How do you like to get your hands on a cool cellphone? These cell phones have every gadget you can imagine. Touch screen, camera, Bluetooth and even TV. So everything you can imagine in a cell phone. And the price so low- too good to be true.
But these cell phones come with a big risk. If the battery explodes you are stuck with it and the chances are cell phone won’t be exchange. You can bet these cellphone haven’t been checked for radiation. Radiation too much can cause a serious damage to your health and you will not turn into a Spiderman. These cell phones also don’t have IMEI or a fake IMEI. IMEI is the identification number of a cell phone. No IMEI in a cell phone is like a car without a license plate. So buy carefully and check thoroughly.
Wednesday, September 17, 2008
Friday, August 8, 2008
Dota Map 6.54
dota 6.54
New DOTA 6.54 was released by Getdota just a few weeks after DOTA 6.53 . There are many changes made in this map including the DOTA HEROES in which involved Shadow Priest,Invoker,Phantom Lancer and Abanddon. Here are some of the DOTA HEROES changes6.54 Changelog
================
* Added extra dynamic replay data to help replay parsers present in-game data (
* Rebalanced Invoker
* Reworked Shadow Priest
* Various changes to Phantom Lancer and Spirit Lance
* Changes to Aphotic shield and Borrowed Time
Source from Getdota.com
Friday, March 28, 2008
Reality Check: Half of Households Have No Credit Card Debt
If you’ve ever heard that the average household carries $9,000 of credit card debt and thought that you were ok with your balance, think again. In reality, half of American households have no credit card debt at all and nearly a quarter more have less than $2,200 in credit card debt.
There are both times to have and places to carry debt, even large amounts of it. But at no time should the place to carry that debt be a credit card. For many, credit cards are a strategic financial tool used for interest free loans, travel rewards and even cash back. For others, credit cards are an extension of income and that is when things can go very wrong.
There was an article published recently at CreditCards.com with the results of a study fielded by GfK Roper Public Affairs and Media and sponsored by CreditCards.com that was touted as a “benchmark report [that] delves into every aspect of credit cards’ role in people’s lives: how Americans use, manage, understand, select, and feel about credit cards.”
One paragraph in Taking Charge: America’s Relationship with Credit Cards reads: “By some estimates, the average American household has over $9,300 in credit card debt. Yet, despite Americans’ concern about their spending habits, few people are willing to own up to their balances: over 90 percent of survey respondents believe they had the same amount – or less – debt as the average American.”
The report wanted us to believe that everyone either lies about their credit card debt or that they are in denial about it. The response however matches the numbers from the Federal Reserve Board’s Survey of Consumer Finances. More than 90 percent of American households do have less than $9,300 in credit card debt. The respondents weren’t lying or in denial. The question that was asked implied that the average American has more than four times the amount of debt they actually have, so they all said, “No, I have less.”
When you take all the credit card debt there is and divide it by the number of people who have that debt, you would end up with a figure of around $9,000, giving you, yes, the average credit card debt. But what the average number doesn’t tell you is that if my brother and I are eating a Dilly Bar at Dairy Queen with Warren Buffet and Bill Gates, the average net worth between the four of us is $22.5 billion. In reality, my brother and I have nothing and Warren and Bill have it all. You see the problem with average.
For an update on the numbers, the Federal Reserve Board should conclude this month with their 2007 Survey of Consumer Finances. This survey dates back to 1962, but has been conducted triennially since 1983 to provide a representative picture of what Americans own—from houses and cars to stocks and bonds. It also gives an updated view of how and how much consumers borrow and how they bank. Naturally, the numbers go up, about the same, every year. From 1990 to 2000 debt doubled.
“The results of the survey will fill a gap in our knowledge about the financial circumstances of different types of households," Ben S. Bernanke, Chairman of the Board of Governors of the Federal Reserve System, said in a letter to prospective survey participants. Past study results have been important in policy discussions regarding pension and social security reform, tax policy, deposit insurance reform, consumer debt and a broad range of other issues.
Summary results for the 2007 study will be published in early 2009 after all data from the survey have been assessed and analyzed. Until then, we now have the finalized data from the 2004 survey.
According to the 2004 Survey of Consumer Finance, more than half of all households, 53.8 percent have no credit card debt. About half that number, a quarter of all households, report having no credit card whatsoever. The other chunk, nearly 29 percent of all households, pay off their balances every month.
Of the 46 or so percent of households that carry some amount of credit card debt, the median balance, or the number in the middle, is $2,200. That means that half of the roughly 46 percent of American households that carry credit card debt have less than $2,200 in credit card debt; the other half owes more.
If all the numbers from the 2004 Survey of Consumer Finances are understood and interpreted correctly, that would indicate only 23 percent of households have more than $2,200 in credit card debt. About 8.3 percent of them carry $9,000 or more. In other words: it is not normal to have high amounts of credit card debt. If you have it, you have a problem that needs to be fixed.
There are many ways people acquire credit card debt: medical emergency, car breakdown, tuition and books, and impulse buys। Everyone must know that their balances should be paid off every month. Carrying a long-time balance is incredibly costly, and not just in monetary terms. If you have credit card debt admitting there is a problem is the first step, then getting help. Help is out there.
Sunday, March 23, 2008
Credit card DEBTS-Pay Off Those Credit Cards - Fast
Maybe you’re trying to improve your credit score so that you can qualify for a home loan. Maybe you’ve found that the rising cost of gas and groceries is leaving you with precious little money with which to pay down your credit cards. Or maybe you’re just tired of seeing hundreds of dollars fly out of your wallet each month to pay for that lovely family vacation you took – two years ago. The reasons vary, but the story remains the same: All over the world, people want to get rid of their debt. And they want to do it fast.
Is it even possible to pay off thousands of dollars of debt in a short amount of time? Yes, if you’re willing to do what it takes. A little scrimping and penny-pinching today will save you from heavy debt and interest charges down the road. Wouldn’t you like to be debt-free by this time next year? Surely that would be worth sacrificing a few trips to Starbucks.
To pay off your credit cards in a timely manner, you must first forget that you ever heard the phrase “minimum monthly payment”. Paying the minimum amount required by your credit card company will do nothing to get rid of your debt. In fact, it could take decades before your cards are paid off with minimum payments.
Find a way to double or even triple your credit card payments each month. If your minimum monthly payment is $150, send in $300 instead. This might sound daunting, but it’s the surest path to a debt-free tomorrow. Make some small changes in your daily life to compensate. For example, start cooking at home instead of eating out. Negotiate lower interest rates on your credit cards. Reduce your energy bill and other utilities. Get rid of monthly charges you don’t really need, like super-deluxe satellite television packages. When you down-size your other bills, you can devote more money to getting rid of your credit card debt.
Debt consolidation is another option. Go with a lender you trust, such as your personal bank. Try to arrange a personal debt consolidation loan, then use it to pay off the balances on your cards. The loan will likely have a much lower interest rate than the cards. You’ll end up with one loan rather than many indebted accounts, and you’ll have lower payments to tackle each month.
If your credit card debt is small to moderate but subject to high interest rates, try transferring it to a 0% interest credit card. Just be sure to pay off the balance before the 0% introductory phase runs out – typically 6 to 12 months after card activation.
These debt-reduction strategies can be used by anyone. Start now before your debt becomes unmanageable. You don’t want to file for bankruptcy just because you overspent! Instead, take the hard road for a few months in order to have smooth financial sailing down the road.
Is it even possible to pay off thousands of dollars of debt in a short amount of time? Yes, if you’re willing to do what it takes. A little scrimping and penny-pinching today will save you from heavy debt and interest charges down the road. Wouldn’t you like to be debt-free by this time next year? Surely that would be worth sacrificing a few trips to Starbucks.
To pay off your credit cards in a timely manner, you must first forget that you ever heard the phrase “minimum monthly payment”. Paying the minimum amount required by your credit card company will do nothing to get rid of your debt. In fact, it could take decades before your cards are paid off with minimum payments.
Find a way to double or even triple your credit card payments each month. If your minimum monthly payment is $150, send in $300 instead. This might sound daunting, but it’s the surest path to a debt-free tomorrow. Make some small changes in your daily life to compensate. For example, start cooking at home instead of eating out. Negotiate lower interest rates on your credit cards. Reduce your energy bill and other utilities. Get rid of monthly charges you don’t really need, like super-deluxe satellite television packages. When you down-size your other bills, you can devote more money to getting rid of your credit card debt.
Debt consolidation is another option. Go with a lender you trust, such as your personal bank. Try to arrange a personal debt consolidation loan, then use it to pay off the balances on your cards. The loan will likely have a much lower interest rate than the cards. You’ll end up with one loan rather than many indebted accounts, and you’ll have lower payments to tackle each month.
If your credit card debt is small to moderate but subject to high interest rates, try transferring it to a 0% interest credit card. Just be sure to pay off the balance before the 0% introductory phase runs out – typically 6 to 12 months after card activation.
These debt-reduction strategies can be used by anyone. Start now before your debt becomes unmanageable. You don’t want to file for bankruptcy just because you overspent! Instead, take the hard road for a few months in order to have smooth financial sailing down the road.
Thursday, March 20, 2008
Credit Cards Offers: The Importance of Comparison
Each day, thousands of Americans receive credit card offers in their mailboxes. Was today your day to receive a credit card offer? If you are like many Americans, you may have taken two different steps. Many Americans simply toss their credit card offers in the trashcan, while others start filling them out right away. If your first instinct is to fill out the credit card application, you will want to continue reading on, particularly before taking any further action.
In the United States, credit card debt is becoming a major cause for concern. No matter where you turn, you are likely to hear of the dangers of owning a credit card. Yes, having a credit card does put you at risk for credit card debt, but that risk is a lot easier to control that many imagine. Unfortunately, this control is often limited in its focus. Once you receive a credit card, it is important to familiarize yourself with proper use, but what if you have yet to receive a credit card? This is where many hopeful credit card owners go wrong; they accept the first credit card offer that comes their way. This is a mistake that you want to avoid, as it is one that can turn into a financial deathtrap.
Although it is important to hear that you should avoid accepting the first credit card offer that comes your way, you may be curious as to which course of action you should take. Before accepting any credit card offer, it is advised that you thoroughly read through the terms of service. Be on the lookout for any high fees or other high risk penalties. After this research has been completed, you will then want to compare. It is important to remember that there are an unlimited number of credit cards for you to choose from. In today’s society, credit cards come in all different sizes, shapes, and styles. This can work out to your advantage, but only if you use comparison.
One of the many reasons why you should compare credit card offers before accepting one is because of the money saved. As it was previously stated, credit cards come in a number of different formats. Why would you pay an annual fee to own a credit card when you can qualify for a credit card with no annual fees? This simple point is actually one that many hopeful credit card owners fail to take into consideration. Without comparison, you do not know what is around the corner. For all you know, around the corner could be a credit card with a rewards program, low interest rates, no annual fees, and balance transfers. As a reminder, you never know what other credit cards are out there, unless you look.
Speaking of looking, it is important that you know what to look for, when comparing credit card offers. One of the most important factors to examine, when looking to acquire a credit card, is interest rates. Interest rates are so powerful that they can turn a simple purchase into a largely expensive one. When comparing credit card offers and interest rates, it is important to examine more than just introductory interest rates. It is important to remember that introductory interest rates do not last forever. To prevent yourself from falling victim to credit card debt, the majority of your focus should be placed on long-term credit card interest rates. It is also advised that you take late fees, annual fees, balance transfers, and cash advance fees into consideration.
As outlined above, comparison is important, when it comes to credit card offers. Credit card offer comparison enables you to find the credit card that best suits you and your needs, as opposed to the first credit card offer that comes your way.
In the United States, credit card debt is becoming a major cause for concern. No matter where you turn, you are likely to hear of the dangers of owning a credit card. Yes, having a credit card does put you at risk for credit card debt, but that risk is a lot easier to control that many imagine. Unfortunately, this control is often limited in its focus. Once you receive a credit card, it is important to familiarize yourself with proper use, but what if you have yet to receive a credit card? This is where many hopeful credit card owners go wrong; they accept the first credit card offer that comes their way. This is a mistake that you want to avoid, as it is one that can turn into a financial deathtrap.
Although it is important to hear that you should avoid accepting the first credit card offer that comes your way, you may be curious as to which course of action you should take. Before accepting any credit card offer, it is advised that you thoroughly read through the terms of service. Be on the lookout for any high fees or other high risk penalties. After this research has been completed, you will then want to compare. It is important to remember that there are an unlimited number of credit cards for you to choose from. In today’s society, credit cards come in all different sizes, shapes, and styles. This can work out to your advantage, but only if you use comparison.
One of the many reasons why you should compare credit card offers before accepting one is because of the money saved. As it was previously stated, credit cards come in a number of different formats. Why would you pay an annual fee to own a credit card when you can qualify for a credit card with no annual fees? This simple point is actually one that many hopeful credit card owners fail to take into consideration. Without comparison, you do not know what is around the corner. For all you know, around the corner could be a credit card with a rewards program, low interest rates, no annual fees, and balance transfers. As a reminder, you never know what other credit cards are out there, unless you look.
Speaking of looking, it is important that you know what to look for, when comparing credit card offers. One of the most important factors to examine, when looking to acquire a credit card, is interest rates. Interest rates are so powerful that they can turn a simple purchase into a largely expensive one. When comparing credit card offers and interest rates, it is important to examine more than just introductory interest rates. It is important to remember that introductory interest rates do not last forever. To prevent yourself from falling victim to credit card debt, the majority of your focus should be placed on long-term credit card interest rates. It is also advised that you take late fees, annual fees, balance transfers, and cash advance fees into consideration.
As outlined above, comparison is important, when it comes to credit card offers. Credit card offer comparison enables you to find the credit card that best suits you and your needs, as opposed to the first credit card offer that comes your way.
Sunday, March 9, 2008
Zero Interest Credit Cards: Do They Exist?
According to Google, lots of folks are searching the Internet for 0% interest credit cards, no-interest credit cards, and interest-free credit cards. Do such cards really exist, or are these potential card holders embarking on a wild goose chase?
You can find 0% interest credit cards. However, the length of the 0% interest period varies from card to card. If you have been hunting for a card that never charges interest, you are, sadly, out of luck. Credit card companies make money from the interest you pay them. But some credit cards do offer an interest-free first year, or even longer. This is great for card holders who anticipate carrying a balance, but who will be able to pay it off before the introductory period runs out.
At the time of this writing, several companies offer 0% interest cards. The Citi Platinum 12 month BT MasterCard, as its name suggests, offers 0% interest for 12 months at an average APR of 16.9%. The Discover Platinum also offers 0% interest for 12 months, with an average APR of 10.99%.
Other cards have lower rates and longer interest-free periods. These include the Advanta Platinum Rewards MasterCard, with 0% interest for 16 months and an average APR of 7.99%; and the American Express Blue Credit Card, with 0% interest for 15 months and an 11.74% APR.
These are just a few of the 0% interest cards out there. It definitely pays to shop around and find the one that best suits your needs. Look for balance-transfer cards that offer rewards, too, if the terms are agreeable.
If you are thinking of getting a 0% interest card in order to transfer other another card’s balance onto it, do your homework first. You could get hit with a balance transfer fee, typically 2% of the amount you wish to transfer. Also, these cards might carry interest charges for purchases made. Look for credit cards that offer 0% interest for the life of the transfer, but also beware of ‘minimum monthly spend’ requirements. If you fail to meet those requirements, the interest charges will start rolling in.
Yes, there are 0% interest credit cards out there – if, by zero interest, you mean a no-interest introductory period, or zero interest on the life of a balance transfer. Either type can be very valuable to card holders in the right situations. Just remember that the only truly interest-free credit card is the one you pay off each month. Don’t carry a balance, and you will enjoy the benefits of 0% interest all the time.
You can find 0% interest credit cards. However, the length of the 0% interest period varies from card to card. If you have been hunting for a card that never charges interest, you are, sadly, out of luck. Credit card companies make money from the interest you pay them. But some credit cards do offer an interest-free first year, or even longer. This is great for card holders who anticipate carrying a balance, but who will be able to pay it off before the introductory period runs out.
At the time of this writing, several companies offer 0% interest cards. The Citi Platinum 12 month BT MasterCard, as its name suggests, offers 0% interest for 12 months at an average APR of 16.9%. The Discover Platinum also offers 0% interest for 12 months, with an average APR of 10.99%.
Other cards have lower rates and longer interest-free periods. These include the Advanta Platinum Rewards MasterCard, with 0% interest for 16 months and an average APR of 7.99%; and the American Express Blue Credit Card, with 0% interest for 15 months and an 11.74% APR.
These are just a few of the 0% interest cards out there. It definitely pays to shop around and find the one that best suits your needs. Look for balance-transfer cards that offer rewards, too, if the terms are agreeable.
If you are thinking of getting a 0% interest card in order to transfer other another card’s balance onto it, do your homework first. You could get hit with a balance transfer fee, typically 2% of the amount you wish to transfer. Also, these cards might carry interest charges for purchases made. Look for credit cards that offer 0% interest for the life of the transfer, but also beware of ‘minimum monthly spend’ requirements. If you fail to meet those requirements, the interest charges will start rolling in.
Yes, there are 0% interest credit cards out there – if, by zero interest, you mean a no-interest introductory period, or zero interest on the life of a balance transfer. Either type can be very valuable to card holders in the right situations. Just remember that the only truly interest-free credit card is the one you pay off each month. Don’t carry a balance, and you will enjoy the benefits of 0% interest all the time.
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