Credit Cards Dos and Don'ts

By Bob Jones

Ask yourself: does the credit card work for you or do you work for your credit card? Most people's answer to that question will depend on how they treat their "plastic friend" as credit cards are often known. As many people with burned fingers will tell you, they didn't realize that things had gotten so bad until very late, because most credit card offers try so much to sound like they are actually running a charity. Well, they aren't.

However, this is not an anti credit card campaign. They have their benefits - in the USA, for example, if you want to rent a vehicle, you must have a (major) credit card. But, consider this situation:

You get an offer in the post that sounds good, maybe it's a new television or refrigerator. But it costs $2,000. You have a credit card with a $5,000 limit, so you go out and purchase the product right away. Often, this is how your repayment schedule will work out. Most credit cards charge a minimum percentage of the remaining balance (typically 2 percent) per month. Assuming the interest rate is 18 percent and you choose to repay the minimum amount of $40, $30 of that will go towards interest and only $10 will come off the $2,000 you borrowed!

Does it sound worrying? Well, it doesn't need to be. The moral of the tale is to use the credit card very, very carefully.

Credit Cards Dos and Don'ts

There is a lot of truth in the saying that credit cards are not a substitute for not having money. Every time you use a credit card this should be the theme song playing in your mind. Furthermore, you would do good to remember the following too:

Dos.

1] Always plan for the purchases that you have to have and those that you just want. You need the essentials, and you want everything else. The ability to make a distinction might help you plan wisely.

2] If you are caught up in financial difficulties, it's always a good idea to talk to the credit card supplier who might adjust your payments. If you just default, that only helps to build up a bad credit history and you might find yourself being denied credit in the future.

3] Unless you are experiencing an emergency, remaining within your credit limits will help you a lot. If you must spend over the limit, ensure you are within manageable levels, say within 30 percent.

4] If your letterbox is full to the brim with details on credit cards that have better deals than you are currently receiving, you may always approach your issuer for a better deal. They want to keep your business, so they will hear you out.

Don'ts

1] Do not use your credit card to purchase household goods. It is too expensive in the long run.

2] Do not only pay the minimum amount necessary. You will end up paying exorbitant amounts of interest. The more quickly you are able to pay off the debt the better.

3] Never use the credit card to purchase items you can't afford without the credit card. - 21392

About the Author:

If you are thinking onswapping or applying for a Credit Card, have a look at the free advice on our web site on using Credit Cards wisely.

Commercial Car Insurance Companies

By Jerry Dodd

As an American citizen, you must be already aware of the fact majority of the states have made it obligatory that the driver of a car whether private or commercial, must have auto insurance policy before using the vehicle on the road.

Procuring an auto insurance policy may not be all that easy, considering the current economic situation. Not many people are willing to spend additional money. Commercial car insurance policies are normally meant for such cars and vehicles which are used for business purposes.

Buying a car insurance policy is for the welfare of the citizens as well as commercial enterprises that employ the vehicles for official work. No one can exactly gauge, as to what disaster can take place on the road and for this reason alone, car insurance polices are extremely handy.

In case you are a businessman who regularly uses trucks or cars for your business work, then you must give a thought to buying auto insurance policies for your automobiles, for your own good. In case of an accident, you will not have to incur heavy monetary loss.

If you are interested in procuring car insurance policy, you will be astonished to discover that there is vast number of companies available to attend to you. If you are keen on economical car insurance, then you may opt for affordable car insurance company, which will readily attend to your demands.

Make an attempt to gather enough data from friends and other familiar people regarding varieties of car insurance companies that are likely to provide reasonable rates along with noticeable coverage. Also, you are advised to go online and explore the possibilities of locating viable car insurance companies.

Before conducting a survey on various car insurance companies, you must first decide as to what type of coverage you would require. Simply going in for a cheap car insurance policy may not be a prudent idea and it may not help you during times of need.

When you have made up your mind about the coverage you will need on a regular basis, locate a company that will not only offer low cost, but also extend commendable coverage. Once you have done that, you are the one who will have the last laugh. - 21392

About the Author:

Before you get an auto insurance quote online, make sure you check out Jerry Dodd's excellent site on auto insurance and car insurance.

A Quick and Fun Solution to Pollution that Saves You Money

By Bjorn Freshwater

Whether it be an aversion to rising gas prices or the motivation to do ones part in lowering carbon emissions, for a more eco-positive lifestyle try a maxiscoot. This new conscious effort to increase our energy efficiency and reduce our carbon footprints explain the new found interests in MaxiScoots as a preferred method of day to day transportation.

Aside from being a stylishly hip way to commute, scooters are low on gas and emissions as well as being a freakin balls out blast to ride! Scooters are usually operated by a small 50 to 200cc engine. The limited number of mechanical parts on these smaller vehicles has made them very dependable, functional and ideal for low mileage commutes in downtown, suburban and recreational settings.

Enter a relative newcomer to the scooter market, the maxiscoot. In the world of scooters, the maxiscoot is generally defined as a scooter with an engine rating of 250cc or above. Some of these scooters allow you to scoot along at speeds close to 100 mph (about 160 kmph), more than adequate for freeway traffic conditions and for making longer trips more enjoyable.

This allows the scooter to travel at speeds close to 100 mph, allowing for travel on interstates and highways as well as making them more fun and fuel efficient. The average fuel consumption for MaxiScoots is between 50-69 mpg, depending on the manufacturer.

Beyond the personal satisfaction of experiencing significant savings on gasoline, adopting a motor scooter as an alternative form of transportation offers much in the way of societal benefits. Eco-friendly scooters reduce fossil fuels consumption, pollution in the form of carbon dioxide emissions and help to relieve traffic congestion.

By changing your mode of transportation the money you used to put into the gas tank can now into the bank! Or you could splurge and treat yourself to something nice since you've been nice to the planet, right?

In the end saving money and creating a better place to live is what it's all really about. The maxiscoot helps to achieve both of these goals and puts a smile on your face in the process.

It reasons to say that with the consumers interested in reducing their cash spent on fuel along with a global need to reduce carbon emissions, consumers will be more than satisfied with the growing abundance of MaxiScoots to satisfy their need to ride! - 21392

About the Author:

Bjorn Freshwater is an Electric Scooter enthusiast and is currently Leader of the World's Most Notorious Motor Scooter Gang.

The Issues Associated To Teenaged Driving

By Nathan Lewit

Teenage driving is a serious issue of parents worldwide due to regular occurrences of teen crashes and mishaps on the road. The important thing is to understand the reasons for such occurrences and reduce the risk taking habit of the teen drivers. The other areas to improve are to reduce the exposure to any sort of risk and teach the required driving skills to these teenagers.

The solution doesn't lie in changing the driving age from 16 to 18 years. This will only have an influence on the Automobile Industry and service sectors linked to it leading to job losses. There will be a large decrease in revenue for all the companies in the Automobile industry or service sectors linked to it. It will only create a problem for manufacturers, gas companies, insurance agents, and driving instructors.

The lack of maturity and skills in the teenager along with the risk taking behavior has been the main reason for such accidents. The teens also show lack of discipline while following safety rules. Thus it becomes necessary to train teenagers about all the road and safety rules and make them used to adhering to these rules. The keys to the car should only be given by the parent when the child avoids risk taking behavior and obtains the required driving skills.

Most of the teen fatalities that have occurred in the road are due to factors like not wearing of seat belts, drunken driving, distractions on the road, crashes happening on Friday nights, and weekends mainly between 6 PM to 6 AM.

There are several safety rules laid down by the authorities for the safety of these teenagers but they don't follow these in a proper manner. Teenagers are supposed to wear seat belts, avoid using gadgets like phones, and avoid driving at midnight except for some practical reasons and drive with a parent or instructor for the first three months after receiving their driving license. The lack of discipline amongst teens to follow these rules is a major concern.

In order to reduce risk for their teen children the parents should also be a part of their driving skills learning program. The parents should partner with their child to teach them defensive driving techniques and driver safety rules. The parent should also share their own driving experiences with their children. This will help them become more mature and prepared to handle any adverse situations.

The parents should also help in modifying the risk taking behavior in their children. The chemical reaction of hormones and other pattern changes in the teenagers' body makes it difficult for them to avoid their risk taking behavior. So it is important for the parents to formulate a plan and approach regarding traffic safety for their children. It is necessary to understand the situations where the teenager might take risk for the sake of enjoyment. The parents should then help these teens to carefully analyze the repercussions of their act. This might lead to modification of the risk taking behavior for the teen.

It is important for teenagers to join the best driver education program. The onus lies on the parents to make their children join an authorized and certified driver education program which can help them develop their driving skills. The quality of the program and instructors approach is important for helping the teenager grasp the required driving knowledge. It is important to monitor the progress of the teenager on a daily basis. It is important to explain to the teenager that the driver program is just the beginning of their learning curve to become an expert driver. - 21392

About the Author:

Nathan's Driving School is one of the only accredited driving schools which specializes in teenage driving georgia and the reduction of insurance cost, visit teenage driver education for quality driving training.

What To Know When Buying Car Insurance

By Stuart Cartright

One important tip when you are looking for used car buying tips is when you first pick up your new vehicle. You will want to make sure that you are appropriately insured for the car you are about to drive as in some states the police are clamping down on uninsured drivers and are handing out heavy fines and in some cases, taking you to court and sending you to jail.

Insurance for your used car will cost you a substantial amount, but it will help you in the long run if you run into trouble. You should make sure that you go to the appropriate insurance companies for you car insurance, as some may refuse you if you don't have sufficient driving experience.

If you are going to purchase car insurance for the first time or switching to another company, go online and do it. The reason why you should go online is that you can go to various insurance carriers' websites and compare rates easily. You can get a free quote from practically anyone and you can use that quote to compare the rates of others, especially when you buy a used car online.

If one or both of your parents drive, then you should consider asking them to contact their current insurance company. Many car insurance companies will provide discounts to family member and if two or more cars in the household take out their car insurance, then some will further discount.

When you are looking to buy a used car online and your insurance, you should look for some loopholes that will lower your payment. If you are a good student, outstanding citizen, or if you have taken a driving course, then you can see some type of discount. Then if you purchase the right type of car, your payment will be smaller and meaning that you can spend more when you buy a used car online.

You will be looking to reduce the amount you are going to pay for your car insurance. Therefore, you should look at a car that will be economic and not the largest at the car dealership. You should look at emitions and size of the engine, making sure that you get a used car that has the smallest engine that you are willing to buy. The mileage that you will be doing each year will also influence how much you will pay on your premium.

Making sure that you stay within the amount of money that you can afford to pay out for your car payment and your car insurance premium each month will be important. Sales people at the dealership will be able to help you pick out a used car that is in a low category for insurance; but, you should make sure that you contact a car insurance company to check that the type of car you want will be within your price range for insuring it.

What many used car buying tips fail to include is how important online research is to ensuring that you get a great deal and the lowest priced insurance premium for your used car. It takes less time and allows you to take advantage of more discounts, a sure way to ensure that you have to lowest price possible. - 21392

About the Author:

Stuart has been a used car enthusiast, who likes to share advice and tips on buying a used car. If you need additional advice on car insurance buying tips, then vhas beenit hhas been blog to learn additional.