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Wednesday, September 5, 2007
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   Wednesday, September 5, 2007

8 Critical Rules For Credit Card Users
The temptations presented by credit cards are many and while using different cards to tide over tight situations may provide temporary relief in the long run you will find that most of your available funds go towards paying credit card interests and that too at different rates.
Once in the deep waters of debt there are just two options, to swim to safety steadily or to drown. Consider consolidating credit card debt and to stop utilizing your cards until you are out of trouble. You must also consider ways in which to curtail expenses and find ways of increasing your income.
Getting out of a debt trap has certain important rules or steps:
1. Once you have worked out a plan carry out credit card balance transfers taking into consideration overlap periods and interest calculation cycles for each card. Avoid paying more interest than you need to by notifying the banks/institutions well in advance so that they have enough time to post or carry out your instructions.
2. Utilize offers like 0 balance credit card plans and apply well before the scheme expires.
3. Once you have chosen a credit card where you intend to transfer all balances, check through their offer carefully. Many cards have hidden charges in fine print which you may overlook. Make sure that the 0 APR is exactly what it is.
4. Choose a card to make a transfer balance with care. Do a comparison shopping for APR. And try and select just one low interest card to consolidate debt. If you are careful you will save a lot of money.
5. Verify the efficacy and dependability of the card. Always check carefully never jump into a commitment without being sure you have made the right choice.
6. Keep track of when the 0% interest period finishes and try and pay back the amount owed within the period. Otherwise scout around for another scheme and transfer balance owed well before the last date. While some cards offer a 0% rate for six months others make the scheme valid for a year after which the interest rate is raised once again to market levels.
7. A balance transfer helps you avoid paying high and varied interest rates. So you must sit down and figure out what the interest rates you are paying are and how much is owed to different cards. The consolidation must benefit you and you must avoid paying out large amounts as transaction fees.
8. Always try and move as much as you can. Ask the low interest or zero interest credit card company what is the maximum amount they will accept. To save money you need to transfer as much debt as possible from a high interest to a low one.
The primary focus must be to get out of debt. And if you are clever you will find a credit card that offers you the greatest advantage. Remember if you pay 0 % interest then even the amount you would have otherwise paid as interest can be adjusted against the principal owed.
However while you are undertaking debt consolidation you must lock away all cards and not run up additional debt. To turn your life around you need to curtail expenses and live a budgeted life. A few tips: take away credit cards from all family members; cancel as many cards as you can; when you go to a mall or shopping district leave your cards at home and take along a friend who will discourage temptation and impulse buying. When tempted think do I really need x, y, or z? When am I likely to use this. If the answer is not in the near future don’t buy it. Discipline is the only path to living a debt free existence.
About the Author: Aaron Brooks is a freelance writer for
Credit Card Services , the premier website to find information on Credit Card including topics on credit card market, credit cards, business card credit comparison, card credit processing, credit card reviews, credit card offers, card credit deals and more. He also freelances for Debt Consolidation Site
Debt Consolidation


Acts of God; are you covered?
It has long been the case that “acts of God” are not covered on the majority of insurance policies. Indeed after the recent earthquake in Kent, many people automatically thought this to be the case.
In reality, more and more modern insurance policies are swinging towards removing this clause, with many already having done so.
After the Earthquake in which took place on 28th of April 2007, many homeowners were unsure as to whether their home insurance would be pay out, as an earthquake is not a common phenomenon in this country. The earthquake, which measured 4.3 on the Richter scale, resulted in at least 80 homes being deemed uninhabitable.
House insurance is not compulsory, as is the case with insurance for motor cars. For the 20% estimated to be without any policy in place, the prospect of having to pay out for repairs of this kind would be daunting to say the very least.
An important thing to remember is that your insurance policy will cover the cost of rebuilding your home should this be necessary but not the market value of the house.
Bearing this in mind, you should check how much cover you have in place and check that this would be enough financially in the event of a rebuild. Cover varies a great deal with some insurers willing to pay out up to £1 million to rebuild your home, whilst the vast majority of insurers will pay up to £500 thousand for houses with 5 bedrooms and under.
It is reported that the insurance companies take into account the cost of inflation on building costs and adjust the premium price in accordance.
The one positive that can be taken from the Earthquake is the awareness it has helped raise in relation to what is and what is not covered for those involved and thanks to the media this has been carried on to the masses.
Hopefully now, in the event of any “act of God”, such as water/storm damage and even an earthquake, people will be able to rest that little bit easier, safe in the knowledge of their cover.
I would still suggest checking with your insurer to ensure this is the case, just to be on the safe side. You should more than likely find that it is.


Find out about the tax benefits of offshore funds
An offshore fund is a collective investment fund domiciled in an Offshore Financial Center. These funds have been in existence since the 1960's, and so named because they were established originally in the island tax havens of the Caribbean and the English Channel. The term 'Offshore' has since come to mean any jurisdiction, wherever geographically located, which is advantageously different from one's own domestic financial environment.
Advantages
The advantages take a number of forms: a tax free, or 'tax-lite' regime, which reduces the costs on the fund making increased performance achievable, and a less restrictive regulatory environment. Assets can be held in confidence, and the timing of tax payments, and mitigation of the rate at which they are levied can be managed by investing offshore.
Offshore funds offer eligible investors significant tax benefits compared to many high tax jurisdictions such as the United States and the European Union. However, where funds are repatriated to high tax jurisdictions, they are usually taxed at normal rates as foreign arising income.
Many of these tax-haven locations are considered investor friendly and are internationally regarded as financially secure.
1. Confidentiality
While conceding the need for greater degrees of co-operation with onshore authorities, the offshore centers' tradition of protecting investors' privacy still persists. If they are implementing measures necessary to maintain a reputation for profit, on money laundering for example, and if they are co-operative when there is evidence of criminal activity, they will nevertheless actively resist any attempts at 'fishing expeditions’ on the part of onshore tax authorities.
2. Returns and Volatility
In addition to operating in a benign tax environment, offshore funds have the opportunity to further increase their returns through exposure to a wider range of asset classes. It is an accepted principle that diversity can better balance an investor's portfolio and reduces its volatility. By spreading investment around different financial centers, not only are diversity increased, but exposure to different market conditions and investment styles are brought into the mix as well.
Although most offshore jurisdictions permit funds to obtain licenses to operate as public funds, the onerous regulatory requirements associated with such licenses usually means that only a small minority of offshore funds is available for subscription by the general public. These funds are subject to formal constitutions, and operated and monitored in compliance with the rules of the local regulatory regime.
While shares in many offshore funds are available by direct application to the managers, the decision to invest in them is likely to be made within the context of broader financial planning. This, plus the desirability of expert guidance, makes an approach through an appropriate financial advisor highly to be recommended.
For more details please visit www.wealthcapfund.com