Super Ping

Many retail stores want to offer you a line of credit. But before you sign up to get 10% off your purchase and a free umbrella, you need to understand the effect that such cards can have on your creditboth good and bad.

“If you apply for a {fill in name of store here} credit card today, you will receive a 15% discount on your purchase.”

Oooh. What diehard shopper wouldn’t be tempted?

Lately it seems that every consumer purchase is prefaced with an offer to apply for a credit card. Not Visas or MasterCards, but cards issued with a retail store’s name on them for exclusive use at that store. J.C. Penney was one of the first retail stores to issue credit cards back in 1958. Since then, retail companies have recognized the profit to be made by operating their own credit card operations, as well as the instant punch in the arm to their marketing efforts. You’ve heard the spiel from the Gap, Kohl’s, J.C. Penney, Dillard’s, Target, Best Buy, Wal-Mart, Meijer’s, Banana Republic, Sak’s, Nordstrom’s, even Bloomingdales, and the list goes on and on.

The marketing hook? Discounts for the store’s merchandise along with other perks.

As with most things there are pros and cons for consumers:

Pros

Cons

Detweiler says to be very selective when applying for retail cards: “Limit yourself to one or two cards applied for during a six to twelve month period. Any more is considered a risk factor on your credit report.”

It’s a Balancing Act

So now that you know the pros and cons, how do you figure out if a retail store card is worth its weight? As always, you need to do a little math.

Find out what the APR rate is and add in any fees or minimum purchases required by the card. Then compare that with your potential store savings to make sure everything balances out. Are you going to have to spend more money than you normally would in order to earn the perks and discounts?

As an example: a typical card might have an APR of 19.80%, no annual fee and no minimum purchase requirements. The perks include 10% off your first in-store purchase and 10% off your first on-line purchase. You also get free shipping on all on-line purchases over $100. For every dollar that you spend in the store you earn one point; when you earn 350 points, you automatically receive a $15 reward card.

That’s a nice set of incentives. That’s also a lot of debt that you’re putting on a credit card in the name of discounted merchandise.

If this is a store that you frequently shop and you plan to pay off your credit card balance each month, you can enjoy these perks in the clear. However, if you carry a balance on your card, don’t even botherbecause a 19.80% APR on $350 trumps a $15 reward card every time.

Performing math is a lot to ask when you’re at the checkout counter with an armload of new purchases. But never sign on for a card without reviewing the fine print and finding out what you are signing up for. It might take away some of the fun of a shopping splurge, but in the long run you’ll be happier because you are safeguarding your credit and the benefits of having good credit - the ability to purchase a new home, for example. These things will bring you smiles down the road -more so than will 10% off that hip outfit from the Gapwhich won’t be so hip in a few months anyway.

Rebecca Lindsey is a Senior Staff Writer for http://www.cardratings.com/. She began writing articles about consumer credit issues for CardRatings.com in September 2000. Her articles have been republished and/or referenced by leading publications throughout the country, including Live Well on Less Than You Think: The New York Times Guide to Achieving Your Financial Freedom by Fred Brock.

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We all know that credit is important, but what should we do if we are in need of credit repair? I know if were to find that my credit was in trouble, I would want to solve the problem myself rather than pay someone to do it. Credit repair is a serious thing since your credit determines so much of your life in today’s world. Credit can effect your ability to buy a home, rent an apartment, buy a car, or even finance your new washer and dryer. That is why you should take credit repair very seriously. There are some steps you can take to help yourself by fixing your credit problems yourself.

The first thing you will need to do is find out if you even need credit repair. To do that you will need to get your hands on a copy of your credit report. That should not be difficult, since the government mandates that you are allowed to obtain one free copy of your credit report annually. You just have to ask the right people. You can either check out the website for the Federal Trade Commission or contact one of the major credit agencies directly. When you do, though, remember that it should be free and you should only have to supply your name, address, and social security number to get it.

Next, you will want to look over your copy of the report carefully. One of the easiest ways you can perform credit repair for yourself is to spot any incorrect information on your report. All of the agencies have ways you can go about making corrections to your credit report. Even if the information is just partially incorrect, you should take the time to get the credit repair made. Also, if something just doesn’t look right to you, ask the credit agency to give you the name and number of the institution that gave the report that you are not sure about. There is a chance you can work whatever it is out with the company, which can help with your credit repair even more.

Once you are familiar with the credit repair process for incorrect information, assemble what you need. Then, send it in to the agency to make sure they make the necessary changes and repairs to your credit report. Before you do, though, be sure to make copies for yourself. If the information is lost in the mail or even misplaced by the company before the credit repair is made, you will be able to easily make another copy and get it to them quickly. It is always a good thing to keep copies of everything so that you can track the progress of your credit repair.

If you keep getting rejected for loans or credit that you believe you should be able to obtain, it is a good idea to find out why. With the law allowing you one copy of your report a year for free, there is no reason you can’t make at least the easy credit repairs. When you obtain your copy of your credit report, you may be amazed at the incorrect or inaccurate information on there, and at how easy it is to get those inaccuracies corrected. Take the time and put in a little effort and you can do some serious credit repair without having to pay someone to do it for you.

If you would like the latest secrets on credit repair, or find more of my personal articles like the one you just read, visit my finance blog.

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When looking into the different types of reward credit cards, it is important for you to understand that there are a wide variety of reward credit cards to choose from. The type of reward credit card that is right for you is largely dependent on your own personal lifestyle and needs.

Airline Miles Reward Credit Cards

Airline miles reward credit cards are usually offered in partnership with a credit card company and an airline company. There are, however, some airline miles reward credit cards that have partnerships with multiple airline companies. Regardless of how the partnerships work with the credit card, the basic idea is the same.

Airline miles reward credit cards allow you to earn points or miles for every dollar spent with your card. In addition, many of these cards provide you with bonus miles for spending money at certain stores or on specific types of purchases. Most commonly, bonus points or miles are earned when making purchases through the applicable airline.

After earning a certain number of points or miles, you can then trade them in for free or reduced air travel with the applicable airline. With some airline miles reward credit cards, you might get to choose from a number of airlines. With other cards, you might only get to receive free travel from a specific airline. Therefore, it is important to choose your airline miles reward credit card in accordance with your preferred airline.

Some airline rewards credit cards also allow you to combine your credit card miles with frequent flyer miles. Often, it takes several credit card points to equal one mile in the frequent flyer program. So, you want to check into the conversion factor before you take advantage of this aspect of the program.

Airline miles reward credit cards also often offer other special rewards. For example, some provide free upgrades or companion tickets. In addition, they generally provide more travel related benefits then other credit cards, such as a higher amount of travel insurance coverage.

Cash Back Reward Credit Cards

Cash back reward credit cards are similar to airline reward credit cards, except the points you accumulate work toward providing you with monetary rewards. Sometimes, a point system isn’t used with cash back reward credit cards. Instead, you receive a certain percentage of your spending back. Just like airline miles reward credit cards, cash back reward credit cards may provide extra points or higher percentages to for certain purchases. For example, some provide more rewards for purchases made at grocery stores or drug stores.

The way you receive the cash back varies from card to card as well. Some cash back reward credit cards provide you with a check after you have earned back a certain amount of money. Others add your cash back directly to your credit card and help you pay off your balance. Still other cards may put the money into special savings accounts or interest-yielding accounts, such as college-savings plans or special accounts for purchasing a car.

Miscellaneous Reward Credit Cards

In addition to airline mile and cash back reward credit cards, there are also a number of other plans associated with these cards. Again, they generally involve accumulating points in order to earn rewards. With some reward credit cards, these points can be traded in for things such as gift certificates to stores, restaurants, or service providers. Some even have catalogues of items you can purchase with your rewards points. Yet others allow you to choose form cash, airline miles, or other types of rewards. These are generally the best reward credit cards because of their variety and flexibility. But, ultimately, it is up to you which type of reward credit cards is best for you.

For more information on different types of reward credit cards, Bert Roberts recommends that you visit CreditCardAssist.com.

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Along with Friends and Seinfeld, Kelsey Grammer’s Cheers spin-off, Frasier, dominated the prime time television landscape during the 1990’s. Grammer plays the role of Dr. Frasier Crane who, fresh off of his divorce from Lilith, moves back to his hometown of Seattle where he lands a gig as a radio psychiatrist. Frasier’s father, Marty Crane (John Mahoney), a Seattle cop recently shot in an attempted convenience store robbery is in need of physical therapy. Frasier and his brother Niles (David Hyde Pierce) make an effort to mend their relationship with Marty whose plaid shirts and penchant for sports and beer strikes a dramatic contrast with their wine club, opera house culture. After a little prodding, Marty and his dog Eddie (Moose) move into Frasier’s upscale apartment, and Frasier hires Daphne Moon (Jane Leeves), a housekeeper and physical therapist to look after the two cranes.

The Frasier Season 4 DVD offers a number of hilarious episodes including one episode (#77) where Niles’ head of hair becomes the good luck charm which turns the Sonics basketball season into one of playoff contention. Niles becomes an instant celebrity and wins over Marty’s approval… Bebe Neuwirth returns in her role as Frasier’s ex-wife, Dr. Lilith Sternin, in a special Thanksgiving episode where Frasier and Lilith join together to aid in Frederick’s admission to a prestigious school… In the season finale, a desparately single Frasier rushes to the airport to pick up a woman, Laura (Linda Hamilton), who mistakenly left a message on his answering machine…

Below is a list of episodes included on the Frasier Season 4 DVD:

Episode 73 (The Two Mrs. Cranes) Air Date: 09-17-1996
Episode 74 (Love Bites Dog) Air Date: 09-24-1996
Episode 75 (The Impossible) Air Date: 10-15-1996
Episode 76 (A Crane’s Critique) Air Date: 10-22-1996
Episode 77 (Head Game) Air Date: 11-12-1996
Episode 78 (Mixed Doubles) Air Date: 11-19-1996
Episode 79 (A Lilith Thanksgiving) Air Date: 11-26-1996
Episode 80 (Our Father Whose Art Ain’t Heaven) Air Date: 12-10-1996
Episode 81 (Dad Loves Sherry, the Boys Just Whine) Air Date: 01-07-1997
Episode 82 (Liar! Liar!) Air Date: 01-14-1997
Episode 83 (Three Days of the Condo) Air Date: 01-21-1997
Episode 84 (Death and the Dog) Air Date: 02-11-1997
Episode 85 (Four for the Seesaw) Air Date: 02-18-1997
Episode 86 (To Kill a Talking Bird) Air Date: 02-25-1997
Episode 87 (Roz’s Krantz & Gouldenstein are Dead) Air Date: 03-11-1997
Episode 88 (The Unnatural) Air Date: 04-01-1997
Episode 89 (Roz’s Turn) Air Date: 04-15-1997
Episode 90 (Ham Radio) Air Date: 04-22-1997
Episode 91 (Three Dates and a Breakup: Part 1) Air Date: 04-29-1997
Episode 92 (Three Dates and a Breakup: Part 2) Air Date: 04-29-1997
Episode 93 (Daphne Hates Sherry) Air Date: 05-06-1997
Episode 94 (Are You Being Served?) Air Date: 05-13-1997
Episode 95 (Ask Me No Questions) Air Date: 05-20-1997
Episode 96 (Odd Man Out) Air Date: 05-20-1997

About the Author

Britt Gillette is author of The DVD Report, a blog where you can find more reviews like this one of the Frasier (Season 4) DVD.

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A home equity credit line is a kind of loan which is secured against a property as collateral. It is a type of revolving loan which allows the borrower to loan funds at the time and in the amount the borrower chooses, up to a maximum credit limit for which the borrower has been qualified. The credit limit is usually determined by the total equity of the property, as well as the borrower’s ability to pay- evidence of which can include income, debts, other financial obligations, and credit history. Simply put, equity lines are revolving accounts much like credit cards that can be paid down or charged up for the term of the loan.

A home equity line of credit can be used as a borrower needs it up to the available credit line. Any portion of the loan can be used any time. The minimum payment due each month is interest only. Interests can be of the fixed or varied type. But it typically involves the variable type.

Home equity lenders can loan borrowers up to 85% of the appraised value of the mortgaged property in this type of loan. But if the borrower still owes a certain amount from the first mortgage, this will be deducted from the 85%.

Since the borrower’s home serves as collateral, they are wary in using this type of loan for day-to-day expenses, and instead use it for major items such as education, home improvements, or medical bills.

http://www.MyCreditRepairKit.net

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How do I get a Credit Card?

Getting a Credit Card is not as difficult as it seems. If you have recently graduated, or you are still in college, Credit Card companies see you as desirable and a good credit risk. In fact, you probably receive Credit Card offers in the mail quite often. Compare the terms and be sure to choose one with no annual fee and with the lowest possible interest rate.

How do I get a Credit Card with bad credit or no credit?

How do I get a Credit Card if I am not in college and I have bad credit or no credit? You can still get a Credit Card! Often the best way to get a Credit Card when you do not have an established credit history is to get a secured card. Orchard Bank is one of the major banks offering Secured Credit Cards. In most cases, you will have to send them money, usually about $200 - $250. They then issue you a Credit Card with that credit limit and often times up to double or more.

If I do get a Credit Card, what is the benefit? Why get a Credit Card if I have the money? The answer is to establish a good credit history. You can rent a car or hold a hotel room by using your Credit Card. You can make purchases without having to carry cash or having to write a check. If you pay the Credit Card bill off quickly, preferably in full every month. You will establish good credit and the unsecured Credit Card offers will start rolling in!

Praetor: http://www.how-do-i-get-a-credit-card.com/

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Did you apply for a personal loan only to be turned down by a bank or lending institution? Like most people there is always a need to borrow money to buy a car or to renovate a home or even to get a student loan. There are many reasons why people need a loan and lenders turn people down from a loan application based on ones credit rating and credit score. Fortunately there is a way to resolve this situation by obtaining a credit report and checking to see if there are any inaccuracies or items that should not be in the credit report. By cleaning ones credit report it begins the process towards obtaining credit and even better interest rates on loans.

With the costs of living on the rise and the limit that one has on earnings it is easy to understand why borrowing becomes necessary for a lot of people. However, care must be taken to ensure that when money is borrowed it can be paid back to the lender.

There are times when money is borrowed and the borrower has difficulty in meeting the loan requirements and payment schedule as was outlined at the time of obtaining the loan. If there is a good reason for non-payment of loan and if this reason is brought to the attention of a lender in a timely fashion, it is very likely that the lender will be accommodating and suggest a revised payment arrangement.

The problem arises when there is default in loan payments and when the loan is not repaid as agreed upon by borrower and lender. This then gets into the credit reports and becomes part of ones credit history and it becomes a problem for future borrowings.

However, it must be noted that often times there are errors and inaccuracies in ones credit report. These credit report errors can and do affect ones credit rating and places a person as a bad or poor credit candidate. It is therefore very important that the inaccuracies be dealt with and a clean credit report be in place after all the discrepancies in the credit report have been removed.

People with a bad credit report that have a need to clean up their credit have the law on their side which allows them to request a reinvestigation of information in a credit file and dispute it as inaccurate or incomplete. There is no charge for this. Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost. As per the Fair Credit Reporting Act people are entitled to a free copy of their credit report if denied credit, insurance or employment within the last 60 days. If an application for credit, insurance, or employment is denied because of information supplied by a credit bureau, the company you applied to must provide you with that credit bureau’s name, address, and telephone number.

You can dispute mistakes or outdated items in your credit report for free. Ask the credit reporting agency for a dispute form or submit your dispute in writing, along with any supporting documentation. Do not send them original documents.

Clearly identify each item in your report that you dispute, explain why you dispute the information, and request a reinvestigation. If the new investigation reveals an error, you may ask that a corrected version of the report be sent to anyone who received your report within the past six months. Job applicants can have corrected reports sent to anyone who received a report for employment purposes during the past two years.

When the reinvestigation is complete, the credit bureau must give you the written results and a free copy of your credit report if the dispute results in a change. If an item is changed or removed, the credit bureau cannot put the disputed information back in your file unless the information provider verifies its accuracy and completeness, and the credit bureau gives you a written notice that includes the name, address, and phone number of the provider.

You should tell the creditor or other information provider in writing that you dispute an item. Many providers specify an address for disputes. If the provider then reports the item to any credit bureau, it must include a notice of your dispute. In addition, if you are correct-that is, if the information is inaccurate-the information provider may not use it again.

If the reinvestigation does not resolve your dispute, have the credit bureau include your version of the dispute in your file and in future reports. Remember, there is no charge for a reinvestigation of your credit report.

Reporting Negative Credit Information

Accurate negative information generally can be reported for seven years, but there are exceptions:

• Bankruptcy information can be reported for 10 years;

• Information reported because of an application for a job with a salary of more than $75,000 has no time limitation;

• Information reported because of an application for more than $150,000 worth of credit or life insurance has no time limitation;

• Information concerning a lawsuit or a judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer; and

• Default information concerning U.S. Government insured or guaranteed student loans can be reported for seven years after certain guarantor actions.

It pays to view your credit report, check your credit score and to rectify any inaccuracies, which in turn will give you better borrowing power. Visit the following website now for more Info.
http://www.zen-design.org/credit-reports.htm

Julian Pereira has researched the problems associated with poor credit and offers suggestion on obtainging a free credit report and improving credit score. You can obtain more info at http://www.zen-design.org/credit-reports.htm

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Can You Improve Your Good Credit Overnight? Absolutely.

Perhaps you’ve been told that you were denied credit because of an insufficient credit file or no credit file and you have accounts with creditors that don’t appear in your credit file. If so, just ask the credit reporting agency to add this information in future reports.

Your credit file may not always reflect all your credit accounts. Although most national department store and all-purpose bank credit card accounts will be included in your file, not all creditors supply information to credit bureaus: Some gasoline card companies, local retailers, travel, entertainment, and credit unions to name a few, are examples of the creditors that often don’t.

Many credit bureaus will add verifiable accounts for a fee, although they are not required to do so. However, be aware that if these creditors do not report to the credit bureau on a regular basis, the added items will not always be updated in your file.

Here’s an Example:

Suppose you had bought a car from a dealer 5 years ago. And the cost for your car was $12,000.00, which you have paid off in 2 years. If you can show on your credit report the auto loan you’ve paid off, that can dramatically change your credit report. Therefore, what you can do is contact the car dealership and ask that your account be reported.
Or you can request a copy of your auto loan payment history to be mailed to you so you can mail it yourself to the credit bureaus. It’s also important to ask yourself why a certain account was not reported on your credit report.

Usually it’s because many small businesses avoid reporting to credit bureaus because it cost businesses money to report your payment history to credit bureaus every month. To put it simply, every business who wants to report their clients account payment history will have to subscribe to these credit bureaus and the subscription cost the business money.

Here is a sample Letter to Add Positive Information to Your Credit Record

About The Author

Jim Partridge is a staff writer writing for
http://www.allcreditcarddirectory.com/ The website is dedicated to providing alternative credit card options for people to consider.

You have permission to publish this article electronically or in print, in your Newsletter, on your website, or in your E-Book, as long as the author’s Resource Box is included with the article.

© Copyright http://www.allcreditcarddirectory.com/

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Here are ten simple tips to help you pay off your credit card debts sooner. First the boring bit: the first three steps are boring but vital. If you want to take control, you have to know what’s going on. Taking control of your finances can feel like a straitjacket, so plan in some light relief for when you achieve each step - but make sure it doesn’t cost much money. For example, when you’ve done step one, invite some friends round for a meal, or go for a walk in a favorite park, or treat yourself to time listening to your favorite album. Repeat your mini-celebrations as you achieve each step.

1. It’s likely that if you have a credit card debt, you’ve got some other debt too. But whether you have or you haven’t the first thing you need to do is make a total of all your debts. Don’t hide anything - don’t pretend it isn’t a debt. The more honest you are with yourself, the sooner you’ll get financial control back in your life.

2. Once you’ve got all your debts listed and totaled, make a check on all your regular outgoings for credit cards, food, rent, bills, gas, whatever - weekly, monthly and yearly. For the weekly and yearly ones, convert them into monthly figures. You should now have a clear picture of your regular outgoings as well as how much debt you have.

3. Now what’s your monthly income? This figure should be the amount that goes into your paycheck before anything else comes out. Subtract your monthly outgoings from your monthly income. Hopefully the figure you’ve got has a plus sign in front of it! But even if it doesn’t, now’s the time to move on to stage 4.

4. How many credit cards do you have? How many loans? You’ve already totaled the amount of debt. Now you need to get clear about how spread out it is. Debts spread out like an octopus are not a good idea. You end up losing track of some and trying to juggle between them - and all that does is increase your debt.

5. We’re talking here about credit card debt, so the next step is to gather all your credit card debts onto one card. You can either use one card to pay off others (use the one with the lowest APR interest). But this is usually a good opportunity to search for a new card with a really low or even interest free offer. You can find these at the American Credit Cards Guide (see link below).

6. When you’ve got your new card, pay off all the other credit cards immediately and destroy them. No hesitating here. You have to destroy the old cards.

7. Also, immediately set up an automatic payment (to pay the new credit card) to come out of your bank account the day after your salary goes in. This is so you don’t see the money in your account and think you’ve got more money than you really do have.

8. Set the repayment level to at least the total of whatever you paid before when you were paying off several cards. For example, if you had five credit cards and you were paying $100 a month, now you are paying at least $100 a month to one card.

9. Hide your new card until you have paid off your consolidated debt.

10. Finally be careful about switching cards too often - it might not look good on your credit profile.

For a simple, easy to use guide to available credit cards in the USA check out American Credit Cards Guide - see below for link.

Craig Brown,
The American Credit Cards Guide: http://www.americancreditcardsguide.com

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Credit card debts problem is extremely common today. It is usually the first sign of longer term financial troubles. How to manage your credit cards so that you will never fall into credit card mess? There are four pillars in preventing credit card debts problem.

First pillar: Proper credit cards administration

One of the best practices in managing your credit cards is to segregate your credit card expenses into three credit cards based on your spending pattern. The first credit card should be used for such fixed payments like utilities, subscriptions, insurance, memberships, etc. The second credit card should be kept for day to day expenses like shopping, eating out at restaurants, groceries, petrol, etc. The third credit card is for emergency cases.

Every month you need to clear the entire balances of three credit cards. You should not just pay any amount above the minimum requirement. The moment you leave a small balance, it adds up to the next month’s balance. Remember that this is a preventive action plan.

Put the second credit card away if in any month you are unable to clear the entire balances of three credit cards. Stop using the second card until you manage to pay off the entire balances of your cards in one month. You will have to pay cash for purchase made during the month. Don’t use your third credit card, it is for emergency cases only.

If you are still unable to clear the entire balances of your credit cards every month even after you have put your second card away, you should then review your monthly fixed payments that are charged to your first credit card. Some expenses may not be crucial for quality living.

Second pillar: Budget, the magic number

You just need to know how much you can charge to your second credit card in a month. You really don’t have to take out your spreadsheets or accounting software unless you enjoy using them. The calculation should be simple and straightforward. The magic number is your take home net salary less your monthly fixed expenses, i.e. repayment of home loan, insurance, memberships, school fees, etc. This magic number does not show how much you can spend but it indicates your monthly spending limit. It is a mark to ensure that you are able to pay off your entire three credit cards balances in one month. Keep the magic number in mind every time you charge an expense to your second credit card.

You must have a repayment plan in mind for big items like renovations, furniture, overseas vacations, etc., before charging the expenses to your second credit card. Do you have fixed deposits elsewhere to pay off the credit card debts? Are you prepared to sell your shares to clear the balances? Have you arranged other borrowings to pay off the credit cards debts? If you don’t have the financial resources or other financing means, do not spend on such big items. It is the start of your financial troubles. You must remember that credit card debt is the most expensive consumer debt that you can get yourself into.

Third pillar: A different mindset

Live now.

“Live today” is not equal to “spend today”. Mass media propagates the virtue of spending by equating it with “live now”. “Carpe diem and you buy” is the message that drives a generation of debt-ridden middle class. The core of the action is to improve your spending effectiveness in bringing satisfaction. If you need to spend a lot in order to elevate your happiness or satisfaction to the level of an average person, you are highly ineffective. Find good things in life that require little spending. Live now, not spend now.

Practise procrastination in buying things. After a while when you cool down it probably doesn’t seem to matter whether you own it or not.

Fourth pillar: Quality lifestyles

Focus on quality of living and not on spending. Check your credit card statements and identify your killer spending habits. Find quality alternatives. The best coffee I had was not from coffee bars like Starbucks, Strudels, etc. but from a small air-conditioned Indian restaurant. The coffee is called Bru Coffee. If a trip to Tokyo is too expensive, why not consider Sydney or Hong Kong? Spend time reading with your children instead of partying all night.

If there are material things in life that you couldn’t do without, even if it means being unable to pay off your cards this month or for the next few months, you will get into credit card problems sooner or later.

Income level has got nothing to do with debts problem. There are too many bankrupt high earners around for us to know this. It is about how you treat your money, as simple as this.

Practice the four pillars and let credit card problems be a thing of the past.

Chong Chen Tong is an accountant by profession with more than 10 years experience in stockbroking and investment banking. He loves computers, writing, economics and finance passionately (in the exact order) and the combination of this four led to his weblog, Financial Planning Malaysia Dot Com. Check out the Financial Planning Malaysia’s Directory here.

(This article is written with keyword density in mind for search engine optimization. You may leave out this bracketed paragraph from your ezine or website publication.)

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