June 15, 2009
TNC Newsletter June.15/09 Issue No.4
Travelers Credit Card
Editors Notes
Welcome to our fourth addition of Travel Nurse Coach newsletter. Our main topic today is Credit Cards.
We have also added a Readers Corner where we list the top 5 best selling books. Check out how you can exchange books with another travel nurse.
Use this newsletter to set aside some time each month on the week of the fifteenth to update your budget and review your goals.
If you like our Newsletter please mention it to other travelers in the forums. The classified ads will help you enjoy your travel adventure and meet other travelers. Our URL is http://travel-nurse-coach.com.
Regards John and Janet
Table of Contents
Credit Card TipsFeature Housing Florida
Missing Children and Travelers
Recipe (Travel Nurse Fruit Dip)
Readers Corner
Note: Our newsletter runs ten full issues yearly. We do research and take vacation in July and August. You will receive a mini version of our newsletter in July and August highlighting new and old topics. September 15 will be our next full newsletter.
Credit Card Tips
Recently government laws were passed in the US and Canada helping to regulate how credit card companies charge their customers.
In most states, credit card companies can change the terms of your credit card agreement with 15 days notice. To avoid any surprises in your credit card terms, always read the fine print in the flyer inserts accompanying your credit card statements.
Your debt-to income ratio (including car loan) should not exceed 15% of your total income. Example your income is $40000. net. Your debt repayment should not exceed $6000.
Don't pay by your credit card rules
Minimum payments are designed by credit card companies to keep you as a profitable customer. A $4,000. loan would take you over forty years to pay off and cost you over three times the original $4000. That is if you were to only pay the minimum payment and never borrow another dime.
How credit cards profit
Lenders have many ways to charge you and are creating new ones as you are reading. In fact,if you don’t use your card,you may get hit with an inactivity fee.
One cost that you should be aware of is a transfer fee to, or from another account.
Negotiate
Do you want a lower interest rate? Remember you are the customer and it is easier for a credit card representative to negotiate with you than find a new customer. There are low interest credit cards as well.
Note : Do your homework research and check out competitors. What is your annual fee, late payment fee, etc.? Once you have done your research use your leverage.
Never To Late
If you are in trouble seek credit counseling and make sure you roll your debt to a credible lender with the lowest interest rate. Drop your spending and aim yourself towards a zero balance as fast as you can. Travel Health Care Workers need a credit card so managing your card is an important skill to learnYour Credit Rating
Check your credit rating and do what is necessary to get a good credit rating. A good credit rating will help you negotiate and give you leverage with credit card companies.
Rewards
Janet and I collect air mile rewards and always look forward to a vacation using our credit card rewards. Make sure the reward your card offers you, is something you can use. Cash is always a good option. Do not let spending get out of control to collect rewards.
Housing Florida
PROFESSIONAL COUPLE NEEDS ROOMMATES FOR 3/2 LAKE HOUSE LARGE SPLIT PLAN LAKE HOUSE FISHING DOCK, BOATING, FISHING, PEACE AND QUIET NO DRAMA. LARGE ROOMS WASHER DRYER, USE OF WHOLE HOUSE. 550.00 PER MONTH INCLUDES EVERYTHING WATER CABLE ELECT, PLEASE CALL 863-421-6506 WILL SHARE LAKE HOUSE WITH PROFESSIONAL MALE OR FEMALE ROOMMATES.
Gainsville area.
Missing Children and Travel Nurses
The National Center For Missing and Exploited Children have helped to safely recover more than 360 children through amber alerts.You can find Amber Alerts at our blog http://www.travel-nurse-coach.com/Travel-Nurse-blog.html
Travel Nurse Fruit Dip Recipe
Yummy and easy to make.1 large pkg of Cream Cheese (light optional) 1 Half cup of sugar (or Splenda) 1 TBSP Milk OK here comes the good part and how it got its name.
2 ounces of Grand Marnier Liqueur ( We have been known to experiment with the Liqueur)could use Cointrean.
1half tsp of vanilla
This dip last a long time in the fridge. We like to make it a day or two ahead as it taste better the longer it sits.
Readers Corner
5 Best Seller list
PAPERBACK MASS-MARKET FICTION
Top 5 at a Glance
1. ANGELS AND DEMONS, by Dan Brown
2. RIGHT NEXT DOOR, by Debbie Macomber
3. UNDER THE RADAR, by Fern Michaels
4. SAIL, by James Patterson and Howard Roughan
5. MY SISTER’S KEEPER, by Jodi Picoult
In our classifieds find travelers who would like to exchange books. We have done this by mail even in Hawaii. You can click on a state and under Books DVD’s CD’s look for other health care travelers who would like to exchange books.
Next Month
Our newsletter is published ten months a year. Every month except July and August. In July and August we do research and we will send a short letter highlighting upcoming articles in the fall.Have a great summer and we welcome your comments and suggestions. Make sure you check out our classified ads on your next assignment.
All the best and enjoy your assignment!