The Hunt for the Best Credit Card Starts Here

When you are into something, you always expect for the best results possible. Whether you are cooking a meal for an ordinary dinner for your family, applying for a job vacancy, getting into a week-long cruise vacation, or simply choosing your dress for a special occasion, you want the best possible outcome. Best results translate to memorable and very transpiring moments in your life.

Getting the best means of satisfaction.

Thus, there is a need for you to get the best credit card in the town. You are not getting credit cards just to insert it to the card slots of your wallet and show it to your friends or to everybody else. You are applying for a credit card because you need it in financing expenditures that your available cash cannot handle anymore. Getting the best credit card will not just help you save substantial amounts of money but will provide you satisfaction in using such cards in making important purchases and paying necessary financial obligations as well.

So where do you start your hunt for the best credit card? You need to determine first the credit card that will best suit your needs and on your particular situation. You will be able to get the best out of using your credit cards if you know when and where you need it most. For instance, if you are fond of traveling for business purposes, travel discount credit cards may be the best option for you. In case you possess bad credit rating and at the same time you badly needed a credit card to clear your bad credit score, there are also credit cards that are best for you under these circumstances.

If you are an individual who wants to use credit cards in paying for the merchandises or services you have acquired, then the best credit card option for you are the ones that offer rewards in the form of cash rewards or financial incentives. By knowing your needs and the situation you are in, you will be able to determine the best credit card for you.

Aside from your needs and present situation, the features of the credit card must also be considered so that you will be able to get the best option for you. Here are some of the features that you must be aware of when exploring your best credit card options:

1.lowest applicable APR (annual percentage rate)

2.lowest annual membership fee

3.zero APR during the introductory period of 6 months to 1 year for new cardholders

4.no hidden fees and must be on its standard rates

Before you will be able to come across credit cards bearing the aforementioned features, remember that you must possess good credit history and present credit rating. You will be able to qualify for zero or lower APR and membership-related charges if you have good credit standings. If your credit is poor, you will be able to qualify for higher APR, which can be a financial burden for your part.

Lastly, the best factor you need to consider is whether you commonly use your credit card for cash advance purposes. The rate for cash advance credit cards varies considerably, and you may consider companies that do not require fees for cash advance requests. Just like the previous features, this also depends on your credit rating.

Getting the best credit card takes time, yet the outcome will be as satisfying as you enjoy using your credit card. Why spend for something if you are not getting the best out of it?

Aaron Ballantyne is the owner of a credit card website with links where you can apply for a credit card which best suits your needs.

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Music Reviews Bard Of Ely

Good writing has a transcendent quality and possesses the power to transport through time and mindset. Even if it is done purely for the sake of entertainment, good writing enables us to see and experience life from vantage points much different than our own. Steve Andrews (aka The Bard of Ely) offers a complex and varied array of songs that are in short good writing.

The Bard of Ely carries listeners through various paradigms that range from the earthy and humorous musings of You're A Liar, Nicky Wire and the bravado spoof Superhero to other- worldly expositions like For Peter & for Paul and Priest of the Venusians.

Perhaps the true heart, soul and conscience of The Bard Of Ely find clearest expression in commentary songs like The Hundredth Monkey v The Beast and Insect Inside or the philosophical proclamation Sound of One.

As you read Steve's responses to the CreatorsWeb Interview questions below you will see that he sites the influences of songwriters like Bob Dylan, Cat Stevens and Neil Young. You will recognize their musical and spiritual presence in The Bard of Ely tracks as you listen.

Check it out for free at: http://www.soundclick.com/bands/2/bardofelymusic.htm

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Music Style And Audience

How do you classify your music?

I don't! If asked I say I write songs. I am always fascinated finding out what other people make of my songs but for me I feel that a song is basically a set of words, the lyrics, and a tune. I write my words first and then find a tune on the guitar and that is the basic song but how it turns out later is another matter. All songs are open to being arranged differently and can be given different production. They all start out as words and music and in my own creative process I write the lyrics first, so in the beginning was the word!

Do you target a specific audience? If so, who?

Not really, I just sing my songs and if people like them then I consider that to that degree I have been successful as an artist. I do find I get a better reaction from rock fans rather than 'folkies' though.

What performance venues are you currently exploring?

Mainly festivals. I have been the compere for the Avalon Stage at Glastonbury Festival for the last 2 years, as well as playing there, and followed this with doing the same at It's Jo and Danny's Green Man Festival in Brecon.

Musical Instruments - Recording - Computer Hardware - Software

What musical instruments do you play?

Guitar and harmonica, keyboards, penny whistle and Jew's harp enough to have used them on recordings. Kazoo too but that is so simple it doesn't really count as 'playing.' I regard my vocals as an instrument as well.

Do you record in a home studio?

I haven't got one, only Cool Edit and a microphone but I have used the home-studios of friends.

What equipment and software do you use?

Various. It all depends on what is available. I have various guitars but I mainly use a semi-acoustic Fleetwood jumbo for practice and gigging. The only computer music software I have used myself is Cool Edit. I must confess that I don't know much about creating digital music and am much happier with a guitar and mic. This doesn't stop me collaborating with other musicians online who are skilled with this new technology, and in fact I have a song called 'Electric Bard,' which is a 3-way collaboration between myself and EXLectiX from America and Catherine Duc from Australia. I wrote the words and did the vocals and my collaborators created the music and produced it. Also, the highly talented musician, Ed Drury, has added his music and arrangements to a series of my poems. This sort of thing, to my mind, is one of the wonderful things about the world of music available online.

Musical Background -Influences

How did you get started playing music?

I would have been aged about 12 and I was listening to pop and some rock bands and also soul and Tamla and this would have been when I was first thinking about it. This was the time of the 'Mersey sound.' Then the psychedelic '60s arrived and the folk protest movement and as a teenager I was inspired by Dylan, Leonard Cohen, Cat Stevens, Neil Young and many other singer/songwriters, as well as the whole idea of an alternative society. I would say that I fancied myself as following in these singer/songwriters' footsteps if I could. By the age of 16 I was going to festivals and gigs and I made my own start at playing guitar and writing songs and poetry. Initially it was an effort to impress girls because I was painfully shy. I had decided that I wasn't that impressed by the Beatles, although John Lennon is one of my 'heroes,' and The Stones were far more my sort of rock band. Neil Young was my favorite guitarist then and still is. Other acts that I really liked and still do are Hendrix, David Bowie, Roy Harper, Kate Bush, Van Morrison, Dory Previn, Jefferson Airplane, Nico, Lou Reed, Donovan, Jethro Tull, Bob Marley, Neil Diamond, the Incredible String Band, Syd Barrett, Joni Mitchell, Bridget St John, Tyrannosaurus and T. Rex, Roxy Music and many many more. Then in the mid '70s Punk and New Wave happened and a lot of the energy of the movement I found inspiring. I saw a lot of the bands then like The Clash, Boomtown Rats, the Stranglers, Patti Smith and others.

What has influenced your music the most?

All those acts I have mentioned above, along with many more modern ones and genres of music like the Blues, Soul, R&B, Folk, Rock 'n' Roll, Jazz, Experimental and anything else that I've spent time listening too. My inspiration for songs though is very varied and just reflects my life I think.

Music And Internet Marketing

How has the Internet effected you as a musician?

In a big way: I used to be heavily involved in music networking via the snail mail with all the fanzines and small press and the casssette culture which gave way to CDs, but I seem to have phased most of that out because the Internet is a lot easier, cheaper and faster to use.

Also, I have made very many good friends, whom I have met via OMDs and at bbs, and discovered so much excellent music. As well as these things it has given me a means of collaborating with people all over the world.

When did you start marketing your music on the Internet?

In about 1997 when I first began to understand IT and to have access to computers.

What has been the most effective way to market your music on the Internet?

Via OMDs and Bulletin Boards. My favorite OMD was mp3.com and I haven't seen any other site which has offered so much. The stations it gave acts the option of creating was a great way to promote your music and that of other acts you enjoyed, as well as finding new music.

Musicians And The Future

What does the future hold for you?

More collaborations, more festivals...but as to where my music will take me I really don't know! I have just written my first song in Spanish and am learning the language, so who knows where my path will lead?

Finally, is there anything else you want to say about yourself?

I prefer to hear what others think of me and my work so I'll let my good friends Laura J Boll and Chris Kalessin have their say:

Words can barely describe the amazing, multi-talented, multi-faceted and multi-media phenomenon that is the Bard of Ely!!! Part eco-warrior, poet, Arthurian Druid, master of herblore, techno-folk fusion pioneer, MC, songwriter, singer, actor, writer and performer, the Bard has assumed cult status and is featured in many counter-culture books and articles ... a genuinely iconic figure!

His solo work, many collaborations (most recently with Funender stalwart Ed Drury) and remixes represent a wonderfully eclectic body of writing and performance, work that that does justice to the traditions of acoustic music, yet with modernity, political relevance, and some great melodies! :)

And something else that distinguishes this talented artist is his enthusiastic and positive support for music and musicians, and his friendly, universally-respected presence across the online music community. We are proud to know him and highly recommend his music to all - Steve, the Bard of Ely!!!

Check him out TODAY!!! http://www.bardofely.com

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Ken is a pastor, writer, musician living in Greeley Colorado. His articles have been published in a number of magazines, ezines and websites including his own www.creatorsweb.com

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Home Staging Can Help You Sell Your House Quickly

Real estate prices have hit record levels in the United States during the last five years. In some parts of the country, prices have tripled. For those selling houses in the first half of the decade, business was very good, indeed. Rising interest rates and sticker shock have slowed the market down, however. In some parts of the country that used to be hot, sales have slowed to a crawl. In those markets, people who want to sell houses are now waiting months when homes used to sell in days or weeks. What can a homeowner who wishes to sell as quickly as possible do to accelerate the process?

A relatively new service called home staging may be the answer. Staging a home essentially means setting it up so that it makes its best possible presentation to the market. Professional home stagers will, for a fee, come to your house, examine your property, and make recommendations as to what you might do in order to make the house as sale-friendly as possible. In some cases, they will simply recommend a coat of paint, a bit of landscaping, or some new drapes. In other cases, more dramatic help may be needed.

It is often difficult to sell a home that has been vacant for a while. Buyers have a hard time imagining what their belongings might look like in an empty house. A good staging company will have in their inventory a selection of different types of furniture, lamps, decorative accessories and more so that a vacant home can look like a showcase. A fully and tastefully decorated home is much easier to sell than a vacant one.

The service isn?t necessarily inexpensive. Homeowners might expect to pay several hundred dollars for an initial consultation as well as a fee of several times that amount for the first month of a fully furnished, professionally decorated home. Rates for subsequent months tend to be lower than for the initial month, but many homes that have been professionally staged aren?t on the market much longer than a month. In fact, studies have shown that staged homes often sell in half of the time of other comparable properties.

Having your home professionally decorated in order to sell it isn?t something that everyone needs to do. But in markets with slowing real estate sales, staging a home may be the difference between selling the house this week and selling it three months from now. For many sellers, the investment is more than worthwhile.

?Copyright 2006 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including http://www.HomeEquityHelp.net, a site devoted to information regarding home equity loans, mortgages and lines of credit.

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