How to Avoid a Credit Card Charge-Off

The simplest way to avoid a credit card charge-off is to learn and understand the credit card system. Here are some tips:

Sending Credit Card Payments Through The Mail:

Some credit card companies actually require you to use their own pre-printed envelopes, but even if they do not, it is a good idea to do so in the interest of more efficient processing of your payment. Make sure you have included the billing coupon and have written clearly the amount that you are paying. Include your check, also written legibly, and remember to write your account number on the check.
When Ronald Reagan was running for President, he was asked what he was going to do to make the post office more efficient, to which he responded that he would start mailing workers workers their paychecks. Allow ample time when you send your check to the credit card company.

Change Your Credit Card Due Date Something That Is Convenient For You:

Many people find that the greatest number of their bills, such as their mortgage or car payment, are due at the first of the month. If these places a burden on your ability to pay your credit card bill that may also be due at the first of the month, a simple way to avoid this problem is to just ask your card issuer to change the due date for your monthly payment. There is no harm in the asking, and many card issuers offer this ability to change the due date of your bill as an option. One important thing to remember, though, is that it may take a couple of billing cycles before this date change is fully implemented. It is important to make sure that your bill is paid promptly when due until your change of due date becomes effective. Otherwise, you could find yourself on the wrong side of a late fee.

About Late Fees:

In the classic television detective series Columbo, which starred Peter Falk, Lieutenant Columbo always appeared to be distracted and disorganized, but in reality he was extremely focused and observant. One common scene that brought delight to fans of the show was when Columbo left a room in which he had been speaking to the murderer. He kept turning around and starting question after question with, "Oh, just one more thing …" Then he trapped the criminal. Well, the credit card companies are not Lieutenant Columbo and we consumers are certainly not murderers, but when it comes to trapping us in the fine print of their credit card agreements, it always looks like there is "just one more thing."

Make Your Credit Card Payment On or Before The Due Date:

Your monthly payment is due on whatever date of the month it says on your credit card bill. If your payment is late, the fine print of your card agreement provides for the right of the credit card company to assess a late fee, which can be as much as $ 35 for each late payment. In the past, some credit card companiesave their customers five or even ten days of grace after the due date before assessing a penalty, but that is not the situation any longer. So you send your payment with sufficient time to arrive at the card company on your bill's due date.

But, just one more thing: Some credit card companies deem your payment late if it is processed later than 1:00 pm on the day of your due date. Some of these companies do not receive and process mail until after 1:00 pm; Therefore, the real date by which your monthly payment must be received is a day earlier than the date indicated on your contract. So you need to make sure your payment gets there three days ahead of the due date. Another Note: If the envelope contains a staple, a paper clip, or a note from you, the fine print of the contract specifics that there may be a delay of up to five days in posting your payment. This may cause a late payment to be assessed on a payment that arrived at the card company prior to the due date of the bill. I'll bet Lieutenant Columbo read the fine print before sending in his payment.

Make Your Credit Card Payments On-Line:

The most efficient way to make credit card payments is to make the payment on-line if the company offers that service. You can specify the amount you want to pay, which account you want it deducted out of, and specify the date you want the payment made. By paying your cards this way, you can set the payment to be made exactly on the due date so the credit card company is not getting your money any earlier than the due date and you have the peace of mind knowing you will never be late On your payment. Just be sure to set this up at least 3 days before the payment is due, otherwise there might not be enough time to process the payment in time.

Avoid Credit Card Interest Rate Hikes:

Another problem with late payments is that they can also trigger penal interest rates as high as 29%; So, for example, instead of the 10% interest rate your card may carry, your rate will now be jacked up to 29% effective immediately. In fact, even if you are timely in your payment, credit card companies generally reserve the right to raise your rate to a penalty rate if you are late with any other payment to any of your creditors, whatsoever they may be. Just read the fine print.

Can not Make Your Credit Card Payment?

If you're struggling with making your monthly payments, before you're ever late on a payment, CALL YOUR CREDIT CARD COMPANY! Most companies will come up with a reduced payment plan if you're experiencing a hardship. You'll want to do this as soon as you determine that you can not make your payment, before the due date. You'll want to negotiate a payment that you can afford with your credit, then send that payment in on or before the due date so it does not affect your credit.

You'll want to be sure to get this agreement in writing and be sure to negotiate that this reduced payment WILL NOT be reported as a late payment on your credit report. Sometimes creditors will agree to a reduced payment, but they'll go ahead and report it as being 30 days late because it's less than what was contractually agreed to. If you get a letter from the credit card company agreeing to the reduced payment, along with a statement from the company that they will not report you as being late to the credit bureaus, you'll have the proof you need to send into the credit Bureaus if they do not hold up to their end of the bargain. This happens more often than not, so make sure you protect yourself.

"Settling" Your Credit Card Balance For Less Than The Full Amount:

"Settling" a credit card account basically means that you're paying less that the full balance. This technique is usually used if the account has already been charged off and can only be done if you have the money to pay them in full. If you're going to try this, you'll want to try to negotiate a "Pay for Deletion", which basically means that whatever amount the two of you agree to settle the account for; The credit card company is also agreeing to remove the account from your credit report. By doing this, the charge-off and late payments will no longer negatively affect your credit score.

The Comparison of VR Glass and FPV Glass

VR glasses and virtual reality display headset equipment is a product which used simulation technology and the multimedia technology of computer graphics human-computer interface technology, sensor technology, network technology and other technologies. It’s a new means of human – computer interaction with the help of computer and the latest sensor technology. VR is a cross-time product. Not only make its lover experience it in surprise and curious emotion, but also deeply fascinated for its development.

FPV is the abbreviation of “First Person View”. It is a new game way to play through wearing the FPV glass (the feedback of installing a wireless camera on a remote control aviation model or vehicle model) to control the model on the underground, allowing users to experience the presence of the aircraft.

Although both the VR glass and FPV glass are headset display and the price is expensive, the product characteristics are very different. Most of the game content of the VR glass are designed by the manufacturers, and the plot content or stories are designed by the third part. However, the FPV glass is controlled by the viewers and it can be subjectively move to watch. Most importantly, FPV viewing or activity content is for free. The development path of VR and FPV glass is different.

In general, VR pay more attention to the content but FPV care the hardware equipment much more. Compare with the VR, FPV is ignored by the market at present, but FPV owns more real and strong application. It’s worthy that the relevant manufacturers assess the investment into a market.

Eachine is a famous RC drone brand which is committed to combining the creativity with technology to produce the top-quality RC drones at the best possible prices. It keeps in step with the times to produce the products meet the needs of the market.

Next, I’ll suggest the FPV glass and VR glass I had played for you.

Eachine EV800

It looks that Eachine has focused not only on racing quadcopters but also on specific accessories. This Eachine EV800 is their 3rd FPV goggle. The biggest “invention” of this model, is the 2:1 design which allows to use the EV800 as FPV glasses but also as regular 5″ FPV display. The 6 mm tripod screw hole allows installing the screen on a tripod and us it in a very comfortable way.

Thanks to the integrated 40CH 5.8G FPV receiver with Race Band, this FPV goggles are compatible with almost any 5.8G FPV transmitter. Unfortunately, there is no HDMI input like on the Eachine Goggles One, so can’t be used with DJI Phantom 3 and Phantom 4.

The Eachine EV800 features a 5″ LCD display with 800 x 480 pixels and 140/120 degree viewing angle. On the top front part of the EV800 FPV glasses are located, beside the RP-SMA antenna connector, the control buttons.

Eachine VR D2 Pro

The product comes with a mushroom antenna and a flat plated antenna, with which the receiving distance and stability can be effectively improved. Of course, you can shut down one of the channel and only get A channel or B channel to work in order to get a longer standby time.

Product Characteristics:

·Automatic channel search by pressing one button and accurate channel search in menu

·5inch LCD display

·Adjustable focus

·Built-in DVR,real-recording& playback

·Real-time display of the current battery voltage, frequency and signal strength

·Maximum support 64GB TF card

·Flexible head band is ergonomic design and easy to adjust and comfortable to wear

·Can be mounted on tripod

How to Protect Yourself From Laptop Theft

For most people owning a laptop is all about convenience. Being able to sit where your want to work, wander around from office to office, sit in front of the television or even brows the web in bed are the reasons why laptops have become so popular.

It has also become much more than a work tool. For many people it is the place where you keep all the things that are important to you: your email and financial information, business secrets, personal writings, even irreplaceable media like photos, film, and writings.

So if your laptop were stolen from you tomorrow, what would it do to your life?

Even worse, if a laptop belonging to your business were stolen that contained the personal data of customers or clients, it could put all of them at risk of identity theft and you could be held liable.

This crime draws both the common thief and the more sophisticated identity thief alike, and it's on the rise in England. Last year, a laptop belonging to the Nationwide and containing the personal information of over 11 million customers was stolen and never recovered. In London, laptop theft is up 15% on last year, with over 6500 laptops stolen in 2006 (not including laptops stolen out of homes and offices). Other metropolitan areas in Britain have similar statistics: over 2000 in Edinburgh with a 31% increase, and a 15% increase in Manchester.

Having a laptop stolen is personal nightmare if it is your own machine, but so much worse if you lose information that compromises your friends, co-workers, and clients. At Marks & Spencer's, a laptop lost in 2007 contained sensitive data about 26,000 employees, including their national insurance numbers and other personal identifying information. That cost Marks & Spencer's free credit checks for all employees and a promise to cover them for any damages if their identities were compromised. In the Nationwide case above, the company was fined just under a million pounds.

And even if you get the laptop back, even if the laptop was only "borrowed" its data can be copied off in minutes, putting any data on it at risk even after the machine is returned.

Two simple steps protect yourself against losing your personal computer?

The First Step: Protect Yourself

Laptops are at risk due to the very portability that makes them useful. It takes only seconds for someone to carry off your unguarded laptop, along with all its precious contents. The first thing to do is not leave it unprotected, even for a minute; Keep it in sight. Get good security on your wireless connections while you're at it, and carefully choose the places where you use that connection.

You can also get physical barriers against using a stolen laptop. For instance, biometrics including fingerprint scanners has become increasingly popular with laptops, and key cards that you keep in your wallet or luggage separate from the laptop can be used to secure it. Computers with hard drives mated to internal workings prevent your hard drive from being removed and copied. And if your laptop is used to access the Internet after it is stolen, there are subscription services that can trace it remotely and render it unusable while it connects to the web.

The Second Step: Consider Laptop Insurance

Laptop insurance is becoming one of the fastest growing specialist insurances. With low-cost monthly premiums, having some form of insurance policy could be the one thing between you and financial ruin. Laptop insurance is cheap, and if you have used other protections for your laptop, it gets even cheaper. Many providers offer worldwide cover, accidental damage protection and a 48 hour replacement service.

Protect yourself physically with laptop security and financially with good laptop insurance. With luck, you'll never have to depend on either. But if the worst comes about, you'll be glad you did.

All About Your 3G Internet Service

In the technology circle, there is much hue and cry about 3G internet services. It is a known fact to everyone that 3G stands for "3rd Generation", but very few are aware of this technology from its core. Basically, it's an initiative taken by the International Telecommunication Union to create a global wireless standard for mobile internet access. However, it requires a minimum mobile internet access speed which is comparable to DSL (Digital Subscriber Line) internet speed. To meet the technology standards, there needs to be high-volume voice services.

Unlike its predecessor 2G (2nd Generation) technology, which was discovered around voice applications including talking, call-waiting and voicemail, 3G technology emphasizes on internet and multimedia based applications that facilitate web browsing, music downloads, video conferencing etc. However, to access 3G network, your device need to support an information transfer rate of at least 200 Kbit / s. With the increased demand for high-speed internet services, the popularity of 3G is also surmounting. The technology has multiple benefits to offer, some of which are discussed below:

High-speed Internet on the Go: Before the advent of this technology, it was almost a dream to get access to high-speed internet on the go. Modern developments in mobile technology coupled with 3G has created great opportunities for users to surf internet at a blazing fast speed, even while they are traveling.

Reaches Remotest Corners: It's easy to find 3G access at places where wired connectivity is difficult to install. This helps minimize the gap in internet access in rural areas or areas with limited connectivity. The speed sometimes exceeds the speed of dial-up internet services.

Affordability: 3G standards benefited the rural people to a great extent. While it's expensive to set up wired connections at homes, the wireless internet costs less and offer better speed to the users. With the development of this telecommunication technology, users can now get high-speed connectivity even on their mobile devices.

Multimedia Usage: Both corporate and personal consumers benefit from the service as it facilitates the use of diverse multimedia applications and enhancements the wireless internet experience. It enables real-time video conferencing, music download at a faster speed, uploading and downloading files at a speed that equals to wired broadband services.

Stay Entertainment: Internet offers multiple ways to keep the users entertained. For lightning fast internet speed and seamless network availability, users can enjoy online gaming, listen to their favorite music or watch movies online with their 3G internet connection.

Although, 3G internet technology is getting momentum both in urban and rural areas, there are still some places where this technology is not as effective as metropolitan cities like New York and San Diego. While telecommunication experts are hopeful to enhance the reach of both 3G and 4G (4th Generation) networks and make the services more affordable for the users, the increased traffic and the usage of mobile devices are the two main issues of concern for the tech experts. Moreover, to sustain a balance in the environment, there needs to take more precautions, as wireless rays often cause harmful radiation, which have adverse impact on the environment.