tag:blogger.com,1999:blog-38677104787512146312024-03-08T01:47:26.141-08:00Graffiti ArtJust another Blogger Template...johnhttp://www.blogger.com/profile/03926586540403872812noreply@blogger.comBlogger3125tag:blogger.com,1999:blog-3867710478751214631.post-43585618548272011702008-07-03T04:15:00.000-07:002008-07-04T11:02:01.862-07:00Image in a Post!<div class="text"><p><img class="alignleft" style="FLOAT: left" height="211" alt="Ipod" src="http://w3goodies.smaug.cz/wp-content/themes/magazinestyle/images/ipod.jpg" width="295" /></p><br /><div class="text">This Stunning Blogger Template was designed by Kranthi of <a href="http://bloggertricks.com/">BloggerTricks.com</a> based on the Wordpress theme by wpgalaxy.com.You can download this template at <a href="http://bloggertricks.com/">Blogger Templates</a>.<br /><p>consectetuer adipiscing elit. Quisque sed felis. Aliquam sit amet felis. Mauris semper, velit semper laoreet dictum, quam diam dictum urna, nec placerat elit nisl in quam. Etiam augue pede, molestie eget, rhoncus at, convallis ut, eros. Aliquam pharetra. Nulla in tellus eget odio sagittis blandit. Maecenas at nisl. Nullam lorem mi, eleifend a, fringilla vel, semper at, ligula. Mauris eu wisi. Ut ante dui, aliquet nec, congue non, accumsan sit amet, lectus. Mauris et mauris. Duis sed massa id mauris pretium venenatis. Suspendisse cursus velit vel ligula. Mauris elit. Donec neque. Phasellus nec sapien quis pede facilisis suscipit. Aenean quis risus sit amet eros volutpat ullamcorper. Ut a mi. Etiam nulla. Mauris interdum. blandit blandit, sed odio lectus. Senectus donec, lacus scelerisque, vestibulum id tristique. Suspendisse ut Etiam posuere netus, libero condimentum eu. Aenean a ut. Elit aliquet porttitor.</p><p>Lorem sed imperdiet, lectus enim, viverra donec tellus. Justo et ullamcorper, vel diam amet. Varius elit, sit magnis, quisque arcu nunc. Litora nulla gravida, nulla et elit, et faucibus. Interdum urna et, at dictum. Proin ac.</p><br /><p>A cras tincidunt, ut tellus et. Gravida scelerisque, ipsum sed iaculis, nunc non nam. Placerat sed phasellus, purus purus elit. Cras ante eros. Erat vel. Donec vestibulum sed, vel euismod donec.</p></div></div>johnhttp://www.blogger.com/profile/03926586540403872812noreply@blogger.com4tag:blogger.com,1999:blog-3867710478751214631.post-23999698909221240472008-07-03T04:12:00.000-07:002008-07-14T09:45:47.468-07:00Blockquotes galoreLorem ipsum dolor sit amet, consectetuer adipiscing elit. Quisque sed felis. Aliquam sit amet felis. Mauris semper, velit semper laoreet dictum, quam diam dictum urna, nec placerat elit nisl in quam.<br /><blockquote>Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Quisque sed felis.<br />Aliquam sit amet felis. Mauris semper, velit semper laoreet dictum, quam diam<br />dictum urna, nec placerat elit nisl in quam. Etiam augue pede, molestie eget,<br />rhoncus at, convallis ut, eros. </blockquote>Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Quisque sed felis. Aliquam sit amet felis. Mauris semper, velit semper laoreet dictum, diam.johnhttp://www.blogger.com/profile/03926586540403872812noreply@blogger.com1tag:blogger.com,1999:blog-3867710478751214631.post-90079582137003748642007-01-01T11:16:00.000-08:002009-12-24T11:17:21.147-08:00CHRISTMAS CREDIT CARD DEBT - AN UNWELCOME PRESENT<span style="border-collapse: separate; color: black; font-family: 'Times New Roman'; font-size: medium; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px;"><span style="border-collapse: collapse; color: #333333; font-family: arial,sans-serif; font-size: 13px;">While tinsel and glitter tend to put a sparkle on our optimistic<br />
impressions of the year past, for many bankers around the country, no<br />
amount of decorations will be able to distract them from the depressing<br />
realisation that the country is in dire straits. The colourful lights and<br />
enchanting ornamentations of the season should not distract the world at<br />
large from recognising the issues or they will end up in a terrifying<br />
situation in the new year if they do not have the <a href="http://mbna.ie/creditcards/ireland_mbna.html">best credit cards</a>.<br />
</span></span><br />
<span style="border-collapse: separate; color: black; font-family: 'Times New Roman'; font-size: medium; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px;"><span style="border-collapse: collapse; color: #333333; font-family: arial,sans-serif; font-size: 13px;">Good credit cards are becoming rarer than ever - why? Not because banks<br />
aren't able of offering the same excellent service or range of benefits as<br />
previously but because of "bad debt". The casual reader might assume that<br />
all debt is inherently bad - but the difference between "good debt" and<br />
"bad debt" is that the bad is the kind that is not invested in anything and<br />
is unlikely to be paid back.<br />
<br />
As of December 2009, the nation owers over £54 billion in outstanding<br />
credit card balances, and <a href="http://mbna.ie/help/bt-cash.html">credit card balance transfer</a> amount. Across the whole third quarter of 2009, bad credit card debt rose from £812m to £1.6 billion. PriceWaterhouseCoopers research<br />
suggests that, of that amount, £5billion will remain unpaid at the end of<br />
2010. This is "bad debt" that will ultimately have to be discarded and<br />
counts as a loss for the banks.<br />
<br />
</span></span><br />
<span style="border-collapse: separate; color: black; font-family: 'Times New Roman'; font-size: medium; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px;"><span style="border-collapse: collapse; color: #333333; font-family: arial,sans-serif; font-size: 13px;">What this means to the consumer is an increased amount of "risk<br />
pricing". This is when credit card companies ascribe an interest rate<br />
dependent on your earnings and overall credit rating. So if you're really<br />
in need of credit to get through a tough time, you'll have a much higher<br />
level of interest to deal with than a more financially stable equivalent<br />
user. The other option is a more widely increased APR (annual percentage<br />
rate), which will force consumers to pay larger interest payments in the<br />
hopes of deterring them from extreme lending.</span></span><br />
<br />
<span style="border-collapse: separate; color: black; font-family: 'Times New Roman'; font-size: medium; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px;"><span style="border-collapse: collapse; color: #333333; font-family: arial,sans-serif; font-size: 13px;">While it was once easy to determine which were the best credit cards<br />
merely by finding which ones had the highest interest rates, buyers will<br />
need to look beyond these indicators to find ones that will most closely<br />
match their needs. Perhaps the best way to do this is to look at reward<br />
credit cards - with a points scheme that can convert into airmiles, charity<br />
donations or goods, this is the main way you can still get any value from<br />
your credit card. But even this must be approached carefully - the days of<br />
risk-free access to back-up collateral are officially over.</span></span>Unknownnoreply@blogger.com0