There are many factors involved in choosing for the best credit cards. First, you must think about how the it will be used.If you expect to always pay your monthly bill in full, your best choice may be a credit card that has no annual fee and offers a longer grace period.If you sometimes carry over a balance from month to month, you may be more interested in a credit card that carries a lower interest rate or low annual percentage rate (APR).If you expect to use your card to get cash advances, you will want to look for a one that carries a lower APR and lower fees on cash advances. Some charge a higher APR for cash advances than for purchases.These are steps to take when deciding on a credit card, but your actual breadth of options depends in great part on your credit history.Once you have decided which card is best suited for your needs, it is time to do a comparison shopping; more like when you are looking for a mortgage or a car loan.Here are some tips that should help you get started:1. Do some research – There are plenty of places, both online and offline, where you can read about credit card offers and even get their ratings, but since rates and plans change so often, it’s a good idea to call the institutions you are interested in to confirm the information and to see if there are other plans that might work for you. A reliable and non-commercial resource is the Federal Reserve Board. Also, the non-profit consumer credit organization U.S. Citizens for Fair Credit Card Terms offers credit card ratings from its research.2. Make a list – Make a list of credit card features that fit your financial needs and rank the features according to how you plan to use the card and pay your monthly bill.3. Review the plans – Review all of the information you have gathered on different plans. Pay special attention to the APR; you want a low rate, but not necessarily the lowest. This is because, depending on your lifestyle and payment habits, you might benefit more from a card that offers cash rebates, discounts or frequent-flier miles.4. Check out credit unions – Look into the possibility of joining a credit union. Credit unions are non-profit, and they have lower overhead so they can charge lower interest rates.5. Compare plans – If you already have a credit card, be sure that you’re making a good move before you swap cards. If you are a current cardholder and have a good credit rating, see if the institution that issued your card will lower your current rate. Don’t be afraid to negotiate!Now here are some benefits of your low interest credit card:With your low interest credit card on hand you can:1. Get Rid of your Debt – You can transfer balances from one card to another to take advantage of low introductory rates. This a very common practice among U.S. credit card holders. Low introductory rates can be very helpful in your quest to become free of credit card debt. You should look for one that offer a low intro rate, and transfer the balance from your previous credit card to that new card. Before you take this step, however, make sure that, after the intro rate has expired, the new card offers the same (or lower) interest rate as your current card.Often times, credit card companies offer a low “introductory” rate that will give you a low interest rate on a credit card for only a short period of time; usually 6 months. After that time the low introductory rate goes up to a higher fixed interest rate. The low introductory interest rates sometimes appear really good, but might actually cost you in the end.If you are planning to pay off the balance before the introductory rate expires, then credit cards with a low introductory APR or low interest rate can actually save you money. However, if you plan to own a credit card for an extended period of time then a fixed low interest rate card might be right for you. With a fixed low APR credit card you know what your interest rate will be.2. Fund some or all of that new or used car – Using a low interest credit card for this purpose could potentially be a less expensive alternative to the auto financing offered by the dealer. Since a credit card loan is unsecured, your car would not be in danger of repossession down the road if you hit a rough patch financially and had trouble paying back the debt (although your credit would still be damaged).With financing from the bank, monthly payments are fixed for the loan term. But using a card to buy a car means you have the option of simply paying the minimum monthly payment, if need be, whereas not paying the bank loan in full could result in a hit to your credit history.Furthermore, paying for a car with your low interest credit card means no waiting for loan approval. You can skip discussing loan rates and loan approvals with the car salesman, since your credit line can be used like cash whenever you decide it is time to make an auto purchase.Still, you need to cautious when buying a car with plastic. Among the dangers, your low interest rate is probably for a limited time and could jump once this introductory period ends. Be aware also whether the low interest rate applies to new purchases or cash advances as opposed to simply balance transfers from other credit cards.Be smart when you apply for the best credit cards. Do comparison shopping for and find one that will give you the benefits of low interest credit cards.All rights reserved. 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3 Mistakes On How To Make Money Online
In this 21st century era, the internet has taken most of the big businesses trading around the globe. It is no doubt that making money online is booming real fast. What used to be deemed by the society as fraud, scheme… etc all sorts of negative impression on the internet has now been replaced by praises. The internet has enable people to escape the 9-5 job routine and create their own online business.We have heard many people are earning a lot of money from the internet. Make money online has been a dream for many since then. Whatever their end desires are, it can be summarized as below on why people what to start an online business and make money online.1.) They own the business. No longer need to repeat the same old 9-5 routine.2.) Earning margin is unlimited. There is no limit to how much you can earn online.3.) Enables you to reach to audience of worldwide.With all the benefits above (and more!), it is no wonder more and more people are looking into making money online.However, the real question hits everyone who wish to start an online business real hard. The question is: How can I start to make money online then? The moment people ask this question, a sense of fear immediately arises in their blood. It is because they have never done anything like that before, and have all the pre-conceived notion on what the online business is.Here are the 3 mistakes that you need to avoid when it comes to build your own online business and start to make money online.Mistake number 1 – You need to be extremely good at programming and coding in order to make money online. Doom is the age of alien languages, now is the era of drag and drop! To build an online business, you don’t need to know even a single line of code. Many times people have been told that to start an online business you will need to at least master the foundation of programming and all the technical knowledge. Truth and the good news is, you don’t have to! With all the technologies in place now, you can even create a website in less than 30 minutes without facing the alien languages.Mistake number 2 – Sell service. By selling service you are exchanging time for bread. You can’t pull yourself out from the equation when you sell service. Simply put, you stop earning money online the moment you stop working online. Make sense? The better way would be to sell information digital products. Not only it’s earning margin is high, you can put it in automation as well. That means you can earn money even when you are away, even when you are not managing the business.Mistake number 3 – You need to get a Master Degree in designing a website. Scrap this. All you need is a good course that teaches you the right way of doing marketing online to drive traffic to your site. Let’s face it, without traffic, your beautiful website will be rendered as useless. It is because no one is looking at it! Marketing is the important puzzle that gives you revenue, not the look of the website.With these 3 mistakes to avoid, you can literally be relief to start to make money online. As long as you put the efforts in it and be patience, you will see result. Build an online business and make money online are real. Don’t be chickened out by those deceiving 3 mistakes!
Use and News of Gadgets and Gizmos
Gadgets are small or big instruments usually controlled by remote or they are self driven. These are cleverly designed objects which can help human in almost any work or play. Some of the well known and widely used gadgets are mobile phones. Mobile phones have recently become the major part of human life and are used to directly stay in contact with friend, family members and colleagues. Nowadays due to the advanced technology the gadget like a mobile can also be used for many other things like surfing, location finding, emailing and also for socializing. Wireless technology has gained lot of importance due to the easy and convenience that kids at all age groups enjoy. Remote Controlled cars, helicopters, candles and many more gadgets are available in the shops.Gadgets are even considered as good gifts or presents. Gadgets are available in different variety based on age groups and use. Children have many toy options that entertainment such as a robot or an automated car, remote controlled helicopter etc. Mobile Phones, Laptops, iPhones, iPods are some of the well know and common gadgets used world wide.As far as the invention of the term gadget is concerned the word has different interpretations that have come up from various people and countries. It started way back in the 19th century. Some say the word gadget came from the builders of the statue of liberty. Few say the word was used even before by the USA and few say it is French word derived from the french term “gachette”. Whatever is the derivation of the word we should be keener in looking for a gadget that suits our needs.