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reliable information on credit cards - online investing - personal loans - owning and operating your own home business. indepth information from professionals in their field. dont forget to check out our links to the best sources on the internet, these days information and research is critical to making the best educated decision to suit your needs.

Sunday, May 21, 2006

Investing Online - What You Need To Know First

Are you looking to start investing online? Without the right knowledge and information online investing can be an intimidating experience. However, if you do your research before starting and see what different online brokers offer, you can turn it into a very profitable and rewarding experience. There are several very important tips you need to know before starting to invest online.

The first features you need to look for before you start investing online is trading commissions. Trading expenses can be all over the map when it comes to online brokers. Costs can run anywhere from $4 all the way to $40 and more. If you plan on investing small amounts of money into stocks then you need to make sure your online broker has low trade expenses (under $15) or these costs will eat up all your account balance and any profits.

When choosing where to start investing online you should also be aware of account fees and account minimums. In order to protect any profits that you make you need to make certain that your account has low account maintenance fees, preferably an account with no account maintenance fees. Many online investing companies will charge you anywhere from $15 up to $80 a year just to have an IRA retirement account. However, there are sites that offer free IRA retirement accounts and these are the ones you should go to when opening an online investing account.

Numerous online investment companies also have a set minimum account balances. If you account falls below that minimum balance required, you will get charged a fee. Over time these fees can take your balance down to $0! It is crucial to make certain that the online brokerage company you choose has no minimum account balances.

Quite a few of the larger brokerage companies will charge higher fees because they offer sophisticated investment research tools. These can be great to have, however, most of these tools you will never use. The tools you will need and use can be found at different sites online at no cost. It really is not necessary to pay for the sophisticated research tools, so be sure you are not paying higher fees to have them.

If you do your research prior to opening an investment account online it will make investing much easier and more profitable. There are many advantages to investing online, such as; lower costs, being able to place trades on your own, saving time, and most importantly it will be easier to build your wealth. Just be sure to shop around before you make your decision.

-->by: Kurt Chrisler

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How to get the best Credit Card Deals!

So you took advantage of one of those credit repair credit cards with higher interest rates to help you repair your credit?

Or perhaps you missed a payment or two a while back and are now saddled with a fairly large balance on a high interest credit card. Maybe it was your first credit card, and you're still paying the interest rate offered to those with no status credit. No matter what the reason, you've got a credit card balance on which you're paying interest rates higher than average, and you'd like to cut those monthly payments. Welcome to the world of balance transfer credit cards.

Balance transfer credit cards are credit cards that offer a special interest rate on accounts transferred from another credit card. Essentially, when you take advantage of balance transfer credit cards, you're borrowing money on your new credit card to pay off the balance on your old (higher interest) credit card, then repaying the new credit card company at a lower rate of interest. 0% balance transfer rates have been a popular incentive for credit card companies to attract business for the past several years.

Lately, though, many credit card companies have found that offering 0% balance transfers is a losing proposition for them as customers play credit card shuffle, moving their account balances from one card to another whenever the 0% interest rate ends. In order to combat that practice, credit card companies are getting more creative with their balance transfer credit cards. That's why it's important to compare balance transfer credit cards to be sure you're getting the best possible deal - or at least one that actually will save you money in the long run.

Here are some things to watch for when comparing balance transfer credit cards:

How long does the introductory balance transfer rate last?

The 0% balance transfer interest rate is usually an introductory rate. As long as you pay off the entire balance within the introductory period - usually six to nine months - you pay no interest at all on the amount that you've transferred.

How much is the balance transfer fee?

Often, there's a charge for transferring your balance from one card to another. Be sure to include that fee in your costs when you compare balance transfer credit cards.

What is the interest rate AFTER the introductory period ends?

The introductory rate will end eventually. How much will you be paying in interest after it ends? Will that apply to the entire balance, or just the amount left on your transferred balance?

Are there other restrictions?

The newer balance transfer credit cards offer other incentives than 0% interest rates on your transferred balance, or may include restrictions to how long the balance must remain on the card. Many of the new balance transfer credit cards offer an interest free second year, or a one-month free payment rather than a 0% transfer fee as a way to get around the credit card balance shufflers. When you compare balance transfer credit cards, be sure to make a note of any restrictions on the balance transfer offers.

So you can see it's important to compare balance transfer credit cards to check the best deal. At you'll find all the latest no interest balance transfer credit cards, along with details so that you can compare balance transfer credit cards to be sure you're getting a deal that will save you money.

-->by: Jon Francis

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