Understanding Credit Card Terms

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Oct 062020
 

When it comes to getting a credit card, what may appear to be the best option at first may not work out like you expect. That is why getting your head around the industry jargon and terminology can put you in a better position to work out what will be the best deal for you. Before you choose to use a credit card service, we advise customers that they should initially project how much they are going to spend and how they are going to pay it back, they should then use that information to calculate what service provider will charge the least for financing their purchases. You may be surprised to learn that the provider you initially thought to be the cheapest, may not be when you analyze the finer details of their terms and conditions.

Interest Free Period

An Interest Free Period relates to the amount of time when the APR will be zero. This is more often used as a means of attracting new customers, but will almost certainly only apply to a limited period of your contract. Please also note that it is unlikely and uncommon that this will apply to cash withdrawals.

Introductory Rates (Specials/ Introductory Deals)

Should you be offered a special introductory rate then this means that the rate does not apply for the lifetime of your contract with the service provider. They may offer an introductory rate of 0% APR but this is merely to make you reliant on their service, however watch out because they may charge for other elements such as cash withdrawal. Please note that a wise credit card user may make use of an introductory offer to their advantage.

Annual Percentage Rate (APR)

The amount of additional money you will pay per year on the amount that you borrowed. If for example you borrow $1000 over 1 year, then you will pay an additional $100 if the APR is 10%.

Transfer Rate or Balance Transfer Rate

This is the rate that a credit card provider will charge to clear your existing debt (in whole or in part) if you move your debt to their service. This can often provide advantages for customers because the credit card provider is willing to invest a large amount of money to attain a new customer.

Minimum Repayment

Minimum Credit Card Repayment relates to the minimum amount of your debt that you will have to pay back at the end of each month. This is often in the region of around 4% of your total debt, so therefore although you may not be able to pay all your debt off at the end of the month, please ensure that you are able to pay at least 4% before you complete a purchase.

Rewards and Cashback

This is a system offered by some credit card providers that reward those who choose to spend money using their card. This can sometimes be in the form of Cashback which means that you may get actual cash to spend, or in some cases your cash may be given in the form of a reward where your money will be tied to a particular retailer or given in the form of a gift for example.

How To Find A Deal With An Auto Auction

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Sep 262020
 

If you really want a great deal on a used car, the place to go is a government car auction. This is the best auto auction for getting great used car deals. The vehicles at government auctions have been either seized from criminals or repossessed from owners who did not pay, so they are dirt cheap. Be aware though that there are different kinds of auctions in different parts of the country.

There are more and more government auctions, but other kinds of auctions have increased too. There is so much competition in the used car market, but good-as-new cars and boats are constantly getting seized by the government, so you can always get a deal at a government auction.

There are companies that run used car auctions on the internet. Some of these companies are doing a really good job, offering cheap, high-quality vehicles and convenient service. The internet makes it easy to purchase a car from an auction such as this. It’s much easier than going to a government auction. It’s all at the touch of your fingers. You can choose what are the car is available in, and also you can pick a certain model and year that you are looking for. You can also get different kinds of accessories from these auctions. You can find just what you are looking for, and you can find something in your particular area. It couldn’t be more convenient!

For most of these online auction sites, you have to pay a fee every year. You may not want to pay it, but when you consider how much money you will save on these great deals, it’s nothing.

Before signing up, though, you should make sure you are on the best auction site available. Some auction sites are better than others, and if you register on the first one you see, you might be making a big mistake. Take some time and look at customer comments and ratings before you sign up. One easy way to do this is to type ‘auction’ and ‘review’ into any search engine, and it will pull of lots of information you can use to decide which auction is best for you.

Begin This Year With The Latest Mobile Gizmo

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Sep 192020
 

Year 2007 brings you full of surprises in the form of newest mobile gadget. Now you can make a new style statement with the stylish mobile phones that have just entered the market or are about to be launched. Begin this year with the latest mobile gizmo and show the world that you keep pace with the changing technology.

The ardent users of mobile phones are increasing at a tremendous speed because it is the most preferred communication tool. Due to the cut throat competition in the mobile phones market, consumers can get cheap deals like free line rental plans and contract mobile phone deals. Due to this the technology is constantly being upgraded. Keeping this in mind Nokia has redefined the technology with its high-end mobile phones. Now you can capture all the precious moments with Nokia N95 and Nokia N97 which incorporates built-in 5 mega pixel camera.

Enjoy the tech-savvy lifestyle with Nokia N95. It is all-in-one phone which includes include Carl Zeiss optics, flash, auto focus and a mechanical shutter. It has a large 2.6″ 240×320 pixel display with a 2 stage capture button on the side of the phone. With these amazing features you can record video and watch your video clip almost at DVD quality. Capture the superb quality pictures and share it with your friends by transferring it to any compatible device through Bluetooth wireless connectivity.

Nokia has made the market speechless with it’s announcement of one more N-Series wonder. Nokia N97 is all set to amaze the market. It will soon become the buzz word of the Nokia N-Series with it’s excellent multimedia features. With Nokia N97 you can enjoy the big screen experience by viewing your videos and photos with the high definition 3″ TFT display. This is a new blockbuster which promise to rule all the N-Series available till now with it’s highly incredible and futuristic features. It comes with a brilliant 20 GB memory with expandable miniSD card slot that allows you to access to unlimited music and other entertainment factors with your device.

A look at the ways to pull yourself out of holiday debt

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Sep 162020
 

With the holiday season over, many people now turn their attention towards the problem of paying for their festive spending. With an estimated record £33 billion having been spent over the Christmas period, it can be a good idea to formulate a plan to help pay for your purchases. There are several ways in which sensible planning can help ease the burden of heavy credit card bills dropping through letterboxes.


For example, it can be a good idea to look the interest rates that your credit cards have and look to try to pay off those that have the highest rates. Alternatively, it might be possible to transfer your credit-card balances onto a lower-rate credit card. There are several credit cards on the market that offer excellent interest rates on balance transfers for fixed periods of time, so it can often be beneficial to shop around for the best deals and rates available. When this isn’t possible you may find that loans available from high street banks can beat the rate you are currently paying as banking is a highly competitive market.


However, it’s not usually a good idea to pay off debt with more debt so it may be best to avoid taking out another form of credit in order to pay off your existing debts. In many cases, you might actually end up paying out more money that you would normally. So whatever bills you ran up during the holiday season, make sure you make your payments on time, and if possible, make more than the minimum payment. Late payments can impact on your credit file and create difficulties in obtaining a favourable rate for any future credit, and sometimes can stop you obtaining any credit at all!


Perhaps you received a Christmas bonus in your salary? If so, using the extra money to help pay off some of the outstanding balance is a sensible course of action. The same can be said for any gift money received as using extra money can often help lessen the strain on your finances.


If you find yourself in serious financial difficulties and you are struggling to make repayments, it may help to contact your creditors and explain the situation. Some companies will be happy to accept a lesser payment, rather than receive nothing at all while you get back on a good financial footing. Others may pass your case onto a debt collection agency, where you can often negotiate a lower monthly payment or in some cases a lesser settlement. Or perhaps you could take advantage of some confidential debt consultation; there are several debt consultation and negotiation companies that can help you to manage your debt. But beware; some companies charge a fee for their services.


Many people spend more than they intended to over the holiday period; sometimes without thinking how they will pay back what they owe. However, by formulating a plan to help pay for your festive holiday spending, you can ease the burden of holiday debt considerably.

Blog Optimization for Profit – Part 6

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Sep 122020
 

It takes some research and creativity to find the right money-generating tools for your blog. It’s all a matter of your personal tastes. There are many to choose from.

We’ve discussed about using Google Adsense and other merchants’ affiliate programs to generate profits from your blog. However, here are even more options to monetize your blog.

The first option we’ll be looking at is Chitika. What is Chitika you ask? Chitika is a very innovative contextual advertising program because it can serve very detailed advertisements to your blog that fit perfectly with your blog theme. For example, on your technological gadget blog, Chitika will show advertisements for tech gadgets such as iPods. They show them in different tabs: one for “Best Deals”, another for “Details”, another for “Reviews” and so on. This way, it is more of an informational section for your visitor rather than a blatant advertisement, and naturally the click-through will be higher. You can apply at chitika.com

You can also be an affiliate for Amazon.com. Amazon offers a wide range of products but its predominant niche is in physical books. And, like Adsense, you can select Ad blocks that display products that fit your blog perfectly. Whatever your niche is about, you can probably find a book about it on Amazon.com. Keep in mind though, they do NOT pay big bucks. You can refer visitors to them and earn up to 10% commission. It’s not a lot but if you can manage to refer big volumes of visitors, Amazon is for you. This program really shines when it comes to the ways you can refer visitors: you can use their predefined templates to pull up recent items that match a certain criteria you set, you can target your ad to show a specific item on sale or you can just simply weave your referral links into your blog posts. Every dime helps so join their Associate program if you are into selling hard and soft cover books.

Last, but definitely not least, you can sell advertising space on your blog if your blog is truly popular. Just take a look at blogs like: xiaxue.blogspot.com. That blog receives over 10,000 pageviews every day and naturally merchants will want to strike a deal with the blog’s owner to post their advertisements there. If you manage to pull in huge amounts of traffic like that blog, you can definitely get people to buy ad space on your blog for prices from $150/month upwards, depending on your blog popularity.

To gauge how many pageviews and visitors you get everyday, just use the free tool available at statcounter.com. They have a very detailed setup guide there so I won’t go into it.

If your blog has not acquired a large amount of visitors yet, you can still sell ad space on your blog on a per click or per impression basis. Just visit sites like: adbrite.com. For a complete list of these sites, visit: performancing.com.

This is just one in a 6 part series that should help you drive readers to your blog and maximize earnings and profits from your blog! Yes, it is possible to quit your day job through blogging. All that stands between you and freedom is working smarter, and sometimes harder, towards your goal. It’s a balance. Eventually, after you have worked harder, you will be able to work smarter.

I edit 15 blogs. It took 6 months of learning and working harder before I was able to work smarter and begin making extra income.

I did not jump on every offer and rejected those marketers who claimed I could make overnight riches with no work on my part. In fact, I have spent less than $100.00! You can do this too!

Yours for success!
Jim DeSantis

P.S. – Please forward this article to someone who may benefit from it!

Using Laser Beams To Stop Smoking

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Sep 062020
 

To start smoking, you require the help of only one thing- a lighter or a matchstick. You can do it even without that. A fellow smoker with the burning stub will come to your help. Only when the issue of stop smoking gets priority over all others, for obvious reasons, there are several methods to assist you—or to confuse you.

Today’s so called successful methods become tomorrow’s failure method. Using laser treatment to quit smoking is considered to be one of the most effective smoking cessation methods. This method was introduced to the public only in the recent years and is considered to be a modern and innovative method for quitting smoking. It is trusted method because laser method is used in many other medical branches for various other types of treatment with success. But laser treatment is costly.

The principle involved in laser treatment is simple and scientific. Certain nerve centers can encourage changes in the body. Acupuncture, reflexology, use the very same principle in treating the patients. If pressure is applied on those points, you get the desired results.

Stop smoking laser treatment means the same. Those relevant points in your body are treated with low intensity laser beams. The smoking cessation in you has begun. You feel relaxed, as far as smoking cravings are concerned. The thing that is most liked about this laser treatment is that the results are announced immediately after the examination.
This is your first lesson in smoking cessation. Don’t you take it as the final guarantee.

Nicotine is such a powerful agent, that you can not confront and defeat it by laser therapy alone. Your psychological aspects of addiction are more intense than the physiological aspects. Laser deals with the physical aspects. One excellent virtue about the laser therapy is that it has no side effects. This is a great assurance. In this modern medical treatment, you are sometimes more worried about the side effects than the original disease itself.

So, you accept the laser treatment therapy, in your efforts to stop smoking. But, before that, you need to know some relevant information.

The treatment is very costly. Be prepared for it. Sometimes, you don’t get good results. So club this treatment, along with other types of treatments.

Finally, let your strong will power to quit smoking remain strong. That is the real laser beam!

Contract Mobile Phones: Grab the Best of It

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Sep 052020
 

Imagine buying the latest mobile gizmo at the cheapest rate. And now, make it possible through contract mobile phones. Visit any online mobile phone shop and grab the best handset through the cheapest contract mobile phone deal.


Mobile phones are the fastest communication tool and entertainment powerhouse. Keeping the ever-growing demand of mobile phones in focus, various mobile manufacturers are launching new handsets with innovative technology and fantastic looks. The high-end features of the latest mobile gadgets include high definition mega pixel camera, multi-formatted music player, high resolution colour display, high-speed wireless connectivity, RSS feeds, MP3 ring tones, Java games and lots more. You can get them all in one handset!


The easiest way to buy your desired phone is to sign up a contract deal available with the latest handsets. The online mobile market including shops like One Stop Phone Shop, Mobileshop.com, Cool New Mobile and Phones2udirect.com is packed with such attractive deals. The numerous contract mobile phone offers are provided by various mobile networks including O2, Vodafone, 3, Virgin and Orange. Sign up for the best deal and avail maximum benefit from your contract mobile phone.


Stay online to know more about the cost-effective deals available with contract mobile phones. The best thing about these contract mobile deals is that you can buy the best handset and get the added advantage of availing lucrative plans and incentives. You can opt for a 12 months free line rental contract or a clearance deal in 12-18 months contract term. The tariffs of a contract mobile phone deal include free gifts, free 3 months insurance, free minutes and text messages, cash backs and more. You can even get your handset absolutely free of cost by clinching a contract mobile deal. Compare the cheapest contract mobile phone deals available with the handset of your choice, get the best of it and enjoy hi-tech lifestyle.

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