Student Credit Cards Why They Really Are Necessary

August 27th, 2012 by admin

With more and more reports on student debt increasing to an extent that means graduates are still repaying their debts ten years or more after graduating, you would be forgiven for thinking that you should avoid student credit cards. This, however, doesn’t have to be the case. There are a number of reasons why you may need a credit card and used wisely and carefully, student credit cards can prove to be invaluable assets.

Using A Student Credit Card For Safe Shopping

It’s a fact that more and more people are partaking in Internet shopping of one variety or another. There is a very real chance that you will want to make a purchase over the Internet, whether you are buying your weekly grocery shopping or a birthday present for someone back home. The Internet offers excellent opportunity to purchase items at reduced prices that you wouldn’t ordinarily have access to. A student credit card enables you to shop safely and securely online. Credit cards in general offer a method of secure shopping and many offer insurance against purchases made online.

Building A Future Credit History

Building a credit history is not a simple task for many people but student credit cards enable you to do just that. When the time arrives to buy a house or make a major purchase of a car or other item, you will struggle to find any lender willing to offer you credit unless you have borrowed money before. By using credit cards for college students and ensuring that you make the necessary repayments by the date they are due you will be diligently building a credit history that will benefit you greatly in the future.

Joint Ownership

Credit cards for college students come in various different guises. Possibly the safest option is a student credit card that offers joint ownership between student and parent. This allows parents to repay some or a majority of the credit borrowed but also gives the student the opportunity to repay some of the balance as well. By deciding on a course of action, a budget and spending limits before the card arrives, you can have access to funds when you need them but still be forced to operate sensibly and within your own financial confines.

Limitations And Incentives

As with many cards, credit cards for college students have a set credit limit. Usually these limits are fairly low because students have no or little income to repay the amount borrowed. Again, this can help to manage spending and budgeting effectively. Another feature common to many cards is the incentive program. Credit cards for college students also tend to offer rewards or incentives, although they are usually based around student life and the sensible use of a credit card.

Student life can be a financially difficult time for students and for their parents. A student credit card gives access to money in the case of emergencies or for necessary purchases. Emergency use is the one time when most students and families will see real value in a credit card. By choosing a card that offers joint ownership between parent and child, the spending limit is curbed to some extent and sensible spending and sensible repayment is encouraged.

How easy are student credit cards to get? Do u have to have a job?

Answer
First off, dont listen to anybody that says “dont get a credit card” In todays society it is crucial to have one so you can have a good FICO. And how will you buy a home without a line of credit?

Back to your question, my first credit card was with Credit One
www.creditonebank.com (Im pretty sure thats the URL)
I was just graduating high school and I didnt even have a job. They gave me a card with a $200 credit line. When you’ve never had established credit its harder than hell to apply. Try Credit One. I hope it works for you

Students Credit Cards – Start for Good Credit

August 24th, 2012 by admin

Parents always take care of their children: mainly of their safety, health and education. But what about credit card usage? While your child is getting an education at college, think about his or her financial future.
Sometimes parents can not even suppose that their college-age son or daughter has already had a credit card account. If your child is at least 18 years of age, he or she may apply for a credit card even without credit history or with the bad one. And there is no need in a co-signer.
College students and freshmen in particular are considered to be the most trusting and loyal people therefore they are so attractive to credit card companies. Experts say that today many educational institutions use the licensing contracts and make credit cards with school’s colors, mascot or logo more available to youth. In any way credit card companies issue a huge number of cards for students’ convenience and life style.
What are the benefits of student credit cards? You can apply for a credit card even with so little income and without credit history. As you study, probably you don’t have a profitable job or have it at all. And it isn’t necessary because you can still apply for a student card and be approved. Any credit card likes a wise use. Only in this case it can be the right start for good credit and benefits in the future.
Students like any other consumers like to get bonus points and rebates. For example, some student credit cards offer their holders to earn free airline tickets, gift cards or free MTV events. Others allow having 10% discount at the MTV Store in NY and mtvshop.mtv.com or simply getting 3 % rebates on purchases with the card. Alluring? Sure!
The catch among those advantages is higher rates and rather low credit limit. The reason for them is evident. Students belong among the high risk consumers. Credit card companies do not wish to throw away their money and invent special security measures against the risk of repayment. As for low credit limit, it will become higher as soon as a student proves his creditworthiness.
College kids need also to know about the existence of identity theft. Many students fall victims to identity theft very often because they do not check their credit reports. Thieves may use their card information for the purposes and damage credit history without notice. Therefore, parents should educate their children and remind them to check credit report in order to avoid this happening.
Unfortunately, the problem of students’ debts is up-to-date. When students can’t afford to pay back their debts, parents help to overcome the problems using different ways. And that’s right. Your child does not have an income to pay it back and worries about that. Moreover, the devastated credit report will remind him or her of adulthood for many years.
As you see, the credit success of any student depends both on a student himself and the parents. Before applying for a card, think if your child is educated enough and fully realizes that a credit card is not free money. In short, a student credit card has both positives and negatives, but no doubt positives outweigh.

Working as a financial expert, Emily Goldstone writes freelance articles on how to achieve financial success, protect credit, improve credit score, etc. She helped many people keep their finance stable and treat their credit card offer wisely.

Is it smart to pay off current credit cards with student loan?

Single parent, enrolled in college. I have current credit card (high interest). I am trying to figure a budget so I know how much I need to apply for (student loans). I have qualified for Pell Grant, but this will not be enough to live off of. I will work part time and attend school full time. Please help with any advice or experiences you have.

Answer
Absolutely, you should pay off your credit card with lower-interest rate student loans.

Unfortunately, student loan interest rates go WAY up on 6/30/06 thanks to Dubya! It is imperative that you consolidate before then.

Myself, I am a grad and need to consolidate my loans before the deadline! So I went on a google hunt (I mean search ;) . Eventually, I did find a site that has rated a few student loan consolidators, and says they have checked them out. Here’s the web page: http://lendersrated.com/studentloans.htm

Hope it helps you…
karateross

Three Benefits of a Student Credit Card

August 21st, 2012 by admin

A student credit card is a highly valuable and helpful commodity, and there is a surprising amount of choice available. If you’re looking at obtaining a credit card aimed at students then it will be important to be aware of exactly what is on offer, the advantages and opportunities available, as well as being very aware of your own obligations.

What you will often find is that many student credit card facilities are part of package deals which include a comprehensive set of financial solutions for students, including an appropriate bank account, an overdraft facility, debit cards and online banking solutions.

Being a student can be an expensive experience, and very often the books and resources you need are very costly. If you need a set of books for a forthcoming project or course then it’s often simply not possible to delay buying them until you have the money. Being able to purchase the resources you need when you need them, delaying the cost for a while, can be an essential way of ensuring you have the information you need to do well in your studies.

No one’s studies should suffer as a result of not having the available funds to purchase the books and equipment needed when they are needed.  From expensive textbooks to train fares, and even laptops and computers, the resources that students generally require cost money.

However, it’s worth bearing in mind that a student credit card is not free money, and that whatever you spend using the card will have to be paid back. It may be that you have a certain amount of income, and are happy to pay the balance off over time, but if you are in any doubt about how you will pay for the items, then it’s wise to pay close attention to the interest rates.

If you don’t manage to clear the balance within the interest free period, typically 56 days, then you will probably find that a credit card aimed at students will have a much higher rate of interest than a standard credit card. If you don’t manage to pay off the balance then you could see the amount due in interest rising steadily over the weeks and months until it becomes a very poor way of financing your education.

The other aspect to pay attention to is the matter of fees. Most student cards are free to open, but there are some which charge fees. There are also likely to be fees for not paying off the minimum amount each month, or paying late. You will also probably find that withdrawing cash incurs a fee, and the amount of cash withdrawn is charged at a much higher interest rate than the standard rate until you pay it back.

The good thing is that most student credit card providers have a fixed credit limit of about $1,000, which means that the total amount owing is not too unreasonable, given the typical student income and amount you’re likely to be earning once you qualify.

But being able to keep your card in good order will do you a great deal of good as far as your credit record is concerned. Most students have little or no credit history, and your student card may well be the first form of credit you have had. Once you graduate and obtain a job you may then want to look at getting a standard, more comprehensive credit card, bank account or loan, but if your credit history is either poor or nonexistent then you could find yourself unable to obtain the credit you need.

A student credit card can provide you with a good opportunity to create positive data entries on your credit file so that by the time you leave education and look to expand your credit allowance you can demonstrate a good record.

Another aspect of student credit cards to be aware of relates to extras, bonuses and incentives. A significant number of card providers offer these, with anything from cash back incentives to money off coupons and discounts in certain shops or for certain websites. Whilst being able to qualify for a 5% discount at your favourite music store might seem a good idea, it will be worth considering whether a 1% cash back offer might not prove to be more valuable over time.

Another form of incentive might include free travel insurance or some other form of insurance that could prove to be extremely useful and valuable extras that make a student credit card prove to be a valuable resource to help you succeed in your studies.

For more information on credit cards for students and more, go to MyCreditCard.com where you can compare student credit cards and other credit card offers and applications from major banks and issuers.

Do student credit cards differ from regular ones?

I am thinking of getting a student credit card with a low limit to establish credit history and purchase products online.

Do these card work differently than real credit cards? Do online merchants accept them? How about if I stop using the card? Will I be charged for inactivity?

Answer
Student credit cards ARE real credit cards. They’re no different than “regular” cards as far as where you can use them or the fact that they’re reported to the credit bureaus.

Contrary to what a lot of people think, student credit cards can be quite easy to get IF you’re a full-time college student.

If you’re a full-time college student, the laws are entirely different for you. You don’t need a co-signer even if you’re under 21 and you don’t need to make much money. Basically, you have to be able to make the minimum payment.

My daughter has a student Discover card and loves it. If you use her referral link here: https://www.discovercard.com/cardmembersvcs/acqs/app/getapp?sc=RHZD&iq_id=yraf_1024246813_fb_15_841929, you’ll get $50 cashback bonus when you make your first purchase and you’ll get cashback bonuses for everything that you purchase.

There’s no annual fee and the APR (annual percentage rate) is fairly good. It ranges from 12.99 to 19.99%. But, it really doesn’t matter how much the APR is if you pay your balance in full each month. As long as you pay in full, you’ll never pay interest.

If you use a credit card wisely, it can be a great tool. But, you can also ruin your credit, so whichever card you end up getting, just be certain to use it the right way. Use it for convenience (paying at the pump, making reservations online, etc.) and to build credit. Don’t use it to buy something that you can’t afford.

Use it at least once a month for something that you need to buy anyway (gas, food, etc.). Set that money aside immediately so that you have the full amount when the statement arrives.

Pay in full, but don’t pay before the statement prints. Keep your utilization at, or below, 30% of your available credit to develop the best credit score. In other words, if you have a $1,000 limit on your card, you shouldn’t have more than $300 in use at any one time.

Just don’t let temptation to get to you. It’s too easy to spend money that you don’t have. Be smart, and a credit card can be a wonderful tool.

Credit Cards for People with No Credit Score

August 18th, 2012 by admin

Are you looking for a credit card to build credit?  If yes, you can find a number of options to choose from.  There are a variety of bad credit credit cards in the market.  Before you decide which card to choose, make sure that it will be one that you can use to rebuild bad credit.  

Bad credit credit cards can also be used by people who have yet to establish credit history.  Since no credit check is required, anyone can easily get approved regardless of credit history or credit score.  On this post, let’s take a look at the most popular credit card for people with no credit score.

Secured Credit Cards

A secured credit card requires the submission of a security deposit. The amount of deposit can range anywhere from $300 to $500 or higher, depending on the issuer.  The cash security deposit also determines the credit line given to the cardholder.  Some issuers provide slightly higher or lower credit limit than the security deposit.  In case the cardholder defaults payment or becomes delinquent, the deposit will be used to pay for the debts.

Unsecured Bad Credit Credit Cards

There is another type of bad credit credit card in the market.  Like regular credit cards, an unsecured bad credit credit card does not require the submission of security deposit.  Nevertheless, because of the risk involved, unsecured cards for people with bad credit or no credit are expected to carry higher interest rates and fees. The credit limit provided will also be lower than regular credit cards.

Prepaid Credit Cards

Prepaid credit cards or debit cards can also be used to establish credit history.  People with bad credit can also use prepaid cards to improve their credit scores.  Nevertheless, prepaid debit cards do not provide its cardholders with a credit line.  This means you cannot make advanced purchases payable at a later time. To use your prepaid debit card for payment, you must have an existing cash deposit in your account.  Once the balance runs out, the debit cardholder is required to make a new deposit or reload the card to use it for other transactions.

Choosing the Right Bad Credit Credit Card

Whether you decide to get a secured credit card, an unsecured bad credit credit card, or a prepaid credit card, there are some factors that you need to consider.  Check out the following aspects:

Credit reporting service.  See to it that your chosen credit card for bad credit will report your payments to the major credit bureaus as it is the only way you can establish credit history or improve a low score.

Reasonable interest rate.  Make sure that your secured credit card or unsecured bad credit credit card carries a reasonable interest rate.  If the card offers an introductory rate, check how much the regular APR will be when the introductory period expires.

Minimal set of fees.  Check all the fees associated with your bad credit credit card.  See to it that the maintenance costs are within a reasonable range especially when looking for a prepaid debit card.

Shelly Evans is a freelance writer and loan consultant. The website http://www.badcreditresources.com offers resources that specialize in providing bad credit loans and bad credit cards for people with bad credit.

What are the easiest credit cards to get for someone who just turned 18?

I just turned 18 and I want to establish my credit. I already own a car so I don’t want to get an auto loan to start establishing it. I want to get a credit card with a low credit limit so I can start establishing it. Where are the easiest places to get credit cards?
My bank does not have credit cards. I also do not feel like changing banks because I have been with this one for 2 years.

Answer
I would go for the bp visa. for the first 60 days you get 10% rebate on bp gas, 4 % on hotels and food, and 2% on other items. after 60 days it drops to 5,2,1%.. You then can get gas cards with the rebates( 25 dollars a shot). It’s nice to get the money back and they send me a $10 gas card in Dec just for being a member, not sure if they do that every year.

Choose Right Credit Card For According To Your Need

August 18th, 2012 by admin

People who have bad credit score generally face trouble while getting a good credit card, but with fair credit, problem is different. You could be confused to choose the best plan. I have seen people who have fair credit score. They get confused while choosing one. Yes there is no doubt it is a big decision to take, and the only thing can help you is research.

This is not first time when I am asking to do research, earlier many times you did research but the result was not satisfactory. Then what to do?? Don’t worry may you were on wrong track, today I will tell you the right way…

Your Own Requirements

Knowing the purpose is important for any cause. If you are just going to have another credit card or this is your first, then better to know the requirement and ask a question to yourself ‘Why’. The answer will let you know the reason.

Person who already have a credit card and looking for a new one it means either he is not satisfied with the current company or looking for some better offers available in the market. In case you are not satisfied or looking for better offer then better to discuss with the company representative. It might possible you get a perfect solution or better offer on your current card.

Person who is applying first time need to know his reasons. People look for a credit card either to transfer balance frequently, online transactions, shopping or to pay bills. For a specific purpose you can get a particular plan. However companies are providing cards according to the customer demand, still there are few offers available which are good for every purpose.

Select Appropriate Offer

Once you know your need it would be easy to choose an offer, but before you start looking for credit card first check your credit score. If you have bad score then look accordingly, if you are looking for credit cards for fair credit then you will find offer accordingly. There are several companies that are providing different offers including zero balance transfer, zero APR, introductory offer, etc. Some of the plans are made for specific time period, so whatever plan you are choosing first read and understand their facilities.

It happened with people that they have chosen zero balance transfer credit card but after a particular time period they get to know they are being charged for every transaction. It’s better to know every terms and conditions before you choose one of the best.

Compare Before You Apply

After choosing a plan, you need to look how many companies are offering similar plan. Choose some of the popular and reputed providers then compare their offers. While comparing them consider each point carefully. Know about their charges (Some could be hidden) and read terms %26 condition plus policies carefully. In case you have any doubt discuss with a person who is reliable and has knowledge about it.

After comparing every term you will be able to know the best company. Choose one of the best and apply for credit cards.

So, now you know the best way to choosing credit card, go and choose one for you. Always remember, be careful while choosing anything and don’t forget to compare.

Choosing credit cards for fair credit is not difficult, just you need to know your need and look for suitable offer accordingly. For more details and comparison you can visit credit-land.com

Balance Transfer Credit Cards for Fair/Poor Credit….

I have about 3,000 in debt from credit cards and medical bills and and each card has a high APR and interest rates. I’ve been ha ving trouble making on time payments. I was thinking about transferring all the debt into one card so I can make one large monthly payment without so much interest. Is this a good idea. What is a good card or company to go with or should I talk to those debt consolidation people. I had my time of plastic crazy and want to get my credit rating back to were it was.

I also have student loans to apply for soon and was going to start paying the interest on those right away to save money in the long run.

What should I do? Thanks so much!
I work full time for a huge global company and live on my own and am 19 am starting school soon.

So of course money is going to be tight.

Answer
If I were you I would talk to my Credit Union. In most cases you can find a Credit Union in your area that you can belong to (see link in Sources).

I would NOT go to one of those consolidation people (unless they were affiliated with the government). Most are out for themselves and trying to make money off you. If you do not have a Credit Union (CU) you can become a member of, then a bank would be OK. You have to be more careful with a bank because they are also a profit based business. CU’s are not for profit organizations.

Consolidating your credit cards into a single loan could help. Watch the interest rate and make sure you are not paying more. You might have to get a co-signer (if you can find one). Also, watch out for low teaser rates that will rise soon after you get your loan (or credit card). By missing some payments, you have probably hurt yourself so your credit score will not be good. Your current credit card interest rates may have jumped up too. (They do that if you start missing payments.)

If your current job does not provide enough income to meet your expenses, you are going to have to bite the bullet for a while – lower your expenses and do extra work to get back on financial track. I think a Credit Union could help you with that. Do an internet search on “Credit Unions” to get more information.

How to Select Best Debt Consolidation Provider Company

August 18th, 2012 by admin

Mounting debts can become a great cause of worry and can hamper your financial status. Failing to take timely action can even result in bankruptcy. One solution to your mounting debts is to consolidate your debts. Debt consolidation means taking a new loan to pay off old loans. The main purpose for consolidating debt is to secure lower interest rate or a fixed interest rate for the convenience of having only one loan to pay off. It is possible to replace all your debts or part of your debt with one debt in a single and manageable loan pay off.   

Advantages of Debts Consolidation:

The ever increasing interest rates can make loan repayment and money management very difficult. The only solution for mounting debts is to consolidate debt. Some of the advantages of consolidation of debts are

•    Reduces the total amount of your loan.
•    Collateral’s will reduce interest rates.
•    It is the best way to get out of debts faster.
•    Eliminates multiple loan payments.
•    Allows you to get back on a smooth money management plan.
•    Avoids bankruptcy.
•    You can rebuild your credit.
•    Eliminates financial stress.
•    Enables you to manage your expenses in a better way.
•    Provides financial security.

How to Select a Debt Consolidation Provider?

There are many debt consolidate providers who can provide a way out from your debts. However, if you are not careful enough in selecting a provider with good integrity, then you could run into more trouble. Therefore, before you make your decision, answer the following questions to ensure that your provider is good enough to help you out.

•    Is the provider legitimate?
•    What is his reputation in the market?
•    Does he have a good track record?
•    Does he hold a license to operate?
•    Are there any criminal records against him?
•    What do his clients say about him?
•    Are his prices, policies, terms and conditions realistic?

What Do Debt Consolidation Providers Offer?

Consolidation debt providers not only provide solutions to your mounting debts, but they often provide counseling to customers, which goes a long way in easing the financial stress that you may be facing due to your loan crises. A good debt consolidation provider should either be able to cancel your debts or reduce your penalty fees. However, before you choose your provider, you should always try and get free quotes from couple of providers and compare the quotes along with the new loans against your old loans.

Debt Mediators is a leading financial consulting organization of the country. Author writes articles on consolidation debt, debt consolidation and consolidation of debts. For more details please visit the website http://www.debtmediators.com.au/

What is a reputable debt consolidation company?

I fell behind on my credit cards when I had an emergency medical expense. Even though I have a steady job and income, they’ve raised the payments and dropped the limits so there’s no chance I’ll catch up. I want to do debt consolidation but most companies Google brings me are a scam. I know it ruins your credit, but 8 90+ past due accounts does that too. I’ve been unable to work out plans with them or find a second job. What is a reputable company?

Answer
For my debt issues I would go here: http://www.direct.gov.uk

They are extremely helpful and are a mine of Free relevant information about debt consolidation.

Another source of Free info

http://debt-help-debt.blogspot.com/

Picking the Right Student Credit Cards

August 18th, 2012 by admin

Is there such a thing as a student credit card? If you have heard about student credit cards and are wondering if such cards do exist, then wonder no more. There are indeed such cards in the market, and these are the ones that students can definitely avail of.

The whole idea of students having such credit cards is to help students value independence through spending wisely. Of course, there are pros and cons in possessing these cards – all of which are very vital for every student interested in getting one of these cards. To avoid drastic decision-making, here are some things that you would possibly want to know about how student credit cards work in general.

An easy way of taking out a loan is through the use of a credit card. The credit card company that issues credit cards allows each student to make purchases through the use of the card while they, the company, pay for them for the meantime. Like any other loan, you need to pay for the credit you have acquired, as well as other rates charged, such as interest rates. Credit card companies issue low credit limit for these cards because they know how limited the budget of each student is. This type of card is also easier to acquire compared to all the other credit cards available in the market. This card helps students keep their credits at a rate wherein they will not get into so much trouble in paying them.

There are many privileges offered by student credit cards. These advantages include allowing students to pay for phone bills online or through the telephone without any hassles. The credit card also offers protection to avoid theft situations. Moreover, credit cards are also very helpful in emergency cases – these give you easy access to cash when the situation calls for desperate measures and you have virtually no cash on hand. Now, this is quite a familiar scenario for students since there are times when sudden projects would require students to shell out money for supplies and the like. Good for students whose parents are easily accessible because they can ask for assistance right away.

However, for college students studying far from home, this would be much of a bother. Thus, having student credit cards would definitely be handy in such a scenario. And the best advantage of all is that the student credit card helps the cardholder practice finance management, thereby preparing his or her own self before leaving the academe and entering the corporate world. This is one huge advantage that students are privileged enough to enjoy right now.

Elizabeth Williams, Editor-in-Chief for CreditCardFlyers.com

CreditCardFlyers.com makes it easy to compare and apply for a variety of credit cards featuring low or 0 balance transfer interest rates.

How often do college students get approved for student credit cards?

Answer
As long as you prove that you can make some income, or you have a co-signer, it’s fairly simple. I looked at findcollegecards online, and they had stated that Citi Bank has the best approval rates when it comes to students in college.

Simple Means of no Credit Check Loans

August 18th, 2012 by admin

Now days there are many people that have a hard time catching up with bills but do not have the money to do it. Payday loans are basically short term loans provided by payday lenders to a borrower. They can get this money by getting a loan even if they have bad credit. A person can do this by getting a no credit check loans. This is the kind of loan that a person will have to get if their credit scores are low and if they have difficulty with finances.

Of course there is no real definition for a bad credit loan. It is just a number of different types of loans that are tailored to the people that have bad credit. A person should know the difference of the entire loan that is out there so that they know which one the need for their selves in their financial crisis. Many of these that have the higher payouts will have requirements that are harsh. A person must know the differences of the types of loans that will suit their needs and the best bad credit loans that are out there as well.

One of the questions that are first on anyone’s mind about the bad credit loan is will they be able to get it will any kind of score? How poor can their credit really be? The different types of loans will have those requirements that are different as well. Many of these loans will not have the checks for credit, so it will not really matter how poor the credit is for that person. Of course, these kinds of loans will not give a person what they need. There are other kinds of loans that will be tailored for those people that have the credit that is bad that will still have the credit checks run. Therefore, if they do not meet the requirements they will not get it at all.

These cash advance loans are also known as payday loans no credit check as they do not have to check a person’s credit at all. Nevertheless, this kind of loan will not offer very much cash and the repayments are short programs. A person can only receive up to a couple thousand and they will have to pay it back in six months at the most. For a person to get approved they have to have a bank account so that they have somewhere that the company can deposit the money and proof that they have an income that is sturdy. Of course, this kind of loan will have the rate of interest that is highest for this financial product for all of the market for loans.

The next of the personal loans is the bad credit personal loans are what many people will need when they are looking for a loan for bad credit. The Unsecured Personal Loan will be for those people that have a credit score that is low and poor history of credit. Of course these are hard to qualify for. A person will need an income that is sturdy and credit that is from the near past that is free from delinquencies that are critical.

InstantLoansNeed.co.uk is a complete online guide for all your No Credit Check Loans and Payday Lenders. It also provides you with comparison chart of the top Payday Loans no Credit Check and credit cards lenders.

What Do You Think of This Economic Stimulus Plan?

Sometime this year, we taxpayers will again receive another ‘Economic Stimulus’ payment. This is indeed a very exciting program, and i’ll explain it by using a Q & A format:

Q. What is an ‘Economic Stimulus’ payment?

A. It is money that the federal government will send to taxpayers.

Q.. Where will the government get this money?

A. From taxpayers.

Q. So the government is giving me back my own money?

A. Only a smidgen of it.

Q. What is the purpose of this payment?

A. The plan is for you to use the money to purchase a high-definition TV set, thus stimulating the economy.

Q. But isn’t that stimulating the economy of China?

A. Shut up.

Below is some helpful advice on how to best help the U.S. economy by spending your stimulus check wisely:

* If you spend the stimulus money at Wal-Mart, the money will go to China or Sri Lanka.

* If you spend it on gasoline, your money will go to the Arabs.

* If you purchase a computer, it will go to India , Taiwan or China.

* If you purchase fruit and vegetables, it will go to Mexico, Honduras, and Guatemala.

* If you buy an efficient car, it will go to Japan or Korea.

* If you purchase useless stuff, it will go to Taiwan.

* If you pay your credit cards off, or buy stock, it will go to management bonuses, and they will hide it offshore.

Instead, keep the money in America by:

1) Spending it at yard sales, or

2) Going to ball games, or

3) Spending it on prostitutes, or

4) Beer, or

5) Tattoos.

(These are the only American businesses still operating in the U.S.)

Conclusion:

Go to a ball game with a tattooed prostitute whom you met at a yard sale and drink beer all day!

Answer
I back Barack

How to Raise Your FICO Score to Get a Good Credit Report

August 18th, 2012 by admin

If you do not have a good credit report, you may have to face some critical problems. As the banks, do not want to take a risk of giving loans to the bad credit scorers, it is not always possible for you to buy a new car or start a new business without taking a loan. Therefore, you have to be concerned about your good credit score. A good credit report will provide you good scores.

If you think that procuring higher credit scores is hard enough, then you are wrong. Having a credit report has been very straightforward at present. Only you have to gather some information about the procedure to get the good and genuine credit report.

The most important thing to get a good credit report is your higher FICO score. Your FICO score will contain three digits. Your capability to pay the bills and loans are indicated by this FICO score. The lower the score is, greater the problems occur. The banks will judge you as a higher risk. Therefore, they will not agree to give you a loan. Utility companies, insurance companies will also think alike. It will fetch more problems in your financial as well as in your personal life.

You can go ahead in the following way to hoist your FICO score:

Contact the three main credit report bureaus and entitle your name to get a free of cost credit report per year. You can get a tri-merged credit report from the three bureaus if you spend a little amount of money. You can get all the important information in this way.
Sort out the negative records that may cause your credit scores to lower down. Now delete all those negative records from your credit report.
Try to avoid late payments, as this could be the cause of low credit score.
If your amount overdue has passed the statute of restrictions, you have to argue with them or ask the creditors to solve the problem. If you locate incorrect debts or loans in your report, and if you do not agree with their conditions, these can be removed by the credit report bureaus. You should prepare a dispute letter for each point separately. After that, propel them to the credit report bureaus for verification. You might have to wait for about fifty to sixty days to get a response from them. However, you can be assured that they would definitely remove those bad listing from your report and send you a revised report.
Removing all the bad credits alone would not fetch you the higher credit scores. If you want a good credit report, you yourself should build good credit. You have to maintain your balance below thirty percent of the amount, which they have approved for you. Your credit score will decrease if you use the balance over forty five to fifty percent of the account’s limit.
You can use secured credit card to establish a positive activity.

For details of our credit report,Please Visit our website Creditreport.org

GreatShield Ultra AntiGlare Matte Clear Screen Protector Film for Amazon Kindle 2011 Kindle Touch Kindle Keyboard Kindle 2nd Generation 3 Pack

August 17th, 2012 by admin
Brand GreatShield
Model GS70019
Price 14.99
Listprice $14.99

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Description

#sfp-listing-container width: 80%; margin: 0 auto; font-family: arial, helvetica, sans-serif; font-size: medium; #sfp-listing-container h5 color: #c60; font-size: medium; margin: 1.5em 0 0.5em; padding-bottom: 0.25em; border-bottom: 2px solid gray; #sfp-listing-container > div width: 100%; margin: 0; padding: 0; clear: both; #sfp-listing-container > div::after, #sfp-listing-container ul li::after content: “.”; clear: both; display: block; font-size: 0; line-height: 0; height: 0; overflow: hidden; #sfp-listing-container img border: 0 none; margin: 0; padding: 0; #sfp-listing-top img max-width: 400px; max-height: 400px; float: left; #sfp-listing-middle img max-width: 50%; float: left; #sfp-listing-container > div#sfp-listing-footer border-top: 1px dashed gray; margin-top: 2em; padding-top: 2em; #sfp-listing-footer > ul margin: 0; padding: 0; width: 100%; list-style-type: none; #sfp-listing-footer > ul > li border-top: 1px dashed gray; padding: 1em 0; #sfp-listing-footer > ul > li:first-child border-top: 0 none; #sfp-listing-footer > ul > li > div float: left; width: 25%; text-align: center; padding: 1em 0.5em; #sfp-listing-footer > ul > li > div > img max-width: 100px; max-height: 100px; display: block; margin: 0 auto; #sfp-listing-footer > ul > li > ul float: right; margin: 0; padding: 1em; border: 1px solid gray; border-radius: 10px; list-style-type: none; max-width: 60%; text-align: center; #sfp-listing-footer > ul > li > ul > li max-width: 100px; text-align: center; font-size: small; vertical-align: top; display: inline-block; margin: 5px; #sfp-listing-footer > ul > li > ul > li a display: block; width: 100%; #sfp-listing-footer > ul > li > ul > li img max-width: 75px; max-height: 750px; display: block; margin: 0 auto;

Daily use of your device unprotected can potentionally scratch and damage the sensetive LCD screen surface of your favorite touch screen gadgets. Even a soft-tipped stylus has hard edges that can damage a delicate screen if not used carefully. GreatShield Screen protectors are High Quality Screen Protectors made to keep your electronic device’s LCD screen protected.

Superior Protection

GreatShield Screen Protectors can keep your portable touch screen devices looking as good as the day you bought them by helping to prevent scratches, nicks, and scrapes. Why do our products offer superior protection to your average screen guard? Simply put, GreatShield Screen Protectors are made from a much more durable film which is imported from Japan. The material is made from clear thermoplastic urethane-based film, which is slightly thicker than regular screen protectors. Even so, by measuring in at only 0.008 inches the film is hardly noticeable once installed.

Precise, Custom Fit

GreatShield Screen Protectors are precisely cut to fit the screen of your device perfectly so the screen protector adheres seamlessly to your device, yet will not reduce the sensitivity of your touch screen.

No-Mess Application/Removal

The glue-less adhesive side of the screen protector ensures zero-to-minimal bubbles during application when installed correctly. The screen protector smoothly adheres to your screen and removes easily without leaving any trace of residue behind.

Glare-Free Advantage

The GreatShield Anti-Glare Screen Protector works by canceling out glare and blocking the reflection of UV rays. This allows users to see the display clearer in and outdoors, even while wearing polarized sunglasses.

Easy Installation

Very easy to follow instructions are listed clearly on the packaging of every GreatShield Screen Protector.

Recommended GreatShield Kindle Accessories
  • Kindle Fire
    • GreatShield Anti-Glare Kindle Fire
    • GreatShield Clear Kindle Fire
  • Stylus
    • GreatShield Capacitive Stylus

….more info

Features

  • 3 Pack anti-glare, clear hard coating premium screen protector film for Amazon Kindle (2011), Kindle Touch, Kindle Keyboard, Kindle 2nd Generation
  • Can be removed and washed for reuse, leaves no residue
  • Perfect fit: precisely engineered to fit your Kindle perfectly
  • Includes: GreatShield Screen Protector (3-Pack), Micro fiber cleaning cloth
  • Material: 3-layer PET film from Japan

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