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When deciding on a credit card the word travel credit card may come up. Travel credit cards a huge benefit only if of course you travel. So your initial thought might be wow I can get a free airplane ticket and will plan a vacation next year. Do some research first. If you only travel once a year a travel credit card may not be a big enough benefit for you. Sometimes travel cards bear higher interest or have hidden costs and fees.

A long time ago the APR of credit cards was a standard rate set across all credit card providers. The APR rate was set by the federal reserve which dictated the local bank rates. Typically eighteen percent was the most common APR. Obviously these APR rates indicated a time where there was no such thing as free credit cards. The reasoning was obvious, the rates were practically mandated.

You dont have to be a math major to figure out the benefits of cash back refunds on credit card usage. Lets use a typical family of four for this example. Lets say you spend 500 bucks at the supermarket, 125 bucks at the local pharmacy, and 250 bucks getting gas for your vehicles. So in this example you can make about 50 bucks back depending on the bonus incentive percentage your credit card offers to you. That is not to shabby and gives you a good reason to use your card instead of spending cash or writing checks.

Most of the time you want to select a credit card designed for the college student with the lowest APR, even though this doesnt appear to be a deal, as opposite to those type of cards with a little higher annual percentage rate. There are several other mixed in facts going on here. If the intro APR is only for a few months then gets hiked back up very high after. In this scenario maybe you want to get the card with a slightly higher apr as long as it stays locked in at the rate.

Most students who attend college and forget to take out enough loan money to pay for every day life things end up getting a student credit card to cover these expenses. Some even pay their off campus housing rent with it. They start making cash advances (which have much higher interest rates) and within months they have dug themselves into a debt hole they cant get out of. If youre a worried parent make sure you sit down with your child and pick the right credit card plan for them. Monitor their spending habits on-line through the website. Even put a monthly cap on their spending. Make sure you teach them to be responsible with their new student credit card.

The good thing about college credit card programs is that they protect the student against fraud and even have built in theft prevention features. The college dorm environment is typically very easily accessible when it comes to safekeeping the students possessions. Most of the time the most valuable possession a student will have is their college credit card. So when finding a college credit card make sure you find one that protects you against fraudulent charges and more importantly theft. If you have a card now that doesnt offer this protection I suggest dumping it and finding on that does. This feature is a must not a option.

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Mortgage Checking Software – Start Checking your Mortgage with Home Loan Interest Manager Pro 2.1.060801
As Mortgage Checking Software becomes the way for homeowners to start checking their own mortgages, Home Money Manager is pleased to announce the release and immediate availability of Home Loan Interest Manager Pro version 2.1.060801. This mortgage checking software will simplify the task of checking your mortgage for errors, and soon show you how much you have been overcharged. This latest mortgage checking software release increases the power of the mortgage balance checking report, making it easier to see the total impact of mortgage errors on your balances.

www.HomeMoneyManager.com – August 2, 2006 – One of the main functions of Mortgage Checking Software is to allow you to start checking the interest charges on you mortgage statements, to make sure you have not been overcharged. Home Money Manager, provider of Home Loan Interest Manager Pro mortgage checking software, has released version 2.1.060801 for Windows, Linux and Mac OS X.

This mortgage checking software allows you to track your mortgage repayments, check your mortgage statements for lender errors, calculate the refunds you are due and protect the thousands you pay each year in interest from bank mistakes. This mortgage checking software has been designed to take the pain out of checking your mortgage statements, making it easy for anyone to find out how much they have been overcharged.

With version 2.1.060801 of this mortgage checking software, the balance checking report has been updated to show individual transaction errors, as well as the running total of all errors on the mortgage balances. The total impact of errors on your balances is just a click away from the summary screen in this mortgage checking software.

Home Loan Interest Manager Pro mortgage checking software can manage, audit and track loan repayments for any type of loan where the lender provides regular statements containing the loan transactions. Start using this mortgage checking software to track, manage and audit mortgage loans, home loans, student loans, personal loans, lines of credit, auto loans and boat loans.

Checking your mortgage has become a necessity in today’s lending environment, where computers do most of the bank’s calculations with little or no human intervention. Home Money Manager recognises the need for individuals to be able check their mortgage statements and audit their own loans in a quick and easy way, without it costing them a small fortune in fees. Home Loan Interest Manager Pro, mortgage checking software, was created for this purpose.

Home Loan Interest Manager Pro build 2.1.060801 may be purchased securely online at http://www.homemoneymanager.com . This release is a free upgrade to existing customers.

Home Loan Interest Manager Pro version 2.1.060801 is compatible with Windows 98, ME, 2000, NT, XP, Linux, Unix, Mac OS X and all operating systems running Java 1.4 or greater. To find out more about this mortgage checking software, or to download a fully functional one-month free trial, visit http://www.homemoneymanager.com/home-loan-interest-manager.html


About Home Money Manager:

Home Money Manager specializes in the production of mortgage audit and home loan manager software. Download mortgage checker software and find out if your mortgage is one of the thousands being overcharged interest EVERY DAY.

Contact:

Public Relations
Home Money Manager
http://www.HomeMoneyManager.com

Press Release URL:

http://www.homemoneymanager.com/press/mortgage-checking-software-21060801pro.html


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Mortgage Audit Software – Audit your Mortgage with Home Loan Interest Manager Pro 2.1.060809
With Mortgage Audit Software making it easy for homeowners to audit their own mortgage, Home Money Manager is pleased to announce the release and immediate availability of Home Loan Interest Manager Pro version 2.1.060809, mortgage audit software to help you audit, analyse and plan your mortgage and home loans. This latest mortgage audit software build focuses on the handling of balances; with improved transaction editing, updated import wizard functionality, a new balance checker report layout and smart navigation between the transaction view screen and the reports. Auditing your mortgage has become even quicker with this mortgage audit software.

www.HomeMoneyManager.com – August 10, 2006 – With more homeowners choosing to audit their own mortgage for bank errors, having the correct mortgage audit software is essential. Home Money Manager, provider the Home Loan Interest Manager Pro mortgage audit software, has released version 2.1.060809 for Windows, Linux and Mac OS X. This loan and mortgage audit software allows you to audit you mortgage statements to check for lender mistakes, calculate the refunds you are due and protect the thousands you pay each year in interest from lender mistakes. The software has been designed with the homeowner in mind, making it easy and quick to audit your own mortgage.

With version 2.1.060809 of this mortgage audit software, Home Money Manager has focused on the handling of balances; with improved transaction editing, updated import wizard functionality, a new balance checker report layout and smart navigation between the transaction view screen and the reports.

Home Loan Interest Manager Pro can audit interest charges for any type of loan where the lender provides regular statements containing the loan transactions. It can be used to audit mortgage loans, home loans, student loans, personal loans, auto loans and boat loans.

Auditing your loans has become a necessity in today’s lending environment, where computers do most of the bank’s calculations with little or no human intervention. Home Money Manager recognises the need for individuals to be able to audit their own loans in a quick and easy way, without it costing them a small fortune in auditing fees. Home Loan Interest Manager Pro was created for this purpose.

Home Loan Interest Manager Pro build 2.1.060809 costs US$129 and may be purchased securely online at http://www.homemoneymanager.com . This release is a free upgrade to existing customers.

Home Loan Interest Manager Pro version 2.1.060809 is compatible with Windows 98, ME, 2000, NT, XP, Linux, Unix, Mac OS X and all operating systems running Java 1.4 or greater. To find out more or to download a fully functional one-month free trial, visit http://www.homemoneymanager.com/home-loan-interest-manager.html


About Home Money Manager:

Home Money Manager specializes in the production of mortgage audit and home loan manager software. Download mortgage checker software and find out if your mortgage is one of the thousands being overcharged interest EVERY DAY.

Contact:

Public Relations
Home Money Manager
http://www.HomeMoneyManager.com

Press Release URL:

http://www.homemoneymanager.com/press/mortgage-audit-software-21060809pro.html


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Offset Account Checker Software – Check your Offset Account with Home Loan Interest Manager Pro 1.1.060110
With the growing demand for Offset Account Checker Software, Home Money Manager is pleased to announce the release and immediate availability of Home Loan Interest Manager Pro version 1.1.060110. This mortgage offset account checker software will help you check that you are receiving the full benefit from your offset account, as well as audit your mortgage for bank errors. The latest release of this mortgage audit and offset account checker software adds print preview and printing functionality allowing you to produce hard copies of your audit to keep with your mortgage statements.

www.HomeMoneyManager.com – January 7, 2006 – Offset Accounts are a great way to save thousands over the life of a mortgage, however how do you really know if your bank is providing you with the full offset benefit you are entitled to? With Offset Account Checker Software proving to be the most effective way to check offset account interest, Home Money Manager, provider of Home Loan Interest Manager Pro, is pleased to announce the release of version 1.1.060110 for Windows, Linux and Mac OS X.

This mortgage audit and offset account checker software allows you to check the interest payments on your mortgage and home loan, find out if you are receiving the full benefit from your offset account, and see how much your offset account is really saving you. This offset account checker allows you to set up an offset account for each of your primary loans, allocate separate interest rates to each offset account and nominate the percentage of the balance that is to be used for offsetting interest calculations.

With version 1.1.060110 of this mortgage audit and offset account checker, Home Money Manager have introduced print preview and printing functionality to the reports and screens, allowing you to print out your audit results and store them with your mortgage paperwork.

Auditing offset accounts has become a necessity in today’s lending environment, where computers do most of the calculations with little or no human intervention. Home Money Manager recognises the need for individuals to be able to audit and check their own offset accounts, without it costing them a small fortune in fees. Home Loan Interest Manager Pro, offset account checker software, was created for this purpose.

Home Loan Interest Manager Pro build 1.1.060110 costs US$129 and may be purchased securely online at http://www.homemoneymanager.com . This release is a free upgrade to existing customers.

Home Loan Interest Manager Pro version 1.1.060110 is compatible with Windows 98, ME, 2000, NT, XP, Linux, Unix, Mac OS X and all operating systems running Java 1.4 or greater. To find out more about this offset account checker software, or to download a fully functional one-month free trial, visit http://www.homemoneymanager.com/home-loan-interest-manager.html


About Home Money Manager:

Home Money Manager specializes in the production of mortgage audit and home loan manager software. Download mortgage checker software and find out if your mortgage is one of the thousands being overcharged interest EVERY DAY.

Contact:

Public Relations
Home Money Manager
http://www.HomeMoneyManager.com

Press Release URL:

http://www.homemoneymanager.com/press/offset-account-checker-software-11060110pro.html


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Mortgage Error Checker – Check your Mortgage for Errors with Home Loan Interest Manager 1.1.060110
As Mortgage Error Checker Software helps more and more homeowners protect their mortgages from bank errors, Home Money Manager is pleased to announce the release and immediate availability of Home Loan Interest Manager 1.1.060110. This mortgage error checker software will to help you check your mortgage for lender mistakes and bank errors. This latest mortgage error checker build helps you check that you are not being overcharged thousands on your loans and mortgages.

www.HomeMoneyManager.com – January 7, 2006 – As Mortgage Error Checker Software helps more and more homeowners protect their mortgages from bank errors, Home Money Manager, provider of Home Loan Interest Manager mortgage error checker, is pleased to announce the release of version 1.1.060110 for Windows, Linux and Mac OS X.

Use this mortgage error checker to check the interest charges and balances on your mortgage and loans.

Home Loan Interest Manager build 1.1.060110 is compatible with Windows 98, ME, 2000, NT, XP, Linux, Unix, Mac OS X and all operating system running Java 1.4 or greater.

Further details on this mortgage error checker are available from http://www.homemoneymanager.com/home-loan-interest-manager.html


About Home Money Manager:

Home Money Manager specializes in the production of mortgage audit and home loan manager software. Download mortgage checker software and find out if your mortgage is one of the thousands being overcharged interest EVERY DAY.

Contact:

Public Relations
Home Money Manager
http://www.HomeMoneyManager.com

Press Release URL:

http://www.homemoneymanager.com/press/mortgage-error-checker-software-11060110.html


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