Blog Reviews
A Quick Guide to Credit Card Basics
Credit cards are a double edge sword. They can help make your life a financial heaven and hell depending upon how you use them. Following are some tips on using your credit cards wisely. The benefits of using your credit card wisely include but not limited to cash back, bonus points, airline miles and at best a great credit score. On the other hand if you decide to use them in an unwise fashion, you might end up in a mountain of debt.
Rule No. 1 is to pay off all you balance every month. You will have to pay interest on your spending if you don’t do that and that interest rate is very tricky. It takes a lot of discipline to pay back balances on time. According to a recent report by Federal Reserve, Almost 40% of all house holds in America carry a substantial amount of credit card debt.
Protect Your Credit Score
Make all your payments before the date they are due. Late fees can pile up quickly as they are around $20 - $50. If you miss more than two payments that will automatically increase your interest rate to “Default Rate” (around 24% to 30%) . Late and missed payments also lower your overall credit ratings. That can trigger interest rates on other loans to go up as well as getting soft loans in future impossible.
Only Keep the Cards You Need
Most of industry experts recommend that you should carry at least 2 and at most 6 credit cards. Stay in this range. If you apply for lots of cards that will damage your credit score. Similarly, closing many cards at the same time will also hurt your credit score. So better safe than sorry.
Excitement of getting your first Ad-Sense Payment
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You may make thousands of dollars out of blogging but the excitement and the joy that you get from that first $100 Google payment is unbeatable. Its like sex, the first time you do it… it never feels like that again…. never.
These feelings are mutual between all bloggers trying to make money out of blogging. During recent hangout on blogcatalog I came across this passionate blogger from Malaysia. Here is an excrapt of one of his blogs.
Thank you Google Inc for the money. It took me 12 month to reach my first 100 dollar. :). After reading a lot of forum and e-book, maybe I can shorten that.
I didn’t realize the payment was ready until someone asked me about my payment. When I checked may payment history, the money has been bank in to Western Union Quick Cash on 23rd June. I thought it was going to be next month.
Anyway, the funny thing was, I wrote my wife name as the authorised user. Meaning I cannot cash it out, so I have to ask my wife to do it. You know, she was really excited since a lot of people still have no idea how to make money online especially using blog here in Malaysia.So you know she can bragg about it :). (Actually, when I put her name, I did not think that one day I could make it to 100 dollar mark, so that is why ) But anyway…..
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Escaping the Rat Race…Story of a struggle
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She is young, energetic and full of life. She deserves a better life, she knows that and she is working toward that… And believe me she is working hard at it. still she gets time to blog about it. Its a story that each one of us can relate to..
Mercy Accra, Ghana
I’m all about the good life.
Mercy is a 27 year old blogger I came to know about from blog catalog. she is from Ghana and runs 2 blogs, one personal and the other about tourism in Ghana. Her personal blog is most interesting and a treat to read. I could not stop myself and read whole of it. she has excellent writing skills. Who know you would be reading the blog of a future novelist. Following 2 Articles are a must read…
Well done mercy.. keep it up.
Measled Potatoes! (Extream Blogger)
Mantiz, a 20 year old student from Kerala, India. Who has a passion for writing, music, and all things technology. He also play guitar for a small-time with a metal band.
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I think, therefore I am dangerous (Blog Review)
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- Sara Abdel Azim, An Egyptian, Digital Media Engineering & Technology student at the German University in Cairo, currently doing her bachelor thesis in Stuttgart, Germany. She really has Diversified in interests and thoughts. that she is consistantly conveying throughout Her blog.
