Sorting Out Visa Credit Card APR Rates Including Low Fixed Rate a

By Caden Flynn

Visa credit cards are very popular, and there are many options including cards tailored to the needs of students, individuals, and both large and small businesses. The credit limits range from $250 on up, and you can apply for a card online. It can be a little daunting to select the card you want, but there are some tips to make it easier for you.

When you apply for a Visa card, you'll need to prove you have a job and offer copies of your credit reports and a little personal information. Of course, be sure to read the terms and conditions carefully before applying for the card. Because there are many different cards available, it can be tricky to sort out the differences. However, reading the fine print is very important in order to find the right card for your situation.

Many Visa cards have a zero percent introductory interest rate. As long as you pay your bill each month on time, you will not be charged interest. Some Visa cards offer point rewards which can be traded in for items from a catalog, or a cash back system which offers 2 percent or more, up to $500 per year.

It is very important that you make sure that the card offers a hundred percent guarantee against fraud, and no liability, so you will not be responsible for the charges if your card is used for fraudulent transactions. A few credit card lenders may charge you for items purchased after your card is stolen, so be sure to watch out for this fine print.

One popular card is the Low Interest City Platinum Select. This card has a 0% introductory APR for up to one year, which increases to 10.49%, with no annual fees. However, there is some fine print for this card. The zero percent "promotional rate" will increase if you do not pay your other creditors on the dates your bills are due. If you use your card overseas, it will cost you 3 percent on all purchases. Clearly, reading the fine print is very important when signing up for a new card.

The Chase Platinum Cards are also popular, and they offer low introductory APR rates and no annual fees in addition to flexible awards program. The card comes with a points reward system, but the APR skyrockets to 21.99 percent after the introductory period ends. While this particular card only has a few restrictions, it is still important to read them before applying for it.

The Discover Platinum card, another popular option, offers a 0% introductory APR, with no annual fees and cash back rewards. However, again there are some restrictions, which is why it is important to read the terms and conditions. Some cards have many restrictions on their offers, while others do not. Above all, be careful that you understand the credit card company's offer, and do not trust the ads to tell you the full truth.

About the Author:

The more you know the better decisions you can make, like the topic of chase flexible awards. Click on the link to visit http://www.debtjerk.com/chase-flexible-rewards-card-excellent-for-travelers-or-point-collectors.html.

Orchard Bank Credit Cards

By Daniel Moskel

The Orchard Bank card is issued by HSBC Bank, one of the largest and most reputable banks. This card is designed for those with a damaged credit score.

They have a unique application process. They will match your credit score with the four cards they offer.

This includes a secured card and three unsecured credit cards. If you have made some mistakes in the past with your credit then you are guaranteed to be issued a card that corresponds to your credit score.

If you have made many mistakes then you will likely be issued the secured card. With this card you must secure it by making a deposit between $200 and $15,000, your credit limit will be equivalent to your deposit.

It works just like an unsecured card and you will have to make monthly payments. Your APR will be between 8.9% and 14.9%; this is much lower than most sub prime credit cards.

If you have limited damage to your credit score then you will be approved for an unsecured card. If you want to have the secured card instead you can still be issued that card.

The unsecured cards have an APR between 8.9% and 18.9%. One of the unsecured cards will carry a $19 account set up fee and you will have to pay a low annual fee.

However the fees associated with the Orchard Bank cards are dramatically lower than any other sub prime credit cards. In addition they have very reasonable interest rates compared to other bad credit cards.

All of these cards will report to the three major credit bureaus. With responsible use of your card you can build a positive payment history on your credit report.

This is very important to your credit score. It is estimated 30% of your credit score comes from your payment history.

Also your ratio of debt to available credit will improve. This ratio is a way for the bureaus to see if an individual is in over their head. It carries considerable weight when your credit score is being calculated.

It has been learned that once a negative item on your credit report ages four years it has much less impact on your score. We do still suggest removing negative items from your report, in addition to opening a new line of credit.

In sum if you need a second chance with credit we do suggest the Orchard Bank credit cards. They have helped over 2 million people, and used responsibly can improve your score substantially.

About the Author:

For more about the Orchard Bank Credit Card or for more information about Easy Credit Cards visit us.

Centennial Credit Card - Review

By Daniel Moskel

The Centennial credit card is an unsecured card created for individuals with a damaged credit report. It is issued by First Premier Bank an FDIC member.

It offers easy approval and thus has some fees. These include a one time account set up fee of $29, $48 annual fee, and a one time $95 fee.

These fees will be charged against your available credit. Meaning when you are issued your card, you will have these fees on your balance.

Your card will have an initial $250 limit, and a 9.9% APR.

It is issued as a Visa or MasterCard your choice. If you apply online you will have an application response in less than 60 seconds.

When making your monthly on time payments you will create a positive payment history on your credit report.

Your utilization ratio is also very influential on your score. This is how much debt you have versus unused credit. It will help your score if you keep a monthly balance of around 30% of your limit.

In other words a $250 limit, you want to keep your balance at $75. You will be eligible for a credit limit increase after six months.

The First Premier Bank has issued cards to over 3 million people. They are a member of the Better Business Bureau and are located in Sioux Falls, South Dakota.

It is accepted everywhere you see the Visa or MasterCard logo displayed. To qualify you must be over 18 years of age and have a valid social security number.

As of late, we have seen a jump in interest rates even on prime credit cards. These rates are increasing to close to 30%, and without fault. This means even with on time payments the good credit cards are raising their interest rates to 30%.

In sum we suggest you explore all your options for credit if you have made some mistakes. It may be more cost effective to get a secured or prepaid card, and take other steps to repair your damaged score.

About the Author:

We suggest the Total Visa an unsecured bad credit card, we also suggest the Account Now Visa a prepaid card with the ability to borrow.

Repairing Your Credit Report Can Build Financial Independence

By Credit Report Repair

Do you know that having a good credit rating is one of the most important building blocks to financial independence. A person's credit file has grown increasingly important and will continue do so as more and more credit approvals and job opportunities rely on your credit file.

Do you have problems with your credit? Do you have negative items that cause your credit scores to go down? It doesn't have to be that way. Damaged credit has a lot of people down these days. When negative information is removed it can help you reduce your interest rates, help you make the purchase you need, or even improve your chances in an interview or with a rental application.

With help from others who have been in the trenches you can get your credit back on track. Having the best credit possible is in everyone's best interest.

Credit Repair Consultants, Inc. is a firm specializing in repairing credit reports. They have helped over 5,000 Americans repair their reports by removing misleading, inaccurate, or unverifiable items. From bankruptcies to charge-offs to tax liens, they have challenged virtually every existing credit problem.

They are good at what they do because they believe in their work and are committed to their clients. And that means they get you results you can count on, results that can literally turn your life around.

Engineered from the ground up with credit report repair in mind. You will find, as a client, that they leverage their entire arsenal of credit experience and powerful strategies on your behalf.

At Credit Repair consultants they have assembled a team of experienced credit experts, knowledgeable support staff, and courteous customer service representatives whose only goal is to help you improve your credit. They offer no-compromise credit report repair. The results are nothing short of amazing.

Credit has become increasingly important in today's world. Too often people lack the assistance and professional help they need in this crucial area. Credit Repair Consultants, Inc. is dedicated to filling this void and providing the best service at the lowest price.

About the Author:

You should be empowered with as much information regarding your credit as possible. This low cost program is the best money you will ever spend to improve your financial situation, guaranteed! Click Credit Repair Consultants, Inc. right away!

Mistakes when selling Memphis Home

By W. Kim

Whether you are trying to sell a home in Cleveland, Pittsburgh, Memphis or Louisville there are certain things which can prevent a sale from happening. If you can identify the problems then you will that selling your Louisville home for example will become much simpler. Below we take a look at some of the mistakes that people may well make when selling their homes and which can prevent them getting an offer quickly on it.

Mistake 1 - A house that smells bad is going to put off any potential buyer. If you own pets or smoke the odors produced by these need to be removed as soon as you possibly can. Don't just think spraying the room just before a viewing with air freshener is going to disguise them. In fact your furniture and furnishings will be full of these odors, so you need to arrange to get them cleaned correctly prior to the viewings commencing.

Mistake 2 - Although you are trying to sell your home if you get too pushy with any potential buyers this can actually turn them away from making that all important offer. Okay they are going to be looking in to spaces that you wouldn't prefer them to. However, if you provide them with space as they view the property they will better be able to imagine themselves living in it rather than you.

Mistake 3 - A lot of people who own pets when selling their homes will tend to allow them free rein when viewings take place. However, it is far better if you arrange for yours to be kept somewhere else during viewings say with a friend or neighbor. The other thing to do is limit them to one specific area of the house or place them in a dog crate until the viewings have been completed. You need to remember that not all potential buyers of your home are going to be animal lovers like you.

Mistake 4 - When you are trying to sell your Louisville if you find some minor repairs that need doing then get them done prior to the viewings starting. So get those dripping taps fixed and make sure that all gutters and drains are clean and clear. If you do this then any potential buyer of your home will find that they will have one less thing to be concerned about and which could end up costing them money.

About the Author:

Mistakes to avoid when selling Louisville Home, please review Louisville Home, and Louisville Home

Wondering What Day Trading Is? Here's How To Get Started

By Sam Lockwood

Day trading is one of the many possible ways to profit by buying and selling stocks. It uses the volatile nature of the market in a single day. Since the current market is seeing some of the widest daily swings since the late 1990s, it's a great market for day traders!

Through short selling, day traders can profit from stocks even when it looks like the price is on its way down. In every case, day traders will need to use a broker, and to pay very close attention to two basic indicators. These are the NDIX and the TDISC. At the beginning of trading on a particular day, these will tell you a lot about several different exchanges. They're extremely sensitive to volatility, so if the market's going up, the NDIX will rise by two thousand ticks or more in a half hour after opening. If it's going down, the TDISC will drop by that much in the same period.

The rapid fluctuations that can happen over the course of a single day are what day traders use to make their money. They have to buy and sell quickly. That's why day trading is both a great way to make a big profit and a fast way to lose it all. You're never buying for the long term, so it can be tempting to buy lots and skip researching. You might get lucky trying this, but most of the time it doesn't work.

Day trading isn't passive income - it's a job. Anyone who wants to do day trading should make sure that they've been properly trained. There are plenty of good online courses and seminars out there that'll help you be sure you know what you're getting into.

One thing you'll need is a brokerage account, since one of the most important things in day trading is being able to short sell. Short selling is when you borrow stock from your broker and sell it right away, planning to buy another share at a lower price to give back when it comes due. You profit if the stock prices drop. If you time things correctly and read the market correctly, this works out well for you.

Of course, there's a reverse to short selling, too. Borrow or buy a share at one price, then sell it for more over the course of the same day.

Day trading means you're going to need good observational skills and incredible nerves. You also have to be willing to have a short memory. That's so that you can stare losses in the face without stressing out or going into a panic.

Now, it is possible to do day trading from home and to do well at it. Use the right programs and tutorials to find out everything you can, and make sure all trades are executed according to a careful plan. Be sure to get them done before the last half hour of the trading day in your market, as well.

About the Author:

You can find all sorts of Day Trading Tips out there so it's easy to start educating yourself about this exciting way to earn an income. Click Here for information on a day trading system that has been making many people a lot of money.

Tips on finding best Houston TX Home

By J. Kim

During the last few months we have seen a slump in the number of homes being sold. Even so there are still lots of people who are looking to purchase the home of their dreams. When you are trying to sell your Houston TX home or home anywhere else there are certain things one needs to take into consideration first. Below we look at some of these considerations which if you keep in mind will help assist you to sell your Houston TX home in such a slow real estate market now.

1. Many potential buyers are going to be put off buying a property when they find it needs work doing. So before you even put it on the market get any repairs that are necessary done. These are ones that are normally small and won't actually cost much to get done. But will result in your house looking great and so improve the chances of you getting it sold. However, if you don't get them done don't be surprised if a potential buyer puts in an offer that is lower than the asking price or makes no offer at all.

2. To further increase your chances of selling your home when the market is slow you need to make sure that it is kept clean and tidy at all times. This means that your home will be available for viewings at any time and so the chances of having more potential buyers crossing the threshold are increased.

3. If you can afford to arrange to get your home staged by a professional as they can work on getting rid of the clutter and depersonalizing it. Remember you need to allow any potential buyer of your home to be able to view it as theirs. Also if it is full of clutter then it becomes more difficult to show off the houses full potential.

4. When it comes to selling your home in a slow market as we are seeing presently you need to have realistic expectations with regard to the price it will sell for. Never look back at what your house would have sold for last year but instead you need to focus on what it is worth now. Certainly if you are pricing your home too high then you are pricing yourself out of the market. Plus by asking a fair price for your home ensures that there is little or no room for negotiations to take place.

About the Author:

To find the best Houston TX Home, please review Houston Home, and Houston TX Home

Credit After Bankruptcy

By Matt Douglas

If you have a bankruptcy on your credit report you probably feel like there is no way to escape a low score. However you can remove this listing and you can create a positive score for yourself.

Contrary to popular belief this mark can be removed from your report and without waiting 10 years. To remove this mark we suggest:

1. Dispute the mark with the bureaus.

You can do this yourself or hire a service to dispute the mark on your behalf. Did you know that the bureaus do not check public records when they investigate an item? Public records are where this mark is recorded and where the bureau would find verification.

Congress passed the Fair Credit Reporting Act and this says that the bureaus must remove any item on your report that can not be verified. People frequently ask if credit repair is legal. It is not only legal but this act explicitly says any mark you do not feel is accurate can be disputed. There will never be any legal ramifications for filing a dispute with the bureaus.

It is rumored that after 2 years it is easier to remove this mark, however it is not required. Additionally we suggest you make sure that any negative item on your report reads "included in bankruptcy." The reason for this is you will later dispute the validity of these items because your report does not show a bankruptcy.

2. Once you have removed the initial mark, you can start disputing each negative item.

You can dispute it on the basis that it says "included in bankruptcy", but you do not have a bankruptcy on your report. Thus each negative mark should be erased once investigated. Doing this will give you a clean slate on your report.

3. We suggest you start building positive credit. This is most effective by opening a new revolving line of credit such as a credit card.

With on time payments you will build a positive payment history, this is heavily weighted when your score is calculated. It will also help if you keep your balance under 30% of your limit because this will help your utilization ratio. This means you will have better ratio of available credit to debt.

While it is not illegal to dispute an accurate mark on your report it may not be the most ethical thing to do. However in my opinion charging people outrageous interest rates upwards of 30% and charging late fees is not ethical either.

In sum you don't just have to live with bad credit. You can remove the items and you can do it today. You can create a high score for yourself by removing the bad items and building positive marks. This will save you; on interest rates, embarrassment from a low score, and give you the purchasing power you deserve.

About the Author:

For a review of Lexington Law a suggested credit repair service visit us or for an article about credit repair services and what they really can do for you.

Houston Home Builders

By J. Kim

When you are trying to find the right contractor to complete some work on your home there are certain things that you will need to take into consideration. Whether you live in Houston or any other city in the US you will find that there are numerous contractors you can hire. The problem is deciding which the right one to use is. Below we provide some tips to help you to find the right Houston Home Builders to complete the work that needs doing on your property.

1. You should not select a Houston home builder because their quote is lower than anyone else's. The problem with many of these is that the standard of work that they carry out is pretty poor. Your much better off reading through every quote carefully and go with the one that is not only affordable but using the best materials and labor possible.

2. If you are going to have any major work carried out on your home then always arrange to get more than one quote, in fact it is better to get 3 or 4. Doing this you can compare each one carefully and make a more informed decision as to who offers value for money. Also only use quotes from Houston home builders who will arrange to visit your home to inspect the work.

3. Before you select a contractor also do some checks into their background. The best thing you can do is contact the licensing board for contractors and the Better Business Bureau in the state where you live. Both of these will then be able to provide you with details of any complaints that may have been filed against the contractor in question.

4. It is vital that when you arrange for the contractor to visit you that you also carry out a thorough interview. Ask them beforehand to bring with them copies of the insurance that they have to protect their employees and you. This way you will have copies of the policy number and the insurance companies contact details. So you can then verify that what they say is correct and you won't be faced with any penalties if something happens whilst the project is being undertaken. So as well as personal accident insurance make sure that they have general liability insurance.

About the Author:

To locate the best Houston Home Builders, please review Houston Home, and Houston Home Builders

Tips on buying Memphis Home

By S. Kim

When you are buying a home this can be a very stressful period in your lives. It does not matter where you live whether it is in Memphis, Los Angeles or Las Vegas buying a home is the biggest amount of money you will spend at any one time. In this article we offer a few tips which could help you reduce your stress levels when buying a Memphis home for example.

Tip 1 - Never think about buying a home if you are not intending to live it for several years. The costs of both buying and selling a property can be very high. So if you decide to sell your home quickly then you may find yourself out of pocket afterwards.

Tip 2 - In order for you to purchase your dream Memphis home you are going to have to get yourself a mortgage. If you want to get what you want at a good rate it is important that your credit history looks good. Therefore a few months before you begin looking for a property get copies of your credit history reports, which you can obtain for free from the credit reporting agencies (Experian for example). Now go through them and if you see any problems or errors with yours get them sorted out.

Tip 3 - When it comes to selecting a mortgage to help you buy your dream home you can go for the option where you pay additional points. This means that you pay part of the interest at the time the sale closes and so you end up with a much lower rate of interest. This is the best way to go if you intend to stay in your new home for 5 years or more as you will end up saving money over time because of the lower rate of interest you have.

Tip 4 - It is better to arrange to get your mortgage pre-approved before you begin searching for your dream home. Not only will you be able to see just how much you really can afford to spend on the property. But it will place you in a much stronger position when it comes to you making an offer on the house that you feel is right for you.

Tip 5 - It is crucial before you make any opening offers on a property that you do your homework first. Spend a little time looking what similar Memphis homes are currently being offered at and what those recently sold have gone for. If you see for example that houses are selling at about 5% below the market prices then begin with an opening offer that is around 8 to 10% below the price being asked for by the seller.

About the Author:

For tips on purchasingMemphis Home, please visit Memphis Home, and Memphis Home

Learn More About Mortgage Refinance Loans

By John Bear

Choosing the right type of mortgage for your situation could indeed save you thousands of dollars. So, first things first. There are two main types of mortgage loans to choose from when refinancing your home mortgage loan that would depend on your financial needs and tolerance for risk. Here are a few simple tips that will help you with the proper selection of a mortgage.

As stated, mortgage refinance loans come in two types: loans with fixed interest rates and loans with adjustable interest rates. Fixed rate mortgages have ten to fifty years of term lengths and will have payments based on an interest rate that will not change for the duration of the loan.

Adjustable rate mortgages, on the other hand, are specifically based on a financial index and that will include the mortgage lenders margin. Hybrid loans is another type of mortgage that are a combination of fixed rate and adjustable rate mortgages.

The adjustable rate mortgage's interest rate will change every time the lender resets your loan. So when the lender resets not only your interest rate but also your payment amount, they will use the financial index your loan is tied to plus their own margin. The one-year treasury note is the most common index that is being used by mortgage lenders. Adjustable rate mortgages basically have the advantage of lower initial payments, though the loans have more risk for borrowers when the lender begins adjusting the loan.

For those homeowners who understand the risks with adjustable rate mortgage refinance loans, they will be able to save thousands of dollars with refinancing. So don't write off adjustable rate mortgages just because someone told you that you will be in a payment shock when the lender starts adjusting your loan.

There are several advantages to accepting an adjustable mortgage, and as for starters, a low rate mortgage allows buyers to purchase pricier homes, while maintaining an affordable monthly payment. Moreover, because of record low rates, home buyers who obtain an adjustable rate mortgage can enjoy falling rates without having to refinance their mortgage. Thus, they avoid the closing costs and other fees.

Adjustable rate mortgages are in fact ideal for people who plan on moving in a few years. Some people enjoy the stability of living in one place for many years. So in this case, having to refinance for a fixed rate is truly a wonderful idea, but if you would like the flexibility of moving every three to five years, then you can save some money with an adjustable rate.

Luckily, home mortgage loans can be refinanced whenever you feel like it and some lenders even suggest allowing the loan to mature at least 12 months. But if you detect a market trend change, a smart move would be refinancing shortly after purchasing your home. Those contemplating refinancing have got to be prepared to pay additional closing fees. You can contact your current lender and inquire more of prepayment penalties regarding your mortgage refinance loans.

About the Author:

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Identity Theft: A Crime that Ruins Lives

By Steve Collins

Identity theft is a crime and a growing problem in the United States. Identity theft includes any fraudulent activity involving the assumption of someone else's name, social security number, financial information or other sensitive personal data with the intention of dishonesty.

Far too many of us are slapdash with our personal data. We make it easy for anyone with criminal intentions to gain access to information that can be used for anything -- even to assume our whole financial identity. We need to be aware of the dangers of identity theft, how to protect ourselves and steps to take if we suspect someone else is using our personal data illegally.

The best way to protect yourself against identity theft is to guard personal identification numbers such as social security and bank account numbers. The crime of identity theft can occur in seemingly secure places like a public phone booth or an ATM. Always ask for a written application or documentation to be mailed to you. If the caller is legitimate then he or she will usually comply. If not, suspect that you might be a potential victim of identity theft and hang up.

Another wise idea is to shred any credit applications that arrive at your home. At the very least, tear them up and make sure the pieces wind up in separate garbage bags. Lastly, because the checks we write pass into so many different hands, never put your social security number or any other information you want to safeguard on your checks.

Always review your bank statements and credit card bills carefully for anything unusual. You must act immediately if you suspect you are a victim of identity theft. Close any accounts you think the thief may have access to, notify the police and contact one of the three major consumer-reporting companies who by law must notify the other two. in conclusion, let the FTC (Federal Trade Commission) know so that your incident of identity theft will go into a national tracking system.

Identity theft can happen to anyone, and it can be overwhelming for your financial future. Refuse to be the next victim by educating yourself on identity theft.

About the Author:

Steve Collins is an author and journalist. In these trying times, he knows the importance of obtaining effective debt solutions if necessary. Read his article about debt solutions here.

The FCRA is for Consumers

By Rob Kosberg

See www.ftc.gov/s/statutes.feradoc.pdf for the details of the Fair Credit Reporting Act (FRCA). This act is written, not for the credit reporting agencies, but for consumers.

The FCRA explains what we can see from the credit reporting agencies and our rights. We have a right to view the financial history which the credit bureaus have for us. Remember that these agencies are interested in money and are "for profit."

There is much information on your credit report regarding your financial picture. Even though most of the entries may be accurate, it is possible that you may find false and/or outdated information in these documents. This could be an unwelcome surprise.

The FTC (Federal Trade Commission) tells us that we do not need to arrange for "magic fix" from a possibly dishonest agency. We can fix our credit ourselves. The FRCA basically says that the only "negative" information that is permitted to remain on your credit report is negative information that can be proved to be true.

Get your credit reports, compare, mark any entries that you believe are false. If it's negative and true, it has to stay. Then you will make your case for why information is false.

Document all data available to demonstrate that an entry is false and this is proof of an erroneous entry. You will send this to the credit bureaus. They must respond and it is their responsibility to prove all the information is true.

It is possible that you may decide that this project is really not something you can successfully complete on your own. Then you may consider "credit counseling." Do this very cautiously. "Overnight" credit fix is too good to be true and these companies could ask for a lot of money "upfront" and charge a monthly fee. Although it might sound really good, remember that these agencies are also "for profit" and need to make money. Think SCAM.

There are some honest firms and individuals who will legitimately help. Try finding referrals from others to help you find reputable help who will handle your needs in a timely fashion.

About the Author:

With never before seen challenges in the credit markets it?s more important than ever to have excellent credit. For more information check out Rob Kosbergs' Detailed FREE Guide on Maintaining and Repairing your Credit Score by going to Bad Credit Repair for your FREE information.

Starting a Credit Repair Businesses

By William Blake

Judging by the kind of newspaper advertisements being made today, the demand for credit repair services is huge. Current high levels of unemployment coupled with the tight credit market means that there is certainly a strong case for opening up your own credit repair business.

The current situation means that the number of people looking to improve the credit will be on the rise. Good business sense will tell you that this is a good time to take advantage of the circumstances and start up a business that will fill this growing need.

A Head for Business

It pays to have some experience in doing business from home and if you have tasted success at any kind of home business then opening your own credit repair business makes a lot of sense.

Even if you have fixed up your own credit you will have the minimum skills to get into this line of business and if you also have basic knowledge about improving credit scores, working out decent repayment plans as well as know how to spot and remove errors from a credit report; opening your own credit repair business will prove to be a paying proposition.

It is important to understand exactly what you are getting into and what the market is for this type of work before you try to start your business. You need to understand in detail what is involved in a credit repair business. Knowledge of the specifics is vital. Once you have a comfortable knowledge of what you are getting into you are ready go take the first steps in starting your business.

One of the first things you need to do is count the cost to see what type of investment you will need to make to get your business started. Also you need to check out your competition, know who else in your area is in the same line of work. Then educate yourself on what services your business will need to provide and how to go about that.

One you've started pulling your business together you need to start thinking about drawing in customers. It might be helpful to check your local newspapers for foreclosure and bankruptcy listings to see if you can create of list of potential customers.

About the Author:

Can cancelling a credit card help you get your debt paid off faster? Get the inside scoop on the Debtopedia website at www.Debtopedia.com website where you can get a free copy of my report Secrets Of Credit Card Debt

Credit Card Snowball Effect and How to beat it

By Philip Crafton

Americans have on average three credit cards per household carrying a combined balance of nearly 12,000 thousand dollars and most are just paying the minimum payment due.

As everyone knows that plan will take you, no where on the path to debt elimination. You will simply sit and spin your wheels hoping that you win the lottery so you can pay off these balances. What if there was a better way?

Who wouldn't want to achieve debt elimination? No one! Credit cards grow at an exponential rate. What if you could turn this credit card snowball effect to your advantage?

Let's take a closer look at a snowball. You start small and soon after rolling over and over they can build massive. Does that sound a little too familiar with your credit? Apply the credit card snowball effect in the positive way and you'll see it works.

Snowballing your credit card balance to achieve debt elimination is not difficult. You take a little each month and add to what you are already paying. You take the balance down faster and therefore the interest you pay, which in turn grows the amount of your next payment that goes toward principle, this is the credit card snowball effect.

Debt elimination becomes more and more difficult when you carry balances on your credit card. The credit card snowball effect in the negative is a compilation of compound interest. Therefore, the idea is to use this same effect to your advantage.

Gather all your credit card statements.

Choose the one with the highest interest rate

Add extra money each month to the card with the highest rate until it is paid off.

Repeat this process for all of your cards as you pay them off.

Sounds like good advice doesn't it? On the surface, this is a great debt elimination exercise and eventually it will work. However there are times and situation where this is not the correct way to reverse the credit card snowball effect.

Interest rates will vary from one card to the next. Some will be extremely high and some will have lower introductory rates. All things being equal paying off the highest interest rate would sound reasonable, nevertheless consider the example below.

For the sake of argument, lets say that you have two cards with different interest rates. Let us further assume that the interest rates are ten and twenty percent respectively. Choosing which one to pay will depend on the balance on each. If your 10% card is caring a large balance then your monthly interest accrual will be higher than the larger interest rate.

The above example just goes to show that higher interest is not always the enemy of your debt elimination. The credit card snowball effect will quickly take your balance to new heights. Particularly if you are only making the minimum, payment required.

A better way of attacking this situation is to turn the credit card snowball effect in your favor:

Create a list of all your credit cards and their rates.

Start with the one that accrues the highest interest every month.

Begin concentrating all the extra money you can toward that credit card.

Keep all other cards at minimum to free up cash to pay off the first card.

Rinse, lather and repeat for all the cards in your wallet.

Looking at it, this way it is easy to see that this will be the fastest road to debt elimination. It is important to always consider financial issues from many angles. This is doubly true with credit cards.

About the Author:

Philip Crafton is an expert in managing credit, he has over four years experience in the finance and credit industry. Check out the latest credit offers at www.Credit-In-Minutes.com. Copyright 2008 credit-in-minutes.com

Get The Best Home Mortgage Loans

By John Bear

Planning to refinance your current mortgage? There are actually several options that are available for you. There are also a number of reasons to why homeowners would want to refinance their home mortgage, and that includes: obtaining a fixed interest rate, eliminating private mortgage insurance, receiving cash out at closing, and so many others.

Taking a new mortgage is somehow involved in home loan refinancing so you have to have the important documents to present the mortgage company. But there are also ways for you to obtain a loan with minimal documents if you want to protect your privacy.

Like taking a no document refinance loan, for example. This type of loan wouldn't reveal or require you to state detailed information regarding your finances. But in order to obtain this loan, you must have a good credit report. Unfortunately, not all lenders are equal. There are lenders who grant refinance with little or no documentations, but there are also those hard-to-please lenders who wouldn't just go for that idea. Now, in order to attain a no doc loan, you will have to provide your social security number and loan amount. Then the lender will just check your credit scores to see if you are qualified. Basically, all you need is a very high credit score.

So as not to be confused, low document home mortgage loans are different from the no document loans in several ways. First, you need to state your income and employment history in low document loans. You are also asked to submit recent paycheck stubs or income tax returns for the past two years. Second, low document loans are beneficial to contract and self-employed employees and to those who receive cash payments.

On the other hand, individuals who prefer to keep their privacy, and of course, who have good credit scores, can opt for a no document refinance loan. These individuals would not want to give out detailed information regarding their finances, income, and employment.

Now, why are people with very high credit scores make ideal candidates for a no doc loan? While lenders may not be really happy approving loans with less or no documentations, they find people with good credit reports unlikely to tarnish their perfect records.

When you do opt for a no doc or low doc home mortgage loans, just be prepared to pay a higher interest rate on your home loan. Of course, a higher interest rate may be well worth it if it means getting some privacy and faster processing.

But do take note that if your reason for refinancing your home mortgage loans is to get a lower rate, then a no doc would not be the best deal. To be safe, get a quote from a lender and have the no doc refinance rate compared with your current interest rate before refinancing.

About the Author:

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