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1). 10 Dirty Tricks Credit Card Companies Play The credit card companies make billions each year in legitimate interest charges and fees, but are under constant pressure from the shareholders to in 2). 9 Steps To Get Out Of Debt - Part 1 Nowadays, debt has become a standard part of life. It comes in many forms including student loans, medical bills, auto loans, unpaid utilities, mortgages, money borrowed from friends and relatives, store credit and the most dreaded of them all, credit card debt. It’s a part of life for almost all of us, rich or poor, but it doesn’t have to be. In t... 3). 9 Steps To Get Out Of Debt - Part 2 Step 2 - Understanding the Impact of Debt Knowing the full impact debt is having on your life will help you understand how truly important it is to get out of debt and will help keep you motivated to pay off your debt. This article will help you to understand the consequences of debt, both financially and otherwise. Let’s ... 4). 9 Steps To Get Out Of Debt - Part 4 Step 4 - Reducing Your Interest If you have read the previous articles, so far you have learned how wide spread of a problem debt is, the true impact it can have on your life, and how to determine exactly how much debt you have and how much it will actually cost you. The next step is to attempt to reduce your interest rate. There are s... 5). 9 Steps To Get Out Of Debt - Part 8 Step 8 - Getting Insurance Most people are only one major disaster or a few weeks of unemployment away from bankruptcy. If you have done all this work to get out of debt, you don’t want it to all be in vain, just by one major crisis hitting you or your family. There’s nothing you can do to totally protect yourself from every type of ca... 6). 9 Steps To Get Out Of Debt - Part 9 Step 9 - Investing This is the last article in our series on how to get and stay out of debt. So far you have learned the impact of debt, how to analyze your debt, reduce your interest rates, free up some extra income, pay off your debt, avoid falling back into debt, and insure yourself against unforeseen circumstances. This final arti... 7). Creating An Art Affiliate Website There is a huge market for art. Almost all people from any age or background will buy art and posters from time to time. By purchasing this art online consumers can save a lot of money over retail stores. Knowing all of this puts you in a great position to make a profit by directing consumer to this art without having to make a significant investme... 8). Credit Card Rewards Programs: Rewarding... Or Not? In 1950, the first credit card that could be used at more than one, specific merchant emerged on the market. The Diner’s Card, started by Frank McNamara, was an invention that got its start when Frank was having a business meeting over dinner, and realized he had forgotten his wallet at home. Of course, the man was extremely embarrassed, and had to... 9). Five Factors To Consider When Selecting A Personal Credit Card Nowadays many credit card companies offer perks to lure new customers ranging from introductory offers with zero percent interest for transferred balances, Reward Programs offering airline mileage and cash back, and discount programs with select merchants. While these offers may be very enticing, there are five key factors, none of which include pe... 10). Help Your Small Business Succeed With A Credit Card One of the many difficulties of starting a small business is gaining access to capital during the startup phase. With the large growth in small specialty businesses across the country, credit card companies are beginning to design special programs to help this new breed of business achieve success. For even those small businesses that have access t... 11). How To Choose A Business Credit Card As you start a business, you'll be paying out money left and right for various fees and supplies needed to get things going. If you're expanding your business, you'll most likely be in the same situation. One of the best ways to handle expenses for your business, whether they are start up costs or ongoing incidentals that occur, is to obtain a busi... 12). How To Choose The Perfect Bread Maker Bread makers are extremely popular. The average person can make delicious, homemade bread quite easily with a bread maker. Even with the ease of a bread machine, you must still use caution when adding the ingredients, even if you use a mix. You can make a variety of shapes and sizes of loaf with a bread machine. Many people use a bread machine to s... 13). Obtaining A Credit Card - With A Less Than Perfect Credit History If you have had difficulty keeping up with your bills, you can rest assured you are not alone. Many people have run into trouble or a shortage of cash flow from time to time that has resulted in the inability to make all of their payments in full and on time. However, just because you don’t have a perfect credit history does not necessarily mean th... 14). Rebuilding Your Credit History Your credit history is very important for you because when it comes to big loans your credit report will determine if you can get the loan and what rates you’ll have to pay. The credit report will matter a lot when you apply for a mortgage loan, for a car loan or for getting insurance on your house, your car or your life. If your credit report does... 15). Selecting A Credit Card How many "pre-approved" credit card offers do you get in the mail in the average month that seem to shout at you to accept the offer before it expires? If you're in the market for a credit card, take some time to shop all the offers to get the best credit card available to you. First, look into the credit card terms and conditions. The... 16). Setting Up An Art Affiliate Site - Part 2 Step 4 - Choose a Domain Name This sounds like an easy step, but you may soon find it can be surprisingly difficult. As mentioned before the majority of your traffic will hopefully come from search engines. To rank well in search engines one of the key factors is to obtain a domain name that includes one or more of your keywords. This ... 17). Setting Up An Art Affiliate Site - Part 3 The phrase "If you build it they will come" definitely does not pertain to websites. Getting visitors to your site is easy; doing it in a way that is profitable is very difficult and takes a lot of work. This is the most difficult and most critical phase to operating a profitable art affiliate site or any website for that matter. There's no magic f... 18). What's In A Credit Report Thanks to a new federal law put into place in September of 2005, everyone is entitled to one free credit report each year. This is so that you can verify that your report does not contain any false information, and so you can see how your credit rates. Getting your annual free report is as easy as going to the authorized source, www.annualcreditrep... 19). When It Seems Hopeless: How To Pay Off Credit Card Debt When considering many of the inventions that we use regularly, the credit card is a relatively new idea; the first credit card that could be used at more than one merchant was issued in 1950. Frank McNamara started the “Diner's Club” credit card company with about 200 card holders, and it was also the start of the vicious cycle many credit card use...