Posts for Finance Category

Best card credit interest low very — for You

Finance - Ruth - August 31, 2021

If you are looking for card credit interest low very, want to know about UniccShop a popular CVV shop, or want to learn a little about the credit card industry you came to the right place. You can also find little-known information on how to choose a card credit interest low very taking into consideration your particular financial situation, and how to be approved fast for the most prestigious visa and other credit cards.

Whether you want to start or improve your credit, get access to an additional amount of money, or simply obtain a plastic for your travel and purchasing needs Ė card credit interest low very is the best tool to make your wish come true.

card credit interest low very such as the low-interest rate VISA card lets you shop when the sales are happening, even if you donít have the cash right in your wallet. You can also conveniently use it when you need to make an Internet purchase with peace of mind.

You will save money at the time of purchase by buying items as they are placed on sale and save with card credit interest low very in the months that follow. Basically, it gives you a good chance to take better care of your financial future utilizing your ability of financial planning and savings.

The best part about the card credit interest low very is that you can use it to your fullest advantage empowering your spending and building a strong credit history.

Continue Reading

United Mileage Plus Select Visa Credit Card

Finance - Ruth - August 29, 2021

If you have excellent credit with a credit score between 750 and 850 and are interested in applying for a great credit card with travel benefits, the United Mileage Plus Select Visa credit card would be a top contender. Just knowing this card carries the Visa logo is enough since Visa is accepted around the world by millions of merchants. However, with the partnership between Visa and United Airlines, you end up with a credit card that has everythingyou need and more.

The United Mileage Plus Select credit card is issued through JP Morgan Chase. With this bank being one of the largest and most respected in the country, you have additional peace of mind with this particular card. Although this credit card does not have an introductory period as many of the other Chase credit cards do, it offers a competitive Annual Percentage Rate of 13.24%. While there is a $95 annual fee, this would be offset by the great point system associated with the credit card.

For bonus miles offered through the United Mileage Plus Select Visa credit card, after spending $250, not only would you earn 30,000 bonus miles but also a $50 travel certificate for United Airlines. The great thing about this is that typically, roundtrip airline travel uses 25,000 miles so this would be enough for you to travel to a destination within the United States on United Airlines. In addition, with a fresh Cvv for every $1 spent on both United and Continental Airline purchases, you would earn three miles and for every $1 spent on home improvement projects, gasoline, groceries, dining out, and even purchases through Star Alliance, you earn an additional two miles. All other purchases would yield one mile for every $1 spent.

Each year, you would also have the opportunity to earn up to 5,000 Elite Qualifying Miles, which could be redeemed for purchases through www.united.com. Unlike some of the other credit cards offered through Chase, the United Mileage Plus Select Visa credit card does not come with an introductory period. Even so, from day one you would enjoy the benefits of an Annual Percentage Rate of 13.24%.

Although the United Mileage Plus Select Visa credit card does have an annual fee of $95, considering all the benefits this is a nominal fee to pay. Keep in mind that to qualify for this particular card you do need excellent credit but in return, you would have many benefits to enjoy.

Continue Reading

Giving vs. Spending: What’s the Difference in My Budget?

Finance - Ruth - September 29, 2020

One topic that came up during the recent No Spend Weekend Challenge was that of giving vs. spending. It’s a spiritual question that we answer with our physical lives. Choosing how and when to use our money gets complicated when funds are tight. How we allocate our available resources can reveal our true priorities.

I believe giving and spending are very different things and should be addressed differently in a budget. Spending is trading money for something you want. Giving is offering something, money or goods or services, to another person or entity with no expectation of receiving anything in return.

Giving and spending can, on the surface, look a lot alike. It is in examining your motives and potential return that you find the difference. Motives can be a difficult thing to force ourselves to consider because they can appear beautiful on the surface but be ugly underneath.

Let’s make it a little less personal and look at it from the perspective of a business. Suppose the local fitness center, we’ll call it “LFC” for short, sponsors a charity 5k. LFC goes all out and becomes the title sponsor. The name of the organization is used every time the 5k is advertised, as in, “Come to the LFC Charity 5K next weekend!” The business logo appears on all of the event signs and is the largest and most prominent image on the back of the event t-shirt. LFC’s owner is invited to make an appearance at the event and has a photo op with the head of the charity and some cute little kids who have benefited from the charity’s work.

Is sponsoring the charity event giving or spending (specifically on advertising)? Do you see what I mean? It’s complicated. I’m not saying LFC’s owner is bad or phony for sponsoring a charity event. The owner may really want to support the charity. It just seems at some point the sponsorship crosses a line from giving into spending. It’s hard to tell.

Here’s another example, one from my own life. My husband is a minister and as such we are often called to lead by example. We take the responsibility seriously and strive to live up to our calling in Christ in everything we do, including how we handle our finances, even though we know we don’t always do it perfectly.

A few years ago our church embarked on a fundraising campaign and all of the church leaders were called upon to make the first pledges to the campaign as visible proof to the congregation of the importance of the project. Naturally the Senior Minister and his wife were expected to do their part. We certainly wanted to support the project, but it would be easy to ask where one draws the line between the “cheerful giver” of 2 Corinthians 9:7 and merely fulfilling a job responsibility. We had to search our motives to be sure we were giving out of love.

So what about you? Are you giving a gift to impress your boss? To bless your neighbor? To control your children? To encourage your friend?

I don’t profess to have those answers. Only the individual can evaluate his own heart and mind. While I still think gifts given with less than stellar motives can be used for good, please let me encourage you to honestly evaluate how and why you give or don’t give, particularly if you are having financial difficulties. If you are giving out of a grateful heart that is overjoyed to have something to offer during a lean time, then good for you! Just as Jesus honored the widow’s mites I hope he will honor and multiply your gift. If you are giving to get ahead or maintain appearances, please reconsider your spending priorities and get to a place where you are free to give out of joy, not manipulation or obligation.

Isn’t it interesting that God promises blessings for giving (not spending)? In Malachi 3:10 the Lord basically double-dog-dares us to give and promises great things if we do. I suspect He knows our motives even better than we do, so it seems wise to examine them ourselves.

What do you see as the line between spending and giving? How do you prioritize giving and spending in your budget?

Continue Reading