The weekend before last, I went shopping. I needed to get my Christmas shopping out of the way. I usually like to get it all done in one weekend before the crowds get too big. I ran into an old friend of mine, and was absolutely shocked with his exuberance and happiness. He is usually in kind of a sour mood. I asked him why he was so up and bouncy.

He proudly showed me his new mobile phone. I was impressed. It was the latest model, with all the latest gadgets. He beamed even further when he showed me all the functions. As I was watching him proudly show me his new toy, I remembered that he had always had very poor credit. I wondered how he could get such a wonderful phone with such lousy credit.

So when I asked him about that, he told me that he got a kind of contract where you only pay for the minutes as you use them. Instead of signing a contract, he just goes into the shop, pays in cash, and they add more minutes to his phone, based on how much money he gives them. Of course, because he didn’t sign a contract, he couldn’t get a free phone, but that didn’t seem to bother him.

The more I thought about it, the more I realized there are lots of benefits to having a pay as you go plan on your mobile phone. You’ll never have any minutes left over at the end the month, you don’t have to worry about going over either. And if you don’t use your phone for six months, you can pick up right where you left off.

What shocked me even more was that his pay as you go mobile phone had all the things you’d expect on a tradition plan. Email, text messages, voicemail, and GPS. All were included. I was so impressed that I decided on the spot to get my own pay as you go mobile phone.

I think this is a fantastic example of the type of service industry the mobile phone industry has evolved into. You can only guess what they will be like in five years or so.

To get the most sought after tips on Mobile Phones Pay As You Go plans, head on over to Robert Freedstein’s Mobile Phone Plan page.

Credit card companies have long had their schemes for getting you to sign up with them. They implode your mail box with offerings, they offer you free food in college if you just sign up, and they have catchy commercials that capture your attention. They do all of this so that they can charge you exorbitant rates and get your money. But the problem is not with the credit cards, but with how you use them.

Credit is a double edged sword. You need good credit for so many things, getting a loan, buying a car or house, and even getting a job in some cases. However, credit is using money you don’t have, and many people every year get into so much debt over credit cards that counseling companies have sprung up all over the place to help people. Here are some valuable tips to help you keep from getting over your head, and manage your credit cards wisely.

One of them is to pay of your cards completely every month. This means that you should only make purchases from the card you know you will be able to cover, otherwise you have to pay interest every month. Make sure that you make your payment on time, every time. If not, late fees can be applied, which can be more than thirty dollars. This also causes your credit score to drop, and your interest rates higher.

Look, realistically, not everyone can pay off the whole thing every month, it’s understandable. If you have to just pay your minimum balance, make sure that you add at least five to ten dollars to it, even if you have to split it up over the month. When you are paying minimums, part of this money goes to interest. Paying a little extra a month goes directly to the principle.

Just because you have a credit card, doesn’t mean you have to use it all the time. A credit card purchase should be well thought out, and not used frivolously. You shouldn’t take yourself on a shopping spree, but you should use it to purchase that refrigerator your family has been needing, but just don’t have the cash on hand. Stick it in your wallet and think of it as an emergency ‘get out of jail free’ card, one that you will only use it when you are broke down on the side of the road and need a tow, or have to pay for some part in the middle of nowhere.

You can find out more information online about a variety of credit card topics. If you are interested in building your credit using credit cards, it is a good idea to shop around and really look at what each card offers in the way of benefits. You need to make sure that you get the lowest interest rates, and read all the fine print about over limit fees, late charges, and financing fees. You need to be clear about everything you are getting into, because you can’t use the excuse that you didn’t know.

Dorthy Weatherbush and her husband try to make good financial decisions for their family. That’s why they send money to their son in college using Xoom.com. With Xoom.com they don’t have to worry about their son spending money he doesn’t have.

Whether you are a company owner of a hardware stores, printing shops, or other services, how do you go about to protect against bad business practices? If you run a small business chances are you’ve probably created some credit lines with local vendors. If you have a company that has employees then you may have to trust other people to use those credit lines for you.

Businesses often have employees such as runners, someone who submits their invoice to be reimbursed. Some people that are trusted to pick up materials now and then. For example if you own a carpentry shop, plumbing company or other such business. You may be the boss and you often need things however you don’t get the time to be running out to the store every time someone in your shop needs something. So then the obvious answer is you send someone to go out and do it. Unless you want to give that person cash every time you need something you have already established some sort of business credit line.

Normally the company the credit line will have the person picking up the item sign an invoice to confirm the payment for their records and then give a second copy to your employee. It is your worker’s responsibility to give you that copy so you can pay the bill when it comes due. Over time as the person doing your shopping becomes known to your suppliers, then the chance for abuse manifests itself.

When it comes time for you to the bill, you should observe it cautiously. This is your chance to check and see if something is going on that shouldn’t be. Check the invoice for unusual information and things like the date the purchase was made and time did they make the purchase? Was the purchase made during normal company hours or was it after? Often such bad purchases are made on a weekend. People that abuse your trust many times will try to do things after hours and will get with the vendor about staying late.

There are particular steps you can do to avoid the problem. Most suppliers hold a card of authorized signors from your company. That way if you spot a signature you do not recognize the vendor can be held responsible for granting the payment. It will still be your obligation to handle the employee and their conduct. You can also ask the vendor to send copies of all invoices to you so that you can verify all purchases. You can make it clear to all employees that you do check all the bills and expenses from your vendors just so that you can discouraged them from doing something they shouldn’t.

Most employees would never consider abusing the faith given to them by an employer but there are always certain one that feel they can slip one over on the boss. They could want to get back at you due to not giving them a promotion, or being frustrated about some outcome. The point of course is that it does happen and it’s better to be safe than sorry in the future.

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