WARNING !!

This site contains language of truth about making money online, told in no-nonsense fashion that may not be suitable for anyone who is under the age of 18, or anyone who has frequently been referred to by others as a “sissy”, a “crybaby” or a “loser”.

If U are any of the above, leave this site now by clicking on the appropriate button below..

However, if U are open-minded and interested in potentially making enough money to change your pathetic life, enter your name and email below to gain access to my infamous website. Many of those who have come before U are now living the life U dream of. Will U be next??! I doubt it… But maybe U’ll be one of the few who proves me wrong.

Conference Call Services

Audio Reservationless conferencing

With conference calling service, you have access to your own private conference room – anytime and from anywhere. No more pre-scheduling of a call or having to talk to an operator. Begin a call immediately with no prior planning. To start a conference, simply dial your toll or toll-free phone number that you were assigned when you signed up and then enter your participant entry code. You will be connected to the call and join the other participants.

Web Conferencing

Web conferencing platform allows you to combine provider audio service to provide a seamless online web conference. We provide a simple application for you to share a PowerPoint presentation or you can share documents with participants. You can also choose to use just the web service without provider audio.

Operator Assisted Conferencing

If you call requires a live, professional introduction Operators are here to help. Provider can make introductions to your participants, monitor your call to help with question and answer sessions and set up back door lines with the chairperson to be available to help answer any questions that may arise during the call.

Large Event/Quarterly Earnings Release Calls

Provider handle many of the Fortune 500 companies’ earnings calls. Operators are specifically trained on these various types of corporate calls. We are prepared to handle any size call that you need customized.

For more information on these types of calls please contact us at 1-866-271-5612 or click here to fill out your request form.

Affordable Conference Calls

Practical, Affordable Web ConferencingEasy-to-use and quick to implement, Affordable Conference Calls (ACC) Web Conferencing is designed for everyday use by people of all skill levels. Widely deployed by Service Providers, Equipment Vendors and Enterprises, Our web conferencing works as a standalone service or can be combined with our Audio service to create a more comprehensive communication solution.

High value, Low-Cost - ACC

Web Conferencing delivers the features you want – presentation/document sharing, application sharing, polling and chat. There are no cumbersome downloads and advanced planning is not required. The web conferencing service is accessible anytime, anywhere from any computer with an Internet connection.

Different Plans for Different Needs - ACC

Provides several meeting plans, including Per Minute Usage and Unlimited Meeting Rooms. You can choose the plan(s) that represent the best price/value combination for your needs. Click here for rate plans.

Stretch Your Sales and Marketing Resources Further - ACC

Web Conferencing provides you with a cost-effective selling solution for delivering top quality marketing webinars and product demos with nothing to download. Our flexible web and voice conferencing solutions enable you to reach more prospects, accelerate the sales cycles and close more business faster. Affordable Conference Calls provides your sales team with a powerful, practical and affordable way to use web conferencing to meet with prospects, deliver interactive presentations, demo new products, share applications, and more ...all from your desktop.

Web Conferencing Features

A High impact productivity tool, ACC delivers the features necessary for a successful online meeting and can be readily used by people of all skill levels.

How It Works

You conduct your conference calls without making a reservation or using an operator. Inform everyone that you want to join the call of the time to call in, along with the phone number and participant entry code. (This is given to you on your confirmation card). All of the participants dial that telephone number, enter the entry code and then they are automatically entered into the conference call. The call will begin when the chairperson (the person hosting the call) enters the conference call. There are no labor expenses involved, saving you both time and money.

Getting Started
Simply logon to provider website and go to the Sign Up/New User section. You will be asked to enter your contact information and select the type of credit card you will be using for payment. Immediately after you enter this information we will send you a confirmation page to your email address listing your conference call phone number and entry codes.
Attached to the confirmation email will be instructions to all of the available features you can use with AffordableConferenceCalls.com.

How to Use the Service
Invite your participants to the call and give them the phone number and participant entry code that has been assigned to your account.
All Callers call in using the same number.
All Participants use the same participant entry code.
These codes are permanent and will not change.
Conferencing service is available 24 hours a day, 7 days a week and does not require any scheduling or operator intervention.
You will not need to make any phone calls to setup your call.
The chairperson’s entry code is the key that unlocks the call so unless the leader is present, participants cannot speak amongst themselves. This is a built-in security feature.
The chairperson’s entry code is to be used only by the chairperson and therefore should be not be given out. The chairperson’s entry code activates the call.
We recommend the chairperson dial into the conference call a few minutes prior to beginning the call in order to moderate the call and eliminate any possible confusion.
All you have to do is invite the participants to your call, let them know the date, time, phone number and their participant entry code to access the conference call.

Online Loans

An online loan might sound like a convenient way to manage your money, or you might be a bit confused and worried about the processes involved.

The benefits of online loans
Lenders who do not have branches and only offer online loans are generally cheaper than high street banks and building societies. This is because they have fewer overheads and can pass their savings directly to their customers. Some high street banks also offer online loans, which work in the same way. You might benefit from a deal that offers a lower interest rate if you pay your instalments by direct debit and receive statements by email rather than post.
If you have access to the Internet, online loans can be a lot more convenient as well as being cheaper. You can make transactions and pay your bills from home or work, and you can phone the bank if you have any problems. Online loans are completely safe, as long as you don't reveal your passwords or PINs to anyone, including bank staff. When you log on to your account, make sure the website address begins with 'https:' – this means you are entering a secure site.

Encyclopedia

A conference call is a telephone call where the calling party wants to have more than one called party listen in to the audio portion of the call. The conference call may be designed to allow the called party to also talk during the call, or the call may be set up so that the called party merely listens into the call but cannot speak. It is often referred to as an ATC (Audio Tele-Conference).

Some conference calls are set up where the calling party calls the other participants and adds them to the call, and in some cases the other participants call into the conference call, either by dialing into a "conference bridge", a specialized type of telephone that answers multiple calls, or by using a special telephone number set up for that purpose.

Three-way calling is available as an option (usually at an extra charge) for most customers to allow them to add a second, outgoing, call to a call already connected at their number.

Usage

Internet
In the past, conference calls could be made through a telecommunication company who offered this service for a fee. Today, conference calls could be hosted using the internet and thus save costs on a phone bill. There is also a possibility video conferencing where you can use a video camera to sell a product, perform a product demonstration or even conduct a seminar.

Business
Conference calls are used by nearly all United States public corporations to report their quarterly results, usually also allowing questions from stock analysts. These are called earnings calls. The format of the call begins with a disclaimer stating that anything said on the call may be a forward looking statement, and results may vary significantly. The CEO or CFO, or the Investor Relations officer then will read a report on how the company did that quarter. Finally the call will be usually opened up for questions from analysts.

Party line
Conference calls can be used for entertainment or for social purposes, such as the party line. People call in to a specified telephone number which allows them to talk to others, serving as a way to talk to and perhaps subsequently meet new people. Conference calls are most commonly used by businesses.

Is a home equity credit line for you?

If you need to borrow money, home equity lines may be one useful source of credit. Initially at least, they may provide you with large amounts of cash at relatively low interest rates. And they may provide you with certain tax advantages unavailable with other kinds of loans. (Check with your tax adviser for details.)

At the same time, home equity lines of credit require you to use your home as collateral for the loan. This may put your home at risk if you are late or cannot make your monthly payments. Those loans with a large final (balloon) payment may lead you to borrow more money to pay off this debt, or they may put your home in jeopardy if you cannot qualify for refinancing. And, if you sell your home, most plans require you to pay off your credit line at that time. In addition, because home equity loans give you relatively easy access to cash, you might find you borrow money more freely.

Remember too, there are other ways to borrow money from a lending institution. For example, you may want to explore second mortgage installment loans. Although these plans also place an additional mortgage on your home, second mortgage money usually is loaned in a lump sum, rather than in a series of advances made available by writing checks on an account. Also, second mortgages usually have fixed interest rates and fixed payment amounts. You also may want to explore borrowing from credit lines that do not use your home as collateral. These are available with your credit cards or with unsecured credit lines that let you write checks as you need the money. In addition, you may want to ask about loans for specific items, such as cars or tuition.

Billing Information

Per Minute Pricing Plans

AffordbleConferenceCalls.com will email you a call summary within 24 hours of your completed conference call. This will show you details of the call and all applicable charges. our credit card payment will be processed following the end of your conference call. Providers ussualy accepts MasterCard, Visa, Discover and American Express.

Flat rate Unlimited and Monthly Plans

The monthly and flat rate pricing plans will be billed automatically to the credit card designated during the registration process at the start of the subscription period and at the start of each renewal period, unless you terminate your subscription before the relevant period begins.For additional questions about our billing please review our terms and conditions page.

What is Micro Credit?

Microcredit is the extension of very small loans to unemployed, poor entrepreneurs and others living in poverty who are not bankable. These individuals lack collateral, steady employment and a verifiable credit history and therefore cannot meet even the most minimum qualifications to gain access to traditional credit. Microcredit is a part of microfinance, which is the provision of financial services to the very poor; apart from loans, it includes savings, microinsurance and other financial innovations.

Micro credit is a scheme for low income especially for unemployed youth who do not have any source of income and want to generate their income.Microcredit is a financial innovation which originated in developing countries where it has successfully enabled extremely impoverished people (mostly women) to engage in self-employment projects that allow them to generate an income and, in many cases, begin to build wealth and exit poverty.

Due to the success of microcredit, many in the traditional banking industry have begun to realize that these microcredit borrowers should more correctly be categorized as pre-bankable; thus, microcredit is increasingly gaining credibility in the mainstream finance industry and many traditional large finance organizations are contemplating microcredit projects as a source of future growth. Although almost everyone in larger development organizations discounted the likelihood of success of microcredit when it was begun in its modern incarnation as pilot projects with ACCION and Muhammad Yunus in the mid-1970s, the United Nations declared 2005 the International Year of Microcredit.

Which type of credit card is right for me?

There are many different types of credit cards to choose from including low interest, balance transfer, instant approval, reward, airline, corporate, prepaid, and even student credit cards. When determining what is the Best Credit Card Offer for you, there are many factors to consider. When you compare credit card offers you should consider all of the different rates associated with each offer including the APR(Annual Percentage Rate), the Annual Fee if there is one as well as other cardholder benefits.

Low interest credit cards have either a low APR or a low introductory APR. A low interest rate credit card can be a good choice for the individual who tends to either leave an outstanding balance on their credit card or tends to pay their bills late. Low interest credit cards can help save you money by reducing your interest and finance charges.

People who tend to carry an outstanding balance on a credit card with a high interest rate might also benefit by applying for a low interest credit card for balance tranfers. With balance transfer credit cards, you can transfer a balance from an existing high interest credit card to a low 0% APR interest rate credit card which can also help save you money on finance charges.
Reward credit cards will 'reward' you for making purchases with their card. These credit cards usually offer reward programs or cash back incentives for purchases made with their card. With airline credit cards you can even earn frequent flyer miles and free airline tickets.
Corporate credit cards offer many cardholder benefits including detailed credit card expense reports as well as travel reward programs.

Credit cards for college students are an excellent way for a young adult to start establishing a good credit history. With a student credit card a college student can begin establishing their credit history while still in school.

Most of the credit cards mentioned so far require you to have good credit in order to be approved, but if you have less than perfect credit, you might want to consider searching the credit cards for people with bad credit. A bad credit credit card can help you re-establish your credit.

These are just a few of the different types of credit cards available and as you can see there are many different types of credit card offers to choose from. You can start looking for the best credit card!
Looking for credit card aplication no credit card applications for the credit card aplication no credit can really be time consuming and confusing. With all the credit card applications available for you to choose from, it can really be tough for you to decide which are actually the credit card aplication no credit There really just one card that is the credit card aplication no credit for everyone. That is why there are so many offers available, because everyone is different and has different spending habits.

If you are a person who tends to carry a large balance every month, the credit card aplication no credit are the that offer a low interest rate. The savings from the low interest rate will be the best feature of that particular card for you.
If you pay your balance in full every month, the best credit card aplication no credit for you would be rewards credit card aplication no credit. A low interest rate will not be of any benefit to you because when you pay your balance in full you will pay little or no interest. The benefits offered by rewards credit card aplication no credit would be best for you. You can enjoy rewards such as cash back, airline and many other rewards. Do you have less than perfect ? If so, the best credit card aplication no credit for you would be secured credit card aplication no credit designed to help you re-establish your credit card aplication no credit.

An Explanation of Credit Cards

Credit cards are an extremely useful way of paying for products and services. They are often more convenient than cash or checks, and they are almost universally accepted (including over the phone). Additionally, they are a great way for you to establish your creditworthiness. And some cards offer additional benefits, such as rebates, frequent flier miles, and insurance.

But credit cards are a mixed blessing. They can encourage excessive spending (which often results in serious financial pain for those who carry balances). Also, the interest starts accumulating immediately for new purchases on credit cards with balances. Additionally, unlike most loans, credit card debt doesn't have a required repayment schedule, which can be a temptation to pay only the minimum amount required and never pay off the full amount owed.

The system is designed this way; credit card companies make most of their profits from cardholders who pay just the minimum amount required, since they charge exorbitantly high interest rates on the money owed. We recommend credit cards only for those who intend to pay off the balance each month.

Let's face it: It can take just a few months to get into financial trouble and years to get out. Those who don't pay off the entire balance every month get penalized in two ways: they continuously pay interest on the outstanding balance, plus they pay interest immediately on any new purchases (as opposed to those who pay the balance each month, who are extended a grace period during which no interest is charged). Although debt is sometimes useful, there is a difference between good debt (a home, car, education, etc.) and bad debt (money borrowed with no specific plan of repayment, such as with credit cards, debt consolidation or overspending in all areas of a budget). Even though debt is a part of life, the key to preventing it from becoming destructive is knowing the benefits and hazards of using credit.

What are some specific things you can do to improve your credit?

• Try to pay your bills consistently and on time. This can be made easier by creating a budget and sticking with it .
• 
  Try to reduce the amount you owe, and avoid using credit whenever possible. Consider a secured credit card instead.
• 
  See if there are any open lines of credit on your credit report that you no longer need, such as credit cards that you don't use anymore. A large amount of this type of "potential debt" can scare away other lenders.
• 
  Stay on your best behavior for seven years. That's when most negative information, such as late payments, accounts that your lender turned over to a collection agency, and court judgments against you, are removed from your credit report. (There are a few exceptions to this seven-year rule; for example, bankruptcy information remains on the report for ten years.) Your good behavior will pay off even before the seven years have passed, because more recent information is factored in more heavily than earlier information. On the plus side, positive information, such as a history of paying back debts on time, stays on your credit report forever.

What are homeowner loans?

keWhat is a homeowner loan?
If you own your home, there is an additional loan option available to you. In addition to personal loans, there are also loans that are secured against your home. Because your home is used as security for repayment, these secured loans are also commonly referred to as homeowner loans.
Although different types of security are used for different loans in the consumer loans market place, in the majority of cases secured loans refer to loans where the loan is secured against your home. It is for this reason that the terms secured and homeowner loans mean one and the same thing.

What are the advantages of a homeowner loan?
By using your home as security against the loan you may be able to borrow more money than you could with a personal loan. Personal loans usually cater for loans of up to £25,000 while homeowner or secured loans are required for larger amounts. Having the security of the value of your home also means that lenders can rely on something other than just personal credit history to determine whether you will repay your loan. This means that people who are self employed or have experienced a bad credit history in the past will often still be considered.

Is my home at risk?
Yes. If you default on your re-payment you could lose your home. So, think very seriously before taking out a homeowner loan.

What should you consider?
Will I still be able to cover the repayments if I am going through a rough time financially?
Is the purpose of the loan worth risking the loss of my home for?
If the loan is being used to consolidate existing debt, have you made the necessary plans to ensure that all avenues of the existing debt are controlled to prevent a similar situation from arising again?

Home Equity Credit Lines

Using a credit line to borrow against the equity in your home has become a popular source of consumer credit. And lenders are offering these home equity credit lines in a variety of ways. You will find most loans come with variable interest rates, some come with attractive low introductory rates, and a few come with fixed rates.

You also may find most loans have large one-time upfront fees, others have closing costs, and some have continuing costs, such as annual fees. You can find loans with large balloon payments at the end of the loan, and others with no balloons but with higher monthly payments.

No one loan is right for every homeowner. The challenge, then, is to contact different lenders, compare options, and select the home equity credit line best tailored to your needs. Be sure to review the home equity contract carefully before you sign it. Do not hesitate to ask questions about the terms and conditions of your financing

How much money can you borrow on a home equity credit line?

Depending on your creditworthiness (your income, credit rating, etc.) and the amount of your outstanding debt, home equity lenders may let you borrow up to 85% of the appraised value of your home minus the amount you still owe on your first mortgage. Ask the lender about the length of the home equity loan, whether there is a minimum withdrawal requirement when you open your account, and whether there are minimum or maximum withdrawal requirements after your account is opened. Inquire how you gain access to your credit line -- with checks, credit cards, or both.

Also, find out if your home equity plan sets a fixed time -- a draw period -- when you can make withdrawals from your account. Once the draw period expires, you may be able to renew your credit line. If you cannot, you will not be permitted to borrow additional funds. Also, in some plans, you may have to pay your full outstanding balance. In others, you may be able to repay the balance over a fixed time.

Life Insurance

There is an adage within the life insurance industry that “life insurance is sold, not bought”; reflecting the fact that many people are both unwilling to contemplate their own mortality and pay the premiums which protect against its impact.

Yet, life insurance constitutes a fundamental part of any financial planning strategy because it protects your family against the risk of premature death and the sometime catastrophic financial consequences. Arguably, you should have plans in place both to protect your life (and that of your spouse) and your income, before you move onto considering investments. Expatriation, together with marriage and having children, should be one of those junctures at which you consider whether you have adequate cover, and indeed whether your existing cover applies if you are non-resident.

It is not possible to provide a simple guide as to how much life insurance you should have – it will vary widely depending upon your personal circumstances such as age, gender, family and existing net assets. You might hear some commentators suggesting a sum equivalent to between 5 and 8 times your annual income but this should really be the subject of a discussion between you and a professional advisor. You also need to consider the insurance protection afforded spouses and whether you should consider critical illness cover – since the financial impact of a prolonged illness can actually be more dramatic than a premature death.

If you are on an employment contract overseas, then the amount and breadth of insurance cover is an unexciting but nonetheless important aspect of your salary package. Employers have an increasing tendency to provide money in lieu of services to expatriates where it is tax effective. However, this is one situation where employers will normally be able to source coverage much more easily and at considerably lower cost than individuals through a group scheme.