Guy Work

By Raul Levine

 Telephone, Internet, and television service are all examples of elective utilities. These utilities, though many times necessary, are not essential to basic living standards in the United States like gas, electricity, and water. Elective utilities are no less important to a household budget.

When budgeting elective utilities, the trick is to find a company offering the same service or better for a lower rate. This may sound like a statement from Captain Obvious, but it is amazing how many people are willing to pay a higher rate for the same service, and for no good reason.

Some people fear change, others feel they don’t have the time to track down lower rates for service, and still others think they won’t save a significant amount of money and don’t want to be inconvenienced. Of course there are also those who just don’t have a need for saving money. I’m not one of them.

One could always cut down on the amount of usage for services, however, this is not usually very practical. You have those services for a reason, you use them. Some elective utilities don’t even have a usage rate but a monthly fee regardless of usage such as television service.

Consider this, if you were to take just three of your elective utilities and cut your bill by ten dollars on each one every month you just saved enough money to pay another small bill. When you look at it that way, thirty dollars is nothing to sneeze at. That’s a whopping $360.00 a year.

It doesn’t sound like such a small amount of money now does it? What could you do with an extra $360.00? Make a car payment? Pay your car insurance? I would bet you know exactly what you would do with that money if you had it right now. If you’re like me you’re probably thinking of ways to save even more.

Let me share with you a few of my favorite ways to save money on elective utilities. The first thing to look at is price, that much is obvious. Though price is important, there are other variables to look at other than the bottom line rate, usage is probably the single most important factor.

Unlimited usage is king in budgeting. I used to use MCI Neighborhood bundled with unlimited local and long distance for fifty dollars a month. At the time it was a good deal, but cost me around eighty dollars a month after the hidden fee’s taxes and surcharges where added into the equation.

I took the leap to broadband telephone service which cost me twenty dollars a month for the exact same thing minus hidden fee’s and sir charges. I have had broadband phone for over a year and absolutely love it. I saved sixty dollars a month just on my phone bill alone. In a year I saved $720.00 on phone service!

When looking for cheaper elective’s think price plus usage. Unlimited usage is of course better than a rate plan unless you use very little of the service to begin with but need it from time to time. In that case it is better to go with the bare essentials. If your usage increases you can always upgrade.

Sometimes it will cost you a little extra money up front to get started with a new service provider. There may even be a few minor inconveniences at first. Try to stay focused on the end result and the big payoff. Chances are good you’ll get back any money spent to activate new service in a couple months.

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An Introduction to Day Trading

By Haywood Dickerson

 If you are interested to be at a day trading firm, you can jump into a day trading forum and have it as your training ground. Day trading can be a very confusing field and will require you to have a lot of knowledge. If you have a little knowledge about day trading, your knowledge might not be very fitting compared to the knowledge of the experts.

If you want to learn them, you need to learn and research about the important facts and strategies that cannot be learned from books but from personal experiences. Your guide in learning day trading firm is the day trading forum. It is where you can place and state all your queries.

You can ask anything you want to know in the day trading forum that you can find online. the day trading forum will be beneficial to you because even if you do not have the prior skills, you can become a member and ask anything that you want without hesitation. Besides, you don’t get to talk to a certain member personally so it is acceptable if you ask even the simplest thing about day trading.

Your message will be read by many people and you can have the chance to get heard easily. When the day trading forum members read your message, they will contribute anything they have in mind. Their answers and comments will be helpful to you as you are learning the process. You will also notice that the members have already a professional language that you might not understand.

If some things are still not clear to you, you can ask all over again. You can ask multiple questions for as long as you want and don’t worry because you will not get banned or deleted from the database. The more questions you make, the livelier the discussion gets. You can feel free to use the day trading forum to ask questions provided that the questions that you are going to ask have relevance to the subject.

You can also express your opinion and interact with their opinions. If you have relevant information that you want to share, there are no restrictions. The day trading forum visits the sites regularly so it is important to remember that you should keep relevant discussions in the topic.

The capability to act together with the other professional day traders in a day trading firm is important especially for beginners. In a day trading forum, a beginner can absorb the strategies and tips that a professional gives. This will help them to be acquainted with it easily so that they can decide the best day trading firm that they want to choose. Choosing a day trading firm may be a very risky task. A day trading forum will help you to come up with strong decisions that are acceptable.

To learn more about the day trading forum or discussion, all you have to do is to register so that you can be a member. You just have to simply fill out a form and after a few minutes, you are ready to make your own post with your own opinion. Always remember that interacting with the best day traders is the solution to be like them and talk like them.

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The Truth About Pre-Approved Credit

By Raul Levine

 If you have received a pre-approved credit card offer in the mail make sure you read everything. There are good and bad offers and you need to know which credit card offer is for you.

Look for:

* The Annual Percentage Rate (APR). If the interest rate is variable, how is it determined and when can it change?

* The periodic rate. This is the interest rate used to figure the finance charge on your balance each billing period.

* The annual fee. While some cards have no annual fee, others expect you to pay an amount each year for being a cardholder.

* The grace period. This is the number of days you have to pay your bill before finance charges start. Without this period, you may have to pay interest from the date you use your card or when the purchase is posted to your account.

* The finance charges. Most lenders calculate finance charges using an average daily account balance, which is the average of what you owed each day in the billing cycle. Look for offers that use an adjusted balance, which subtracts your monthly payment from your beginning balance. This method usually has the lowest finance charges. Stay away from offers that use the previous balance in calculating what you owe; this method has the highest finance charge. Also don’t forget to check if there is a minimum finance charge.

* Other fees. Ask about special fees when you get a cash advance, make a late payment, or go over your credit limit. Some companies charge a monthly fee regardless of whether you use your card.

The Fair Credit and Charge Card Disclosure Act require credit and charge card issuers to include this information on credit applications. The Federal Reserve Board provides a free brochure on choosing a credit card and a guide to credit protection laws at their web site.

Comparing Cards

* Bank Rate web site provides free credit card tips and information.

* Consumer Action web site has a site that features credit card surveys of interest rates, fees and other terms from dozens of credit cards, as well as free brochures and guides on choosing and using credit cards.

* Card Web lists credit cards and offers e-mail newsletters, frequently asked questions and online credit card calculators.

* Card Ratings lists and reviews credit cards, and offers tips and credit card calculators.

Lost and Stolen Credit Cards

Immediately call the card issuer when you suspect a credit or charge card has been lost or stolen. Many companies have toll-free numbers and 24-hour service to deal with such emergencies.

By federal law, once you report the loss or theft of a card, you have no further responsibility for unauthorized charges. In any event, your maximum liability under federal law is $50 per card.

Complaints

To complain about a problem with your credit card company, call the company first and try to resolve the problem. If you fail to resolve the issue, ask for the name, address and phone number of its regulatory agency.

If the word national appears in the name or the letters N.A. appear after the name, the Office of the Comptroller oversees its operations.

To complain about a credit bureau, department store or other FDIC-insured financial institution, write to the Consumer Response Center.

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