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"10 Powerful Self Defense Tips For Women"
In the USA, every two minutes a woman is being raped. A 1993 survey revealed that 50% of Canadian women have experienced an incident of sexual assault or physical violence. In Australia, 19% of women aged 18 to 24 experienced an act of violence...
Cat Insurance
Cat insurance can help you afford expensive medications for your cat.
There are a lot of things that can happen to your cat as it gets older - from injuries to illnesses. For that reason, many cat owners have found it worthwhile to pay for cat...
Children And Divorce: Things To Consider When You're Staying Married Only For Your Children
All children are different and respond differently to divorce. Depending on the characteristics of the children - age, emotional maturity, happiness, resiliency to trauma - the easier or more difficult it will be for children to weather a divorce.
...
Setting Your Wedding Budget
The first and most important task a bride and groom must do is
to set their wedding budget. Weddings can be expensive, and the
average cost of a wedding in the U.S. is over $20,000 not
including the honeymoon. While $20,000 sounds like a lot...
Trust in Marriage
A couple should trust each other in many ways. When they meet new people they are expected to be trusted not to wonder from a marriage. Not to have an affair or become involved with anyone else. Trust in marriage is also needed when keeping finances...
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10 Things You Should Know About Credit Cards
Maybe these 10 items may answer some questions you have about
using credit cards. Make sure to check out the link in #1.
#1. Don't Use Them.
Credit cards accounted for 1.3 million Americans filing
bankruptcy in 1998.
#2. If you use credit cards pay them off each month.
Carrying a balance on your credit cards could add up to hundreds
of dollars each year in interest and penalties.
#3. If you can't pay off your credit card balance each month,
pay as much as possible.
Every extra dollar you pay over the interest charges goes toward
paying off the principle. Minimum payments are 90% interest and
10% principle.
#4. Never obtain a credit card based on an introductory interest
rate.
Introductory interest rates are strictly bait to get you hooked.
After a short period of time the intro rate increases
substantially.
#5. Be careful consolidating your credit card debt.
Whether you use equity in your home or find another credit card
to lower your interest rate, there are things you MUST DO. If
you pay off a credit card you are going to receive constant
offers, either checks in the mail or special offers, to use that
credit card again. Be sure to cut up the credit card you paid
off and contact the company to cancel.
#6. Do not obtain credit card protection.
Many credit card companies offer credit card protection for a
fee. This is normally a percentage of the outstanding balance.
According to the Federal Trade Commission,
(http://www.ftc.gov/bcp/conline/pubs/alerts/lossalrt.htm) you
are only obligated to pay the first $50 when your credit card
is used by someone unauthorized. You could easily pay several
times the $50 for credit card protection in a year.
#7. Don't keep more that two credit
cards.
The biggest reason for this two card rule is that it is easier
to keep track of possible errors and current interest rates
with no more than two cards. Some credit card companies will
increase your interest rate without prior notification. You must
look at your statements each month and inquire about any
discrepancies.
#8. Always mail your credit cards bills at least seven days
prior to the due date.
Currently, credit cards companies are allowed to charge a
maximum of $29 for late fees if the bill is not paid on time.
With delays in the mail and processing time once the bill
reaches the credit card company offices, you need at least 7
days to be sure it is posted on time.
#9. Always protect your credit card numbers from others.
Be sure that you don't allow unauthorized people to see your
credit card numbers. It is very easy to use someone else's
credit card, as stores are very lax in their security of
handling credit cards, seldom checking to see if the signature
on the back of the card matches the one on the credit card form.
Never give your credit card number over the phone unless you
know who you are talking to.
#10. Don't use credit cards for groceries.
Buying things like groceries with a credit card, unless you
pay the card off each month, is a no win situation. Buying
recurring items like groceries will only tend to increase your
credit card debt each month.
About the Author
Terry Rigg is the author of Living Within Your Means - The Easy
Way http://www.homemoneyhelp.com/ebookadpage.html and editor
of The FREE Budget Stretcher Newsletter and Budget Stretcher
web site http://www.homemoneyhelp.com. He has 25 years of
experience counseling individuals and families concerning their
personal finances.
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| Expert advice on picking stocks, investing for retirement, and dealing with life's major personal finance decisions. |
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| Market news from the Telegraph newspaper online. Includes money product finders. |
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| Epinions has the best comparison shopping information on Personal Finance. Compare prices from across the web and read reviews from other consumers on ... |
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