The Office (DVD) Review Friday, Jan 30 2009 

One of the most refreshing new comedy series on TV, The Office catalogues the inner-workings of a fictional Pennsylvania paper company called Dunder-Mifflin. The name itself alludes to some sort of bureaucratic labyrinth administered by dunderheads, and in reality, it is. Unfortunately, what makes The Office so hilarious is the ability of viewers to relate to the onscreen office culture. The branch office of Dunder-Mifflin viewers are privy to is managed by the politically-incorrect, borderline lunatic Michael Scott (Steve Carell). Using twisted logic to set company policy, worn out clichés as a substitute for leadership, and an endless array of corny group activities to lift employee morale, he creates an office atmosphere that makes the career of Dilbert seem desirable in contrast.

Carell, star of the recent box office hit The 40-Year-Old Virgin, shines in the role of the nutty and eccentric office manager, and his talents are well complimented by Rainn Wilson who plays the part of Michael’s butt-kiss, rule-Nazi lackey, Dwight Schrute. Dwight’s over-the-top antics conflict with the rest of the office, particularly co-worker Jim Halpert (John Krasinski) whom Dwight would like to fire. A charming unspoken office crush between Jim and Pam Beesley (Jenna Fischer) makes for an interesting and recurring subplot. Both Jim and Pam epitomize the remainder of the cast of Dunder-Mifflin employees who come across as logical, well-reasoned, and normal individuals. Normal people stuck in a bizarre world where idiots like Michael and Dwight preside over their working hours. Similar in theme to the equally funny feature film Office Space, The Office provides us with a much more excitable Bill Lumbergh lording over an army of Peter Gibbons-like worker bees. For creators Ricky Gervais and Stephen Merchant, who first experienced success with the concept in the UK, it’s a recipe for pure, unadulterated laughter.

The Office (Season 1) DVD features six hilarious episodes including the season premiere in which a camera crew arrives at Dunder-Mifflin in order to film a documentary. Naturally, Michael tries to portray himself as a brilliant steward of office productivity, while office enemies Jim and Dwight engage in a series of desk battles. Viewers also get a glimpse of the regular flirtations between Jim and Pam. Other notable episodes include “Diversity Day” in which Michael engages in a feeble and half-hearted attempt to shed light on office diversity, while alienating most of his employees in the process, and “Health Care” in which Michael, afraid of bearing bad news, delegates his authority to Dwight who creates an utter fiasco of the company health care plan.

Below is a list of episodes included on The Office (Season 1) DVD:

Episode 1 (Pilot) Air Date: 03-24-2005
Episode 2 (Diversity Day) Air Date: 03-29-2005
Episode 3 (Health Care) Air Date: 04-05-2005
Episode 4 (The Alliance) Air Date: 04-12-2005
Episode 5 (Basketball) Air Date: 04-19-2005
Episode 6 (Hot Girl) Air Date: 04-26-2005

About the Author

Britt Gillette is author of The DVD Report, a blog where you can find more reviews like this one of The Office (DVD).

Schizophrenia is a chronic, severe, and disabling brain disease. Friday, Jan 30 2009 

Schizophrenia is a chronic, severe, and disabling brain disease. Approximately 1 percent of the population develops schizophrenia during their lifetime - more than 2 million Americans suffer from the illness in a given year. Although schizophrenia affects men and women with equal frequency, the disorder often appears earlier in men, usually in the late teens or early twenties, than in women, who are generally affected in the twenties to early thirties. People with schizophrenia often suffer terrifying symptoms such as hearing internal voices not heard by others, or believing that other people are reading their minds, controlling their thoughts, or plotting to harm them. These symptoms may leave them fearful and withdrawn. Their speech and behavior can be so disorganized that they may be incomprehensible or frightening to others. Available treatments can relieve many symptoms, but most people with schizophrenia continue to suffer some symptoms throughout their lives; it has been estimated that no more than one in five individuals recovers completely.

This is a time of hope for people with schizophrenia and their families. Research is gradually leading to new and safer medications and unraveling the complex causes of the disease. Scientists are using many approaches from the study of molecular genetics to the study of populations to learn about schizophrenia. Methods of imaging the brain’s structure and function hold the promise of new insights into the disorder.

Schizophrenia As An Illness

Schizophrenia is found all over the world. The severity of the symptoms and long-lasting, chronic pattern of schizophrenia often cause a high degree of disability. Medications and other treatments for schizophrenia, when used regularly and as prescribed, can help reduce and control the distressing symptoms of the illness. However, some people are not greatly helped by available treatments or may prematurely discontinue treatment because of unpleasant side effects or other reasons. Even when treatment is effective, persisting consequences of the illness - lost opportunities, stigma, residual symptoms, and medication side effects - may be very troubling.

The first signs of schizophrenia often appear as confusing, or even shocking, changes in behavior. Coping with the symptoms of schizophrenia can be especially difficult for family members who remember how involved or vivacious a person was before they became ill. The sudden onset of severe psychotic symptoms is referred to as an “acute” phase of schizophrenia. “Psychosis,” a common condition in schizophrenia, is a state of mental impairment marked by hallucinations, which are disturbances of sensory perception, and/or delusions, which are false yet strongly held personal beliefs that result from an inability to separate real from unreal experiences. Less obvious symptoms, such as social isolation or withdrawal, or unusual speech, thinking, or behavior, may precede, be seen along with, or follow the psychotic symptoms.

Some people have only one such psychotic episode; others have many episodes during a lifetime, but lead relatively normal lives during the interim periods. However, the individual with “chronic” schizophrenia, or a continuous or recurring pattern of illness, often does not fully recover normal functioning and typically requires long-term treatment, generally including medication, to control the symptoms.

Making A Diagnosis

It is important to rule out other illnesses, as sometimes people suffer severe mental symptoms or even psychosis due to undetected underlying medical conditions. For this reason, a medical history should be taken and a physical examination and laboratory tests should be done to rule out other possible causes of the symptoms before concluding that a person has schizophrenia. In addition, since commonly abused drugs may cause symptoms resembling schizophrenia, blood or urine samples from the person can be tested at hospitals or physicians’ offices for the presence of these drugs.

At times, it is difficult to tell one mental disorder from another. For instance, some people with symptoms of schizophrenia exhibit prolonged extremes of elated or depressed mood, and it is important to determine whether such a patient has schizophrenia or actually has a manic-depressive (or bipolar) disorder or major depressive disorder. Persons whose symptoms cannot be clearly categorized are sometimes diagnosed as having a “schizoaffective disorder.”

Can Children Have Schizophrenia?

Children over the age of five can develop schizophrenia, but it is very rare before adolescence. Although some people who later develop schizophrenia may have seemed different from other children at an early age, the psychotic symptoms of schizophrenia - hallucinations and delusions - are extremely uncommon before adolescence.

The World of People With Schizophrenia

Distorted Perceptions of Reality People with schizophrenia may have perceptions of reality that are strikingly different from the reality seen and shared by others around them. Living in a world distorted by hallucinations and delusions, individuals with schizophrenia may feel frightened, anxious, and confused.

In part because of the unusual realities they experience, people with schizophrenia may behave very differently at various times. Sometimes they may seem distant, detached, or preoccupied and may even sit as rigidly as a stone, not moving for hours or uttering a sound. Other times they may move about constantly - always occupied, appearing wide-awake, vigilant, and alert.

Hallucinations and Illusions Hallucinations and illusions are disturbances of perception that are common in people suffering from schizophrenia. Hallucinations are perceptions that occur without connection to an appropriate source. Although hallucinations can occur in any sensory form - auditory (sound), visual (sight), tactile (touch), gustatory (taste), and olfactory (smell) - hearing voices that other people do not hear is the most common type of hallucination in schizophrenia. Voices may describe the patient’s activities, carry on a conversation, warn of impending dangers, or even issue orders to the individual. Illusions, on the other hand, occur when a sensory stimulus is present but is incorrectly interpreted by the individual.

Delusions Delusions are false personal beliefs that are not subject to reason or contradictory evidence and are not explained by a person’s usual cultural concepts. Delusions may take on different themes. For example, patients suffering from paranoid-type symptoms - roughly one-third of people with schizophrenia - often have delusions of persecution, or false and irrational beliefs that they are being cheated, harassed, poisoned, or conspired against. These patients may believe that they, or a member of the family or someone close to them, are the focus of this persecution. In addition, delusions of grandeur, in which a person may believe he or she is a famous or important figure, may occur in schizophrenia. Sometimes the delusions experienced by people with schizophrenia are quite bizarre; for instance, believing that a neighbor is controlling their behavior with magnetic waves; that people on television are directing special messages to them; or that their thoughts are being broadcast aloud to others.

Substance Abuse Substance abuse is a common concern of the family and friends of people with schizophrenia. Since some people who abuse drugs may show symptoms similar to those of schizophrenia, people with schizophrenia may be mistaken for people “high on drugs.” While most researchers do not believe that substance abuse causes schizophrenia, people who have schizophrenia often abuse alcohol and/or drugs, and may have particularly bad reactions to certain drugs. Substance abuse can reduce the effectiveness of treatment for schizophrenia. Stimulants (such as amphetamines or cocaine) may cause major problems for patients with schizophrenia, as may PCP or marijuana. In fact, some people experience a worsening of their schizophrenic symptoms when they are taking such drugs. Substance abuse also reduces the likelihood that patients will follow the treatment plans recommended by their doctors.

Schizophrenia and Nicotine The most common form of substance use disorder in people with schizophrenia is nicotine dependence due to smoking. While the prevalence of smoking in the U.S. population is about 25 to 30 percent, the prevalence among people with schizophrenia is approximately three times as high. Research has shown that the relationship between smoking and schizophrenia is complex. Although people with schizophrenia may smoke to self medicate their symptoms, smoking has been found to interfere with the response to antipsychotic drugs. Several studies have found that schizophrenia patients who smoke need higher doses of antipsychotic medication. Quitting smoking may be especially difficult for people with schizophrenia, because the symptoms of nicotine withdrawal may cause a temporary worsening of schizophrenia symptoms. However, smoking cessation strategies that include nicotine replacement methods may be effective. Doctors should carefully monitor medication dosage and response when patients with schizophrenia either start or stop smoking.

Disordered Thinking Schizophrenia often affects a person’s ability to “think straight.” Thoughts may come and go rapidly; the person may not be able to concentrate on one thought for very long and may be easily distracted, unable to focus attention.

People with schizophrenia may not be able to sort out what is relevant and what is not relevant to a situation. The person may be unable to connect thoughts into logical sequences, with thoughts becoming disorganized and fragmented. This lack of logical continuity of thought, termed “thought disorder,” can make conversation very difficult and may contribute to social isolation. If people cannot make sense of what an individual is saying, they are likely to become uncomfortable and tend to leave that person alone.

Emotional Expression People with schizophrenia often show “blunted” or “flat” affect. This refers to a severe reduction in emotional expressiveness. A person with schizophrenia may not show the signs of normal emotion, perhaps may speak in a monotonous voice, have diminished facial expressions, and appear extremely apathetic. The person may withdraw socially, avoiding contact with others; and when forced to interact, he or she may have nothing to say, reflecting “impoverished thought.” Motivation can be greatly decreased, as can interest in or enjoyment of life. In some severe cases, a person can spend entire days doing nothing at all, even neglecting basic hygiene. These problems with emotional expression and motivation, which may be extremely troubling to family members and friends, are symptoms of schizophrenia - not character flaws or personal weaknesses.

Normal Versus Abnormal At times, normal individuals may feel, think, or act in ways that resemble schizophrenia. Normal people may sometimes be unable to “think straight.” They may become extremely anxious, for example, when speaking in front of groups and may feel confused, be unable to pull their thoughts together, and forget what they had intended to say. This is not schizophrenia. At the same time, people with schizophrenia do not always act abnormally. Indeed, some people with the illness can appear completely normal and be perfectly responsible, even while they experience hallucinations or delusions. An individual’s behavior may change over time, becoming bizarre if medication is stopped and returning closer to normal when receiving appropriate treatment.

Publicise Your Company’s Services with Video Commercials Tuesday, Jan 27 2009 

Videos on the Internet are an essential tool to promote your businesses products and services. There is no doubt that there are lots of other sorts of marketing techniques which include article writing to blogging, from PR to e-mail. Though, nothing says “cool, connection, and creative” like a commercial video.

Each month more and more firms of different sizes are creating promotional videos about their products. They’re not only posting them on their company sites, but They’re posting them to their own blogs. To gain international twenty four seven exposure, video commercials are being added to many video-sharing websites like that of YouTube & Google Videos. And why not ? it is very inexpensive, easy-to-do, & can have a large difference, in a number of cases, on the traffic it sends to your companies site.

There are several other reasons why video commercials are a tremendous way to promote your organisation.

Short format videos benefit from an extensive distribution: Videos by their own nature are easy to “package” which means they are suitable to slot into an array of different distribution channels. You can put them on your website or blog, on the other hand you can load them onto your desktop machine & show them over and over at a selected company show. You can post them to several World Wide Web video-sharing social media websites. You can burn them onto DVDs & give them away or sell them. You can even dispatch them by email.

Professional videos are a terrific way to advertise. As our use of technology evolves, so do the ways in which business like to interact with others. Most individuals are visually oriented meaning that is how they best understand & work with their world. This makes videos on the Internet the idyllic marketing strategy to communicate with today’s public. If your are looking for a creative agency dedicated to empowering your business with high quality online video marketing, visit www.vidify.co.uk today.

These are just a couple of the numerous reasons why online videos might be an exceptional way to advertise your company’s services. Learn more about this area to see how you may use your time, funds, and energy to communicate with your target clients in an inventive and motivating way.

Leverage Balance Transfers Sunday, Jan 25 2009 

The competition is alive and well between credit card companies, every company is working hard to invent new and exciting ways of attracting applicants to apply for a credit card with their company. No matter where you go, you will likely be given some sort of offer with any number of credit cards. For example, a credit card could inform you that they will offer you an unheard of interest rate with for an extended period, or another could offer you rewards of cash back on any item you purchase using their credit card. You will see these types of attractive advertisements often, you should bear in mind however, that even though these offers may sound extremely good, typically they do not offer these things for the consumers interest, instead they offer them to attract business.

Consumers often benefit from the fierce competition between credit card companies. Studies show that the average United Kingdom resident owes approximately £1,140 in debt with credit cards. Typically, this is for one or more cards and each card will carry a unique interest rate. The competition has led companies offering credit cards to offer a balance transfer at a 0% rate, this is in hope that they will attract consumers to apply for their credit card and transfer their existing debt onto theirs.

You may be wondering, what exactly is a balance transfer? This is the practice of taking the balance you owe on one card and transferring it to another. Typically, this is done to help you save money on the amount of interest you currently pay on the debt. Now before you run out and apply for that credit card that offers a 0% balance transfer you should be aware that usually that rate is only a promotional one. You will want to make sure that you understand what the rate will be once that promotional rate ends, as well as understand how long you have to pay the payments interest free.

Another thing you should do, is compare the cards that offer them, the reason for this is that one card could offer a longer balance transfer term than another. The ideal card will allow you enough credit that you will be able to transfer all of your existing debt to one card. This will allow you to have only one payment monthly with 0% interest. In essence, you will be able to pay the debt off at a faster rate because none of the payment is applied towards interest.

Jeff Lakie is a contributing author at our website where
You can get a free Secured Loans Quote right now. Take a moment and see
for yourself.

When Cupid Hits Saturday, Jan 24 2009 

I used to live a simple, happy life. I call it happy, but it was more of a peaceful life. Happiness has different meanings at different times. Till a woman gives birth, she does not know what is happiness of being in love with the child. Is it not true? It was same with me.

Talking of love, I had read quite a lot in books and seen many movies. But love, the emotion was unknown to me. Then I fell in love and my world changed suddenly. I cannot say that I used to see stars in bright sun light, but I can surely say that for me the days became as lovely as the nights. We used to share everything. I used to read my poetries to her on telephone and she listened. That simple sharing was heavenly. The same ice cream used to taste totally differently when we used to share from the same cup. What she bought for me was commonly available in the shops, but I used to wear those clothes as if they were directly delivered from heaven.

I can go on and on about what all we shared and loved. As I said before that I had read about love, but did not know about it. I came to know about love only after falling in love. Love eCard 1, Love ecard 2, L ove eCard 3 If you are not in love, please fall in love. There is nothing comparable to love in giving joy. If you are already in love, please make use of every moment to experience it. Love comes as a blessing of God. Love is a blessing and one need not know about heaven if one is in love. Why one falls in love with a particular person? Why one feels different in love? Why one likes the feeling of love more than anything else? Why one forgets one’s identity in love? And why one dies when the beloved leaves for no reason, is a mystery.

Please enjoy life when you are in love. Enjoy every moment and live it. Love is a great feeling. Experience and live with love as much as you can, before you lose it.

How URL Length Affects Search Engine Placement Thursday, Jan 22 2009 

There is some difference of opinion on the subject of whether or not the URL of a web site affects its search rankings. Let us first note the golden rule of search engine optimization. Though shalt not build a web site for search engines, but rather for human visitors.

There is evidence which indicates URL selection affects search rankings. The two main factors seem to be:

1. Extremely long URL’s seem to be considered hard to type by a human, therefore an attempt at spam; and 2. Given the fact that a long URL is considered an attempt at spam, it would then seem to be true that search engine rankings can be improved by the use of keyphrases in a URL.

An example of the first point above would be a URL that looks something like this: www.roses-chrysanthemums-tulips-and-more.com. No legitimate company would actually want this domain, nor would any human care to type it. It is an obvious attempt to spam the search engines. So, we remember the Golden Rule of Search Engine Optimization. Some studies have shown that extremely long domain names appear less frequently in the top twenty results than do shorter ones.

That being said, empirical evidence does support search engine indexing of URL keywords. Both Google and Yahoo!, for example, display in bold the portion of a URL that matches a search string, which seems to me indicative of indexing. However, I have been unable to ascertain, either personally or through extensive research, any truly significant occurrence of URL’s in the top twenty results which contain the search string.

The lesson learned here is this: name your web site what would be a logical name - for instance, after your business name. Make it friendly to a human. If a search query happens to be part of that business name, then fine. Don’t, however, engage in keyword stuffing in the selection of the URL.

——— About the Author: Matt Foster is the president of ArteWorks Business Class and an expert on search engine optimization. He has been active in the industry since 1995. For further information, please visit www.arteworks.biz or www.search-bully.com.

Plastic and New York: Fun and Rewards Thursday, Jan 22 2009 

If you travel a lot by air then getting airlines credits cards would be the perfect answer to many of your travel woes. These cards are a boon for people who have to use flights in order to go for business meetings or vacations. A customer can earn miles or points for using the card to buy pretty much anything, including their tickets and hotel reservations. They also get discounts for dining at many restaurants. These cards are like your regular credit cards that come with a credit limit and has interest accrued for every purchase, but it comes with the additional benefit of getting points or rewards whenever you use these cards.

And if you’re planning to go to New York on your next vacation then card is a must as you can not only get some points on your New York travel but also use the card for shopping at the many irresistible stores while in New York. New York is the biggest city of the US and has so much to see and do that one trip would not do full justice. The most famous tourist attractions in this city are undoubtedly the world famous Statue of Liberty and the Times Square where people like to pose against the neon lights and have their snaps taken.

Another must visit is the Ground Zero which is the memorial that is erected at where once the Twin towers stood. This memorial is dedicated to all those thousands of innocent people who lost their lives on 9/11. While in New York, if you don’t get to eat the famous Pizza and hot dogs and bagels it would be an incomplete holiday, so when in New York be like one of them and enjoy the beautiful food and drinks that are here in abundance.

Lance Armstrong and Exercise - From Denial to Desire! Wednesday, Jan 21 2009 

Press Conference 1996 - Lance Armstrong
On Wednesday October 2, I was diagnosed with testicular cancer. I have been made aware that it has spread to other parts of my body… I… I am… here to say, I will work with the doctors to overcome… and I will work hard to race once again.

“Just DO it” Nike Ad

Sunday July 24, 2005 Lance Armstrong not only beat cancer, but also went out on top after winning seven consecutive Tour De France bicycle races. If you don’t know, the Tour De France bike race is with out a doubt the most grueling endurance race ever. For the most conditioned athletes it is the hardest optical they will ever face. However, for Lance after cancer, the race seems as if it were just a formality of a race already won.

No one will ever know what truly drives a human being to overcome such odds. No one will ever know what demons they had to face each and every day in those beds, bikes and back roads of their minds. What I do know is Lance did go from denying his condition to having a deep desire to overcome it and succeed!

In my best selling book I write what it takes to go from denial about your health to incorporating exercise into your daily routine.

Here’s a small portion:

From Denial to Desire

Living in a state of denial can really be a big weight to carry for anyone, no matter what the circumstances are surrounding it. But, what does it mean to be in denial of your health? What are some of the behaviors that are associated with denial?

I know I need to make an appointment for a checkup! But you don’t.

I may have a few pounds on me, but I still feel fine.

I walk on the golf course isn’t that enough?

I’m going to die sooner or later, why start now on an exercise program?

Ok, I get the point, but……

Where do I go from here? What’s next for me?

HAVE A DEEP DESIRE

What does it mean to have deep desire for something? Remember those feelings you had back when you wanted your first bicycle. That Barbie doll you made a fit over in the toy store in front of everyone. Or what about that girl or boy you would have done just about anything for? There was such a hunger, a burning in your gut. You couldn’t even think straight, eat or sleep because it occupied your every thought. You just had to have it!

HAVE HOPE

Have hope! Acknowledging the reality of your life does not mean you have to give up hope. It can mean just the opposite, “A new, fresh beginning.” Many a people have done extraordinary things with nothing but a little bit of hope. Combine that with some faith and a deep desire to feel better, you may be surprised how your life will change.

HAVE AN OPEN MIND

Have an open mind toward exercise and eating better, rather than resenting the actions.

Accept the fact that life will not hand you a perfect situation.

Learn that your self-worth is not based upon if you ask for help along the way.

We age. Our metabolism slows down, and we are more prone to injuries and illness. However, it does not have to be fatal or depressing if you exercise and eat better.
The threesome of denial, pride and laziness will always be followed up by some unwanted consequence to your health. And things that make you resist exercise and eating right are only illusions you have created.

If the whys are big enough, the hows don’t matter!

Niche

HAVE A LONG-TERM ATTITUDE

If you want to go from denial to desire, call on the “all or nothing attitude.” If you are going to start now, you have to start for good. The reality is you will have good attitude and bad attitude days for the rest of your life. But understand, if you are going to be healthier through exercise and eating, you are going to have to participate in some form of exercise till the day you die. This is not a temporary fix to a long-term problem; it is a lifestyle.

TAKE AN “INSIDE-OUT” APPROACH

It is really important to understand that in order to sustain a healthy lifestyle, you have to develop a positive type of mind set. Sure it looks great and feels great to have a well-shaped body on the outside. However, you will never win the aging battle if you think that all you have to do is work on the outside of the body.

You will have a better chance of feeling better inside and outside if you have a deep desire to be healthy both physically and emotionally first! When your motives and desires come from the heart or “INSIDE-OUT”, then true health begins to grow. And if your physical appearance changes during the process, that is icing on the cake.

Changing from the “INSIDE-OUT” is a concept or idea, a day-to-day mindset. When your main desire to exercise centers in your heart, it is here you start to live your life with the attitude of

What’s next?

In a Nut Shell

What’s next? Only you can answer that question.

Denial, Pride and Lazy will be your biggest obstacles when getting in better shape. And it would be unrealistic to think you will ever be totally rid of them. On the other hand, building a strong desire to stand on your own can be your biggest strength against them. When your desire to feel better is so strong, the truth becomes a tool instead of a barrier.

Denial, Pride and Lazy are fictional characters in our minds. While paralyzing, immediate action without compromise tends to scare them away. Waiting to feel better makes no logical sense. Starting right now makes all the sense in the world because the result will be that you feel better.

“If only I had known.” they said.

From the coach’s box:

The process will be a lot easier with an open-minded, long-term approach to your health.

Most importantly, focus on what matters most in the long run– working on your inside physical and emotional well being.

No, you may not be a Lance Armstrong, but you do have the capabilities to overcome adversity in your life. We may not be able to win races on a bicycle, however we can
LIVESTRONG! Way to go Lance. Thanks for being such an inspiration to us all!

Greg Ryan is a high profile fitness expert and former employee of Kathy Smiths. Best selling author of the Changing from the INSIDE book series. Discover the common sense way to lose weight with out dieting. A proven formula the doctor’s DON’T want you to know about.

For FREE MINI COURES click here http://www.resolutions.bz

How to Get a Better Rate from Your Current Credit Card Company Monday, Jan 19 2009 

You have just realized that your credit card company is charging you a hefty 20% interest on your charges! That is way off as compared to the 11% to 15% rates that you see online. When it comes to credit cards, a 5% difference in interest rates can mean a lot especially if you have balances rolled over to the following months. Is there any way you can obtain a better rate without switching credit cards?

The answer is yes. The first thing you should do is to run a check on your credit report. As you are entitled to one free credit report each year, this is a good opportunity for you to dig out any discrepancies that the credit bureau may have on your credit history. In the event that there are errors in your report, you should get them sorted out as soon as you can.

If your credit report looks great, this means that you are of a low credit risk to your credit card company. This is essential as your risk level should correspond with the interest rate applicable to your credit card charges. Thus, a lower risk means a lower interest rate. Armed with the details of your credit report, call your credit card company and ask them to reduce your interest rates. Give them valid reasons supporting your claim, coupled with information on attractive rates from their competitors.

Your credit card company should be open to listen to you and your reasons. The least they should do is to tell you that they will get their management team to evaluate your case. Perhaps your credit history was not as favorable as it is now at the point when you applied for your credit card. That could very well be the reason for the high interest rates.

If your credit card company still refuses to budge after negotiations, perhaps its time that you consider a switch to your credit card. There are many credit cards in the market that offer balance transfers at low or no cost. What’s more, they are willing to lower their interest rates or even go on a 0% APR for an introductory period. As their goal is to make you their customer, they are willing to go the extra mile to switch you to their side. Perhaps this is something that your current credit card company is unwilling to do.

Alan Bernstein recommends Find Credit Cards to apply for a Chase credit card today.

Which Credit Card? Monday, Jan 19 2009 

Bewildered by the sheer variety of debit cards and credit cards? Here is a breakdown of some of the main types of debit and credit cards available:

Debit card

You can use a debit card to buy goods and services. A debit card is very much like a cheque, unlike a credit card, you pay for goods straight away and the money comes out of your account quickly. The amount you spend using a debit card is immediately deducted from your current account.

A debit card allows you to make purchases whereby the money is taken straight from your current account, the benefit of a debit card is that your finances are kept up to date immediately, without having to wait for a monthly bill as is the case with a credit card.

Your banking institution issues you with a debit card. Debit cards offer less protection than credit cards in the event of a billing dispute. In addition, if your debit card is stolen, it is possible that your debit card account could be emptied. Most debit cards have a Switch/Delta/Solo/Electron symbol on them. If you become overdrawn you will pay interest on the amount due.

Cash card

This lets you take out money from a cash machine (ATM). To use it, you’ll need a Personal Identification Number (or PIN) which your bank sends you. Each time you use your card at a cash machine, you’ll need to key in this number.

Credit card

A credit card lets you buy goods and services up to a set limit before you pay for them. A credit card represents a loan agreement where you are offered credit, providing you pay off a minimum amount each month. You can charge purchases up to the amount of your credit limit and pay for them later.

If you clear your balance in full each month, you don’t pay any interest on the money you have spent. But, if you don’t, you’ll normally have to pay at least 3-5% of the balance, and interest will be charged on the outstanding balance. Some cards charge you an annual fee.

A credit card allows you to live now and pay later. When you successfully apply for a credit card, you will be advised of your credit limit. Ensure you stay within it, as exceeding it could result in either your card taken away from you or being charged interest on the extra credit you incur.

Charge Card

This is very similar to a credit card, although the monthly balance must be paid in full. An example of a type of charge card would be an “American Express” card.

Cheque guarantee card

If you’re paying for goods or services with a cheque, you’ll probably be asked for a cheque guarantee card. This means the bank will normally pay your cheque up to the amount guaranteed.

Store Card

A restricted form of credit, store cards act as credit cards in those shops that the card is accepted. Purchases are made using the card, and then a consolidated bill is sent at the month’s end, which is then settled in a manner similar to a credit card.

Deciding which plastic card to use can be confusing but it can help you to reach a decision if you know what you want to use the card for.

If you just need it as a substitute for carrying cash, rather than use a credit card, you may as well use a debit card, which takes the money from your bank account directly.

If you like to pay your balance off each month, a charge card might suit you.

If you want to pay off your debt in instalments, choose a credit card.

You may freely reprint this article provided the author’s biography remains intact:

About The Author
John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

Next Page »