Making Money with Articles: How to Choose a Web Designer Diposting oleh Raka , Rabu, 31 Maret 2010 at 03.50, in

Making Money with Articles: How to Choose a Web Designer There are two important things to remember when looking for a web designer: First, it is important to go with a freelancer if you are looking for a small and simple site. You can probably get one done for $30 to $50. There are many freelancing companies on the web that you can tap into to find the designer for you. Second, it is important that you ask to see a few sample sites that the web designer has done and that you check any ratings that may be available for the designer. This may keep you from getting wrapped up in a project with someone who will not finish or cannot do the type of job that they claim they can do. If you cannot put together your own website to host your articles on and you dont want to pay the extra $7 to $12 dollars per month that it may cost to get a host that offers a What You See Is What You Get website builder, then your only other option is to hire a web designer. The good thing is that, if you are looking for a very basic 2-5 page site and you hire a freelancer rather than going with a web design company, then it will be relatively easy on your wallet. Word Count 229 PPPPP

Making Money with Articles: How Much Can I Make? Diposting oleh Raka , Selasa, 30 Maret 2010 at 07.37, in

How much you can make from placing articles and affiliate links on your website differs from person to person. How much you are able to make will depend mostly on how successful your site is. This means getting good search engine rankings through SEO efforts, making your site enjoyable and informative to read through engaging content, building your site around a great niche subject, how big your site is, and how many sites you have. Some people claim to make as much as $10,000 per month ($120,000 per year) through building and promoting niche sites, however, most people should not expect this kind of success, especially if you are very new, as that kind of success usually only comes with experience and acquired skill. A reasonable income to expect from a niche site, after you have worked for months to gain traffic and are hooked up with good affiliates, may be $500-$1,000 per month. However this is recurring income, so you will make that much monthly off of the efforts you put into that one site, it is not a one shot deal. After you have a successful site, most choose to continue to build niche sites. The more sites that you build, the better an income you can generate. Some also choose to build very fast and very short sites over sites that are slightly longer in length. It should be noted that the larger each of your sites are, the more income you will likely generate off of them. When starting out, it is important to remember that your first site will always be your hardest, since you are just learning the ropes of the business, and that not everyone is cut out to market and promote niche sites. It may not work out for you and you may end up losing a little bit of money, but that is a risk that everyone in this business has to take. The important thing is that you dont give up without a good shot at it, if this is really what you want to do. Your first site may take a long time, the work may be tedious, and you may feel like throwing in the towel. However, if you give up too early, you will never know what could have been. And who knows, you may be the next great website marketer! Word Count 403 PPPPP

Making Money with Articles: Freelance Writers Diposting oleh Raka , Senin, 29 Maret 2010 at 11.31, in

If you cannot or do not wish to write your articles yourself, you can search different outsourcing companies to find a freelance writer to help you grow your business and your website. These freelancers will ghost write articles for you which means that you will own all copyrights to the material that is produced to do with what you want. Freelance writers have a talent for writing, however, they would rather make quick money off of writing for others, rather than taking the time to build a niche website that will need to be heavily marketed and promoted to begin earning revenue. They are usually not marketers, but rather people who have a gift for the written word. On the other hand, those who are looking to make money from articles are marketers. They are looking to build websites that will give them long term revenue, rather than one quick payment and that is it. This Internet pool or freelance writers will open up a good opportunity for you to receive the quality, original content that you are looking for to build your niche site. Word Count 191 PPPPP

Making Money with Articles: Free Article Content Diposting oleh Raka , Minggu, 28 Maret 2010 at 14.54, in

Some webmasters try to use articles from free content directories to get visitors to their site and make some money. This is mostly important for those who have just begun working as an affiliate for several companies and do not yet have any funding, yet need to built small niche websites to visitors to their site so that they can begin making revenue. Although this can sometimes be the only option for those who are running on a non-existent budget, it is not a way that will effectively build your website or revenue. There are a few potential reasons why this may be detrimental to your business building efforts. Problem #1 - Search Engines Search engines will only look down upon your site if it has the exact same duplicated content than other sites. The more sites that share your content, the less it will help you achieve good search engine rankings. Good search engine rankings are essential in getting visitors to your sit so that they have a chance to click on your affiliate links. If you cannot even get visitors, then will never make an revenue. Working on the search engine optimization of your site so that you will eventually be high enough in the results to get customers, should be priority one. Problem #2 - Getting visitors to click Although getting your site high on search engine result pages and acquiring site visitors is hard work, unfortunately this is only half of the battle. You must also be able to convince those visitors to click on your affiliate links. If your visitors see the same content they have seen on a multitude of other sites, they will be least likely to click on your links. This is because most people want to buy things that are recommended by people that they trust or whom they feel like are an expert on the subject. If your content is just duplicated from other sites, you will be exposed as someone who does not really know what they are talking about and therefore will not look heavily on your product recommendations. This will reduce the number of website visitors who will be willing to click through. Problem #3 - Author Bylines Most free content is only given to you if you agree to place the authors byline under the article (you can get into trouble if you try to use it without following the stipulated rules). This poses a problem because most author bylines include links. When a reader gets done reading a really intriguing article, there is a strong possibility that they will click on the authors byline link rather than your affiliate links. This is the entire reason why these authors offer free content to begin with, so that they may get their name and links out there to the public. Using this type of content may mean shooting yourself in the foot and losing possible profitable website visitors. Once you put these three problems together, you are looking at a serious decline in revenue simply because you used free website content from article directories. Although it may be the only option for some, if you have the funds to buy your own original content, then you should go this route. If you dont have the finds, however, you may be better off writing your own content and then hiring professional services once you have made a profit to work with. Word Count 580 PPPPP

Making Money with Articles: Finding a Writer Diposting oleh Raka , Sabtu, 27 Maret 2010 at 20.10, in

Finding the right freelance writer to produce your revenue generating articles can take a bit of time, however, if you find one that can easily take on another regular client and the two of you work well together, then that one difficult search will turn into a lot of profitable articles. When you start your search, you may want to begin with a very small group of articles, just in case you happen too hook up with a writer that you are less than thrilled with. It is important to keep in mind that there are several different types of writing and each writer might be highly skilled in one area, yet lack in another. For example, there is creative/fiction writing, biographical writing, news writing, general informational article writing, critical writing, copy-writing, poem/verse writing, technical writing, medical writing, essay/report writing, and sports writing. Although a writer may be highly skilled in one area, many freelance writers spread themselves out into others areas as well. So, it is critical that the writer you choose can produce the type of content that you need. To find a freelance writer, you can look at various freelancing websites that will allow you to post the specification of your project and your budget. From there, writers will make bids on your project and provide you with writing samples so that you can get an idea of their skill level. Make sure that you choose a writer who gives you a sample of the type of article that you are looking for. For example, if you are looking for a copy-writer, do not hire someone who only sent you a sports writing sample. He or she may be an outstanding sports writer, but copy-writing is about selling (a product, service, or yourself) to your website visitors. In conclusion, the more you are willing to pay per article, the more bids you will get from quality writers who know how to entertain and inform your website visitors so that they keep coming back for more. Writers know that you will eventually make a ton of money off of each article or content piece. So although $30 or more for a 500 word article may seem like a lot, when you think about the service they are providing you and the time and effort that they put into your piece, then you will realize that it really is not a lot for that one article. If you pay for quality, you will be amazed at how much you will eventually make off of your articles. Word Count 434 PPPPP

Making Money with Articles: Easy to Read Articles Diposting oleh Raka , Jumat, 26 Maret 2010 at 21.45, in

When writing articles, make sure to keep your readers in mind. Studies have shown that most Internet readers tend to scan a page to find the information they are looking for, rather than reading the entire page. This means having good titles, a lot of subtitles, and making use of bullet points to help your readers easily scan your page. Readers prefer a site like this that is easy to use and will be more willing to come back to your site time and time again. The more that your readers return, the more opportunities you will have to get them to click on each one of your affiliate links. Failing to write your articles in this manner, or to have them written this way, could turn your site visitors away before they even have a chance to see what you have to say or to learn what your affiliate links are all about. Keeping your articles organized as recommended will keep your visitors returning and enable your site to continue making money for you. Word Count 183 PPPPP

Making Money with Articles: Ease Into It Diposting oleh Raka , at 01.15, in

Making money with articles can be fairly easy for anyone. If you are a quick learner and great reader, then you can learn everything you need to know right from the Internet without any previous training needed. This is probably the best fact about niche website Internet marketing. If you are new to the business, your best bet is to ease into it. If you jump in before you know what you are doing, you have a good chance of losing money and having nothing to show for it. There are several things that you need to make sure you know how to do before you begin creating your first site. Create your own great articles or hire someone to do it for you Optimize your website for search engines Find reliable web hosting Pick a catchy URL Create a small site that is easy to navigate, have one created for you, or pay to use a What You See Is What You Get (WYSIWYG) website builder. Word Count 179 PPPPP

Making Money with Articles: Do It Yourself Web Design Diposting oleh Raka , Kamis, 25 Maret 2010 at 04.58, in

When you are trying to make money through promoting articles and affiliate links, you will need a good, simple, and easy to navigate website to put them on. There are two ways that you can accomplish this: you can try to do it yourself if you have any web design skills or you can hire someone. Doing it yourself, unless you were a pro to begin with, can be difficult for some. You will need to read many tutorials and it may take some time to get going. You could also risk having a site that looks very badly made and thrown together. It is also important (for visitors and search engines) that your site is easy to navigate, which may be a problem if you do not know what you are doing. Making a Do It Yourself website can be hard, but if you accomplish your goal, maybe you will learn so much that you can write a few articles on it to add to a new DIY niche site! Word Count 180 PPPPP

Making Money with Articles: Becoming an Affiliate Diposting oleh Raka , Rabu, 24 Maret 2010 at 08.27, in

If you can either write articles or have the promotion and marketing knowledge to publicize articles that others write, becoming an affiliate for several companies may be a great way for you to generate a good income right from your own home. You can do this by receiving part of the revenue off of sales that the company gets from people who click through from your website via the companys links that are placed on your pages. Since you will be promoting a product or service, you will need a killer sales pitch and website content to get your readers interested in the product, convince them that they cannot live without the product, and to keep them coming back to your website time and time again for more recommendations and your useful content, which will get them clicking on your links once again. Although many affiliate companies only give you money off of the first sale you make from each customer, you have the option of promoting a good range of companies so that you can still make a profit off of your returning customers. If you cannot write this kind of content of your own, there are many ways to pick up free or paid content to place on your affiliate website. There are many reasons why paying for such articles would be to your advantage. First, you will be able to tell the writer exactly what you want, what product you are trying to sell, and what direction they can go in to keep your readers interested and informed. On the other hand, when you search for free content, you are limited to what is already out there. Secondly, you will own the copyright to this content. That means that no one else can reuse it without your consent. If you opt for free content, you will be sharing that content with an unknown amount of other affiliate websites, plus the original author will be able to place their byline at the bottom of the article which could result in them stealing your traffic. There are many products that have nice affiliate commission rates for those who know how to pre-sale their product and deliver click through customers who are ready to buy. As long as you choose to promote a product or service that can be very useful to a wide variety of people, then pre-selling your chosen company may not be that hard at all. The key in this situation may likely be getting those customers to your website so that they have a chance to see your recommendations and click on your affiliate links. Word Count 446 PPPPP

Making Money with Articles: Banner Advertisements Diposting oleh Raka , Selasa, 23 Maret 2010 at 11.35, in

When you are trying to make money off of the articles on your website, it is important to effectively promote your site so that you will attract customers and they can see just what a good, quality site you have. There are several ways so market and promote your website, one of them being though banner advertisements. What Banner Ads Can Do For You Banner ads can help bring visitors from others sites to your own. Although monthly fees can be expensive to advertise on high traffic sites, in the end it may be cheaper and/or a faster way to start seeing significant revenue from your website efforts, rather than waiting for SEO techniques to bring your own site to the top of search engine results. Aside from paying to advertise on someone elses site, there are also free banner exchanges to choose from. We will look at the pros and cons of each banner advertising method below. Free Banner Exchanges Free banner exchanges are when you and other sites exchange each others banners. Their banner will go on your site and your banner will go one their site. Although this option is free, there are two main problems with it. First, if you want your banner on a significant number of sites, it will mean cluttering your own site up with these banners. This could even shot you in the foot if you run an affiliate website because, instead of clicking on your affiliate links, your visitors may be clicking on your banner exchange links. Secondly, you have to be really careful about the types of sites that you exchange banners with. Some sites like to gather a lot of banners so that they can be a directory or portal site and not have to have any real content. These banner farms or link farms will do nothing positive for your site and, in the meantime, you will be bringing them potential traffic. Paid Banner Ads As we saw above, paid banner ads cost money, but they will eventually pay off if you choose the right ones. You need to ensure that the site produces the amount of traffic that they say and that they have your ad placed in a way that invites visitors to click without being too pushy. You also want to choose a site that does not house too many other banners on the same page as yours or that there are no competitor links on the same page. All in all, banner ads can end up being profitable for you site if you go about it the right way. If you do decide to check out banner advertisement as a marketing avenue, be sure to keep the above tips in mind. Word Count 463 PPPPP

Making Money with Articles: Article Directories Diposting oleh Raka , Senin, 22 Maret 2010 at 21.53, in

Article directories are websites that house free articles. These articles are usually put there by whoever owns the copyright to them as a promotion method. Each article has the owners byline placed under it so that those who eventually read the article will know who wrote it (or at least who owns it) and will be able to get in contact with or visit their website for further information. Articles directories are a great place to put your articles so that they will make you money. By using this method, people who are interested in your product or service will see your article, view you as an expert in the subject, and will visit your website. Even if you cannot write or do not have any knowledge on the subject on which you are promoting (for example for you run an affiliate website), you can always hire a writer to do the work for you. Getting quality articles written will be expensive up front, but they will pay for themselves in no time, either through affiliate sales or selling your own services, and everything from then on is pure profit. Lets take a real life example. Imagine that you are an accountant working from home. You write an article on an accounting topic and place it on various article directories. Those who are looking for the subject you wrote about will read your article, see that you have the knowledge and skill that is needed to do a job for them, and visit your website or contact you via e-mail. Your article just gained you a new client who may use your services regularly, but will definitely give you a nice profit at least once. Furthermore, since you have posted it on a free article directory, others who have affiliate websites about accounting will inevitably use your article for their website. Since they must attach your byline to it, this will bring you even more exposure for every website that re-posts your article. This because you will be benefiting of off the traffic that they get to their website. There are numerous article directories out there for you to utilize. Your bet best is to put a copy of each of your articles on every one for maximum exposure. It will eventually help to bring more traffic and customers to your website, which will lead to new orders and more profit. Word Count 407 PPPPP

Slow and steady wins the race Diposting oleh Raka , at 20.54, in

Expectations are funny things. You have them and then find yourself surprised when they prove wrong. It's like assuming every classic diner will serve apple pie only to find some that don't. So, browsing through the news, I was surprised to come across a news item about the latest words of wisdom to fall from the lips of the American College of Physicians (ACP). For those of you who don't follow medical affairs, the ACP was founded in 1915 and has 120,000 internists in its organization. This makes it the largest specialty organization in the medical field. You expect this kind of body to be on top of things. With advances in medical technology stunning us every week, you look to the ACP for leadership, promoting excellence and professionalism among its members by issuing guidelines and advice based on the latest evidence. So here is their latest offering. It's finally official. The best treatment for erectile dysfunction is a PDE5 inhibitor pill. So, all you doctors living out there in the boondocks, you must stop prescribing and recommending those pump devices. You know those vacuum tubes that encourage a hard erection when you pump out the air. More effective but painful and less convenient were those injections. Patients always liked the words of encouragement that being injected in the penis was no worse than being slapped by an elastic band on the rebound. And no more of those suppositories. Yes, keeping regular is good for you and, with the right chemicals inside and a lot of belief, there were times when these worked. Then there were all those creams, gels and patches. You know the ones. They were stuffed full of good things like male hormones. And all those other pills offering enhancement... Well, you can put all those things away in a drawer, turn the key and forget about them. The ACP has spoken in its voice of thunder. Apart from psychotherapy which can be useful if the cause of the ED is mainly psychological, the best therapy is a PDE5 inhibitor. According to the evidence, about 88% of all men using viagra find their ED is cured on the first use. The well-advertized testosterone gels and creams were no better than the placebos. The ACP did talk wisely about dosages, indicating that slightly higher dosages yielded the best results. Their advice was also balanced. Yes, there were occasional side effects. Indeed, the committee members called for more research to determine which of the PDE5 inhibitors caused the most problems. But, as it stands, most men preferred a hard erection and were prepared to tolerate the odd runny or blocked-up nose. Why, you might ask, has the ACP decided to talk now. The answer is quite revealing. The US has an ageing population and more men are reaching an age when they may expect problems of ED. In 2025, the ACP estimates there will be more than 300 million men seeking help. This makes the ED market worth billions so they decided to endorse viagra now. Significantly, only one of the authors of this report disclosed funding from the ED manufacturers so that makes this report timely, balanced and reliable.

Guide to Acquiring UK Credit Cards Diposting oleh Raka , at 01.47, in

All credit cards come in many shapes, colors and sizes. They come in different types and brands with their own list of great deals to offer. UK credit cards are not different from these. When you apply for a UK credit card online, there are three easy steps you can follow. First, you can search through the list of UK credit cards you might find while surfing the net. Then, you can compare the rates and the fees of these UK credit cards side by side and prepare for the process of elimination. After you have weighed the pros and cons and the advantage and disadvantages of your top choices, you can now make the final decision, which among the UK credit cards offered would best suit your needs. Then, you may proceed with your UK credit card application by filling out the form online. Things you should know before getting UK credit cards Indeed, "plastic" has tremendously redefined the way people spend their money. In the US alone, more and more Americans are using credit cards because of the financial convenience it brings. When it comes to the UK, studies show that the Britons owe hundreds of millions in credit card debts. Being a flexible and accessible method of acquiring credit, various UK credit cards are being offered by major lenders to provide ultimate convenience to the consumers. Applying for UK credit card can be both easy and difficult at the same time. Well, it can be surprisingly easy compared to spending the money itself. Getting a UK credit card is quite as easy like splurging your bucks on shopping spree. But, the difficult part when you have a UK credit card or any other credit card for that matter, is when the monthly bill arrives. Before getting a UK credit card, make sure to visit some guide and glossary so you will have all the information you need. Searching for important tips before you choose your UK credit card will help you become educated in your purchasing decision. Being informed before filling out for a UK credit card application will also help you reduce the possibility of getting stuck up in a credit card debt trap. Reading some tips will also help you decide for yourself which among the list of UK credit cards would best suit your financing needs. You can choose the right UK credit card by comparing their features, interest rates, and benefits. Among the UK credit cards available, you should find the credit card with 0%, has the best rates and APR for balance transfers or purchases. Most importantly, never forget to look for the UK credit card with lowest rates by reading the descriptions carefully before you apply for a credit card online. Top UK Credit Cards Since more than half a million pounds are spent on UK credit cards every minute-amounting to tens of billions spent each year-it is very important to choose the best credit card for you. Here are some of the top UK credit cards available. With their own sets of great deals to offer, it's up to you, which among these UK credit cards is best for you. First among the list is Marbles. It offers up to 52 days' interest free credit, 0% balance transfers for the 1st 6 months, and 14.9 % APR. If you're the type of person who wants almost everything customized, this UK credit card lets you choose what your card will look like. It also lets you manage your account online. This UK credit card is designed in one of the safest and secure credit card systems around. If you are looking for a UK credit card that offers from 0% APR on balance transfers, from 15.9% APR on card purchases, no annual fees, and a free 24-hour help line, then you might want to try Virgin Card. This UK credit card can actually be your exclusive pass to an exclusive online membership online stuffed with great money-off deals. Another is the Egg Card that automatically gives you free purchase in transit protection for items. You can actually pay for all or part of your fare using this UK credit card plus the benefit of free personal travel accident insurance. Apart from that, the customers also get a 10% discount on home and travel insurance policies when they use this UK credit card. The GM platinum card, on the other hand, offers 14.9 % APR, 0% per annum on balance transfers and purchases for 5 months, and online account management. The best thing about this UK credit card is that the holder will receive a 100 free Rebate Points the first time you use it. This unique reward scheme makes this UK credit card more fun compared to others. After weighing all the pros and cons, advantages and disadvantages, you may now choose the best UK credit card for you.

Maximizing the potentials of a low APR credit card Diposting oleh Raka , Minggu, 21 Maret 2010 at 05.04, in

Indeed, if a credit card is used properly, it can be the most powerful financial tool. But not everybody can afford all the expensive rates of most credit card issuers offer. This is where the low APR credit card ushers into help people who plan to maintain a balance on their account and not to pay the full amount monthly. But, what does APR stands for in a low APR credit card? Basically, APR is the cost of credit as a yearly interest rate. APR stands for Annual Percentage Rate of charge can be used to compare different credit and loan offers. The APR on credit cards is usually calculated monthly based on the current amount in the card. The monthly interest is calculated as if the current card balance would remain the same over a year; the interest on the amount over a year (APR) is worked out and divided by 12 to give the monthly interest. It is a must that all lenders tell the client what their APR is before signing any agreement. Although the arrangements and terms may vary from lender to another, it is better for people to avail a low APR credit card because the lower the APR, the better the deal for them to spend more money in shopping around. Why choose a low APR credit card? Low APR credit card is a good choice for those people who are into a tighter financial budgeting. Being the most important attribute of a credit card, APR determines the significant balance over a longer period of time. In a low APR credit card, the amount of interest one must pay on his or her credit card balance depends on its APR because the lower the APR is, the better it is him or her because it means they have to pay less interest. APRs in a low APR credit card can either be fixed or variable. If you are planning to have a low APR credit card, there are so many cards that offer low APRs that can be found online. These low APR credit cards are chosen using a factoring scheme that organized these cards by computing a number of their attributes to place the best deals at the top. Some of the questions one have to ask when looking for a low APR credit card includes the chargesif they vary or a fixed rate; and if these charges are variable because it might affect the repayments and if these rate are fixed or will it stay the same. Searching for a low APR credit card may also include inquiries on the possibility of any charges that are not included in the APR like optional payment protection insurance or an annual charge. If there are any, make sure that you understand what they are and when do you have to pay them. Lastly, looking for a low APR credit card should include questions on the conditions of the credit and how would these conditions suit you. If you are now seeking for a low Apr credit card you may begin looking for a scheme that could help you save hundreds in interest with a low interest credit card and low cost processing. Most low APR credit card offers 0% APR for the first months on purchases, cash advances, and balance transfers. Through these, low APR credit card can warn rebates towards any item purchased. They also offer $0 liability on unauthorized purchases, and no annual fees. Some low Apr Credit Card that have very good intro rate for purchases is recommended for those who would want to avail one. They also offer good deals if one carry high balances on other cards and need to transfer the balance. Indeed, having a credit card can be useful and convenient, and can even help build a strong credit history that will help you with future activities like home-buying, paying for higher education, and even finding a job. But, before you apply for a card, consider the advantages and disadvantages especially with the current financial situation you are in.

How fast is your credit card processing? Diposting oleh Raka , Sabtu, 20 Maret 2010 at 08.14, in

Are you ready to swipe your credit card for the very first time? Really? Or are you already on your way to your second credit card? By the way, do you know it takes ages for you to get your credit card processed? Well, for starters lets look into the credit card processing stage of your application and why does it take you ages to have that other card. The first thing that your bank looks into in the stage of credit card processing is the account that you have in other credit card companies. Normally this part of the credit card processing stagethis is where people in banks get down and dirties with their records and other companies records. This would also include how long was the credit card processing stage when you applied for your other cards. This usually means that your bank is trying to find out how much your worth really is. This is the part where they categorize you in subgroups. This also usually means that its either youre a good payer or they would have a have time chasing after you state to state. If this happens in the credit card processing stage, the bank would usually require you to give them an alternate address where they send you the bill, by the way this just means that they want to be sure that you are going to pay! And if you get past this stage of the credit card processing with minor injuries to your ego, the next step will be to find out if you have any unpaid balances or other credit card processing with other banks. This just means that they are trying to find out how cards are able to for and youll be able to pay for theirs once youve passed the credit card processing stage. They usually do this to counter check if you do have the capacity of paying for a number of credit cards so they wont get stuck a person that cant. And when you get passed this stage, still with minimal damage to your ego, the next step in the credit card processing stage is to verify your identity as a US citizen. Because of the US Patriotic Act, everyone trying to get anything in the US is required to have their identities verified because they dont want terrorist getting anything inside US soil especially getting past credit card processing. And the last part of getting past the credit card processing is to have all the things they need to check in order and to meet the standards of their company, in a nutshell, to get a credit card and to get through credit card processing, you must have other credit cards that are active. Two, you must be a good payer and three you must not have a last name that sounds like you are from Afghanistanthat is. Anyway, you might be having problems when it comes to your credit card processing, most it the time, its worth the wait. Credit cards is great financial tool is used correctly and properly. It will enable the credit card holder to manage his or her finances. Having a credit card also ensure not only your money and your life as well because it is very convenient compared to carrying cash or checks every time you have to buy or pay for something.

How to deal with credit card offer Diposting oleh Raka , Jumat, 19 Maret 2010 at 11.54, in

If youre a person who carries a balance, credit card offer might be the least thing on your mind right now. Credit card offer, no matter how enticing and convenient it might seem, may be the most expensive loans made by banks, department stores, and gasoline companies for you. Sometimes, no matter how hard you try not to give in to the temptation the credit card offers, material cravings can sometimes be more powerful than the will of the mind. No matter how hard you try to resist the convenience and leisure the credit cards offer, you cannot help but to indulge. And the moment the credit card issuer offers you a card you can hardly wait for t to be approved and to use it to pay for items and services you fancy. To avoid going beyond your credit limit, by now, you should know when to resist and indulge into the convenience the credit cards offer. Knowing how much the service provider or the store merchant collects from what you owe to your card issuer, you shouldnt allow yourself spend what you dont think you cannot pay. Or, by now, you should learn how to pay off what you owe each month, as long as you pay a minimum amount each time because this is what you get from what the credit card offers: interest on the balance you owe at the end of each period if do not pay the full balance every time your bill arrives. If you are having problems saying no to credit card offers, the most effective way to prevent yourself in engaging into another compromise is a little bit of truth serumhow much credit card issuers get from the transaction you engage with them. Although credit card offers the almost priceless campaign ultimate convenience, think about this: the people who offer credit cards generate high profits from the people they have issued the card. Basically, reciprocal to what the credit card offers, is the high rate of interest. The convenience credit card offers sometimes no longer mounts up to the interest on credit cards alone but also from the bulk of accounts the bank profits for every credit card issued. There are also those companies that charge an annual fee as part the credit card offer. But most of these companies sometimes charge late fees, over-the-limit fees, and other miscellaneous charges that the credit card holder often mistook as part of the service charge. Now, knowing how much you really contribute to the companies profit every time you pay what the merchant charges or every time you pay the fees to service providerswould you still be blinded with what the credit card offers? What you can do Wanting to breakaway from the habitual indulgence to credit card offer? Here are some tips that can help you veer away from the constant misleading promises and overwhelming credit card offer. Before you give in to what a certain credit card offers, think first whats the purpose of filling out an application for a credit card and why do you need it and how sure are you that you can comply with the conditions of having another card. If ever your needs really demand for a credit card, then you must look for the most suitable type that will work best for your specific situation. Sometimes it is not enough to shop around for credit cards based of what they offer. More often than not, it pays to understand the terms of what the credit card offers before you getting the card. You must also take time to review the disclosures of terms and fees might appear on credit card offers you receive. If you are really a person who cannot say no to numerous credit card offers, you must learn to pay bills punctually so the interest and charges are as low as possible. It also pays to read monthly statements while keeping the copies of sales receipts so you would compare the charges. Indeed, having a credit card has become ingrained in the consumers psyche. Thats why it is imperative that people understand clearly the responsibilities of being a credit card holder and not juts base their assumptions on what the credit card offers.

What are the options for betting? Diposting oleh Raka , Rabu, 17 Maret 2010 at 23.45, in Label: Games, Recreation, Sports

Although there are a number of slot games repeated on some of the sites with shared operations, the reality is an expanding universe of different games. Like the Big Bang which supposedly began our universe, the inventiveness of the different software producers knows no limits. This fuels the competition for players between the sites with the endless rollout of new games. As a result, it would take you years to try them all. Nevertheless, the actual betting choices to be made come down to a few simple steps. The three main variables are the number of paylines to play on each spin, the number of coins to bet on each line, and the value of the coin(s) to bet. The majority of the games allow a free choice on the three variables. But some games restrict the choice on the second or third options (none of the major games eliminate both). So, some fix the value of the coin to be bet or only allow one coin to be bet per payline. This allows us to offer this summary. The amount you decide to bet per payline is the value of the coin multiplied by the number of coins. The total bet on each spin of the reels is the bet per payline multiplied by the number of paylines.

Now we come to an odd truth. The majority of games allow you to choose the number of paylines to play. Where the number of available paylines is great, there can be a real decision to be made. If you are betting one coin of value per payline, one hundred paylines per spin can work out quite expensive. Yet answer this question. What is the point of playing with paylines disabled? With the exception of games permitting scatter wins, you only win on enabled paylines. While this is merely a source of frustration in a conventional game when you see winning combinations on disabled lines, it can be critical on progressive machines. Often the jackpot only pays out when the highest payline has the winning combination. If the total bet looks outside your budget, reduce the value of the coins. If the bet is still too high with the minimum coin size selected, this suggests you should not be playing this game.

When you first approach a game, look carefully at the choices you can make. The critical differences lie in the coin sizes and the gaps between each coin. The best games have a big range of coin sizes with even gaps between them at the lower end and gently scaled gaps at the high end. This allows you the maximum flexibility to fit the line and total bet per spin to your budget. In calculating your budget, factor in the length of time you prefer to play. Slots is a game meant to be fun. If you burn your budget in ten minutes, this is not fun. Always remember to set a loss limit before you start playing. Decide the point at which you will stop. Slots is only fun so long as you are not digging yourself out of debt for the next six months. If you win, as everyone does from time to time, you should also stop. These winnings can buy you a drink and a meal. They can pay for your next session of play.

Why play for free? Diposting oleh Raka , at 21.22, in Label: Games, Recreation, Sports

Walk through the doors into any real world casino and you hit the slot machines. There's a slight difference of opinion between the casino operators. Some believe the machines are the most popular form of gambling and make everyone walk into the floor area where the machines are sited before they get to the table games. Others have a floor plan called the premium strategy that pitches their operations at the non-slot players who spend more per head on the table games. The machines are still featured as you walk into the casino, but the view of the tables is more obvious. Interestingly, there seems to be very little difference in the spend-per-machine in both layouts. The people who favor slot machines will play them no matter where they are sited in the casino. It's also a fact that, except for the contributions made by individual whales, casinos make more money from slot machines than from the table games, the balance shifting depending on whether the premium strategy is in operation. Online, there are sites that are exclusively based on slot machines. Other sites operate the full spread of casino games. This leaves the operators to compete on the bonuses (welcome and otherwise), comps and the quality of the service. In real world casinos, the operators can comp you on the machines but it's technically difficult to enable free play. Online, all that changes.

Every site allows all users the opportunity to play some of their games for free. Why should anyone want to play for free and give up the chance of winning some real money? The answers are both simple and complicated. The spinning reels are essentially the same in both real world and online casinos with the games easy to understand and so quick to learn. Once the reels are set in motion, all you can do is wait for them to stop moving. This means no particular skill is required to play. As a bald description, this misses out two key factors. The spinning reels are quite hypnotic. You almost feel you can reach out and stop each reel in just the right position to score a big win. Secondly, it's fun to play. This fun element is what sells free play. Yes, you lack the extra excitement by giving up the chance of winning. But it really is still fun to play. More importantly, with more and more new games coming online every month, it's very useful to be able to study them without risking your money. Although the basic concepts are the same, the individual variations still have to be learned. In the real world, you can stand and watch others play, learning from their mistakes. Online, you are denied this opportunity. That makes free play a fair offer from the casino operators.

There is one final reason and this may be a little complicated depending on your view of luck. Many people who play slots believe in flows of good and bad luck. If your luck is out, it's good to be able to keep on playing for free. No-one wants to keep feeding money into a machine when you know you are not going to win. Slots and Lady Luck do go together so mix and match free and paying play as you come into and fall out of her favor.

Credit card application for starters Diposting oleh Raka , at 19.39, in

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. Thats 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 its 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 its hard earned greenbacks that we are throwing away when we buy online porno and junk like that only profit a few people. So whenever youre 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.

What makes games popular? Diposting oleh Raka , at 19.28, in Label: Games, Recreation, Sports

Given the history of some games starting in China around 2000 B.C., the question naturally arises as to what makes any game popular. The first games to achieve success were based on dice. It probably all started around the fire in the cave when, having stuffed themselves with dinosaur rib at the bar-b-q, they moved on to a little action with a few carved bones. But, as time progressed and money was developed, the idea of money changing hands based on a throw of the dice caught on. In this, you see all the key elements making any game popular. The concept of gambling is seductive. You place a small wager on the outcome of an event outside your ability to control. If you win, there's a big profit and this is a compelling reason to carry on playing because you believe you will win again. The second feature is the sociable nature of the playing environment. There's a crowd watching. Sometimes it's only other players but, more often, gambling is a spectator sport. This creates a community and it supports and encourages the players. Rich backers appear and bankroll the best players for a share of the expected profits. Add in good customer service from whoever provides the playing environment, and the honey pot nature of the exercise is complete. As to the game itself, it must be fun to play. It must be easy to understand the rules. Everyone must be able to see the skill or luck of the winners. And, the organizers must make realistic attempts to prevent or control cheating.

So where does this leave us? In the modern casino, both online and real world, the most popular games are probably blackjack and poker on the card tables, craps and roulette on the other tables. All four are simple to understand. The cards must add up to 21 or a limited number of card combinations makes you the winner. Or you bet on the throw of dice or the spin of wheel. It takes only a few minutes to explain. You watch for a while and then you feel confident enough to play. It's almost immediately exciting. You handle the dice and throw. You finger the chips and play the cards. All with money riding on the outcome. If your luck is in, you end up a winner and most are hooked. The problem with more complicated games is people do not want to put in the effort to learn. They must see it, see others win and feel confident they can start winning immediately. Any game where it looks easy to win big money is popular.

Now when you transfer the experience on to the small screen of a computer and strip away everything about the experience of being in a casino, the true popularity of casino games is revealed. Slots are slots. You click on "play", the animated reels spin, and you win or lose. It has a hypnotic quality. Click, spin, win. It's the same with blackjack, craps and roulette where you are betting on the results produced by the random number generator. Poker remains interactive where you bet on the cards and your skill in playing them. In all, it's the belief you will win big that makes casino games popular.

Money transfers and online casinos Diposting oleh Raka , at 17.27, in Label: game, sport

More or less any place you go on the internet, you can see goods or services you want and pay for them. Most sites accept credit cards. Those that do not, deal with the other players in the banking world to make sure the funds get where they are supposed to go. This works whether you are buying clothes for your newborn baby or hard core pornography. E-commerce is the new life blood of trade. Yet, when it comes to online gambling, something dramatic happened in the US. If you are resident anywhere else in the world, all the standard methods for transferring money work with online casinos. You can open an account using a credit card and your winnings can be transferred to any bank account you nominate. But, if you are resident in the US, the world was turned on its head by the Unlawful Internet Gambling Enforcement Act of 2006 (UIGEA). The history of this is revealing.

A bill dealing with security in our ports was working its way through the legislative process and, at the last moment, the internet restrictions were added. They had nothing to do with the security of ports. It was a device to slip the law through without real debate. As a result, it suddenly became illegal for any financial institution to transfer funds to an internet gambling operation except for horse racing, online lotteries and fantasy sports. So states protected their revenue streams with lotteries and the racing industry gained an edge over all their competitors. This law is probably unconstitutional but, so far, the courts have been reluctant to give clear rulings. This leave US players with real problems. No matter where the online casino is based, it's still difficult to open an account and recover winnings. So how do you get round the law?

The first option is to use eChecks. This produces an immediate electronic funds transfer between your bank account and the payee casino. They work in exactly the same way as paper checks. But a word of caution - one company providing this service was recently shut down by the Attorney General of New York. Although other companies continue to offer eChecks, this method is risky with winnings being seized in the New York court action. The alternatives are the following. A limited number of casinos including Rushmore accept American Express, bank drafts, wire transfers and checks for opening an account and making deposits. But these methods cannot be used for withdrawals. This brings us down to Central Coin, Citadel, Click2Pay, CLICKANDBUY, NETeller and others. Online casinos pick and choose which methods they accept. Alternatively, you have to set up a third party account outside the US and transfer the funds into and out of that account instead of directly to the casino.

It should not be this difficult to play your favorite casino games and there are various moves in the pipeline to encourage the lawmakers to repeal this oppressive law. While there's no constitutional right to gamble as such, this law chills the banks and achieves prohibition by the backdoor. While we wait for either a definitive court ruling or Washington to act, find the online casino with the payment methods you can access and set to enjoying your favorite online casino games.

Credit card anyone? Diposting oleh Raka , Selasa, 16 Maret 2010 at 22.34, in

The emergence of electronic age made almost everything possible to people. Determining and curing terminal diseases made convenient, reaching uncharted territories became a possibility, and most of all; everyday life of people is made easy by the technology. We now have more convenient stores, easier means of transportation and a variety of gadgets that makes work and pleasure almost effortless. When it comes to finances, technologythrough efficient banking system and serviceshas given people better alternatives and options how to manage their finances. Among the so many financial management schemes that emerged, one alternative stands out among the restthe credit card. Credit card, especially to working people and those who live very busy lives, has become an ultimate financial savior. More than just being a status symbol or an add-on to expensive purses and wallets, credit card has revolutionized the way people spend their money. But, more than the glamour and the convenience credit card brings, there is much more to this card than most people could ever imagine. Credit Card 101 Before indulging much into the never-ending list of the advantages and disadvantages of having a credit card, it is very important for people to first have a brief realization of what credit card really is in order for them to maximize its potentials. In laymans terms, credit card is a card that allows a person to make purchases up to the limit set by the card issuer. One must then pay off the balance in installments with interest payments. Usually, credit card payment per month ranges from the minimum amount set by the bank to entire outstanding balance. And since it is a form of business, the longer the credit card holder wait to pay off his or her entire amount, the more interest pile up. Since having a credit card is a responsibility, only those people who are of legal age and have the capability to pay off the amount they are going to spend through their credit card, is allowed to have one. Actually, most of the adults in the U.S. use credit card because this is very convenient compared to carrying cash or checks every time they have to purchase something. It is also equally important to be familiar with the different types of credit cards before you begin to build up credit card balances and to avoid having a nightmare of debt. Since credit cards are indispensable to most consumers, it is a must that they understand the types of card that include charge cards, bankcards, retail cards, gold cards and secured cards. All of these types come in one of two interest rate optionsthe fixed and variable. Actually, it doesnt really matter if you decide to have a fixed-rate credit card because the interest rate remains the same. Compared to variable rate cards where rate may be subject to change depends upon the credit card issuers discretion, fixed-rate carry higher interest rates. Basically, credit card grantors issue three types of accounts with basic account agreements like the revolving agreement a.k.a. Typical Credit Card Account which allows the payer to pay in full monthly or prefer to have partial payments based on outstanding balance. While the Charge Agreement requires the payer to pay the full balance monthly so they wont have to pay the interest charges, the Installment Agreement, on the other hand, asks the payer to sign a contract to repay a fixed amount of credit in equal payments in definite period of time. Another category of credit card accounts includes the individual and joint accounts where the former asks the individual alone to repay the debt while the latter requires the partners responsible to pay. The common types of credit cards available through banks and other financial institutions also include Standard Credit Cards like Balance Transfer Credit Cards and Low Interest Credit Cards; Credit Cards with Rewards Programs like Airline Miles Credit Cards, Cash Back Credit Cards and Rewards Credit Cards; Credit Cards for Bad Credit like Secured Credit Cards and Prepaid Debit Cards; and Specialty Credit Cards like Business Credit Cards and Student Credit Cards. Now that you have an idea how many types of credit card there is, it is now time to review your goals before applying for one. Some of the things you should consider is how will you spend with the credit card monthly, if you plan to carry a balance at the end of the month, how much are you willing to pay in annual fees, if you have a strong credit history and is does your credit in need of rehabilitation. Once you have an idea of what you are looking for choose the right credit card for you by researching the information you need that will fit your basic needs. You may also review the credit cards youve research and compare them. Shopping for a credit card? Regardless of the type of credit card you choose, be sure to discuss your specific financial needs with your financial advisor or accountant before applying for any credit card. It is a must that you understand the benefits of having a credit card like safety, valuable consumer protections under the law, and the accessibility and availability of services. The most popular credit cards include Chase Manhattan Bank, Citibank, Bank of America, BankOne, American Express, Discover Card, First Premier Bank, Advanta, HSBC Bank, and MasterCard Credit Cards. Although having a credit card is synonymous to invincibility, this may also trigger a persons thirst for material things and may lead into the temptation of buying something they dont really need. A credit card bearer should always have in min that having a credit card is a big responsibility. If they dont use it carefully, these may owe more than they can repay. It can also damage their credit report, and create credit problems that are quite difficult to repair.

Chasing a Chase Credit Card? Diposting oleh Raka , at 02.07, in

Credit cards indeed have become one of most indispensable tools in managing finances nowadays. Aside from being an effective way of obtaining credit, credit cards also make it easier for people to spend their money the right way. That is why making the crucial decision of choosing the right credit card should be paid more attention. One of the most popular brand names of credit cards in the market today is the Chase credit card. Like any other credit cards, Chase credit card is a brand name of credit card like MasterCard or Visa that is accepted worlwide. Aside from Chase credit card, the company also offers travel cards, Auto & Gas cards and student cards. Indeed, there are a number of ways in which Chase credit card can be advantageous and beneficial. Probably, the best feature Chase credit card has is the convenience it offers to busy and working people. A Chase credit card is also perfect for customers who are comfortable online. Aside from making it easy for the customer to maintain their account online, Chase credit card lets you check your balance and pay your bills through a secured web site. Having a chase credit card is quite convenient for the customer because it lets the credit card holder purchase goods easily and quickly whether they buy it directly, over the phone, or even on-line. Since Chase Credit cards are international cards, it is beneficial for people who travel a lot because they can use it all over the world wherever they see the Chase credit card logo. More and more people are choosing a Chase credit card because it offers a lot of credit card processing alternatives. Because Chase credit cards offers a wide array of processing options, many people appreciate it compared to other brands. One of the most enticing offer Chase credit cards has is that it is available in numerous places. Chade credit cards also offer many deals and promotions like lower introductory APRs and waived membership fees that allow the holder to save more money. There are alos many types of Chase credit card that offer reward programs for every purchase the holder makes. For instance, one type of Chase credit card allows you to earn travel miles for every dollar spent using your your Chase credit card. Another type of Chase credit card also allows you to earn reward points for every dollar you spend. These points will then enable you to purchase from a Chase credit card catalogue and they will have your chosen item shipped to right next to your doorstep! These reward options you get from using a Chase credit card are great because it will give your tangible gifts and rewards, free trips and wonderful merchandise without spending a single cent. A Chase credit card is handpicked by many people because its company makes sure that they give good customer service to its customers. Aside from getting all the great deals the card offers, having a Chase credit card can also give the holder instant access to customer support around 24/7. This will enable the customer to contact someone if his or her Chase credit card is stolen. Apart from this round-the-clock feature, Chase credit card also protects its customers from identity of thieves. When you apply for Chase credit card, some of the benefits include 0% intro APR on all purchases and balance transfers you make for up to six months. Chase credit card does not charge any annual fee so it will fit your budget and, a Chase credit card have interest-free grace period as long as you pay your bill in full each month. Having a Chase credit card also allows the holder to earn cash rewards on purchases and cash rewards. Apart from these, chase credit card has no balance transfer fee for balances transferred during the introductory period and you have the privilege to apply online over a secure server. Although it offers a lot of advantages, bear in mind that a chase credit card it is still a credit card. And like any other credit cards, there are also a number of ways in which chase credit card usage can be less positive.

The worth of a business credit card Diposting oleh Raka , Senin, 15 Maret 2010 at 05.52, in

Among the so many varieties of credit cards, one of the most underestimated is the value of a business credit card. Many people do not choose to apply for a business credit card because aside from having a definite target market the business owners or business executivesit seems to be complicated to use. Although a business credit card has more requirements and has higher interests compared to other types of credit cards there is, contrary to the common conception, t can be very helpful if used properly. What is a business credit card? Basically, business credit card is for the business peoples consumption. Compared to the regular credit card, a business credit card has a high limit plus low interest rates. Depending on the manner of choosing, a business credit card may also bring a lot of automatic benefits. Since it is targeted towards businessmen or those people who are heading towards building a business, a business credit card can definitely benefit these small businesses. A business credit card helps the budding business by extending payments while improving the cash flow. Aside from bearing the image of a dependable credit card, business credit card boasts of having detailed reports and giving quality customer service as its major trademarks. Aside from having limits and low interest rates, a business credit card provides many alternatives and numerous credit options for small businesses. A business credit card also caters to large corporations that are crafted to aid those people who are starting with their own business to grow while closely monitoring the baseline of credit. Simplifying business credit cards It really pays to go to the bank when one applies for a credit card to get the chance to answer all immediate inquiries. But since business credit card is for business people who are always on the go, many business credit card issuers offers online applications for business credit cards. When one applies for a business credit card, there is no need to visit the bank. There is also no need to wait in the queue just to talk to a bank representative. When you apply business credit card online, all you have to do is to select the business credit card option that would perfectly suit your small business or corporate credit requirements right from the comforts of your home or office. Aside from offering safe, secured, and simple processes that are designed help you take care of your starting business, most business credit cards online offer accessible features for the convenience of the business credit card holder like the online payment and reporting. Customized company logos and access to instant cash are also available on line. Other business credit card online offers detailed reporting features for easy monitoring and access. Most business credit card applications offer free fee for the first year and no pre-set spending limit or finance charges. Other business credit card offers viable membership rewards program that enables the member to earn points towards travel, merchandise and other rewards for his or her business. Some of these business credit cards offer small businesses a line of credit up to $100,000 at a competitive APR as low as prime + 1.99% for both cash and check purchases; 100% of the line is available as cash and no collateral is required. The business credit card holder or customer might receive fee-free checks as well as a card to access the account. Everyday savings or exclusive savings, express approvals, no annual fee, up to 5 percent rebates on all qualified purchases, and 0% introductory annual percentage rate (APR) on purchases during first half of the year of card membership are some of the great offers of most business credit cards. Although majority of the business credit card issuers offer great value deals, it is very important to research first what does your business needs. Whether your business credit card is meant for investing in inventory or just for payroll, it is significant to look for a flexible business credit card that can handle almost anything. Whether you opt to go directly to the bank or apply for a business credit card online, a number of premier business credit card suppliers are there to help you find the right credit card product as easy and convenient as possible.

What You Need To Know to Apply for a Credit Diposting oleh Raka , Minggu, 14 Maret 2010 at 16.34, in

What You Need To Know to Apply for a Credit Card One of the disadvantages of modern times is that people tend to acquire so many things they dont really need. Numerous gadgets and services occurred targeting a vast market of consumers and this emergence of various inventions somehow blinded people. Since financesespecially moneyis one of the major concerns of many people, a wide array of financial management services and financial options emerged. One of the most visible among the unending line of financial management services there are is the credit card. Although many people testify for the financial convenience you get when you apply for a credit card, it doesnt mean that every financing convenience applies for you or for everybody in that matter. When people apply for a credit card, there is always a reason. It can be for managing their finances, needing extra money or in preparation to a big expenditure. But, no matter what the reason is, people apply for a credit card because of the ultimate convenience it brings. By now, you may have had your share of pre-approved credit card offers in your virtual and physical mail. Since people are quite vulnerable when they apply for a credit card, some credit card issuers lure these people by giving low introductory APR, no annual fee offers among numerous perks. The tendency of this so many alternatives and value deals is to sway the person who wants to apply for a credit card. There are undeniably endless lists of pros and cons when you apply for a credit card, but if you really have decided to apply for a credit card, these are some of the helpful tips that can guide you on your credit card shopping journey. Actually, there are three easy steps you should follow if you have decided to apply for a credit card. First, surf the net and do some research on credit cards. By doing this, you can familiarize yourself with different credit card terms and types. Second, you can compare numerous credit cards that would best serve your needs and lastly, you may now apply for the credit card of your choice by filling out a credit card application by visiting a bank representative or through online. In order to find the right credit card fast and easy, first, before you apply for a credit card, make sure you mastered the credit card terms. When you apply for a credit card you must know what a credit card really is. Being a form of borrowing that involves charges, credit cards usually have underlying credit terms and conditions affect your overall cost. So, its best to compare terms and fees before you apply for a credit card and agree to open an account. Some of the important terms to be understood well include the annual percentage rate or the APR. When you apply for a credit card, you must know how the APR affects your credit account. Being a measure of the cost of credit expressed as a yearly rate, the APR should be disclosed before you apply for a credit card so that you would not be obligated on the account and on your account statements later on. Aside from APR, the periodic rate must be disclosed to the card holder before they completely apply for a credit card so they would have an idea of their outstanding balance and finance charge for each billing period. Other important terms to know before you apply for a credit card are free period or grace period, annual fees, transaction fees and other charges, other costs and feature, and balance computation method for the finance charge like average daily balance, adjusted balance, previous balance, and two-cycle balances. If youre not that type of person who is patient enough to research on all these terms, make sure that before you apply for a credit card, the issuer will give an explanation how the balance is computed and it must appear on your monthly billing statements.