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Credit cards have had bad press over the past few months of the credit crunch, by politicians claiming that they only cause more debt and have unfair rates of interest. There are some truths which are apparent when concerning this method of borrowing, such as people treating it as free money and not thinking about the consequences. However, if a credit card is used in the correct way and you keep up with low mortgage rate refinance payments, they can be very valuable in many aspects.

One of the most beneficial aspects of having a credit card is that it can help you to increase your credit score. If you have little borrowing experience, taking out a credit card helps to convey to other creditors that you are a responsible and reliable borrower. By keeping up with your hostgator coupon code and not always being maxed out, you are proving that you are able to borrow money and pay it back. As a result your credit score is bound to increase, making it easier in the future when applying for a loan or a mortgage.

Another benefit of owning a credit card is that it can be easier to buy things. Some companies, such as those in the travel sector like hotels, airlines and car rental consolidate your student loans prefer payment by credit card, and some do not accept cash payments at all. As well as this convenience, many card companies give insurance on large purchases. An example of this is when airline XL went bust in September, many of the people who had purchased their tickets with a credit card were able to get a refund because of the insurance their credit card offered. Others who had paid in cash or by a bank card were not able to get refunded. A credit card also acts as proof of a purchase, as all purchases are recorded on your statements, so if something gets stolen or lost you can keep your mind at rest because you have proof that you purchased it.

A more obvious benefit of a credit card, and one of the main reasons people apply for a credit card, is that you have access to money during emergencies. If you resist the temptation of spending the money on your credit card, you are left with a good sum of money to use when you most need it. You only pay interest on purchases or on cash withdrawals, so keeping a credit card at home (where you won't be able to spend on it) can be very valuable.

When choosing a moneysupermarketcards/card make sure you shop around- there are hundreds of offers available to choose from. Aim to apply for an moneysupermarketcards/interest free credit card as this could save you a lot of money over the course that the card stays at 0%. Remember, credit cards can get you more into debt, but if used correctly could be highly beneficial.

When we set out to write from memory, our biggest obstacle is finding the specific sense memories which anchor our work auto insurance rate make it credible and real to readers. At the outset we must accept that memory is malleable and changeable witness. The truth in your writing comes from your emotional certainty that rises up from your body and charges the sense memories you retrieve.

Here's a visualization to help you go back your childhood room. Participants in my workshop "Always Coming Home at the Land Full of Stories Conference for the Story Circle Network in San Marcos, Texas, found it an effective tool.

1) Drop into your breath and come home to your body. Notice where you hold your Equity loan of tension and release them by moving your body to get comfortable and breathing into the tight place.

2) Go to the place where you feel most at home, whether this is inside or mesothelioma information and at anytime in your life.

3) Now go to your childhood home. Enter the house. Look carefully at the doorway. You are on the threshold of another time, place, and way of being. What does the door handle look like. What does it feel like? What do you feel like as you enter this home?

4) Go inside and explore the rooms one by one until you come to your childhood room. What does this doorknob feel like in your hand? What does the door look like? What feelings arise as you step over the threshold? What do you see? Feel? Smell? Touch? Hear? Know?

5) Come back to this room where you are right now and write about your experience.

You can adapt this visualization to retrieve memories from other places in your childhood. The key is the specific sense memory cue. Here it is the doorknob. In other spaces you'll know what to substitute to take you back in time and come back with a clearer sense of what happened there.

Visit Janet Grace Riehl's blog "Riehl Life: Village Wisdom for the 21st Century" at riehliferiehlife for more thoughts and information about making connections through the arts, across cultures, generations, and within the family. You can also read sample poems and other background information from "Sightlines: A Poet's Diary" on Janet's website.