Author Archives: Don Juan

About Don Juan

Don Juan loves laying on the beach when he isn't writing posts around the internet.

credit card rewardsWith all the cashback and reward offers out there, you could make a good return on your spending by choosing the right credit cards. But if you aren't careful, you could also become one of the many people dealing with credit card debt, and once you're stuck with that, it can be tough to pay off.

To make credit cards work for you, here are a few helpful tips and tricks:

Maximize Your Signup Bonuses

The typical credit card rewards rate is 1 percent. That's one percent cashback on every purchase, or 1 reward point/frequent flyer mile per dollar spent, which is generally considered to be worth about 1 cent.

Many cards have better rates, but even then, you're probably looking at 2 to 3 percent. That's a decent return, but it's nothing huge.

The real way to get plenty of cashback or rewards is credit card signup bonuses, which can often be 50,000 points or more for spending a certain minimum amount within a specific timeframe after getting the card.

To maximize your credit card rewards, you need to apply for new cards periodically to get more of those big signup bonuses.

Pay Everything You Can with a Credit Card

Your credit card is most likely the only option you have to make a return on your spending, as you certainly don't get that when you pay with cash or your debit card. So why not make the most of it? Put all the expenses you can on a credit card.

When you do this, you make sure you earn as many points as possible. This also helps you reach the minimum spending on any credit card signup bonuses you're after. You can even combine your credit card with other types of financing to keep getting points. Let's say you've gotten title loans in Tampa to pay pressing expenses. You can still pay those expenses using your credit card, and then pay your credit card bill with a title loan.

For the best results, see where your credit cards earn bonus points and match your spending accordingly. If you have a Chase Sapphire Reserve that earns 3 points per dollar spent on dining, put all your bar and restaurant tabs on that.

Never Pay a Cent of Interest

If you follow the two tips above, you'll earn far more in cashback or rewards than most consumers. But to ensure that you're actually making money from this, you need to avoid getting charged any interest.

Fortunately, there's a simple way to avoid interest charges. You just need to pay whatever is listed on the statement balance every month. The current balance is also an option, but the statement balance is what's important in terms of whether or not your card issuer charges you any interest.

None of the tricks above are that hard to implement. All you need to do is keep up with credit card news a bit to see what the best signup bonuses are. And, of course, stay disciplined financially to avoid interest charges. Don't spend recklessly just because you have the credit for it. Make your credit card beneficial for you instead of for the card issuer.

When a loved one dies, the first order of business is to locate the will. If a will cannot be found, family members must search for the will. Whether you need help preparing a will or probate solicitors in London to guide you through the probate process, the solicitors at SCL Wills and Probate can assist you.

In order to make sure your wishes are known and reduce stress for your family in an already difficult time, it is important to have a will in place and let your loved ones know where to find the will. You can find additional information about the will writing services offered by SCL Wills and Probate at www.sclwillsandprobate.co.uk .

The Process of Making a Will

Although it is possible to write a will on your own, there are many factors to consider and having the advice of solicitors specialising in wills can be helpful. A solicitor can advise you about the laws, suggest ways to minimise the inheritance tax paid on your estate, guide you through the process of making a will, and even store your will.

There are many factors that should be considered when making a will. Your will should address the people you want to inherit your property, money, and other possessions and name an executor to sort out your estate. If you have minor children, you should name a person to look after the children for you. You may also want to decide what will happen if the people you have chosen to benefit from your estate die before you.

Some estates are relatively simple and straightforward, but other situations can be complex. A solicitor can offer advice for these situations. You may want to get the advice of will and probate lawyers if you share property with someone who is not a spouse or civil partner, want to leave money for dependents who are unable to care for themselves, own a business in the UK, have property or a business overseas, or have family members who may make a claim on your will, such as children from a prior marriage.

When you take the time to make a will, you also want to make sure the will is legally valid. In order for a will to be valid, the person making the will must be over the age of 18, be of sound mind, and voluntarily make the will. The will must be in writing, be signed in the presence of two witnesses above the age of 18, and have two witness signatures. The witnesses must sign the will in your presence. The witnesses cannot be people who will benefit from your will.

Changes in life may require changes to a will in the future. For example, if you get married, get divorced, have children, or other changes in your life situation, you may want to change the people who will inherit your property and assets. This can be done by creating a codicil to your existing will. A solicitor specialising in wills can help you make the necessary changes.

Getting rid of a broken down or old car can be a little daunting seeing as it is not something you do every day.  How do you know what your car is worth? Who should you contact? Luckily, if you need to junk a car for cash it can be a lot simple than you imagined. If you keep a few key tips in mind it can really make the experience, go a lot smoother than the nightmare some may have.

One thing to always be sure of is to find your title. Not properly obtaining your title and transferring it to the individual or company purchasing the car may cause you to incur various fees. State records will show you still technically own the vehicle whether it is in your possession. Sometimes it is not always required depending on the age of the vehicle, this number can vary by state. Inquire with your local department of motor vehicles to find out the specifics for your area when it comes to the required documentation and processes involved to streamline the process as much as possible.

Along with getting your title in order, some states require you return the plates to cancel registration. Sometimes you are unable to cancel your insurance policy until this is done either.  Doing this ahead of time will save a lot of time and head ache. You do not want to try and get your plates while a busy tow truck driver is waiting!

Junkyards are normally pricing out the metal or potentially reusable parts but in most cases, they are not going to give you extra for your premium parts. Things like aftermarket radios and good tires will only be icing on the cake for them. If your tires are still in good condition, consider picking up some bald tires to replace them, then resell the good tires.

Just like buying a car, simply because one person has said what they will pay you does not mean that everyone will pay the same. Give your car a good look over and take down everything you observe such as areas of the vehicle with damage, mileage and how long since the car was last driven.  The more detailed and useful information you can gather the more accurate your quotes will be.  You can also use Kelley Blue Book to find out a rough idea of the value of your car.  If it isn't running, consider having a mechanic check out the vehicle to determine if it's an easy fix. You can also subtract the amount needed to repair the car from the KBB estimate to get an idea. A car that runs can be worth considerably more than one that doesn't.

Call several different salvage yards and junkyards and write down what each is willing to offer to get the best price. There are also numerous online companies out there that may be interested in your car, a quick search can turn up several scrap car companies. Your local paper can also have several local companies listed in the classifieds. You never know when the next phone call you make could yield even more money than the last.

Make sure you remove all your personal items from your car as well. Check in all the small out of sight areas and make sure you do not miss anything. You never know what personal items or information may be hiding underneath your seats. You don't want to find out that you left something valuable in there like an iPod or perhaps even old mail like bank statements.    

When arranging a way to get your vehicle to the lot there are a few things to consider.  Obviously, if the car can be driven then some junkyards will pay more for bringing it to them so be sure to mention that when discussing the vehicle. If the vehicle does not run, then the most convenient option is to have the junkyard pick up the car. Make sure you are aware what your car is worth as sometimes they may change what they are willing to offer once the car is loaded.  Do not let them push you out of money you should be paid. You've done all the work to know what it's worth.

If you keep these tips in mind, getting rid of your car can be a breeze. In fact, junking your extra car can be one great idea to get extra cash for the holidays. Just take your time and before you know it you will be cashing your check and moving on to the next daunting task of replacing it!