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Best normal apr rates

This article is actually about a subject that I felt I needed to research for my own good. Now that I'm making money online in marketing I thought that it Rewards credit cards would be a good idea to learn some investment strategies.

At the very least, find out what types of investments there are, so this articles is kind of a beginners’ tutorial on investments. I'll go into more detail of each type in later articles. The one thing I did know about investments even before doing this research is that investments can be relatively safe, very risky or somewhere in between. And as with anything in life the bigger the risk the bigger the reward. Let's face it, you're not going to get a 50% ROI by putting money into a savings account. Right now mine is earning about 1.5% interest. Pretty pitiful if you ask me. That's not investing. That's just letting your money rot away in a vault.So let's see what basic types of investments we have.For starters you have bonds. These are also called "fixed income" securities. The reason that they are called this is because the income you get from bonds is fixed. You invest a certain amount in the bonds you purchase and after a certain amount of time, when the bonds mature, you get a certain return. You're basically lending out your money to the government and they are paying you back with interest at a later date. Bond investment is relatively risk free. Therefore the return you get is pretty low.Then there are stocks. And let me tell you, there are more stocks out there to invest in than Carter has liver pills. Just check with the NYSE to see how many stocks are actively being traded. Stocks are much riskier than bonds. A stock can sell for $5 a share one day and drop down to $1 a share the next day. Imagine investing in 1000 shares. You would have lost $4,000 in just one day. Conversely stocks can give you a big best normal apr rates windfall literally overnight. The key to stock investing is to get a good broker who knows the market. And don't worry, he WILL have your best interests in mind because he wants to make money too, as he gets a percentage of any gain you make on the stocks you invest in.Then you have your mutual funds. Mutual funds are a collection of stocks and bonds put together in one portfolio. When you buy into a mutual fund you are actually throwing in your lot with a bunch of other investors. The theory behind mutual funds is that the diversification of investments best apr normal rates will help prevent Rewards credit cards against any great loss on the investment as a whole. My wife's IRA is actually part of a mutual fund that so far is doing very nicely. So these are relatively safe, though a little riskier than bonds alone.And then finally you have what they call alternative options which include options, futures, FOREX, gold, real estate, etc. I'll go into these in detail in future articles.Investing is no longer a luxury, it's a necessity. best normal apr rates With the value of the dollar constantly going down the only way to provide for your future normal apr best rates and your retirement IS to invest. If you think I'm kidding, in 1965 a gallon of gas was 32 cents. It's now up to over $3 where I live. No, a dollar isn't worth what is used to be worth.What's the answer?Invest.Just don't lose your shirt in the process.2

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What is happiness? The most ambiguous question posed in the universe apart from "What is love?" is often associated with this question regarding money and whether the more you have the happier you will be. Well, can it? Is happiness for sale? Is there a store at the local shopping centre that trades happiness for some of your hard-earned cash?

Wikipedia define happiness as;

Happiness, pleasure or joy is the emotional state of being happy. The definition of happiness is one of the greatest philosophical quandaries. Proposed definitions include freedom from want and distress, consciousness of the good order of things, assurance of one's place in the universe or society, inner peace, and so forth...

The first proposal in Wikipedia's definition regards this very question, "...freedom from want and distress..." So, if money can free you from want then surely it must be able to buy you happiness! Right?

Financial freedom is the state most people chase. The ability to pay your own way with everything without ever having to check the credit card statement in fear and trepidation.

It's why we set up pension funds, play the lottery, spend more time working than we do playing with our kids. We hope to one day be independent of a boss, of a budget, of any constraint that could limit our desire to be happy. To spend whenever we had the inclination.

Okay. This is just frivoluous spontaneity. It bursts onto the screens of our life for a short time and as quick as it came it goes. That's a shallow expectation of happiness. I want happiness that survives time. Can money buy that?

If money can buy happiness, how much would I need and how much happy would it make me? I earnt a couple more dollars this month on my Adsense account but it wasn't even a blip on the happiness radar. So how much would I need?

John Silveira's article "Money can buy happiness" says this...

How much do the experts say is enough? In a study conducted by Andrew Oswald and Jonathan Gardner at the University of Warwick, in Coventry, England, they discovered about 1.5 million tax-free American dollars moved most people into the top 2% on the happiness scale. Their study also revealed that, at the low end of the scale, each $75,000 moves one between 1/10 and 3/10 standard deviations (which is a measure of how statistical data is spread out) up the “happiness” scale.

I know John has a lot of statistical evidence showing that perhaps money CAN buy you happiness but for me the jury's still out. I know a lot of people who earn less than A$20K per year who are happier than some with dual incomes earning A$100K per annum.

I think it has more to do with contentment and self-identity than it does with the amount of money you have or earn. If you're striving to have more money and know that you're not making it this will lead to all sorts of anxiety issues which will deprive you of happiness.

Maybe learning to be content and set achievable goals for our money is a key to happiness?

While most financial guru's recommend avoiding bankruptcy, some people discover that filing for chapter 7 or chapter 13 is their only alternative. Bankruptcy is extremely damaging to your credit. For the next seven to ten years, you can expect to receive ridiculously high interest rates on homes, cars, and personal loans. Fortunately, there are steps you can take to better your chances of getting a good rate. To begin, you must select the right lender.

Difference Between a Good Mortgage Lender and a Bad One

Mortgage companies are in the business of making money. Thus, they do not always have your best interest in mind. If you have poor credit or a recent bankruptcy, some lenders are reluctant to offer you a mortgage refinance. The lenders that do offer refinancing for poor credit applicants may add extra fees and a higher percentage. The goal is to boost their profit.

A good mortgage company will not take advantage of you. Instead, they will carefully review your situation, and offer the best rates possible. Of course, your refinance rates will be higher in comparison to an applicant with perfect or good credit. Still, a recent bankruptcy does not justify an interest rate that is 6 or 7 percent above the current rate.

Choosing a Lender to Refinance Your Mortgage Loan

When choosing a lender to refinance your home loan following a bankruptcy, you must be prepared to conduct your own research. Before applying for a refinancing, visit online websites and find information about the current mortgage rates being offered to individuals with bankruptcies or poor credit. This way, you can make your own comparisons.

Next, you should apply for a refinancing with your existing lender. If you have maintained a good payment history with this lender, they may be willing to refinance your mortgage with a low rate. You may select any mortgage lender. However, because you have not established a history with these lenders, they may consider you a risky applicant and refuse to offer you a new loan.

Getting Approved with Sub Prime Loan Lenders

If your existing mortgage lender and other traditional mortgage companies deny your application, you should submit an application through a mortgage loan broker. Brokers have access to many home loan financing companies. These include sub prime lenders who offer loans to people who cannot get approved through a bank or traditional mortgage company.

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