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[ September 30, 2010 at 9:32 pm ]

Are you a recent college graduate? Did you accumulate thousands of dollars worth of liabilities spread out over multiple your credit card accounts?
Are you planning to combine the credit card accounts with a much lesser APR in order to save some dollars and make that monthly payment more convenient? Do you have a good credit record and pay on time? Need help?
The problem with most of the credit card consolidations is getting approval for the higher credit limit. In fact, most of the consolidated credit card deals are very tight when it comes to credit card limits.
Most of the people who want to consolidate their credit card have the same problem. For example, most of the students in college are planning to consolidate most of their credit cards after using it in order to assist their college years.
Now here is a big factor. The very vital aspect of most debt …

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[ September 30, 2010 at 9:32 pm ]

When looking for low interest rate credit cards, there are many factors you need to take into consideration in order to ensure you are really getting a great deal. Many people do not realize that low interest credit cards may not really be as low as they think they are. In fact, these supposedly cheap credit cards may be costing your more than you think.
Finance Charge Calculations
So, you think you have found a great credit card with a low interest rate, right? Well, this might be true, but it may not be as cheap as you think it is. Be sure to read the fine print on the credit card and learn more about how the finance charges are calculated. The traditional method for determining finance charges is the Average Daily Balance method. This method best when it comes to saving you money. The Two Cycles Average Daily Balance method, …

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[ September 29, 2010 at 9:31 pm ]

You can find a credit card application in your daily postal mail, in your email and you will find all types of credit card applications online. If you want a credit card, if you want a new credit card or even if you are seeking another credit card for your wallet, you can find credit card applications for that particular type of card you want to get. Complete a credit card application to obtain a new line of credit for yourself, your business or even for a child you are sending off to college.
You should know there are different types of credit card applications, such as balance transfers, low interest rate, and you will find special cards for special rewards and needs. Some special reward cards are travel rewards; cash back rewards and low interest rewards. You will find credit card applications for those with bad credit, or you can …

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[ August 25, 2010 at 9:30 pm ]

When it comes to comparing credit card interest rates, you are going to want to check out the credit cards that offer you a low interest credit card. When you find a credit card with a low interest rate then you are going to see what all they are going to offer you once you become a new credit card holder with them. You may find that you are able to receive many different kind of rewards with certain credit card companies.
One thing that you are going to want to check out with the low interest credit cards is what the interest rate is once the introductory period is up. Some may charge you a high interest rate after the intro period so they are able to make up for the lower interest rate credit that you originally applied. Others are going to offer you a fixed rate for some …

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[ August 19, 2010 at 9:31 pm ]

Many credit cards out there are offering you cash back reward with their cards. When you are looking for a credit card that will pay you in return for using their card you will find that the cash back credit cards are going to be the way to go.
When you are looking at the cash back credit cards you will want to see what you are going to receive in return for using the credit card. Some will pay you a percentage of the amount that you are spending for purchases. Some of the percentages could range from 1% to 5% it will all depend on the credit card company that you are looking at.
When you see the 1%, you may not think that you are going to benefit from that card very much but you will need to look at how much you are planning to use the credit …

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[ May 10, 2010 at 9:29 pm ]

The American Express credit card had been around since 1850 since then the American Express credit card has seen it good quarters and it fare share of bad quarters as well. Yet, a well-established company that is willing to help people receive a credit card that will suite everyone’s individual needs. They have been around long enough that, the American Express Credit Card Company knows what kind of fees are going to be feasible for the average person to be able to afford with out going into credit card debt shortly after they receive a credit card.
The American Express credit card has a variety of different types of credit cards so that everyone would find a credit card for all their needs. You are able to apply for an American Express credit card for the individual person. When you start to look at the different personal American Express credit cards …

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[ May 5, 2010 at 9:30 pm ]

The Discover Credit Card is just one of the well known credit card companies that are out there for you to choose from. They usually have a great introductory period for the new credit card applicants. When you are looking at obtaining a credit card, the Discover Card is one of the many that you are going to see advertised a lot.
The Discover Credit Card has a variety of different credit cards that you are going to be able to choose. As for a personal credit card you are going to see that they are going to offer you cash back rewards for your purchases that you are doing when you use your Discover Credit Card. With the cash back rewards; you can do a variety of different things with the rewards that you have received. You are able to have it deposited in your bank, have a check sent …

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[ April 28, 2010 at 9:29 pm ]

 There are many different ways for you to apply for a credit card. There is one way to apply for a credit card that is becoming more popular every day. That is to apply for a credit card online. More people find that it is easier and faster to apply for a credit card online instead of waiting for an invitation letter to apply. You can find acceptance letters or denial letters in the mail, but when you are accepted for a credit card online you are going to receive the credit card faster than when you apply thru the mail.
There is an abundance of places to apply for a credit card online. For the most part each website will even let you know what the credit card company is looking for as far as your credit report. They are going to let you know if they are looking for …

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[ April 24, 2010 at 9:28 pm ]

For most credit card users, the annual percentage rates or (APR) is a fairly large source of confusion and chaos. If you don’t have a credit card, have recently applied for one, are planning on applying for one, or were recently approved for one, then you should read this article very carefully.
So, what is APR? Your APR is your annual percentage rate. Your annual percentage rate is the combination of low interest rates and finance charges on your credit card. With that being said, I will go ahead and answer another question: is there really such a thing as a zero percentage rate and what does it mean?
Say you currently own a credit card and you have used up most of your credit so far. With a zero percent APR introduction rate, you can transfer your balance without being hit with additional interest. What makes this great is if you …

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[ April 11, 2010 at 9:27 pm ]

Image a motorway. Nice smooth tarmac, easy flowing traffic and able to get you where you want effectively.
What happens when there are traffic jams, road works, or a queue of traffic? It slows us down.
Did we plan correctly? Was we prepared for this pitfall?
What about financial freedom?
Are you planning correctly in your financial life? Are there pitfalls in your financial life?
To have financial freedom means living our lives according to our passions and living with no money worries. We have a passive income which is working for us.
What does financial freedom mean?
• Living without debt.
• Living without any form of credit or credit cards.
• Working habitually from a budget plan.
• Using experienced people to guide and advise us.
• Using long term goals
What are some obstacles and pitfalls?
Look at the list above and reverse them, for example if we are living in debt, are we in control?
We need goals- long term. …

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[ March 26, 2010 at 9:27 pm ]

In this second article of “What is money?” You will learn;
• It is a store of value
• Money is not real
The third point is money must be a store of value.
The “object” must have a market value that can be stored for future use.
For example, a man who sells lap tops has in his possession one hundred lap tops which he can sell for future trade. This is beneficial for him because he has a store of market value, when he sells the lap tops he will add value to his business and himself.
Maybe you keep a cash box at home. The currency in the box holds market value and can be used in a future date. The currency is a store of value.
Is money real?
Here’s the thing, money is not real. Why is this fact?
We have already discussed that money systems are only “objects” which are trusted and accepted.
If …

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[ March 22, 2010 at 9:26 pm ]

In today’s article you will learn what money is.
In today’s world we all use money on a day to day basis. Have you ever stopped to think what money in fact is?
• Money is a source of exchange
• It has a unit of account
Money is a source of exchange.
All throughout history there has been an exchange system in place. One example is Rome back in 550 B.C.E, salt was exchanged for goods.
Originally a conch shell, which is a marine mollusc with a large brightly coloured spiral, was used in exchange for goods.
Here is the point.
Any object can be used in exchange for goods. When this object is used to trade goods, it is a medium of exchange. When trust is built up in this object it leads it to become important and valued. It then becomes a “money system”.
What about the object we use today?
As we have just said, salt …

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[ March 15, 2010 at 9:26 pm ]

How to achieve financial prosperity?
There are several ways to go about achieving financial prosperity.
• Having good money habits and building accurate knowledge.
• Believing in your self and having the correct mindset.
• Having a millionaire mindset.
• Using the laws of attraction.
To be financially successful it involves 80% behaviour (Positive habits) and 20% knowledge (from the experts)
This means that the correct money habits are needed with the correct knowledge. If negative habits exist, these need to change and a finance coach/mentor can assist. Accurate knowledge from the best can help you to learn and build this.
A person must truly believe in themselves to build prosperity. Any lack of confidence will lead to doubt and that needs to change. By using positive affirmations “I am attracting financial prosperity” will help to change the mindset.
Learn from millionaires, buy books written by millionaires, go on courses. The mindset of a millionaire is different to a …

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[ March 9, 2010 at 9:25 pm ]

In this article you will learn exactly what financial prosperity is and how to achieve that.
Firstly, what is financial prosperity?
According to the Collins student dictionary, prosperity means; success and wealth.
It is vitally important to remember that success is a step by step process and needs to be connected to a long term (10 year or longer) goal. Also needs to be attached to core values.
How many people have won the lottery only to be back to their original state after five years? This is because a lottery win is an event not a process.
The dictionary defines the word “wealth” as the state of being rich. It is a state of being rich in the fact that you are working your lives passions and not just in it for the money.
One example, I know a person who has been working in a factory for 15 years. She works for the coins …

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[ March 2, 2010 at 9:25 pm ]

I am sure this article has grabbed your attention!
So, how can you live without working?
There are some important secrets you must know and put into practice. Put these secrets into use on a daily basis and begin to see a phenomenal change in your financial life.
First, thing of an idea you have had in the past that would assist people to solve a problem?
Put pen to paper. If you have an idea write it down, expand on it and visualize the idea.
If you find it hard to think of an idea then ask what would help other people.
Next, research the market. Is it needed?
Build contacts that have experience in your field. Build a web site, marketing your product.
Set long term goals that your idea is going to take the planet by storm.
Keep focused and most of all fully believe that it will work!!
Eventually let the idea sell itself and attract …