Article Submission Equals Web Site Traffic

Unless you have been living on another planet, you probably know how well article submissions work to bring unstoppable traffic to a website.

But in case you haven't jumped on the article submission bandwagon yet, you are missing out on an amazing free traffic source. If you are building new web sites, this is the quickest way to get instant visitors within a matter of one day.

So while your waiting for months to get in the search engines, why not take advantage of this free traffic resource. Once your article submission gets approved by article an article directory, other webmasters will be searching those article directories for fresh content.

Once they put your article on their web site with your resource box at the end of the article, you get a one way link to your site and get to borrow some of their traffic.

Once you start this article snowball rolling downhill, it never stops. Your article could make its way around the Internet for years picking up more one way links to your site as it continually gets passed around.

These one way links will help your web site gain page rank quicker and boost your sites rankings in the search engines. That produces even more traffic to your site.

The real trick is writing a good enough article where visitors think it's interesting enough to click into your site to read more. Not every article you write will be a hit but you only need a few home runs to produce a ton of traffic to your web site.

Make sure that your article submissions to article directories are done according to their rules. Most directories are human edited, and if you don't follow their guidelines, your article may not be approved and you've wasted your time.

Article directories are virtual traffic machines and just because they start out small doesn't mean they won't get big in the future. Remember, they are search engine food because they produce exactly what search engines love - content.

The more article submissions you make, the more one way links and more traffic you get. If you are not submitting articles to article directories, start now, because article submissions are like finding the golden egg.

Copyright ©  2006  EZArticles.info  All Rights Reserved.

Submit articles to EZ Articles directory for web site exposure or find fresh content for your website or ezine and RSS feeds in any catagory or multiple catagories.

What Factors Determine Mortgage Loan Approval

Do you know what lenders look for when they determine mortgage loan approval? A mortgage loan is usually a commitment of 15 to 30 years, so lenders want to be sure that you have the ability to pay them back.

A lender will look at many factors before approving your loan because anything can happen in this length of time. These are the most common factors that can affect the approval of your mortgage loan from home lenders.

Credit Report
A lender will look at your credit report first from the three major credit bureaus: Equifax, TransUnion and Experian. It is important for you to review your credit report for any errors before you apply for a mortgage loan.

Over 40 percent of credit reports have errors and many of these errors are simply mistakes that should not even be on your report. Correct any errors in your credit report before you apply for any loan. These errors can play a big part in your mortgage loan gets approval or denial even if they are errors.

Outstanding Credit
How much outstanding credit you have on your credit report is another big factor in the approval of your mortgage application. It's smart to pay off as much credit debt as you can before applying for your mortgage loan so you will increase your chances to get approved.

Credit Cards
Do not apply for new credit cards or any kind of new credit, when applying for a mortgage loan. When you apply for new credit cards or close current or old accounts lenders do not like this.

If anyone advises you to close an old account, it is bad advice. Cancelling old accounts can lower your credit score because you don't have as much availble credit to you.

Debt To Income Ratio
Debt to income ratio is another big factor for determining mortgage loan approval. A lender will not approve a mortgage loan application if it shows you have too much debt. Most lenders will approve around a 45% total debt ratio with some going higher if your credit score is excellent.

Income
You need a steady income to get mortgage loan approval, so do not change jobs or quit your job before applying for a mortgage. Lenders usually like to see two years employment at the same type of job at a minimum.

Available funds
Do not make any purchases that could take your available funds before buying a home. You need the down payment, as well as money for closing costs. Lenders usually ask for bank statements for proof of available funds before approving your mortgage loan.

Down Payment
A bigger down payment offers you the best interest rates and sometimes even determines if your mortgage loan will get approved. This is what is referred to as loan to value and plays a big role in loan approval.

Interest Rate
Your monthly mortgage payment depends a lot on what interest rate you end up with. You may want to consider paying "lock-in" fees to guarantee that you still get a low interest rate if interest rates are rising. This is a common reason why people are denied approval for the mortgage loan they qualified for just a few months earlier.

Copyright ©  2006  BadCreditMortgageTip.com  All Rights Reserved.

This article is supplied by BadCreditMortgageTips.com where you can get mortgage information, refinancing tips and browse our recommended bad credit lenders.

Healthiest Foods To Eat

Do you know what the healthiest foods to eat are? Actually you'll find a few of your favorite foods will be on the list.

The list of foods below are loaded with vitamins and antioxidants that have many benefits to your body. Here is a list of the healthiest foods to eat.

Olive Oil
Olive Oil is rich with antioxidants while protecting you against heart disease by controlling LDL, which is bad cholesterol levels and raises your HDL, or good cholesterol. Olive oil has so many health benefits that the U.S. Food and Drug Administration allows olive oil producers to put a heart-healthy claim on their labels.

Fruits

Apricots
Apricots have a lot of beta-carotene which helps to protect your eyes and may even help to ward off some kinds of cancers. One dried or soft apricot contains 17 calories, 0 fat, and 1 gram of fiber.

Avocados
Avocados contain an unsaturated fat called Oleic acid, which helps to lower your overall cholesterol and raise levels of HDL or good cholesterol. One slice of an avocado has 81 calories, 8 grams of fat and 3 grams of fiber.

Mango
One medium sized mango has powerful antioxidants that help to prevent arthritis and they also boost your immune system. A medium mango has a whopping 57 MG of vitamin C, which is almost your entire daily recommended dose.

Raspberries
Raspberries are high in fiber and have a lot of vitamin C. Raspberries contain a lot of Ellagic acid, which is known to help stall cancer cell growth. One cup of raspberries is only 60 calories, 1 gram of fat and 8 grams of fiber.

Cantaloupe
Cantaloupes have tons of vitamin C and are loaded with beta-carotene antioxidants that help protect your body's cells. Half a melon contains 853 MG of potassium, which is nearly twice as much as a banana, and helps to lower blood pressure. Half a cantaloupe contains 97 calories, 1 gram of fat, and 2 grams of fiber.

Tomato
Tomatoes contain Lycopene, which is one of the strongest antioxidants known. Researchers have found that tomatoes can help cut the risk of bladder, stomach, and colon cancers in half if you eat one daily. One tomato contains 26 calories, 0 fat, and 1 gram of fiber.

Vegetables

Onions
Onion have a powerful antioxidant called Quercetin, which can help to protect against many types of cancer. A cup of onions has 61 calories, 0 fat, and 3 grams of fiber.

Broccoli
Broccoli has Indole-3-carbinol and sulforaphane, which help protect against breast cancer. It also contains a lot of beta-carotene as well as a lot of vitamin C. A cup of chopped broccoli contains 25 calories, 0 fat, and 3 grams of fiber.

Spinach
Spinach contains carotenoids that can help fend off macular degeneration, which is a major cause of blindness in older people. One cup contains 7 calories, 0 fat, and 1 gram of fiber.

Grains, Beans, and Nuts

Peanuts
Peanuts as well as many other nuts contain mostly unsaturated or good fat and can lower your risk of heart disease by as much as 20 percent. One ounce of peanuts contain 166 calories, 14 grams of fat, and over 2 grams of fiber.

Pinto Beans
One half cup of pinto beans has more than 25 percent of your daily folate requirement, which protects you against heart disease. Half a cup of pinto beans contain 103 calories, 1 gram of fat, and 6 grams of fiber.

Skim Milk
Skim milk offers vitamin B2, which is important for good vision and along with Vitamin A that could improve immunity to allergies. You also get calcium and vitamin D as well. One cup contains 86 calories, 0 fat, and 0 fiber.

Yogurt
The bacteria in active-culture yogurt helps prevent yeast infections while the calcium strengthens your bones. It's recommended that you get plain yogurt and mix in your own fruit to keep the calories and sugar low. One cup of plain yogurt has 155 calories, 4 grams of fat, 0 grams of fiber.

Seafood

Cold Water Fish
Cold water fish such as salmon, mackerel and tuna are excellent sources of omega 3 fatty acids. You have probably heard that omega 3 fatty acids help to reduce the risk of cardiac disease. A 3 ounce portion of salmon contains 127 calories, 4 grams of fat, and 0 fiber.

Crab
Crab is a great source of vitamin B12 and zinc which boosts your overall immunity. 3 ounces of crab has 84 calories, 1 gram of fat, and 0 fiber.

This list of foods have health benefits galore and it's not hard to see why they are the healthiest foods to eat.

Copyright ©  2006  Fat-Burning-Secret.com  All Rights Reserved.

This article is supplied by "Fat Burning Secrets". Discover simple yet powerful changes that can have a major effect on your weight loss results with this free report at: Free Fat Burning Report

Overcoming Low Self Esteem

Overcoming low self esteem can change your entire life. Low self esteem can destroy your happiness and can hold you back in many areas of your life.

Like any changes in your life, overcoming low self esteem can be difficult at first. But believing it is actually possible is the first critical step. You need a lot of self determination because if you don't believe it is possible; you will never solve this problem that is robbing you of happiness.

Many people need help in overcoming low self esteem and you can get it in a couple of different ways. A best friend who you can depend on may offer you support. But keep in mind, this codependence is only temporary help for you so don't expect this kind of permanent help.

A major cause of low self esteem is too much codependence and you want to become a stronger person so dig down deep for self determination. Work on less codependence so you can improve your self esteem to take charge of your own life.

You may want to seek help for overcoming low self esteem from a professional. Many psychologists specialize in helping people overcome their low self esteem. Some people prefer this kind of help because getting advice from a professional is usually a good choice.

Low self esteem can come from being criticized, being abandoned or even being abused. Be honest with your self and your therapist who is helping you improve your low self esteem. It is the best way you can cure your hopelessness and codependence problem you have.

Overcoming low self esteem is life-changing so of course it will not be easy. But the rewards are living a happier life you deserve.


Copyright © 2006 YogaBenefits.info All Rights Reserved.


Article by Yoga Benefits where you can learn why yoga benefits you both physically and spiritually.

Back Yard Landscaping Tips

Looking for back yard landscaping ideas? As you look through garden catalogs filled with beautiful trees, shrubs, flowers and pictures of beautifully landscaped yards, complete with ponds and garden sculptures, the choices seem endless. Before ordering hundreds of plants or giving up because you cannot decide what you really want, here are a few things to consider.

A routine issue in landscaping is creating a peaceful, private environment. While fencing can provide immediate privacy, you may want to think about a buffer strip of shrubbery between your yard and the one next door. Most shrubs will grow quickly, within a couple of years, and act as a screen while providing habitat for a variety of birds.

Planting native shrubs is best because they are usually well adapted to local conditions and may provide the best habitat for local wildlife. Other considerations: whether the plants have special characteristics such as flowers or fruits, how large they will eventually become, and how much maintenance they require to remain healthy and in scale with your yard. You can get advice from a local nursery or garden center for recommended species.

If you ever thought it would be fun to have a pond, then go for it. With the variety of materials now on the market, anyone can have a garden pond, regardless of the size of their yard. If you have a lot of space, you can build one in ground. You can purchase a pre-formed mold or dig a hole and line it with a plastic pond liner.

An easy type of pond consists of a plastic lined barrel or tub. Just add water, plants, a pump, and even fish and you have a pond for your yard or patio. Be sure to keep in mind sources of electricity if you intend to add a pump. Also, make sure you use caution and take security measures if small children have access to your yard and the pond. Another factor to assume is maintenance. A pond can require a lot of effort to keep it clear of algae, leaves, and debris.

If you do not want to spend your weekends maintaining a yard, turn part of it into a wildflower garden. Depending on where you live, this could be a prairie, desert landscape, or alpine garden. Check first with local zoning ordinances. Some communities have not yet recognized the value of "native landscaping" and may consider this an inconvenience area. If you want a more maintained yard, think about ground covers instead of grass and use mulch to control weeds in foundation plantings and flower beds.

When selecting plants, make sure they are adapted to your area. Keep in mind both the minimum and maximum temperatures, amount of moisture, amount of sunlight, and soil characteristics. Ask yourself: Do you want an annual that will need replanting every year or a perennial that comes up year after year? Do you want cut flowers for inside your home or to give to friends?

Consider native plants. They are usually better adapted to local conditions and need little maintenance. Be cautious about introducing exotic species such as purple loosestrife that will become invasive and is prohibited in many states.

The most important tip of all is choosing what you like. The variety of plants in your new yard will offer homes to wildlife and provide you with years of pleasure. You can enjoy the yard of your dreams with a little planning and a few back yard landscaping ideas.

Copyright © 2006 AmazingEbooksOnline.com All Rights Reserved.


This article is from Homeowners Guide To Landscaping that will guide you every step of the way, from creating a base plan to choosing plants, trees and landscaping for energy savings.

Myths About Healthy Eating Habits

Healthy eating habits can affect how well your body performs every day. There are a few myths that can prevent you from feeling good and even how much weight you lose if you believe them.

Below, you'll find some common myths about healthy eating habits.

1. Working out on an empty stomach.
If you hear a rumbling noise in your stomach, it is trying to tell you something. If you don't eat before you work out, you are forcing your body to operate without any fuel. Before you exercise or do any physical activity, always eat a light snack like an apple or any piece of fruit.

2. Relying on energy bars and drinks.
Although they are fine every once in a while, energy bars and energy drinks don't deliver the antioxidants you need to prevent diseases like cancer. For healthy eating habits, load up on fruits and vegetables because they are loaded in vitamins, minerals, fluid and fiber.

3. Skipping breakfast.
Skipping breakfast is never a sensible idea, because breakfast starts energizing your body for the day. If you want to eat healthy, never skip breakfast. Your body needs fuel as soon as possible, and without it, you'll be hungrier throughout the whole day.

4. Low carb diets.
Your body needs carbohydrates for your muscles and for storing energy. Low carb diets are controversial and are just not considered healthy eating habits.

5. Eating what you want anytime you want it.
Eating healthy and exercising doesn't give you a pass to eat anything you want. Everyone needs the same nutrients whether they exercise or not. A good healthy eating habit is not eating anything three hours before you go to bed. If you really need to eat after dinner, eat a piece of fruit.

6. Not consuming enough calories.
Although losing weight involves calories, losing it too quickly is not a great idea. For healthy weight loss, aim for 1 - 2 pounds a week and not any more. Always make sure that you are getting enough calories to keep your body operating smoothly. If you start dropping weight too fast, eat a little more food but make sure it’s healthy food.

7. Drinking soda and alcohol.
Water, low fat milk, and juice are the best liquids to drink for anyone. You should drink a lot of water, and not rely on thirst to be an indicator. By the time you get thirsty, your body is already running too low on fluids.

Soda and alcohol dehydrate your body and work against giving your organs the vital fluids they need. You still need to splurge once in awhile, but keep sodas and alcohol to a minimum.

Changing how you eat is always a great step towards healthy eating and it will affect how your body performs throughout your life. The healthier you eat, you better you'll feel and it really is as simple as that.

Healthy eating habits will make you feel better no matter how old you are. Just by changing the way you eat, you'll benefit from healthy eating habits every single day.

Copyright ©  2006  Fat-Burning-Secret.com  All Rights Reserved.


Easy, Healthy Weight Loss and more Healthy Weight Loss Articles

How To Avoid Phishing Scams

Have you have received a phishing email directing you to visit a familiar website where you are asked to update your personal information? They are becoming very dangerous because so many people are falling for the phishing scam.

Phishing (pronounced "fishing") is defined as the act of sending an email to a recipient deceptively claiming to be an established, legitimate business. The intent of the phishing hacker is to scam the email recipient into surrendering their private information, to ultimately steal their identity.

The website tells you they need you to verify or update your passwords, credit card numbers, social security number, or even your bank account number. You recognize the business name as one that you've conducted business with in the past. So, you click on the convenient "take me there" link and proceed to provide all the information they have requested. Unfortunately, you find out much later that the website is fictitious. It was created with the sole intent to steal your personal information. Unfortunately, you have just been scammed by a phishing email.

It is very hard to spot an email phishing for information. At first glance, the email looks like it is from a legitimate company. The "From" field of the e-mail may have the .com address of the company mentioned in the e-mail. The clickable link even appears to take you to the company's website, when in fact, it is a make-believe website built to look identical to the legitimate site.

Many of these people who are phishing are professional criminals. They have spent a lot of time creating emails that look authentic. You need to review all emails requesting personal information carefully. When reviewing your email remember that the "From Field" can be easily changed by the sender. While it may look like it is coming from a .com you do business with, looks can be misleading.

Also keep in mind that the phishing scammer will go all out in trying to make their email look as legitimate as possible. They will even copy logos or images from the official site to use in their emails. But most of all, they like to include a clickable link that the email recipient can follow to conveniently update their information.

A good way to make sure the legitimacy of the link is real is to point at the link with your mouse. Then, look in the bottom left hand screen of your computer. The actual website address to which you are being directed will show up for you to view. It is a very quick and easy way to research if you are being directed to a legitimate site.

Here is a phishing tip that is the golden rule to follow. Never click the links within the text of the e-mail, and always delete the e-mail immediately. Once you have deleted the e-mail, empty the trash box in your e-mail accounts as well. If you are truly think that you are missing an important notice regarding one of your accounts, then type the full URL address of the website into your browser. At least then you can be confident that you are, in fact being directed to the true and legitimate website and not becoming a victim of the phishing scam.

Copyright © 2006   Spyware Information.com   All Rights Reserved.

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