Which Credit Card Offer Is Right For You?
Let's face it - searching for the right credit card can be intimidating. There are so many different card providers, each with a different APR; Fees; and Rewards program. How can you know which one will be right for you?
Fortunately, there are a lot of resources available to help you get started. The first step would be to decide what type of card do you need. Generally, you can break the card types down into three categories: Low Interest Rates; Rewards; Building Your Credit.
Get Your Free Credit Report
The rates and/or offers associated with these cards will be dependent on your credit score. This is something you should research before you start shopping for the right credit card for you. Federal law entitles you to one free copy of your credit report each year from each of the three main credit reporting companies: Equifax; Experian; and Trans Union.
Choosing Your Card Type: Low Interest Rates
The APR (Annual Percentage Rate) will make a big difference in the amount of interest you pay on any balances you keep on the card each month. Over an extended period of time, this can really add up. If you are planning to transfer a balance from another card or if you plan to . . .
Invest In Your Future
Unless your are "Flat Stanley", there is more to you than meets the eye - you've got depth! So when you look to invest in your future, you will want to think of the whole picture.
Mind / Wallet / Heart
Nowadays, it is so easy to continue learning online. You can get ambitious and begin taking college courses or keep it simple and stay up to date on your industry and area of expertise. Want to know how to fix your dishwasher or start playing guitar? By doing a little research you can quickly get up to speed.
Learning online is flexible and easy to accomplish at your own pace and at a lower cost than it would have even a few years ago. Your next classroom could be the coffee shop or your bedroom. You can start and stop around your schedule so that your family and personal life doesn't have to suffer.
As you tune up your mind and skillset, you will quickly learn the old maxim that "money doesn't always buy happines", but I know from personal experience that it does come in handy. So don't just upgrade your intelligence, also upgrade your finances.
Want to know your credit score? It's easy and in many cases . . . it's free. Knowing your credit history is the first step in lowering your costs and planning for your future. As you plan, you will want to start not only saving for that next vacation, but saving for the ultiimate vacation - retirement. Yes it seems like decades away, but by being smart and saving as you go, you can experience the power of compounding growth rates by taking full advantage of either your company's 401K plan or an individual Roth IRA. Hey, if your company matches part of your 401K contribution, you would have to be crazy not to take the "free" money!
So now, you have enhanced your mind (knowledge is power) and fattened your wallet (always nice to have a safety net), but you are still sitting on the couch . . . why. Get moving!
Your health is a lot like your credit score - it's simple math. There are a number of Apps that will help you either count your steps or count your calories. If you want . . .
Best Telecommuting Jobs
Looking for the perfect commute? More and more people are finding it through telecommuting. Working from home, either one day a week or everyday, can be a great option for millions of Americans.
Not every job can be "remote". However, more and more companies are finding that in order to get the right people with the talent and skills they need, a certain amount of flexibility is required.
With more households requiring two incomes, working either part-time or full-time at home can be the answer to the flexibility we all need. Certainly there could be some trade-offs; telecommuting jobs may, or may not, pay as well as the traditional jobs.
However, there are a vast number of people already working from home and more are joining them every day. Some jobs may require additional equipment like a computer and a high speed internet connection and others may require a small amount of local travel (real estate agents, insurance agents, etc.).
If you are thinking about working from home, here is a list of growing jobs that . . .