The Benefits of Cash Back Credit Cards
Posted by admin on Mar 31, 2010
Cash back credit cards offer customers cash benefits on certain purchases. The offers differ for different cash back credit card companies. Some offer higher rewards on purchase of selected items while some provide benefit on almost any purchase. Cash back credit cards are an alternative to saving money. The cash back credit card users benefit from the cash refund, on spending a particular amount.
Cash back credit card rewards vary from creditor to creditor. 1% is the lowest reward on cash back credit cards and 6% is generally the highest limit of cash back benefit. Credit card companies and banks generally place rewards on the purchase of some selected articles. Generally purchases made at gas stations, drug stores and grocery stores carry higher cash back percentage rewards, varying from 4% to 6%. Some cards require the user to spend a certain stipulated amount on the cash back credit card to be able to avail of the cash back facility.
Various Types of Benefits of Cash Back Credit Cards: Cash back credit card rewards can be of three types -
‘Discounts’, ‘Points’ and ‘Air Miles’.
Several credit card companies tie up with certain brands and companies and their customers avail of discounts when making purchases from these companies.
Credit points are points earned by the card user on or above the purchase of a certain amount. These points can then be used to shop at select stores.
Air miles are the bonus miles rewarded to the credit card users. Many airlines team up with the credit card companies to extend ‘Travel Rewards’ to patrons. After that, card users are rewarded with 1 mile for every dollar spent on the card. This again varies from one company to another. Some credit card companies even offer two miles for each dollar spent on the card. Some travel rewards include free hotel accommodation, discount on car rentals and credit to buy a new car.
Cash back credit cards provide special benefits to customers for a year. It is therefore advisable to choose one with a low rate of interest. Timely monthly payment of bills is equally important, to avail of the card rewards. Late payments have a negative rating on your ‘Intro APR’. This may lead to the special benefits being lifted from your card.
0% Interest Rate: Cash back credit cards generally the enable card user to receive 0% balance transfers for a year, after the user signs on. Many credit card companies charge balance transfer fees up to 4%.
0% APR: Under the 0% APR scheme, some credit card companies provide only balance transfers at 0% APR, while some offer both balance transfers and purchases. The time period for which the 0% APR is valid is again very important to identify. The best credit card companies generally offer 0% APR for 12 to 15 months.
Users must read the small print carefully when applying for cash back credit cards. It is better to compare the rewards offered by the different credit card companies and then invest in one that offers the best deal.
Joseph Kenny
http://www.articlesbase.com/finance-articles/the-benefits-of-cash-back-credit-cards-75221.html
When in Manila, go shopping – USA Today
Posted by admin on Mar 30, 2010
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When in Manila, go shopping
USA Today You can start your day with breakfast at a Starbucks, shop for groceries, grab an Asian buffet lunch, get a hair cut and a massage, then relax with the … |
Nautical Gifts or Home Décor For Boat Lovers
Posted by admin on Mar 29, 2010
We found some Nautical gifts that are unique, eclectic and eco-friendly items which not only help the planet but provide jobs to artists who use earth-friendly materials to create their products. UnusualHomeDecor.com’s CEO is pro-environment with a degree in environmental studies and is dedicated to offering the best in planet-friendly products on the market today.
Nautical Planters
The original nautical planter designs are boat planters that are stunningly beautiful. They are versatile and work as window box planters and are ideal to hang around the pool area to hold beverages during parties and can also act as beach towels. There are two different sized planters – 36″ half hull boat planter and the 15″ half-Hull boat Transom Planter. Both are made from fiberglass and are weather resistant with a long lasting design that is pretty much maintenance free.
They come with a durable finish of shiny while gel coat that is the same as what’s put on a real boat; as a result they will remain shiny for years to come even when exposed to bad weather. It comes with a choice of colors made of vinyl for the rubrail and double waterline, which adds a distinctive look and nautical flair. The planters lay flat and flush against a wall, railing or fence with a coco-fiber lining to help promote healthy plant life and come with or without drainage holes.
Nautical Bags
If planters aren’t your thing, why not take a look at the wide selection of nautical tote bags and accessories made of sailcloth. These very eco-friendly bags are made from recycled and reclaimed yachts that are imported from around the world. They are Urban Chic and Ocean Durable designs with write-ups in major magazines including the New York Post, In-Style, Forbes Life, and Sailing to name a few.
They come in rope tote styles with a star that’s red, blue or black, and Original zip total in blue, green grocery bags with blue, red and black numbers, an original sailcloth duffle bag with blue and orange trim and a couple of very unique items including a shower curtain and dog bed.
The rope tote is very durable with a sophisticated design that is all nautical with a bright star against a white Dacron Sailcloth and high-performance Kevlar Sailcloth. It is considered to be a gorgeous addition to the urban-chic in that it’s both functional and stylish while maintaining its durability and long life.
The Green Grocery Bag sports a sophisticated design that is a reflection of the nautical life again combining the hi-performance Kevlar Sailcloth with the crisp white Dacron and comes with different sale numbers and sail insignia from the actual yacht sails.
Nautical Home Decor
The shower curtain is a classic that any sailor or sailing buff would love to add to their bathroom. It comes with a hint of nautical presence and can be used with or without a liner. It is a large 72″ x 72″ for full coverage in the bathroom shower.
The nautical Dog Bed can hold two king size pillows (not included), comes with a zipper on one side for easy pillow inserting and is perfect for your four legged buddy to lounge or sleep on.
UnusualHomeDecor.com offers standard shipping via UPS Ground, and allows for all the major payment options: Visa, MasterCard and Discover. Paypal is also accepted.
Between the nautical planters, tote bags, shower curtains and dog beds, you can add just a touch of the sea to your home and garden, at affordable prices and enhance the unique style of your home decor. Unusual Home Decor offers a wide variety of gifts designed for the person who wants distinctive and different furnishings that are environmentally friendly and make a unique statement.
Kris Brand
http://www.articlesbase.com/sports-and-fitness-articles/nautical-gifts-or-home-deacutecor-for-boat-lovers-1200700.html
Are you an extreme Couponer? Do you know how to get nearly-free groceries?
Posted by admin on Mar 28, 2010
Thursday’s Nightline on ABC is showing how this guy hasn’t bought toilet paper in three years….I’m impressed and want to LEARN! If you know, will you please share YOUR SECRETS?!
I wouldnt say I’m an "extreme" couponer but I’m pretty darn close i guess lol What i do is right before grocery day i google the items i need to see if there are coupons available online especially the BOGOF those are my favorite! lol Also, your local circulars are your best friend, and if you eat frozen processed foods (i do not) those circulars will be a treasure trove for you haha Walgreens always has great coupons in their circular, and if you shop Walmart they will match anyones ads so that in itself can be a coupon 
I get most of my coupons out of my local Sunday paper, i get them for free because my husbands grandparents dont use them lol so lucky for me. To save yourself money only print at home the coupons you will def use because if ur wasting ink by printing coupons at home then you arent saving in money lol Good luck! Oh and one time i saved 32.00 on one ticket at Target.
Man wins $5000 in free groceries – Hometownlife.com
Posted by admin on Mar 28, 2010
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Man wins $5000 in free groceries
Hometownlife.com Three Michigan consumers are the lucky winners of “Free Groceries for a Year!,” courtesy of Michigan's farmers, following a 90-day sweepstakes. … Spotlight on food countersBusiness Times (subscription) |
Students win free groceries for year – Otago Daily Times
Posted by admin on Mar 26, 2010
 Otago Daily Times |
Students win free groceries for year
Otago Daily Times With $250 a week for the next 52 weeks to spend on groceries, the girls were overwhelmed with what they could buy. A normal weekly shop cost about $70, … |
Richardson vetoes $68M food tax measure – Carlsbad Current Argus
Posted by admin on Mar 24, 2010
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Richardson vetoes $68M food tax measure
Carlsbad Current Argus Bill Richardson made certain on Wednesday that groceries will remain tax free. The Democratic governor vetoed a proposed tax on food that the Legislature … |
Why cant everything in the grocery have a free sample?
Posted by admin on Mar 24, 2010
I like to sample the toilet paper before I buy it.
other than the toilet paper, your first part would be pretty cool. it’d be great to go have a little snack and a beer in the afternoon.
Shopping around for help – NewsOK.com
Posted by admin on Mar 23, 2010
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Shopping around for help
NewsOK.com Grocery IQ (sold by Free State Labs but associated with Coupons Inc., 99 cents) lets you make lists, including a master list, and lets you find coupons from … |
where free grocery coupons w/out download?
Posted by admin on Mar 22, 2010
would like free grocery coupons but don’t want to download anything?
The download is harmless and takes about one minute to complete, otherwise you have to buy newspapers or magazines and hope there are coupons you want in them. All the download does is let your pc talk to your printer to print the coupons. The benefit is that you can go to any retailer’s site and see if they have coupons you can actually use.