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What Auto Financing Bad Credit Companies Can Do For Clients
By MICAH BLEECHER
In the game of vehicle financing, auto financing bad credit issues sometimes gets in the way. It is fortunate, though, that there are more than a few companies out there willing to take the risk of Read more...
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The Advantages of a Business Credit Card
By Morgan Hamilton
Modern businesses these days are finding life easy by using a business credit card. Smart business men always make it a point to establish their business credit through this type f credit card. This Read more...
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Personal Loans and Your Credit Score
By Joe Hanoa
Did you know that your credit score will most definitely impact the rate you pay on loans? That’s right, the higher your credit score the lower your interest rate will be for a home mortgage, auto Read more...
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Bad credit mortgage tides over a poor credit history
By Keith Gill
Applying for a mortgage or a home loan is fraught with difficulties. You need to have a good credit history if you want your loan application process to be completed smoothly. But, for those with a Read more...
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Double-entry book-keeping is the standard accounting practice for recording financial transactions. It was "invented" by the merchant venturers of Venice and codified for the first time by Luca Pacioli, a close friend of Leonardo da Vinci, in a 1494 footnote to a scientific paper.
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#Welcome to
i-prosper.org/Bank/Credit Reviews & Reports - your comprehensive credit
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Below, you'll find extensive information
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Credit Card Fool
By Thomas A. Martucci
We allow the card industry to make fools of us and we do nothing about it. If someone told you that you were being made a fool of, wouldn’t you address the issue? I know I would.
Credit card companies have revenue of $76.03 billion dollars and the majority of this revenue comes from late penalties and over limit and cash advance fees. $29.2 billion came from late penalties, $15.2 billion from over limit fees and $3.04 billion from cash advance fees. This amount is 62% of the card companies’ revenue and this does not include finance charges. Nice profit!
The above is the reason why card companies can afford to mail over 5 billion card offers per year. This equals to 6 offers per household per month. Maybe the $2 billion in postage alone is a reason why our government does not look into the card industry seriously.
Every bank and retailer wants you to have their card. Having their card enables them to make huge profits. In 2001 both Sears and Circuit City reported that over half of their corporate profits were from finance related revenue. Do you think this could be the reason why retailers always have an employee at the front door of their store offering you
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to sign up for their card and in return you receive a special gift or extra “so called” discount? Most special gifts and extra discounts end up costing you more than the original purchase due to finance charges.
I may not be able to confront these institutions that are trying to make a fool of me, but I can fight back by believing that “Cash is King” and using cash instead of will save me money in the end.
It’s a New Year and personal money management should be on the top of your list for 2006.
Thomas Martucci started developing the BUDGETkeeper SYSTEM in 1999. As a business owner for 20+ yrs, he understood the need for a budget in business. At home however, it was never a necessity until a financial firestorm hit and made home budgeting a task that had to be done, like it or not. Thomas labored for several years to perfect a home budgeting system that worked for anyone. Visit our website at www.budgetkeepersystem.com for more information about the BUDGETkeeper SYSTEM.
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