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Saturday, November 3, 2007

What To Look For In A Zero Percent Balance Transfer Credit Card

Utilizing a zero percent balance transfer credit card is a terrific way to save money. Balance transfers can actually offer assistance to cardholders in several ways. And there is most certainly no shortage of banks and credit card issuers offering their plastic to the American consumer. The leading credit card companies, including Discover Card, Citibank, Amex, Chase and Bank of America, use 0% APR offers as an enticement to lure new customers.

And it works. Boy, does it ever work. Not only do the credit card issuers gain new customers, but in many cases they earn big revenue from them. The lure of a zero percent interest balance transfer credit card is of course, the fact that no interest will be charged for a specified period known as an introductory period. These introductory periods usually last anywhere from 6 to 12 months, depending on the issuer and charge card that it is offered on.

Cards can and do differ greatly, even the charge cards issued by the same bank and/or credit card company. This is definitely not one size fits all. After the intro period expires, whatever portion of the balance that remains on your account will automatically be charged at whatever the prevailing interest rate being charged at that time happens to be. Although some 0% balance transfer credit cards will offer fixed rates that are locked in.

I can not stress this point enough, please read and understand the terms and conditions that are spelled out with the application that accompanies the zero percent balance transfer offers that interest you. Far too many people fail to do this and then are hit with costly fees and high interest rates that they were not prepared for. Ignorance is not bliss... it is needlessly expensive. Which leads right into my next point - fees.

Check the terms of the various credit card deals that you are interested in to see if any fees will be charged. Sometimes the fees alone will be so substantial that they will erode any savings that you have achieved with the 0% APR. There are two types of fees to look for... balance transfer and annual fees. Some credit card offers will have both, some will have one, while others will not have any fees. As I have said before, not all zero percent balance transfer credit cards are the same.

Morgan Hamilton is a financial adviser that specializes in the credit card industry. You can learn more about Zero Percent Balance Transfer Cards and compare Zero Percent Balance Transfer Card Offers by visiting www.Find-Cards-Now.com.

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Powerful Images in Classic Movie Posters that Launched Actors to Stardom

If you look into a student's room, you'll most likely see the walls covered with posters. You probably decorated your dorm room with posters (e.g., classic movie posters, posters of your favorite band or singer, etc.) when you were a college student.

There is a huge market for classic movie posters today. These classic movie posters, sold at DVD and record shops, are mainly used by marketing outfits as marketing tools for promoting movies and persuading the movie going public to go to the theaters and watch. However, classic movie posters also serve as memorabilia for movie lovers. After all, classic movie posters are an artwork in themselves. Many of these classic movie posters are actually considered works of art because their designs become the symbols of the films.

Movie posters can convey plenty of information regarding the cast, director, crew and such, but there are movie posters whose focus is more on conveying a powerful visual image. You will notice that older classic movie posters have more words and tag lines and often feature painted images of the lead actors. Other classic movie posters use still photographs that were taken directly from the film.

Many of the images in the classic movie posters are literal. For instance, Gone With The Wind's classic movie poster had Vivian Leigh in Clarke Gable's arms. The King Kong classic movie poster has the heroine being carried by King Kong. The Casablanca classic movie poster has its lead stars, Humphrey Bogart and Ingrid Bergman, looking at us, their cheeks against each other.

The more memorable poster images or photographs eventually become the lead stars' iconic images, and they stay in the moviegoer's minds. In fact, these poster images are often what launches actors to stardom. For instance, the image of Audrey Hepburn in the classic movie poster for Breakfast At Tiffany's is one that has endured through the years. Mention her name and the public thinks of her in an evening gown, adorned with jewels. The classic movie posters for The Great Escape captured Steve McQueen doing different motorbike stunts. And James Dean...perhaps his most memorable image is the one that appeared in the Giant's classic movie poster: Dean posed crucified with his rifle. And who wouldn't have seen the famous photo of Marilyn Monroe standing over an air vent, trying to hold her dress down? This image of Monroe was used to promote the Bus Stop film. You can find great information on movies and movie reviews at http://www.magiclanternpr.com

The horror genre has its share of memorable images too. The images in the older classic movie posters in this genre mostly conveyed a subtle, quiet menace. For instance, it would be hard not to feel a chill when looking at Norman Bats' shadowy house iin the classic movie poster for Psycho. Similarly, Jack Nicholson with his head smashed through the door in the movie poster for The Shining is scary. The classic movie poster for The Candyman has a wasp sitting on the edge of an eye.

The Jaws movie poster is one of the classic movie posters that is most reproduced. This classic movie poster has a simple but very powerful image: a shark's mouth wide open, directly facing us. Another powerful poster image is that of Taxi Driver's Robert De Niro with his hand at his temple, pointed like a gun. And when it comes to the romance genre, the Titanic movie poster is a true classic. It captures the image of Leonardo di Caprio and Kate Winslet above the Titanic, two people forever in love.

Article by Dean Forster at http://www.magiclanternpr.com . For more great information on movies and movie reviews visit Family Movie Review

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