Rewards credit card guide

Feb 24, 2012 by blackbook

What is a rewards credit card you may ask? Well…

If you shop regularly and your credit card is your best friend, then you may want to think about getting a rewards card. A rewards card is very similar to cash-back card; however, when you spend money on your card you gain back rewards, not cash.

Different types of cards have different types of rewards. So be sure to pick one that will fit your lifestyle and benefit you greatly. For example, if you are involved in business and need to travel to and fro all the time, you may want a rewards card that will save you money on transportation costs. If you are a working mum and always end up spending an absolute fortune on the weekly shopping, then why not get a rewards card which will give you discounts off of your weekly shop?

You may be asking yourself what the benefits of a reward card are… Reward cards have numerous benefits and every single time you spend on a rewards credit card, you earn yourself a reward.–The more money that you spend, the bigger the rewards! Most cards will offer you point for every £1 that is spent on their card; these points can then be exchanged for numerous things, depending on what type of card you have. Restaurant meals, cinema tickets and theme park trips are just some of the things that points can be spent on!

What’s the catch then? Well, if you’re thinking about a rewards card, you must be sure that you can pay off your balance in full at the end of every month. If you don’t, any interest you will pay on your outstanding debt will outweigh the value of any reward.

Another point to consider is the idea that you may have to spend a really large amount of money to earn a reward. A shopping spree of £100 could earn you just £1 worth of points, for example.

Picture courtesy of 401K

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Tips for finding a divorce solicitor

Jan 22, 2012 by blackbook

If you are looking to end your marriage then you need to make sure you have the right divorce lawyer to take you through the whole separation process. A solicitor who is a trained divorce or family solicitor is important, especially if you have children to make sure the whole process is fair.

When your divorcing someone, you will probably find yourself spending time or dealing with solicitors in Cardiff a lot so you need to make sure you are happy with them and that you can work with them.  Some solicitors can also be expensive; however it is important not to be guided by price, experience can sometimes be a better gauge. However it is important to discuss costs with your solicitor so there is no confusion or no surprises.

You may find the first divorce solicitor you deal with may not be the right one for you, it’s important that you don’t stick with them because you feel obliged if you are not happy with the way they treat your divorce or how they treat you. 

Make sure you ask yourself these questions:

Did I feel the solicitor was listening to me?
Is this solicitor able to provide the service I want/need?
Do I have confidence in the solicitor? In the way they would handle my case and also in the advice they gave me.
Was I made to feel that I was an important client to the solicitor or just another file in the filing cabinet?
Will the solicitor I saw be the one dealing with my case or will I get passed down the line?
Was I able to ask all the questions I wanted to ask and were my questions answered?
Did I feel I would be allowed to be in control of the process and the timing of the process?

Choosing the right solicitors in Leeds should mean that you shouldn’t find the whole process of divorce too hard, there is no getting away from the fact it’s not a nice process, but having the right help and support can make all the difference.

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The CitiFX Pedigree

Oct 12, 2011 by blackbook

SaxoTrader

CitiFX was developed from an award-winning trading platform known as SaxoTrader. Originally designed by the enterprising and innovative Danish bank, Saxo Bank, the SaxoTrader platform provides a comprehensive trading interface that allows investors to trade Contracts For Difference (CFDs), Exchange Traded Funds (ETFs), Foreign Exchange Forwards, Forex, Futures, Options and Stocks.

SaxoTrader provides access to a wide range of market information. It also delivers technical tools and the key features that are required for successful trading.

CitiFX

CitiFX reviews reveal that, whilst adapting Saxo Trader, the very precise specifications from Citi have resulted in a sophisticated product aimed at all traders, no matter what level, that provides excellent operational facilities.

In essence, by uniting SaxoTrader’s proven capabilities in providing online support for traders with Citi’s capacity to capture the forex market, the resulting CitiFX program combines improved liquidity and prices from Citi with tried and tested Saxo services and products. This combination creates an ideal product, backed by excellent services, for an ever-growing audience of individual and smaller-scale institutions investing in the forex market.

Leverage

CitiFX reviews note the maximum leverage for CitiFX Pro, which is 50:1. This means that an initial deposit of £10,000 allows traders to open trades for up to 50 times this amount or £500,000. It is an advantage that Citi is also a bank. An additional and unusual bonus for CitiFX Pro traders is that all accounts held in United States Dollars (USD) are insured by the Federal Deposit Insurance Corporation (FDIC), up to a ceiling of $250,000.

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