Credit Review Collection for You

The Long winter holidays came to the end. Or perhaps, they are not too long (only 12 days), but nevertheless they finished and it's time to start the work again. I wish everybody to have a good start without any problems to be involved to the work and in spite of the financial crisis be satisfied with both the salary and the work.
Good Luck!

Global economic crisis, bailouts and a recession fill the news.  The economy is not doing well, but I think this will make for one of the best Christmas seasons that we’ve had in recent years. Everyone seems concerned about where we are headed financially.  However, I think this could all have some positive effects on our Christmas experience.  In fact, I’m looking forward to the best Christmas ever.
Happy Holidays!!!

The time of Chirtmas shopping came and together with it the time of shoping panic started. As I know from my own experiences how difficult to do this activity not to be prepared to it. So, I desided to post some rules how to do shopping wisely.

• Start Early! Just right now, don't waste time waiting for some other descounts even at the Christmas Eve.
• Set Up the Budget! Avoid the January credit card bill blues and figure out how much you can afford to spend for the people on your gift buying list.
• Shop Online! It's great for business people, who really have no time to visit trade cetres and Christmas fairs.
• Look For Deals! As it's going without saying that it'll help to save your money.

Maybe some of you have your own rules how wisily to do shopping? You are welcome! Enjoy the Shopping!
;-)

During the financial crisis people face with lots of problems. Unemployment is a natural picture in any large or small company.  The economy is struggling with extremely high gas prices as well as food prices increasing at alarming rates. lots of families have scaled back on their spending to include only the necessities.

And of course the common consumers' question is what they should do to protect their family's financial future. The way to combat the stresses of financial security is to improve or repair personal and business credit. It's the answer of economists.

The psychologists advise the following: do not panic. Do not pull your money from your bank, cash in your retirement or sell stocks. You should stay calm. This is a hard economic time, but you will get through this tough time. Keep in mind, you can not control what the government does, but you certainly can control your own actions. Check every institution that your money is in. Make sure that your money is safe.
There are some steps to survive this economic crisis:
1. Be Smart! If you have a large sum of money, divide the money among different bank accounts to avail yourself of FDIC.
2. Be conservative with your finances.
3. And the Main advise: Keep calm and collected. Don't panic!!!

Everything will be fine sooner or later!

Keep calm and collected. Do not panic!

The financial crisis is all over magazines, newspapers and television news programs. So, it's no wonder people are feeling anxious and stressed out. It's going without saying that it has got a great psychological effect. The research showed that women's reaction on the crisis is more strong than the men's and women are expressing fear about the current financial situation more than men. It is seen in many symptoms as sleep disturbances, headaches, mood swings and changes in appetite. But in many cases we, women, should understand that not all things depend on us, and this unpleasant financial situation must be overlived.
Nevertheless there are measures you can take to safeguard your health and well-being. They contain different strategies. The first and easiest coping mechanism is to keep up your good habits. For example, continue going the aerobics class, eating dinner with your family, participating in social events. Take enough time out of each day to focus on yourself and your own well-being. 
Taking time for yourself and taking care of yourself are keys to getting through tough times successfully.

I'd like to continue publishing the most famous phrases about money.

• A fool and his money are soon parted. A Defense of Government, by John Bridges (1587)
• Money isn't everything. Saturday Evening Post (June 18, 1870)
• The holy passion of friendship is of so sweet and steady and loyal and enduring a nature that it will last through a whole lifetime, if not asked to lend money. Pudd'nhead Wilson, by Mark Twain (1894)
• Money makes the world go around. Money, Money, by Fred Ebb (1966)
• For I don't care too much for money,
  For money can't buy me love.  Can't Buy Me Love, by John Lennon and Paul McCartney (1964)

There is a nice story of the origin of the phrase: "It's not worth a plugged nickel". You know, we use it when something is of no value. Since the old practice of making holes in coins to remove some of the valuable metal (usually silver or gold) was said to make such coins worthless or of less value than when originally minted. So, a five cent nickel was intended to illustrate and emphasize the worthlessness of a thing.

Actually, there are great number of phrases using the word "money" or something relative to it that we use in our speech. And I think it's rather curious to know about the origins of some of them.

I was just thinking about the main topic of conversation and probably the most important one and urgent is the talk about money and finincial problems of all kinds. Moreover, the recent finincial crisis poured oil on the flames.
So, I desided to collect some thoughts and set-expressions about money:

• Never invest your money in anything that eats or needs repainting. BILLY ROSE
• There are three principal ways to lose money: wine, women and engineers. While the first two are more pleasant, the third is by far the more certain. BARON EDMOND ROTHSCHILD
• Wealth is like sea-water; the more we drink, the thirstier we become. ARTHUR SCHOPENHAUER
• The only thing money gives is the freedom of not worrying about money. JOHNNY CARSON
• It isn't necessary to be rich and famous to be happy. It's only necessary to be rich. ALAN ALDA
• Whoever said money can't buy happiness simply didn't know where to go shopping. BO DEREK
• I will tell you the secret to getting rich on Wall Street. You try to be greedy when others are fearful. And you try to be fearful when others are greedy. WARREN BUFFET
• One may see the small value God has for riches by the people He gives them to. ALEXANDER POPE
• Someday I want to be rich. Some people get so rich, they lose all respect for humanity. That's how rich I want to be. RITA RUDNER

The list can be continued and it will definitely be!

I always have difficulties to choose the right thing among the wide range of services or goods. When I'm doing shopping I spend lots of time purchasing shoes, clothes, presents for my dearests and nearests, tours for holydays. It's not easy to choose even a good restaurant or a beauty salon. Uufff... The same situation is with the choice of the best credit cards. I was puzzled over it and at a loss till I came across a Credit Card Finder in the Intrnet.
I wanted one credit card that would suite all my needs. For going shopping, travelling, the opportunity to transfer my balance from one card to another my choice is made.

I have only one credit card and I'm satisfied with it . And I'd like to present my points of view on opportunity to be an owner of only one credit card.
First, it's nice for the people who don't carry zillion credits, shopping, debit, etc. who use it only when they are short on cash. The other great opportunity is that the credit company (or bank) is becoming an only friend and ally and provide athe best customer service. For absent-minded people it's convenient as they can't feel concerned about lost change or miscalculating payments made through cash. One credit card can definately take the place of two or five plastics as it's better to recieve only one timely detailed and helpful report than three or five for each card.
So I think it's possible to use only one credit card in an accurate way for all the purposes. Maybe I'm not right, so try to prove the opposite.

One day i was a little bored and thought: "why not to find some funny facts about credit cards?" :)))
So I desided to make a small collection of interesting facts about "plastics" that I didn't know before hand. I looked throgh the variety of web-sites, interviewed some cardholders and bankmanagers and after that put everything I learnt here!!!!

• At first, credit cards were just charge accounts, offered by individual stores and only usable at those stores and the first credit card that could be used at multiple locations was offered by The Diner’s Club in 1950.
• MasterCard and Visa are networks of banks and financial institutions. American Express is its own company and Discover Card is a subsidiary Morgan Stanley (who is spinning off the business).
• The Visa logo colors were chosen because the blue represented the sky and the gold represented color of the hills in California where Bank of America was founded.
• It's interesting to know that when you use your card, you agree to the cardholder agreement, you don’t have to sign anything. If you get an update to the agreement, you also agree to the updates once you use your card.
• Some interesting fact about the size was given in one site: "ever notice all your credit cards are of uniform shape and size? Their dimensions are governed by the ISO 7810 standard, an international standard for identification cards. Banking cards, as well as driver’s licenses and retail cards, follow ID-1 (passports follow ID-3). If your card has a smart chip, it follows ISO 7816, and if it has RFID, it follows ISO 14443."
• Interested to know about the Magnetic Stripes in a card. Hmmm... There are generally two types of magnetic strips, high-coercivity and low-coercivity, with the high-coercivity being stronger and more durable (also requiring more expensive equipment to handle). Higher-coercivity are usually black and low-coercivity strips are a dark brown, but there are special cases such as American Express’ patented silver colored magnetic strip.
• it occers that minors, those under the age of 18, are not obligated to pay back any charges to their credit cards (unless a parent co-signs, but then its the parent who is on the hook) because they are not allowed to enter into a binding contract.

And one more: There is no federal law regulating the rate of interest a credit card company can charge! The federal government use to regulate but repealed those laws during the Great Depression and never put them back in place, they now rely on the states to handle usury.
Of course you can find some more interesting facts about credit cards in the global net! You are welcome!!!