• What Is A Credit Card Protection Plan, And Do I Need It

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    January 2, 2017 /  Credit Card

    Many banks offer optional credit card insurance, also known as credit card protection plans or balance protection plans. These plans offer debt protection in the event of the cardholder being unable to settle the outstanding balance. This may be as a result of death, disability or critical illness, or retrenchment.

    Credit card protection plans are affordable and simple to secure, and as a credit card holder, its worth exploring this type of insurance to determine whether its worth having.

    Learn more about balance protection plans below, or, if youre not yet a cardholder, explore the range of credit card options available to you.

    How balance protection plans work
    Just like any other type of insurance, credit card insurance covers the policyholder in the event of the unforeseen. Every time you use your credit card, youre accumulating debt. If something were to happen to you that made it impossible for you to cover that debt, how would the bank recover its money? Thats where a balance protection plan comes in.

    If you have a balance protection plan in place, your credit card debt will be covered up to a set limit in some cases, as much as R150,000 per account. This amount varies from lender to lender, and may also depend upon the type of credit card you have. During a very difficult time, the burden of paying your credit card balance will be lifted from your or your familys shoulders.

    How credit card protection plans pay out
    Credit card protection plans insure your outstanding balance against death, disability, critical illness and retrenchment. In the case of death, a lump sum is usually paid out to cover the outstanding amount, up until the limit set by your lender again, R150,000 for example. The same applies for critical illness. If a cardholder is diagnosed with a critical disease (as defined by his or her credit card protection policy), the outstanding balance will be settled, up until the maximum amount specified by the policy.

    In the event of disability, which renders the cardholder unable to earn a regular income for more than 30 days, the policy will generally pay out in instalments over a period of time for example, equal monthly instalments over 6 months. If the cardholder is retrenched, the policy will also usually pay out in monthly instalments. In the latter instance, these instalments will not generally cover the entire outstanding balance, but a portion thereof.

    The specific amount of insurance provided by your policy will depend on your insurers terms. Be sure to discuss these terms with your insurer or lender.

    Applying for a credit card protection plan
    When you apply for a credit card, you may be asked whether youd like to take out a balance protection policy. If not, broach the subject with your lender. You can also apply for credit card protection plans online or at a bank branch.

  • Gift Bags

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    January 2, 2017 /  Shoes & Bags

    When we visit a jewelery shop, one thing what we look for besides jewelery is how well it is packaging specially if it is a gift for someone. Be it gift bags, paper bags, plastic bags, latest organza bags and velvet pouches; these are some of the options which everyone will opt for and is also very convenient for everyone. Gift bags for jewelery comes in various shapes and sizes, depending on which jewel has be chosen. Blue and red are favorite colors for packaging of gift boxes and can easily be inserted in gift bags that comes in mixed color schemes with some nice shades and effects. It can easily be inserted in nice plastic bags or paper bags with the brand name on it.

    Be it gift bags, paper bags, plastic bags, organza bags or velvet pouches; all of these packaging materials are or should be available in every gift shop and jewelery shop and further can be gifted for any occasion. There are so many beautiful colors involved in these paper bags, gift bags, organza bags, plastic bags and velvet pouches including different forms of shapes and sizes that it will just amaze you. These are the only packaging technique that comes cheap for the owners who deal in packaging the items for their elite and regular customers. They dont mind giving extra gift bags, paper bags, plastic bags, organza bags and a few velvet pouches to their customers as it definitely brings them back to their shop to buy more items. In a way, it also works as a kind of promotional activity that too free of cost. Brand Awareness is a powerful marketing tool.

    The main benefit of gift bags or paper bags is that the piece which you buy doesnt get spoiled or breaks by the time you reach home and can also be directly gifted to your loved ones. No further packaging is required. Such gift bags or paper bags are very elegant to look at and they shine out among other packaging techniques. Organza bags are the latest in the market and are very much in demand. There are several options in colors which you can choose from. They are the best among packaging jewelery, when sold.

  • Buying The Right Cricket Bag

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    January 2, 2017 /  Shoes & Bags

    Cricket bags are an important part of cricket equipment, nevertheless they often receive the least attention. A bag filled with all the cricket add-ons can be very heavy, it is therefore smart to think about purchasing a fantastically large bag with wheels to create transportation quick, simple and safe. Getting the purchase right, would mean the player can enjoy their favourite game even more.

    Cricket bags with wheels are the easiest method of carrying all of your game equipment. Ultimately, they are made to assist the odd shapes of cricket gear. If you are a full-time cricket player or someone who plays once in a blue moon, purchasing a cricket bag is unquestionably an affordable, lightweight, efficient method to transport your gear.

    Cricket bags comprise of high quality fabric which will keep the package completely safe. And it also includes lots of pockets where you can keep your things. The cricket bags can be found in a variety of sizes for example small and large. The cricket holdalls have ample styles and colours. Cricket gear comprises of cricket bats , batting mitts ,helmet, cricket bats , elbow guard , leg pads , wicket keeping mitts , batting pads and cricket stumps. All of which can be stored in a cricket bag.

    You can purchase a bag that’s been individually created for your irregular cricket gear that’s essential to take part in the sport. These cricket bags are not just efficient, but lightweight and affordable. Both die-hard cricket gamers and those that only take part in the sport once or twice a year find cricket bags very handy.

    Aside from the cricket equipment that’s used throughout a game, there are other items the gamers use when they’re not playing the sport to make their lives simpler. Cricket bags, for instance, can be found in huge quantities of top quality styles from the likes of Adidas, Kookaburra and Puma to select a few. Some merchants also choose to produce their very own lines of cricket equipment and add-ons, which are also of the best quality standards and definitely worth the money.

    Now, if you are a professional cricketer or perhaps get involved in in the club level, you could be needed to transport quite a lot of Cricket Equipment around with you and the simplest way for doing that is actually by buying an athletics bag for them. Cricket bags dont simply have enough room to transport your complete cricket equipment, additionally they carry other attire including deodorants, first aid kits, water containers and so on.

  • Things To Do To Save Time While Shopping

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    January 1, 2017 /  Online Shopping

    You are particularly heading towards the grocery to find and buy the ingredients for a recipe meal you would like to prepare when suddenly you forgot the name of a particular spice. It is an important part of the recipe and now all you can do is call a friend and ask to check the recipe for you. As clumsy as it may sound, it is very inevitable for somebody to go shopping and forget something sometimes the ones more important. In a situation like this, you spend more time looking for that ingredient which is not ideal especially if you are in hurry. However, there are number of things you can do to avoid such case as well as to save time while doing errands or simply buying your household necessities.

    Be prepared. In whatever situation, being prepared is always helpful in times you encounter unwanted circumstances. For instance, check if you have enough cash or credit before you splurge yourself into shopping whatever that catches your eyes.

    Make a list. Make it a habit to list down all necessary materials you need to buy from hardware to recipes. These areas most likely have the smallest detail that sometimes most people tend to forget when buying. Having yourself ready with that piece of paper prior to going in the department store is useful especially if you are the forgetful kind of person.

    Categorize. While making your list of things to buy, it would be neat if you could actually separate each of them from food, beverages, utensils, hardware, etc. As you know these items are located in different section inside the grocery store. It would cost you less time to find those when you already know what you are looking for.

    Ask for directions. If you are not that familiar with the store and having a hard time looking for that certain item saya powder juice, you can approach the counter or a store keeper to guide you where to find that item.

    An alternative. Always make sure to have an alternative replacement in the absence of particular material or ingredient you wish to buy. It is not a guarantee that all things are available when you shop.

    Bring a bag. Not all stores can provide a handy plastic bag that will accommodate all the things you have just bought. Some stores only wrap things up with a fragile paper bag that might not be strong enough to hold heavy items on your list. Plus bringing an extra bag for excess items would also mean less paper and plastic bags and with this you appear to be environment friendly.

    The listed things are quite obvious and easy to do. You may think of shopping as such a random thing but for those of you who would like to use time efficiently these will certainly work and yet a helpful tool in shopping.

  • Rugs Online – Helpful Shopping FAQs

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    January 1, 2017 /  Online Shopping

    Summary: One of the easiest ways to shop for rugs is through online shopping as you can find hundreds and even thousands of different rugs online. Online shopping has provided us with the convenience to shop for any product right from the comfort of our home. It not only helps in saving our time, but also helps in cutting down costs.

    FAQs about Shopping for Rugs Online

    Why should you buy a rug online?

    The primary advantage of buying a rug from an online store is the convenience to choose the right type of rug. When you visit a local store to buy a rug, you will have limited options and designs. Moreover, the available rug may not be as per your desired requirement. However, when you shop online, you can easily explore thousands of rugs in various sizes and patterns. You can easily find a rug as per your requirement.

    How to identify the right online company to purchase your rug?

    There are different methods to identify the right online company offering rugs. You can start by doing a simple search by using keywords that describe your requirement. You can then browse through the top results provided by the search engine and identify the one which offers safe transaction method and easy shipping. You can take the help of the search engine to find verified online shopping websites. You can find good deals by comparing the rugs offered by different online shopping websites.

    How can you save money by shopping for rugs online?

    Most of the online retailers and shopping websites offer special discounts and deals for a limited period of time. These deals keep changing from time to time. You can even find some online rug deals which allow you to save up to 40% to 50% of the total price of the rug.

    How can you be assured of the quality of the rug before purchasing rugs online?

    If you want to be assured of the rug quality, you can take the help of reviews and feedbacks posted by earlier customers on the shopping website. Most of the websites provide a feedback page and reviews where customers can leave a product feedback and rate the products offered by the website. Those reviews and feedbacks will not only help you in selecting the right online website but also the right rug deal.

    Shopping for rugs online is an easy process which helps you in simplifying your requirements and accessing the best deals.