Tuesday, February 19, 2008
5 Ways To Make Gas Credit Cards Work For You
Gas credit cards have become quite popular in recent years. Rising gasoline prices have caused a great many Americans to rethink their fuel consumption, in spite of our nation's love of the automobile. As far as gas prices go, it looks as if $3 per gallon is the new norm, while many experts predict that we are a geopolitical crisis away from seeing $5 a gallon.
And while there are many ways in which we can limit our fuel consumption, we still need to get to work, school and the grocery store. One way we can help ourselves is through the judicious use of gasoline credit cards. Some are specific to individual companies and offer immediate savings at the pump while others are general use cards that offer cash rebates regardless of which station you go to.
Let us examine the the benefits of gas credit cards:
1. Cash Rebates - Cards such as the Chase BP Visa offer up to 10% rebates as an introductory rate. These are termed "double rebates" and last for 60 days. After which the time the 5% rate locks in for all subsequent gas purchases. The Discover Open Road card also offers 5% cash back but is not limited to just one brand of gas.
2. 0% APR Introductory Rates - Many cards come complete with 0% interest rate offers on new purchases, while some offers have 0% APR on balance transfers. These introductory offers usually last for 6 - 12 months and can be an excellent way to save on interest for those individuals that carry monthly balances.
3. Cash Back Bonuses on Other Purchases - Expect to see cash back bonuses of 1% - 2% on other items including restaurants, groceries and just about every other consumer purchase you can think of. All offers are different so be sure to read the terms that accompany each offer.
4. No Annual Fees - Because the credit card industry has become so competitive in recent years, a byproduct of that is the elimination of annual fees. This is done to make the deal more attractive and as an incentive to choose that particular offer. Always choose a card with no annual fee.
5. 0% Fraud & Theft Liability Guaranteed - It is unfortunate, but in our modern times credit card fraud and identity theft has become a very serious problem. A gas credit card that offers full protection from theft and unauthorized use assures you that you will never be held financially liable for others misdeeds.
These are some of the main benefits that gasoline credit cards can offer. As always you are urged to carefully read over the terms and conditions of the offers you are interested in. Gas credit cards are a wonderful way to keep more of your hard money. Let's do a quick scenario that illustrates how using these cards can add up to some significant savings over time:
Suppose you fill up your tank at a station that charges $3 per gallon. Let's say your fuel tank holds 15 gallons. That visit to the gas station just cost you $45. Now if you use your gas rebate credit card you will get 5% cash back on that fill up. With that rebate factored in you are now in effect paying $2.85 per gallon as opposed to $3. Not too bad of a deal is it? And oh yeah, it adds up.
Morgan Hamilton is a financial adviser that is an expert in the credit markets. To learn more about Gas Credit Cards you are encouraged to visit www.BestCreditQuote.com to review and compare the leading Gasoline Credit Cards
Shoulder Tattoos- Easy on the Eyes and on the Budget
On the list of your thing to consider before deciding to get a tattoo, the kind of tattoo to get will undoubtedly be at the top. But right behind it will be where on your body you want your tattoo positioned. The size and shape of your tattoo, of course, will eliminate a lot of your positioning options, but one of the most popular places for tattoos, for a variety of reasons, is the shoulder.
Shoulder tattoos date back thousands of years to the Pacific and African tribes who used them as a means of identifying an individuals tribe and rank within a tribe. hey were also used to commemorate battlefield accomplishments. There is even some thought that shoulder tattoos should represent whatever the wearer wants to carry through life, be it a relationship, a belief, or even a favorite flower.
Shoulder tattoos are great for those who want or need to cover their tattoos periodically, for work, school, or to keep a significant other happy. Unlike upper arm tattoos, shoulder tattoos dont require you to wear long sleeves in the middle of a heat wave in order to avoid offending people, and unlike back tattoos, they dont require you to go topless in order to show them off. A tank top is ideal.
If youre concerned about the level of physical discomfort associated with getting a tattoo, the pain is usually proportionate to the amount, or of lack of, padding on the area being tattooed. Shoulder tattoos are generally considered, after upper arm tattoos, the least painful.
Another advantage of shoulder tattoos is their longevity. One of the realities of getting tattooed is that the location of a tattoo correlates directly to the length of time it keeps its brightness and definition. The two most important factors you should consider in positioning your tattoo for a long and eye catching life are how much sunlight it will receive and how much bending it will have to endure.
The less sunlight and tanning your tattoo is forced to undergo, the better, because this sun is a notorious fader of tattoo ink And the less bending it experiences, the less likely its inks are to migrate, and cause blurring of its details. Having shoulder tattoos, however, does not excuse their wearers from protecting themselves with sunscreen.
Another advantage of shoulder tattoos is that, as well as being some of the longest lasting, they are some of the easiest to do, and therefore, some of the least expensive. Location has always played a part in the cost of a tattoo, because some parts of the body are simply harder to access and work on, and will require frequent touch-up work, which is usually free.
The biggest positive abut shoulder tattoos, however, is that the contours of the shoulder lent themselves to some truly stunning tattoos. Floral garlands; shooting stars; never ending Celtic knots and dragons; or abstract tribal designs; in fact, any tattoos to which youd like add a three dimensional look are all perfect ideas for shoulder tattoos!
Author: Matt Garrett - 2007 www.TopTattooDesign.Com
Discover how to avoid being the one in four who Hate thier new Tattoo, including simple Tattoo safety tips, in our your free Tattoo Guide : -
