Like most credit card holders I am sure you are carrying a balance on your credit card. Now to most this is a burden that they would not like to think much about. However, this oversight is possibly costing you HUNDREDS of dollars that you COULD BE saving!

One of the most common and easily found credit card offer is the 0% APR. With this type of credit card, significant savings is possible!

Skeptical? Well then read on!

It is best to show this with an example:
Let’s assume you currently owe a balance of $5000 with 14% annual interest rate. This means in 1 year, it will cost you $740 in interest alone. Is this a significant amount to you?

You can easily be saving the money you are spending on interest rate payments!

If you transferred the balance of $5000 to credit card that offered 0% APR balance transfers, you would not be spending the additional $740 for high interest rate payments. Instead, you could use the money to help pay off your debt. In our example it would reduce your balance to $4260 whereas with your previous card you would be owing $5740.

In this example, by switching to a 0 APR credit card, it offered a $1500 difference in the credit card balance and resulted in $224 savings in interest payments until the 0% APR credit card offer expired.

Once the 0% APR offer expires, you should repeat the process and transfer to another credit card offering 0% ARR interest and no fee balance transfers. To accomplish this, you need to be sure that you maintain your credit card score.

Continuing with our example, let’s assume that the credit card offer has just expired leaving me with a $4260 balance. If the interest rate was not reset to 14%, the interest payments would be $636 OR you could repeat the process and transfer to another credit card thereby reducing your debt again to $3624.

Using this method you will save money and reduce your debt.

In this example by using the 0 balance transfers, I saved $1400 and can use that money to reduce my debt payments by $1400. This doesn’t include your usual payment or any additional payments that you could be making. With additional payments, you can help exponentially pay off your dept quickly.

In this example if you added $100 per month in additional payments to the money saved in interest for two years, your dept would be nearly reduced to half ($2600). If I had not taken advantage of the 0% APR, my balance at the end of two years would have been $3700 because of the additional $1,100 in interest expenses.

With this debt management strategy, the $5000 dept would take 4 years to pay off, or sooner if you incorporate additional payments. However if I did not it would have taken 6 years, or even longer if I missed payments.

Hundreds of options are available, and huge savings are potential. It is a matter of thinking longer term and paying attention to the details. Take 5 minutes to compare 0 APR balance transfer credit card applications and start saving money that your are currently spending when you don’t have to.

I am sure everyone has heard about it, but what exactly does it meant to have your identity stolen and how much of a threat is it actually.

What is Identity Theft

Identity theft is a catch-all term for crimes involving illegal usage of another individual’s identity. The most common form of identity theft is credit card fraud. While the term is relatively new, the practice of stealing money or getting other benefits by pretending to be a different person is thousands of years old.

According to the non-profit Identity Theft Resource Center, identity theft is sub-divided into four categories:

* Financial Identity Theft (using another’s identity to obtain goods and services)
* Criminal Identity Theft (posing as another when apprehended for a crime)
* Identity Cloning (using another’s information to assume his or her identity in daily life)
* Business/Commercial Identity Theft (using another’s business name to obtain credit)

Identity theft may be used to facilitate crimes including illegal immigration, terrorism and espionage. Identity theft may also be a means of blackmail. There are also cases of identity cloning to attack payment systems, including medical insurance.

How Much of a Threat is Identity Theft to Me?

Surveys in the USA from 2003 to 2006 showed a decrease in the total number of victims but an increase in the total value of identity fraud to US$56.6 billion in 2006. The average fraud per person rose from $5,249 in 2003 to $6,383 in 2006.

Defense Link Article About Military Member Identity Theft Battle

The 2003 survey from the Identity Theft Resource Center found that :

* Only 15% of victims find out about the theft through proactive action taken by a business
* The average time spent by victims resolving the problem is about 40 hours
* 73% of respondents indicated the crime involved the thief acquiring a credit card
* The emotional impact is similar to that of victims of violent crimes

(Click Here To Read More…)

From Nov. 1 until Nov. 31, 2007 we are offering FREE iPod Shuffles with every order! All orders must be made no later than Nov. 31, 2007 to receive an iPod.

If you have bad credit here is a way to improve and get new credit now GUARANTEED! Start building a good credit rating for the future. Complete your application for a custom computer from 800HighTech.com.

How To Improve Your Credit Rating

1. Place a new account on your credit report and pay on time! Most recent entry is positive.

This will cause anyone looking at your credit to take another look even though you have a negative history. Your computer is from 800HighTech BUT your revolving credit account is with Rome Finance Company. We are outstanding at what we do and so is the finance company. People rarely compliment a finance company BUT we have countless cases where Rome has gone the extra mile for a customer who needs and deserves some help. They are automated so each month when you make payment it is automatically reported. Many companies report only bad credit but Rome Finance reports everything. This helps you to build good credit.

2. Make sure your allotment starts on time as promised

They have opened this account because you have offered an allotment as your method of payment. It is imperative that your allotment begins on time and you should be advised that for reasons unknown to me 1 in 10 do not. You should monitor your pay using the Department of Defense MyPay to make sure this allotment starts when promised. Nobody can do this for you so check and be sure. If the allotment does not start on time restart your allotment IMMEDIATELY!

3. But I gave the finance company a payment authorization form in case my allotment did not start as promised.

If your allotment does not start, Rome Finance will debit money from your bank account at their earliest opportunity to do so. At this point you will already be 30 days delinquent and that is reported automatically. Their interest is in getting paid, not protecting your credit, and that is up to you. Make sure the allotment is started again or ASAP to maintain your good credit with Rome. If you send a new allotment they will get you a fresh start. Do nothing and you are delinquent and it is reported automatically.

4. You can make additional purchases at preferred prices added to this account.

Qualified customers can add purchases to their account at preferred rates available after a few payments by allotment. These can be upgrades for their computer, additional computers, cameras, printers, etc. This account is very handy. Need some memory or a thumb drive? Just order online at preferred prices and add to your account and we will ship to you wherever you may be. Having a friend in the computer business makes owning and using your computer a lot easier. You can even purchase gifts when you are deployed ship them to your family and add the purchase to your account.

5. You can add out of warranty repairs on your account at preferred prices if you handle your payments satisfactorily.

Rome Finance wants your experience with this purchase to be trouble free BUT they cannot authorize extra charges on the account if payments are not made in a timely manner. They expect payment by allotment as promised when you opened the account. Failure to keep this promise will cause you to have difficulty accessing benefits available for our customers.

6. Cleaning up old bad accounts is the final step to good credit

Old accounts do not go away and if you want to have good credit in just three years you have to contact and pay off old bills too. Many will waive all past due and late charges f you will start a new payment plan with them and keep it. This is up to you and you will be glad to have the peace of mind that comes from having all your accounts handled in a satisfactory manner.

7. Accept responsibility for your current credit and take pride in how you handle it from now on

Many customers with good credit are in the same career position as you BUT make no excuses when something is wrong. They accept responsibility and pay their debts. It is up to you to be sure that your bills are paid on time as agreed. If you do that your life will be so much easier and so will your career. We can help you if you cooperate with us as outlined here.

Start and Maintain Your Allotment is the First Step

If you do this as our customer, we are always available to assist you with everything. If you do not keep your first promise there will be little anyone can do to help you with your credit.