Niche River Articles

Credit card providers are eager to lure in new customers and as a result offer many incentives to get you to apply for the card. These bonuses can be anything like cash,  rewards points, airline miles, store gift cards, and of course low or even zero interest rates on the balance for a time. A descriptive article goes over ‘rate surfing’ or continually jumping from credit card to credit card to ensure the best rate. Of course a 0% interest rate is the best out there and if you have a great credit score these offers are not out of reach. For more tips on achieving excellent credit consult the financial expertise at halfmoney.com.

If you decide to take advantage of these low credit card interest rate offers, realize that they do have time limits, ranging from months to years depending on the offer. And there will be a balance transfer fee, standard is about 3%. However, if you have a large balance and are currently paying very high interest rates this strategy of card rate hopping might be a good idea. Keep detailed schedules of when the rate expires, because the credit card provider is hoping that you forget or get lazy and suddenly they are making a nice profit from your debt. 

Understanding how to keep your credit in great shape is an often forgotten, yet critically important item that should be on your to do list. A handy list of ideas are these quick tips on credit repair.  The overall goal is to maintain a high credit score also referred to as a FICO score. This score is what determines the interest rates you end up paying on mortgages, car loans, credit cards, and many other loans.

The most essential action for keeping credit scores high is to pay all your bills before the due date. Late and missed payments cause large drops in the score value. There are three major agencies that compile credit information, Experian, Equifax, and TransUnion. It is possible that any one of these could have erroneous information in your file. So checking your credit information on a regular basis should become a routine task. At a minimum it should be checked once a year, which consumers have access to one free report a year. Unfortunately, you do not obtain your FICO score – that is an extra cost. However, you can see all of your active and closed accounts, make sure to check each one carefully for accuracy. For more excellent financial advice on many topics visit halfmoney.com.

MyGardenDelight.com has been updated with a new article on gopher problems.

The past many years we’ve had gophers in our yard. In fact, ever since we moved here back in the late 80s. Our property used to be part of a gently sloping hill, probably part of the foothills below the Cleveland National Forest. The builder leveled most of the land into a smoother downhill slope and put 55 houses on it which is the tract I live in.

Since that time we have been experiencing the ever present little piles of dirt the gophers leave in the wake of their labyrinth of underground tunnels in our yard. It seems like we are the only one around us with such a big gopher problem.

From what I’ve been told and what I can tell we likely have far more problems that our neighbors because we don’t have a dog or maybe even horses. On both sides of us they have dogs; in fact most of the houses around us have dogs or horses. [...]

Visit My Garden Delight to read the whole article.