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Home > > Pulaski Bank Gold Visa

Pulaski Bank Gold Visa

Low rate
No annual fee
0% balance transfers
No fee balance transfers

Don't be left out in the cold

with your current credit card

Annual Percentage Rate for Purchases and Cash Advances:
7.99%
Annual Percentage Rate for Balance Transfers:
0% APR for 6 billing periods from the posting date of the balance transfer check *
Grace Period for Repayment of Balances for Purchases:
You have 25 days to repay your balance for purchases before a finance charge on purchases will be imposed. If the new balance is not paid in full within 25 days, a finance charge will apply to both the balance remaining (including current billing cycle transactions) and to all transactions during succeeding billing cycles until the new balance is paid in full.
Method of Computing the Balance for Purchases:
Average daily balance method (including current transactions). The finance charge for a billing cycle is computed by applying the "Monthly Periodic Rate" to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. To get the "Monthly Periodic Rate" applicable to the current billing cycle, the APR in effect is divided by 12. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases made on your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges.

Annual Fees:
NONE
Minimum Finance Charge:
$1.00
Transaction Fee for Purchases:
NONE
Transaction Fee for Balance Transfers:
NONE

Transaction Fee for Cash Advances
Advances and Other Fees: Cash Advance Fee: None
Late Payment Fee: $15 for balance less than $100, $29 for balance of $100 to $1,000, $35 for balance greater than $1,000
Over-the-Credit-Limit Fee: $29.00
Insufficient Check Fee: $29.00
2

DID YOU KNOW?

If the festivity of lights, seeing Santa, and trying to figure out what you should get for all your loved ones stresses you out, you are not alone. As much as the holidays are supposed to bring about cheer and merry good times, it can be stressful for those that already have credit card debt, and too many things are there to do list before even being able to think about holiday expenses. No need to fear, this year you can make it one to remember without stressing out.

Setting some ground rules is the best place to start. You might have had them growing up, or now set them for your children, but they can work for yourself as well, especially when it comes to spending money.

First start by making a list of all the people you need to buy gifts for and set a price for each person, maybe it’s the same, maybe it fluctuates, however make it and don’t break it. Once you’ve given everyone a price, add up the total and see if you can afford it and if it’s reasonable. If you are over your expected spending budget, make any necessary adjustments. If you don’t have a considerable amount of money this year to spend there are gifts you can give which don’t cost a lot at all. Some quick ideas are to bake something, gift baskets full of the person’s favorite items such as coffees, pastas, candies, or make picture frames.

If you can’t spend this year but want to next year start a holiday savings fund which is basically like a direct deposit into an account, so you don’t see the money and therefore won’t miss it. Determine how much money you want to put aside and have a small portion of it deducted from your account each week or month. When the time comes when you are ready to start shopping, you’ll have your money all set to go.

Ever hear the expression, “early bird gets the worm?” It’s very true. Do your shopping early not only to avoid the crowds come winter but no need to have the money and crunch time during the last couple months of the year either.

There is so much one can do to ensure that they have safe and happy holidays. Start with the tips above and come up with more as you go that are realistic for you.

For more information please visit www.holidaydebtresource.com.

This is the first of a two part article.

Introduction

Wouldn't you like to hypnotize people into purchasing your auction items?

Or what about if you could indirectly influence, sway and control people's decision-making process, without them even realizing it?

That's what NLP is all about. NLP stands for Neuro-Linguistic Programming, a form of hypnosis based on hidden, subliminally persuasive language patterns either spoken or written.

One famous example is Tony Robbins, a master in motivational success and personal growth training, talks using NLP naturally without him even thinking about it. If you listen to him talk in seminars, on television or cassette tapes, you can become quite inspired and NLP is at the heart of his courses and seminars. He uses NLP to help people change their lives by showing them how to use NLP for personal growth, life management, motivation, combat depression and much more.

There is nothing illegal or unethical about using NLP to sell your products, in fact it's something many large companies do all the time. By using NLP, all you are doing, is simply presenting your products in the most convincing, compelling, and psychologically-effective, way possible. And, of course, that gives you an incredible advantage over your competitors on ebay.

Applying NLP in your auction titles

Using NLP in your auction titles can be a little difficult since you only have a small amount of space. However, it can still be done.

One way is to have an auction title that deals with a state of mind you want people to have. This technique is called Thought Binding. It simply means having your prospects recall what it's like to be in the mood you want them to be in.

Thought Binding enables people to be much more receptive to any information about you and your products you want to throw at them because you've set up and bound the direction of their thinking and emotional processes. And the beauty of it is they will never catch it because they aren't used to hearing or looking for it.

Let me give you an example. There are many sellers on ebay selling CD and software items that will supposedly make you X amount of dollars each month by reselling. Instead of having an auction title such as "My CD will make you RICH", you could have a title like "Make ebay your career with my CD, 4K a month, I did"

Another way is to play on people's curiosity. A title such as "Click here or my dog will die tonight" is meaningless yet I guarantee you will have a lot of people clicking on your ad which is the purpose of your auction title, to get people to click on your auction title and check out your offer.

Remember, your auction title is the doorway to your offer on ebay. It is the door people will choose to go through or not, based on your auction title. Creativity and ingenuity will help.

One Tip, if you run out of good ideas for your auction title, go flip some magazines and newspapers. Pay special attention to the classified ads, see which ones grab your eyeballs and model your auction title after it. You could do the same thing with television commercials or radio ads etc.

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