Zero percent interest is a very attractive credit card feature that gains a lot of attention. Although credit cards have the potential of becoming a dangerous tool, they do have practical uses. For example, credit cards allow easy transactions when purchasing items online. Furthermore, credit cards are great to have when having cash flow problems.
However, because of high interest rates, many consumers avoid using credit cards. Fortunately, there is a way to take advantage of credit cards without getting hit with a high interest rate.
What are Zero Percent Interest Credit Cards?
Perhaps you have seen a credit card offer featuring 0% percent interest. These types of credit cards are offered by several big name credit card lenders including Citi, Discover, and American Express. If you have good credit, a 0% interest credit card has many perks.
Of course, the rate does not always remain at 0%. This is called an introductory rate. In other words, you can expect to pay 0% on all purchases for the first six or twelve months. At the conclusion of the interest-free period, applicants will pay a higher rate.
How to Get Approved for a Zero Percent Interest Credit Card
To get approved for a zero percent interest credit card, you must have good credit. Each lender has a different definition of good credit. Before applying for a zero percent interest credit card, contact the creditor and inquire about their credit approval guidelines. This way, you avoid unnecessary credit inquiries.
Also, before submitting application, carefully read the terms of agreement. This section includes pertinent information such as late fees, over-the-limit-fees, penalties for late payments, etc. If acquiring a 0% interest credit card, do not submit late payments. By doing so, the creditor may immediately end the interest-free period. Moreover, being late on another credit account provides creditors just cause to end a 0% interest agreement.
Advantages of Zero Percent Interest Cards
Zero percent interest credit cards are ideal for financing large purchases in which you plan to payoff in a few short months. These cards are more practical than using high interest credit cards or obtaining a personal bank loan.
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How To Have Websites Built For You The Cheap Way
Normally, if you want to have professional designers custom build your site, you must be prepared to dish out at least a few hundred dollars. All this can change if you know where to find the best deals, the best designs for the lowest price. Here's a rough guide:
First, you must understand that it is a rip off to get companies to design websites for you. Have you ever seen those advertisements in newspaper classified ad sections that offer a 5-page website at $500? These companies are established companies with physical locations, therefore they have to increase the amount they charge to pay off some overheads: office rent, designer's wages, advertising costs and so on.
Therefore, it would be wise to find freelance designers who work from home. These people are often working from home so they do not have a high operation cost like that of a company. On the other hand, they will be able to design images with quality similar to those of designers from big companies, so it's a "no-brainer" choice.
However, choose freelancers with care. The best way to do this would be to go to elance.com. There, you can post the abstract of your project and get thousands of freelancers to bid on your project, so you will surely get the best deal. On top of that, you will be able to choose the designers based on their experience, past transactions and ratings, so your value for money is secured.
Another route you can take is to design your website yourself. Think about it, if you only need 5 simple pages to present some simple information, why waste hundreds of dollars for it? Just spend a little time to sit down and do it yourself. You'll be able to design your own sites even if you do not know a single line of HTML code with the help of WYSIWYG (what you see is what you get) programs such as Microsoft Frontpage, Macromedia Dreamweaver and so on.
First, you must understand that it is a rip off to get companies to design websites for you. Have you ever seen those advertisements in newspaper classified ad sections that offer a 5-page website at $500? These companies are established companies with physical locations, therefore they have to increase the amount they charge to pay off some overheads: office rent, designer's wages, advertising costs and so on.
Therefore, it would be wise to find freelance designers who work from home. These people are often working from home so they do not have a high operation cost like that of a company. On the other hand, they will be able to design images with quality similar to those of designers from big companies, so it's a "no-brainer" choice.
However, choose freelancers with care. The best way to do this would be to go to elance.com. There, you can post the abstract of your project and get thousands of freelancers to bid on your project, so you will surely get the best deal. On top of that, you will be able to choose the designers based on their experience, past transactions and ratings, so your value for money is secured.
Another route you can take is to design your website yourself. Think about it, if you only need 5 simple pages to present some simple information, why waste hundreds of dollars for it? Just spend a little time to sit down and do it yourself. You'll be able to design your own sites even if you do not know a single line of HTML code with the help of WYSIWYG (what you see is what you get) programs such as Microsoft Frontpage, Macromedia Dreamweaver and so on.
How to Get and Use E-Mail Addresses for Viral Advertising
Viral marketing has an array of possibilities and ways to achieve your overall goals. However, just like everything else, preplanning and the right setup to create success are the things you will need to make it work for you and your e-business.
The first thing you want to be sure you don’t do is get over-zealous. The one thing you need to avoid at all costs is spamming. Spamming is still used widely, but with the government establishing more restrictions and fines you don’t want this to be a problem for you. The professional image of your site will also suffer if you send mail blatantly.
Spamming requires a database that contains a huge list of e-mail addresses set up so that the message can be delivered with one click. The problem with it (aside from the governmental restrictions and associated fines) is that it irritates the recipients and kills the validity of your campaign, which in turn kills the factors that would motivate someone to refer your site.
You need to personalize by creating your website with personal appeal. You must see to it that your website makes your customers feel safe, secure and cared for. E-mail is important, because it is going to be one of the most affordable ways to keep in touch with your customers.
The proper way to handle email permission is to first let your customer know that you will not transmit their e-mail addresses to third party companies. The next thing to do is to attach the need for their e-mail addresses to benefits they can receive.
For example: Coupons or discounts that are only available to members who receive e-mail notifications. With each e-mail you send the viral marketing effect takes place.
The first thing you want to be sure you don’t do is get over-zealous. The one thing you need to avoid at all costs is spamming. Spamming is still used widely, but with the government establishing more restrictions and fines you don’t want this to be a problem for you. The professional image of your site will also suffer if you send mail blatantly.
Spamming requires a database that contains a huge list of e-mail addresses set up so that the message can be delivered with one click. The problem with it (aside from the governmental restrictions and associated fines) is that it irritates the recipients and kills the validity of your campaign, which in turn kills the factors that would motivate someone to refer your site.
You need to personalize by creating your website with personal appeal. You must see to it that your website makes your customers feel safe, secure and cared for. E-mail is important, because it is going to be one of the most affordable ways to keep in touch with your customers.
The proper way to handle email permission is to first let your customer know that you will not transmit their e-mail addresses to third party companies. The next thing to do is to attach the need for their e-mail addresses to benefits they can receive.
For example: Coupons or discounts that are only available to members who receive e-mail notifications. With each e-mail you send the viral marketing effect takes place.
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