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Here is a story about Sue. Sue is an innovative thinker. She has not always been, though. Sue found her innovative genius one day and has never let it go because of what it has done for her in her life.

Sue is an average woman. She has no extraordinary talents. She is not a genius. In fact, Sue never even went to college. What makes Sue different is that Sue is a great innovative thinker.

The company Sue works is for a big name company that usually only hires in the best of the best. Her co-workers all have degrees from top universities. They were valedictorians and honor students. Sue does not feel out of place, though, because she knows she often produces work that they could only dream of producing. That is all because of her innovative thinking.

Sue was not born an innovative thinker. She had to work at it. It took her many years to perfect the art of innovative thinking. She had to do many exercises and had many failures.

Sue would spend a lot of her free time free writing and brainstorming. She also started to look at the world around her. She started to question everything. She started to look at everyday things and wonder how she could make them better.

One day she had a break through and came up with an idea that changed her life forever. Sue invented a product that became very popular. She was recognized on national television and she started getting phone calls form various companies who wanted her on their team.

Sue ended up at her current job and she has never been happier. Her innovative thinking has led her to a life she could only dream of before.

Innovative thinking is amazing. It can work wonders in your life. All it takes is just getting started. You can make it work for you. You can build upon your innovative ideas and create something wonderful. You can use innovative thinking to make you stand out from the crowd.

Be like Sue and make your own future. Go out there and create, imagine and invent. Use innovative thinking to guide you to the future you have only dreamed about.

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The most high paying niches in bidvertiser at the moment are anything to do with finance, but mostly credit and credit cards, lawyers and insurance.

So I suggest you stick with one of these 3 sections at first and then you can open and explore other niches but I made money on these 3 sections mainly.

Which type of advert to use on your website – how to increase the click through rate on your website.

What is the best place to put your advert on your blog to attract best CTR?

At the beginning of your blog, above the fold like my blog, and to a certain extent you can also put another advert below the article as many people finish reading the article and then click somewhere.

Do not put a huge amount of adverts on your website, a maximum of 2 blocks is enough. Perhaps one at the beginning and one at the end.

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The advice often given to young couples starting off in life is “Not to buy what you cannot afford”. The same basic advice should be heeded by many. If you cannot afford it - then do not buy the item. But what of investing in your own future in terms of an investment in your personal education or training as well as investments in your own personal career. Is this not getting ahead in life? Is this not money well spent? Even if you have to borrow and go into debt is this not money well spent?

If at the end of the day , year or decade you will be much further ahead in position , salary as well as benefits in addition to “job” and “personal” satisfaction is this not money, time and effort well spent and allocated. ? Indeed it is and can well be.

In the case of your education a dollar borrowed now will result in better jobs- that you will most likely find more challenging and enjoyable , and have a lot more financial reward than a job on the status scale – say as a bus driver or a technician doing oil jobs at your local Wal-Mart. In the case of a vehicle or car loan it may be a godsend. If your vehicle is not reliable – then how can you show up on time, keep your job without an image and reputation of reliability? Not only do you want to keep your employment and income associated with the job but also the job references from your employment superiors for use with other employers for better positions and pay, or for promotion within your present organization.

You may even run into a case of promotion within your present firm to another branch office or plant. Not having reliable transport may limit your promotion offerings and flexibility. In addition, if you take out a loan to purchase that vehicle, you may well have upscaled and upgraded your car or SUV, from the models that you most likely would have purchased. By doing so, and driving a higher grade auto model, you may well appear as a more established, senior, more experienced and established employee as well as individual. Fortunately or unfortunately in life most comes down to appearances and perceptions.

There may be a much better and / or better paying job but its way across town, or in an area not served by the bus transit system. Or it may be the case that there is bus service - but if devours a good two to three hours a day of travel time. Good bye to your personal social life. You may have all the money in the world – the wealth of Bill Gates Himself and yet no time or energy to enjoy it. So much for all that pay of that new wonderful job. A real step foreword as they say. It is always a case of reward versus cost or cost versus benefit. It is a case by case analysis.

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CHAPTER ELEVEN How to get credit card of your choice.

It’s very easy to get a new major credit card of your choice these days. The most important thing has always been the state of your credit rating. Since your credit will be rated on your relationship with lending companies and banks, it’s very possible for you to improve or even build up your credit ratings with banks.

If you make sure that once you get loan you always make payments by the agreed time, sooner, you can move to another credit procurement program like getting Visa or Master card from all major banks you’ve borrowed from. These will be possible for you because they already know more about your credit rating.

As a matter of fact they have record of your transactions with them. Once you are able to get card from these banks you’ve been dealing with before, it will be easy for you to get credit card from any other banks that provides same service.

What most people that are dying to get new credit cards don’t know is that most of these banks are also looking for new customers. They are always ready to do everything legitimate to get you because they know they will profit from you. That is why most of them offer preferential interest rate. Providing that you have kept to your repayment agreements on all loans and cards, there is no reason why you should be refused any cards for which you apply.

Once you’ve achieve good credit rating, credit card companies, banks, and other lending companies will see you as a good risk. Thus, you will find it easy to get card from them anytime. Also you will be surprise at series of offers you will be getting from several other credit card companies that will also want you to have card from them.

They will trust you because they must have got every detail of your credit rating from your former bank. That exactly is the main reason why building your credit rating from scratch is very important.

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Chapter 6: Pets- What to do?

One of the difficulties with moving to another country is deciding what to do with the family pet. For some there may not be a choice as different countries have different regulations in regards to animals.

Contact your representative embassy in your intended destination in order to obtain any regulations that might exist. Any country allowing the importation of a pet will require a detailed health certificate and an import permit.

Before making a decision on what to do with your pet, consider its needs and what would be best for it. Will the animal be able to withstand travel? How old and healthy is your animal? How will the animal cope with an extensive stay in quarantine in your intended destination? Remember moving can be just as stressful for the animal as it is for you.

In the event that you do decide to take your pet with you ensure you have a thorough vet check up in which you confirm that all relevant vaccinations and immunisations are completed and up to date. During this time ask your vet to provide you with the required health certificate.

Before leaving the country ensure you provide your pet with appropriate identification including your name and contact details. To avoid problems upon arrival at your intended destination, contact the customs vet to inform them of the date and time of arrival and any other information relevant to your pet. Your chosen airline should be able to provide you with contact details for the vet.

During transportation your pet will be contained within its own carrier. Upon arrival to your destination a period of quarantine is generally required and often ranges from one month to one year.