The Google Adsense Report and Why the Program is Original

The Google Adsense Report and Why the Program is Original

Understanding the Google Adsense Report

When you log into your Google Adsense account, you are automatically taken to the page where you can view all your Adsense activity.  On the Reports tab, you’ll see “Today’s Earnings.”  This is the approximate amount you have earned today in your Google Adsense account.  Earnings are not final at this point and could be adjusted for invalid clicks or fees.

It’s interesting to look at the breakdown.  As you can see, Adsense for Content, which refers to the targeted ads appearing on the pages in which you have written content, is listed first.  Here you will see the number of page impressions listed in the first column.  While a page impression is generally the same as a page view, that is not always the case.  For a more detailed definition of a page impression, see Google Adsense support, click on Your Adsense Account and then click on Your Adsense Report.

Next, you’ll notice the number of clicks.  This refers to the number of times “your ads” were clicked on.

Page click through rate or CTR is in the next column shown as a percentage. It represents the percentage of the time an ad was clicked on after viewing your page.

Page eCPM which stands for effective cost per thousand impressions.  It is calculated by dividing total earnings by the number of page impressions in thousands.

Don’t be intimidated by these statistics.  The bottom line, your earnings, is what really counts.  As you become more familiar with Google Adsense, statistics will become like second nature.  First, just start.

How is Google Adsense Different From Other Ad Networks?

Primarily because it is Google and that carries a lot of clout just with name recognition alone.  But here are some advantages to being a part of the Google Adsense network:

Getting started is fast and easy and requires no technical knowledge.  Google Adsense even provides html code for easy implementation with clear instructions.

Google Adsense has both the Adsense for Content feature and the Adsense for Search feature.

Google Adsense not only provides keyword targeted ads but site targeted ads as well, maximizing your potential for revenue.

Google Adsense provides a filter so that you can choose not to run your competitor’s ads on your pages as well as filter other unwanted ads.

Google Adsense provides an extensive support site that is easily understood.

zulkronz

Five Great Ideas to Save Money

Five Great Ideas to Save Money

Want to save money but don’t know how?  Feel like depriving yourself when it comes to saving money?  Don’t be disheartened.  Try these five money saving ideas, without breaking up a sweat!

Reduce or eliminate magazines.  If you are a typical American family, your mailbox gets its regular fill of magazines: business, sports, home and garden magazines.  Can you imagine how much each of these subscriptions cost?  Annually, it is an average of about $20 per magazine.  If your family is subscribed to 5 different magazines, that’s already $100 savings per year!  If you still need the information from such mags, try to check out their websites and you’ll be surprised at how much free information is available! 

Buy in bulk.  How can warehouse and discount clubs drastically lower their prices?  Because they buy and sell in bulk.  And so should you! Consumables that are non-perishable can be purchased 10-15% cheaper when bought in bulk.  Be sure to stock up only on fast-moving items such as kitchen towels, cleaners, canned goods, etc., to avoid wasting money on rancid food.

Eat at home.  Eating out has become an American lifestyle.  What used to be an activity to celebrate special occasions has become part of the daily, fast-paced life.  But did you know that eating out could chomp as much as 40% of your budget for food?  That’s as much as $40 weekly, saved just by eating in!  

Plan your meals.  Eating out 4X a week need not be your solution to a dynamic lifestyle.  Menu planning is! Take time on weekends to plan for the following week’s meals.  Every night, before you hit the sack, take out the ingredients for the meals of the next day from the freezer, and store them in the refrigerator.  By the time you get home from work, everything is thawed and ready to be cooked.  And because eating out is part of the American way of life, you would have saved enough money to spend for dining out on special occasions!

Homemade skin care.  Is your dermatologist eating up your budget? Don’t you wish you can be beautiful and save money at the same time? The answer is yes, you can!  By using ingredients from your pantry, you can take care of your skin and still save a fortune.  Try the following:

- Honey and oatmeal can exfoliate dry skin.

- Ginger seeped in a bath softens your skin.

- Cucumber and milk softens tired skin.

Without drastically changing your lifestyle, you have started your path on saving money.  Secure your future by using these money saving ideas, today! 

Self-Control and Saving Money

Self-Control and Saving Money


Self-control is one of the many virtues that is something that can be learned by each and every person.  And learning it will prove to be very significant in the way people handle their finances. Possessing a sense of self-control somehow helps people to put aside money instead of spending it. It helps people to resist the terrible "itch" they get to spend money the moment they get hold of it.

This is a common pitfall for most people. Often, when people come into a certain amount of money, they have this tendency to rush out and instantly satisfy the irresistible urge to splurge on anything they lay their eyes on.  This is a very dangerous mistake.  Sometimes people fail to recognize the idea that the future has to be considered, too, whenever spending and savings enter the picture.

The cliché "nothing is constant" still rings true until today.  The stuff people see now as shiny and new will fade and rust away later.  And patience and self-control makes people realize and think about the many other more important things that requires more of people's concern, specifically money-wise.

A person's financial success starts with a conscious effort to control one's expenditures and save up for the future.

Realizing the high correlation of self-control and saving money, the next question is, how do we start learning and acquire this virtue of self-control, which seems so elusive?  Well, there are many ways which people often take for granted. Here are some of the less complicated ones that are easier to follow.  Learn them, and hope they grow on you. Try to apply these easy steps in your daily living and surely they will bear you wonderful fruits on your way to financial stability and security.

1.  Do not purchase items on impulse.  Consider thinking if you really need the item, or maybe you can still put it off for later when you really have the need for it.

2.  Identify the your needs from wants.  You wouldn't want to spend so much on something that you may regret doing so in the future.

3.  Look for a person who can serve as a role model for you and adapt a financial life similar to what he does. In this way, self-control will seem very easy when you see that others are actually doing it.

Priorities Bring Focus to Family Budgeting

Priorities  Bring Focus to Family Budgeting

Often times, the family budget is a source of conflict.  Most of the time, the major earner makes the final financial decision, which isn’t always a welcome deal for the rest.  Since money is such an intrinsic part of family life, families need to achieve accord in this aspect.  There is a four-step cycle in budgeting the family money to maintain peace and harmony.

1. Set your priorities.  

Priorities are different from goals.  They are aspects in your family’s life that you, as a family, want to set focus on, say health or children’s future.  While goals are specific targets that support priorities.

In setting priorities, do not set too many as it defeats the purpose.  Ideally, there should only be one, but because life is not ideal, 2 to 3 are reasonable. 

As the priorities are set and agreed upon, write them down.  Post the paper where everybody can see them to remind them of what your family is focused on for the next few years.

2. List down your goals.

Once the family has set and agreed on priorities, the next step is to set the goals.  Goals are specific and measurable conditions that, when achieved, will support the priorities.  

In setting goals, establish a target that is both challenging yet achievable.  A 10-15% of the family’s income is a good savings target for a child’s future education: stretching yet reachable.

Try to limit your family into setting 1-2 goals per priority, to maintain focus.

3. Work towards your goals.

After setting your priorities and goals, start living by them.  All of the family’s activities will be geared towards working at your goals.  Track progress, particularly on financial goals, by using an income and expense-tracking tool.  The simplest way is to get a notebook and list down all expenses and incomes and set a budget for future spending.  There are those that invest in computer software or a family accountant.  Whatever it is, the important thing is to have a system of monitoring the family’s performance towards achieving their goals.

4. Evaluate your family life.

At a certain point in time, when you feel like it’s time to evaluate your life, check how your family is doing against the goals.  Goals that have been achieved can be checked off the list, and new ones can be formulated.  

At times, in major changes, say a career move, or when a family member goes away, it may be time to re-evaluate priorities. When such a time comes, then the cycle begins, just like what it’s for: life! 

Tips on How to be Money Wise

Saving Money and Your Bills: Tips on How to be Money Wise

I used to love going to the supermarket. But nowadays, I make my trips short and sweet. I have a list and stick to it. My trips to the supermarket made me realize that it’s getting harder and harder to stretch that dollar. With all those bills that you have to pay in a month, you really can’t do anything about it but to save.

I read once that it’s not how much you earn that ensures a comfortable and happy future; but it’s how much you save and keep saved that matters. That is why it is really important to save money especially when it comes to your monthly bills.

Some people do not just realize it but saving on their monthly bills can provide the best money-saving opportunity for them.

Here’s how:

1. Turn off appliances and lights when not in use

The logic is basically simple. Why would you leave something turned on when nobody is going to use it? That’s definitely a bad habit. 

Hence, if you really want to cut back some on your electricity bill, always turn off the lights and your appliances when not in use.

2. Use energy-saving lights

Nowadays, saving on your electricity bill is not impossible because you can opt for energy-saving devices such as lights. Using these energy-saving lights such as fluorescent lights consumes lower amounts of energy but can still give the suitable amount of illumination.

3. Always check for the leaks

Water bills can create a mountain load of pile on your monthly dues if you do not check on the things that might cause your water bill to rise higher. You can prevent this by ensuring that every pipe is free from any leaks. 

Some people do not just realize that single drops from leaking pipes could mean additional costs on your water bill.

4. Be more tech-savvy

Cut your phone bill to almost half by simply being tech-savvy. That is, opt for the emails and chatting services of the Internet instead of using your phone to call long distance to your relatives and friends.

5. Try to insulate your home

Insulating your home is a definite energy-saver, money-saver scheme. You will never know how much money you can save on your electricity bill when you start to insulate your home.

Indeed, cutting some of your bills can definitely allow you to save more money. You just have to be wise on your home and everything that you have in it.

A Little Goes a Long Way: Smart Secrets to Budgeting

There’s nothing more we want than to be able to efficiently manage our money. After all, the money that we want to manage is money that is oftentimes, hard earned. This is where a budget comes in. A budget executed properly, should help you see where your money is going, get more utility out of every buck, and help you save some extra for future use. 

The first smart secret to a budget is to set a goal. What do you want to achieve? Do you want to correctly appropriate your income into bills payments? Do you want to put an amount aside for a big purchase or a huge investment? By having a goal, you will be able to shape your budget to best serve your interests. 

Secondly, you would want to take note of where your money usually goes. This includes bills, major but regular purchases (like grocery costs, healthcare costs, and the like), and everyday miscellaneous purchases. Only when you list down where you know your money usually goes will you be able to identify which expenses you can do without. Once you’ve identified these regular expenditures, take into consideration what you can cut back on. How much do you spend on your daily caffeine fix in the morning? How much do you spend on newspaper deliveries to your front door? The measly $2 or $5 of these small purchases cumulatively translates to more than $3600 a year! Instead of buying your expensive latte or reading the newspaper on print, put aside the amount you would usually pay for these small routine purchases in a small container. You will be surprised at how much you’re saving out of your older budget.

Being indebted is a vicious cycle on its own. You’re talking about continuous payments, not to mention huge interest rates. The best way to deal with this is to pay the minimum on all of your debts in order to avoid paying extraneous late fees. Whatever cash excesses you may have, you can opt to add on to the payments you make in your biggest debt. This way, you are concentrated on getting the biggest debts first that cost you the greatest interest rates. Doing this progressively, you’ll be amazed at how much you’ll get off your huge debts.

The last and most important step is to jot down the amount you earn the sum you spend. You can make use of computer cash management programs, or make database sheets of your own. Make a system that works for you and will help you keep track of your monthly budgeting progress.

Guide To Better Budgeting

Guide To Better Budgeting

A budget is basically a money plan, outlining your financial goals. Having a budget, you can well establish and regulate funds, set and achieve your financial objectives, and make advance decisions as to how you want your finances to function well for you. 

The main idea in budgeting is for you to put aside a certain amount of money for expected as well as unexpected costs.

Simply put, budgeting means an estimation of monthly home expenses basing it on previous expenses and bills. 

The initial step to take in budgeting is to find out how long will your compensation last. Define fixed expenses like car payments, home rental, insurance, etc. Likewise follow up your expenditures thoroughly for a month so you can discover and understand where your funds are going. Through proper determination of your “spending patterns”, you can immediately identify solutions for effective budgeting. 

For instance, when you have a steady monthly income of $4,000, you should subtract all your identified monthly bills from that income. 

Other bills can be assessed and then subtracted from the amount of your income. The balance that remained after fixed costs can now be your budget in the household. Rather than allocating money for miscellaneous like gas, clothing, entertainment and groceries, financial planning will allow you instead to use proportions or percentages of it.

The strategic solution in order for budgeting to be successful is inflexibility as well as flexibility; there are fixed expenses so payment must be an inflexible factor. 

Budgeting will best work when very scarce omissions are made to greater limits. The idea here is to formulate goals and plans, then abide by it as much as you possibly can.

Here are tips on how to budget:

1. Have good sense of money management.  Your attitude is essential. Reach an agreement and compromise and know the significance of reducing expenditures; it all involves a lot of sacrifice. 

2. Plan your situation. Make a listing with your earnings to one side and your overheads on the other side. 

3. Know the difference between luxuries and necessities. List down what you believe as luxuries, with it, split the list in half, crossing out half the list. 

4. Practice frugality but with dignity. You can have fun with little or without spending at all. Rather than going shopping, play with the kids at the beach or at the park.  

Budgeting is an effective and fundamental tool that is readily available to everyone.  Consider it, and benefit from it.

Methods Of Saving Money

Methods Of Saving Money

Saving is basically putting aside money or a way to utilize your present income for future use. 

One saves for several reasons such as for a college education, buying a new car, for a new TV set you wish to acquire in three to four months time, for down payment on a home, or to provide for yourself when retirement comes. 

As much as there are several reasons for saving, there are likewise many methods in which one can save. In most instances, the best method can be determined by whatever plans you have for the future.

1. Savings accounts. When saving for just a short period or for emergency purposes, consider opening a savings account passbook, as it is in this method that you can easily gain access to your funds. 

Great for both long and short term savings, you can deposit and withdraw money to your account and earn interest, based on your average daily balance. A minimum balance is required to be maintained though, and you are charged with a penalty should you fail to maintain it.

2. Checking account with interest.  Here one can benefit from checking account conveniences, while your deposits gain interests. Generally these types of accounts grants privileges such as limitless withdrawal and check writing, access to ATM and bill payments that can be done online. 

This method typically requires a daily maintaining balance of at least $2,000.

3. Money market insured accounts. For long-termed goals, this method is ideal, as it generally offers a much higher rate of interest compared to a regular or standard savings account.

The interest rate usually is dependent on the amount of money in your bank account; larger balance means higher interest. 

4. “CD” or Certificates of Deposit.  This is a savings method requiring you to “loan” your money to your financial agency for a certain time frame, usually ranging from thirty days up to five years. Here, the longer the time span again, means higher interest. 

Keep in mind that usually insurance companies offer better deals on interests compared to banks, so before you invest, compare rates first!

At certain times, when your goal is many years away, it can be a wiser decision to save money in a certain way that you are not drawn on using it other than the main reason for saving it. Deciding on the right financial agency such as a bank, credit union or insurance firm can bring about a lot of benefit in your finances. 

TQ

Consolidare il debito della carta di credito

Consolidare il debito della carta di credito

Sappiamo che è buona consolidare il debito della carta di credito (almeno questo è quello che continuiamo a sentire da tutti). Infatti, il primo passo per affrontare il problema del debito della carta di credito è quello di consolidare il debito della carta di credito. Ora, che cosa fare per consolidare il debito della carta di credito? Si dovrebbe solo andare con quell'annuncio attraente nel giornale che dice '... the APR più basso della città è disponibile qui '?

La prima cosa, davvero, è di tenere gli occhi e le orecchie aperte. Ci sono sempre un numero di offerte disponibili per voi da scegliere. I fornitori di carta di credito continuano a venire con nuove e più attraenti offerte che ti chiede di consolidare il debito della carta di credito con loro. Tuttavia, si deve notare che il APR citato in grassetto, per esempio 0% APR, è applicabile solo per un breve periodo (3-9 mesi). Lungo termine (o standard) APR è diverso. Così, quando si va alla ricerca di una carta di credito consolidare il debito della carta di credito, che deve essere acutamente cercando queste 3 cose (in termini di APR) – introduttive APR, periodo APR introduttivo e APR standard. Vediamo come ciascuno di essi è importante.

APR introduttivo è probabilmente la cosa più interessante da guardare per quando si sta cercando di consolidare il debito della carta di credito. Se è consolidare il debito della carta di credito a una carta che ha un basso APR introduttivo per esempio 0%, la prima cosa che si ottiene è un sfiato/rilievo in termini di tasso al quale il vostro debito di carta di credito è in crescita.

Basato su quanto quello 0% periodo APR è lungo (in genere cercherà di consolidare il debito della carta di credito con un fornitore di carta di credito che offre 0% TAEG iniziale), almeno sarete in grado di rompere temporaneamente il tasso di crescita del proprio debito di carta di credito. Più il periodo introduttivo, meglio è. Tuttavia, non dovreste ignorare il APR standard quando si consolidare il debito della carta di credito.

Questo è il tasso di interesse che verrà applicato al saldo dopo la scadenza del periodo introduttivo basso APR che è stato dato per indurre l'utente a consolidare il debito della carta di credito con tale fornitore di carta di credito. Se il APR standard è troppo alto e si sa che non sarà in grado di cancellare il debito dell'intera carta di credito durante il basso periodo APR, quella carta di credito non è probabilmente il migliore per voi per consolidare il debito della carta di credito a. Tuttavia, se si pensa che sarà in grado di cancellare l'intera carta di credito debito durante quel periodo, è possibile fare alcuni compromessi sull'APR standard della carta di credito a cui è consolidare il debito della carta di credito.

La carta che si sincronizza con la vostra situazione finanziaria attuale e futura (e bisogni), è quello si dovrebbe consolidare debito della carta di credito.

Budgeting Tools

Keep Them Handy: Budgeting Tools that Work

Budgeting your monthly expenses in order to get the greatest return on your income (and perhaps, even put aside some for saving!) doesn't have to be extremely hard. 

Various budgeting programs are available for use. Money management programs provide you with a usual package that allows you to enter your cash inflows and outflows, categorizes your expenditures, and at times, presents to you analysis of your spending behavior. Through these programs you can also input the various payments you have to make monthly, and subsequently track if you’ve paid your dues on time. Moreover, some programs also offer you a tax form draft that will help you make sure you’re not missing out on any dues or any deductibles, for that matter.

Another budgeting tool that you can utilize are coupons. Various stores and magazines contain coupons that you can use to get discounts on various products. Should there be a need to purchase a particular product for which you have a coupon for, you will end up saving a fraction of what you might have had to spend on a regular purchase.

Lists—whether on a piece of paper, on your cellular phone, or on your personal digital assistant (PDA) will help you keep focused on what you have to buy, and in effect, keep track of the purchases you make. A classic example is your regular grocery trip. Prior to making the trip, plan out the week’s entire menu and identify what food items and materials you need to purchase that are unavailable in your pantry. Then, make a list of other household items that you've run out of (or are eventually going to run out of before you can make the next trip to the grocery). Armed with these lists, you can go to the grocery and know exactly where to go and what you’re going to buy. Without these lists, you will walk idly along aisles, and will likely pick up various food items that you won’t likely need in the immediate future, or already have at home. 

A filing system is perhaps one of the best budgeting tools you can have in your home. With simple, labeled file folders, you can put together your bills, your receipts, and whatever bank documents are issued to you when you save or pay. By putting together your bills, your credit card receipts, and the like, you are able to keep track of how much you owe and when your payments are due.

Effective budgeting tools are those that best address your needs as a consumer. Create your own budgeting tool or find a program to do it for you—just make sure it suits your lifestyle. 

Tips on How to Teach Your Kids to Save Money

Tips on How to Teach Your Kids to Save Money

A lot of teens nowadays do not understand the value of earning and spending money. They were not oriented that investing is necessary even if they are still students. As parents, you play a crucial role in this area. 

You should be able to teach your kids on how to save money. They should be able to understand the concept of money and investment as early as childhood. This will prepare them to learn money management, as they grow old. 

Here are some tips on how you can teach your children how to save money:

1. Your children should be educated of the meaning of money. Once your children have learned how to count, that is the perfect time for you teach them the real meaning of money. You should be consistent and explain to them in simple ways and do this frequently so that they may be able to remember what you taught them.

2. Always explain to them the value of saving money. Make them understand its importance and how it will impact their life. It is important that you entertain questions from them about money and you should be able to answer them right away.

3. When giving them their allowances. You need to give them their allowances in denominations. Then you can encourage them that they should keep a certain bill for the future. You can motivate them to do this by telling them that the money can be saved and they can buy new pair of shoes or the toys they want once they are able to save.

4. You can also teach them to work for money. You can start this at your own home. You can pay them fifty cents to one dollar every time they clean their rooms, do the dishes or feed their pets. This concept of earning little money will make them think that money is something they have worked for and should be spent wisely.

5. You can teach them to save money by giving them piggy banks where they can put coins and wait until they get full. You can also open bank accounts for them and let them deposit money from their allowance. You should always show them how much they have earned to keep them motivated.

Money and saving is not something that is learned by children in one sitting. You should be patient in teaching them and relating the value of money in all of their activities. Children will learn this easily if you are patient and consistent in guiding them and encouraging them in this endeavor.

Credit card debt counseling

Is ‘credit card debt counseling’ really beneficial?

Not everyone believes that credit card debt counseling is beneficial and there are various reasons for that. Some people just read articles in the newspapers or find advice on the internet and take that as the final thing. So they don’t feel the need for credit card debt counseling. Some others feel that credit card debt counseling companies are just trying to make quick money by telling you the obvious i.e. by telling you something that is being advertised everywhere. However, the most important reason arises from the fact that not all credit card debt counseling companies are genuine and of those that are genuine, not all credit card debt counseling companies provide good advice. So, choosing a proper credit card debt counseling company becomes a critical factor in determining the success of credit card debt counseling. Always go for a reputable credit card debt counseling company, even if their fee is a bit higher. Remember that a proper credit card debt counseling can help you in not just eliminating your credit card debt, but eliminating your credit card debt in a way that is so cost effective as to more than offset the fee credit card debt counseling company is charging you. Moreover, proper credit card debt counseling can save you a lot of time and energy that you would have otherwise spend in studying all about credit card debt, gathering information about various credit card debt elimination measures and comparing these measures. Further, these credit card debt counseling companies can present more than one solution to you from which you can choose whatever appeals the most to you. These credit card debt counseling agencies can also get your credit card debt settled much quicker than if you were trying to do it all by yourself (and without any credit card debt counseling). Also, credit card debt counseling could bring to light things which you would not have been able to see e.g. risks with the approach you were thinking to adopt or a futuristic view of things. Moreover, a person who earns his/her bread by practicing credit card debt counseling as a profession, would know the tricks of the trade which no one else would even have an inkling to e.g. pitfalls of a particular debt consolidation offer, or advantages of another offer etc etc.

There is no doubt with regards to the benefits that credit card debt counseling can bring to you. However, you need to be careful and avoid the fraudsters and pick up someone who has a good reputation.

Apply for a credit card

Should I apply for a credit card and how?

Are you pondering on whether you should apply for a credit card? Well, the answer quite simply is – ‘Yes’ - you should apply for a credit card (this is true for most people). The credit cards seem to have transformed our lives. In fact, one can term credit cards as a revolution. Today, you find ads in TV/newspapers/website/shops and almost anywhere and everywhere; all asking you to apply for a credit card. When you look around, you see that most people have credit cards. In fact, most people have multiple credit cards. Everyone seems to apply for a credit card. So, why should you apply for a credit card?

There are a lot of benefits associated with credit cards; however, the most important benefit is the convenience that they offer. For most people, this is the prime and the sole reason that instigates them to apply for a credit card. This wouldn’t have been the case a few years ago, when not many merchants accepted credit cards. However, today, most merchants do accept credit cards. So, instead of carrying a lot of cash on you (which is both inconvenient and unsafe), you can just carry a small piece of plastic with you. Moreover, you get interest free credit i.e. you don’t have to pay the bills till the next monthly billing cycle. So, you can buy now and pay later (when your salary arrives) – a great reason to apply for a credit card. To add to that, there are certain merchants that offer interest-free instalment payment plan i.e. you can make a big purchase today and pay for it in instalments on your credit card. So credit cards works as instant long term loan too (not just a monthly loan). Yet another reason to apply for a credit card is the discounts on shopping. This is made possible by the tie-ups between credit card companies and the merchants. So credit cards offer many benefits.

There are various ways in which you can apply for a credit card - you can apply for a credit card in person, you can apply for a credit card on the internet and you can apply for a credit card on phone too (by asking the representative to meet you). You will as such be approached by a lot of sales representatives, all asking you to apply for a credit card with their company. To apply for a credit card, you will need to fill-in a credit card application form (which is easy to fill and the representatives of the credit card company will assist you in that). When you apply for a credit card, you basically enter into an agreement with the credit card supplier (the form that you fill when you apply for a credit card is actually an agreement). After you have submitted your application, the credit card company conducts certain checks to determine your credibility; and if everything is fine, you receive the credit card.

So, applying for a credit card is easy and to apply for a credit card or not to apply for a credit card is a matter of personal choice. However, for most people who don’t have any credit card, the recommendation is “Apply for a credit card”.

Low interest credit card

Low interest credit cards

A lot of people just look at low interest credit cards when they are looking to get a credit card for themselves. The credit card suppliers too advertise low interest credit cards more that any other kind of credit cards. However, should low interest credit cards be the only ones on your list when you are hunting for a credit card? Probably not. For some people, interest rate or the APR is probably the most important thing to look for when selecting a credit card. However, that doesn’t hold good for everyone. Low interest credit cards are good and should surely be on your list, but APR is not the only thing to look for.

Let’s start with understanding what an APR (annual percentage rate) is and where its importance lies. APR is simply the interest rate that is used to calculate interest on the balance in your credit account with the credit card supplier. There is no interest charge if you make the full payment of your credit card bill (by the due date). However, in case of a partial payment, you will need to pay an interest on whatever you owe the credit card supplier. The APR is backward calculated to get a monthly rate and the same is applied on your balance to calculate the interest for the applicable period.

That means, people who are not sure about being able to pay the full amount, every time, should surely look for low interest credit cards. A low interest credit card helps in reducing your total outgo by curtailing the interest you pay on your balance. So, low interest credit cards help in slowing down the rate at which your credit card debt builds up. Thus low interest credit cards are surely important for a particular group of people, as stated above.

Besides this group, there are others who don’t really need low interest credit cards. These people are capable of (and intend to) pay off their credit card bill in full every month. Their purpose in using a credit card is convenience and other benefits associated with the credit cards. So, be it low interest credit cards or high interest ones; it really doesn’t matter for them.

So the need for low interest credit cards is more felt by a particular group of people. However, even if you go for a low interest credit card, you need to pit the various low interest credit cards against each other (vis-à-vis the other benefits they offer) and then select the low interest credit card that is best suited to your needs.

So, first you need to evaluate whether you need to go only for low interest credit cards and then select the low interest credit card that fulfils your needs. After all, you don’t go hunting for a credit card everyday.

Carta di credito prestito di consolidamento del debito

Carta di credito prestito di consolidamento del debito

Consolidamento del debito di carta di credito è considerato come il primo passo per liberarsi del debito della carta di credito. Carta di credito prestito di consolidamento del debito è uno dei modi di consolidare il debito della carta di credito. Inoltre, carta di credito prestito di consolidamento del debito, si può anche andare per saldo trasferimento ad un'altra carta di credito. Infatti, a causa della pubblicità da parte dei fornitori di carta di credito, trasferimenti di bilancio sembrano essere più parlato di carta di credito prestito di consolidamento del debito. Alcune persone dimenticare tipo di carta di credito debito prestito di consolidamento è disponibile come metodo di consolidamento del debito di carta di credito. Tuttavia, carta di credito prestito di consolidamento del debito è troppo importante da considerare quando si va per il consolidamento del debito di carta di credito.

Che cosa intendiamo con carta di credito prestito di consolidamento del debito?

Messo semplicemente, carta di credito prestito di consolidamento debiti è un prestito a basso interesse che si applica per con una banca o istituzione finanziaria al fine di cancellare il debito di carta di credito il vostro alto interesse. Così carta di credito prestito di consolidamento del debito troppo è basato sullo stesso principio come equilibrio trasferisce cioè lo spostamento da uno o più debiti di alto interesse a un basso interesse uno. Il prestito di consolidamento del debito di carta di credito deve essere rimborsato in rate mensili e secondo i termini e le condizioni concordate tra voi e il dispenser di carta di credito prestito di consolidamento del debito.

Carta di credito prestito di consolidamento del debito, in termini generali, è un prestito chirografario cioè non richiede di pegno alcuna sicurezza. Tuttavia, se avete una storia di credito davvero male e volete andare per lo stabilimento di debito di carta di credito tramite carta di credito prestito di consolidamento del debito, il prestito di consolidamento del debito di carta di credito avrà la forma di un prestito di consolidamento del debito garantito carta di credito. Questo tipo di carta di credito prestito di consolidamento del debito richiede impegno una sicurezza per esempio la casa di proprietà da voi o da qualcos'altro che ha un valore che è paragonabile al vostro importo del prestito consolidamento debito carta di credito. Così, peggio il rating del credito, il più difficile è ottenere un prestito di consolidamento del debito di carta di credito.

Però saldo trasferimenti e prestiti di consolidamento di debito di carta di credito hanno lo stesso obiettivo dietro di loro, i prestiti di consolidamento di debito di carta di credito sono a volte considerati meglio perché si finisce per chiudere la maggior parte degli account di carta di credito che sono stati il principale colpevole in atterraggio in questa difficile situazione. Tuttavia, saldo trasferimenti hanno loro propri vantaggi che non sono disponibili con carta di credito prestiti di consolidamento del debito. Scegliendo tra carta di credito debito consolidamento prestito e saldo trasferimento è davvero una questione di scelta personale.

Credit card debt management

Credit card debt management

Though a lot of people are comfortable with going forward with credit card debt management all by themselves, not everyone is. There are people who don’t really want to tread into the territory of financial issues (credit card debt management included). Such people generally prefer going to debt assistance companies for advice on credit card debt management or for getting the credit card debt management done through them. However, even before we talk further on this topic of credit card debt management, it’s imperative to understand that any external person or agency can only do a proper credit card debt management for you if you strictly follow the advice/guidelines that they formulate as part of credit card debt management. These credit card debt management guidelines are generally related to controlling your spending (which basically means perseverance and contentment).

Going to a credit card debt management company or a credit card debt management advisor/professional is not meant only for people who are foreign to financial topics but is sometimes fruitful for other people too (who are going with credit card debt management all by themselves). This arises from the fact that these credit card debt management professionals (as any professional) would have more knowledge in that field than anyone else that is not from that field/profession. So, firstly, you wouldn’t know all the tips and tricks that the credit card debt management professional would know (and in fact this is something that you cannot read and learn overnight). And secondly, it will save you a lot of time; because the person who practices credit card debt management as a profession would know about all the latest offers etc that are available in the market e.g. balance transfer offers etc (and hence you don’t need to go looking for all this stuff all by yourself). All in all, a credit card debt management professional can help get you a better deal that might more than compensate for the fee charged by that professional. If you look around you will find that there are hordes of companies and professionals offering credit card debt management services. However, the key here is that you choose someone whose credentials are already established (or who can prove his credentials to you). One good way of selecting a credit card debt management company/ professional is to check with a friend or someone from your family, if they have used any such service in recent times. After all, references are the best way of building trust.

Credit card application

Rejection of credit card application

As time progresses, more and more people are joining the revolution called ‘Credit card’. Yes, it’s really a revolution. Now you don’t need to worry about how much cash you have in your pocket when you go shopping, just carrying this small piece of plastic (credit card) is enough to assure you of a good shopping treat. You can use your credit card to order things from the comfort of your home (on the internet). So the number of credit card applications seems to be on the rise. However, not every credit card application turns into a physical credit card. Some credit card applications get rejected too.

Let’s check why a credit card supplier would reject a credit card application when he has spent so much time and energy (and money) on wooing new customers.

One obvious reason for rejection of credit card application is human error i.e. the error committed by you in filling up the credit card application. These can be small mistakes like a wrong telephone number or wrong name or the postal code might be wrong. It’s normal to make mistakes, after all we are human being and no human being can be termed as perfect. Another strong reason for rejection of a credit card application could be missing mandatory information i.e. when you forgot to fill-in some mandatory information in the credit card application form. Sometimes, the credit card application could be rejected because the credit card application form has been filled-in in a handwriting that is illegible to the people processing your credit card application. At other times, the sales representative (of the credit card supplier) could have made a mistake in either depositing the form correctly or in guiding you in the filling of the credit card application form (newly hired sales representatives can make such mistakes).

However, these human errors are just minor errors that can be corrected later on and hence the only impact would be in terms of the delay in receiving your credit card. The main and the most important cause for rejection of credit card applications is bad credit ratings i.e. a negative credit history. If you have been using other credit cards or if you have taken bank loans/mortgages in the past, you would have already build your credit rating. If you have been making your bill/instalment payments in time (and in the correct amount), you would have already acquired a good credit rating. However, if you have been irregular or if you have been defaulting on your payment dues, you would have developed a bad credit rating. This credit rating is calculated by credit bureaus who receive feeds from various credit suppliers. All credit card applications are checked for the credit rating of the requestor and if it comes up as negative, the application is rejected outrightly.

So, these are the 2 most important reasons for rejection of credit card application and you must pay heed to them (especially the credit rating).

Online credit card

“Online credit card usage” – convenience at its best

Commerce and technology, combined as a one package – this is what online credit cards are.

With the advent of internet, the knowledge and communication barriers were broken. Also, with internet, came the concept of e-shops or virtual shops that existed only on the internet. You could shop at these shops by making use of their online credit card payment-acceptance ability. Once the online credit card payments were verified and approved, the goods got delivered to your door. This is what we call convenience at its best.

With more and more e-shops getting setup everyday, online credit card usage is becoming even more popular. The possibility of receiving online credit card payments has given a totally new dimension to shopping. Now, you can not only shop from the comfort of your home, you can even get discounts on these products. This is really amazing. No need to bother about the weather, no need to worry about the traffic jams or any other thing. Just go to an e-shop, select a product, make use of their online credit card payment-acceptance facility to make the payment and be ready to receive the goods at your doorstep.

With online credit card processing facility, starting a business (an online business) has become just unbelievably easy.

However, there is nothing without pitfalls. One of the pitfalls of online credit card usage is the possibility of online credit card fraud. This online credit card fraud can happen in two ways. The first one is related to the company, on whose website you made online credit card payment for purchase of goods; this company itself could be fraudulent i.e. it could take the online credit card payment from you but not deliver the goods to you. Moreover, they could use the details of your credit card (received through the filling up of online credit card payment form by you) for fraudulent purposes. The second type of fraud is committed by fraudsters who use various softwares/devices to capture the details of online credit card payments (as you enter them on the online credit card payment form of a website). These softwares are popularly known as spyware and these fraudsters as online spies. The spyware works by capturing keystrokes or taking screenshots of whatever you do on your computer and then passes it on to the spy. However, there are anti-spyware softwares available which can be used to counter such spyware.

So, the advent of online credit card usage facility is a boon to us. However, you must exercise caution when making online credit card payments e.g. don’t access your bank accounts or make online credit card payments from internet cafes (unless you are absolutely sure about the credentials of the internet café).

Credit card debt consolidation

Che cosa è 'Credit card debt consolidation'?

'Credit card debt consolidation' è una frase che si deve avere incontrato molte volte. Ci sono centinaia di siti con consigli sul consolidamento del debito di carta di credito. Ogni ora e poi il vostro quotidiano preferito sarà anche contenere un articolo o consigliare sul consolidamento del debito di carta di credito. Canali TV ospitano discussioni sul consolidamento del debito di carta di credito. Inoltre, esistono numerosi consulenti e aziende che forniscono consulenza professionale sul consolidamento del debito di carta di credito. Così che cosa è questo "Credit card debt consolidation" che tutti parlano? Perché è un tema così importante?

"Credit card debt consolidation" si riferisce al consolidamento del debito su varie carte di credito in una sola carta di credito (o un paio di carte di credito). In genere, si sposta da una carta di credito APR superiore a un'inferiore 1 APR. Si potrebbe chiedere 'perché?' Se si guarda come funziona il circolo vizioso del debito della carta di credito, capirete immediatamente che la logica. Carta di credito debito cresce in 2 modi. Uno è a causa dell'aggiunta di nuovo debito conto del fresco passa sulla tua carta di credito e il secondo è a causa dell'aggiunta di spese di interesse per il debito di carta di credito esistente. Il primo è dovuto l'uso della carta di credito, ma la seconda è a causa di accuse di interessi che sono calcolate sulla base del tasso di interesse o il TAEG applicabile alla tua carta di credito. Così un tasso più basso di APR significa che il tuo debito di carta di credito crescerà ad un ritmo più lento e quindi passare a una carta con TAEG inferiore ha perfettamente senso.

Il processo di consolidamento del debito di carta di credito è anche definito come processo di trasferimento di equilibrio (si trasferiscono l'equilibrio o debito da una carta di credito a un altro).Il credito della scheda debito consolidamento (o trasferimento di equilibrio) offerte sono fatti ancora più attraente per i fornitori di carta di credito associando vari benefici con loro. La logica semplice che offre questi vantaggi è il fatto che un tale cliente sarebbe essere defecting da uno dei loro concorrenti. Il più grande vantaggio offerto da questi fornitori di carta di credito è 0% di interesse sul saldo trasferimenti (o consolidamento del debito di carta di credito). Questo 0% TAEG è generalmente applicabile per un breve periodo di tempo cioè 3-6 mesi, dopo di che il APR standard è applicabile. Altre offerte di consolidamento del debito di carta di credito includono cose come interesse acquisto gratuito per un breve periodo, punti premio, ecc. Queste offerte di consolidamento del debito di carta di credito fare esercizio di consolidamento del debito di carta di credito anche più logico e significativi.

Consolidamento del debito di carta di credito sembra essere un buon modo di affrontare il problema del debito della carta di credito e che è il motivo per cui c'è tanto di discussione sul tema del consolidamento del debito di carta di credito.

Business credit card

Is business credit card helpful?

‘Yes’ –is the answer that’s comes out almost immediately. That is true at least for most businesses (especially small businesses). Before we delve deeper into how business credit cards are helpful, let’s try and understand what a business credit card is.

Put simply, a business credit card is a credit card that is owned by a business and not an individual. To understand this better, you can simply draw an analogy between the business credit cards and business bank accounts, which are in the name of the business as well. Other than that, business credit cards work in pretty much the same fashion as the personal credit cards; with a few exceptions. These exceptions are in the form of flexibility in credit limit, low APRs and some other additional benefits that are available to business credit cards only.

Even from just that, business credit cards seem a good proposition. However, business credit cards would be attractive even without those benefits because the main benefit lies elsewhere. The big-big benefit from a business credit card is realised in terms of business expense accounting. For most small businesses, business expense accounting is a big overhead. With business credit cards, this is handled very easily – you just have to ensure that you make all your business expenses on your business credit card and let the personal expenses be on the personal credit card i.e. segregation of business and personal expenses is all you need to do. So the bill for your business credit card will have all the business expenses on it and you wouldn’t need to collate all the various bills or sort out the items from your personal credit card bill. The key here is to make sure that you use your business credit card for all your business expenses (or as much as you can). Moreover, a lot of business credit card suppliers realise this need of small business and even organise the business credit card bills in a way that meets the accounting requirements of these businesses. So mostly, they will appropriately group the expenses on the business credit card bill so as to facilitate business expense accounting. In fact, some of the business credit card suppliers go to an extent of providing the bills in a format that can be downloaded and exported to an accounting system i.e. you don’t need to enter the data manually in your accounting system. In case the format is not suitable for your accounting system, you can hire a software professional to write a small quick program to convert it into a suitable format.

Thus just one reason - ‘facilitation of business expense accounting’, is enough to support the case of small business credit cards.