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Credit Cards introduce financial flexibility into modern consumers' lives. For those who always pay off their balances, credit cards eliminate the need to carry cash or obtain check-cashing approval. For those who carry a balance, credit cards allow acquisition of goods and services that cannot be paid for in full when purchased. The twenty-first century extent of credit card use may be new, but its function is not. Before 1900, American families obtained "book credit" from merchants who allowed the same financial flexibility now provided by credit cards. But urbanization and the chain store movement rendered the old system of book credit infeasible. The first step on the road to credit cards was development of store-specific metal charge cards in 1928. These cards continued the system of extending credit to favored customers. Clerks no longer needed to assess customers' creditworthiness; any one with a charge card received store credit. Oil companies moved into credit cards as a way of building a customer base. As automobiles increased in popularity in the 1920s and gasoline stations proliferated, oil companies gave loyal customers paper "courtesy" cards that could be used at any of their stations. Balances were paid in full monthly. In 1939, Standard Oil of Indiana made a startling move when it mailed 250,000 unsolicited cards. By 1940, over 1 million cards circulated. In the 1950s, gas companies moved to embossed aluminum charge cards in the size still common in the early 2000s. Early charge cards did not possess the key feature of modern credit cards: revolving credit, which allows card-holders to pay balances over time while simultaneously charging new amounts. Wanamaker's Department Store in Philadelphia moved toward a revolving charge account in the late 1930s when it gave customers four months to pay off a balance. This was not truly revolving credit, however; new charges were prohibited until the previous balance was paid. William Gorman introduced true revolving credit to department store cards in the 1940s, first at the L. Bamberger & Co. department store in Newark, New Jersey, and in 1947 at Gimbel Bros. of New York. In all these cases, the card issuer's goal was to boost sales of the issuing company. Indeed, due to bad debts and fraud, the credit operations often generated a loss.

http://www.creditcardmom.com/

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2. Dixons - first for new technology.

Dixons Group is the leading European specialist retailer of consumer electronics with operations in fourteen countries. Through all our brands we aim to provide unrivalled value to our customers by the range and quality of our products, our competitive prices and our high standards of service.

Dixons Group has more than 1,400 stores across the UK, Ireland, the Nordic countries, France, Spain, Italy, Hungary, Czech Republic and Greece.

It trades as Dixons, Currys, PC World and The Link in the UK and Ireland, Elkjop in the Nordic countries, PC City in Spain, France, Italy and Sweden, UniEuro in Italy, Electro World in Hungary, the Czech Republic and Poland and Kotsovolos in Greece.

The Group specialises in the sale of high technology consumer electronics, personal computers, domestic appliances, photographic equipment, communication products and related financial and after sales services.

http://www.dixons.co.uk

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3. E Footwear

E FOOTWEAR IS A FAMILY-OWNED AND OPERATED BUSINESS WITH OVER 20 YEARS SALES EXPERIENCE IN THE ATHLETIC FOOTWEAR INDUSTRY. OUR RETAIL STORES AND INTERNET WAREHOUSE ARE LOCATED OUTSIDE PHILADELPHIA, PA. SALES ON-LINE STARTED IN 1997 AND HAVE GROWN STEADILY WITH SUPPORT FROM OUR LOYAL CUSTOMER FOLLOWING.

OUR CUSTOMER SERVICE REPRESENTATIVES ARE KNOWLEDGEABLE AND CAN ANSWER ANY QUESTIONS THAT YOU MIGHT HAVE ABOUT STYLE, FIT OR AVAILABILITY. OUR FAMILY'S COMMITTMENT IS TO SAVE YOU TIME AND MONEY.

http://www.efootwear.com

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GIFT CERTIFICATES, Mens Wide,Mens Running, Mens Basketball,Mens Walking, Mens Cross Training,Mens Classic, Mens Boots,Under Armour, Womens Wide,Womens Running, Womens Walking,Womens, Cross Training,Womens Classic, Socks,Sandals

4. The Insurance Cos

Insurance is vital to a free enterprise economy. It protects society from the consequences of financial loss from death, accidents, sicknesses, damage to property, and injury caused to others. The person seeking to transfer risk, the insured (policyholder), pays a relatively small amount, the premium, to an insurance company, the insurer, which issues an insurance policy in which the insurer agrees to reimburse the insured for any losses covered by the policy. Insurance is the process of spreading the risk of economic loss among as many as possible subject to the same kind of risk and is based on the laws of probability (chance of a given outcome happening) and large numbers (enables the laws of probability to work).There are many perils (causes of loss) that society faces, some natural (e.g., earthquakes, hurricanes, tornados, flood, drought), some human (e.g., arson, theft, fraud, vandalism, contamination, pollution, terrorism), and some economic(e.g.,expropriation, inflation, obsolescence, depressions/recessions). Insurers are able to provide coverage for virtually any predictable loss.

Early History
Concepts of insurance evolved thousands of years ago. The Chinese, for example, divided their cargoes among many boats to reduce the severity of loss from the perils of the seas, while the biblical story of Joseph and the famine in Egypt illustrates the storing of grain during the seven good years to relieve shortages during the seven years of famine. Marine insurance emerged in London when ships sailed for the New World. Fire insurance arose from the great fire of London in 1666, in which 14,000 buildings were destroyed. In 1752 Benjamin Franklin founded the first mutual fire insurance company in the United States, the Philadelphia Contributorship for the Insurance of Houses from Loss by Fire. In 1759, he helped establish the first life insurance company, now known as the Presbyterian Ministers Fund. In 1887 the first auto-liability policy was written. Advancing technologies and a dynamic marketplace constantly change society's insurance needs. The insurance industry's goal is to respond to those needs with available and affordable insurance.

http://www.theinsurancecos.com/

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5. Welcome to Amy Peters' Studio Website

Amy Peters became a jewelry designer at the the age of 8. An after-school program in jewelry enameling sparked a lifetime love of jewelry making. After that program she went on to bead-working, pearl knotting, casting and fabricating jewelry. She worked at an after-school job knotting pearls during high school and worked in a bead shop through college. Peters' attended Cal Poly in San Luis Obispo, but Jewelry design wasn't offered as a major. So after taking every class offered at the school, she packed her bags and she transferred to San Francisco State. She was able to create her own major and received her BA in Metal Arts and Jewelry Design from San Francisco State in 1989. After college she continued to perfect her craft but treated it more as a hobby than a career. Over the years she worked working various jobs to earn a living. Everything from Retail sales and a Kidney Transplant coordinator at Stanford Hospital's blood center. She credits her many business skills to everything she learned at these jobs. "Every learning experience is worthwhile," Peters often says.

She finally decided she wanted a change of scenery and moved back to California's central coast. She took a job at a local gallery, Hands Gallery where she finally got the courage to take the leap to professional artist. A prominent artist urged her "if you haven't used your art to make a living within 5 years of graduating art school, you probably never will" It had been 4 1/2 years, so she lept. After renting a 9-foot by 15-foot victorian carriage shed with a dirt floor and no running water, she filled out her business papers and Amy Peters' Studio was born in 1995.

It is important for Peters' that her jewelry be affordable and accessible to everyone. "I want the designs to be inspirational and to be keepsakes and talismans for everyday life" states Peters. "I especially love the time in a girl's life when she is just finding her voice, My hope is that my designs can help them along their voyage"

She credits her love of inscribed jewelry to a good luck token machine at the local Woolworth's store during her childhood. It was called the Harvard Metal Stamper and for 25 cents you could put your own special message on a good luck coin that you could put on a keyring or wear on a necklace chain. Peters' chain of choice was always ball chain. After searching antique stores all over the United States for over 2 decades Peters' finally has one of the rare arcade machines in her home game room. Thanks to Ebay!

Peters' spends her time split between her home studio and her production studio. So she can be closer to her two children. Living at the coast is often a source of great design ideas. The relaxed atmosphere keeps the designs fun and whimsical.

Currently over 700 stores, galleries and catalogs carry Amy Peters' Studio's jewelry. Her work has been seen in magazines including People, Us Magazine, Cosmo Girl, Working Woman, The Crafts Report, Giftware News, Accessories and Gifts and Decorative Accessories. On television her work has been seen on Survivor, The OC, Road Rules and Sabrina. Her jewelry is in the collections of many of today's hottest celebrities.

Amy now writes a business advice column, Ask Amy, for Crafts Business Magazine. And in March of 2005 Peters' was honored to have been chosen by The Crafts Report magazine in their 30th anniversary issue as one of the "10 Crafts Professionals to Watch"

http://www.amypetersstudio.com

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Identity Bracelets, Chunky Chokers,Small Charms, Dainty Discs,Matte Chokers, Modern Talismans,Trinkets and Tokens, Unique Designs,Message Beads on Chain, Double Sided,Talisman Tags, Gem Charms,Matte Necklaces, Rings,Family Tags, Build Your Own,Message Beads, Gemstone Earrings,On Sale Now, Gold Collection,Ordering Info, Care and Cleaning,Banners and Logos, Personal Shopper,Host an Online Party, Copyright Information,Gift Reminder, Philanthropic Philosophy,Visit our Retail Store, Amys Blogs,Amy Peters, Small Charm Anklets,Trinkets and Tokens, Gem Charms,Build Your Own

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