Go-Prepaid.com

This article will tackle the benefits of debit cards and why owning them is worth the choice. We’ll also discuss the difference of prepaid debit cards and how they can be useful for people with bad credit.

The Beginning of Prepaid Debit Cards

Prepaid debit cards were introduced in the market beginning in the early 1990s particularly to cater people with bad credit. Since poor credit will not qualify an individual for a standard credit card, he can opt to have a prepaid debit card instead.

It is called prepaid because it requires the card holder to submit a certain amount of deposit in his account. Usually, the card holder’s spending limit will depend on how much money he has on the account. Therefore, a prepaid debit card can also be considered as a secured form of credit card. Nevertheless, unlike a secured credit card, a prepaid debit card holder is not given a credit line. Continue reading Benefits Of a Prepaid Debit Card

Its just been announced that Virgin Mobile USA is joining the growing trend towards offereing prepaid services.  Like I’ve said many times before…going prepaid doesn’t mean you have credit or financial problems!  It means your SMART and want to keep more of your money in your pocket book!

Virgin’s new service is called Broadband2go and it offers broadband internet service at a discount rate.   Many prepaid services now offer broadband.  So if you are tired of the inflated rates you currently pay thru your home broadband service and not only do you want fast internet service, but the ability to take that service you from computer to computer, check out your favorite prepaid services broadband offers.

Many people choose debit cards over credit cards for some good reasons. This article focuses on the practical advantages of prepaid debit cards for your day-to-day living.

1. Spend only the money that you have. Debit cards do not have credit lines so
   

   you are limited to only the amount of money deposited in your account. This limitation can actually be a great thing to help people exercise more control over their spending. If you don’t have funds in your account, you won’t be able to make purchases so you can avoid unplanned purchases.

2. You’re spending is limited to only what you can afford. Credit cards give its holders the freedom to spend more that what their budget permits. Prepaid debit cards may not provide that much freedom but for people who find it difficult to control their spending or manage finances can greatly benefit.
3. A convenient tool for small business entrepreneurs. For small business owners, prepaid debit cards can be valuable tools for sending and receiving payment. If your suppliers or freelance workers live far away or even outside the State, paying with debit cards is a great convenience………read more about the Advantages of Prepaid Debit Cards

Prepaid Phone cards can really save you money. Especially if your home phone doesn’t have a good international phone plan, you can get a phone card instead of having to cancel

your whole service. Not all prepaid phone card services are alike. You really need to make sure you are working with a reputable company. Some of the complaints I’ve heard and experienced have been

• bad (or no) customer service
• Shorted minuted
• Bad connections
• Being charged a minute even if the call didn’t connect
• Hidden fees for using a pay phone
• Maintenance fees in super small script!
• Pin numbers that don’t work - but you can’t get a hold of the issuerer since their 800 number is always busy

If you want to avoid this type of trouble, before you buy your next prepaid phone card, make sure you know the answers to these questions:

• Read the information provided carefully. They have to disclose all maintenance fees up front. Be on the look out for surcharges, fees for calling from a pay phone, fees for making calls to cell phones or 800 numbers.
• Look for expiration dates. Some cards have them and whatever minutes you haven’t used on the card when it expires are forfeited. You won’t get them rolled into a new card
• Look for a customer service phone number on the card. Call it if you can before you buy the card. Try to see how easy it is to get your questions answered. If you can’t get thru that can be an indicator of trouble ahead
• Is the rate really low? Much lower than most companies, BEWARE! That can mean that there maybe hidden fess that more than make up for the savings.
• Make sure the card comes sealed in a package with the pin number hidden. Its too easy for someone to write down pin numbers and activate a card without it ever leaving the store. Wouldn’t you hate to buy a card, get it home and find out there are no minutes left on it!
• Make sure you understand how to use the card and the instructions are clear
• Make sure you know what the rates truly are. International rates are generally more than the domestic rates.

Cricket is doing a big promotion on the new Motorola Hint QA30. This slider phone boasts a full QWERTY keyboard that drops down below a vibrant and large color screen

• Full QWERTY keyboard
• 2.0 MP camera
• Music Player
• Video capture, playback and streaming video

NEW! Motorola Hint QA30 now only $229.99 at Cricket after $20 instant savings! First month free + free shipping when you shop online. Offer ends 06/30.

We are all trying to cut back and stretch each dollar a little

further. One easy way you can do this is to analyze your current cell phone plan. When my sister first purchased her phone she was very mobile, always out. I often told her to get rid of her home phone since she was rarely there. Then her circumstances changed, she got into a really steady relationship and just wasn’t going out on the town as much anymore. Now she is home and using her home phone, but she is still clinging to her old plan. This month when you get your bill take a look at your usage

• how many minutes did you use - did you fall well within your plan or did you nearly run out of minutes? If you fall well within your limit and you do that on a regular basis you may want to call your carrier and ask for the next level down
• Do you text a lot? Much like minutes you need to watch how many texts you make each month. If you are a texter I’m sure you are constantly surprised at how many texts you actually sent in a month. Most plans have fairly inexpensive text packages you can add to your account. Its VERY important that your monitor your usage. Texting can be very expensive if you go over your limit.
• Did you look at the coverage map before you signed your contract? Not all carriers are a like. In my own home my boyfriends Verizon cell phone doesn’t work, but my sisters AT&T phone does. Make sure your phone provides coverage in the areas you visit the most.
• Roaming - where does roaming start? If your work or home is in a roaming area - that is definitely not the right cell phone provider for you!
• If you have to sign a contract, how long will it run and are there any fees for early termination - Again the great thing about going prepaid is that you don’t have a contract and if you become unhappy with a carrier you can just walk away with no penalties or hefty fees.

TracFone
has now started to bring free prepaid service to low income families in Ohio by utilizing a federal subsidy program. The catch is that only the first 68 mins each month is free, after that is 20 cents a min. So if you are someone who just wants cell phone for emergencies, this might be the program for you! If you are live in Ohio contact your local TracFone
and ask about the low income program. This is the 2nd state tracfone has brought this program to,so even if you are not in Ohio keep an eye out for this company !

Get a wireless phone starting at just $9.99 at TracFone.com

If you were to choose between a debit card and a credit card, which one would you pick? Perhaps you may think that a credit card is always the better choice. However, debit cards can have advantages as well. In this article, let’s talk about the basic differences of debit cards and credit cards so you can better decide which one is best.

The Difference Between Debit Cards and Credit Cards
Credit cards have long been used for making purchases. A credit card gives its holder the privilege to make advanced purchases and pay for them at a later time. Every credit card holder is given a credit line as well as the option to carry over balances from month to month. To avoid the penalty charges, a cardholder only has to submit the minimum due payment on time and pay off the rest of the balance on the next due date….click here to read more about debit cards or credit cards - which is right for you

Residents of the state of North Carolina are eligible for free prepaid cell phone service thru a little know government sponsored program called Lifeline. TracFone.com

is the first prepaid cell phone provider to open a program to meet the needs of those who are eligible for this program. TracFone.com’s
program is called Safelink, under this program if you are at a certain income level and live in North Carolina, you can receive free cell phone service. Currently most people who have applied for Safelink are actually paying 50% of the plan cost and the government is paying the rest. I believe the amount you pay is based on your income. Currently Tracfone is the only provider with a program, but Virgin Mobile plans on rolling out a similar program this coming summer.

Click here to go to TracFone.com!

Today Virigin mobile announced a program they are calling the “Pink Slip Protection Plan”. If you are a Virgin mobile “Totally Unlimited” ($49 a month) customer of at least 2 months and you lose your job, Virgin Mobile will pay for up to 3 months of service for you. Read more about it here Virgin Mobile Website