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Zero percent APR ccredit cards are not new in the market. Almost every card
issuer offers this facility for attracting more customers. Most of their offers look very
promising for people with huge debt on credit cards.Well there is
no harm in takjng the benefit but you can do it with open eyes.
In the world of real estate, home buyers know or should know that a 20 percent down payment is
a magic number. Why? Well, the payment of such a figure accomplishes two
things. First, it lets you avoid the payment of private mortgage insurance.
Second, it makes lenders view you with a more lenient eye.
If you can manage to bust it up to 25 percent, they will practically throw money at you!
EMIs always change in inverse proportion to duration of
the loan - shorter the term of credit, the higher the
amounts payable per month and the longer credit period, the smaller amount to be paid per month.
Ironically, if you opt for a longer duration you will end up
paying more amount simply bcause interest rate is induced for a long period
of time. You will find that you will have paid more than 20 times the retail price.
Also, failure to pay the monthly payables of the zero percent credit term will result
in higher interest after that as a penalty for not paying on time.
In such eventuality, you will actually end up paying higher than the amount
paid under zero percent because of the interest and other penalty charges.
Whether you're an experienced freelance writer with
a stable of clients who keep you busy, or a newbie just starting
out looking for clients - there's ALWAYS
something to be done. Your days should never be empty.
There is a strange thing that happens to companies when they become too successful:
they become arrogant. Arrogant companies pay lip service to customer service but instead make the
customer feel as if they are bothering the company.
Arrogant companies forget the power of referrals and testimonials - both good and bad.
In the case of Apple's response it only expounded the problem and creating a perception that Apple had become like it's closest
foe Microsoft: arrogant.
The decrease in the sales figures by the Asian car manufacturer is due to
poor sales of cars and trucks. As a matter of fact, the only model
which sold higher this year over February of last year is the Mazda3 vehicle.
For February of this year, the car manufacturer sold 8,667 units of
the Mazda3. This is a 15 percent increase over last year's sales figure for the said model.
Even the fancy Mazda MX-5 Miata did not live up to
its billing for February. Mazda managed to sell 1,107 units of the Miata, which is down by 14.5 percent from February 2006 sales figure for
the model.
I will continue to use the example of the two students
who earned the 84% and 86% averages. For this example,
the students earned their percentage scores entirely from multiple choice tests.
(Students in the real world do more than just take multiple
choice tests. However, for this example that's all they do.) 84%
means that for every 100 multiple choice questions this student attempted to answer,
this student answered 84 correctly. 86% means that for every 100 multiple choice questions this student attempted to answer,
this student answered 86 correctly. By now you are probably thinking: Students' are not
given tests with exactly 100 questions every time.
What about a student that is given a test with only 75 questions, or
the student who is given a test with 150 questions?
In the end it boils down to understanding exactly what your responsibilities really
are. Credit does not come cheap and special deals and offers are
usually just ways to hook you. If you are smart you can use
it to your advantage. If you are not it will cost you.
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