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

Do You Know Why Party Bus Rentals Are So Popular?

Whether you are planning your wedding, your hen or stag night or you are just looking to have some fun with your friends a party bus rental may be the solution you are looking for. There are so many benefits to hiring this type of transport when you are spending an evening out or you are celebrating a special occasion.

You can use the bus to get from one club to another, from one party to another or even to transport your guests from your wedding ceremony to the reception, if you want them to start celebrating early and having some fun in the process.

The first reason why so many people choose to hire a party bus is that it does make a good impression. Seeing that bus pull up is not something everyone expects and within the shortest time everyone is having fun, dancing and getting ready for their celebration.

You can invite a larger number of guests knowing that you will all be traveling together and not worrying how everyone is going to get to where they are going. The company will advise how many people the bus can accommodate and you can work your guest list accordingly. A great way to make sure that everyone has fun as a group.

The risk of being fined a DUI is also reduced. When you are heading out for your hen or stag night, you don’t want to have to have that one friend that turns into the responsible driver for the night. With a party bus rental, everyone can have fun and you don’t have to worry about the risk of that one person that may try and drive home. The driver is professional and experienced and they will make sure that everyone gets back to their destinations safely, so you can just sit back and relax.

One of the hardest things when planning a night out on the town or a night of jumping from one club to the next is getting everyone to leave and arrive together. With the party bus rental you know your guests are going to be together throughout the experience. It adds a fun element to the experience, while ensuring that everyone remains safe at all times.

If you are planning with a group and everyone is putting money in, you will find a party bus rental can work out a cheaper option for transportation for the night than some of the other options available. You could hire a few stretch limousines or you could hire taxis for the night, but the bus provides fun, excitement and affordable pricing all rolled into one.

With the party bus rental you can choose various drop off and collection points, the same as you can with a limousine or even a taxi. This means that all guests are dropped safety at their door, which eliminates any risks of them driving or trying to drive, possibly getting arrested and being fined.

Finally is the benefit of the inboard amenities. Most of these party buses come with television screens, DVD players, a fully stocked bar and so much more. They are a complete entertainment experience on wheels and definitely something to consider when planning your next event.

It is important to ensure you choose a party bus rental service that are experienced in the local area with a wealth of experience. Check that they have a proven track record and do some research, finding customer reviews you know you can trust in helping you decide whether to go ahead with the booking or not.



Source by Vince Zogovich

7 Specific Ways to Distribute Your Finances to Achieve Long Term Wealth

Ask the average person what money management means to them and the usual response will be along the lines of ‘Pay off all the Bills on time and try to save whatever is left over.’ – Not very inspiring nor sound like much fun huh? Here I outline a simple way to change the way you look at and treat money. An efficient and practical way to manage and monitor your finances and get out of debt, which is also fun and if done consistently…the long term rewards will be extraordinary.

Below are the 7 ways you should be distributing your money. – If you can, setup 7 separate Bank Accounts for each specific use, otherwise 7 Jars, Boxes or any feasible containers will work just as well to get you started. Be sure to do this on a regular basis which you must maintain i.e. Either daily,weekly or monthly.

1. Investments:

Allocate 10% of your money to be put aside solely for Investing. Only ever use these funds to purchase Investments. These investments should either generate you ongoing ‘residual income’ or capital appreciation/growth i.e. sell on for a profit. Once you gather enough funds/capital, purchase the respective investment and then start building up again until you have enough for the next one and keep repeating the cycle. This is by far your most important fund as it this that will ultimately work towards achieving your Financial freedom/Independence.

2. Long Term Savings:

5% of your money should be allocated for ‘one off’ purchases such as Cars, Clothes, Home Furnishings, Home Improvement, Home Entertainment. This should also be used for Vacations abroad/long getaways.

3. Long Term Expenses:

Another 5% should be allocated for any ongoing small Debt, usually Credit Cards or small Personal Loans.

4. Necessities:

These are your major living expenses and thus 55% will be allocated to this; Mortgage/Rent, Car Loan, Utility Bills, Food, Petrol/Travel Expenses, Subscriptions…you get the picture…

5: Education:

10% of your money is to be allocated to your continuous learning of Financial intelligence and Personal Development. This is very important as you can never stop learning and improving yourself. This would include; Books, DVD/CDs, Seminars, Workshops, required Travel and Accommodation expenses, Training Material and so on…

6: Fun:

This is another important fund. Life as you know is too short and if you don’t treat/reward yourself every now and again along the way, it can feel very laborious and get very boring. – 10% of your money goes here and at the end of every week/month/quarter you must blow the whole lot on a treat of your choice e.g. your favourite restaurant, the theatre, spa treatment. – You are only limited by your creativity…The idea being that you really enjoy yourself and acknowledge that you have put money aside specifically for this, and you don’t feel guilty about it!

7: Charity:

Wealth is to be shared, 5% goes towards giving back to those more needy. You can either make this a regular contribution or save and build towards a large donation to charities/causes of your choice. – The more you give back, the more you will receive…

Please don’t presume you need a lot of money to start doing this either, because you do not…You can start with very small amounts, the importance is making it a habit. Even starting with a small amount, the law of compounding will slowly grow it into something substantial. Teach this to your kids from an early age and just watch how quickly their financial intelligence will grow as well as their fortune!



Source by Anthony L Wong

Magic Formula Investing to Improve Financial Returns

Magic formula investing is an effective investment method outlined by Joel Greenblatt. This technique helps to make good money within short investment period. This investment became more popular in 2009 because of its unique features and procedures. There are certain facts that need to be considered before investing in magic formula investment program.

First, all the credit card debts need to be cleared before starting this program. Higher interest rates debts and auto loan should be cleared. This formula helps to get the benefit of constant return from the investment and all the procedures are mostly based on value investment techniques. Also, this investment plan is well enhanced with different trading amounts.

Second, before implementing this program, if a person wants to fund their account, then they should create an emergency account themselves. This emergency cash funds are very helpful during unpredictable expenses such as auto repairs or medical expenses. Also, emergency account serves as a great tool to evaluate the monthly expenses.

This formula depends on many important components, but building and maintaining the right investment portfolio is the critical component. The steps for building the right portfolio are choosing stocks with minimum market capitalization of about $ 50 million or more, exclude stocks of financial and utility companies, and exclude stocks of foreign organizations.

Selecting the right stocks with minimal market capitalization can be easily realized by following few steps. First, company's annual earnings yield and return on invested capital need to be determined. The stocks should be chosen by ranking them to find stocks that are above market capitalization threshold. The ranking can be done based on return on capital and earning yields per year.

Then, one can invest in stocks that are in 20 to 30 rankings in the list. In addition, the stock's performance should be analyzed in twelve months time-frame. The highest performing stocks start accumulating 2 to 3 positions monthly in a year. Every year the portfolio requires re-balancing and this inclusion selling poor performing stocks and sometimes even high performing stocks.

Poor performance stock need to be sold before one week of the one year mark and the high performance stocks can be sold after one week from the one year mark. By systematically following these methods for about 3 to 5 years, one could easily enjoy the benefit from this investment technique. This investing method is the best turnover strategy and it is very simple to understand. This strategy is totally logical, simple, straightforward, and gives exceptional out-performance.



Source by Alex Garcia

Life at the Click of Some Buttons

Technology has completely improved out world. We are no longer subject to slow communications or the huge and broad distances of the World. Because of technology we are able to access things we have never been able to access before and everything just gets better and better. We are now improving the amazing technology we already have. Computers are one of the most useful things we have, and each day people are inventing new things for computer use. Thanks to intelligent and creative people we improve on computers. Recently, there have been many additions to the World of computers and everything is just improving rapidly.

The first amazing invention was the internet. Internet really has opened up a completely different world. We can now access things from around the World. It is so much easier to communicate with other countries and not only that it is easier to entertain yourself. With the invention of the internet we are now able to enjoy so many things online. You can watch movies, you can watch TV shows, you can even read books online! And music is just spreading like wildfire and cultural music is finding its own place in the world. Thanks to the internet we are able to interact with people everywhere.

Another great thing about computer is the amount of games you can play on them. Computer games are extremely fun and they come in any shape and form. You can play computer games online or you can even get CDs and install the game. You can play action games, or you can play games like SIMS. Everything in the gaming World is accessible by computers and that is bringing so many people together. It is amazing to see the online community of gamers and they are all really into the gaming scene. Without computers, these people would not be having as much fun.

The other thing that computers have made easy is doing all kind of work. Now you can type documents on the computer and have ways to edit it without wasting too much time or ink. You can also create spread sheets that can store incredible amounts of information and you can share all of this stuff with your coworkers. The other great thing about computers and work is that everything is literally in one place. You do not have to constantly worry about where all of your papers are because they will all be in one place. And there is a lot of space to store things.

Something that does get annoying is storing all of your information on your computer. How are you supposed to access these documents if you can not get access to your computer? Luckily, we have solved that problem too. With remote PC access software you can reach your documents on one PC anywhere! This basically means that you can search through your computer on a different computer. In fact, you can do this anywhere in the world, literally. It is a little slower because of the time it takes to send the information, but I am sure that will be fixed soon too.



Source by Gerrad Shaw