Using a credit card has become a very common way for a family to pay for the items it needs and wants. According to CardWeb.com, a firm that tracks the credit industry, the typical American family of four carries about $8,100 in installment debt-most of it in credit cards. At 18% interest, that costs them nearly $1,500 a year or $125 a month they can't spend or save for anything else.How many credit cards do you currently have? - Make a list of...more
Travel reward credit cards are only a great benefit if you travel frequently. While that may seem trite it needs to be said. You may think, "what a great idea - travel reward credit cards. I might want to take a vacation next year." You're probably going to find that if you only travel once in awhile the benefit of the travel reward credit cards is offset by the higher APR (annual percentage rate) annual fee, or other charges clear or hidden....more
"I make a living online!"That's a statement right? Right!But is it a statement of fact?Who knows?Well, I do because I know it's true, but how do you know I'm telling the truth?You don't of course. But there are some things you can look for that will help you decide.How often have you seen something like: "Make a ton of cash - now!No sellingNo MLMNo stock to buyNo customers to deal withJoin our upside-down, instant-cash matrix now and get rich!It goes without saying that the above is dubious to say the least. Yet, many people fall for ads like this on a regular basis.So, the old saying "If it looks too good to be true, it probably is", could be words of wisdom.Golden Rule: Go with your gut feeling.Let's get down to brass tacks (sorry about that, my parents are English and they talk in a strange tongue which rubs off on me sometimes).Grade these statements:1. Anyone can make a living online!2. You don't need capital to start a business!3. It's much cheaper to start a business online than in the 'real world'!4. You don't need to sell products or services to make money online!5. You can make money instantly online!These are my thoughts on the above:1, 3 & 4 - generally speaking, true.2...more
Free credit cards - what a concept! We're all enticed by the very word free. The more common term for free credit cards, however, is 0% (or zero percent) APR credit cards. APR stands for annual percentage rate. In other words, free credit cards can refer to those that charge you no interest on the purchases you make with them. Years, and decades...more
My world got smaller, my business grew five times over, and I got talking.I'm a web designer and I work wacky hours, push buttons on a computer, talk to a lot of people, send out email, drink coffee, like the Discovery Channel and enjoy running my own business. My business consists of working with people, helping businesses out, generating ideas,...more
Well, it is that time of year again, and everyone is full of resolutions. Let me guess - did yours include the words 'weight' (less of), 'money' (more of), 'job' (none of)? Well maybe it is time to think seriously about starting your own home based business, either part-time or as an alternative to the job that has seemed so dismal recently. The technology available to all of us now costs so little that many more ordinary people can get a slice of the enterpreneurs' pie, with the latest home based business ideas. Online shopping took off in a big way this Christmas. Supermarkets struggled to meet orders following a sharp and much bigger than expected rise in demand, while traditional High Street retailers faced increasing pressure from online rivals. Internet sales for Christmas 2005 were 50% above the 2004 pre-Christmas period, and the average spend was also high, according to IMRG, which represents e-tailers. "Britain's 24 million internet shoppers spent £2.253 billion online during November, an average of £94 each," IMRG says. This view is repeated by consultants Deloitte. "More than half of UK consumers made an online purchase this Christmas." Britons spent more...more
Broker's have predicted that the housing market is set to bloom in 2006.After house prices dropping for 16 months in a row BBC news has reported that house prices are set to rise again in 2006, although gains will be small.Nationwide is said to be...more
What does "Credit Score" mean? A measure of credit risk calculated from a credit report using a standardized formula. Factors that can damage a credit score include late payments, absence of credit references, and unfavorable credit card use. Lenders...more
There are a multitude of different lender types in the housing market and before refinancing or borrowing it pays to know who's who. Each option has it's pluses and minuses it comes down to choosing the person or institution that suits your needs and...more
Making a budget for a home business start-up is more of an art than it is a science. No matter how exactly you think you've pinned down all your expenses, it's guaranteed that more will appear that you either didn't think of or just couldn't have...more
When you're starting a business, you might wish for a lot of things, like having more than enough customers or not having to do marketing. But wishing is weak willed, having no momentum behind it. When you wish for something, you're not coming from...more
As you continue to build your small, local business, one of the easiest marketing approaches in attracting new customers is to embrace your community, while using your web site to gain recognition. A strong community presence brings about notoriety...more