Friday, April 5, 2013

When does interest start to apply?

Q. As someone who has never had a credit card, I have a question about how they work. If I use a card to purchase something (e.g., hotel room or groceries) and pay my credit card bill as soon as I receive it, will I be charged interest on my purchase?

A. If you pay every the "new balance" on every bill soon enough so that they receive your payment within approximately 20 days after they sent the bill, then you will not be charged interest. If you do not do this on even one bill, then you will be charged interest on at least two bills. (The interest starts on the date of the purchase if either that bill or the previous bill was not paid in full.)

If you pay only the "minimum payment" on any bill, then you will be charged interest.

If you wait until you "receive" the bill, then you may be charged interest. Sometimes, the post office is slow to deliver the bills, and you have to pay the bill before you receive it. (You can look at the bill online.)

Is it safe to go online at Starbucks or McDonalds to purchase things?
Q. I'll be vacationing during the coming Black Friday sales event, and I was wondering if it is safe to go online at free wifi places (e.g. hotels, Starbucks and McDonald's) to purchase things. Thanks.

A. Never assume that a public hot spot is secure. Assume that every person on the network can monitor your traffic.

What is the best destination in the Caribbean?
Q. Going in June for a week. Thinking about the Atlantis on Paradise Island - Bahamas but it's pricey and the safety situation seems to be getting worse so I am not limited to the Bahamas.

Here are my priorities:

Tropical island
Snorkeling
Value
The more specific you can be the better- e.g. hotel names, locations, etc.

A. A lot of the Caribbean islands have what you are asking for. For extra cheap you can try Cancun though. Better yet you can even take a Caribbean cruise where you can visit many islands for a reasonable price.
Also Barbados is a beautiful island. Lots of lovely scenery and so much to do, morning noon and night. You can never get bored because there is something for every type of person to take part in. Barbados is also romatic. Activites for kids and older onesâ¦you will not regret visiting! The island has great beaches and is wonderful for shopping too! In Barbados you can also swim with Turtles. Wonderful sandy beaches with clear blue waters.Why not make this your destination?

http://funbarbados.com/

http://www.barbados.org/

http://www.visitbarbados.org/Splash.aspx

See the link below for stuff to do in Barbados:

http://www.funbarbados.com/Activities/

As it relates to accommodation, there is a lovely resort in Barbados called The Barbados Beach Club. This is along the South Coast and has a lovely beach view.
http://barbadosbeachclub.com/

The Barbados Beach Club is a reasonably priced all inclusive resort which offers breakfast, lunch, after noon tea, dinner, unlimited drinks, an exercise room (gym), pool aerobics, snorkeling, scuba diving lessons, windsurfing, Hobie cat cruises, beach volley ball, games room, free shuttle service to and from the main town and soooo much more. The activities that are included in this all-inclusive package are astounding.

http://barbadosbeachclub.com/recreation.cfm

The Barbados beach club has 3 restaurants on site and one of them is buffet the other two are a la carte. The two a la carte are seafood and the other is Italian.

http://barbadosbeachclub.com/facilities_dining.cfm


This is a wonderful resort in a wonderful island; you should come and explore it for yourself my friend.

They also have a special that started December 16, 2009 and ends April 14, 2010 where you get 25% discount off the all inclusive rate:

http://barbadosbeachclub.com/special-details.cfm?specialID=14571

For more information about the price for the time period you are looking at or any other questions you may have then contact them below:

http://barbadosbeachclub.com/contact.cfm


Have a look at the links that I gave you.

Hope I helped!

â¥

P.S This is a really nice hotel in a great island and I have stayed at the hotel twice so I can tell you that it is a great and affordable beach resort!

Try http://www.hotwire.com/ AND http://www.expedia.com/default.asp for good vacation deals.




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