By Joseph Kenny
Credit cards that charge no interest on your purchases or on your balance transfer for a certain period of time are said to be interest free credit cards. This interest free period is for a certain time and limit. This gives you the chance for more shopping around and spending without any tension of being levied any extra amount. Thus you can save a lot on these cards.
At times it is so that the interest you pay would depend entirely on how good or bad you fair in credit ranking. Your annual income and nature of past payments also matter a lot. If you have had a bad credit history then you might have to pay a higher interest as compared to those who have good credit ranking. Thus, by paying off your balance on time or even before the due date you can easily assure the interest free credit card for your good credit ranking. Today all the major credit card companies provide customers with interest free credit cards whether they are Virgin credit card or Egg credit card or even Natwest credit card accompanied with additional offers.
Any interest free credit card can prove very advantageous for you by many means. This option gives you the chance of balance transfer and helps you to pay off your existing outstanding balance of your borrowings without added burden of interest. This card proves to be the handy tool when you are looking forward to a big purchase and want to repay in the easy installments. This card proves to be a boon for you if it is used wisely. Unfortunately the credit card issuers generally hide the actual APR and which comes into picture once the interest free period is over. This proves hard because now you have to pay more than what you may wish to.
Interest free credit cards are a great option for those running into high debts. Since, you can get an opportunity to pay back your debts without mounting any more of them. But do not let the concept of interest free credit cad pile up your debt any further. Within that interest free period you have to repay your outstanding amount within the stipulated period. The best way to find the interest free credit card is to go for a detail market research, seeking all the avenues available for the information and then go for any credit card.
Joseph Kenny is the webmaster of the UK credit card comparison site http://www.creditcards121.com/, where you can find a selection of interest free credit cards. For US visitors there is also the comparison site http://www.credit-cards-info.com/ for all US interest free offers.
Article Source: http://EzineArticles.com/?expert=Joseph_Kenny
http://EzineArticles.com/?What-Are-Interest-Free-Credit-Cards&id=83765
Friday, September 17, 2010
How to Make Money Posting Links on Google
By Court Tuttle
An interesting topic that a lot of people are learning about right now is how to make money by posting links on Google. The basic idea is to get your articles and websites listed in Google's search results so that people can find them. Obviously you can push a ton of traffic to your site this way and if you can do that, you can turn it into dollar bills.
Since I work as a marketing consultant, I'm often teaching people and companies how to make money using the Internet. In the last few months, a few programs have come out that are supposed to teach people how to make money by posting links so I thought I would offer an explanation about what they're teaching.
There are two basic groups that are using this wording to get people to buy their products.
The first group is pitching an educational product that teaches people how to make money by publishing Google-sponsored links. These links are called AdSense and can be placed on any web page that you have ownership of.
The second group is trying to sell a product that simply teaches people how to get their sites listed in Google.
In all reality you actually need to learn both methods to be able to make money by posting links. The reason for this is pretty obvious if you think about it. You need traffic to click on your sponsored links.
What people are doing is creating websites that are designed specifically to provide solid information and because of that, they rank well in Google and get traffic. They then provide Google's sponsored links and get paid for the clicks that their sites generate. This is the real way you can make money by posting links on Google.
There are people that makes thousands and even tens of thousands of dollars per month using this method.
Court teaches people how to make money online at The Keyword Academy.
Article Source: http://EzineArticles.com/?expert=Court_Tuttle
http://EzineArticles.com/?How-to-Make-Money-Posting-Links-on-Google&id=2101250
An interesting topic that a lot of people are learning about right now is how to make money by posting links on Google. The basic idea is to get your articles and websites listed in Google's search results so that people can find them. Obviously you can push a ton of traffic to your site this way and if you can do that, you can turn it into dollar bills.
Since I work as a marketing consultant, I'm often teaching people and companies how to make money using the Internet. In the last few months, a few programs have come out that are supposed to teach people how to make money by posting links so I thought I would offer an explanation about what they're teaching.
There are two basic groups that are using this wording to get people to buy their products.
The first group is pitching an educational product that teaches people how to make money by publishing Google-sponsored links. These links are called AdSense and can be placed on any web page that you have ownership of.
The second group is trying to sell a product that simply teaches people how to get their sites listed in Google.
In all reality you actually need to learn both methods to be able to make money by posting links. The reason for this is pretty obvious if you think about it. You need traffic to click on your sponsored links.
What people are doing is creating websites that are designed specifically to provide solid information and because of that, they rank well in Google and get traffic. They then provide Google's sponsored links and get paid for the clicks that their sites generate. This is the real way you can make money by posting links on Google.
There are people that makes thousands and even tens of thousands of dollars per month using this method.
Court teaches people how to make money online at The Keyword Academy.
Article Source: http://EzineArticles.com/?expert=Court_Tuttle
http://EzineArticles.com/?How-to-Make-Money-Posting-Links-on-Google&id=2101250
No Cost" Refinancing Can Be Costly
By Sarah Dinkins
With mortgage rates on a steady fall, homeowners are increasingly refinancing current mortgages. The reason behind the declining mortgage rates is said to be the belief that the Federal Reserve is resisting to hike short-term interest rates this year. The endless flow of refinance applications has completely overwhelmed loan officers and brokers.
Low Rates Boost Refinancing
With refinancing such a rage, it makes you wonder the kind of savings homeowners are managing and the appeal of refinancing in the current situation. Most homeowners seizing the opportunity are switching from thirty-year mortgage to fifteen year mortgage and saving tens of thousands of dollars over the loan duration. Many applicants are surprised to learn that there is no drastic increase in payment, yet the payoff is cut to half while saving thousands of dollars. Those not qualifying for fifteen year mortgages are still refinancing at lower interest rates, choosing to use the bi-weekly payment facility to pay off loans early but still save thousands in interest.
The mortgage amount and the rates of interest determine the extent of savings by homeowners refinancing at lower rates and changing to 15-year plan. A 30-year mortgage for $150,000 with 8 percent interest rate will work out to monthly payments of around $1100 per month and in the course of the loan period the payments add up to almost $250,000 in interest. The same homeowner can take the same mortgage amount over a 15 year mortgage period, refinancing it at 5.5 percent interest rate, with monthly payment of about $1225, just $125 more per month over the thirty year mortgage and complete payment of mortgage in half the time with $175,000 saved in interests. This explains the reason for the increasing number of people approaching lenders for refinancing homes. The larger the mortgage amount and higher the original interest rate, the higher the amount that is saved.
No Cost Has Costs
Taking the big picture into consideration, some no cost refinancing can actually cost quite a lot but the costs are not easily visible. No cost financing mostly requires you to pay up to 5/8 a point more in interest than with a full cost loan. There's no reason for you to apply for these no-cost refinancing advantages if your current interest rate is far lower than the current no cost refinancing rates. This financing option is worth considering in case you plan to be at home only for a period of one to three years.
But if unsure about how long you are going to be home, it still makes sense to go for a no cost loan. If you end up staying home for a long period, you can refinance at a later date. Borrowers contemplating no cost refinancing due to inability to afford refinancing costs, need to try harder. Often refinancing enables rolling costs of refinancing into the loan, making it possible for you to refinance without requiring a large sum of money up front.
But if you decide on no cost refinancing, ensure there are no hidden costs in it. A no cost loan does not require lender fees or settlements, which the lender pays for without affecting the cost of your loan. Nevertheless, there are some lenders that transfer the costs to the borrower by charging higher interest rates. So, make sure to compare different offers before closing any deal.
Sarah Dinkins is an Expert Loan Consultant in the financial industry that helps people to repair their credit and get approved for home loans, unsecured personal loans, student loans, consolidation loans, car loans and other types of loans and financial products. At http://www.badcreditfinancialexperts.com/article/ she is continually adding new finance articles useful for those in need of professional advice.
Article Source: http://EzineArticles.com/?expert=Sarah_Dinkins
http://EzineArticles.com/?No-Cost-Refinancing-Can-Be-Costly&id=367590
With mortgage rates on a steady fall, homeowners are increasingly refinancing current mortgages. The reason behind the declining mortgage rates is said to be the belief that the Federal Reserve is resisting to hike short-term interest rates this year. The endless flow of refinance applications has completely overwhelmed loan officers and brokers.
Low Rates Boost Refinancing
With refinancing such a rage, it makes you wonder the kind of savings homeowners are managing and the appeal of refinancing in the current situation. Most homeowners seizing the opportunity are switching from thirty-year mortgage to fifteen year mortgage and saving tens of thousands of dollars over the loan duration. Many applicants are surprised to learn that there is no drastic increase in payment, yet the payoff is cut to half while saving thousands of dollars. Those not qualifying for fifteen year mortgages are still refinancing at lower interest rates, choosing to use the bi-weekly payment facility to pay off loans early but still save thousands in interest.
The mortgage amount and the rates of interest determine the extent of savings by homeowners refinancing at lower rates and changing to 15-year plan. A 30-year mortgage for $150,000 with 8 percent interest rate will work out to monthly payments of around $1100 per month and in the course of the loan period the payments add up to almost $250,000 in interest. The same homeowner can take the same mortgage amount over a 15 year mortgage period, refinancing it at 5.5 percent interest rate, with monthly payment of about $1225, just $125 more per month over the thirty year mortgage and complete payment of mortgage in half the time with $175,000 saved in interests. This explains the reason for the increasing number of people approaching lenders for refinancing homes. The larger the mortgage amount and higher the original interest rate, the higher the amount that is saved.
No Cost Has Costs
Taking the big picture into consideration, some no cost refinancing can actually cost quite a lot but the costs are not easily visible. No cost financing mostly requires you to pay up to 5/8 a point more in interest than with a full cost loan. There's no reason for you to apply for these no-cost refinancing advantages if your current interest rate is far lower than the current no cost refinancing rates. This financing option is worth considering in case you plan to be at home only for a period of one to three years.
But if unsure about how long you are going to be home, it still makes sense to go for a no cost loan. If you end up staying home for a long period, you can refinance at a later date. Borrowers contemplating no cost refinancing due to inability to afford refinancing costs, need to try harder. Often refinancing enables rolling costs of refinancing into the loan, making it possible for you to refinance without requiring a large sum of money up front.
But if you decide on no cost refinancing, ensure there are no hidden costs in it. A no cost loan does not require lender fees or settlements, which the lender pays for without affecting the cost of your loan. Nevertheless, there are some lenders that transfer the costs to the borrower by charging higher interest rates. So, make sure to compare different offers before closing any deal.
Sarah Dinkins is an Expert Loan Consultant in the financial industry that helps people to repair their credit and get approved for home loans, unsecured personal loans, student loans, consolidation loans, car loans and other types of loans and financial products. At http://www.badcreditfinancialexperts.com/article/ she is continually adding new finance articles useful for those in need of professional advice.
Article Source: http://EzineArticles.com/?expert=Sarah_Dinkins
http://EzineArticles.com/?No-Cost-Refinancing-Can-Be-Costly&id=367590
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