If you fly frequently then you probably know your little secrets on how to get cheap tickets, you probably use promotional codes and discounts have become good friends with you. But why pay at all when there are ways to get free airway tickets? If you travel often there are a few strategies you can employ that will often result in free air travel.
Step 1:
SCHEDULE YOUR FLIGHT DURING BUSY SCHOOL VACATION WEEKS. Well, you can try to be sly a bit. Airlines are overbooked during the busy vacation weeks. What happens is that some airlines will offer passengers that have tickets some vouchers to give up their seat in exchange for a guaranteed seat on either the next plane or one shortly after. Knowing this fact and considering it further you can make the situation work out the way you want. What you have to do is refuse on the first voucher offered to you. Wait some more time to see how much the airline is ready to offer you, before you trade your seat. Just think of the money you could get ... If the airline is generous enough, you might walk out with a possibility to afford two tickets to a fantastic country and accommodation to go with it.
Step 2:
OPEN AND CLOSE AIRLINE CREDIT CARDS. Plenty of airlines have the credit card programs that are quite interesting. We will explain why they are. You can earn frequent flyer miles for every dollar charged by the company. Some airlines only offer these cards to people in their frequent flyer program so you may have to join their program first. You could open these credit cards with different airline companies. The next step would be to use promotional bonus miles just for opening the accounts and then close the accounts before the annual fee kicks in. You could keep certain credit cards a little longer in situations that offer the best bonuses for dollars spent with the card. But the important note here would be to keep in mind to pay off the airline cards to avoid the high interest rates.
Step 3:
BECOME AN INTERNATIONAL AIR COURIER. As you will recommend yourself as a courier that can be trusted and relied on you will star seeing new opportunities coming your way. These opportunities will include free international travels. Such pleasant moments do happen but they are truly unexpected. You might be offered to travel the very next morning or the same evening. If you can prepare yourself for the trip on time, consider yourself to be a lucky person. This may not be the most attractive method for people with family responsibilities but for young people who want to see the world, being able to fly on a moments notice can equal to a free airline ticket.
We gave you this inside scoop on how to get a free ticket for you to know your possibilities. Airline tickets could be given to you absolutely free, but not when you sit home doing nothing. Cheap airline tickets are easy to find too. So pay or get them free it is totally up to you. The world is full of chances to travel without making a bib financial effort. Use them wisely.
Saturday, July 4, 2009
Choosing a credit or debit card? What's in it for me?
The question that most sensible shoppers ask themselves when deciding to use a credit card is, can I afford it this month? A smart question that everyone should ask but often don't is, what each card can do for you? Many cards offer different types of rewards that should be considered before making a decision on which card to use.
Many credit cards offer introductory offers where you pay no interest on purchases for six months. Just be sure to pay off the card before the six months are up or move the balance to another card. Just be sure to read the fine print as some cards will charge you all the interest from the introductory six month period at the end of the six months if the balance is not paid off.
Other credit card companies offer 'cash back' on your purchases; anywhere from a half a percent to one and a half percent of your charges. This is great depending on the interest rates that a company may charge. Shop around; after all it's your money. Some credit cards offer a special introductory interest-free payment periods on large purchases made. Others may offer special financial services at a no cost or for a low fee as a bonus for being a member.
Another benefit to using some cards is the protection offered. If you are purchasing something online or from someone you are not too familiar with, using your credit card can offer you protection from fraud. The Consumer Credit Act protects you from buying something that is 'not as described' or just doesn't work. The credit card company will reimburse you and will get the money back from the retailer if it can.
Finally, many cards offer air miles that you can build up by making purchases, even your debit card can offer this if tied to a major bank. So think carefully, be sure you can afford the purchase and weigh the benefits that each card offers so that you get the most out of the card you chose.
Many credit cards offer introductory offers where you pay no interest on purchases for six months. Just be sure to pay off the card before the six months are up or move the balance to another card. Just be sure to read the fine print as some cards will charge you all the interest from the introductory six month period at the end of the six months if the balance is not paid off.
Other credit card companies offer 'cash back' on your purchases; anywhere from a half a percent to one and a half percent of your charges. This is great depending on the interest rates that a company may charge. Shop around; after all it's your money. Some credit cards offer a special introductory interest-free payment periods on large purchases made. Others may offer special financial services at a no cost or for a low fee as a bonus for being a member.
Another benefit to using some cards is the protection offered. If you are purchasing something online or from someone you are not too familiar with, using your credit card can offer you protection from fraud. The Consumer Credit Act protects you from buying something that is 'not as described' or just doesn't work. The credit card company will reimburse you and will get the money back from the retailer if it can.
Finally, many cards offer air miles that you can build up by making purchases, even your debit card can offer this if tied to a major bank. So think carefully, be sure you can afford the purchase and weigh the benefits that each card offers so that you get the most out of the card you chose.
Choosing the Right Credit Card
Choosing a credit card is not an easy decision. You can get a credit card from most major financial and banking institutions, but what is the best credit card available? Realistically, there is no card that is the 'coveted' choice. A card that works for one person will not work for someone else, as every individual has a different lifestyle and financial resources.
Credit lending institutions tend to market their credit cards quite aggressively - you have probably received at least one card offer promising you a very attractive credit limit and other perks. It can be tempting to sign up with the first option you find or the cheapest, which are not always the best schemes to opt for, depending on your situation.
The following tips will help you to make an informed choice about which credit card option will be the most beneficial to you in the long term and enable you to get the most from your card scheme.
Stay informed
Educate yourself about credit cards: the different types available, how they work, how to use them to your advantage and how to effectively manage your credit card debt. Knowledge is important in enabling your credit card to work for you. You can find endless information on the web with blogs, forums and entire sites dedicated to credit card advice and information.
Look at your motives and needs to narrow down your options An important tool to help you decide which credit card is the best option for you is to sit down and analyse exactly why you want a credit card. Ask yourself: Why do I want a credit card/what will I use this credit card for?
Is it for emergencies? To build credit rating? To make a big purchase that you want to pay off over time? You will also need to consider what you are capable of providing per month in repayments. Every card has different interest rates, Annual Percentage Rates and other fees which you will need to consider and compare to your financial strengths. Answering these questions and ascertaining your financial needs will present a clear view of what you should be looking for in a credit card.
Once you've done this, it is advisable to make a final decision based on two or three card schemes most relevant to your lifestyle and the points discussed concerning your financial capabilities.
Make a credit card comparison to narrow down your options Comparing credit cards is a safe method of eliminating options that are not structured to fit your needs. The internet has a hub of information detailing what credit cards are available, what the requirements are, tips and tools for managing payments and thousands of other resources to help you and other prospective card holders. Special tools are featured on various websites, allowing you to compare cards and make a decision about which credit card scheme you should subscribe to.
Credit lending institutions tend to market their credit cards quite aggressively - you have probably received at least one card offer promising you a very attractive credit limit and other perks. It can be tempting to sign up with the first option you find or the cheapest, which are not always the best schemes to opt for, depending on your situation.
The following tips will help you to make an informed choice about which credit card option will be the most beneficial to you in the long term and enable you to get the most from your card scheme.
Stay informed
Educate yourself about credit cards: the different types available, how they work, how to use them to your advantage and how to effectively manage your credit card debt. Knowledge is important in enabling your credit card to work for you. You can find endless information on the web with blogs, forums and entire sites dedicated to credit card advice and information.
Look at your motives and needs to narrow down your options An important tool to help you decide which credit card is the best option for you is to sit down and analyse exactly why you want a credit card. Ask yourself: Why do I want a credit card/what will I use this credit card for?
Is it for emergencies? To build credit rating? To make a big purchase that you want to pay off over time? You will also need to consider what you are capable of providing per month in repayments. Every card has different interest rates, Annual Percentage Rates and other fees which you will need to consider and compare to your financial strengths. Answering these questions and ascertaining your financial needs will present a clear view of what you should be looking for in a credit card.
Once you've done this, it is advisable to make a final decision based on two or three card schemes most relevant to your lifestyle and the points discussed concerning your financial capabilities.
Make a credit card comparison to narrow down your options Comparing credit cards is a safe method of eliminating options that are not structured to fit your needs. The internet has a hub of information detailing what credit cards are available, what the requirements are, tips and tools for managing payments and thousands of other resources to help you and other prospective card holders. Special tools are featured on various websites, allowing you to compare cards and make a decision about which credit card scheme you should subscribe to.
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