Ottawa Mortgages? Private for

Written by Dale Ronewicz

Continued from page 1

Here are some Guide Lines when using Private for for Ottawa Mortgages or a Mortgage anywhere in North America:

Compose a list of your wants, features, needs and desired location. This will give you a good mental picture of what you want and will keep you focused.


This will secure your interest rate and let you know up frontrepparttar price range in which you’re free to roam. Getting pre-qualified will makerepparttar 149679 entire process less of a hassle inrepparttar 149680 long run.

When checking out any location be sure to look for past appreciation, schools inrepparttar 149681 area, shopping, transportation and recreational activities.

Thanks torepparttar 149682 power ofrepparttar 149683 internet you can fill outrepparttar 149684 buyer notification and receive email updates when homes become available in your desired neighborhoods

When shopping for Ottawa Mortgages inrepparttar 149685 Ottawa area or any Ottawa county in North America Private for Sale will advertise to thousands of potential buyers and sellers and getrepparttar 149686 results you’re looking for. Fast!

Ottawa Mortgages? Private for was written by Dale Ronewicz ( For more on Ottawa Mortgages and Private for visit:

How I make my card work for me

Written by Adam Fletcher

Continued from page 1

Purchase that television on October 21, give or take a day or two. You will get free credit till December 11 (around 51 days).

And what's more? If I took a personal loan to makerepparttar above purchase, I would be dishing out an interest rate of around 18% per annum (around 11% if I took it from my company). Here, I get interest-free credit on my card!

How to plan your investments It gets you out of trouble

Specially when you have to make birthday and anniversary gifts to your girlfriend and you are either low on cash orrepparttar 149644 gift is too expensive (often both).

Let's say I earn $2000 a month, out of which I spend $1000 on living expenses. Now, if it is my girl friend's birthday and I plan to buy her a necklace worth Rs $2,000, I may not have that much saved.

The way out? Buy it on my card instead of waiting to accumulate that amount in my savings and gifting it to her a month after her birthday.

When my credit card bill is finally presented to me, my salary would be credited to my account and I would have accumulated enough to makerepparttar 149645 payment.

Save AND repay your loan It acts as a budgeting tool

The problem with spending cash is that you never know what you spend on. With a credit card,repparttar 149646 billing statement is a reality check. Video:

I closely study my statement. This gives me a fairly good idea of my spending pattern.

At a glance, you can tell whererepparttar 149647 bulk of your salary goes: books, entertainment, shopping, petrol or on essentials.

Should you save or prepay your loan? Use it, don't get used by it

Sure,repparttar 149648 card does have its limitations (which I mentioned earlier) and setbacks too.

Credit card frauds (specially overrepparttar 149649 internet) are increasing byrepparttar 149650 day.

And, if you are not careful, it is very simple to indulge in a high lifestyle, convinced that you can pay off your debt later. Once you spend more than what you can afford, you are forced to carry overrepparttar 149651 balance amount torepparttar 149652 next month. And that's when your credit card becomes your enemy. Now you pay heavily for this money – at least 24% per annum. Music:

But, if you use it well, it is a handy money management tool.

Not to mention allrepparttar 149653 points that would accumulate eventually which can be exchanged to make a purchase or get a gift. Alright, it may not be a great bargain but nevertheless, it will cost you nothing.

In some cases, you get some amount of money back underrepparttar 149654 "cash back" scheme. In others, if you are paying an annual fee, you can redeem these points againstrepparttar 149655 fee. But do remember, nearly allrepparttar 149656 cards being issued these days have free lifetime membership. Hardware Software Articles

So while I respect my colleague's opinion, I am quite convinced that I do not want to live without a card.

Adam Fletcher is the webmaster of Hardware Software Articles .

    <Back to Page 1 © 2005
Terms of Use