What is your dream house? If you have one let me know by fill in the comment box :). Let me introduce (explain) my dream house. I don’t need big house, medium house is OK for me. My house should cozy, homey, and make me comfort stay in. I love modern minimalism style. Should have 2 floors or more. Simple and unique exterior, small garden with couple chair and table near the street. Bigger garden in the house for family and barbecue. Clean garage for 2 or 3 cars. Cozy kitchen and clean. I love to cook with my wife sound great and romantic ;). Small home theater with wide screen LCD and good sound system. Pool, do we need pool in the house? I don’t think so. Small pool is OK I guess. The house must have a lot of windows that let sunshine and wind go inside. So I don’t need any lamps On all day long. No air conditioning because this house have a lot of window right? It is save big bucks in a year.
Continue reading “Let’s Dream Our House”
It seems that every month, if not every week, different manufacturers are coming up with the latest digital cameras to entice potential clients. And it’s just not working for us!
After spending sizable amount of time at the mall figuring out which is the best digital camera for us, we finally have enough money to buy for that eye-popping, 7 mega pixel, 10x digital zoom, potable, candy colored, up to 512MB expandable memory of super hi-speed SD memory card and not to mention very portable, (that will be the envy of almost everyone we know). We march to the mall armed with our life savings and lotsa pride in ourselves, when we pass by a new display - an eight mega pixel, up to 1G expandable memory, with built it mic and stereo surround, video playback capable, with 22 scenic modes kind-of-camera. And we sigh because the producer of this amazing gadget claims that this is the best digital camera yet out in the market. And so as we always want to have the best, armed with our life savings and a few credit cards, we buy the “best digital camera.” But then again, that doesn’t last too long, after two months or so, there’s another “best digital camera.”
And so it confuses us. What makes a digital camera, the best digital camera?
Well, there are certain factors to consider when looking for the “best digital camera” for us.
MEGAPIXELS. One of the most important features of digital camera to make it into the best digital camera category is its mega pixel property. The higher the mega pixels the better the actual photograph will come out. A mega pixel is equivalent to one million pixels. The resolution of your image is based upon the mega pixel property of your camera. This means that as you enlarge the picture, you would get more detail and less blurry colors. Continue reading “HOW TO FIND THE BEST DIGITAL CAMERA”
Consider a company that gives “free period” or grace period over others. Because without free period, the card issuer may impose finance charge from the date you use your card or from the date each transaction is posted to your account. Free period allow you to pay back your balance in full before due date in other to avoid finance charges and it’s usually mail at least 14 days before the due date, giving you enough time to pay.
Periodic rate of a credit card is another term you have to know about. This is the amount of interest that is charged for a single period of the year. It can fluctuate from month to month.
Another very important term to take note of is APR (Annual Percentage Rate) which is the measure of the cost of credit, expressed as a yearly rate. APR often changes when there is a change in interest rates or other economic indicators. Still companies must disclose this before you open the account and on your account statements.
Preset Credit Limits: some card issuing companies have a preset credit limits on their cards. Continue reading “Important Credit Card Plan terms you must consider (2)”
Credit card companies keeps pushing hard to get more customers daily by giving “pre-approved” card offers to would be clients through mail. Chances are you’ve gotten one of this offers in your mail in recent days. Such promotion has being in existences long before now. Though getting such card is good to some extent and getting one will be helpful however, you don’t have to rush into getting one without considering the plan terms associated very well.
There are lots of plan terms that you really need to study very well while shopping for credit card if you are not ready to put yourself in financial prison. These terms affect your overall cost. In this article we will take a look at some of this credit card plan terms you need to consider before choosing a company to deal with. Get a cup of coffee while we discuss each of terms you need to consider.
Reward program is term used for marketing strategies used by most banks or issuing banks to get more customers. They designed additional incentives to convince clients to get card from them. There are several types of rewards programs. Most common are free airline miles, cash back from purchases, and instant discounts.
Nowadays, lots of people depends on loan, or other form of credit to acquire new car, pay off bills, finance home improvements, pay for long awaited vacation, consolidate debt, and other important things. Before you can get loan from bank, they will have to consider your credit rating.
In the past, if you have bad credit you may find it difficult to get loan most especially secure personal loans. However, it’s now possible for people with bad credit to obtain loan from banks and other financial institution with ease.
Most banks have realized that bad credit can happen to anybody. They believe that it’s possible to improve your credit score or totally change your bad credit, thus they prefer giving second chance to people with bad credit to give them the opportunity to proof their abilities. This type of loan is called bad credit loan.
Bad credit loan provides people with credit problem to improve or create a completely new credit history by starting afresh. Continue reading “How to get loan even if you have bad credit”
There is a credit term call grace period - it’s a period within which you may pay your bill without being charged interest. It’s usually a period of 25-30days before interest kicks in. Recently, most issuing companies are eliminating this grace period and instead offering a low fixed interest rate. The question now is - which one is better between grace period and low fixed interest rate?
It will be a bit difficult to have one answer that will favour everybody. Some prefer paying their bills in full within the normal grace period. To this group of people the grace period will be better. It will be advisable for them to shop for grace period cards and avoid no-grace-period cards.
Some banks do charge interest from the day they process your charge slip when you use your card to get cash. If you normally pay your bill in full you still need to shop for card that offers very low interest rate plus grace period, if you are to avoid interest charges on your account. However, for those that usually carry a balance each month, the low interest rate will be good for them. If you are in this group you can even shop for institutions that periodically offer cards with no fee for the first year. Continue reading “How to avoid high interest charges on your credit card”
Credit cards offer you so many advantages. With credit card you can purchase several things you need to make yourself more comfortable. But despite all the advantages that comes with holding a credit card it can create a lot of problems for you if you are not careful.
It create a lot of problems for some people if you are not careful you can end up incurring high finance and interest charges that will make it almost impossible to repay back your bill and thus, lead you to huge credit card debt you may never get out. However, it’s possible for you to stay clear of debt if you can follow few tips provided in this article and that of your finance consultant.
Consulting your financial advisor is very important when you are thinking of applying for credit card. You can both reason together on your financial needs.
When you get the card make sure you keep every receipts and compare them with your monthly bill, there may be discrepancies which can drown you in debt if you don’t discover it. Once you discover any, report to your credit card company immediately. Continue reading “Buy Now Pay Later – Disadvantages of using credit card and how to get over it”
It’s very easy to get a new major credit card of your choice these days. The most important thing has always been the state of your credit rating. Since your credit will be rated on your relationship with lending companies and banks, it’s very possible for you to improve or even build up your credit ratings with banks.
If you make sure that once you get loan you always make payments by the agreed time, sooner, you can move to another credit procurement program like getting Visa or Master card from all major banks you’ve borrowed from. These will be possible for you because they already know more about your credit rating.
As a matter of fact they have record of your transactions with them. Once you are able to get card from these banks you’ve been dealing with before, it will be easy for you to get credit card from any other banks that provides same service.
What most people that are dying to get new credit cards don’t know is that most of these banks are also looking for new customers. They are always ready to do everything legitimate to get you because they know they will profit from Continue reading “How to get credit card of your choice”
Nowadays, everybody wants to have at least a credit card. Everywhere you go you see adverts from various banks and other financial institution offering you credit card. However, before you apply for a credit card, there are several factors you need to consider. So it’s very important that you know more about the types of cards available, and one that will work best for you.
Secured credit card: - Secured credit cards are types of card that requires a security deposit as collateral before you can get approval. Its type of card that best suit the need of people with no or poor credit who are trying to build their credit history. Your collateral must be equal or greater in value of the credit amount you are applying for.
It can be anything of high monetary value like boat, jewelry, shares, house etc. Just like any other cards, you have to make sure that you study the terms and conditions associated with this card very well before taking the card. It’s even very important in this case when you are building your credit history.
Continue reading “Credit cards: - types and what you need to know about them (1)”
Despite the fact that U.S Government make it very clear that nobody can repair your credit except you, the credit repair companies keeps growing in number very blessed day. They will promise you heaven and earth just for you to buy their service.
One very important thing most people that are still taking the service of the credit repair companies don’t understand is that government’s advices are often based on advices of experts. They charge upfront fees, maintenance fees, and monthly fees, all of which you are supposed to place in a trust account.
Why should you in first place pay somebody to help you fix your credit, when it’s obvious that most of their results are often temporary? You will end up losing more money.
When you use the service of credit repair companies to fix your bad credit you will be forced to share your personal information with them before they can do anything about your credit. The meaning is that you are liable to identity theft and unwanted mailings you did not solicit for from other companies trying to sell you something. Continue reading “Absolute truth about credit repair companies”
