work life balance http://www.artwoo.com Returned search results for work life balance Copyright 2008 Wed, 03 Dec 2008 19:21:02 +0000 http://www.artwoo.com/rss/work+life+balance Work Life Balance http://www.artwoo.com/article/work-life-balance http://www.artwoo.com/article/work-life-balance#comments Sat, 22 Apr 2006 23:50:01 +0000 work life balancedaily basisparentswork patternsfamily settingsfamily valuesworking patterns http://www.artwoo.com/article/work-life-balance work life balance is an issue with growing importance these days, as more and more change the traditional and move into different , new, unfamiliar problems in balancing work and life rise, and work life balance suddenly becomes an important subject.

So much has changed in our in the last decade that many people in the western world do not hold on to what was once considered the "" with parents working from home, or splitting work between an office and the home office, family duties, tasks and activities are shifting and changing into a much more flexible and unpredicted setting.

Work life balance is all about managing the time you got with them things you want to do, ask every successful manager and she will tell you that you have time enough to do everything you want to do, as long as you prioritize and fully understand what it is that you want to do in your day. work life balance is about setting limits and truly understanding how much each and every detail in your daily routine is important to you and to your goals.

Two key elements for better Work life balance are prioritizing and delegating. Prioritizing starts by simply understanding that there is way too many things you want to do, and that you can not fit all of them into one day, or some time one week. Work life balance, for many of us, is really about balancing work and family, prioritizing draws a clear picture, sometimes its not a nice one, sometimes you need to give up a lot of your favorite things by prioritizing, but eventually, as your work life balance skills improve -- you will benefit from this. Prioritizing is the first step to better work life balance because it starts the process of understanding the activities limit on a .

Delegating work is another work life balance tool, this is something you can use to deal with growing tasks and not having enough time to manage everything. Managing time is the same as tasks management, and both are in fact the basics of work life management, in the daily routine everyone can do a little something for this life balance, family life can improve significantly by better work life balance, and that's exactly why all the members of a family can contribute to it.

One more thought about work life balance, if you think about it unplanned days pass very quickly, the planned ones can move as fast as the unplanned, but in the end of the day you feel more satisfied, and you know what you did. Understanding the time you got available and figuring out what you want to do with it is a great challenge, as with all life work balance challenges, going to bed at night and realizing you have done 90% of what you planned to do, and that your day had the structure of work and family activities you wanted will make you feel good and strong, some even say that it will make you sleep better at night.

Start thinking about work life balance in your life today, balancing work and life is not so hard and it is something most of us need, you will enjoy more quality time with your family and less personal stress if you start thinking about your work life balance. Good luck. John Furnem is a dot com veteran, specializing in personality psychology he has written articles and held seminars for stress management and Work Life Balance. John currently writes Work Life Balance http://lifebalance.zupatips.com/ articles for ZupaTips.com ]]> 3 Steps To Live A Balance Nursing Career And Life http://www.artwoo.com/article/3-steps-to-live-a-balance-nursing-career-and-life http://www.artwoo.com/article/3-steps-to-live-a-balance-nursing-career-and-life#comments Sun, 06 May 2007 01:24:55 +0000 full time workgive gratitudefriends and familygain balanceperfect balanceadequate sleepfly through the sky http://www.artwoo.com/article/3-steps-to-live-a-balance-nursing-career-and-life perfect balance between life and your nursing career? Everything seems to go in the right direction. You are all for all. You walk on water. You . You feel great about everything in life. Then after awhile life seems to take a different direction. What is up with that?

What is balance between life and a nursing career? It is a fullfillment between your life and career. The week is around 36 to 40 hours per week. More and more organizations are offering flexible working options. Many offer different shifts to work. Many offer scheduling your own days to come in. However many professional nurses are working longer and longer hours. Many have stressful and hectic careers and even lives.

How can you have a balance between your nursing career and life? Here are 3 actions that you can use right now to in your career and your life:

1. Look at your life. Are you where you want to be? Are you spending time with ? Is there a hobby that you do? What do you like to do? What do you do for fun? Write down what you do in one week. Look at what areas need to change or not. This will give you a great outline of what, when, where, and who you spend your time.

2. Learn and put to use the skill of delegation. Is your life full of tasks that someone else could do? Is your plate full? Even delegating a few tasks can give you more time to do what you want. Decide on what you want to delegate out. Be specific on what you want done. Then let go of that task that you have decided on. Most important always to the person that has completed the task.

3. Take care of yourself. I know you know this. We teach it all the time. However it is time for you to take care of yourself for once. Develop and maintain interests that aren't related to your nursing career. Spend time with friends and family. Schedule in time every week for yourself. Even if it is an hour a week. Get . Get exercise 3 to 4 times a week. This helps to regenerate your energy, your body, and your mind.

Are you living a balance life? Do you take time to relax and enjoy life? Or are you on a sprint? Are you going in circles? Are you ready to take action to a balance life and nursing career today? Amanda Young, RN, founder of The Time Mastery, specializes in helping nurses to get more done in less time and gain balance in their personal and career. To learn more on how you can get more done and get balance in life today get your free course at http://www.thetimemastery.com ]]> Dealing With Credit Card Balance Transfers http://www.artwoo.com/article/dealing-with-credit-card-balance-transfers http://www.artwoo.com/article/dealing-with-credit-card-balance-transfers#comments Thu, 21 Feb 2008 15:20:01 +0000 balance transfer credit cardsinterest free balance transfercredit card balancesinterest free balance transfer credit cards0 balance transfer credit cardsbalance transfer credit card0 credit cards http://www.artwoo.com/article/dealing-with-credit-card-balance-transfers credit card balances from expensive, high rate cards onto low rate or even interest free s over recent years. Balance transfers have become an effective way to avoid paying costly interest charges on credit card balances, and with both 0% credit cards for balance transfers and low rate life of balance transfers available there is something to suit most needs and circumstances.

The idea behind balance transfers is that you save money on the cost of interest, which on standard credit cards can be extremely high. You therefore need to pick the right balance transfer card for your needs based on your repayment habits. You will find two different types of balance transfer credit cards available, and this includes the 0% balance transfer credit card and the life of balance transfer credit card.

Actually transferring your balance is a very simple process. All you will need to do it provide the details of your existing credit card balances and account numbers to your new provider, and your new provider will arrange for those balances to be cleared through your new balance transfer card. Your old balances will then be transferred onto your new card, leaving you with just one convenient credit card balance to deal with, on which you will be charged either no interest or a very low rate of interest. You need to make sure that the credit limit on your balance transfer card is high enough to accommodate the combined total of the balances that you are transferring. You also have limited time within which to transfer your balances, so make sure you check what this is and act within plenty of time.

0% balance transfer credit cards

One type of balance transfer card is the 0% balance transfer card, and with this type of credit card you can transfer the balances from your existing cards and enjoy a specified period of interest free credit, which means that you can effectively clear the balance without being hit by further interest charges =96 however, you have to clear the balance within the 0% period in order to benefit fully, as otherwise your remaining balance will accrue interest at the lender's standard variable rate.

Most 0% balance transfer credit cards will charge a percentage of the amount being transferred to the card by way of a transfer fee, and this usually varies between 2-3% - this is something that you will need to check when you compare different 0% balance transfer credit cards.

Life of balance transfer credit cards

If you are concerned that you will not be able to clear your transferred balances within a set period then you may fare better with a life of balance transfer credit card. With these cards you transfer the balance in the same way, but rather than getting 0% on your transferred balance you are charged interest. However, the interest rate charged on the transferred balance is way lower than standard rates, and providing you pay at least the minimum amount requested each month you get to enjoy this low rate for the life of the transferred balance. Joe Kenny writes for the credit card comparison sites, http://www.creditcardstore.co.uk/ and also http://www.comparethem.co.uk/credit-cards/ ]]> 4 Steps For Achieving Easy Balance http://www.artwoo.com/article/4-steps-for-achieving-easy-balance http://www.artwoo.com/article/4-steps-for-achieving-easy-balance#comments Wed, 16 Aug 2006 00:27:24 +0000 dream maproad maptop 3askwork at home momreduce stressindex card http://www.artwoo.com/article/4-steps-for-achieving-easy-balance work at home mom, it can be hard to strike a balance between business and family life. Your children need you, but so do your clients. Finding that perfect balance helps and enables you to experience more harmony in your life. But exactly how do you find that balance?

Here are 7 tips to help you achieve greater balance.

1) Dream of your perfectly balanced day. -- Find a quiet place and yourself, "If I could have the perfect day -- what would it look like?" Be very specific. What do you see, smell, feel, experience? Write it down. Make a by cutting out pictures that remind you of your perfect day. Having a clear vision of what you want is the first step to creating a to get there.

2) Make a list of things you would like less of and more of in your life. Rate each of those likes on a scale of 1 --10 with 1 being things you like least and 10 being thing you want most.

* Write down the things you want more of in your life. Then write 1 idea of how you could get MORE of that in your life.

* Then write down the top 3 things you want less of in your life. Make a note of ways that you could have LESS of that in your life.

3) Create a daily and weekly to do lists. When you write items on this list, be sure to ask yourself, "What 3 items, if I did them would make the greatest impact with the least amount of effort?" Then write down those things. Limit it to three so your list is do-able.

* By prioritizing, you can do the things that really matter most in your work and life.

4) Review your daily top 3 priorities every morning. Consider writing them on an and sticking it somewhere where you'll see it like on your computer.

Summary: You are in control of your life. With every decision you make you shape your own reality. Balance is simply a matter of knowing what you want and making good decisions. By deciding what you want, making a plan, and actively going for it, you can create the life of your dreams. Kristie Tamsevicius, is the author of "I Love My Life: A Mom's Guide to Working from Home"! Thousands of aspiring entrepreneurs have used her step-by-step home business system to earn money working from home. Get a free ecourse Home Business Success Secrets at http://www.webmomz.com/ilovemylife1.htm ]]> The Ins And Outs Of Balance Transfers http://www.artwoo.com/article/the-ins-and-outs-of-balance-transfers http://www.artwoo.com/article/the-ins-and-outs-of-balance-transfers#comments Sun, 29 Oct 2006 06:27:07 +0000 0 on balance transfers0 balance transferinscredit cardscredit card balancecard detailsbanking systems http://www.artwoo.com/article/the-ins-and-outs-of-balance-transfers credit cards, or are looking to get another card, then it pays to know about the and outs of balance transfers. If you use balance transfers correctly you can save yourself a lot of money in interest payments on your debts. If you are uncertain about how to use balance transfers properly, then here is some advice on the ins and outs of balance transfer?

What is a balance transfer?

A balance transfer is simply where you transfer part or all of one to another credit card. You are effectively using one credit card to pay off another one. For example, if you have one credit card with a £1000 balance and another card with no balance, you could transfer some or all of that £1000 onto the card with no balance.

How do I make a balance transfer?

Making a balance transfer is extremely easy, especially if you have online banking. IF you have just got a new card then it is likely that you will asked if you want to make any balance transfers straight away. If you do then you simply give your other to the new card issuer along with the amount you want to transfer and they will sort it out for you. Also, on most online there is a feature to allow you to make balance transfers at any time.

Costs of a balance transfer

Unless you have a special rate for balance transfers, there is usually a cost involved in making a balance transfer. These rates can vary, but are usually either a fixed fee or about 2% of the amount to be transferred. When transferring a balance it is important to take these charges into consideration, because it may cost you more than the money you are saving if you have to pay a variety of fees.

0% balance transfer offers

One good way to make balance transfers work for you is to get a card with 0% on balance transfers. These cards usually charge a fixed fee for transferring your balance, but offer 0% interest on the amount you transfer. This 0% rate usually lasts for around 6 to 9 months, during which time you will not pay interest on your transferred balance. This is especially good for people who are currently struggling to keep up with their credit card payments due to high interest rates. However, you must remember that new purchases on these cards will be charged at the standard APR, and that after the 6 or 9-month period you will have to start paying interest.

Consolidating balances

Perhaps the best way to use balance transfers to your advantage is to consolidate your credit card debts. If you have a number of credit cards with different interest rates and balances, then try and transfer as much as you can to the cards with the lower interest rates. This will save on your interest, and as you pay off the debt you card start to transfer more and more onto the lower interest cards. If you use balance transfers wisely then you can really reduce the interest that you pay and keep up with your credit card repayments. Peter Kenny is a writer for creditcards-gb Please visit us at http://www.creditcards-gb.co.uk and http://www.thriftyscot.co.uk/Credit-Cards/ ]]> Balance Is Firing Stress http://www.artwoo.com/article/balance-is-firing-stress http://www.artwoo.com/article/balance-is-firing-stress#comments Thu, 31 May 2007 08:19:50 +0000 run errandssymptoms of stressemotional stressstress levelsfrequent headachesrushfriends and family http://www.artwoo.com/article/balance-is-firing-stress rush. You rush to work. You rush to on your lunch break or after work. You put more projects onto your calendar. What if you could have more time? Time to be with . Time to do what you want to do for once. However lately does it seem impossible to fit in a social life? A social life seems like a crazy idea right now?

People are working more and more, working harder,and having less time for a social life. It is a fact. Many people put a lot on their plates. They think they are superman or superwoman. Many people are getting burned out and end up sick. How much is on your plate right now? Having less social life is actually a danger. Do you suffer from migraines, , problems with concentration, being over tired, or isolated from friends and family? Theses are a few common . Being aware of your is a great indicator that you need more balance in your life especially in the social area. Our bodies and minds thrive on a healthy balance between our work and social life.

So how can you get more social life back into your life? Where do you start? Here are a few ways to put social life back on your calendar. Mark it with an "S" (social).

1. Get a calendar of some sort. Whatever kind of calendar that works for you. Start planning social events onto your calendar. Ask yourself what do you like to do for fun. Ask yourself who do you like to spend time with. Once you know what and whom you want to socialize with, start planning events.

2. Some social events you can do are going out to dinner, go dancing, do drive go-carts, or go to a concert. Join a health club with a friend. Exercise is a great way to restore your physical and . Grab a friend and go shopping. These are some things you can do. The list is endless.

It is time to start socializing. Parents push their kids to socialize with others. They put them in all kinds of activities. However many adults don't do it themselves. It is time for you to live a balance between your career and fun. You can only maximize today and tomorrow. Amanda Young, founder of The Time Mastery, specializes in helping people get more done in less time in their career and personal life. To learn more on how you can get more done and gain balance in your life today. Grab your free simpleology course at http://www.thetimemastery.com ]]> Achieving Work/Life Balance http://www.artwoo.com/article/achieving-worklife-balance http://www.artwoo.com/article/achieving-worklife-balance#comments Wed, 07 Feb 2007 18:27:06 +0000 glass ballswork life balancemythchoicesnirvanalittle boxeswrestle http://www.artwoo.com/article/achieving-worklife-balance
If you mean that -like state where you are successful, fulfilled and happy at work and at home, the short, brutal answer is that you probably won't. But that doesn't mean you shouldn't with the issues.

There are lots of s about work/life balance. Here they are, along with some of the corresponding realities.

The first myth is encapsulated in the language we use. The issue really isn't about work/life balance at all.

Reality: the problem is not about balancing work and life. It's about making about different parts of life and their importance just now. Work is a part of life. So is being a spouse, a friend, and a parent. So is caring for yourself and growing.

This is not balance like on a scale. This is balance like choosing the mix of ingredients that go into a fine salad or complex soup. The ingredients not only have their own flavor and texture, they also affect the flavor of other ingredients and contrast or complement the textures.

Myth: you can have it all.

Reality: you can have it all. But you probably can't have it all at once. There are times in your life when it's vitally important to pay attention to your career. At other times, family concerns may be more important. Sometimes the important thing is education. Sometimes it's putting back money for retirement.

I like to think of those choices as an act of juggling. Every now and then one of the balls you're juggling will drop to the floor because you're paying too much attention to the other balls. That's OK most of the time

But some of the balls you're juggling are . If they drop, they break, and often can't be put back together again. Relationships are often glass balls.

Myth: it's possible to keep life in and keep each one under control. Life is a collection of individual areas.

Reality: Life is a giant system made up of interconnected parts that affect each other. Life is about trade-offs.

If you take time to go to the gym, you can't use that time to shop for groceries. The money you spend on self-development courses will probably affect what you spend on vacation or what you put back for the college fund for your kids. When you're on a business trip, you can't be at the dance recital.

The trick is to make the choices yourself instead of letting them happen to you. Set your priorities. Make your choices in line with them. Many successful people, for example, believe that family time is important. They act on that belief by scheduling that time first, every year or month or week.

Myth: anyone can achieve a good level of balance if they work hard to do it.

Reality: In today's world, real andquot;balanceandquot; is often a luxury for those who have lots of money. It's true that money can't buy happiness, but money can buy a vacation where you spend time with the family. It can buy a housecleaner, cook, or nanny and free up time you can spend with your spouse. It can pay the tuition on a college degree.

That doesn't mean you can't achieve some balance in your life. It does mean that there are limits on what you can do. Shaking your fist at the sky about them will do very little good.

Myth: my company will help me achieve balance.

Reality: Many workplaces today are not much different than third grade classrooms. You may not need a hall pass to go to the restroom, but you probably need permission to take the afternoon off for a school field trip, or you have to lie about what you're doing and take a sick day.

If you're going to achieve any kind of work/life balance, it's going to be up to you. Set your priorities. Then make your choices based on those priorities. Wally Bock He works with a limited number of managers to help them improve their personal and business results (http://www.threestarleadership.com/coaching.htm). Request Wally's free Life Balance Analyzer (http://www.threestarleadership.com/lifebalanceanalyzer.htm ). ]]> Life Coaching http://www.artwoo.com/article/life-coaching http://www.artwoo.com/article/life-coaching#comments Thu, 21 Dec 2006 00:27:11 +0000 different strokesstressparentsjobhusbands and wivessad but trueachieve success http://www.artwoo.com/article/life-coaching achieve success in both career and family. You always have to choose one over the other. But wouldn't it be great if you can have both? With the fast pacing world we live in today, we often choose career over family basically because we need our to feed our family, to provide them with a decent home, to send the children to quality schools, to provide the family with the comfort that they need, so forth and so on. The list seems to be endless. And in our effort to provide our family with all the material things and comfort, we have forgotten to give them the most important and that is our Time.

. Countless of families are breaking up each day not because of financial reasons but because just doesn't have the time to become parents. grew apart since they no longer have time to spend for each other. These are realities that people today are facing. What to do?

If we are to carefully analyze things the real root of the problem is TIME. So this should be your focus. How you can have enough time for both your family and your career. It may not be easy because there would always come that point when your time for your job would complicate with the time for your family. And often the career is chosen over the family.

What you need to do is to balance your life and a great part of it will entail balancing your time.

How to Have a Balanced Life? There is no such thing as one-size-fits-all solution. Different folks, . One solution may work for some but not for others. Here are some tips that may help you in balancing your life; choose those that you think are applicable on your part:

• Exercise whenever you can. It relieves the body with and helps you to feel better about yourself. • Pray always. It can provide you with inner peace and also helps in relieving you with stress. • Find a hobby which you can share with your kids. You not only get to enjoy but also at the same time is bonding with your kids. • If you are single try to meet other people. Go out on dates, have sex, enjoy life.

Work Life Balance and the aspiration to reach more harmony in your life is something that almost every has as a goal, the life balance subject, or life harmony as it is sometimes called, is something that can bring a huge change into you life, you should always work your way towards you target, no matter what other people tell you and the usual pessimism that people project, trust and believe in yourself, and build you life the way you want it to be. Life balance is something that we all need, improving our everyday life and making us happier is the most important goal we have. Learn more about Life Balance and Change Management at http://lifebalance.zupatips.com/ ]]> A Review Of The Balance Company Income Opportunity http://www.artwoo.com/article/a-review-of-the-balance-company-income-opportunity http://www.artwoo.com/article/a-review-of-the-balance-company-income-opportunity#comments Thu, 02 Oct 2008 18:43:24 +0000 abundant healthhealth experienceraw fruitmultilevel marketingphenolssalesmanshipmarketing programs http://www.artwoo.com/article/a-review-of-the-balance-company-income-opportunity multilevel marketing programs, it does involve a very real level of on your part.

This company believes that each of us should take advantage of each day to the fullest, like it was the last days of our lives. And that you can have if you work for it. The companies product solutions will show you how earn income and to simultaneously balance your life at the same time. They seem to have a lot of innovative products and great ideas that will allow you to acheive long-term wealth and well being.

The Balance Company produces Phenolmenol, a beverage that provides the drinker with an extra boost in the that even doesn't really provide. For people who are interested in making a health a part of their lives in every fashion, the philosophy of this company is a good one. The Balance Company seeks to provide a holistic to both their vendors and their customers, and along with Phenolmenol, there are many different products that can help you work the concept of healthy living into your life and into that of your family.

The important thing to ask yourself when you are considering The Balance Company's opportunities is whether or not your would thrive in their system. Essentially, once you became one of the company's representatives, you will be selling their products. With every sale, you'll move up the compensation ladder; the further up you are, the more you will get per sale. Because The Balance Company believes in rewarding high performance, there are many different prizes available once you have hit certain goals. One of the best things that this company offers is that it does give a great deal of support. This can be very important for people new to the industry.

One thing that The Balance Company insists on is that you will be able to make sales very simply due to the desirability of the product. While the products that The Balance Company offer do seem to be quite attractive and a cut above the rest, remember that you should probably take this with a grain of salt.

It is certainly one thing if you already own a health store of some sort and want to stock the products made by The Balance Company; it is another if you are a totally independent operator who is looking for something to do on the side. If you have a wide social network and are interested in selling to them, this is an opportunity that might suit you; otherwise, you may be better off with an opportunity that offers you a little bit more in the way of support and direct sales.You can read our Unbiased, expert review of The Balance Company from Brian Garvin and Jeff West at MLM Review Kings. This article may be used royalty free provided bio and links remain intact.]]> Work Life Balance And Burnout http://www.artwoo.com/article/work-life-balance-and-burnout http://www.artwoo.com/article/work-life-balance-and-burnout#comments Mon, 24 Jul 2006 00:27:09 +0000 daily basiswork life balanceburnoutlife adultsenvironment stressworking environmentcareer http://www.artwoo.com/article/work-life-balance-and-burnout work life balance routine is the risk of , burnout is something that can be experienced without relation to work life management, and is also related to the work load and working . There is no doubt that better work life harmony will decrease the chances of a burnout and will provide a mental safety net for anyone juggling between a demanding job and a family life.

Most of the adults in our world are expected to have a family and maintain a regular family life, with the proper time invested in quality time with the children and some time with the significant other to support a healthy family life, adults are also expected to work and contribute to the financial status of the family, maintaining a and working in a business on a .

When both partners work every day, the mental cost of making the necessary adjustments and compromises in terms of work is very important, most of the compromises first claim the free and quality time that is devoted to the family life and immediately after that they turn to the career or business needs. when someone is having a hard month it usually means that something in the home environment needed more attention than usual and that created a work load in the business, once the individual got back to work he finds that the work load is impossible to deal with, and he can try and get as much as possible done in the shortest time, usually meaning he will need to work nights, and spend every waking minute trying to close the gap.

This stressful situation usually results in a burnout. Avoiding reaching a burnout is not as difficult as it seems, work life balance has a lot to do with time management and life management, once you decide you will manage your time and you life better, it will be easier to maintain the work life balance you are looking for.

The first thing is to admit you can not close the gap and that you need help, or at least the understanding of you business partner or supervisor, almost everyone can understand that a family sometimes deals with extraordinary situations, and that sometimes things go not as planned, ask for a few minutes talk and explain that this situation has led to a overwhelming work load and that you will not be able to finish all of it in the near future, you can even ask for advice on how to work efficiently.

The other things you can do is focus on yourself for a couple of days, keep working and do your home related tasks as usual, just try and keep some kind of track on how you are feeling and if you finish your day feeling exhausted and without any energy. If you notice that day after day you feel drained you should draw conclusions, talk with your partner about decreasing your task load and consider changing your job hours or even trying to find a work that you can manage better in your life. John Furnem is a dot com veteran, specializing in personality psychology he has written articles and held seminars for stress management andamp; Work Life Balance. John currently writes Work Life Balance articles on http://lifebalance.zupatips.com at http://ZupaTips.com ]]> Tips And Tricks About Balance Transfers http://www.artwoo.com/article/tips-and-tricks-about-balance-transfers http://www.artwoo.com/article/tips-and-tricks-about-balance-transfers#comments Thu, 30 Nov 2006 06:27:04 +0000 credit card balancecredit card balancescredit card issuerscredit card accountcredit card paymentsfree balance transferpay off credit cards http://www.artwoo.com/article/tips-and-tricks-about-balance-transfers pay off credit cards is a strategy that many people use. When using this tactic cardholders should use both the old and new card responsibly.

When you use one credit card to pay off another you are doing what is known as a balance transfer. Many consumers use the balance transfer as a way to keep from becoming delinquent on their . Theoretically, you can keep transferring balances between credit cards indefinitely as long as you have a credit card that allows the transfer.

Different have different terms regarding a balance transfer. The most important of these terms are the interest rate to which the balance transfer is subject, the total amount that can be transferred, and any fees associated with the transfer. When you are making a decision about transferring a balance to a credit card these are the primary factors that you should consider. Each of these factors has an effect on the amount you will end up paying for transferring the balance.

The ideal credit card for transferring balance is one that has a zero percent APR, a high limit allowed for the balance transfer, and no fee associated with the transfer. With these conditions in place, you are able to transfer a for free.

If you are looking for a way to pay down some of your credit card debt, using a is the best way to do so. By transferring your to a credit card that does not have associated interest rate or fees, you can pay off balances easier. You can find a lot of help here http://www.balance-transfer.com/.

When you do a balance transfer, you should close out the old immediately. Doing this will curb your spending, ensuring that you do not become deeper in debt.

Another rule of thumb to follow when you are working with balance transfers is not to use the new card to make any purchases. Once you have transferred the balance to the credit card, you should put it away. Don't use the card until you have completely repaid the amount of the balance transfer. If you use the card to make purchases, you have nullified the benefits of transferring the balance to a new credit card.

If you use a zero percent APR credit card for the balance transfer, you must make sure you are aware of the terms and conditions of the credit card. In many cases, you lose out on the advantage of not having an interest rate if you make a single late payment.

You should be aware that transferring balances might not necessarily improve your credit rating or standing with the credit reporting agencies. Since credit bureaus look at your total balances and available credit, juggling debts does not improve your credit score. In fact, if you have too many credit cards open at one time, your credit score could be negatively impacted.

There are pros and cons to using balance transfers with credit cards. Using them responsibly can help a great deal. Abusing the privilege might put you in a worse situation than you began with. Fruzsina Csery is a freelance copywriter. She occasionally writes for http://www.balance-transfer.com/. ]]> Balance Transfers And Credit Cards - What You Need To Know http://www.artwoo.com/article/balance-transfers-and-credit-cards-what-you-need-to-know http://www.artwoo.com/article/balance-transfers-and-credit-cards-what-you-need-to-know#comments Sun, 30 Sep 2007 00:35:00 +0000 credit card balance transferscredit card balancerate credit cardscredit card holderscredit card accounthigh interest ratebalance transfer http://www.artwoo.com/article/balance-transfers-and-credit-cards-what-you-need-to-know credit card holders today who aren't familiar with s, what they are, and how they can be used to manage your outstanding debt.

To complete a balance transfer, when referred to in relation to credit cards, is simply the process of moving an existing balance on one credit card over to another . This is usually done in an attempt to lower the overall interest rate that is paid on credit card debt.

So when are balance transfers a good idea? If you're currently carrying balances on one or more high interest and can't pay them off in full at the end of each billing cycle, you're a prime candidate for a balance transfer. The best thing to do in this circumstance is begin searching for credit card offers with a 0% interest rate on all balance transfers (for a pre-defined period of time). Once you've found a card that you would like to apply for, fill out your application and wait for the approval process to run it's course. When you've been approved, simply transfer the balances on your existing cards over to your new card.

Balance transfers aren't a good idea if the card that you are moving the balances over to has a higher interest rate than what you're currently paying. In my opinion though, this is one of the rare instances where a balance transfer wouldn't be helpful.

One thing to be careful with when it comes to transfers is doing the transfer, and then running up the balance on the cards again that were cleared out. Unfortunately, there are people out there who fall into this trap and end up with more debt than then started out with as a result. The key to benefiting from balance transfers is to use them responsibly. For more tips, visit the Credit Card Forums at http://www.TheCreditCardForums.com/ today. Read reviews on airline miles credit cards and more! Membership is free. ]]> Balance Transfer Credit Cards: A Way To Consolidate Debt http://www.artwoo.com/article/balance-transfer-credit-cards-a-way-to-consolidate-debt http://www.artwoo.com/article/balance-transfer-credit-cards-a-way-to-consolidate-debt#comments Fri, 19 Jan 2007 04:27:05 +0000 balance transfer credit cardscredit cards workbalance transfer credit cardcredit card debtcredit card issuerstransfer credit cardbet http://www.artwoo.com/article/balance-transfer-credit-cards-a-way-to-consolidate-debt Credit card debt is a fact of life for millions of Americans. Once you have credit card debt racked up, it can be difficult to get rid of. s provide a solution to this problem. By understanding how they work, you can use balance transfer credit cards to help you get out of debt.

How Balance Transfer

Balance transfer credit cards allow you to transfer the amount due on other credit cards to their card. Many offer a low interest rate or a 0% APR introductory rate on the transferred amount. This way, you can avoid paying hundreds of dollars on interest. By making payments each month, you reduce the balance and save on interest expense.

Understand the Fees

Balance transfer credit cards come in many shapes and sizes. Some charge a fee to transfer balances; others do not. Some offer low interest rates for a certain period of time; others allow a fixed low interest rate on the balance until it is paid off. Certain balance transfer credit cards come with a rewards program or additional perks. While balance transfer credit cards offer a great rate on the initial transfer, some include a high interest rate on new purchases. The payments you make will first be applied toward finance charges, then the transferred amount, and finally the new purchases. Your best is to find a balance transfer credit card that offers 0% APR on new purchases for the length of the promotional period. You may be surprised at how may are offering 0% APR on both the balance transfers as well as on new purchases for up to 12 months.

Study your Finances

Before you apply for a balance transfer credit card, be sure that you understand your financial situation. Look through your credit cards and the interest rates on them. If you are carrying balances with high interest rates, you may be spending hundreds of dollars each month on interest. It could take years to pay off the initial amounts placed on the cards. By transferring the balances to a credit card with a low interest rate, you can pay off the amounts faster. Also, balance transfer credit cards allow you to consolidate your debt. Keep in mind that some balance transfer credit cards only offer a low interest rate for a certain period of time. Many cards have a high interest rate or variable interest rate that kicks in after six months or a year. If you haven't paid off the balance by then, the higher interest will continue to increase your debt and work against you. If at all possible, you will want to pay off the credit card debt that you transfer within the grace period.

Transfer Away

After you have done your research and understand your finances, you are ready to apply online for a balance transfer credit card. Pick one that suits your needs. Then set up a system to pay off the balance. Balance transfer credit cards can provide the first step toward getting out of credit card debt. By placing all of your credit card debt in one place, you can make just one easy payment each month. You also will be able to enjoy paying 0% interest for a period of time on your balances. With a little planning, you will soon be on the road to zero credit card debt and good money management. Click here to find http://www.credit-card-surplus.com/balancetransfer.php. Ed Vegliante runs http://www.Credit-Card-Surplus.com, a directory helping consumers to compare and apply for credit cards. ]]> Best Balance Transfer Credit Cards May Save Your Life http://www.artwoo.com/article/best-balance-transfer-credit-cards-may-save-your-life http://www.artwoo.com/article/best-balance-transfer-credit-cards-may-save-your-life#comments Thu, 10 May 2007 01:29:53 +0000 balance transfer credit cardsbest balance transfer credit cardscredit card balance transfercredit card balancecredit card companieshigh interest ratesfalse sense of security http://www.artwoo.com/article/best-balance-transfer-credit-cards-may-save-your-life false sense of security. Somehow you find yourself being lured to make purchase after purchase by that little piece of plastic between your fingertips. It's a very common scenario. And if you are a part of the working class, it's not likely that you will be able to afford to pay your balance in full. So you find yourself paying the minimum amount due printed on your statement every month, only to find out months later that you're not that far from where you've started.

The reason for this is compounded on top of your outstanding balance. Some charge interest of up to 18%. And if you are only paying minimum, or slightly above minimum, you just can't win. Its time to think of an alternative and that is finding the best .

What Is a Transfer? Simply put, a balance transfer means moving your debt from one credit card to another. This is a very good way of saving money. If you have more than one credit card, you can even consolidate your debts by transferring all your outstanding balances to just one card. Many credit card companies offer an interest-free period, making them the . There are also some offering considerably lower interest rates than what you are putting up with.

How Does It Work? A credit card balance transfer is pretty straightforward. All you need to do is apply for a new credit card. Once approved, you can give the details of your old credit card to the new issuer and they can transfer the balance for you. If your new credit card has an online banking feature, you can even do the transfer yourself. Of course, you have to do your research and find the best balance transfer credit cards that fit your needs.

How Can I Find the Best Balance Transfer Credit Cards? Research might be painstaking but it can help you find the best balance transfer credit cards. Find a credit card that would let you transfer your outstanding balance from your old card with a 12-month 0% annual percentage rate, or APR. Also make sure that the new credit card offers low interest rates after the period is over.

Read the Fine Print. If you plan to make purchases with your new credit card, be very careful. Even if they have a balance transfer rate of 0%, most credit cards still offer the standard, and sometimes even higher, interest rates for purchases. Any payments made goes towards your balance transfer. As a result, interest is compounded each month until your balance transfer is paid in full. The best balance transfer credit cards offer 0% or low interest rates for both the balance transfer and purchases. Also be aware that some credit card companies will charge a transfer fee for every balance transfer.

Protect Yourself. Once you have chosen the best balance transfer credit cards for your needs, don't be too cocky to take further precautions. Where money is concerned, there are a hundred and one ways for things to go wrong.

=95 Do the balance transfer as quickly as possible. Most credit card companies have a limited period for you to take advantage of any promotions.

=95 If the approved credit limit is not high enough for your outstanding balance, just move what you can. Most people make the mistake of not using the new credit card because the credit limit is not high enough.

=95 Even with an interest of 0%, it is still debt. Always pay at least the minimum amount required to avoid penalties, or worse, losing the deal offered by the best balance transfer credit cards that you chose.

Manage your credit cards responsibly, or else you just might create more debt without a way of paying for it. Interested in best balance transfer credit cards ( http://www.creditcardmonitor.org/balancetransfers.php )? Visit http://CreditCardMonitor.org today and find easy to get credit cards ( http://www.creditcardmonitor.org ), particularly zero interest credit cards ( http://www.creditcardmonitor.org/lowinterest.php ). ]]> Goal Setting And Expectations http://www.artwoo.com/article/goal-setting-and-expectations http://www.artwoo.com/article/goal-setting-and-expectations#comments Tue, 30 May 2006 09:32:58 +0000 set goalsthing to remembergoal settingwork life balanceaskcleatimagines http://www.artwoo.com/article/goal-setting-and-expectations Goal setting is not only about the goals but also about what the person expects to get from these goals, the road he or she on their way to these desired goals, and the force in which they imagine getting there.

Expectations are not only important, they are critical for one to achieve the goals he set out for himself, the can be the driving force behind a person with clear and and, on the other hand, may turn out to be the discouraging and breaking elements behind the same person.

The first that in goal setting the goals as are the expectations are yours, you will need to yourself the basic questions, what is it that you expect to get from a more balanced life? Is it more free time? closer relationship with your spouse, partner or significant other? more time to pursue an advanced degree? Maybe you want to take some hobby or learn something new? Any or all of these things are great goals, but your expectation to achieve balance must take into consideration that some of these goals will take more time away from your family. Its pretty simple when you think of it, investing some time in one thing will ultimately take up time from another. The basic thing you have to do is to be very clear about your goals and about your expectations. What does balance mean for you? Is it more time for yourself? Do you dream of more time for your family? Don't make a promise to get more work/life balance and then squander that balance with poor planning. This kind of approach will leave you in a worst condition than what you have started at.

Keeping expectations realistic is an important thing, do not let your own ambition and expectation create a barrier for you in the future, be very about what do you expect to achieve and how will this balance change your life. Ask yourself if your expectations are realistic for the planned timeframe and actions you want to take or are you dreams too large, sometimes we can create a perfect picture in our mind that is unreachable in the time frame we set, it is better for you to have realistic targets you can reach. Once you have your own expectations under control, you'll need to look to your employer and your family and friends to be sure that you understand and can meet their expectations. If you have your own family you will need to listen to what they want too. It is all well and good that you expect to regain some balance in your life but if you need to fill in a huge hour quota at work you will have great difficulties to achieve your goals, it is always best to realistically examine the situation, and if need be, talk to your employer and ask to change your working patterns to allow you with more space for balanced life.

Try and make sure that the people around you know and understand your reasons for better balanced life and ask for their support and encouragement, this can include you wife, children, parents, and even your boss. Once you get the plan right, you can move forward more quickly and succeed in you better . Jonathan Mayheart, with a solid knowledge of personality psychology and BioData, has published articles on goal setting, personal goal setting and business goal setting . Jonathan writes for ZupaTips.com on http://goalsetting.zupatips.com/ ]]> Balance Transfer Credit Card Offers: What You Need To Know http://www.artwoo.com/article/balance-transfer-credit-card-offers-what-you-need-to-know http://www.artwoo.com/article/balance-transfer-credit-card-offers-what-you-need-to-know#comments Mon, 19 Nov 2007 09:35:01 +0000 balance transfer credit cardsbalance transfer credit cardthis means thateducate yourself0 aprhigh interest ratesaim http://www.artwoo.com/article/balance-transfer-credit-card-offers-what-you-need-to-know balance transfer credit card your ticket out of credit card debt? It can be. If you're having trouble paying off a steep balance and the high interest that goes with it, a balance transfer credit card could be the right solution for you. But before filling out an application, take a few factors into consideration. on the balance transfer process, and you'll get the most out of your credit card experience.

What Are

Balance transfer credit cards have a certain appeal that separates them from other forms of plastic. They offer applicants the chance to shift a balance from a high-interest card to a low-interest one. In fact, most balance transfer cards come with an initial 0% interest period. This means you can make payments that are directly applied toward the balance. As you pay down the debt, you can save hundreds of dollars on interest expense.



How to Compare Balance Transfer Credit Cards

Many balance transfer credit cards appear to be the same, but in reality they vary quite a bit. Check the following details as you sift through the options:

Length of introductory period =96 The initial period of no interest may be as short as three months, or as long as fifteen months. If you for at least 12 months of 0% interest, you'll have ample time to pay off the balance.

What the 0% APR applies to =96 Some balance transfer credit cards offer you 0% APR only on the balance. you will be charged a higher interest rate when you make a purchase. Moreover, all the payments you send in will first be applied to the balance, and then to the purchases. While you pay down the balance, the new purchases and their attached will sit and accrue on your statements. Eventually, you could pay more in high interest than you planned on. To avoid this, look for a card that offers 0% APR on both balances and purchases. Or limit the use of your card until you pay off the transferred balance.

Check the fees =96 Most balance transfer credit cards charge an initial fee for bringing over the new balance. This is sometimes a certain percentage of the balance amount. Banks often include a cap, such as $50 or $75, on the balance transfer fee. The savings you receive on interest usually outweighs this expense.

Additional benefits =96 While balance transfer cards offer you a chance to pay off nagging debt, many come with other features as well. Some balance transfer credit cards include a rewards program. Others have a low interest rate that kicks in after the introductory period. Think long-term before you apply. Consider what benefits you'll want after you are debt-free.

Using your Balance Transfer Card

Balance transfer credit cards can be a solid solution if they are used properly. After you have made the balance, think about creating a payment plan to get rid of the debt. Set aside money each month for card payments. If at all possible, pay off the balance before the introductory period runs out. As the balance dwindles, you'll gain control of your finances. You'll also begin to build a stronger credit history. When the balance is gone, you'll be able to enjoy the card's additional benefits. To View Balance Transfer Credit Cards click the following link: http://www.credit-card-surplus.com/balancetransfer.php . Ed Vegliante runs http://www.credit-card-surplus.com , a directory helping consumers to compare and apply for credit cards. ]]> The Run Down On Balance Ball http://www.artwoo.com/article/the-run-down-on-balance-ball http://www.artwoo.com/article/the-run-down-on-balance-ball#comments Sun, 21 May 2006 15:32:24 +0000 balance ballexercise equipmentneuromuscular systemexercise ballfitness ballfitness communityback pain sufferers http://www.artwoo.com/article/the-run-down-on-balance-ball Balance Ball is also known in a variety of different names. However, the most common name for Balance Ball is called, the Stability Ball. Balance Ball is also known as Swiss Ball, , and Physio Balls.

The Balance Ball has had long-standing success in the world of clinical rehabilitation. However, due to their effectiveness in developing balance and core strength, athletic trainers, coaches, personal trainers and physical education teachers have begun to integrate them into their programs. Now they are the new craze in the world of athletic and functional conditioning.

The history of the Balance Ball originates back to the early 1960s. It was made by an Italian toy maker, Aquilino Cosani, and sold primarily in Europe as the Gymnastik. The balance ball is a conservative treatment option for and is designed to help prevent further episodes of low back pain as part of a rehabilitation program. The exercise ball is effective in rehabilitation of the back because it helps strengthen and develop the core body muscles that help to stabilize the spine.

Once limited to the rehabilitation and clinical setting, the Balance Ball has permeated to all sectors of the health and . In clinics they are still used to provide gentle proprioceptive stimuli for individuals recovering from surgery. The balance ball is fun, it's colorful and everybody from pediatric patients to geriatric patients literally find the Balance Ball to be something unique and that they can generate some enthusiasm about. The unique thing about the Balance Ball is that they utilize the in a way that no other I have come across has. That is that they incorporate the use of:

1. Multiple muscle systems 2. Neurologically induced muscular responses 3. A normal and natural process of balance 4. The body's own normal processes, to establish and restore balance. The Balance Ball has had long-standing success in the world of clinical rehabilitation. Find out How the Balance Ball can Improve your Fitness at http://www.smartreviewguide.com/balanceball ]]> Credit Card Balance Transfer Credit Card Balance Transfer http://www.artwoo.com/article/credit-card-balance-transfer-credit-card-balance-transfer http://www.artwoo.com/article/credit-card-balance-transfer-credit-card-balance-transfer#comments Sat, 04 Oct 2008 11:57:33 +0000 credit card balance transferbalance transfer credit cardcredit card balancecredit card chargeshigh interest ratefree periodbreathing room http://www.artwoo.com/article/credit-card-balance-transfer-credit-card-balance-transfer transfer is getting quiet popular in today's market. Different companies have come up with their own version of because they have realized how powerful balance transfer can be to consumer who wants to save some fee and charges on their cards. But credit card balance transfer is not really for everyone. There are certain advantages of this system where as there are too may downside of it too. If you are not aware of the downside of balance transfer then its better suggested that you find out all the pros and cons of balance transfer credit card before you jump into it.

Benefits of balance transfer are enormous. For an example, who does not want to transfer their balance form one credit card with to the one which has no interest at all? This is exactly what balance transfer does to its costumers. If you have recently received a new credit card and are enjoying its interest then you can easily transfer balance of your old credit card to the new to save on interest rate. Even if, you don't have new card then too you can transfer it between your other card to enjoy a lower interest rate and reduce of late payment. This single method of balance transfer can save you thousands in a year if you can perform it precisely within available time period.

Now a days there are increasing number of consumers who are applying for lower interest rate credit card only for balance transfer. This process is easy to do and can save you money in case you are approved for a new credit card when the interest free period of old card runs out.

Credit card balance transfer are easy process and anyone with half decent credit rating can do it and if you can control your spending habit then balance transfer can give you good amount of before you start paying off your principal. But, if you are like someone who doesn't prefers spending a lot with his credit card then credit card balance transfer is not the right solution for you.

There are tons of companies coming with balance transfer credit card because they know this can easily attract tons of customers towards their companies and have realized the power of balance transfer. Everyone wants to save a lot of money but simply using balance transfer does not makes sure that you can save mone. Controlling your emotion is the hardest thing to do. How can you control your buying instinct when you have free money on your card? Though balance transfer can reduce your total expenditure significantly but unless you don't control your own habit you cannot only rely on balance transfer to minimize your expenses.

It's highly suggested that you choose only those cards that allow balance transfer. There are tons of credit cards in market which do come with lower interest rate but may not have facility of balance transfer. In case you are using any such card then you can call your bank to replace the card with a balance transfer credit card before you can use it for balance transfers. Secondly, it is also suggested that you learn all the pros and cons of the balance transfer cards before investing in one because some companies charge hidden fees for balance transfer which can reduce the overall saving that you plan to do from transferring balance.Financial products such as credit cards are not always straightforward. When in doubt, always seek expert financial advice]]> Balance Transfer Credit Cards: Get the Most From Your Balance Transfer http://www.artwoo.com/article/balance-transfer-credit-cards-get-the-most-from-your-balance-transfer http://www.artwoo.com/article/balance-transfer-credit-cards-get-the-most-from-your-balance-transfer#comments Sun, 03 Aug 2008 11:50:29 +0000 balance transfer credit cardbalance transfer cardspaying off credit card debtcredit card debtzero percenttwelve monthspaycheck http://www.artwoo.com/article/balance-transfer-credit-cards-get-the-most-from-your-balance-transfer balance transfer credit card will help you do just that. This type of card lets you bring over an existing balance or loan and pay it off at a lower interest rate. Hereand#8217;s how to get the most out of a balance transfer credit card.

Transfer the Balance

Before applying for a balance transfer card, youand#8217;ll want to check out your options. First look at the fees involved, as these may vary from card to card. Many companies charge a certain amount to bring over an existing balance. The usual rate is around 3 percent of the total amount, and some cards include a cap of $50 or $75. In most cases, the money you save in interest will outweigh the cost of transferring.

Also compare the interest rates. usually come with a 0% APR period. This means that you will have a certain time, usually between six and , during which you will not be charged any interest. You can use this time to pay off the balance.

Get the Most from it

Once youand#8217;ve found the best balance transfer card to apply for, itand#8217;s time to pay off the debt. Ideally, you will want to pay it off within the initial interest timeframe. Say you transfer a balance of $2,400 and you have twelve months of 0% APR. All you need to do is put $200 toward the debt each month for twelve months. Pay that amount at the beginning of each month, or every time you receive a .

Think about it: if you pay off the $2,400 balance on the card within a year, you will save hundreds of dollars. If your previous card charged 18% APR, and you carried the balance for a year, you would have to pay $432 in interest! That is a significant savings.

If it becomes difficult to pay $200 each month, reduce the amount you pay to $150. Then keep paying that amount until the entire balance is paid off.



Use the Card

Many experts recommend before using a new card. This rule of thumb applies to balance transfer credit cards too. Some cards are set up so that if you make new purchases, the amount you pay each month will first be applied to those, and then to the transferred balance. This can make it hard to pay off the balance in its entirety. To avoid problems, donand#8217;t use your new credit card right away. Put it in a drawer until you have paid off the balance.

Once the debt is paid off, you can begin using the card. Many balance transfer cards come with additional perks such as rewards programs or cash back options. So when you start shopping with the card, you will receive even more benefits. Try to pay off the amount on the card each month to avoid interest charges and late fees.

A balance transfer credit card can help straighten out your finances. Apply online for one today and youand#8217;ll notice the difference right away. Soon youand#8217;ll be debt-free, thanks to your credit card.Click Here to Find Balance Transfer Credit Card Offers Stephanie Andrews is a contributing editor of the website www.CreditCardCity.com , a credit card directory where you can apply for a new card with online applications.]]> 4 Ways To Lower The Interest You Pay On Your Outstanding Credit Card Debts http://www.artwoo.com/article/4-ways-to-lower-the-interest-you-pay-on-your-outstanding-credit-card-debts http://www.artwoo.com/article/4-ways-to-lower-the-interest-you-pay-on-your-outstanding-credit-card-debts#comments Sat, 16 Sep 2006 04:27:02 +0000 personal financecredit card balancecredit card debtcredit card companysave moneybalance transfercredit cards http://www.artwoo.com/article/4-ways-to-lower-the-interest-you-pay-on-your-outstanding-credit-card-debts credit card balance, then you can save yourself all that interest you are giving to your by applying for another credit card that offers a 0% interest rate and transferring the balance from your existing card to your new one . Usually these 0% interest offers last for a set period of about 6 to 9 months and the money you save can be substantial. Be careful when selecting a new credit card to apply for as some of them now charge a fee of around 2% of the balance transferred, so make sure you pick one that doesn't charge for doing a balance transfer. So that you can continue to pay no interest after this time, just apply for another 0% credit card from another credit card company at least a month before the first 0% offer expires, so you can switch the balance and not accrue any interest charges.

2. If you can't get a 0% balance transfer offer, then you can still apply for a card that has a lower interest rate than the one you are currently paying interest on and do a balance transfer to it. Of course if you already have another card with a lower balance transfer rate than your existing one, you can transfer the balance to that one, lowering your interest payments.

3. Another way you could on outstanding is to simply ask your current credit card company if they would lower their rate for you. It is surprising to find that many of them will do this for you, especially if you tell them you are thinking of moving your balance to another card with a lower interest rate, they will most likely match the interest rate.

4. If you have several balances outstanding on several cards, then a good way to save money is to pay off the card with the highest interest rate first, which lowers the interest you pay overall. Miguel Poza runs a website about money and where you can find out where to get good deals on , loans, mortgages, insurance, savings and pensions. You can also read free money saving tips, so why not check it out at http://www.moneyhelper.co.uk ]]>