Octopus card

When it comes to travel, the first thing that comes into many people's mind is luggage (suitcases and bags).Suitcases and bags are important travel essentials, providing an easy way to carry clothes and other personal belongings during travel.There are many varieties of suitcases and bags, and the choice of either of these depends on many factors, including; 1.Your Destination and How You Will Be Traveling Where you are going as well as how you will be traveling are top considerations when…

As anyone who’s been overwhelmed by credit card debt knows, it’s incredibly stressful to open the mail. Every batch of mail is bound to include a late bill notice, a letter from a collection agency, a utility bill with a past due amount or even just a regular old credit card statement with a balance that’s way too high. When you see how much you owe, and even worse how much interest you 're paying, it’s common to feel instant panic and depression. One study found that people who struggle to…

In a time of financial crisis, more specifically post foreclosure crisis, struggling individuals who are either unemployed, have low income, or are in the process of recovering from bad credit, are pondering about ways they can leave their current checkered state and attempt to re-enter the world of home ownership. In addition to getting hit by the foreclosure crisis, according to Les Christie from CNNMoney, some ex-homeowners who were in the process of rebuilding their credit score got hit…

Consumer Credit: Too Easy To Fail What comes to mind when the term “credit” is used varies from person to person. Maybe credit means a pair of shiny new shoes, or just a fun shopping trip in general. Or maybe credit invokes stress when a pile of bills and late notices comes to mind. Or maybe, nothing comes to mind at all, because cash is king. Like everything, credit over the years has evolved. It has changed its face and grown into something much different from when it began. In today…

TIP 25 Cut the Cards! “If you don’t want to buy it with your own money, you don’t need it.” ~Unknown By now you’ve figured out that one of the major themes woven throughout this book is getting out of debt—I write about it quite a bit even in the sections not dealing directly with money. Debt is one of the biggest problems facing modern families—a true American crisis—and yet so many people don’t seem to feel any urgency to do anything about it. Dare to be different and do something others…

THE PEARL It is thought that money and wealth always brings happiness, and in many cases this is true. You can buy almost anything with it, pay off your taxes on time, and in some situations even alter the law. Now, let’s say you couldn’t pay for the hospital bill for your dying infant, and you needed the money quickly but your job didn’t pay enough. Now let’s say an inanimate object worth millions of dollars showed up right in front of you, you would probably take it and keep it. In the…

Have you reached the limit of your credit card? Are you short of cash? Unfortunately, your credit company is not likely to make your credit limit higher and your local bank is not likely to grant you any money. Of course, you can try to turn to your family members or friends for help, but what can you do if they are not able or willing to help you out? Are there any options left for you or are you stuck for good? Well, you can certainly come up with a clever scheme of robbing the local bank, but…

Five Economical Ways to Stretch Your Macy’s Gift Card Gift cards are an excellent gesture of good will that becomes even more valuable as budgets become tighter. However, many consumers tend to associate gift cards with indulging on rare items that they normally wouldn’t buy. Since gift cards are identical to cash, consumers should carefully spend their Macy’s gift card money wisely. Procrastinate Your Spending Most gift cards have an expiration date of one year. However, this doesn’t mean that…

Transcendentalism was a movement that sprung in the 19th century, and was primarily focused on the ideals of self-reliance and living simply. The major leaders of the movement were Ralph Waldo Emerson and Henry David Thoreau, both of whom published books such as “Walden” and “Self-Reliance” which described their transcendentalism ideologies. One of their major themes, “The Value of Simplicity” , describes how living simply has many more opportunities and up-sides than living extravagantly. This…

disappointment, this dream with the reoccurring theme of failure would not be complete without my family acting as spectators watching me fail. The last and probably most significant part of the dream is when I dove into the black hole after my credit cards. I believe this holds a lot of significance, in the dream I dove in and felt as though I was falling not flying. I believe that this is the culmination of my loss of control; however, I believe the black hole a condensation of the future. I…