Read The Fine Print When Choosing 0% Interest Credit Cards
by: Bob Hett
Credit cards-are they the bane of our existence or the wave of the future? No matter how you view them, credit cards are here to stay. With the seemingly endless variety of cards available from any number of financial institutions, the market for your credit card business is extremely competitive. Many credit card companies try to entice the average consumer with 0% interest credit cards. The offer looks great on the surface, but it is vital that you read the fine print when considering one or several of these offers.
In addition to the 0% interest rate, credit card companies offer many other perks, as well. The offer 0% on balance transfers, which can include other credit card debt, and even other types of debt, such as appliance loans or something similar. Many companies offer some kind of points program that awards you points for every dollar you spend and you can use them toward travel costs such as airline flights and hotel accommodations. Still others offer cash back percentage on all your spending, with higher rates for spending at grocery stores, drug stores and gas stations. Some even offer money towards a specific purchase, such as the GM card, which you can earn money towards a new GM vehicle purchase. Nearly every card offers zero fraud liability if your card is lost or stolen, and many offer other incentives like low annual percentage rates (APR) and no annual fees. Visa, MasterCard, American Express, and all the rest are jumping on this bandwagon to get their piece of your business.
However, it is important to look before you leap. Most of these 0% interest rate incentives only last for six to twelve months. It is imperative that you look at what your regular APR will be after the promotion period is over. The rate can be a variable rate that changes or a fixed rate, which can also change at the whim of the credit card company as long as they notify you in writing thirty days in advance. Also, if you make a late payment, it can negate the whole incentive and revert immediately to the regular APR. All that fine print in the little brochure that arrives with your offer should be read thoroughly before signing the credit agreement.
So, while a 0% interest credit card may look good at first glance, it is important to do your homework on any credit card offer you are considering. It is also a good idea to remember that it is easy to get into some serious debt very quickly with credit cards. Credit cards make spending money easy, but if you are not disciplined about your credit card use, you can get in over your head. Also, if you can?t afford to pay more than the minimum payment, it can take you decades to pay it off, and the whole time the credit card company is making a fortune off of you. It is always a good idea to be in charge of your money, not let your money (and debt!) be in charge of your life.
About The Author
Bob Hett offers great tips and advice regarding all aspects concerning Credit Cards. Get the information you are seeking now by visiting http://www.creditcardsreview.info
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Compatible And Remanufactured Cartridges
Compatible And Remanufactured Cartridges
by: Kwan Lo
The sales of OEM cartridges have been major revenue for printer manufacturers for many years. This pattern is changing recently. Despite the steep drop of printer price, the price of OEM cartridges remains remarkably high. Many consumers are fed up with expensive OEM cartridges and look for cheap alternatives. As a result, compatible cartridges and remanufactured cartridges are becoming more popular than ever before.
Compatible cartridges are also known as generic cartridges. They are like the generic drugs in pharmaceutical industry. Compatible cartridges are made by third-party manufacturers. They follow the same specification of OEM cartridges but are offered at one-half to one-third of the price of OEM cartridges. This gives them a distinctive advantage for bargain-hunting consumers.
Remanufactured cartridges are OEM cartridges which have been through one cycle of service. They are...
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Save On Food - Ten Ways
Save On Food - Ten Ways
by: Steve Gillman
To save on food, be an opportunist. Buy what you like, but buy on sale. Do you need oranges every day? Buy them when they're cheap, then buy grapefruit or orange juice when it's on sale. Opportunism is the key to low-cost living in general. You get everything you like, and lots of variety, because everything goes on sale once in a while. Here are ten more ways to get cheap food.
1. Stock up during sales. We recently bought 20 or 30 cans of tomato paste on sale for 10 cents per can. That's cheap food. You can do this with all non-perishables.
2. Try store brands. Some are as good as name brands and some aren't, but all are cheaper. Test them, maybe without telling the kids.
3. Buy fruits and vegetables in season. They are at their highest quality at the point where the price is the lowest.
4. Garden. Gardening can be a great way to stay in shape, and can help you save on food as well.
5....
Save On Food - Ten Ways
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Cheap And Easy Party Food - Throw A Great Party Without Spending A Fortune
Cheap And Easy Party Food - Throw A Great Party Without Spending A Fortune
by: Angela Tyler
If you are planning a party, you already know that food can be one of your biggest expenses. However, you can take several steps to cut your party food costs. It is not necessary to purchase expensive appetizers and beverages to throw a great party. A little imagination and effort can make your party a memorable occasion.
Here are some ideas and suggestions to help you save money on food when throwing your next party:
Have a potluck
A potluck is certainly cheaper than hiring a caterer and you will save a lot of time and money by having your guests prepare a dish to share with others. Potluck is fun and you will surely end up with an interesting assortment of foods. To make things simpler, include a suggestion as to what type of dish you would like your guests to bring such as a dessert, vegetable, or salad.
Finger foods are fun ...
Cheap And Easy Party Food - Throw A Great Party Without Spending A Fortune
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Travel On A Bargain!
Travel On A Bargain!
by: Dana Goldberg
Travel is one of many working people?s ultimate getaway. Imagine a few days of luxury & comfort on some exotic beach resort, waking to the lulling sound of waves & the feel of soft breeze gently caressing your face. Imagine looking out of your cabin window & seeing a vast expanse of endless white sand, dotted with seashells & the occasional seaweed. Imagine having breakfast of the freshest fruits right at your bed & being as far away from the noise of urban living as you can be. Imagine being thousands of miles away from your annoying boss & away from the incessant beeping & ringing of the little contraptions that have kept you on a short leash for how long now.
Now, doesn?t that sound absolutely delicious?! You have just pictured yourself having a yummy bite of a slice of heaven!
So what?s stopping you from just packing up your things & flying away to any of the many exotic destinations around the...
Travel On A Bargain!
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Tips for Using Business Credit Cards
Tips for Using Business Credit Cards
by: Morgan Hamilton
Business credit cards are some of the most popular. With more and more companies needing credit cards for their day to day operation, they are turning to credit cards that cater specifically to businesses. Business credit cards are perfect for the small or large business owner. They are a great way to get business discounts and deals. Business credit cards also offer reward programs and introductory offers. When choosing and using business credit cards, think about the advantages below and spend wisely.
Interest Rates
Most business credit cards carry low interest rates. This is mostly due to the fact that businesses have great credit and carry little risk to credit card companies. Therefore, you should never apply for business credit cards with high interest rates. Normal interest rates for business credit cards fall between 9% and 15%. Shop around for the best rates, especially...
Tips for Using Business Credit Cards
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The Truth About Printer Paper
The Truth About Printer Paper
by: Bill Smith
Contrary to popular belief, the quality of your printer paper can have a serious impact on the quality of your printer output. You can buy the best printer in the word ? feed it lousy paper, and you?ll get lousy results. Most consumers just purchase the cheapest paper they can find at Staples, which is normally just copier paper. Sure, this will work fine for text print outs. Try printing images or pictures on this paper. ? not very crisp, right?
Image quality on your print outs is largely dependent on the brightness of the paper and the absorption capacity of the paper. Smooth paper is best for brightness since it reflects the most light directly back to the eye. Coarser paper tends to diffuse light in all over, really weakening the amount of light that makes it back to your eye. The end result is an image with less brilliance.
The second factor that plays a huge role in paper quality is the...
The Truth About Printer Paper
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Consolidate all your Debt into One Monthly Payment
Consolidate all your Debt into One Monthly Payment
by: John Mussi
Are you feeling overburdened with debt? Are you paying out too much every month for your credit cards, store cards and loans? Then why not replace them all with one, lower, convenient repayment through a UK consolidation loan?
Consolidation loans can give you a fresh start, allowing you to consolidate all of your loans into one - giving you one easy to manage payment, and in most cases, at a lower rate of interest.
Secured on your UK home, low cost, low rate, cheap, low interest UK debt consolidation loans can sweep away the pile of repayments to your credit and store cards, HP, loans and replace them with one, low cost, monthly payment ? one calculated to be well within your means.
With a UK Debt Consolidation Loan you can borrow from ?5,000 to ?75,000 and up to 125% of your property value in some cases.
A UK Consolidation Loan is a low cost loan secured...
Consolidate all your Debt into One Monthly Payment
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