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Debbie Dragon's Articles Display Category|Title|Newest|Oldest Purposeful Investing It would be hard to develop a strategy to pay off your debt if you had no idea how much debt you had. It’s just as difficult to develop an appropriate investing strategy if you don’t have a reason for investing. Without a purpose, it’s impossible to make decisions about the type of investments you should invest in, and without a goal- how do you measure your level of success? People invest for a wide variety of reasons. The most common reason people invest is to save fo... Credit Card Fraud How do people obtain your credit card information to make purchases that you might have to pay for? Some of the common ways include: Paying for dinner at a restaurant. Your waitress or waiter takes your credit card with the check for your dinner, brings it to the register and processes the transaction and returns your card with a receipt to be signed. What you didn’t notice when the card was given back to you was it wasn’t even your credit card! Some waiters and waitre... Credit Card Theft Hurts Retailers And Credit Card Consumers Thanks to the zero liability policy offered by most credit card issuers, if your credit card is stolen you’re typically only liable for a very small portion of the unauthorized purchases- if any. Even if a thief charges thousands of dollars on your credit card, a zero liability policy means you don’t pay for it. You’re not the only one affected by your stolen credit card, though. The retailers who accepted the stolen credit card (not knowing it was stolen, of course) los... Securing Online Payments A study by TNS Research in August of 2006 shows that 87% of online shoppers are concerned with credit card fraud and 85% of online shoppers are concerned about identity theft when providing their credit information online. As an online retailer, you must work to gain trust of your customers in order to enable success of your e-commerce business. It certainly won't do if 65% of your site shoppers discontinue their orders before paying because of the check-out process! How d... Preparing For The Unexpected While many people don’t like to talk about it unemployment is something very real that has the potential to be very damaging for the ill prepared. Due to poor planning and denial, many people once unemployed find themselves in a severe financial struggle. Credit card companies are calling them at home, at their old offices, and in some cases contacting them via mail and e-mail. So not only are they being stalked by creditors they are also, more than likely, getting calls of r... Getting Out Of Credit Disaster Mindsets It's no secret why so many Americans are in debt up to their eyebrows. The moment a teenager reaches his or her eighteenth birthday; if not sooner, credit card companies begin sending offers for credit cards. Some of the offers are extremely tempting, screaming promotional and introductory rates of 0% for the first six months, or balance transfer rates designed to help you save money on existing debt. Many first time credit card users are not fully aware of the problems that... Maintaining An Optimal Balance Once solely restricted to the wealthy, now almost any one can obtain a credit card including the most favored, first year college students. It's no wonder then that U.S. consumer credit card debt stood at over $735 billion in 2003 which further breaks down to approximately $12,000 per household for those who elected to carry balances from month to month. While the advertisements of the Visas and MasterCards of the world continue to tout the convenience and ease at which you c... Credit Counseling Agencies: Good Or Bad? There are many different opinions from financial experts and consumers regarding the use of Credit Counseling Agencies in order to help get out of debt. Some will tell you it's the best thing you can do for yourself when you've gotten into uncontrolled debt, while others will warn you to stay as far away from a credit counseling agency as possible. How can you make the decision whether or not to work with an agency or not? Research If you are considering signing with a ... Making Sense Of Your Credit Card Statement Whether you are new to the world of credit cards, or a seasoned veteran, understanding the information in your credit card statement can be confusing. There is a lot of information packed onto a single page, and if you’ve never taken the time to review your statement in detail, it may be a good idea for you to do so. That way you are more likely to notice if there are any abnormalities with a statement that might indicate identity theft or merchant errors. The statement sh... Alternatives To Bankruptcy Many people want to file bankruptcy the moment they realize they are in over their heads, and they feel like there is nothing they can do to get out of debt. Bankruptcy however, should be used as an absolute last resort- after all other options have been thoroughly researched and exhausted. Before making the decision to file bankruptcy, consider each of the following alternatives: • Refinancing • Debt Consolidation • Debt Settlement • Debt Negotiation If after you... Purchase Protection Most credit card companies provide purchase protection insurance for free, as an included benefit of owning their particular credit card. As competition among credit card companies is so fierce, creditors are attempting many different strategies in order to gain and retain loyal customers. Purchase protection insurance is one of the benefits a credit card company may offer that their leading competitor does not- in an effort to gain new customers and keep customers from "goin... Credit Cards And Personal Budgeting When you apply for and receive a credit card, you will want to take the time to create a detailed budget for your family’s finances. Without a budget, and without carefully planning the credit card expenses, you could fall into the credit trap that many individuals have found themselves in. Swimming in a sea of debt that they have no way of getting out of. Having a credit card is a wonderful way to ensure that you have access to funds in the event of an emergency, or for use ... Secured Credit Cards When deciding upon what credit card is the best for you, don’t rule out secured credit cards. In fact, many people are finding secured credit cards to be the best option. Some people choose a secured credit card when they have had credit problems in the past, and obtaining a traditional credit card would be difficult if not impossible. Secured credit cards are great options for teaching your teenagers and college students about responsible financial spending. Secured credit c... Disputing Credit Card Charges Let’s imagine for a moment that you’ve just received your credit card bill in the mail, and you think the only purchase you made with it the previous month was at the gas station. What do you do then, when you find three purchases at Old Navy, and a bunch of other purchases you know you didn’t make? Do you know what rights you have regarding fraudulent purchases on a credit card in your name? How about your rights if you purchased an item with a credit card, but never rece... Frequent Flyer Credit Cards If you are a person who needs to travel often for business or personal reasons, you would probably benefit from using a credit card with frequent flyer benefits. Many airlines are currently offering their own credit cards to help travelers earn money towards travel tickets. Additionally, major credit card companies often have rewards programs in the form of “frequent flyer miles”, or discounts on flight packages, and sometimes even a buy one, get one offer for flight tickets.... Credit Card Security This is the age of plastic money. It's not uncommon for the typical consumer in the western world to go weeks at a time without ever handling a coin or bill. Everything we need is available to us with the simple "swik-swik' sound of a credit card sliding through a reader. Supplies for the office, flowers for the wife, meals and drinks out, and an endless supply of useful products available for sale through the Internet can all be bought with naught a cent to be seen. The ... Prepaid Credit Cards. Prepaid credit cards are new twists on the popularity of plastic money. The name says it all. They are cards that function just like credit cards in nearly all aspects, but you have to pay the spending limit upfront. It's like a prepaid phone card you can use to buy anything at all. There are a lot of benefits to a prepaid credit card, as well as many different applications for the technology. The most obvious benefit is that you can't go over your limit. There is no such... Advantages Of Using A Credit Card For Monthly Expenses A credit card can be a great tool for managing your monthly living expenses. Using your credit card to charge all of your bills and purchases can make life easier. When used wisely, this approach can save time and help you maximize your credit card’s rewards program. Establish a budget The first step to successfully implementing this strategy is to set up a monthly budget. When you set limits for yourself, you can be sure not to charge more on your card than you can pay...	Sign Up for a free account or learn more. Member Login Submit Articles Top Authors Most Popular Articles Submission Guidelines Ezine Notifications Article RSS Feeds New Article Submitter: Free Article Submitter Submit to 710+ directories! Free Software Download Neo Profit Circle Premium Site Designs About Us Link to Us Contact Us Privacy Policy Terms of Service

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