It is a fact of modern life that credit cards are an increasingly essential financial tool. There are many situations in which if you do not have a credit card, you will either be unable to pay for goods and services, or to take up special promotions. There are also countless more situations when having a credit card will simply be extremely convenient. Credit cards are also safer than carrying large amounts of cash around with you, especially...more
Do you know what your credit card is truly costing you and how to lower credit card interest rate? Many people assume that they do, but aren't familiar with the hidden fees that many credit card companies are charging. In fact, if you don't keep close tabs on your credit card, you may end up paying hundreds of extra dollars per year—without ever really knowing it!And if you're trying to budget your money, those hidden fees can add up!Let's...more
There's another term for it, but I prefer OPGI for three reasons:1. Nobody's ever heard of it and it arouses curiosity,2. I think it's more complimentary to the people involved,3. It's less likely to turn people off than "swipe" file.So what DOES OGPI stand for?It stands for Other People's Good Ideas.Let me ask you a blunt question. Just how creative are you? Do you believe that you can write exciting, order pulling ads off the top of your head? Sure you can, but are there other people doing it more effectively than you could? Really, just how good are you at that sort of stuff?(Aside here: If you are really great at it, have I got a deal for you! Now back to the rest of us.)I'M WILLING TO TELL YOU THAT I'M NOT THAT GOOD AT IT!Most of us are not that great at creating effective ads and ad copy. Simple fact. Even if we have the basic talent, there's going to be a lot of trial and error before we get it right.Whenever we want to learn a new technique or skill, we go to the experts. We read books, we watch professionals at work, we listen to the instructions of those who have been there...done that. We do this all in order to acquire the basics and refine our skills as they develop....more
Think about it. If people would normally pay all their credit card balances in time, then what is the purpose of interest rates? None. And how will people get the benefits that their credit card company claims? It is through the credit card rewards.These are freebies or prizes designed to make the "big boys and girls" happy because they had been...more
Building your credit history is important in today's time, especially since the laws are changing. We are moving into a system that is making it difficult for us to get ahead unless we have excellent, or at most good credit history. Credit is important to rent, obtain student loans, and apply for loans or credit cards, as well as getting jobs....more
Back during the late nineties, a conversation at a swank Auburn Hills, Michigan, French bistro turned heated when the talk shifted from personal pleasantries to discussing the ending of one of the most storied names in the automotive world: Oldsmobile. Gathered together in a separate room, the eight men and one woman were tasked with the responsibility of plotting multi-brand strategy for General Motors as well as to discuss concept cars that would make it off of design team drawing boards and onto production lines.Suddenly, a red faced, balding middle aged man got up and left the group, and walked at a clipped pace through the crowded restaurant and out onto the front sidewalk. The remaining group was stunned, but the silence was soon broken by the leading EVP who announced what everyone already knew: the Oldsmobile name would be abandoned and Saturn would take its place in the GM line up.This scenario is, of course, fiction but it is representative of some of the behind the scenes jockeying that took place leading up to the decision for General Motors to lay the venerable Oldsmobile name to rest. Dealer buy outs, model shifting, and brand reassessment were all to dominate GM...more
If you have a history of bad credit and are unable to obtain a mainstream credit card, then prepaid credit cards may be just the answer you are looking for.First of all, although prepaid credit cards are accepted at any retail outlet where the credit...more
In the United Kingdom, the credit card phenomenon is not at all different from what the United States or any other country has for that matter. This just goes to show that a lot of people are finding credit cards as feasible means as well. However,...more
Credit cards that are used in moderation could be helpful in managing your finances. This means that splurging through the use of credit cards is almost financial suicide. Here are few tips to manage the way you use your credit card to prevent you...more
In today's world, there are a lot of things that its very difficult to live without. One of them, is credit. Can you imagine trying to save up for a car until you had enough cash to just pay for it outright? Do you think you would be able to pay for...more
Millions of people use credit cards all around the world. A huge chunk of those users made mistakes when dealing with their credit cards. The consequence of the errors is costly. A lot end up in debt and most of the time these are the people who rant...more
Looking for Ways to Improve the Bottom Line? Think Print!If this sounds ridiculous to you then chances are you really should read this article. Fact is that print is one of the biggest areas of unregulated expense within an organization. In fact,...more