Tips for Using A 0 Balance Transfer Credit Cards

0 balance transfer credit cards can come in handy when you have a large balance on an existing credit card. By transferring to a 0 balance transfer credit card you get to pay down your account without accruing interest.

Usually the 0% APR is for an introductory period of 6 to 12 months. After which you’ll start accruing interest. So how can you use a 0 balance transfer credit card effectively.

  1. Find the card with longest 0% introductory period
  2. Start paying off your balance on your new card
  3. Never use your old card. Cut it up, throw it out or set it on fire. Just don’t charge anything to it. You can get yourself in an even bigger hole this way.
  4. Become debt free!

A lot of people will use this method when they rack up too high of a balance. Beware that you can hurt your credit score by hoping around to the latest balance transfer offer. Do it once to get yourself out of debt and never look back.

 

Are Credit Unions Better Than Banks?

With all the financial trouble the world seems to be having right now it’s tough to know who you can trust. Credit unions are an alternative banking options that offer unique benefits to customers. So, are credit unions better than banks? Well, we hope to show you a few ways they are.

Credit unions are non-profit organizations. Because they are non-profit, they can offer lower interests on loans and mortgages and higher interest rates on CD’s and savings accounts. Credit unions are also member owned, so when you make you initial deposit, you get voting rights on key credit union decisions.

Below are the top 3 reasons why credit unions are better than banks.

Better Rates

Credit unions offer higher rates for members. These higher rates are for banking products like money market accounts, interest bearing saving accounts and CD’s. They are often 3-15 times more than regular banking institutions. If you looking for a very safe place to hold your money and make a bigger return, you should look at what rates your local credit union has to offer.

They also offer lower rates for financial products like loans, mortgages, credit cards and home equity lines of credit.

Better Customer Service

Most credit unions are small and serve a the geographic area around the bank. Because of this you will often find that you get more personal service when visiting. Lines are usually smaller too. One nice feature of banking with a credit union is there willingness to work with you when applying for a loan. Credit unions want to do whats best for their members so they’ll take the time with your to get your loan approved.

Better Fees

We’ve all been there. Over drafted our checking accounts because we forgot about our Netflix subscription. As soon as it happens we get slammed with a $35 overdraft fee. Credit unions will generally have much lower overdraft fees which can save you hundreds of dollars over the course of a year.

This was just a quick list of why credit unions are better than bank. Do you have a favorite credit union? Let us know what it is in the comments.

 

 

Why Do Cats Have Rough Tongues?

When I was little, my neighbor’s cat licked me. I was absolutely shocked by how rough his tongue was on my skin. I remember asking my Dad about it, and he said that it was their own personal hairbrush. I actually got a good look at my cat’s tongue today, and I realized it looked kind of like velcro. So why do cats have rough tongues?

Well it turns out that my dad was right. Their tongues are rough to help them shed hair and remove dirt on their bodies. One other really neat fact I found out is that cats have taste buds that are located towards the back of their tongues. They also have very few taste buds so their sense of taste isn’t as good as a humans.

Is College Free in Canada for Canadians?

So my guilty pleasure is watching Degrassi. Degrassi is a show based on the lives of high school and college students and every week there’s some taboo subject that they touch upon (a character kills themself, od’s, gets pregnant, has an abortion, blah blah blah). Anyhow, it’s based in Canada.

So I was talking to one of the few people that I openly admit my obsession of this to (until now), and he said that he thought college was free in Canada, and I was all “OMG LYKE NO”. So here I am.

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How do you pick the right puppy from a litter?

For the past 5 years, I’ve been telling myself (and everyone else) that I’d be getting a Bulldog, as soon as the time was right. The time being right = when I have a pet friendly apartment and when my cat is fat and lazy enough not to care anymore.

Anyhow, I was thinking.. how can you tell if you’re getting the right dog or not? I guess most people go on instinct, after all that’s how I chose my cat, and despite my previous post on her super snobby ways, she’s still better trained than any other cat I’ve met.

But alas, there is apparently a few ways to tell which dog will fit your own mannerisms that I found on a Bulldog information website, but it applied cross-breed.

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