In many countries around the world, youngsters receive a credit card from their parents at an early age. As a result, most learn the responsibilities inherent to having a near unlimited source of funds, for a while at least.

Although many students receive credit card offers while still in high school, most students wait until college until they get their first student credit cards, in their name. Student credit cards give them a highly convenient way of making purchases; however, this is also a time of increased responsibility as those young adults start their first endeavor into money management on their own.

Students are counseled to be careful when using their student credit card. This is the time they begin to build their credit report. The credit report stays with the individual throughout his/her life and becomes significant when they start needing money to buy a house or a car. It is very easy to abuse credit while in college. It’s expensive being a college student these days and some find it hard to keep track of bills and pay them on time.

Even with the chance of abuse, a student credit card is convenient. Its use teaches the holder better money management skills. It can also help with building a solid credit score. Students avoid carrying much cash. Most student credit cards offer protection in case the card gets stolen or lost.

There is much choice for students when it comes to selecting a card. The first thing when choosing a student credit card is to find one with a low APR.

Many student credit cards will even allow the owner to accumulate points from their purchases which can be redeemed for DVDs, books, CDs and even cash rewards.

Student Credit Cards.com approach to securing your credit card is easy and intuitive. The company presents informative articles and a selection of credit cards for college students.. When you are ready to apply for a credit card, take your time, compare credit card offers and learn the basics of good spending habits. Only then should you apply for a student credit card.

Divide The Ride is a new and unique Internet-based service that provides parents with a free, secure and easy way to create carpools with families they know and trust. Using proprietary web-based technology, the site helps busy parents by creating carpool calendars based on parents’ schedules and their ability drive the youngsters to their school, sporting and social events.

The site is unique in that it allows users to create a schedule of driving assignments based upon each parent’s individual needs. The calendar is then emailed to everyone registered to the group. Each e-mailing includes a text message and an email reminder.

Now that gas prices are at an all time high, more than 50% of parents polled have expressed a desire to be more “green” in their lifestyle. But irregardless of the conservation benefits, $4.00 per gallon gasoline is having a profound and often detrimental effect on how we parents will be able to give our children the lifestyle advantages they deserve.

Furthermore, individuals who carpool save substantial amounts on gas and maintenance costs. On the average, carpooling just one day a week for a year can save the typical driver about 1,200 miles of use on their vehicle and hundreds of dollars in total driving costs.

Divide The Ride is a free service and all information is safe and secure. But don’t just believe us, click here to read testimonials from users all across the United States.

Laurel Springs is in the high country of beautiful Alleghany County, near the Eastern Continental Divide and between the towns of Jefferson and Sparta on Highway 18 near the Blue Ridge Parkway,

At over 3,000 feet elevation, this community is famous for it’s abundance of North Carolina Christmas Tree farms. Laurel Springs is a vacation and retirement paradise with motorcycle riding, hiking, canoeing, fishing, swimming, mountain biking, horseback riding, skiing, golf and much more.

With both the the New River and Mt. Jefferson State Parks nearby, visitors to Laurel Springs come to experience cool summer breezes, spectacular mountain scenery and outdoor recreation.

Contact Elizabeth Carter, 336.973.5594 or Greg Stikeleather, Broker, 704.880.5247 or email eacarter@charter.net

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We are looking for game reviewers interested in Apple iPhone apps and games. This is a great opportunity to put your video game knowledge to use. Our style will be most akin to gamestop/iGN sites. We would like at least 1-2 game reviews per month.

Our site, Best Apple Apps will be the premiere destination for iPhone application content. Payment is negotiable. We can pay via project or per word.

Please email resume and/or professional experience.

* Location: Anywhere
* Telecommuting is ok.
* This is a contract job. Read more »

After a hard day of working at the computer, what with the eye, neck and back strain, nothing relaxes me more than a long soak in my whirlpool bath. For many years, I considered a whirlpool beyond my reach, financially. However now, with new manufacturing techniques, and with widespread acceptance of these baths, the cost of whirlpool baths are within reach of many more consumers.

Whirlpool baths are no longer a luxury and an integral part of many modern bathroom suites. They are becoming common place in bathrooms throughout the world as people begin to realize the physical and mental benefits of hydrotherapy. The recuperative and healing properties of hydrotherapy are based on mechanical and/or thermal effects afforded by near-total body immersion. This medically accepted treatment exploits the body’s reaction to hot stimuli. With the application of heat and the pressure exerted by the water, the therapeutic sensation it gives is transmitted by the nerve endings throughout the body.

These impulses prove effective deep into the body and are instrumental in stimulating the immune system, minimizing the production of stress hormones, renewing circulation, aiding digestion, encouraging blood flow, and lessening a person’s pain sensations.

The employees of Better Bathrooms consult with the most technologically advanced whirlpool manufacturers to bring their customers the whirlpool baths they want, with the best features and at a price they can afford. Their units feature

* A 5 Year On-Site Manufacturer’s Guarantee
* 6, 8 or 11 Whirlpool Jets
* Air Spa or Hydrotherapy Systems Capability
* Optional Chromotherapy or Halogen Lights
* Pump Protection and Electronic Circuit Breakers Options

Contact Better Bathrooms today for more information on what will be a valuable addition for your home, condo or apartment.

The Jacob’s Ridge community features 5 lots on W. Kerr Scott Dam & Reservoir. All lots are lakefront and have access to public water, saving owners from $5,000 to $10,000 on drilling a well.

The entire development also features underground utilities. The lots are clustered around a “dead-end” cul-de-sac on a private road. Currently, the owner is offering $10,000 cash rebate to buyer!

Driving directions are 421 North from Wilkesboro NC towards Boone, turn left on South Recreation Rd., then right on Rocky Point Rd. Look for the sign at Nicole Ln., then turn right on Jacob’s Way.

W. Kerr Scott Lake is 1500 acres with 50 miles of shoreline and is controlled by the US Army Corps of Engineers. It is clean water with good fishing and is excellent for boating, kayaking, skiing, and swimming. The property is surrounded by National Parks. Wilkesboro NC is a beautiful community and town with friendly people. It is located just 40 miles east of Boone NC and Blowing Rock NC and one and a half hours northwest of Charlotte.

Contact Elizabeth Carter, 336.973.5594 or Greg Stikeleather, Broker, 704.880.5247 or email eacarter@charter.net

click here for more information

search for : Jacob’s Ridge, W. Kerr Scott Dam & Reservoir, W. Kerr Scott Lake, Wilkesboro NC, Boone NC, Blowing Rock NC

GPS Vehicle Tracking Units have increased in reliability and decreased in cost over the past few years.

Formerly only affordable by the trucking and transport industry, GPS technology is now available at attractive prices for personal and small business use. GPS vehicle tracking is proven to increase productivity, safety and security.

The GPS tracking devices receive signals from twenty-four Department of Defense GPS satellites which orbit the earth. The devices’ internal computers accurately maps the GPS location of the device to within an accuracy of 2.5 meters, sampling and recording the data every second. The stored data can then be downloaded and viewed in Google Earth. In the case of the GPS Tracking Key, operation is as simple as plugging the Tracking Key into the USB port of a computer.

Vehicle-Tracking.com provides high quality and affordable GPS tracking devices for most all applications. And, the company offers the most complete mapping software combined with their own, patented GPS receivers. Bundling the software and hardware gives their customers a quality product they can be depended on for many years.

The advantages to purchasing the hardware devices and the mapping software from one vendor are the high quality, low cost and no monthly subscription fee for most tracking units. For many customers, unmarked units are available to provide the highest level of confidentiality and discretion.

All vehicle tracking systems by LandAirSea go through extensive engineering and testing, both in the lab and in the field. These GPS tracking systems are used daily by thousands of civilians as well as by government and law enforcement agencies. LandAirSea Systems, Inc is the premier provider of GPS tracking systems in the surveillance technology industry.

Browse their website to learn why Vehicle-Tracking.com is quickly becoming the fastest growing GPS vehicle tracking company in the world.

Financial experts generally agree that it’s important for folks to build an emergency fund equal to 3 to 6 months of living expenses. The savings needs to be in a money market fund or simple passbook savings account at your local bank. Ease of accessibility is key to getting at the money fast, as financial emergencies in life do occur.

Your emergency fund can be built with enough savings and a combination of cash and credit if you have a source of low-cost borrowing (home equity credit-line loan, cash-value life insurance, or a loan from you retirement plan). Borrowing from your own assets is always a better way to generate some cash than borrowing from someone else — family members, friends, or co-workers. But if you find you must take out a loan, using a home equity line of credit is one of the better ways to get access to quick cash. Essentially, you’re borrowing against any equity you’ve built up in your house.

But, what if you have no source of lending at low rates? Consumers that qualify for installment loans from Think Cash benefit from their convenient payment options. Plus, unlike Payday loans, these loans can be paid in several installments or paid off completely at any time with no penalties.

For many folks, particularly those who need bad credit loans, companies like Think Cash offer lending rates that may be the lowest available from any consumer credit company. ThinkCash is a short term, personal loan company that lends directly to applicants loan amounts from $250 to $2,500. Of course, these funds can be used for emergency times like when the bills have to be paid or to avoid a non-sufficient funds check from impacting a person’s credit.

With banks, consumer loan companies, or payday lenders consumers complain that they have to provide a number of documents — bank statements, phone bills or paycheck stubs. Some lenders that claim to be “faxless” require loan applicants to fax the documents for verification, an aggravating and expensive condition just for seeing if the loan might be approved.

Using a convenient and easy to use on-line “Think Cash” application, prospective borrowers quickly apply for loans without trips to a bank or consumer credit agency. Soon after completing the form online, the money is often wired to the applicant by the next business day. This application is 100% secure and confidential. You can get the cash you need without the hassle of paperwork, faxing, or waiting in line.

Think Cash truly offers consumers an inexpensive and convenient source for emergency cash. Visit Think Cash today and see for yourself just how easy loan process can be.

Founded in 2005, Tiga Dua Cellular sells online high technology products worldwide. Since the company imports more than 500 high-tech products, they are able to offer a wide variety of PDA, smart phones, GPS devices, digital cameras and MP3 players, just to name a few categories of products.

Tiga Dua Cellular harnesses the power of the Internet to provide a new experience in the purchase of these high technology devices. With the use of their convenient and well thought out website design, consumers are able to find devices of their choosing with record speed.

The mission of the company is to allow viewer a pleasurable and rewarding buying experience while purchasing products at the best prices. Plus, Tiga Dua Cellular aims to set the standard in great service for the global computer and cell phone market. The company owners have set the goal to be the Number One firm for customer service globally. Their guarantee is that you will have a convenient, hassle-free and rewarding buying experience.

WEST JEFFERSON NC MOUNTAIN PROPERTY

87.5 +/- Acres Available For Residential Subdivision Mountain Development, 7 miles from West Jefferson, NC

Paved Road and Bridge Built To State Specifications.

Average of $23,000 per acre.

This Property Should Retail For Approximately $50,000 to $60,000 per acre.

ALL PROPERTY HAS LONG RANGE MOUNTAIN VIEWS

Contact Greg Stikeleather, Broker, 704.880.5247

or

email Greg at grstike@charter.net

click here for more information

There’s hardly a problem that is any more difficult than trying to buy a new or used car when an individual has bad credit. The prospective buyer is branded with “bad credit” when his or her credit report indicates a low credit score. The personal credit history is crucial and decisive in obtaining a personal loan.

Unfortunately, bad credit defines an individual as a high-risk borrower and that person more likely to default in the loan repayment. While this may seem unfair, it’s still not impossible to get a bad credit car loan. These days, largely because of the home loan mortgage crisis, financial institutions are increasingly becoming inflexible about personal loan approval for a person with bad credit.

Many people who apply for an auto loan make the mistake of jumping straight into the loan process. Those folks do not plan well and the result is sometimes a loan which fosters delayed or lapsed payments, high interest rates and high processing fees. The loan is sometimes more expensive than what they had bargained for. Therefore, it is extremely important that you plan things out. For people with a bad credit history, it’s already a problem affording the monthly payment on the vehicle. But lack of proper planning always makes matters worse. The importance of picking a lender is therefore paramount in the application process, making Basic Car Loans a valuable resource in the selection process.

Apply today for a Bad Credit Car Loan with low interest rates and flexible terms. There is no fee for applying online, and your are under no obligation to accept the bad credit car loans that may be offered to you.

Vacation property, an investment for retirement or a permanent residence, this Lake James waterfront home may be your dream property.

The beautiful water front home is located in a private community with spectacular views of the Blue Ridge Mountains. It has a double deck boat dock, an enclosed boat garage and a private ramp to launch your own watercraft. The home was built originally in 1972 and totally renovated in 2002. A four car detached garage was built in 2002.

There is a total of 264 ft. of water front. Beautiful three tier sea walls accent this elegant home. Hard wood and tile floors, modern appliances and vaulted ceilings are only a few of the amenities that capture you with this home.

Private dock permit.

List Price: $1,800,000
Flexibility: Willing to finance
Acreage: .75 acres
Type: Waterfront

Floors: 2
Bedrooms: 4
Bathrooms: 4
Sq. Footage: 3700
Garage Size: 4.0
Year Built: 1972, totally renovated in 2002
School District: Nebo

Suitable Use: Residential

Topography: Rolling
Road Frontage: Private Road
Location: Lake James, Burke County, NC

Amenities: Waterfront, Fireplace, Central AC, Alarm, Wood Floors, Gas Range, Patio, Wheelchair Accessible, Nature/Bike Paths, Boating, Controlled Access, Spa/Jacuzzi

click here for more information

search for : Lake James waterfront home, Blue Ridge Mountains, Lake James, Burke County, NC

A structured settlement is a financial arrangement that an individual or individuals accepts to resolve a statutory payment obligation. First utilized in Canada and the United States during the 1970s, lump sum structured settlements are now part of the law of several common law countries including Australia, Canada, England and the United States.

Many individuals holding certain types of assets, such as lottery winnings and structured settlements have an immediate need for a lump sum payment instead of being paid over a number of years. Often, recipients of structured settlements have entered into their agreements month or years in the past.

Many times a structured settlement is the result of a personal injury suit. Those with personal injuries often need the money now. Others have new, unanticipated financial needs and must have the cash to meet their obligations. Or, as the recipient of a settlement, you may want to pay off debts, buy a house, provide for your child’s education, invest in a business or simply take a vacation after your many years of hard work.

Stone Street Capital offers lump sum, up-front cash for the value of future payments. Choosing the cash option for structured settlements allows others to trade in their future payments for money quickly and with a minimum of effort.

Many people ask Stone Street Capital “how much of a lump sum payment can you make?” Their answer is that “the sky is the limit!” They have originated over $1 billion in lump sum payments over the almost 20 year of participating in this form of financial settlements. They have vast financial resources available to them for just this purpose. Contact them today at 1-800-LUMP-SUM (800-586-7786) to find out how much immediate cash you can get for your future payments.

Beautiful Wilkes County NC Timber Frame Home and Mountain Property.

MLS Number: 51166, List Price: $898,500

2 Bedrooms, 2 Baths, 2 half baths, 2 car attached garage, full basement, and a barn on 5 acres of land.

These terms are used to describe thousands of homes and yet some things just can’t be described, they have to be experienced. This is one of those homes that really has to be seen to be appreciated.

This majestic Timber Frame home of the Bob Timberlake genre is not just another house, it provides a feeling of home that is not about walls and floors and windows and doors. It creates a feeling of the flow between your outdoor and your indoor environment that is seamless. Everywhere you look there is a view. Everything you touch feels natural and beautiful in a way that cannot be described, only owned.

Contact Elizabeth Carter, 336.973.5594 or Greg Stikeleather, Broker, 704.880.5247 or email eacarter@charter.net

click here for more information

As work at home moms, one aspect of success that we have over most of those who work a nine to five job is our experience with properly handling our finances. Without a doubt, the best investment we can ever make is to take the time to truly understand just how our finances work. Too many people are much more interested in the next “get rich quick” scheme. Those same folks just spin their wheels trying to find a short-cut to real wealth.

I just finished reading the book shown in this post. It’s another book in the popular Rich Dad Poor Dad series by author Robert T. Kiyosaki. In a extremely readable fashion, the author develops his five key principles of financial intelligence. Kiyosaki provides real insights on these key steps to wealth:

• How to increase your money — how to assess what you’re really worth now, what your prospects are, and how to start mapping out your financial future.
• How to protect your money — for better or for worse, taxes are a way of life. Kiyosaki shows you that “it’s not what you make….it’s what you keep.”
• How to budget your money — everybody wants to live large, but you have to learn how to live within your budget. Kiyosaki shows you how you can.
• How to leverage your money — as you build your financial IQ, knowing how to put your money to work for you is a crucial step.
• How to improve your financial information — Kiyosaki shows you how to accelerate your wealth as you learn more and more.

To that, I add the following:

• Establish a full emergency savings account fund of at least 3 to 6 months of expenses to cover the financial anomalies that we cannot anticipate. If we do not have this emergency fund in place and a large unexpected expense comes up we could be forced to put it on a credit card, at an exorbitant interest rate.
• Prepare a personal budget. This is my most important recommendation. Unfortunately, most people don’t even make this the first step of starting their personal budget. You cannot hope to succeed with financial management if you do not first try to understand your monthly expenses.
• Never purchase a new, capital asset on credit. Articles like appliances, furniture, automobiles and boats reduce in value as soon as you purchase them, but the payments continue for the life of the loan. And, the value usually continues to decline long after the asset’s life has ceased. In addition, the cost of interest is also added to the total cost of the item. Rather than financing the purchase, save for those items by putting aside some funds each payday. Make do with what you have and plan for the future.