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Marley Majcher
- Female
- Pasadena, CA
- United States
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- What is your blog link?
- http://thepartygoddess.com/blog/
- What is your twitter URL?
- http://twitter.com/ThePartyGoddess
- A little about yourself...
- I’m a celebrity event planner, TV personality, and million $ marketing coach forever creating hot events and teaching small biz-preneurs how to make millions!
- What kinds of things do you typically Twitter about?
- My crazy crazy fun filled days, thoughts, EVERYTHING!
- What are your areas of interest?
- mommyhood, business, blogging, home & garden, technology, social media, crafting, twitter, the arts, work-at-home, politics, green living, religion, travel, fashion and beauty, fitness, weight loss, wine, writing, reality tv, decorating
The Party Goddess Blog!
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© 2009 Created by Megan Calhoun
Comment Wall (7 comments)
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I tweet about my fight with breast cancer and being a brand new mom. I am trying to find more people to follow me so that my story will help spread awareness:
http://twitter.com/ViralCEO
Natalie
What a pretty name. Like yourself, I am new here also, will try to come here more often and read everyones' blog. I am getting packed to take a Caribbean Cruise to The Cayman Islands, so will be returning August 1st. By then, I should be ready to settle in, it has been a busy summer, with merchandising, caring for the elderly, taking part in my computer club, BGAMUG.org and being a CASA Advocate.
Just like an energizer battery, seems like I never stop!
Kathy Jill
PS: Let your friends know when you're on twittermoms with a click of the Announce Yourself link in your welcome box. If your Twitter friends are interested, they can check out the cool new place you've found!
Again -- if there is anything I can do for you, please let me know.
Megan Calhoun - founder, twittermoms.com
PPS: We invite all bloggers to join the TwitterMoms Blog Network. It's a free, easy way to build blog traffic.;
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
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