Financing Strategies ...!!
Here is a collection of finance articles that covers a wide variety of topics for your different needs. Begin with the articles about developing a budget on a debt management plan and the appropriate ways to manage debts.

Boutique Specializing Gifts for Women

9:09 PM

posylane

Welcome to Posy Lane - our boutique specializing in unique and personalized gifts for women, children and much more! Order the items you can not find anywhere else in 32 embroidery fonts and thread colors for 39 of our large selection of items embroider-able, we are always looking to better serve you.

For our embroidered items, we offer the same quality of embroidery we offer stand-alone for our local community - Most can be customized to complete and thick sewing attract your attention!

Kids nap mats
Perfect for infants and toddlers, Mint nap mats are padded and lined with nylon and cotton with a ribbon trimmed, soft, woolly blanket. It rolls and has a Velcro closure strap to carry. It has a fleece cover and a soft foam attached removable pillow. To clean, simply remove the pillow and children, and mix the rest in the washing machine. Ideal for daycare, nursery school or preschool.

Stephen joseph quilted backpack
These adorable Stephen Joseph are great quilted backpacks for toddlers! Made from 100% cotton, they are machine washable and durable. The front legs have a double cord magnetic snap closures. It has a strap and carry over your shoulder. Straps are adjustable using buttons and button holes.

Stephen joseph backpack
Your children will love these cute Stephen Joseph back! Made of vinyl, the backpack is very easy to take care of, just clean with a damp cloth. There is much room for the entire staff of your child for school. The backpack straps are adjustable and the backpack has a small inside pocket. The backpack is adorable just the way it is cute, but even with your child's name embroidered on it.

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What is the return on investment

7:46 PM
What is the return on investment? Many decisions made every day to take into account the return on investment. Most good managers or business owners will not make a decision unless there is a kind of return on investment of the company involved in making that decision. The c

What is the return on investment?

Many decisions made every day to take into account the return on investment. Most good managers or business owners will not make a decision unless there is a kind of return on investment of the company involved in making that decision. The concept of ROI dictates the decisions of sale, and may also impose other important decisions such as personnel decisions and business plans. To be able to function efficiently and effectively any type of business, you must have a complete control of the idea of creating a return on investment for your business or you will not be in business for very long. While the world is the return on investment?

In business ROI is king and the return on investment is return on investment. To justify the purchase of a piece of equipment, a company must first show that there is a return on investment for the purchase of this equipment. Very few managers or business owners will approve a purchase made without sufficient return on investment for the purchase shown. It May sound easy enough to understand the ROI, but there are many who will determine the ROI and in many cases, the return on investment using to justify a purchase can be an enormous risk of being taken by this endeavor.

One way to determine return on investment that is used by many companies to determine whether or not to purchase a large quantity of equipment is a thing called life cycle ROI. All products purchased by anyone who has a life cycle and the value of this life cycle is not always determined solely by the cost of the product itself. There are many examples to illustrate this point, but probably the best example is the use of life cycle, the return on investment of buying a single computer to a business.

Determine the real return on investment varies from company to company, but the process most companies generally use the same. When a company decides to May, it will be time to buy a new computer, it must first determine if the cost of the computer, it is interesting to them. If a computer cost $ 1000.00, then it must be at least $ 1,000.00 value of production being lost with the current computer. Recovery May that production losses to avoid paying the computer immediately, but as long as we can show that it can be repaid within a reasonable time, then the purchase can be justified. In most cases, the purchase of the computer use the term of the guarantee that the time they need to recover their costs. Once the guarantee is in place, the computer becomes a potential source of revenue loss because the setting, it costs money. But the loss of production is used to determine that the purchase of a computer must be made, and determines the return on initial investment on the computer.

When a company buys a piece of equipment, they are not all the newspapers that the cost in both their accounts. The value of the equipment is spread over time and the value of the equipment is amortized over time. That is why a computer can show $ 1000.00 ROI over time. The cost of the computer are not absorbed by both the company's accounting records. Once the computer has been taken into account in the records, it is no longer a tax advantage for the company. The depreciation for the company in buying the computer will also include the return on investment of the computer. Once the computer is out of warranty, and is no longer a tax advantage, the return on investment of the computer is determined by its ability to perform without the costs associated with repair and sufficient capacity to enable production by the person using it. If the computer becomes too expensive to maintain because of repair costs or the lack of production, he made his return on investment and is usually discarded. Even the storage of old computers is a negative return on investment because the area produces no income, it is used to store the old machines that do not help the company to profitability for all. This is the reason why companies prefer to discard old equipment rather than cling to it.

This is a simple explanation of return on investment, and he hoped, give an understanding of how a company assigns a value to the purchase they make. Just remember that the company will not make a purchase unless there is a kind of return on investment associated with this purchase. When return on investment starts to become negative to society, they prefer to throw the equipment to continue to allow a negative return on investment on their books.

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Marketing Strategy - Potential for Business

7:37 PM
In 1960, Vice President of marketing services at GE authorized a large-scale project (called PROM, optimization model for profitability) to examine the benefits of the impact of marketing strategies. Several years of effort to produce a computer-based model that identified the main factors responsible for a large part of the change in return on investment. Because the data used to support the model from various markets and industries, the PROM model is often considered a crosssectional model. Even today, the cross-section models are often used in GE. In 1972, the program PROM, now known as PIMS, was moved to the Marketing Science Institute, a nonprofit organization associated with Harvard Business School. The scope of the PIMS program has increased so much and its popularity has gained the momentum that a few years ago, the administration proposes to the Institute of Strategic Planning, a new agency created to PIMS. The PIMS program is based on the experience of more than 500 companies in nearly 3800 "businesses" for periods ranging from two to twelve years. "Business" is synonymous with "UDF" and is defined as an operational unit that sells a range of products to an identifiable group of customers, in competition with a well defined set of competitors. Essentially, PIMS is a cross-sectional study of strategy on the experience of associations. The information gathered from the participating companies is provided at the PIMS program in a standardized format in the form of nearly 200 pieces of data. The PIMS database covers large and small firms, markets in North America, Europe and elsewhere, and a wide variety of products and services, ranging from candy for the heavy capital equipment to financial services. The information covers such things as

• A description of market conditions in which the enterprise operates, including elements such as the distribution channels used by the UDF, the number and size of its customers and the market growth rate and the inflation.

• The business unit's competitive position in its market, including market share, relative quality, prices and costs related to competition, and the degree of vertical integration compared to the competition.


• the annual measurements of the UDF and operating financial performance over periods ranging from two to twelve years.

Overall Results The PIMS project has indicated that the profitability of a company is affected by 37 basic factors, explaining over 80 percent of variation in profitability among the companies studied. Of the 37 basic factors, seven were of paramount importance. Based on the analysis of available information in the database of PIMS, Buzzell and Gale suggested the following strategy principles, or links between strategy and performance:

1. In the long term, the most important factor affecting a business unit of performance is the quality of its products and services over those of competitors. A quality edge boosts performance in two ways. In the short term, high-quality increases profits via premium prices. In the longer term, superior or improving the quality of parent is most effective for a company to develop, leading to both market expansion and gains in market share.

2. Market share and profitability are closely related. Business units with a very large share of more than 50 percent of their served markets benefit from the rate of return of more than three times larger than the small SBus (those serving less than 10 per cent of their markets) . The main reason for the market share, profitability link, apart from the connection with relative quality, is that large businesses from the economies of scale. They simply have lower per unit costs than their smaller competitors.

3. Intensive investment acts as a powerful brake on profitability. Investmentintensive companies are those that employ a lot of capital per dollar of sales, by dollar value, or employee.

4. Many so-called "dog" and "question mark" generate cash businesses, while many "cash cows" are dry. The principle of growth share matrix for planning (see Article 10) is that cash flows are largely dependent on market growth and competitive position (your hand compared to your biggest competitor). However, the PIMS research shows that while market growth and the relative is related to cash flow, many other factors also influence this dimension of performance. Accordingly, the estimated cash flows based only on the growth share matrix are often misleading.

5. Vertical integration is a profitable strategy for some types of businesses, but not for others. Whether increased vertical integration helps or night depends on the situation, regardless of the cost of its implementation.

6. Most of the strategic factors that boost ROI also contribute to the long-term value. These principles derive from the premise that performance is based on three main types of factors: market characteristics (ie, market differentiation, the growth rate of, the conditions of entry, unionization, capital intensity and amount of purchase), the company's competitive position in that market (ie, relative perceived quality, relative market share, compared with l 'capital intensity, and relative costs), and the strategy it follows (ie, prices, expenditure on research and development, the introduction of new products, changes in relative quality, the variety of products / services, marketing, distribution channels and the relative vertical integration). Performance refers to measures such as profitability (ROS, ROI, etc.), growth, cash flow, by value and share price.

Management Applications The PIMS approach is to collect data on the actual number of business experience as possible and search for relationships that appear most significant effect on performance. AModele of these relations is then developed so that the estimate of a return on investment can be made of the structure and strategy of the factors associated with the company. Obviously, the PIMS framework should be amended from time to time. For example, the repositioning of structural May impossible and cost prohibitive to do so. In addition, the actual performance in May to reflect an element of chance or an unusual circumstance. In addition, the results May be influenced by the effects of transition from a conscious change of strategic direction. Despite these reservations, the PIMS framework can be beneficial in the following manner:

1. It provides a realistic and consistent method for establishing levels of yield potential for business.

2. It prompts reflection on the management reasons for differences in performance.

3. It gives an overview of strategic decisions that will improve the return on investment.

4. It encourages an appreciation of more discerning unit performance. Since the mid-1970s, the PIMS database has been used by managers and planning specialists in several ways. Applications include the development of business plans, evaluation of estimates by management, and evaluation of possible strategies. The data suggest that

• For fans, the current profitability is affected by a high level of product innovation, measured by the ratio of sales of new products to total sales or spending on research and development. The penalty to pay for innovation is particularly heavy for firms ranked fourth or less in their served markets. The market leader in profitability, on the other hand, are not affected by new products or the research and development.

• High rates of lower marketing expenditure return on investment for the followers and not leaders.

• Low-ranking market followers benefit from high inflation. For companies ranked first, second and third, inflation has no connection with the return on investment.

The measure of the value of marketing strategies in recent years, a new criterion to measure the value of marketing strategies has been suggested. This new approach, called value-based planning, marketing strategies by the judges of their ability to improve shareholder value. It focuses on the impact of a strategic decision on the value investors place on the shares of a company asset. The main feature of the planning based on the value that managers should be evaluated on their ability to make strategic investments that produce returns above their cost of capital. Value-based planning ideas attracts contemporary financial theory. For example, an enterprise of the principal obligation is to maximize the return on capital appreciation. Similarly, the market value of an action depends on investor expectations of the capacity of each unit's business to generate cash. The value is created when the financial benefits of a strategic activity that exceed the costs. To account for differences in the timing and risks of costs and benefits, the value of planning based on estimates of the total value by discounting all cash flows. Accompanying this has been using the value of the approach based on a certain time is based on the Connecticut Dexter Corporation. Its value-based planning uses four sub-:

Dexter • The financial system of decision support (DSS), which provides strategic business segments (SBS) with financial data. DSS offers a month's profit and loss account and balance sheet for each segment of activity. All divisions expenditure, assets and liabilities are assigned to SBSs.

• A system based on micro-computer, which processes the data for use in the two subsystems of the system of financial reporting and the value of the system planner. Financial data generated by the DSS should be transformed to meet the input specifications of these two subsystems.

• The financial reporting system of enterprises is estimated that the cost of capital of the SBS. To estimate the cost of capital, Dexter uses two models. The first is the obligation rating model simulation. This model is used to estimate the appropriate capital structure to each of its SBSs, given his six years of financial history. Each SBS is assigned the highest debt to total capital ratio that would allow him to receive a quote A. The second model, which is used to calculate the cost of capital, is the model for estimating risk. This model allows the cost of equity to be estimated for the segments that are not publicly traded.

• The value of the system planner estimates a company's future cash flows. The basic principle of the planning system is that decisions should be based on a rigorous examination of expected future cash flows. Dexter uses the last 12 quarters of these statistics to produce a first cut projection of future cash flows. As information on a new quarter becomes available, the oldest neighborhood in the model is deleted. These historical trends are used for projecting financial ratios in the future. The following assumptions were made to calculate future cash flows: Sales growth based on the hope that each SBS maintain market share. Based on net plant growth rate in unit volume considered necessary to maintain the market share of Dexter.

Unallocated costs projected for each division SBS using the same percentage of sales for the division as a whole. The appropriate time horizon for cash flow projections based on the number of years that companies can invest at a rate of return. These assumptions are controversial because they do not allow cash flow projections to be tailored to each SBS. Dexter terms of managing its history provides a naive projection and uses it to challenge its managers to explain why the future will be different from the recent past. The next stage of value-based planning process is to calculate the value of estimated future cash flows and delivered by the cost of capital for SBS. If the estimated value of a SBS is higher than the value of his article, SBS contributes positively to the wealth of shareholders Dexter, which means it makes sense to reinvest in it. The main strengths of Dexter's SBS value planner system have been stated as follows:

• The emphasis on the line to be intelligible to managers aValues-based planning model that can indicate SBSs are not creating value for shareholders. However, it is the manager of SBS, which must take action to correct the problems that the analysis reveals.

• Its degree of accuracy the real dilemma in the design of planning models based on values is to make them easy to use, while improving the precision with which they reflect or predict the market value of the company.

• Integration with existing systems and databases by developing a system that works with existing systems, costs are reduced and upgrades are easier to implement. Also, it is easier to gain acceptance frames valuebased if the planning system is presented as an extension of decision support that they currently use. In the seven years since Dexter has used the method based on value, he made important contributions to decision making. Using this approach, managers Dexter made the following decisions:

• Do not invest in a SBS with prospects for growth to its evaluation, based on the performance increases considerably.

• To reduce the size of the harvest and a SBS with a negative value.

• To sell SBS with a negative value to its employees for the item of value.

• To sell an SBS with a value higher than the item of value, but for which a tender was received which was significantly greater than any that could be reasonably modeled in the hands of Dexter. The interesting feature of these decisions is that they can work a little against the requirements that flow from a portfolio-planning approach. The first decision, for example, refers to a star business, probably worthy of further investment. Unlike the planning portfolio, where growth is desirable in itself, under planning based on value, growth is healthy only if the company is creating value. Dexter uses the value-based planning as a guide for decision making, not as an absolute rule. The approach is generally understood and accepted, but many managers question its relevance. They now know that their divisions to create value for the company, but they do not understand how they can use this information to create or modify important business decisions. Top management understands the value of planning needs more time before it is fully accepted.

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Optimzing Google Adsense

6:35 PM
Web publishers are discovering that Google Adsense is a great way to generate revenue from their content rich sites. Google Adsense provides a simple sign up process and a simple system that generates cut-and-paste code that will display ads on the site that are matched to the site’s content. With 15 minutes of effort and a brief wait for approval, a webmaster will be set to receive about half of his potential revenue stream from Adsense. The other half of the revenue takes a little thinking and work.

AD LAYOUT The shape of the ad will have a great affect on clickthrough rate. If you choose to use a format that is very familiar and easily ignored, like a traditional banner ad shape (468 by 60 pixels), your performance will be poor. If you choose a newer format like a tower (120 wide by 600 tall) you will see better performance. financing-strategies.blogspot.com utilizes this format. You will also see higher clickthrough rates as the overall size of the ad grows. If your site allows it, go with the biggest and newest shapes that Adsense offers.

COLOR The color of your Adsense ads can affect the way users respond. You can be subtle and blend into the rest of the page and may draw people to links as they appear to offer more information rather than standing out screaming come buy something. The subtle approach can be accomplished by selecting the standard Google Adsense color scheme closest to your site’s scheme or you can match exactly using the custom pallet.

You may want to attract attention to your Adsense ads. You can do this by selecting or creating color schemes that stand out. You will also want to use the mulitple color scheme feature by selecting several color schemes by holding down your control (Ctrl) key and clicking up to four choices. The varying color schemes may get more notice than a constant color scheme.

POSITION The position of your Google Adsense ad can have affect on how well the ad performs. Avoid blindspots and consider how a visitor exits a page. The most likely blindspot to avoid is the traditional spot for banner ads. Visitors will likely ignore a banner shaped ad at the top or bottom of your page. They will likely ignore a tower placed at the top of the right or left column if the content extends beyond the length of the ad. In the case of content rich pages, it would be wise to test placing non-banner shaped ads at the end of the page where the reader is done with a page and ready to exit. www.jakartaweb.net uses this technique effectively at the end of articles, offering the reader more articles and relavent ads. It’s always a good idea to give your visitors a path through your site that is relavent and valuable to both you and them.

CHANNELS Google recently added channels to Adsense. A channel is just an extra bit of code that lets you track revenue from a channel such as a site, a page, or some other characteristic you may want to track.

Prior to the introduction of channels, a webmaster would place Adsense code on various sites and pages and would only see an aggregate result of clickthrough and revenues. With channels, you can set a channel for various sites or various pages or various ad types. By your using your channels you can determine what ads are working in which location. On rekosrowako.blogspot.com an Adsense banner ad performed very well in some pages and a large Amazon ad performed poorly so a large Adsense replaced the Amazon ad.

USE THE SCIENTIFIC METHOD The Scientific Method can be summarized as Plan, Do, Check, Act. By planning out your attack by designing and implementing your ads, you accomplish the Plan Do portion of the cycle. By using Adsense Channels, you can check to see how your plan worked. You will no doubt see ways to Act or adjust your approach after checking your results. You may end up modifying your site or modifying your strategies on attracting traffic. No matter what the case, you will need to do a little work but the results are worth it.
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Money Management For Recession Effects

11:31 PM

Most of us, in one way or the other, are trying to tackle the recession effects that have affected our personal spending and saving. Parents are struggling to pay university fees and young graduates are struggling to get jobs. Economic slowdown can be a good time to understand money management ideas which can help overcome everyday crisis and also save for the rainy day.

The best way to make sure how much is left for our own use is to ‘pay the bills on time’. If there’s been a considerable saving that can be made into an investment do it right away. Small amounts saved can be used for expenses like renting a house or getting a much-needed appliance for home.

Another way to overcome sudden expenses is to make your monthly shopping a fixed attribute. Revaluate your home expenses to understand where exactly the money is moving out. High mobile bills and electricity bills can definitely be reduced by making personal lifestyle changes. Use free budget software or online money management tools to track every aspect of your spending and keep tab on the money that is remaining at the end of every month.

Credit card expenses need special mention as they are easy to use. Make sure you don’t possess more than one, unless absolutely necessary, and make it double sure that you pay the bills on time. Utilize the credit period provided for purchase so that there’s enough time to pay back.

Make amendments as a family to understand how each of you can contribute towards managing the current financial situation. If there are more than two earning persons in the household, make all expenses from one account and save the other one completely. Teach your family the art of saving and look for alternate part-time employment, whose income can go as a small savings for the family.

When financial planning is done meticulously there will be no need to panic during sudden job losses. It helps you sustain till the next job is found and that itself is a great life saver for many.

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Secured Credit Cards For Students

11:25 PM

Many times parents want their child to have a credit card when they go off to college but they are not sure what the best type to select is. The "Secured Credit Card" is one of the best cards that you can get for your student when they are going off to college because you have better control over the amount of money that can be spent. You cannot increase the spending amount unless you deposit more money into the students account.

A secured credit card requires that you open up a savings account with the lender who in turn holds that account as a security deposit against the credit card. Most secured credit card accounts are normally around $300 to $500. You can of course make the amount as high as $5,000 this depends on how much you plan on putting into the students account for expenditures. The card is secured because of this deposit but it is still credit and must be paid according to the agreement.

This is a great way for the student to build their credit score so that they can apply for an unsecured credit later without worrying about a co-signer. It is best when you do have a credit card to make sure that you make your payments without being late. It is most beneficial for any student with a secured credit card to pay off the amount they use each month before the bill comes due. This enhances their credit record giving them a higher credit score.

When you're looking at all the types of student cards on the market, there are a few things that you have to keep in mind when applying for one. A regular card and a secured card are completely different when you compare the two and let me explain why they are different.

When you apply for a secured card, you're going to find out that the bank is going to ask for a deposit since you're at a higher risk. They are going to use this as collateral and if you don't pay your bills off each and every month, they can dip into your account and take the money that they need. This of course is going to affect your credit rating. This is why it's important to pay your card off in full each and every month.

If you do decide that you want to apply for a student card that's secured, always look at the fees as well as if it reports to the bureaus. If it doesn't report to the major credit bureaus, you may find out that it's going to be useless because the credit reporting agencies will never even know you have the card. This is why it's essential when it comes down to doing your homework. If you don't do your homework, you may find that you're using a card that you don't want. Look at the regular cards and the secured cards and see what will work out for you in the future.
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Financing Strategies ... !

10:05 AM
Here is a collection of finance articles that covers a wide variety of topics for your different needs. Begin with the articles about developing a budget on a debt management plan and the appropriate ways to manage debts.

Venture into business banking services or start a new one on reloadable credit cards. Improve your financial standing by availing one hour pay day loan if you have bad credit personal loan.

These are only examples of finance articles that are widely read but look at the sub categories for your other questions and you will see that we got them all here.
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7 money habits for you

7:46 PM
According to a research on the economic security of American's middle-class families, 76% percent of the families do not have enough net assets to meet 3/4 of basic expenses for 3 months. Although the data was as of 2006, the report revealed a trend of the situation getting worse over the years.

These days, the newspaper is flooded with news on economic downturn, job loss, bankruptcy... Are you ready for the future? Rate yourself with the household financial security scorecard. Here are some money habits to get you off the shaky ground.

1. Start saving automatically.
Start from 10% of your after-tax income. Setup an investment account with some of the low-cost and low-risk index funds. Schedule a monthly or bi-monthly deduction from your checking account to feed it. You'll be surprised how much you can save in a year.

2. Set a realistic budget and stick to it.
Find out how much you've been spending every month. Set a budget that's both feasible and comfortable, but a little lower than your average spending. If you spend more than necessary, deduct the excess from the budget of the next month. If you end up saving some, keep it aside as a rewards to pamper yourself. And enjoy it without guilt.

3. Always go shopping with a list (and your reusable shopping bag).
If an item is on your list, look for a bargain first. But don’t buy anything ONLY because it’s cheap. It's not your responsibility to cram your personal space with useless stuff in order to help the manufactures clear their inventory. Ask yourself if you'll buy it if it's not on sale. If the answer is no, walk away.

4. Examine your cash flow monthly.
Pay off your credit card balance every month. Figure out your bank fees and eliminate them by choosing a different plan or different bank. Look at the charges on cable, cell phone, internet, membership, are you paying more than you should?

5. Detail your net worth on paper and keep updating it every quarter.
Calculate your assets and liabilities. Follow up on your investments and make adjustments if necessary. Have a plan to increase your asset, not your possessions. There are plenty of books teaching you how to do that, which is why you should...

6. Educate yourself about finance
every week.
I borrow books from the library to make sure I read them. You can also talk to a financial adviser, but don't buy anything yet. Talk to your friends and do you own research. Make sure you understand what you are getting into. At the end of the day. The broker gets his cut regardless if your investment is paying off.

7. Work on generating more income everyday
Once you are in control of your finance, it's time to start making more money. It's the best way to improve your financial situation. If you are an employee, a side business can provide you more income and numerous tax deduction benefits. If you are not, find out better ways to turn what you are doing into a self-running business.

Money comes to those who know how to take care of them. Take care of your money and it will take care of you.
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consolidate credit card debt

7:42 PM
We know that it's good to consolidate credit card debt (at least that is what we keep hearing from everyone). In fact, the first step towards addressing the problem of credit card debt is to consolidate credit card debt. Now, what do you do to consolidate credit card debt? Should you just go with that attractive ad in the newspaper that says '...the lowest APR in the town is available here'?

The first thing, really, is to keep your eyes and ears open. There are always a number of offers available for you to choose from. The credit card suppliers keep coming with new and more attractive offers asking you to consolidate credit card debt with them. However, you must note that the APR quoted in bold, e.g. 0% APR, is applicable only for a short term (3-9 months). The long term (or the standard) APR is different. So, when you go looking for a credit card to consolidate credit card debt, you must be keenly looking for these 3 things (in terms of APR) - introductory APR, introductory APR period and the standard APR. Let's see how each one is important.

Introductory APR is probably the most attractive thing to look for when you are looking to consolidate credit card debt. If you consolidate credit card debt to a card that has a low introductory APR e.g. 0%, the first thing you get is a breather/relief in terms of the rate at which your credit card debt has been growing. Based on how long that 0% APR period is (generally you will look to consolidate credit card debt with a credit card supplier who offers 0% initial APR), you will at least be able to temporarily break the growth rate of your credit card debt. More the introductory period, the better it is. However, you should not ignore the standard APR when you consolidate credit card debt. This is the interest rate that will be applied to your balance after the expiry of the introductory low APR period that was given to lure you to consolidate credit card debt with that credit card supplier. If the standard APR is too high and you know that you will not be able to clear off the entire credit card debt during the low APR period, that credit card is probably not the best for you to consolidate credit card debt to. However, if you think that you will be able to clear off the entire credit card debt during that period, you can make some compromises on the standard APR of the credit card to which you consolidate credit card debt.

The card that synchronizes with your current and future financial position (and needs), is the one you should consolidate credit card debt to.
We know that it's good to consolidate credit card debt (at least that is what we keep hearing from everyone). In fact, the first step towards addressing the problem of credit card debt is to consolidate credit card debt. Now, what do you do to consolidate credit card debt? Should you just go with that attractive ad in the newspaper that says '...the lowest APR in the town is available here'?

The first thing, really, is to keep your eyes and ears open. There are always a number of offers available for you to choose from. The credit card suppliers keep coming with new and more attractive offers asking you to consolidate credit card debt with them. However, you must note that the APR quoted in bold, e.g. 0% APR, is applicable only for a short term (3-9 months). The long term (or the standard) APR is different. So, when you go looking for a credit card to consolidate credit card debt, you must be keenly looking for these 3 things (in terms of APR) - introductory APR, introductory APR period and the standard APR. Let's see how each one is important.

Introductory APR is probably the most attractive thing to look for when you are looking to consolidate credit card debt. If you consolidate credit card debt to a card that has a low introductory APR e.g. 0%, the first thing you get is a breather/relief in terms of the rate at which your credit card debt has been growing. Based on how long that 0% APR period is (generally you will look to consolidate credit card debt with a credit card supplier who offers 0% initial APR), you will at least be able to temporarily break the growth rate of your credit card debt. More the introductory period, the better it is. However, you should not ignore the standard APR when you consolidate credit card debt. This is the interest rate that will be applied to your balance after the expiry of the introductory low APR period that was given to lure you to consolidate credit card debt with that credit card supplier. If the standard APR is too high and you know that you will not be able to clear off the entire credit card debt during the low APR period, that credit card is probably not the best for you to consolidate credit card debt to. However, if you think that you will be able to clear off the entire credit card debt during that period, you can make some compromises on the standard APR of the credit card to which you consolidate credit card debt.

The card that synchronizes with your current and future financial position (and needs), is the one you should consolidate credit card debt to.
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