Monday, May 23, 2011

Best Web Hosting

Web hosting has expanded quite a bit these past few years. There are now different varieties of web hosting you can choose from such as dedicated hosting, shared hosting, managed hosting, and reseller hosting.

People decide to get shared hosting because it is the cheapest and most common form of web hosting. Many of the websites that you find online use this type of hosting. Under this form of hosting, you share disk space capacity, bandwidth, and services with other people. By sharing resources, you can pay less for the service because it costs less. Shared hosting is typically the best web hosting for individuals or small businesses that want an inexpensive and simple hosting service.

People get reseller hosting if they plan on selling web hosting plans to other people. Under this service, you would buy a plan from the web host provider that allows reselling. This could be a good business model because you pay a flat fee to the provider and then you charge fees by reselling.

People choose dedicated hosting when they want a lot of control, better performance, and flexibility from their server. This type of hosting is exactly opposite of share hosting. You get a server completely dedicated to your website. You can do a lot more with dedicated hosting such as using your own operating system, installing software, and using your own server protection. This type of hosting also requires you to be more experienced in maintaining a server.

Another type of hosting that people may choose is managed hosting. This type of hosting service is mainly for people who do not have the time or the expertise to manage their servers. Since someone is managing and monitoring the servers for you, the cost of using this type of service is usually higher than other types of web hosting.

HostGator

HostGator is one of the top web hosting companies out there. HostGator offers:
  • Unlimited disk space, bandwidth, email
  • Free site building tools with 4500 website templates
  • Free shopping cart software
  • Free forums, photo galleries, and membership scripts
  • 45 day money back guarantee
Lunarpages

Lunarpages provides shared hosting, windows hosting, VPS, dedicated hosting, and reseller hosting. The basic hosting plan starts off at $3.95 per month and goes up to $19.95 per month for the reseller plan. You can easily find a plan that fits your needs with this service.

Inmotion

Inmotion is well known for its customer support. Some of the features of Immotion are:
  • Email with spam blocking
  • Launch, Power, and Pro Hosting
  • 90 day money back guarantee
  • Reliable
  • User friendly interface
  • Unlimited disk space
U2K Group

The U2K Group offers:
  • Domain registration and management
  • Windows and Linux shared hosting
  • Web design, ecommerce, and reseller hosting
  • Unmanaged and managed dedicated servers
Super Green Hosting

For those people who want to leave a minimal carbon footprint, you can try out Super Green Hosting. They use energy efficient servers. Some of the features that customers receive are:
  • Unlimited Hosting Space
  • Unlimited Bandwidth
  • Unlimited Email Accounts
  • cPanel
  • Free Domain Name
  • Free Point and Click Site Builder
  • Free Credits for Google, Yahoo, Facebook, and MySpace Ads
HostPapa

HostPapa is another green hosting company. They use green renewable energy to power their data centers and offices. HostPapa offers:
  • Unlimited web hosting
  • Unlimited data transfer
  • Unlimited domains
  • Free setup
  • Free domain for life
  • Free Soholaunch site building software
Omnis Network
  • 2 hosting terms to pick from
  • Unlimited disk space
  • Unlimited Bandwidth
  • No setup fees
  • Discounts on bulk domain registration
  • Cloud web hosting
Just Host
  • Unlimited Space, transfer, domain hosting, e-mail accounts, and MySQL databases
  • Free site builder
  • Free domain name
  • Free setup
  • Anytime money back guarantee

Friday, May 20, 2011

Online Payday Loans

After I was fired from my high paying job about a year ago, I have since then found another job. However, this job does not even pay half as much as my previous job. Subsequently, there are times when I do not have money to cover the bills. In order to cover the bills I usually go and get online payday loans.

Payday loans are basically very short term unsecured loans where the borrower has to repay the loan by their next payday. Usually, the lenders will check your income or verify your employment by looking at your pay stubs and bank statements, but many online payday loan companies do not look at this. I like to use online payday loan lenders because it is quick and easy. All I have to do is fill out the application online and the lender will direct deposit the money into my checking account. Some lenders may ask that you fax the documents but others may not even request any documents. Other lenders might not even do credit checks. When the due date comes, the lender will automatically withdraw the borrowed money from my checking account. Fees for a payday loan are usually much higher because the lender is taking a big risk. The fees are usually anywhere from 15 to 30% of the loan amount. Obviously payday loans should not be used too often because they are quite expensive. However, for emergencies every once in awhile is fine.

Before I apply for a payday loan, I always read the terms and find out what the fees are and when the loan will be due. It is also imperative to find a reputable lender because there are many scammers out there. You can also your friends who have used payday lenders that they can recommend. Also, you should look at some of the reviews online.

Thursday, May 19, 2011

Plus Size Wedding Dresses

A friend of mine was planning on getting married soon. She went to many bridal stores in town but none of them carried wedding dresses in her size. She is a fairly heavyset woman and would require a gown that was larger than normal. She was about to give up finding that perfect dress when I informed her that she could buy plus size wedding dresses online. Not only would she be able to find a gown that fit her, but most likely they would be selling them much cheaper than in stores.

Since online bridal stores generally only sell online, I told my friend to measure herself first. For best results I recommended that she go to a seamstress to get professional and accurate measurements. If she could not find a seamstress, I volunteered to measure her because I did not want her to get inaccurate measurements if she measured herself. We were able to find a seamstress in town and she measured my friend’s bust, waistline, and hips. After that, we took the measurements and went to an online retailer of plus size wedding gowns. The retailer that we looked at sold many designer dresses like Alfred Angelo, Mori Lee, Allure Bridals, Impression, Jacquelin, and Aurora D’Paradiso.

When searching for an online store, we wanted to find the place that sold discount dresses. But at the same time, we needed to find a place that was honest. Many of the dresses cost several hundred dollars so it would be best to find a reputable seller. It would be best if the seller offers some kind of return policy especially on plus size dresses. Sometimes the dress you buy just will not fit and you have to return it.

In the end, we were able to find the perfect wedding dress for my friend. All of our friends complimented her on how beautiful her dress was and have asked her where they could buy a dress like hers.

Monday, May 16, 2011

Credit Cards for Unemployed People

A friend of mine was recently laid off from his job. Even though he was laid off from his job, he still has bills to pay. One way in which he intended to pay his bills was to use credit cards. He was pretty sure he could use credit cards to pay bills for awhile until he got his next job. Unfortunately, his current credit cards do not have high credit limits so he had to apply for more credit cards.

Most lenders are pretty hesitant about giving unemployed people credit cards. The lenders want to see a source of income otherwise they would not think that you could make your monthly payments. I told my friend to look specifically for credit cards for unemployed people. I was sure there are lenders out there that gave credit cards to the unemployed. For the unemployed, they can get an unsecured credit card or a secured credit card. An unsecured credit card will be harder to get and usually the limits are low and the fees are pretty high. With a secured credit card, the terms are much better because the lender basically has nothing to lose if you do not pay your card off. They would just take your collateral.

One way to get an unsecured credit card is to take the pre-approved credit card offers that you may get from your bank. If you are a long time customer of your bank and you have had no problems with credit, the bank would most likely issue you a pre-approved card every now and then.

Another option to get credit cards for the unemployed is to go to lenders that specifically lend to unemployed people. Lenders such as Aqua specialize in these cases. The credit limits will probably be pretty low and the APR would be pretty high. There would probably be annual fees as well. However, these cards should help the unemployed a little as they find a new job.

If you do not mind putting up collateral or a deposit, you could easily get secured credit cards. These types of credit cards are easy to get because the lender basically has no risk. If you cannot make your payment the lender would just take your deposit or your collateral.

In the end, my friend was able to get a credit card through his bank because he had been a loyal customer for a long time. His credit score for the most part was pretty good so the terms on his credit card are decent.

Saturday, May 14, 2011

Payday Loans for People with Bad Credit

My friend has really bad credit. This was due to years of missing payments on bills and rent payment. He has also racked up a sizable credit card debt. Because of this no lenders are willing to lend him any money. He can no open up any more credit card accounts. It is really unfortunate because sometimes he needs a quick loan to pay his bills. This time he came to me asking to borrow some money because he needed to pay his rent otherwise he would be evicted. I told him that I did not have the money to lend to him. I told him that he could get payday loans for people with bad credit if he wanted. There are plenty of payday lenders online that he could go to.

Usually payday lenders want to see that you have a steady job making a certain amount of income before they will lend to you. They are not so worried about your credit score. They typically charge a very high APR which can be anywhere between 15 to 30 percent of the amount that you borrowed. You would then have to pay back the loan within two weeks or whenever your next payday happens. If the lender deposited the money directly into your bank account, then they would automatically withdraw the money when the due date is up.

I told my friend to read the terms of the loan carefully. Each lender has different terms regarding bad credit payday loans. Some lenders have a shorter repay period while others have a longer one. Some will have a higher interest rate on the loan while others will have a lower rate. Still, some lenders might not even lend any money to you for whatever reasons. I also reminded him that since these payday loans are loans, he should be diligent in paying the lenders back on time unless he does not care about his credit score getting even worse.

Friday, May 13, 2011

Las Vegas Hotels for Kids

Our family was planning on going to Las Vegas this year for our annual family trip. I knew that Las Vegas was a place of gambling and basically lots of adult fun but I knew there were many family friendly things to do too. First off, we had to find Las Vegas hotels for kids. Apparently there were some hotels that discouraged people from taking their children. So we had to do some researching before we booked a hotel.

The Circus Circus Hotel seemed like the best choice for in terms of being kid friendly. The hotel offers circus performances everyday from morning until night. It also has a huge arcade and lots of carnival games. The Adventuredome is a great amusement park that should keep kids entertained.

The New York/New York Hotel has a huge roller coaster and also one of the biggest arcade areas on the strip. The food court area is considerably large with many different options. There is certainly much to do in this hotel that would keep entertained for hours.

The Mandalay Bay hotel has a wave pool and lazy river where kids can have fun and parents can relax. A shark reef also allows you to get close to a real live shark. This hotel will make you feel like you are relaxing on the beach even though you are in a city nowhere close to a beach.

The MGM Grand has lots of families go there because of its very large pool and a nice enough arcade area. Also, across the street is New York/New York and the Excalibur so you can get more entertainment there if you are done with the MGM Grand.

The Luxor Hotel has lots of entertainment for your kids. There is one whole floor which has an IMAX theater, arcade games, and virtual reality rides.

The Excalibur Hotel should appeal to parents who have little daughters. At night time this fairy tale castle lights up in all kinds of colors. The have some puppet shows and an entire floor of arcade games.

There are so many choices in hotels for our family but we eventually decided on staying at Circus Circus because of all the rides and entertainment. Plus they were offering a discount on the room rates so we could not pass it up.

Thursday, May 12, 2011

Health Insurance for College Students

When students head off to college, the last thing they would think about is health insurance. However, many colleges now require students to have health insurance before they can enroll in classes. Although many students may find this to be a hassle, it would be a good idea to carry insurance anyways because if you got into a serious accident you could end up with a huge medical bill. That could potentially cause you to drop out of school. There are several avenues you can take to get health insurance for college students.

The easiest and best way to get health insurance is to join your parent’s employer sponsored coverage. Employer sponsored health insurance is the best because it covers the most. Plus this coverage cannot exclude you due to pre-existing conditions. The health care reform bill allows students to stay under their parent’s coverage until 26 years old.

If you parents do not have health insurance or you cannot join for some reason, you could also find health insurance for students in college through your university. Your college’s health insurance is generally inexpensive and is good for international students too. The plans usually do well in preventing disease through immunizations. The problem with this type of coverage is that they are not good for covering major medical bills. The insurance usually has a cap on the amount of money it will spend per condition. If you had a serious chronic disease like cancer, it would easily go over the cap and it would be up to you to cover the rest.

If you do not find college health insurance that appeals to you, you could also buy individual health plans too. Individual health insurance is usually pretty cheap especially if you are young and healthy. The older you get, the higher the premium gets. Some insurance companies are even offering insurance that are specifically geared towards students who do not want school based insurance and cannot join their parent’s plan.

Before you decide on the best health insurance policy, be sure to compare all the plans and read the fine print. You do not want to end up buying a policy that looks like it is cheap and covers a lot but in fact does not cover much. Pay special attention to the caps on the insurance payout.

Wednesday, May 11, 2011

Payday Loans for Students

Going to school can be pretty expensive for many students. The cost of college gets higher every year. Not only do students have to pay for tuition, but they have to pay for books, computers, and other school supplies. Many time students have to take a part time job in order to make ends meet but sometimes that may not be enough to cover expenses.

When unexpected emergencies arise such as the student’s car breaking down then they may need a quick source of cash. In this case, students may want to look into payday loans for students. Payday loans are basically loans based on your pay from your job. Typically the lender will have certain minimum requirements such as $1000 per month income. The lender will also charge a fee for the borrowed money which can be 25% to 30% of the amount borrowed. This means that if you borrowed 100 dollars your fee would be 25 to 30 dollars. Nowadays, lenders can directly deposit the money into your bank account. When your payday loan is due, which is usually the day that you get paid on your job, the lender will transfer the borrowed money plus fee from your bank account.

Students getting a payday loan should be aware of the risks of using these types of loans. The fees on these loans are pretty high so you should only use these for real emergencies. If you could help it, a payday loan should be your last resort. Students should also beware of scammers. Make sure you use a trusted lender. Ask your friends if they have had experience with payday lenders. Before you get the payday loan, be sure you read the fine print. Make sure you are not paying any more extraneous fees. If done right, a payday loan could come in real handy.

Sunday, May 8, 2011

Cheesecake Factory Coupons

The Cheesecake Factory is one of my favorite chain restaurants. I love the fact that they have so many choices on their menu. You can try something different every time that you go there. Their food is also multicultural. For example, you could get something Asian inspired there if you want. It is a good place to eat if everyone in your party wants to try something different. Also, they give large portions of food so you could actually share one plate with another person. So when my birthday was about to come up, I definitely had to go to the Cheesecake Factory to celebrate.

One thing about the Cheesecake factory that I do like enjoy is the price. The food can be pretty expensive. Every time I go there, I always check and see if there are any Cheesecake Factory coupons available. There are many sources which I look through in order to find the coupons. First off I always check online deal sites like Retailmenot, Fatwallet, etc to see the newest deals. The people who use these sites post the deals and discounts when they find them so you can check it out daily for something new. You could also find printable Cheesecake Factory coupons too.

After going through the sites I checked out the daily newspaper. The newspaper usually comes with advertisements for coupons and offers. Usually the Sunday edition of the paper has the most amounts of coupons. You will most likely find the coupon that you want there.

You can also buy some coupon booklets where they contain hundreds of coupons for a variety of stores and restaurants. The money that you spend on a coupon booklet would be a good investment if you use all the coupons because you would recuperate your cost in no time.

So after doing a little bit of search, we finally found a coupon for the Cheesecake Factory and we had a wonderful time for my birthday while saving some money too.

Friday, May 6, 2011

Payday Loans for Unemployed People

Not too long ago I was laid off from my job. I have a family to support so our family savings were quickly dwindled. Without any money left, we could not pay the rent or the bills. I was getting unemployment checks but it is not enough to pay for everything. I decided the best thing to do was to get payday loans for unemployed people. At first I did not believe that it was possible to get payday loans when you are unemployed because the definition of a payday loan is the lender would get repaid when you get your next paycheck from work. As I did more research however, I found that it is possible to get a payday loan.

I found that as long as you have some sort of income, then lenders would be willing to lend to you. Since I am getting unemployment checks, I would be eligible to apply for a payday loan. However, since the unemployment benefits are not a lot, I would also not be able to get much money in loans. It should be enough to pay a few bills though.

If you are not getting unemployment benefits, then you may want to put something that you own up as collateral. Some people may use their cars as lenders will generally accept it. If you have smaller items like jewelry or electronics, you can go to a pawn shop where they would give you a percentage of the value of the item that you are using as collateral. If you do not have anything of value to pawn off, you might be able to get someone who has a job and good credit to cosign for you. In the event that the lender cannot collect the money from you should you default, they would try to get it from your cosigner.

For us, it was an absolute necessity to borrow money but if you can help it, it would not be wise to borrow money until you get a job. These payday loans carry a high interest rate so it is best used for real emergencies.

Thursday, May 5, 2011

Outback Steakhouse Coupons

My birthday was coming up and my family and friends wanted to take me out to someplace nice. They all asked me where I wanted to go and I told them that I would love to go to Outback Steakhouse. I do not go there very often because the prices are not exactly cheap. Since we are planning on having a large group of people go to Outback Steakhouse, we figured we could probably find some printable Outback Steakhouse coupons online. It would certainly save us some money.

The first place we checked was Retailmenot. Retailmenot is a very popular coupon site where you can find coupon codes and printable coupons. It also tells you the success rate of the coupons that people provide. Obviously, the higher the rate of the coupon, the more likely it will work.

Another way to get coupons for Outback Steakhouse is to go their company website and sign up for the “My Outback Rewards”. Becoming a member is free and you would get a free appetizer coupon just for signing up. From time to time, Outback Steakhouse would email you offers, discounts and coupons.

Finally, you can check your mail for coupons and deals from their promotional mailings. In some places you may be able to find coupon books with Outback Steakhouse coupons in them. You can also just call up Outback Steakhouse and find out exactly what types of specials or deals that they have. They may have promotional days where you can get discounts on the food.

After scouring around the internet and through ads in the newspaper, we finally found a printable coupon on Retailmenot. Our group of 12 people went to the restaurant and had a good time. I am glad that we had looked for a coupon first before going. Nowadays, restaurants are competing for your business and it is very likely you would find discounts if you look around.

Tuesday, May 3, 2011

Cash Advance for Unemployed People

I have been unemployed for several months. I have pretty much run down my savings and have had to resort to borrowing money in order to pay the bills. For the unemployed, getting a cash advance is pretty hard. Without a job, most lenders are not willing to front you any money. They would consider you to be too risky. Of course, if you have good credit, it could help you to get a loan.

I began searching for ways in which I could get a loan. One way to get cash advance for unemployed people is by first getting unemployment from the government. Once you have a steady income again, you can apply for a payday cash advance. The only issue with this is that your interest rate would probably be higher than a long term loan. These loans are usually for 30 days and you could easily pay 20 to 30 dollars for every 100 dollars borrowed.

Another way that I found to get money is by going to the pawn shop. These pawn shops will take collateral in exchange for cash. Usually, the pawn shops give 50 percent in cash the value of the item you are putting up for collateral. You can usually put up items like jewelry, electronics, and just about anything that has value. Later on, when you pay back the loan, you can get your item back.

I finally decided to go to a pawn shop and put my flat screen TV up for collateral. I was able to get 500 dollars for it. Now I can use the money to pay bills and buy food.

Cash advances are good for when you need a quick fix to something like repairing your car when it breaks down. Generally it is not a good idea to take out these types of loans unless you are in a real emergency because they have pretty high interest rates. Also, you should not take out these loans unless you are sure you can pay it back.

Monday, May 2, 2011

Online Dating Sites for Senior Citizens

My father has been single for many years after my mom died. He was pretty lonely most of the time and never seemed to want to do anything. I figured the only way that he could get his life back on track was if he met someone else to share his time with. I encouraged him to go out and meet some people. I suggested he try the local senior center. He gave it a try but did not seem to meet anyone that he was interested in.

I finally suggested that he try looking for dating sites for senior citizens online. I think by going online through these dating websites, he could home in on the qualities that he really wants in a woman. It would allow him to meet women faster and also he could meet more women too. After doing some research I found several websites that cater to senior citizens.

The number one online dating service for seniors that I found was Senior Friend Finder. This network was the most frequented of all the other dating sites. In fact it has about 400K members all over the world. You can actually browse some of the profiles before signing up. Membership fees for the site were not very high either. There are different membership types with different fees for each but they do not amount to over $40 per month.

Another dating site that I found was SeniorMatch. This website was designed pretty nicely and looked attractive. You have the standard features such as instant messaging, emailing, and posting on forums that is found on Senior Friend Finder. The user base on this site is pretty small though. They only have about 25K members. It seems like it would be kind of hard to find someone on this site.

I also saw some other sites like AgeMatch which boasts a lot of features mentioned above. After much consideration, my dad finally decided to join Senior Friend Finder because it had such a large membership and it would be easier to find someone there. After using it for about a week he has made a few friends there. I advised him to call some of these people before he decides to meet with them. It would be a good idea to really get to know someone before meeting. It seems like my dad has gotten happier after joining the site and I am happy that he is happy.