Playing the Credit Card Game – And Winning!

Greed is the banks’ undoing. It’s their blind desire to get their plastic into your hands at all costs that gives you an edge in the credit card game – if you play your cards right.In games of chance the odds are always stacked against you. Over the long run the house always comes out ahead. Much the same is true when you are dealing with banks and credit cards. High interest rates and hidden fees insure that the banks always win and you always lose. Right? Well, not necessarily. Not if you are willing to take the time to play the game all the way to the end.In their mad rush to get their card into your pocket or purse, many banks are willing to wave all interest payments for a certain amount of time, generally 6 billing cycles or often 12 billing cycles. They are also willing to forgo any balance transfer fees.This means that you can order their card and transfer any balances you have on other cards into their bank and not pay any interest on your balance or on your new purchases for 6 months or even a full year. This can be a really excellent deal for you, especially if you currently have a high balance on another card where you are paying a high rate of interest.Now you do have to be somewhat careful and read the small print, because banks aren’t stupid. In order to make up for giving you free interest they will often add on a variety of charges that are designed to make up for their short-term “generosity” with the interest.Look for monthly “account maintenance fees” and for extremely high ATM charges. These are the two places where banks typically try to make up their losses when they offer you the zero-interest come-on to get you to try their card.So check out each card’s charges as best you can, use ATMs sparingly, and keep track of when the zero-interest introductory offer is ready to expire so that you can find your next zero-interest introductory card and transfer your balance again. As long as you keep track of where you are in your free cycle and you are willing to change cards a couple of times each year then you can go for years and years without paying interest on your outstanding balance and saving potentially thousands of dollars over time.In order to make this system work, so that you finally beat the banks at their own game, you need a website that allows you to compare dozens of credit cards and their rates and terms head-to-head. Once you have that information in front of you then there is nothing to stand in your way of playing the credit card game and winning every hand!

Board Games Help Families Have Fun Together at Home

One of the biggest trends for families who are never together is planning a family board game night. It’s an idea originally used to market board games, but it’s also an idea that families all over are embracing.Why? Because in this modern age of video games, cell phones, television, and endless planned activities, the amount of time we actually spend with our children is dwindling. Too many families are never together, and when they are, they are staring at the television, texting their friends, or all in separate rooms doing separate activities.Planning a family board game night is perfect for people who value their family time and recognize that their children are growing up and away without really spending quality time with them.Remember, playing a game with your child is supposed to be fun, and not something that will end up in a child stalking off in tears. Sometimes, parents have to force themselves to play a game that is less than challenging and simply enjoy watching your child have fun. Before you know it, that game of Shoots and Ladders can be fun even for the adult.Choose your games carefully. This can be tough when you have children of varying ages and skills. It’s okay to help a younger child, just make sure you speak to your older child and explain why their brother or sister is getting extra help and they are not. You want to avoid the “It’s not fair!” cry that can come from this strategy.One thing to do is the Great Compromise. Start the night off with a game your little one can easily play, and then move on to something that might be a bit more challenging for your ten-year-old. Junior versions of games can be perfect for the elementary-aged children and still leave enough challenge for adults to have fun.Board games are relatively inexpensive, so it’s easy to build a library of games. That way, you’ll never grow bored with the two or three games on your shelf. Remember to get a variety of games, some that are just silly fun, and other that may have a learning aspect to them.And don’t forget that you can pull out a board game any time your kids get bored. You don’t have to wait for the entire family to be around, but keep them as a fun option on those rainy days.


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