Sound scandalous?

Well, hang around... it gets a lot worse!

Here are just a few of the pitfalls you should look out for the next time you’re offered a store card...

• Buy now, pay
  Innovation Management - how does the user benefit?
  Creativity can be defined as problem identification and idea generation whilst innovation can be defined as idea selection, development and commercialisation.There are distinct processes that enhance problem identification and idea generation and, similarly, distinct processes that enhance idea selection, development and commercialisation. Whilst there is no sure fire route to commercial success, these processes improve the probability t
  Like me, you’ve probably been offered a fair old number of these by now...

  ..and, if you’re like most people, chances are you maybe own at least one or two.

  They always seem to put in an appearance at just the right (or wrong) moment...

  It might be Saturday and you've just seen the clothing item of your dreams.

  That can be a pain, though, if this month’s paycheck isn’t due for another week.

  You're undecided.

  Until, that is, you're offered...

  ..a store card.

  One of the horrible ironies about store cards is that the vast majority of people who sign up for one actually had no intention of making a purchase before they left the house.

  But if you’re caught in the above situation, the convenience factor frequently wins the day, doesn’t it? Add on top of this all the little goodies thrown in as a sweetener...

  An introductory discount on goods – typically around the 10% mark – extra money off during sales periods etc...

  But let me tell you what the sales assistant probably won’t...

  For starters, did you know that many department stores will currently charge you anything up to 30% interest on that little card they offer you? (yes, even those ones with the pretty pictures.) That’s around double the interest of your standard credit card!

  Sound scandalous?

  Well, hang around... it gets a lot worse!

  Here are just a few of the pitfalls you should look out for the next time you’re offered a store card...

  • Buy now, pay
    Blog, Blog, Blog - Who Cares What You Think?
    Somebody needs to care about what you think or you might as well be talking to the wall. The Internet allows you to blog about anything you want. It doesn't automatically create readers though. If you're blogging about something nobody cares about it will never be found and read, let alone responded to. One way to increase your blog topic response is to make sure there is a market for your topic. How could you do that?Search On Your T
    ng item of your dreams.

    That can be a pain, though, if this month’s paycheck isn’t due for another week.

    You're undecided.

    Until, that is, you're offered...

    ..a store card.

    One of the horrible ironies about store cards is that the vast majority of people who sign up for one actually had no intention of making a purchase before they left the house.

    But if you’re caught in the above situation, the convenience factor frequently wins the day, doesn’t it? Add on top of this all the little goodies thrown in as a sweetener...

    An introductory discount on goods – typically around the 10% mark – extra money off during sales periods etc...

    But let me tell you what the sales assistant probably won’t...

    For starters, did you know that many department stores will currently charge you anything up to 30% interest on that little card they offer you? (yes, even those ones with the pretty pictures.) That’s around double the interest of your standard credit card!

    Sound scandalous?

    Well, hang around... it gets a lot worse!

    Here are just a few of the pitfalls you should look out for the next time you’re offered a store card...

    • Buy now, pay
      A Clear Business Card Design I
      When designing a business card, it's essential that it's clear, concise and right to the point.Of the factors that make an effective business card, the least exciting one--clarity. However, it's also the most fundamental of the factors.To see why, imagine this case. An architecture firm designs a business card for their services, and does a good job of making cards available to ideal contacts. One such contact--a wealthy person
      tually had no intention of making a purchase before they left the house.

      But if you’re caught in the above situation, the convenience factor frequently wins the day, doesn’t it? Add on top of this all the little goodies thrown in as a sweetener...

      An introductory discount on goods – typically around the 10% mark – extra money off during sales periods etc...

      But let me tell you what the sales assistant probably won’t...

      For starters, did you know that many department stores will currently charge you anything up to 30% interest on that little card they offer you? (yes, even those ones with the pretty pictures.) That’s around double the interest of your standard credit card!

      Sound scandalous?

      Well, hang around... it gets a lot worse!

      Here are just a few of the pitfalls you should look out for the next time you’re offered a store card...

      • Buy now, pay
        Justifying a Content Managed Website
        I was recently approached by a small business owner who wanted to find ways to maintain his website but felt the cost of a content management system, even a small scale solution, was too high to justify. He recognized that his website is an important part of his business and also recognized that he and his small group of non-technical employees didn't have the expertise to manage their website themselves. I suggested he look at the cost of main
        round the 10% mark – extra money off during sales periods etc...

        But let me tell you what the sales assistant probably won’t...

        For starters, did you know that many department stores will currently charge you anything up to 30% interest on that little card they offer you? (yes, even those ones with the pretty pictures.) That’s around double the interest of your standard credit card!

        Sound scandalous?

        Well, hang around... it gets a lot worse!

        Here are just a few of the pitfalls you should look out for the next time you’re offered a store card...

        • Buy now, pay
          Making the Most with Your Sub Prime Leads
          Although sub prime leads are one of the more popular forms of internet mortgage leads, they can at times be a tough deal to close. Especially if the customer is in foreclosure or has a credit score hovering around 500.Now that the new year is upon us, you may want to consider as one of your new years resolutions to make yourself somewhat of an authority on sub prime.Or at least make the effort to build relationships with the whole
          with the pretty pictures.) That’s around double the interest of your standard credit card!

          Sound scandalous?

          Well, hang around... it gets a lot worse!

          Here are just a few of the pitfalls you should look out for the next time you’re offered a store card...

          • Buy now, pay within the next three months. Sure...great deal if you do actually manage to pay it off within that time. If not, some stores will charge you interest from the first day you bought!

          • Ask questions: In a recent study, it was found that in one third of cases, information on the interest rate on the card (among other things) was not freely available.

          • Don’t be tempted to take out expensive and often useless insurance. This can be a monthly amount of 1.5%. With interest repayments of 30%, you could end up with an annual rate of 56%!

          • Also, steer clear of any payment protection insurance scheme. If you were to lose your job or couldn’t work due to illness or accident, you’ll find that this ‘insurance’ generally only pays the minimum monthly payment, not the whole balance!

          • Be on your guard. Staff will usually ask you to fill in the application form in store. In many cases the insurance box will already have been ticked and you will simply be asked to sign up for insurance.

          • Study the terms and conditions carefully in the store. Staff have been known to refuse customers to take away the form.

          Probably the worst thing about store cards is that it’s very