Credit Cards

How to Find the Best Low APR Credit Cards
by: Morgan Hamilton

Low APR credit cards are much more prevalent than in years past. Competition is stiff and credit card financial institutions offer many nice perks, rewards, points, low annual percentage rates (APR) and other inducements. They want to capture new customers who've never had a credit card but also those who already have a credit card and might like to save money by transferring that card's balance on to their new low APR credit cards.

Of course, there is nothing lower in an APR than zero - and those exist too, although sometimes for a limited time period. It may be that the lowest, or even the zero percentage APR is for an introductory period, after which the rate is higher. The permanent APR is what you want to watch out for, of course. Although if you're not opposed to doing a lot of switching, you can always purchase a low APR credit card, or zero percentage APR credit card, transfer the balance from your current high APR credit card, and then, once the introductory time period has expired and the APR is about to go up on your newest credit card, transfer the balance yet again to a brand new low APR credit card.

Let's look at a few of the low APR credit cards out there, so you know what kinds of options are typically available to you.

Citibank, for example, offers low APR credit cards that give you five percent cash back on any purchase you making at grocery stores and gas stations with your low APR credit card, and one percent back for any purchase elsewhere. The APR on transfers is zero for the first year. If your transfer transaction is at least $1500 you will earn $5 cash back with the low APR credit card. There is no annual fee and the APR after the first year is 12.24 percent.

Discover has a platinum clear card whose low APR is continual. The first year the APR is zero, but after the first year it's still a very competitive 9.99 percent. And there is no annual fee. With these low APR credit cards you earn a five percent cash back bonus on purchases made from hardware and home improvement retailers, restaurants, book vendors, and gas stations. If the retailer doesn't qualify you for the five percent discount you will always get one percent back no matter what you buy and from where with this low APR credit card.

Chase Bank offers low APR credit cards as well. Its zero percent APR is good for six months, after which you will pay 10.49 percent. These low APR credit cards have no annual fee, and offer rewards at the rate of one point for every dollar spent with your Chase card. You can get free airline flights and hotel rooms, as well as cruises and auto rentals. This card also provides $500,000 worth of travel insurance for worldwide vacationing. You can also take advantage of a fifteen percent discount off a Hertz car rental with these low APR credit cards.

Internet dating

Does Internet Dating Work?
by: Kathryn Lord

What’s the Number One Question that Everyone Asks About CyberDating?
Everyone -- and that included YOU! -- wants to know: "Does Internet Dating Work?"
Well, I KNOW it works, and in the best possible way, because I met my husband Drew on Match.com in May 1998. And I know others who have met their True Love that way, too. (I'm collecting stories of Internet True Romance, if you know of a couple that met that way -- email me at Kathryn@Find-A-Sweetheart.com and tell me all about it!)
But what about for you? Will it work for YOU???
Kathryn B. Lord c. 2003 All Rights Reserved
No one wants to get their hopes up and then be disappointed, do they? If this is "not going to work," then why try?
Sounds like a good reason not to do anything, doesn't it? Because even though CyberDating most definitely worked for me, I can't guarantee that it will "work" for you. Too many variables, the biggest of which is you -- your own fears and how far you are willing to go.
Let’s look at this question from a more logical place.
What have you been doing, other than posting on an Internet Dating site, about finding a mate? And how is that working for you?
Either you have been doing something (singles events, let’s say, or trying to let others know that you are interested) or you have been doing nothing. "Something" is more likely to have results than "nothing," but neither have "worked" in that you haven't gotten a mate yet, or you wouldn't be asking the question "Does Internet dating work?"
So let’s redefine "work." What Internet dating does better than any other method I know is that it exposes you to a very large group of other singles and helps you sort them into the likeliest category for potential partnerhood with you. How well does "doing nothing" compare with that? For that matter, how well does "doing something" other than Internet dating compare?
I've had clients who loudly complain that Internet dating is not working for them, when they have, at the same time, been carrying on several correspondences with possible mate candidates and have met and screened several others, all in a few weeks’ time. How can they say that Internet dating does not work???
I can't answer the question "Does Internet dating work?" ANY other way than with a resounding "YES!!!" It works by getting you the best possible exposure to the most potential partners.
Now what you DO with that exposure is up to you -- that’s where your "work" comes in. Many, many factors come into play -- your relative receptiveness to a new relationship, the kind of barriers you may put in the way, your skills or the lack of them in presenting yourself and relating to other. All those and more are part of the "work" that needs to happen to transform potential mates into actual ones.
And that’s YOUR "work" -- so the question becomes "Can I do the work that needs to happen to find a mate and develop a lasting relationship?"
That’s the RIGHT question. It’s a big one, and if you have been long frustrated in your efforts, maybe getting a Romance Coach could help.
Getting a Romance Coach is unlikely to make your situation worse. And who knows? It just might work!
Kathryn Lord © 2004 All Rights Reserved
About The Author
Kathryn Lord, Romance Coach
Helping singles find someone wonderful!
eBk: "Find A Sweetheart Soon! Your Love Trip Planner for Women"
4870 Oak Ridge Road, Vicksburg, MS 39183 / Ph. 601-619-0030
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