Play the Credit Card Game and WIN!

In this article I’m going to show you how you can get the most out those pesky credit card offers you keep receiving. Even if you’re not about to switch cards you may lean a thing or to so sit tight, but first, let me set the stage: You’re the proud owner of a credit card or two, never really use them but pay them off in full each month. Then comes a few must have purchases and perhaps your employer downsizes and you’re sent packing. Before you know it you’re in the hole for $5000. You still get the statements in the mail but never really read them and like a robot, just pay the minimum amount. Then one day, perhaps because you’re bored or it’s raining outside, you actually read one of the statements and realize you’re paying an exorbitant amount in interest charges and by a rough calculation you’ll be “pushing up the daisies” by the time you have to make the last payment!You’ve often heard you ex co-workers brag about their low credit card interest rate and you now realize those credit card offers collecting dust in your top drawer are starting to look more attractive by the second. Upon delving into the mile high stack or unopened offers you get the same sickly overwhelmed feeling, the same one you get when shopping for toothpaste in a narrow, crowded grocery store isle, ugh, too many choices! You end of tossing the applications into the recycle bin along with any hopes of saving money.Does the above sounds all too familiar? The credit card companies don’t call it the fine print for nothing, and who has a micro-fiche reader anyway – I swear that’s a 2 point font they use! You’ll either end up applying for for a new credit card without really knowing what you’re getting into or you’ll do nothing at all. Well now, let’s not get too carried away with this silly little story but I’d like to add some more coals to the fire by quoting some alarming credit card facts:Fact Number One: Paying the minimum payment on a balance of $2000 with an interest rate of 15.04% will take you 169 months (yes that’s 14 years) to pay it off in full! And, you will of paid a total of $2205.63 in interest
charges (that does not inlclude the $2000 of debt)!Fact Number Two: Switching to an 8% APR card from a 16% APR card will save you aprox. $500 per year in interest charges on a $5000 balance.Ok, OK sign me up I hear you cry. Well hang on there Tigger, one moment before you jump into the credit card labyrinth and promise me your firstborn. Using a small amount of your gray matter (AKA your noggin/brain) you can avoid most of the pitfalls of the credit card game. I use the word game because it really is a game and you’ve gotta play by the credit card rules or they’ll put you in the cooler which normally means ponying up more of your hard earned lolly(cash) or at worst getting a higher interest rate than you had with your old card.So credit card guy, impart to me your bountiful knowledge. I’m gonna make this a 3 step process so here goes:Step 1: Read the fine print.You want a 0% Apr card but is it for purchases or balance transfers or both? Most people will want to transfer a balance and do not care about the 0% Apr on purchases but make sure you understand what the 0% Apr is related to. If you’re unsure then call up the credit card company and ask them.Step 2: Pay your bill on timeSounds logical but really, buried in the fine print on page 1000 of the terms and conditions is a clause that states: If you are late making a payment, any introductory/special rates terminate and the standard purchase APR will apply to purchases and balance transfers. If you fail twice to make a required payment or if you exceed your account credit limit twice, your purchase APR will be 19.99%. If you fail 3 times to make a required payment or if you exceed your account credit limit 3 times, your purchase APR and cash advance APR will be 24.99%.Yikes! This is straight from Discover’s website. You normally have to allow 5 to 10 business days for the credit card company to get the payment so I suggest you sign up with your bank for on line bill paying or get an electronic debit order for them to automatically take out a certain amount each month. If they do hit you with a late fee and you have a good payment record with them you might try calling them up and asking them to waive the fee with the threat that you’ll cancel your account if they don’t. I have use this on one occasion and it worked so it never hurts to ask right.Step 3: Keep an eye on your balanceSo your limit is $2000 but the nice credit companies will gladly let you go over it and slap you with a $25 fee for the pleasure (in some cases even if you go over by a dollar) If you are making purchases with your new card check you account on-line weekly .That’s it, and remember that I’m as much a fan of credit card companies as you are but in some cases they are a necessary evil and sometimes a lifeline in time of financial trouble so let’s ride them hard, to our advantage not theirs and hopefully one day we can cut up those little piece of plastic.

Phoenix Visitors Can Add Vegas-Style Casino Gaming to List of Activities

Phoenix, Arizona visitors looking for great weather, manicured golf courses, gourmet restaurants and sublime shopping excursions can now indulge in Las Vegas-style gaming at the Valley of the Sun’s seven exciting casino locations.Live blackjack and poker, the newest video slots, casino bingo, video poker and more are offered at Indian gaming venues surrounding Phoenix. Here are the locations and some information on each.*Fort McDowell Casino – Located just north of Fountain Hills and Scottsdale, this casino adjoins the Radisson Fort McDowell Resort & Spa and the nationally-recognized We-Ko-Pa Golf Club. Home to more than 800 slot machines, live poker and blackjack, this location boasts the popular “Lucky 7 Saloon” with live entertainment several nights a week. Fort McDowell is also known for bringing in nationally-known music groups to perform on their outdoor stage.*Casino Arizona – two locations in Scottsdale. — Casino Arizona at Salt River – McKellips Rd. and the Loop 101. More than 1,000 slot machines, 50+ blackjack tables, Keno and a showroom featuring the Vegas-style “Showstoppers Live” revue bring in locals and visitors alike. A highlight of the casino interior is its outstanding collection of Native American pottery and other art and artifacts.*Casino Arizona at Talking Stick – Indian Bend Rd. and the Loop 101. This location features the Talking Stick Golf Club, 600+ slots machines, 42 blackjack tables, an expansive poker room and a “high limits” gaming area. Visitors can also enjoy their favorite sporting events on Arizona’s largest TV screens. A new 400+-room resort is slated to open on this site in 2010.*Harrah’s Ak-Chin Casino & Resort – Located in Maricopa — about 45 minutes from Sky Harbor Airport — this casino is the only one in Arizona to be associated with a national gaming enterprise. Visitors here include members of Harrah’s popular Total Rewards Club(TM) player promotion club who can make reservations through the Harrah’s website. In addition to slot machines and video poker, this casino offers live poker, keno, bingo and more.*Gila River Casinos – three locations near Chandler. — Wild Horse Pass Casino – Home to 875 slot machines, live poker, blackjack and keno, this destination also offers a 1500 seat high-stakes bingo room. Located just off the I-10 freeway, Wild Horse Pass is close to the popular Rawhide Western Town, the Sheraton Wild Horse Pass Resort and the Whirlwind Golf Club. A new “WHP” is currently under construction and should open in Fall of 2009.*Vee Quiva – This casino offers a newly-remodeled poker room, 500-seat bingo hall and more than 675 slot machines. The smallest of the three casinos, Vee Quiva is located 15 miles south of the I-10 in Laveen, Arizona.*Lone Butte Casino – Opening on November 20, 2008, the new $60 million Lone Butte Casino will offer visitors a 120,000 square-foot gaming destination featuring 850 slot machines, poker, casino bingo and live blackjack with limits from $5 — $500. Located off the Loop 202 freeway at Kyrene Road, Lone Butte will be home to six restaurants plus the Cascades Lounge with live entertainment Thursday – Sunday.

Clamour For Free Slots Among Online Casino Gamblers

Nothing defines playing online slots in web-based gambling sites better than to use the words fun and extremely entertaining. A lot of casino games are easy to accomplish. In fact, there are some games that only require you to do the simplest things like spinning a wheel and you will be surprised how these very simple tasks could already give astounding prizes and cash. To make things much better, you can even experience all these thrills without having to pay a single cent. Needless to say these free games are enough to lure a lot of players to play in these casinos together with the seemingly limitless options that casino sites offer.The reason why a lot of players prefer to play free slots is because of its nature – a game that relies a lot on chance and luck. Since many people prefer to play in these slots, casinos make it a point that they meet the demand of the players. That is why you can see so many slots that offer equally enticing games.If you are afraid to lose all your lifetime’s savings, then worry no more as these casinos do not expect you to do so. With proper budgeting and self control you can easily just spend the amount that you have the liberty to give away. Thus, you spend little time worrying about whether you are going to win or lose and just dedicate your attention to enjoying the experience of playing since many casinos offer games that can be played for free.Pure fun and amusing excitement Aside from being free, slots also offer a lot of options that you can choose from depending on what you like similar to how you can choose among a lot of roulette systems. The games are designed so well especially with state of the art graphics designs which help the whole game package give a more realistic feel to the players.If you were in a land based casino, you would not be able to have these many options. One of the many edges that online gambling sites offer is the availability of free slots which helped in establishing the name of online gambling among gamblers. Another advantage that online casino has is the convenience they offer to players as they do not have to go out of the house just to enjoy their favourite free slots and other casino games.Players can choose among available free slots online and slots that are only available for certain time duration. Even seasoned gamblers can enjoy playing these free slots as there are those that are designed to fit the needs of the more expert players. In the same way, newbie players can also find free slots appropriate for their levels that would surely satisfy their need for excitement. Inexperienced players can use this avenue to help them get started with gambling because these free slots are very ideal in helping them develop their skills in betting and test how good their lucks are before they try out the real thing and start betting with real money.