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Sep 16, 2009
Top 7 Things You Should Know About Credit Card Balance Transfer
Credit card balance transfer is a great way of consolidating your credit card debt, and also finding a way of avoiding the terrible burden that debt can bring. Transfer offers are in high demand and many credit card issuers highlight their balance transfer features up front as part of their overall advertising package. These days the credit card companies are in heavy competition with each other to get your business.
But have you ever considered the dream ticket of always having an interest free credit card at all times, no matter what the circumstances? Well here is a check list of seven things you must do in order to get the best out of it.
1. Always make sure that your credit card balance transfers are carried out on time and with no overlap periods from one card to the next, which will cost you money in nasty interest charges. Make allowances for delays in the post when notifying banks and credit card companies by mail, and also note that different banks will move at different speeds when responding to requests.
2. Make sure that 0 balance transfer credit card offers are always current and available at the time you apply. There's no point in making a mental note of an offer and then applying for it after it has expired.
3. Interest free balance transfer credit cards must be exactly that; be careful and look out for any hidden charges in the small print. A 0 APR credit card should be exactly what it says it is.
4. The type of card to transfer balances from is crucial. Store cards tend to have a higher rate of APR than normal credit cards, so consider transferring all these balances on one or more low interest card. You can end up saving a substantial amount of money. Proper use of the credit card balance transfer feature can be useful and convenient, and a vital way of avoiding credit card debt.
5. Trust your source. A low interest credit card or 0 interest credit card should be easy to identify, preferably from a source where you are able to make comparisons between different types of card. Ideally you should deal with a source which is impartial and which does not promote one credit card or bank over another. Also, your source should provide easy to read and understand comparative charts to help you make such decisions swiftly, without undue pressure, and without any fear of being misled.
6. Keep a note of the exact date of when your 0 interest period finishes, and apply for your new credit card balance transfer at least two weeks before that date.
7. Try and ensure that your interest free credit card balance transfer facility is flexible and quick. At present it is the norm to put details of your credit balance transfers in writing at the time of application. Bear in mind that both parties need to know what is going on at the same time. Make it easy for everyone, including yourself.
read more...
But have you ever considered the dream ticket of always having an interest free credit card at all times, no matter what the circumstances? Well here is a check list of seven things you must do in order to get the best out of it.
1. Always make sure that your credit card balance transfers are carried out on time and with no overlap periods from one card to the next, which will cost you money in nasty interest charges. Make allowances for delays in the post when notifying banks and credit card companies by mail, and also note that different banks will move at different speeds when responding to requests.
2. Make sure that 0 balance transfer credit card offers are always current and available at the time you apply. There's no point in making a mental note of an offer and then applying for it after it has expired.
3. Interest free balance transfer credit cards must be exactly that; be careful and look out for any hidden charges in the small print. A 0 APR credit card should be exactly what it says it is.
4. The type of card to transfer balances from is crucial. Store cards tend to have a higher rate of APR than normal credit cards, so consider transferring all these balances on one or more low interest card. You can end up saving a substantial amount of money. Proper use of the credit card balance transfer feature can be useful and convenient, and a vital way of avoiding credit card debt.
5. Trust your source. A low interest credit card or 0 interest credit card should be easy to identify, preferably from a source where you are able to make comparisons between different types of card. Ideally you should deal with a source which is impartial and which does not promote one credit card or bank over another. Also, your source should provide easy to read and understand comparative charts to help you make such decisions swiftly, without undue pressure, and without any fear of being misled.
6. Keep a note of the exact date of when your 0 interest period finishes, and apply for your new credit card balance transfer at least two weeks before that date.
7. Try and ensure that your interest free credit card balance transfer facility is flexible and quick. At present it is the norm to put details of your credit balance transfers in writing at the time of application. Bear in mind that both parties need to know what is going on at the same time. Make it easy for everyone, including yourself.
Sep 11, 2009
Choose Your Own Headboard Designs
Everyone has different stylistic ideas and desires, and these come out most easily in bedroom designs. One way that a number of people choose to express themselves is through the choice of headboards that make the focal point on the beds. Some people choose to keep the design minimalistic and simple, while others opt for extravagant pieces that stand out regardless of the additional décor in the room. Unfortunately, some people don't realize that there is a style of headboard out there for them and forego this huge element in their bedroom, leaving it with an empty or unfinished appearance.
Rest assured, there is a headboard out there for any bedroom. If you can't find the perfect design style immediately, there are always other options. You may want to start by looking at something basic and versatile, like wrought iron headboards, that fit into any basic theme you may create in your bedroom space. These can be left blank to hold their own focus, or you can dress them up with additional fabrics and décor to weave them into the design of the room more wholly.
Leather headboards can create a sophisticated look for your bedroom area, making it look expensive and tasteful. They really draw attention to themselves as the center focus of the room, so other elements don't need to be as strong as with some other styles. Many of these headboards are large and imposing, though, so if you are a minimalist, this type of headboard is probably not the number one option for you. You might want to consider something smaller and less dominating of the space.
If you are really having trouble finding your style, consider purchasing a blank slate. If you take a simple wooden or particleboard headboard and purchase the material of your choice along with some cotton batting, you can create upholstered headboards that are customized to your liking. That way, you can match it perfectly to the rest of the room, and you can rest assured that you will really like the design. Also, if you ever tire of the look, you can remove the current upholstery and recover the headboard to match your new style. It's a simple process that doesn't take long and only requires a good staple gun and a pair of scissors to remove excess cloth.
If all else fails, you can work with something function, like bookcase headboards. These will surround the bed and give you quite a bit of storage space for anything from books and magazines to a telephone and photo frames that are to be displayed in your bedroom. The only real downside to this kind of headboard is the need to dust it frequently, since the shelving is exposed. However, if you just brush over it daily with a duster, it will not become a painful chore. Best of all, you not only have a headboard that is a great focal point but also lots of space for other things that you keep in your bedroom.
read more...
Rest assured, there is a headboard out there for any bedroom. If you can't find the perfect design style immediately, there are always other options. You may want to start by looking at something basic and versatile, like wrought iron headboards, that fit into any basic theme you may create in your bedroom space. These can be left blank to hold their own focus, or you can dress them up with additional fabrics and décor to weave them into the design of the room more wholly.
Leather headboards can create a sophisticated look for your bedroom area, making it look expensive and tasteful. They really draw attention to themselves as the center focus of the room, so other elements don't need to be as strong as with some other styles. Many of these headboards are large and imposing, though, so if you are a minimalist, this type of headboard is probably not the number one option for you. You might want to consider something smaller and less dominating of the space.
If you are really having trouble finding your style, consider purchasing a blank slate. If you take a simple wooden or particleboard headboard and purchase the material of your choice along with some cotton batting, you can create upholstered headboards that are customized to your liking. That way, you can match it perfectly to the rest of the room, and you can rest assured that you will really like the design. Also, if you ever tire of the look, you can remove the current upholstery and recover the headboard to match your new style. It's a simple process that doesn't take long and only requires a good staple gun and a pair of scissors to remove excess cloth.
If all else fails, you can work with something function, like bookcase headboards. These will surround the bed and give you quite a bit of storage space for anything from books and magazines to a telephone and photo frames that are to be displayed in your bedroom. The only real downside to this kind of headboard is the need to dust it frequently, since the shelving is exposed. However, if you just brush over it daily with a duster, it will not become a painful chore. Best of all, you not only have a headboard that is a great focal point but also lots of space for other things that you keep in your bedroom.
Simple Autumn Room Decorating Tips
When we think of autumn, a small palette of colors springs to mind. Colors like pumpkin, deep gold, and rust. The colors we associate with this season come straight from the harvest. Why not jazz up your traditional fall displays with something unexpected? A deep pumpkin color looks dramatic with an infusion of eggplant or a fresh apple green. Apple red along with the warm gold adds fun to your tabletop display, centerpiece, or porch vignette.
For the dining room table or sideboard, think outside the box. We tend to create and choose table decorations and vignettes that conform to a square or circle shape. Some of the most dramatic tabletop decorating travels down an imaginary center line of the table, and leads your eye to the other end. Tabletop candleholders are popular right now in long horizontal shapes. A simple holder in a dark finish of wood or metal would look wonderful with assorted Autumn-hued silk foliage running casually alongside it. If you love the look of hurricane lamps, use three or four, instead of one, then add your autumn foliage at the bases, for a casual "I just carried this in from the outdoors" look.
Don't stop yourself after simply decorating a dining room table for the season. Look around your house for other opportunities to celebrate the harvest season. Fall colors can be added with guest towels, kitchen towels, or a bowl of seasonal fruit on your kitchen counter. Guest soaps, lotions, and candles, can be purchased in the delicious scents of autumn. A trio of pumpkins in various sizes, set on your fireplace hearth, gives a cozy feeling. A great visual trick of decorating is to display items in odd numbers, and to vary the size as much as possible. Also, choosing a few larger accessories or decorations, rather than several small ones, makes a stronger statement and gives you less clutter. If you already have a collection of small autumn decorations, display them as a set with one large anchor piece, instead of spreading them around the room, for maximum impact!
Autumn is a wonderful time for decorating your porch. Wonderfully large mums in containers are available at a variety of garden stores and farm stands right now. Don't be content with a few beautiful plants. Create a vignette. Along with your fall plants, add a ceramic container in a complimentary color (remember those lively greens or a deep eggplant!). An autumn-hued door garland and wreath say, "Welcome." My favorite fall wreaths have unexpected touches of color, a variety of materials, and sometimes a hint of shimmer. A gorgeous fall wreath with puffs of dried hydrangea, or faux pomegranates stand out on any door. A variety of seasonal doormats are available, as well, to complete the look. If you have been thinking of painting your front door, now is a great time to do it! Choose a color that gives your entry character, and makes a great backdrop for your seasonal decorations. Your front entry should make you smile every time you walk up to your door. Decorating for the seasons is a wonderful tradition that celebrates the change of seasons, and the cycle of life.
read more...
For the dining room table or sideboard, think outside the box. We tend to create and choose table decorations and vignettes that conform to a square or circle shape. Some of the most dramatic tabletop decorating travels down an imaginary center line of the table, and leads your eye to the other end. Tabletop candleholders are popular right now in long horizontal shapes. A simple holder in a dark finish of wood or metal would look wonderful with assorted Autumn-hued silk foliage running casually alongside it. If you love the look of hurricane lamps, use three or four, instead of one, then add your autumn foliage at the bases, for a casual "I just carried this in from the outdoors" look.
Don't stop yourself after simply decorating a dining room table for the season. Look around your house for other opportunities to celebrate the harvest season. Fall colors can be added with guest towels, kitchen towels, or a bowl of seasonal fruit on your kitchen counter. Guest soaps, lotions, and candles, can be purchased in the delicious scents of autumn. A trio of pumpkins in various sizes, set on your fireplace hearth, gives a cozy feeling. A great visual trick of decorating is to display items in odd numbers, and to vary the size as much as possible. Also, choosing a few larger accessories or decorations, rather than several small ones, makes a stronger statement and gives you less clutter. If you already have a collection of small autumn decorations, display them as a set with one large anchor piece, instead of spreading them around the room, for maximum impact!
Autumn is a wonderful time for decorating your porch. Wonderfully large mums in containers are available at a variety of garden stores and farm stands right now. Don't be content with a few beautiful plants. Create a vignette. Along with your fall plants, add a ceramic container in a complimentary color (remember those lively greens or a deep eggplant!). An autumn-hued door garland and wreath say, "Welcome." My favorite fall wreaths have unexpected touches of color, a variety of materials, and sometimes a hint of shimmer. A gorgeous fall wreath with puffs of dried hydrangea, or faux pomegranates stand out on any door. A variety of seasonal doormats are available, as well, to complete the look. If you have been thinking of painting your front door, now is a great time to do it! Choose a color that gives your entry character, and makes a great backdrop for your seasonal decorations. Your front entry should make you smile every time you walk up to your door. Decorating for the seasons is a wonderful tradition that celebrates the change of seasons, and the cycle of life.
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