Finance2007   Finance for personal business

One of the most confusing things about borrowing money is calculating the interest rates. Interest rates vary and when you go to take out a loan or a mortgage it might seem intimidating when the loan officer starts talking about interest rates per annum, nominal rates and market interest rates.

There are different types of interest rates depending on whether you are borrowing money or investing money.

When you are borrowing money you have to pay interest back at a set rate. These rates are determined by several factors. One of these factors is risk. If you have a bad credit rating the rates at which you pay interest on loans may be significantly higher than someone who has a pristine credit rating.

The reason for this is that the lender sees you as a risk. When you are a risk, the rates applied to your lending rise. This can make it especially difficult for someone with a bad credit rating to purchase anything major including a home or a vehicle. They may be able to afford the initial payments, but once the interest rates are added, the amount exceeds their budget.

Another factor that determines interest rates is the length of the loan. Lower interest rates are often offered if the consumer extends the period of the loan. To the consumer this may seem like a windfall. They view the smaller interest rates as a savings to them. Short term it is but since the loan is being extended to take advantage of the lower interest rates, they are actually paying out more money in interest over the length of the loan.

Interest rates do not only affect just the consumer but they have an impact on the economy as a whole as well. When interest rates climb, people are less likely to purchase goods that arent essential to their lives. Car sales drop and home sales often plummet as well. The average consumer doesnt want to spend the extra money on the increased interest because the rise in rate just means less money in their pocket. The cost of the goods they are purchasing hasnt changed, its the cost of purchasing those goods that has.

On the other side of the interest rates spectrum is investing. People want to invest when interest rates are high so as to yield the biggest profit. Years ago the traditional savings account was often viewed as the traditional investment tool. The bank would post their interest rates and people would save their money in the hopes that it would grow substantially over the course of a number of years.

Today you are more apt to find people investing in many diversified things; money market funds, the stock market and bonds. If you decide to invest in bonds they will have a posted interest rate. The rates on bonds might be slightly higher than other investments because with many bonds you have to lock your money in to the investment for a specific amount of time. The period can be anywhere from several months to several years.

Interest rates impact our lives everyday whether we are aware of them or not. To keep on top of both your borrowing and investment needs its a good idea to follow interest rates.

Sending large volume of emails from shared hosting is always a problem. Shared web hosting is not designed to allow 10,000 email sending at once. However, there is always a trick for this. See the pros and cons before we doing it.

First of all, email spamming is bad, and if you are sending unsolicited email or marketing letters to anyone in your mailing list. Consequences is that your hosting account will be suspended. Your domain name and IP address could be blacklisted as well. As its a shared IP address, the hosting company will not want to take any risk, and shut you down whenever they smell that your launching email broadcasting to the whole world.

Now you had realized the consequences that you will get yourself into. Now, what if you are running a forum of 10,000 members, and you would like to email inform them about forums upgrade etc. What should you do, how to email to them at once if your shared hosting only allow 50 or 100 email sendings limit per hour??

First, check with your hosting provider, inform them you require to send out 10,000 emails from your website, and request them to give you the highest email sending limits. Let say now they set it to 500 emails per hour. And you will require to split your mailing list into 20 group and send them out each hour. That is a good beginning.

What if you are given only 100 or less email limit per hour. You will require to setup 100 groups. That is lots of work to do. Not to worry, some engineering work will solve this. First, insert all your email address into mysql database. Create a php file that pull out 100 emails and uses phpmail() to send them out one after another. By this you have the script that fetch 100 emails at a time. Then from cpanel use the crons job to schedule this script to run every hour, by that you will have 100 outgoing emails per hour.

Your email will keep sending out each hours, and make sure you not sending repeating to same recipient, they will going nuts receiving tons of email. After email sent, remove from mysql database. Its the safest thing to do.

Good luck to your email marketing effort, and this is the best solution you can have when using shared hosting.