The Truth About Paid Online Surveys - A Question and Answer Session

Written by Chris Ohlson

With thousands of people trying to find a way to make some extra money online everyday, paid online survey sites are popping up everywhere. With so many out there (some good, some – well, not so good) it’s hard to determine what to believe. In an attempt to clarifyrepparttar ins and outs, andrepparttar 113242 myths and realities of paid online surveys, I’ve composed a series of questions and answers to help you sort everything out. We’ll start withrepparttar 113243 basics and then get intorepparttar 113244 nitty gritty.

Question: Is this for real? Why would someone pay me to take online surveys? Answer: Yes, this is for real. There are literally hundreds of legitimate market research companies out there who offer incentives for your opinion. Companies have come to these firms to get public opinions on their products or services and are willing to pay them to find out what you think. They then pass some of that payment onto you.

Question: What arerepparttar 113245 surveys about? Answer: Just about anything that you can think of. You may be asked to review a movie trailer for a new movie, what kind of peanut butter you like, what restaurants you frequent, you name it. From barbeque grills to medical questions to appliances to what you had for dinner last night. There are sites for specific age groups, professions, hobbies and interests. The surveys are generally very interesting and these companies are looking for your opinion on how to shape their products.

Question: How does it work? Answer: Each company works a bit differently, but here arerepparttar 113246 basics of online surveys. You will sign-up for a paid survey site. You will enter some basic demographic information (age, gender, etc…), and when they have a survey available in which they are looking for someone who fits your profile, they will send you an invitation to take a survey. The invitation will usually contain a link directly torepparttar 113247 survey andrepparttar 113248 incentive they are offering for you to takerepparttar 113249 survey. Just click onrepparttar 113250 link and takerepparttar 113251 survey to qualify forrepparttar 113252 reward.

Question: What kinds of incentives are offered? Answer: The incentives vary for each site, but generallyrepparttar 113253 incentives takerepparttar 113254 following forms: cash, gift certificates (Amazon gift certificates beingrepparttar 113255 most popular), merchandise (DVDs, small appliances, electronic gadgets, cookware, etc…), and charity donations. Each survey site will offer one or several ofrepparttar 113256 above incentives for your participation in their surveys. Some will offer these straight out, for example “get paid $5.00 to take this survey”, some offer these inrepparttar 113257 form of a drawing and others have a point system in which accumulated points can be “cashed in” forrepparttar 113258 items above.

Question: Will you get spammed by signing up for paid survey sites? Answer: No, but you do have to be careful. There are some sites out there that are simply advertising firms posing as paid online survey sites. Here’s my advise on how to tellrepparttar 113259 difference. First, if they offer you a chance at a fantastic prize for signing up, such as a car or a boat, I would be a bit weary and do some more research before you sign-up. Second, ifrepparttar 113260 survey to sign-up forrepparttar 113261 site consists of a lot of questions as to whether or not you want more information on other products, walk away, you’re certain to get spammed. Just remember that a legitimate market research firm will not endorse a product or service, they are supposed to be unbiased. Third, readrepparttar 113262 privacy policy if you have any concerns. The majority ofrepparttar 113263 sites out there are legitimate and will only email you if there is a survey available or if there is important information they need to notify you of.

Bad Credit? Qualify Yourself For A Zero Down Mortgage Loan

Written by Nick Graziano

I decided to write this article today after closing a home purchase loan for a couple that had some major credit issues. They got intorepparttar house with ZERO down payment, and only had to bring $600 forrepparttar 113241 closing costs. Their situation was pretty bad, I’m talking about a bankruptcy 2 years ago, thousands of dollars in outstanding collections, charge-offs and debt to income ratio of 49%. Byrepparttar 113242 way, we left all of their outstanding charge-offs and collections open which means they didn’t have to pay any of them off! So many think they won't be able to qualify for a mortgage loan. Many will keep thinking they can't qualify until they read this article.

My name is Nick Graziano and I have been employed as a Loan Officer for 5 years. I have experience originating conventional mortgage loans as well as sub-prime (non-conventional) residential mortgage loans. Many ofrepparttar 113243 clients that I deal with have great credit (and know it) and have no problem getting a loan but then there are those with credit problems (and they know it too). The ones with great credit arerepparttar 113244 ones that are easy to close, getrepparttar 113245 best rates and all with minimal time involved onrepparttar 113246 part of myself.

But, this article is for those with credit problems, low income and those who cannot afford a down payment. I am going to show you how to qualify for a loan with ZERO down payment, andrepparttar 113247 only out of pocket expense will be less than $1,000 ( if any at all) to cover some ofrepparttar 113248 closing costs. This is just an example of one particular loan program that I use but there are numerous others out there. I picked this loan program because it allows 100% financing down to a 575 credit score

I see it on a daily basis.

Everyone wants to own a home and those with credit problems are calling every mortgage company inrepparttar 113249 phone book and applying on every mortgage website out there. (And there are many out there). Only to find out later that every time a mortgage company pulls their credit, their credit score dropped a few points, or thatrepparttar 113250 particular lender doesn’t originaterepparttar 113251 type of loan that you need. That is frustrating.

Step by Step

Here is where I show you how to qualify yourself for a zero down loan.

1.The first thing you need is your tri-merge credit score. I would be more that happy to suggest a few places onrepparttar 113252 internet that you could go to get your credit score but I don’t want this article to seem like an advertisement. So,repparttar 113253 best thing to do is to do a search on for terms like “free credit reports”, or “tri-merge credit report”. Just make sure that you end up pulling a “tri-merge” credit report on yourself. A tri-merged credit report pulls your credit profiles fromrepparttar 113254 3 major credit reporting companies and merges it into 1 report. The nice thing about pulling your credit yourself is that it will NOT affect your credit score. Bookmark this page while you go get a copy of your credit report and then come back to seerepparttar 113255 additional steps.

2.What is your credit score? Most mortgage lenders will userepparttar 113256 middle ofrepparttar 113257 three scores. Example: Your credit scores are 576, 525, 599. In this case you would userepparttar 113258 576 credit score since it is notrepparttar 113259 lowest score and it is notrepparttar 113260 highest.

3.Is your middle credit score at least 575? If so, congratulations and move on torepparttar 113261 next step. If your middle score is less than 575 you have some homework to do. You can either sign up with a credit repair company (“search for credit repair”) to try and remove some derogatory items on your credit which will raise your credit score OR you can try to acquire some credit to help re-establish your credit worthiness. The easiest way to re-establish your credit is by either getting a car loan or credit card designed to help re-establish your credit. Again search for “credit cards to re-establish credit”

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