Why wait to compete in the annual pitchfest when you can stand out from the crowd TODAY!

WiFi is everywhere. Even relaxing down at the local coffee store or at the most upmarket restaurants - people are browsing the web with their Blackberry's, laptops and now - cell phones. So what does this mean to you and your screenplay? It means you now have the opportunity to pitch your scripts ANYWHERE, ANYTIME!

Producers, Directors and Agents can now receive and view YOUR pitch - exactly the way you want it. There is no risk of blowing it on a one-time pitch. Get it right the first time - and get it made.

Making Money When Bank Rate Rises

Borrowing rate increases across board leave many savers very upbeat as they experience some unexpected windfall. As news of hikes filtered through the media, there were apprehension that the average debt-burden - particularly in the home loan lending area- will even go further downhill. Neverthesless, savers are in for some very attractive rates. For instance, the National Savings & Investment index-linked certificates which offer tax-free inflation beating returns, is now offering the highest ever rates on one year fixed-rate bonds - more than 6%. This is the first time this is happening in 10 years.

Generally, people with nest eggs will benefit hugely from this hike but more so those with index-linked accounts. Overall, savings rates have risen by a quarter of a percent to 3/4% across board. For investors whose money in the bank is in tax-free accounts such as TESSA's or ISAs, the rates are even more attractive: some products on offer are currently offering as much as nearly ten percent on all accounts. On the face of it, an index-linked account is a fantastic choice for savvy investors, however, a downward spiral of interest rate mean the rates plunge too. Mortgage holders who do not have fixed rates are probably the hardest hit by this rate increase. An average 100,000 mortgage will attract a further 68.00 This is quite hefty considering the current energy bill increases chiefly in the natural gas and electricity sector.

While rate hikes may be have a brighter side, it is more of bad news than good news for the average credit consumer. Some businesses have not fared well over Christmas, with consumers less willing to overspend. Insolvencies are on the up as inflation rates combined with a myriad of factors have forced small businesses out of the market. Business liquidation is dwarfed by the number of personal liquidation. Ending up bankrupt can cause untold amount of stress both for businesses and individuals. Even when the difficult period seems to have ran its course, a record of it is available on your credit history for seven years or more. During this period, any borrowed credit is likely to come with a high APR. Even low interest credit cards can prove elusive.

For borrowers, making small but considerable changes can help improve credit rating after base rate rises. If you are on a changing rate for your mortgage for instance, it is adviceable to move to a fixed rate. Bear in mind that you may have to pay for chaning. Some creditors will charge you a certain percentage of your total borrowing for opting out of your contract, whereas some may not charge anything at all. Other charges include arrangment fees which can be anything from 200 to 1000.00. You can also obtain a higher credit rating by paying bills on time whether it is credit cards or energy bills as well as home loans.

All in all, rate rises affect people in two different ways. If you are a saver, you earn more money. If you are in debt, it's bad news.