Smart Reasons to Have A Prepaid Debit Card   by Adam Heist

A prepaid debit card is a card that is not tied in typically tied in with a bank account. Instead of linking to your account, you obtain the card and deposit money to use later on. Kind of like a bank account on the go, you can replenish the card when it gets low and start using it again right away. The safety, security, and affordability of this type of card are obvious. Let’s take a look at some other benefits related to using a prepaid debit card.

Check Cashing Locations - you can avoid these costly and high fee businesses by having your employer deposit your funds directly into your prepaid debit card account.

Keep Track of Your Funds - no need to worry about carrying around cash as your debit card holds all of your money. What’s more, a debit card cannot be used by anyone else unless they know your personal I.D. number. Therefore, do not share your P.I.N. with anyone!

Toll-Free Phone Help - help is as close as the toll free number listed on your card. No phone charges, no long distance phone call fees!

Online and Offline Access - use your card at stores or use it online when you shop on the internet.

Take your card from Job-to-Job - you control the card and you can give your account number to new employers who can send direct deposits in to your account.

Low cost fees - fees are much lower than what you would pay at any check cashing location.

Easy to Purchase - accepted anywhere that VISA and MasterCard are accepted which is almost everywhere!

No Credit Check or Bank Account Required - if you are on the go, a debit card is right for you. No need to worry about maintaining a checking account and no worries if your credit rating isn’t that good.

No Security Deposits - the funds in your account belong to you, plain and simple.

Pay your bills over the phone - pay in person, pay online, or pay over the phone with your prepaid debit card.

Set up Automatic Bill Payments - have your account automatically debited to pay cable bills, the phone company, your cell bill, whatever recurring payments that you have.

A prepaid debit card is smart, affordable, and very convenient. Apply for one today and soon you will realize the many benefits that this type of card has to offer to you.

Fighting the Credit Card Plague   by George Lunt

It has been estimated that cigarettes kill 1200 people per day. What this actually means is that 1200 people die from smoking related illnesses like lung cancer or emphysema. But smoking is not the only habit that causes disease.

In the US there are an estimated 1.5 million bankruptcies per year. Many more people are deeply in debt and are on the verge of bankruptcy. In our politically correct world, the media quickly points out how dangerous cigarettes are. But what about financial problems? Many studies have shown that our physical health closely parallels our state of well being. Our state of well being depends a lot on our financial health. Cancer, heart disease, and mental illness can thus be related to our finances.

Bad financial habits are directly the result of campaigns initiated by the Credit Card Industry. As a result people wind up deeply in dept and getting cancer, heart disease, or worse yet, committing suicide. The Credit Card Industry is pretty much like the tobacco industry, they are responsible for the deaths of millions.

Our politicians in the US like to pass laws protecting us, whether we like it or not. In particular, they feel that we’re not smart enough to figure out what’s good for us, so they order the placing of warning labels on items like cigarettes to make it clear that they’re bad for our well being.

Under the circumstances, we should write, call, or email our legislators and ask that they do the following:

• Ban all credit card advertising on radio and television. Get those Capital One Pillagers off the air!
• Ban all mail and phone offers of credit cards.
• Put warning labels on credit cards. Here’s an example of how one should read:
  • Surgeon General’s Warning: Indiscriminate Credit Causes Cancer, Heart Disease, Suicide And May Complicate Pregnancy. View Picture.
• Repeal the new bankruptcy law. The old one was better for the working man.
• Allow a maximum interest of 10% on all credit cards.
• Collection agencies should be required to send all their field personnel to sensitivity training.
• Congress should hold a hearing on the subject. They should subpoena the heads of major banks issuing credit cards like Chase, Capital One, WaMu, Citibank, and others. The lawmakers should ask these executives if they were aware how addictive credit cards were, and still proceeded to purposely addict the nation.
• Credit card companies should be prohibited from issuing credit cards to anyone under twenty one years of age.
• Law suits against credit card banks regarding individual illness, death or financial ruin, should not only be allowed, but encouraged. Class action suits should be considered a possibility.

We need to bring the middle and lower classes of the world back to economic health. One way this can be done is to limit their dependence on credit cards.