Saturday, March 31, 2012

Watch Out For Those Credit Card Fees!

Although the Credit Card Act is designed to protect consumers against fraud, you still need to watch out for some charges.

Nearly 20% of card issuers have raised their interest rates more than 25% over the last 6 months. Avoid this interest by paying on time for 6 months and use less than 20% of the credit limit.

Checking account fees can average up to $180 annually. You can avoid by asking about free checking. A minimal balance or direct deposit of your paycheck maybe required.

Cash advance rate remain high at a lofty average of 21.65%. Try using only this service for real emergencies and never take out more than you need.

Foreign transaction fees including online shopping transactions now average 2-3%. To get the best conversion rate, use a credit card instead of cash when you're abroad and a no-fee card such as Capital One.

ATM fees were raised 13% last year with per transaction charges averaging as high as $3.50. Ask for a cash back when making a debit card purchase.

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Friday, March 30, 2012

Earth-Friendly Electronics

In honor of Earth Day, why not share your part in being eco-friendly by considering an upgrade for your electronics to an earth friendly versions. This way, you can as well save money and at the same time help clean the earth by reducing pollutant wastes.

You might want to consider recycling your old cell phones, old TV's and PC's and convert them to eco-friendly devices too.
You can also try switching to rechargeable batteries.

Scopes and Sights

Whether you are in need of tactical gadgets or sports optical gadgets as well, such as Rifle scopes, there is no need to drive around like crazy to look for one because you can get them online at their best deals :).
You can check those top quality Rifle scopes online at, - a site that offers premium sports optical equipment and accessories. Rest assured that when you buy Rifle scopes from them, you can get top quality products. They can deliver you a true value for products considered to be a new technology.

These products come with the latest optical technology made from the most prominent manufacturers and have prisms made with various coating of high-density lenses that can give you a clear, bright and distinct images, perfect for your sporting activities or for any purpose that you may seem fit for your activity.

You can check the various rifle scopes such as those that they use in tactical or combat trainings like swat rifle scopes, snipe scopes, air gun rifle scopes and many more.

Just bear in mind that products from Barska are the ones you can trust when it comes to top quality and ingenuity. You can never go wrong as long as they are from Barska ;). It's all your money's worth too!

Thursday, March 29, 2012

Funeral Planning

A death of a family member or a friend can be one of the toughest thing to handle. But to plan a funeral at the earliest time possible would be one of the things to be done that can help you ease your mind and the whole family as well.

It is a good thing to consider that funeral planning online can be conveniently done nowadays where you can make immediate funeral planning arrangements as well as getting instant cost estimates where you can have more than enough time to prepare future funeral costs and other things worth considering.

It's always a wise practice to do things at the earliest time possible.

Smart Moves To Beat Rising Tax Rates

In a rare show of bipartisanship, lawmakers back extending the Bush income tax cuts for families earning less than $250,000 and singles with incomes below $200,000. So, most taxpayers are unlikely to see a change next year. But teh top rate higher earners which will go to 39.6% from 35% if Congress does nothing is still in play. The political fight will center on the question of whether or not any tax hike will hurt the weak economic recovery.

Even if every cut is renewed, a permanent extension is hard to imagine in this age of deficits. So make hay now. You might convert an IRA to a Roth, especially if your income is low this year. Accelerate income and delay deductions if you can.

If your portfolio is out of whack because a single stock or fund is way up, think about reaping gains when you're sure of paying 15%. If you have substantial capital losses, consider saving them to offset future gains.

If your estate is worth 1 million to 3.5 million dollars it's easy to think you're not going to be affected, and that can be dangerous! One good suggestion would be to make annual tax-free gifts of $13,000 per person to reduce your estate now.

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Wednesday, March 28, 2012

Discounted Movies

If you always love the movies and you have those ones that you badly missed, here is a good site to get a discount dvd which can give you savings. Check out those new releases and you can even get them at 20-30% off! Plus free shipping on all domestic orders.
You can as well receive your discount coupons by mail if you sign up so you would be constantly updated.
Interested in music and books as well? You might wanna check them too. ;)

Sunday, March 25, 2012

Tips For A Fire Extinguisher Safety Check

Start checking it making it sure the pressure gauge's pointer is in the green zone. If it isn't, contact your local fire station to find out where to have the apparatus repressurized and refilled with extinguishing agent.

If the instruction label is unreadable, contact the manufacturer for a replacement. Be sure to check cracks, dents or rusts as well. If you see them, it's time to buy a new replacement!

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Wednesday, March 21, 2012

Outdoor & Indoor Garden Planters

To those who really love gardening, you migh want to consider checking these pretty various resin planters in choosing your perfect garden planters that suits your taste.

Whether you want some gardens indoor or out, you got a lot of choices. Nowadays, it is a nice thing to know and consider that you can still make your home alive and colorful with the help of colorful flowers through the help of different planters and window boxes in your homes.

If you prefer having your garden outdoors, you can even have lots of choices what kind of planters you will like.

Wednesday, March 14, 2012

Don't Forget To Clean Your Thermostats!

When was the last time you checked and cleaned your thermostats? Without checking it, dust can accumulate inside it causing them to miscalculate room temperature which can be a confusing and potentially costly error.

So, better yet start blowing the dust from your thermostats. To start cleaning, turn off the power, remove its cover and gently blow away the dust. Then, nudge out any dirt with a cotton swab ;).

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Thursday, March 8, 2012

Is Xanogen Safe?

Xanogen is a testosterone booster for men. This drug has been known to increase testosterone levels for consumers and are manufactured by Applied Science Labs. However, it seems this drug is still new and probably in the market now but there seems to be nothing yet to be proven because there are still no reviews or experiences shared by consumers as well. So, it is yet to be seen if there are really some side effects of xanogen and whether these side effects are just minor or really bad ones.

Another thing is that majority among consumers haven't yet shared whether this drug really works or not. It should always be a smart idea to check and read information and reviews before thinking of getting one.

Wednesday, March 7, 2012

How You Can Make Health Care Reform Pay Off For You

The Affordable Care Act that was passed by Congress made some major changes to health-care laws in the US, but many phase in gradually over the next several years, so better yet take advamtage.

A health insurance company can't drop you if you get sick. Some used to refuse to renew policies for patients diagnosed with terminal illness such as cancer. That practice has been banned.

New health insurance plans must now offer Pap smears, mammograms, cholesterol tests, and some screenings at no cost to you. Currently, this only applies to brand new policies so if your employer changes insurance plans or you buy a new individual plan, you get these freebies. Otherwise, you won't see them for several years.

If you are insured through your work or if you buy a new plan on your own, your kids under age 19 can't be denied coverage because of a disability or chronic illness.

Those employers that have more than 50 workers are now required to provide breast-feeding moms breaks during the workday to express milk-and they have to provide a private place to do it other than a bathroom!

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Monday, March 5, 2012

Spring Shoes At Shoe Mall!

Spring is almost here and I can't wait to be looking for spring sandals online that I could buy. I was also got curious about easyspirit shoes they have here at Shoe Mall and the prices aren't that bad at all.

Whenever I shop for shoes, I go with comfort as a top priority. And I think most of the shoes they have online are worth considering. I love to be comfortable with trendy designs as well, and that's what counts ;).

Check them out if you are an Easy Spirit lover.

Sunday, March 4, 2012

Decreasing The Risk Of Getting/Spreading The Flu

The flu virus can become pandemic in the event that contamination becomes out of control. In the event of a pandemic, try to stay at home from work or school if family members are sick to decrease the risk of spreading the virus.

It is important to note that you can spread the virus to others before your symptoms begin.

Always wash your hands.

It is also a good habit to periodically wipe all railings, counters, door knobs. phones, switches, toys and other areas that are commonly come in contact with sick person with a disinfectant.

Avoid touching your hands to your face, especially if you are in contact with commonly touched areas in public areas.

Turn your face away when others cough or sneeze near you. Cover your mouth and nose with a tissue when you cough or sneeze, after which clean your hands afterwards with water or disinfectant. Put away used tissues right after use.

You can consider wearing a mask if you have the symptoms to avoid contaminating the virus through coughing and sneezing.

Try to isolate people who have the flu in one room in one part of the home, and away from others who are sick.

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Thursday, March 1, 2012

Body Symptoms That Are Either Harmless Or Dangerous!

Before you freak out because you discovered you have twitching and that would be multiple sclerosis, or you googled something about that little mark on your skin and it must be cancer...step away from your keyboard. Most of them are actually harmless.

But in anyway, here are some cases as to when to just relax or when to see your doctor.

Skin tags that are floppy little nodules which are usually flesh toned but darker are being developed in spots where your skin rubs against skin or clothing, like the arms, around the neck, under the breasts or even on the eyelids are virtually never cancerous and can be easily removed by a dermatologist.
See your doctor if you have a growth that's hard, rough, darker or redder than flesh-toned. This could be a wart, a form of keratosis or possibly skin cancer.

Red Skin Spots described as little, round, bright red spots and bumps on your skin which is most common to those who have fair complexion and age 40 and above are normal which can be blood vessels that haven't been reabsorbed into the skin. As a person ages, more blood vessels are made than absorbed the reason why we get these little red spots. They are technically known as "cherry hemangiomas" or angiomas and they're nothing to worry about.
See your doctor if you want them removed. If the spot is assymetrical, changing in size, shape and color, begins itching and bleeding or looks totally different from any other spots on your body, consult a dermatologist to make sure it's not cancerous.

Shaky hands can be a sign that your blood sugar's dipping and you need to take some protein. But often, they are simple symptoms of stress or anxiety. The shaking can become more pronounced if you're also taking or drinking anything containing caffeine or if you're taking medications containing stimulants or other medications for attention deficit disorder or thyroid disease.
See your doctor if your tremors persist and don' t go away. She may prescribe a beta blocker that can steady your hands by blocking the stress response. A shaking of one hand especially if you're not using it could be a sign of Parkinson's disease and a shaky hands with weight loss, a racing heart and a change in bowel habits can be an overactive thyroid.

Heart palpitations can be side effects of medications like antihistamines, decongestants, anntidepressants and thyroid meds can set your heart flutter. Same thing when you have stress or anxiety particularly if you're taking alcohol, cigarettes or caffeine.
See your doctor if you have any unusual heart symptoms including palpitations that you experience in patterns especially if it comes with shortness of breath with exertion. They can be signs of heart-valve disease or arrhythmias.

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