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: 10 Weight Loss Tips : +Serious Questions Answered On Real Estate Investing : : http://yanqing001.ulmb.com/phpwind/read.php?tid=1719012 : http://www.nagroad.com/forum/topic/cheap-cam-newton-jerseys-cheap-nike-nfl-jerseys-beyond-the?replies=1#post-380183 : http://www.freeworldsystems.com/node/1#comment-105006 : http://www.thaiq.com/webboard/index.php?topic=334518.msg608824#msg608824 : http://www.palmeredc.com/?q=node/6#comment-46315 : : Credit cards are a big responsibility. When they are used improperly, they can disrupt your future financial solvency and cause you other cash flow problems. The more you know about credit, the more likely you will use this powerful tool wisely.Nevertheless, credit card users nowadays are making a giant leap from the typical shopping experience to a cashless shopping extravaganza. It is very easy to get in over your head with credit cards.With the endless shopping convenience that credit cards can bring, more and more people are encouraged to get credit cards and use them to the maximum amount of the credit line.However, many people are reluctant to explore other credit card choices. That is why, in spite of the credit card's popularity, credit card companies have had to incorporate enticing promotional tools that will hook customer’s interest to apply for a credit card.Among the many credit card offers dominating the industry today, 0% annual percentage rate (0% APR) is the most common. Many credit card users see this as enough of an incentive to make the switch to another credit card.By definition, an annual percentage rate refers to interest rates that are paid on purchases. The APR is expressed in a standard format to allow comparison between credit cards. These interest rates are reimbursement to the issuer of accrued expenses, in order to make the loan to the borrower and other fees required. As you might imagine, there must also be some profit for the issuer as well.Normally, 0% APR is provided during an introductory period by credit card issuers. After that time , any balance on the card would accrue interest until the debt is paid off.The ConceptIn an average credit card, annual percentage rate charges range from 6 percent to as much as 30%. Understandably, people would prefer credit cards with lower annual percentage rates (APRs).This could be a daunting task for credit card companies that are not well established to keep up with the competition. Hence, they try to find another way of offering the same promotions, but with a new or different twist.This is when 0% annual percentage rate comes in.Credit cards with 0% annual percentage rates are the most popular. However, one should clearly remember that 0% annual percentage rate does not last forever. In most cases, this offer lasts only for about 6 months. This is known as the introductory period.Credit cards with 0% APR work best for people who transfer their current balances on other credit cards to the new credit card. Through debt consolidation, 0% annual percentage rate works for the borrower by cutting back monthly interest expense. It can also save time for the borrower by making only one payment per month. The best approach would be to try to pay the balance by the end of the introductory period.Statistical reports show that most of the charges that consumers pay are focused on interest rate charges alone. The average interest rate that the credit card owner pays is 18.9%. Keep in mind that late charges can be charged if a payment is received by the credit card company even one day late. This late fee can increase your expense, and ruin an otherwise good payment plan.Hence, with 0% APR, consumers can definitely cut back on their expenses, and use more of their dollars toward paying off their debts.So before you grab that dazzling offer of 0% APR on a given credit card, try to consider some factors first.1. ResearchIf you have heard about 0% APR credit cards but do not exactly know how it works, it is best that you learn more about it through research.Learn more about annual percentage rates and how 0% APR credit cards work. Through research, you would be able to know that they only work for 6 months and after that period, you can no longer enjoy this offer.2. Read the fine printIndeed, 0% APR credit cards can give you more advantages than you can imagine. Just remember to read the fine print. Many credit card owners are blind-sided by expenses and fees after 0% APR has expired. Most of the time this is because they have not read the fine print. The only way to compare credit card offers is to read every part of the offer, and understand it thoroughly. It you don't understand the terms or instructions, call the company and get clarification.0% APR credit cards can be lifesaving packages; they can greatly reduce your credit card expenses. However, they do not necessarily provide you a lifetime advantage. You must make a plan to pay off the debt, and stick to that plan, if you want to successfully use 0% APR credit cards. : Writing a love poem for that special person in your life doesn't have to be daunting.Even if you remember the correct grammatical terms for verse and rhyme is not important here? Whilst that's great to know when you're studying literature, it might hold you back when you're starting out on your very own love poem.Only two things are important here. 1. To think from the heart 2. To write from the heartSo how to start?1. First of all get yourself some paper and a pen and block off a bit of time when you won't be undisturbed. If you want to play some music fine, but let it be inspiring stuff, rather than loud and aggressive. I've often found that setting aside a particular block of time, (say ½ hour) helps.2. Sit down quietly, close your eyes and remember all the good things about your loved one. Try to focus on three main areas for the moment (you can choose others if you like). Think about a) How you felt when you first saw them. When and where did you meet them, what was said,and what were they wearing? b) How you felt when you knew you really loved them. When was the moment? How did you know? How did you feel and how did you tell them about it? c) How you feel now that you're with them. How do you look forward to the future together? What plans do you have? How do you compare your life now with your partner to times before, without them? What dreams do you share?4. Now start to write your thought down onto paper. This is called prose. Prose is more every day speech than poetry, and it just describes your thoughts and the facts (for a fuller description see www.wikipedia.com). You could think of prose as just an outpouring of your feelings onto paper. Don't hold back. Just go for it. It can all be edited later. For now, just spill it out and get it down.5. When you feel that you've written enough (you decide how much that is), it's time to review it. A review is your own chance to really look back at what you've put down on paper.Are there parts you don't like or areas you want to write more about? Perhaps there are sections, words or sentences that you really don't want in there? Be honest with yourself. No-one's looking at it at this stage, and you're not trying to rival Shakespeare. It's more important that these are your honest feelings, even if you might ‘flounce them up', poetically, later on.6. Most ‘love poem' advice now recommends that you replace common nouns with proper nouns. It's not too complicated. It means Instead of saying ‘flower' - which is pretty general, be more specific and choose a type of flower - say ‘Rose' for example. Make sure your choice of flower begins with a Capital Letter.7. Next step is to replace ‘weak' verbs with strong ones. Don't fret too much about this. Instinct should tell you if it sounds right. For a really detailed explanation of our two English types of nouns (no – I didn't know that either) take a look at the www.bbb.co.uk website.8. And finally, the general advice is to bring all these three memories together with a metaphor. Remember them? When you use as… like. It's a comparison. Again Google comes up with a good explanation. This page also has come good poetry metaphors to get your started.9. The last stage is to re-read your prose – either out loud, or in your head, making note of all those conscious thoughts you have about it. You can make notes on the paper at this stage or just ‘feel' what it says to you. This process breaks up the prose into poetry.10. Do you want to give your poem a title. You can either pick something from what you've written or write something general such as ‘What you mean to me'.11. Once you've done that, decide if it is to go into a blank card, be handwritten, or computer generated – there are loads of fine scripts out there that you can print off. With a bit of placement planning, you can fold and insert your print-off into your card).Remember that it's love poem. The person you've written it for will be more touched by the effort you've gone to than any worries you might have over your 'English'. For more inspiration take a look at some of the classic love poems out there. : : http://foodblogforum.com/activity/p/686726/ : http://chinahotelnewspaper.com/bbs/forum.php?mod=viewthread&tid=832119 : http://www.father-mother-me.com/forum.php?mod=viewthread&tid=466093 : http://www.43le.com/forum.php?mod=viewthread&tid=3122432 : http://old.noahedu.com/blog/space.php?uid=1291904&do=blog&id=2559913

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