It’s a new recruiting service for professionals called Blue Chip Expert. It requires a referral, and is designed for full and part time professionals and specialists; they focus on helping top corporations to hire the best “experts” for projects they need to staff.
Blue Chip Expert generates placement fees from hiring companies, and shares portion of these fees with the members, who help build the network of professionals, or their designated Non-Profit . This incentive program allows you to benefit not only from the people you invite, but the people they invite, and the people they invite.
It is simple. You can get a new job or get paid for referring your friends. Signing up is free and takes less than 5 minutes.
Using a credit card is an important responsibility. A good credit record can help you get a job, make major purchases, and accomplish many short and long-term goals. A poor credit history can make it harder for you to rent an apartment, buy a car, or fulfill a dream. It is important to know how credit can change your spending power and how you can recognize the danger signs of credit and avoid serious problems.
The greatest disadvantage of credit use is losing financial flexibility in managing your own money. It can reduce your future buying power if you carry a balance and let finance charges build up.
How can you get rid of your credit card debt? The first thing to do is get all your credit card bills together. For each account, write down the total balance and the minimum monthly payment required.
The next step is to be sure you can make the minimum payments on your credit cards. Look at your spending and make cuts where you can to find the money to pay your credit card bills.
Credit card companies require a minimum payment each month. But you need to plan to do more than just pay the minimum. If you pay only the required minimum payment, it can take a very long time to clear your balance.
Here are some possible strategies to cut your debts:
Pay high-rate cards first - At higher interest rates, more of your monthly payment goes toward finance charges. Quickly paying off balances on cards with high rates can free up cash to pay other bills.
Pay off cards with the smallest balances first - Paying off cards with small balances gives you extra money to pay on the bigger balances.
Stop making new charges - If you have to, cut up your cards, hide them, or lock them in a drawer.
Stay flexible - The key to sticking to your credit card debt repayment plan is to stay flexible. If you find that you set unrealistic spending limits in the beginning, revise your spending plan the next month.
Get a cheaper credit card - Find one or two low-rate cards and cancel all the others. Switching from a high-rate credit card to a low-rate card can easily save you $200 or more a year.
Wait a minute. How can credit cards be both great and dangerous? It all depends on how you use them.
But when you look at the commercials on TV, you never get the feeling that having all that fun with credit cards will actually put you in debt. The ads only show you the glamour of credit. Airplanes flying toward sunny beaches. Fancy dinners. Cool home entertainment systems.
There’s not a word about the 12-20% interest rate you’re charged for borrowing money. No one mentions $25-$35 penalty fees for late monthly payments.
The advantages:
Smart shoppers take advantage of the many benefits of credit cards:
You don’t have to carry lots of cash in your wallet, which might get lost or stolen.
You have the power of money in an emergency. For example, you get a flat tire and have to call a tow truck.
You may be able to use the credit system to get a free loan. Some credit card companies allow you to borrow money for about four weeks. And you pay nothing, not a cent for using this money if you pay it all back on time.
By owning a credit card, you can build a good reputation for paying your debts on time. A good payment record will qualify you to take out loans for cars or borrow money to buy a house later in life.
The disadvantages:
Credit cards give you the freedom to buy things you really can’t afford.
Credit cards tempt you to buy on impulse because you always have the power to spend.
Credit cards can fool you into spending money on “great deals.”
Credit cards can tempt you to spend so much that most of your cash is going to pay your credit card bill. Then what happens? You begin charging everyday items because you don’t have any money in your pocket. It’s like being caught on a merry-go-round – one that you can’t get off. Each time you “go-round” you charge more and owe more.
Whatever it is, be wise in spending, be a smart shopper.
Newbie, short cut all the unnecessary struggles. I recommend Atomic Blogging
Ever dream about what it would be like to be a millionaire? Almost everybody does at one time or another. In their minds, they see chauffeurs, yachts, mansions, glamorous clothes, vacation homes on palm-treed islands. Lots of free time. No worries.
If you want something, you buy it. And a servant carries it into the house for you. Money is no problem, right? Let’s see how much you really know about millionaires. Here are the facts.
Most millionaires inherited their money - FALSE. Only 19% of millionaires were given any income or wealth from their families.
Millionaires don’t actually work - FALSE. Most work more than 45 hours a week. That’s more hours than most employees work in a week.
Millionaires shop in very exclusive stores, not where ordinary people shop - FALSE. 43% of millionaires have Sears or Carrefour charge cards.
Millionaires drive impressive cars - FALSE. Only 23% of millionaires drive a new car – that is, one manufactured in the current model year.
Most millionaires make their money in glamorous ways - FALSE. Most millionaires work in very ordinary jobs. They are paving contractors and owners of mobile-home parks, etc.
Millionaires have lots of credit cards, so that they always have enough money to buy things on the spur of the moment - FALSE. Many keep only one credit card, and most pay it off in full at the end of each month. Millionaires don’t like paying interest on debt.
Most millionaires own their business - TRUE. Lots of people think that millionaires work for large well-known companies. Most millionaires consider themselves to be entrepreneurs (people who start their own business from scratch). This fact may explain why they work more hours than you would think – they are the decision makers for their companies.
Many poor people become millionaires by winning the lottery - FALSE. The chances of winning the lottery are 1 in 12 million to 120 million. How likely are you to win the lottery? You have a better chance of being struck by lightening. Your chances of that are 1 in 9 million.
Most millionaires are college graduates - TRUE. 4 out of 5 millionaires are college graduates. 24% have earned masters or doctoral degrees. Another 14% have earned medical or law degrees. Most millionaires are well educated.
There’s a good possibility that you can be a millionaire - TRUE. It wouldn’t be hard to do either. Let’s say you invest $3,000 every year and earn just under 8% interest. You begin investing when you are 21. By the time you are 64, you will have saved a million dollars! If you save more, or if interest rates rise, you’ll be a millionaire sooner.
All of this is good news for the rest of us. It means that if we get an education, work hard, save our money, and avoid debt, we, too, might become millionaires.
People who became millionaires got there because they worked hard, didn’t give up, planned, and were careful with their money.
Wealth is not the same as income. You can earn a good income and blow it all on expensive things. Wealth is the money you accumulate. You save it and invest it. Many wealthy people do not live in expensive homes, and their personal habits seem pretty normal. Why aren’t millionaires more extravagant? Perhaps that’s why they’re millionaires. It’s something to think about.
Newbie, short cut all the unnecessary struggles. I recommend Atomic Blogging
Someone invited me to this interesting site.
Add to RSS
Add to Favs
Follow Me!
