Quick Finance

All types of finance related tips that will help you save money on a huge range of normal household bills.

Credit card tools

Choosing a credit card is a very difficult and confusing task, their are a variety of tools on the web which will make your life easier when you need to know the best deals.

Below is a picture of comparison website which4U we will be covering their credit card tool.Beat My Card

To start using this tool you have to click on the small intro banner located on their credit cards page.

Beat My Card

Here is the main section of the beat my card tool all you have to do is simple slide the 3 icons to the correct figures and then you get your results, its that simple you could be saving yourself lots of money by filling out this form.

Good luck I hope you find a card that suits you and most importantly SAVES YOU MONEY.

Mortgages The Beginning

House

Buying a home is the dream everyone has and the majority of people will own a house at some point in their life, however this wasn’t always the case before the 1930s people just couldn’t afford to buy a house in one big lump sum as a bank loan specifically to pay for a home wasn’t around in these days, which we now know as a mortgage.

In simple terms a mortgage is a bank loan in which your house is taken as collateral. The bank loans you a large chunk of money (usually around 80% of the home price with the other 20% being your deposit) which you have to pay back with interest over a set period of time. Should you fail to pay back the loan you home is taken back through a legal process known as foreclosure.


For many years the only type of mortgage available was the fixed interest loan which was then repaid over 30 years. It offers stability of regular and reasonably low monthly payments. In the 1980s came the adjustable rate mortgages (ARMs), loans with an even lower initial interest rates that resets every year throughout the lifetime off the mortgage. At the peak of the housing boom, when lenders where trying to squeeze under qualified borrowers into a mortgage they began offer unique ARMs with shorter reset periods, extremely low rates and no limit on rate increases.

When you put together bad loans and a bad economy you get a huge amount of foreclosures, the USA has seen 1,070,000 completed foreclosures from 2007-2010.

If you look back at that period now it is clear that the borrowers didn’t understand the terms of the mortgage they were signing. This is why it is compulsory to read the terms of your mortgage, in particular the ‘pitfalls’ of non-traditional loans.

Best Credit card

Credit cards can be very useful, however if used wrong it can be a dangerous tool to get yourself into serous debt. Most of this depends on you — the best credit cards in the world will not allow you to spend more than you have, a large proportion of adults carry thousands of pounds in debt and live with it for a large amount of their lives.

Carrying cash

If your responsible with your credit card they can be a very useful and efficient way of paying bills or groceries. not only is a credit card efficient you can get cash back credit cards which will allow you to save on purchases made with it and it also allows you to go shopping without carrying cash around with you.

If you are looking for a quick answer to what the best credit card is you will struggle to get the answer, you should choose a card the reflects your type of life style:

  • If you are are someone who revolves a balance credit card debt, focus on cards that offer low interest rates (especially on balance transfers) — and put a stop to new charges.
  • If you pay your balance in full every month, find a cash back credit card with no annual fees and a solid cash rewards program.
  • Some credit card users have special needs. If you spend a lot on petrol, consider a petrol credit card that gives added rewards on auto expenses. If you travel a lot, look for a card with rewards for flights and lodging.

Remember don’t sign up to a credit card just because it gives you a discount at your favourite store, or allows you to spend huge amounts of money you don’t have.


If you need an idea on some of the best credit cards on the market right now are check the over at WHICH4U they have a table showing you the best cards on the market.

gailsimone:

filmsfoodandfandom:

gailsimone:

multiverseincollapse:

“Goodbye, reserve JLA membership”.
Birds of Prey #2, by Gail Simone and Ed Benes.

Again, Ed Benes knows what to bring to a panel. The costume here is a little unfortunate, but especially in context, you FEEL the impact. I cannot tell you how many times I have asked for a fight to ‘look like it HURTS,’ and the artist simply doesn’t bring that kind of kapow.
I really do love working with Ed. I always know I have a wide, wide range of emotions I can ask for and he will always nail them.
Now if I can get the butt shots down to a manageable level!  ;)

I remember in one of the issues you two did in your first BoP run Black Canary and Cheshire fought in a giant hotel.  During the fight, Cheshire got knocked out of her window and into a pool. And then I remember that Cheshire continued to fight despite the fact that she was wearing nothing but a soaked white negligee. I had a hard time reading that fight because it was so ridiculously over-the-top. I just couldn’t stop laughing.  I love Benes, too. But did it ever get to a point where you had to pull him aside and say, “Benes, no, just…no…”?

I have to take the blame for that one, I thought it would be funny to subvert that notion, a woman in her lingerie fighting another in a pool. The idea was to make the scene COMPLETELY over the top and funny, as punctuated by the young couple watching the scene. And it’s brutal enough to have a bit of an edge, too.
There are three scenes that Ed gets blamed for that were actually my idea. That one, a panel in the first issue we did that has Black Canary using her legs to hold a businessman against a car door (the theme of that issue was legs, both Oracle’s and Black Canary’s, and the figurative power they carried in them)…I don’t regret either of those, they work well, and while they skirt the line of sexy and trashy, I don’t think they really cross it except in a humorous way.
But the third, I do regret…I asked for Ed to ‘go wild’ on a Penguin sex dream with the Birds, and the idea was really funny as scripted, but drawn, it was hard to distinguish as satire, it just looked like pandering. And that was actually toned down! The first version was naughty enough that we couldn’t publish it.
But in all three cases, they were my idea, so I take the blame.
What bugs me sometimes is when that stuff shows up at inappropriate times, and Ed really is not the worst offender at ALL. I think it’s okay during a fight or an action scene to ramp up the sex a little bit, I do it with all my characters in one way or another. But during a serious dramatic moment, it’s distracting. Ed takes those scenes seriously, and I love him for that.
But with artists who draw extremely sexual characters, sometimes you get a butt shot at the wrong time, and it’s not just men, some of the worst offenders I’ve worked with were female artists.

gailsimone:

filmsfoodandfandom:

gailsimone:

multiverseincollapse:

“Goodbye, reserve JLA membership”.

Birds of Prey #2, by Gail Simone and Ed Benes.

Again, Ed Benes knows what to bring to a panel. The costume here is a little unfortunate, but especially in context, you FEEL the impact. I cannot tell you how many times I have asked for a fight to ‘look like it HURTS,’ and the artist simply doesn’t bring that kind of kapow.

I really do love working with Ed. I always know I have a wide, wide range of emotions I can ask for and he will always nail them.

Now if I can get the butt shots down to a manageable level!  ;)

I remember in one of the issues you two did in your first BoP run Black Canary and Cheshire fought in a giant hotel.  During the fight, Cheshire got knocked out of her window and into a pool. And then I remember that Cheshire continued to fight despite the fact that she was wearing nothing but a soaked white negligee. I had a hard time reading that fight because it was so ridiculously over-the-top. I just couldn’t stop laughing.  I love Benes, too. But did it ever get to a point where you had to pull him aside and say, “Benes, no, just…no…”?

I have to take the blame for that one, I thought it would be funny to subvert that notion, a woman in her lingerie fighting another in a pool. The idea was to make the scene COMPLETELY over the top and funny, as punctuated by the young couple watching the scene. And it’s brutal enough to have a bit of an edge, too.

There are three scenes that Ed gets blamed for that were actually my idea. That one, a panel in the first issue we did that has Black Canary using her legs to hold a businessman against a car door (the theme of that issue was legs, both Oracle’s and Black Canary’s, and the figurative power they carried in them)…I don’t regret either of those, they work well, and while they skirt the line of sexy and trashy, I don’t think they really cross it except in a humorous way.

But the third, I do regret…I asked for Ed to ‘go wild’ on a Penguin sex dream with the Birds, and the idea was really funny as scripted, but drawn, it was hard to distinguish as satire, it just looked like pandering. And that was actually toned down! The first version was naughty enough that we couldn’t publish it.

But in all three cases, they were my idea, so I take the blame.

What bugs me sometimes is when that stuff shows up at inappropriate times, and Ed really is not the worst offender at ALL. I think it’s okay during a fight or an action scene to ramp up the sex a little bit, I do it with all my characters in one way or another. But during a serious dramatic moment, it’s distracting. Ed takes those scenes seriously, and I love him for that.

But with artists who draw extremely sexual characters, sometimes you get a butt shot at the wrong time, and it’s not just men, some of the worst offenders I’ve worked with were female artists.

(Source: )

U.K. Shows!

aptbs:

We’ve been hearing from a lot of people who are finding out about shows the day after we play, which is a drag. Any help passing along these dates, via sharing on Facebook, Twitter & tumblr, is always greatly appreciated!

05/08/12 London, UK - Cargo SOLD OUT
05/09/12 Birmingham, UK - Hare & Hounds BUY TICKETS
05/10/12 Manchester, UK - Sound Control BUY TICKETS
05/11/12 Glasgow, UK - King Tuts BUY TICKETS
05/12/12 Newcastle, UK - Cluny BUY TICKETS
05/13/12 Leeds, UK - Cockpit BUY TICKETS

aneapolitandream:

“Your time is limited, so don’t waste it living someone else’s life. Don’t be trapped by dogma — which is living with the results of other people’s thinking. Don’t let the noise of others’ opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition. They somehow already know what you truly want to become. Everything else is secondary.”- Steve Jobs

aneapolitandream:

“Your time is limited, so don’t waste it living someone else’s life. Don’t be trapped by dogma — which is living with the results of other people’s thinking. Don’t let the noise of others’ opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition. They somehow already know what you truly want to become. Everything else is secondary.”
- Steve Jobs

(Source: projectmadhouse)

agoodcartoon:

Al-Qaida is about as threatening as a mythical creature and killing Osama bin Laden was an ultimately pointless endeavor. A double good cartoon.

agoodcartoon:

Al-Qaida is about as threatening as a mythical creature and killing Osama bin Laden was an ultimately pointless endeavor. A double good cartoon.