Encore un concours de référencement tel loupanthÚre auquel je participe pour la promotion du moteur exalead et dont le sommaire des billets du loupanthÚre se trouve par là , voire par ici pour l'essentiel ? Non, il s'agit d' un championnat annuel de SEO à l'échelle mondiale.
DĂ©but le 15 janvier 2007. Les lots sont Ă la hauteur de lâĂ©vĂ©nement et c'est
une premiĂšre ni plus ni moinjs. Voici un descriptif francisĂš grĂące au forum seo.
Les rĂšgles :
Le premier Mai 2007, une recherche sur âxxxâ sera effectuĂ©e sur Google.com, MSN.com et Yahoo.com, chaque moteur de recherche apportera des points, et la somme des points dĂ©terminera le vainqueur.
La premiere position sur un des 3 moteurs apporte 10 points, seul les dix premieres positions apportent des points, decroissant de 10 points Ă 1 point.
Le choix du mot clé sera officiellement donné sur le site le 15 janvier 2007.
Bon référencement à ceux qui y participeront. Le loupanthÚre en sera je crois.
Tout est expliqué en détail sur le site du championnat annuel seo. D'ores et déjà des techniques, des tactiques se dessinenent en filigrane car oui il faut s'y prendre le plus tÎt. Ici pour la team SEO française sur le championnat mondial de referencement et encore par là pour un groupement d'équipe seo française for the seo french teams yeah ! GO ! Plus d'explications ici et là .
Pour nos amis du reste du monde
:
Still a contest of referencing (seo) such loupanthĂšre in which I do take part for the promotion of the engine exalead and whose synopsis of the tickets of the loupanthĂšre is by there, even by here essentially? Not, it is about an annual championship of SEO on a worldwide scale. At the beginning of on January 15, 2007. The batches are with the height of the event and it is a first more neither nor moinjs. Here a description francisĂš thanks to the forum seo.
Rules: May first, 2007, a research on âxxxâ will be carried out on Google.com, MSN.com and Yahoo.com, each search engine will bring points, and summons it points will determine the winner. The first position on one of the 3 engines brings 10 points, only the ten first positions bring points, decreasing of 10 points with 1 point. The choice of the key word will be officially given on the site on January 15, 2007.
- * The site taking part in the contest must include the banner or the bond text in direction of the organizing site.
- * You must include a form of contact or to leave an address email validates in order to be able to be contacted by the organizers of the contest.
- * Your domain name used for the contest must be to record from January 15, 2007, any field to record before the launching of the contest will be to disqualify. * You should not cheat! Satellite pages, cloaking⊠are not accepted. You was to follow the régles indicated by google on Webmaster GuideLines
- * If two participants have the same number of points at the end of the contest, that will be that which will have best positioning on Google.com which will carry it. Good referencing with those which will take part in it. The loupanthĂšre will be I believe.
All is explained in detail on the site of the annual championship seo. Right now techniques, tactics are dessinenent in filigree bus yes it is necessary to be caught there earliest. Here for French TEAM SEO on the world championship of referencing and still by there for a grouping of French seo team for the seo french teams yeah! GO! More explanations here and there.
OK go back to loupanthĂšre.
Update important : nouveau concours de referencement ou plutĂŽt championnat mondial de referencement sur les termes de globalwarming awareness2007 vient d'ĂȘtre lancĂ©. Tous les dĂ©tails ici sur ce championnat mondial de SEO.
DĂ©cidĂ©ment, pas une semaine ne passe sans que lâon nous annonce une nouvelle rĂ©volution sociale. Ce mois de Mai sâannonce tout de mĂȘme comme une trĂšs bonne cru avec pas moins de trois annonces majeures dans le domaine de lâintĂ©ropĂ©rabilitĂ© des rĂ©seaux sociaux.
Contre toute attente, câest donc MySpace qui a ouvert le bal avec le lancement de Data Availbility, une initiative visant Ă partager les donnĂ©es des membres de My Space avec les services partenaires (Yahoo, Ebay, Twitter). Comprenez par lĂ que MySpace ouvre une partie de son systĂšme dâinformation pour laisser dâautres services accĂ©der au profil des membres, Ă leurs photos, Ă leurs vidĂ©os et Ă leur liste dâamis. Plus dâinfos ici : MySpace Embraces DataPortability, Partners With Yahoo, Ebay And Twitter.
A priori une belle preuve dâouverture mais Ă posteriori une belle dĂ©monstration de verrouillage des membres : âLaissez donc vos donnĂ©es personnelles chez moi (et moi seul) pour que les autres services puissent y accĂ©der (et vous rendre encore plus dĂ©pendant)â.
MĂȘme si les mĂ©canismes proposĂ©s sont suffisamment sophistiquĂ©s pour autoriser de la synchronisation de listes dâamis ou du mashup social, je ne peux que rester mĂ©fiant vis Ă vis de cette annonce. Il existe en effet un groupe de travail qui a Ă©tĂ© créé pour traiter de ce genre de questions (Data Portability), pourquoi vouloir faire cavalier seul ? En fait la rĂ©ponse Ă cette question se trouve dans le nom de lâinitiative : dans Data Portability il y a âportageâ alors que dans Data Availability il y a âdisponibilitĂ©â, et câest bien lĂ oĂč la diffĂ©rence se trouve : ce projet ne vous permet de sortir vos donnĂ©es personnelles pour les mettre ailleurs, elle permet juste Ă dâautres services dây avoir accĂšs.
VoilĂ donc une belle illusion dâouverture que nous offre MySpace. Pour en savoir plus, je vous recommande la trĂšs bonne analyse suivante : Thoughts on Data Portability.
PiquĂ© au vif, Facebook propose dans la foulĂ©e (et en catastrophe) une initiative Ă©quivalente (Facebook Connect) qui va offrir la possibilitĂ© de connecter son compte Facebook Ă des sites et services partenaires pour leur faire bĂ©nĂ©ficier du levier social. Encore de biens belles promesses oĂč lâon nous parle de âReal Identityâ et de âDynamic Privacyâ. Mouais⊠venant de la part de Facebook, câest un peu comme si le gouvernement chinois nous faisait la leçon sur les droits de lâhomme et la libertĂ© dâexpression. Plus dâinfos ici : Facebook Answers To MySpace With Facebook Connect.
Mais ne soyons pas trop critique, Facebook Connect est un peu comme une extension de la Facebook Platform qui donnerait la possibilitĂ© de dĂ©ployer des applications sociales Ă lâextĂ©rieur de leur fameuse plateforme (prĂ©voyez une avalanche de notifications).
Si vous savez lire entre les lignes, vous comprendrez que cette annonce est un constat dâĂ©chec pour Facebook : ils se rendent compte que leur technologie propriĂ©taire (le FaceBook Markup Language) nâĂ©tait pas forcĂ©ment une bonne idĂ©e et quâils nâont pas su atteindre la masse critique dâutilisateurs pour sâaffirmer comme un standard de facto.
Je vous recommande ainsi la lecture de deux articles :
Pire, certains y voient Ă©galement un aveu de faiblesse concernant la plateforme technique (qui a visiblement du mal Ă tenir la charge) et un moyen dĂ©tournĂ© de ne pas avoir Ă investir trop dâargent trop vite pour la remettre Ă niveau. La dĂ©mission rĂ©cente du fondateur et directeur technique ne serait pas un hasard : Rising Cost of Facebook Infrastructure; CTO Resigns.
Sans vouloir jouer les rabat-joie (quoi que un peu quand mĂȘme), jâanticipe un retour de flamme de la part de la communautĂ© qui pourrait plus craindre les dangers de cette initiative plutĂŽt que dâen apprĂ©cier les bĂ©nĂ©fices (lire Ă ce sujet : I Donât Like Chocolate with My Peanut Butter or Why I Donât Want a Social Graph).
Jâimagine que mettre en oeuvre de telles solutions techniques est un vĂ©ritable challenge technique, mais est-ce rĂ©ellement ce que les utilisateurs demandent ? Encore une fois, le groupe Data Portability est rĂ©ellement sur la bonne voie, pourquoi chercher Ă prendre des chemins dĂ©tournĂ©s ?
Suite Ă ces deux annonces, Google enchaĂźne et dĂ©voile son plan : Google Friend Connect. Pour les dĂ©tails, câest ici : Google Friend Connect Tries to Strangle the Social.
Il sâagit donc dâune approche inverse puisque ce Friend Connect va servir Ă exporter les donnĂ©es et applications sociales. Câest en quelque sorte un moyen de widgetiser le graphe social en injectant une dimension sociale lĂ oĂč il nây en a pas (cf. Google brings Friend Connect to the masses).
Une stratĂ©gie trĂšs maline de la part de Google qui choisit de boxer dans une autre catĂ©gorie que MySpace et Facebook (normal dans la mesure oĂč Orkut ne dĂ©colle pas en AmĂ©rique de Nord ou en Europe).
PassĂ© lâeffet dâannonce des ces 3 initiatives, je pense quâil est temps de prendre un peu de recul et de replacer tout ceci dans un contexte plus large pour ce rendre comte de la supercherie :
Bref, un bon début mais la route reste encore longue.
Encore un concours de référencement tel loupanthÚre auquel je participe pour la promotion du moteur exalead et dont le sommaire des billets du loupanthÚre se trouve par là , voire par ici pour l'essentiel ? Non, il s'agit d' un championnat annuel de SEO à l'échelle mondiale.
DĂ©but le 15 janvier 2007. Les lots sont Ă la hauteur de lâĂ©vĂ©nement et c'est
une premiĂšre ni plus ni moinjs. Voici un descriptif francisĂš grĂące au forum seo.
Les rĂšgles :
Le premier Mai 2007, une recherche sur âxxxâ sera effectuĂ©e sur Google.com, MSN.com et Yahoo.com, chaque moteur de recherche apportera des points, et la somme des points dĂ©terminera le vainqueur.
La premiere position sur un des 3 moteurs apporte 10 points, seul les dix premieres positions apportent des points, decroissant de 10 points Ă 1 point.
Le choix du mot clé sera officiellement donné sur le site le 15 janvier 2007.
Bon référencement à ceux qui y participeront. Le loupanthÚre en sera je crois.
Tout est expliqué en détail sur le site du championnat annuel seo. D'ores et déjà des techniques, des tactiques se dessinenent en filigrane car oui il faut s'y prendre le plus tÎt. Ici pour la team SEO française sur le championnat mondial de referencement et encore par là pour un groupement d'équipe seo française for the seo french teams yeah ! GO ! Plus d'explications ici et là .
Pour nos amis du reste du monde
:
Still a contest of referencing (seo) such loupanthĂšre in which I do take part for the promotion of the engine exalead and whose synopsis of the tickets of the loupanthĂšre is by there, even by here essentially? Not, it is about an annual championship of SEO on a worldwide scale. At the beginning of on January 15, 2007. The batches are with the height of the event and it is a first more neither nor moinjs. Here a description francisĂš thanks to the forum seo.
Rules: May first, 2007, a research on âxxxâ will be carried out on Google.com, MSN.com and Yahoo.com, each search engine will bring points, and summons it points will determine the winner. The first position on one of the 3 engines brings 10 points, only the ten first positions bring points, decreasing of 10 points with 1 point. The choice of the key word will be officially given on the site on January 15, 2007.
- * The site taking part in the contest must include the banner or the bond text in direction of the organizing site.
- * You must include a form of contact or to leave an address email validates in order to be able to be contacted by the organizers of the contest.
- * Your domain name used for the contest must be to record from January 15, 2007, any field to record before the launching of the contest will be to disqualify. * You should not cheat! Satellite pages, cloaking⊠are not accepted. You was to follow the régles indicated by google on Webmaster GuideLines
- * If two participants have the same number of points at the end of the contest, that will be that which will have best positioning on Google.com which will carry it. Good referencing with those which will take part in it. The loupanthĂšre will be I believe.
All is explained in detail on the site of the annual championship seo. Right now techniques, tactics are dessinenent in filigree bus yes it is necessary to be caught there earliest. Here for French TEAM SEO on the world championship of referencing and still by there for a grouping of French seo team for the seo french teams yeah! GO! More explanations here and there.
OK go back to loupanthĂšre.
Update important : nouveau concours de referencement ou plutĂŽt championnat mondial de referencement sur les termes de globalwarming awareness2007 vient d'ĂȘtre lancĂ©. Tous les dĂ©tails ici sur ce championnat mondial de SEO.
Lors de la conférence Web2expo, Matt Cuts a livré le point de vue de Google sur le Spam. On parle ici de spam de moteurs de recherche, ie les techniques et les moyens utilisés pour tricher et se classer sur Google alors que son contenu ne le justifie pas.
Ce que lâon peut retenir:
Encore un concours de référencement tel loupanthÚre auquel je participe pour la promotion du moteur exalead et dont le sommaire des billets du loupanthÚre se trouve par là , voire par ici pour l'essentiel ? Non, il s'agit d' un championnat annuel de SEO à l'échelle mondiale.
DĂ©but le 15 janvier 2007. Les lots sont Ă la hauteur de lâĂ©vĂ©nement et c'est
une premiĂšre ni plus ni moinjs. Voici un descriptif francisĂš grĂące au forum seo.
Les rĂšgles :
Le premier Mai 2007, une recherche sur âxxxâ sera effectuĂ©e sur Google.com, MSN.com et Yahoo.com, chaque moteur de recherche apportera des points, et la somme des points dĂ©terminera le vainqueur.
La premiere position sur un des 3 moteurs apporte 10 points, seul les dix premieres positions apportent des points, decroissant de 10 points Ă 1 point.
Le choix du mot clé sera officiellement donné sur le site le 15 janvier 2007.
Bon référencement à ceux qui y participeront. Le loupanthÚre en sera je crois.
Tout est expliqué en détail sur le site du championnat annuel seo. D'ores et déjà des techniques, des tactiques se dessinenent en filigrane car oui il faut s'y prendre le plus tÎt. Ici pour la team SEO française sur le championnat mondial de referencement et encore par là pour un groupement d'équipe seo française for the seo french teams yeah ! GO ! Plus d'explications ici et là .
Pour nos amis du reste du monde
:
Still a contest of referencing (seo) such loupanthĂšre in which I do take part for the promotion of the engine exalead and whose synopsis of the tickets of the loupanthĂšre is by there, even by here essentially? Not, it is about an annual championship of SEO on a worldwide scale. At the beginning of on January 15, 2007. The batches are with the height of the event and it is a first more neither nor moinjs. Here a description francisĂš thanks to the forum seo.
Rules: May first, 2007, a research on âxxxâ will be carried out on Google.com, MSN.com and Yahoo.com, each search engine will bring points, and summons it points will determine the winner. The first position on one of the 3 engines brings 10 points, only the ten first positions bring points, decreasing of 10 points with 1 point. The choice of the key word will be officially given on the site on January 15, 2007.
- * The site taking part in the contest must include the banner or the bond text in direction of the organizing site.
- * You must include a form of contact or to leave an address email validates in order to be able to be contacted by the organizers of the contest.
- * Your domain name used for the contest must be to record from January 15, 2007, any field to record before the launching of the contest will be to disqualify. * You should not cheat! Satellite pages, cloaking⊠are not accepted. You was to follow the régles indicated by google on Webmaster GuideLines
- * If two participants have the same number of points at the end of the contest, that will be that which will have best positioning on Google.com which will carry it. Good referencing with those which will take part in it. The loupanthĂšre will be I believe.
All is explained in detail on the site of the annual championship seo. Right now techniques, tactics are dessinenent in filigree bus yes it is necessary to be caught there earliest. Here for French TEAM SEO on the world championship of referencing and still by there for a grouping of French seo team for the seo french teams yeah! GO! More explanations here and there.
OK go back to loupanthĂšre.
Update important : nouveau concours de referencement ou plutĂŽt championnat mondial de referencement sur les termes de globalwarming awareness2007 vient d'ĂȘtre lancĂ©. Tous les dĂ©tails ici sur ce championnat mondial de SEO.
Impressive, I'm surprised I've never saw this before. Google organizes the results in a very accessible way. Shows all albums and all songs (if you like). Even has links to reviews from all over the web.
Encore un concours de référencement tel loupanthÚre auquel je participe pour la promotion du moteur exalead et dont le sommaire des billets du loupanthÚre se trouve par là , voire par ici pour l'essentiel ? Non, il s'agit d' un championnat annuel de SEO à l'échelle mondiale.
DĂ©but le 15 janvier 2007. Les lots sont Ă la hauteur de lâĂ©vĂ©nement et c'est
une premiĂšre ni plus ni moinjs. Voici un descriptif francisĂš grĂące au forum seo.
Les rĂšgles :
Le premier Mai 2007, une recherche sur âxxxâ sera effectuĂ©e sur Google.com, MSN.com et Yahoo.com, chaque moteur de recherche apportera des points, et la somme des points dĂ©terminera le vainqueur.
La premiere position sur un des 3 moteurs apporte 10 points, seul les dix premieres positions apportent des points, decroissant de 10 points Ă 1 point.
Le choix du mot clé sera officiellement donné sur le site le 15 janvier 2007.
Bon référencement à ceux qui y participeront. Le loupanthÚre en sera je crois.
Tout est expliqué en détail sur le site du championnat annuel seo. D'ores et déjà des techniques, des tactiques se dessinenent en filigrane car oui il faut s'y prendre le plus tÎt. Ici pour la team SEO française sur le championnat mondial de referencement et encore par là pour un groupement d'équipe seo française for the seo french teams yeah ! GO ! Plus d'explications ici et là .
Pour nos amis du reste du monde
:
Still a contest of referencing (seo) such loupanthĂšre in which I do take part for the promotion of the engine exalead and whose synopsis of the tickets of the loupanthĂšre is by there, even by here essentially? Not, it is about an annual championship of SEO on a worldwide scale. At the beginning of on January 15, 2007. The batches are with the height of the event and it is a first more neither nor moinjs. Here a description francisĂš thanks to the forum seo.
Rules: May first, 2007, a research on âxxxâ will be carried out on Google.com, MSN.com and Yahoo.com, each search engine will bring points, and summons it points will determine the winner. The first position on one of the 3 engines brings 10 points, only the ten first positions bring points, decreasing of 10 points with 1 point. The choice of the key word will be officially given on the site on January 15, 2007.
- * The site taking part in the contest must include the banner or the bond text in direction of the organizing site.
- * You must include a form of contact or to leave an address email validates in order to be able to be contacted by the organizers of the contest.
- * Your domain name used for the contest must be to record from January 15, 2007, any field to record before the launching of the contest will be to disqualify. * You should not cheat! Satellite pages, cloaking⊠are not accepted. You was to follow the régles indicated by google on Webmaster GuideLines
- * If two participants have the same number of points at the end of the contest, that will be that which will have best positioning on Google.com which will carry it. Good referencing with those which will take part in it. The loupanthĂšre will be I believe.
All is explained in detail on the site of the annual championship seo. Right now techniques, tactics are dessinenent in filigree bus yes it is necessary to be caught there earliest. Here for French TEAM SEO on the world championship of referencing and still by there for a grouping of French seo team for the seo french teams yeah! GO! More explanations here and there.
OK go back to loupanthĂšre.
Update important : nouveau concours de referencement ou plutĂŽt championnat mondial de referencement sur les termes de globalwarming awareness2007 vient d'ĂȘtre lancĂ©. Tous les dĂ©tails ici sur ce championnat mondial de SEO.
Written by Mary Rowland This article is From Readerâs Digest
Clear Those Financial HurdlesWas there ever a time when any one of us turned our backs on a bargain? Probably not. But today thereâs even more reason to hang on to your dollars. The U.S. economy is cooling down, according to the Federal Reserve Board. At the same time, Americans are piling up more credit-card debt than ever before, and our savings rate is negative, the first time since the Great Depression.
So weâve rounded up ten financial challenges, and come up with solutions to help you keep more of your money.
1. That SUV of yours seemed like a good idea at the time, but now youâre paying way too much to fill âer up.
Solution: First, look for the cheapest gas prices in your area before you head for the pump â they may vary by as much as 20 percent within a few blocks and can change frequently. Gasbuddy.com collects price information for the U.S. and Canada from 173 websites. Gaspricewatch.com collects prices on 128,000 gas stations from 123,000 volunteer spotters.
Be careful about how you use debit and credit cards to pay for the gas. Sure, gas company credit cards offer rebates on gas, usually from one to five percent. But they often carry high annual percentage rates and limit you to a particular brand of gas. Some even offer teaser rebates of up to ten percent, which may be available for only 30 days. A better choice is a general-purpose credit card, with rebates wherever you buy gas.
Avoid using your debit card. When you buy gas on a debit card, your bank âlocks upâ as much as $100 for as long as several days or until the station owner processes the transactions. If your bank account is running low, you may bounce a check or two.
An easy way to save on gas? Properly inflated tires. Check them weekly and shave up to 9 cents off a $3 gallon.
2. You stop at the supermarket a few times a week to pick up something for dinner, tossing in pricey items as you go.
Solution: Order groceries and staples online and get them delivered to your door. E-grocery stores became one of the biggest disasters in the dotcom debacle a few years back. But a handful of them are beginning to resurface, with more sure to follow.
Some sites are still regional, but amazon.com announced the nationwide opening of its grocery store this summer, with 14,000 nonperishable items, some hard to find and many discounted. Amazon offers free shipping on orders over $25. To see which e-grocer operates in your neck of the woods, check out safeway.com, peapod.com, freshdirect.com and netgrocer.com.
3. Your daughter wants a clarinet, and you need to get rid of that old couch, but itâs still got some life left in it.
Solution: Try freecycling. Community groups across the nation have organized to help consumers give away stuff they no longer need and find free stuff they could use. This isnât a barter arrangement. You give or you get, but not necessarily from the same person. Once you find a recycler who has something you want, you make arrangements to pick it up.
Nancy Castleman of Elizaville, New York, has given away Jerusalem artichokes from her garden, lawn mowers, a television, stereo speakers and a sewing machine. Sheâs received computers, a stove, a lawn tractor and a 30-gallon pail of birdseed.
The granddaddy of online recycling is freecycle.org, a network of nearly 2.5 million members in 3,710 communities around the world. Also global is freesharing.org. Members offer furniture, clothing, appliances, computers and more. Check out the list of other âsites like us.â For a smaller, folksier site, go to sharingisgiving.org. Search by ZIP code for local garage sales and thrift shops.
4. Your son left for college, and you want to keep in touch â without paying huge phone bills.
Solution: Talk for free on the Internet. Go to skype.com and download free software that allows you to make free domestic calls (and very inexpensive international calls) to other Skype users. David Kavaler, a junior at Northeastern University in Boston, went to Venice, Italy, for a summer photo program and used Skype to call home. âIt was very cheap, so I didnât bust my budget on phone bills,â he says. Google is also developing a network to handle calls and instant messages to friends anytime, anywhere. Google Talk is free. Go to google.com/talk to sign up. JAJAH recently introduced a free global calling plan. Go to jajah.com, enter your own phone number and the number of the person you want to call. Your phone will ring and a recorded voice will announce that you are being connected to your friendâs phone. Within moments, you are talking. Free. After this initial call, both you and your friend will need to register (no charge) at jajah.com to continue the free chats. Most countries are in JAJAHâs free zones, but check before calling. Take note: Some phone companies charge for incoming calls.
5. Your wifeâs birthday is coming up. She has champagne taste, and youâre on a beer budget.
Solution: Get a cup of coffee, prop yourself up at your computer and take a look at some new online options.
Shopping.com compares prices, warranties, dimensions, quality and other factors for the top five sellers in a specific category. It also provides buyer reviews and ratings. If youâre looking for jewelry, for instance, you can search by material, stone type, style and store. A no-brainer for men short on patience.
Jellyfish.com helps you earn cash back (two to three percent) when you make purchases through a Web retailer. Hereâs how it works: Go to jellyfish.com to find the right product at the best price. Once youâve made the purchase and jellyfish gets its commission from that merchant, jellyfish will credit your account or send you a check for at least half of what itâs received. No fees, no hidden charges.
6. Youâd love to get away over the holidays, but with fuel prices and airfares climbing, it doesnât look good.
Solution: New Internet travel search engines analyze data and update prices regularly to help you get the cheapest rate on airfares, hotels and rental cars. Objective price comparisons and no commissions.
Farecompare.com collects data and updates 6 million fares between 77,000 city pairs up to three times a day. For last-minute getaways, see the Top Deals list. Suppose you live in Denver, Colorado, and you would like to slip away for a long weekend. At FareCompare, you can see that it would cost you $158 round-trip to Chicago, $198 to Cancun and only $247 to Anchorage.
Kayak.com gathers flight and fare information from hundreds of websites in real time to provide what it claims are the best travel deals available, including flight, hotel and rental cars. A recent check found that the cheapest nonstop round-trip fare between Boston and Pittsburgh was $139 on either United or JetBlue. Click on the airline of your choice and you will be linked to that site with the flight ready to book.
Farecast.com charts the lowest fare between the departure and destination cities you choose, predicts whether fares are heading up or down and allows you to see what time of year is cheapest for travel. The site searches the airlines and provides links to each. Click âflexible searchâ to get a lower-priced option. This site is in beta testing, and for now, departure cities are limited. A recent search showed that the lowest price for a round-trip ticket between Seattle and Houston was $244. Twenty days later it had risen to $333. Farecast predicted that fare would hold for seven days.
7. You signed a two-year contract for a cell phone only to discover that the service in your area is unsatisfactory.
Solution: Youâre facing two years of dropped calls or a $150 termination fee to cancel the contract. But a new website â celltradeusa.com â can help you find someone to take over the remainder of your contract.
Click onto this bright red website; the screen is split between âGet Outâ and âGet In.â There are advantages on each side: The seller gets out of the long contract and keeps his old number. The buyer gets a shorter-term contract and pays no activation fee.
Once you sign up to sell your contract, youâll begin receiving e-mails from interested buyers. Pay the $19.99 registration fee and youâll receive their contact information. Celltrade does not guarantee that a potential buyer will be approved by your service provider. The company will check on the creditworthiness of the buyer, just as it did with you.
8. Your credit-card application was denied, and your mortgage rate is higher than your sisterâs. Ouch.
Solution: Improve your credit score and save thousands of dollars. These scores determine how much you pay in interest on your mortgage and credit cards, and how much you pay for auto and life insurance and more. Credit scores can even be the deciding factor in whether you get the job you want (some employers think it speaks to character).
The Fair Isaac Corporation was first to develop credit scores to determine how likely you are to be a good credit risk. A chart at myfico.com lists mortgage interest rates, updated daily, and shows what interest rate you might get, based on your score. For example, someone with a score of 760-850 could get a 6.31 percent interest rate on a 30-year fixed mortgage of $216,000, according to the site. His monthly payment would be $1,338. For the same mortgage, someone with a score of 620-639 would get a 7.89 percent interest rate and pay $1,569 per month. Thatâs a difference of $231 a month, or $83,160 over the life of the 30-year loan.
To determine your score, computers grind up a ton of information about your credit history â and spit out a number. FICO scores range from 300 to 850; a score of 720 or more is considered good by most standards; above 760 gets you the best rates â and the right to negotiate even better ones with some lenders. The fastest way to improve your score is to pay your bills on time and reduce the amount of debt you carry.
Go to annualcreditreport.com for your free report â youâre entitled to one every 12 months from each of the three bureaus. Youâll pay extra for your credit score.
9. Youâre living paycheck to paycheck, worried youâll never own a home, get a degree or retire.
Solution: Consult a financial planner. Time was when they refused to do anything short of a full financial plan, which cost thousands of dollars. Today a network of fee-by-the-hour planners will help you with one specific goal â choosing investments for your 401(k) plan, getting out of debt, saving for college â for as little as a few hundred dollars.
To find an Ă la carte planner, go to garrettplanningnetwork.com. Participants in this network have been trained and approved by Sheryl Garrett, the planner in Shawnee Mission, Kansas, who set up the network and who has been named one of the most influential people in financial services. Michael Donahoe, a planner in Cape Elizabeth, Maine, met with a young couple who wanted to buy a home. They had $10,000, but they couldnât manage to save the remaining $10,000 needed for the down payment and closing costs. If they kept their $10,000 invested at 8 percent, Donahoe estimated, it would take them about 8 1?2 years to buy a home.
Donahoe set them up with a systematic investment program and reviewed their retirement benefits at work. As a result of his suggestions, they will probably be able to purchase a new home in two years, says Donahoe, who charged them only $370. Donahoe provides a fee estimate before he starts work. âAnd I donât bill above what I estimate,â he says.
10. Youâd like to go to the movies and eat out more often, but the âfun stuffâ really costs.
Solution: Check out meetup.com, a social networking site unlike the others: Folks actually get together. Over 2.5 million have joined local Meetups, and there are more than 4,500 interests listed, including dining out, movies, belly dancing, scrapbooking and ghost tracking. Join an existing group for free, or start your own.
But youâll have to check your neighborhood at meetup.com to see which groups discount activities or offer them at no charge. A yoga instructor in Brooklyn, New York, for example, gives free lessons since she found a studio she can use at no cost; she asks for a $5 donation. A movies Meetup in Orlando, Florida, and a vegan group in Boston get group discounts.