Making the Most Out of Your Credit Cards

Rewards: Make them useful

– It is possible to get a credit card that rewards users for not using the card at all actually. One actually offers enough gas rewards for a free oil change every so often.

– Get the best rewards for your lifestyle. If you are not a traveler, do not get rewards that are focused on hotel rates or airline fares. Find something like gas rewards or saving for college.

Be smart when it comes to balances and rates

– Try to haggle with the credit card company once you have built up a good customer history with them. You can call them up to try and to negotiate a lower interest rate, which has the possibility of saving you hundreds over the course of time.

– Pay off the card that has the highest interest, even if it is the one with the highest balance. Sometimes it may be more appealing to pay off the smaller ones first but you want to save on interest too.

– Be careful when signing up for “poor people” credit cards that are geared towards people with little to no credit. Often these cards have sky high interest rates or the amount of fees associated with opening these accounts is so high that the entire credit limit is used up by these fees.

– Do not carry a balance. Credit cards are meant to be used mainly for small purchases. If you want to finance, something like a car try and to get a loan that has a much lower interest rate instead.

Extra tips and tricks with the cards

– Invest in price protection. Many cards will give you the option to get a refund on a big purchase such as a computer if you can find it cheaper within 30/60/90 days.

– Cash back is usually a percentage of what you spend. Take advantage of the cash back and use that cash for whatever purchases you may want instead of the card.

– Get purchase protection for the items you buy but do not get the extended warranty because usually buried in with that protection is a warranty anyways.

– Invest in the program that will cover your payments if you become unemployed or something happens. This will not only save you money in terms of fees and over limits but it will keep your credit report clean and report you as up to date with your payments.

– Don’t always close old cards. This will lower your debt to credit ratio and could potentially hurt your credit score. If you’re dead set on doing it go ahead but don’t do it for the purpose of increasing your score because the opposite will be done.

Keep it simple

Don’t get in over your head with the credit cards that you have. Definitely don’t get more than 1 or 2 cards because then they may overwhelm you. Use them for their intended purpose and you won’t find yourself in deep water.



Source by Nancy Lowes

Would Having Cars That Drive Themselves Be a Good or Bad Idea?

Ever wondered whether you would always like to have control over your car or have it completely automated so that it drives itself? Would that be a good idea? Let’s dive into the discussion. Read on to find out.

Having a car completely automated would mean it will act as a robot in response to sensors and other activators. Would you like to give full control to your car and let it decide everything? Are you comfortable with the idea?

As for me, I am not. I would at least like to have control over my car via remote controls or something similar.

If my car drove itself, I wouldn’t be fully aware if it is responding correctly to sensors and activators all the time. I wouldn’t be aware of any problems it is facing until some damage or accident happens. So I am unwilling to take the risk especially if I am on a ride with my family.

What if a fully automated car could give me warning signs? The problem still exists in that whether I am able to fix the problem myself or even trace a gas station nearby. Again I am unwilling to take the risk and would like to have some control over my car.

It would be nice, on the other hand, to let all the burden of driving to my car itself. I would just have to give the instructions to the car and it would take me to my desired destination(s). It would be fun going on rides like that with friends and family as well but the pressure and worry would still be there at the back of my mind about the risks I have talked about earlier. So which type of car would you prefer?

Judging the pros and cons of having a car that drives itself, I have to conclude that it is not that great an idea. It is always great to let the glasses down and my hair down, be seated in the driver’s seat, look for traffic signals and carefully drive the car myself. I would like to have power over my beautiful car and actually drive it and enjoy.

Better still, a fully automated car should have the option of giving its control over to the owner of the car on the road so that he is able to guide it and actually drive it when things go astray. Having this option as well gives the owners of cars that drive themselves some level of relief, protection and safety.

What would be your opinion on this? Would you opt for a fully automated or partially automated version of your car? Think about it and I think you will agree with me.



Source by Rosina S Khan

7 Tips for Saving Money on Car Rentals

Renting cars does not have to be as expensive as you'd imagine and sometimes you can a great deal just by working with the car rental companies systems to get the best deal you can without compromising on the service you receive.

Car Rental companies have many complex operations and fees that they need to take into account when setting their rental charges so, if you know what these are and how to avoid them, you can get a car rental, very similar to the one you ideally want , at a greatly reduced price.

Follow these simple tips and use as many of them as you can while still getting the rental you need and you should be able to save a lot of money on your next car rental.

– Picking a Car up at the Airport

Car Rental companies have to pay what's called an "Airport Concession Fee" for all the cars they rent from their airport locations. This is basically a charge made by the Airport to the rental company to allow them to rent cars from the Airport. Obviously the rental companies pass this on to their customers, so if there's a rental location close to the Airport you can use, you could save money by booking there instead.

– Book the Most Popular Car Group

Car Rental companies have to manage a complex stock system to make sure they've got the right cars in the right places at the right time. The more popular the car group, the more difficult it is for them to maintain stock. Generally, if they do not have the car you booked they'll give you a free upgrade. This is because the larger, more expensive cars do not get booked as much as the smaller cheaper cars. If you book the smallest car that is acceptable to you, there's always a good chance of getting a free upgrade if you're picking it up at a busy time.

– Book Well in Advance

Because it's much easier to forecast how many cars they need if they've got all their bookings in advance, the car rental companies will very often have their cheapest rates loaded for rates well in advance, so book your car as soon as you know your travel dates and save more.

– Always Get a Discount Code

Apart from during peak periods (Christmas, Easter and the height of Summer), you should always able to get some kind of discount code, although you might have to hunt around a little to find it. Always check the terms of the offers as often, even though an offer might say it's for a weekend rental, you could still use the offer for other times. It's worth searching a little to find one.

– Watch Your Collection and Return Times

Another trick to watch out for is that most rental companies charge daily rates. That means if you pick up a car at 10am and take it back at 11am the next day you'll get charged for 2 days rental. Wherever possible try and ensure that your return time is always the same, or preferably just before your collection time. This way you'll never get charged the extra day.

– Where Possible, Book When They've Got Too Many Cars

If your travel plans are reasonably open try and book when they've got too many cars and you could land yourself an absolute bargain. Book just after Christmas and you could find that all the cars that have just been returned are very cheap to book. In car rental terms, a car sat in their car park is a huge cost and they'd rather let you have it very cheaply than just have it sitting there.

– Always Ask for More

The one golden rule to bear in mind is to always ask for more, the worst they can do is say no. When you get to the counter always ask if they have any free upgrades. Often, this prompt may be all they need to remember that they can not shift that big Mercedes out the back, and if you had it, they would not have to worry about it anymore!

Each one of these tips should save you some money the next time you rent a car. If you can combine all 7 of them into one rental, you'll be amazed by how little you need to pay to drive a very nice car for your rental!



Source by John Abrahams

Advantages of Cloud Storages

Utilizing an outer drive is the most generally utilized approach for having reinforcement stockpiling. The general population who mull over making utilization of distributed computing for this reason regularly think about whether the innovation is justified regardless of the exertion. Clients of the framework guarantee that there is no motivation behind why anybody must abstain from utilizing this framework as it guarantees different extra points of interest when contrasted with the ordinary techniques.

The way that one needs to spend an infinitesimal measure of cash each month for the utilization of cloud information stockpiling is one explanation behind potential clients to be reluctant. Notwithstanding, the accompanying advantages of the innovation are reason enough to guarantee that this cash spent is well justified, despite all the trouble.

Extensive storage space: The most fundamental preferred standpoint of utilizing the cloud is that one can store any measure of information, which is outlandish while utilizing drives. Additionally, the framework is to a great degree simple to use as the record is made in minutes, instead of the time and exertion spent on going looking for an outside drive.

No Physical presence: Once you have put away your information on the cloud, it turns into the obligation of the supplier to stress over its upkeep. Rather than purchasing and putting away those various outer drives, one just needs to remain associated with the web keeping in mind the end goal to get to the put away information.

Convenience of automatic backup: The clients of distributed computing don’t need to try guaranteeing that they have associated the outside drive to their PCs and that they take reinforcements at general interims. The settings on the cloud framework can be changed according to the client’s inclination with respect to whether the reinforcement ought to be taken various circumstances in a single day or once consistently. The main clear essential for the framework to be moved down is that the web ought to be associated and everything else is dealt with.

Easy restoration: In regular conditions, recovering and reestablishing a hard drive from moved down information is a long and awkward process which requires the administrations of a PC professional. The cloud clients are saved from any such burden as this reclamation procedure is made straightforward and brisk. On the off chance that at all the clients still have questions about taking care of this all alone, they can simply look for assistance from the suppliers and they will gladly oblige.

For such huge numbers of administrations, the little expense charged by the supplier ought to barely be a killjoy. One can simply be on the watch out for rebates and offers that are offered by cloud suppliers for new customers which chop down the expenses to an absolute minimum.



Source by Shail Ahmed