Ramble Writing of R.D. Hayes

Banks and lenders use your credit score to calculate what interest rate they can give you. Your credit score affects your interest rate and your interest rate can impact your total cost of a loan. In order to secure the lowest interest rate you qualify for you should first check your credit score and then compare APRs (annual percentage rate) lenders advertise to find the lowest one available to you. When you apply for a loan always choose a lender and look at their interest rate, the amount you’re borrowing and how long it will take you to pay it off. When looking at the APR, always remember that it is the annual percentage rate you will be charged in addition to the amount you borrowed for the duration of the loan all lenders are required to show you the APR before you take out a loan, so you can compare different loan offers, and the APR is affected by your credit score. A higher credit score means that you will have a lower APR and, a lower credit score means a higher APR in which ...

Credit:R.D. Hayes What would you do if you woke up one day and discovered that all your hard work was gone? I can tell you from being an experienced writer that, putting it mild, sucks! I have had two different online accounts with two online companies that both shut down without much notice and all of my articles, my staying up until the crack of dawn articles, were gone and I wasn’t going to be getting them back. Let’s take a look at these two online sites and how they met their demise shall we? First there was Associated Content Associated Content was where I actually got my big break in online freelance writing. It is also where I met some of my coolest writing buddies, where I had my first rejection, and where I earned my first dollar from online writing. I loved Associated Content . I actually won the 2007 People’s Media Award for Best of AC content back when there wasn’t so many would-be writers. I began writing with them when they were first growing...

If you like being able to post to your Twitter, Facebook, or Google+ account and get paid for it, then you are going to want to read this review on this awesome paid to post site. I came upon  Social Spark  a while back, signed up, and then forgot about it. It wasn't because I didn't or couldn't make money from it; I just simply forgot about it. A couple of weeks ago, when I restarted my make money online adventure, I came upon this website again. I read the reviews and thought, why not. So here I am telling you about this website and why it is awesome. What do you do once you sign up You get to write post on sites like  Facebook  and  Twitter  after you have put in a bid and they accept it. How do you place a bid Bidding is easy, you go on there and click on the information, review that information, make sure that it fits into something that you do, then you place your bid with a little memo of why you would be best for the job. How often do you get paid T...

A person’s credit report is like a map of how they have been living their life, if they are worthy enough to be trusted by credit lenders, and how they have been living their lives with the credit that they already have. What is Your Credit Report                 Your credit report is a detailed record of your entire credit history. It contains your credit card history, loan history, places of employment, places in which you have lived, names that you have used, lenders that have denied you credit, and payment history. Your credit report is very important and can help you get a good APR, take out loans, or even make your monthly payment lower if your credit score is higher. Always remember that your credit report is very important and you should take advantage of the free yearly report that can be obtained online at anualcreditreport.com, which is the only website that is authorized by federal law that entitles y...

By:  Erin Kohlenberg  –  CC BY 2.0 Oh yes! Here is another question that a lot of my writer friends and would be writers are asking; can you make money on  iWriter ? The answer is yes and yes, if you try hard enough. I am always looking for new writing gigs to  supplement my income  and over the years, I have found that creating multiple streams of income is the way to do it. A little about iWriter: iWriter is a market place for writers and publishers to buy and sell articles. The website is set up on a simple interface but takes a little while to get use to. There are no flashy buttons on this site and no way to make yourself stand out other than your small little bio. How much can I earn from Iwriter as a freelance writer: This really depends. Starting out, you can only qualify to write certain aritlces and therefore you will only be getting paid a minimum of $1.63 for a 300 word article up to, from what I have seen so far, $7.00 for a 1,000 word art...

I wrote an article on how to make it as a single mom and I got a debate started over rather or not being a single mom was different from being a single dad. I would have to say that it is and I will tell you why I believe this.    When a child is born, it is often up to the mother to take care of the children but, a lot of fathers  are now stepping up and playing the mother role as well.    Here is what use to happen when a couple had a child:    The mother would stay home with the children   The mother would tend to the home   The father would work   The mother would continue to take care of the home even after the husband got off of work   The mother would continue to take care of the children even after the husband was off of work.    The chores were not split equally due to the men feeling that because they worked and made money, this should be left to the women.    What should happen when both parents work: ...

Every once in a while I come across a book that makes me think; it makes me ponder on all the things that I have done with my life and how I could make it better.  Life Lessons; Success principles & Lessons Learned from Linkedln's "If I Were 22": Crucial Career Advice, Personal Development, and Success Principles from Key Influencers is a book based off of what we wish we would have done with our lives and what we could do now to change it. This book leads off with quotes from important people in business such as, Jonathan Bush – CEO and co-founder of Athena health. It talks in a way that anyone can understand it; the struggles of life and how important that it may be for you to not follow in the same career path as your relatives or friends; finding your own career path, according to the author, is much more important since you will enjoy it and it can bring happiness into your life. It explains how money does not define you instead, you define your money. This book ...