|
|
|
Cell Phones - Weigh the Costs
If you're considering your first cell phone, there are some specific things to consider. How you plan to use your phone and what kind of plan you want for your phone are a couple of the points that you should keep in mind. Take a look at some of...
Penis in a box for a buck
North American Indian Phallus
It was just a small simple down home country auction on a very rainy day in Southern Illinois at Anna. The folks were crowded around old farm wagons covered with a lifetime of simple treasures in...
Shareholders meeting changing with times
A significant number of corporations that settled accounts in the past year are ready to hold their annual shareholders meetings. In this year's meetings, more than 300 companies plan as their main focus of attention defense measures against...
Survival Tips For Small Businesses
You may be in Mail Order, Direct Mail, or you may be a local merchant with 150 employees; whichever, however or whatever---you've got to know how to keep your business alive during economic recessions. Anytime the cash flow in a business, large...
The Truth Aboutt Getting Rich
Two buddies graduated from high school one warm summer day. They both went on to get similar jobs with a manufacturing company. When it was time for their five-year high school reunion one shows up in an old suit and a car that is in the shop at...
|
|
| |
|
|
|
|
|
|
5 Ways Poor Credit Scores Costs You Extra Money
Most of us want a good credit report to obtain automobile
financing, credit cards, and to purchase a home. But, beyond
these consumer loans, your credit report can cost you in
everyday living expenses. What you don't know about your credit
could be costing you money.
Having a credit card means that you can order tickets, rent a
car, and reserve hotel rooms. Besides these conveniences, your
credit report can mean that you must pay higher deposits and
fees for everyday services.
Did you know that your credit history can keep you from getting
utility connections, good telephone rates, the best auto
insurance, home owner's insurance, or even keep you from getting
hired?
1. Some utility companies set minimum standards for service
connections. If your report shows collection accounts for prior
utility bills, you may not be eligible for service at all. And
if utility companies do agree to connect your service, you'll
need to pay a higher deposit than another customer with good
credit who may not need to make any deposit.
2. The same requirements exist for telephone services. People
with a good credit history don't need to pay deposits for home
telephone or cell phone services. When we first got a cell phone
with poor credit scores, we had to pay a $300 deposit, for one
cell phone. After fixing our credit, we got eight cell phones
for our business, with zero deposits.
3. What many people don't realize is that good credit enables
them to get better insurance rates. High-quality, low-cost home
owners' insurance, auto, and life insurance companies set
minimum credit standards for their policy holders; this means
that consumers with poor credit have to pay more for less
coverage. Many automobile insurance companies now
base your
monthly premiums on your credit score; these companies offer a
17% discount if your score is over 625 and a 25% discount if
your score is over 725. Why? Because according to their studies,
people who are careful with their credit are also careful with
their property and careful drivers.
4. Bad credit can cost you a job. More and more employers run an
applicant's credit report and hire the person with better
credit, assuming that better credit equals better integrity and
character. A friend of mine with a Master's Degree and a 4.0
grade average did not get hired; she was told her credit score
didn't meet their minimum standard and that they hired another
person with less education.
5. Poor credit scores means you pay more for your home
financing. Mortgages cost more in upfront fees and interest
rates for those with low credit scores. How much can you save? A
mortgage loan of $150,000, 30-year, fixed-rate mortgage,
interest rate of about 5.72 percent costs around $870 a month;
poor credit scores raise the interest rate over 9 percent and
the payments over $1,200. As you see from these payment
differences, good credit means that you can finance a more
expensive house with the same income, or save $330 each month.
Boost your credit score so you can save money on everyday
expenses, get high-quality insurance, and the best mortgage
financing.
Copyright © 2006 Jeanette J. Fisher. All rights reserved.
About the author:
FREE Credit Help Teleseminar. Get expert advice on building your
credit from real estate college instructor Jeanette Fisher. More
free credit tips http://worryfreecredit.com
|
|
|
|
|
| Compare Cell Phones & Service - Cingular, Sprint, T-Mobile ... |
| Research, compare, and buy cellular phones and services. |
| www.letstalk.com |
  |
| Free T-Mobile Cell Phones and Other Wireless Deals |
| Save on T-Mobile cell phones and plans. Compare deals to TMobile.com. 1-year T-Mobile plans available with popular phones. Or pick another wireless carrier. |
| www.a1wireless.com |
  |
| mobilecellphone.com |
| www.mobilecellphone.com/ - 2k - Cached - Similar pages |
|
  |
| Mobile Cell Phone Rental in Japan :: RentafoneJapan |
| This page contains information on mobile cell phone rental in Japan and Korea - Japanese, Korea, and International GSM mobile cellular phone and mobile ... |
| www.japanvisitor.com |
  |
| Communications - Mobile-Cell-Phone Ezine Articles |
| EzineArticles.com allows ezine or email list publishers to upload or download free expert content that can be used within email newsletters or websites. |
| ezinearticles.com |
  |
| Cell Phones and Service from Virgin Mobile |
| Cellular Phones and Service from Virgin Mobile. Ringtones & downloads for your mobile phones, as well as cell phone accessories, prepaid cell phones, ... |
| www.virginmobileusa.com |
  |
| Mobile / Cell Phone Is Linked To Cancer, you need protection from ... |
| Test your exposure levels to mobile / cell phone radiation and check if it's safe to carry a mobile phone! |
| www.radar3.com |
  |
| Repair4MobilePhone: Do-It-Yourself Mobile (Cellular) Phone ... |
| Repair4MobilePhone: Do-It-Yourself Mobile (Cell) Phone Upgrading, Modding and Repairing · site map · search · Mobile (Cell) Phones | IrDA | BlueTooth ... |
| repair4mobilephone.org |
  |
| YouTube - New Apple iChat Mobile Cell phone |
| New Apple iChat Mobile Cell phone 00:25. From: foxymcfox Views: 90457. << Now Playing ... New Apple iChat Mobile Cell phone *FAKE* 00:33. From: foxymcfox ... |
| www.youtube.com |
  |
| YouTube - New Apple iChat Mobile Cell phone *FAKE* |
| ... turned off or an old version of Macromedia's Flash Player. Get the latest flash player. This is a video response to New Apple iChat Mobile Cell phone ... |
| www.youtube.com |
  |
| Java Mobile Cell Phone Games - A220 Mission 1 |
| An arcade style shoot em up game , Java Midlet for your Mobile / Cell Phone. Fly through mountains and cave systems eliminating multiple enemies before ... |
| www.jpowered.com |
  |
| Java Mobile Cell Phone Games - Alien War |
| Alien War is an arcade style game , Java Midlet for your Mobile / Cell Phone. JPowered is a leading provider of Java Mobile Cell Phone Games. |
| www.jpowered.com |
  |
| Communications - Mobile Cell Phone |
| Mobile Cell Phone Tips. Broadband-Internet, GPS, Mobile-Cell-Phone, Telecommunications, Satellite-TV, Satellite-Radio, VOIP, Video-Conferencing » View ... |
| communications.smartads.info |
  |
| Free mobile, cell phone and text news alerts - Philadelphia ... |
| Set up free mobile, cell phone alerts to stay connected with the news. Receive text message alerts when news happens on the WCAU Philadelphia, PA website. |
| www.nbc10.com |
  |
| Buying a Virgin Mobile Cell Phone? Want $10 free airtime? |
| I have some Kickback codes that I will e-mail you if you want that will give you $10 Extra in airtime when you activate your Virgin Mobile Cell phone. ... |
| www.topix.net |
  |
| Skype from Mobile Cell Phone |
| Skype from Mobile Cell Phone,cell phone,cellular,mobile phone,skype,Skype as we already know is one of the most popular VoIP applications. |
| blog.tmcnet.com |
  |
| Yahoo! Answers - can you use a t-mobile cell phone with verizon ... |
| 3 answers - i want to get a t-mobile phone and use m verizon sim card. is that possible? if not can i use the t-mobile phone with a verizon plan? |
| answers.yahoo.com |
  |
| Compare Prices on Samsung X210 Mobile Cell Phone - ShopFerret ... |
| Use ShopFerret to find the best stores and lowest prices for the Samsung X210 Mobile Cell Phone. |
| www.shopferret.com.au |
  |
| eBay: Custom Mobile Cell Phone Pay Per Click Website +Adsense ... |
| Find Custom Mobile Cell Phone Pay Per Click Website +Adsense in the Business Industrial , Other Industries , Websites Businesses for Sale , Internet ... |
| cgi.ebay.com |
  |
| Tmobile |
| Review Cell Phone: pad Samsung Trace T519 T-Mobile Cell Phone ... Paper Thin T-Mobile Cell Phone with 1.3 meagpizel camera and MP3 Player. ... |
| www.1800mobiles.com |
  |
|