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When Will The Credit Card Bubble Burst?

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In case you didn’t know, there is another bubble, growing massively in this country, getting ready to burst. Revolving consumer credit card debt continues to grow each month, finally breaking the $900 Billion dollar mark for the first time last June. The Federal Reserve reports that this year, Americans have piled on $39 Billion in new credit card debt. We refer to the looming crisis as the credit card tsunami. You better batten down the hatches!

For the month of August 2007, USA, consumers added another $6.2 Billion in new debt, on top of the $5.6 Billion they racked up in July. Overall, including everything except mortgages, Americans owe almost $ 2.5 TRILLION DOLLARS in debt! Now that the mortgage game is over, and all that easy money has been made, the next big thing the banks will milk for maximum growth and profits are the cards. Fees and penalties have been steadily increasing for years, as have average interest rates. Last year, the banks made over $100 Billion in interest & another $50 Billion in Fees & Penalties; these guys are not your friends.

Many people, who are being squeezed by the bursting housing bubble, are increasingly relying on their charge cards to live. Since the spigot to the home equity money has run dry, and their lifestyles are not changing, or circumstances like lost jobs or medical hardships cause them to continue to rely on charge cards, there is no end in sight to how much additional debt John Q. Public will take on. At some point, the dam has to burst, and a lot of people are going to drown.

Who knows how many people lived beyond their means during the last few years, extracting the temporary wealth in their real estate, only to spend it on luxuries like vacations, and lavish weddings in Tuscany? How many people transferred unsecured, charge card debt to their real estate, only to risk it to foreclosure if they miss a few payments? How about the people who thought the value of an already overpriced home would continue to increase, and took out teaser rate mortgages, hoping to refinance with the profit in a couple years, and are now stuck with a mortgage that has doubled, and no way to pay for it?

Now that the game is over, those people are turning to their charge cards to survive. People who were “hooked” by teaser rate mortgages, now find themselves unable to pay the “real” mortgage payment. Many are going into default on the mortgage, and keeping current on the credit cards. Some are using them like an ATM, maxing them out to their limit, as well as constantly applying for the barrage of new cards that grace their mailbox.

They are living in a fantasy land if they think the missed mortgage payments won’t hurt their credit. Give it a month or three, and when the credit cards see that you are missing mortgage payments, they jack up your interest rates to 25%+ and then you are, excuse my French, “screwed.” Most of your payment will be wasted on interest, and it could take 10-100 years to pay the debt off.

The card companies know people will do anything to stay current on cards, and that people need cash. Requirements to get a credit card are at there lowest in 10 years according to a Fed survey; if you have a pulse, you can get a credit card. They even give credit cards to peoples pets.

The junk mail credit card solicitations that grace your mailbox are driven to the post office in semi-trucks on pallets, and they are unloaded with forklifts. While the mailers are actually less than what was mailed out at their peak in 2005, the percentage of people responding to, and being accepted by the credit card companies, has risen steadily and has actually increased three times since 2005!

All this is a result of the shut down in taking equity out of your overpriced home. It was never sustainable, and I feel sorry for the people who bought at the peak, paying $600,000 plus for a 40 year old home that was not worth 1⁄4 of that price. To think the bubble could keep getting bigger and the median price of a home exceeded the ability of the average person to buy one, it was only a matter of time before something had to give, and it has.

Now, I talk to people all day long who are taking cash advances from credit cards to live on, or pay their mortgages; that will end at some point.

The credit card bubble will be the next one to burst. If your credit card debt is out of control, you have to do something. Through the process of debt settlement, there are ways to settle with the creditors for less than what you owe, within 3-4 years, that will leave you in a position to get new credit after it is over. Read our free report on Debt Settlement to see if it’s an option for you.

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China’s Crypto & Bitcoin (BTC) Ban as Dreadful as Ever!

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China’s Crypto & Bitcoin (BTC) Ban as Dreadful as Ever!
  • Additional rules and regulations imposed for the crypto industry in China.
  • Even off-shore crypto trading now becomes illegal. 
  • China’s Judicial management consists of several bodies, now responsible for these new regulations.

The adaptation of the crypto regulations among various nations across the globe is getting severe with the passing of each day. These rules and regulations are not only a threat for the crypto exchanges alone but for the entire crypto industry. 

Amidst all these, the worse factors these days are making the already existing regulations even more aggressive. In such terms, China has newly imposed certain regulations upon its already prevailing crypto regulations. In spite of these new regulations, it seems there would not be any future for the crypto industry in the nation. Also, it’s well known that China has been into such regulations way back since 2013, upon Bitcoin (BTC).

The New Regulations

On 24th September, China announces officially certain new regulations in addition and upon effect immediately for the crypto industry. However, it seems these new additional regulations are much worse than the already existing ones and previous regulations.

In spite of this, the People’s Bank of China (PBoC) is one of the head council members for imposing these regulations. 

Accordingly, the official notice which was given out on 24th September states that all banks and other financial services providing firms to immediately cease all their services related to crypto trading, converting fiat to crypto, crypto to fiat and crypto to crypto, etc. 

Moreover, any individual who indulges in crypto trading with off-shore crypto exchanges, but presently living in China is also now illegal and against the law. 

Agencies Responsible for New Regulations

Although, it’s well known that these new implementations and regulations are done as many members brainstorming together. Apart from the PBoC, there are nearly ten agencies of the government together. 

On the other hand, the main agencies involved in these new regulations are the Cyberspace Administration of China (CAC), Public Security Bureau (PSB), Supreme People’s Procuratorate (SPP), and the Supreme People’s Court (SPC). 

In spite of all this, it’s quite evident that China is now targeting the criminal aspects of the crypto industry.

On the contrary, it’s well known that judicial and legal entities, Civil entities, and law enforcement entities are on par with these new regulations. 

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‘Side-eyeing Chloe’ Meme Fame Girl Sells NFT in Auction For 25 ETH

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‘Side-eyeing Chloe’ Meme Fame Girl Sells NFT in Auction For 25 ETH
  • ‘Side-eyeing Chloe’ sells her meme as NFT in an auction.
  • Auction started at 5 ETH and finally sold for 25 ETH. 
  • Many meme based NFTs are profusely being sold at high prices. 

The non-fungible token (NFT) industry is quite on the brimming these days. The last few months the market is up drastically. With the passing of each year, the NFT market and the industry is onto new heights as it has ever seen. In addition, many prominent game changing NFTs have significantly thrusted up the industry.

In spite of this, lately a few meme based NFTs have been selling hot cakes in the market. Am for sure that in all social media, this particular meme has been so viral for ages. This is the ‘Side-eyeing Chloe’ meme which has the image of a cute chubby little girl giving a puzzled look expression, which took all the internet to awe.  

‘Side-eyeing Chloe’ NFT

No one in the social media could have passed by without having a look at this meme image. Ever since it got out 9 years back, it’s still being used profusely. The ‘Side-eyeing Chloe’ image took place when the mother, Katie took her two young daughters to Disneyland in 2013.  

However, their mother did not reveal where she was taking the two girls to, as it’s a surprise. On the way in their car, Katie reveals to her daughters where she’s taking them to and films their whole reactions.   

Furthermore, out of surprise Chloe’s sister starts crying whereas Chloe just gave a side eyeing puzzled look with a snout face showing her protruding milk teeth, which was captured by the camera vividly. And so, Katie posted the video on social media, and the rest is history!

The Auction Close-off

In spite of all this fame, now the meme image is being sold as an NFT by Chloe herself. Also, this NFT was sold off as an auction though. 

Besides, initially the price was bid for 5 Ethereum (ETH), which approximate to $15,000. Fortunately, the auction finally closed off at about 25 ETH, which amounts to about a whopping  $74K! 

Furthermore, this NFT was bought by a music production company based in Dubai, called the ‘3F Music’.

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COTI (COTI) Hits New ATH $0.64 – Will it Hit $1

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COTI (COTI) Hits New ATH $0.64 – Will it Hit $1
  • COTI has hit its new all-time high (ATH) of $0.64. 
  • COTI aims to bring a scalable global payment system.
  • Recently, COTI collaborated with Cardano stablecoin hub, Ardana.

The world’s first platform developed for creating price-stable coins is COTI. Today, COTI has hit its new all-time high (ATH) of $0.64. It continuously displaying a bullish signal, if this trend continues then COTI can hit $1.

Furthermore, the first application, that is self-described as a fully encompassing finance on the blockchain is COTI Pay. The ecosystem was developed especially to face all the challenges associated with traditional finance.

More so, the COTI aims to bring a scalable global payment system. It facilitates a faster, more trusted, and affordable payment mechanism. The main advantage of COTI is its simplicity, ease of access, user-friendly environment, volatility, transparency, and so on.

Current Market Status of COTI

According to CoinMarketCap, the COTI price is trading at $0.6375 at the time of writing with the 24-hour trading volume of $836,744,896. In the last 24-hour the COTI price has increased by over 21%. The circulating supply of COTI is 868,672,118.03 COTI.

The above chart depicts a 24-hour price chart of COTI, currently it displaying a bullish sign. Eventually, if this continues without a breakout then traders can expect the hit of $1 soon.

COTI Collaborated with Ardana

The main reason behind the price upsurge of COTI is the latest announcement of COTI that it is collaborating with Ardana. It facilitates stablecoin payments to AdaPay. This means, using their stablecoins, users can purchase things wherever Adapay is accepted. The collaboration will build stablecoin crypto-to-fiat payments to the Cardano network.

Therefore, this might be the major reason for the price surge and the hit of the new ATH. With the forthcoming collaboration, upgrades, and updates we can expect more price gain in the upcoming days, we can also expect that the COTI price will hit $1 soon.

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CowboyZombies About to Launch a Presale: Here is What You Need to Know About the Project

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CowboyZombies About to Launch a Presale: Here is What You Need to Know About the Project

Introducing blockchain technology into other industries has typically had very positive results, and there is still no example of introducing blockchain when any industry got damaged in any way. Gaming, for example, is one of the handful of industries that were extremely open to blockchain technology from the early days, immediately seeing potential in its cheap and quick payments.

This was perfect for microtransactions, ensuring immutable ownership of various collectibles, and alike. It wasn’t long before gaming and blockchain became so well-connected that games started launching on the blockchain itself.

One of the biggest upcoming examples of this is CowboyZombies, a new Shoot-to-Earn game inspired by shows such as The Walking Dead and zombie games like Left 4 Dead.

What is CowboyZombies All About?

As the name suggests, CowboyZombies pitches cowboys in their fight for survival against zombies. The game sets you in 1970, although it gives off a strong old west feeling. In it, cowboys are living their best lives, herding their cattle, hunting deer, and occasionally solving problems like chasing bandits and other criminals.

This all changes when the zombie attack starts, and cowboys are forced to use all of their skills to fight for survival. They have a variety of guns and knives at their disposal, and there are 5 ranks of cowboys and cowgirls fighting against 4 different types of zombies.

The game has very unique gameplay and expertly made UI, created by a team of 7 well-known expert designers. Best of all, it differs from standard Play2Earn games by using a Shoot-to-Earn approach.

CowboyZombies Presale is Coming

The project has plenty of goals to cross off of its roadmap, and the first one on the list is its upcoming presale, which will take place at the beginning of October on DxSale. Following this, the project will start focusing on achieving major listings, such as PancakeSwap, as well as a number of CEXes, in order to become universally available.

It will also see the launch of cowboy and zombie NFTs, as well as an NFT marketplace, NFT zombies battle, and more. At some point in 2022, it will introduce additional CowboyZombies characters, expand its team, launch NFT Farming, and work on its marketing campaign.

The project specified that it aims to focus on the entire world, but it also revealed that it will have a special focus on using influencers for marketing in China. This comes as a surprise, given China’s dislike for cryptocurrency-related products.

However, the project was very clear regarding the fact that this will be only a beginning, and that its goal is to go worldwide, and become a go-to blockchain game for gaming and blockchain enthusiasts.

Furthermore, it will also cooperate with a game studio to create a mobile version of the game. This will allow players to enjoy the game even on the go, which will open up new opportunities to earn while playing, which is becoming a more and more popular concept. The game will, of course, be available on Android and iOS alike.

It should be pointed out that the project is still in its early stages, and it will take some time before it reaches its full potential, as well as the popularity levels that it is pursuing. However, looking at its beautiful designs and a well-planned roadmap, there is little doubt that it will conquer the attention of the gaming and blockchain space fairly easily.

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All Players Earn in CryptoTanks Regardless of a Battle’s Outcome

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All Players Earn in CryptoTanks Regardless of a Battle’s Outcome

The play-to-earn gaming economy continues to grow due to massive public demand.

CryptoTanks, a new game running on Polygon and Binance Smart Chain, leverages NFT technology to empower the players. Bringing a military and shooter-oriented game to the play-to-earn ecosystem is a further expansion of this growing ecosystem.

The CryptoTanks Game Explained

Several play-to-earn blockchain games have proven successful in recent months. Ranging from Axie Infinity to StarAtlas and MOBOX, there is a lot of momentum in the space. Players enjoy the concept of controlling their in-game assets and potentially monetizing them in the future. It is the way video games should be: players control their assets and interact with others through built-in marketplaces to earn passive income.

CryptoTanks follows along the same train of thought, although its game is slightly different. The military theme is a different spin on blockchain gaming, as there is still a limited amount of playable game genres today. However, any game can use blockchain technology and NFTs to empower its players, and there is still much exploration.

The mechanics of CryptoTanks are comprehensible: play the game by using in-game tanks, participate in battles, complete quests, and upgrade machines to increase their characteristics and value. Every in-game item is a non-fungible token(NFT) that players can exchange for real money. As there is no need to buy expensive NFTs to start playing CryptoTanks, the game approaches the free-to-play / play-to-earn level.

Although not everyone will be a fan of the 8-bit gameplay, it is an enjoyable experience and makes it approachable for players of all ages. However, it is worth noting there is tremendous variation in the game, as the scenery will change regularly. Additionally, the game offers multiple game modes, including solo and team-based play. The three game modes can award experience, $TANK tokens or money.

Similarities With Battle City

Upon taking a closer look at CryptoTanks, one can see an overlap with the Battle City game for Nintendo and GameBoy consoles, released in 1985. Certain elements are alike, yet CryptoTanks’s team has added mew locations, missions, tanks, battle modes, decentralized finance and non-fungible token aspects. It is a modern reboot of a cult classic that came out several decades ago.

Through CryptoTanks, players can explore a world of nostalgia while benefiting from new technology development by the cryptocurrecy community. DeFi and NFT introduce new gaming incentives, such as the ability to earn or put in-game assets to work for revenue. Players can still enjoy the iconic 8-bit graphics of Battle City but with a few modern twists. CryptoTanks, as a gamified yield farming project, combines beauty with nostalgia and guaranteed prizes.

What Are The Benefits of CryptoTanks?

Whereas other games would require players to make a significant upfront investment, CryptoTanks takes a different approach. Players can buy NFT tanks from the marketplace. Additionally, players can rent tanks from other players for a revenue share of the winnings. The third option is earning $TANK tokens by playing the game and completing objectives.

The team aims to make CryptoTanks as accessible as possible. The mobile applications for Android, combined with desktop applications for Mac OS and Windows, are a step in the right direction. Launching on iOS would be big, as mobile games are trendy these days. As players earn $TANK tokens for every game played regardless of the outcome, there will always be a way to convert playtime to real money.

The developers plan to introduce more functionality in the future. One of them would make players unique characters with personality traits. Going down that route would create a unique experience for everyone, which is unusual in the gaming industry. Whether that is feasible or not is a different matter. Assuming it is, there will be different types of classes, yet no two players in the same class will have the same experience.

Closing Thoughts

It is interesting to see more game types in the play-to-earn blockchain universe. The majority of current games are fantasy and RPG-themed, yet there are dozens of gaming genres. Combining that genre with blockchain and NFT technology can lead to innovative concepts over time.

If that experience can be made unique for every player, the industry will likely undergo tremendous growth. Developers continue to push the boundaries of what is considered possible. All of these developments will prove beneficial to video games as a whole, even if not all titles will embrace the play-to-earn model.

 

 

 

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Home Loans With Bad Credit: 3 Key Factors To Help Get Approval

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Taking on a mortgage is no trivial thing, with the debt created typically in the hundreds of thousands of dollars. For bad credit borrowers, the task of getting approved can be extra difficult, but it is worth noting that there are some mortgage providers willing to approve applicants seeking home loans with bad credit.

Of course, securing mortgage approval comes down to meeting the criteria that lenders lay down, and convincing them that monthly repayments will be made without a hitch. Happily, credit scores actually have very little to do with it, providing bad credit borrowers with a window of opportunity.

The factors relate to income and debt-to-income ratio, and so long as these matters are addressed satisfactorily, the mortgage provider is extremely likely to grant the home loan application. But what are the factors and conditions that applicants need to be aware of?

1. Bad Credit Is Not Important

The biggest mistake applicants make is to think that the credit rating they have is a hugely important factor in the approval process. It is not, and in fact only affects the interest rate that is charged. So, those seeking home loans with bad credit can feel confident of getting the funds they need.

The reality is that if the credit score is very low, the interest rate on the mortgage is going to be high. This means two things. Firstly, the credit score can affect the affordability of the deal, thus impact on the chances of securing mortgage approval.

Secondly, it means that improving your credit score can have a positive impact, lowering the interest rate and thus helping to make the home loan more affordable.

2. Securing Better Terms

Since, the scores are linked to existing debts, the best way to improve credit scores is to clear those debts. That way, the score rises and the chances of getting a home loan with bad credit are improved.

The best way to clear those debts is to take out a consolidation loan and pay them off. The original debt is replaced by a new loan, but the new terms should make it is more affordable. This can improve the debt-to-income ratio, which in turn greatly improves the likelihood of securing mortgage approval.

Alternatively, trying to clear individual debts bit by bit. This will take a much longer amount of time, and the impact is likely to be less. Remember, a down payment needs to be saved in advance of securing a home loan too.

3. Making the Mortgage More Affordable

The affordability of any loan is the crucial element in the approval process, with the debt-to-income ratio establishing whether it is or not. But since the monthly repayment sum is the key, lowering it can help make the deal affordable. When it comes to a home loan with bad credit, this may be the fastest way to making the mortgage affordable.

Accomplishing this is pretty simple. Just take out a mortgage on a longer term than usual. Extending the term from 30 years to 40 years, for example, can reduce the repayments each month by perhaps $200. And once affordability is confirmed, securing mortgage approval is a formality.

Bear in mind, however, that a home loan with a longer repayment period is going to be more expensive in the long run. The amount or interest paid over 40 years will be more than over 30 years.

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Merits of Credit Cards

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Credit cards have both advantages and disadvantages. Student cards are a new avenue of making money for the banks. They lure students into buying cards to fulfill their spontaneous cash requirements. However, this turns out to be harmful for students. They do not know which card has what benefits and thus, they do not select the right card for use. What is more, interest rates on student cards are higher than those on other credit cards. These give an easy money option for students who are staying away from their parents, in a boarding school or a student hostel. This provides a good source of easy cash in times of a cash crunch. Such cards become heavenly in times of emergency.

How to use it?

A credit card can free the holder from the headache of obtaining funds. It is a good source of all-time money. But, it is necessary to educate students which card is best for them. Student cards invariably have low credit limits. This is done to put a cap on student spending. This will make the student self-dependent and help him/her take his own decisions when it comes to deciding his needs and his wants. Normally, a student spends on books, CDs, food, clothes and electronic accessories. Student cards which are jointly issued with a parent offer two bills, one to the parent and the other to the student. This enables the parent to check the spending patterns of their ward.

Student cards are fairly easy to get. All banks are falling over themselves to issue their own credit cards to students. This normally happens with students who are joining some professional course like engineering, medical, management, etc. Students from these courses generally need cash at a short notice.

Other credit cards

There are other cards for adults, which offer many benefits to the user. Some of these benefits include no surcharge for fuel on certain petrol pumps, discounts on ticket booking on the Indian railway website, discount offers in dining at fine dining restaurants, preferential health insurance, accidental insurance benefits, discounts in film theatres, reward points on spending on the card, discounts on food at well-known outlets like Pizza Hut, Coffee Day, Dominoes, etc. Additionally, some cards also offer doctor-on-call, concierge services, cash back on paying utility bills, etc. There are a lot of credit cards from other banks or financial institutions, all of which have tie-ups with their partners through which they offer discounts to customers. Credit cards are particularly useful when we must cash at a short notice in the time of medical emergencies or calamities.

Conclusion

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How Does a Bond at SA Home Loans Work?

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SA Home Loans launched as an alternative to regular banks in 2001 and has since granted over 100 000 home loans.

Why are they such a popular alternative?  It all started when they launched in that they aggressively advertised the 2% below prime bond.

Wouldn’t you like a bond that is at 2% below prime?  Well everybody would like that, the only thing was that they couldn’t maintain that rate because their interest rates are liked to the JIBAR (Johannesburg Interbank Agreed Rate) which constantly changes.  Jibar is the average interest rate at which banks buy and sell three-month money. This rate is calculated daily by SAFEX as the average rate quoted by the various banks.

So, many people switched their home loans to SA Homeloans and were disappointed to find that they changed their rates after 3 months, but this was mainly due to lack of communication and explanation of how Jibar works.

Does SA Home Loans grant 100% bonds?

The short answer would be no.  Unfortunately they do not offer 100% bonds but only 85% of the value (in the case of a switch) or 85% of the purchase price in the case of a home purchase.

How easy is it to qualify for a loan at SA Home Loans?

Well they approach lending in a very similar way the conventional banks do.  They also do a credit check and affordability check, in line with the NCA.

So, should you go with them?  Well they do offer a good alternative to conventional banks, so why not compare them to what the other banks are offering.  Ask your originator for more details.

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Alternative Student Loan – Do You Need Extra Money For College?

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Are you trying to pay for college and you cannot get enough money from regular financial aid? Do you need extra money for tuition, books, fees, and living expenses? There are ways that you can get more student loan money with an alternative student loan if you know where to look. Here are some helpful tips for you.

First, when you are looking at your budget and figuring out how much money you need for college you should always over exaggerate. This is important because if you just assume you will be fine on what you think you need, then how are you going to deal with an unexpected expense like a car repair or trip to the hospital.

Second, with an alternative student loan you can get extra money to help you so that you do not have to work and you can concentrate on your studies. There are various types of alternative student loans out there for you and all you really need to do is talk to your financial aid office to find out what you can qualify for.

Last, when it comes to any type of loan for schooling it is important that you make sure the loans do not have to be paid back until you have graduated. They should give you some sort of a grace period after graduation before they begin to ask you to pay for your student loans. This is important because you do not want this stress while you are taking classes.

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4 Sources of Free Backlinks for Credit Repair Companies

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Getting you website to rank well for high traffic terms is not easy, especially in financial services industries. According to SEOmoz’s Search Engine Ranking Factors, three of the top 5 ranking factors are related to the links pointing to your website. Having a targeted (links with descriptive anchor text from websites in the financial service category) and diverse (links from multiple root domains) portfolio of links goes a long way towards maximizing your ranking. The problem for credit repair companies, however, is that obtaining legitimate links is difficult. Because of the negative perceptions of the credit repair industry, few webmasters are willing to link to the websites of credit repair companies forcing many to try high-risk link building tactics such as purchasing links, purchasing sponsored blog posts, or resorting to blog and forum spamming.

For sites focused on long term success, these risky link building tactics are a scary proposition because they can result in animosity towards the brand from other webmasters and even worse, a rankings penalty from the search engines. While punishments are not a sure thing, and many companies seem to be able to run in violation of search engine guidelines with impunity, being one of the unlucky ones that do get penalized could take a credit repair company from profitability to irrelevance overnight.

Instead of relying on high risk link building methods, there are a number of community driven sites where you can earn targeted, followed links in exchange for your participation. Four such sites are listed below.

AOL Answers (aolanswers.com)

Recently converted to AOL Answers from Yedda, this site functions similarly to the wildly Yahoo! Answers except that when answering a question, you have the ability to include followed links with the anchor text of your choice. You can create a profile page with links to your site.

Standard spam prevention measures are in place to prevent abuse of the system, but as long as you take the time to provide good information that is of use to the askers on the site, AOL Answers can be a good source of links and traffic.

Credit Repair BEST ( www.creditrepairbest.com )

Much like AOL Answers in premise, this site differs by having more hands on moderation and by being solely focused on credit repair topics. While the site is not as popular, this links you will receive are much more targeted.

Credit Repair Thoughts ( www.creditrepairthoughts.org )

Credit Repair Thoughts is a standard Article Dashboard site that is focused on the credit repair industry and has been modified to provide authors with more SEO benefit when compared to other Article Dashboard sites. The site is diligent about approving only relevant, high quality articles so your links do not get watered down by thousands of spammy or poorly spun entries.

BloggercizeMe.com, MarsBlogger.com, Blog.com, etc.

Built using the WordPress MU publishing platform, these sites allow you to create your own WordPress blogs on their domains. While not a substitute for having a blog on your own domain, creating mini-blogs (half a dozen posts) with links to your site helps you add links from a larger number of domains while still preserving the topical relevancy of the pages being linked from.

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