SuperCharged Secret 2 - LIVING IN CREDIT CARD UTOPIA

Written by Tom Levine


5 SuperCharged Secrets to Credit Card Utopia! Secret 2 of 5 INTEREST BEWARE, THERE’S SAFETY IN NUMBERS!

Note: The following is part 2 of a 5 part series, Overrepparttar course of these 5 articles, I am going to introduce you to several methods for maximizingrepparttar 112273 use and benefits ofrepparttar 112274 best Credit Cards and offers onrepparttar 112275 market today. This information, when used in conjunction with one another, is unlike anything you’ve ever seen before. I like to call this approach,repparttar 112276 “5 SuperCharged Secrets to Credit Card Utopia.”

1.SECRET 1: I AM THE CONSUMER. AND I HAVE LOW-RATE SUPER-POWERS! 2.SECRET 2: INTEREST BEWARE, THERE’S SAFETY IN NUMBERS! 3.SECRET 3: TURBO-CHARGED KILLER RATE SAVING INFORMATION! 4.SECRET 4: YOU SCRATCH MY BACK, AND I’LL BUY SOME MORE BEER! 5.SECRET 5: LIVING IN CREDIT CARD UTOPIA

Without further Ado, let’s continue with Secret #2:

SECRET 2: INTEREST BEWARE, THERE’S SAFETY IN NUMBERS!

1)This secret method isn’t for everyone.

I would venture to say that this turbo-charged low rate secret is really for those with reasonably good credit.

But with that said, you may have good ENOUGH credit, and it doesn’t hurt to TRY. If you don’t succeed, then you’ve been blessed withrepparttar 112277 one thing most people don’t have, and that’s a GOAL…

You know what you want, better credit, and there are TONS of resources out there to help you get from point A to point B, much faster then you can imagine.

When you get there, this method is for you for sure! Work towards this! It’s worth it.

2)If you have pretty good credit, it’s time to use it to your MAXIMUM ADVANTAGE.

Do you like to shop at Costco®? I do. I LOVE shopping at Costco®. I know it costs me a membership fee every year, but I save money like CRAZY!

Why? Because Costco® can buy in bulk, and get huge deals from their merchants.

You see, there’s safety in numbers. Costco® Members enjoyrepparttar 112278 benefit of pooling together their buying power, and extracting huge savings from vendors and suppliers.

3)And here we go! Secret #2 revealed: Take that concept, and apply it to Credit Cards! Interest Rates beware, because there’s safety in numbers!

I’m talking aboutrepparttar 112279 big BLUE! I’m talking about American Express®.

Now, most of us who have not yet climbed on board to AMEX® are comfy with having a Visa®/MasterCard® in our wallets. I know. I was one of you at one time. You think it’s better, because Visa®/MasterCard® are more widely accepted. Right?

I’ll grant you that in some smaller “ma/pa” operations, you may not be able to swipe your BLUE. But other than that, AMEX® is widely, widely accepted everywhere…Worldwide.

4)Go check it out for yourself.

AMEX® is generally available at all nationwide chains like department stores, grocery stores, restaurants, and many, many other fine establishments. My wife and I spend money, just like you do. We use AMEX® as much as we can, and we don’t have a problem withrepparttar 112280 ability to swipe it virtually everywhere.

Should I Refinance With My Current Lender?

Written by by Craig Romero


With so many homeowners refinancing lately, there are hundreds of refinancing questions being asked. One ofrepparttar most common is "Should I refinance with my current lender?" The answer is both yes and no.

Your current lender should berepparttar 112272 last lender that you obtain a quote from, but you should definitely contact them when you are thinking of refinancing. Get together quotes from other lenders, and then approach your current lender and ask them to meet, or even better, beat those quotes.

You can also ask them to waive certain settlement costs and other fees involved since you are already an established customer and your lender may have customer retention programs, but you will need leverage before you do this. That leverage should come inrepparttar 112273 form of quotes from your lender’s competitors.

In fact, your lender may opt to just decreaserepparttar 112274 interest rate you are currently paying, thereby allowing you to avoid settlement costs altogether.

However, there are drawbacks to using your current lender. Your lender already has your business, once you payrepparttar 112275 lock-in fee, they have your money too. Since they already have your mortgage, they have no incentive to closerepparttar 112276 deal in a timely manner. There are also times when lenders will not quote yourepparttar 112277 best rate they have, but will quote you a rate that is lower than your current rate.

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