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Once you begin to get credit, it is something that you need to handle with care. By making poor financial decisions, or not handling your finances carefully, it can put you into debt rather quickly. It is much easier to get into debt than it is to get out of it - as many Americans are now finding out. For that reason alone, you should make a deliberate effort to avoid ever going into needless debt. One simple way to end up in financial trouble is to not take to notice of where your monthly income is going.

Credit is a privilege - as your credit card lenders will quickly tell you. They are happy to give it, but you will pay when you misuse it. They do, however, reward people with good credit. If you have good credit scores, you can usually enjoy lower interest rates and more benefits.

1. Shop Around For The Best Rates

Interest rates are what determine how much you actually are paying for the privilege of having credit given to you. Lenders charge different interest rates and you can often find a better deal if you shop around for it. You can save a lot of money in the long run simply by getting that lower interest rate and watching out for other fees that may be attached to that loan or card.

2. Don't Get More Than You Need

Lenders know that when someone has a lot of credit that he or she may be tempted to use it. Having too much credit can hurt you if you are trying to get a loan or a new credit card. Since the lender wants to make sure that you are able to pay them back, it will help you get you want by not having too much. They will know how much you have available simply by looking at your credit report.

This percentage has been determined by lenders to be the maximum amount of credit that they believe an individual can handle. Having more than this means, they believe, that you will probably be getting into debt soon.

3. Charge Only When Necessary

When you take little 6-year old Johnny into the store with you and he wants something that he sees real badly - even he can use those famous words - "Just charge it, Mom." A child has seen you do it - but he or she really has no understanding of how to control it - or that you have to pay it back.

The best way for you to control your credit is either not to charge unless you have to, or be sure to pay off the whole bill when it comes in each month. This will keep you from racking up interest charges and late fees.

4. Pay Back As Quickly As Possible

Lenders watch carefully how you handle your monthly payments, and this helps to determine your credit score. If you are continually late with your payments, your score will drop, and make it tough to borrow in the future. Making your payments on time can actually raise your score, and help you to save money in the long run.

Brady McCarville is the webmaster of a financial community that teaches people about investing money. Go there to find helpful tools, ask questions in the financial forums, read articles, and increase your financial knowledge.

# posted by cgocbjeg : 6:40 PM  0 comments

Americans consume between two to three pounds of sugar every week. The sugar is being processed in so many foods we eat. These foods are not just sweets. Sugar in large quantities can be found in peanut butter, mayonnaise, bread, ketchup and many other categorically non-sweets products.

Now lets get to the question: Why is Refined Sugar bad for you?

Refined Sugar is bad for you because it raises the insulin level in your blood.

Raised blood insulin levels depress the immune system. If your immune system is depressed then your ability to fight disease is weakened.

Raised blood insulin levels can cause weight gain. Insulin promotes the storage of fat; so, when you eat foods high in refined sugar, you increase fat storage. Obviously, the result is rapid weight gain.

Refined Sugar contains no vitamins or minerals so in order for sugar to be metabolized it must draw on the bodys reserve of vitamins and minerals. When these reserves are depleted, metabolization of cholesterol and fatty acid is impeded, contributing to higher blood serum triglycerides, cholesterol, promoting obesity due to higher fatty acid storage around organs.

In summary here are ways that refined sugar can affect your health:
Sugar can suppress the immune system.
Sugar can upset the body's mineral balance.
Sugar can contribute to hyperactivity, anxiety, depression, concentration difficulties, and crankiness in children.
Sugar can produce a significant rise in triglycerides.
Sugar can cause drowsiness and decreased activity in children.
Sugar can reduce helpful high density cholesterol (HDLs).
Sugar can promote an elevation of harmful cholesterol (LDLs).
Sugar can cause hypoglycemia.
Sugar contributes to a weakened defense against bacterial infection.
Sugar can cause kidney damage.
Sugar can increase the risk of coronary heart disease.
Sugar may lead to chromium deficiency.
Sugar can cause copper deficiency.
Sugar interferes with absorption of calcium and magnesium.
Sugar can increase fasting levels of blood glucose.
Sugar can promote tooth decay.
Sugar can produce an acidic stomach.
Sugar can raise adrenaline levels in children.
Sugar can lead to periodontal disease.
Sugar can speed the aging process, causing wrinkles and grey hair.
Sugar can increase total cholesterol.
Sugar can contribute to weight gain and obesity.
High intake of sugar increases the risk of Crohn's disease and ulcerative colitis.
Sugar can contribute to diabetes.
Sugar can contribute to osteoporosis.
Sugar can cause a decrease in insulin sensitivity.
Sugar leads to decreased glucose tolerance.
Sugar can cause cardiovascular disease.
Sugar can increase systolic blood pressure.
Sugar causes food allergies.
Sugar can cause free radical formation in the bloodstream.
Sugar can cause toxemia during pregnancy.
Sugar can contribute to eczema in children.
Sugar can overstress the pancreas, causing damage.
Sugar can cause atherosclerosis.
Sugar can compromise the lining of the capillaries.
Sugar can cause liver cells to divide, increasing the size of the liver.
Sugar can increase the amount of fat in the liver.
Sugar can increase kidney size and produce pathological changes in the kidney.
Sugar can cause depression.
Sugar can increase the body's fluid retention.
Sugar can cause hormonal imbalance.
Sugar can cause hypertension.
Sugar can cause headaches, including migraines.
Sugar can cause an increase in delat, alpha and theta brain waves, which can alter the mind's ability to think clearly.
Sugar can increase blood platelet adhesiveness which increases risk of blood clots and strokes.
Sugar can increase insulin responses in those consuming high-sugar diets compared to low sugar diets.
Sugar increases bacterial fermentation in the colon.

Bullet List Source: www.nancyappleton.com

Olan Butler is the Chief Architect of BHO Technologists, a computer productivity & organization software provider http://www.bhotechnologists.com with headquarters in Kansas City. Join his FREE newsletter "Computing Success Secrets" at http://computing.bhotechnologists.com for a steady stream of computer, health and overall life profiting tips. You'll be glad you did! Olan believes poor health produces poor computing.

# posted by cgocbjeg : 4:10 PM  0 comments