Do You Need a Credit Card?

I was browsing the Internet yesterday and found a good website CreditCardBest.com. This site seems to be very helpful for those who are looking for a credit card. With the help of the site you will easily find a card that will meet your requirements.
Credit cards are arranged here by several categories: offers for different types of credit history, offers with reward programs, offers by issuer, top ten credit cards, etc.
So, consider your spending habits and needs and choose a card at CreditCardBest.com. The site provides reviews on all credit cards available online, so you can easily compare the offers side by side.
At the site you can also find a special service Credit Questions Centre. You will be able to find answer to all possible credit card questions. If you have a particular question you can submit it, and credit experts will answer it very soon. The service is for free.
Visit CreditCardBest.com and you will learn a lot of useful information about credit cards.

How To Handle Credit Card Wisely?

How to handle credit card wisely? How to avoid debt? Many people are concerned about these questions. There are lots of articles about credit cards and wise credit card management. Financial experts keep on repeating the simple rules of proper credit card usage but still, there are much more consumers with poor credit history than those with good credit rating.
So, what are the simple rules of wise credit card management?
1. Pay all your bills on time. Try to make your payments beforehand, not on the due date.
2. Never exceed credit limit. Every time you are over your credit limit, you are charged the high penalty fee. Besides, your credit score falls dramatically.
3. Try to pay your balance in full every month. Thus, you will save on interest charges.
4. Check your credit report regularly to make sure that it contains no mistake and to prevent fraudulent actions.
Be responsible! Mind, credit cards are not plastic toys!

Take Control of Your Spendings!

Have you heard, credit card companies are increasing credit fees? The credit crisis left its impact. Credit card companies are afraid to lose money again. They have raised interest rates, now they are boosting fees.
Do you want to pay all these fees? I suppose, no. That means all of us should be more responsible with credit cards.
Of course, fees increase is bad news. But on the other hand, it will make careless card holders think before to blue money. Besides, many of us will become more accurate with our bills, as I believe, nobody wants to pay a high late fee. So, it is time to take control of our spending habits!

Why to Read Credit Agreement?

Are credit cards good or evil? If you think that credit is evil, you probably face financial problems and can’t manage your finances. I have many friends who have problems with their credit cards. The question is: Why you, people, never read credit agreements? They are worth of your close attention.
Credit cards do not give free money, they only let you buy now and pay later. If you want to benefit from credit cards but not to get into debt, you must know exactly your interest rates (Intro APR and ongoing interest rate), fees, possible penalty fees. Only then you will be able to calculate the real cost of your credit card. So, you will have to read your credit agreement carefully in order to take your credit under control. Any financial consultant will tell you, that if you want to be a success in credit cards you must read your credit agreement and realize the real cost of your credit card. Listen to their advise and you will avoid many problems.

How Much Do You Need?

Money. How to get big money? It is the talk of the town. But what means big money? How much do you need to live happily and feel free?
Six months ago I thought I would be happy if I could make 500 bucks more than I had made. Now I have the salary I was dreaming of. But what do you think? It is not enough for me. My expenses have increased. Now I need more. Much more. It is a rat race!!!
I am sure I am not alone with this problem. The thing is a human being rare feels satisfied when it concerns money. Ask any celebrity does he/she have enough money. They say, yes, they make big money but they have to spend a lot too. So, the question is how to be satisfied with what you have? How to feel free from money?

I am Pulling My Belt

Yesterday I was checking my monthly bills and it struck my mind that I waste my money. I make more purchases that I can afford and never save money. I am going on vacation at the end of September, so I need to save some money. Well, I have to pull in my belt.
I have decided to reduce my credit card debt or even to eliminate it. So, I am looking for balance transfers.
I’ve learned, if you manage to get a balance transfer card with a low ongoing interest rate, you will save a lot on interest charges and will be able to pay off your debt. I think it is a good deal. So, I will take my chance.

Do You Want to Be Rich and Famous?

Do you want to be rich and famous? Many people would answer without hesitating “YES”. But I say no. I am not a person who is striving to become famous.
Of course, I want to feel free with money. I want to buy the things I like and never worry whether there is enough money on my credit card or not. I want to live in luxurious apartments, spend vacation at expensive spa resorts, drive Porsche and so on and so forth.
But when I think of all these fans and paparazzi who are hunting for you everywhere… It is awful! No doubt, having become famous you will hardly have normal life. Besides, how you will enjoy your vacation at a spa or being at a luxurious party, when there are paparazzi who are striving to make a picture of you when you fall down.
There is one more thing why I will hardly become famous some day. I am not the person who is ready to run myself ragged, I do not want to work 24/7 and have unlimited workday. It is not for me!
So, I’ll better do the job I like and will enjoy what I have.

Generation Gap

I visited my parents last week-end. They live in another city and I visit them really rare. I miss them and was happy to spend time with them.
But there was a problem. My parents are used to wake up toooo early. Even in the week-ends. They always get up at 9 or even 8 a.m. Every morning I was hearing them wandering about the house, speaking in the kitchen, watching morning news… I woke up and could not fall asleep again. But I HATE to get up early in the morning. My parents don’t understand my habit to sleep till noon and I can’t prove them that I feel bad when I get up early. We can’t understand each other on this question. Generation gap:((
Well, I didn’t have my sleep out in the week-end. It is really bad, because I can’t have enough sleep during the week. Waiting forward for the week-end when I will be able to lie in till noon…

Do You Like Design of Your Credit Card?

Do you like the design of your credit card? Have you ever thought to change it?
Well, I like my plastic, Blue from American Express, but it looks too plain. Nothing special. Of course, Gold and Platinum credit cards look more attractive but their attractiveness is due to the prestige they give a cardholder but not thanks to their design.
So, credit card companies considered the fact that many consumers pay attention not only to the features of a credit card but to its design too.
Capital One has introduced credit cards with an individual design. Now you can obtain a credit card that will have your picture, a picture of your boy/girlfriend, or your pet’s picture on the credit card. Sounds great, doesn’t it?
Personally I have already chosen a picture of me for my new credit card…

I am too Lazy

I am too lazy!! Really lazy!
Yesterday I should have gone to fitness classes but I felt so lazy that I decided not to go and stay at home. Well, I like fitness classes but sometimes I just can’t make myself to go to the gym hall. Just can’t…
Moreover during the last few months I prefer to stay at home and don’t want to go out. I can’t make myself to go to cinema, a café, or anywhere else. Just because it so much easier to stay at home and watch TV, read books, or just do nothing. I can’t say that I have some serious problems in my life and staying at home I hide from the life. But I just have no intention to leave my apartment. Just because I am tooooo lazy. Is something wrong with me?

I am Dreaming of a Lovely House in Greece...

Have you ever dreamed to have property abroad? I have recently looked through some photos of Crete, and it struck my mind that it would be really great to have a house there. Just imagine vacation in your own bungalow! Awesome!
So, I browsed the Internet and came across an interesting website Goglobalreal. The site offers real estate throughout the world. Buying real estate internationally is really popular today. Some of my acquaintances are going to buy property abroad to spend their retirement in a quiet and beautiful place. Whether you want to buy real estate in Mexico, Greece, Panama, Campeche, St. Vincent, Malaysia, or elsewhere, use Goglobalreal.com. Just choose the location of your dream, and you will see a comprehensive list of offers.
If you want never to leave USA, pay attention to Chicago real estate offers at Goglobalreal. With the help of the site you can buy an apartment in the middle of the city, or a house in a suburb, a second house along the lakefront. There are really great offers. Besides, the consultants are ready to answer all you questions.
Goglobalreal understands international and US real estate market and is ready to help you to make the right choice. Even if you are not going to buy real estate right away, check the site to see pictures of luxurious houses abroad and in Chicago. Maybe, you will choose one for you….

Spring is the Time for Changes?

The spring has come. One of my friends said that she is expecting a lot from this spring, and first of all she hopes to start new relations.
I wonder how many people are awaiting for some changes in the spring? And why exactly in the spring?
Well, some can say that the Spring is the time when the Nature wakes up and it is natural for people to wait for something special at that time. Besides, don’t forget about hormones….
But why not to wait for changes in the winter? During the Christmas time? Or after the New Year Eve? Personally, I wait for some changes exactly in the first days of a year. And spring for me is just a weather season. And what do you think?

Personality, Appearance, Money - What Is More Important?

There are lots of surveys on how to impress a woman or a man on the first date. But all these suggestions are only about appearance. Speaking about girls, different researchers give tips on how to dress and how to behave to impress a man. Their tips for men are slightly different. There are no tips on how to dress, but there are tips what car to choose for the first date, what flowers to give, etc.

Today nobody advises to be yourself, to be polite, listen to your date, etc. But I think, personality is much more important that the impression you produce with the help of some material things. Cars, flowers, dresses help only to show off and prank but they will hardly make a girl/man to go out on a date with you once again, if you are just a doll or a foppish man. Of course, if your date is not as shallow-brained as you are…

Forbidden Fruit Is the Sweetest One

St. Valentine’s Day is coming. Many lovers are wandering along stores looking for the best gifts to buy for their beloved people. Men are purchasing chocolate and red roses in tons. I like Valentine’s Day…

I have always thought that Valentine’s Day is a unanimous holiday that is celebrated all over the world. But yesterday I heard that not all countries celebrate this holiday. More over it is banned in some Islamic countries.

So, it is forbidden to celebrate St. Valentine’s Day in Saudi Arabia. The government believes that Valentine’s Day is an immoral holiday that provokes fornication. Fornication is considered to be a sin in many Islamic countries and Saudi Arabian government decided to forbid St. Valentine Day in order to keep its citizens from the sin.

The strangest thing about this prohibition is that the government forbade selling and buying roses. So, many men who still want to give flowers to their beloved woman on this holiday have to buy the flowers illegal. The prices on red roses have skyrocketed for the last few weeks and the red rose black market made huge sums of money on selling the flowers. So, the question is, haven’t Saudi Arabian government pushed its people to even more sin? As the saying goes, a forbidden fruit is the sweetest one.

Credit Card Companies Increase Minimum Payments

The Federal Reserve cut the primary rates. The rise of minimum payments is the first result. Many credit card companies have increased their minimum payments.
Well, it is good news on one hand. This rise can push many debtors to pay off their debts as soon as possible. It is a well known fact, if you pay more than minimum payments every month you will pay off your debt on the credit card quicker and will save on interest charges.
But on the other hand, not all debtors can afford themselves to pay more than a minimum payment. So, there is a chance that this rise of minimum payments will only push them into bigger debt.
It seems, that the recent credit card crisis will cause more problems than we had expected.