Susan Cooke Cook Books

Credit cards with outrageous fees and mile-high interest rates are slowly declining in popularity, as more people realize the benefits behind no annual fee credit cards. Why pay to spend with a card when the card issuer already wins from your weekend splurge at Nordstrom’s? This isn’t to say that all credit cards charging yearly rates are a waste of time—plenty offer special perks and bonuses to their cardholders. However, there’s a lot of useful information you may wish to know about cards without annual fees.

No-Fee Must Know’s:

• Find a no-fee card but don’t like the listed APR percentage? Many credit companies can review your credit history and if they like what they see, you can potentially snag a lower rate.

• Many cards allow customers to go over their credit limit or make a late payment without penalty. However, it’s necessary to check the small print, because repeat offenses may hurt you.

• Make sure you read the fine print—your no-fee card may roll over and charge you a fee after extended periods of time.

• Many card issuers charge high penalty rates on late payments, making up for an annual fee that isn’t charged.

• Sometimes no-annual-fee credit cards don’t offer all the special perks like travel miles or insurance that other types of cards do, so it’s best to compare credit cards.

6StarReviews.com reports that one card in particular, Discover More, offers some great perks in their no annual fee credit card reviews. Discover More offers cardholders a great APR rate, travel accident insurance and versatile cash back bonuses.

There are positive signs in the credit marketplace, which is a great sign that individuals are recognizing the need to spend in moderation. About 40% of all credit card holders have a balance of less than $1,000. Also, about 70% of consumers haven’t had an account or drawn out loan that was older than 90 days. For those of you who can foresee yourself falling into financial traps, it’s necessary to take precaution.

About the Author:

Kelly Liyakasa is a staff writer for 6StarReviews.com. Kelly Staller is site manager at 6StarReviews.com, a site dedicated to giving YOU, the consumer, the best product and service reviews around. If you like saving time and money by having someone else review leading sites and products, then Visit our site at 6StarReviews.com. Also, if you have the time, check out the 6StarReviews Blog for product updates, new site reviews and to give us suggestions or feedback! Visit 6StarReviews.com Blog!

Article Source: ArticlesBase.com – No Annual Fee Credit Cards

Ben Affleck and Matt Damon winning an Oscar®

Annual Reports Annual 2006 (Graphis Annual Reports) $52.98 • Dozens of covers and interior layouts from the finest annual reports of the year • Selected by a jury of renowned designers • Valuable for graphic designers, corporate communications professionals, CEOs Annual reports are the public face of corporations. Annual Reports Annual 2006 presents covers and spreads for the finest annual reports of the year, selected by a distinguished international jury. Full creative credits are given for each report. This year’s jury is chaired and selected by Doug Oliver, a highly respected, award-winning annual report designer. Annual Reports Annual 2006 is the standard of excellence for the industry.

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Cigars, Whiskey & Winning $4.48 250 valuable lessons for today’s managers from one of America’s finest leaders–a seamless blend of biography, history, and management wisdom. Long before management became a science–complete with an endless parade of multi-step, jargon-laden programs for business success–the Civil War’s winning general was battle-testing his own ways of getting things done, and becoming a consummate leader in the process. By war’s end, Ulysses S. Grant was managing the world’s largest organization, with over one million men and $1.5 billion in annual expenditures–and all without computers. How did a man of only average talents lead a group of ordinary men to victory after victory over highly motivated, well trained and often brilliantly led opponents? In this masterful retelling of Grant’s story, Al Kaltman draws on Grant’s writings and life experiences to present a series of practical lessons in management that are more relevant than ever today. Going beyond mere "how-to’s", Cigars, Whiskey and Winning deals with character traits, core beliefs and fundamental values to reveal secrets to becoming a winning manager that are as much about "who to be" as "what to do". And there isn’t a chart, table, or checklist in sight–just a handy index of lessons for ready inspiration on demand. In short, a refreshing and truly enjoyable alternative to management book overload. Includes 16 page photo insert.

Poster Annual 2007 (Graphis Poster Annual) $47.48 Graphis Poster Annual 2007 features the year’s finest poster designs, selected from thousands of international entries. Stunning, striking, even shocking, the award-winning posters were produced for a variety of corporate and social causes. Taken together, they clearly illustrate the power of the poster. Full information for each project, including designer, writer, illustrator, photographer, art director, and client, gives credit where credit is due. For collectors, designers, corporations, art directors, advertising professionals, and anyone with an interest in design and communications, Graphis Poster Annual 2007 is a must-have.

Publishing the Nonprofit Annual Report $30.98 Publishing the Nonprofit Annual Report offers your nonprofit organization hands-on guidance to help you create an annual report that goes beyond fulfilling your financial reporting responsibilities and instead becomes a valuable communications, marketing, and image-building tool. Written by Caroline Taylor–a consultant who has more than twenty years of experience producing award-winning annual reports–this essential guide takes you through the report-writing cycle from start to finish. Step by step, she shows you how to create a plan, fit the report process into the overall schedule, assign tasks, develop the executive message, work with designers to integrate visual elements, and get the report printed on time and within budget.

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Winning Customers with Commitment $2.99 Gary Hirshberg learned about running a business as the C-E-Yo of Stonyfield, now the world’s largest organic yogurt producer. In his book, Stirring It U—How to Make Money and Save the World , he tells how the company grew from seven cows in a New Hampshire barn to a business with more than $330 in annual sales. Now he is sharing what that experience taught him in a series of brief, practical lessons on profiting from a sustainable enterprise. This one is about earning customers’ trust and loyalty. I can’t claim that Stonyfield’s founder, Samuel Kaymen, and I gave up conventional marketing through a reasoned decision. Short on money at the outset, we had no other choice. But what we had was worth more than billboards and magazine layouts. We had Samuel’s yogurt recipe, pieced together from Yiddish yogurt masters in Brooklyn, and the simple conviction that our stuff was so good we need only persuade people to try it to win them over. Our first customers would spread the word—but how to get their attention? When running a startup, you use whatever resources you have. A family friend who owned Stop & Shop supermarkets in Boston asked his dairy buyer to let us stock our yogurt and hand out samples in five stores for 12 weeks. If we couldn’t make a dent in the market by then, we’d be out. So most every evening for 12 weeks, one of us visited one of these supermarkets, evangelizing….

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