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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. Jancha Loans

A secured loan is a loan in which the borrower pledges some asset (e.g. a car or property) as collateral for the loan. A mortgage loan is a very common type of debt instrument, used by many individuals to purchase housing. In this arrangement, the money is used to purchase the property. The financial institution, however, is given security - a lien on the title to the house - until the mortgage is paid off in full. If the borrower defaults on the loan, the bank would have the legal right to repossess the house and sell it, to recover sums owing to it.

In some instances, a loan taken out to purchase a new or used car may be secured by the car, in much the same way as a mortgage is secured by housing. The duration of the loan period is considerably shorter - often corresponding to the useful life of the car. There are two types of auto loans, direct and indirect. A direct auto loan is where a bank gives the loan directly to a consumer. An indirect auto loan is where a car dealership acts as an intermediary between the bank or financial institution and the consumer. A type of loan especially used in limited partnership agreements is the recourse note. A stock hedge loan is a special type of securities lending whereby the stock of a borrower is hedged by the lender against loss, using options or other hedging strategies to reduce lender risk. A pre-settlement loan is a non-recourse debt, this is when a monetary loan is given based on the merit and awardable amount in a lawsuit case. Only certain types of lawsuit cases are eligible for a pre-settlement loan. This is considered a secured non-recourse debt due to the fact if the case reaches a verdict in favor of the defendant the loan is forgiven. Unsecured Unsecured loans are monetary loans that are not secured against the borrower's assets. These may be available from financial institutions under many different guises or marketing packages:

* credit card debt
* personal loans
* bank overdrafts
* credit facilities or lines of credit
* corporate bonds

The interest rates applicable to these different forms may vary depending on the lender and the borrower. These may or may not be regulated by law. In the United Kingdom, when applied to individuals, these may come under the Consumer Credit Act 1974.

http://www.janchaloans.com/

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3. Vintage T-Shirts, Vintage Tshirts, Tees at PalmerCash.com

Welcome to PalmerCash, your source for Vintage T-Shirts and Vintage Iron-ons. You might think that once summer is past, PalmerCash and his collection of random, funny, vintage, artsy tees and t-shirts head for hibernation. Well, it just ain't so. PalmerCash has actually been working. Yes, it's true. And because of this we are adding dozens and dozens of funktified new vintage t-shirts, hoodies, and other random fun throughout the Winter. And come Spring we'll have many many more vintage, graphic, funny, random tees and t-shirts for your enjoyment.

Well PalmerCash is a man with a Degree in Nothing and a Minor in Spanish, yet he thinks he knows everything and can't speak a word of Spanish (Unless he's asking for a beer or a bathroom). He's been a businessman all his life. From making fake ID's at 15, to committing bank fraud by 17.

In College he gave up his illegal ways, as prison was quite the deterrent. And he moved on to stocks, day trading, and options. Business school was boring and he soon learned his professors really didn't know much, as his head grew in proportion to his portfolio. Eventually he changed his major to General Studies and spent a year at the University in Costa Rica where he studied everything from booze to women, but not a bit of Spanish.

Post college PalmerCash spent time traveling, skiing, and spending his savings and winnings from the market. But when the bank account approached $0.00, Mr. Cash took a job, and after a week he realized this was not a good thing. For the next few years he refers to as the 'Dark Ages' he worked for pennies, skied less than he should, and led a somewhat average life. But with a little luck, a second mortgage, and a lot of credit card debt, PalmerCash the website was born. And once again our hero is happy and drunk.

http://www.palmercash.com

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