How I make my card work for me

Written by Adam Fletcher

A colleague of mine is continually harassed by credit card sales agents. They call him with alarming frequency and then try to coax him with various baits - balance transfer facility at a lower interest rate, no card membership fee, no annual fee, free points if he takesrepparttar card, or even a cash back scheme.

His rationale: he does not need a card.

And, believe me, he is quite convincing in his logic. Here are some of his common arguments.

Ever tried payingrepparttar 149644 bus conductor,repparttar 149645 taxi driver or an auto rickshaw driver by card?

Attempted to give your maid her salary by card?

Love to have a cup of tea at a roadside stall? Or even a juice? Or even buy a packet of cigarettes fromrepparttar 149646 wayside shop? Sorry, cards are not accepted! Outlook Express:

Want to buy a bunch of flowers? Hard cash please!

He claims that for most of his transactions, he requires just plain paper money - plastic does not work.

But, I am not convinced.

I definitely need a card and here's how I use it to manage my money.

The 4 laws of money management The small payments are endless

Of course, my good old sabziwala, with fresher veggies thanrepparttar 149647 supermarket, will not entertain my plastic money. Neither willrepparttar 149648 small, local grocery store.

But when I do drop by atrepparttar 149649 supermarket or department store,repparttar 149650 card sure is handy. Ditto atrepparttar 149651 petrol pump.

Actually, in a city, chances are that you can use a credit card to pay up to 75% of routine monthly expenses.

Often,repparttar 149652 bill may just be a few hundreds and usually an odd sum. Have you ever hadrepparttar 149653 experience of having to pay, say $100, but only be in possession of notes of $100 denomination?

In such a situation,repparttar 149654 card makes it a smooth transaction. I need not bother about hunting for change or filling my wallet with coins. Security:

How to start saving The convenience is unmatched

If I have to make some urgent payments for which I don't have cash, I need not make endless trips torepparttar 149655 ATM.

Nor do I have to run to a bank for a personal loan.

Or, takerepparttar 149656 case of a medical emergency. At such times, a card is a blessing.

A debit card with a difference The big ticket expenses

Suddenly hadrepparttar 149657 urge to buy that plasma screen television? After all, what could be better than watching a good movie, on a wide screen on a rainy day?

Why wait forrepparttar 149658 next paycheck? Use your card.

This is how it works. Banks generally preparerepparttar 149659 bills a couple of days beforerepparttar 149660 bill date.

Purchases made atrepparttar 149661 fag end ofrepparttar 149662 billing cycle or atrepparttar 149663 immediate start ofrepparttar 149664 next billing cycle will give you a longer credit line. Which means you get more time to payrepparttar 149665 bank. Internet Explorer:

Say your next billing is from 21 September to October 20 and your due date to settlerepparttar 149666 bill is November 11.

Forex Trading Online - 7 Reasons Why You Should!

Written by Keith Thompson

Forex trading online is a fast way to use your investment capital to it's fullest. The Forex markets offer distinct advantages torepparttar small and large traders alike, making Forex currency trading in many ways preferable to other markets such as stocks, options or traditional futures. Here are seven reasons why you'll want to look into Forex Trading online.

1 - Forex isrepparttar 149643 largest market. Forex trading volume of more than 1.9 billion, more than 3 times larger thanrepparttar 149644 equities market and more than 5 times bigger than futures, give Forex traders nearly unlimited liquidity and flexibility.

2 - Forex never sleeps! You can execute forex trading online 24/7, from 7AM New Zealand time on Monday morning, to 5PM New York time on Friday evening. No waiting for markets to open: they're open all night! This makes Forex trading online a very attractive component that fits easily into your day (or night!)

3 - No Bulls or Bears! Because Forex trading online involvesrepparttar 149645 buying of one currency while simultaneously selling another, you have an equal opportunity for profit no matter which directionrepparttar 149646 currency is headed. Another advantage is that there are only around 14 pairs of currencies to trade, as opposed to many thousands of stocks, options and futures.

4 - Forex Trading online offers great leverage! You can makerepparttar 149647 most of your investment resources with Forex trading online. Some brokers offer 200:1 margin ratios in your trading accounts. Mini-FX accounts, which can typically be opened with only $200-300, offer 0.5% margin, meaning that $50 in trading capital can control a 10,000 unit currency position. This is why people are flocking to Forex trading online as a way to highly leverage their investments.

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