Being Smart About Credit Cards

Hey there. If you have a TV or a radio then you've heard many commercials to help build or repair your credit. Many of us have struggled with credit card debt. Especially when many of us were forced to use credit cards during the recession.  I'm not saying that we shouldn't use them, I'm just saying that we should be a little more smart about it.

One great way to know whether or not a credit card is a good one is to check out some credit card reviews.  This is an effective way to read up and get comfortable with the credit card.  Are consumers happy with the service?  Are the rates too high?  No grace periods?  Low balance?  Reward points?  You can get all of that answered by reading a few reviews and see if consumers are happy.  Happy customers usually means that it's a fair card.

Another thing you can do is check out the finance boards.  This is most effective when you do not have a particular card in mind.  The finance boards can have a wide range of topics and it can be overwhelming at first, but after reading a few topics, you'll be able to narrow your search and find what you're looking for.  Especially when many customers can pitch in and provide their 2 cents on a credit card that they own. 

Chase credit cards, Citi credit cards, any credit cards.  If you do a little homework before you apply, you are more than likely to know whether or not you really can afford to have a credit card.  Interest rates, grace periods, and whether or not they have reward points may play a factor in your decision but always remember that in the end, the debt will need to be paid and all the points in the world cannot pay it off.  Stay smart and good luck!  Later!

Motivational Monday - Stress Relief

Extremely handy!

April 2011 Give-a-way: Plants Vs. Zombies (Xbox 360)

Hey there friends.  Here is the item up for grabs: 

How do you win this awesome game for the Xbox360?  Here are the rules:

Open to US and Canadian friends only.  Give-a-way will run from the 15th of the month until the end of the month.  The winner will be announced shortly after the give-a-way ends.

Earn entries by:

Comment on the post of the giveaway (+1 entry)
Share on Facebook (+3 entries)
Share on Twitter (+3 entries)
Share on Google Buzz (+3 entries)
Subscribe to my feed (+5 entries)

For those of you that gain additional entries by sharing or subscribing, you only need to leave 1 comment for each.  I will keep tabs of the additional entries on a spread sheet so there is no need to leave 5 comments for subscribing or 3 comments for sharing.  

PLANTS Vs. ZOMBIES!!!  This popular game is now available on Xbox 360.  This awesome version also includes 2 bonus games: Peggle and Zuma.  3 games in one give a way!  Get your entries in today and score your free copy of this game!  Good luck!  Later!

I Think I'm Ready to Branch Out

Hey there.  I picked up the game for the monthly give a way last night (which will be posted shortly!) and my son was pretty excited about the game that I'm giving away.  He was hoping that it was for us to keep until I told him that it wasn't.  That's when he decided that he was going to enter the contest himself in order to win it for himself.  lol  After I explained to him that he can't win cause he lives in our house, he went on to say that he's going to get his friends to enter so that if they win, he can play the game there.  lol  Kids.  I told him to go for it, and that's when it hit me...  His friends love games and I like to give stuff away so I think I'm going to get some personalized pens to give out.  It would be awesome to have small tokens to give out that will have the Metallman name on it.  I think something like this would be awesome.  It matches my logo colors and it looks pretty cool.

It's been a long time coming.  I want to have t shirts made too, but I still need a logo.  Something a little more modern and something a little more catchy.  I'm still in the market for a good one so if you know anyone that can create one for me, send em my way.  Once I get that done, I was thinking of making some custom envelopes so especially made for the winners of the monthly give a ways.  It would be awesome to be able to send out prizes with style.  I was able to find good prices at Amsterdam Printing so I'm thinking of going with that.

What are your experiences in having your name out there in real world?  Did you provide pens, pencils, business cards, etc. etc.?  I would love to get the name out there but I know it would be foolish to do something grand without a grand following.  What do you think?  Suggestions are definitely welcomed.  Thanks!

Motivational Monday - Slacking Off

Substitute days apply to all, not just students!

Axis of Awesome: 4 Chord Song

Hey there.  This musical comedy act was recently a part of the annual April Foolishness comedy show that is presented by the local radio station, KROQ.  They had these guys on their show to do a part of their act and these guys are simply hilarious!  Check out this bit from one of their shows.  Funny, funny stuff!!!!  Enjoy!