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Canada dumps Switzerland in opener
Vancouver Giants winger Evander Kane scored a power-play goalas Canada cruised to a 5-3 win over Switzerland in the team'sopening game at the World Under-18 Championships, the Ivan HlinkaMemorial, in Slovakia. <div class='nifad'><a href="http://www.pheedo.com/click.phdo?x=6e08421f3c9c4587aae9e5d274376205&u=301728912"><img src="http://www.pheedo.com/img.phdo?x=6e08421f3c9c4587aae9e5d274376205&u=301728912" border="0"/></a></div>
Swedish scoop on Sundin
A quick straw poll of Swedish journalists at theCanada-Sweden women's soccer game on Tuesday night produced a clearand unequivocal statement on the future of Mats Sundin. <div class='nifad'><a href="http://www.pheedo.com/click.phdo?x=6e08421f3c9c4587aae9e5d274376205&u=301715290"><img src="http://www.pheedo.com/img.phdo?x=6e08421f3c9c4587aae9e5d274376205&u=301715290" border="0"/></a></div>
Sanford will get help designing mask...
When Vancouver Canuck fans get their first look at goalie Curtis Sanford next season, some of them just might be repeating that famous line from The Lone Ranger and asking 'who is that masked man?' <div class='nifad'><a href="http://www.pheedo.com/click.phdo?x=6e08421f3c9c4587aae9e5d274376205&u=301710490"><img src="http://www.pheedo.com/img.phdo?x=6e08421f3c9c4587aae9e5d274376205&u=301710490" border="0"/></a></div>
NHL greats to enter U.S. Hall of Fame...
Cammi Granato, Brett Hull, Brian Leetch and Mike Richter will be enshrined into the United States Hockey Hall of Fame as the Class of 2008, USA Hockey announced Tuesday. <div class='nifad'><a href="http://www.pheedo.com/click.phdo?x=6e08421f3c9c4587aae9e5d274376205&u=301700932"><img src="http://www.pheedo.com/img.phdo?x=6e08421f3c9c4587aae9e5d274376205&u=301700932" border="0"/></a></div>
Oilers rookie camp set for September...
The Edmonton Oilers will get their 2008-09 seasonrolling in Camrose. <div class='nifad'><a href="http://www.pheedo.com/click.phdo?x=6e08421f3c9c4587aae9e5d274376205&u=301700931"><img src="http://www.pheedo.com/img.phdo?x=6e08421f3c9c4587aae9e5d274376205&u=301700931" border="0"/></a></div>
Ex-NHL greats to enter U.S. Hall of...
Cammi Granato, Brett Hull, Brian Leetch and Mike Richter will be enshrined into the United States Hockey Hall of Fame as the Class of 2008, USA Hockey announced Tuesday. <div class='nifad'><a href="http://www.pheedo.com/click.phdo?x=6e08421f3c9c4587aae9e5d274376205&u=301608451"><img src="http://www.pheedo.com/img.phdo?x=6e08421f3c9c4587aae9e5d274376205&u=301608451" border="0"/></a></div>
Gordon named Islanders head coach
The New York Islanders have named Scott Gordon the team’s new head coach. <div class='nifad'><a href="http://www.pheedo.com/click.phdo?x=6e08421f3c9c4587aae9e5d274376205&u=301584992"><img src="http://www.pheedo.com/img.phdo?x=6e08421f3c9c4587aae9e5d274376205&u=301584992" border="0"/></a></div>
Ex-NHL greats to enter U.S. Hockey ...
Cammi Granato, Brett Hull, Brian Leetch and Mike Richter will be enshrined into the United States Hockey Hall of Fame as the Class of 2008, USA Hockey announced Tuesday. <div class='nifad'><a href="http://www.pheedo.com/click.phdo?x=6e08421f3c9c4587aae9e5d274376205&u=301565031"><img src="http://www.pheedo.com/img.phdo?x=6e08421f3c9c4587aae9e5d274376205&u=301565031" border="0"/></a></div>
Sakic says decision soon
Colorado Avalanche captain Joe Sakic said Monday he still hasn't decided whether to play in the upcoming season or retire. <div class='nifad'><a href="http://www.pheedo.com/click.phdo?x=6e08421f3c9c4587aae9e5d274376205&u=301466129"><img src="http://www.pheedo.com/img.phdo?x=6e08421f3c9c4587aae9e5d274376205&u=301466129" border="0"/></a></div>
Hockey roots deep Down Under
Grant Buckley used his hockey skills this summer for an adventure inAustralia. The former Brampton Battalion defenceman learned how tosurf, visited some famous sites and discovered Aussies can play apretty good game of hockey. <div class='nifad'><a href="http://www.pheedo.com/click.phdo?x=6e08421f3c9c4587aae9e5d274376205&u=301466128"><img src="http://www.pheedo.com/img.phdo?x=6e08421f3c9c4587aae9e5d274376205&u=301466128" border="0"/></a></div>



Below, you'll find extensive information on leading personal finance software articles and products to help you on your way to success.

Finding The Right Credit Card Even With Bad Credit
By Melissa Kellett
Given the credit card market growth and the variety of credit card options available, it is wise to do a thorough research before applying for a credit card in order to get a good deal and the credit card that best suits your needs.

Wide Range Of Options

You can find that the credit card industry now provides many different options ranging from rewards credit cards; airline rewards credit cards, business credit cards, low interest credit cards, student credit cards, sub-prime credit cards, and secured credit cards and so on.

If you’re planning to pay off the full balance of your credit card every month, you will get the best deal with a cash back credit card, because at the end of the year you will receive a sum of money that you will use at your sole discretion. This is an excellent benefit that you will be able to use for going on vacations, buying presents, putting money aside for saving and many other purposes.

But if you plan to use your credit card for finance, not being able to pay the full balance each month, you will be wise to find a credit card with a low interest rate. You can even take advantage of certain offers that provide a 0% rate for a couple of months. You should know that credit cards have different types of interests and you should be familiar with them since they will determine

Bad Credit on the Rise: 110 Million Americans Now Affected, According to BadCreditOffers.com Study
The number of Americans with bad credit has risen sharply since 2007, with more than 110 million now affected by a negative credit history, according to a new study by BadCreditOffers.com. The increase reflects a spike in delinquencies on home loans and credit cards by middle-class Americans. (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/bad_credit/credit_cards/prweb1703214.htm

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Brighten Wall Street Investors' Mood With Custom Bobbleheads
The current economic slowdown and near recession-like situation has, undoubtedly, dampened the spirits of the Wall Street investors. Almost everyone across the globe is affected by this sudden and unexpected nosedive of share markets. Amidst these uncertain times, smile has literally gone off the faces of investors. Realizing the gravity of situation, customized bobbleheads have emerged as the most pleasantly unexpected gifts this season. (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/2008/12/prweb1686734.htm

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DRDA, P.C. Helps Entrepreneurs Use Retirement Savings to Buy, Start Businesses
Entrepreneurs are using their IRA and 401(k) savings to buy, recapitalize, and start small businesses as conventional and SBA lenders make fewer loans. Many entrepreneurs are using a little-known qualified plan called the BORSA™ that enables them to use their retirement savings to buy or start a business without incurring a taxable distribution or borrowing against their plan. (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/DRDA_BORSA/entrepreneur_webinar/prweb1695534.htm

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Forum Corp. Research: Past Recessions Offer Lessons for Management Success During Downturn
Layoffs, see-saw markets, and distracted employees challenge managers, but past recessions suggest best ways to lead (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/The_Forum_Corp/Management/prweb1702164.htm

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e-Storm International Featured in Entrepreneur Profile in San Francisco Business Times
November 2008 issue of local business newspaper profiles CEO and co-founder William Gaultier and his advice on managing a global marketing agency (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/interactive_marketing/e-storm/prweb1702194.htm

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eBuddy Mobile Messenger Downloaded 10 Million Times in 18 Months
eBuddy (http://www.ebuddy.com), the world's leading independent provider of web and mobile instant messaging (IM), announced today it has experienced explosive mobile IM growth, surpassing a milestone of 10 million J2ME downloads of its popular, eBuddy Mobile Messenger since its launch in June 2007. eBuddy is processing over 1.5 billion messages per month for over 3 million unique mobile users. eBuddy Mobile Messenger is ramping at a rate of more than 1 million downloads per month and has been the #1 mobile application download on GetJar for over 15 consecutive weeks. (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/IM/ebuddy/prweb1706284.htm

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First-Ever Study of U.S. Consumer Internet Usage and Cost Finds Google Uses 21 Times More Bandwidth than it Pays For
Google uses 16.5% of all U.S. consumer internet traffic in 2008, the study estimates, and that share is predicted to grow to 25% in 2009, and 37% in 2010. Study finds 'Google is by far the largest user of Internet bandwidth, Google's share of bandwidth usage is rising rapidly, and that Google's bandwidth use is orders of magnitude greater than its payment for its cost.' (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/google-scott-cleland/122008/prweb1707524.htm

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Business Grants: The Bailout For Small Businesses?
Because of the bad economy, many don't qualify for loans and venture capital - leaving business grants as one of the only bailout solutions for small businesses. The National Institute of Business Grants (NIBG) has recently launched a site at Business-Grants.com that educates entrepreneurs and business owners about business grants. (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/business/grants/prweb1697084.htm

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Burton-Taylor Data Shows 2008 Financial Information and Analysis Spend Drops in US, Grows in Europe and Asia
Burton-Taylor measures contraction of Investment Banking needs, expansion of FX and Corporate needs, as well as market share changes of key competitors around the world (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/2008/12/prweb1699194.htm

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FinancialDecisionsGroup Launches Their Free Debt Consolidation Programs Online
Financial Decisions Group, located online at financialdecisionsgroup.net, recently launched their online debt consolidation website to assist more customers in obtaining help with their debts. (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/2008/12/prweb1700884.htm

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MultifamilyRevenue.com Website Delivers Clear Evidence that Revenue Management Software Boosts Apartment Net Operating Income
Website is free source for reliable revenue management information to drive higher profitability for multifamily operators (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/Freesource/multifamilyrevenue/prweb1701484.htm

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Financial Stress Is 'Significant' for Majority of Workers, LifeCare® Poll Finds
This release shares the results of a poll asking workers a series of questions about their financial concerns and how employers can help. (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/2008/12/prweb1701784.htm

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Employee Recognition Soars as Dow Jones and Consumer Confidence Index Spiral Downward
Globoforce's 'Employee Recognition Index' Shows FORTUNE 500 Employees Use Peer-to-Peer Company Recognition Programs to Spread Goodwill and Make Connections During Volatile Times (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/Globoforce/employee_recognition/prweb1702454.htm

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MiCash Announces Prepaid Debit Card with Unique Remittance Capability
A newly launched reloadable prepaid debit card is giving non-banking consumers many of the same freedoms bank customers currently enjoy, plus the added convenience of card-to-cash remittance. MiCash's reloadable prepaid debit card, can be used for electronic purchases, paying bills, ATM cash withdrawals and to transfer money internationally - no bank account required. (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/prepaid-debit-cards/money-remittance/prweb1702534.htm

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Santander Consumer Bank Deploys StreamServe Persuasion : StreamServe solution enables leading Nordic consumer bank to personalize its communication with customers and dramatically reduce IT dependency
StreamServe, Inc., a leading provider of Enterprise Document Presentment (EDP) solutions for business communications, today announced that Santander Consumer Bank of Norway has upgraded to StreamServe Persuasion™ and is expanding its use of StreamServe’s solution throughout its offices in Norway, Sweden, Denmark and Finland. The solution was sold and is being implemented by Banqsoft, one of StreamServe’s key systems integrators for the Nordic financial services market. (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/streamserve_persuasion/consumer_bank/prweb1706624.htm

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East Coast Q3 2008 Trends in Venture Deal Terms
Report by VC Experts, Inc. Data Center Suggests East Coast Investors providing more favorable terms than West Coast. (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/2008/12/prweb1707484.htm

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Payday Loans Through PaydayLoanDeposit.com: Announces "Fast Response" Technology With Cash Advance Loans -- Bringing you secure and professional service for the cash advance and payday loans you need.
PaydayLoanDeposit.Com has announced the utilization of innovative "fast response" technology, allowing for quick integration of applicant results it delivers from a growing lender network. (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/payday_loan/cash_advance/prweb1708414.htm

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SMU Cox School of Business Ranks Credit Solutions Among Dallas' Top Most Dynamic Private Companies
Credit Solutions ranks 12th in this year’s Dallas 100™ Awards given to the fastest growing, privately held companies in North Texas by the Southern Methodist University (SMU) Cox Caruth Institute for Entrepreneurship. (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/credit_solutions/smu_cox/prweb1709844.htm

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ATMs: The Bank Brand Sitting in the Footprint of a Microwave
This newest report from Mercator Advisory Group's Retail Banking Practice is focused on the ATM and the multifaceted role it plays in the retail banking market. While ATMs are no larger in footprint than a microwave, they are a strong tool for keeping customers connected to their money, and more importantly, to their bank. Automated teller machines in service today far outnumber traditional bank branches, and so can extend the bank's brand well beyond its expensive bank branch system. Technology enhancements, footprint deployment saturation, surcharges/surcharge-free networks and transaction channel optimization are keys to banks leveraging their current and future installed base of ATMs. (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/2008/12/prweb1697144.htm

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Risk Management in the Corporate Credit Card Market: A Problem Waiting To Be Solved?
Consumer credit cards were created from the simple idea of "buy now, pay later" and from their humble beginnings in the 1950's to their lofty status in the payment universe today, that basic value proposition has not changed for any stakeholder. In much the same way, business credit cards were created from the simple idea of providing organizations with a convenient, generally accepted method of paying for and tracking company expenses. Since the first commercial credit cards were issued until today, these products have been refined to appeal to specific corporate market segments, including small business (less than100 employees), middle-market commercial (100-500 employees), and corporate commercial (more than 500 employees). Different products, certainly, yet also not so different, in that any credit card account is still a loan. Regardless of the use, a lender is underwriting the purchases made on any credit card and in so doing, accepts a certain level of risk that their money may not be paid back. (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/2008/12/prweb1697244.htm

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Declining Credit Card Growth 2008: A (Leaking) Glass Half Full
Declining Credit Card Growth 2008: A (Leaking) Glass Half Full (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/2008/12/prweb1697314.htm

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$1.25MIL Line of Credit for L5 Performance Systems Inc Arranged by Rising Bird Inc
Ali Neesaneh, president of Rising Bird, Inc. a creative business financial consulting firm announced today the completion and funding of $1.25MIL line of credit that will allow L5 Performance Systems to commence its first phase of business expansion in Irvine, California. (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/2008/12/prweb1696684.htm

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Geico Looks To Praxis Consulting To Ensure The Best Customer Service and Savings
Subrogation Experts Join Forces With One of Nation's Largest Auto Insurers (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/2008/12/prweb1698334.htm

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In a Slumping Economy, Reduced Postage More Appealing Than Ever, Says Brooklyn Mailing House
According to the owner of Select Mail, a longstanding bulk mail and direct marketing company, many businesses and organizations don't take full advantage of the low postage rates available to them. By taking a little extra care in the design of brochures, newsletters, and postcards, these businesses and organizations can save more than a little money. (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/2008/12/prweb1698374.htm

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LV= Reports UK Neighbourhoods Are in Decline
LV= has reported that one in three people in the UK believe that their neighbourhood has declined since they moved to the area. (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/2008/12/prweb1696314.htm

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Burnett + Company LLP CPA's Hosts a Drop Off Location for "News 10 Coats for Kids"
In an effort to ensure that all families keep warm throughout the cold and rainy winter season, Burnett + Company LLP is collaborating with News 10 in the annual "Coats for Kids" drive. (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/2008/12/prweb1697824.htm

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A Broad View of Hedge Fund Performance Reveals Plenty of Strong Performers, Low Leverage and Additional Myth-Busters
PerTrac Financial Solutions (www.pertrac.com) today announced the results of a new review of hedge fund performance, leverage, and liquidity, which provides granular insight into the industry for year-to-date 2008. (PRWeb Dec 4, 2008)

Read the full story at http://www.prweb.com/releases/2008/12/prweb1707614.htm

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Immomaestro, le Courtier en Agences Immobilières Qui Va Enfin Simplifier la Vie des Vendeurs
Immomaestro.com est le premier courtier en agences immobilières à aider gratuitement et sans engagement les propriétaires à placer leur bien dans les meilleures agences partout en France. (PRWeb Dec 3, 2008)

Read the full story at http://www.prweb.com/releases/2008/12/prweb1677944.htm

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Softrax Releases New Version of Revenue Recognition Software, Complementing ERP Systems
New Features Enhance Revenue Recognition Controls, Revenue Process Automation, and Revenue Reporting (PRWeb Dec 3, 2008)

Read the full story at http://www.prweb.com/releases/Softrax/Revenue_Manager/prweb1696224.htm

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Tough Times. Perfect Book. How to Negotiate Against the Odds in a Recession
Whether you're negotiating with an intimidating boss to keep your job, a big bank to keep your business alive, or an entire nation to keep it moving forward, one of America's best-selling new books has answers you'll need this holiday season. (PRWeb Dec 3, 2008)

Read the full story at http://www.prweb.com/releases/Negotiation_Expert/Recession/prweb1698114.htm

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Aqua Media Direct Launches Grass Roots Men's Channel
Diverse Web Destinations For Men is a Great Avenue for Advertisers (PRWeb Dec 3, 2008)

Read the full story at http://www.prweb.com/releases/2008/12/prweb1698194.htm

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Olson Homes Willow Walk Spotlighted as One of California's Most Successful Redevelopment Communities
The City of Compton's newest residential community, Olson Homes Willow Walk, has been recognized as one of California's most successful redevelopment projects and currently leads the nation in homebuyer satisfaction for new home communities. (PRWeb Dec 3, 2008)

Read the full story at http://www.prweb.com/releases/willowwalk/olsonhomes/prweb1698874.htm

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VerteLoc™ Minimally Invasive Spine Stabilization System Now Implanted in Over 100 Patients in the United States
VG Innovations, Inc. (VGI), announced today that over 100 patients have received implantation of the VerteLoc™ Minimally Invasive Spine Stabilization System. Early results indicate successful spinal fusion with no implant migration. (PRWeb Dec 3, 2008)

Read the full story at http://www.prweb.com/releases/2008/12/prweb1700854.htm

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The New York Times Features VA Mortgage Center.com
In current economic crisis, VA home loans outrank all others in housing market. (PRWeb Dec 3, 2008)

Read the full story at http://www.prweb.com/releases/VAMortgageCenter/VA_Loans/prweb1701864.htm

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Sy Sternberg, CLU, Receives the Round Table of New York's Lifetime Achievement Award
The Round Table of New York announced today that Sy Sternberg, CLU®, Chairman of the Board of the New York Life Insurance Company, received the organization's 2008 Lifetime Achievement Award. Sternberg was honored at a black tie event at the Union League Club of New York on December 1, 2008. Each year the Round Table of New York presents its Lifetime Achievement Award to an individual that has made significant contributions to the insurance and financial services industry. The award recognizes individuals for their accomplishments in the areas of professional ethics, education and industry leadership. (PRWeb Dec 3, 2008)

Read the full story at http://www.prweb.com/releases/2008/12/prweb1692264.htm

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Advance Loan Launches Its New Online Direct Cash Advance Loans Service
AdvanceLoan.Net now lets customers apply quickly online, with no faxing or references needed, and they can receive their cash advance in as little as 1 hour. (PRWeb Dec 3, 2008)

Read the full story at http://www.prweb.com/releases/2008/12/prweb1689924.htm

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Better Approach from Banks Will Help Borrowers, Says Burgess
A more constructive approach to repossession from high street banks will make a significant difference as the country begins to look ahead to a very tough 2009. A longstanding commentator on payment protection insurance (PPI), Sara-Ann Burgess, director at specialist firm Burgesses, said she was delighted to see Royal Bank of Scotland (RBS) extend the length of time before it would seek to initiate repossession proceedings against borrowers in arrears. (PRWeb Dec 3, 2008)

Read the full story at http://www.prweb.com/releases/payment/protection/prweb1694754.htm

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New Health Care Advisory Board to Advise PNC on Billing, Payments and Financial Management
Health Care leaders provide industry expertise and strategic advantage for PNC's national health care group (PRWeb Dec 3, 2008)

Read the full story at http://www.prweb.com/releases/12-2008/PNC-New-Healthcare-Board/prweb1695964.htm

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Cyveillance Data Shows Significant Increase in Phishing Attacks Over Thanksgiving Weekend
Cyveillance, the world leader in cyber intelligence, today announced that for the second consecutive year Thanksgiving week saw a significant spike in phishing threats, with 8,298 attacks, a 300 percent increase from last year. (PRWeb Dec 3, 2008)

Read the full story at http://www.prweb.com/releases/2008/12/prweb1696964.htm

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University National Bank Chooses TransCard as Prepaid Partner
TransCard – a leading provider of prepaid debit card solutions branded with Discover® Network, MasterCard® and STAR associations – has signed an agreement with University National Bank in St. Paul, Minnesota to process prepaid transactions for the bank. University National Bank is a community development bank, whose mission is to be the “Leader in Improving Our Urban Community.” University Bank was the first bank to be certified as a Community Development Financial Institution (CDFI) in Minnesota. The bank is part of Sunrise Community Banks holding company with two CDFI-certified sister banks; Park Midway Bank, NA, in St. Paul and Franklin National Bank in Minneapolis. (PRWeb Dec 3, 2008)

Read the full story at http://www.prweb.com/releases/national_bank/university_national/prweb1701554.htm

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how much extra money you will be spending by making use of credit cards.

Interest Rates

There is a Purchase Interest Rate that’s involved in the buying of products and the provision of services. There is also a Balance Transfer Interest Rate that will come into sight when you choose to transfer your credit card balance from one card to another. Finally there is a Standard Variable Rate which is charged when there are balances left unpaid on a credit card.

Bare in mind also that there are other fees that can appear in your balance and you should read your contract carefully in order to be aware of any fees that may emerge in the future if certain conditions established in the contract occur. Penalty fees are a good example of this. When you miss payments or pay late, you will incur in penalty fees, sometimes in the form of a lump sum others in the form of interests on the money you owe and some times you may be charged both the interest and the fee. What you need to check is that these fees come in reasonable amounts. It does not make sense being charged $70 for going over your limit just by $1.

Search Online

There are many companies offering online comparison and advice services that deal with credit cards. This is a good option for those who want to make a conscious decision and compare the variety of rates and benefits that the market has to offer. So, just search the net and compare different credit card offers to see which one best suits your needs.


We strive to provide only quality articles, so if there is a specific topic related to finance that you would like us to cover, please contact us at any time.

And again, thank you to those contributing daily to our personal finance software website.

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