Continental Finance Credit Card - Review

By Dan Moskel

The Continental Finance MasterCard is a sub prime unsecured credit card. This means it is a card that was created for individuals with a bad credit rating.

This card has an initial credit limit of $300. With semi-annual credit limit increases up to a maximum limit of $2000.

You account will be reported monthly to all three credit bureaus. This will give you an opportunity to rebuild your credit score.

This card can help your score because it will improve your ratio of credit to debt. In addition by paying your monthly bill you will create a positive payment history.

These two factors have a tremendous impact on your credit score. It is still important to remove bad credit items from your credit reports.

Your card is unsecured and that means that you do not have to put any money down to be extended this credit line. However you will be charged an annual fee, unfortunately with a damaged score every card that is available will have some fees.

It does offer 9.75% APR, which is well below the standard 19% APR that most sub prime credit cards offer. It is accepted at millions of locations worldwide.

There is an easy approval process, and can be used by people with a bankruptcy on their credit history. You will get the results of your application with seconds of completing it online.

The card is issued by The First Bank of Delaware. This bank has been a leader in sub prime lending for years.

You will also have online account access with your card. You will be responsible to keep your balance below your credit limit and to pay your monthly bill just like any card.

Your other option for a credit card with a damaged credit score is a secured card. However this card is reported as a secured line of credit to the bureaus which will help your score but not as much as an unsecured account.

You also can qualify for a shopping card. We do not suggest these cards because they often come with large fees and only report to one credit bureau.

In sum we do suggest the Continental Finance Card to anyone looking for a second chance with credit. You can use this card to re-establish your credit score and build positive credit because it will improve your ratio of debit to available credit and can create a positive payment history.

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For more about the Continental Finance Credit Card or for a review of a suggested secured card the Orchard Bank Card visit us.

Information On Medical Malpractice Topics

By Chris Channing

Medical malpractice is an important subject to keep up on- especially for patients undergoing surgery or even those who already have. Should a patient discover a physician has given improper medication or has otherwise made an accident that caused problems, the patient can seek a reward.

Physicians get paid top dollar to do their job correctly, since if they even have on accident, they can end up costing a patient their very life. This is why things such as malpractice penalties exist- to give patients money they need to cope with the strain of the effects of the act, and to punish physicians who are prone to accidents.

The good news for most patients is that physicians will have what is called medical malpractice insurance- meaning they can be sued and won't have to put up the world's best legal defense to save their employment status. Indeed, medical malpractice insurance can cost upwards of $100,000 or more for physicians, who are all but too happy to have a little comfort in the benefit of insurance.

Once some patients take a look at how much a medical malpractice attorney charges, they will give second thought in hiring one. However, representing one's self is poor idea due to lack of experience, and normal lawyers may not have the necessary experience to argue a proper case in medical malpractice. In this case, it's best to bite the bullet and hope for the best.

Most rewards in the medical malpractice area are going to be quite large. In that case, attorneys usually charge quite a bit in obtaining their clients the sum. This is another topic to keep in mind when considering whether or not to opt for a medical malpractice attorney. After all, a medical malpractice attorney is key inf being able to present a solid case and getting the jury to side with the sentiments of the victim.

When opting for a medical malpractice attorney, do go ahead and research several attorneys in one's area. The most inexpensive attorney isn't always the best choice, since not winning the court case will mean the patient doesn't get the money reward, and on top of that they have legal fees to pay. Clients are encouraged to go for a firm that is reputed first, and worry about financing later- since it can cost a win for the client.

Closing Comments

One may also consider settling out of court, although that may lead to a smaller reward. Whatever the case, be sure to make an informed decision so as to make the best of an unfortunate situation.

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Learn more on Product Liability Lawsuits and Construction Site Injury Accident Lawyers.

Fraudulent Credit Card Use

By William Blake

Almost everyone uses credit cards and are susceptible to credit card fraud. It is so prevalent today because it is so easy to do. Personal information can be obtained so easily in a variety of ways. That is why identity theft is so common. Once a person has your personal information all that is needed is mal intent and a bit of ingenuity and you have credit card fraud.

How People Can Use Your Credit Card

If you are someone that uses your credit card on a day-to-day basis, could you name everyone one that you handed that card to? Anyone who has access to your credit card numbers can try to perform credit card fraud. This is scary but something that we should take very seriously. Make sure that you are careful with your receipts. Always tear or shred up any papers that have your credit card numbers on them before you throw them away. Never give out your information over the phone or to anyone that you do not know or your are unsure of. You do not have to feel obligated no matter how hard someone tries to make you give out the information.

Be Aware of What's Happening with Your Credit Card

You should your credit card statement on a regular basis. If there is anything out of the ordinary call the company and inquire about it. You want to be aware of what is happening with your credit card at all times so that you can stop any fraudulent use quickly.

Get the Protection on Your Card

Most credit card services offer a fraud protection plan. This plan may cost you a few extra dollars a year, but it worth it even if you never need to use it. This protection will keep you safe from having to pay any money back that has been stolen. This means that if someone has been using your card, you are not responsible for this debt. This is a great plan to get and one that anyone who has a credit card should invest in.

What Happens if You Loose a Credit Card?

If you lost or misplaced your credit card, make sure that you report it as soon as possible. Even if you think that you lost it in your house or car, it does not matter. Odds are that you did, but there is a chance that you lost it somewhere else and you never know who may find it. If you report it missing, they can suspend your card until you find it or cancel it if you do not. It is not a big hassle and worth it in the end.

About the Author:

Are you thinking of trying to lower your monthly payments by negotiating credit card debt yourself? Be sure to visit the Debtopedia website at http://www.debtopedia.com to get some helpful tips first.

Teenagers and Checking Accounts

By William Blake

The rather demanding social lives that most teenagers lead require money to be kept up. Once teens start earning their own money at a job, many parents are concerned about how to ensure that their money will be well spent. This might be the right time to get them a checking account.

Children will develop their own financial habits as a result of observing how their parents handle their money. Even though many people think that thirteen or fourteen is too early to open a checking account for a teenager, they need to be able to develop good financial habits before they leave the house for a college dorm. They need financial guidance before they go out on their own.

While children can still be influenced by their parents is the time to help them make good choices regarding their money. Once they are ready, slowly introduce them to the financial world by getting them a checking account.

The money that teenagers earn at summer or after school jobs can be managed by means of a checking account. Before they even start to work, it would be wise for parents to sit their teens down and discuss some important financial details with them, always emphasizing the importance of not spending everything that they earn.

Teenagers can learn to control their spending while also learning to save money by splitting up their income between a checking and savings account. Help them to see the reason why they save money by discussing with them what they would like to spend it on. That way they will have a goal in mind.

A checking account sets limits on your teen that are imposed by someone other than you. A checking account is funded by the money that is put into it. Teens will learn that if the well runs dry, they have to wait until the next pay period to get more. That is how parents have to deal with money and now they will learn too.

A debit card associated with the checking account makes transactions easier. Since the card carries a MasterCard or Visa logo, it can also function like a credit card with a preset limit but none of the finance fees and charges. Online banking allows your teen to check their account statements on a regular basis and track their spending.

Checking accounts for teenagers provide a great way to teach them important financial lessons. Offer to discuss any questions or concerns they have about their money. Teenagers will become responsible when it comes to money as they gain more financial confidence.

About the Author:

Can cancelling a credit card help you get your debt paid off faster? Get the inside scoop on the Debtopedia website at http://www.debtopedia.com where you'll get your free copy of my report Secrets Of Credit Card Debt

Money And Stress - Find Hidden Money, Time And Simplify Your Life

By Christina Helwig

Take a good look around your life. Can you simplify the processes you use to complete your tasks and projects in anyway? How cluttered is your home? Your desk? Your calendar? Your bills, etc.

When you simplify you ease the pressure that life places on you. You clear away pressures and or items that get in your way of living at your highest level. You cannot think and function properly if you are stumbling over items piles of bills, unfinished work, multiple projects, a cluttered schedule and other "stuff" that you do not actually need or want.

To have a clear mind and the ability to use your time wisely to you need to simplify all areas of your life. You need to get rid of all the "mess" in your home that you have to move around for no reason. Right away you should clear yourself a work area in your office. This space needs to be completely yours and spotless at all times. Your office should be quiet and preferably be somewhere that you can shut a door and work by yourself. If you do not have an office find another spot in your home.

In addition to cleaning up and simplifying your home you should take a good look at the activities that you have committed your time to. Often in the soccer mom culture we over-extend ourselves time wise. We say "yes" to dinner with a friend when we really just want to have a night off. We over schedule our children's schedules and by default our own time since we are responsible for driving them around and preparing them for events.

What have you said "sure" too lately that you don't really want to be involved in? Make a list of all your projects and cross off ones that are not important. This includes doing things like shopping. In many cities you can pay ten bucks and have all your groceries delivered to you. The 1 1/2 to 2 hours you used to spend at the store can now be spent working on your important projects. Continue with this activity until you free up over 10 hours a week to spend working on your goals.

If you are married see if the chores are evenly spread between you and your spouse. If they are not - redistribute them evenly. Both partners deserve to have free time to work on their purpose. By sharing responsibilities as a team you allow each other to experience the bliss of working on projects that are dear to your heart.

An area that always needs critical attention is your finances. Are there things in your monthly budget that you do not need or really don't have the money for? Are you paying for services that you do not use? What about your home and cell phone? Do you actually use both? Can you switch insurance to save money? How much food are you buying that just ends up being tossed out? If the family won't eat a certain food, then don't buy it. Surprisingly, wasted food is a major expense for many families.

Simplifying is to take stress off your life both mentally and financially. The additional cash that you "discover" once you have reduced your obligations, you should use to work on your goals. Before you might have believed that you could not afford to put any money towards your goals . . . simplifying your life will give you room in your budget to afford to pay for projects you care about. Even if it you can only find $20 a month to spend on your goals that is good start. Over time you will make choices and decide whether a going out for to eat or putting that money towards your chosen goal is the correct decision.

About the Author:

When you change your habits, actions and attitude, your whole life will change. Set aside several minutes each day to work on your goals. Click here to learn about how to increase your income and create wealth in your life. This site covers topics from leadership, to tax strategies to growing your business and many more. Christina Helwig is an attorney and VP of Wealth Expressions, Inc.

How To Reduce Your Credit Card's Rate of Interest

By Jenni Snook

In today's world, nearly all of us have at least one credit card. The good ol' average family is in debt to between 10 and 20 lenders, with almost 50% coming from credits cards alone. Getting a credit card has never been easier. There have been both good and bad consequences of this. While credit cards have allowed us to acquire goods faster than ever before, they have also allowed us to accumulate debt faster than ever before.

If you don't see yourself giving your credit cards the chop, then this article will assist you in saving money. In fact, you can start seeing your monthly bills dropping at a quicker rate with just some simple and easy planning.

Charging interest is the main way credit companies make their living. This is the way your payment is used. Firstly, a portion goes to clearing the balance. Secondly, whatever is left over goes to paying the interest.Nowadays, some credit companies have begun charging ridiculously high rates of interest. Store cards are culprits in this practice, often charging between 30 and 40 percent interest. People who find themselves in such a situation has little options. It's recommended that you get yourself a credit card from a large provider such as Mastercard and Visa. Depending on which bank you do it through, their interest rates will vary.

Nevertheless, the rate charged by these companies are much lower compared to those of store cards. In addition, you are generally allowed higher limits with major credit cards. Therefore, it's very possible to replace all your store with 1 major credit card and in the process save a whole heap of money.

If you've already got a heap of major credit cards, then here are some money saving tips for you. There are so many credit card companies that they now have to compete for business. This leads to certain opportunities being created. It's recommendable that you firstly phone your credit card company and ask for a lower rate of interest. You should be surprised if they give you a lower rate especially if you've been paying your bills on time.

If you're not able to get a lower rate of interest this way, then it is advisable that you shop around for a better deal. It then becomes as simple as obtaining a lower interest rate card and transferring the old balance over. You'll be pleasantly surprised at the amount of money you can save by reducing your interest rate by 2 or 3 percent.

In the long run, credit cards can become a costly investment. However, by following the money saving tips in this article, you can reduce your payments significantly and keep more money for yourself.

About the Author:

Jenni Snook is the leading writer of http://www.HealthyWealthySoul.com, a website dedicated to providing people advice and tools on personal finance planning to achieve both financial and spiritual happiness in their lives.

Tips About Credit Repair

By Mike Carbeck

Many people mistakenly believe that they only need to go through an agency, for any hope of credit repair. Please be assured this is not always the case. It is entirely possible that it will cost you more time and money to go through an agency, than it would be to do it on your own. However, before contacting an agency for help follow the steps below and you may be surprised at the results.

Repairing credit on a do-it-yourself basis takes time, patience and dedication. Your first step is to contact the credit reporting agencies in writing and request a copy of your credit report. By Federal Law, you are entitled to this information free of charge every year. The top three credit agencies are TransUnion, Equifax, and Experion, you can find out information about these agencies by doing an Internet search under "Credit Reporting Agencies", or you can even look through the phone book. Be sure to include the following information in your letter to the credit agency:

1.) A request in writing for a copy of your credit report (You are entitled to one free report per year) 2.) A copy of your state issued ID or Drivers License 3.) Proof of your current address if the information is not on your ID or Drivers License 4.) A list of your last known addresses for a period of 5 years 5.) A copy of your social security card 6.) Also make sure to sign the document

You then need to allow 4-6 weeks for you to receive your credit reports. If you have already gotten an annual credit report from another agency, and are not eligible for a free yearly report, you could also receive a letter of denial within sixty days of receipt. If you get a denial letter, copy it and enclose this with your written request as well.

Once you get your reports from all the agencies, you need to sit down and review each one. Make sure the information contained is accurate. Use a spreadsheet or written log to track any differences you may note. Do not hesitate to launch a dispute if you find something on these reports that is invalid or wrong. The agencies will allow you to file an official dispute request online. Your credit reports need to include contact and account information for each separate creditor. Organize this list of your debts and creditors. Most debts that are 7 years or older, may not even appear on your report. Most creditors who do not have any contact with you after 7 years will write off the debt. Some may continue to try and find you, either way leave well enough alone and if something is not listed then do not question it.

You can take it upon yourself to contact a creditor and make payments on an installment basis, if they are willing to work with you. Some may make it very difficult and will demand immediate payment in full. If a creditor is being unreasonable, feel free to speak to their supervisor. Expect that some creditors will be downright rude and obnoxious, do not let this discourage you, just ask to talk to someone else. Keep a written log of conversations and note the name and contact information of the person you speak with every single time.

It may take a while to feel like you are making any real progress, but with your payment arrangement, your credit will fall into place within twelve months or less.

It is extremely important to note that while you are making payments to your creditors, when you mail in the payment, you keep a copy of all your receipts. Always include a self addressed stamped envelop with your payments and request a return receipt from your creditor.

Always get annual copies of your credit report from each agency. Do not over obligate yourself to any other creditors while making payments to another. You may even receive several credit offers in the interim. Learn how to eliminate creditors and throw them out. Keep yourself focused on the goal of getting yourself out of debt and keep track of payments and contact information, dates, times and names of who you speak with.

About the Author:

In times like these it is easy to see why so many people like yourself are interested in eliminate debt. Visit us at http://www.debtmastering.com.

Help Yourself Get Rid of Credit Card Debt

By James Johnson

A sad fact of life today is that too many individuals spend their monthly income to pay off debts. If you've been paying only the minimum on high interest credit cards all this time, you are doomed to pay a great deal more than what you spent. As disposal income diminishes and the cost of everyday necessities continues to climb, people all across the country are saying the same thing: "Help me get out of credit card debt."

If you face the situation and make a plan to get out of debt quickly, you will be much further ahead in the future. Keep in mind that the money you spend now to get out of debt will save you far more in the future.


The most important thing to do for getting a handle on your finances is to make a list of your debts, including the creditor and the amount due. Devise a spreadsheet either on your computer or manually for each creditor and show the balance due, minimum monthly payment and applicable interest rate. You will refer to this "get out of debt" worksheet each month as you make credit card payments.

As soon as you have figured out just what you owe, make a plan for paying it off. A good start is to add to any minimum monthly payments; if you can do more than that, you should. The reason that most get out of debt plans fail is that people do not put enough into their monthly payments.

If you have a certain amount of money each month that you can dedicate toward reducing your debt, begin by trying to pay off the credit card on which you owe the least amount of money. That will give you a big boost toward helping you get out of debt. The reason you'll wish to do this, rather than focusing on paying off the highest interest rate credit card first, is that a credit card which is paid off looks much better on a credit report than four credit card paid off only halfway.


Once you get your first credit card paid off, you'll feel really good about your accomplishment. You'll realize that you don't have to feel like you're drowning in debt and this can help you push to get the rest of your credit cards paid off.

By sticking with a strict plan to pay off your high interest credit cards, you'll be able to stop praying for someone to "help me get out of credit card debt." Youll have your spending under control, and even better, be able to use your income in more productive ways.

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Finding Inexpensive Computer Buys

By Chris Channing

Older people are quickly learning that the next generation of technology is not only sometimes hard to learn- but not cheap in the least bit. Technology can be a tough pill to swallow under these two conditions, but with a few tips, obtaining it isn't near as expensive as most would think.

There are two main types of computers: laptops and desktops. Desktops are much more able to be customized, although they lack the mobility that students need while in school. Whereas a laptop is usually a bit more expensive for what it offers, desktops can range from a mere $100 to thousands in overall cover charge.

When buying a computer, a family or individual should think of what they need it for. If one wants to play video games and to other multimedia activities, a fairly decent computer is needed. If a student requires the usage of programs such as Photoshop for course work, they will likely need an even more improved computer called a workstation. Otherwise, the individual can buy a simplistic computer if they are going to primarily use it for email and Internet browsing.

The great thing about the holidays is that companies want to make as much money as possible- meaning they are willing to create bundles and slash prices to achieve this. Because of this, it is often best to wait until Christmas, beginning and end of the school year, and around shopping periods to make a purchase if it can be helped. Otherwise, the discounts can sometimes be negligible and waiting isn't a good idea if the computer is direly needed.

Another option that very few people investigate is to go through a wholesaler to buy their computers. This can sometimes be less appealing, as some wholesalers won't have extended warranty plans, return policies, or other benefits a normal store would provide. This varies, however, and most wholesalers will have electronics at vastly discounted rates. Most wholesalers will also charge a membership fee, too- so keep that in mind as well.

One of the most valuable things that can lead to a discount is simply visiting online retailers and local retailers alike. Consumers will be surprised to learn that many times Internet retailers will have much cheaper prices, but will also see that local retailers will have special in-store discounts: so visiting both is a good idea to ensure one certain product is obtained at the cheapest price.

In Conclusion

Although computers will always be somewhat expensive, we can help reduce their cost with these mentioned tips. Try scouting out some good deals on technology products at your local retailer, or go online and browse some of the more popular technology retail stores.

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Learn more on Dell Inspiron Notebooks Deals and Dell Studio Computers.