I am stopping by to say "hello" :)
I haven't been here in a while.
I welcome your friendship :)

Lea @ Mother Baby Child & Weight Loss Journal

Hi Carla

I've just joined the group and saw your home page. Did you say mother of 12? Awesome! You look great!

Ever thought about starting a work from home biz? I have a work from home biz that is just awesome. The biz is legit and is very profitable. Thought I would just share it with you to see if you would be interested in joining the biz as an Independent Rep. It is so easy to do and incorporate into your daily routine.

Check it out at http://www.fhtmus.com/irenewatts Look around the site at the products and services offered after you watch the video. All Fortune 500 companies offering products and services used by millions each day. There is no inventory to handle, knocking on doors, etc.

If you are interested, give me a call at 770-222-6467. I look forward to chatting with you and hopefully partnering with you in the Fortune biz.

Also, check out the Feb. featured Mompreneur for the group Mom2Mom - It's me!

Irene

Hi Carla, Just wanted to stop by and say hello. I try to keep up with all of my twittermom friends from time to time. Have a great day. Delete Comment

Just looked at your photos. Wow!

Here's my latest blog. Stay educated with the credit game.

The dangers of a secured credit card

A secured credit card is used only for the purpose of rebuilding your credit. Most banks will charge you a start up fee for the card. This fee can range from $20.00 to $200.00.

The consumer is paying to have a credit card that will charge them interest on their own money. A secured card reports to your credit card just like a real credit card. In some cases it will show secured, but not often. This depends on the company that you get the card from.

My question to many consumer is why would you want to pay interest on your own money? This makes no sense at all. Also, why would you use a card that will lower your credit score when you use it? Most secured credit cards have a minimum deposit of $200.00 or $300.00 deposit. So, when you use more than half of the limit, your score will go down.


More dangers to beware of below:

The company will charge you a high interest rate.
The company will charge you a set up fee, just for the card.
The company will charge you a late fee on your own money if you don’t make the payment on time.
The company will report you late on your own money when you miss a payment on your money.

The only way a secured card will benefit you is when you do not use the card. Let the card work to your advantage. Let the bank pay you money on the secured card, so you gain money. If you are trying to REBUILD your credit this is an excellent way to rebuild your score and make money.

However, you want to use the card to your advantage and the intended purpose. My advice would be to use a secured card like a saving account. Dump any money on the card that you want to save for about a year or longer, just enough for you to rebuild your credit.

Next, pull all your money off the card and close the account (all at once). Remember, the key to credit is playing the credit game. If you do not know the rules, you will loose.

The real question with secured cards is “how much do you want to loose”? One year two years, three years, or forever. Remember, you will pay a yearly fee for that card. If your are paying $59.00 a year, that will cost you around $295.00 for five years.

Last, make sure you get a secured card that has a good interest rate, so you earn more money. Also, one that has a maximum high limit. For example, you can put up to $5,000.00 on some secure credit cards. Most cards have a set limit on how much you can put on the card. So get one that you will benefit from. More blogs like this at www.creditadviseforyou.com

Visit Outspoken Reality Social Network (EDUCATION ON A NEW LEVEL)


Don’t miss out on important information, don’t ignore the signs, and come get blessed with free knowledge. .Outspoken Reality

Hi Carla how are you today? Wonderful-I am sure. Be Blessed today and don't forget to be a blessing. Have a wonderful day.

Thanks for the new site address! Left a comment at your last post! Great article!

Let's set a time when we can talk about Send Out Cards. Get back to me with good times to talk. I think you will find SOC to be really easy. If you can do email, you can do SOC.

Talk to you soon.

Hi. Thought of you today. Be blessed.