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All About Credit Card Balance Transfers

What is a balance transfer ? A balance transfer can be explained simply as a balance transfer! When a balance is transferred usually from a credit card, but possible from a bank account or loan to a credit card with a offer interest rate (usually 0%) for a set period. It does not have to be the entire amount. The card receiving the balance will an interest snabblån rate for a set term, normally 6 months, but can be 9 months or even a year. Take a look at the current balance transfer deals currently available. This will give you a flavour of the typical kind of deal available.

Should I apply for a balance transfer ? It is important to remember that a balance transfer does not mean that the debt has gone away. It just means you are not paying interest on it. You will still have to maintain payments.

This may seem obvious but many people do not get this straight in their mind.

The basic criteria for getting a balance transfer is when you regularly have an outstanding balance after making your monthly payments. This is the amount you should look to transfer to another card. This will mean that for the period of the offer you will pay no interest on the balance (provided you make the minimum payments).

You should be very wary of taking up a balance transfer, if your overall debt is increasing. A balance transfer is not a green light to spend more money. The money you save should be used to decrease your debt. What should I look for in a balance transfer ? You need to be aware of the following when looking for a balance transfer card

The zero or low interest rate charged on the balance. Possible transfers from loans and overdrafts. On some cards you can transfer from existing loans and overdrafts and still get the offer.

Bad things Cut-off period for the balance transfer offer. Hidden Charges on transfers. Some banks will charge a handling fee on the balance transfer. How long the offer is valid for ?

What about new purchases ? Unless there is also a 0% interest rate on new purchases then you should avoid making new purchases on a balance transfer card. This is because the banks will look to reduce the balance transfer debt quicker than the new debt. Provided your credit history is reasonable, there is nothing stopping you having several cards for different purposes. A good way is to have a card, which specialises in 0% on new purchases and another card for balance transfers.

What happens when the balance transfer period finishes ?

When the balance transfer offer period finishes the debt will revert to the typical variable APR. The lenders hope at this point that the cardholder will retain the card and some of the debt, so they can then start charging interest and making some money! So take into consideration the low interest rate credit cards. However, there is nothing stopping the disciplined credit card holder from switching to another balance transfer deal and closing the account. The cycle then starts again. Always allow 6 weeks to 8 weeks before the end of the offer period to apply for a new card. This means you can get the balance transferred to the new card before the lender can start charging the higher rate. You have to be organised to do this, but if you are it does work. People who regularly switch balances are know as card tarts.

The Golden Rules There are three things to look out for with a balance transfer card As mentioned previously, the unsuspecting can get caught out when spending on a balance transfer card. Maintaining regular payments. If you miss a payment you incur some penalty, so be aware. To be safe set up a direct debit. The interest rate applied when the offer period finishes.

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Buy YouTube Comments for the Growth of Your Online Business

YouTube is the biggest video-sharing network on the web. There are millions of people registering and uploading new videos on YouTube every month. influencer marketing Therefore, the competition has growth so high that it is almost impossible to be recognized by anyone on YouTube. It is almost impossible to become as popular as you always wanted to be. Whenever you make a video, you will always find another video that is a lot more attractive and better than yours. There are thousands of professionals making videos with the best possible visual effects you can dream of.

You can get thousands of positive YouTube Comments in order to create a positive image of your business online. Is it Safe? YouTube comments are becoming important these days as they tell other viewers about the actual quality of the video. More and more Positive Video Comments are good to have as YouTube Ranking System gives more weight age to the Video that has good number of Positive Comments.

Buying YouTube comments can increase the online popularity of your video as all of the Comments will be positive. This encourages other viewers to watch your Video and they too are likely to leave a comment. Comments provide a strong base for your YouTube video. Comments optimize your video in Search Engines and if there are many comments, it will be indexed quickly and they also rank it higher when someone searches for the keyword related to your Video.

When you buy YouTube comments, you will also get a chance to interact with your viewers by responding to them. For example, if a user asks a question concerning your products or services, you can respond to their comments with the answer. Since it is very simple for YouTube users to leave comments, many of them do so on videos that they enjoyed or found useful. Therefore, if all you do is buy views, you are missing out.

If you intend to buy YouTube comments, you can get the opportunity to avail everything if you would place your order for a combo package. This is a package that comes with triple services that help you buy YouTube comments, YouTube views and YouTube likes in tandem. So, place buy a package from a service provider that can complement your requirements and help you achieve your goal at the least possible time.

Now, it is your turn to buy YouTube comments you’re received on your video in order to increase your audience and client base. For this, you need to seek assistance from a that can help you buy YouTube comments, which would be effective in marketing your product or service over the Internet.

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Shed Those Extra Pounds With The Advice In This Article!

Would you like to lose weight? It can be difficult to know how exactly to get started. Do not fear. Click here for more information and to read more Everyone must begin somewhere. The below article can help provide you the best shot at success by providing excellent tips to help your body lose weight.

Consider doing so cardio in the morning, prior to eating breakfast as a method to help lose weight. Research has shown this method burns 300 percent more fat and calories than doing your exercise at some other time of day.

Chunky soups can help you lose weight. It is never wise to simply drink your calories.

Hypnotism is a weight loss method that works for some people. While it may seem unlikely, hypnosis can help you get motivated to change your life and eliminate bad habits.

In order to keep the weight off, avoid eating before bedtime. When you eat food at night, it will sit in your stomach and turn into fat. Instead, do productive things in the evenings that do not tempt you to eat.

Drinking water and cutting sugary drinks from your diet for a week is a way to lose a quick five pounds. Cut down on solid food, and drink a minimum of 1/2 gallon of water each day, and you’ll lose water weight over a week’s time. Avoid these strategies, improve your overall diet and increase your activity level for healthy weight loss.


Lose Weight

To help you lose weight you need to monitor your intake of calories. You will lose weight if your calorie expenditure exceed your caloric intake. When you eat more than you work off, you don’t lose weight. Writing down what you’re consuming helps you keep track of your calories so that you can lose weight.

Partnering with another person is one of the most effective ways to stick with your fitness program. By sharing your goals and ideas with another person, you become more accountable to your diet and fitness routines–an excellent motivator! Whenever one of you lose motivation, you can support one another, which helps you both get through the tough times.

Does anyone not like french fries? They are the downfall of many a potential weight loser. If you must have french fries, try to bake them.

Always be sure to eat breakfast every day. When time is of the essence,it is not difficult to get a practical breakfast pastry when going to work. However, these contain empty calories. If instead, you eat some fruit and oatmeal at home in the morning, you will have no excuse to grab a fattening pastry.

Lose Weight

If you want to lose weight, you have to stay active. Try not sitting at all during the day. This will help you to keep burning calories throughout the entire day, which will keep your metabolism working faster, and will allow you to consume a normal amount of calories and still lose weight.

Finding a workout partner can help keep you motivated. Make sure that your friend is someone who has the same goals, performs the same exercises and uses the same diet to get the most of their help.

Get lots of sleep when working out. Everyone is advised to get at least eight hours of sleep. If you are thinking that staying up is helping you drop pounds, you are wrong. When you get an adequate amount of sleep, your body’s metabolism become stable enough so you can burn away calories.

Now that you know the best ways to lose weight, you can start an exercise program to lose and maintain your ideal weight! The best part is being able to fit into your clothes again! Start using these tips to have a healthier body!



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So Whats Your Degree In

I was asked this question the other day. It comes up now and then and I’m usually an oddity for the fact that I don’t have one. I have learned to be honest about my lack of one, and the fact that I regret it…with all my heart. I regret the lost opportunities and the other directions that might have been available in my life if I had gone down that road. Because of that I taught my children to say the word “College” when it first became apparent they were going to talk. This is an article sponsored by Gather App

If the nerds have a king it is Nathan Myhrvold, and I am merely his helpless sycophant. I find James Franco sexy. Not because of his looks or acting talent. Certainly not for his Oscar hosting skills. No, it’s the PhD he’ll have soon.  It’s true, I am an I.Q. groupie. I would have been an easy lay for Einstein, and if I once threw my panties at you because you went to MIT, my bad. But the secret truth of it remains, I covet in sinful ways those who hail from mysterious Ivy League worlds.

I didn’t finish high school. Don’t get me wrong, I was not the kind of child who resisted learning. From the first time I could understand what a book was I was sold on the idea and I have been reading ever since. Voraciously.  There is very little that I think I couldn’t learn from a book. I wore the spines out on our set of Encyclopedia Britannica, conducting endless searches on an endless number of topics as my restless mind led me on a journey across the Rubicon of ideas, one fact leading to another magical fact, and eventually leading to a whole new branch or topic of information.

If there has been anything that I have loved aside from my children, it has been the ideas. Simple thought and the wonder of the human mind have held me in awe for as long as I can remember. I am still entranced to hear about things I never knew existed. I worship things like TED and I am unreasonably excited by facts about ants or to know that bacteria can count themselves and that it determines their behavior when they reach a certain number.  I am a nerd. I always was, even when I didn’t realize it.

I remember sitting in the hallway of high school in my freshman year (what would be my only full year at that institution) and reading Eric Segal’s “Love Story” (that was clearly back in the days before romanticism had been crushed out of me).  What drew me most about the story, then and now, was the idea that there was this magical land called New England where places like Harvard and Radcliffe existed. It seemed as far away as the Sun.  I never once thought it was attainable, that was not the culture I grew up in, but I remember it made me hungry. I longed to be one of those people. It has been a feeling that has followed me when I finally made pilgrimages to places such as Harvard or Stanford.

But life back in high school for my family was too chaotic and higher education too little supported and generally speaking, kids don’t go to college by accident. It takes a plan, dedication and brain washing. It takes parents who consider an engineering degree to be The Holy Grail.  We were far too occupied with mere survival in my house. So instead, I read everything I could get my hands on, consumed whole encyclopedia and found that escape into that world of books saved my sanity. In the midst of the chaos and despair of my childhood, it was evidence that there was life out there, that hope might just be a possibility, that I might find meaning out of all the difficulty.  Books were my lifeline, and best of all? Biographies. These endless examples of how other people had confronted hardship and impossible odds on defeated them. They were roadmaps to life.

I’ve come to think of it as my “log cabin education.” It ties me in nicely with Abraham Lincoln, who once filled out the space on the congressional roll where it asked for Education with the single word – “Defective.” He’s been my favorite ever since for both his self-educated status and his lifelong co-existence with melancholy, as they used to call depression (why was it so much more socially acceptable back then to have either? Ah, the good ole days).

But I wish I had been raised to go to college. Walking the campus at Stanford is at once the most beautiful and most loss-inducing experience I’ve ever felt. I wanted to be one of them. I wanted to go to one of the 7 Sisters colleges. I wanted to bathe in the waters of education and knowledge and research…I wanted to be among ideas and the people who cared about them. Instead, I worked and traveled and battled my demons, and read as much and as often as possible. And I was fortunate in my friends.

From the very beginning it was the intellectuals I was drawn to, those who embraced the love of an idea and debate. By letting me sneak into their world, these people brought me the whole universe. They brought me reason, and that quite literally saved my life. One of my nicely degreed friends said the other day that the only thing missing from my degree was the paperwork.

That meant a lot to me because I was in my mid 30’s before I began to suspect that I had game in the intellectual stakes.  There are many, many people brighter than I am, but often, the only thing separating their brains from mine are the books they got to read.  I can hold my own with many of them and I didn’t know that for a long, long time. I measured myself by the only thing I didn’t have, a degree.

In the end, I found my intellect on my own. I found it through people who dazzle me with the bright furnace of their thoughts, I found it through learning about poets and architects and the structure of the brain. I found it in books, and lately on the internet, which is preventing me from sleeping, ever, because of the amount of information you can expose yourself to. Amazing things are going to happen to education because of the internet.

So while I know that everyone says it’s never too late to go back and get your degree, the reality of 6 kids and the amount of money and time it would take don’t place it at the top of my list these days.  I’ll stay open to the idea, but for now I can at least report that yesterday, when I heard myself explaining to the 5 year old that if her 2 year old brother pees on her while they are having a bath together then she has to rinse off with clean water before getting out of the bath, for the first time ever I was glad I didn’t have a college degree – because it means that I didn’t have to waste enormous amounts of money to say that to another human.

What’s my degree in?  Most days, I want to answer “Lucky to be alive.” That’s what my degree is in…


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Windows Laptops

Out of all the laptops in the world you can be sure that at least 4 out of every 5 laptop run on a windows operating system. Windows has changed the way the hardware of a computer communicates with the software. In layman’s term an operating system is like a language that the hardware and software speak so that they can communicate. It’s a kind of an interface.

Windows Laptops manufactured within the last decade would probably have windows XP, Windows Vista or Windows 7 running on them. Windows 7 is the latest operating system on offer by Microsoft. Windows 7 is touted to be the best operating system it has a lite version which is called windows 7 starter and is for netbooks. While at the same time it supports the touch screen interface for tablet computers.

The interface and look the windows 7 provides to the desktop is beautiful. It allows you to set dynamic wallpaper which will change the wall paper according to a time delay that is set. If you like multitasking and open several windows laptop you can hover the cursor on the task bar and see a preview of the contents of the window. You can also minimize all open windows with click on just one icon on the right corner of the task bar.

You can download and install various gadgets which are small independent programs that run on the desktop. You can choose gadgets that show you details of stock market, sports updates, phases of the moon and many other gadgets. Windows 7 also features windows media center which brings all your media under one program.

Windows 7 has a backward compatibility mode where you can run programs which were specifically coded to run on older operating systems like windows XP. It also has great support for all kinds of devices and has an extensive driver database that allows it to recognize and install drivers for most printers, scanners and cameras. It also supports mobile phones and allows you to browse the contents of a removable device with help of a pop up window that appears when you connect a device to your computer.

It also offers one click WI-FI which is great mstand. Considering the popularity of windows laptops and people connecting to the internet with help of Wi-Fi hotspots you need not configure a new Wi-Fi connection. You can click on the icon in the system tray and select a Wi-Fi hotspot from the list available.

Windows 7 is a very stable and reliable platform for windows laptop.

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