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    Optimizing Your Direct Mail Campaigns

    Cheating is bad, period. It brings nothing but paid, shame, sorrow, sadness, disappointment, unwanted pregnancy, and (quite a number of times) sexually transmitted diseases (examples include but are not limited to, the following; AIDS, HIV, Syphilis, Staphylococcus, Gonorrhea, Hepatitis, and a host of others).

    Money owed accounts for 30 percent of your score. Debt-to-credit ratio is ascertained by adding all current outstanding debt bal-ances and dividing that by the available credit. The FICO system doesn't like you being maxed out. The FICO system wants you to owe less than 50 percent of your available credit - on each card.

    With the economy as it is now, businesses in trouble come to us and try to sell for $200,000 and then they get into even more trouble and sell for $20,000. That's when the minimum fees become hard to deal with.

    If your business sale is going to have a time pressure element - for example your lease ends this month or you are very ill - if you don't have three months to sell your business you probably don't have time to use a business broker.

    If things are less than a million dollars, maybe it's more like 12 15 of 50. And then if it's less than $100,000 you're going to have some sort of minimum fee.

    Find out whether you are at a healthy weight, overweight or obese. This is very important. If you are already at a healthy weight, then you just need to maintain it. To find out, you should use Body Mass Index (BMI). It measures your weight in relation to your height.

    In spite of the rising cost of everything, postcard marketing is still extremely affordable and remains an effective direct marketing tactic that is easily incorporated into your business marketing mix. Here are five tips for effective postcard marketing.

    Worn spark plugs - A vehicle can have either four, six or eight spark plugs, which fire as many as 3 million times every 1,000 miles, resulting in a lot of heat and electrical and chemical erosion. A dirty spark plus causes misfiring, which wastes fuel. Spark plugs need to be replaced regularly.

    Plan your menus according to the season. Piping hot soup will not be welcomed if served on a hot summer night, but it would be a nice addition to a meal in cold days.