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HOLIDAY SHOPPING — SHOP TILL YOU DROP — WATCH THOSE OVER LIMIT CREDIT CARD FEES

Credit – Over the Limit

Credit cards are wonderful tools, but they come with serious responsibilities.

You should be using a credit card to your advantage – whether that means getting an interest-free loan every month by paying your balance off in full, or just the simple security and satisfaction that having extra buying power at your fingertips can bring.

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Imagine you had a credit card was a $500 limit, and in the run-up to Christmas, you nearly maxed out your card.

Before taking that last shopping trip of the season, you went online to check your balance and saw that you had $19 of available credit. “No matter,” you say to yourself, “I’ll pay the balance in full when I get my Christmas bonus from the office.”

The only other charge you made was for a couple of mochachinos at the local coffee house, but two days later you were shocked to learn that you somehow went over your credit limit! Worse yet, your card company hit you with a $29 fee! The Mochachino That Broke the Camel’s Back

This can happen a lot easier than you might expect. In the above example, you may have recently “paid at the pump.” Oftentimes a gas station charges your card only $1 at the point-of-purchase and applies the remainder of the charge to your card later that day (or the next day).

Let’s say you had $17 in gas that you forgot about. That would reduce your available credit to $3 ($19 – $17 + $1 for the refunding of the temporary charge).

Then when you bought two $2.50 drinks, you pushed your balance to $502, exceeding your credit limit by $2, and receiving a whopping $29 fine. It happens all the time.

The real question should be, “Why do credit card companies let this happen?” After all, couldn’t they just reject your card at the coffeehouse?

The gas station reserves the funds on your card even before it charges them, so shouldn’t you not be able to buy the coffee and go over your credit limit? It depends.

Some people would find this embarrassing fate more horrible than the $29 over-limit fee, particularly if the second coffee was for a romantic interest or client. But the reality is that credit card companies exist in the world to make money.

There’s nothing wrong with that, but you need to be aware of the fees and expenses associated with your card and do your best to avoid them. Tips for Avoiding Over-Limit Fees

1. Use a separate card for your gas purchases. Since “pay at the pump” can distort your true balance, it is wise to use one card exclusively for gas.

This can be an actual gas card or just a regular card card that you designate as your own gas card. It might be okay to have some recurring charges (cable bill, subscription charges, etc.) also on the card, but don’t use it to make “discretionary” purchases.

If you have $200 of recurring charges on your card and you typically spend $80 a month on gas, this means you’ll only need a card with a $300 limit.

Then again, $500 would be better for a little cushion in case you spend more on gas – either because you take a trip or because gas prices to through the roof!

2. Check your balance on a daily basis. If you maximize the benefits of your credit cards by nearly maxing them out each month and then paying off the balance in full, then you need to spend a little more time making sure managing your cards.

Check your balance online every day and look at the itemized charges. Sometimes charges don’t show up right away, so be on the lookout for anything that’s missing. And if you do use your card for gas, make sure you keep your gas receipts so you know how much you really spent when your statement still says “$1.”

The Real Cost of Exceeding Your Limit

No one likes paying $29 extra for a couple of coffees, but the even greater cost of going over your credit limit is the damage it does to your credit.

Many card companies begin charging you the maximum interest after just one overage – and not the card you went over on. An entirely unrelated company might also jack up your interest rate, even though you’ve always paid your bills on time with them, so do everything you can to avoid going over.

Credit cards are wonderful tools, but they come with serious responsibilities. You should be using a credit card to your advantage – whether that means getting an interest-free loan every month by paying your balance off in full, or just the simple security and satisfaction that having extra buying power at your fingertips can bring.

But when you start paying $29 fees and higher interest, you are letting the powerful tool wield itself against you. Be a smart consumer, but also check the over-limit fees and practices of cards before you sign up for them.

No one intends on exceeding their credit limit, but it does happen to most people, so be aware!

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GENERATION XYZ — DAILY ACTIONS TO REACH YOUR OBJECTIVES — PHYSICALLY FIT, WELL RESTED, MENTALLY FOCUS

SETTING OBJECTIVES AND DAILY ACTIONS PLANNING TO REACH YOUR OBJECTIVES

Planning is the base of execution and it is practically hard to accomplish anything without it. Serendipity does exist but it doesn’t happen to everyone!

You need plan for everything that you do in your life, even for a normal day that you spend. You setup alarm to wake up in the morning so that you can hit gym at this time and reach office by this time and so on and so forth!

Therefore, it is of prime importance to develop a plan to reach your objectives.

We all are living on this planet with some objective. The trick of achieving objectives is to focus and put in steps in place to achieve them.CLICK NOW — CHECK OUT THIS COMPANY, THEIR PRODUCTS, AND MOST OF ALL THE INCOME OPPORTUNITY

This can only happen once you identify what is important and worth your time and effort!
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Objectives set the pulse of your life. You live to achieve them! They vary from person to person and can be short or long term.

It can be starting your own business, building wealth, becoming rich or could be short term like losing weight, attaining promotion in your existing role etc.

If you don’t know how to set goals then you should follow SMART technique which stands for Specific, Measurable, Actionable, Achievable, Result Oriented and Time bound. Your objectives should be SMART for you to head towards them.START TODAY TO LIVE WITH MORE NOT LESS – BUILD WEALTH NOT DEBT

If your goals don’t excite you to achieve them then they are not set correctly. Your objective will excite only if you are looking forward to the results.

Modify your daily actions to include activities that will lead to your objective
You gradually head towards your goals.

You never achieve them overnight. Hence it is necessary to devise the daily action to reach your objectives. For instance, if your objective is to lose 10 kgs in two months then you must start with your diet plan and exercising schedule.

Daily routine will help you achieve them. Create the roadmap and then start following it. A cheat day means extension and delays to your objectives, so do those misses, only if you have an appetite to delay!

Strategic and not tactical solutionsPOSTIVE THINKING — REACH YOUR FULL POTENTIAL — REAP ALL THE BENEFITS THAT GOES WITH WINNING

It is ok to resort to tactical fixes in the short run especially when you have a strict deadline. But in long run, tactical solutions never bear fruits.

You end up spending extra time and efforts for the results which are below benchmark. You should constantly work towards increasing the odds of success which can only happen if you work towards it and get additional skill training wherever required.WORK FROM HOME, WORK FROM ANYWHERE, HOMEBASED BUSINESS — ADDITIONAL INCOME IS ONE OF THE KEYS TO A SUCCESFUL HAPPY LIFE — NAY SAYERS LIVE WITH LESS NOT MORE — I CAN – I WILL HAVE IT ALL CLICK NOW

This holds true in all objectives, it could be concerning your life, the project that you are working on or anything which involves planning.

Continue reading “GENERATION XYZ — DAILY ACTIONS TO REACH YOUR OBJECTIVES — PHYSICALLY FIT, WELL RESTED, MENTALLY FOCUS”

MERRY CHRISTMAS TO EVERYONE. I WOULD LIKE TO THANK THE OVER 500,000 VISITORS TO IMGENERATION BLOG IN THE PAST TWELVE MONTHS. I HAVE ENJOYED, LEARNED, AND MOST OF ALL THE COMMENTS FROM EACH OF YOU. THANKS TO SO MANY WHOM CLICKED ON OUR ADS, SUPPORTING THIS BLOG. WELL, HAPPY NEW YEAR — LOVE YOU ALL

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GENERATION MILLINNEALS — WHAT IS NECESSARY WHEN YOU WORK LONG STRESSFUL HOURS — FOOD FOR THE MIND AND BODY


Food for the mind: what is necessary for those who work a lot

Often, with heavy workload at work, it is difficult to make room for lunch. This is fundamentally wrong, you need to pay due attention to food, because it helps the brain, but not all.

What you need to know and eat when you are busy?

To get started, get a diary. Write the time of your rise, breakfast, lunch, dinner in it. 21 days is enough for a man to become a habit.NATURAL SUPPLEMENTS WITH OVER 50 YEARS AVAILABLE TO THE PUBLIC

Take food laid three times, do not forget about it. Get into the habit of having breakfast. After 3-3.5 hours, have a bite, then have lunch and do not forget about dinner.

If a working meeting is scheduled for lunch, invite your partner to have lunch with you.

For the brain, glucose is good , especially in the morning. It will immediately give the desired result, for example, before a speech or a meeting, eat a piece of dark chocolate, or a bar of muesli.SET YOUR GOALS — RETIRE TO DO WHATEVER YOU CHOOSE — EVERYDAY IS ONE STEP CLOSER, SO START NOW — CLICK NOW

Do not abuse the advice often, fast carbohydrates have a bad effect on the pancreas. If work is long, eat nuts, cereal. Cottage cheese, chicken fillet, low-fat fish varieties will increase mental activity.

The diet should include foods containing zinc, calcium, magnesium, iron, vitamins B, C. The latter are good for concentration, and are present in the hips, Brussels sprouts, apples.

Vitamin B is present in buckwheat, walnuts, rye bread. To assimilate them, begin to use half-saturated fatty acids.

Pure water, dried fruits that have anti-stress effect are perfect as a snack.

The researchers found that 2 cups of coffee a day would be enough for an adult. An exception for those who have high blood pressure.

An excellent product for the brain will be dried apricots, eat a few pieces. It is rich in vitamins C, iron, the latter is responsible for the left hemisphere of the brain, stimulates analytical activity. Vitamin C helps the gland to digest.GOO HEALTH — HEALTHY LIVING — SHAPE UP/ENJOY LIFE

To avoid Alzheimer’s disease, lean on red cabbage containing antioxidants. For the brain is good salad from cabbage, carrots, green onion feathers with the addition of olive oil.

When using beets in the body will get a substance-betanin, promoting good mood, quick response and concentration.

eople who constantly include in their diet salad from this vegetable with lemon juice and olive oil at times improve the susceptibility of information.FINANCIAL FREEDOM — FINANCIAL INDEPENDENCE

Refuse from fatty meat, it causes atherosclerosis of brain vessels, forget about very salty foods, and food that can be stored for a long time. These products adversely affect brain function.