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According to Cheap Marlon Mack Jersey , the average American family owes over $8,000 in credit card debt. This can lead to thousands of dollars in interest paid each year to credit card companies.

One strategy for lowering interest payments is to transferring credit card balances to a lower interest rate. If you had $8,000 in credit card debt, and you made a minimum monthly payment of 2% with an 18% APR, it would take you 647 months to pay it off Cheap Tarell Basham Jersey , and you would have paid $22,931 in interest. If you lower the rate to 10% APR on that same balance of $8,000, and make the minimum monthly payment of 2%, you would pay the balance off in 302 months Cheap Quincy Wilson Jersey , with total interest paid being $5,506.63, and a total savings of over $17,000. But, if you were to transfer that $8 Cheap Malik Hooker Jersey ,000 balance to a 0% APR, you would have the balance paid off in only 188 months, and save yourself $22,931! You''d be saving enough for a new car!

Here are a few things to consider when transferring your balances:

* Credit card companies usually offer that introductory 0% APR for a limited time. You''ll need to find out for how long, and what the terms are.

* It may be benefical to call your current credit card company Cheap T.Y. Hilton Jersey , and try to negotiate a lower rate. Credit card companies are very competitive, and will want to keep your business.

* Sometimes there are balance transfer fees. These fees are often between 1 and 2%.

* After you''ve transferred balances on those cards, you''ll want to close those accounts. You don''t want to accumulate a balance with a high interest rate again.

Department store credit cards need to be considered, too. It may be enticing to get that extra discount on your purchase for starting an account with the store, but you may be in for a rude awakening when you get your bill! Chances are you''re paying 18 and 22% on those balances. Some can even be as high as 30%! If you have department store credit cards Cheap Andrew Luck Jersey , you''ll want to pay these off as quickly as possible, or transfer those balances to a major charge card with a lower rate. And, don''t forget, you''ll want to close out those accounts, too.

Checking your credit report yearly is a good idea Cheap Nyheim Hines Jersey , as well. Inaccurate information about your credit history can make or break your financial future. It''s your report, and you should know what lenders know about your financial history. You''ll want to examine your report for accounts that aren''t yours, or old accounts that have not been in use, and need to be closed. If you''re not paying attention, who will?

Credit card companies are extremely competitive. With little effort on your part Cheap Tyquan Lewis Jersey , you can reduce or even eliminate your interest payments. The money you''re going to save may even be enough to purchase a new car, or your dream vacation. Or, you may consider adding to a savings account with your new found wealth.

Copyright 2006 Andrew Saari



Koi fish tattoos are quickly growing in popularity. In fact many traditional Japanese tattoo designs are coming to life with new vivid tattoo ink colors. This is a rapidly growing movement very similar to the west coast tattoo style. The west coast tattoo style started with the idea of taking older classic tattoo themes like anchors, hearts and etc and adding a ton of bright, and beautiful inks to them. A few years back the west coast tattoo style was about the hottest thing in tattoos.

However many people are not satisfied to stick with what everyone else has already done and most people that get tattoos want them to be unique and different. Therefore tattoo artists are always on the look out for new designs Cheap Kemoko Turay Jersey , new ideas and new ways to take their art to the next level. This constant pushing of the envelope develops many hot new trends in tattoo design.

In the past 5 or so years there has been a rebirth or revitalization of traditional Japanese tattoos. One of the hottest themes in Japanese tattoos has been koi fish tattoos.

Koi fish are very popular among women but many man are getting them also now. In Japanese mythology Koi are typically thought to swim up stream against the current. They are therefore often associated with perseverance in adversity and can make a great tattoo with a very deep meaning. Yet a delicate and beautiful design.

Men tend to get koi fish tattoos on their back, shoulders, calf or upper thigh most typically. In fact large koi tattoos that take up the entire back are a style that many men are starting to get. They can also make a great full sleeve design with the water and koi twisting around the arm or leg.

Women tend to get koi tattoos on arms, thighs, and even on the side of their stomachs. Koi can make a beautiful tattoo with lots of bright color and large splashes of blue water that can become a very flowing and artistic tattoo.

Typically koi fish tattoos feature a large blue Cheap Braden Smith Jersey , splashing water background with the fish jumping out of the water and playfully splashing in it. Traditional designs often include either Japanese maple leaves or lotus flowers in combination with the design.

Chris has been running Design My Tattoos website for the last three months. He likes helping people find the custom tattoo designs and where to get them done by professional tattoo artists. Check out the site andpost a job to get your own custom tattoo design. If you are a tattoo artist and would like to earn some extra income go ahead and sign up as an artists and make some money in your spare time. Check out this article on Koi fish tattoos on the site.



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