Tag Archives: credit

Bad Credit? – Look How Much It Costs

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This is actually eye opening as if you do have bad credit you need to get rid of it as soon as possible as it will dig into your pocket for years to come.

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Tips for Safe Online Shopping

This was sent to me via the Trustmartk Bank and thought it was worth passing this on as I believe it to be good advice to secure your online shopping experience.

Tips for Safe Online Shopping

There is good news and bad news for consumers that shop online or use a retailer’s custom mobile application.

The good news is there are plenty of available bargains online and through a retailer’s mobile app. Shopping has never been easier or more convenient. In fact, consumers are spending more than two hours per day on mobile apps.

The bad news is shopping online or with a mobile device has risks. Unscrupulous people attempt to take advantage of unwary shoppers. In the virtual world, it can be difficult to distinguish reputable retailers from criminals. Thieves can easily set up a fraudulent website or mobile app that appears to be a legitimate business and attempt to swindle you out of your sign-in credentials or credit card information.

Shopping online and via mobile apps requires special precautions:
Use familiar websites and only download apps from trusted enterprise app stores.
Use strong passwords. A complex password can be the best security defense you have.
Use a good anti-virus and anti-malware program. It is critical that online shoppers secure their devices from viruses and other attacks.
Share payment information only with known or reputable vendors.
Use a credit card instead of a debit card. Credit cards can be the safer choice for online shopping—if someone manages to intercept your financial information online, they can do less damage, and you have more recourse than if you’d used a debit card.
Make sure the order checkout area is encrypted. Make sure the vendor uses SSL (secure socket layers) technology to encrypt information. Look for the URL that begins with “https:”; instead of “http:”.
Print or save a copy of your orders and keep it until you receive your product and verify the transaction on your monthly statement.
Buyer beware. If the offer looks too good to be true, it probably is.
Approaching online shopping with a little bit of skepticism can enable consumers to reap the benefits of convenience while limiting the exposure to security threats.

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Snowden – Hero or Traitor

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Just thought I would mention this movie on Edward Snowden (who was an employee of the NSA) that I went and saw on the weekend. Hero or Traitor? In my opinion he was a Hero. I want my Grandchildren to know who they are up against in their future. 

I remember years ago when I was about 25 yrs old I used to get these conspiracy letters from some fellow (can’t remember his name now) that lived in Western Australia.
Most of it I found disturbing, only to find as the years went by, all that he predicted came to fruition.
Example was smart cards, credit cards and ID cards that let big brother know your every move every day. Machines would photograph you evey-time you made a withdrawal or deposit. What you buy, where you buy, when you buy, what time you buy where you buy fuel what fuel station where you are traveling. That eventually your computers will be spying on you. You will have a number attached to your body and soul.
I ended up cancelling my subscription to this news letter as I found it far too depressing.
I personally had no idea that all that he wrote was either happening or eventually did happen.

You could say, “well I have nothing to hide it does not bother me” but after you see this movie I think that you may consider covering up the camera lens on your computer especially if you have it in the bedroom or hotel room.
Also know that your mobile phone is a tracking device for everyone in your family.

Oliver Stone directed this movie.Oliver Stone has also made many great movies like ‘Platoon’, ‘Born on the Fourth of July’,’Wall Street’ and many others.
The surveillance by the NSA that Snowden uncovered, was and is illegal. I believe him to be a very gutsy millennial who in my opinion was brilliant and thrust into a world that was bewildering, stressful and fearful for him to comprehend and not expose.

Look I believe everyone should go see this movie. It is compelling and parts of it will shock you into taking better care of your privacy.

If you can’t get to the movies then as soon as it comes out on video you need to get it.

Lesley Voth

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Stretch your dollars — Get rid of Your Debt

Debt-Free

 

It does not matter where you live. Credit card debt can be one of the most difficult things to overcome in trying to get ahead financially. Having a high balance on your cards will hurt your credit score, and it can be extremely challenging to break the spending habits that got you into debt in the first place.

Thankfully poor credit is not the end of the world—  There are some credit cards for people with bad credit — but it can make your finances more challenging. Not advisable unless it is totally necessary it costs.

One of the best ways to improve your credit while tackling debt is to prioritize making payments on time and reducing spending, so you can chip away at your credit card debt rather than add to it.

Paying off your credit card debt may also help you save money. The sooner you pay it off, the less you’re going to pay in interest and can save over time.  We all  kinda know that,  but sometimes we need to reminded of the advantages of getting rid of that debt. Its like a load off your shoulders.

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More info in Simply Fantastic – Living better on less

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Top 7 Credit Card For Those With Good Credit

If you have good credit then you obviously know how to manage your money. Ideally a credit card should be used for investing rather than consuming, but you already know that.
A credit card can be an advantage when making a quick turnover deal, that way you can use the banks money for very little cost and the money is always available especially if your credit rating is excellent. Anyway I thought this was a good article for anyone that is not happy with the credit card that they have.

Credit-Cards

Top 7 Credit Card Offers For Those With Excellent Credit
by Tasha Lockyer November 6, 2013

Do you have excellent credit? If so, banks are actively looking to win you as a new credit card customer by offering some unprecedented deals. Although banks have been more careful about acquiring customers with questionable credit since the 2008 Financial Crisis, they are now fighting harder than ever to win coveted customers with great credit. If you are in the excellent credit sweet spot, they are effectively giving you money (and a lot of it) to use their credit cards. These are the top 7 deals you can take advantage of today:

Citi Simplicity® Card: Shopping for a special item for yourself or someone else? This card will let you make big purchases then carry that balance into 2016 without paying a dime of interest. The Citi Simplicity Card features an incredibly lengthy 18-month 0% introductory APR for purchases and balance transfers. And there are no late fees, convenient if you sometimes forget to pay your bill on time, as well as no annual fee. The combination makes this card perfect for anyone looking to make a large purchase (or several purchases) or who is interested in transferring balances from other high-interest credit cards to this one. Either way it’s a smart choice.

Cash Preferred® Card from American Express: This is such a great cash back card that I have one. Cardholders earn 6% cash back at supermarkets (up to $6K in purchases), 3% on gas and at department stores and 1% on everything else. The 3% cash back at department stores is sure to come in handy this holiday season, as will the 6% at supermarkets if you’re hosting any holiday dinners or have guests visiting. Plus there is a $150 intro bonus that you’ll get after making $1,000 in purchases with your new Card in the first three months – that’s a 15% cash back bonus on the first $1,000 you spend! In addition you’ll enjoy a 0% 15-month intro APR on purchases and balance transfers. There is a $75 annual fee, but depending upon your spending patterns this card should easily pay for itself and then some.

Barclay Arrival Plus™ World Elite Mastercard®: Like to travel? This is the card for you. You’ll earn 2 miles per dollar for every purchase, and a bonus 40,000 miles – equal to $400 in travel – after spending $3,000 in the first 90 days of card membership. To use your miles, just book your travel and redeem your miles for a statement credit. You can make your travel arrangements however you’d like (by phone, online, using an agent, etc), fly any airline to any destination, and enjoy no blackout dates.

An added perk of this card is that if you use your miles to pay for travel you’ll receive 10% of those miles back. So redeeming 10,000 miles will actually earn you a 1,000 mile bonus that will be deposited into your awards bank! That means if you take the 40,000 bonus miles and redeem them for travel they’ll actually be worth 44,000 miles or $440. That’s a pretty nice bonus just for signing up and using the card. Plus there are no foreign transaction fees, so you’ll save money when you travel outside the US. There is a $89 annual fee, but it’s waived the first year. Overall this is a fabulous travel card and we highly recommend it.

Blue Cash Everyday Card from American Express: Need some extra cash? The Blue Cash Everyday Card from American Express (a NextAdvisor advertiser) is offering a great $100 bonus for a limited time. To get the bonus you only need to spend $1,000 in the first 3 months, which is pretty easy to do for most people. When you think about it, it’s a 10% cash back bonus on the first $1,000 you spend! Plus you’ll earn 3% cash back at supermarkets (on up to $6K in purchases each year), 2% cash back at gas stations and select department stores like Sears, J.C. Penny and Kohls, and 1% cash back on everything else. You’ll also enjoy 15 months of a 0% APR on both purchases and balance transfers, giving you a little bit of a cushion to help pay items off. And to top it all off there’s no annual fee and the cash back rewards never expire.

BankAmericard Cash RewardsTM Credit Card: If you’re in the market for a great cash back rewards cards that also has a 12-month 0% APR, this is a smart pick. Not only can you transfer over balances from your high-interest cards to the BankAmericard Cash Rewards card and pay zero interest for a full year, but you’ll get the same 0% intro APR on new card purchases. Plus you’ll earn 3% cash back on gas and 2% cash back on grocery stores (for the first $1,500 in combined grocery and gas purchases each quarter) and 1% cash back on everything else. And the cherry on top is you’ll earn an additional $100 cash back after spending $500 in the first 3 months. This card really does have it all – cash back, an extra cash back bonus, a length 0% intro APR on purchases and balance transfers AND no annual fee.

Slate® from Chase: This card was designed with credit card balance consolidation in mind. Its 15-month, 0% introductory APR on both balance transfers and purchases translates to interest-free payments until 2015. Plus, there are no balance transfer fees during the first 60 days of card membership. This is a big deal, as depending upon how much you plan to transfer, balance transfer fees can really add up. In fact, a $0 intro balance transfer fee can save you hundreds of dollars in fees, and the $0 annual fee is also a money-saver. So if you have excellent credit, you absolutely should not be paying any credit card interest. Get this card and transfer your balances.

Chase Sapphire Preferred®: This is a rewards cards with lots of flexibility. It starts off by earning you 2 points for each dollar spent on travel and dining out, and 1 point per dollar on all other purchases. That’s followed up by a 40,000 point bonus after spending $3,000 in the 3 months equal – equal to $500 in travel rewards. Redeeming your earned points via Chase’s Ultimate Rewards saves 20% off travel costs, enabling you to stretch 40,000 worth of points to $500 in travel. You can also redeem your points for cash back, gift cards and merchandise.

The best part is that you can transfer your points 1:1 to many frequent travel programs with no transfer fees, including United MileagePlus, SouthWest Rapid Rewards, Hyatt Gold Passport and Marriot Rewards. That means 1,000 points are equal to 1,000 partner miles/points, straightforward and simple. This feature is likely to appeal to road warriors who are members of various partner programs, as users aren’t limited to spending their points via Chase’s rewards program. There is a $95 annual fee, but it is waived the first year.

 

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Saving Tip For Today – 07/24/2013

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Free Credit Report

Don’t pay for your credit report. Request a free copy once a year from each of the three credit – reporting companies (Equifax, TransUnion and Experian) at AnnualCreditReport.com

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The Value Of Paying Off Your Credit Card Debt Faster

This is a fine example of how much extra you pay on your purchases if you only pay the minimum each month on your Credit card. I know which one I would choose to pay.
So every time you buy something and put it on your credit card and just keep paying the minimum monthly payment it will give you some idea how much extra that item is costing you.

MINIMUM MONTHLY PAYMENT – OR NOT

SOURCE: VISUALISING ECONOMICS

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