How Closing Accounts Can Kill Your Credit Score

One of the major factors of how your credit score is calculated is your capacity. This is the ratio of credit used to the amount of credit that is available. This accounts for 30 percent (almost a third!) of your credit score. For example if you have 5 credit cards with a $1000 limit and you have 3 of them maxed out and 2 of them inactive your capacity would be at 60 percent, $3000 of your $5000 total credit limit. This is not good in the eyes of the lenders and your credit score would suffer because its ideal to be at 10 percent of your capacity.

Remember a credit score is a formula measuring your ability to pay back your debts and obligations. If you have a high capacity and little room left for your maximum then your ability to pay back your obligations is viewed as more limited.

So in the example above, lets say you decide to close the 2 inactive cards for whatever reason. Nowadays, the credit card companies will charge a fee to inactive cards so a lot of people are now closing their inactive accounts. Well unfortunately, they are killing their credit score. If you are maxed out on three cards and you close the other 2, guess what, you are now at 100 percent capacity because your total credit limit is now $3000 instead of $5000. I know from personal experience this will cause your credit score to plummet.

My advice? Don’t close your inactive cards. Use them once a month, maybe for gas, or treat yourself to a latte from Starbucks. Then pay them off immediately so you don’t incur any interest. Do what you can to pay off the cards that are maxed out, or at least get them down to where your balance is under 10 percent of the limit. If you can, try to transfer the balance to a lower interest card, so it can save you a few bucks on the interest. This strategy is sure to improve your credit score because capacity is a major factor, and if your capacity improves, your score improves.

Asking your bank for a credit limit increase on some of your cards isn’t suggested nowadays, this is a strategy that old credit repair people recommended but in today’s economy with the credit crunch, it prompts an account review, which for some quirky reason, may cause the banks to LOWER your credit limit. This would damage your capacity as well.

You are already disciplined enough to not spend on two cards. You are unique in today’s credit crunch world, use your discipline to your advantage, don’t close your accounts. You will be doing more harm to your credit score than good.

An Overview Of The Benefits Of Transcutaneous Electrical Nerve Stimulation

The acronym for Transcutaneous Electrical Nerve Stimulation is TENS. This is a pain relief method that involves a device that transmits electrical impulses via electrodes on the skin to a specific area of ​​the body that is painful. It is useful for the relief of acute and chronic pain. Electric stimulation for pain management goes back to the Ancient Greeks and, more recently, Benjamin Franklin was a great proponent of the concept. However, the first patented modern machine made its debut during 1974 in the USA.

TENS has proved to be effective for many types of pain. It is commonly used during childbirth, after surgery, for bursitis, tension headaches, tendonitis, cancer, chronic wounds, arthritis, migraine headaches, injuries, and other painful conditions. Medical practitioners believe that the technique stimulates the body to produce endorphins which are natural painkillers. However, they do not claim that this therapy addresses the root cause of pain. Its primary use is to offer short-term relief while healing is occurring.

A TENS device enterprises of an electric unit that is connected to electrodes. These are attached to the skin near the targeted area. When the device is switched on, a low-voltage current is delivered into the body. During therapy, the patient will feel a warm, tingling sensation.

A session usually lasts between 5 and 15 minutes. Treatment may take place as often as necessary according to the severity of the pain. TENS can best be described as an electrical massage. It is widely used by physiotherapists, massage therapists, and chiropractors. Portable systems are available so that patients can apply the therapy at home.

In the USA, there are over 100 different types of portable TENS machines which have received approval from the Food and Drug Administration. However, the public may not use them unless authorized by a medical practitioner. Some units deliver the electrical impulses via acupuncture needles. This method has to be performed by a qualified health care practitioner.

Research indicates that TENS therapy has shown some efficiencies with cancer patients, especially those who have neuropathic pain which is related to nerve or tissue damage. In such cases, TENS works best when combined with medication. It has shown to be particularly helpful to relieve painful bones and muscles after major surgical procedures.

Patients who are allergic to adhesives may react adversely to the electrode pads. This therapy is not suitable for patients who have heart problems. Also, it should not be administrated to people with implanted defibrillators, pacemakers, infusion pumps, or any other internal device that may malfunction due to the electrical current. If a woman suspects she may be pregnant, she should advise the practitioner because the effects on an unborn fetus are not yet known.

Transcutaneous Electrical Nerve Stimulation is otherwise considered to be safe. Anyone applying the treatment at home should take care that the current is not too intense because it may irritate or burn the skin. Never place the electrodes near the throat, brain, heart, or over the eyes. Always ensure that you know how to operate the device correctly and that you have received instruction from a professional practitioner.

Image Optimization for SEO – Best Practices

Quality content is the key to SEO success. Content doesn’t just mean your text contents. Images must be an integral part of your content strategy. At times, single images can be far more effective than your 1000 word blog post. It also helps you improve blog post quality and performance.

Images, Infographics, Videos and all other multimedia contents on your web page will help you in increasing the user engagement on your site and makes the visitors stay on your site for longer duration which helps in reducing the bounce rate.

Not just adding images to your contents, you should also optimize those images for better SEO performance. Optimization of images must be the one important aspect of your on-page SEO process.

If you are using images in your content, there are many aspects to be considered related to SEO.

Relevancy

Using images doesn’t mean that you should fill up your content with loads of pictures. You should use it only when it is required and also you should use images that are more relevant to your content.

Placement of your images is an another important aspect. It should be placed at a relevant location in your content according to your text content.

Use original images

Originality always helps in improving your user experience and your authority. Usage of original images will be helpful in improving your SEO performance. You can create original images with a graphic designer or you can take your own photographs with a quality camera. It is the reason top White hat SEO companies employ talented graphic designers for creating quality images.

If you are not able to employ an in-house graphic designer or if you are running out of time, you can always use high quality images from the web. But the important factor to be considered is it should be copyright free.

There are many tools available for getting copyright free images without any cost. The most popular ones are Unsplash, Flicker, Freeimages.

Image Size

Images are the main source for damping your site’s speed. And site speed is a crucial factor in your SEO performance. So, you should be extra cautious in using images without compromising your page speed.

It should not also affect your image quality, you should have a correct balance between. You can achieve this by reducing the file size by compression. You can use tools like Photoshop for compression.

File name

Search engine crawlers are visually impaired, it can even interrupt a 5000 word text content, but it cannot interrupt a single image and what the image is about. It is the reason using a keyword rich file names for your images is an important aspect in image optimization.

Google bots and other search engine crawlers can read your image’s file name and if it is named with your target keyword, it gives a signal to search engines about the image topic and thus helps your SEO performance.

For example, if your image is related to selling sports shoes, rather than using the file name as “IMG_89868″ you can use it as “Black_Tennis_Shoes”.

Alt text

Similar to the file name, search engines can read Alt text of the images. Alt text is known as “Aleternative Text”, is an HTML attribute used to describe the content of images.

You should use Alt text which is relevant to your images and it should be clear and descriptive. You can use your target keywords in the Alt text but be cautious about Keyword stuffing.

If you are not focusing on Image optimization, you are missing a huge opportunity in improving your SEO performance. You can use above mentioned best practices in your on-page optimization process.

7 Search Engine Optimization Mistakes and Solutions

To many websites, webmasters discover that major sources of website traffic come from search engines. Therefore, they are

all keen on gaining top search engine placements through search engine optimization.

Based on our several years of SEO experience, we point out some common mistakes and shed some lights to correct it.

1. Cannot Get Indexed by Search Engines, Really?

A garment ERP software solution provider came to me and asked a question: “I have established a new website for 1 year, and found a SEO company to submit my website. However, my website can be found in search engines only when I type my domain name http://www.indigo8-solutions.com in search query box. The SEO company told me

my domain got banned. What can I do?”

Ah, I told them they have been fooled by that SEO company. If you type your domain name in search box and your website can be found, which means your website has not been banned. Interestingly, your SEO company’s domain name is no longer found in Google. Their domain got banned only.

To help them find out their real problems, I found the following in search engines:

a. When typing their domain name in search query box, their site will be displayed in search result. Instead of displaying

Title Tag in the search result, search engine displays their domain name only.

b. Only 1 page is being indexed.

What’s the problem then?

With a closer look to their coding, I found that at the top of their webpage, they heavily use Javascript to present their

heading, company name, visible content, and website menu. Actually, many search engines have difficulties in reading Javascript codes.

Solution?

Put those Javascript in external js files and leave the webpages with plain HTML codes. Search engines usually have problems in crawling Javascript. Since their whole site navigation menu is written in Javascript, they should build a sitemap using plain HTML so that search engines can read all of their pages.

One more tips: When you cannot get indexed by search engines, do not blindly believe someone saying that your website get

banned. You should firstly look at your website structure and see if your coding are clumsy and make search engines hard to

“read” your website.

The problem created by Javascript is not uncommon nowadays. Even a very big Asia

Market Research Firm also commits this error. They are now starting to rectify it.

2. Link Building

In many forums, some people are strongly opposed to link exchange and claim that it is a devil and it hurts your search

engine ranking and even get you banned.

I personally do not agree. Evidence shows that many top sites are doing link exchange and getting top rankings across all

major search engines. In addition, link exchange has been a long used way for traffic building by smaller websites. I do

not see why search engines will block people to promote websites using this simple and long used method.

Indeed, link exchange becomes a problem only when you manipulate link text with a pure purpose of tricking search engines, exchange links with link farms, or buy hundreds of domain names and cross-link with your site.

A solution to avoid link exchange hurting you includes:

- Use a wide variety of link text

- Seek link exchange with sites of similar theme

- Emphasize on how many traffic you can get from your link partners instead of search engine ranking

Some webmasters know the importance of link exchange. However, they think that it consumes most of their time and finally give up doing it. A solution is that you can consider using Linkautomate.com to manage your links. This kind of software saves you time in link checking and link page update.

3. Use of Flash Intro

Web design companies try hard to persuade you to use a Flash introduction as your homepage. You think that “Wow! The flash

animation is very appealing and it makes your site looks more attractive”. However, do you know that it can hurt your website in search engine ranking?

Let me explain..

Search engines analyze website based on text. Flash, unluckily, is not text. According to “How to Design Website Guideline” of Siuchu Suga, search engines are not able to read content presented by

Flash. They just treat Flash as an embedded object or graphics only. If you use a Flash Intro as your homepage, you will never get good rankings.

In addition, many Flash intro do not offer additional and meaningful content to visitors. Ask your visitors, how many of

them are really interested in reading your Flash Intro before going straight to your website content?

A solution to use Flash or not, please ask yourself whether the Flash intro is really useful and can offer additional information to your visitors? Secondly, instead of a Flash homepage, you may consider making a Flash header together with

content at your homepage.

4. Hidden Text and Meta Tags

Webmasters understand that keyword density is a way to improve search engine ranking, and some webmasters use a technique

called “keyword stuffing”. They will stuff keywords into their webpages repeatedly, e.g. “keyword 1, keyword 2, …. keyword

1, keyword 2….” Well, everyone knows it does not make sense to visitors. Therefore, those “clever” webmasters will make

those text invisible. For example, make the text color identical to background color.

Unluckily, this trick no longer works. Search engines are able to detect it, and penalize websites using this nonsense technique. If you do not want your site being penalized, remove those text immediately in case you have adopted this method.

Okay, some webmasters only stuff keywords in Meta Keyword Tags, an area for putting keywords. I am sorry to say that stuffing keywords in Meta keyword tags is also no good. You can only repeat a keyword for 3 times at most. Nowadays, search engines place less emphasis or even no emphasis on Meta keyword tags. So, what is the point of risking yourself by stuffing keywords there?

5. Use of Dynamic Pages

Many websites use content management system (CMS) to generate their webpages. As generation of dynamic pages are easier for

website development, CMS generally use dynamic pages. However, search engines have difficulties to spider and understand them.

To solve the problem, you can consider using Mod Rewrite in case you use Apache server or finding a CMS that can generate

static HTML pages.

6. Be a Pagerank Monster

Many search engine marketers are too focused on their website’s pagerank. Everyday, they are talking and checking pagerank.

They perform link building based on pagerank only. In fact, pagerank is only one factor for Google to determine search

engine ranking. It also cannot affect your rankings in other search engines like Yahoo and MSN. If you are too concerned

about pagerank, you finally will ignore other important optimization criteria.

Therefore, you should repeatedly remind yourself that pagerank is only one of the many factors and you cannot only work on it.

7. Too Believe in Sandbox

Some webmasters propose that a new website will be put into sandbox by Google so that you cannot get any high rankings for

highly competitive keywords. Even though their website cannot get any rankings after 1 year, they still believe that it is

sandbox effect. Some even says Yahoo has Sandbox, MSN has Sandbox, etc…

From Google’s patent information, there is no clue that such sandbox occurs. From my experience, if your site is new and cannot rank high in highly competitive keywords, it is solely because other websites are more established in search engine

world. For example, they have more inbound links, more content, etc. Therefore, webmasters should not focus on finding how to get out from sandbox. Instead, you should put more effort in link building and content optimization. Eventually, you will see your website’s rankings rise.