If you're looking for a credit card, shop around, don't accept the first offer you get. There are many fees and charges that can add up to the cost of the card. Decide on how you plan to use the card, whether you'll pay off your full dues or if you intend to carry a balance. Then find a card that will cost the least for your type of usage. Credit Card Charges and Fees The first point to look for is the Annual Percentage Rate (APR). That's the yearly interest rate charged on your card. There's also the Periodic Rate, which is the rate levied on your card balance for each billing cycle. If the APR is variable, the interest rate can go up or down depending on changes in certain economic indexes. Get information on how often the rate changes occur and what factors determine these changes. When you use your credit card, there are some fees that you should know about. These include annual fees, late payment charges, charges for cash advance, and exceeding your credit limit. Finding the Right Card â If you have a habit of carrying a large balance on your credit card, look for cards with a low APR. There might not offer rewards like air miles or cashback, but they let you save interest charges on your balance â If you regularly clear your card dues on time, you can choose cards that charge a higher APR but have reward programs and other benefits â If you're considering a zero percent interest rate balance transfer offer, remember there can be a one time charge of 3% on the balance when you start the transfer â Some card issuers have a low APR for an initial period. However, find out how much the APR would be when the offer period expires â When you charge an expense to your card like hotel bill or a pair of shoes, you get a grace period. During this period, you can pay the dues without charges â However, if you get a cash advance on your card, or do a balance transfer, the interest rate starts ticking from day one Chip and PIN Look for cards with EMV chip and PIN features: â Previously, all American credit cards carried authentication information on a magnetic strip. Not only was this easy to read, but it was also easy to duplicate. This resulted in a number of credit card frauds. â Now, there's an embedded chip on the card which carries the information in an encrypted form. The cardholder has to enter a PIN to complete the transaction Take all these factors into consideration when you choose a card. Also look for a card issuer who offers 24/7 customer support. If you encounter a problem like an unauthorized charge on your card or a lost card, you can instantly contact customer support. The card can be cancelled and a new one issued to stop the thief from using your card.

There are various types of insurance schemes for the common man. They each have their advantages and disadvantages. What works for you can be chosen only after a detailed study and thorough understanding of all the finer details of each policy. Let us compare term life insurance and universal life insurance policies. Term life insurance is a basic insurance that is valid, as the name suggests, only for a specified period. And, if the insured person is alive at the time the policy period ends, then he or the beneficiaries of the insurance coverage are not compensated in any way. The insurance premiums paid thus far are rendered useless. Although the universal life insurance is more expensive than the term life insurance, the security of getting a certain payout at the end of the duration of this policy is satisfying, unlike in a term life insurance. However, universal life insurance, or permanent insurance as it is otherwise called, combines death benefits with a savings factor that can be reinvested or cashed at any time and, additionally this is also tax-free. But policy holders are penalized for pre-closing the universal life insurance earlier than its fixed term. Irrelevant for those who want to insure themselves against unforeseen accidents or mishaps, term life insurance is in contradiction, a good alternative for those who know for sure that their life is nearing an end because of a serious illness or health condition. But for those people who want a secure and definite payout after their life ends, universal insurance is the right choice. The choice of converting a term life insurance policy to a permanent insurance within a limited time frame is helpful for many who decide to do exactly that, considering the changes in their health or living situations. Although it is expensive to do so, term life insurance can also be renewed after its term expires. Despite being more complex than term life insurance, universal life insurance has its advantages. Withdrawals are made possible and loans are allowed against the insurance amount during the term of the policy.

Snow plowing is never an easy task and in case you are looking for a lightweight snow plow, certain points need to be considered. Below are listed some of the relevant factors which should be key components of your thought process before you head to a snow plow blades for sale event to purchase the lightweight snow plow.

• Size of the project: Size of the project always matters when you decide to purchase a snow plow. If you are thinking of buying a plow for personal use only, a lightweight snow plow can easily do the task since it will be used for clearing up the snow from a limited area only. You can ideally also consider heading to the snow plow equipment for sale event since there are high chances of getting the most suitable equipment and lightweight snow plow at a great price.
• Vehicle attachment: The vehicle to be attached to the snow plow also plays a vital role in deciding the kind of plow you should be purchasing. If you have a tractor at home and a lightweight snow plow is needed for cleaning up your yard from snow, you can opt for this kind of snow plow. Vehicle attachment will be perfect in this case and different snow plow blades for sale event can also give you a suitable opportunity to get back-up accessories for your vehicle.
• Budget consideration: If you have a budget of $3000 for the entire cost of the operation at hand, a lightweight snow plow can be easily purchased in this price range. Snow plow blades for sale and snow plow equipment for sale events can also help you save some precious dollars which can be used for some other purpose such as to buy any other accessory, as and when required.
• Ease of use: Ease of use is another factor which should be considered when you decide to purchase a lightweight snow plow. Since the plow will be used for personal purpose only, it will be best if you purchase a lightweight snow plow. This will not only be easy to operate but will also make the task easier since the same can be completed in minimal time.
• Material: A lightweight snow plow requires less amount of material support since it is used in a limited area for carrying out snow clearing operations. With snowplow equipment for sale conveniently available, any additional material for a lightweight snow plow can be easily bought. This will, however, be difficult in case of large snow cutters which require competent professionals as operators.

Keep these factors in mind while purchasing the right kind of lightweight snow plow.

Applicants applying for a job at Dollar General should be at least 18 years old. Entry-level jobs usually do not require previous experience; however, other managerial and management positions would need typical educational qualifications related to that field. Here is a list of few popular Dollar General positions and their salary information: Cashier: The main responsibility of a cashier is to ring up purchases and answer customer queries regarding merchandises on shelf, sale, and store policies. Job seekers at for this position at Dollar General must be able to work fast and efficiently and should be able to stand for entire shifts. There is no relevant experience necessary for this position. The average salary of a cashier at Dollar General starts out with a minimum wage and can be expected to rise to $9 per hour. Sales associates: This job position at Dollar General requires the applicant to be able to answer customer’s questions, such as finding requested items. They are also responsible for restocking shelf and completing sales. Additional duties may involve unloading trucks and organize merchandise in storage rooms. Basic mathematical skills are required to work on registers. The annual salary of a sales associate is $20,000 per annum. The salary for this position starts at minimum hourly wage. Management: Management and managerial jobs at Dollar General require the employees to keep records of inventory and sales and complete team member schedules and supervise all employees. Other duties include interacting with customers to provide them with better shopping experience. They are also responsible for hiring other qualified candidates and perform tasks to support store associates. Managers can often earn $50,000 per annum. Perishable foods manager: It manages the perishable department that assists customers in picking out meats, frozen foods, and other perishables. The hourly wage for this post is $10 per hour. Warehouse Supervisor: A warehouse supervisor supervises a warehouse and maintains the punctuality by making sure that the merchandise for the local stores is promptly received and shipped. The salary offered for this job is $20 per hour.

The Samsung Galaxy Tablet, one of the best tablet computers, was first launched in September 2, 2010. Since then it has seen great success with several other models being launched through the year. The first Samsung Galaxy Tab (renamed later as Galaxy 7.0) was the first Android-powered tablet to be released. With a 7-inch LCD display and a high resolution of 1024 x 600 pixels and a 1 GHz Single core processor, it took the markets by storm. Seeing its instant success, several other models followed the first Galaxy, with each having an increase in speed, capacity, quality and other features and functionality. The Samsung Galaxy Tab S3 2017 The Samsung Galaxy S3, launched on February 26, 2017 is the latest model of the Galaxy series. Let's take a look at its edgy features: Premium Glass Design As sleek as a premium smartphone with all qualities of a tablet computer, the shiny glass back of the tablet gives it a classy, premium look. Extraordinary Viewing Experience The superb clarity and the HDR quality of the playback videos and the pictures gives an extraordinary viewing experience. You can now watch your favorite movies and videos and enjoy it an exclusive Samsung Galaxy experience. 9.7-Inch Screen The new Tablet comes with a 9.7-inch display that is quite big for a tablet. Speakers It has speakers installed in every corner of the tablet and lets the user enjoy videos and audio to the fullest. Also, the HDR video lets the user enjoy scenes as realistically as possible. Power Saving The power save mode, mute games and ongoing calls are added benefits. It helps you save your battery as well us keep a tab on apps that are running in the background. Redesigned S Pen The new S Pen that comes with the tablet writes fluidly and is ergonomically designed for a good grip. The tip is 0.7 mm wide, which gives the most natural writing experience. Long Battery Life You don't have to worry about low battery issues. With a longer battery life and fast charging, it makes your life easier. Sync N Store The Samsung flow lets you shift from phone to tablet and back in seconds and with ease. One can transfer the contents of the phone to view them on a bigger screen. This means the user is simultaneously notified of calls and messages on the phone and tablet. By now, you will be convinced of how fantastic the Samsung Galaxy Tablet is. It out performs a number of competitors and offers excellent usability. Get yours today and experience the ease that a tablet can bring into your life.

As a small business owner, you rely on the Internet for multiple daily tasks such as internal communication, marketing, customer servicing, and many more. The importance of World Wide Web continues to grow, which makes it crucial that you choose a reliable Internet service provider (ISP). You may choose from several ISPs, however, it can seem like a daunting, confusing task. Here are four things you must look for in a reliable service provider.

• Service quality

Above all other things, the business internet must have fast speeds. If the service is slow, it may prevent you from communicating with your clients, benefit from important software, or avail of crucial information. Fast speed means an upload speed of at least 3Mpbs and a download rate of 25Mbps. If you rely on the internet for your daily activities or use complicated and data-heavy apps, you must choose higher speed business internet deals from a reputed business internet access provider.

• Customer servicing

A fast speed will not be of much use if there are frequent downtimes or technical issues. To ensure any issue is immediately resolved, you must choose a well-reputed and reliable business internet provider that offers quick customer servicing. You must be able to connect with the executives at any time during the week and weekends. You must look for business service providers in your are to get quick customer service.

• Guarantees

A reliable business Internet service provider will offer a money-back guarantee within a certain period if you are unsatisfied with the quality. This shows that the service provider is confident about its quality and is willing to assume responsibility for any issues.

• Service costs

Cost is an important consideration, however, it must not be your only consideration. It is important you choose a reliable and reputed service provider at a reasonable cost. The price varies from one location to another and on the features you include in the plan. It is recommended you acquire at least three quotations and compare these before making your decision. As your business grows, your need for Internet services will increase. Therefore, you must choose an agency that allows scalability without requiring you to spend too much money while upgrading.