Monday, 6th February 2012.

Examining Student Credit Card Interest Rates

Posted on Wednesday, 11th January 2012 by Erin Jones

As if choosing a college and moving away from home for the first time wasn’t stressful enough, many college students are also faced with the choice of getting their first credit cards and beginning to build their credit histories.  Many lenders offer credit cards designed with students in mind and relentlessly push new applications on the new students on campus.  While a student credit card can be a wonderful way for a college student to build a credit profile, there are some pitfalls for the unwary that can cost the student a lot of money over the long haul.  Here is one of the most important things to look for in a student credit card.

Before signing up for any credit card, it is important to know what the interest rate for the credit card would be.  A high interest rate means that you will spend more money for the purchases placed on the credit card, especially if you are not able to pay off the entire balance every month.  A credit card with a low interest rate will generally have a rate of less than 10% while a credit card with a high interest rate could be as high as 30%.  You should look for the student credit card with the lowest interest rate and the highest credit limit you qualify for.

Some student credit cards offer students an introductory interest rate of 5% or less in order to entice them into signing up for the credit card and using it for general purchases.  Unfortunately, after a set period of time, the interest rate increases dramatically and is applied to all future purchases that are made on the credit card.  Be sure to read the terms and conditions of the credit card application carefully so that you will know what the interest rate will be during the introductory period and after.

Tags: Card, Credit Card
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Call on cash accounts to avoid debt misery

Posted on Saturday, 7th January 2012 by Emily Smith

This week will be a big one for investors, policymakers, home loan customers and first-home buyers as the Reserve Bank of Australia (RBA) prepares to make its next decision on whether to lower interest rates again.

But the Sydney Morning Herald reports that while one eye will be focused on the RBA on Tuesday (February 3rd), many people are apprehensive about official data out on the same day which could show that the country has slipped into a recession.

Speaking to the paper, a panel of experts said that the RBA is likely to pull down interest rates to an even three per cent, an event that is likely to be met with some joy among those looking to compare home loans and get on the property ladder.

Those on a variable rate home loan will also see their average repayments fall, which may make a possible recession slightly easier to bear.

It may also prove an opportune time to compare home loans and lock yourself into a fixed rate deal after some experts warned that the RBA is running out of room to make further interest rate cuts.

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Save your money with balance transfer credit cards

Posted on Saturday, 7th January 2012 by admin

credit cardsThe best credit card offers are used for transferring the balance from one credit card to a new credit card. By taking advantage of this process, you can combine all your credit card debts accumulated. Each credit card has specific offers, so you’ll want to read each agreement carefully to be sure to get the benefits you want and need.

A major advantage of using a balance transfer is that you are generally offered an affordable introductory period. It is a time period that is specified at the outset that you pay 0% interest rate. Depending on the specific offer of the credit card company, the introductory period of 0% APR can last from six months to as long as eighteen months. This advantage can save consumers a lot of money. Read more…

Tags: Credit Cards
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Jan 9, Microsoft Stock Price (MSFT) Today, Chart, Price, Analysis, Target

Posted on Friday, 6th January 2012 by Vanessa Miller

Find out where Microsoft stock price is heading, upwards or downwards, in what time frame and based on what factors. News, discussions, analysis and more. Looking for Broker?

Online Stock Brokers – Reviews, Ratings, Comparison, and More

Selecting appropriate stock broker is one of key steps to success of every trader or investor!

Tags: Analysis, Microsoft Stock, Microsoft Stock Price, Stock Price
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How to sell anything using social media

Posted on Thursday, 5th January 2012 by Erin Jones

One of my predictions for 2012 is that more people will come to understand that you can indeed do business using social networks and, frankly, I’m already seeing it.

First off, people are getting more comfortable with social media and social behavior. The idea is fading that social media is a pure engagement temple mentality.

More importantly, however, is that smart marketers are testing, tweaking and trying lots of things and figuring out how to build know, like and trust – the path to selling anything, anywhere – on social networks.

In my own experimenting I can tell you that generating and converting leads using social media takes a more patient approach, but once you find the right path, it’s actually a better way to sell in any environment.

The reason I see many people’s social media marketing efforts fail is that they are still simply broadcasting sales messages. This approach still works to some degree in an advertising setting because people often stumble upon your ads with a buying intent. It still

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Tags: Social, Using Social
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Finding Common Economic Ground

Posted on Monday, 2nd January 2012 by Vanessa Miller

It seems like America is becoming a more polarized place than ever. You can’t turn on the news without seeing a group of people protesting the President for being too liberal or a group of people protesting because he is not funding the proper social programs. No matter which way you look at it, the country is divided about our economic landscape and there seems to be little we are actively doing about it.

Because of technology like Smartphones, Wi-Fi Internet, and social media, we are connected to a world of ideas that should connect us more. Instead of connecting us, we usually seek out opinions and information skewed to the side we are already on. Instead of discovering new and innovative ideas about personal finance and the economy, we are stuck in a cycle that fears change.

Presidential candidate Ron Paul offers an extremely conservative political approach in his campaign, and a lot of Americans are drawn to it. Taking personal responsibility with our finances is a lost art form because we usually rely on our work, government, or other large institution to handle it for us.

So many people like Ron Paul’s ideas because they have not been heard in a couple of generations. Bec

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