But as the title implies it is free video e-mail and I have yet to find a catch in this one. There is nothing to download, it costs nothing, and it is simple to use. All you need is a web cam and you can send a video of that new baby to your love one overseas or a holiday greeting to all your friends. How about a customer message to all your client base or lessons to your students. Perhaps you can send a sermon to your congregation. The opportunities are unlimited.

Just go to the web video referenced above [you will be automatically taken there after viewing the video] or go directly to the web site at http://www.iwowwe.com/mk0224 Once at the web site scroll down to the bottom of the page and find the dark banner titled “Product”. At the bottom of that short list you will find “FREE Video e-mail”. Click on that link and find another promotional page with a link “Free Video E-mail” in blue. Click on this link as well and enter your name and e-mail address.

That’s it… nothing to download nothing to pay. Just use it to your hearts content.

You have the habit of swapping your credit cards even though you have cash with you since credit cards can be carried easily. This is said to be one of the biggest reasons that puts you into unnecessary credit card debt problems. When you use your credit cards, you should also make it a point to pay off the outstanding credit card balance on time. However, you hardly remember to do it and in this situation you get entangled into credit card debts. When you find it almost impossible to repay your debts on your own, you may take the help of suitable debt relief programs so that you can free yourself from unnecessary credit card debts and live a secured life.

2 Types of debt relief programs

Go through this article to know about 2 types of debt relief programs.

1.Debt consolidation – You may be having several credit cards with you and you have swapped them whenever you felt the need to do so. But you hardly pay any heed to pay off the outstanding balance to the credit card company within the desired time period. Due to this reason, you fall into the trap of multiple credit card debt problems. In such a situation, you may choose to take the help of a debt consolidation program so that you can get rid of your debt problems. This program gives you the facility to make single monthly payment on all your outstanding debts with reduction in the interest rate. On enrolling with this program, the debt consultant negotiates with your creditors for you so that they may reduce the interest rate on your outstanding debts thus making your repayment process much convenient. Hence, it can be said that debt consolidation is one of the most suitable debt relief programs that can help you come out from the clutches of credit card debt problems.

2.Debt settlement – When you find it difficult to pay off your debts in full, the best option to get rid of your debt problems is to enroll in a debt settlement program. This program enables you to reduce your outstanding balance by 40-60% than what you actually owe. The consolidator negotiates on your behalf with your creditors making them understand that your financial condition does not permit you to pay off your outstanding debts in full. As such, your creditors may agree to reduce your outstanding balance as much as they can thus making it easier for you pay off your debts. It is quiet natural that your creditors will not agree to reduce the outstanding balance initially but once they realize that you will not be able to repay the amount in full, they will agree to accept the reduced amount. Thus, debt settlement is said to be another debt relief programs that will free you from the burden of debt problems so that you may live a debt free life.

Thus, it is very important on your part that when you fall into credit card debt problems, you take necessary steps so that you can get rid of it in a very short time and, in turn, live a debt free life.

To determine these answers your best bet is to go to the referenced WowWe.com web site and view the three videos displayed about 1/3 of the way down the page. These videos are short but chuck full of awesome information that will answer most of your questions about the company, the products and the compensation plan at WowWe.com.

If after viewing the videos you still have questions, feel free to call the number at the top of the WowWe.com web page.

“Global IP traffic is expected to reach 80.5 exabytes per month by 2015, up from approximately 20.2 exabytes per month in 2010.
“Average global IP traffic in 2015 will reach 245 terabytes per second, equivalent to 200 million people streaming an HD movie (1.2 Mbps) simultaneously every day.

“By 2015, the Asia Pacific region will generate the most IP traffic (24.1 exabytes per month), surpassing last year’s leader, North America (22.3 exabytes per month), for the top spot.

“The fastest-growing IP-traffic regions for the forecast period (2010 – 2015) are the Middle East and Africa (which had a 52-percent compound annual growth rate, for an eightfold growth), surpassing last year’s leader Latin America (48 percent CAGR, sevenfold growth).”

I strongly encourage any reader to take a look at a company which is taking the world by storm. This is a company with an incredible IT product, an unequaled compensation plan, and a group of leaders who simply cannot be stopped from making it all better. iWowWe.

Today there is a new “IBM investment” that folks can get involved with for very little money or time and it has been verified thoroughly by none other than Cisco Corp.
Cisco.com said in 2010 that: “Global Internet Traffic [is] Projected to Quadruple by 2015.” They went even further in saying, “The projected increase of Internet traffic between 2014 and 2015 alone is 200 exabytes, which is greater than the total amount of Internet Protocol traffic generated globally in 2010.” Finally they said, “By 2015, 1 million video minutes –the equivalent of 674 days –will traverse the Internet every second.”

Are you getting any hints as to the industry I am talking about? Obviously it is the video IT industry.

An visionary business guru by the name of Bill Starky saw this trend back in 2007. He joined forces with a group of investors and formed a company which launched in the spring of 2011. You may want to learn more about this extrordianary company at WowWe.com

Blown away? You haven’t heard the best part yet. I know of an additional opportunity to earn the above income and never sell, market, entice or even contact anyone including your friends and relatives if you don’t want… ever.

Looking for a downside? I have not yet found one except that the product and the marketing of that product are two different pieces of the pie. Product involvement is required whether or not you utilize the marketing efforts. So, if you want someone else to do the marketing for you or you want to do some and have someone else do some, the enrollment process is different. (In other words, if you want more than $1000 per month, you will probably need to pitch in.)

Marketing Information – TeamVinh International is a professional marketing group independent of the product company, WowWe, but in direct support of its plan , methods and compensation. [Special Note: you can review general information at the referenced WowWe site but you will not be able to log in until after you have enrolled.] TeamVinh International will find and place your personal enrollments within iWowWe. TeamVinh International‘s current limit of involvement is sufficient to conservatively generate the income stated above. The cost to you can be less than $500 for TeamVinh International services including the WowWe expenses described below.

Product Information – [Do not enroll at the WowWe Information Page unless you do not want the TeamVinh International services. If you want the TeamVinh services above along with WowWe, follow the instructions at TeamVinh International ]

The company, as already referenced, is WowWe and it offers the most cost-effective, full featured communication tool on the market including free video e-mail to anyone who wants it. There is no software to download nor contracts to sign. WowWe optionally offers video conferencing. The massive compensation potential and use of the product can be available for $75 which includes the first month’s $20 recurring monthly fee. There is a second option which offers a far greater product capacity and far greater compensation. But the costs shown here are for the basic WowWe package only and without TeamVinh international as described above.) To learn more of this incredible company, product and opportunity visit WowWe Information Page. However do not enroll at this referenced site if you want the services of TeamVinh International.

To summarize, you can have a $1000 plus per month income stream and have someone else develop it for you with no intervention on your part for under $500 initial outlay and under $35/mth. How can you go wrong?

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Question: Can I get an American Express credit or charge card if I had a bankruptcy three years ago?

Answer: This is a difficult question to answer as other issues are involved such as what you have been doing since the bankruptcy. As an example lets say since your bankruptcy you have purchased a home and a car and made regular payments on these for the last 3 years and never been late. Though more difficult to obtain because of the bankruptcy and probably with a higher interest, you would probably be approved. If on the other hand you have had no credit extended or worse yet been late on a payment since the bankruptcy, your chances for approval are far less.

But you are on the right track as the 3 year point does offer one of the first time periods after bankruptcy for a better evaluation of your score. Adding to all of the above please realize credit extension has become far more difficult with the economy. All you can do is try.

Question: Which credit card has the longest grace period?

Answer: A grace period for any card is dependent on your contract. Some cards have 25 days and some 30. Some cards have 0 days grace period. But the greater question may be why is this question even coming up? This is why I ask.

Over 30% of your credit score is based upon on time payment history. It is the single most important issue of your credit score. Therefore, you simply do not want to be late on any payment and therefore want to make your payment early enough that the mail reaches the creditor well before the due date… not on or after the due date. That way the grace period makes little difference in affecting your score except to maximize it.

I usually explain a late payment as pouring a ice cold buck of water over you and trying to make up the difference with warm stones which are follow-up on time payments.

Question: If my husband and I have a credit card together, and he passes, will that leave me with no credit history?

Answer: You will have credit but nowhere near as good a credit as if you got a card in your own name. In fact any credit but especially a secured credit would be wise.

You might be interested to know that there is a hierarchy of debt with a high value on things like house, car, and other secured debt. The hierarchy is then followed by unsecured debts such as credit cards. You should also be aware of secured credit cards which are credit cards in every respect only they are secured by a savings deposit of usually $300 or more dollars. These type cards are usually available at most major banks. The very good thing about a secured credit card is they are reported to the credit bureau as a secured debt which helps build your credit score. Of course financing a car in your own name is even better. Just be aware that any late payment on anything can lower your score.

Question: I want to apply for a credit card that I will use only for gas purchases. Which credit card offers the best rebate for this purpose?

Answer: There are actually any number of cards to fill your need especially for cash rebate. Even Shell has a rebate card that you might look into. But Capitol One offers 3% cash back on gas and groceries and Discover offers 5% cash back. The same holds true for Chase, American Express and others. I would think the more important questions might be: What is the interest rate? Is there an annual fee? What is the default rate? Is there any introductory rate?

Your selection also has to do with limitations on any individual card. For example some cards may be 5% but limit you to the first $100 purchase in a month. Another might be at 3% but have unlimited rewards. In this case depending on your needs, the 3% maybe you better deal.

My suggestion is view some of the cards at cardratings.com and make your choice

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The truth is the average consumer can eliminate all debt including their mortgage with the money they currently earn in an average 7.5 years. I have been teaching people how to do this for years and you can see how it is done yourself by receiving the free Debt Freedom Mini-Course via email.

You might also want to know that that eliminating all debt is like getting a 40% Tax-free Salary Increase.  If you don’t believe me, read the blog about it.

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Question: Which has a lower APR on a personal credit card, Visa or MasterCard ?

Answer: There is no way to answer this question as each card will have its own determination based upon such issues as purpose of card. Is the card primarily as a student card, a secured card, a rewards card, etc? Then within each of those purposes the heaviest criteria will be the individuals credit worthiness. A poorer credit history applicant whether for Visa or MasterCard will have a much higher APR than the applicant with a good credit rating. If everything were identical, the APR would probably be the same. I would say rather than trying to determine which card has the lower APR between MasterCard and Visa, the more important issue is what is the purpose of the card and then which card offers the best terms.

Question: Is there any way to know how large of a credit line you will be offered when you apply for a credit card?

Answer: Your credit line offering is dependent on numerous factors. To begin with each type card will usually have preset highs and lows. This is determined by the lender when the card package is set up. You can sometimes determine this from the marketing material available. Then within those limits, your credit limit will be determined by your credit worthiness and past credit history. The exception is a secured card limit is determined by how much you have as collateral against the card in your savings account. One of the best resources to determine what your credit limit might be is to ask the approving authority and they will offer you at least some general guidelines. But short of these guidelines the answer to your question is no, not really.

Question: How do I check the balance on my credit cards?

Answer: There are a number of ways to check your balance. The most certain way is to keep your receipts and keep a running tally. You should do this anyway to verify entries when your credit card statement is sent to you. Check each receipt not only to insure you actually made the purchase but that the total is correct. You can also check your balance by looking at your statement when it arrives. But if you need your balance sooner there is usually an 800 number in association with your card that you can call and get an automated teller response or a live counselor. Often times you can also set up an account to view your account online. But beware of the fact that any statement online or over the phone might not include your most recent transaction. Therefore keeping receipt is always the safest bet.

Question: How long is the grace period for a discover student card?

Answer: The grace period for any card is dependent on your contract. Some cards have 25 days and some 30. Some cards even have 0 days grace period. For example if your contract has a statement such as the following in association with “Grace period” you should note what is not said. “We will not charge you periodic finance charges on new purchases, or any portion of a new purchase, paid by the due date on your current billing statement if you paid your entire balance on your previous billing statement in full by the due date on that statement.” It says nothing about extended grace period and therefore you can assume there is none. If you no longer have your contract or cannot find it, you should call your card holder to be certain.

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The truth is the average consumer can eliminate all debt including their mortgage with the money they currently earn in an average 7.5 years. I have been teaching people how to do this for years and you can see how it is done yourself by receiving the free Debt Freedom Mini-Course via email.

You might also want to know that that eliminating all debt is like getting a 40% Tax-free Salary Increase.  If you don’t believe me, read the blog about it.

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You can barely walk thru a grocery store or many other outlets without seeing racks and racks of gift cards. Are they safe and are they as convenient as promoters would have you think they are?

The Office of the Comptroller of the Currency (OCC) offers guidelines for issuance of Gift Cards. Unfortunately the OCC guidelines are nothing more that that – guidelines. They are not law. So gift card purchasing is strictly a “Buyer Beware” environment.

Gift Cards from some very conscientious sellers can be an awesome gift. They offer convenience and practicality. Gasoline credit cards, store discount cards, retail specific gift cards, prepaid telephone and credit cards and so many more can all lead to a gift giving buyers dream of convenient shopping and idea generation. They can be easily mailed and can be a very well received by the recipient. But generally gift card promotion and popularity has less to do with customer convenience and far more to do with incredible profitability.

The Retailer Simply Cannot Loose

Consider the fact that a gift card is for a specific amount. If the recipient uses the card for less than the full card amount of the gift, the balance usually remains on the card to be used for the same service or at the same location. But often times a balance remaining of less than $5 usually remains on the card and this is pure profit for the issuer. As an example a $15 gift card for a CD that costs only $13 will usually have the remaining $2 remain on the card until expiration. The thought is, what are you going to buy for $2 and the issuer knows this.

On the other hand, if the recipient uses the card for more, the additional amount of purchase is from the recipient’s pocket. For example, let’s say the same consumer from above elects to use the extra $2 for a second CD. Now the retailer has just made more money from an add-on purchase. The retailer simply cannot loose.

Additionally the consumer is obviously required to be at the establishment. The single greatest advertising cost is the cost of bringing in new customers. But gift cards are a free method of accomplishing this purpose. PR newswire on January 9, 2008 reported: “Fifty-three percent of gift card redeemers often or always spend more than the card value, and most likely over two store visits rather than one.” Not bad for simply offering a piece of plastic.

Buyer Beware!

Now let’s consider less than conscientious sellers:

• OCC suggests the expiration date of the gift card should be on the front of the card. Is it? (Considering that a gift of money would not expire at any point, why does a gift card expire?)

• Are any fees monthly or otherwise listed? Some cards have a $2.50 monthly fee tacked on after a certain period of time. It does not take long to significantly reduce the amount of purchase at that rate.

• Issuers should not advertise “no expiration” if fees eat at the balance if not used immediately.

• Cards should have some means of contacting a customer service. Does it?

• Obviously theft of cards has to be a major concern simply because of the same convenience as stated for the consumer.

Gift cards lead the market of the 81 billion dollar pre paid industry and are expected to top 52 billion dollars in the next 5 years. That being the case, it is unlikely that gift card will disappear very soon. Hopefully what will disappear are the scams and abusive practices some promoters utilize. Gift cards are sufficiently lucrative never to need such practices.

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The truth is the average consumer can eliminate all debt including their mortgage with the money they currently earn in an average 7.5 years. I have been teaching people how to do this for years and you can see how it is done yourself by receiving the free Debt Freedom Mini-Course via email.

You might also want to know that that eliminating all debt is like getting a 40% Tax-free Salary Increase.  If you don’t believe me, read the blog about it.

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