Debt, Credit Card & Consolidation Current News Digest

Time to whip out your credit cards on Continental Airlines Dallas Morning News On Tuesday, Continental Airlines will become the latest air carrier to require credit cards and debit cards to pay for on-board purchases on most flights. … Continental Airlines to allow credit, debit cards to be used for onboard purchasesLos Angeles Times Continental Airlines (CAL) to Start Accepting Credit & Debit Cards for On …StreetInsider.com (subscription) all 89 news articles »

Credit Cards Recalled, Consumers Warned As Spanish Card Processor Is Probed StorefrontBacktalk Evidence of data theft at a Spain-based credit card processing company prompted the recall in November of more than 100000 cards in Germany. …

CardSmart.co.uk

Sainsbury's Finance: Reward credit cards could be a good option CardSmart.co.uk Those looking for a credit card should consider a rewards credit card, Sainsbury's Finance has suggested. Those looking for a credit card should consider a … and more »

ABC News

Apply For Instant Bad Credit Credit Cards – Get Rewards Today Subprime Blogger Many Americans are planning to apply for an instant bad credit credit cards before the holiday season. If you plan on getting rewards and you have very bad … Credit Card Services The Cashback CardsBoosh Plr (press release) These credit cards will destroy your debtslovemoney.com Financial Facts Asks: Are Cash Back Credit Cards Past Their Sell-By Date?PR Newswire (press release) Palm Beach Post -India Business Blog (blog) -Subprime Blogger all 264 news articles »

RM50 tax on credit cards not the way to go Malaysia Star What was the reason behind your decision to impose a RM50 tax on each credit card? To promote prudent spending and curb overspending within Malaysians? … and more »

There are two scents that remind me being a sick kid: brandy and Vicks VapoRub. Whenever I had a cold, those were my mom’s go-to remedies. She would make me a glass of hot water, honey, and brandy and then rub Vicks on my chest. I always felt instantly better (and slightly tipsy).

Vicks is an age-old mentholated topical cream intended to relieve head, throat, and chest stuffiness. It uses menthol to elicit a response from receptors in the nose and chest and can work wonders on children with colds or chronic bronchitis. Vicks has been around for over one hundred years and is one of the most widely used over-the-counter decongestants. Lately, there’s been a lot of buzz about unique and unconventional ways to use this odoriferous ointment. You’ll be surprised to learn that Vicks VapoRub is a supposed treatment for so much more than just a congested chest.

1. Decongest Your Chest
   The most common use of Vicks is to decongest your chest and throat area. When applied to the upper chest, it provides excellent relief of cough and congestion symptoms.
2. On Your Tootsies
   Applying Vicks to your feet provides nighttime cough relief. Generously rub VapoRub all over your feet and cover them with socks. Within moments your cough will subside—in the morning you’ll wake up a new, hacking free woman.




3. Achy Breaky Muscles
   Vicks relieves sore, overworked muscles. It increases circulation and provides almost instant aid. Use a generous portion and apply it all over the aching area. (Be sure to warn your bed-mate.)
4. Get Rid of Nasty Nail Fungus
   Rub VapoRub on your toenails if you suspect you have a fungus. Within days, the nail will turn dark—this means the Vicks is killing the fungus. As your toenail grows out, the dark part will grow off and you will have fungus-free feet. Keep applying the ointment over a period of two weeks to fully cleanse nail beds of any remaining bacteria.
5. Stop Your Cat from Scratching
   Cats are notorious for scratching every hard surface they get their claws on. To prevent Miss Kitty from ruining your doors, walls, and windows, apply a small amount of VapoRub to these areas. Cats detest the smell and will steer clear. Vicks can also be applied to your arms and legs if your kitty is prone to scratching you.
6. Pet Pee-Pee Deterrent
   If your dog or cat is not yet potty trained, put an open bottle of Vicks on the area he or she likes to mark as their territory. The smell will discourage them from lifting their legs and wetting your rug.
7. Headaches Be Gone
   Rub a small amount of Vicks VapoRub on your temples and forehead to help relieve headaches. The mentholated scent will release pressure in your head and instantly relieve pain.




8. Humidify Your Sleep
   Vicks VapoRub can be used in special types of humidifiers and vaporizers. Ensure your humidifier has an aromatherapy compartment before using. The humidifier will circulate Vicks throughout the air and keep you breathing easy all night long.




9. Paper Cuts and Splinters
   To prevent infection and speed up healing time, dab a small amount of Vicks on any small cut or splinter.
10. Ticks and Bugs
    If you get bitten by a tick, apply Vicks immediately. The strong odor might help get the critter to release itself and stop bugging you.




11. Reek-free Racehorses
    Professional racers smother VapoRub under the nostrils of racehorses on race day. The strong stench deters the stallions from the alluring odor of the female pony and keeps them focused on the race.
12. Go Away Mosquitoes
    Vicks wards off mosquitoes. Apply small dabs of Vicks VapoRub to your skin and clothes and mosquitoes will steer clear. If you do get bitten, apply Vicks to the area and cover it with a Band-Aid to relieve itching.

According to WebMD, there have been a few complications in children when Vicks is used inappropriately. A few children reacted negatively and ended up hospitalized when Vicks was applied directly under the nose. Though this is extremely rare and only happens to those who are sensitive to Vicks, consumers should use caution when applying it to the face or on young children.

Even though its strong stench may cost me a few friendships, I am definitely heading to the nearest drugstore to stock up on this little blue smelly bottle. After all, I never know the next time I’ll have a headache, or am heading to the racetrack.

If you have fifteen minutes, you can be earning more interest on your savings account. Many Bargaineering.com readers are familiar with high yield savings accounts, so for the seasoned veterans you won’t get much out of this post (maybe this one on reward checking accounts is new to you?). In recent weeks, there’s been a huge influx of new readership and I wanted to take the time to introduce a concept that has been all the rage in personal finance – high yield savings accounts.

This post is part of the Bargaineering Annual Financial Review week series where we take a closer look at the four major facets of personal finance and see if we can do better. This post is part of day one – getting the most out of banking relationships.

If you want to earn the most on your liquid savings account and get the highest interest rates, it will be difficult for you to find a brick and mortar bank able to match the rates at online banks. The overhead costs of leasing office space for a branch, paying tellers and managers, and all the other costs associated with a bank will cut into the interest rate you get for your savings. Take a look at your bank’s savings account interest rate… is it even over half a percent?

Bank of America’s regular savings account pays a meager interest rate of 0.10% APY! Get dinged with one fee and you’re in the hole just for having the account.

Check out an online bank and you can triple it.

Highest Savings Account Rates

Bank	Effective Date	Interest Rate (APY)	Minimum Deposit
Everbank	11/19/09	2.51%	$1,500
Ally Bank	11/25/09	1.59%	$0
FNBO Direct	11/19/09	1.40%	$1
HSBC Direct	11/19/09	1.35%	$1
ING Direct	11/19/09	1.30%	$1
SFGI Direct	11/19/09	1.85%	$500
Discover Bank	11/19/09	1.75%	$500
Capital One Direct Banking	11/19/09	1.50%	$10,000
Citibank	11/19/09	1.15%	$100
Virtual Bank	11/19/09	0.80%	$1
E-LOAN	11/19/09	0.76%	$5,000

* Everbank offers 2.51% promotional rate for the first 3 months, then 1.77% thereafter.

Online banks are 100% safe and FDIC insured up to $250,000, just like every other FDIC insured bank. You can confirm that with the FDIC’s Bank Find tool.

They aren’t without a little bit of hassle though, you can read my thoughts on whether online banks are worth it to find out more. I think they are worth it because you get a much higher interest rate but that’s for each person to decide on their own.

Forget savings accounts at a brick and mortar banks, they’re ripping you off.

Highest Savings Account Rates from personal finance blog Bargaineering.com.

“Everything created solves a problem.” – Mike Murdock

Your eyes see, your ears hear, your nose smells. Doctors solve medical problems, lawyers solve legal problems. Your shirt keeps you warm; your watch tells you the time. Everything created solves a problem.

I believe you were created to solve a problem and your success is dependent on your ability to discover that problem and solve it. Finding this problem is discovering your purpose, solving this problem is accomplishing your purpose.

Today I want to discuss 7 questions that will help you discover your purpose.

7 Questions to Help You Discover Your Purpose:

1. What do you love to do?
   Your purpose is directly related to what you love. The most purposeful people in the world spend their time doing what they love. Bill Gates loves computers, Oprah loves helping, and Edison loved to invent. What do you love? Is it reading, writing, playing sports, singing, painting, business, selling, talking, listening, cooking, fixing broken things. Whatever you love, it’s directly related to your purpose.
2. What do you do in your free time?
   Whatever you do in your free time is a sign of your purpose. If you like to paint in your free time, then that’s a “sign.” If you like to cook, then that’s a sign, if you like to talk, then that’s a sign. Follow the signs.

   I love to learn in my free time, I have an obsession with learning. Of course, this is a sign of my purpose …which is to teach.

   What do you do in your free time? What would you like to do if you had more free time? Would you teach dance a class or a business course?




3. What do you notice?
   A salesman notices an uninspiring sales pitch, a hairdresser notices someone’s hair is out of place, a designer notices a awkward outfit, a mechanic hears something wrong with your car, a singer notices when someone’s voice is out of pitch, a speaker notices an uninspiring speech.

   What do you notice? What annoys you?

   I notice when information is not presented in a clear, practical, and simplistic form. This is a sign of my purpose. I’m obsessed with practicality and simplicity. When I teach, I try to teach in a very practical and simple way.




4. What do you love to learn about?
   What kinds of books or magazines do you like to read? Do you read about cooking, business, or fishing, whatever it is, it’s a sign. I’m always reading about self development, particularly as it relates to successful living. Of course this is also related to my purpose, which is to teach people how to succeed.

   What do you love to learn about? If you have a library, what books do you have in that library?




5. What sparks your creativity?
   Is it painting, designing, building, speaking, or selling?

   Writing sparks my creativity. I often feel like a sculptor or painter when I write. I carefully sculpt ideas on paper, ideas that impacts people’s lives; it’s a very creative process. Each word must be crafted for maximum impact.

   What sparks your creativity, do you have ideas for new food recipes, or a new creative automotive Web site?




6. What do people compliment you on?
   What “fans” do you have? If no one likes your cooking, then you probably won’t make a good chef.

   Do people compliment your writing, or your singing, or your amazing ability to sell? Once again, this is a sign of your purpose.

   People always compliment me on my speaking ability, something I was too frightened to do for most of my life. I find it intriguing that my purpose was hidden in something that I was frightened to do.

7. What would you do if you knew you couldn’t fail?
   Would you start a salon, go on American Idol, start your own business? What would you do if success was guaranteed? It’s a sign to your purpose.

   I’d do what I’m doing right now, which is teaching. Nothing is more important to me, what about you?

In Closing
These questions are signs to your purpose. They’re pointing you in the direction of a specific purpose. One question alone doesn’t tell the whole story; you must look at all of your answers collectively. Each answer is a piece of the “purpose” puzzle.

Study these questions, and your answers, and you will be well on your way to discovering your purpose. Thank you for reading!

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