Thursday, January 28, 2010

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By Jason Kendall

With so many computer training courses to be had, it can be mind-boggling to know where to start. Choose one that's on a par with your personal character, and that's needed commercially.

There are so many directions you can go in. Some re-trainers need Microsoft user skills, some want training for careers in Web Design, Databases, Programming or Networking - and these are all possible. However, you don't have to decide alone. Why not share your ideas with an advisor who has knowledge of the IT industry, and can help you arrive at the right destination.

These days, there are many user-friendly and com! petitively priced courses to be had that provide you with everything you need.

Looking around, we find a myriad of job availability in Information Technology. Finding the particular one for yourself can be very difficult.

How can we possibly grasp the day-to-day realities of any IT job when we haven't done that before? Often we have never met anyone who works in that sector anyway.

Often, the key to unlocking this predicament properly flows from a deep conversation around a number of areas:

* Your personality type plus what interests you - the sort of work-centred jobs please or frustrate you.

* Are you hoping to obtain training for a precise motive - for example, are you looking at working from home (self-employment possibly?)?

* What salary and timescale needs you may have?

* Some students don't fully understand the amount of work expected to gain all the necessary accreditation.
* Taking a proper look into the effort, commitment ! and time that you're going to put into it.

To cut through the industry jargon, and reveal the best path to success, have an informal meeting with an advisor with years of experience; someone who can impart the commercial reality whilst covering the certifications.

It's clear nowadays: There really is no such thing as personal job security now; there's really only industry and business security - as any company can remove anyone when it suits the business' commercial requirements.

However, a sector experiencing fast growth, with huge staffing demands (through a massive shortfall of properly qualified staff), enables the possibility of proper job security.

The 2006 United Kingdom e-Skills analysis brought to light that twenty six percent of all available IT positions remain unfilled as an upshot of an appallingly low number of properly qualified workers. Meaning that for each 4 job positions existing throughout computing, there are b! arely three qualified workers to do them.

Properly qualified and commercially certified new professionals are consequently at an absolute premium, and it seems it will continue to be so for much longer.

In reality, retraining in Information Technology during the years to come is probably the finest career move you'll ever make.

A big contender for the biggest issue to be got round in IT training is a requirement to attend multiple workshop days. Many training schools extol the virtues of the plus points of attending, but most students end up finding them a growing difficulty due to:

* A lot of journeys to the centre - sometimes hundreds of miles.

* Workshop accessibility; often weekdays only and 2-3 days in a row. This can be difficult to get the days away from work.

* Holiday days lost - most working people are given only twenty days of leave annually. If you give up at least half to your educati! onal workshops, that doesn't leave much holiday time left for ! most stu dent's families.

* 'In-Centre' days fill up fast and can sometimes be too big - so they're not personal enough.

* Tension can be created in the classroom where students want to progress at their own pace.

* A lot of attendees talk of the high costs involved with all the travelling back and forth to the centre and paying for food and accommodation can get very high.

* Is it worth the possibility of letting yourself be passed-over for potential advancement or salary hikes because of your studies.

* Most of us find it difficult to ask questions in a class full of our fellow trainees - to avoid appearing stupid.

* Where students have to at times work or live away part of the time, think of the now-increased trouble of travelling to the requisite classes, as time becomes even more scarce.

Infinitely more flexible is to employ filmed workshops in the comfort of your own home - and do it when! it's convenient to you - not anyone else.

Just imagine... With a laptop you have the ability to learn wherever you want. And 24 hr-a-day support is only a web-browser click away if you hit challenges.

You have the ability to go back and re-cover all the modules whenever you want or need. And of course, you don't have to take notes as the teaching is yours forever.

The final upshot: Reduced stress and hassle, saved money, and you've avoided all travel.

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Sunday, January 24, 2010

used car finance Seeking Out Hair Loss Solutions

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By John Farikani

Have you started losing more hair than you ever have before? If you are looking for hair loss solutions you've come to the right place. Many people have hair loss and go through a feeling of not looking good. Wanting nothing more than to find a way that they can only grow new hair.

Men and women alike will suffer with hair loss in their lives. But at times it seems that they can't find a way to treat it. Finding new products on the market they will try anything and everything at times. Sometimes it may even damage their scalps in the process.

However, you don't need to suffer anymore; you can now have ! the hair loss solutions that has helped many others. A product that has been approved by the FDA even. It's called Monoxidil and you can get the product easily.

A product that would not only be applied onto her scalp, but she would also take a pill. The product was also natural too. Which was nice since Sheryl really believed that she should stick with mostly natural products.

Are you tired of trying to comb your hair so no one will notice that you are losing it? Well why not give Monoxidil the chance that it deserves. A product that is natural and full of herbs and will not add chemicals to your body.

Something that can be used by women that suffer from hair loss too. Not just men out there, but a product that will safely assist both sexes with the growth of new hair. Cutting down on the DHT that your body is producing too much of.

Saw Palmetto is one of the ingredients and many studies have shown that it will control the! levels of DHT produced. Since DHT is the one thing that is st! opping y our hair from growing, you know lowering the levels will help out.

Finally, hair loss solutions that will work.

About the Author:


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unsecured debt consolidation Are You Some Kind Of Jealous?

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By Benedict Perez

As a destructive force in relationships, jealousy is a form of insecurity which becomes detrimental to marriages especially when they become out of control. Feelings and emotions brought about by jealousy usually arise out of irrational fears of danger and doubt regarding certain aspects of life. And typically it is about that anxiety that one might not be loved enough by the other.

Stated more clearly, the green eye effect is normally based from implausible reasons or dubious points. A classic example of this is the fear of being left by the other spouse for another woman. Due to this mental trepidation, the fearing sp! ouse will be unnecessarily distraught with malicious thoughts and clouded with unpleasant ideas. And when these are spitefully articulated it initiates the launch of a barrage of questions and complaints anchored on suspicion and skepticism.

Very crucial in dealing with jealousy is not to deny the same. Rather, it is very important to embrace this feeling. Thus the first step is to accept this feeling as something normal and something that can be done away with n time. It will not be very healthy if feelings like that are repressed within oneself. It will do good if these feelings are being recognized in its entirety but to control them in such a way as not to cause unnecessary arguments.

After that, a process of introspection should be undertaken by asking oneself what are these things that is causing too much doubt and suspension. Try to decipher within oneself, search for answers within oneself as to the reasons why feelings of insecurity crop u! p. Often this particular dilemma deals with questions of love,! of self worth, and of personal confidence.

And determine whether these fears and anxieties are anchored on good grounds or valid reasons. It is vital at this point in time to verify if these insecurity-induced emotional fracases are caused by genuine bases. And if that is the case, then resolve them bravely. If the cause is in fact your spouse, then it is wise to confer the issue with him or her in an atmosphere of open mindedness and calmness. In any event, there are sure fire pacifying ways to patch up things in order to at last put an end to jealousy and go on living strong as well as angst free lives.

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Saturday, January 23, 2010

free credit report without credit card Having Sleep Issues? Get the Facts You Need to Sleep Better Now

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By Ash Derbe

Insomnia is the inability to stay asleep for a sufficient duration to feel fully rested. Consequently you are overcome by a feeling of fatigue and sluggishness during the day. Impaired mental clarity causes weakened performance caused by insufficient sleep.

! Overall, folks putting up with insomnia are unable to sleep despite feeling tired. Though they attain a light sleep, it frequently results in feeling tired in the morning or waking up way too early.

Insomnia causes are being studied and there is controversy on whether the condition is a sympton of another physical or psychological ailment or whether its a primary ailment of its own.

Generally, insomnia produces the following symptoms:

1. Waking from sleep too early and the inability to fall back to sleep

2. Reliance on drugs and/or alcohol to go to asleep

3. Being tired is a constant complaint during the day

4. Complaining of headaches often

5. Having a short fuse or being easily irritated

6. Short attention span, not able to concentrate

7. Waking up tired and not energized

8. Drifting off to sleep takes more than an hour

9. Repeated! ly waking up during the night

People that have in! somnia a re called insomniacs. Insomniacs are often not able to close their eyes and make their minds still for any length of time. This author knows the feeling all too well, going to bed with a mind that continues to be very active.

We coexist in a world brimming with stress and we are frequently plagued with partially completed to-do lists that drive our active minds at bedtime. Some of us have trouble placing those partial to-do lists to the side when it's bedtime.

Some artistic personalities swear they create their best ideas just before falling asleep while laying in bed. A famous philosopher once said, "If a man created as many great ideas in the daytime as he does suffering from insomnia, he'd be a millionnaire!" Although there is some truth in every anecdote, sleep issues can affect a person's health for the worse.

The most menacing thing insomniacs face is their longing to go to sleep but for some reason just can't. Insomniacs are not ! able to quiet their minds sufficently to acquire the rest they need. The following day, insomniacs are fatigued and seemingly unable to function optimally.

About the Author:


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By Jay Kubassek

This happens to be one of my favorite quotes, by one of my favorite people, John Jackson. In this spirit of Christmas and out of the deepest appreciation for all of my friends and family this holiday season, I felt led to share this with you today.

I got a series of emails over the last few weeks from a woman in Jamaica that I quite frankly blew off. Then last week Le! na emailed me on behalf of this woman as well, and not unlike most of the zillion email I get every day from people asking for all kinds of things, I blew that off too.

Anyways, it was 5:30 this morning, I was up most of the night with Miki and could not sleep. I decided to clean out my inbox and I came across yet another email from this lady. This one really stuck with me. I am not sure if it was the sincerity of the request, or just the pure guts of a mom to ask me pay for a semester of some kids college, not sure. Regardless, the quote above started ringing in my ears.

My heart and my gut are telling me that the right this to do here is to see if there is anyone else who feels the same way, and if to led, also contribute. It is Christmas and I can't think of anything that would be more in the spirit of giving than to pass the hat and make sure Jessica is enrolled in classes come the first week of Jan.

My goal is to wire all $18,384.! 26 to Wheaton TODAY. I am calling on you guys cuz I know you c! an help me make it happen. Regardless, Jamie and I are prepared to to what ever it takes to make this happen.

******

Hi Jay,

It was nice seeing you in Vegas, even if it was for a very brief moment as we took the one of many photos.

I am the one who told you I am from Jamaica. I have been with PRO over a year now and admire the way you have built this incredible community of entrepreneurs! I love being a part of it!!

The Jamaican dollar is in a bad way... JAD$89 to USD$1 so when I came in it was on a shoe string, but Lena Bjorna, my mentor will tell you I am determined to get to the top!

I have a 19 yr old daughter, Jessica who by the grace of God and that alone attended Milton Academy boarding school in Boston for 2 yrs on a FULL scholarship and now is in her second year at Wheaton College in Illinois.

Her first semester was sponsored by a Christian couple (God bless them) and then they lost t! heir money (all of it) in an investment scheme gone sour! To my amazement the college showed her compassion and gave her the second semester (all expenses paid!). At the beginning of this year I still wasn't able to pay and they did it again!!! Now I am faced with a new semester on the horizon... USD$18,000 due on the 15th Dec!! (They say because of the economic fall out they are unable to do it this time)

This may seem strange...that I would come to you with this...I asked Lena if PRO had any organization that helped kids to fund college...she said she didn't know, I should go to JayKubassek.com I did and then I came here. I really believe in what I am doing Jay, as you did. Until then...I just wondered if you had ANY organization that could help me to get my brilliant child back into college.

PS: She doesn't qualify for US financial aid as she is Jamaican. The banks here won't lend me the $ as I don't have a "steady" income YET! I also have a 12 ! yr old daughter and a 6 yr old son.

Please advise! me if t here is ANY thing that can be done. I know how busy you are and how blessed I am if you found the time just to read this.

God bless you Jay...and thank you for giving my life focus and purpose. I am grateful to God that He showed me this company!!

My daughter, Jessica, in her second year of a Business Major. Financing:

*Sponsored in full 1st year semester 1 *Scholarships from school for the last 2 semesters *School has no funds available this year (economy)

The deadline for the next semester was Dec 15, butin faith I asked for AND GOT an extension until Jan 1, 2010!

The balance due is USD$18,384.26 (for the next semester) The gentleman in the international students accounts division that I communicate with is Mr. Rodney Buikema: email: Rodney.Buikema@wheaton.edu

Sincerely,
 Melanie Phillibert

*****
from: Jay Kubassek
to: Rodney.Buikema@wheaton.edu,
date: Wed, De! c 23, 2009 at 6:55 AM
subject: Jessica Phillibert
mailed-by: gmail.com

Rodney,

I understand that you are in charge of international student accounts. This email in regards to Jessica Phillibert's tuition for the next semester. Please send funding instructions.

Best, -Jay Kubassek

****

CONTRIBUTIONS for 12/23/09

Jay and Jamie Kubassek: $3000
 Mike Koenigs: $500 
John and Lori Jackson: $1000 (Merry Christmas Jessica! John & Lori Jackson)
 Sara Moser-Cohen: $100
 Pasquale R Sava III: $50
 Roslyn Brenowitz: $10 
Soumangue Basse: $25
 Frances Kennedy: $25
 Frank Scott: $150 
Jimmy Davis: $1000 
James A Crandall: $25
 Ray and Ferny: $1000 
Dave Pooley: $50 
Jaun Walker $110
 Howie Schwartz: $1000 
Lelia Rayna: $50
 Aaron and Liz Parkinson: $1000 
Alan Moore: $1000
 David G Carpenter: $! 25
 George Walters: $50
 Troy Allen: $25- (Hope th! is small gift helps you reach your goal for Jessica) 
Steve Nyhof Enterprises, Inc.: $50- (Merry Christmas) 
Bhavesh Bhojani: $300.00- (Good luck! I am happy to Help. Make it happen!)
 Andrew Peel: $10.00
 Damayanthi Jayasinghe: $10.00 
Jerry Ellefson: $ 100.00
 WBG Marketing Group: $200.00 
Galyn Johnson: $25.00
 Per Hoem: $ 300.00
 Jonathan Lamphier: $10.00 - (I am glad to help. I wish that it could be more.)
 Lena Bjorna: $1,000.00- Merry Christmas!! 
 Heidi Wiegand : $ 50.00
 DAVID HOLTON: $100.00
 RBC Global Unlimited LLC : $50.00
 Brigitte Mehr: $30.00 
Magnus Weierud Haga: $30.00
 Michael Force: $ 1,000.00
 Julie A Hartman: $50.00 
Jenni Ryan: $100.00 
John Woodman: $25.00
 Ann McLaren: $300.00 
Rose Spillman: $200.00
 Brian Moore: $100.00 
Bruce and Lynn Stromwall: $150.00
 Parag Paleja: $100.00
 Newman Consulting, Inc.: $200.0! 0
 Marshall Donnerbauer: $50.00
 William Eden: $25.00
 Mike Dillard: $1000 
Peggy Bennett: $25.00
 Corey Wilson: $200.00
 Marcin Ogorek: $50.00 
Aman Tensue: $50.00
 JOHN OLSEN: $100.00
 Nick Godwin: $10.00
 Maven Marketing LLC: $1,000.00
 Patrick Fitz-Gibbon: $100.00
 Peter Andersson: $10.00 
Kariann Sundy: $25.00
 Surfveza Enterprise: $50.00
 Steve Castle: $40.00 
Wealth Masters International $1000 
Steven Jaffe : $100.00
 WINDSOR EASLEY: $100.00 
Sue Paananen: $100.00
 Vishal Shetty: $20.00
 Anthony Niel: $50.00 
JMH Marketing Group: $100.00
 George Kyros: $50.00
 GD Enterprises: $500.00
 Mitchell Dillman: $25.00
 erika freund: $25.00
 Richard Watts: $20.00
 Nola Claire: $5.00 
John Hackl: $100.00 
Lifechanging Solutions: $100.00
 Peter Anak Baledan Anum: $25.00
 Brandee Walker: $19! 0.00 GOAL MET! Thanks Everyone!

Original story po! sted her e on JayKubassek.com

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Thursday, January 21, 2010

merged credit report Lower Your Credit Card Interest Rate Now!

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With today''s credit card companies, there are many opportunities to get your cards rate of 21% or more reduced. The higher the amount of interest your card charges will cost you more for a simple purchase and ultimately may take you years to pay off instead of months, should you make the minimum payment allowed. People often just pay the m! inimum balance as a way to improve their credit rating; this couldn''t be a more dangerous way to increase your credit score. Leveraging the credit card company to say "Uncle" to your ability to switch over is easier than you think.

The switch over tactic

If your credit card interest rate is over 20% you should definitely seek relief in several ways. One of these ways is to let them know you are thinking of moving to a competitor''s credit card because they are offering a lower rate. They will move promptly to earn your dollars and interest. Let them know how unsatisfied you are about their ability to reduce your percentage rate commensurate with your ability to pay your bill in a timely manner. They will probably put you on hold immediately and speak with a manager to get your rate reduced.

Don''t be afraid to move to another credit card company

Some credit card companies will not budge when it comes to reducing your rate: even if you thre! aten to leave them. That is when you look for another credit c! ard that meets your immediate financial needs. Shop around to the major credit card companies and seek out the best possible rates. You can also search on the Internet for sites that give the best credit card ratings. This will allow you to make a financial decision that can save you hundreds if not thousands in the long run.

There are a dozen reputable credit card companies in the market who are willing to sign you up to earn your interest. These cards will even offer to assume your previous credit card debt to help reduce the interest you are bearing on those accounts.

About The Author

Jakob Jelling is the founder of http://www.cashbazar.com. Visit his website for the latest on personal finance, debt elimination, budgeting, credit cards and real estate.', 127, 'Lower Your Credit Card Interest Rate Now!, Credit, Credit articles, Credit information, about Credit, what is Credit, Credit Information', 'Lower Your! Credit Card Interest Rate Now! plus articles and information on Credit'


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Imagine...obtaining credit that''s incredibly easy...opening doors of opportunity you never even considered being possible. Credit which will allow you to take the dream vacation of a lifetime, drive luxury cars, dress in the latest fashions, achieve the American dream of owning your own home, or even start your very own business. With th! ese time-tested proven step by step strategies, all of this can now be possible!

Credit can be your #1 asset or your worst enemy. The trouble is, it can be a very stressful experience when an unsuspecting person find out there''s something wrong with their credit. One minute you feel you can buy up the world, and the next minute, you''re told your credit is denied! All of a sudden, your credit is not as welcome as someone who still has their good credit. It''s a situation that affects so many, especially when applying for new credit.

Without good credit, people soon discover it''s difficult to live without the necessary items that are needed. Unless you know how to improve, increase and repair your own credit, you will have to overcome many obstacles. Items such as new cars, houses, even rental properties and job placements can become very difficult to obtain. However, it doesn''t have to be this way! This is why it''s so important to know how to use your credit! - no matter how good or bad- in your favor!

Bankers and ! lenders in certain geographic areas usually will turn to one credit reporting agency. There are many, however, that subscribe to more than one. That can work in your favor because in many cases your complete credit history will never be accessed by a credit bureau located in another area.

By applying for credit through banks and lenders that subscribe to a credit reporting agency outside the area, there''s every reason to believe that some damaging information will not appear in your file. Remember, the only way bankers and lenders can survive is to extend credit to consumers. Especially in today''s times! By taking a few easy steps to sidestep one credit report that has negative entries, and taking advantage of another that show you''re a good credit risk, creditors will practically force hard cash into your hand. Here''s how:

  • Obtain a credit report from anyone of the credit bureaus to determine if there are damaging entries that might cau! se your credit application to be denied. By checking your credit from all of the credit bureaus, you can determine which one is your best option.

  • Call several banks and lenders and ask the receptionist, etc., which credit bureau they use in their application approval process. If the individual tells you they don''t know, ask them to find out.

  • Select a bank or lender that subscribes to a credit reporting agency other than the one typically used in the area. This will ensure that you have the most favorable information readily available to check.

  • Obtain a credit report from the credit reporting agency that your selected lender uses. A simple process that can be easily done on the Internet.

  • Repeat step number 4 until you find a report that is most favorable to you and shows the least negative entries.

  • The only thing left for you to do is apply with that bank, lender, or other creditor that subscribes to the credit bureau that h! as the credit report most favorable to you.

    Your ! credit f ile could list multiple damaging information in one credit report, but never show up in another! By obtaining your credit reports in advance, you will definitely know which lender to approach for credit. All you have to do is ask! By establishing a strong credit background, you''ll be able to enjoy life, without any worries of being declined, getting the things you want! Just think...no longer will you''ll be embarrased or turned down because of bad credit. The choice is all up to you to do it!

    About The Author

    This free article is courtesy of Cornelus Postell. Cornelus is the author of "Money Solutions That Works!", a proven time-tested selection of personal finance information and ways of gaining personal financial freedom. For more free information check out http://www.solutionswerks.com', 127, 'Tired Of Being Broke?...Learn How To Force Banks To Give You Money!, Credit, Credit articles, Credit information, about Credit, what is Credit, Credit Information', 'T! ired Of Being Broke?...Learn How To Force Banks To Give You Money! plus articles and information on Credit'


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    When you are deciding what type of credit card to get it is important to compare credit cards to each other and find the best deal for you. There are a variety of different credit cards available, from low interest cards, cash back cards and even reward credit cards, it''s hard to decide what exactly the best credit cards are.

    The best credit cards are generally going to have a few things in common. The first thing, being a low interest rate. Low! interest cards can save you money over time, by not requiring you to pay large amounts of interest on your purchases. Some of the best credit cards in addition to offering a low interest rate will be reward credit cards. Reward credit card will give the user some sort of incentive for choosing their card to make a purchase rather than another. Rewards can vary from cash back to gift certificates at your favorite department store. Some cards will even offer actual merchandise or trips as rewards for using the card.

    Compare different offers you receive for credit cards in the mail, and look for the credit card offer which is giving you the most perks for the least amount of money. Be sure to pay special attention to any membership or annual fees that the card may charge. Often credit cards with fantastic rewards will come at fantastic prices.

    Jeff Altmire is the author of this article. This article may be reproduced on websites subject to cred! it being given to the author, and a link to this website. If y! ou would like more information go to http://www.best-credit-card-cards.com', 127, 'What To Look For In A Credit Card, Credit, Credit articles, Credit information, about Credit, what is Credit, Credit Information', 'What To Look For In A Credit Card plus articles and information on Credit


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    One of the easiest "things" that can happen in life is the ratcheting up of a large credit card debt. For whatever reason, making purchases with credit cards seems easier than spending cash to obtain a product or service.

    Maintaining high levels of credit card debt is not prudent. The interest rates associated with most credit cards is high. In fact, many people have managed to rack their card balances up so high that only the minimum payment is made each month. As! a result, these people are taking years if not decades to pay down their credit card balances, all the while wasting an incredible sum of money in interest payments alone.

    In this article, a number of strategies to reduce credit card debt are presented. These tips are general in nature but will provide a person with credit card debt a solid plan for reining in credit card balances.

    A good overall strategy is to target the highest rates of interest. If you can, transfer the balance to another credit card, where you will achieve a zero or low interest rate for a set period. While this balance is not costing interest you can target other debts that are. Make sure you are prepared for when the offer period runs out and have another balance transfer offer ready to take over. You should look to have your credit card application a few weeks before your current offer period runs out. If you cannot transfer the balance then pay off as much as you can afford, so the bala! nce reduces as quickly as possible.

    Credit card companie! s are ve ry competitive and as such there are some very good 0% balance transfers and purchase offers available. Look to take advantage of these, but make sure you have a plan in place on how to deal with the balance when the offer finishes. Remember that the debt has not gone away.

    As mentioned previously in this article, credit card accounts usually have high interest rates. The combination of high interest rates and free spending patterns can result in the rapid escalation of credit card debt.

    A debt consolidation loan can be an excellent tool to assist in the reduction of credit card debt. Consolidation loans carry interests rates far below those of credit cards. In the long run, a great deal of money can be conserved through the use of a debt consolidation loan.

    While in many segments of society, the word "self restraint" is passé, out of style like last year''s fashions. But, in reality, the very best way of reducing credit card debt is thr! ough self restraint.

    Of course, it is easy to bandy around the words "self restraint" and much, much harder to practice personal control.

    Although it might seem comical on the surface, cutting up credit cards is a perfect first step to reducing credit card debt. No cards, no charging, less debt.

    Many people leave the payment of their credit card accounts at the bottom of the monthly bill pile. Other primary accounts -- rent, electricity, phone, and the like -- understandably take a higher priority over credit card bills. But, oftentimes a person will spend money on incidental purchases before taking on credit card balances. In the end, the credit card account may not be paid on at all or, if so, after the deadline.

    One way to ensure that credit card payments are made and one way to ensure that credit card debt is kept under some degree of control is via an automatic payment system on credit card accounts. A person''s bank can arrange for the credit c! ard account to be paid automatically each and every month.

    !

    By en suring that at least a base payment is made on credit card accounts each and every month, accelerated interest rates and late fee penalties will be avoided.

    In this article, three strategies for reducing credit card debt have been presented :- debt consolidation, self restraint, automatic payments.

    By following one or all of these strategies, a person will work towards a more solid and satisfactory financial position.

    Neil Brown is a freelance writer who makes regular contributions to online insurance and business finance', 133, 'Reducing Credit Card Debt, Debt-Consolidation, Debt-Consolidation articles, Debt-Consolidation information, about Debt-Consolidation, what is Debt-Consolidation, Debt Consolidation Information', 'Reducing Credit Card Debt plus articles and information on Debt-Consolidation


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    Many people may still not be aware of an amendment to the Fair Credit Reporting Act (FCRA) that Congress passed last year. This amendment allows U.S. citizens to receive a copy of their credit report, for free, once per year. The plan is being rolled out slowly in order to avoid swamping! the system, but people living in the West and Midwest can receive their credit reports now, and everyone will be able to obtain a free credit report by September of this year. Those seeking a copy of their credit report should watch out, however, as not everyone who promises a "free" credit report is actually delivering one.

    These free credit reports may be obtained through the official Website: http://www.annualcreditreport.com. Additional information is available at the Federal Trade Commission Website at http://www.ftc.gov/credit. Obtaining a copy of your credit report through this site is easy, and only requires your name, Social Security number, date of birth, and address. That would seem fairly straightforward, but there are many companies, some legitimate and some not, that are interested in attracting the business of those who seek copies of their credit report, and scams are flourishing.

    Some companies have established Websites with addresses! that are very similar to the address of the official site. Th! ese site s promise a free credit report, but they are actually only interested in harvesting your personal information. In addition to stealing your name, Social Security number and address, these sites may also tell you that a credit card number is necessary to "verify" your identification. With this information, the people operating these sites can steal your identity! There are many other Websites that promise "free" credit reports, but few that actually provide them for free. One such site is currently under investigation for credit report fraud. The site promised a "free" report, but required a credit card for "identification" purposes. Customers filled out the form and received a copy of the credit report but also received a charge on their credit card for $79.

    Other unscrupulous companies take a more direct approach by sending spam e-mail that promises to provide free credit reports. These spam messages are almo! st always "phishing" expeditions that are designed only to obtain your personal information. If you are interested in obtaining a copy of your credit report, you should avoid responding to e-mail solicitations.

    It is a rare occasion when you can obtain something for nothing. You can, however, receive a copy of your credit report, for free, once a year. Be aware, however, that not everyone who is promising you a free credit report intends to provide you with one.

    ©Copyright 2005 by Retro Marketing.

    Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including End-Your-Debt.com, a site devoted to debt consolidation and credit counseling, and StructuredSettlementHelp.com, a site devoted to information regarding structured settlements.', 127, 'Free Credit Report ? Watch Out for Scam! s, Credit, Credit articles, Credit information, about Credit, ! what is Credit, Credit Information', 'Free Credit Report ? Watch Out for Scams plus articles and information on Credit


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    Identity theft is the fastest growing crime in America, according to a recently released FTC study. Did you know that the term "identity theft" did not exist until just a few years ago? It is a recent phenomenon that is causing a great furor around the world.

    According to the United States Department of Justice, the terms identity theft and identity fraud refer to "all types of crime in which someone wrongfully obtains and uses anoth! er person''s personal data in some way that involves fraud or deception, typically for economic gain." If a person becomes a victim of identity theft, the recovery process can be time-consuming, stressful, and expensive.

    The pace of this danger is quickening. Many of the largest data collection companies and banks have experienced substantial fraud issues affecting millions of Americans. The IRS recently admitted that their complex and detailed financial records are not protected well enough at all. The fact of the matter is that we are all at risk for identity fraud and there is little that we can do about it. Our personal information is already "out there" for the taking. Please examine the following questions to help you assess your risk factors:

    - Do you send and receive your personal mail in a locked, secured mailbox?

    - Do you ever provide your Social Security number as a means of identification?

    - Do any of the cards in your wall! et display your Social Security number? (license, medical, etc! ?)

    - Do you keep your Social Security card and all of your other cards in your wallet?

    - Do you ever provide personal information in person, over the telephone or via the Internet?

    - Do you use a crosscut paper shredder and use it to destroy all credit card offers, bankcard statements, old tax records, and other documents displaying personal information prior to throwing them away?

    - Do you use any of the following to construct various passwords or PIN codes? The last 4 digits of your social security number, your birth date, your middle name, your mother''s maiden name or anything else that could be easily discovered by identity thieves?

    - Have you called (888) 5OPT-OUT to have your name removed from marketing lists that are sold by the credit bureaus? This will also decrease the number of unsolicited credit offers you receive.

    - Have you requested a copy of your personal credit report in the last year?  Last 3 months?

    - Do your personal checks contain any personal information beyond your first initial & last name, PO Box address and business phone number? Is your Social Security number listed?

    - Do you write account numbers on your personal checks as you pay your monthly bills?

    - Do you simply dispose of Privacy Notices sent by banks, doctor''s offices, credit card firms, etc?

    Take a look at your health insurance card. Chances are that your account number is your social security number. Call your doctor''s office and request a prescription refill and you will almost certainly be asked for your social security number as a means of file identification.

    I was recently at a cell phone retail store and witnessed person after person verbally giving their personal information including social security number to the employee across the counter. A criminal would have a field day listening and making notes in such an environment.

    A less-than-scrupulous grocery s! tore checkout clerk could make a fortune using or selling copi! es of pe rsonal checks that disclose a person''s personal data including name, address, phone number, drivers license number, Social Security number, bank account number and signature.

    Predators have a 360° view of all of us. That''s right. They have access to data collected by our doctors, pharmacy, grocery store, banks, employer, insurance companies, credit agencies, IRS, department of motor vehicles, schools, credit card companies, and so on. They can even purchase your social security number over the internet. They steal your identity and become you. The fact is, if a criminal is determined to violate your precious identity, there is little you can do about it.

    FACTA will help. It will force employers and other guardians of your personal data to protect it better and dispose of it properly or face legal consequences. As employers implement new policies and preventions to protect your information, data loss and accompanying fraud from companies should be reduced.

    Banks, credit gathering companies and database giants are being forced to better protect your sensitive information. The government has finally stepped in to prosecute these ID theft criminals. Banks, credit agencies and private companies have begun offering various types of ID theft insurance. Typically, most banks offer programs for a monthly fee, but the protection usually is only extended to the accounts held at their bank. The three major credit agencies offer plans to monitor your credit file at monthly or quarterly intervals.

    Be smart. Get educated. Learn the facts about ID theft by visiting the US government''s web site at http://www.ftc.org/, the ID theft center at http://www.idtheftcenter.org/ and the US Post Office''s site at http://www.usps.com/ as soon as you can. Review your answers to the earlier questions a! nd study the material at these sites. There are also several p! rivate c ompanies offering protection from this hideous crime. Look for a plan that has daily and continuous monitoring of your credit file so that you can be instantly alerted to any suspicious or fraudulent activity. The other major feature that you want is to have to an expert who can walk-you-through the arduous task of restoring your good name. This partner or coach will be invaluable to you. I have a link on my web site that will lead you to the market leader and highest qualified company of its type.

    Identity theft can be extremely costly in terms of actual monetary losses, fees for legal services as well as time spent away from work to make repairs and prove your innocence. That''s right; This is a crime where you are assumed guilty until you prove yourself innocent. The residual effects of identity theft can last for years. Your best strategy is to be vigilant, having a protective plan in place, and to be protective of your personal information. These plans are analogo! us to virus scanning software always running in the background on your personal computer. Act quickly when you discover that you have been a victim and seek help immediately when violated. It is no longer a matter of if you might be victimized, but when. Be smart. Learn all you can and take action now.

    Daniel Sitter is the author of the breakthrough e-book Learning For Profit, the revolutionary "how-to" book providing simple, step-by-step instructions to teach people exactly how to learn new skills faster than ever before. It is what the author calls a "skinny book", a new generation of e-book designed for busy people. Containing no "filler or fluff", it gets right to the point with no wasted time. It can be read easily and quickly on a computer, a PDA or printed for later reference. Visit http://www.learningforprofit.com/ or contact the author directly. This e-book is! currently available from >c|net''s download.com, the authors'' web site and a variety of online book merchants. Mr. Sitter is a contributing writer for several online and traditional publications.', 127, 'Learn The Truth About Identity Theft, Credit, Credit articles, Credit information, about Credit, what is Credit, Credit Information', 'Learn The Truth About Identity Theft plus articles and information on Credit


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    Ask a friend what resolutions they made for 2004 and your bound to hear them reply "Pay off my credit cards." Ask them how they planned on reaching that goal and many of them will not have a clear cut answer.

    The obvious first step to paying off credit card debt or paying down credit debt load is to cut back or eliminate the use of your credit cards. For some people this first step can often be the most difficult. If you''re used! to spending freely with plastic and worrying about the consequences later, it''s difficult to break free from this "buy now, pay later" attitude.

    To gain control of their careless credit card spending habits, some people cut up their credit cards therefore making it impossible to use them. Others lock up their credit cards or hide them in a safe place and vow to use them only in an emergency.

    The second step to paying down credit debt is to pay more than the minimum balance due. Most credit card companies require a minimum monthly payment of 2.5% of the outstanding balance. For example, if you have an outstanding balance of $1100.00 on a credit card charging an Annual Percentage Rate (APR) of 18.9% your minimum monthly payment would be $27.50. It will take you 66 months or 5.5 years to pay off your balance of $1100.00 making the minimum payments. The credit card company will make $676.94 in interest from your use of their credit card.

    Monthly pa! yments are purposely kept low by the credit card companies so ! that the y can earn as much as possible from the interest rate charged to you the consumer. Paying just the minimum payment will keep you tangled in credit''s web for years and years to come.

    If you''ve been paying only the minimum due month after month, ask yourself this question, "Do I have an extra $10.00 I could apply to this month''s payment?" I''m sure that most of us could find some way to come up with an extra $10.00 for the month. Try cutting out a few cups of coffee or lunches at your nearby fast food outlets and in no time flat you''ll have saved up the extra money that you need.

    Now, it''s time to unveil "The Simple $10.00 Debt Elimination Solution." Take that extra $10.00 and add it to the minimum monthly payment above, therefore making a payment of $37.50. By adding just that $10.00 a month to your minimum payment, you''ll trim 23 months or nearly two years off of that credit debt! On top of that you''ll save $277.00 i! n interest alone! That''s money you can put toward savings or paying off other debts. Imagine how much you''d be able to save if you applied this same simple strategy to each of your other credit card debts!

    Paying down credit debt doesn''t always mean having to make huge monthly payments or sacrifices. It just takes some basic planning and a simple effective strategy to make it work.

    © 2004, www.yourfreecreditreportnow.com

    About The Author

    James H. Dimmitt. James is editor of "TO YOUR CREDIT", a weekly free newsletter to help you manage your personal finances. Subscribe to the newsletter by visiting http://www.yourfreecreditreportnow.com. He is also author of "Identity Theft - How to Avoid Becoming the Next Victim!" available at http://tinyurl.com/bc45; jimdim815@aol.! com', 134, 'The Simple $10 Debt Elimination Solution, Debt! -Relief, Debt-Relief articles, Debt-Relief information, about Debt-Relief, what is Debt-Relief, Debt Relief Information', 'The Simple $10 Debt Elimination Solution plus articles and information on Debt-Relief


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    BORROWERS beware! Big brother is watching you. That is the message sent out by the Credit Information Companies (Regulation) Bill passed by the Rajya Sabha without much fanfare this May. The passage of the Bill, which will become the Credit Information Act once the President blesses it, ushers in ! a new world where everybody that matters may know yours name.


    The Credit Information Bill not only makes it lawful for all credit providers in the country to pool and share information on borrowers and their transactions without their consent, but actually obliges them to do so.


    Credit providers which fall within the ambit of the Bill include all banks and non-banking financial companies that offer any form of collateralised or non-secured credit facility. The only form of credit provider not explicitly covered by the Bill is the pawn-broker.


    The stated objective behind the official launching of a cartel-like cooperation among otherwise competitive financial institutions is to lower the burden of non-performing assets (NPAs) in the country by facilitating better credit risk managementthrough information sharing.


    The credit information sharing proces! s works as follows:

    Each ! institut ional credit provider electronically reports to a central database hosted by a credit information company called a "credit bureau" (that is, the Big Brother). Personal details of borrowers, their borrowings, repayment history and delinquency status are all reported on a monthly basis.


    In return for reporting their internal data on customers to the credit bureau, each credit provider receives instantaneous electronic access to the comprehensive borrowing history of all their present and prospective customers.


    All the information contained in the credit file is fed into a mathematical model as input criteria, and a risk score indicating the customer's creditworthiness is calculated. The risk score is then used as the basis f! or determining whether the customer is approved for the loan and under which terms and conditions.


    The credit information sharing process in India was kicked off in a controlled environment through the establishment of the country's first credit bureau, Credit Information Bureau (India) Ltd, (Cibil) in 2000.


    The scope of credit information sharing, which till recently was limited to institutional defaulters for the most part, has now been expanded to encompass individual consumers as well. It is no longer confined to defaulters, but also includes those consumers who meet their repayment obligations promptly and keep their credit accounts in good standing.


    At the last count, about 30 leading financial institutions in the country were reporting customer credit! data to the central database housed in Cibil, whose size has grown rapidly to about 20 million records. More than 100 credit providers in the country have accepted membership of Cibil and can be expected to start reaping the benefits of credit data-sharing very soon.


    With the passage of the Credit Information Bill in Parliament, one can also expect to see a few more credit bureaus, like Cibil, enter the fray in the near future, possibly in partnership with other American credit bureaus such as Experian and Equifax.


    In the US, from where this concept of credit bureaus is borrowed, credit data sharing is underpinned by a fairly robust, responsive and responsible regulatory mechanism which, in addition to serving the business needs of credit providers, also protects the interests of bona fide credit seekers, defaulters under true hardship and consumers at large.


    The regulations, which are freque! ntly debated in the House and updated to reflect the latest business practices, take a comprehensive view of the lending industry and its complexities by considering in microscopic detail all activities carried out by each player in every phase of the credit lifecycle.


    The credit regulations lay down in great detail the code of conduct to follow for each and every activity in the credit lifecycle. The responsibility of enforcing the regulations has been entrusted to the Federal Trade Commission (FTC), an umbrella organisation that promotes fair business practices.


    The FTC, which uses the quote from Victor Hugo to remind itself of the loftiness of its purpose, plays an active role as a conduit for handling consumer issues and as an ombudsman in ensuring that an equitable balance is struck between conflicting interests.


    Here are a few highlights from the American credit regulatio! ns, violations of which entail hefty financial damage: < /p>

    • Consumer data must be held securely and treated with utmost confidentiality. They cannot be disclosed to third parties or used outside the intended scope for which permission is originally sought from the customer.
    • Lenders need to make certain mandatory disclosures informing consumers of their rights each time an adverse action is taken based on information in their credit reports.
    • Use of factors such as age, gender, race or exact geographic location in the credit scoring models is expressly forbidden to prevent any form of discrimination.
    • The interest assessments must be made exactly as advertised to customers when accounts are booked. The formulas used in calculation should be explained in the statements sent to customers.
    • Consumers reserve the right to instruct the credit bureaus to make their credi! t file inaccessible to lenders making unsolicited offers and thereby opt out of mass mailing campaigns, telemarketing campaigns and so on.

    Contact with borrowers for debt collection can only be made between 8 a.m. and 9 p.m. Dunning by telephone or in person more than once week, contacting the borrowers at their workplace without prior permission and using inappropriate or strong language might be construed as harassment in the court of law with harsh penalties for the credit provider as well as the collection agency involved, if any. (Contrast this with the goons hired for collections in India and the abuse defaulters suffer.) In India there are credit providers, credit facilities, credit bureaus and credit data sharing processes that mirror the American model, but we cannot boast of a comparable regulatory rubric for governing them.


    The stage is now set for a grand credit circus wherein many unsuspecting cons! umers are lured into debt through inducements and then flung i! nto a pr ecarious trapeze dance with creditors, without a safety net to break their fall. The policymakers would do well to realise that the trapeze act involves a two-way grip, and if the consumers fall into debt traps they will take the creditors down with them.


    A substantial portion of the NPAs stems from wilful defaults by big institutional borrowers rather than individual borrowers. These wilful defaulters enjoy political patronage and cash in on the loopholes and lethargy in our legal system.


    The Indian corporate culture has been driven mostly by debt rather than equity for raising capital during the socialistic era that spanned four decades. The overhang of NPAs stemming from institutions rooted in such a past is unavoidable and is the price to be paid for development in a business environment that lacks the vigour of a risk-taking stock-market culture.


    Consumer credit bureaus can do little to address such issues and make a deep dent in NPAs. But they can identify and potential fraudsters and defaulters from good customers and adopt a differential risk-based pricing strategy for their products.

    Thus, customers with a good track record of managing their obligations will be rewarded in the form of lower interest rates, courtesy the "invisible hand" theory on market forces. This has certainly been true in the US. But only time will tell to what extent such benefits will re! ach consumers in India.

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    Banks across the country reported a loss of over Rs 42 crore to internet/online banking and credit cards frauds during April-December last year with the maximum amount being fraudulently withdrawn using credit cards.

    Though the states collectively reported 233 such crimes in 2008, Maharashtra reported 23 incidents — the maximum — during the ninemonth period last year. Tamil Nadu, on the other hand, has topped the list in terms of losing the maximum amount (Rs 2.09 crore) to internet frauds.

    While different private and public sector banks on their part collectively reported a loss of Rs 36.54 crore to credit card frauds , the states reported a loss of Rs 6.57 crore to internet frauds.
    According to figures released in Lok Sabha in response to a question, the lending institutions in Maharashtra lost Rs 55.54 lakh to online fraudulent practices.

    ! Rajasthan, Andhra Pradesh and West Bengal lost Rs 89.93 lakh, ! Rs 64.29 lakh and Rs 35.72 lakh, respectively while Kerala and Delhi lost Rs 17.60 and Rs 10.90 lakh, respectively, owing to cyber frauds.

    Eleven cases of internet fraud were reported from Andhra Pradesh, eight from Delhi, seven from Tamil Nadu, six from Karnataka and five from West Bengal during April-December 2008.

    However, banks in Bihar, Goa and Jharkhand did not lose a single penny to such fraudulent activities.

    According to data updated till 2007, out of the total 355 people arrested across the country, a maximum of 156 people were arrested in Madhya Pradesh in connection with cheating-related cases under IT Act — fake digital signature (Section 64) and breach of confidentiality/privacy (Section 72) — and IPC — forgery and criminal breach of trust/fraud).


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    A card company has offered you a lifetime free card. No processing fee, no annual fee.

    Great! Especially if you always spend within your credit limit and pay your bills on time.

    If you c! onstantl y revolve (only settle the minimim payment on your bill and carry forward the rest) on your card, never pay your bills on time and frequently take cash advances on your card, though, you may be in for a not-so-pleasant surprise.

    Remember, the processing and annual fees are not the only costs that come with a credit card; there are other costs that have to be considered as well.

    Cost of revolving credit

    Every bank allows you pay a minimum amount, generally 5%, of your bill if you so choose. You can carry forward the rest of the amount on your bill to! the next billing cycle. But this facility does not come for free.

    You are charged a rate of interest on the outstanding balance amount; this could either be 2.5% or 2.75% per month. On an annual basis, this works out to 30% or 33% -- a very steep loan indeed!

    If you revolve your credit often, check out the interest rate on revolving credit; the higher the percentage, the greater the soup you will land yourself in.

    Cost of a cash advance

    Do you often find yourself walking ! into an ATM to take a cash advance on your credit card?

    The fee, generally a percentage on the amount withdrawn, could be around 2.5% of the withdrawn amount or a minimum of Rs 100. This minimum fee could rise to Rs 200 if you are using the ATM of a different bank.

    Let's say you have an HDFC Bank credit card. You walk into an HDFC ATM to withdraw Rs 1,000. The fee is 2.5% on Rs 1,000, subject to a minimum of Rs 100. Since the fee in this case amounts to Rs 25, you will have to pay a fee of Rs 100.

    If you instead used another bank ATM to make a withdrawal with your HDFC Bank! card, you would probably have to pay a minimum of Rs 200.

    Cost on late fees

    Let's say the last day to pay your bill was October 1 but it totally slipped your mind, so you paid it later. A late payment fee will be slapped on you. This will be around 25% of the minimum amount due.

    If your bill was Rs 5,000, you will have to pay a minimum of 5%, which works out to Rs 250. Your late payment fee will be 25% of Rs 250; this works out to Rs 62.50.

    Unfortunately, the bank would h! ave stat ed that the minimum late payment fee must be Rs 250. So there you go -- another Rs 250 to dole out.

    Cost on exceeding your limit

    You will have a credit limit laid by your bank. This depends on your income and repayment pattern. A good repayment pattern will result in the limit being increased over time.

    But if you exceed your limit in a billing cycle - time period from one bill to the next, the 'extra' cash does not come free. You are charged a fee on the amount by which you overshot your limit.

    Let's say your limit is Rs 5,000 but you spend Rs 6,000 this month. You will be charged a fee on the extra amount; Rs 1,000 in this case. This could be around 2.5% of Rs 1,000, which works out to Rs 25. Here, too, there will be a minimum amount which could be Rs 250. So you don't pay Rs 25, but Rs 250.

    Other charges

    There could be a surcharge levied on the payment you make at a petrol pump, on the purchase of a railway ticket or even for utility payments. Do look at all these.

    There will be a cost if you lose your card or ! it gets stolen or damaged and you want a new card. In some genuine cases, the bank might agree to waive these charges.

    If you lose your statement and ask for another, a charge will be levied.

    So the next time you are offered a free card, make sure you check these rates with another card to ensure you are getting the same deal. Else, you may not pay the fees but you could end up shelling out dearly on other costs.

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    If you're a small business owner, there's always something that needs to be done and you are often the only person available to do it. From delivering your product to customer service and even the paperwork behind the! scenes, you're responsible for all the steps that have to be ! taken to get your business from point A to point B.

    Imagine being able to add a couple of shortcuts to the paperwork side of things. That would give you more time to focus on the part of the business that you love, and less on mundane, behind-the-scenes items that need to be done but are certainly no fun. A business credit card may help you do just that. There are a number of credit card companies who understand that small businesses have the same kinds of needs as larger businesses, and sometimes need a little extra buying power to remain at peak operating efficiency.

    Many small business owners never realized that a business credit card will actually help them keep their records in or! der. Once you've gotten a business credit card, it should be used for all of your expenses. By doing so, you'll no longer have to sort through a large pile of receipts at the end of the month. Your credit card statement will have a list of all the vendors you paid and how much they received, in one easy-to-read and organized list. You can also do away with the aggravation of trying to read blurred or 'not quite printed' receipts.

    A business credit card will also allow you to keep a tighter hold on where your organization's money is going. Every time the statement arrives, you can take a close look at just where your money is being spent. With everything clearly documented you may start seeing where expenditures are higher than you'd like and find ways to cut down, thereby affecting your company's bottom line.

    Additionally, the card may be able to make your regular monthly bill-paying go a bit more smoothly. Many utilities and service companies allow regular payments by credit card. So, instead of being inundated with a steady stream of bills for which you'd have to physically write a check and pay, you can set them up on an auto payment plan through your credit card. Then you'd only need to write one check a month – to the credit card company.


    There are also other bonuses that your business might benefit from by having a credit card. Depending on the card you choose, you could earn a! ir travel miles, gas rebates or even cash back for the purchases you make. If your company normally has a significant amount of expenses, it could add up quickly and reward you with a little bit back. While many people think that lines of credit are nothing more than an additional burden, using your card in the right way can actually help make your operation run more smoothly as well as offer a few perks along the way.

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    If you carry a balance on the card and to pay a high interest rate, using a balance transfer credit card that offers a 0% APR for 1 years, a good way to save money. There are literally hundreds of online offers for balance transfer credit cards that charge no interest for up to 1 years. And with interest rates! hovering in the mid-teens, there's really no reason not to use to respond to these offers.

    Let us start with examining howYou can save a lot with a 0% balance transfer credit card. Assuming that your interest rate is close to the national average of 15%, every $ 1000 you can carry in credit card debt will cost about $ 150 per year. Based on generally accepted estimates, the average household size is around U.S. $ 8000 in credit card debt. This means that on average people are paying $ 1200 or more per year to their credit card companies. The sad thing is that there is really no reason to waste thisMoney.

    0% APR balance transfers are an easy way to stop interest expenses arising from and to help consumers pay off their credit cards. Plus, finding a good balance transfer offer credit card, your application online, and transferring a balance is a simple process. Here are some tips to maximize the savings you can get with a 0! % balance transfer to:

    Tip 1: Consider the app! lication for a credit card, a 0% interest offers onPurchases and balance transfers for 1 year. Some credit cards only offer 0% rates on balance transfers. When you apply for one of these cards, and make new purchases with this card, or your old credit card, you receive interest payments again. There are tons of credit cards offer a 0% APR on purchases and balance transfers. Apply one of these and you will receive a full year leave of interest.

    Tip 2: Apply for a different brand of credit card. IfYou do not have a credit card from Bank A, you will be able to strike a balance, a new card from the same bank transfer. Fortunately, there are a lot of companies with 0% balance transfers, so that the search for a different bank should be no problem. This does not mean that if you can hold a visa, you do not apply for another visa, visa cards that are offered by a number of banks.

    Tip # 3: Apply for more than a balance tran! sfer card. Many companies offer tiered Interest rates. For example, someone with excellent credit can be a 0% APR for 1 year and 11% APR is over at 0%. A person with average credit will also get the 0% for one year but may be offered a 15% interest rate after the 0% flow. If you are applying for more than one card, you can access your balance on the card that the best interest rate after the 0% period has expired transfer.

    The decision to cash balance with a 0% save> Transfer credit card is a breeze. If you pay interest on your credit card, you can stop this negative cash flow in a few minutes, by-line for a new 0% credit card. With so many offerings, there's really no reason to waste money on credit card interest. Unless, of course, you feel bad for the credit card company and they want the money.



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