Jun 23, 2011

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Plastic Money For Beginners

Plastic money” is a term dubbed by the people of the world in reference to the wondrous item called the “credit card.” And at the rate the economy is going and with the pace of life that we have right now we want everything done the express way. That’s why a lot of businessmen, young professionals, big bankers and even well-off students are lining up inside their trusted banks, credit card application in one hand and the need to have instant credit on the other.

Of credit, cards and credit card application
Credit card applications have taken over the need to have cold cash and a lot of people are trading in their hard-earned green bucks for a shot of having the charge-it-card. But along with your credit card application is the responsibility that we are mainly unaware of. So when you are thinking about falling in line to get started with your credit card account and before you start filling up the fields necessary to get up and running with your credit card application know all the precautions and the counter measures for you to be protected by the federal law. Credit card application, as we all know takes a lot of time with regards to the verification of the identity of the person on top of the credit card application. Because of the US Patriotic Act that requires further verification of anyone applying for anything on the United States, that includes credit card application, getting anything in the US has become quite a chore. But since the importance of having a credit card is top priority in the US many are still willing to go to immense amount of trouble that is coupled with it.

The importance of having a credit card is very imminent; take for example the average American. An average American from the middle class bracket owns about eight to ten different credit cards and uses all of them at an average if once a day. With this number it’s not surprising that there are about a hundred thousand credit card applications being processed in a single day. And the rate if credit card applications are still expected to rise within the next quarter. The need for credit cards and debit cards is for real and the market should be open for more credit card applications that is expectedly going to flood their way. There will be a great need for more people to look into the responsibility of educating other people on how and when to use their credit cards, because it’s hard earned greenbacks that we are throwing away when we buy online porno and junk like that only profit a few people. So whenever you’re ready grab a pen and paper and get ready to fill up that credit card application form and take one step in the express charging the way you buy.

Most of the time, although your credit card application is mailed to that states that you have been pre-approved, you will still be asked to fill out a credit card application or the ‘acceptance form’. The reason behind this is the need of the bank or the company to verify the identification of the person they have sent the card to. Since most companies offer online credit card application, you may go online to fill out the form so the processing will be convenient and easier.

When filling out your credit card application, there are some important details that should be considered aside from your name and contact information like the query should you accept every offer or not, the possibility of hidden fees that can be quite expensive and the like.
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What You Need To Do Dealing Wih Discounts

Rebates have become more and more popular in the end a few years on a lot of items and for certain on electronic items and computers. Rebates of $10, $40 or $150 are not rare.

I have even seen items advertised as “free after discounts”. Do these rebates come under the heading of “too good to be true”? Some of them do and there are “catches” to watch out for but if you are careful, rebates can help you get some really good deals. 

The way a rebate works is that you pay the enrolled cost for an item then mail in a form and the bar code to the producer and they send you a refund thus reducing the price of what you paid for the item exclude with a time delay of several weeks. 

Rule #1. Discounts from reputable companies are usually just fine.

You will be able to be pretty sure you will acquire the promised rebate from Best Buy, Amazon or Dell but you should probably not count on getting one from a accompany you have never heard of. If you really want the product and are OK with paying the price enrolled then buy it but do not calculate actually getting the refund. 

Rule #2. Check discount expiration dates.

Many times products will stay on the shelf of a retailer after the date for sending in the rebate offer has expired so check that date carefully.

Rule #3. Be sure you have all the forms asked to file for the discount before you leave the store.

Discounts will almost always require a form to be filled out, a receipt for the purchase and a bar code. 

Rule #4. Back up your rebate claim. 

Make replicates of everything you send in to get your discount admitting the bar code. Stuff gets lost in the mail all the time and if the rebate is for $50 it’s worth the trouble to back up your claim. 

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How To Spend With Wisdom to Save Money

Have you ever discovered that the things you buy each week at the market and ironmonger'ses go up a few cents between shopping trips? Not by often…just by a bit every week but they continue to sneak up and up.

All it deems the price to jump up by a lot of  a bit hiccough in the world wide market, note the price of gasoline as it relates to world affairs.

There has a way that we can keep these price increases from affecting our personal finances so much and that is by stocking quantity and finding the better conceivable costs as the things we apply and will continue to use everyday… things that will keep just as well on the shelves in our homes as it does on the shelves at the grocery store or hardware store.

For instance, dog food and cat food costs about 10% to a lesser extent when bought by the case than it does when bought at the single can price and if you await as preclude costs you save many more than that.

Allow some blank space in your home and make a list of things that you use on a regular basis which won't spoil. Any grain or grain products will need to be stored in airtight containers that rats can’t get into .

Then set out to find the best prices you can get on quantity purchases of such things as bathroom items and dry and canned food.

You will be surprised at how much you are able to save by buying a twenty pound bag of rice as opposed to a one pound bag but don’t forget that it must be kept in a rat proof container.

You can buy some clothing items such as men’s socks and underwear because those styles don’t change, avoid buying children’s and women’s clothing, those styles change and sizes change too drastically.

Try to acquire and keep a two year supply of these items and you can save hundreds of dollars.

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Budgeting : Avoiding Impulse Expending

Answer this questions honestly:

1.) Does your mate or partner sound off that you expend too much money?

2.) Are you surprised every month when your credit card account arrives at how much more you billed than you thought you had?

3.) Do you have more shoes and clothes in your closet than you could ever maybe wear?

4.) Do you own every newly gadget before it has time to collect dust on a retailer’s ledge?

5.) Do you buy things you didn’t know you wanted until you saw them on display in a store?

If you replied “yes” to any two of the above questions, you are an impulsion spender and indulge yourself in retail therapy.

This is not a fine matter. It will preclude you from saving for the important things like a house, a new car, a vacation or retirement. You must set some financial ends and refuse spending money on items that really don’t matter in the long run. 

Impulse expending will not only arrange a strain on your funds but your relationships, as well. To get over the problem, the first thing to do is learn to separate your needs from your wants.

Advertisers blitz us hawking their products at us 24/7. The trick is to give yourself a cooling-off period before you buy anything that you have not designed for. 

As you go shopping at, make a list and take only enough cash to pay for what you have planned to buy. Leave your credit cards at home.

If you see something you think you actually need, give yourself two weeks to settle if it is really something you need or something you can easily do without. By following this simple solvent, you will restore your financial fences and your relationships.  

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