Choosing the right credit card to avoid debt management troubles

By Bobbie McKee

Credit cards are considered as a blessing to those who can use it properly. But to those who are having debt management problems because of undue usage of credit cards, it can be an excruciating curse because it can also give you a bad credit history if you don't use it well.

In order to avoid debt management problems, people must know how to choose the right credit card for them. The following tips can help you choose the right credit card, which can veer you away from debt management problems. If you are getting your first credit card or you would want to avail of another, you must always:

- Consider interest rates. In most credit cards, interest rates come as "fixed-rate" or "adjustable rate". If you opt not to choose low APR credit cards, you may consider choosing fixed rate credit cards. Many people-especially those who pay off their balance monthly or those who only use cards for small purchases-opt to use cared that has a fixed rate. Even if the rate is a point or two higher than the usual, it ensures that they can pay off their loan quickly without even noticing the difference.

- Conduct an extensive research on credit card fees, transaction fees, and other charges. Fees can be considered one of the bloodlines of most credit card companies. Since numerous companies are infamous for charging their clients fees that add up quickly, one should make sure to check the fees section of the credit card disclosure section before fully indulging into it. Some of the known fees collected are annual fees and cash advance fees.

- Check the length of "grace period." The term "grace period" or "interest-free time" refers to the amount of time between the date of a purchase and the date interest starts being charged on that purchase. Majority of credit cards offers a standard grace period, which means that as long as the person pays for his/her bill monthly, there will be no finance charges. Since not all credit card companies offer a grace period, be careful not to choose them because they might charge interest immediately on every purchase you make.

- Avail of other benefits. Aside from convenience, other the additional benefits when one applies for a credit card include insurance, credit card protection, discounts, rebates and special merchandise. Other benefits also include rewards programs that lets you earn points that can give you cash back, free gas, gift certificates and free plane tickets. Before choosing the right credit card for you, you must consider whether or not these offers can make positive impact on your financial management.

- Take note of the credit limit. Basically, credit limit is defined in dollars as the total amount of credit a credit card holder is authorized to use. Apart from clearly identifying credit line and the size of the credit line, credit limit encourages and helps the holder to decide how reliable he/she can be when it comes to paying on time and keeping him/herself under the card's limit.

- Make sure to understand all necessary and additional terms. While it is very important for you to identify first your credit card needs, it is equally important for you to understand almost all the underlying terms in credit card application and acquisition such as "amount due," "minimum monthly payments," and "prime rates" because many people are having a hard time managing their debt because they did not take time to fully understand these simple terms and its underlying conditions.

About the Author:

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How to Utilize Billboard Advertising and Outdoor Advertising

By Aaron Morgan

Implementing a successful outdoor advertising campaign is no different from implementing any other kind of marketing campaign: marketers need to identify their targets demographically and geographically and isolate those groups' main driving routes.

By looking at a variety of different cases it will be easy to see the ways in which billboard advertising has been instrumental for marketers wanting to make an impression on very specific target markets.

A tae kwon do dojo was wanted to increase the number of students by marketing to wealthy parents. Approaching placement with the top-of-mind rule that for every type of person that drives, there is an appropriate billboard advertising location to reach them, the studio picked a few spots traveled by suburban commuters to the downtown. They were also, coincidentally, placed near the exits to major shopping centers that are frequented by stay-at-home moms. By placing the ads in front of busy moms and commuting fathers, the dojo was able to target a population that was likely to have children and likely to have money to spend on the classes.

A music school for young children wanted increase the number of enrolled students and decided it would target wealthy parents of highly-achieving students. As the billboard advertising location to reach those parents, the music school selected several billboards near exits to shopping centers, which were also along major suburban commuter routes. By placing those ads near where busy mothers would shop and along the routes of commuting parents, the school effectively targeted busy and wealthy parents of both sexes.

A major supermarket chain was looking to improve its price perception with the Chicago population that frequents other discount stores just outside the city. By implementing an outdoor advertising campaign along the routes nearby the highway exits to and entrances from its major competitor, the chain was able to announce its new price guarantee and a list of everyday low price items. In this case, the target market was a competitor's customers, and the campaign was able to help the marketing department reach that demographic effectively.

With the advent of internet advertising, many people don't remember that *all* effective advertising is targeted.

Drivers to and from certain locations have a lot in common.

When marketers can isolate their target market, it is easy to put into place good outdoor and billboard campaigns that convert drivers into customers.

About the Author:

The Author is a consultant for billboard advertising and writes a weekly article on to best capitalize on your outdoor advertising effectiveness.

Liability Truck Insurance Coverage

By Steve Turner

Protection for the truck driver and against loss of the truck or cargo is obtained by carrying Truck Insurance coverage. In the long run the insurance premium costs are cheaper than having to replace your truck or cargo if they are lost or damaged in an accident. Having sufficient liability coverage will help to protect you in that situation.

Federal law requires all truck drivers to have liability coverage. Besides being legally required, liability coverage also gives the driver protection against the expenses to repair the truck and cargo after a collision.

There are numerous types of liability coverage. For example, particular types will cover damages and injuries while you are in the truck, yet others cover these expenses even while you are away from it.

Have you checked to see if your truck insurance policy has cargo coverage? To avoid being financially responsible for replacing any damaged or stolen cargo you should ensure that your cargo is insured.

Many insurance providers may be cautious to insure merchandise that is often stolen. If you frequently transport these types of materials, your premiums will be more expensive but it will still be cheaper than having to replace the whole load because to a loss.

When applying for truck insurance coverage you will be asked what the value of your truck is. Make certain that you are honest and do not overvalue your truck because it will cause your premiums to be higher than it really needs to be. Likewise undervaluing is also unbeneficial because then your policy will only cover up to that amount even if your truck is worth more.

While you are searching for your coverage, surely obtaining the best price is a big concern. The best way to find the most affordable price is to do comparison shopping by requesting quotes from numerous insurance providers.

About the Author:

Steve Turner knows how to assist truck drivers to locate the best possible Truck Insurance coverage. Truck Insurance Coverage Steve Turner knows that there is numerous facts that may be hard to comprehend when drivers are trying to purchase adequate Truck Insurance policies. Truck Insurance Policy