Top 10 Ways to Save Money on Credit Cards

Top 10 Ways to Save Money on Credit Cards

The following tips are basic principles about obtaining and using credit cards that can save you some serious cash and keep you out of debt.

10. Have at Least One Credit Card for Emergencies – While we highly recommend having a rainy day fund for emergencies rather than relying strictly on credit cards, having a credit card with a low interest rate “just incase” is a good idea.

9. Rewards are not so Rewarding
– Rewards can be a good thing, but only if used correctly. Rewards cards typically have a higher interest rate than regular credit cards, with the value of the rewards justifying the extra expense. The rewards are not usually as valuable as you may think. Typically the value of the reward is around 1 cent per dollar charged and often the rewards expire at the end of the year if you don’t use them. If you pay off your balance in full each month and charge a lot they can be worth while, otherwise you’re better off with a non-rewards card.
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8. Have Two Credit Cards
– If you do plan to take advantage of rewards, we recommend you carry two credit cards. The rewards card for making your daily expenses that you will pay off in full each month and a second card with the lowest possible interest rate to cover any emergency expenses when you won’t be able to pay off the balance in full by the end of the month.

7. Shop Around – Don’t apply for the first “pre-approved” offer you receive in the mail or any for that matter. Do the research for yourself. There are plenty of sites such as CreditorWeb.com that allow you to compare hundreds of credit card offers with a simple search. You’ll get the best deal by shopping around.

6. Read the Terms – The terms and conditions are the equivalent of the disclaimer you hear on car lot commercials. It cuts through the hype and reveals the true terms of the credit card such as what happens when you miss a payment and what you’re really getting from the rewards. Most terms are not that long, usually around one full page, it’s worth your time to read them.

5. Ask for a Better Rate – Once you have been a credit card customer for a few months call them and ask for a better rate. They won’t laugh at you, they get hundreds of these calls every day and if you’ve been a good customer it usually will work. Credit card companies work hard to obtain you as a customer and they will work hard to retain you.

4. Pay Off Full Balance Every Month
– All credit cards have high interest rates compared to other types of loans. You should never plan to carry a balance on a credit card. If you must make a large purchase that you do not have the money for at the time, obtain a loan or a revolving line of credit from your bank. You will save a bundle on interest rates.

3. Work with Retention Department – If you ever feel you are being treated unjustly by your credit card issuer, a simple threat to leave will get you transferred to the retention department. This department will be MUCH more helpful to you and will usually do whatever it takes within reason to get you to stay.

2. Do not get a Cash Advance – This is the second worse thing you can do with a credit card, short of missing a payment is getting a cash advance. The cash advances usually come with a very high interest rate. What makes it worse is the fact that with most companies this higher rate credit will not get paid off first, or even in the order that you took it out. They will apply your payments towards all the lower rate purchases and will only begin paying off your high interest cash advance will all other items on that credit card have been paid off.

1. Never, EVER Miss a Payment
– This is the absolute worse thing you can do with a credit card. Not only will you incur a late fee, but your interest rate will also skyrocket. In addition it will be a negative blemish on your credit report which can cause the rate on any other loans or credit cards you have to increase as well as insurance rates. It also makes you less likely to get approved for future credit.


10. Have at Least One Credit Card for Emergencies – While we highly recommend having a rainy day fund for emergencies rather than relying strictly on credit cards, having a credit card with a low interest rate "just ...

Source:http://www.creditorweb.com/articles/top-10-ways-to-save-money-on-credit-cards.html

Home-Based Business Start-Up: 7 Tips For Lowering Your Fear Factor

Is there something so exclusive about Miami Homes for Sale? Just understand what we would like to say on Miami Homes for Sale.

Let these facts enter in your mind so that you can notice the difference. We desire you to have a look at the material and get an understanding of real estate.

Stop thinking about your start-up fears, and focus on something

more exciting like; free business opportunities, and free advertising.
It ll greatly increase your confidence in being the boss.

All of us who tell the truth will admit to having fears. Many people live their entire lives with one fear or other, but Anne Block, discovered how to side step her fear factor into a home business reality. Read more

Anne always dreamed of owning a home-based travel business, but the fear of losing her savings kept her dream parked in neutral. Anne says,
finally a business associate told me how I could start it with no money, and to start looking forward not backward. Well she started it in 1995, and her business is growing strong to this day.

7 Tips For Lowering Your Fear Factor

Having a Great Idea

By concentrating on why you want to start your own home business, and visiting like-minded websites, reading newsletters or trade publications to gather more knowledge about the subject, will raise your confidence and simultaneously lower your fear level. Repeat after me, more confidence,
less fear.

If you don t have a great idea, visit the site below for a free copy of 100 Hot Home Business Opportunities, a survey of home business owners selecting the best business opportunities to start-up in 2003.
http://www.homebusinessfree.com/home-business.htm

Be Your Own Boss


Numerous surveys have confirmed this is the number 1 reason why business owners decided to go out on their own. As you research competitors on search engines, and read their ezines, you will find your interest rising, and your belief in yourself increasing, to the point of you saying one day, I can really do this. Your level of fear will definitely lower when I show you 5 ways to advertise free. And read my previous article,
12 Free Tools For Starting A Home Business With No Money, request a copy, mailto: bruce@ownsmallbusiness.com
Paul Purdue, who founded iFulfill five years ago, with $100 leverages the Web’s free benefits, and said I use the top 10 search engines, to avoid the need for spending any money. Presently, Paul ships about 800 packages per day, and hopes to reach 1,000 daily by midsummer and 5,000 by the end of next year.
With no money needed to start-up, what are you waiting for? Here are the 5 ways to get free advertising with specific links to follow:

1)search engines
2)articles
3)links
4)banners
5)press releases

Do you agree this report is resourceful enough to fulfill the requirements of all individuals?

It aided some of the individuals who were searching for Miami Homes for Sale. But some were unfortunate.

As an individual who is searching for Miami Homes for Sale, only you can rather decide if this helps. Just comprehend till the hindmost word and get the value of the report.

Search engines are the most important element to bringing not only huge amounts of traffic to your website, and with no money expended. You can submit your website for free placement on the following search engines and directories:

No doubts about the consistency of this stuff, still the people are unsure about its assistance.

It was a bliss for those who were hunting for Miami Homes for Sale. Just few found this rewarding.

You can analyze this report if you are all hot for the data on Miami Homes for Sale. Be ready to finish and sense the stuff of this report.

http://www.google.com
http://www.lycos.com
http://www.altavista.com
http://www.alltheweb.com
http://www.about.com
http://www.dmoz.org
http://www.goguides.com
http://www.allbusiness.com

The Freedom to be Creative

Many people in today s workforce do not feel challenged or excited. The idea of working on your own interests, passions or hobbies, is very appealing. By focusing on what type of business you will start, and how you will start it, should help to lower your fear factor by one level. The 3 levels are: high, moderate and low. Lowering your fear factor just one level, to moderate or low, you should seriously consider starting your home business. Everyone has fears, but at this lower level should give you the confidence to pursue your dream.

The second most productive type of free advertising is writing articles.
It s an excellent way not only to get your website known, but to build up a sense of authority and trust in consumer s minds. A great place to start is:
http://www.goarticles.com

Make More Money

Money is certainly a big motivating factor, and it may even be number 1 in your books. A lot of business owners start their businesses for different reasons in the beginning, and learn to cherish the other reasons later on.

Having links on your website is very important to offer your visitors alternative places to go, giving your site an authority feel to it, by offering choices to your customers. Also, it s your trading post with other website owners, as you both reciprocate the giving of links as a traffic builder.
Lastly, many sites such as Google give much importance to the number and quality of links in determining your ranking. The following site offers a free report containing step-by-step instructions as well as extensive links to articles and resources.
http://www.linkingmatters.com

Convenience

Everyone has different motivational triggers, and for you the idea, of starting work at noon and quitting at 4pm might be the biggest draw.
Or perhaps, you prefer to work only 3-4 days a week. and spend more time with the family. By seeing how life can be different and of better quality, might be your answer to that drop in fear, and rush in confidence.
Continuing with free ways to advertise, so money will be not be a hindrance to starting your own business, banners are another excellent way to get your message across to new potential customers. The banner site helps you to easily design your own banner with prepared templates, so you just add your own text, and does all the administrative work at no cost to you. Visit the largest banner exchange at:
http://bcentral.com/products/bn/default.asp

Job Loss/Job Insecurity

As many as 2 million Americans have lost their jobs since our economy
started to weaken in 2000. And although this fear was not even thought of before 2000, I think it s right up there now in the top reasons for giving up on the corporate world in favor of a home-based business.

Very well. Now that you have read till this point, we guarantee that along with this you will have something exciting. Your additional interest in this piece of literature would be an added advantage for you.

Remember, some of the best companies are founded during weak economic times, that’s when people with a good idea begin, because they know business goes in cycles, and good times are just around the corner. And by polishing your business in the weak times, you ll be ready to profit in the stronger economy.
Because of the uncertain economy possibly effecting their job security, Rayand Cydi White were interested in self-preservation of their financial future, and started a very succesful real estate service company. We couldn t afford to be without income if something terrible happened, and started our business part-time to financially protect ourselves.
By starting part-time with 1-2 hours a week, working on your idea, if the unfortunate should happen, you ll have a back-up at least as a fall-back option to keep you afloat. The last method of free advertising is the press release, and quite possible the most effective way of reaching a mass audience at no cost. Just recently we have seen the phenomenon of a new product called the Segway, the human transporter of the future, as it was billed, receive a massive amount of free publicity, even getting corporate orders from the U.S. Postal Service and Amazon.com
For free press release distribution, visit:
http://www.prweb.com

Getting Started

Now take your business idea on a search. Enter the keywords of your business into Google, and visit the top 30 websites. Look over the websites making notes which designs you like, good content, great products or services to sell, and sign up for all the newsletters they offer.

This is valuable intelligence you are gathering, and after you assimilate
this information you will be ready to open the doors to your own home business.


About the Author

Bruce Scher is a home business advisor, and author of a new eBook,
“Full-Time Money Part-Time Hours”
“An excellent ebook” _Les Brown, Nationally Known Author
http://www.ownsmallbusiness.com
mailto:bruce@ownsmallbusiness.com

Source: http://www.aboutmiamirealestate.com/home-based-business-start-up-7-tips-for-lowering-your-fear-factor/