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Thursday, September 6, 2007
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Thursday, September 6, 2007
Finding A Quality 0% APR Balance Transfer Credit Card
Finding a quality 0% APR balance transfer credit card has never been easier. The Internet makes comparing balance transfer offers from banks and credit card companies such as Chase, American Express, Bank of America and Discover Card a snap. There are many quality web sites that will allow you to check out the various credit card deals in an efficient manner.
Could you just imagine spreading out all the credit card solicitations that come through the mail on the kitchen table and attempting to sort through them? Yeah, I'll take a pass on that too. But now, thanks to the World Wide Web, finding a 0 APR balance transfer card that fits your financial needs is as easy as doing a search using your favorite search engine such as Google or Yahoo.
An individual consumer or business owner may have several reasons for wanting to transfer balances. Chief among these reasons is the desire to save money by taking advantage of special rates. Many credit card issuers offer 0% APR balance transfer credit card introductory rates that last anywhere from 6 to 12 months. I have even seen some offers that last for as long as 15 months. Advanta is one such offer.
Now here is what you will want to look for as you compare the various offers:
1) Is the rate being offered an introductory rate
2) How long is the introductory rate good for
3) What will the interest rates be when the intro period expires
4) Check to see if there is an annual fee charged
5) Find out if there is a balance transfer fee
6) Find out what the credit limit is
These are the main criteria for choosing your balance transfer credit card. These terms can be found on the application that accompanies the offers. Please read them carefully. Far too many individuals simply skip over the terms and conditions from the banks and issuers and suddenly find themselves having to pay rates and fees that they never bargained for. Don't make this expensive mistake. We hate surprises.
Balance transfer fees are pretty much a foregone conclusion. Almost all issuers charge them. They usually run around 3%. But as for annual fees... there is no way you should pay for these. If a 0% APR balance transfer credit card that interests you has an annual fee, skip it. Look elsewhere. Make sure that the credit limit will cover the amount you want to transfer as well. Following these steps can mean substantial savings. And I'm all for that.
As a financial advisor, Morgan Hamilton dispenses helpful advice and valuable tips with regards to the credit card industry including information about finding a quality 0% APR Balance Transfer Credit Card. Judiciously using 0% APR Balance Transfer Credit Cards can be an extremely effective way to save money. Get the information you are seeking and compare balance transfer offers at find-cards-now.com.
Paul's Hot Stock Picks For Wednesday, July 18th, 2007
HOT STOCK PICKS FOR JULY 18TH:
Featured stock pick ITT Educational Services (ESI) is quietly setting up in a 6–week flat base, and looking like it wants to go a lot higher. ESI provides post-secondary school degree educational programs. The stock carries earnings and relative price strength readings in the 90’s, it’s in an A+ industry group and it boasts a respectable B- accumulation ranking. Its earnings are scheduled to be announced on 7/26 before the open. This stock can sail really when it wants to.
PAUL'S MARKET COMMENTARY FOR July 18TH:
A day after the indexes hit record highs, a plethora of negative news hit the wires and drove the indexes lower today. The news included everything from the Fed chief Bernanke’s testimony that conditions in the sub prime mortgage area had "deteriorated significantly" and delinquencies and foreclosures are likely to worsen, to Bear Stearn’s comments that there's "no value left" in its two failed hedge funds. Then too, Intel and Yahoo! fell short of forecasts, or indicated they were about to. Although at times the market seemed to be on the ropes and volume indicated clear distribution or institutional selling, things could have been much worse. Indeed, the market had had five days of successive gains and was perhaps due for a pullback. And even with Bernanke’s bad news, he indicated that growth might pick up next year. Then too, today’s consumer price index bore inconclusive evidence as to any huge inflation threat. Clearly the market indexes are stubbornly resisting a downturn at this point, even as the Dow struggles to overcome the psychologically significant 14000 mark. In the upcoming days, the stream of incoming earnings news will tell the tale, so keep your ear to the ground with any of our stock picks that you might be trading. As for economic news, look for tomorrow morning’s leading economic indicators, the Phila. Fed manufacturing index, and the very important Fed Open Market Committee Meeting.
FEATURED STOCK PICK HIGHLIGHTS FOR LAST WEEK :
Our featured hot stock picks weathered today’s storm well. Over the past couple of day, a few of our stock picks broke out or attempted breakouts and were beaten back like Terex Corp (TEX), China Medical (CMED), Google (GOOG), Atheros (ATHR), Intercontinental Exchange (ICE) and others. Meanwhile a few stock picks like Creditcorp (BAP) managed to surge higher. All in all, today’s price action left many stocks little-changed, and ready to move higher if market conditions remain favorable.
For many more hot stock picks and exact buy points, please visit: http://www.StockConfidential.com/
Managing Student Debt
What does it mean to consolidate?
Giving all your loans to a company which then charges you 1 monthly rate is called consolidation. One of the many benefits of this is obtaining a smaller monthly fee.
Other Benefits:
Getting a lower interest rate is only one of the benefits of consolidating. The following are a couple more of them:
-Only one payment a month: Instead of writing multiple checks to all your lenders, consolidation makes it possible for you to write only one check.
-Spend less: You can reduce your monthly payment.
-Obtain higher credit: Once you choose to consolidate, your new lender pays off all your previous debts and merge them to produce 1 new one. Since your previous debts got paid off, your credit history looks better.
-Lock in your rate: When you consolidate your interest rate is locked in. This protects you from future increases.
Consolidation loans are great because obtaining them is so easy. You don't need to be employed or have collateral or a cosigner to consolidate your loans. They don't even cast a glance at your credit score!
Disadvantages of Consolidating:
There are usually disadvantages to every decision. Explore the ups and downs of consolidation before you join your loans. The following is a list of some drawbacks to consider:
-Occasionally interest rates will plummet. If you chose to consolidate, your higher rate will be locked in.
-Once you consolidate you can't unconsolidate.
-New terms: Your new consolidation loan will have different terms than your old loans did.
-More interest: Extending the repayment period of the loan will result in you paying more interest.
You know the pros and cons of student loan consolidation, you ought to know whether or not you are eligible for one of these loans. To qualify for federal student loan consolidation, there are a few requirements. You must have more than $10,000 in outstanding federal student loans. You must be graduated as well. Lastly, any defaulted federal student loans must be repaired before consolidating them.
NOTE: Use of this article requires links to be intact.
To learn more about Student Loan Consolidation visit our Student Loan Consolidation page. Being a college student herself, Elise Fisher enjoys writing articles to help college students learn more About-Student-Loans.com.
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