Get Interest Free Cash With 0% Balance Transfers

If you have a great credit rating and no debt, then you could be in line to make some money. And you can do it using the tools that credit card tarts have been using for years.

The Credit Card Tart System

Credit card tarts have used the incentives offered by lenders to their advantage for quite a long time. These incentives often consist of 0% interest on balance transfers for a fixed period of up to 12 months. Borrowers who have a debt apply for a new 0% credit card and transfer that debt to the new card. They make repayments as they normally would, but the balance owed is reduced since no interest is being charged.

When the incentive period is due to end, credit card tarts look around for a new 0% deal. They apply for the new card at least six weeks before the expiry of the old 0% deal, so they have plenty of time to transfer the outstanding balance onto their new 0% card.

This serial card switching allows borrowers to clear debt without paying any interest. Lenders have begun to fight back as they are losing hundreds of thousands of pounds' worth of interest. Many of them now charge a balance transfer fee of about 2%. However, there are still some fee free balance transfers available, which is good news fro debt-free consumers looking to use the system to make some money.

How To Earn Money On A 0% Card

To make money from a 0% balance transfer card, it is necessary to have a good credit rating and to get two new credit cards. One credit card has a 0% balance transfer rate. This must be a card that does not charge a balance transfer fee. The second allows credit card cheques at no additional charge.

The borrower can use the balance transfer card to transfer a sum of money onto the card that allows credit card cheques. The borrower can then write a cheque for that amount and pay it into a high interest savings account. This strategy only works if the interest earned is more than the amount being paid. Borrowers can use the same technique to get a low interest loan. Long term balance transfer rates are lower than standard interest rates on loans.

But Is It Legal?

There is nothing to prevent borrowers from using their cards in this way. As long as they make repayments on time and in full, there are unlikely to be complaints. It is also essential to keep credit card applications to a minimum so there are no red flags on the borrower's credit report. There's no reason why borrowers who stick to these rules and make payments on time shouldn't make a bit of money from their credit cards. And while they're shopping around for the perfect credit cards, it's worth checking out the other incentives as well.

Joe Kenny writes for the personal finance sites http://www.cardguide.co.uk and also http://www.ukpersonalloanstore.co.uk.

Supplements And Their Affects On Dogs

Dogs can exist on a diet of meat, fruit, and vegetables. The benefits of supplements are overwhelming and can add several healthy years to your dogs life. Lifestyle and the foods and nutrients our pets receive make up 70 percent of their longevity, and 80-90 percent of the diseases in dogs are due to the degenerative processes that come with aging.

Major health changes occur in a short amount of time in dogs, as they age seven times faster than people (on the average). Aging is a process in which the bodys systems deteriorate faster than the body can repair them, and dogs have different nutritional needs at different life stages.

Supplements can pick up where dog foods leave off with the added benefit that some medical conditions, like arthritis, and hip dysphasia can be treated with supplements. Vitamins such as A, B1, and Folic Acid; and minerals like potassium probiotics can help dogs live longer, healthier lives. The ideal supplements for your dog are those targeted to your dogs particular health needs, as determined by your vet.

Supplements are available in many forms, including liquid, pill, and powder forms. Features to consider in dog supplements are; the ingredients, efficacy , form-powder, pill or liquid, easy to give, veterinarian approved, and most important, appropriate for the age, weight, breed, and health of your pet.

Always remember to consult your veterinarian before choosing or giving supplements to your pet. Make sure the supplements you choose are for dogs, not cats or people, there are differences, and a follow-up exam by your veterinarian would give you a better indication of how well your dogs metabolism is benefiting from the supplements. Once the ideal supplement is found, regular use is the key to success for good health.

Supplements can be the key to good health for your pet. But remember to always use them in moderation and do not mix supplements, this could be potentially dangerous to your pet.

Randy Jones and his partner Brent Jones have been in the pet industry for a long time. Recently they formed http://www.joncopets.com. On the site, customers can read articles about anything pets as well as shop for the latest pet supplies, dog collars and more.