The best credit card for you

Every now and then you get to receive a phone call from a credit card company offering you one. Or maybe you receive dozens of offers thru mail. The question now here is how and which one do you choose? Just because you need one and the first one that offers you will be the best bet. Sometimes we choose by the one with the most aesthetic appeal. It just doesn't go that way.

So here are some simple tips in guiding you to choosing the best credit card. Before you choose one, try answering a few key questions. Questions like how do you plan to use your credit card? How much is the annual interest rate? How long is the grace period? What are the other fees? How much is the finance charge? What is the credit limit? What are the rewards? For example there are some cards that have features like cash back credit cards which gives you a percentage back on each of the qualified purchases you make on the card or in other words they are what you call rebates.

Another way to find out which credit card that will suit your needs is to compare and review the different types of credit cards. DealsForCreditCards.com is a site that provides consumers with the latest updates and information on the different credit cards. You might want to look specifically at this site : http://www.dealsforcreditcards.com/article/searching_for_the_best_credit_card.html so you will have a better insight on what you should look out for.

This policy is valid from 13 March 2009


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Bills IQ - the end your financial nightmare

One real nightmare that we have to face in these trying and difficult times is to be in the mud of debts. I have learned from my parent’s mistakes and I have made it a point to stay away from being financially drowned by debts. God is good to me because he has taken care of me and my family from such nightmare.

I must say that I am lucky because I know some friends who have been encountering financial plights right now. This has been a very exigent time that the world is going through and you must be able to keep up in order to survive the test.

I have a friend who has been in such a situation for such a long time now where her debts are way above her head. She owes money from almost all of the people she knows and she has even maximized all her credit cards. We wanted to help her but we don’t know how she got into that mess. She has not been vocal about the things that are going on with her. Prayer alone would not suffice so we thought of talking to her so we can understand the root cause of all her financial misery. We found out that she has been borrowing money to pay her other debts. She is joggling funds and this vicious cycle must stop or she’ll never be able to get out of it.

As friends, we are helping her in our own way. We may not support her through money but we can guide her through BillsIQ. In BillsIQ, there is a quiz online that one can take for free. The quiz helps you understand your own state of financial health in terms of Debt consolidation, Debt relief and, Debt help. It also helps you find out where your weaknesses and strengths are in managing your finances. A great deal about it is that there are tips and suggestions on how you can better improve yourself in dealing with your current situation. Prayer alone would not suffice in uplifting yourself from the pitfall of financial anguish. One has to have a will to be able to make it through.

Want to find out if you are financially fit?

When one wants to know if a person is physically fit, you subject that person to a series of tests in a clinic or hospital. The results will indicate if there are some abnormalities or if you are physically sound and healthy. The interpretation of the results will come from a physician or doctor. How about finding out if a person is mentally fit? There is also a way to determine if an individual is in their right state of mind. You make them take a psychological test or you ask them to go to a psychiatrist. Such tests conclude if a person is physically or mentally fit. But wait, is it possible to distinguish if a person is financially fit? Is there such a test that will yield results and be interpreted to be able to establish is one is financially sound or able? Sometimes impossible is almost always possible already in this advance world. People can create things that have been a constant concern of the majority. Take for instance the BillsIQ. It is a tool that will lead people in finding out for themselves their own financial health whether they are in the right track or they just simply need help. Sometimes when it comes to money, we just listen to our own wants and not what we need, the outcome of which is an outright financial downfall. The BillsIQ in layman’s term aids individual in understanding easily the concept of Debt consolidation, Debt relief, Debt help and applying it in their own strategy.
I know what I am talking about because I took the test online and received an 84%B which says that I am below par as against the majority of the respondents. It didn’t give me a hard time in trying to spot out where I am doing wrong. The BillsIQ made it easier for me to discover and recognize the erroneous ways of my saving, budgeting and planning.

Saving for the rainy days

It wasn’t raining when Noah built the ark. Coming from an average-income family and experiencing that lowest point in our life, I have come to appreciate the value of saving something for the rainy days. I am the eldest in the brood of 4 and it took a heavy toll in trying to figure something out how I can pay the debts that we owe. Now that I have a family of my own, I make sure that my kids don’t suffer the same thing because it gives such a big stress physically, mentally and spiritually. I will try my very best to impart to them the lessons that I have learned from it. Money comes by goes out so easily especially at this time when almost everything charges up.
With this in mind, I have to have someone or something to help me with when it comes to planning, budgeting and saving our earnings. Finally, I found an expert when it comes to checking out my financial health and that is the BillsIQ. In BillsIQ, you will learn more about Debt consolidation, Debt help and, Debt relief. I’ve tried the online quiz and I got a score of 84% B. How do I stand with that score? Well it is below average compared to other gender of my age and to the whole population who responded to the quiz. So what is in it for me? How do I benefit from going to their site? First, I get to know more of myself when it comes to the finance aspect. With every question posted at me, I realize something about how I really handle our finances and start to evaluate if it’s working for us. Second, I get some suggestions and guidelines on how to correct or improve areas where I should focus on. This and more, I am sure that people will find it very informative and helpful in their everyday lives.

Education the best way to save!

Before we got married, we thought of having four children – two girls and two boys. Those were the days. Now that times are getting tougher, we planned of having at the most two kids but the heaven didn’t agree and gave us another child. Today, many would agree with me that having two children is more than enough in raising a family. Financially speaking, it is impractical to raise more than two because of the current worldwide economic situation that we are experiencing.

As parents we would want to give all the best to our children and sometimes the best is also tantamount to being financially well-off. Giving your children quality time is never a question in raising a happy and successful kid. However, we also have to be reminded that money is as important in providing them their basic needs such as shelter, clothing, food, water and a healthy and safe environment.

How do we secure their future? The only way to do this is to save. Saving and budgeting your expenses may come in different forms. My husband and I have agreed to do something about our lives with less complication and stress. First, we talk about what things are to be prioritized so that we will be guided by these priorities. Second, we allot something for the “just-in-case-of-emergencies-expenses”. Third, we educate our children and household helpers on how to save on electric and water expenses. Information campaign in the family is also big help in trying to educate and make others aware of how they can contribute in saving money. As an example, you tell them that there should be a schedule in the household chores to save the electricity and water meter running.

Another way to help you from saving and budgeting is to understand your overall financial health and find ways to improve your financial status. How do you do that? There is a way to know your financial status simply by answering the BillsIQ online. This is for free! This way you will know your current financial status and it will also give you tips on how to avoid the financial pitfalls. People will benefit from knowing what their bills IQ score is. It will also be an opportunity to know all about Debt consolidation, Debt relief, Debt help and how to Consolidate debt and stay away from it. Getting the right information helps you save a penny a day!

The future is in your hands!

Retirement already awaits us as we go down two more years. I guess this is one topic that we have been trying to avoid to discuss even in private conversations. As early as now, many of us are trying to squeeze our minds on computing how much we would earn with our retirement pay given a conservative value. Future is always as hazy as it seemed like for almost all of us. For most of my peers here, I think plans are something scary and unstable. As an outsider would hear us when asked about life after 2010, instantaneously they would hear the phrase “Come what may”.

Then again we have to think twice about considering a plan with the way things are happening around us. Bills are piling up and prices of basic commodities are shooting up while there our income languishes. In order to survive and keep up with the world, we think of ways on how to raise our heads with this kind of problem that has been trying to drown us. Luckily, I found a guide that can help me address my plight. They call it the BillsIQ. It is a free financial health check-up which talks about Debt consolidation, how to have a Debt relief by seeking Debt help. I took the free quiz online and it gave me instant results which I can refer to and compare with other baseline data. I got 84% B which when compared with the rest of the population is below average for my age. It doesn’t just give you raw data but it also gives you personal tips and advices which are normally being billed by consultants.

One of those tips that stuck in my mind is on how to save up. Now that retirement is nearing, I must reevaluate my priorities and think of a good plan not only for myself but also for my family. It is suggested that I should document whatever plans I have so that I will have a guide on what and where to spend my retirement pay. It is a good start for moving on to facing 2010. I will have those handy tips in mind wherever I go so I can be debt-free and financially healthy. It is a good thing to know that there are institutions that are ready to help people understand what their financial status and capabilities are.