It Pays to be Prepared

Having diabetes can change to life of person entirely. From the way one chooses the foods that he will eat to the way he lives his daily life, everything will change. For someone who doesn’t know much about diabetes there are a lot of webs sites, magazines, and books that can help you understand better of the nature of diabetes.

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The greatest problem for diabetics is not being able to access medication when emergency situations occur. That is why, it is important to always have an emergency kit at hand. To keep the medicines from expiring, use them from time to time and replace them with new refills. The emergency kit can include cold medications, antacids, cough syrup, test strips and insulin with syringes if you use one and blood glucose monitoring supplies. If you will purchase over the counter medicines, make sure to read the label before using it. If there is a warning that diabetic people should consult their doctor before using the product, then do so. If you have these emergency kits at home, try to also have it at work or at school.

It is also essential to include in the emergency kit your medical history, prescription medications and emergency contacts. To keep them from getting wet, keep them in a water proof bags. If you are using insulin keep extra syringes, glucagons emergency kit and urine ketone strips. A glucagon emergency kit consists of a syringe filled with liquid which must be mixed with a powder. This kit is only used in case of a Severe Hypoglycemic Emergency. Try also to keep the insulin in a cool place as much as possible to keep it from being damaged.

For people who got caught in the Katrina and Rita hurricane disaster, being prepared made the difference between life and death. And for people with diabetes, being prepared is important to their own personal safety and health. Hence, the best thing a diabetic person can do to prevent any problem with diabetes is to live a healthy lifestyle. It is important to eat healthy foods and have a regular exercise to keep blood pressures at normal and reduce the risk of heart disease and other serious conditions. And most importantly, have emergency kits close at hand at all times.

4 Features to Look for in an Airline Credit Card

Airline credit cards have steadily been gaining popularity in the past few years. Airlines and other companies related to the travel industry benefit as customers utilize their services more frequently; brand loyalty is strengthened as well. Consumers with a good credit history gain by obtaining greater value from their credit cards. Fundamentally, airline credit cards operate in a similar manner; purchases charged to the credit card earn travel points for the card holder, these points can be redeemed in various ways, for example contributing toward free travel, hotel stays, service at a car wash, etc. Four key features to consider while selecting an airline credit card are given below.

Low Interest Rate: The cost of credit is measured in terms of the annual percentage rate (APR). A good credit profile helps to obtain a low APR, i.e. prime + 4%. Most credit cards offer a “variable rate” plan in which the APR changes with certain economic indicators. The interest rates vary with the cards and are influenced by other offerings such as the grace period, annual fee, bonus points, etc. A card holder who does not carry a monthly balance need not really worry about interest rates; however, people who do carry their balances forward can select from a number of airline credit cards that charge a low interest rate. Some cards offer an introductory rate of 0% interest on balance transfers over a period of time, which is typically 12 months.

Preset spending limit: The spending limit in airline credit cards can vary from a few hundred dollars to thousands of dollars. The minimum monthly payment is liable to increase with higher spending limits. Some cards allow users to spend over the credit limit, the amount over the limit and the resulting penalty are settled in the subsequent month’s payment. Credit card bills can quickly balloon to unmanageable proportions. Therefore, inveterate spenders are well-advised to carefully consider the preset spending limit before settling on an airline credit card.                

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Compatibility with other frequent-flyer programs: It is important to check whether an airline credit card offers this feature; portability of miles points is desirable as it allows one the freedom to use the services of more than one airline for redeeming the points. By not being tied down to one airline, users have an increased number of destinations to choose from. Bank-sponsored airline credit cards offer greater compatibility with other frequent-flyer programs as compared to airline-sponsored credit cards that usually focus on a single airline.

Annual fees:  There are several airline credit cards that do not charge an annual fee. Non-airline credit cards that allow users to accumulate miles are usually fee-free. The purpose behind fees is to try and defray the costs of the free miles and other freebies. The average annual fee for airline credit cards is around $ 70. Frequent fliers stand to gain more by using cards that charge a fee because with these cards the airline miles benefits are more as compared to cards that are free. Moreover, if the card is used for business-related travel, the annual fee can also be tax deductible.

0% APR Credit Cards - What You Need to Know

0% APR credit cards are an appealing option for frequent shoppers that rely on having a low monthly interest rate when they cannot pay off the entire balance of the credit card in any month. But what you really need to know about 0% APR credit card offers, often times is never discussed.

For starters, the APR is the commonly-used acronym for "Annual Percentage Rate," which is the annual month-to-month rate that you can expect to get for your credit card balance. Naturally, if you frequently carry your credit card balance over from month-to-month, it is important for you to have a low or even 0% APR credit card.

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How it Works

Every credit card company makes money when shoppers use the card, but do not pay off the balance at the end of each month. Because the credit card company has lent shoppers money so that they can make their purchases, the credit card company will charge interest on the balance until the entire balance is paid off. The credit card company has the potential to make a generous profit from the balances of their customers each month. Naturally, as a consumer, having a 0% APR credit card means that your balance is carried over from month-to-month without any charges applied.

Beware of High Interest Rates

It may seem like credit cards actually lose money by investing in a 0% APR credit card promotion. However, the 0% APR credit cards actually help credit card companies find customers. For example, if there is a shopper that has a high APR (some are up to 20%) and he or she is having a hard time paying down the balance of the credit card, the purchaser is in an ideal situation to transfer their balance to a 0% APR credit card for a period in which they can focus on working down their debt. The situation is ideal for someone who is in short-term debt. However, to balance the 0% APR credit cards against the credit card company's need to make a profit, as soon as a trial period expires, many credit card companies will increase their rates drastically. As a consumer, you need to read the fine print so that you are aware of the deadlines associated with this change-over.

Where to Find a 0% APR Credit Card

It may seem harder than it really is to find a 0% APR credit card. It's advantageous to find a card that doesn't require you to pay a month-to-month rate on the unpaid balance. However, credit card companies frequently   enact 0% APR credit card promotional deals, so take a look around for what deals are available to you currently.

0% APR credit cards can make managing your debt very easy. While most of them do not require annual fees, it is important for you to understand what you are agreeing to before you sign a contact with a company. While most 0% APR credit cards eventually increase the rate after a set period of time, the duration of the promotional period varies by company. As with any credit card agreement, a little research and education into the details of a 0% APR credit card can go a long way towards helping you make a decision that can positively effect your finances. Choose wisely!

0% APR Credit Cards: Use Them To Your Advantage!

The era of 0% APR credit cards is still with us. Yes, you can obtain a spanking new credit card featuring a very low introductory interest rate and take advantage of what amounts to "free money" for you for up to one year. You can use your new card to your advantage, but you must be careful that you fully understand how a 0% APR credit card works to order to maximize its effectiveness. I will show you how, so please keep reading for all the informative details!

Soon after the new millennium started, interest rates began to drop to historically low levels. By 2002, loan rates for government funds dipped to just less than one percent, pushing consumer loan rates down with it as well. Credit card providers, seeing a terrific opportunity unfolding, immediately began to offer 0% APR credit cards to new card holders and even extended the offer to their current customers.

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Today, interest rates have been climbing for two years, but 0% APR credit card offers are still available to you. Quite frankly, the entire lending business is very competitive and credit card providers are willing to forego interest for up to twelve months in order to get your business.

To maximize the effectiveness of 0% APR credit cards, there are a few things that you must know:

Limited Time Offer. 0% APR credit cards contain an introductory period lasting typically from six to twelve months. This means that anything you charge during that time will not accumulate interest. Go ahead and spread out your payments over several months: If you purchase something for $1000, you can make four equal payments of $250 interest free. Keep earning interest on your savings and let the credit card company fund your purchase!

Transfer Balances and Save Big! Many 0% APR credit card offers will allow you to transfer balances from your existing credit cards to your new card and waive transfer fees. If you owe $3000 on your current credit cards and are paying 19% interest on your balances, you could save nearly $600 in interest payments over twelve month's time!

Pay On Time. Do not be lulled into thinking that a 0% APR credit card doesn't require monthly payments. If you miss a payment or are late, you could find that your remaining balance is subject to interest charges and penalties as your card shifts to a default rate. Pay on time or kiss your 0% APR credit card rate goodbye!

Pay It All Off. In some cases, you must pay off your balance before the introductory rate period expires. If you don't, the default rate kicks in. Make certain that you clearly understand your card's terms.

Clearly, a 0% APR credit card has strong advantages for the person seeking to make new purchases as well as someone who wants to transfer their balances. Use a 0% APR credit card to your advantage and put some money back in your pocket!

0% APR Credit Cards: How Can They Do That?

During the days when the federal bank interest rates were at its lowest, back in 2002 and 2003 to be specific, countless credit card providers offered 0% APR credit cards to many consumers. Needing only to pay the outstanding balance, smart consumers were able to charge up to their limits without incurring monthly interest charges. The question that some people were asking when these cards were at their peak of popularity was this: how do credit card providers make money off of this type of plan? Well, good question! Let’s examine 0% APR credit cards and the way they really work and if they are still available to you today. You just might be surprised at the answers!

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Annual Fees. Depending on the credit card provider, some card holders have been charged an annual fee for the privilege of having a 0% APR credit card. Annual fees for some of these cards generally run from $15 to $20, even higher.

Late Fees. You would think that if customers had a 0% APR credit card that they would always pay them on time, right? Well, many do not. So, every time a payment is received late credit card providers would assess a late fee. With fees ranging from $19 to $39, that can add up especially if someone is habitually late.

Default Rate. Oh, that 0% rate is nice on the surface. Read the “member’s agreement” and you will quickly learn that late payments will not only incur a fee, but a “default rate” would be charged bumping up the annual percentage rate to double digit figures on existing balances as well as on new charges! If you are late you can say, “bye, bye” to your 0% APR credit card in no time.

Short Term Offer. 0% APR credit cards are still offered today. Almost always they are cards for new card holders that offer a 0% rate for a limited period of time, such as twelve months, before a higher rate kicks in, which usually is around 12%. Some cards will allow you to transfer existing credit card balances over to the new card and receive the 0% rate on transferred balances. What a great way to cut your costs and save money too!

Don’t worry about credit card providers having difficulty making money even with low or 0% APR credit cards. Rates have since increased, in some cases dramatically, making it more difficult to find a low interest rate credit card. Still, great offers exist, but you must know where to find them. Searching online for your 0% APR credit card is a great way to quickly find and compare the best 0% APR offers available.

Copyright 2006 Ed Vegliante.

baby boomers 3

At first glance, many people would think that a baby boomer is just a simple thing played by a baby. However, they have eventually realized that this term refers to a group of people, particularly to a generation.

If we recall the tragic aftermath of the World War II, the basic statistics meet the criteria of having WWII as the greatest war in history when we speak of human and assets expended. During the post-war period, there were 1.7 billion people populating the Earth. After the war, three quarters of the world's population was added. The scientific development and technological advancement have made the war an unparalleled rage. Parts of the fighting fronts were the civilians, who suffered from malnutrition, disease, and often actual starvation, devastation of cities and towns, and awful injuries and death.

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Consequent to WWII, economic prosperity emerged. During that time, the birth rates augmented, making the growth of families over a certain interval of time such a significant figure recorded. The Babies born on that period, when birth rates were considerably raised, were termed as the Baby boomers.

After the Second World War, the bombed out cities and broken economies boosted the demands for goods and services in unmatched amounts. As a consequence, the Democracy Arsenal took control and started exporting merchandise and resources. America abounded the "free world" with commodities so that the economies will be reconstructed. This has amazingly led to a vital record of economic growth that continued until 1958. The economic success was associated with the better capability of each family to add more family members. Thus, the baby boomers were born.

The G.I. Bill allowed record persons to attend college and get hold of degrees, which has led to the improvement in education that granted higher family incomes, allowing them to have the assets to support more children.

According to Steve Gillo, Baby Boomers were of two categories in terms of years. The first is from 1945 to 1957 and the second from 1958 to 1963. Neil Howe and William Strauss on the other hand, took account of those conceived by on leave soldiers during the war. They set the generation of baby boomers from 1943 to 1960. They explained that those who were born between 1961 and 1964 had cultural and political patterns that are so different from those born between 1955 and 1960. This fit into what writers termed as the 13th Generation or Generation X.

The 13th Generation was known as the Cold War generation, which was estimated to include 79 million children including those born between 1961 and 1981. Since the authority of Strauss and Howe dominated, several people still believed that the 1961 babies were also Baby Boomers.  This is because of many significant Gen-X figures of birth in 1964. However, since the number of births did not turn down in 1965, then 1964 is not the ending year of generation X.

Controversy over dating and naming the boomers will be explained by considering that the 1946-64 boomer years is too long for one cultural generation. It may however mark a period of increased births.

It is in a world quasi-dominated by American Military might where the Baby Boomers grew up. It was where the enemies were referred to as the communists and socialists. This was all the way through the cold war from when researchers are lead to the current computer age. Also, the generation has already matured for the rural and urban crowding.

Would you imagine that famous groups like The Motown Sound, The Beats and Hippies, and The Beatles belong to the generation of the baby boomers? Baby boomers these days make up the lion's share for political, industrial, cultural and academic leadership class in the United States.

Bill Clinton and George W. Bush were the first and second Baby Boomer presidents. They were born in 1946 having an age gap of just sixty days. Their professions exemplify the wide range of principles and attitudes advocated by the largest American generational group to date.

Baby boomers or not, people would remain people. Nothing really matters about being included in a certain generation which has made history. Furthermore, there may be just one exciting record which baby boomers may be proud of, which is being in the Guinness book of world records!

Bank Secured Credit Cards

Even though there are many types of credit cards out there for consumers, there are few for those with bad credit.  Those who are looking to repair their credit have a few options available, one of which is the bank secured credit card.  This credit card can help you to repair your credit, as it works in conjunction with your savings or checking account.

Bank secured credit cards look and work just like traditional credit cards, although they use your bank account as collateral.  Anytime you aren’t able to pay your credit card bill at the due date, the bank will take the money out of your account.  This way, there is always money there for the bank, in the event that you are unable to make your payment.

Bank secured credit cards are also ideal for those who have a bankruptcy or simply don’t qualify for a line of credit due to bad credit or no credit history.  These credit cards show your bank that you are able to pay your monthly dues, and that you are taking the necessary steps in rebuilding or building your credit.  Over time, if you remain responsible and pay your bill on time, your bank may give you an unsecured line of credit - known as a standard credit card with no collateral.

Due to the fact that bank secured credit cards only allow you to spend what have in your account, you don’t need to worry about debt.  When you can’t make a payment, the bank simply takes the money out of your account.  Although this is a great back up plan, you should always pay your bill and never let this happen.

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Just like other credit cards, bank secured credit cards do have disadvantages that can hit you like a ton of bricks should you use the card irresponsibly.  Anytime you don’t pay your bill on time, the bank can hit you with high interest charges and late charges.  These charges and fees can get higher and higher if you don’t start paying your bill, which can eventually cause you to drain your account that you set aside.  If you pay your bill on time though, you won’t have to worry about being hit with these types of charges.

For those who have bad credit or need to start building credit, a bank secured credit card is a great place to start.  These cards can lead you to an unsecured credit card, providing you pay your bill on time.  Almost all banks offer these credit cards, all you have to do is ask.  Once you have kept your credit card in good standing for a period of time - you’ll have the satisfaction in knowing that you are taking the right steps in rebuilding your credit.

American Express Credit Cards

Also known as AMEX, American Express is easily one of the most recognized names in the world of credit cards.  Even though many people have Visa or MasterCard credit cards, they are still interested in AMEX.  With Visa, MasterCard, and AMEX being the most popular and preferred types of credit cards, they are all great although there are also differences between them as well.

Both Visa and MasterCard are methods of payment.  Both will allow different businesses to accept credit card payments using their systems.  Neither of the two issue credit cards on their own behalf, instead they rely on banks throughout the world to issue the credit cards for them, provide the credit, and then charge the interest.  Your credit card bill goes to the bank, as Visa or MasterCard doesn’t see any of it.

AMEX on the other hand, is very different.  American Express has their own payment system, and they also issue their credit cards directly to consumers.  Unlike Visa and MasterCard, AMEX runs the entire show.  Therefore, when a credit card says American Express on it, you instantly know who has issued the card, what payment system it has, and everything else you would need to know.

Even though MasterCard and Visa are used more throughout the world, American Express is always expanding their networks.  Visa and MasterCard are used in over twenty five million locations over the world, including third world countries, which makes them global credit card payments.  AMEX on the other hand, doesn’t quite reach this degree.  It is a great credit card, although it isn’t used around the world in areas where the other 2 dominant credit cards are.

You can get AMEX credit cards with rewards, although you’ll need to be careful where you look and what you select.  Normally, with Visa and MasterCard, you’ll have to look at hundreds of banks before you can find the best choice.  With AMEX, you can look at their website and find out what they offer and what type of APR you’ll have to pay.  Most of the time, you can find a credit card with low interest and a great spending limit - providing you have good credit.

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AMEX also has several advantages that it offers customers in North America and Europe.  The credit card is accepted widely in both areas, offering you credit cards with great features and very attractive looks.  AMEX offers you great rates, good rewards, and excellent customer service as well.

American Express also offers you Blue, which is a newly introduced credit card that offers you increased security, no annual fee, and 0% APR for the first year or so.  Depending on your credit, you may be able to get an extended period with no interest.  After that time has expired, you pay low fees, which makes it a great credit card for anyone looking for a deal.  Blue is the newest card from AMEX, and will rapidly become one of the best - due to it’s amazing features.

In the world of credit cards, American Express is one of the best.  They offer you a variety of different credit cards, designed to meet just about everyone’s needs.  You find them online or through a local provider, although online is the preferred way to go.  Simply fill out your application, and if you have good credit, you’ll be approved.  Before you know it, you’ll have a credit card from AMEX - and be ready to experience life in the fast lane.