Unsecured Credit CardsTop Unsecured Credit Cards For all types of credit

If you are a regular credit card user and also happen to do a large amount of travelling worldwide, then you may be the perfect customer for a MasterCard frequent flyer credit card. The credit card that rewards you for spending money, and repays you with exciting travel based incentives.

If you’ve not yet examined the benefits of a frequent flyer credit card from MasterCard then this information could be about to change the way you use credit cards forever.

Travel Based Reward Cards

Reward credit cards aren’t particularly a new concept. For quite some years customers have been able to earn points each time they spend money using their credit cards, and these points are then exchanged for something from the card companies catalogue of rewards.

Travel based reward cards, and frequent flyer reward credit cards work in virtually the same way, but with a travel based twist. Onc

Read more…

The following is the latest post in my “Reader Profiles” series. Each post in this series details the financial situation and challenges of an FMF reader. The purpose of this series is to help us all identify with people like us (in similar situations — not all will be, of course, but eventually Im sure you will find someone like you here), get to know the frequent commenters on the site, and hear some financial wisdom/challenges from people other than me.

If youre interested in contributing to this series, then drop me an email. The series seems to be very popular with readers and I need a steady stream of new ones to keep it going.

Next in the series is FMF reader SK. She answered my questions (in red below) as follows:

Please tell us a bit about yourself.

Im a 25 year old woman.

Read more…

– As the U.S.-led Afghan campaign lurches into its second decade, the country’s vast untapped mineralogical resources are again emerging in the Western media, seemingly underpinning the benefits of International Security Assistance Force troops “staying the course” and defeating the insurgency, after which these resources can be tapped, both providing the administration of Afghan President Hamid Karzai with a source beyond drugs for reconstruction and Western companies who develop the reserves a handsome profit.

The latest discovery is that Afghanistan is rich in rare earth elements . China currently has a near monopoly on the global production of RREs, and the price for a ton of unprocessed ore has soared to a dizzying $100,000 a ton.

So, what’s wrong with this picture?

Western venture capitalists should consider the following points before whipping out their checkbooks to underwrite any mining projects.

First and most obvious, Afghanistan has been in a civil war for thirty years, with Western forces intervening only in the last decade.

Read more…

By Erik Holm

Allstate Corp. pushed for growth eight years ago by bringing on hundreds of new agents. Now the insurer is seeking to boost results by encouraging many of them go.

The company is planning a major overhaul of its compensation structure that will increase rewards for its best agents while pushing less-successful ones out the door. The Northbrook, Ill., company says it will cut base pay for all its agents—who are contractors, not employees—by 20% so more money can be paid in performance bonuses to its top tier of agents. Allstate also has ramped up an initiative to give its better agents loans to help them buy up less-successful agencies and take over their client lists.

As of June, Allstate had increased its number of agency mergers fivefold from 2009 and was on pace to increase them by a factor of 13. The

Read more…

Tell Me More About This Tool

This tool is great. It has a very easy entry box for current salary and new salary, and you can click calculate to figure out the difference. It is instant, and the page doesn’t have to reload. Both rates are inclusive of 9% superannuation. You can also calculate by the year, month, fortnight, or week. You can do this beforehand or after making the calculation. There are pull-down menus and links to select from. The calculator outputs the following results.

• Details (per annum)
• Gross Income
• Superannuation
• Taxable Income
• Tax
• Net Income

You can then see the current rate, new rate, and difference in three columns. The difference is color-coded and bold to make it easy to read. Y

Read more…

Taking out a loan in order to meet some expenses in your life that requires a considerable amount of money is quite a common phenomenon. In fact, you tend to take out many such loans to meet your financial needs. These loans are known as unsecured loans as they don’t have collateral, that is, they have no asset against which you take the loan. The rate of interest is high on such loans. This is because if you default on the loan, there is no guarantee that the creditors will get the whole loan amount back. In fact, due to these high interest rates, most people find it difficult to pay back these debts. In such cases you have to go for debt consolidation to pay back your multiple debts.

What is debt consolidation?
Debt consolidation is a process in which you are able to consolidate your multiple debts into a single one. B Read more…