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Find The Best Credit Card Deals

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(1 Reviews, 5.00 out of 5 Stars)
Find The Best Credit Card Deals5.00 out of 50 based on 1 voters.


The best credit card deals offer you real value for your money and special rewards and service even after the special promotions are over.
 
Banks target customers depending on what they want to achieve. When capital is tight, banks mainly offer small business credit cards and charge cards for short-term use. When capital is excess, the banks offer balance transfer deals and low APRs offers. Customers respond accordingly taking advantage of the special promotions from time to time. Cardholders switch banks during the seasonal special promotions which are tied to certain sporting events and entertainment which are sponsored by credit card companies.

Balance transfer offers

After the holidays and during the tax season most cardholders are attracted to balance transfer offers to reduce the finance charges by compiling multiple payments into one credit card. This saves them interest when they choose zero percent balance transfer cards or low-interest transfer cards. You will benefit from a zero percent transfer deal if you plan to pay-off or reduce the balance within the promotional period. Check the transfer fees applicable and weigh the benefits against the costs. If you intend to carry on a large balance after the promotional period, then a low-interest balance transfer card will be the right one for you.  
  
Category credit cards

Grocery stores, restaurants, airlines and supermarkets have their own class of customers who have certain spending patterns. Cash back credit cards are appealing to customers who cash-in on them. Get a credit card which offers you the best rewards on your regular spending category. Maximize the rewards on any big purchases you have planned to make in the near future.  

Sports and Entertainment credit card promotions

Credit card companies use sport events and entertainment to attract customers to sign-up in large numbers. There are credit cards which offer their Members privileges such as choice of preferred seats, VIP Packages and pre-sale tickets to attend special sporting events and entertainment concerts and film festivals either nationally or worldwide, before the tickets are offered to the general public. Some companies target fans during the promotion period to attract new customers to sign-up for new credit cards.

Lifestyle credit card promotions

Credit card companies tap people's lifestyles by offering them attractive perks which include free meals, free flights and other treats. The free restaurant meals are offered to new cardholders as a sign-up bonus. Airline credit cards offer free flights and round trips in addition to redeeming reward points on hotels and car rentals while new cardholders with bonus points can redeem the points to book free room nights from their hotel accounts. Certain cards have 24/7 Concierge services which you can use to book flights, hotels, car rentals and enquire about directions among other things. 

Promotions change depending on the season and the competition in the market. You should take advantage of signup bonuses and rewards when you spot them because the offers may not last for long. We have listed the best credit card deals which are available now and we keep updating the information from time to time. Use the tables we have provided to search the best credit card deals on offer and choose the one that is suitable for you and your family.

How To Save Money On Cable and Internet

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(2 Reviews, 3.00 out of 5 Stars)
How To Save Money On Cable and Internet 3.00 out of 50 based on 2 voters.


The cable TV bills have been high with some people paying more than $1,000 each year. There are many ways you can save money on cable and internet. You can watch many over-the air channels for free if you live in the city by buying and fixing an indoor or outdoor antenna which is easy to fix. This is free TV and it is the easiest way to do away with the cable bills. You can watch ABC, NBC, CBS, CNN, Fox and other free channels. AT&T rooftop antenna provides free viewing of channels without paying for them. There are a few of these channels in the rural areas and you should check what is available in your location.

There are free shows, movies and music which you can download your favorite TV shows and clips from Hulu.com a favorite of many viewers who love to watch ads, Amazon, You Tube, Apple iTunes and many more if you have an internet connection. This is a free service you can use which costs you nothing as long as you have fast internet connection. The people with iPad, iPhones and iPods know the convenience of watching movies and listening to their favorite music from Apple iTunes wherever they maybe whether at home, on-the-go, gym or at work.

There has been stiff competition between cable and internet providers which has been good for the customers who can now enjoy lower rates than the monthly bills they have been paying. There are different websites which you can browse to check the services and rates offered by AT&T, Comcast cable communications, Time Warner Cable, Charter Communications, Cox Communications and many others depending on your location. You should compare rates from providers side by side and pick the best deal.

These cable and internet providers bundle TV, high speed internet and home telephone service in one package which is cheaper than paying for the services separately. You can talk on your phone as you surf the internet or as you watch TV. Take advantage of these packages and special offers and you will save significantly. The same company can offer different rates and you can choose the best rate that serves your purpose.

If you want to save money reduce the number of channels you subscribe most of which you may never watch. You should call your cable and internet provider and request for a discount or just subscribe for the basic package option. You can ask for a reduction in price and tell them you are trying to reduce your expenses and if they don’t lower you will move to another company. Find out what other competing companies are charging and negotiate with your provider for bargains. Ask for a discount and quote the rates the other companies are charging or what your provider is offering new customers. You will be surprised at the reduction they will offer you by just making a call. Do not threaten them only state your case and they will help. If your provider does not lower rates move to a cheaper service provider and they are there, you only need to look around for the best deal.

If you want to watch a movie you should consider other available options. Visit your local library and borrow DVDs for free. Many libraries have a wide variety of popular TV series and movies on DVDs. You can also rent DVDs for minimal amounts from Netflix and Redbox among others. Share movies and watch them together with friends who can also bring their own. If you are a member of Netflix you and your family will be able to watch free unlimited streaming TV shows and movies. Amazon Video-on-Demand has thousands of movies and TV shows which you can download at a fee.

Video rental services like Netflix give you an opportunity to watch unlimited movies and TV channels by charging a flat rate on their DVDs.  You can watch your favorite TV shows and movies either on your computer or by connecting your PC to the TV. You will need fast speed internet connection to download the streaming movies. You can rent DVDs at a fair price and play your favorite games on many websites.

Share high-speed internet with someone else like your neighbors especially if you live in an apartment if your service provider allows such an arrangement. This can reduce your bill to half or a third of the charges. Use Smartphone internet connection or watch movies on an iPad or connect to a USB modem to trim the bills.

You can watch Entertainment and Sports Programming Network ESPN online for free. Instead of paying per-view fees for sports which can be expensive, watch your favorite sports on this channel free.

How To Save Money On Heating Bills

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How To Save Money On Heating Bills 5.00 out of 50 based on 1 voters.


1. Buy a programmable thermostat and set lower temperatures when no one is at home and during the night. Program and preset the required temperatures so the thermostat will adjust itself using the settings before you reach home or before you wake up. This can save heating bills to more than $180 annually. During warmer days switch off the heating system and open the windows facing south to let the rooms be heated by the sun and close windows and drapes in the evenings to tract the heat inside.

2. Seal and insulate ducts, cracks and any gaps surrounding windows and doors with aerosol sealants, caulk, weather sealing or silicone and also on the openings where pipes enter and exit the house so you can keep away cold draughts. Close doors and vents to the rooms which are not being used and also the attic entry. Insulate windows, walls, floors and the roof especially the attic and the unheated basement. Insulating the garage door also helps warm the rooms near and above the garage. Cover all the openings under the exterior doors and the attic door with blankets. Cover windows with plastic sheeting and use tape to seal off windows and doors of unused rooms. Check the wall where it is connected to the floor and the ceiling and seal those openings.

3. Get your water heater serviced regularly. Do not wait until it needs major repairs. A well maintained water heater saves energy costs. There are water heater covers which save wastage of heat. Put a water heater cover on the heater and insulate the area below the water heater. When you need to replace buy an energy-efficient water heater especially ENERGY STAR-qualified water heater which saves energy by more than 50%.

4. When you use a clothes’ washer use low temperature water. Many clothes do not need to be washed in hot water. Use cold or warm water and dry the clothes on the laundry line or hang them on the rack which you can move inside at night. You should buy ENERGY STAR certified washers which preserve energy and reduce your heating bills significantly. You should check the off-peak times when electricity rates are lower and wash clothes at that time.

5. Open the oven door after baking so the heat can warm the kitchen and other nearby rooms.

6. Dress warmly during winter so you will not need high heating temperatures in the house.

7.  Clean air filters monthly and replace them every 3 months. Clogged air filters waste a lot of energy if they are not cleaned regularly.

8. Lower the water heater to 120 degrees and the water heating bill will be less. Install a low-head shower head to save water and electricity by as much as 50% if you take short showers instead of baths. You can install a Tankless shower which heats the water as it is needed. This will save on heating costs significantly.

How To Save Money On Shipping

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How To Save Money On Shipping5.00 out of 50 based on 1 voters.


Compare Shipping Companies

To save money on shipping you need to choose the shipping company that you will deal with. Look around and compare rates charged by different shipping companies which include USPS, DHL, UPS, FedEx and others. There are numerous websites which you can browse on the internet to compare the rates and services. There are companies that offer discounted rates but in most cases you will have to ask for a discount yourself especially if you are a business. When you use one company for sending and receiving the shipments you will receive discounts and the prices will be lower. You can negotiate for discounts especially if you send large and regular shipments.

Size and Weight

Charges depend on the size, weight and destination of the package and also the extra services offered. There are many shipping methods offered and you will need to choose the most-cost effective method. This will depend on what you are shipping whether they are perishables, documents or durables. Always choose a money-saving service which is also reliable. You need to be sure that you products and documents arrive safely to your destination in good condition.

Shipping Options

Some online stores offer free shipping for their products. Amazon offers free super saver shipping on certain eligible items in their website. You will also save money when you buy many purchases at once. Wait until you have numerous purchases and you save on shipping costs. You can also buy the products in bulk and save shipping costs per item. The earlier you buy your online purchases the cheaper the shipping costs will be if you choose the slow shipping option like Media Mail for small size books, CDs and DVDs. If you are flying you can send your luggage in advance. Go for the cheaper option and choose slow-shipping if you want to save money unless you need to ship the products immediately by express mail.

Packaging

Shipping companies weigh your parcel and also measure its dimensions. Both the weight and the size will determine the charges. To save on shipping you will need to package your parcel in the right package. Pack it as light as possible and in the minimal size to save on shipping. You can ask you local store manager for free cardboards and wrapping materials and save money on packaging. You can also browse recycling centers in your area for free shipping boxes. When packing avoid extra spaces and pack your parcel using light materials in the spaces such as styrofoam peanuts or shredded paper especially for fragile and delicate items.

Buy in Bulk

If you have to buy shipping materials such as tapes, boxes, envelopes, bubblepak, Styrofoam etc. buy in bulk to save on costs. There are companies which provide free packaging materials such as boxes and envelopes in particular sizes. USPS online sends you free boxes and envelopes to use on Priority and Express Mail when you open an account with them. Make your order and they will ship them to you for free. If you have an eBay account you can order without opening an USPS account. You should recycle packing boxes and materials by using what you already have.

Compare Prices

When you compare online prices you will need to enter your Zip Code, the destination you are sending the parcel, the size and weight of the package. Use a certified postal scale to weigh the parcel. Buy a good postal scale especially if you are an eBay, Amazon or Etsys seller because you will need to measure the exact weight to get the shipping costs calculation and avoid underestimation. Measure the width, length and height of the parcel and enter the details on the online shipping calculator. The charges will be displayed and you can do this on as many websites as you wish until you get the price that fits your needs and budget. The price charged will also depend on what is being shipped, the destination and the days it takes to arrive. The flat-rate offered by some shipping companies is better for packages that are heavy and bulky. You will be able to save substantially when you pay a flat rate.

Postage and shipping labels

You can print your USPS postage and shipping labels from your computer by downloading the software tools they have provided on their website in order to save money on printing.

Extra Services

USPS, UPS and FedEx have pick-up services which will save you fuel because they will pick the packages from your home or office. USPS carrier pickup service is free unless you need the USPS pickup-on-demand service for packages which you need to be picked immediately which will be charged. FedEx and UPS charge fees for their pickup service.

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