|Posted on September 4, 2017 at 9:30 PM||comments (1)|
Why Automobiles are Important and Why Should We Invest One?
Can you imagine our lives in 2017 and beyond without cars for transportations? In this fast-paced community, we understand that managing our own personal and working lives can be challenging every day. And if you don't possess your transport service, your life's challenges can even get harder. So, to aid convenience, easiness, and reliability, you should have your automobile.
While many people dream to have their car, other naturally hesitate the idea of having their vehicle, though they can buy one. Not just the investment will help escalate the growth in the automobile industry; it also helps you take your life even better. On this post, we will be determining the importance of vehicles and why we should have one.
You Often Travel
Nowadays, people are too lazy to walk 100 meters from home to work or to buy groceries in the next supermarket. Anytime we stepped out our gate; we can't live without our hands on the wheel. We always travel and traveling means fun. When you have your own automobile, you don't have to hire taxi or bus for you reach your desired destination.
You Can Have an Asset You Can Call Your Own
Next to home, buying a vehicle can be another big investment one can ever make. That means, your car is not just a car – but an asset you should be proud of. In our modern society nowadays, if you don't have this asset, it seems you are out on the trend. Buying one will not just let you invest for something useful but helps you make your lifestyle even better.
Having Your Own Automobile Lets, You Enjoy Everything
If you think cars are simply those that are treated by vehicle owners as the mode of transportation to get them from A to B, you are wrong. Driving a car in the open read is one of the most beautiful experiences everyone wishes. Can you imagine serving your routes to see the wonderful countryside or to smell the urban hays in the morning using your car? Aforementioned is one great opportunity you may not experience if you are with the majority on the bus.
The Public Transportations are Not Reliable All the Time
Yes, it is true. The public transportations are not reliable most of the time. Have you experienced rushing from home to catch the bus only to find out that it's already full and have to wait for the next one in 30 minutes? There are many scenarios of this kind, which most of us don't like during our trip. Hence, you can't just rely on the public transportation for your daily trip. And the perfect solution? Have you own vehicle. You can do anything you want, and you can go everywhere you like when you have your car.
Try to ask your friends who have their automobiles about those benefits they've got of having a car. Surely, they will tell you all the things mentioned above. So, if you don't have your automobile today, then you are missing lots of opportunities in life. Buy yours now!
|Posted on August 3, 2017 at 9:15 PM||comments (0)|
2017 Car Business Ideas for Startups
The year 2017 is rich with large business opportunities for those who want to have a car business. Covering the automotive and the aviation industry, the automobile industry has large opportunities for you. The development of car technology and innovation and technology as essential for startups to be successful.
Car business ideas are up and running, so you have the best options on how and what kind of car related business you are going to start. Rather than trying your luck in other careers – here is a sure way to be successful.
Are you ready to be on the road to success? Let this article give you some car business ideas you are sure to be essential to your success.
Shuttle Services (Cross-Country)
If you are planning to uses buses on your business, why not have a cross country service using buses as a way of transportation from one country to another. Popular in Africa and other world continents, these type of service is a big help for passengers who want to go or travel from one country to another. You have the opportunity to transport the passengers from countries that share the same borders or countries that are located within the same region.
Airport Shuttle Service
Since large and busy airports could be found in different parts of the world, why not have an airport shuttle service using buses? In doing this kind of business, you are going to transport passengers from the airport to the place they intend to go such as hotels or apartments. Having tourists mostly as your clients, you would earn big by giving them a fast and reliable transport from the airport to their destination or vice versa.
Trucking or a Haulage Service Business
The automobile industry gives you larger opportunities more than what you expected. Since the trucking industry is important in the rising economy of the world, a moving business such as the transporting of machines, raw materials, rocks, finished goods and more would give you massive profits as many of these things are used in different parts of the world in large numbers. You clients daily and hence, expanding your start up to a large company is assured.
Food Truck Service
Who doesn't want to have an easy food delivery? If you are near a resort or beach, you could have a business selling and deliver foods to the people going to and from there. The automobile industry gives you food trucks that you can use transport food such as hot dogs, sandwiches, sausages and more to customers. This business is easy to operate, and you are sure to have as many clients as you want.
The steady growth of the automobile industry when it comes to car innovation provide car business ideas you are sure to take large benefits. In addition to the businesses that are mentioned above, you can also have a school bus shuttle, an auto repair company or a car rental service. These and much more are all for you to become successful this year.
Brought you by Pink Towing Beverly Hills
|Posted on June 17, 2017 at 11:15 PM||comments (0)|
Things to Look when Looking for Automotive Services
A lot of us depend on a mechanic to tell us what is happening with our car, however, how do you know you are getting a good repair job at a very reasonable price? Here are some tips you must look for when you need automotive services.
If you take your car in for repair, you must see certifications hanging on the wall. You want to take your car to a garage which participates in certification courses on a frequent basis and keeps up on new cars.
In particular, ensure your mechanics is up to date with his ASE or Automotive Service Excellence Certification. The National Institute for Automotive Service Excellence is the gold standard amongst auto manufacturers and mechanics. To get the certification, mechanics should have a high score in one subject area and two years of professional experience. A service center that has an ASE Blue seal signifies which 75% of workers working at that establishment are certified by ASE. When a car shop is missing an ASE sticker, don't get your auto serviced there.
Quality Auto Parts and Services
Another indication of good and reliable car service is the use of high-quality parts. It could be tempting to save a couple of dollars on off-brand components once your repair costs start adding up, on the other hand, a superior repair shop will tell you that you are not really saving anything. High-quality parts will last longer, meaning you will not need to replace them most often. Safety can also be an issue with used or inferior car parts. You do not want to put yourself or your loved ones in jeopardy over a couple of dollars of saving.
If you find a good car or automotive services, you'll save money. All shops must give these routine maintenance services:
What is more to offer the typical array of services, proper mechanics will provide you a good and fair price. They will not charge you for the small things like topping off your fluids or checking the pressure in your tires, and they are more fascinated in keeping your auto working than charging for air.
Car shops which have good automotive services look out for their clients. They know that businesses are based on establishing trusting relationships. They also take the time to check for primary safety hazards while your auto is in the shop, alert you to essential maintenance items which are overdue, and try to teach you on the car you drive.
Great Customer Service
A good shop also put customer convenience on top of their mind. They know it is hard for you to work without your car. They do the whole thing to complete the job and get you on your way fast. When you need to wait for your auto to be serviced, they make the waiting area at ease and comfortable with complimentary coffee as well as snacks, TV, as well as Wi-Fi.
Good automotive services are available out there when you know what to look for. State-of-the-art training, quality parts, as well as attention to client service, are a few of things that set these places apart.
|Posted on February 5, 2017 at 2:05 PM||comments (0)|
How to Jumpstart Vehicle?
If is annoying if you are running late for a conference or meeting and when you switch on your car ignition, you experience the dismay of your vehicle refusing to start. This case gets more annoying if you don't even know how to jumpstart vehicle. For car owners, you must be ready for any quandary which involves your vehicle, from how you can escape once your accidentally drive off a bridge into the ice-cold water, what to do if the engine bursts into flames and indeed how to jumpstart your auto if the battery dies.
First and foremost, how precisely do you know if the battery of your car is empty? It is relatively easy, the battery is dead once you switch on the ignition and you only hear audible clicks coming from the engine, or when you don't hear anything at all. Once you switch the key and your car's engine turns over, most likely it is more a more complicated mechanical issue that you can't do anything about.
If you find out that your car's battery is drained, then he is the things you must do:
Jump Start a Car with Cables Guide
Remove the jumper wires and pop open the hood of both vehicles. Every responsible car owners must always have jumper cables carry inside the car. If you don't have one, then this is the best time for you to buy some.
Connect the end of the positive red wire to the positive terminals of the working battery and the other end of a dead battery. Next, connect one end of the black negative wire on the negative terminal of the working car, and link the other end of the unpainted metal part of the car with nonworking battery, this will avoid sparks from flying and perhaps singeing arm hairs off.
Start the auto with the good battery for two to three minutes; this will make enough charge in the other battery so it can start on its own. Take the wires off in undo order. Leave the stalled auto idling for 30 minutes to ensure that the battery gets enough amount of charge prior to going on your way.
Jump Start a Car by Push Starting Guide
If you own a manual transmission car, then you could get it started even without wires or cables. Here is how to do it:
Put your car in 1st gear, switch on the ignition then step on the clutch all the way. When your car is parked facing downwards on a hill, you are lucky. All you need is to release the brake allows your auto to roll down the hill to pick up some speed.
Next release the clutch right away. This will cause the engine to turn over and start. In case, it fails to start, simply press and release the clutch once more. If you're not on a hill, you must ask for help from friends to push your car.
Keep this guide in your mind, and you worry no more about how to jumpstart vehicle ever again.
|Posted on December 16, 2016 at 3:25 PM||comments (0)|
Tips to Keep You Safe from Driving
There are lots of car safety tips that you have to follow, however, written below are some of the most famous lane rules you have to adhere to so as to keep safe.
Avoid Drunk Driving
Out of every 100 road mishaps, thirty to forty of them were caused due to some impairment caused by driving under the influence of alcohol. Low blood alcohol levels or heavy intoxication causes enough damage to your nervous system to cause a crash. So, if you are ever drunk, either call for a cab or request a drop from a sober friend.
You should have seen blokes speed up on their vehicles and superbikes, speeding past you like a wind. It may look cool, but it probably can be the cause of an awful road crash.
Get Rid of Distractions
Calling, messaging, talking and even listening to music, all these could lead to madness. You need to keep away from this distraction while driving. It poses a serious threat to your passengers' lives and your life as well.
Avoid Drowsy Driving
If you are feeling sleepy or dozing off, don't drive under any circumstance. Research shows that the main reason for road accidents is because of drowsy driving. People who are sleepy do not precisely pay attention to the road and so end up causing a crash.
Don't Forget to Wear Seat Belts
One of the main reasons for the safety of the passengers has been a seat belt. This car accessory saves millions of lives annually. Not just does it help you stay in your seat in the event of a crash but it also provides the additional safety of not being thrown around in the event of sudden braking.
Practice a Safe Distance
Do not get very close to the bike or car moving in front of you. Practice a safe distance of at least six seconds to catch up. This minimizes the risk of slamming the one behind in the event of a sudden braking require.
There's a saying the reads; you're the car, and the car is you. It only means that you must be capable of anticipating when your car will be capable of making a turn safely or not, in advance.
Keep your car safely. You have to ensure to change damaged or ruined parts like wheels as early as possible. More importantly car parts like the brake system. Maintenance of cars increases longevity at the same time reducing mechanical or technical failures while driving on the road.
While you are on the road, you can bear in mind all of the stuff stated above and keep safe; on the other hand, ultimately the only thing which will matter is the presence of your mind. A driver with a good presence of mind always keeps safe on the road in spite of whatever may come. You need to focus on your driving if you want to keep away from any type of accident.
24 Hours a day
Towing in Beverly Hills, CA. 90210
|Posted on December 1, 2016 at 2:45 AM||comments (0)|
Essential Car Safety Measures That Can Save your Life
When you are in the market for a new car, you need to look for diverse high technology or state of the art features. It will be very helpful for you search for autonomous systems which can see obstacles in the road, starts breaking even before know that you are in danger, or predicts the approaching crash. This essential feature is known as forward collision avoidance, and is amongst the important things you should look for when you are considering of purchasing a new vehicle.
Safety Features to Consider When Buying a Car
There are some luxury vehicles providing infrared night vision which can alert you when there are obstacles waiting beyond the reach of your headlights. Some even have adaptive headlights which can shift as you are turning so you could see around curves.
This is a technology which breaks the vehicle in order to avoid a collision or maybe avoid the huge impact from no matter what is in front of you. It is expected that in five to ten years, this will be one of the standard security features of vehicles.
Reverse backup sensors
This tool will largely help you when you are about to crash into something. As you reverse, you'll hear recurrent beeps as you get nearer or closes to something.
A rearview camera is a small camera which mounted at the rear of your car transmitting an image to your dashboard; therefore it will be easier for you to see things or cars and people behind you.
Side-view and parking assist
When an auto is situated in your blind spot, the sensor on the rear bumper could warn you with a light in your side mirror. There are some side view assist features which will alert you with a sound when you are engaging your turn signal. The parking assist feature, however, is ideal for those who don't want parallel parking. It detects the parking space size, guiding you into the starting position as well as allowing you to take your hands of the wheel totally while the computer is helping the car to place. This specific feature can aid in getting rid of lots of fender benders.
Lane departure warning systems
These safety measures can aid keep you away from head-on collisions as well as other catastrophes. Infrared, cameras, radar, as well as other sensors, will be put on the car so as to know its relative position in the lane. When you're leaving your lane, a light will flash as well as a high pitched beep will sound. There are car models out there at this point in time warn you in a vibrating steering wheel.
If you are in the market to buy a new car for you and your family, it is very important to look into various safety measures. These safety measures will keep you and your loved ones safe and sound from the possible accident. Always keep in mind that safety should be your main priority in life.
Towing & Roadside Assistance Services
24 Hours a Day
All over Los Angeles
|Posted on September 19, 2016 at 12:25 AM||comments (2)|
Benefits of Hiring Reliable Beverly Hills Towing Company
Nobody knows when something bad might happen. Therefore it is always best to be ready and possible for any urgent situation. When driving, a roadside assistance plan is the most excellent way to be ready for any emergency while traveling. One main reason for needing roadside assistance is if your car is disabled in mechanical or electrical malfunction. You will need a Beverly Hills towing service to ensure that your vehicle isn't stranded and perhaps sent to impound lot. Here are the benefits of Beverly Hills towing service.
Fast Response Time
If your car breaks down, it never seems to take place if you are out for a fun drive or if you don't need to be anywhere important. Rather, it never fails to break down if you are late for work, picking up the children from school or if you have an important meeting to attend to. Having a reliable towing service available, using a roadside assistance plan, means that you get a quicker respond time than just calling the first towing company you see.
Care for your Car
With a roadside service plan, rest assured that Beverly Hills Towing service provider has your best interests in mind. Some service providers just look at the bottom line and never really care how they supervise your car, they simply want to get it to its location as fast as possible so they could move n the next job. It means you can end up spending more cash do their negligence of your car.
Assure of Proper Licensing
LA needs licensing for any tow vehicles which are on the road. However, not all tow truck service providers follow these guidelines. If you don't know the tow company you're dealing with, you can end up having your car damages without recourse to being paid for the damage. A reliable Los Angeles Towing company simply deals with those towing services which are totally licensed and which meet the standards set for towing agencies.
In LA, there are many of towing service providers, however not all are made the same, and they might not have similar ideas about customer service. Some are just looking out for their own interests which are making money, not to provide the best service. Beverly Hills Towing Services is one of a few companies that provide a high quality and reliable roadside service to customers in LA.
|Posted on January 30, 2016 at 2:10 PM||comments (7)|
Work From Home: 6 Companies That Hire Remote Workers
Brough you by
by Steve Gillman
Contributor for The Penny Hoarder
If working from home is your dream, you’ve probably seen your share of job postings and business opportunities that promise way more than they deliver.
On The Penny Hoarder, we try to highlight more viable home-based jobs and businesses, like being a search engine evaluator and making money on YouTube. But “business” implies unpredictability, and many online “jobs” are part-time. That’s great for some readers, but others may want a more predictable and consistent paycheck. That’s why I went hunting for legitimate, full-time work-from-home jobs — and some of them even offer benefits.
Can You Really Work From Home Full Time?
Large corporations often contract smaller companies to provide phone and online customer service, and these smaller companies specifically hire home workers. Typically you’ll spend the day on the phone in front of your computer, usually answering calls or responding to questions online.
For example, a friend worked as a home-based online support specialist for AFNI, Inc. (which only rarely has at-home workers), and some of their clients were appliance makers and sellers. Among his many tasks, my friend spent his time helping customers with things like ordering parts and finding a service technician, both on the phone and online through a live chat service.
Think back to all the times you’ve called a company for help or typed questions into an online help box. The people you dealt with could have been working at home, which gives you some idea of the kind of work you might be doing.
How Much Could You Get Paid?
While these positions generally don’t pay high wages, many do provide a regular paycheck and health insurance, along with other benefits. For example, Convergys work-at-home jobs come with “a full benefit package with medical, dental and vision coverage.” They have a 401(k) plan, and they reimburse employees for college tuition. (Click to tweet this opportunity!)
As a Convergys “anywhere agent,” you take customer calls and provide other services for large corporations. Although they don’t like to name the corporations they work for, they say they have clients in these industries:
Cable & satellite
Travel & hospitality
Other Work-From-Home Jobs
Since you’d work for a company that contracts services to a variety of clients, the work you do could change as clients fluctuate. You might spend months explaining to customers how to set up smart TVs, and then become a complaint handler when your employer gets a new client. You could even end up as a debt collector. If you want a particular type of work, ask about what you’ll be doing before accepting the job.
Here are some of the companies that offer at-home customer service jobs:
As I write this post, this company is hiring work-from-home agents in 40 states and Canada. Be ready for the interview, which is done by phone in front of your computer and takes two hours.
Pay: Glassdoor.com shows salaries ranging from $9.42 to $9.67 per hour. For their U.S. employees, Sykes says, “We offer limited medical, dental and vision healthcare plans to all of our employees.” They also have a 401(k) and offer the option of paid days off or cash rewards.
West at Home
This is a division of West Corporation, which employs “thousands of home-based agents located across the country.”
Pay: An employee posting on Glassdoor.com mentions, “paid training, fun projects to work on, easy job,” but others point out a lack of benefits and starting at minimum wage (which depends on your state). The company says their benefits include “flexibility, no commute, and no dress code.” They note that “You have the option to take advantage of medical and dental related benefits from an outside provider.”
This company contracts more than 40,000 employees who speak 51 different languages. Many are at call centers, but TeleTech also hires home workers. Look for the listings with “@Home” under “Location.”
Pay: Indeed.com shows wages varying by position, with a range from $8.50 to $10.50 per hour. Glassdoor.com lists paid holidays, health and dental plans and a 401(k) as some of their benefits.
Like many of these companies, they “provide outsourced customer service 24 hours a day, 365 days a year.”
Pay: Glassdoor.com shows a range of salaries from $9.16 to $15.33 per hour, and the company says they provide paid vacation days, holidays and (for full-time workers) medical, dental and vision insurance.
You’ll find this interesting statement on the iQor website: “No interview necessary to join our team of highly-paid career agents.” Instead, according to BusinessWeek, they have a screening process that includes an aptitude test.
While they primarily operate call centers (31 of them around the globe) they do hire people who work at home. For example, The Gazette reported in 2011 that they hired 100 work-at-home agents in Colorado Springs, Colorado. It isn’t clear what benefits are offered to employees in other locations, but the Gazette article notes that in this case “benefits will not be available to work-at-home personnel.”
Pay: Some of their call center jobs pay more than $100,000 annually, according to a BusinessWeek article. It’s safe to assume they’re management positions, but the company does have a policy of promoting from within. Glassdoor.com says the average wage is $11.43 per hour, which is still better than many of these customer service jobs.
The Upsides and Downsides of Working at Home
Research shows that home workers are happier and more productive. As Jeri Hector, a home-based online support specialist, explains:
“…there is no background noise in my apartment. This means that it is much easier to help my customers and lowers my irritation factor greatly.”
Ah, but then there’s the catch: Home workers are less likely to be promoted — and they get smaller raises! Researchers suggest that this is due to a lack of “passive face time.” Apparently you have to be seen to be appreciated, so, if it’s possible, you might want to get out of the house and show up at the office once in a while.
Your Turn: Would you consider working from home for one of these companies?
|Posted on January 24, 2016 at 12:50 AM||comments (0)|
Want To Get Better Gas Mileage?
Written & Brought you by http://www.thepennyhoarder.com/hypermiling/
by Jamie Cattanach
How many miles do you get per gallon?
Probably not what Google says when you search your vehicle’s make and model.
Your fuel efficiency might suffer from your driving habits, especially if you speed, frequently brake or overload your car with heavy cargo.
If you optimize your driving habits, you could push your fuel efficiency way up — and save money.
Hypermiling and Ecomodding
Most of us know about fuel efficiency tricks like drafting behind big trucks, avoiding excess speeding and maintaining a constant velocity.
But there’s a whole community of so-called “hypermilers” and “eco-modders,” who take optimizing their vehicles and driving habits for the best fuel efficiency to the next level.
There are two types of optimization, explains Darin Cosgrove — or “MetroMPG,” as he’s known on Ecomodder, the online community he co-founded.
“Hypermiling is about strictly using driving techniques to save fuel,” Cosgrove says, while “ecomodding means making changes to the vehicle itself to improve its efficiency, regardless of driving style.”
Pretty cool ideas, right? We think so, too — but some folks really go to extremes.
Competitive hypermiler Wayne Gerdes was featured in a recent Mother Jones article. He achieved 59 mpg in his Honda Accord — a vehicle normally rated for a mere 27 mpg city or 37 mpg highway.
Some of his methods included lightening his car’s load — even removing his keys and wallet. He also makes extreme turns at high speeds to avoid braking.
Budget traveler Jema Patterson of Half the Clothes took advantage of gravity by driving 160 miles from Crater Lake to Eugene, Oregon — with her manual-transmission car off and in neutral.
She took this dangerous measure to save fuel while she was a poor college student… but even if you’re totally broke, we don’t recommend it!
Smooth wheel covers can increase aerodynamics, improving gas efficiency by up to 4.6% per one modder’s measure. So, this guy installed pizza pans over his Prius’ hubcaps.
Saving Gas by Getting Conscious
Even if you’re not ready to get out your riveter or give up braking, take some tips from hypermilers and ecomodders to save money on gas.
Cosgrove makes the following recommendations to those looking to get serious about saving at the pump:
“First, you need feedback,” he says, “because you can’t manage what you don’t measure.”
Cosgrove says to make a record of each time you fill to see frequency changes as your fuel efficiency goes up.
Make sure you have an mpg gauge installed — aftermarket options are available if your car doesn’t have one.
“Some people call these a ‘game gauge’ because they let you turn your regular commutes into challenges,” Cosgrove explains. Try to beat last trip’s high score!
Another important rule: Don’t idle!
“If you’re going to be stopped for more than 10-15 seconds and it’s safe to do so, shut off the engine,” Cosgrove says.
Similarly, start to pay attention to your braking.
“Only fools rush in,” Cosgrove remarks. “Every time you hit the brakes, you’ve made a mistake: You’ve converted gasoline into brake dust. People waste more fuel with the brake pedal than the gas pedal in city driving. When you see a stop ahead, lift off the gas sooner and coast in.”
In fact, taking it slow is a good idea all around — slowing down on the highway will have the biggest impact on your fuel consumption.
“Generally, cars are most fuel efficient just after top gear has engaged, usually in the 40-50 mph range,” Cosgrove says.
So if you want to save some pennies, leave a little earlier and stay firmly in the right hand lane. Just make sure to obey the minimum speed requirements in your area!
Get Going — But Slowly!
The Ecomodder community features over 100 hypermiling techniques and a plethora of vehicle modifications. Check them out and see what you can implement into your driving habits.
Don’t forget: Routine car maintenance (regular oil changes and tire rotations) can take your investment much further in both machinery and miles per gallon.
Your Turn: Will you apply any of these hypermiling or ecomodding tips to your own vehicle and driving habits?
Jamie Cattanach (@jamiecattanach) is a junior writer at The Penny Hoarder. She also writes other stuff, like wine reviews and poems. You can follow along at www.jamiecattanach.com.
|Posted on January 23, 2016 at 1:25 PM||comments (2)|
Powerful 2-Step Process To Eliminate Credit Card Debt
Brought you & Written by https://www.lendingtree.com/info/powerful-2-step-method-pay-off-credit-cards?esourceid=6180946&cchannel=display&csource=outbrain&cname=TheFastestWayToPayOff%2410,000InCreditCardDebt&ccontent=Powerful2StepMethod2
by Jarret DiToro
What's the best way to pay down a credit card balance as quickly as possible, while paying the least in interest, and without hurting your credit? What follows is a powerful method recommended by the most astute personal finance experts* to achieve exactly those objectives. It's extremely effective, completely legal, and leverages programs created by credit card issuers to your advantage. Follow these steps and start to become credit card debt-free.
Step 1: Use A Powerful Tool To Immediately Stop Paying Interest On Your Balance
Think of someone carrying a credit card balance like a patient who enters an emergency room bleeding badly. The first thing a doctor will do is stop the bleeding. It's no different when attacking a credit card balance; the first thing you do is stop the interest charges.
There's a simple way to do this, and it's brilliance is that it actually uses the banks' marketing offers to your advantage: find a card offering a long "0% intro APR balance transfer" promotional offer, and transfer your balance to it. These are cards which offer new customers a long period of time (often as much as 18 months) during which the card charges no interest on all balances transferred to it. We constantly track all the cards in the marketplace in order to find the ones currently offering the longest 0% intro periods.
If you need more motivation, just think of this: on a $10,000 balance, $150 of a $200 monthly payment would get vacuumed up by interest charges.** That leaves only $50 of your $200 that actually reduces your balance, the rest vanishing into bank pockets. That's just brutal. Use our reviews to find a card which offers the longest possible no-interest period while charging low, or even no fees. Moving your balances to the card you choose will stop the bleeding, allowing you to move on to step two.
Step 2: Power Through Your Balance During The 0% Period.
Once you've transferred your balances and put a stop to the interest charges, it's time to capitalize on the interest-free period to really break free of the debt. The best part of this is how simple it is: just keep making the payments you used to make when you had to pay big interest payments. Going back to the $10,000 example above, if you transferred that balance onto a card like the Chase Slate (which offers 15 months of 0% intro APR with no transfer fee) and maintained the same $200 monthly payment, you can see how much faster you'll be reducing your balance in the chart below.
As you can see, without using the 0% card, the same $200 monthly payments barely make any headway. It's like swimming upstream, or walking while taking a step back for every two steps forward. That's no way to swim or walk, and attempting to pay off your cards while paying high card interest rates is no way to manage your finances. Move your balances onto one of the cards below, stop getting crushed by interest, and start making real progress toward getting rid of your card debt.
Top 0% Intro APR Balance Transfer Cards:
The No Transfer-Fee Card
15 Months of 0% Intro APR. No balance transfer fee. No annual fee.
The Chase Slate is tied as our highest-rated balance transfer card, and for good reason. It charges no fee for transferring your balance to it in the first two months, no annual fee, and no interest on balances transferred for a full 15-month 0% intro APR period. This makes it a phenomenal tool to gain control of your credit card debt, as you can make a costless balance transfer, then use the 15-month interest grace period to pay down your balance.
The Verdict: If you don't need the entire 18 months offered by the BankAmericard, this can be efficient since it doesn't have a balance transfer fee. No transfer fee and no annual fee, combined with the 0% intro APR means that this is really free money for the 15 month term, no catches.
Most Appropriate For: Those who want a no-fee way to stop paying interest, and possibly pay off the cards during that breather. Those with good rather than excellent credit.
Least Appropriate For: Those who pay off their balances every month would be better served getting a card paying high rewards.
Recommended credit: Just Good. The Chase card has the most lenient credit requirements of our top balance transfer cards.
The Ultra-Long 0% Intro APR Card
BankAmericard® Credit Card
18 billing cycles (months) of 0% Intro APR on balance transfers. No annual fees.
The BankAmericard is tied as our highest rated balance transfer card, featuring an unbelievable 18-month 0% APR intro period. This means that if you were to roll your balance over onto the card today, you wouldn't have to pay interest until well into 2017. The card does charge a 3% balance transfer fee*, but if you’re looking to avoid paying any interest on your credit card balances for as long as possible, the BankAmericard could be your card.
The Verdict: Getting a loan this cheaply for this long is pretty amazing. If you're carrying a balance, and realistically you know you will have to carry that balance for a while, this card becomes a no-brainer. As an example, assume you have a $10,000 balance on your current cards at a 18% rate. Over the 18 month term, you would have paid $3,098 in interest.* Switching to this card would cost $300 in fees, but then nothing the rest of the way, for a net savings of $2,798. Not bad, you could do a lot with that extra cash.
Most Appropriate For: Those who have large balances and and want as much interest-free time as possible to pay the principle down.
Least Appropriate For: Those who pay off their balances every month or every few months.
Credit Required: Excellent
The Cards With Long 0% Intro APR AND Cash Rewards Programs.
Capital One® Quicksilver® Cash Rewards Card
0% on Balance Transfers until November 2016, 1.5% Cash Back Rewards Program. $100 Bonus. No annual fee.
Pros: Capital One's Quicksilver card makes things simple: you earn 1.5% cash back on all your purchases, with no limit and no category restrictions or games. We included the card in our balance transfer list because it offers 0% intro APR until September 2016 on all balances transferred.
Cons: Does charge a 3% balance transfer fee. Requires good credit to get in.
The Verdict: If you're looking to transfer a balance and make some purchases, you can use this card to avoid paying interest during the intro period AND earn cash rewards.
Most Appropriate For: Anyone who might make some large purchases in the near future, or regularly charges a lot on their cards. Making the charges on the Quicksilver would earn cash back but not require any interest during the intro period.
Credit Required: Good
Chase Freedom® Card
15 Months of 0% Intro APR, 1% Cash Back Rewards Program, $150 bonus. No annual fee.
Pros: Chase is temporarily offering a fantastic deal on this card. If you charge $500 on it in the first 3 months, you'll earn a $150 bonus. Combine that with the 1% standard cash back feature, plus 5% cash back in certain rotating spending categories per quarter (at the time of this writing it includes restaurants) and this card really starts to pay. All this and you get 15 months of 0% intro APR, and it requires good, not excellent credit, making it easier to get in.
Cons: Charges a 3% balance transfer fee.
The Verdict: A great combination of 0% intro APR, solid cash-back rewards, an attractive limited-time bonus offer while only requiring good credit.
Most Appropriate For: Those with good credit seeking a daily-use card offering great cash back rewards and 0% intro APR. Best for new charges.
Least Appropriate For: Balance transfers, as it charges the 3% fee while offering no more free term than the Slate (which has no transfer fee).
Credit Required: Good
Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.
* Savings calculation: Credit Card Balance * (1+Average Card Rate/365)^639 days – Balance Transfer Fee - Average Household Credit Card Balance
Balance transfer fee is minimum of 3% or $10
Thank to https://www.lendingtree.com/
For a great article