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The world of financial institutions is extremely competitive at marketing credit cards and you will discover that the terms and conditions can be quite different from one company to another. Be smart and take a close look at the small print.


Of course, we are all looking for the most amount of credit for the least cost in the long run. A credit card with a low annual percentage rate (or APR as it is also known) is always favorable. This is the amount of interest applied to your account for the privilege of renting the credit card company’s money over a certain period of time.


Making at least the minimum payment every month on the required date means you will not see an increase in APR which is sometimes what happens if your payment is late. A delayed or missing payment could well boost your APR to between 18 and 22% where it will remain for a considerable amount of time.


Working on the theory that you are a good credit risk and you settle your monthly payments in a timely manner, you should look for a card which offers you that extra little something such as reward points which you can exchange for goods, meals in restaurants, tickets for movies and weekend breaks in hotels.


With a card like this you earn redeemable points as you make your day to day purchases which result in the overall deal being even better still. If you use your credit card regularly and pay in full each month, it will not take long before you have two free tickets to jet off almost anywhere in the world for a holiday.


By far the fastest way to receive a credit card is to apply on line. It only takes a matter of minutes to complete the application form and approval is almost immediate as long as your credit checks out favorably.


Although you may have to wait between seven and ten working days to receive you new credit card through the post, many companies will give you a small opening credit limit enabling you to shop straight away on line.


There are opportunities to find a better deal on line which allow you to transfer your existing balance from a high interest card to one with an introductory offer of 0% for six months or to benefit from some other form of saving. Shopping around in this way is sure to make the switch worthwhile.

Nick Makaryk is an Internet Publisher, Copywriter, and Founder of Best Credit Cards A Free consumer credit card comparison site helps consumers find the Best Credit Card while avoiding high interest rates, charges, and fees.

]]> http://www.askiki.com/ask/how-to-select-the-best-consumer-credit-card/feed/ 0 Money Inventories in Search Equilibrium.: An article from: Journal of Money, Credit & Banking http://www.askiki.com/ask/money-inventories-in-search-equilibrium-an-article-from-journal-of-money-credit-banking/ http://www.askiki.com/ask/money-inventories-in-search-equilibrium-an-article-from-journal-of-money-credit-banking/#comments Mon, 11 Jan 2010 16:57:50 +0000 Ask It! http://www.askiki.com/ask/money-inventories-in-search-equilibrium-an-article-from-journal-of-money-credit-banking/
Product Description
This digital document is an article from Journal of Money, Credit & Banking, published by Ohio State University Press on May 1, 2000. The length of the article is 4824 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

From the author: The paper relaxes the one unit storage capacity imposed in the basic search-theoretic model of fiat money with indivisible real commodities and indivisible money. Agents can accumulate as much money as they want. It characterizes the stationary distributions of money and shows that for reasonable parameter values (for example, production cost, discounting, and degree of specialization) a monetary equilibrium exists. There are multiple stationary distributions of a given amount of money, which differ in their levels of economic activity and welfare. The model reveals two essential features of money. First, the marginal expected utility of money decreases. Second, there exists an endogenous upper bound on the money holdings: agents willingly produce and sell for money up to this bound and refuse to do so if their money holdings exceed this bound.

Citation Details
Title: Money Inventories in Search Equilibrium.
Author: Aleksander Berentsen
Publication: Journal of Money, Credit & Banking (Refereed)
Date: May 1, 2000
Publisher: Ohio State University Press
Volume: 32 Issue: 2 Page: 168

Distributed by Thomson Gale
Money Inventories in Search Equilibrium.: An article from: Journal of Money, Credit & Banking

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