Getting a credit card is a big responsibility
Owning a credit card can be quite an advantage. Whethermaking online purchases, booking an air ticket or a hotelroom on the phone or simply being in need of someemergency cash, having a credit card can be a big help.However, getting a credit card is also a hugeresponsibility and if you don't keep an eye on yourspending habits, credit cards can create some seriousproblems. Here is an excellent list of tips on propercredit card use and if you follow these, you will likelystay out of trouble and your credit card will be ablessing instead of a curse:1. When you make a purchase with the credit card, itis akin to taking a loan from your bank. What youhave borrowed has to be returned - so do not borrow beyondyour capacity to pay it back.2.
Always be aware of your outstanding credit cardbalances. This will help you determine whether you canmake additional purchases. Even small purchases can reallyadd up to big balances and substantial interest charges.3.Any credit card receipts should be kept until you cancompare them to your monthly statement. If you find anypurchases you did not make, or higher charges than those onthe receipt, contact your credit card company immediately.4. don't give your credit card to anyone, not evenfriends and family.
Its not that you cant trust thesefolks but it would be really difficult to track purchasesif you are not the only one making them.5. don't ever borrow more than your ability to pay itback. If you do and consequently arent able to pay itback, it can hurt your future ability to obtain otherforms of loans such as home mortgages, car loans etc.6. Pay your credit card bills on time or even beforethey are due. Doing so will not only help improve yourcredit scores, but also help avoid additional costsassociated with late payment charges and accrued interest.7.
Try to have your credit card bills paid in fullevery month. To ensure this, budget your credit cardpurchases on a monthly basis and then don't allow yourpurchases to exceed that amount.8.Keep your credit cards for new purchasing. don't pay onecredit card bill with a different credit card. This willinevitably lead to more charging and higher balances. is the President of FNCredit - An excellentresource for information on credit.
To learn more, be sureto visit:http://www.fncredit.comGetting a credit card is a big responsibilityOwning a credit card can be quite an advantage. Whethermaking online purchases, booking an air ticket or a hotelroom on the phone or simply being in need of someemergency cash, having a credit card can be a big help.However, getting a credit card is also a hugeresponsibility and if you don't keep an eye on yourspending habits, credit cards can create some seriousproblems. Here is an excellent list of tips on propercredit card use and if you follow these, you will likelystay out of trouble and your credit card will be ablessing instead of a curse:1. When you make a purchase with the credit card, itis akin to taking a loan from your bank. What youhave borrowed has to be returned - so do not borrow beyondyour capacity to pay it back.2.
Always be aware of your outstanding credit cardbalances. This will help you determine whether you canmake additional purchases. Even small purchases can reallyadd up to big balances and substantial interest charges.3.Any credit card receipts should be kept until you cancompare them to your monthly statement. If you find anypurchases you did not make, or higher charges than those onthe receipt, contact your credit card company immediately.4. don't give your credit card to anyone, not evenfriends and family.
Its not that you cant trust thesefolks but it would be really difficult to track purchasesif you are not the only one making them.5. don't ever borrow more than your ability to pay itback. If you do and consequently arent able to pay itback, it can hurt your future ability to obtain otherforms of loans such as home mortgages, car loans etc.6. Pay your credit card bills on time or even beforethey are due. Doing so will not only help improve yourcredit scores, but also help avoid additional costsassociated with late payment charges and accrued interest.7.
Try to have your credit card bills paid in fullevery month. To ensure this, budget your credit cardpurchases on a monthly basis and then don't allow yourpurchases to exceed that amount.8.Keep your credit cards for new purchasing. don't pay onecredit card bill with a different credit card. This willinevitably lead to more charging and higher balances..
Connie Gutchrif is the President of FNCredit - An excellentresource for information on credit. To learn more, be sureto visit:http://www.fncredit.comAsk Yourself
With the beginning of a new year, are you happy with your life the way it is now?
You just set new goals and resolutions for 2003 but are you satisfied with where you are now?This is a serious question that you need to ask yourself.
You can't get to where you're going if you don't know where you've been.
You need to appreciate what you have now in order to be able to receive more.You want more money to flow into your life but are you grateful for what you have now?
True it may not be as much as you would like to have but doesn't it pay the bills now?
And if not all of the bills, doesn't that money help in some way?Instead of looking at the negative aspects of life - turn them around and find the positive part.
Just like a battery, everything in life has a positive and a negative side.Your outlook on a potentially negative situation can alter your future.
By focusing on the negative parts, say you have an older car in need...
Car loans > Ask Yourself
Armchair Millionaire Community Bulletin: Keeping the Cash Flowing
Think about your personal finances the way business owners think about their businesses. They know that no matter how much money the business is making, they have to have sufficient cash flow to make payroll and keep the lights on. Without this cash flow, the business falls apart. It's the same with you: No matter how much you earn, you're headed for financial ruin if you consistently can't pay your bills.Fortunately, there's plenty of practical cash management experience in the Armchair Millionaire. Here are just two tips we've gleaned:"We record all of our expenses (and keep all of our receipts) every month on simple worksheets listed by categories--groceries, entertainment, car, medical--as well as regular monthly bills.
Spending an extra $30, $40, $50 on something you don't need becomes harder when you know you have to write it down at the end of the day. Keeping the receipts makes it a lot easier to return something, to take advantage of rebate offers and to itemize taxes."...
Armchair Millionaire Community Bulletin: Keeping the Cash Flowing
Car loans > Armchair Millionaire Community Bulletin: Keeping the Cash Flowing
?Risk Your Life? Video Game on Fast Track Sponsors Porsche Sigalsport Racecar at Rolex 24 Hours at Daytona
Planetwide Games, the publisher and distributor of the Massively Multiplayer Online Role Playing Game (MMORPG) "Risk Your Life: Path of the Emperor," announced today that it is sponsoring the Porsche Sigalsport racecar at the Rolex 24 Hours at Daytona, February 3-6, 2005.
The sponsorship coincides with the North American launch of the worldwide "Risk Your Life" video game which currently has over 8.2 million players. The launch follows a successful North American Beta Test of over 200,000 registered players. In 2003, 88 million people played online video games worldwide, a number that is expected to grow to at least 200 million by 2008."Planetwide Games is thrilled to be a part of the Rolex 24 Hours at Daytona and our sponsorship of the Sigalsport Race Team," states Kevin Donovan, President of Planetwide Games. "Both Video Gaming and Auto Racing are adrenaline rush, high octane forms of entertainment.
Worldwide players of "Risk Your Life" tell us there's no greater rush...
?Risk Your Life? Video Game on Fast Track Sponsors Porsche Sigalsport Racecar at Rolex 24 Hours at Daytona
Car loans > ?Risk Your Life? Video Game on Fast Track Sponsors Porsche Sigalsport Racecar at Rolex 24 Hours at Daytona
Armchair Millionaire Community Bulletin: Keeping the Cash Flowing
Think about your personal finances the way business owners think about their businesses. They know that no matter how much money the business is making, they have to have sufficient cash flow to make payroll and keep the lights on. Without this cash flow, the business falls apart. It's the same with you: No matter how much you earn, you're headed for financial ruin if you consistently can't pay your bills.Fortunately, there's plenty of practical cash management experience in the Armchair Millionaire. Here are just two tips we've gleaned:"We record all of our expenses (and keep all of our receipts) every month on simple worksheets listed by categories--groceries, entertainment, car, medical--as well as regular monthly bills.
Spending an extra $30, $40, $50 on something you don't need becomes harder when you know you have to write it down at the end of the day. Keeping the receipts makes it a lot easier to return something, to take advantage of rebate offers and to itemize taxes."...
Armchair Millionaire Community Bulletin: Keeping the Cash Flowing
Car loans > Armchair Millionaire Community Bulletin: Keeping the Cash Flowing
5 Steps to A Great Rental Car Experience
There are times in one's life when the use of rental cars cannot be avoided. When someone plows into you at an intersection, when you are taking a 2-day trip and your compact car just does not have enough room to stretch out, these are times when you are happy that there are rental cars at your disposal. Before you rent that car, though, you should know some things about the process.
1- The first step involved in obtaining a rental car is to do research on the companies in your...
Car loans > 5 Steps to A Great Rental Car Experience
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