-
Select the Card for You
Select by Type of Card:- Gas Rebate Credit Cards
- Airline Credit Cards
- Balance Transfer Cards
- Business Credit Cards
- Cash Back Credit Cards
- Instant Approval Cards
- Low Interest Credit Cards
- Prepaid & Debit Cards
- Reward Credit Cards
- Student Credit Cards
- Select by Credit History
- Select by Bank
- Friends
- The Consumerist
- Credit Card Watch
-
Recent Reviews
- Credit Room: addressing personal finance issues for women
- Use Less Miles And Fly More Often.
- Election 2008: the day after
- Congratulations Mr. Barack Obama
- Today November 4, 2008: you can make a difference
- Save money, be healthier, and be friend with the environment
- Money spending psychology
- November 4, 2008: You’ve got a date!
- Why we love Jim Cramer
- Financial Weapons of Mass Destruction
Top Rated Premium Offers
Discover More Card 
-
Admin
Credit Room: addressing personal finance issues for women
Share with a Friend
Ever wonder “What if there was a personal finance web-source devoted to women, powered by women?” Finally, there is: CreditRoom.com!
Credit Room is a first grade personal finance source, with the extra bonus of being geared toward the needs of women, providing consumers with the most up-to date and detailed facts regarding credit cards deals, latest news, and useful articles to help women take control of their personal finances and stay up to date with new developments in the industry and new tools available to them.
The all-women management of Credit Room takes pride in always being on the forefront of what’s new in the world of personal finances, and selecting the relevant news and best products that fit their mission to inform and empower women with their finances. For instance in their ezine section you’ll find articles on identity theft, housing credit, retirement, and many others.
Visit and Bookmark CreditRoom.com today, it will become your source for Visa credit card offers and much more.
|
|
___________
Photo Credits: Angela 7 Dreams
Use Less Miles And Fly More Often.
Share with a Friend
It can be quite disheartening to apply and qualify for an airline credit card only to discover later that it takes an eternity to actually accumulate enough miles to purchase a ticket. What point is there in endeavoring to use one card for all your purchases just so you can get a free airline ticket when it takes years to do so? Really, there is no point to that which is why the WorldPerks Visa Signature Card is a tremendous opportunity for someone is looking to garner free airfare.
The best feature of this card is that you can redeem award airfare tickets for as little as 19,000 miles. That is really quite low considering that you can receive 20,000 bonus miles just for qualifying and receiving this credit card. You get a free ticket right off the bat! However there are a plethora of other benefits that come with this credit care. You receive double miles for purchases direct from Northwest Airlines and there is no cap on the miles you can earn. You can also redeem only 10,000 miles up to six times a year for a $100 discount on a Northwest Airlines ticket.
Another excellent benefit which is free with this card but costs non cardholders $135 a year is membership in the Hideaways Aficionado Club. This membership allows you to enjoy VIP perks at many different hotels, resorts and cruises all for absolutely no cost. And when you are vacationing you know that you’ll need to rent a car. Use this credit card to secure your car rental and get a free day on any 3-day weekend rental from National Care Rental. The WorldPerks Visa Signature Card truly rewards its owner with a bounty of benefits.
___________
Photo Credits: Tvol
Election 2008: the day after
Share with a Friend
The day after Election 2008: So now what?
That’s what a lot of people are asking themselves this morning, now that the uncertainties of the election is out of the way, Obama is the Preseident Elect, and the Obama’s and Bush’s transition teams are working together to assure a smooth transition, and the Obama-Biden team are recruiting additional team members to lead and manage this wonderful country.
What about you and your situation? You surely cannot ask for help directly to either G.W. Bush, or to Barack Obama. They actually need your help, they need your help keeping the morale up, trust the political and financial institutions that once again prosperity will return to the US soil. If there something that most people have learned is that things are back to basic, wise use of credit, well thought out plans for important decisions like buying a home, a car, or a major appliance; carefully screening of financial advisors and more realistic investment strategies and expected returns.
If you have consumer debt: have a plan to pay it off as soon as possible.
If you have a house with a mortgage: have a plan to pay the mortgage off, sooner or later. If you need to refinance, do so, a home is a long term asset, and a necessary one if you can afford it. Make a plan to eventually pay off the mortgage.
If your financial situation is challenged, take matters into your own hands with a two-prong strategy:
- Cut your expenses.
- Increase your revenue: get a second job if you have to, or a third one. Clean up your attic and basement and sell all the stuff that you have and no longer use. If you don’t have time, and if eBay or Craigslist is not for you, consider donating your items to charity, and take the tax write off. Consult your tax advisor on that, and remember to get a receipt from the charity for your non-cash donation.
Start or continue saving: no matter how little you think you make, someone else down the street makes do with less than you have: simplify your life, eliminate expenses, cut down on your spending. There’s no alchemy math: living within your means is the new luxury.
___________
Sponsored by:
Photo Credits: Maria Leisa (cc)
Congratulations Mr. Barack Obama
Share with a Friend
Making History! Barack Obama, you are the 44th President of the United States of America. You promised change, and the American people have entrusted you with the mission that you have selected to carry forward. This victory is just the beginning, all the citizens of this great country are behind you, eager to do what it takes to celebrated many more victories.
Again, congratulations Mr. President.
___________
Photo Credits: Transplanted Mountaineer (cc)
Today November 4, 2008: you can make a difference
Share with a Friend
Today’s Election Day 2008: on this day you can make a significant difference for yourself, your friends, your family and the entire country. In the 2000 election, 537 people decided who was going to be President, and changed the course of history, ask Al Gore.
Exercise your right to vote, the two candidates for the next President of the United States of America have different views on a variety of highly important and crucial issues, and each one of them will affect your life for the next 4 years, and might set the course of trends for years to come.
Regardless of your political views and your choice of candidates, we invite you to go and vote, this is likely to be a close election, your vote and every vote matters.
Make a difference, vote!
Click here for related articles
___________
Sponsored by:
|
|
Photo Credits: DC John (cc)
Save money, be healthier, and be friend with the environment
Share with a Friend
Recession or no recession, some ideas are great ideas no matter what the economic climate or your personal financial situation is. Today our money saving tip objectives are:
- save you money;
- simplify your life;
- make your house a healthier place to live in for your and your family, especially if you have kids;
- make the entire planet a better place to live in.
If you were to count how many cleaning products you have in the house, from kitchen cleaners to glass cleaners, how many different products do you have? If you are like the average US household you have 27 different cleaning products. How much do those 27 different cleaning products cost you in the span on one year? Hundreds of dollars for sure.
If you really want to get scared, how many of those products are ’safe’ in the sense that they have no consequences if touched or ingested? Picture your kitchen countertop and the warning label on the cleaning product you use to clean it: chances are that sooner or later someone will place a sandwich on that very same countertop: what are you feeding your family?
We are not suggesting you to become and alchemist with a cauldron and make your own soaps, or set up a chemical lab in your basement; Karen Logan has done the work for you, and has put together what we call a recipe book for making your own natural and safe cleaning products for your house, using easily available ingredients like vinegar and lemon juice. Her Clean Home Clean Planet book is a must for everyone either concerned about saving money or living healthier or both, and simplify one’s life in the process.
 |
 |
As a segue, you might want to discover Dr. Bronner’s Magic Soap, used extensively by Karen in her book. Dr. Bronner’s Soap is a truly magic product, it is a ‘true’ castile soap, made with natural plant-based ingredients. It is versatile and can be uses as a body soap or shampoo, and it is such a great product that a movie was made about the product and the the founder: Dr Bronner’s Magic Soapbox, a documentary about obsession, compassion and all-purpose soap.
___________
Sponsored by:
|
|
Photo Credits: stephcarter (cc)
Money spending psychology
Share with a Friend
In today’s way of living, most people don’t consider charging something to their credit card as having spent the money; they only look at their minimum monthly payment as the way they spend money. To make matters worse they consider the credit cards’ monthly payment a given, just another monthly payment at the same level as the electrical bill, water bill, rent, phone . . . a utility of some sort. This habits leads to the misconception, helped by many years of advertisement, that the sticker price is not as important as the monthly payment.
For instance, take the process of buying a car, car A has a price of $17,000 and can be financed for $390 per month for 48 months (4.74% interest), while car B has a price of $20,000 and can be financed for $331 per month for 72 months (5.99% interest). Most buyer will disregard the price of the car, the interest rate on the loan (interest rate = the price of money), and the length of the loan and look solely at the monthly payment, buying car B because it has a lower monthly payment. In reality Car B will have a much higher TCO (Total Cost of Ownership), since a higher priced car will surely translate into higher costs such as sales tax, excise tax, insurance cost; and generally speaking, higher priced cars have higher maintenance costs, and higher gasoline consumption.
The correct way to look at these transactions, is that once you charge something, or have signed the car loan documentation, you have indeed consummated the transaction; you’ve bought the car or the TV, and now you have a loan servicing agreement with the credit card company or the auto loan lender. Think of it as two separate events: in the first event you were given money in your hands (in exchange for the loan), in the second event, you have turned around that cash and given it to the seller of the car or the seller of the TV. Soon you’ll forget the excitement and novelty of the new car or the new TV, but you are stuck with the loan payments for a very long time.
The “I already paid that off” syndrome. Once you get into the game of revolving balance on your credit cards, whether you transfer from one card to another, or pay it off using a home equity line of credit, is is a condition, that persists until your total consumer debt is back to zero, as in $0.00. That trip that you took 10 years ago, adding to your pre-existing total balance. If you still carry on consumer debt, you haven’t really paid it off, you’ll never pay off. The rule of thumb is this: is your total consumer debt (all debt except your manageable mortgage, manageable car loan, and in some cases – but not all – manageable student loans) decreasing on a monthly, quarterly, and annual basis? Numbers don’t lie. If you are playing the trick or robbing Paul to pay Peter, moving balances from one card to another one, charging monthly expenses like grocery or gasoline and then rolling over the balance every month in order to pay that 3 month overdue electrical bill, or if – even worse – you take cash advance to pay your rent or mortgage; stop fooling yourself, you are living beyond your means, and you might be in trouble. Stop fooling yourself, and take action to change things around.
The fist step you can take is to stop adding to your existing credit card debt and consumer debt, this includes bank lines of credits. You’ll need to cut your expense. The secret of cutting your expenses is to eliminate as many expenses as possible: do you really need 300 cable channels? Dinner our is not a necessity, nor is take out food. The other addendum to the secret of cutting your expenses is to curtails those expenses that you could not eliminate. When was the last time you bought generic brands at the grocery store? In a blindfolded test, would you be able to tell the difference between the brand name peanut butter and the store brand? Try the blindfolded test on your significant one or your friends, you might actually like the store brand more, and save 30%-40% in the process. How much do you spend in grocery and food in one month? The typical family of 4 spends between $600 and $900 in grocery, dining out, and take out food (including buying lunch) per month. If you are in financial trouble start brown bagging your lunch, eliminate dining out and take out food, switch from buying prepared food to buying ingredients and cook, switch from brand names to generic; this way most family can cut their “food” budget by a factor of 40%-50%, even more in some cases. Could your family use an extra $5,400 per year?
Take a hard look at the choices you make when it comes to money, are they really YOUR choices, or are you being influenced by externalities like ‘everybody does that’, or advertisment? Regain control of your finances and your life, and free yourself from unnecessary debt and habits. It might be the best present you could ever give yourself or your family.
___________
Sponsored by:
|
|
Photo Credits: LyzaDanger (cc)
November 4, 2008: You’ve got a date!
Share with a Friend
Why we love Jim Cramer
Share with a Friend
Besides Jim Cramer’s colorful character, we like his ability to take his vast knowledge of finance and investment, and put it in simple terms that most everyone can understand.
He’s also humble enough to admit when he doesn’t know something, and when he’s wrong.
We also appreciate his transparency in his advice, indeed he manages his charitable trust posting on the web trades and positions according to his own advice.
One of his most colorful statements, that now in retrospect most people see as “right on the money”, is his August 2007 appearance on CNBC where when asked to comment on the Bear Sterns situation he states that “. . . [Bernanke] has no idea how bad things are out there, he has no idea . . .” Watch it for yourself.
Other things you might want to know about Jim Cramer**:
- Graduated magna cum laude from Harvard College in 1977, where he was also president of the Harvard Crimson;
- In 1978, while he was working as a journalist for the Tallahassee Democrat, he was one of the first on the scene after serial killer Ted Bundy attacked four women, killing two of them;
- After Tallahassee he worked at the Los Angeles Herald Examiner as a pot news reporter, covering “basically anyone who died violently in California”. While he was covering a shooting in San Diego for the Examiner, a burglar cleaned out both his home and his checking account. For the next nine months, he lived mostly out of his car;
- In 1984 he earned a Juris Doctor degree from Harvard Law School;
- In 1984 he joined Goldman Sachs as a stock broker;
- After Goldman Sachs he opened his own hedge fund, Cramer & Co. (later Cramer, Berkowitz & Co.), with Eliot Spitzer as one of the early investors;
- In 1996 Cramer co-founded TheStreet.com, where he is still its largest shareholder;
- In the 1990’s he co-hosted the CNBC’s show Kudlow & Cramer with Lawrence Kudlow. Kudlow and Cramer split when Kudlow called Cramer ’sweet potato bull macho’ on the air on October 17, 2002;
- Currently Cramer is the host of the CNBC’s show Mad Money.
___________
Sponsored by:
|
|
Photo Credits: epicharmus (cc)
(**) source: wikipedia
Financial Weapons of Mass Destruction
Share with a Friend
Warren Buffett once called speculation in Financial Derivatives “Financial Weapons of Mass Destruction” and presently the collapse of the markets for CDO (Collateralized Debt Obligations) is blamed for the present state of the World Financial Market and the main reason why you are dreading checking your 401K statement.
CBS’s 60 minutes has a very interesting segment on the issue, that might shed some light into the matter:
___________
Sponsored by:
|
|
Photo Credits: Ethan Bloch (cc)
Credit Card Mojo's Top Pick for Best Deal:
|
|
