Our world of Credit Cards! Which One Is Right For You.
There are not many of us who do not have a credit card these days. But, not all of us are as wise in the area of understanding how they work and how they make money. There are many types available to the young and old. Student credit cards even begin to get teenagers into the world of credit cards. Secured credit cards, cards that usually cant be written off, are even misleading in their name. So, what does that discover credit card in your wallet actually do for you
Even young adults are being lured into the world of credit cards. Student credit cards are widely available. Some link the parent to the card, others are geared towards college students who most of the time dont even have jobs to pay for them. They seem like a great way to pay for college expenses, but the fees can be outrageous.
A big trap is secured credit cards. While there are always options out there that are legit, there are many others that are not. Often times, people with little or no credit or even bad credit can get a secured credit card. These are credit cards that are linked to savings accounts which require a minimum balance to be kept. While this seems easy enough, if you default on it, they can claim their money through that savings account. Another aspect of these types of credit cards are the fees associated with them. They often require set up fees, sometimes in the hundreds of dollars. They may have monthly and yearly fees as well. They may seem like a great way to establish or reestablish credit, but you will need to read the fine print for the secured credit card.
The goal of any credit card company is to make money. They do this by charging you an interest rate. The rate varies greatly from one company to the next depending on your credit status and credit history. But, your goal is to find the low interest credit cards. Many times, if you are in good standing with a credit card company, you can call them and request that they consider you for an interest rate cut.
Next to paying off your entire credit card bill each month, finding the lowest rates is often very important in order to save money. With the Internet as a tool, you can search for different types of credit cards and learn which companies offer the lowest rates. Many companies are equipped to take and accept credit card applications online within minutes. But, be wise and read the fine print to avoid falling into traps and outrageous fees.
Plans Arent Wine, And They Dont Always Age Well
The following crossed my desk recently. The author gave me permission to share her story:
The Polygraph as a Truth Detector
The Hidden Danger of the So-Called "Right to Die"
In October of 2003, the case of 39-year-old Terri Schiavo once again brought into focus the debate over the so-called "right to die." The Florida woman was temporarily removed from her feeding tube via a court order received by husband, but was put back on it a few days later when the Florida legislature authorized Governor Jeb Bush to issue a stay. As of this writing, her fate is still being debated in the courts and her case might now be headed for the U.S. Supreme Court. But I wonder if the right to die is something we really want I always shudder a bit when politicians start talking about giving me more rights. Rights have a funny way of morphing into obligations.
Lying: Yes or No
What about little white liesWhat about when your partner asks you if this dress makes her look fat.What do you thinkIs it OK to lie to a person we care about for a kind reason, like to make him feel better and more secure, or to avoid a fight.As long as our heart is in the right place, even experts say that honesty isnt always required.You dont have to tell the whole truth if it will hurt your partner or if its something he cant change. "
Social Security Disability FAQ
WHAT ARE SOCIAL SECURITY DISABILITY BENEFITS
A College Loan Will Finance Your Education!
A college loan has given people all over the United States a chance to further their education, even if they are not making a lot of money. Education loans can be a big help in paying for college. Youll find these loans offer a low interest rate and a generous repayment period. Of course, student loans must be repaid, usually with interest, although some education loans have provisions for cancellation if the borrower performs a program-related service.If you are looking for a loan, be aware that there are many different types of loans.Try to find the student loan that fits you the best.For example, there is a loan called the Federal Stafford Loan. The Federal Stafford Loan is the most widely used loan in the student education loan program. Federal guidelines limit the maximum interest rate to no more than 8.25% and outline repayment terms of up to 10 years.Remember that if you ever need help or are falling behind on payments, consider a consolidate student loan.
The Hypocrisy of Insider Trading Laws
Perhaps Walter Williams and I are the only two people on earth who can see the hypocrisy of insider trading laws. I somehow doubt it, though. Williams wrote a column about a year ago, lambasting these laws and Im going to pick up where he left off. These laws run counter the notion we accept in every other aspect of society that life is unfair. In every facet of life, there are people who have access to advantages that others do not have. However, we dont attempt to make these advantages illegal except when it comes to insider trading.
The United State Court System, an Eye for Research
A Cup of Tea, Coffee, or Something Else www.quiettable.com
Divorce: Coping With The Family Law Process
Seatbelts: a Life Saver or a Taker
Seatbelts definitely save lives. Some of them have a locking feature which is truly amazing because you can pull it out all the way and let it pull back. You can also lock it and itíll not slide out until its been pulled back all the way again. When youíre on a spirited drive, its good to have something to hold you into your seat as you take a tight turn at speed. Also, if you spend time cruising down the middle of the road, itís better to have at least one seatbelt to comfort you.
Identity Theft Scams
Identity Theft scams continue to flourish on the web.One that you need to be aware of and beware of is any site that seems to be selling high-demand items digital cameras for instance at a much lower almost unbelievable price than you can find on other sites or the manufacturerís site.
Living Will And Durable Power Of Attorney For Health Care. What Is The Difference
A Living Will is a legal document addressing only deathbed considerations; a client unilaterally declares his/her desire that life-prolonging measures be discontinued when there is no hope of ultimate recovery.
Stopping Home Foreclosure
A Foreclosure Prevention Service has numerous ways it can help you deal with the foreclosure process. Under the law, you have a right to remain in the property for a certain period of time. If you canít pay the full amount owed without creating a hardship for your family you need a legal review of your situation, your rights, and your choices before you agree to anything. Protect yourself and your family.
Is Asset Protection Legal
Perhaps youve heard of or seen Hollywoods portrayal of Swiss Bank accounts, Offshore Trusts and Corporations, and Tax Havens of the rich and famous as jet setting moguls live mysterious yet exciting lives.
Lawsuit Loans which are also known as pre settlement cash advances allow a financially strapped plaintiff to access a portion of their future legal settlement to pay todayís necessary living expenses.Personal Injury and worker compensation lawsuits can take years to resolve and large insurance companies have the financial strength to legally delay the process which can financial ruin an injured claimant who is looking for a fair settlement offer.
Gathering The Required Data For Your Personal Injury Case
You must be prepared before speaking with any of the insurance companyís representatives. Collect all important documents and evidences, including the photographs, police and medical reports, and statements of your witnesses. Take notes of important details and review the policies given by the company. Do not say anything that will cause your claim to be denied. Examine every photograph; they might see an angle that may be turned against you.
Health Insurance Coverage
Health insurance is something that everyone needs today. The rising cost of visiting a health care provider or a hospital stay makes it imperative that everyone have some type of health care coverage. Government statistics estimate that over 40 million people in America are not covered by any type of health insurance on any given day. Thats an enormous number of people who really are taking a financial risk.
Lawsuit funding, also known as pre settlement cash advances, are a form of non-recourse funding that has become a popular service in the past few years. Injured clients all over the United States can use this service to get cash for their lawsuit now. Funds advanced can be used by the client for any immediate financial pressures including mortgage payments, credit card bills, to get out of debt, car payments and more.
Debt Consolidation.Just lump it all together!
In a world where people use credit as much as they drink water, it is no surprise that so many people need debt consolidation loans. Debt consolidation loans sound like a good way of getting your debt cleaned up, but are they If you need help getting out of debt, consider all your options before choosing. You will be surprised to learn what is available to help you.
How Pre-Settlement Lawsuit Funding Works
An injured person contacts a company that offers pre-settlement lawsuit funding, sometimes at the suggestion of an attorney. The finance company contacts the lawyer who is handling the case, and obtains information about the case. Based upon that information provided, the loan company estimates the value of the likely eventual settlement or verdict, and offers a cash advance to the injured person based upon that estimate. The fee may be a flat fee, or a monthly fee that accrues each month the loan is outstanding. When the case settles, or the defendant pays after losing in court, the loan and associated fees are paid to the finance company.
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