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Show Sunday, August 21, 2005 DAILY Ifyou don’t see what| on Priv c10 Ou want, make it v : ecades back, during a visit by President Rony ald Reagan to the Uni- of each factor that helpspredict as arn? California, a student | fors, however,include: payment history (paying bills on time); outstanding debt (amount | | of observed that it was impossi- fe most important HERALD a = Voymecicea ae Adiant your score. does not raise your score inthe Continued from C10 short-term. WDon't open new credit cards jd jaar operngea your available credit. proach cul actualy ower” our score. ayn have been managing compared to your credit ceeth ateer tees don't itigifae for the advertisers. ing to cover the installation costs'is a challenge, he said. fertairimenit system. “Advertisers are looking for ways to “That in tui, affects the numpescaGee an its catenel teasiees encom: | sumers. Despite complaints about advertising, the per- systems, its ability to te enaaeatees on its 30-minuteloop,he said. “Whether or not we're success- ceived wait time at arestau- _ful in our talks with the restau- limits); length of credit history open a lot of new accounts too (time you have had credit); new rapidly. New accounts lower advertising,” Cramer said. “If them for referrals and recom- eration to understand the next generation of young: people. credit requests (or recent apperatene tox coe) ond pe your average account age and have a disproportionate nega- you advertise to someone at home, or in their ownplace of mendations, and that helps.” So far, Adiant has one ‘You grew up ina differ- of credit (or evaluation of the tive effect on your credit. comfort, it’s easier for them ble for people of Reagan’s gen- ent world,” the student said. “Today wehavetelevision,jet a Space travel, nuclear ler gy, computers... yeuare right,” said Reagan. “Wedidn’t have those things when we were young. 4 types of credit you have). Improving your credit score takes time and effort — you need to manage your credit in a responsible way over time. Start by clearing up any mis- Harv Mackay ley ae 1 Positive Strugg es takes on your credit report. Weinvented them.” One of America’s great strengths has been its record of imagination and innovation in all walksof life. August is National Inventors Month, a goodtime to focus on our ingenuity. One of the world’s most beloved —and creative—writers andillustrators,the late Theodore Seuss Geisel, better knownas Dr. Seuss, defined invention and innovation thus in “Scrambled Eggs Super!”: The places I hiked to!/The roads that I rambled / To find the best eggs /that haveever been scrambled! If you want to get eggs / you can't buy ata store,/ You have to dothings/never thought of before. Alan Greenspan, America's foremost economist and chair- man ofthe Federal Reserve Board,said: “Nowherein the world are the synergies of small and large businesses operating side-by-side in a dynamic market economy more apparentthan in this country.” Hecontinued: “While we would be foolish to ignore the significant contributions of corporategiants, it is important to note that many of today’s corporate giants were small businesses not all that long ago. America’s innovative energy draws from the interaction of both large and small businesses.” Nobel Laureate Jonas Salk was asked how he went about inventing the polio vaccine in 1953. His reply: “I pictured myselfas a virus or a cancer (Requesting and checking your Few menhave been more creative than Charles F. Kettering,the brilliant engineer who invented manythi connected with the automobile and ended upas headofresearch for General Motors. Kettering once made a wager with friend:If the friend would hang upa birdcage in his house that the friend would “That's the Mick Jagger of search!” exclaimed e-marketing strategist Seth Wilde as he strolled by Cutts and his audience of webmasters. Cutts, who has worked at Not surprisingly, Google ing Websites perched at the top to fall a few notchesor, worse, of the results. Google's reshuffling raised so Kettering’s friend would an- stuffing” — peppering a Web page with phrases associated with a specific topic such as Finally, Kettering’s friend “laptop computers”in hopes of duping the software “spiders” that troll the Internet to feed Google’s growing searchindex. It's a risky strategy because Google andother search en- Mackay’s Moral: If you eventually you goout and get somnettang to put into tiem. cases, the offending Web sites every two weeksofhis adult » Harvey Mackayis author of the New York Times they don’tsl hang birdcages in your mind, reached through his Web site: www.mackay.com; or Mackay Envelope Corp., 2100 Elm St., Minneapolis, MN 55414. talks with Tucanos Brazilian number on screen.” | | | | | | | | | | Even though advertising on Adiant’s queue management system may not reach as large an audience as advertising on television networks, Cramer stressed his company’s goal is toreach specific demographics targeted by different small — and making ad icing competitive. Prto at attract advertisers, Cramersaid he would provide information about the monthly customer traffic and how often their ads would run. Keeping flash-based ad pricing competitive compared with thatoftelevision advertising is anotherstrategy, he said. “Ad pricing is based onthe size of the ad, how many customersvisit the restaurant on amonthly basis, what the average entree would cost, how at The Shops at River- moniin Provo. “Wewerealso at Chevys Fresh Mex Mexican restau_rant in Orem.But we had to pull out whenit went out of business. Most of the advertisersforthat restaurant will be transferred to Fat Cats and Tucanos,” Cramersaid. Terry Brown, co-owner of Bleachers SportsGrill, said Adiant's system has been installed at his restaurant for a month and a half now but isn’t operational yet. “We've neverheard ofthis type of advertising medium before. But we'retryingit sinceit doesn't cost us anything to use it,” he said. “But instead of using the system to announce whenthe customer _will be seated, we're using it to alert our customers whentheir works hard to thwart the mischief makers, sometimes branded as “Black Hats” because of their subterfuge. on thescreen.In other businesses we're targeting,like “Wehaveninetelevision sets located throughout the restaurant broadcasting different sports games and events. auto shops, pricing is based on customertraffic and demographics,” Skousensaid. Toget businesses to try out Adiant’s system, the company wouldoffertoinstall its queue managementsystem andplas- maTV screenforfree. That translates in toinstallation even plunge to the back pages manyanxieties that webmasters in 2002 began to namethe changes after hurricanes and infamous events. Oneparticularly unpopular change Google rolled out in 2003 was dubbed “Florida” after the muddled balJot countin the 2000 presiden- tial election. “But that system didn’t work well becauseit interrupted customersdidn't like that. Adiant's.system will allow us order to secure morelocations Engineers frequently tweak the algorithms that di the rankings, sometimes caus- know whentheir food is ready to be picked up,” Cramersaid. the gameexperience, and our costs of about $3,000per location — a cost Cramersays his companyis willing to bear in We havespeakerslocated at eachtableto let customers to flash the order number on the screen.” Utah County News www.heraldextra.com ing the same word.In the worst are deleted from the index so up in search resultsatall. Sometimes webmasters col- bestseller “Pushing the Envelope.” He can be out for their names ortable gines penalize Websites that get caught gratuitously repeat- socket and light switch. Edi- nesswas his greatest blessing. its by drivingusers toits rivals. must resort to deception. The tactics include “keyword vatetheir standing, evenif they ie? electric pen,a version of the stock ticker, the electric-light somet! Edison used to say his deaf- undermine the company’s prof- ranked Websites spend much time and money trying to ele- his dining room table. And,of andssay, ‘When did yourbird the following: wax ir mimeograph machine, dictat- We're trying to accomplish sumers, diminishing Google's credibility and erceeune to “and myfriend hungit near land,” Kettering recalled, decided it was simpler to buy a bird than to keep explaining why he had an empty birdcage in his dining room. life. One ofhis famous observations is a lessonforus all: “Hell, there arenorules here. user's Hohe Soataing con- course, people would comein bird cage madein Switzer- birdcage. son averaged one new patent search results with Websites that havelittle to do with a Google forfive years,sees it differently. “I feel morelike the Rick Moranis of search because I end up dealing with so many quirky and weird cases,” he said. With so muchat stake, low- “I bought him an attractive restaurant client, Bleachers Sports Grill in Provo, and is in the process of installingits ere at Pizza Factory in LakeCity and atthe Fat om bowling alleys in Provo and Salt LakeCity.It is also in | muchairtimethe business gets food is ready.” Google eventually have to buy a bird swerthat he never had a bird, only to be asked why he had a recorder, chemical phenol, an , in part by the length of cur. » Re-establish your credit history if you have had problems. ing new accounts responsibly and paying them off on time will raise your score inthe longterm. » Manage credit cards responsibly. Having credit cards and installmentloans, and paying them in a timely manner,will raise your score. Someone with _nocredit cards can be considered a higher risk than someone who has managed credit cards responsibly. ———_-—. Eric Gertler is the authorof “Prying Eyes,” a guide to protecting from people who sell to you, snoop on you and stealfrom you. _rants or advertisers, we'd ask to block it out. But outside of their home,studies show people tend to be more receptive to ads. I guess it’s because,in our case, they have to watch the ad while keeping an eye time over which inquiries oc- rankings. Suchdirty tricks pollute the Continued from C10 to put in it. The skeptical friend took the bet. phonographand motion-pic- ing machine,a variety of Portland cement, an electric vote » Do your rate shopping io a paver ee wes ‘ocused period oftime. FICO covesish between a searchfor u a ae loan and a search for many new credit = quit until he finds it. cell andtried to sense whatit would be like.” Asif the electric light, ture camera weren't enough, Thomas Edisonalso invented own credit report won't affect yourscore,as long as you orderit from a credit bureau or anbal iegceey. authorized to provide credit reports to consumers). Here are some tipsto improve your credit score: » Pay your bills on time. Delinquent paymentsand collections can have a major negative impact on your score. » Get current and stay current with payments. The longer you pay your bills on time, the better your score. ) Keep balances low on credit cards and other “revolving credit.” High seeming debt can affect a Payoff debtrather than moveit around. Paying down revolving credit improves bl because it saved him from having to listen to reasons why things couldn't be done. When Albert Einstein was in residence at the Institute for Advanced Studies at Princeton University during his later years, a guest asked Einstein ¥ he would show him his laboratory. The famous scientist and mathematician smiled, held up his fountain pen and pointed to his head. Alexander Graham Bell, who invented the telephone, said: “Whatthis poweris I cannot say;all I know is that it exists andit becomes avail—_able only when a man is in that state of mind in which he knowsexactly what he wants _and is fully determined not to rant goes down when there’s | ludeto populatetheirsites with a large numberof incoming links from othersites. This approach makes site appear moreauthoritative and popular than it really is and thus rise in Local Businesses * Phone Numbers + Addresses * Maps www.heraldextra.com/yellowpages Join Kim & Robbie, 1 year Grapevine Radio for Women Who Believe ‘2 year in the Beauty of a BalancedLife! 3 vEAR 5 vear 7 YEAR 10 year 8.50% 9.00% * The Annual Foccecinge Veoee {APYs) above apply only to ane of moa and are available through August 27, 2 §. The APYs assume interest is paid only at This aonouneamenei neither an ofr to ell or slicofa ofr buy Noves Ths ofr ismade ony by Prospect rexdems of CA, CO, CT, DE, FL, GA,KS, MA, MD, MN, N} ST. 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