Best Prepaid Credit Card Features

The best prepaid credit card is one that allows you to rebuild your credit while helping you to avoid all the extra charges and pit falls of regular credit cards. In today’s economy this is an important and valuable alternative.

It is legitimately argued, that the credit card mess was widely due to people buying things with credit that were way above their means. However, there were also people who were responsible consumers that simply got into trouble due to timing rather than careless spending. Even a day or two late, a computer glitch with an online payment, etc. tacked on an extra thirty-five dollars in late fees plus interest charges. Some card companies even offer convenient online payments, but charge a fee to do that as well. Soon you’ve spent more in fees than you ever spent in merchandise. The best prepaid credit card is the one that helps you avoid all this nonsense.

To find the best prepaid credit card, one must do some responsible research. The Internet can be a great resource for information on prepaid cards. You can also check with your local financial institutions to see if they offer prepaid credit cards. Be sure to ask questions about policies, fees and any possible benefits.

One of these possible benefits should be a credit building program. Since prepaid credit cards are essentially cash secured, really, they are just like a debit card, the best prepaid credit card would eventually allow the cardholder to show good credit management at very low risk to the card issuer and gradually extend non prepaid credit to the cardholder, thereby raising the credit score. As far as fees go, most prepaid cards charge a small fee to open the account, much like a regular bank account, and will generally charge a fee for redepositing money into that account once the initial amount has been used.

Regardless of the benefit, it is still important to choose the best card for the individual and remember to always read the fine print. Be careful to avoid scams and unknown or unfamiliar financial institutions and never allow yourself to reenter the pitfalls that caused the issue in the first place.



Source by Louis Zee

5 Video Games You Should Play Before You Die

5.) Halo 3 (2007)

Why: The Halo series is one of a kind. It brought friends together to blast one another in an epic space combat. Halo 3 is perhaps the best of the series when it came to the glorified multiplayer, with a dramatic storyline with absolutely no shortage of opera music cues and a hardy character customization. Many titles still try and replicate what Halo did and it just can’t be matched.

4.) Minecraft (2011)

Why: Minecraft is one of the best-selling video games of all time, so you would have to be living under a rock as a gamer to have never come across it. You get to create your own world basically and do whatever you want. If you think it, then you can create it. The nice thing about Minecraft is it is offered on almost every platform, including smartphones. This game is good for letting your mind wander and become an artist.

3.) Super Mario 64 (1996)

Why: Mario is one of the most known titles, but anyone can tell you this might be the best game in the franchise. The game is not like any of its predecessors because this was the first 3D platform game in the series. It is a bigger world than the ones before and the additional moves and jumps Mario can do makes the game fast-paced and more exciting. There are a total of 120 stars and the game has a ton of replay value. Mario platformers are still being made today and none of them still cannot come close to how good this game was.

2.) Legend of Zelda: Ocarina of Time (1998)

Why: Everyone has their favorite Zelda game, but Ocarina of Time encompasses the best features from the glorified series. There is a huge world that you have the freedom to explore, a magnificent score, and a truly remarkable origin story. The dungeons are not too challenging, but intricate enough to not get too mad when you can’t figure a puzzle out.

1.) Pokémon X and Y (2013)

Why: Whether you are a kid or an adult, with this franchise that never seemed to matter. Pokémon revolutionized what it meant to make characters like Pikachu come alive. They modernized the handheld multiplayer gaming and made it what it is today. X and Y is one of the newer titles, which is great because the game never stops using the old characters the adults grew up on.



Source by Clayton Carlisle

5 Auto Repair Readiness Things You Must Do To Winterize Your Vehicle

Winter is coming, and just like you'll want to take steps to winterize your house against the cold weather, you should also prepare your vehicle against the onslaught of old man winter. Winterizing your auto is not difficult or too time-consuming. Most of the steps can be done on a do-it-yourself basis. The time and trouble spent following a simple winter prep routine will allow you to drive more comfortably and confidently when the cold weather hits. Here's a list of things to consider.

Engine Oil

Changing your engine oil and filter at the beginning of the cold season is a good idea. If you live in an area where the temperature drops below freezing, you might consider running thinner oil during winter. If you typically use 10W-30, switching to 5W-30 will provide better engine protection when driving in cold weather. If you're currently using conventional motor oil, consider the benefits of modern synthetic oils. These have been shown to give better anti-friction protection and allow for greater time or distance between oil changes.

Tires

Make sure you have the appropriate tires for winter driving is critical, especially for drivers likely to encounter snow and ice. Good all-season radials may provide adequate all year driving performance in areas where snow and ice are only a minor concern. Just make sure there's plenty of tread, with 2/16 "being the minimum.

In locales where snow- and ice-covered roads are typical, specialized snow or winter tires are recommended. This means having two separate sets of tires for your vehicle and switching them out at the beginning and end of the winter season. Keeping track of which tires were removed from which wheels will enable you to incorporate your regular tire rotation routine into the swapping over process.

Battery

Car batteries require more power to start an engine in cold weather and the preventive maintenance you perform now can save you from being stranded later. Batteries need to be topped off to the full level line and should have a charge of at least 12.4 volts. Make sure your battery cables are in good condition, with no cracks or cracks, and that the connectors are clean and fit tightly to the battery terminal posts.

Fluids

An automobile requires a variety of different fluids to perform properly and these should be checked to ensure that they are at the proper fill-level. These include power steering fluid, transmission oil and brake fluid. For proper winterizing, windshield washer fluid should be topped off with a solution that contains anti-freeze or some other additive that will prevent the fluid from freezing. This is also a good time to check the condition of your windshield wipers and to ensure that the nozzles that deliver the windshield spray are not plugged and are properly aimed for good coverage.

The radiator should be checked for leaks and filled with the proper mixture of water and anti-freeze, determined by the temperature in the area you'll typically be driving. A radiator flush is not a bad idea either, and will extend the life of this critical component.

Exterior Treatments

If your car's exterior has suffered any recent damage that has not been repaired, it's best taken care of before winter sets in. The harsh weather combined with salt used on roads will accelerate any rust or corrosion developing in the area of ​​a dent or ding. A good cleaning and polishing of your auto's exterior will provide wintertime protection from the elements, and should also be considered.

These five items are a good place to start your auto repair winterizing and should be done before the first frost. These preparations should give you peace of mind and should help to ensure trouble free winter driving.



Source by Ron Stockton

Saving Money When Traveling

Traveling, particularly overseas, can be a great experience. For many people, it can also be an expensive one, which means you need to know how to save on expenses.

For many people, traveling is the ultimate method of rejuvenating their zest for life. On one hand, you get away from the constant interruptions of daily life that occurs at work and home. On the other, you get to see a whole different way of living in another location, even if it is in your country. The only problem with traveling, of course, is it can put a whammy on your bank account.

Saving money when traveling is not as hard as you think. The number one thing to remember is that practically everything is negotiable. If it is not, such as the cost of flights, there are often timing issues that can result in savings. While there are hundreds of tips, here are a few you might be unaware of.

Traveling in a group is a great way to save money. Businesses in the travel industry like groups because they represent a pool of guaranteed money. If you can swing a group of 10 people for a trip, hotels, cruises, guides and such will provide you with their services for free. Just you, not the entire group. This may sound like a strange strategy, but it can work if you are mad about some location. You simply offer to provide a guided tour to the area and do some marketing. The cost of your trip is next to nothing and you may be able to write-off much of the remaining expense on your taxes. Of course, make sure to run it by your accountant.

When it comes to hotel bookings, it is important to understand that the price of every room is negotiable. A hotel assigns four, five and even ten different rates to each type of room they have. Obviously, they want to get the most for it, but they offer all types of deals to attract bookings during slow times. The best way to take advantage of this is through online hotel booking sites. Since these sites move massive quantities of bookings, they usually get the lowest or close to lowest prices. You just need to compare prices, point and click.

If you are traveling somewhere by plane, you are inevitably going to need ground transportation. Car rentals at airports tend to be price compared to in town options. If you must rent at the airport, the best way to get a deal is through your frequent flyer miles. Rates can be half as much as those posted at the desks. If you do not have frequent flyer miles, try to book through the online sites for the various rental companies. A number of them will be offering specials that can really add up to significant savings.

Taking small steps to save money on trips can make all the difference. Follow the above advice and you should see less of a drain on your bank account.



Source by Richard Chapo

7 Scenarios Wherein a Car Insurance Claim Might Get Rejected

Car insurance is a mandatory investment as the law. Therefore, a large number of car owners opt to pay a premium for a car insurance policy to safeguard their cars against a possible collision. However despite this, a majority of their claims are rejected by companies. This is because people are unaware or rather ignorant to the intricacies related to car insurance. Therefore, a major chunk of car insurance claims are rejected. To stop this from happening, let’s go through a list of reasons where a car insurance claim might get rejected:

1. Intimating your insurer late or not at all: Please be informed that your claim is destined to be rejected if you fail to inform your insurance provider in the stipulated timeframe. On an average, you should update your insurance company within 48 to 72 hours from the time of accident or collision.

2. Driving under the influence of alcohol or any other drug: This one is a no-brainer but still most people are negligent about it. If you are driving when you have consumed alcohol not only are you breaking the law, but even your insurance company will refuse to cover in case of an accident.

3. If your car is being used for commercial purposes: If you have a private car and it is being used for any commercial use such as being used to carry goods or passengers than your car insurance provider can reject your claim. This is because there are different policies for Private car and commercial vehicle policies.

4. If you drive without a valid license: In case you or anyone driving your car is driving valid license and face an accident then your coverage becomes null and void. Therefore, ensure you renew your license on time.

5. Starting the repairs before inspection by insurer: When you intimate your insurer about the collision or accident, a surveyor will visit you to inspect the condition of the car and authenticate your claim. Without this inspection, the insurance company will be unable to trace the degree of the repairs and estimate the cost involved. Therefore, your claim is bound to be rejected.

6. Failing to transfer the policy from the previous owner: There is going to be some verification during the claim process. In case, the car insurance policy is not in your name then your insurer has the right to refuse your claim.

7. An Electrical or Mechanical Breakdown: In case your car is damaged without any external collision due to some electrical or mechanical breakdown then you are not covered by your car insurance policy. In this case, you will have to shell out some money from your own pocket.

Next time be more careful of all these reasons and ensure you make maximum utilization of your car insurance policy.



Source by Pranavi Jain