Articles On Information

How to Prepare a Bill of Sale Properly

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You can prepare a customized bill of sale in five minutes. Learn how to do it properly and how to avoid common pitfalls.</div>
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<strong><u>How to prepare a Bill of Sale and how to avoid common pitfalls</u></strong></div>
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A
 bill of sale form is used to transfer the ownership from a seller to a 
buyer. The four main bill of sale forms are for: auto, boat, personal 
property and business.</div>
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The Internet made all these forms readily available at a reasonable price.</div>
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<u>In five minutes or less, the user can prepare a bill of sale as follows</u>:</div>
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Purchase the form and download the form.</li>
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Open the downloaded form and print.</li>
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Use a pen; fill in the blanks by following the instructions.</li>
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Done.</li>
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<strong><u>The common pitfalls and their repercussions:</u></strong></div>
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Using a free form download from the Internet. Such forms almost always contain errors and are incomplete.</li>
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Using a handwritten bill of sale. Such forms almost always contain errors and are incomplete.</li>
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Failing to detail and describe what is being sold. It is important to have what is being sold detailed and described.</li>
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Avoiding the three pitfalls listed above can help both 
the seller and buyer avoid both headaches and expenses down the road. 
The following are few common examples:</div>
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In the event the buyer is unsatisfied with their purchase as they may 
deem that what they received was not as described. A proper bill of sale
 including the condition of the item being sold thus resolving such 
issues.

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<li>
Using an improper form that does not detail important information. This 
causes that buyer issues down the road when attempting to resell what 
was bought. As an incomplete form may lack a vehicle VIN number or boat 
identification Hull number.

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<li>
The seller also needs to protect themselves as exemplified here. When 
selling a car, it is important to include the "Odometer Disclosure 
Statement". This provides the seller legal protection in case the buyer 
alters the odometer in the future when reselling to obtain a better 
price. In such a case, it is impossible to ascertain who changed the 
odometer reading. The seller by using a proper form protect themselves 
from dealing with such possibilities.</li>
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There are just few examples. There are many other scenarios.</div>
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<strong><u>Is a professionally prepared Bill of Sale a must?</u></strong></div>
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Yes.
 For a small price, this provides legal protection for the both the 
seller and buyer and saves them costly expenses and headaches down the 
line.</div>

How to Prepare a Bill of Sale Properly

You can prepare a customized bill of sale in five minutes. Learn how to do it properly and how to avoid common pitfalls. How to prepare a...

8:46 AM

Your Credit Report May Soon Get a Makeover With The Fair Credit Reporting Improvement Act of 2014

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Maxine Waters, a California Democrat, has introduced a bill that 
could bring welcomed change to your credit report. It has been a long 
time since the original bill was passed and consumer spending habits and
 use of credit have changed significantly since then. Let us take a look
 at some of the proposed changes in the House Bill.</div>
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<strong>Credit
 bureaus must delete collection items and late payments from a 
consumer's credit report within 45 days of the debt settling or paying 
in full.</strong> This is the biggest proposed change in my opinion and 
could be welcome news to those with bad credit. You now would have the 
ability to repair your credit score very quickly, within seven weeks of 
settling debt that is on your report. Some industry experts worry that 
savvy borrowers could game the credit system with this change. More on 
this in a future article.</div>
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<strong>Bankruptcies can only appear on your credit report for 7 years, instead of the current 10 years. </strong>Many of the bills proposed changes revolve around shortening the length of time delinquent items appear on your report.</div>
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<strong>Debt Collections and late payments may only appear on your credit report for 4 years.</strong>
 This is similar to the last proposed change in the sense that it is 
reducing the amount of time the delinquency can be on your credit by 3 
years.</div>
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<strong>Private student loans defaults must be removed after 9 consecutive payments made.</strong>
 This is another biggie. If you can make 9 monthly payments in a row for
 your student loan, then the default must come off your report because 
you would be considered in good standing again.</div>
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<strong>Remove adverse actions from predatory mortgage lenders. </strong>If
 you got one of those nasty predatory mortgages a few years ago and it's
 still a blemish on your credit report, this bill acts to remove those 
items from your credit report completely. It is not clear on what 
mortgages would be considered predatory loans.</div>
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<strong>Require 
creditors to maintain documents for negative items on your credit report
 for as long as the item is on your credit report.</strong> This is will
 not affect your credit so much until you have a dispute with a 
creditor. They will now be required to maintain all the documents that 
they used against you for as long as they are reporting the item on your credit.</div>
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The
 bill was only introduced a month ago and I can already see the 
arguments heating up. There are some items in this bill that the 
creditors don't like but if even half the items where to be put into 
law, you should see a bump up in your credit report. If you don't see 
the bump right away, you would certainly get a bump soon</div>
</div>

Your Credit Report May Soon Get a Makeover With The Fair Credit Reporting Improvement Act of 2014

Maxine Waters, a California Democrat, has introduced a bill that could bring welcomed change to your credit report. It has been a lon...

8:45 AM

Maximize Your Business Profit Through Dynamic Scheduling

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At times when the global industry is facing economic crisis and 
things are getting rough for most companies and businesses, everyone 
always end up talking about cutting cost. This is of course a practical 
thing to do but there's also a great probability here that you will end 
up doing more damage to the business. Cutting cost is always translated 
into laying off employees which can demoralize the efficiency of your 
manpower or it could be reducing production cost which will surely 
sacrifice the quality if not the quantity of your product output. In 
order to maximize efficiency and excellent service without facing any 
cost reduction, you have to find out more ways to do this.</div>
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<strong>A Scheduler System with a Tracker</strong></div>
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By
 adopting the Dynamic Scheduling System, you will learn how to use the 
Geo-location information provided by a dynamic scheduler system in 
tracking down activities of your field service men. Given such 
information, you will be able to know what your workforce is actually 
doing with their work time. With this gathered data, you can effectively
 design a Management Strategy that will enable you to boost your 
workforce efficiency by connecting them to job assignments or tasks most
 relevant to their performances. This is more beneficial to them and to 
the company.</div>
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Now, take a look on How the Dynamic Scheduling System
 can help you boosts your company's productivity by increasing 
efficiency and delivering excellent service.</div>
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<strong>Reduce Unnecessary Schedules</strong></div>
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Through
 Dynamic Scheduling, you can always maximize probability of customer 
satisfaction by assigning top caliber employees to top positions and 
challenging jobs and thereby eliminating unnecessary time spent for 
unrelated tasks. You can also ensure an effective customer-service 
delivery by providing a high-level service performance while increasing 
first-time fix rates.</div>
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Now that you have learned enough on how the 
Dynamic Scheduling works, find out how to maximize you company's profit 
by increasing the efficiency of your workforce and maximizing 
customer-service delivery. What a great way to streamline your reduction
 cost without hurting the company. Here's more of what you can learn 
from the Dynamic Scheduling System.</div>
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<strong>Maximize Human Resource Efficiency</strong></div>
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With
 the proper tool to provide you with the exact inputs as to the daily 
performance of your staff and field service men, you will be able to 
assign them to more sensible and relevant posts or functions. You can 
always gauge their performance efficiency by tracking down on their 
specific locations. With such significant information, you can always 
maximize your employees efficiency. Although we are talking here of your
 field service men, the use of the Scheduling System is not limited to 
them. The Dynamic Scheduling System can also be effective in big 
department stores or supermarkets. Mostly in these places you can see a 
number of workers staying in one corner doing nothing, not even 
assisting customers while customers have their long queues in front of 
counters. The flow of service delivery is hampered when a cashier still 
have to pack up grocery items because no one is around to help in the 
packing.</div>
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<strong>Locator Tracking Device</strong></div>
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Want to 
know if your employee is playing on the company's budget? Here is an 
effective way to find out. Through the Dynamic Scheduling system, you 
will be encouraged to use a Locator Tracking Device necessary for the 
effective use of the System. This locator device is equipped with a 
tracker to locate visibility of your work force, including traffic 
situations and provide alternative routes to minimize fuel and time 
consumption. This is an effective measure if you are really considering 
cost reduction.</div>
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<strong>Identify Exact Travel Locations</strong></div>
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With
 the tracking device, you can also be watchful on unscheduled travels or
 out of location travels by your employees which of course means 
additional wastage for the company. If you are aware of these things, 
then you can easily have your reasons to fire out immediately those 
undesirable employees trying to play their tricks on you and give more 
opportunities to those more serious and effective employees or workers 
to fill up your work force.</div>
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<strong>Set Up Immediate Contingency Measures</strong></div>
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With
 the Dynamic Scheduling System, you can immediately set up contingency 
measures in the soonest possible time. Upon identifying arising problems
 in some areas, you can immediately deploy, assign or send backups 
nearest to that location.</div>
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<strong>Reduction of Carbon Footprint Services</strong></div>
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Lastly,
 the Dynamic Scheduling System is also into promoting Reduction of 
Carbon Footprint and advocate support for Carbon Reduction. Commitment.</div>
</div>
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    Are you losing money in your business so you want to maximize 
your profit? Through the Dynamic Scheduling System, you can always drive
 your work force into full efficiency for a better customer service 
delivery. But how to do this? Read the article Maximize your Profit 
Through Dynamic Scheduling System.<br />
   </div>
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Article Source: http://EzineArticles.com/8739980</div>

Maximize Your Business Profit Through Dynamic Scheduling

At times when the global industry is facing economic crisis and things are getting rough for most companies and businesses, everyone ...

8:44 AM

Some Helpful Tips For First Time Owners Of Credit Cards

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One of the happiest things that you can ever experience is having
 your first application for a credit card approved. You will definitely 
spend lots of time looking for the things you want to buy and planning 
for your first shopping spree that doesn't involve you getting some cash
 out of your wallet once you receive your card.</div>
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However, you have 
to know that credit cards are one of the leading reasons why thousands 
of people are currently in debt. They are indeed handy to have but for 
many people, they are cause of the financial woes and problems.</div>
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First
 time owners of "plastic money" can easily become victim of 
overspending. After all, the experience of going shopping without paying
 for any item with cash and being able to pay for them in installments 
and even at zero interest rates can really be very appealing. But before
 you know it, it seems that you can't stop using your plastic card to 
buy anything, even if you tell yourself that you will only use it for 
emergency reasons.</div>
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If you are a first time owner of a credit card,
 below are some tips you can follow so that you can avoid overspending 
and maxing out your card:</div>
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<strong>For those still applying for their first credit card or looking to get another one, you need to choose your card well.</strong>
 At present, there are various credit cards offered by different 
companies and banks suitable for varying spending and lifestyle needs. 
You can get a card that is perfect for most day-to-day expenses and one 
that doesn't come with an annual fee. There are also ones that you can 
get with higher spending limits and cards that comes with international 
concierge service. Basically, choose a card that suits your needs. 
However, you also need to apply for a card that you can realistically afford. As such, when applying for a card, make sure you know the interest rate and payment terms.</div>
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<strong>Always plan your purchases.</strong>
 Once you receive you card, make sure you plan for and be highly 
selective about the items you will pay for using it. Remember that any 
unplanned, small, and frequent purchases on your credit card will add 
up. You should also consider setting a limit to any big-ticket item you 
want to buy and stick to this cutoff point.</div>
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<strong>It is still more advisable to use cash.</strong>
 Even if you don't have a lot of spare cash, it is still more sensible 
to pay for your lunch, coffee or a new book you want to buy with cash. 
By doing this, you get to avoid accumulating high interest rates on your
 credit card bills.</div>
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<strong>Lastly, use your rewards.</strong> 
Almost all credit cards now come with certain privileges and the best 
ones will provide you with valuable rewards, such as free travel after 
reaching the required points. And once you can avail of these rewards, 
make sure that you put them into good use and enjoy these freebies.</div>
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Article Source: http://EzineArticles.com/8778365</div>

Some Helpful Tips For First Time Owners Of Credit Cards

One of the happiest things that you can ever experience is having your first application for a credit card approved. You will definit...

8:43 AM

Will Apple Ever Make It to the Finance Industry?

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    <strong>PayPal on Apple iCloud Issues</strong><br />
Will Apple 
ever make it to the Finance Industry after PayPal showed negative 
reactions to Apple launching their Mobile Payment Service Apple Pay?<br />
PayPal
 publicly questioned Apple's credibility in getting into the Financial 
Industry when it announced recently in the New York Times its open 
contempt on Apple's new technology. Putting much emphasis on Apple's 
recent issue over iCloud, PayPal reminded the public when celebrities' 
intimate photos suddenly went into circulation, throwing doubts on 
Apple's credibility to secure financial accounts. The Ad accompanying 
such remark even stated, "We want our money, more than our <em>selfies</em>!"<br />
<strong>The Technology to Replace Apple Pay Wallet</strong><br />
After
 the success of the Apple Pay, Apple is now launching another technology
 to upgrade Wallet features. This time, cash transactions are quick and 
made easy through a phone built-in NFC feature. NFC is a sensor strip 
built into every iPhone 6 and iPhone 6 Plus phones. This strip is found 
at the top of the phone and is activated once you hold your phone over a
 sensor. By simply touching the ID for authentication, transaction is 
done. With the new Apple invention, cash transactions are more quick and
 easy. For security of transactions, credit cards which appear on your 
Passbook are secured in an enclave at the phone as the credit card 
number is never stored. This makes your card number isolated from your 
transaction as a security code is sent over the wire. So if you lost 
your iPhone, it can easily be disabled. With the NPC sensor strip, it 
can turn your iPhone into debit and credit cards for you. You can use it
 for online transactions without filling up long forms. Just one tap is 
all you need. Apple Pay also works with Apple Watch but Apple Company 
still had to work out for more details. Some third Party Apps are also 
integrated in the new invention paving way for more apps developers in 
the future.<br />
<strong>Apple on the iCloud Breach Issue</strong><br />
After
 hours of investigation into Apple Security System, Apple CEO, Tim Cook 
reaffirmed its vehement denial to the allegation that there is a breach 
in their iCloud Security Feature. According to the result of the 
conducted investigation, Apple did not find any reason to support 
Hollywood Celebrity, Jennifer Lawrence's cries for breach security after
 nude photos went into circulation in the internet. Other celebrities 
involved were <em>S</em>elena Gomez, Mary Elizabeth Winstead, Kate Upton and Kirsten Dunst.<br />
Apple
 insisted that investigation results showed compromises on user 
accounts, passwords and security questions. In short, they were done by 
hackers and not a breach issue on the part of the Company. Apple CEO 
further advised their patrons to use double security measures. Apple 
also added more security features to avoid compromises in their product 
and customers security by sending out alert emails every time they log 
in into their iCloud using web browsers. This does not exclude even 
those who regularly log in into their iCloud. However, this will only be
 temporary as Apple works to find more ways to improve their security 
against nude-crashes. Apple also got some plans to improve iCloud 
security by sending out emails and push notifications to iTunes users in
 cases of any attempts seen to change their passwords, restore iCloud 
data to another device, or log into iTunes for the first time.<br />
<strong>PayPal Irrelevant Issue Raises Doubts on Apple Security</strong><br />
Now
 that Apple had announced the entry of the Apple Pay, with more sensible
 features attuned to secure data of its users while doing transaction 
more easier, this could provide them a portal to the Finance Industry. 
But after the iCloud issue, which proves to be a drawback to Apple 
Security Measures, will joining the Finance Industry be a good move for 
Apple? Will it prove to be their downfall or their breakthrough to the 
Finance Industry?<br />
With these issues to raise, PayPal, the largest 
online banking showed reluctance if not dismayed on Apple's decision to 
go into Finance Industry. What with the large portion of their market 
brought to them by Apple?<br />
After celebrities nude photos goes into 
circulation over the web, PayPal's negative comment on Apple iCloud 
Security take its drawback as people started questioning and pointing on
 its effects on PayPal. The allegation against Apple iCloud does not 
limit the people assumptions that if it happens to Apple, there is a 
great possibility that the same thing can happen to PayPal any time. 
This assumption as to PayPal's loophole in their security was finally 
backed up by a blog posed by a 17-year old kid from Melbourne, 
Australia. This post is relevant and probably the very reason why Apple 
commanded much attention from PayPal and other online financial and 
banking institutions. If PayPal is getting restless over transactions 
involving iPhone, how would it react if hackers would finally treat 
PayPal to the same extent that they treated Apple?<br />
Apple had 
indeed shown their great expertise in dealing with such crisis. Once 
again, they prove to their customers and competitors that they are 
always ready and capable to develop their products and services. They 
are giving much focus on the provision of full security, both to their 
products and customers or users. It is but natural for a corporation as 
big and as great as Apple, to be facing such issues. But what is 
important is the fact that they never stop in looking for great 
innovations for the improvement of every product feature.<br />
The 
battle between Apple and eBay may take its final course in the long run,
 when people themselves will watch and measure its final outcome. 
However, being in the same industry where a company's credibility is at 
stake over finances, it's better to collaborate in providing solutions 
to any loophole in the technology. Conquering the Finance Industry is 
still a long run for Apple but with the introduction of the new-featured
 iPay Phone, will they be able to make it or break it in the Finance 
Industry? Apple's entry to the finance Industry will surely bring 
various reactions on everyone, including existing and potential 
competitors.<br />
The Issue oni Cloud Security is just a gateway for 
Apple to consider joining a new Industry but issues such as this one 
surely leaves a lot to learn and to develop. Finances and Technology 
always comes hand-in-hand. When you got one in your hand, it takes one 
great decision to hold on to the other!<br />
   </div>
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    It is more likely that Apple will survive the recent hit on their
 security issue regarding iCloud after Hollywood celebrities went gaga 
over 'selfies nudies'. Know how they will be getting over it and develop
 the use of their technology to regain back public trust and confidence.
 Moreover to that, Apple is gaining entry to the Finance Industry. Will 
this be a breakthrough or just another high-risk move to improve current
 business standing?<br />
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Article Source: http://EzineArticles.com/8767496</div>

Will Apple Ever Make It to the Finance Industry?

PayPal on Apple iCloud Issues Will Apple ever make it to the Finance Industry after PayPal showed negative reactions to Apple launch...

8:42 AM

How Credit Cards Cause Global Warming

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    Global warming, as you may be aware, is a serious threat to the only place in this vast universe where we can exist.<br />
We
 are, in fact, steadily heating up our "home" Centigrade by Centigrade, 
Fahrenheit by Fahrenheit. So, when the tipping point comes, it will 
literally go up in flames... and our earth would become an inhabitable 
mass of dust and rocks.<br />
The primary reason for being roasted 
alive, slowly but surely, is our excessive use of the natural resources.
 Millions of tons of coal, oil and minerals are devoured year after year
 to meet our insatiable demand for energy and countless goods and 
merchandise.<br />
To a large extent, credit cards are responsible for this relentless march of the human race towards its own extinction.<br />
No,
 the problem is not the raw material that goes into the making of a 
credit card. Rather, it is the unbridled consumerism generated by this 
innocuous looking piece of plastic.<br />
When we have limited money to spend, our wasteful tendencies get automatically restricted.<br />
However,
 credit cards have the magical power to multiply money. By making 
available to us, our many years of future income, it puts a colossal 
amount of purchasing power in our hand. This, naturally, stimulates and 
incites unrestrained consumption.<br />
Consumption by itself is not 
bad. However, this practically unlimited money-power begets 
over-consumption. In fact, human "needs" are finite. You can eat only so
 much; you need just one house to live; you can't drive more than one 
car at a time or talk on multiple phones; and so on. As such, a vast 
amount of this over-consumption actually ends up as "utter waste". Just 
look around and you will find millions of bloating tummies, hundreds of 
unused items lying scattered around in our homes, no parking space for 
our cars, etc.<br />
Our planet does not have the capacity to handle 
such mammoth amount of waste that is being generated in such a short 
interval of time. As a result we have global warming, ozone layer 
depletion, polluted rivers and many such ways of environmental 
destruction.<br />
I wonder if our earth will survive this credit card crisis.<br />
By
 the way, even before this impending "collective annihilation" becomes a
 reality, credit cards have devastated many individual lives. And this 
damage is not just limited to their finances. Health, relationships, 
marriage, mental peace, all have suffered immense harm.<br />
There is 
no secret formula to living a life free from the pressures of a credit 
card. The centuries old wisdom - spend less than what you earn - is as 
relevant today as it was ages ago. To counter the numerous temptations 
around us, I had recommended 3 places where you should not use your <a href="http://articlesoninformation.blogspot.com/" target="_blank">Credit Card.</a><br />
I threw all my credit cards (except one for convenience and emergencies) into the dustbin. What about you?<br />
What
 legacy would you like to leave for your children... big houses, big 
cars and big debts or clean air, clean water and clean food? The power 
to write your children's destiny is in your hands.<br />
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Article Source: http://EzineArticles.com/8784941</div>

How Credit Cards Cause Global Warming

Global warming, as you may be aware, is a serious threat to the only place in this vast universe where we can exist. We are, in fact,...