Archive for April, 2011

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Purpose of Charity Credit cards

Tuesday, April 26th, 2011

Large numbers of people in different parts of the world are using charity credit cards and you can use them for doing some charity to needy people. This type of card has been launched in the market such that people can lend help to needy without actually visiting and encountering them. Other name that is being used for describing this kind of card is known as affinity cards. It has been around twenty years since when various financial institutions started using this type of cards and they helped non-profit organizations in the best manner possible. Generally, this type of cards have a logo of charity group on their top such that they can be distinguished easily from other types of cards.

Before you take charity credit cards, it is mandatory to understand how these cards work. Whenever the cardholder makes a purchase using the card, a small portion of the purchased amount is transferred to non-profit organizations. The more you use your card for making purchases the more amount of money would be transferred to the nonprofit organizations. It is possible that the portion given to charity varies from one credit card Company to another but the most commonly given share is 0.25 percent.

If you plan to apply for such type of card then you should be aware of the fact that these cards are not similar to other kinds of cards being used by people for purchasing products and services. Firstly, credit cards meant for charity carries annual percentage rate with them as well. The percentage rate varies anywhere between 15 and 22 percent. If you want card with lower percentage rate then it would be possible if you put in some efforts. Second fact of which one would be familiar with is annual fees is charged by cardholders and you should be ready to pay it.

One feature that lures individuals towards credit cards is the reward system and incentives that the cardholders get after using their card. However, you should know that the numbers of incentives offered with affinity credit cards are very less and you would not be availing many benefits with the use of this type of credit cards. Credit cards falling into this category have been divided into different categories and some of the categories include environment, animals, gender, health and a few more. Users can choose the category of cards depending on their own choice and thinking.

Article Source: http://www.articlesbase.com/credit-articles/purpose-of-charity-credit-cards-4677135.html

About the Author

We teach you what points you must consider while trying for 0 purchase credit cards and what are the Drawbacks of Interest Free Credit Cards

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Fx Original Review | Forex expert advisor delivers stable profits

Tuesday, April 26th, 2011

Everywhere you look these days, you see guys pitching you robots with some REALLY inflated results. 400% a month, 100% in a week… and it’s all B.S. You know it and I know it! I’m sure you’ve heard the seven million different reasons for all of this. You get a bunch of guys who don’t know anything about trading but DO know a lot about coding.

They do some fancy curve fitting, run a couple of back-tests, churn out a fancy robot and we get hooked. One dead Forex account later, they’ve disappeared and you’re stuck with yet more junk on your hard drive.

I want to tell you that this is different, but you won’t believe me. You have to see it for yourself:

==> Visit Fx Original Official Website

This is something that HAS NOT been done with automation before. A group of professional traders, who trade MANUALLY, took all of their knowledge and put it into one piece of software. That software is called FxOriginal!

Typically, most FX robots you will find will not work and definitly will not give you the results they promise, because the results you’re shown, are fake. However, FX Original comes from a very reliable group of Forex traders and developers and they even give you the access code to their account to see the real proof that FX Original is working.

It’s not an A.I. or anything filled with complicated techno-jargon. This is old fashion manual trading with rules based on solid technical analysis… they’ve just automated the process of taking those trades. Basically, you’re looking at an EA the way it SHOULD be made.

They’ve taken a different approach to this whole thing… They’re not promising that you’re going to get rich overnight. They’re not promising you 1,000% in 2 months. They’re promising you stable, reliable, consistent profits to the tune of 300% per annum.

And, do you know what?

That’s realism. That’s what professional traders aim for. HUGE gains need HUGE risk… and more often than not, you lose. That can all end today! If you want to make a solid profit from the market, completely hands free AND you don’t want to worry that your account could be wiped out at any moment then FxOriginal is what you’re looking for!

Go take a look at their statements. They’re providing investor password access to their live account so that’s another reason why you know these guys are on the level!

You can see it here:

==> Visit Fx Original Official Website

I’m very impressed, I’ve never seen a group as honest as the FxOriginal team.
The best part about FxOriginal is that they’ve made it very affordable. This is within reach of just about anybody who needs to make their money work for them

Article Source: http://www.articlesbase.com/currency-trading-articles/fx-original-review-forex-expert-advisor-delivers-stable-profits-4676711.html

About the Author

Rob Trader – Forex Expert
http://forexprofitmultiplier.info/

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Boone, Thompson and Wagner: Proponents for Reverse Mortgages

Tuesday, April 26th, 2011

In an economy dominated by consumer debt and doubt, the principle of healthy skepticism has snowballed into an avalanche of outright paranoia. The market has proven itself far flimsier, far more fickle than we’d hoped, and in the wake of its wavering reliability, many people are choosing to hold fast to their funds and equity rather than risk the unpredictability of weighty financial decisions. In the wake of our floundering economy, reverse mortgages as well as countless other major financial commitments are not even considered for their merit.

Enter accomplished actors Pat Boone, Fred Thompson, and Robert Wagner. They’ve been making noise, news, and movies for many years now, each in his own respective sphere. But recently, all three have come together in a common cause, becoming spokespersons for reverse mortgages and their benefits. They’ve offered their celebrity to bring credibility to a financial opportunity that, under proper circumstances, could be a godsend to seniors faced with foreclosure, mounting medical expenses, or a myriad of other financial ailments.

A far cry from the classic hollow celebrity endorsements, these gentlemen are promoting awareness and education so that seniors can know their options and make responsible decisions with their equity. Boone defined his goal as spokesperson, “…to assist… in an effort to reach and educate seniors about the benefits of reverse mortgages so that they are able to make better informed financial decisions.” Both Wagner and Thompson similarly echoed his sentiments in their own statements.

Bear in mind, they aren’t trying to discourage that healthy skepticism; loans of any kind can be tricky business, and it’s crucial to know exactly what you’re getting into and how it complements your situation. Reverse mortgages are no exception to the rule, but they’re also not the scams that some skeptics make them out to be. They’re very serious commitments of capital, but when used properly, they can be incredibly beneficial to seniors seeking to tap into their equity without sacrificing their homes.

It’s true that the market is fickle, and its eccentricity seems to have a taste for utter ruthlessness. And consumers, quite reasonably, have become very conservative and very wary with their finances. But our triad of actors has come to remind us that paranoia is no substitute for education and well-balanced planning. If you’re a senior with untapped equity, perhaps a reverse mortgage would be a wise decision for you. Or perhaps not; every situation is different.

But Boone, Thompson, and Wagner are not coaxing consumers into taking out irresponsible loans. Rather, their counsel urges the courage and good sense to at least explore the financial options and find out both their benefits and limitations. Even if a reverse mortgage doesn’t seem sensible now, it can’t hurt to know more about it. There’s nothing to lose and knowledge to gain. And in an unreliable market like ours, knowledge sure can’t hurt.

Article Source: http://www.articlesbase.com/mortgage-articles/boone-thompson-and-wagner-proponents-for-reverse-mortgages-4675206.html

About the Author

Legacy Reverse Mortgage is here to help! We provide the best reverse mortgage service in the industry – hands on help with your reverse mortgage!

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Do I Have to Include My Partner's Income When I Apply for an IVA?

Tuesday, April 26th, 2011

If you are applying for an IVA and are living with a partner or spouse, we consider whether you need to include your partner’s income in your income and expenditure budget.

If you are living with a spouse or partner and you are applying for an individual voluntary arrangement (IVA), you will have to declare your partner’s income.

Your creditors will require information firstly to make sure that the amount you are proposing to repay them in the IVA (your disposable income) is calculated fairly based on you paying your fair share of the household expenses.

Your creditors will assess your disposable income by considering what percentage of the total household income you generate. They will require you to pay no more of the household expenses than is fair based on this percentage.

For example, if you generate fifty percent of the income, your creditors will expect you to pay for no more than fifty percent of the joint household expenses.

If you were to pay more than fifty percent in this example, your creditors would argue that your partner was not contributing a fair amount towards the household costs. This would depress the amount you have available for paying into your IVA and it would be unlikely that your creditors would reject the IVA proposal.

Should your partner pay towards your debt?

If all of the debt you want to include in your individual voluntary arrangement is in your name alone, you will perhaps argue that your partner should not have to contribute towards paying back these debts.

However, generally speaking your creditors will argue otherwise.

They will say that even though the debt is in your name, it is likely that both you and your partner have benefited from the expenditure.

For this reason they will normally only accept your IVA application if the amount you propose to repay is based on your household disposable income. That is the amount remaining after your total household expenditure is deducted from your total household income.

The only exception to this rule is where you have only just started living together with your partner and you can reasonably argue that they have not benefited from the expenditure and debts that you have built up.

Dealing with your partner’s debt

You can only include debts that are in your name (or in joint names with somebody else) in your individual voluntary arrangement.

If your partner has debts in their name which they are planning to keep paying, they are allowed to do this as long as the payments can be covered by their portion of the disposable income.

Of course, you must ensure that you have added sufficient budget in the household living expenditures to allow these payments to be made.

If not, your IVA payment will be too high and you will not have enough funds to maintain it once your partner has paid their debts each month.

If your partner’s portion of the disposable income is not sufficient to maintain their payments, you will not be allowed to subsidise them as you would be making a preferential payment to your partner’s creditors over and above your own.

In these circumstances, your partner may then have to consider carrying out their own debt management solution such as a debt management plan (DMP) or even starting an IVA themselves.

The easiest way to do this may be for both you and your partner to carry out what is known as interlocking IVAs so that only one payment per month is made based on your household disposable income.

Proof that you are paying as much as you can

Generally speaking, if you want to apply for an individual voluntary arrangement and you are living with a partner or spouse, you will have to declare both your incomes.

This is so that you can prove to your creditors that the IVA payments you are proposing are fair and you are doing as much as you can to repay as much as you can possibly afford.

If you have been together with your partner during the time when your debts were built up, you should also expect your creditors to want your partner to contribute towards your IVA.

This will mean IVA payments based on a household income and expenditure budget.

At the end of the day, an individual voluntary arrangement is a way of paying as much as you can towards your debt in a controlled and managed way. Providing information about your partner’s income and including this where reasonable will help show that you are doing your absolute best to repay what you owe.

Article Source: http://www.articlesbase.com/debt-consolidation-articles/do-i-have-to-include-my-partners-income-when-i-apply-for-an-iva-4673255.html

About the Author

James Falla is a debt adviser from BeatMyDebt.com in the UK. For more quality and unbiased information on Debt Management Plans, visit our website at http://www.beatmydebt.com

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Pet Insurance – Financial Protection Outside The UK

Tuesday, April 26th, 2011

Pet insurance will compensate you for the costs associated with having emergency treatment abroad. Pet insurance may pay up to a specified amount per trip, although you may find that you can only make a maximum number of trips in any period of insurance. You should then be protected against the cost of additional accommodation, repatriation costs and expenses for you and your pet if:

> Your pet requires emergency treatment and you miss your scheduled transport to the United Kingdom as a direct result.

> Losing your pet’s health certificate directly results in you missing your scheduled departure back to the UK

> Your scheduled departure is delayed by the carrier in order to get tick and worm treatment repeated

Additionally, if your pet is lost during a trip abroad, pet insurance may cover reasonable additional travel, accommodation costs and expenses whilst you try to find your pet before your scheduled return date. This will usually be valid for a maximum number of days and you’ll need to check with your provider to see if they offer cover.

If your pet does need veterinary treatment abroad, there is certain documentation you will generally need to provide for your insurance company. This includes receipts, proof of purchase or bills for all costs incurred in order to substantiate your claim. If your pet is held back for worming treatment, you should also provide documentary evidence that your pet received the initial tick and worming treatment in the time-scale required by the pet travel scheme. You must also provide evidence that the repeat tick and worming treatment was necessary to comply with the pet travel scheme.

The RSPCA recommends that you vaccinate your pet regularly, especially if you are going abroad.[1] This means your dog will be protected against canine parvovirus disease, canine distemper virus, leptospirosis or infectious canine hepatitis. The RSPCA also suggest that dogs travelling abroad may require a rabies vaccination.

Once you have your pet’s paperwork in place and you have secured pet insurance to protect yourself financially, you should be able to enjoy your time with your pet abroad. If your pet does contract an illness or is held up with international travel, you can feel safe in the knowledge that your pet insurance will assist you.

[1] – rspca.org.uk/allaboutanimals/pets/general/vaccinating

Article Source: http://www.articlesbase.com/insurance-articles/pet-insurance-financial-protection-outside-the-uk-4676976.html

About the Author

John Lewis Insurance offers a range of insurance services selected by the John Lewis Partnership. These include home, car, life, travel, wedding, event and pet insurance products.

For more information about John Lewis Pet Insurance please visit the website here – www.johnlewis-insurance.com.

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