows 7 Enterprise, but unlike the Enterprise edition, it is available to home users on an individual license basis. Windows 7 Home Premium and Windows 7 Professional users are able to upgrade to Windows 7 Ultimate for a fee using Windows Anytime Upgrade if they wish to do so. Unlike Windows Vista Ultimate, the Windows 7 Ultimate edition does not include the Windows Ultimate Extras feature or any exclusive features as Microsoft had stated.

Wednesday, August 20, 2014

Which Browser is the Best?

Which browser is best?

Good question. It may come down to preference. Each browser has strengths and weaknesses. Chrome has the largest and most useful selection of apps, extensions, and a rapid release update schedule. Other browsers, however, are upping their game. Now, Opera and Firefox offer similar frequent updates and IE 11 out-preforms Chrome on Sunspider’s benchmark standards. The bottom line is this, we’re in an era where the most minimal and modular browser reins supreme. Chrome still the leanest and most app ready browsing experience. IE, Firefox, and Opera have narrowed its lead significantly, each offering new features that can better accommodate some users needs. According to our benchmark tests alone, Mozilla Firefox is the best option for speed and managing highly-interactive webpages. For the first time in a long time we can’t claim a strong victor here. All major browsers offer a solid browsing experience with few downsides.

Monday, August 18, 2014

List of Dofollow Forums That Allow Signature From the First Post

Top 50 High PR Sites to Create Profile Backlinks Free

Backlinks are the main pillar of SEO(Search engine Optimization).Backlinks are links on other sites, linking back to your site. For example, you write an article and publish it to ezinearticles.com. In your author bio, you list your website, you have just created a backlink to your.This is a easy and great method to gain more High quality backlinks from high traffic websites.

Search Engines likes those websites who has high quality backlinks.To get Good organic traffic and high quality traffic backlinks are the most important part of it.The more your Backlinks are of high quality the more good reputation you will earn in Different Search Engines Mostly By Google.
Crawlers will search your blogs and websites and when they found high quality backlinks on your sites they will make your site more visible to visitors.

So I made a list of high quality do-follow sites from where you can make free high quality backlinks for free.
You can simply gain backlinks from these websites by making your profile on it and add your website url with it in your profile bio page.

It is better to get One high quality backlink instead of 100 low quality backlinks to your site.So these listed Below Websites are one of the high quality websites from where you can get high Pr Backlinks these sites are Page rank 8 to Page Rank 4 Websites respectively.


1 http://www.xing.com About Me PR 8
2 http://my.telegraph.co.uk About Me PR 8
3 http://www.blogger.com About Me PR 8  
4 http://www.politico.com/ About Me PR 8
5 http://issuu.com/ About Me PR 8
6 http://www.ehow.com About Me PR 7
7 http://www.zillow.com About Me PR 7
8 http://www.2checkout.com About Me PR 7
9 http://30boxes.com About Me PR 7
10 http://community.elgg.org About Me PR 7
11 http://www.comedycentral.com/ About Me PR 7
12 http://www.jamieoliver.com/ About Me PR 7
13 http://activerain.com About Me PR 6
14 http://answerbag.com About Me PR 6
15 http://www.viddler.com/ About Me PR 6
16 http://fontstruct.fontshop.com/ About Me PR 6
17 http://www.stickam.com/ About Me PR 6
18 http://www.quarterlife.com/ About Me PR 6
19 http://www.dontstayin.com/ About Me PR 6
20 http://virb.com/ About Me PR 6
21 http://www.myfolio.com/ About Me PR 6
22 http://www.threadless.com/ About Me PR 6
23 http://www.gusto.com/ About me PR 6
24 http://schoolofeverything.com/ About Me PR 6
25 http://www.crowdspring.com/ About Me PR 6
26 http://www.yuku.com/ About Me PR 6
27 http://www.startupnation.com About Me PR 6
28 http://democracyforamerica.com/ About Me PR 6
29 http://newstrust.net/ About Me PR 6
30 http://www.divinecaroline.com/ About Me PR 6
31 http://www.thepoint.com/ About Me PR 6
32 http://www.soundclick.com/ About Me PR 6
33 http://www.redbubble.com/ About Me PR 6
34 http://www.dezinedepot.com About Me PR 6
35 http://www.protectthehuman.com/ About Me PR 6
36 http://retroland.com/ About Me PR 5
37 http://www.vidilife.com/ About Me PR 5
38 http://socialight.com/ About Me PR 5
39 http://vi.sualize.us/ About Me PR 5
40 http://nobosh.com/ About Me PR 5
41 http://www.listal.com/ About Me PR 5
42 http://www.linkinn.com/ About Me PR 5
43 http://www.revish.com/ About Me PR 5
44 http://community.guinnessworldrecords.com/ About Me PR 5
45 http://nerdfighters.ning.com/ About Me PR 5
46 http://rezzable.com/ About Me PR 5
47 http://www.shoutlife.com/ About Me PR 4
48 http://www.widgiland.com/ About Me PR 4
49 http://ikarma.com/ About Me PR 4
50 http://www.bloggersunite.org/ About Me PR 4

Make Your Profile On it And Gain Backlinks easily.

How To Get Free High PR Backlinks

Backlinks are still among the backbones of search engine ranking despite the many changes in Google algorithms and ranking parameters. No matter how much Google and other major search engines emphasize the importance of having good quality contents that provide genuine value to the readers, but without backlinks websites can hardly get to the front of page of Google. If ever some of them made it to the top pages, the high ranking position of the site is short-lived.
Backlinks are like the foundation of the building. It supports the building to make it last long and withstand the raging storms and bad weathers. But if the foundation is weak, the building may still stand but only for awhile. When rain comes, it will easily stumble and fall.
Just like websites and backlinks, some sites may be able to make it to the front page of Google at first, although the chances are small, but if its ranking is not supported by good quality backlinks coming from high PR sites, then it will gradually lose its position after a few days.
That is why whenever you attained a certain page rank you must immediately reinforce it with backlinks to maintain its position. This will also make it hard for your competitors to unseat your site from its present position in major search engines particularly Google.

Things You Should Know About Backlinking

When building backlinks to your site, it is important know some of the basics of backlink building. One of them is to know the main differences between ‘do follow’ sites and ‘no follow’ sites.

Main Difference between Do Follow and No Follow Links

As the term implies, ‘do follow’ sites are those that search engines will follow. If you create a backlink from a high PR ‘do follow’ website, the ‘do follow’ link tells Google, Yahoo, Bing, and other search engines to pass on its high page rank influence to the outbound link; that link will be counted by the search engines when calculating the page rank of the site.
In ‘no follow’ link, on the other hand, when search engines crawl on the site and see the ‘no follow’ instruction in the hyperlink, that link will not be counted when assessing the site’s page rank. Therefore, make sure to build backlinks only from ‘do follow’ sites, or your backlinking efforts will only put to waste if you create outbound links to your site from ‘no follow’ sources.

Effective Backlinking Strategies

acklinking Strategy via Forums

One of the many ways of creating good quality backlinks is forum posting. This is quite simple to do. Unlike some methods that require you to create long articles, in this case you are spared from doing the quite tedious and time-consuming task of article writing.
All you have to do is simply ask questions in short paragraph or few sentences with a link to your site in your forum signature. You can either create a new thread with your question, or answer questions of other forum members. The more you participate in different threads, the more links you will create. You can start doing this at high PR forum sites listed here.

List of 25 ‘Do Follow’ Forum Sites with High Page Rank


  1. http://forums.myspace.com (PR9)
  2. http://forum.joomla.org (PR8)
  3. http://forum.meebo.com (PR8)
  4. http://drupal.org/forum (PR8)
  5. http://forums.cpanel.net (PR8)
  6. http://forum.wordreference.com (PR7)
  7. http://forum.filezilla-project.org/ (PR7)
  8. http://www.sitepoint.com/forums/ (PR7)
  9. http://forums.sun.com/index.jspa (PR7)
  10. 10. http://forums.gentoo.org/ (PR6) 
11. http://forums.b2evolution.net/ (PR6)
12. http://www.dpreview.com/forums/ (PR6)
13.http://forum.piriform.com/ (PR6)
14. http://www.zenphoto.org/support/ (PR6)
15.http://forum.videohelp.com/ (PR5)
16. http://www.honda-tech.com/ (PR5)
17.http://forums.virtualbox.org/ (PR5)
18. http://forums.moneysavingexpert.com/ (PR5)
19. http://discussion.forum.nokia.com/forum/ (PR5)
20. http://digital-photography-school.com/forum/ (PR5)
21. http://forums.somethingawful.com/ (PR5)
22. http://www.autohotkey.com/forum/ (PR5)
23. http://forums.whirlpool.net.au/ (PR5)
24. http://www.neobux.com/forum/ (PR5)
25. http://www.warriorforum.com/ (PR5)
Free Backlinking by Blogging
Another method of backlinking is blogging. There are many free blogging platforms with high PR. Open an account with these sites and start blogging about relevant topics with outbound links to your website.
Every blog post, no matter how short, with outbound links is already a good source of backlink. Thus, the more blog posts you publish, the more backlinks you will also create. Some of the recommended blogs with high page rank are as follows:
  • WordPress.com (PR9)
  • Blogger.co m (PR9)
  • Typepad.com (PR8)
  • Weebly.com (PR8)
  • Tumblr.com (PR8)
  • LiveJournal.com (PR8)
  • Jimdo.com (PR7)
  • Webs.com (PR7)
  • Wikidot.com (PR7)
  • Yola.com (PR7)
  • Angelfire.com (PR7)
  • Tripod.com (PR7)
  • Officelive.com (PR7)
  • Blog.com (PR6)
  • Blogsome.com (PR6)

Free Backlinking by Publishing Articles

Another way to create free high PR backlinks is to create good quality articles and submit them to several top directories and web 2.0 properties with high PR. Unlike forum posting, this requires more time from your end since you will have to create long articles per backlink.
However, the good thing about this method is that you will not only create top-notch quality outbound links pointing to your site but get targeted visitors as well. If your contents are good and they provide value to the readers, your visitors may also purchase in your site and improve its conversion rate.
Just like the rest, you must also ensure to submit your articles in high PR article directories that allow you to create ‘do follow’ links. You can start your backlinking via article marketing in some of these article sites below.
  • squidoo.com (PR7)
  • hubpages.com (PR6)
  • ezinearticles.com (PR6)
  • buzzle.com (PR6)
  • suite101.com (PR6)
  • gather.com (PR6)
  • articledashboard.com (PR5)
  • triond.com (PR5)
  • isnare.com (PR5)
  • ezinemark.com (PR4)
  • Ideamarketers.com (PR4)
  • Infobarrel.com(PR4)
  • sooperarticles.com (PR4)
  • amazines.com (PR4)
  • pubarticles.com (PR4)
While it is good to know the top ‘do follow’ article directories with good page rank, it is important to know the ‘no follow’ popular article sites as well so that you can avoid these sites if you are building backlinks. But if you want to get direct traffic, then go ahead and submit your articles in these well-respected sites listed as follows:
  • articlebase.com (PR6)
  • helium.com (PR5)
  • articlesnatch.com (PR5)
  • bukisa.com (PR5)
  • articlealley.com (PR4)
There are many ways of creating free high PR backlinks and you can formulate your own unique strategies to get more links for better search engine ranking of your site. Just make sure to create free high PR backlinks at the ‘do follow’ sites.

Friday, August 1, 2014

How to get Free Dofollow backlinks from PR9 PR8 PR7 Blogs

If you are not much serious about getting high PR Dofollow backlinks for my blog. But actually this is the most important thing you should concentrate on. You will find big difference between blog having good no. post and other with good no. PR backlinks. High PR dofollow backlinks is something Google or other search engine loves. You also get higher ranked in search engines, it boost your traffic too.

1. Pinterest.com

Pinterest is package from where you can get bundles of traffic to your blog. I recommend you to go to Google and sign up for Pinterest to get high traffic. The post you share on Pinterest are Nofollow, but I am going to tell you one little trick to get dofollow link from this site.
  • Go to Settings>> Add website>> Verify.
  • You got another PR9 backlink for your blog.

2. Amazon.com

This morning as soon as I woke up I was trying to get free Dofollow backlink from Amazon.com. It took little time for me as I could not find options to add my website. But later I found it, got my PR8 backlinks from amazon.com. It is very simple to do that, go to amazon.com.
  • Click<< Sign in<<Add account<< add your information<< add website.
  • You got Another High PR8 backlink to your blog. (Note: recently changed to nofollow but its useful for Yahoo,bing etc)
  • amazon add website

3. Reddit

It is one of the direct sharing site, where you can easily share your post and get PR8 backlink to your every post. It will benefit you to push your post up in the search rankings. You just have to share your post, try to share your reddit link to your friends too.
It is like an open source of high PR backlink, you got another high PR backlink to your blog.

4. Ted.com

This is another awesome site to get free dofollow backlink. Firstly sign up for ted.com>> go to edit profile.
Now, when you scroll down you’ll find insert a link along with keyword. Just add your link and keyword and save it.
Done!! Another high PR 8 backlink is pointing your blog.(Note: recently changed to nofollow but its useful for Yahoo,bing etc)

5. nature.com

Sign up for nature.com and put your link in your profile. Now use the forum for getting some useful backlinks to your blog. This is how you can get one more useful free dofollow backlink to your blog. This is how you can get one more High PR7 backlink to your blog.
I shared few more tips to get high PR dofollow backlinks for free.
Please let me know how did it help you?
Or it was useless?
Or you feel I missed out any points?
I am very eagerly waiting for your comments.
Thank you very much for reading the post keep visiting. I will give my 200% to help you out. You can contact me in Facebook, Twitter and Google+.

What is a Link Wheel?

The defition of a link wheel

So what is a link wheel exactly? I think it's pretty common SEO knowledge that links are good for sites. The more links you have, and the higher quality those links are, the higher you are going to rank in the search engines. Of course there are factors that affect your ranking that you control on your site, but let's save that for another article.

Anything that happens off your site is known as offsite SEO, and since links are coming from another site to your site, a link wheel is an offsite technique.

Okay, so how does a link wheel differ from any other link, and what's the "wheel" part of the name? Link wheels are one of the most advanced SEO link building techniques out there right now.
A link wheel is the process of creating 12 or so (or sometimes up to 116) new blogs/microsites on a particular topic. On each of those sites, you write 200 words of unique content, and include 1 link to your targeted site, and 1 link to one of your other blogs/microsites.

Now the trick here, and why link wheels are so effective is the new blogs and microsites we create are on sites like Hubpages.com, Wordpress.com, Blogger.com, which are established, PR6, PR7, PR8 sites, and the subsequent blogs benefit from these attributes.

Also, by including a single link to each of our new sites, we are passing the value from one site to another, building up the value of each of our links. And since each of the links are only one-way, that is, site 1 links to site 5, but site 5 links to site 2, the link juice is passed to all of the sites, and not diminished by reciprocal linking (linking site 1 to 2, and 2 to 1).

So what we have is a network of up to 116 microblogs with 200 words of content related to our niche, with links all pointing back to our targeted site, making our targeted site look like an authority on whatever topic we're trying to rank for.

Saturday, July 26, 2014

How to inrease website traffic?

Here are 5 top SEO traffic source:


1. SEO and the Search Engines
2. Article Marketing
3. PPC - Pay Per Clíck Advertising
4. Social Media Sites
5. Emaíl Marketing and Follow-up Lists

The Choices for Forum Software

What are the best forum software out there?

If you want the best for SEO purpose and it doesn't have to be free, VBulletin is chosen by many.

Or you can choose fromn one of these:

1) phpBB
2) XenForo
3) IP.Board
4) Simple Machines Forum
5) MyBB
6) Vanilla Forum
7) ASPPlayground.NET
8) YaBB
9) Moot
10) Tal.ki
11) Get Satisfaction
12) WebWiz forum
13) DSS
14) Discuz
15) Codoforum

Tuesday, July 8, 2014

Top 10 Factors That Affect Your Credit Score

Top 10 Factors That Affect Your Credit Score

If you’re ever on a game show and they ask you what your most important financial number is, make sure to answer, “my credit score.”

This 3-digit number is responsible for much of what happens in you financial life. It is your credit score that determines how high or low the interest rates you pay are and whether you qualify for credit in the first place. If you’re renting a place to live, your score can determine how much of a security deposit you pay, and the rate car insurance providers will give you.

Of course, it’s hard to work on getting your credit score as high as possible without the facts, so consider these 10 factors that affect your score.

1. Payment History

According to FICO’s “What’s In Your Score,” your payment history determines a whopping 35 percent of your credit score. It makes perfect sense when you think about it. Would you loan someone with a poor payment history your money? Probably not, unless the person is a really persuasive relative or good friend.

Payment history includes a wide variety of account types, including major credit cards, retail accounts, installment loans and mortgage loans.

If you pay your bills on time and never miss payments, you will score high on payment history. On the other hand, if you have late and missing payments or worse, charge-offs, which indicate that debt collectors gave up on you paying your loans, your payment history score is likely to be low.

2. Amount of Debt You Owe

Thirty percent of your credit score is determined by the amount you currently owe, and if you’re carrying large amounts of debt. How much is too much? Lenders have formulas (read: debt to income ratio) to determine how much debt is too much for you.

If you owe a lot of money on several accounts, including being maxed out on some, this signals to lenders that you are at risk for default. Then again, if you owe small amounts on credit cards and have a substantial amount of unused credit (a low credit utilization rate), that will positively affect your credit score.

Some say that having a lot of unused credit could possibly be a risk. After all, what’s to say you won’t go on a shopping spree and load on the debt tomorrow? Again, there are a lot of things that factor into your score, but if you’re wondering, StackExchange has an excellent answer to this question. How bad is it to have a lot of credit available but not used?

3. Length of Credit History

Credit mastery is like any skill. The longer your credit history, the likelier it is you’re “good at” credit. Fifteen percent of your credit score is determined by the length of time you’ve had credit. This means that holding on to your first credit card, no matter how small the limit, is a good idea.

There’s a reason why some people have above-average credit. Here’s our blog post explaining how they’re handling credit differently.

4. Types of Credit

Ten percent of your credit score is based on the type of credit you have in use. FICO looks at the various accounts you have and determines if it is a well-balanced mix. Those with the highest scores don’t just have credit cards, but finance company accounts, mortgage loans and installment accounts, and so on.

In addition, creditors consider the number of accounts you have in use. A lot of accounts in use can have a negative impact on your score, whereas just a handful of credit cards used will likely increase your credit score. Do keep in mind that while you don’t want an overabundance of accounts in use at one time, it’s better to use part of the credit on several cards than to max out one card.

Credit.com has a great article here on how to improve your credit score by using different types of credit.

5. Many New Credit Accounts

A final 10 percent of your score is affected each time you take on more debt. While one new small account is unlikely to make much of a difference in your score, several new accounts in a short period of time will. New accounts generate inquiries, which are recorded on your credit report and are considered negatives.

6. Maxed Out Credit Cards

Not exactly the same as having a lot of debt, having a lot of maxed out credit cards shows that your credit utilization is high. Having a high percentage of your credit limit used up doesn’t show potential lenders that you’re good with credit, just that you’re good at having a lot of debt and not paying it off. The ideal “low” credit utilization is no more than 20% of your available credit across all accounts.

7. Accounts Sent to Collections

If a debt you owe is sent to a third-party debt collector in order to attempt to collect payment from you (and it’s on your credit report) your credit score will plummet. It is much better for your credit score to settle debt before it is sent to collections.

If the debt remains unpaid even after it’s sent to collections and the court gets involved and a judgment is made, this will sink your credit score even more. Paid judgments are less harmful to your credit than unpaid ones.

8. Loan Defaults

Like a credit card charge-off, a loan default shows that you did not meet your financial obligations, which indicates that you are a credit risk. Lenders don’t like taking risks!

9. Home Foreclosure

Falling behind in your mortgage payments and then foreclosing is especially damaging. And good luck getting approved for another mortgage in the future.

10. Bankruptcy

Of all factors that affect your credit score, bankruptcy is the most damaging. Not only is it one of the most negative things that can happen to an individual, bankruptcy sticks to your credit report for 7-10 years. This makes any potential credit move you want to make during that time difficult, if not impossible. Considering the far-reaching, negative consequences of this financial solution, it makes sense to seek alternatives whenever possible, such as debt settlement or personal loans from friends and family.

Top 10 Factors That Affect Your Credit Score

If you’re ever on a game show and they ask you what your most important financial number is, make sure to answer, “my credit score.”

This 3-digit number is responsible for much of what happens in you financial life. It is your credit score that determines how high or low the interest rates you pay are and whether you qualify for credit in the first place. If you’re renting a place to live, your score can determine how much of a security deposit you pay, and the rate car insurance providers will give you.

Of course, it’s hard to work on getting your credit score as high as possible without the facts, so consider these 10 factors that affect your score.

1. Payment History

According to FICO’s “What’s In Your Score,” your payment history determines a whopping 35 percent of your credit score. It makes perfect sense when you think about it. Would you loan someone with a poor payment history your money? Probably not, unless the person is a really persuasive relative or good friend.

Payment history includes a wide variety of account types, including major credit cards, retail accounts, installment loans and mortgage loans.

If you pay your bills on time and never miss payments, you will score high on payment history. On the other hand, if you have late and missing payments or worse, charge-offs, which indicate that debt collectors gave up on you paying your loans, your payment history score is likely to be low.

2. Amount of Debt You Owe

Thirty percent of your credit score is determined by the amount you currently owe, and if you’re carrying large amounts of debt. How much is too much? Lenders have formulas (read: debt to income ratio) to determine how much debt is too much for you.

If you owe a lot of money on several accounts, including being maxed out on some, this signals to lenders that you are at risk for default. Then again, if you owe small amounts on credit cards and have a substantial amount of unused credit (a low credit utilization rate), that will positively affect your credit score.

Some say that having a lot of unused credit could possibly be a risk. After all, what’s to say you won’t go on a shopping spree and load on the debt tomorrow? Again, there are a lot of things that factor into your score, but if you’re wondering, StackExchange has an excellent answer to this question. How bad is it to have a lot of credit available but not used?

3. Length of Credit History

Credit mastery is like any skill. The longer your credit history, the likelier it is you’re “good at” credit. Fifteen percent of your credit score is determined by the length of time you’ve had credit. This means that holding on to your first credit card, no matter how small the limit, is a good idea.

There’s a reason why some people have above-average credit. Here’s our blog post explaining how they’re handling credit differently.

4. Types of Credit

Ten percent of your credit score is based on the type of credit you have in use. FICO looks at the various accounts you have and determines if it is a well-balanced mix. Those with the highest scores don’t just have credit cards, but finance company accounts, mortgage loans and installment accounts, and so on.

In addition, creditors consider the number of accounts you have in use. A lot of accounts in use can have a negative impact on your score, whereas just a handful of credit cards used will likely increase your credit score. Do keep in mind that while you don’t want an overabundance of accounts in use at one time, it’s better to use part of the credit on several cards than to max out one card.

Credit.com has a great article here on how to improve your credit score by using different types of credit.

5. Many New Credit Accounts

A final 10 percent of your score is affected each time you take on more debt. While one new small account is unlikely to make much of a difference in your score, several new accounts in a short period of time will. New accounts generate inquiries, which are recorded on your credit report and are considered negatives.

6. Maxed Out Credit Cards

Not exactly the same as having a lot of debt, having a lot of maxed out credit cards shows that your credit utilization is high. Having a high percentage of your credit limit used up doesn’t show potential lenders that you’re good with credit, just that you’re good at having a lot of debt and not paying it off. The ideal “low” credit utilization is no more than 20% of your available credit across all accounts.

7. Accounts Sent to Collections

If a debt you owe is sent to a third-party debt collector in order to attempt to collect payment from you (and it’s on your credit report) your credit score will plummet. It is much better for your credit score to settle debt before it is sent to collections.

If the debt remains unpaid even after it’s sent to collections and the court gets involved and a judgment is made, this will sink your credit score even more. Paid judgments are less harmful to your credit than unpaid ones.

8. Loan Defaults

Like a credit card charge-off, a loan default shows that you did not meet your financial obligations, which indicates that you are a credit risk. Lenders don’t like taking risks!

9. Home Foreclosure

Falling behind in your mortgage payments and then foreclosing is especially damaging. And good luck getting approved for another mortgage in the future.

10. Bankruptcy

Of all factors that affect your credit score, bankruptcy is the most damaging. Not only is it one of the most negative things that can happen to an individual, bankruptcy sticks to your credit report for 7-10 years. This makes any potential credit move you want to make during that time difficult, if not impossible. Considering the far-reaching, negative consequences of this financial solution, it makes sense to seek alternatives whenever possible, such as debt settlement or personal loans from friends and family.

Thursday, July 3, 2014

Top Cell Phone Providers in USA


It’s hard to believe that cell phones have now been around for more than 40 years.  Three decades later, cell phones are an integral part of people’s lives.  In fact, 91 percent of Americans own a cell phone.  With so many people using these devices, cellular companies are raking in the dough.  Many Americans become loyal customers of specific carriers due to habit, because they like a particular phone offered, or because of excellent customer service.

Yet, people often grumble about the reliability, cost, or plan availability of their particular provider. The task of finding a new carrier can be daunting.  According to the research, Verizon Wireless is the best overall carrier, followed by AT&T , and then T-Mobile.  The article below includes a summary of the top five ranked carriers.

1. Verizon Wireless

Verizon takes the number one spot with an overall ranking of 8.58/10. The company covers 98 percent of Americans. The carrier also has 100 percent coverage in urban areas, 95 percent in rural areas, offers 4G LTE in 506 markets, and offers superb customer service. Verizon’s contracts and the number of days allowed to return a phone are similar to other carriers. Although AT&T has slightly higher 4G download speeds, Verizon earned overall better rankings. The main issue with Verizon is the cost of the plans, which can get very expensive. However, when one weighs the many benefits of Verizon, the cost seems somewhat less important.

2. AT&T

AT&T ranks just below Verizon with an overall ranking of 8.5/10. As mentioned before, AT&T has the fastest 4G LTE speeds, and it also offers many different phones. However, while 4G LTE speeds are excellent, the coverage only includes 424 markets. In addition, while AT&T offers many plans, those plans can be expensive. Further, the company’s network is not as strong as Verizon’s, and rural coverage can be especially lacking, with only 75 percent of rural areas covered. AT&T earned an 85 for customer service, which amounts to a steady B compared to Verizon’s A+.

3. T-Mobile

Coming in at number three is T-Mobile — which you might recognize from the awesomely hilarious Bill Hader commercials that have launched over the past few months. T-Mobile received an 8.38/10 overall ranking because of the carrier’s unlimited data plans and affordable prices. However, the coverage is not as strong as Verizon or AT&T offers, with only 75 percent of urban areas and 50 percent of rural areas covered. T-Mobile only has 143 4G LTE markets, but the download speeds are just a hair behind Verizon. Another negative for the carrier is the ranking it received on customer service, which came in at only 45 percent. Still, T-Mobile is an affordable carrier if it is available in your location.

4. Sprint

With an overall rating of 7.75/10, a low customer service score (50 percent), and spotty coverage (65 percent in urban areas and 55 percent in rural areas), Sprint certainly isn’t on the same playing field as Verizon and AT&T. Still, it offers unlimited data as well as international calling. Sprint also features many different phones with various capabilities. Sprint family plans are also popular, and although the network is not always solid, Sprint is offered nationwide. This is particularly effective for people who travel frequently or families with college-age children.

For the past few months, the company offered a program called Sprint One Up, but that ended January 9. The program used to allow customers who purchased an eligible smartphone while agreeing to pay 24 monthly installments for the device to trade the smartphone in after 12 consecutive months of payment. Customers would then be given a new smartphone and a new contract. Although the plan has ended, if Sprint brings this plan back, this deal could greatly increase its customer base.

5. MetroPCS

MetroPCS’s excellent customer service helped earn it a 7.53/10 ranking. The company received a 90 percent for customer service, second only to Verizon. MetroPCS also happens to be a prepaid cell phone carrier, which equals no contracts. After the initial price of the phone, the monthly plans are affordable, starting at $40 per month. MetroPCS also offers unlimited text, data, and talk on a 4G network, as well as discounts when families have multiple phones on one account. The company does have limited coverage, including 75 percent of urban areas and 50 percent of rural areas. The carrier is now owned by T-Mobile and runs on its network.