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Common Unhealthy Activities

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Humans have so much potential, but we so frequently squander it through laziness and self-destructive behavior. We make short-sighted decisions, selling out our futures for immediate pleasures. For example, take the person who eats a delicious cake today only to sulk over their obesity tomorrow.

These unhealthy behaviors lead to so much unhappiness and depression. We choose to engage in the unhealthy behaviors, which means that the unhappiness and depression is avoidable! Following is a list of 3 very common unhealthy activities that cause a lot of self-inflicted damage to humanity:

Television – Television is possibly the worst addiction in society. It engulfs so many people so much. So many people waste hours per day sitting slothfully in front of a TV melting their brain and growing fat and weak. For the most part, the TV is full of mindless garbage. Television is perhaps the main reason why people are reading less and less, and becoming dumber and dumber. Imagine how much better off you would be if you gave up TV.

Overeating – Overeating is indicated by the huge levels of obesity. It is physically unhealthy, because it increases physical risks such as the risk of a heart attack or heart disease. It is emotionally damaging, because obesity decreases self-confidence. The main cause is that people look to food for comfort and pleasure. People frequently overeat and indulge in unhealthy food to make themselves feel better. For some people, eating is their main hobby. Try to give overeating up completely. Teach yourself to eat to live, rather than live to eat. Find other healthy ways to get pleasure. For example, you could join a club, or go play games or sports, such as bowling or pool. Stop yourself from turning to food when feeling bad, and find a different way to cheer yourself up.

Needless Shopping – Materialism and needless shopping are major problems for many people, and are one of the main reasons most Americans live in debt. Unfortunately, corporate America uses commercialism to increase consumerism. With credit cards in their pockets, people buy a bunch of useless material goods and novelty items. They buy overpriced clothes. They buy extra-fancy cars that they can’t afford. In line with so many other short-sighted and impulsive decisions, people put themselves into debt buy overspending on things that will make them a little happy now, resulting in bills that will cause much trouble later. Consider giving up your credit cards, and adopting a more simplistic lifestyle. Consider only buying things that you need. Beyond food, clothes, shelter, healthcare, and education, consider spending as little as possible. At the very least, before buying anything, ask yourself if you can really afford it.

You can change your life today. Imagine how different a person you would be, and how different your life would be, if you gave up television, overeating, and needless shopping. You can do it, so why not? Give up unhealthy, short-sighted, addictive, and self-destructive habits, and instead engage in wiser and healthier desires. Whatever you do, good luck!

Credit Repair and Credit Scoring by Dan Beck -Scam

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Intro

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Read first..} I’m a student who has just finished university. Obviously, as most other just graduated students, I have a debt. My credit card has been my one and only big friend throughout the years and I can understand anyone that feels or has felt the same way! I envy the strict disciplined people that have no problem with money management and keeping an eye on what comes in and what goes out every single day. In short, the credit card has been {extremely

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Comparing 0 APR Credit Cards

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With all the introductory 0 APR credit cards popping up all over the internet in emails, on websites as advertisements and even in the regular mail through flyers, it is very hard to decide which credit card company is really offering the better deal in the long run. The introductory offers all look great but what happens after they expire? Do not take the introductory offer for 0 APR credit cards at face value. Above all, do a bit of research before you make your decision.

There are so many different 0 APR credit cards being offered that you can become overwhelmed. Today, you can find several companies offering 0 APR credit cards and other incentives to get you to apply for their credit cards.

The four most popular offers today include:

Citi Platinum Select Card You must have excellent credit or you will not be approved for this 0 APR credit card. The card offers 0% APR on balance transfers and purchases for your first 12 months. There is no annual fee, you can manage your account online, and there is zero liability on unauthorized purchases.

Chase Platinum Credit Card – With the Chase Platinum credit card you can be approved for their 0 APR credit cards but you must have at least good credit. You’ll get 0% interest on all purchases and balance transfers for up to 12 months. However in some cases 3 months is all you get for 0% on balance transfers (your credit history comes into play). Regardless, you won’t have to pay an annual fee and you can also access your account online. Whether you qualify for 3 months or 12 months of 0% interest, you will be paying a competitively low APR after the introductory special.

Discover Platinum Card With this 0 APR credit card you will receive the 0% introductory special for 12 months on purchases and balance transfers, with no annual fee and 5% cashback on purchases made at certain stores such as bookstores, gasoline stations, and restaurants. You’ll also get 1% cashback on all other purchases and the cash rewards will never expire as long as you are a cardholder, and in some cases, you can even double your cashback bonuses. Keep in mind, that you will need to have excellent credit to qualify for this offer.

Blue from American Express is one of American Express’ 0 APR credit cards that will give you 0% for up to 15 months, no annual fee, a credit card reward program as well as online account access. Once again, you must have excellent credit to be approved.

This is the information that you will first see when you visit the websites for these card offers while you are searching for the best deal on 0 APR credit cards, however, you should never apply with this information only. Be sure to learn if any of the points or cashback options have expiration dates, and above all, always be sure to thoroughly investigate the card offer’s terms and conditions before applying.

The importance of paying your credit card from Sears in time

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The Bad and the Ugly
One of the leading credit card companies, Sears has had a massive list of defectors based on its unexplained penalty rates on late payments. Like many credit card companies, it has become a nasty trend to increase interest rates due to late payments, without any particular due process. Granted, these credit cards are useful, and highly necessary, but taking advantage of its clients is in really bad taste. A sears employee confessed on how an applicant applies for one card then ends up getting three, all in the name of boosting sales. Its a nasty trend which essentially moves to caution on the risks of taking credit cards without proper consultation.

A sears card holder does have a bunch of perks to look forward to though, occasional promotions, zero interest rates, plus other perks that come with the card. These are the kind of things that a sears card holder can take advantage and pounce on. It’s not all doom for card holders, seeing as it does have its fair share of purchasing advantages. The problem only comes in when you’re let on a payment, in which case it’ll cost you, big time!

So what are we looking at here? The idea is to know the specifics before you sign anything. Don’t pull up monthly payment plan that you can’t keep up with, and before you get a card, make sure you specify to the sears employee that you want one and not three. Be extra attentive to the fine print, that’s how you end up digging your own grave. The plan is to be constantly aware of your financial health, and your ability to keep up with your payments. Also keep in touch with any of the sears employees to know if and when they change the due date for your payments. A late payment, even if you weren’t informed of the change in due date, may cost you from around $25 to as much as $39.

Avoiding late fees is a full time job, even for the ones who are never late! The plan is to keep reminding yourself that if you’re late Sears will screw you over! If the given due date is giving you a hard time, then change it to one that is more convenient and that coincides with your pay plan. Then keep a low balance, an average late fee is about $26, keeping a balance of under $100 significantly reduces that figure.
So why is it important to pay in time?

After two or three late payments, your sears card interest rate goes up.
If you fail to pay up then you automatically become high risk, then they’ll ultimately reduce your available credit.
Decreased credit means decreased credit score. This means your likelihood to get credit goes lower with each penalty you incur.

Sears is no different from other card companies; it’s a good investment, as long as you pay up in time.

Ready Debit Prepaid Cards – Reviewed

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The Ready Debit prepaid Visa card is issued through MetaBank and has many benefits. When you sign up for the Ready Debit card with direct deposit you get free online bill pay, free online check writing, access to over 1 million ATMs and no overdraft fees.

The Readydebit card is a prepaid debit card, this means that you must load money onto the card in order to use it. You can do this via direct deposit, Visa ReadyLink and Green Dot MoneyPaks. You can also transfer money directly from your checking or savings account.

You must deposit money on the card in order for you to access the funds. The amount of money which has been transferred to the card minus purchases, fees and other transactions equals the amount available to be used for transactions. This is a nice benefit of prepaid cards because then you are not spending more than you really want to.

Unlike credit card companies which encourage you to borrow money and pay interest and other fees on the borrowed money.It is only good for the amount which you have loaded. They offer two plans; the Basic and the Select. There is a one-time, $9.95 card issuance fee with both plans.There will be a monthly service charge of $4.95 with the Basic plan and $8.95 with the Select plan.

For a $10 you can request a second card with the Select plan; however, this amenity is not offered with the Basic. You may also request a replacement card for a $10 fee. PIN transactions will incur a $.95 charge with the Basic, but are free with the Select.

Also, ATM withdrawals in the United States will cost a $2.25 fee while ATM withdrawals outside of the United States will cost a $5 fee. Balance inquiries within the United States will incur a $.50 charge with the Basic, but are free with the Select.

In addition, there are many free services with both plans, such as signature transactions, negative balance fee, direct deposit, online customer service, and automated phone support. You may not transact purchases or otherwise decrease the amount of the card by more than the balance of the card.

Also, the maximum amount you may withdraw from ATM machines each day is $500. A $2,500 per day spending limit is placed on the card.Electronic statements are available online. Paper statements are available, however, there is a $2 fee/per statement for this service.